Home > LNB Community Bank > Performance and Condition Ratios
LNB Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4978% | 2,099 |
| Cost of funding earning assets | 1.6512% | 2,850 |
| Net interest margin | 3.8466% | 1,586 |
| Noninterest income to average assets | 0.8700% | 719 |
| Noninterest expense to average assets | 3.6175% | 520 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.8348% | 2,752 |
| Return on assets (ROA) | 0.8348% | 2,754 |
| Pretax return on assets | 0.8348% | 3,115 |
| Return on Equity (ROE) | 8.7400% | 2,669 |
| Retained earnings to average equity (ytd only) | 4.5144% | 2,701 |
| Net charge-offs to loans | 0.0221% | 1,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 49.2857% | 1,002 |
| Efficiency ratio | 80.7047% | 906 |
| Assets per employee ($millions) | 3.9617% | 4,105 |
| Cash dividends to net income (ytd only)* | 48.3483% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 1,950 |
| Loan loss allowance to noncurrent loans | 1,367.2414% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 3,066 |
| Noncurrent loans to loans | 0.0911% | 3,207 |
| Net loans and leases to total assets | 79.3900% | 661 |
| Net loans and leases to deposits | 90.1951% | 1,085 |
| Net loans and leases to core deposits | 92.6973% | 1,858 |
| Total domestic deposits to total assets | 88.0200% | 1,547 |
| Equity capital to assets | 9.7218% | 2,413 |
| Core capital (leverage) ratio | 9.9394% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2238% | 1,212 |
| Memoranda: | ||
| Average total assets | $159,558,500 | 3,299 |
| Average earning assets | $149,952,000 | 3,276 |
| Average equity | $15,240,000 | 3,350 |
| Average total loans | $126,971,000 | 2,967 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 2,648 |
| Cost of funding earning assets | 1.8883% | 2,492 |
| Net interest margin | 3.3520% | 2,392 |
| Noninterest income to average assets | 1.0800% | 536 |
| Noninterest expense to average assets | 3.3071% | 752 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9323% | 2,275 |
| Return on assets (ROA) | 0.9323% | 2,282 |
| Pretax return on assets | 0.9323% | 2,713 |
| Return on Equity (ROE) | 10.4900% | 2,027 |
| Retained earnings to average equity (ytd only) | 5.1871% | 2,163 |
| Net charge-offs to loans | 0.0083% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 151.9000% | 618 |
| Efficiency ratio | 78.0078% | 1,204 |
| Assets per employee ($millions) | 4.2276% | 4,025 |
| Cash dividends to net income (ytd only)* | 50.5596% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 1,869 |
| Loan loss allowance to noncurrent loans | 1,264.2857% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 3,023 |
| Noncurrent loans to loans | 0.0996% | 3,137 |
| Net loans and leases to total assets | 77.7800% | 933 |
| Net loans and leases to deposits | 87.3698% | 1,460 |
| Net loans and leases to core deposits | 89.9043% | 2,117 |
| Total domestic deposits to total assets | 89.0300% | 1,156 |
| Equity capital to assets | 9.3832% | 2,541 |
| Core capital (leverage) ratio | 9.6100% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8122% | 914 |
| Memoranda: | ||
| Average total assets | $162,923,800 | 3,260 |
| Average earning assets | $153,577,800 | 3,222 |
| Average equity | $14,478,200 | 3,372 |
| Average total loans | $120,358,400 | 2,993 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 2,774 |
| Cost of funding earning assets | 1.9077% | 2,444 |
| Net interest margin | 3.2363% | 2,605 |
| Noninterest income to average assets | 1.0600% | 538 |
| Noninterest expense to average assets | 3.2914% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.8253% | 2,609 |
| Return on assets (ROA) | 0.8253% | 2,628 |
| Pretax return on assets | 0.8253% | 2,975 |
| Return on Equity (ROE) | 9.4200% | 2,346 |
| Retained earnings to average equity (ytd only) | 4.8012% | 2,543 |
| Net charge-offs to loans | 0.0101% | 2,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 112.4444% | 741 |
| Efficiency ratio | 79.9525% | 1,079 |
| Assets per employee ($millions) | 4.4497% | 3,957 |
| Cash dividends to net income (ytd only)* | 49.0119% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 1,596 |
| Loan loss allowance to noncurrent loans | 1,306.5574% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 3,062 |
| Noncurrent loans to loans | 0.1016% | 3,176 |
| Net loans and leases to total assets | 76.1100% | 1,116 |
| Net loans and leases to deposits | 92.3535% | 1,007 |
| Net loans and leases to core deposits | 95.3382% | 1,798 |
| Total domestic deposits to total assets | 82.4100% | 3,003 |
| Equity capital to assets | 9.6135% | 2,568 |
| Core capital (leverage) ratio | 9.3250% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4241% | 872 |
| Memoranda: | ||
| Average total assets | $163,492,750 | 3,247 |
| Average earning assets | $154,248,750 | 3,220 |
| Average equity | $14,329,250 | 3,385 |
| Average total loans | $118,810,250 | 3,001 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9280% | 3,075 |
| Cost of funding earning assets | 1.7826% | 2,665 |
| Net interest margin | 3.1454% | 2,756 |
| Noninterest income to average assets | 1.0900% | 518 |
| Noninterest expense to average assets | 3.2057% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8562% | 2,435 |
| Return on assets (ROA) | 0.8562% | 2,448 |
| Pretax return on assets | 0.8562% | 2,859 |
| Return on Equity (ROE) | 10.0700% | 2,163 |
| Retained earnings to average equity (ytd only) | 5.1576% | 2,292 |
| Net charge-offs to loans | 0.0084% | 2,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 142.2000% | 618 |
| Efficiency ratio | 78.9208% | 1,210 |
| Assets per employee ($millions) | 4.9509% | 3,655 |
| Cash dividends to net income (ytd only)* | 48.8045% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 1,579 |
| Loan loss allowance to noncurrent loans | 1,017.8344% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 2,934 |
| Noncurrent loans to loans | 0.1316% | 2,988 |
| Net loans and leases to total assets | 67.9400% | 2,135 |
| Net loans and leases to deposits | 82.8649% | 1,936 |
| Net loans and leases to core deposits | 84.9437% | 2,465 |
| Total domestic deposits to total assets | 81.9900% | 3,082 |
| Equity capital to assets | 8.3217% | 3,216 |
| Core capital (leverage) ratio | 9.5831% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2429% | 882 |
| Memoranda: | ||
| Average total assets | $166,077,000 | 3,238 |
| Average earning assets | $156,737,333 | 3,213 |
| Average equity | $14,115,000 | 3,383 |
| Average total loans | $118,371,333 | 3,004 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9951% | 2,790 |
| Cost of funding earning assets | 1.8408% | 2,391 |
| Net interest margin | 3.1542% | 2,658 |
| Noninterest income to average assets | 0.9800% | 568 |
| Noninterest expense to average assets | 3.4221% | 619 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5367% | 3,309 |
| Return on assets (ROA) | 0.5367% | 3,332 |
| Pretax return on assets | 0.5367% | 3,510 |
| Return on Equity (ROE) | 6.2500% | 3,148 |
| Retained earnings to average equity (ytd only) | 2.6929% | 3,067 |
| Net charge-offs to loans | 0.0204% | 1,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 1,102 |
| Efficiency ratio | 86.4428% | 757 |
| Assets per employee ($millions) | 4.5134% | 3,934 |
| Cash dividends to net income (ytd only)* | 56.8807% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 1,556 |
| Loan loss allowance to noncurrent loans | 1,257.4803% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 2,977 |
| Noncurrent loans to loans | 0.1076% | 3,076 |
| Net loans and leases to total assets | 73.6900% | 1,382 |
| Net loans and leases to deposits | 93.6410% | 895 |
| Net loans and leases to core deposits | 95.6178% | 1,669 |
| Total domestic deposits to total assets | 78.6900% | 3,710 |
| Equity capital to assets | 8.8783% | 2,758 |
| Core capital (leverage) ratio | 9.1821% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1792% | 908 |
| Memoranda: | ||
| Average total assets | $162,474,500 | 3,275 |
| Average earning assets | $153,191,000 | 3,249 |
| Average equity | $13,962,500 | 3,408 |
| Average total loans | $117,892,000 | 3,013 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 2,921 |
| Cost of funding earning assets | 1.1853% | 2,838 |
| Net interest margin | 3.4029% | 2,401 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 3.1766% | 850 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9204% | 2,485 |
| Return on assets (ROA) | 0.9255% | 2,440 |
| Pretax return on assets | 0.9255% | 2,893 |
| Return on Equity (ROE) | 10.9500% | 2,237 |
| Retained earnings to average equity (ytd only) | 5.1978% | 2,535 |
| Net charge-offs to loans | -0.0018% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.1763% | 1,147 |
| Assets per employee ($millions) | 4.7709% | 3,792 |
| Cash dividends to net income (ytd only)* | 52.5308% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 1,542 |
| Loan loss allowance to noncurrent loans | 1,145.0000% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 2,856 |
| Noncurrent loans to loans | 0.1189% | 2,927 |
| Net loans and leases to total assets | 69.5800% | 1,859 |
| Net loans and leases to deposits | 89.0061% | 1,337 |
| Net loans and leases to core deposits | 89.6241% | 2,076 |
| Total domestic deposits to total assets | 78.1700% | 3,705 |
| Equity capital to assets | 8.3244% | 3,174 |
| Core capital (leverage) ratio | 9.3942% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8837% | 945 |
| Memoranda: | ||
| Average total assets | $157,967,400 | 3,296 |
| Average earning assets | $148,991,200 | 3,257 |
| Average equity | $13,351,800 | 3,390 |
| Average total loans | $110,668,600 | 3,051 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 2,895 |
| Cost of funding earning assets | 1.0460% | 2,903 |
| Net interest margin | 3.4630% | 2,306 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 3.2126% | 803 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9744% | 2,437 |
| Return on assets (ROA) | 0.9813% | 2,413 |
| Pretax return on assets | 0.9813% | 2,907 |
| Return on Equity (ROE) | 11.5600% | 2,234 |
| Retained earnings to average equity (ytd only) | 5.8115% | 2,687 |
| Net charge-offs to loans | -0.0012% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.2602% | 1,150 |
| Assets per employee ($millions) | 4.4005% | 4,001 |
| Cash dividends to net income (ytd only)* | 49.7382% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 1,599 |
| Loan loss allowance to noncurrent loans | 576.2590% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 2,275 |
| Noncurrent loans to loans | 0.2370% | 2,402 |
| Net loans and leases to total assets | 75.1100% | 1,227 |
| Net loans and leases to deposits | 93.3398% | 944 |
| Net loans and leases to core deposits | 93.7179% | 1,691 |
| Total domestic deposits to total assets | 80.4700% | 3,462 |
| Equity capital to assets | 8.6946% | 2,601 |
| Core capital (leverage) ratio | 9.0872% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9054% | 960 |
| Memoranda: | ||
| Average total assets | $155,714,250 | 3,320 |
| Average earning assets | $146,842,750 | 3,289 |
| Average equity | $13,214,750 | 3,400 |
| Average total loans | $108,890,750 | 3,074 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 3,135 |
| Cost of funding earning assets | 0.8808% | 2,987 |
| Net interest margin | 3.3985% | 2,519 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 3.1661% | 824 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9368% | 2,627 |
| Return on assets (ROA) | 0.9368% | 2,612 |
| Pretax return on assets | 0.9368% | 3,079 |
| Return on Equity (ROE) | 11.1300% | 2,385 |
| Retained earnings to average equity (ytd only) | 5.4728% | 2,797 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.4524% | 1,136 |
| Assets per employee ($millions) | 4.8013% | 3,748 |
| Cash dividends to net income (ytd only)* | 50.8197% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,334 |
| Loan loss allowance to noncurrent loans | 796.5174% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 2,478 |
| Noncurrent loans to loans | 0.1826% | 2,561 |
| Net loans and leases to total assets | 64.5700% | 2,326 |
| Net loans and leases to deposits | 76.1989% | 2,291 |
| Net loans and leases to core deposits | 76.4674% | 2,730 |
| Total domestic deposits to total assets | 84.7400% | 2,611 |
| Equity capital to assets | 7.8640% | 3,303 |
| Core capital (leverage) ratio | 9.3554% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4877% | 888 |
| Memoranda: | ||
| Average total assets | $156,280,333 | 3,336 |
| Average earning assets | $147,358,000 | 3,301 |
| Average equity | $13,156,000 | 3,422 |
| Average total loans | $106,094,667 | 3,109 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 2,949 |
| Cost of funding earning assets | 0.8449% | 2,553 |
| Net interest margin | 3.3965% | 2,643 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 3.4628% | 568 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.4309% | 4,032 |
| Return on assets (ROA) | 0.4309% | 3,982 |
| Pretax return on assets | 0.4309% | 4,085 |
| Return on Equity (ROE) | 4.9400% | 3,899 |
| Retained earnings to average equity (ytd only) | 1.1580% | 3,844 |
| Net charge-offs to loans | 0.0038% | 1,850 |
| Credit loss provision to net charge-offs | 3,000.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 518 |
| Efficiency ratio | 87.1486% | 462 |
| Assets per employee ($millions) | 4.1899% | 4,172 |
| Cash dividends to net income (ytd only)* | 76.5432% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,269 |
| Loan loss allowance to noncurrent loans | 555.5556% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 1,945 |
| Noncurrent loans to loans | 0.2695% | 2,180 |
| Net loans and leases to total assets | 71.7700% | 1,449 |
| Net loans and leases to deposits | 79.0955% | 1,885 |
| Net loans and leases to core deposits | 79.3938% | 2,295 |
| Total domestic deposits to total assets | 90.7400% | 894 |
| Equity capital to assets | 8.9692% | 2,550 |
| Core capital (leverage) ratio | 9.3181% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3370% | 939 |
| Memoranda: | ||
| Average total assets | $150,398,500 | 3,420 |
| Average earning assets | $141,556,000 | 3,395 |
| Average equity | $13,126,500 | 3,465 |
| Average total loans | $104,089,000 | 3,162 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 3,284 |
| Cost of funding earning assets | 0.3841% | 2,228 |
| Net interest margin | 3.0405% | 3,326 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 3.0690% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8005% | 3,326 |
| Return on assets (ROA) | 0.8005% | 3,252 |
| Pretax return on assets | 0.8005% | 3,621 |
| Return on Equity (ROE) | 9.4700% | 2,979 |
| Retained earnings to average equity (ytd only) | 4.7232% | 3,164 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.3121% | 765 |
| Assets per employee ($millions) | 4.4043% | 4,088 |
| Cash dividends to net income (ytd only)* | 50.1199% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 1,667 |
| Loan loss allowance to noncurrent loans | 434.1772% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 1,951 |
| Noncurrent loans to loans | 0.3119% | 2,032 |
| Net loans and leases to total assets | 64.8400% | 2,162 |
| Net loans and leases to deposits | 70.9463% | 2,492 |
| Net loans and leases to core deposits | 71.1990% | 2,783 |
| Total domestic deposits to total assets | 91.3900% | 812 |
| Equity capital to assets | 8.4982% | 2,703 |
| Core capital (leverage) ratio | 9.2368% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5769% | 772 |
| Memoranda: | ||
| Average total assets | $156,271,200 | 3,379 |
| Average earning assets | $147,376,000 | 3,352 |
| Average equity | $13,211,400 | 3,556 |
| Average total loans | $92,367,800 | 3,256 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2335% | 3,353 |
| Cost of funding earning assets | 0.2749% | 2,435 |
| Net interest margin | 2.9586% | 3,330 |
| Noninterest income to average assets | 1.0300% | 630 |
| Noninterest expense to average assets | 3.0671% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7542% | 3,408 |
| Return on assets (ROA) | 0.7542% | 3,359 |
| Pretax return on assets | 0.7542% | 3,683 |
| Return on Equity (ROE) | 8.9300% | 3,049 |
| Retained earnings to average equity (ytd only) | 4.7434% | 3,178 |
| Net charge-offs to loans | 0.0044% | 2,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 295.6667% | 476 |
| Efficiency ratio | 80.2626% | 759 |
| Assets per employee ($millions) | 4.3964% | 4,121 |
| Cash dividends to net income (ytd only)* | 46.8997% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,563 |
| Loan loss allowance to noncurrent loans | 677.7228% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,453 |
| Noncurrent loans to loans | 0.2086% | 2,558 |
| Net loans and leases to total assets | 62.0400% | 2,285 |
| Net loans and leases to deposits | 67.7893% | 2,552 |
| Net loans and leases to core deposits | 67.9515% | 2,807 |
| Total domestic deposits to total assets | 91.5200% | 1,044 |
| Equity capital to assets | 8.2801% | 2,700 |
| Core capital (leverage) ratio | 8.9409% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8431% | 748 |
| Memoranda: | ||
| Average total assets | $156,801,250 | 3,397 |
| Average earning assets | $147,905,250 | 3,369 |
| Average equity | $13,239,250 | 3,594 |
| Average total loans | $90,128,750 | 3,297 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9991% | 3,562 |
| Cost of funding earning assets | 0.1841% | 3,127 |
| Net interest margin | 2.8150% | 3,404 |
| Noninterest income to average assets | 1.1016% | 550 |
| Noninterest expense to average assets | 2.9916% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7656% | 3,085 |
| Return on assets (ROA) | 0.7656% | 3,049 |
| Pretax return on assets | 0.7656% | 3,417 |
| Return on Equity (ROE) | 9.0113% | 2,701 |
| Retained earnings to average equity (ytd only) | 5.0278% | 2,699 |
| Net charge-offs to loans | -0.0296% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6221% | 977 |
| Assets per employee ($millions) | 4.6474% | 3,973 |
| Cash dividends to net income (ytd only)* | 44.2053% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,397 |
| Loan loss allowance to noncurrent loans | 464.7651% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 2,198 |
| Noncurrent loans to loans | 0.3233% | 2,184 |
| Net loans and leases to total assets | 55.8109% | 2,775 |
| Net loans and leases to deposits | 60.7864% | 2,991 |
| Net loans and leases to core deposits | 60.9234% | 3,197 |
| Total domestic deposits to total assets | 91.8148% | 922 |
| Equity capital to assets | 8.0702% | 3,068 |
| Core capital (leverage) ratio | 9.0293% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9411% | 730 |
| Memoranda: | ||
| Average total assets | $157,776,667 | 3,426 |
| Average earning assets | $148,847,000 | 3,405 |
| Average equity | $13,405,333 | 3,645 |
| Average total loans | $87,893,667 | 3,355 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9816% | 3,309 |
| Cost of funding earning assets | 0.1776% | 3,115 |
| Net interest margin | 2.8039% | 3,127 |
| Noninterest income to average assets | 0.9193% | 812 |
| Noninterest expense to average assets | 2.7940% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7674% | 2,787 |
| Return on assets (ROA) | 0.7674% | 2,776 |
| Pretax return on assets | 0.7674% | 3,206 |
| Return on Equity (ROE) | 8.8006% | 2,391 |
| Retained earnings to average equity (ytd only) | 5.3158% | 2,473 |
| Net charge-offs to loans | -0.0513% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4526% | 1,274 |
| Assets per employee ($millions) | 4.4086% | 4,193 |
| Cash dividends to net income (ytd only)* | 39.5973% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 1,275 |
| Loan loss allowance to noncurrent loans | 583.5443% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 2,429 |
| Noncurrent loans to loans | 0.2740% | 2,493 |
| Net loans and leases to total assets | 55.1568% | 2,616 |
| Net loans and leases to deposits | 60.4499% | 2,864 |
| Net loans and leases to core deposits | 60.5928% | 3,096 |
| Total domestic deposits to total assets | 91.2438% | 914 |
| Equity capital to assets | 8.6175% | 3,058 |
| Core capital (leverage) ratio | 8.9739% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8649% | 657 |
| Memoranda: | ||
| Average total assets | $155,335,000 | 3,469 |
| Average earning assets | $146,365,500 | 3,444 |
| Average equity | $13,544,500 | 3,700 |
| Average total loans | $85,757,000 | 3,392 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0120% | 3,852 |
| Cost of funding earning assets | 0.2072% | 3,396 |
| Net interest margin | 2.8048% | 3,656 |
| Noninterest income to average assets | 1.4808% | 510 |
| Noninterest expense to average assets | 3.1421% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9858% | 2,733 |
| Return on assets (ROA) | 0.9858% | 2,799 |
| Pretax return on assets | 0.9858% | 3,298 |
| Return on Equity (ROE) | 10.5992% | 2,309 |
| Retained earnings to average equity (ytd only) | 5.1967% | 2,712 |
| Net charge-offs to loans | 0.0025% | 2,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 721.0000% | 205 |
| Efficiency ratio | 76.1179% | 1,097 |
| Assets per employee ($millions) | 4.4677% | 4,139 |
| Cash dividends to net income (ytd only)* | 50.9709% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,226 |
| Loan loss allowance to noncurrent loans | 434.1772% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 2,157 |
| Noncurrent loans to loans | 0.3717% | 2,254 |
| Net loans and leases to total assets | 53.4962% | 2,911 |
| Net loans and leases to deposits | 58.7449% | 3,192 |
| Net loans and leases to core deposits | 58.8822% | 3,400 |
| Total domestic deposits to total assets | 91.0653% | 473 |
| Equity capital to assets | 8.8202% | 3,790 |
| Core capital (leverage) ratio | 9.4408% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,271,200 | 3,519 |
| Average earning assets | $138,049,200 | 3,499 |
| Average equity | $13,604,800 | 3,781 |
| Average total loans | $80,725,200 | 3,474 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0463% | 3,913 |
| Cost of funding earning assets | 0.2142% | 3,473 |
| Net interest margin | 2.8321% | 3,704 |
| Noninterest income to average assets | 1.5443% | 521 |
| Noninterest expense to average assets | 3.1592% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0583% | 2,699 |
| Return on assets (ROA) | 1.0583% | 2,768 |
| Pretax return on assets | 1.0583% | 3,304 |
| Return on Equity (ROE) | 11.2206% | 2,301 |
| Retained earnings to average equity (ytd only) | 5.7628% | 2,928 |
| Net charge-offs to loans | -0.0050% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9065% | 1,138 |
| Assets per employee ($millions) | 4.2391% | 4,308 |
| Cash dividends to net income (ytd only)* | 48.6415% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 1,128 |
| Loan loss allowance to noncurrent loans | 292.3567% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 2,057 |
| Noncurrent loans to loans | 0.5783% | 1,863 |
| Net loans and leases to total assets | 55.5530% | 2,780 |
| Net loans and leases to deposits | 61.5818% | 3,087 |
| Net loans and leases to core deposits | 61.7375% | 3,344 |
| Total domestic deposits to total assets | 90.2102% | 679 |
| Equity capital to assets | 9.5928% | 3,294 |
| Core capital (leverage) ratio | 9.3438% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,747,000 | 3,582 |
| Average earning assets | $135,681,250 | 3,561 |
| Average equity | $13,558,000 | 3,834 |
| Average total loans | $79,650,750 | 3,533 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0547% | 3,949 |
| Cost of funding earning assets | 0.2167% | 3,581 |
| Net interest margin | 2.8380% | 3,706 |
| Noninterest income to average assets | 1.6126% | 477 |
| Noninterest expense to average assets | 3.1945% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0987% | 2,556 |
| Return on assets (ROA) | 1.0987% | 2,623 |
| Pretax return on assets | 1.0987% | 3,218 |
| Return on Equity (ROE) | 11.7161% | 2,158 |
| Retained earnings to average equity (ytd only) | 6.0585% | 2,776 |
| Net charge-offs to loans | -0.0051% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4080% | 1,213 |
| Assets per employee ($millions) | 4.4337% | 4,150 |
| Cash dividends to net income (ytd only)* | 48.2890% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7426% | 982 |
| Loan loss allowance to noncurrent loans | 397.6879% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 2,700 |
| Noncurrent loans to loans | 0.4382% | 2,360 |
| Net loans and leases to total assets | 51.4680% | 3,402 |
| Net loans and leases to deposits | 56.6838% | 3,670 |
| Net loans and leases to core deposits | 56.8200% | 3,845 |
| Total domestic deposits to total assets | 90.7984% | 439 |
| Equity capital to assets | 9.0563% | 3,752 |
| Core capital (leverage) ratio | 9.5009% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,619,667 | 3,594 |
| Average earning assets | $135,659,667 | 3,564 |
| Average equity | $13,468,667 | 3,845 |
| Average total loans | $79,052,667 | 3,563 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0066% | 4,067 |
| Cost of funding earning assets | 0.2299% | 3,643 |
| Net interest margin | 2.7767% | 3,818 |
| Noninterest income to average assets | 1.5965% | 548 |
| Noninterest expense to average assets | 3.1330% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0853% | 2,524 |
| Return on assets (ROA) | 1.0853% | 2,599 |
| Pretax return on assets | 1.0853% | 3,145 |
| Return on Equity (ROE) | 11.3628% | 2,242 |
| Retained earnings to average equity (ytd only) | 4.8740% | 3,262 |
| Net charge-offs to loans | -0.0051% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2722% | 1,287 |
| Assets per employee ($millions) | 4.1266% | 4,399 |
| Cash dividends to net income (ytd only)* | 57.1053% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 934 |
| Loan loss allowance to noncurrent loans | 85.4568% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.1660% | 645 |
| Noncurrent loans to loans | 2.0519% | 522 |
| Net loans and leases to total assets | 54.9101% | 3,152 |
| Net loans and leases to deposits | 60.8462% | 3,423 |
| Net loans and leases to core deposits | 61.0018% | 3,643 |
| Total domestic deposits to total assets | 90.2440% | 700 |
| Equity capital to assets | 9.5735% | 3,130 |
| Core capital (leverage) ratio | 9.5048% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,056,500 | 3,639 |
| Average earning assets | $132,241,000 | 3,605 |
| Average equity | $13,377,000 | 3,860 |
| Average total loans | $79,098,000 | 3,578 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7263% | 3,509 |
| Cost of funding earning assets | 0.4308% | 3,401 |
| Net interest margin | 3.2955% | 3,075 |
| Noninterest income to average assets | 1.8327% | 378 |
| Noninterest expense to average assets | 3.6222% | 584 |
| Loan and lease loss provision to assets | 0.1543% | 2,442 |
| Net operating income to assets | 1.1477% | 1,732 |
| Return on assets (ROA) | 1.1663% | 1,779 |
| Pretax return on assets | 1.1663% | 2,453 |
| Return on Equity (ROE) | 11.5385% | 1,463 |
| Retained earnings to average equity (ytd only) | 4.6627% | 2,443 |
| Net charge-offs to loans | -0.0047% | 4,115 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5589% | 1,498 |
| Assets per employee ($millions) | 4.1120% | 4,280 |
| Cash dividends to net income (ytd only)* | 59.5899% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7222% | 991 |
| Loan loss allowance to noncurrent loans | 81.5914% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2238% | 697 |
| Noncurrent loans to loans | 2.1108% | 521 |
| Net loans and leases to total assets | 56.0808% | 3,293 |
| Net loans and leases to deposits | 62.0748% | 3,601 |
| Net loans and leases to core deposits | 62.2334% | 3,821 |
| Total domestic deposits to total assets | 90.3440% | 435 |
| Equity capital to assets | 9.5287% | 3,579 |
| Core capital (leverage) ratio | 9.8882% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,646,200 | 3,631 |
| Average earning assets | $121,621,400 | 3,607 |
| Average equity | $13,104,000 | 3,854 |
| Average total loans | $84,249,400 | 3,492 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 3,136 |
| Cost of funding earning assets | 0.4807% | 3,355 |
| Net interest margin | 3.4622% | 2,712 |
| Noninterest income to average assets | 1.7707% | 381 |
| Noninterest expense to average assets | 3.5151% | 693 |
| Loan and lease loss provision to assets | 0.0787% | 3,333 |
| Net operating income to assets | 1.4182% | 1,065 |
| Return on assets (ROA) | 1.4434% | 1,099 |
| Pretax return on assets | 1.4434% | 1,595 |
| Return on Equity (ROE) | 14.0589% | 872 |
| Retained earnings to average equity (ytd only) | 7.7651% | 1,386 |
| Net charge-offs to loans | -0.0062% | 4,106 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1339% | 1,865 |
| Assets per employee ($millions) | 3.8485% | 4,441 |
| Cash dividends to net income (ytd only)* | 44.7674% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 1,280 |
| Loan loss allowance to noncurrent loans | 230.0184% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 2,004 |
| Noncurrent loans to loans | 0.6675% | 2,116 |
| Net loans and leases to total assets | 61.2122% | 3,093 |
| Net loans and leases to deposits | 71.0037% | 3,214 |
| Net loans and leases to core deposits | 71.2044% | 3,544 |
| Total domestic deposits to total assets | 86.2100% | 1,978 |
| Equity capital to assets | 10.3097% | 2,949 |
| Core capital (leverage) ratio | 10.2276% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,105,500 | 3,652 |
| Average earning assets | $118,998,000 | 3,624 |
| Average equity | $13,049,500 | 3,863 |
| Average total loans | $85,366,750 | 3,495 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,181 |
| Cost of funding earning assets | 0.5235% | 3,392 |
| Net interest margin | 3.5299% | 2,701 |
| Noninterest income to average assets | 1.4365% | 507 |
| Noninterest expense to average assets | 3.3848% | 876 |
| Loan and lease loss provision to assets | 0.0397% | 3,782 |
| Net operating income to assets | 1.3126% | 1,328 |
| Return on assets (ROA) | 1.3507% | 1,313 |
| Pretax return on assets | 1.3507% | 1,862 |
| Return on Equity (ROE) | 13.1756% | 1,062 |
| Retained earnings to average equity (ytd only) | 8.0448% | 1,286 |
| Net charge-offs to loans | -0.0069% | 4,104 |
| Credit loss provision to net charge-offs | -833.3333% | 3,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4525% | 1,771 |
| Assets per employee ($millions) | 3.8706% | 4,418 |
| Cash dividends to net income (ytd only)* | 38.9412% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,507 |
| Loan loss allowance to noncurrent loans | 141.2736% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 1,467 |
| Noncurrent loans to loans | 1.0075% | 1,540 |
| Net loans and leases to total assets | 63.0492% | 2,998 |
| Net loans and leases to deposits | 73.5918% | 3,115 |
| Net loans and leases to core deposits | 73.7999% | 3,476 |
| Total domestic deposits to total assets | 85.6742% | 2,131 |
| Equity capital to assets | 10.0660% | 3,150 |
| Core capital (leverage) ratio | 10.4744% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,858,000 | 3,648 |
| Average earning assets | $117,679,000 | 3,626 |
| Average equity | $12,902,667 | 3,879 |
| Average total loans | $86,707,667 | 3,473 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 2,924 |
| Cost of funding earning assets | 0.6282% | 3,287 |
| Net interest margin | 3.6715% | 2,428 |
| Noninterest income to average assets | 0.9920% | 875 |
| Noninterest expense to average assets | 3.2101% | 1,402 |
| Loan and lease loss provision to assets | 0.0813% | 2,687 |
| Net operating income to assets | 1.1221% | 1,778 |
| Return on assets (ROA) | 1.1221% | 1,876 |
| Pretax return on assets | 1.1221% | 2,448 |
| Return on Equity (ROE) | 10.8401% | 1,461 |
| Retained earnings to average equity (ytd only) | 6.7240% | 1,638 |
| Net charge-offs to loans | -0.0045% | 3,835 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7340% | 1,969 |
| Assets per employee ($millions) | 3.5758% | 4,414 |
| Cash dividends to net income (ytd only)* | 37.9710% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 1,768 |
| Loan loss allowance to noncurrent loans | 197.6860% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 1,773 |
| Noncurrent loans to loans | 0.6988% | 2,251 |
| Net loans and leases to total assets | 70.2285% | 2,212 |
| Net loans and leases to deposits | 82.8130% | 2,350 |
| Net loans and leases to core deposits | 83.0692% | 2,928 |
| Total domestic deposits to total assets | 84.8037% | 2,488 |
| Equity capital to assets | 10.5473% | 3,277 |
| Core capital (leverage) ratio | 10.5699% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,986,000 | 3,662 |
| Average earning assets | $114,613,500 | 3,638 |
| Average equity | $12,730,500 | 3,913 |
| Average total loans | $87,975,500 | 3,443 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 3,240 |
| Cost of funding earning assets | 0.7162% | 3,085 |
| Net interest margin | 3.6868% | 2,846 |
| Noninterest income to average assets | 0.9149% | 1,152 |
| Noninterest expense to average assets | 3.5193% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8331% | 3,440 |
| Return on assets (ROA) | 0.8331% | 3,532 |
| Pretax return on assets | 0.8331% | 3,912 |
| Return on Equity (ROE) | 8.0110% | 3,157 |
| Retained earnings to average equity (ytd only) | 2.4643% | 3,798 |
| Net charge-offs to loans | 0.0023% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 499.0000% | 186 |
| Efficiency ratio | 80.8592% | 877 |
| Assets per employee ($millions) | 3.6587% | 4,309 |
| Cash dividends to net income (ytd only)* | 69.2385% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 1,878 |
| Loan loss allowance to noncurrent loans | 263.5135% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 2,065 |
| Noncurrent loans to loans | 0.4968% | 2,695 |
| Net loans and leases to total assets | 70.9058% | 2,264 |
| Net loans and leases to deposits | 82.6894% | 2,476 |
| Net loans and leases to core deposits | 82.9336% | 3,046 |
| Total domestic deposits to total assets | 85.7495% | 2,161 |
| Equity capital to assets | 10.1595% | 3,777 |
| Core capital (leverage) ratio | 10.5628% | 2,891 |
| Tier 1 risk-based capital ratio | 15.6586% | 2,518 |
| Total risk-based capital ratio | 16.9106% | 2,454 |
| Memoranda: | ||
| Average total assets | $119,795,400 | 3,708 |
| Average earning assets | $111,695,600 | 3,680 |
| Average equity | $12,457,800 | 3,943 |
| Average total loans | $85,583,800 | 3,487 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 3,249 |
| Cost of funding earning assets | 0.7286% | 3,076 |
| Net interest margin | 3.7070% | 2,889 |
| Noninterest income to average assets | 0.9159% | 1,109 |
| Noninterest expense to average assets | 3.4792% | 971 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8900% | 3,380 |
| Return on assets (ROA) | 0.8900% | 3,459 |
| Pretax return on assets | 0.8900% | 3,902 |
| Return on Equity (ROE) | 8.5071% | 3,107 |
| Retained earnings to average equity (ytd only) | 3.5447% | 3,630 |
| Net charge-offs to loans | 0.0110% | 2,972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 113.1801% | 681 |
| Efficiency ratio | 79.6296% | 952 |
| Assets per employee ($millions) | 3.4297% | 4,571 |
| Cash dividends to net income (ytd only)* | 58.3331% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 1,753 |
| Loan loss allowance to noncurrent loans | 267.2018% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 1,911 |
| Noncurrent loans to loans | 0.5062% | 2,777 |
| Net loans and leases to total assets | 72.8692% | 2,024 |
| Net loans and leases to deposits | 85.5839% | 2,251 |
| Net loans and leases to core deposits | 85.8520% | 2,919 |
| Total domestic deposits to total assets | 85.1435% | 2,371 |
| Equity capital to assets | 10.8585% | 3,241 |
| Core capital (leverage) ratio | 10.3567% | 3,244 |
| Tier 1 risk-based capital ratio | 17.0275% | 2,078 |
| Total risk-based capital ratio | 18.2812% | 2,029 |
| Memoranda: | ||
| Average total assets | $118,645,250 | 3,764 |
| Average earning assets | $110,525,750 | 3,743 |
| Average equity | $12,412,750 | 3,984 |
| Average total loans | $84,636,250 | 3,554 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 3,545 |
| Cost of funding earning assets | 0.7139% | 3,091 |
| Net interest margin | 3.6145% | 3,210 |
| Noninterest income to average assets | 0.8548% | 1,194 |
| Noninterest expense to average assets | 3.5265% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6973% | 4,011 |
| Return on assets (ROA) | 0.6973% | 4,074 |
| Pretax return on assets | 0.6973% | 4,337 |
| Return on Equity (ROE) | 6.7480% | 3,767 |
| Retained earnings to average equity (ytd only) | 2.6927% | 3,852 |
| Net charge-offs to loans | -0.0048% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4921% | 694 |
| Assets per employee ($millions) | 3.7386% | 4,195 |
| Cash dividends to net income (ytd only)* | 60.0962% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 1,675 |
| Loan loss allowance to noncurrent loans | 291.3151% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 2,150 |
| Noncurrent loans to loans | 0.4755% | 2,850 |
| Net loans and leases to total assets | 65.7494% | 3,142 |
| Net loans and leases to deposits | 76.0079% | 3,334 |
| Net loans and leases to core deposits | 76.4088% | 3,690 |
| Total domestic deposits to total assets | 86.5033% | 1,819 |
| Equity capital to assets | 9.8196% | 4,122 |
| Core capital (leverage) ratio | 10.3894% | 3,201 |
| Tier 1 risk-based capital ratio | 16.4770% | 2,246 |
| Total risk-based capital ratio | 17.7296% | 2,191 |
| Memoranda: | ||
| Average total assets | $119,324,000 | 3,779 |
| Average earning assets | $111,218,670 | 3,755 |
| Average equity | $12,329,670 | 4,001 |
| Average total loans | $84,136,000 | 3,580 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 3,154 |
| Cost of funding earning assets | 0.6856% | 3,123 |
| Net interest margin | 3.7334% | 2,773 |
| Noninterest income to average assets | 0.8282% | 1,221 |
| Noninterest expense to average assets | 3.4099% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8906% | 3,268 |
| Return on assets (ROA) | 0.8906% | 3,322 |
| Pretax return on assets | 0.8906% | 3,796 |
| Return on Equity (ROE) | 8.3894% | 3,084 |
| Retained earnings to average equity (ytd only) | 3.9499% | 3,330 |
| Net charge-offs to loans | -0.0048% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2909% | 1,122 |
| Assets per employee ($millions) | 3.3845% | 4,670 |
| Cash dividends to net income (ytd only)* | 52.9183% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 1,664 |
| Loan loss allowance to noncurrent loans | 363.1579% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 2,143 |
| Noncurrent loans to loans | 0.3865% | 3,198 |
| Net loans and leases to total assets | 71.5963% | 2,230 |
| Net loans and leases to deposits | 83.6129% | 2,429 |
| Net loans and leases to core deposits | 83.8376% | 3,036 |
| Total domestic deposits to total assets | 85.6283% | 2,430 |
| Equity capital to assets | 10.7349% | 3,128 |
| Core capital (leverage) ratio | 10.6533% | 2,893 |
| Tier 1 risk-based capital ratio | 17.8173% | 1,848 |
| Total risk-based capital ratio | 19.0719% | 1,803 |
| Memoranda: | ||
| Average total assets | $115,429,500 | 3,870 |
| Average earning assets | $107,355,000 | 3,854 |
| Average equity | $12,253,500 | 4,031 |
| Average total loans | $83,829,000 | 3,615 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1817% | 3,489 |
| Cost of funding earning assets | 0.5166% | 3,247 |
| Net interest margin | 3.6651% | 3,176 |
| Noninterest income to average assets | 0.8963% | 1,183 |
| Noninterest expense to average assets | 3.5359% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7645% | 3,930 |
| Return on assets (ROA) | 0.7645% | 3,932 |
| Pretax return on assets | 0.7645% | 4,257 |
| Return on Equity (ROE) | 7.3330% | 3,716 |
| Retained earnings to average equity (ytd only) | 1.7146% | 4,462 |
| Net charge-offs to loans | -0.0036% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2236% | 782 |
| Assets per employee ($millions) | 3.4055% | 4,654 |
| Cash dividends to net income (ytd only)* | 76.6175% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,667 |
| Loan loss allowance to noncurrent loans | 354.0785% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 2,084 |
| Noncurrent loans to loans | 0.3936% | 3,120 |
| Net loans and leases to total assets | 71.6192% | 2,326 |
| Net loans and leases to deposits | 83.2923% | 2,593 |
| Net loans and leases to core deposits | 83.5138% | 3,133 |
| Total domestic deposits to total assets | 85.9854% | 2,236 |
| Equity capital to assets | 10.4970% | 3,194 |
| Core capital (leverage) ratio | 10.8559% | 2,671 |
| Tier 1 risk-based capital ratio | 18.6599% | 1,579 |
| Total risk-based capital ratio | 19.9154% | 1,538 |
| Memoranda: | ||
| Average total assets | $115,246,000 | 3,866 |
| Average earning assets | $107,036,800 | 3,857 |
| Average equity | $12,014,200 | 4,024 |
| Average total loans | $82,764,000 | 3,613 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 3,451 |
| Cost of funding earning assets | 0.4830% | 3,312 |
| Net interest margin | 3.6689% | 3,125 |
| Noninterest income to average assets | 0.8745% | 1,270 |
| Noninterest expense to average assets | 3.5281% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7517% | 4,069 |
| Return on assets (ROA) | 0.7517% | 4,078 |
| Pretax return on assets | 0.7517% | 4,423 |
| Return on Equity (ROE) | 7.2234% | 3,850 |
| Retained earnings to average equity (ytd only) | 0.9127% | 4,880 |
| Net charge-offs to loans | -0.0049% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4357% | 745 |
| Assets per employee ($millions) | 3.2758% | 4,800 |
| Cash dividends to net income (ytd only)* | 87.3652% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,609 |
| Loan loss allowance to noncurrent loans | 198.9813% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.9176% | 1,606 |
| Noncurrent loans to loans | 0.7157% | 2,288 |
| Net loans and leases to total assets | 72.8357% | 2,199 |
| Net loans and leases to deposits | 84.3827% | 2,553 |
| Net loans and leases to core deposits | 84.8469% | 3,092 |
| Total domestic deposits to total assets | 86.3160% | 2,051 |
| Equity capital to assets | 10.7508% | 2,895 |
| Core capital (leverage) ratio | 10.6630% | 2,923 |
| Tier 1 risk-based capital ratio | 17.0286% | 2,103 |
| Total risk-based capital ratio | 18.2830% | 2,041 |
| Memoranda: | ||
| Average total assets | $115,111,000 | 3,908 |
| Average earning assets | $106,840,250 | 3,901 |
| Average equity | $11,979,250 | 4,062 |
| Average total loans | $82,430,750 | 3,646 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 3,613 |
| Cost of funding earning assets | 0.4514% | 3,345 |
| Net interest margin | 3.5984% | 3,314 |
| Noninterest income to average assets | 0.8904% | 1,210 |
| Noninterest expense to average assets | 3.5546% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6790% | 4,252 |
| Return on assets (ROA) | 0.6790% | 4,259 |
| Pretax return on assets | 0.6790% | 4,560 |
| Return on Equity (ROE) | 6.5938% | 4,028 |
| Retained earnings to average equity (ytd only) | 2.2202% | 4,389 |
| Net charge-offs to loans | -0.0048% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9626% | 688 |
| Assets per employee ($millions) | 3.4584% | 4,651 |
| Cash dividends to net income (ytd only)* | 66.3291% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,635 |
| Loan loss allowance to noncurrent loans | 328.0112% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 2,100 |
| Noncurrent loans to loans | 0.4364% | 3,133 |
| Net loans and leases to total assets | 68.5680% | 2,780 |
| Net loans and leases to deposits | 78.8212% | 3,074 |
| Net loans and leases to core deposits | 79.2278% | 3,478 |
| Total domestic deposits to total assets | 86.9918% | 1,843 |
| Equity capital to assets | 10.2333% | 3,407 |
| Core capital (leverage) ratio | 10.5603% | 2,971 |
| Tier 1 risk-based capital ratio | 13.0305% | 3,876 |
| Total risk-based capital ratio | 14.2824% | 3,793 |
| Memoranda: | ||
| Average total assets | $116,355,330 | 3,924 |
| Average earning assets | $108,103,670 | 3,909 |
| Average equity | $11,981,000 | 4,086 |
| Average total loans | $82,476,000 | 3,670 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 3,578 |
| Cost of funding earning assets | 0.4392% | 3,295 |
| Net interest margin | 3.5696% | 3,285 |
| Noninterest income to average assets | 0.8364% | 1,344 |
| Noninterest expense to average assets | 3.3973% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7534% | 3,896 |
| Return on assets (ROA) | 0.7534% | 3,897 |
| Pretax return on assets | 0.7534% | 4,280 |
| Return on Equity (ROE) | 7.2940% | 3,666 |
| Retained earnings to average equity (ytd only) | 2.1079% | 4,317 |
| Net charge-offs to loans | -0.0048% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8485% | 961 |
| Assets per employee ($millions) | 3.3748% | 4,819 |
| Cash dividends to net income (ytd only)* | 71.1009% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 1,832 |
| Loan loss allowance to noncurrent loans | 443.1818% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 2,408 |
| Noncurrent loans to loans | 0.3165% | 3,633 |
| Net loans and leases to total assets | 71.6654% | 2,229 |
| Net loans and leases to deposits | 82.6168% | 2,537 |
| Net loans and leases to core deposits | 83.0524% | 3,061 |
| Total domestic deposits to total assets | 86.7443% | 2,222 |
| Equity capital to assets | 10.4268% | 3,146 |
| Core capital (leverage) ratio | 10.7066% | 2,733 |
| Tier 1 risk-based capital ratio | 12.6902% | 4,119 |
| Total risk-based capital ratio | 13.9154% | 4,038 |
| Memoranda: | ||
| Average total assets | $115,739,500 | 3,969 |
| Average earning assets | $107,462,000 | 3,960 |
| Average equity | $11,955,000 | 4,129 |
| Average total loans | $82,815,000 | 3,696 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 3,404 |
| Cost of funding earning assets | 0.3812% | 3,417 |
| Net interest margin | 3.6187% | 3,107 |
| Noninterest income to average assets | 0.9699% | 1,092 |
| Noninterest expense to average assets | 3.5332% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8011% | 3,151 |
| Return on assets (ROA) | 0.8011% | 3,196 |
| Pretax return on assets | 0.8011% | 4,236 |
| Return on Equity (ROE) | 7.7463% | 2,923 |
| Retained earnings to average equity (ytd only) | 4.7148% | 2,315 |
| Net charge-offs to loans | -0.0190% | 4,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5164% | 964 |
| Assets per employee ($millions) | 3.5375% | 4,654 |
| Cash dividends to net income (ytd only)* | 39.1353% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,678 |
| Loan loss allowance to noncurrent loans | 411.6197% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 1,969 |
| Noncurrent loans to loans | 0.3454% | 3,522 |
| Net loans and leases to total assets | 69.4387% | 2,611 |
| Net loans and leases to deposits | 79.4122% | 2,981 |
| Net loans and leases to core deposits | 80.0949% | 3,412 |
| Total domestic deposits to total assets | 87.4409% | 1,794 |
| Equity capital to assets | 10.2333% | 3,455 |
| Core capital (leverage) ratio | 10.8069% | 2,531 |
| Tier 1 risk-based capital ratio | 16.6340% | 2,216 |
| Total risk-based capital ratio | 17.8883% | 2,165 |
| Memoranda: | ||
| Average total assets | $112,590,600 | 4,018 |
| Average earning assets | $104,679,200 | 4,008 |
| Average equity | $11,644,200 | 4,199 |
| Average total loans | $78,814,000 | 3,776 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 3,183 |
| Cost of funding earning assets | 0.3778% | 3,392 |
| Net interest margin | 3.6701% | 2,866 |
| Noninterest income to average assets | 0.9119% | 1,234 |
| Noninterest expense to average assets | 3.5462% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7793% | 3,604 |
| Return on assets (ROA) | 0.7793% | 3,655 |
| Pretax return on assets | 0.7793% | 4,404 |
| Return on Equity (ROE) | 7.5143% | 3,383 |
| Retained earnings to average equity (ytd only) | 3.4575% | 3,869 |
| Net charge-offs to loans | -0.0222% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9840% | 920 |
| Assets per employee ($millions) | 3.2818% | 4,984 |
| Cash dividends to net income (ytd only)* | 53.9876% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,651 |
| Loan loss allowance to noncurrent loans | 216.9145% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.0360% | 1,630 |
| Noncurrent loans to loans | 0.6771% | 2,677 |
| Net loans and leases to total assets | 72.2927% | 2,213 |
| Net loans and leases to deposits | 82.5710% | 2,714 |
| Net loans and leases to core deposits | 83.5633% | 3,172 |
| Total domestic deposits to total assets | 87.5522% | 1,611 |
| Equity capital to assets | 10.8310% | 3,033 |
| Core capital (leverage) ratio | 10.4505% | 3,042 |
| Tier 1 risk-based capital ratio | 17.5336% | 2,001 |
| Total risk-based capital ratio | 18.7896% | 1,942 |
| Memoranda: | ||
| Average total assets | $111,554,250 | 4,074 |
| Average earning assets | $103,754,000 | 4,071 |
| Average equity | $11,568,750 | 4,252 |
| Average total loans | $77,960,250 | 3,825 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 3,624 |
| Cost of funding earning assets | 0.3665% | 3,414 |
| Net interest margin | 3.5143% | 3,343 |
| Noninterest income to average assets | 0.8629% | 1,384 |
| Noninterest expense to average assets | 3.5671% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5646% | 4,449 |
| Return on assets (ROA) | 0.5646% | 4,501 |
| Pretax return on assets | 0.5646% | 4,872 |
| Return on Equity (ROE) | 5.5232% | 4,259 |
| Retained earnings to average equity (ytd only) | 0.9726% | 4,848 |
| Net charge-offs to loans | -0.0310% | 4,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3343% | 670 |
| Assets per employee ($millions) | 3.3659% | 4,902 |
| Cash dividends to net income (ytd only)* | 82.3899% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 1,577 |
| Loan loss allowance to noncurrent loans | 114.8768% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.4392% | 1,085 |
| Noncurrent loans to loans | 1.3067% | 1,476 |
| Net loans and leases to total assets | 66.8586% | 2,974 |
| Net loans and leases to deposits | 76.0075% | 3,345 |
| Net loans and leases to core deposits | 77.0873% | 3,670 |
| Total domestic deposits to total assets | 87.9631% | 1,471 |
| Equity capital to assets | 10.0708% | 3,828 |
| Core capital (leverage) ratio | 10.2592% | 3,188 |
| Tier 1 risk-based capital ratio | 17.5600% | 1,988 |
| Total risk-based capital ratio | 18.8192% | 1,938 |
| Memoranda: | ||
| Average total assets | $112,639,000 | 4,086 |
| Average earning assets | $104,771,670 | 4,079 |
| Average equity | $11,515,000 | 4,271 |
| Average total loans | $77,460,330 | 3,857 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 3,516 |
| Cost of funding earning assets | 0.3698% | 3,313 |
| Net interest margin | 3.4978% | 3,280 |
| Noninterest income to average assets | 0.8484% | 1,403 |
| Noninterest expense to average assets | 3.4151% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6837% | 3,769 |
| Return on assets (ROA) | 0.6837% | 3,807 |
| Pretax return on assets | 0.6837% | 4,494 |
| Return on Equity (ROE) | 6.6377% | 3,587 |
| Retained earnings to average equity (ytd only) | 3.9618% | 3,467 |
| Net charge-offs to loans | -0.0207% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3188% | 1,032 |
| Assets per employee ($millions) | 3.2435% | 5,111 |
| Cash dividends to net income (ytd only)* | 40.3141% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 1,752 |
| Loan loss allowance to noncurrent loans | 103.4853% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.6195% | 964 |
| Noncurrent loans to loans | 1.4338% | 1,409 |
| Net loans and leases to total assets | 69.7186% | 2,437 |
| Net loans and leases to deposits | 80.5256% | 2,681 |
| Net loans and leases to core deposits | 81.7308% | 3,116 |
| Total domestic deposits to total assets | 86.5795% | 2,408 |
| Equity capital to assets | 10.4943% | 3,193 |
| Core capital (leverage) ratio | 10.4109% | 3,003 |
| Tier 1 risk-based capital ratio | 18.1761% | 1,809 |
| Total risk-based capital ratio | 19.4355% | 1,781 |
| Memoranda: | ||
| Average total assets | $111,738,500 | 4,140 |
| Average earning assets | $103,835,500 | 4,136 |
| Average equity | $11,510,000 | 4,306 |
| Average total loans | $77,351,000 | 3,873 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 3,891 |
| Cost of funding earning assets | 0.3664% | 3,354 |
| Net interest margin | 3.4402% | 3,664 |
| Noninterest income to average assets | 1.6389% | 450 |
| Noninterest expense to average assets | 3.7219% | 855 |
| Loan and lease loss provision to assets | 0.1926% | 1,213 |
| Net operating income to assets | 0.9197% | 2,722 |
| Return on assets (ROA) | 0.9197% | 2,841 |
| Pretax return on assets | 0.9197% | 3,770 |
| Return on Equity (ROE) | 9.2953% | 2,277 |
| Retained earnings to average equity (ytd only) | 4.8432% | 2,448 |
| Net charge-offs to loans | 0.2645% | 1,046 |
| Credit loss provision to net charge-offs | 111.1675% | 2,359 |
| Earnings coverage of net charge-offs (x) | 6.4213% | 3,176 |
| Efficiency ratio | 76.9916% | 1,849 |
| Assets per employee ($millions) | 3.3294% | 5,003 |
| Cash dividends to net income (ytd only)* | 47.8967% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,645 |
| Loan loss allowance to noncurrent loans | 106.6543% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.6246% | 972 |
| Noncurrent loans to loans | 1.4114% | 1,441 |
| Net loans and leases to total assets | 66.7017% | 2,973 |
| Net loans and leases to deposits | 76.6190% | 3,247 |
| Net loans and leases to core deposits | 77.7256% | 3,589 |
| Total domestic deposits to total assets | 87.0563% | 2,117 |
| Equity capital to assets | 10.1124% | 3,593 |
| Core capital (leverage) ratio | 10.2273% | 3,195 |
| Tier 1 risk-based capital ratio | 17.3119% | 2,059 |
| Total risk-based capital ratio | 18.5684% | 2,014 |
| Memoranda: | ||
| Average total assets | $113,733,000 | 4,097 |
| Average earning assets | $105,634,600 | 4,086 |
| Average equity | $11,253,000 | 4,388 |
| Average total loans | $74,484,000 | 3,933 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7977% | 3,928 |
| Cost of funding earning assets | 0.3617% | 3,419 |
| Net interest margin | 3.4359% | 3,721 |
| Noninterest income to average assets | 1.3360% | 657 |
| Noninterest expense to average assets | 3.6053% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9227% | 2,797 |
| Return on assets (ROA) | 0.9227% | 2,920 |
| Pretax return on assets | 0.9227% | 3,900 |
| Return on Equity (ROE) | 9.3769% | 2,316 |
| Retained earnings to average equity (ytd only) | 4.6409% | 3,063 |
| Net charge-offs to loans | 0.1515% | 1,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.3807% | 2,680 |
| Efficiency ratio | 79.6224% | 1,482 |
| Assets per employee ($millions) | 3.0856% | 5,305 |
| Cash dividends to net income (ytd only)* | 50.5073% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 2,147 |
| Loan loss allowance to noncurrent loans | 100.6724% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 2.0992% | 725 |
| Noncurrent loans to loans | 1.4024% | 1,572 |
| Net loans and leases to total assets | 67.7633% | 2,826 |
| Net loans and leases to deposits | 78.3850% | 3,149 |
| Net loans and leases to core deposits | 79.5921% | 3,489 |
| Total domestic deposits to total assets | 86.4494% | 2,148 |
| Equity capital to assets | 10.5477% | 3,512 |
| Core capital (leverage) ratio | 10.0632% | 3,490 |
| Tier 1 risk-based capital ratio | 18.0606% | 1,900 |
| Total risk-based capital ratio | 19.3147% | 1,866 |
| Memoranda: | ||
| Average total assets | $113,866,750 | 4,124 |
| Average earning assets | $105,781,250 | 4,107 |
| Average equity | $11,204,500 | 4,435 |
| Average total loans | $73,940,250 | 3,972 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,219 |
| Cost of funding earning assets | 0.3560% | 3,499 |
| Net interest margin | 3.3671% | 4,002 |
| Noninterest income to average assets | 1.3262% | 648 |
| Noninterest expense to average assets | 3.5433% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9186% | 2,777 |
| Return on assets (ROA) | 0.9186% | 2,910 |
| Pretax return on assets | 0.9186% | 3,883 |
| Return on Equity (ROE) | 9.5492% | 2,253 |
| Retained earnings to average equity (ytd only) | 4.7387% | 2,903 |
| Net charge-offs to loans | 0.0027% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 532.0000% | 127 |
| Efficiency ratio | 79.4118% | 1,575 |
| Assets per employee ($millions) | 3.3851% | 4,944 |
| Cash dividends to net income (ytd only)* | 50.3759% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 1,740 |
| Loan loss allowance to noncurrent loans | 84.0892% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.9573% | 842 |
| Noncurrent loans to loans | 1.8247% | 1,128 |
| Net loans and leases to total assets | 61.2590% | 3,714 |
| Net loans and leases to deposits | 69.9240% | 3,991 |
| Net loans and leases to core deposits | 70.8897% | 4,260 |
| Total domestic deposits to total assets | 87.6079% | 1,622 |
| Equity capital to assets | 9.5198% | 4,754 |
| Core capital (leverage) ratio | 9.6764% | 3,965 |
| Tier 1 risk-based capital ratio | 17.6614% | 2,023 |
| Total risk-based capital ratio | 18.9171% | 1,983 |
| Memoranda: | ||
| Average total assets | $115,824,000 | 4,125 |
| Average earning assets | $107,867,330 | 4,098 |
| Average equity | $11,142,330 | 4,472 |
| Average total loans | $73,844,000 | 4,000 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7455% | 4,154 |
| Cost of funding earning assets | 0.3603% | 3,497 |
| Net interest margin | 3.3852% | 3,921 |
| Noninterest income to average assets | 1.1564% | 823 |
| Noninterest expense to average assets | 3.3853% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9223% | 2,635 |
| Return on assets (ROA) | 0.9223% | 2,747 |
| Pretax return on assets | 0.9223% | 3,754 |
| Return on Equity (ROE) | 9.5358% | 2,186 |
| Retained earnings to average equity (ytd only) | 6.7546% | 2,008 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5888% | 1,817 |
| Assets per employee ($millions) | 3.2774% | 5,161 |
| Cash dividends to net income (ytd only)* | 29.1667% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 1,775 |
| Loan loss allowance to noncurrent loans | 82.5675% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.2457% | 723 |
| Noncurrent loans to loans | 1.8816% | 1,176 |
| Net loans and leases to total assets | 62.5344% | 3,450 |
| Net loans and leases to deposits | 72.2137% | 3,629 |
| Net loans and leases to core deposits | 73.0312% | 3,975 |
| Total domestic deposits to total assets | 86.5964% | 2,413 |
| Equity capital to assets | 9.7569% | 4,389 |
| Core capital (leverage) ratio | 9.5579% | 4,095 |
| Tier 1 risk-based capital ratio | 17.9471% | 1,996 |
| Total risk-based capital ratio | 19.2011% | 1,963 |
| Memoranda: | ||
| Average total assets | $114,496,500 | 4,171 |
| Average earning assets | $106,581,000 | 4,152 |
| Average equity | $11,074,000 | 4,491 |
| Average total loans | $73,911,000 | 4,024 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,352 |
| Cost of funding earning assets | 0.3919% | 3,245 |
| Net interest margin | 3.5975% | 3,149 |
| Noninterest income to average assets | 1.1188% | 941 |
| Noninterest expense to average assets | 3.7807% | 884 |
| Loan and lease loss provision to assets | 0.2008% | 1,066 |
| Net operating income to assets | 0.4800% | 4,766 |
| Return on assets (ROA) | 0.4800% | 4,853 |
| Pretax return on assets | 0.4800% | 5,154 |
| Return on Equity (ROE) | 4.7480% | 4,632 |
| Retained earnings to average equity (ytd only) | -1.0651% | 5,668 |
| Net charge-offs to loans | 0.3608% | 814 |
| Credit loss provision to net charge-offs | 81.4815% | 2,920 |
| Earnings coverage of net charge-offs (x) | 2.7630% | 3,832 |
| Efficiency ratio | 84.7413% | 1,120 |
| Assets per employee ($millions) | 3.2653% | 5,199 |
| Cash dividends to net income (ytd only)* | 122.4335% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,954 |
| Loan loss allowance to noncurrent loans | 74.4247% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 2.4115% | 654 |
| Noncurrent loans to loans | 2.0291% | 1,021 |
| Net loans and leases to total assets | 64.5982% | 3,183 |
| Net loans and leases to deposits | 74.6366% | 3,414 |
| Net loans and leases to core deposits | 75.4821% | 3,802 |
| Total domestic deposits to total assets | 86.5503% | 2,351 |
| Equity capital to assets | 9.5866% | 4,454 |
| Core capital (leverage) ratio | 9.4481% | 4,254 |
| Tier 1 risk-based capital ratio | 16.8424% | 2,338 |
| Total risk-based capital ratio | 18.0984% | 2,290 |
| Memoranda: | ||
| Average total assets | $109,582,000 | 4,266 |
| Average earning assets | $101,821,400 | 4,243 |
| Average equity | $11,078,400 | 4,466 |
| Average total loans | $74,835,400 | 3,974 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0417% | 3,164 |
| Cost of funding earning assets | 0.4040% | 3,183 |
| Net interest margin | 3.6376% | 3,005 |
| Noninterest income to average assets | 1.2041% | 832 |
| Noninterest expense to average assets | 3.9099% | 733 |
| Loan and lease loss provision to assets | 0.2706% | 597 |
| Net operating income to assets | 0.4010% | 5,164 |
| Return on assets (ROA) | 0.4010% | 5,251 |
| Pretax return on assets | 0.4010% | 5,461 |
| Return on Equity (ROE) | 3.9127% | 5,055 |
| Retained earnings to average equity (ytd only) | -0.6481% | 5,707 |
| Net charge-offs to loans | 0.4759% | 518 |
| Credit loss provision to net charge-offs | 82.3970% | 2,575 |
| Earnings coverage of net charge-offs (x) | 2.0449% | 3,738 |
| Efficiency ratio | 85.3423% | 1,053 |
| Assets per employee ($millions) | 3.2239% | 5,251 |
| Cash dividends to net income (ytd only)* | 116.5624% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 2,060 |
| Loan loss allowance to noncurrent loans | 87.1736% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 2.4185% | 733 |
| Noncurrent loans to loans | 1.7461% | 1,365 |
| Net loans and leases to total assets | 65.0762% | 3,140 |
| Net loans and leases to deposits | 75.4808% | 3,372 |
| Net loans and leases to core deposits | 76.3496% | 3,762 |
| Total domestic deposits to total assets | 86.2155% | 2,430 |
| Equity capital to assets | 9.8080% | 4,381 |
| Core capital (leverage) ratio | 8.9213% | 5,088 |
| Tier 1 risk-based capital ratio | 33.8789% | 381 |
| Total risk-based capital ratio | 37.6242% | 312 |
| Memoranda: | ||
| Average total assets | $108,406,250 | 4,334 |
| Average earning assets | $100,648,500 | 4,315 |
| Average equity | $11,109,000 | 4,507 |
| Average total loans | $74,804,750 | 4,017 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 2,861 |
| Cost of funding earning assets | 0.4185% | 3,050 |
| Net interest margin | 3.6904% | 2,752 |
| Noninterest income to average assets | 1.1821% | 867 |
| Noninterest expense to average assets | 3.9559% | 711 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6565% | 4,097 |
| Return on assets (ROA) | 0.6565% | 4,201 |
| Pretax return on assets | 0.6565% | 4,803 |
| Return on Equity (ROE) | 6.3112% | 3,981 |
| Retained earnings to average equity (ytd only) | 0.8990% | 5,205 |
| Net charge-offs to loans | 0.1389% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,743 |
| Efficiency ratio | 85.7664% | 1,076 |
| Assets per employee ($millions) | 2.6928% | 5,921 |
| Cash dividends to net income (ytd only)* | 85.7550% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 2,185 |
| Loan loss allowance to noncurrent loans | 95.9253% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.8282% | 1,255 |
| Noncurrent loans to loans | 1.5903% | 1,649 |
| Net loans and leases to total assets | 69.4572% | 2,415 |
| Net loans and leases to deposits | 81.5600% | 2,614 |
| Net loans and leases to core deposits | 82.8608% | 3,093 |
| Total domestic deposits to total assets | 85.1609% | 3,060 |
| Equity capital to assets | 10.6180% | 3,303 |
| Core capital (leverage) ratio | 9.7278% | 3,969 |
| Tier 1 risk-based capital ratio | 39.6819% | 269 |
| Total risk-based capital ratio | 43.7244% | 225 |
| Memoranda: | ||
| Average total assets | $106,929,330 | 4,403 |
| Average earning assets | $99,392,000 | 4,382 |
| Average equity | $11,123,000 | 4,542 |
| Average total loans | $74,884,670 | 4,034 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 2,866 |
| Cost of funding earning assets | 0.4228% | 3,033 |
| Net interest margin | 3.6698% | 2,735 |
| Noninterest income to average assets | 0.9603% | 1,213 |
| Noninterest expense to average assets | 3.9969% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3745% | 5,170 |
| Return on assets (ROA) | 0.3745% | 5,291 |
| Pretax return on assets | 0.3745% | 5,487 |
| Return on Equity (ROE) | 3.6367% | 5,131 |
| Retained earnings to average equity (ytd only) | -0.7561% | 5,510 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4334% | 753 |
| Assets per employee ($millions) | 2.7983% | 5,885 |
| Cash dividends to net income (ytd only)* | 120.7921% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 2,152 |
| Loan loss allowance to noncurrent loans | 166.7137% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.3937% | 1,904 |
| Noncurrent loans to loans | 0.9431% | 2,891 |
| Net loans and leases to total assets | 67.8069% | 2,475 |
| Net loans and leases to deposits | 79.9471% | 2,566 |
| Net loans and leases to core deposits | 81.4035% | 3,017 |
| Total domestic deposits to total assets | 84.8147% | 3,496 |
| Equity capital to assets | 10.1877% | 3,896 |
| Core capital (leverage) ratio | 10.0121% | 3,581 |
| Tier 1 risk-based capital ratio | 37.0359% | 307 |
| Total risk-based capital ratio | 39.6304% | 278 |
| Memoranda: | ||
| Average total assets | $107,884,000 | 4,419 |
| Average earning assets | $100,278,500 | 4,392 |
| Average equity | $11,109,000 | 4,580 |
| Average total loans | $75,290,000 | 4,040 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 1,626 |
| Cost of funding earning assets | 0.5773% | 1,982 |
| Net interest margin | 3.9969% | 1,906 |
| Noninterest income to average assets | 1.0737% | 1,052 |
| Noninterest expense to average assets | 3.9927% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7056% | 3,862 |
| Return on assets (ROA) | 0.7056% | 3,980 |
| Pretax return on assets | 0.7056% | 4,605 |
| Return on Equity (ROE) | 6.5987% | 3,848 |
| Retained earnings to average equity (ytd only) | 3.9022% | 3,435 |
| Net charge-offs to loans | 0.0830% | 3,312 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.3810% | 2,496 |
| Efficiency ratio | 84.9811% | 1,289 |
| Assets per employee ($millions) | 2.7343% | 5,999 |
| Cash dividends to net income (ytd only)* | 40.8647% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 2,199 |
| Loan loss allowance to noncurrent loans | 112.8940% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 1,515 |
| Noncurrent loans to loans | 1.3886% | 2,111 |
| Net loans and leases to total assets | 69.5984% | 2,290 |
| Net loans and leases to deposits | 82.3736% | 2,426 |
| Net loans and leases to core deposits | 84.2475% | 2,873 |
| Total domestic deposits to total assets | 84.4912% | 3,513 |
| Equity capital to assets | 10.4092% | 3,602 |
| Core capital (leverage) ratio | 9.9993% | 3,574 |
| Tier 1 risk-based capital ratio | 17.8202% | 2,196 |
| Total risk-based capital ratio | 19.0775% | 2,161 |
| Memoranda: | ||
| Average total assets | $101,609,600 | 4,558 |
| Average earning assets | $92,146,600 | 4,603 |
| Average equity | $10,865,800 | 4,591 |
| Average total loans | $75,924,000 | 3,995 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 1,332 |
| Cost of funding earning assets | 0.6176% | 1,698 |
| Net interest margin | 4.0725% | 1,664 |
| Noninterest income to average assets | 1.0762% | 1,053 |
| Noninterest expense to average assets | 4.0084% | 742 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7387% | 3,731 |
| Return on assets (ROA) | 0.7387% | 3,840 |
| Pretax return on assets | 0.7387% | 4,562 |
| Return on Equity (ROE) | 6.8594% | 3,787 |
| Retained earnings to average equity (ytd only) | 3.2447% | 4,317 |
| Net charge-offs to loans | 0.0982% | 2,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.9291% | 2,602 |
| Efficiency ratio | 84.4388% | 1,338 |
| Assets per employee ($millions) | 2.5215% | 6,210 |
| Cash dividends to net income (ytd only)* | 52.6986% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 2,389 |
| Loan loss allowance to noncurrent loans | 109.2831% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.9280% | 1,513 |
| Noncurrent loans to loans | 1.4429% | 2,261 |
| Net loans and leases to total assets | 75.4678% | 1,292 |
| Net loans and leases to deposits | 90.6365% | 1,363 |
| Net loans and leases to core deposits | 92.6495% | 1,983 |
| Total domestic deposits to total assets | 83.2642% | 4,045 |
| Equity capital to assets | 11.1409% | 2,826 |
| Core capital (leverage) ratio | 10.5912% | 2,934 |
| Tier 1 risk-based capital ratio | 17.5898% | 2,358 |
| Total risk-based capital ratio | 18.8474% | 2,316 |
| Memoranda: | ||
| Average total assets | $100,353,000 | 4,636 |
| Average earning assets | $90,457,750 | 4,695 |
| Average equity | $10,807,250 | 4,630 |
| Average total loans | $76,055,250 | 4,030 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,241 |
| Cost of funding earning assets | 0.6462% | 1,537 |
| Net interest margin | 4.0764% | 1,585 |
| Noninterest income to average assets | 1.0196% | 1,148 |
| Noninterest expense to average assets | 3.9436% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7226% | 3,715 |
| Return on assets (ROA) | 0.7226% | 3,811 |
| Pretax return on assets | 0.7226% | 4,564 |
| Return on Equity (ROE) | 6.7859% | 3,725 |
| Retained earnings to average equity (ytd only) | 2.8631% | 4,381 |
| Net charge-offs to loans | 0.1206% | 2,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.9348% | 2,559 |
| Efficiency ratio | 84.5142% | 1,441 |
| Assets per employee ($millions) | 2.5519% | 6,254 |
| Cash dividends to net income (ytd only)* | 57.8082% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 2,455 |
| Loan loss allowance to noncurrent loans | 170.3125% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.5333% | 2,125 |
| Noncurrent loans to loans | 0.9398% | 3,365 |
| Net loans and leases to total assets | 74.0621% | 1,434 |
| Net loans and leases to deposits | 88.5981% | 1,524 |
| Net loans and leases to core deposits | 90.8106% | 2,047 |
| Total domestic deposits to total assets | 83.5932% | 4,077 |
| Equity capital to assets | 10.9007% | 2,980 |
| Core capital (leverage) ratio | 10.2050% | 3,332 |
| Tier 1 risk-based capital ratio | 17.3281% | 2,487 |
| Total risk-based capital ratio | 18.5859% | 2,447 |
| Memoranda: | ||
| Average total assets | $101,024,000 | 4,661 |
| Average earning assets | $90,373,330 | 4,721 |
| Average equity | $10,757,670 | 4,663 |
| Average total loans | $76,272,330 | 4,031 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 950 |
| Cost of funding earning assets | 0.6690% | 1,445 |
| Net interest margin | 4.1789% | 1,272 |
| Noninterest income to average assets | 0.9276% | 1,311 |
| Noninterest expense to average assets | 4.1661% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4441% | 4,957 |
| Return on assets (ROA) | 0.4441% | 5,021 |
| Pretax return on assets | 0.4441% | 5,325 |
| Return on Equity (ROE) | 4.2196% | 4,922 |
| Retained earnings to average equity (ytd only) | 1.7550% | 4,905 |
| Net charge-offs to loans | -0.1767% | 6,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3666% | 1,001 |
| Assets per employee ($millions) | 2.6582% | 6,245 |
| Cash dividends to net income (ytd only)* | 58.4071% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6808% | 2,415 |
| Loan loss allowance to noncurrent loans | 257.3441% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 3,458 |
| Noncurrent loans to loans | 0.6531% | 4,226 |
| Net loans and leases to total assets | 72.1655% | 1,554 |
| Net loans and leases to deposits | 85.5633% | 1,651 |
| Net loans and leases to core deposits | 87.6401% | 2,137 |
| Total domestic deposits to total assets | 84.3417% | 4,149 |
| Equity capital to assets | 10.3530% | 3,398 |
| Core capital (leverage) ratio | 10.3099% | 3,163 |
| Tier 1 risk-based capital ratio | 17.2113% | 2,594 |
| Total risk-based capital ratio | 18.4714% | 2,549 |
| Memoranda: | ||
| Average total assets | $101,773,000 | 4,689 |
| Average earning assets | $89,688,500 | 4,781 |
| Average equity | $10,712,000 | 4,686 |
| Average total loans | $76,953,500 | 4,035 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0243% | 873 |
| Cost of funding earning assets | 0.8315% | 1,033 |
| Net interest margin | 4.1927% | 1,371 |
| Noninterest income to average assets | 1.0763% | 1,222 |
| Noninterest expense to average assets | 4.1052% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7240% | 3,679 |
| Return on assets (ROA) | 0.7240% | 3,774 |
| Pretax return on assets | 0.7240% | 4,446 |
| Return on Equity (ROE) | 6.6257% | 3,759 |
| Retained earnings to average equity (ytd only) | -1.0501% | 6,072 |
| Net charge-offs to loans | -0.0119% | 6,050 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0084% | 1,517 |
| Assets per employee ($millions) | 2.4969% | 6,405 |
| Cash dividends to net income (ytd only)* | 115.8485% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 2,760 |
| Loan loss allowance to noncurrent loans | 226.7760% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 1.3757% | 2,681 |
| Noncurrent loans to loans | 0.7055% | 4,207 |
| Net loans and leases to total assets | 76.6641% | 992 |
| Net loans and leases to deposits | 91.4573% | 1,114 |
| Net loans and leases to core deposits | 93.8104% | 1,613 |
| Total domestic deposits to total assets | 83.8249% | 4,231 |
| Equity capital to assets | 10.7043% | 2,930 |
| Core capital (leverage) ratio | 10.3087% | 3,139 |
| Tier 1 risk-based capital ratio | 16.5351% | 2,839 |
| Total risk-based capital ratio | 17.7929% | 2,805 |
| Memoranda: | ||
| Average total assets | $98,486,000 | 4,782 |
| Average earning assets | $88,152,200 | 4,831 |
| Average equity | $10,761,200 | 4,690 |
| Average total loans | $75,580,200 | 4,074 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 799 |
| Cost of funding earning assets | 0.8659% | 966 |
| Net interest margin | 4.2139% | 1,293 |
| Noninterest income to average assets | 1.1562% | 1,098 |
| Noninterest expense to average assets | 4.1491% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7622% | 3,543 |
| Return on assets (ROA) | 0.7622% | 3,675 |
| Pretax return on assets | 0.7622% | 4,445 |
| Return on Equity (ROE) | 6.9394% | 3,688 |
| Retained earnings to average equity (ytd only) | -3.2779% | 6,381 |
| Net charge-offs to loans | -0.0746% | 6,423 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4813% | 1,536 |
| Assets per employee ($millions) | 2.4985% | 6,480 |
| Cash dividends to net income (ytd only)* | 147.2379% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 2,839 |
| Loan loss allowance to noncurrent loans | 170.6275% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 1.4699% | 2,736 |
| Noncurrent loans to loans | 0.9615% | 3,891 |
| Net loans and leases to total assets | 76.6632% | 909 |
| Net loans and leases to deposits | 91.3729% | 1,030 |
| Net loans and leases to core deposits | 93.4297% | 1,628 |
| Total domestic deposits to total assets | 83.9015% | 4,233 |
| Equity capital to assets | 10.5342% | 3,234 |
| Core capital (leverage) ratio | 10.5078% | 2,996 |
| Tier 1 risk-based capital ratio | 16.2771% | 3,052 |
| Total risk-based capital ratio | 17.5364% | 3,008 |
| Memoranda: | ||
| Average total assets | $98,138,500 | 4,832 |
| Average earning assets | $87,455,000 | 4,885 |
| Average equity | $10,778,750 | 4,739 |
| Average total loans | $75,021,750 | 4,118 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1253% | 737 |
| Cost of funding earning assets | 0.9045% | 878 |
| Net interest margin | 4.2208% | 1,222 |
| Noninterest income to average assets | 1.1872% | 1,080 |
| Noninterest expense to average assets | 4.1235% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7956% | 3,316 |
| Return on assets (ROA) | 0.7956% | 3,475 |
| Pretax return on assets | 0.7956% | 4,327 |
| Return on Equity (ROE) | 7.1440% | 3,520 |
| Retained earnings to average equity (ytd only) | -0.4051% | 5,933 |
| Net charge-offs to loans | -0.1161% | 6,538 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8266% | 1,647 |
| Assets per employee ($millions) | 2.4272% | 6,557 |
| Cash dividends to net income (ytd only)* | 105.6701% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 2,857 |
| Loan loss allowance to noncurrent loans | 127.9000% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.6356% | 2,652 |
| Noncurrent loans to loans | 1.3132% | 3,364 |
| Net loans and leases to total assets | 77.1146% | 855 |
| Net loans and leases to deposits | 92.0932% | 952 |
| Net loans and leases to core deposits | 94.6690% | 1,465 |
| Total domestic deposits to total assets | 83.7354% | 4,438 |
| Equity capital to assets | 11.0941% | 2,665 |
| Core capital (leverage) ratio | 10.7994% | 2,563 |
| Tier 1 risk-based capital ratio | 17.1425% | 2,659 |
| Total risk-based capital ratio | 18.4020% | 2,630 |
| Memoranda: | ||
| Average total assets | $97,537,670 | 4,869 |
| Average earning assets | $86,239,330 | 4,943 |
| Average equity | $10,862,330 | 4,757 |
| Average total loans | $74,063,670 | 4,171 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1200% | 716 |
| Cost of funding earning assets | 0.9461% | 795 |
| Net interest margin | 4.1739% | 1,269 |
| Noninterest income to average assets | 1.2356% | 1,008 |
| Noninterest expense to average assets | 4.2184% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6997% | 3,686 |
| Return on assets (ROA) | 0.6997% | 3,828 |
| Pretax return on assets | 0.6997% | 4,583 |
| Return on Equity (ROE) | 6.2706% | 3,903 |
| Retained earnings to average equity (ytd only) | 1.6135% | 5,179 |
| Net charge-offs to loans | 0.0055% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 235 |
| Efficiency ratio | 85.7737% | 1,540 |
| Assets per employee ($millions) | 2.4699% | 6,612 |
| Cash dividends to net income (ytd only)* | 74.2690% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 3,087 |
| Loan loss allowance to noncurrent loans | 134.3852% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.7096% | 2,727 |
| Noncurrent loans to loans | 1.2512% | 3,681 |
| Net loans and leases to total assets | 73.0961% | 1,191 |
| Net loans and leases to deposits | 85.4011% | 1,427 |
| Net loans and leases to core deposits | 87.6929% | 1,937 |
| Total domestic deposits to total assets | 85.5915% | 3,743 |
| Equity capital to assets | 11.0592% | 2,893 |
| Core capital (leverage) ratio | 10.9122% | 2,340 |
| Tier 1 risk-based capital ratio | 17.6145% | 2,512 |
| Total risk-based capital ratio | 18.8747% | 2,475 |
| Memoranda: | ||
| Average total assets | $97,762,500 | 4,912 |
| Average earning assets | $86,250,000 | 4,979 |
| Average equity | $10,908,000 | 4,785 |
| Average total loans | $73,021,500 | 4,236 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5820% | 531 |
| Cost of funding earning assets | 1.2968% | 381 |
| Net interest margin | 4.2852% | 1,432 |
| Noninterest income to average assets | 1.4622% | 733 |
| Noninterest expense to average assets | 4.2389% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9455% | 2,573 |
| Return on assets (ROA) | 0.9455% | 2,826 |
| Pretax return on assets | 0.9455% | 3,763 |
| Return on Equity (ROE) | 8.8321% | 2,716 |
| Retained earnings to average equity (ytd only) | 5.4787% | 2,394 |
| Net charge-offs to loans | 0.1777% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 7.1923% | 2,658 |
| Efficiency ratio | 81.7632% | 1,907 |
| Assets per employee ($millions) | 2.4182% | 6,687 |
| Cash dividends to net income (ytd only)* | 37.9679% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 2,922 |
| Loan loss allowance to noncurrent loans | 295.6938% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 1.2302% | 3,597 |
| Noncurrent loans to loans | 0.5758% | 5,088 |
| Net loans and leases to total assets | 73.7690% | 1,226 |
| Net loans and leases to deposits | 86.4324% | 1,455 |
| Net loans and leases to core deposits | 89.6612% | 1,873 |
| Total domestic deposits to total assets | 85.3488% | 3,695 |
| Equity capital to assets | 11.2583% | 2,676 |
| Core capital (leverage) ratio | 10.7219% | 2,521 |
| Tier 1 risk-based capital ratio | 17.3797% | 2,494 |
| Total risk-based capital ratio | 18.6395% | 2,469 |
| Memoranda: | ||
| Average total assets | $98,894,000 | 4,864 |
| Average earning assets | $85,901,000 | 4,965 |
| Average equity | $10,586,400 | 4,848 |
| Average total loans | $73,167,400 | 4,230 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6747% | 486 |
| Cost of funding earning assets | 1.2650% | 519 |
| Net interest margin | 4.4097% | 1,184 |
| Noninterest income to average assets | 1.4495% | 716 |
| Noninterest expense to average assets | 4.2439% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0150% | 2,426 |
| Return on assets (ROA) | 1.0150% | 2,661 |
| Pretax return on assets | 1.0150% | 3,651 |
| Return on Equity (ROE) | 9.6029% | 2,542 |
| Retained earnings to average equity (ytd only) | 5.0996% | 3,296 |
| Net charge-offs to loans | 0.1000% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 13.7639% | 1,888 |
| Efficiency ratio | 80.6986% | 1,987 |
| Assets per employee ($millions) | 2.5456% | 6,659 |
| Cash dividends to net income (ytd only)* | 46.8954% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 2,849 |
| Loan loss allowance to noncurrent loans | 163.0597% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 3,507 |
| Noncurrent loans to loans | 1.0941% | 4,246 |
| Net loans and leases to total assets | 70.8815% | 1,748 |
| Net loans and leases to deposits | 85.4513% | 1,665 |
| Net loans and leases to core deposits | 88.5645% | 2,150 |
| Total domestic deposits to total assets | 82.9497% | 4,655 |
| Equity capital to assets | 10.5419% | 3,791 |
| Core capital (leverage) ratio | 10.5546% | 2,855 |
| Tier 1 risk-based capital ratio | 17.0004% | 2,729 |
| Total risk-based capital ratio | 18.2615% | 2,684 |
| Memoranda: | ||
| Average total assets | $99,435,250 | 4,893 |
| Average earning assets | $85,899,750 | 5,021 |
| Average equity | $10,510,500 | 4,912 |
| Average total loans | $73,311,250 | 4,284 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7288% | 458 |
| Cost of funding earning assets | 1.2920% | 545 |
| Net interest margin | 4.4368% | 1,114 |
| Noninterest income to average assets | 1.2652% | 894 |
| Noninterest expense to average assets | 4.1971% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9185% | 2,817 |
| Return on assets (ROA) | 0.9185% | 3,085 |
| Pretax return on assets | 0.9185% | 4,012 |
| Return on Equity (ROE) | 8.6815% | 2,948 |
| Retained earnings to average equity (ytd only) | 4.5036% | 3,610 |
| Net charge-offs to loans | 0.0573% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 21.5714% | 1,337 |
| Efficiency ratio | 82.0452% | 1,872 |
| Assets per employee ($millions) | 2.4585% | 6,796 |
| Cash dividends to net income (ytd only)* | 48.1236% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 2,899 |
| Loan loss allowance to noncurrent loans | 206.6052% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 1.5192% | 3,425 |
| Noncurrent loans to loans | 0.8646% | 4,774 |
| Net loans and leases to total assets | 75.2021% | 1,078 |
| Net loans and leases to deposits | 91.6099% | 991 |
| Net loans and leases to core deposits | 95.0760% | 1,503 |
| Total domestic deposits to total assets | 82.0895% | 5,093 |
| Equity capital to assets | 10.7323% | 3,414 |
| Core capital (leverage) ratio | 10.4800% | 2,828 |
| Tier 1 risk-based capital ratio | 16.2256% | 3,050 |
| Total risk-based capital ratio | 17.4858% | 3,011 |
| Memoranda: | ||
| Average total assets | $98,639,670 | 4,936 |
| Average earning assets | $85,603,000 | 5,061 |
| Average equity | $10,436,000 | 4,929 |
| Average total loans | $73,253,670 | 4,306 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 394 |
| Cost of funding earning assets | 1.3498% | 517 |
| Net interest margin | 4.4960% | 1,017 |
| Noninterest income to average assets | 1.0932% | 1,200 |
| Noninterest expense to average assets | 4.3081% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6154% | 4,285 |
| Return on assets (ROA) | 0.6154% | 4,492 |
| Pretax return on assets | 0.6154% | 5,063 |
| Return on Equity (ROE) | 5.8591% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.8591% | 3,036 |
| Net charge-offs to loans | 0.0886% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,837 |
| Efficiency ratio | 87.5000% | 1,337 |
| Assets per employee ($millions) | 2.4779% | 6,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8472% | 2,849 |
| Loan loss allowance to noncurrent loans | 193.1330% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 1.1613% | 4,184 |
| Noncurrent loans to loans | 0.9564% | 4,762 |
| Net loans and leases to total assets | 72.3735% | 1,334 |
| Net loans and leases to deposits | 86.3244% | 1,379 |
| Net loans and leases to core deposits | 89.4884% | 1,901 |
| Total domestic deposits to total assets | 83.8390% | 4,569 |
| Equity capital to assets | 10.5453% | 3,436 |
| Core capital (leverage) ratio | 10.4934% | 2,760 |
| Tier 1 risk-based capital ratio | 16.5290% | 2,896 |
| Total risk-based capital ratio | 17.7895% | 2,857 |
| Memoranda: | ||
| Average total assets | $98,790,000 | 4,959 |
| Average earning assets | $84,163,500 | 5,134 |
| Average equity | $10,377,000 | 4,950 |
| Average total loans | $72,231,500 | 4,375 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1102% | 359 |
| Cost of funding earning assets | 1.5581% | 563 |
| Net interest margin | 4.5521% | 1,023 |
| Noninterest income to average assets | 0.8242% | 1,951 |
| Noninterest expense to average assets | 4.2438% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5343% | 4,293 |
| Return on assets (ROA) | 0.5343% | 4,486 |
| Pretax return on assets | 0.5343% | 4,889 |
| Return on Equity (ROE) | 5.0361% | 4,371 |
| Retained earnings to average equity (ytd only) | 2.9264% | 4,154 |
| Net charge-offs to loans | 0.0234% | 6,114 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 30.4706% | 833 |
| Efficiency ratio | 88.8169% | 1,287 |
| Assets per employee ($millions) | 2.5247% | 6,808 |
| Cash dividends to net income (ytd only)* | 41.8919% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9137% | 2,524 |
| Loan loss allowance to noncurrent loans | 195.4220% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1872% | 4,261 |
| Noncurrent loans to loans | 0.9793% | 4,748 |
| Net loans and leases to total assets | 71.1055% | 1,805 |
| Net loans and leases to deposits | 85.2758% | 1,764 |
| Net loans and leases to core deposits | 89.1274% | 2,237 |
| Total domestic deposits to total assets | 83.3829% | 4,598 |
| Equity capital to assets | 10.4626% | 3,577 |
| Core capital (leverage) ratio | 10.4958% | 2,739 |
| Tier 1 risk-based capital ratio | 16.4560% | 2,844 |
| Total risk-based capital ratio | 17.7184% | 2,803 |
| Memoranda: | ||
| Average total assets | $96,942,400 | 4,980 |
| Average earning assets | $84,202,800 | 5,113 |
| Average equity | $10,285,800 | 4,947 |
| Average total loans | $72,520,200 | 4,396 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1300% | 373 |
| Cost of funding earning assets | 1.6015% | 579 |
| Net interest margin | 4.5285% | 1,085 |
| Noninterest income to average assets | 0.9652% | 1,437 |
| Noninterest expense to average assets | 4.3412% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5868% | 4,146 |
| Return on assets (ROA) | 0.5868% | 4,329 |
| Pretax return on assets | 0.5868% | 4,857 |
| Return on Equity (ROE) | 5.5112% | 4,282 |
| Retained earnings to average equity (ytd only) | 2.6973% | 4,745 |
| Net charge-offs to loans | -0.0018% | 6,667 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0919% | 1,333 |
| Assets per employee ($millions) | 2.4554% | 6,932 |
| Cash dividends to net income (ytd only)* | 51.0597% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9278% | 2,543 |
| Loan loss allowance to noncurrent loans | 207.1856% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 1.8640% | 3,314 |
| Noncurrent loans to loans | 0.9305% | 5,018 |
| Net loans and leases to total assets | 73.5219% | 1,409 |
| Net loans and leases to deposits | 88.2524% | 1,405 |
| Net loans and leases to core deposits | 92.3527% | 1,960 |
| Total domestic deposits to total assets | 83.3086% | 4,558 |
| Equity capital to assets | 10.8905% | 3,248 |
| Core capital (leverage) ratio | 10.7941% | 2,578 |
| Tier 1 risk-based capital ratio | 16.5459% | 2,840 |
| Total risk-based capital ratio | 17.8083% | 2,796 |
| Memoranda: | ||
| Average total assets | $96,561,750 | 5,019 |
| Average earning assets | $84,500,000 | 5,141 |
| Average equity | $10,281,750 | 4,971 |
| Average total loans | $72,805,250 | 4,429 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1468% | 356 |
| Cost of funding earning assets | 1.6191% | 651 |
| Net interest margin | 4.5278% | 1,064 |
| Noninterest income to average assets | 0.8778% | 1,724 |
| Noninterest expense to average assets | 4.2756% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5763% | 4,176 |
| Return on assets (ROA) | 0.5763% | 4,300 |
| Pretax return on assets | 0.5763% | 4,826 |
| Return on Equity (ROE) | 5.4531% | 4,235 |
| Retained earnings to average equity (ytd only) | 2.0327% | 4,961 |
| Net charge-offs to loans | 0.0027% | 5,848 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 279.0000% | 123 |
| Efficiency ratio | 88.1226% | 1,404 |
| Assets per employee ($millions) | 2.4712% | 6,948 |
| Cash dividends to net income (ytd only)* | 62.7240% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8873% | 2,707 |
| Loan loss allowance to noncurrent loans | 67.3489% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 2.9053% | 2,312 |
| Noncurrent loans to loans | 2.8022% | 2,596 |
| Net loans and leases to total assets | 74.5473% | 1,316 |
| Net loans and leases to deposits | 89.8635% | 1,285 |
| Net loans and leases to core deposits | 94.2885% | 1,864 |
| Total domestic deposits to total assets | 82.9562% | 4,773 |
| Equity capital to assets | 10.6978% | 3,290 |
| Core capital (leverage) ratio | 10.4917% | 2,722 |
| Tier 1 risk-based capital ratio | 16.0452% | 2,959 |
| Total risk-based capital ratio | 17.3060% | 2,916 |
| Memoranda: | ||
| Average total assets | $96,828,330 | 5,053 |
| Average earning assets | $84,987,000 | 5,162 |
| Average equity | $10,232,670 | 4,987 |
| Average total loans | $73,143,670 | 4,457 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1513% | 358 |
| Cost of funding earning assets | 1.6403% | 704 |
| Net interest margin | 4.5109% | 1,046 |
| Noninterest income to average assets | 0.8449% | 1,866 |
| Noninterest expense to average assets | 4.3851% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4039% | 4,930 |
| Return on assets (ROA) | 0.4039% | 5,015 |
| Pretax return on assets | 0.4039% | 5,332 |
| Return on Equity (ROE) | 3.8454% | 4,984 |
| Retained earnings to average equity (ytd only) | -0.1962% | 5,823 |
| Net charge-offs to loans | -0.0328% | 6,742 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5663% | 1,194 |
| Assets per employee ($millions) | 2.6144% | 6,827 |
| Cash dividends to net income (ytd only)* | 105.1020% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9268% | 2,607 |
| Loan loss allowance to noncurrent loans | 73.2982% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 3.3877% | 2,014 |
| Noncurrent loans to loans | 2.6288% | 2,869 |
| Net loans and leases to total assets | 73.0857% | 1,496 |
| Net loans and leases to deposits | 86.6227% | 1,633 |
| Net loans and leases to core deposits | 90.4981% | 2,297 |
| Total domestic deposits to total assets | 84.3724% | 4,337 |
| Equity capital to assets | 10.5373% | 3,143 |
| Core capital (leverage) ratio | 10.1251% | 3,000 |
| Tier 1 risk-based capital ratio | 16.0499% | 2,883 |
| Total risk-based capital ratio | 17.3115% | 2,854 |
| Memoranda: | ||
| Average total assets | $97,055,000 | 5,082 |
| Average earning assets | $84,860,500 | 5,194 |
| Average equity | $10,194,000 | 4,989 |
| Average total loans | $73,102,000 | 4,507 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4305% | 357 |
| Cost of funding earning assets | 1.8880% | 883 |
| Net interest margin | 4.5425% | 1,148 |
| Noninterest income to average assets | 0.8928% | 1,875 |
| Noninterest expense to average assets | 3.8025% | 1,484 |
| Loan and lease loss provision to assets | 0.1131% | 6,029 |
| Net operating income to assets | 1.0429% | 1,901 |
| Return on assets (ROA) | 1.0429% | 2,001 |
| Pretax return on assets | 1.0429% | 2,802 |
| Return on Equity (ROE) | 10.1850% | 1,860 |
| Retained earnings to average equity (ytd only) | 5.4842% | 2,122 |
| Net charge-offs to loans | 0.1088% | 5,787 |
| Credit loss provision to net charge-offs | 135.8025% | 2,846 |
| Earnings coverage of net charge-offs (x) | 13.8765% | 1,382 |
| Efficiency ratio | 76.6853% | 2,932 |
| Assets per employee ($millions) | 2.7822% | 6,548 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 2,650 |
| Loan loss allowance to noncurrent loans | 55.6092% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 4.0800% | 1,656 |
| Noncurrent loans to loans | 3.3555% | 2,269 |
| Net loans and leases to total assets | 74.6932% | 1,542 |
| Net loans and leases to deposits | 89.8827% | 1,540 |
| Net loans and leases to core deposits | 93.5762% | 2,314 |
| Total domestic deposits to total assets | 83.1007% | 4,754 |
| Equity capital to assets | 10.4696% | 3,188 |
| Core capital (leverage) ratio | 9.8839% | 3,223 |
| Tier 1 risk-based capital ratio | 15.7163% | 2,882 |
| Total risk-based capital ratio | 16.9682% | 2,847 |
| Memoranda: | ||
| Average total assets | $97,225,400 | 5,071 |
| Average earning assets | $87,022,200 | 5,115 |
| Average equity | $9,955,800 | 5,152 |
| Average total loans | $74,464,600 | 4,511 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4662% | 364 |
| Cost of funding earning assets | 1.9140% | 988 |
| Net interest margin | 4.5522% | 1,149 |
| Noninterest income to average assets | 0.7957% | 2,253 |
| Noninterest expense to average assets | 3.8975% | 1,207 |
| Loan and lease loss provision to assets | 0.0137% | 6,901 |
| Net operating income to assets | 0.9727% | 2,329 |
| Return on assets (ROA) | 0.9727% | 2,446 |
| Pretax return on assets | 0.9727% | 3,280 |
| Return on Equity (ROE) | 9.5524% | 2,303 |
| Retained earnings to average equity (ytd only) | 3.2471% | 4,156 |
| Net charge-offs to loans | 0.0268% | 6,297 |
| Credit loss provision to net charge-offs | 66.6667% | 5,519 |
| Earnings coverage of net charge-offs (x) | 47.9320% | 585 |
| Efficiency ratio | 79.8034% | 2,366 |
| Assets per employee ($millions) | 2.7683% | 6,658 |
| Cash dividends to net income (ytd only)* | 66.0080% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 2,847 |
| Loan loss allowance to noncurrent loans | 83.5294% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 2.3491% | 3,023 |
| Noncurrent loans to loans | 2.1316% | 3,539 |
| Net loans and leases to total assets | 76.8057% | 1,260 |
| Net loans and leases to deposits | 94.3145% | 1,167 |
| Net loans and leases to core deposits | 98.2857% | 2,014 |
| Total domestic deposits to total assets | 81.4356% | 5,227 |
| Equity capital to assets | 10.3138% | 3,745 |
| Core capital (leverage) ratio | 9.8745% | 3,392 |
| Tier 1 risk-based capital ratio | 15.1330% | 3,191 |
| Total risk-based capital ratio | 16.3930% | 3,160 |
| Memoranda: | ||
| Average total assets | $97,187,500 | 5,133 |
| Average earning assets | $87,282,000 | 5,166 |
| Average equity | $9,896,000 | 5,225 |
| Average total loans | $74,551,500 | 4,580 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4967% | 338 |
| Cost of funding earning assets | 1.9414% | 1,073 |
| Net interest margin | 4.5552% | 1,093 |
| Noninterest income to average assets | 0.7380% | 2,464 |
| Noninterest expense to average assets | 3.8628% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9559% | 2,345 |
| Return on assets (ROA) | 0.9559% | 2,430 |
| Pretax return on assets | 0.9559% | 3,291 |
| Return on Equity (ROE) | 9.4285% | 2,303 |
| Retained earnings to average equity (ytd only) | 2.1493% | 4,778 |
| Net charge-offs to loans | 0.0486% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 25.8333% | 1,020 |
| Efficiency ratio | 80.1621% | 2,426 |
| Assets per employee ($millions) | 2.5022% | 7,099 |
| Cash dividends to net income (ytd only)* | 77.2043% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 2,694 |
| Loan loss allowance to noncurrent loans | 108.5297% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.9331% | 3,574 |
| Noncurrent loans to loans | 1.6672% | 4,195 |
| Net loans and leases to total assets | 76.2500% | 1,439 |
| Net loans and leases to deposits | 95.3546% | 1,110 |
| Net loans and leases to core deposits | 99.4841% | 2,075 |
| Total domestic deposits to total assets | 79.9647% | 5,740 |
| Equity capital to assets | 10.3721% | 3,556 |
| Core capital (leverage) ratio | 9.2461% | 4,217 |
| Tier 1 risk-based capital ratio | 15.2548% | 3,035 |
| Total risk-based capital ratio | 16.5158% | 2,984 |
| Memoranda: | ||
| Average total assets | $97,286,670 | 5,160 |
| Average earning assets | $87,152,330 | 5,202 |
| Average equity | $9,863,670 | 5,242 |
| Average total loans | $74,146,670 | 4,636 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4567% | 394 |
| Cost of funding earning assets | 1.9599% | 1,212 |
| Net interest margin | 4.4968% | 1,150 |
| Noninterest income to average assets | 0.7806% | 2,117 |
| Noninterest expense to average assets | 3.6264% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1465% | 1,685 |
| Return on assets (ROA) | 1.1465% | 1,766 |
| Pretax return on assets | 1.1465% | 2,567 |
| Return on Equity (ROE) | 11.4349% | 1,662 |
| Retained earnings to average equity (ytd only) | 0.9326% | 5,442 |
| Net charge-offs to loans | 0.0969% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 1,369 |
| Efficiency ratio | 75.9796% | 3,218 |
| Assets per employee ($millions) | 2.6061% | 7,031 |
| Cash dividends to net income (ytd only)* | 91.8440% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 2,640 |
| Loan loss allowance to noncurrent loans | 103.8073% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.9226% | 3,602 |
| Noncurrent loans to loans | 1.7624% | 4,105 |
| Net loans and leases to total assets | 72.3887% | 2,360 |
| Net loans and leases to deposits | 89.9992% | 1,901 |
| Net loans and leases to core deposits | 93.7049% | 2,877 |
| Total domestic deposits to total assets | 80.4326% | 5,644 |
| Equity capital to assets | 10.0372% | 3,817 |
| Core capital (leverage) ratio | 9.4916% | 3,786 |
| Tier 1 risk-based capital ratio | 15.6721% | 2,794 |
| Total risk-based capital ratio | 16.9330% | 2,736 |
| Memoranda: | ||
| Average total assets | $98,389,000 | 5,196 |
| Average earning assets | $87,351,500 | 5,264 |
| Average equity | $9,864,500 | 5,280 |
| Average total loans | $74,302,000 | 4,701 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5126% | 655 |
| Cost of funding earning assets | 2.0480% | 2,734 |
| Net interest margin | 4.4646% | 1,260 |
| Noninterest income to average assets | 0.7261% | 2,809 |
| Noninterest expense to average assets | 3.6391% | 2,062 |
| Loan and lease loss provision to assets | 0.2934% | 5,080 |
| Net operating income to assets | 0.8070% | 2,515 |
| Return on assets (ROA) | 0.8070% | 2,595 |
| Pretax return on assets | 0.8070% | 3,221 |
| Return on Equity (ROE) | 8.5421% | 2,180 |
| Retained earnings to average equity (ytd only) | 3.4560% | 2,749 |
| Net charge-offs to loans | 0.1399% | 5,821 |
| Credit loss provision to net charge-offs | 278.7037% | 1,232 |
| Earnings coverage of net charge-offs (x) | 10.4537% | 1,687 |
| Efficiency ratio | 76.7839% | 3,392 |
| Assets per employee ($millions) | 2.5063% | 7,195 |
| Cash dividends to net income (ytd only)* | 59.5411% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7915% | 2,572 |
| Loan loss allowance to noncurrent loans | 95.0175% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 2.3326% | 2,965 |
| Noncurrent loans to loans | 1.8854% | 3,821 |
| Net loans and leases to total assets | 75.9376% | 1,811 |
| Net loans and leases to deposits | 94.5085% | 1,528 |
| Net loans and leases to core deposits | 112.0629% | 2,691 |
| Total domestic deposits to total assets | 80.3501% | 5,567 |
| Equity capital to assets | 10.0147% | 3,743 |
| Core capital (leverage) ratio | 9.2204% | 4,089 |
| Tier 1 risk-based capital ratio | 14.7135% | 3,093 |
| Total risk-based capital ratio | 15.9740% | 3,043 |
| Memoranda: | ||
| Average total assets | $102,607,000 | 5,023 |
| Average earning assets | $92,237,200 | 5,055 |
| Average equity | $9,693,200 | 5,384 |
| Average total loans | $77,209,400 | 4,614 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5040% | 738 |
| Cost of funding earning assets | 2.0645% | 3,051 |
| Net interest margin | 4.4395% | 1,342 |
| Noninterest income to average assets | 0.7500% | 2,712 |
| Noninterest expense to average assets | 3.5265% | 2,211 |
| Loan and lease loss provision to assets | 0.3031% | 4,550 |
| Net operating income to assets | 0.9054% | 2,404 |
| Return on assets (ROA) | 0.9054% | 2,473 |
| Pretax return on assets | 0.9054% | 3,209 |
| Return on Equity (ROE) | 9.7213% | 2,026 |
| Retained earnings to average equity (ytd only) | 2.9233% | 3,685 |
| Net charge-offs to loans | 0.0721% | 5,964 |
| Credit loss provision to net charge-offs | 561.9048% | 691 |
| Earnings coverage of net charge-offs (x) | 22.4043% | 1,159 |
| Efficiency ratio | 74.4779% | 3,789 |
| Assets per employee ($millions) | 2.5877% | 7,073 |
| Cash dividends to net income (ytd only)* | 69.9291% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 2,246 |
| Loan loss allowance to noncurrent loans | 87.2505% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 2.3736% | 2,899 |
| Noncurrent loans to loans | 2.0743% | 3,533 |
| Net loans and leases to total assets | 74.7610% | 2,302 |
| Net loans and leases to deposits | 92.9815% | 2,063 |
| Net loans and leases to core deposits | 110.7472% | 3,151 |
| Total domestic deposits to total assets | 80.4041% | 5,290 |
| Equity capital to assets | 9.9652% | 4,130 |
| Core capital (leverage) ratio | 9.2412% | 4,276 |
| Tier 1 risk-based capital ratio | 14.8113% | 3,130 |
| Total risk-based capital ratio | 16.0724% | 3,067 |
| Memoranda: | ||
| Average total assets | $103,822,250 | 5,024 |
| Average earning assets | $93,192,250 | 5,065 |
| Average equity | $9,669,250 | 5,437 |
| Average total loans | $77,616,750 | 4,642 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5292% | 771 |
| Cost of funding earning assets | 2.0632% | 3,457 |
| Net interest margin | 4.4660% | 1,255 |
| Noninterest income to average assets | 0.8083% | 2,372 |
| Noninterest expense to average assets | 3.5418% | 2,217 |
| Loan and lease loss provision to assets | 0.4467% | 3,300 |
| Net operating income to assets | 0.8272% | 2,747 |
| Return on assets (ROA) | 0.8272% | 2,844 |
| Pretax return on assets | 0.8272% | 3,581 |
| Return on Equity (ROE) | 9.0796% | 2,333 |
| Retained earnings to average equity (ytd only) | 1.5583% | 4,461 |
| Net charge-offs to loans | 0.1146% | 5,008 |
| Credit loss provision to net charge-offs | 524.4444% | 880 |
| Earnings coverage of net charge-offs (x) | 14.9556% | 1,622 |
| Efficiency ratio | 73.5456% | 4,104 |
| Assets per employee ($millions) | 2.6524% | 6,949 |
| Cash dividends to net income (ytd only)* | 82.8375% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 2,089 |
| Loan loss allowance to noncurrent loans | 97.6879% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 2.0309% | 3,157 |
| Noncurrent loans to loans | 1.8281% | 3,770 |
| Net loans and leases to total assets | 73.7688% | 2,768 |
| Net loans and leases to deposits | 92.7546% | 2,325 |
| Net loans and leases to core deposits | 108.8687% | 3,506 |
| Total domestic deposits to total assets | 79.5311% | 5,630 |
| Equity capital to assets | 9.5414% | 4,553 |
| Core capital (leverage) ratio | 8.8767% | 4,825 |
| Tier 1 risk-based capital ratio | 14.5097% | 3,236 |
| Total risk-based capital ratio | 15.7695% | 3,176 |
| Memoranda: | ||
| Average total assets | $105,652,330 | 4,995 |
| Average earning assets | $94,804,330 | 5,047 |
| Average equity | $9,626,000 | 5,482 |
| Average total loans | $78,532,670 | 4,632 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4865% | 892 |
| Cost of funding earning assets | 2.0296% | 3,992 |
| Net interest margin | 4.4569% | 1,217 |
| Noninterest income to average assets | 0.6958% | 2,917 |
| Noninterest expense to average assets | 3.2790% | 2,722 |
| Loan and lease loss provision to assets | 0.7402% | 1,739 |
| Net operating income to assets | 0.6995% | 3,562 |
| Return on assets (ROA) | 0.6995% | 3,752 |
| Pretax return on assets | 0.6995% | 4,440 |
| Return on Equity (ROE) | 7.8501% | 3,218 |
| Retained earnings to average equity (ytd only) | 1.5368% | 4,991 |
| Net charge-offs to loans | 0.1851% | 3,526 |
| Credit loss provision to net charge-offs | 540.5405% | 1,022 |
| Earnings coverage of net charge-offs (x) | 10.5135% | 1,945 |
| Efficiency ratio | 69.4902% | 4,678 |
| Assets per employee ($millions) | 2.6976% | 6,892 |
| Cash dividends to net income (ytd only)* | 80.4233% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7042% | 2,135 |
| Loan loss allowance to noncurrent loans | 138.9297% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 1.3023% | 4,072 |
| Noncurrent loans to loans | 1.2267% | 4,519 |
| Net loans and leases to total assets | 74.4969% | 2,619 |
| Net loans and leases to deposits | 94.2034% | 2,236 |
| Net loans and leases to core deposits | 110.8199% | 3,332 |
| Total domestic deposits to total assets | 79.0809% | 5,692 |
| Equity capital to assets | 9.3933% | 4,815 |
| Core capital (leverage) ratio | 8.8046% | 4,977 |
| Tier 1 risk-based capital ratio | 14.3190% | 3,420 |
| Total risk-based capital ratio | 15.5781% | 3,335 |
| Memoranda: | ||
| Average total assets | $108,082,500 | 4,945 |
| Average earning assets | $97,556,500 | 4,986 |
| Average equity | $9,630,500 | 5,498 |
| Average total loans | $79,946,500 | 4,620 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8155% | 1,623 |
| Cost of funding earning assets | 2.5482% | 3,964 |
| Net interest margin | 4.2673% | 2,076 |
| Noninterest income to average assets | 0.4972% | 4,632 |
| Noninterest expense to average assets | 3.1664% | 3,464 |
| Loan and lease loss provision to assets | 0.2283% | 4,609 |
| Net operating income to assets | 1.0822% | 2,218 |
| Return on assets (ROA) | 1.0822% | 2,134 |
| Pretax return on assets | 1.0652% | 3,159 |
| Return on Equity (ROE) | 12.4293% | 1,466 |
| Retained earnings to average equity (ytd only) | 5.8191% | 1,607 |
| Net charge-offs to loans | 0.0775% | 5,655 |
| Credit loss provision to net charge-offs | 390.3226% | 1,135 |
| Earnings coverage of net charge-offs (x) | 22.1129% | 1,493 |
| Efficiency ratio | 70.9964% | 4,135 |
| Assets per employee ($millions) | 2.9909% | 6,072 |
| Cash dividends to net income (ytd only)* | 53.1822% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 3,124 |
| Loan loss allowance to noncurrent loans | 97.3177% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.2265% | 3,774 |
| Noncurrent loans to loans | 1.4513% | 3,625 |
| Net loans and leases to total assets | 71.3046% | 3,728 |
| Net loans and leases to deposits | 88.7859% | 3,672 |
| Net loans and leases to core deposits | 103.4742% | 4,444 |
| Total domestic deposits to total assets | 80.3108% | 4,904 |
| Equity capital to assets | 8.4747% | 6,129 |
| Core capital (leverage) ratio | 8.8370% | 4,988 |
| Tier 1 risk-based capital ratio | 12.9812% | 4,121 |
| Total risk-based capital ratio | 14.2361% | 4,034 |
| Memoranda: | ||
| Average total assets | $105,989,400 | 4,877 |
| Average earning assets | $98,422,400 | 4,854 |
| Average equity | $9,228,200 | 5,662 |
| Average total loans | $79,966,800 | 4,513 |