Home > McGehee Bank > Performance and Condition Ratios
McGehee Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4274% | 780 |
| Cost of funding earning assets | 2.1380% | 1,877 |
| Net interest margin | 4.2894% | 844 |
| Noninterest income to average assets | 0.6600% | 1,305 |
| Noninterest expense to average assets | 2.5061% | 2,290 |
| Loan and lease loss provision to assets | 0.3000% | 406 |
| Net operating income to assets | 1.8680% | 496 |
| Return on assets (ROA) | 1.8680% | 492 |
| Pretax return on assets | 1.8680% | 747 |
| Return on Equity (ROE) | 10.8200% | 1,940 |
| Retained earnings to average equity (ytd only) | 3.6446% | 2,765 |
| Net charge-offs to loans | 0.2814% | 538 |
| Credit loss provision to net charge-offs | 78.2468% | 2,135 |
| Earnings coverage of net charge-offs (x) | 11.7825% | 2,189 |
| Efficiency ratio | 53.6349% | 3,750 |
| Assets per employee ($millions) | 5.6403% | 3,176 |
| Cash dividends to net income (ytd only)* | 66.3151% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8906% | 162 |
| Loan loss allowance to noncurrent loans | 358.6022% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 1,278 |
| Noncurrent loans to loans | 0.8061% | 1,229 |
| Net loans and leases to total assets | 68.5000% | 2,078 |
| Net loans and leases to deposits | 87.3096% | 1,466 |
| Net loans and leases to core deposits | 110.9351% | 894 |
| Total domestic deposits to total assets | 78.4500% | 3,726 |
| Equity capital to assets | 17.7429% | 349 |
| Core capital (leverage) ratio | 16.3025% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $167,508,400 | 3,220 |
| Average earning assets | $156,734,600 | 3,199 |
| Average equity | $28,919,600 | 2,413 |
| Average total loans | $109,443,000 | 3,110 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2405% | 958 |
| Cost of funding earning assets | 2.0364% | 2,119 |
| Net interest margin | 4.2040% | 901 |
| Noninterest income to average assets | 0.6200% | 1,407 |
| Noninterest expense to average assets | 2.2188% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.3312% | 284 |
| Return on assets (ROA) | 2.3312% | 286 |
| Pretax return on assets | 2.3312% | 409 |
| Return on Equity (ROE) | 13.5900% | 1,233 |
| Retained earnings to average equity (ytd only) | 8.6336% | 1,219 |
| Net charge-offs to loans | 0.3791% | 350 |
| Credit loss provision to net charge-offs | -93.1596% | 4,395 |
| Earnings coverage of net charge-offs (x) | 9.5961% | 2,156 |
| Efficiency ratio | 48.7652% | 4,058 |
| Assets per employee ($millions) | 6.1891% | 2,723 |
| Cash dividends to net income (ytd only)* | 36.4902% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2322% | 290 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 68.5500% | 2,011 |
| Net loans and leases to deposits | 104.3458% | 314 |
| Net loans and leases to core deposits | 129.0634% | 404 |
| Total domestic deposits to total assets | 65.6900% | 4,310 |
| Equity capital to assets | 16.5813% | 452 |
| Core capital (leverage) ratio | 17.1012% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $168,493,000 | 3,214 |
| Average earning assets | $157,526,750 | 3,199 |
| Average equity | $28,894,000 | 2,420 |
| Average total loans | $107,960,000 | 3,134 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0530% | 1,090 |
| Cost of funding earning assets | 1.8679% | 2,449 |
| Net interest margin | 4.1851% | 915 |
| Noninterest income to average assets | 0.7300% | 1,020 |
| Noninterest expense to average assets | 2.2520% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.4037% | 263 |
| Return on assets (ROA) | 2.4037% | 261 |
| Pretax return on assets | 2.4037% | 373 |
| Return on Equity (ROE) | 13.8500% | 1,179 |
| Retained earnings to average equity (ytd only) | 9.4809% | 986 |
| Net charge-offs to loans | 0.6431% | 196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 6.0396% | 2,177 |
| Efficiency ratio | 48.3711% | 4,091 |
| Assets per employee ($millions) | 5.5474% | 3,182 |
| Cash dividends to net income (ytd only)* | 31.5497% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1759% | 310 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.4500% | 2,292 |
| Net loans and leases to deposits | 84.3862% | 1,809 |
| Net loans and leases to core deposits | 110.5495% | 954 |
| Total domestic deposits to total assets | 78.7500% | 3,618 |
| Equity capital to assets | 18.1509% | 337 |
| Core capital (leverage) ratio | 17.8319% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $164,829,000 | 3,249 |
| Average earning assets | $154,501,000 | 3,227 |
| Average equity | $28,605,000 | 2,409 |
| Average total loans | $102,000,000 | 3,195 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7400% | 1,418 |
| Cost of funding earning assets | 1.7589% | 2,616 |
| Net interest margin | 3.9811% | 1,115 |
| Noninterest income to average assets | 0.7400% | 938 |
| Noninterest expense to average assets | 2.1990% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.2901% | 306 |
| Return on assets (ROA) | 2.2901% | 306 |
| Pretax return on assets | 2.2901% | 431 |
| Return on Equity (ROE) | 13.4900% | 1,242 |
| Retained earnings to average equity (ytd only) | 13.4947% | 551 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 48.9850% | 4,064 |
| Assets per employee ($millions) | 5.7227% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6733% | 159 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 56.3400% | 3,169 |
| Net loans and leases to deposits | 69.1767% | 2,957 |
| Net loans and leases to core deposits | 89.3669% | 2,083 |
| Total domestic deposits to total assets | 81.4400% | 3,292 |
| Equity capital to assets | 17.3550% | 375 |
| Core capital (leverage) ratio | 17.4802% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $166,806,500 | 3,234 |
| Average earning assets | $157,141,500 | 3,214 |
| Average equity | $28,307,500 | 2,432 |
| Average total loans | $98,357,000 | 3,238 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3822% | 1,344 |
| Cost of funding earning assets | 1.3195% | 2,462 |
| Net interest margin | 4.0627% | 1,115 |
| Noninterest income to average assets | 3.0000% | 182 |
| Noninterest expense to average assets | 3.1547% | 869 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 3.1799% | 140 |
| Return on assets (ROA) | 3.1799% | 136 |
| Pretax return on assets | 3.1799% | 172 |
| Return on Equity (ROE) | 18.9800% | 712 |
| Retained earnings to average equity (ytd only) | 10.6508% | 866 |
| Net charge-offs to loans | -0.2301% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 46.3406% | 4,185 |
| Assets per employee ($millions) | 5.7812% | 3,004 |
| Cash dividends to net income (ytd only)* | 43.8715% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3799% | 89 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 58.0100% | 3,035 |
| Net loans and leases to deposits | 70.2402% | 2,879 |
| Net loans and leases to core deposits | 88.2023% | 2,167 |
| Total domestic deposits to total assets | 82.5800% | 2,995 |
| Equity capital to assets | 16.5894% | 415 |
| Core capital (leverage) ratio | 16.6465% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $158,558,800 | 3,287 |
| Average earning assets | $148,619,600 | 3,262 |
| Average equity | $26,570,800 | 2,428 |
| Average total loans | $97,762,800 | 3,200 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1930% | 1,469 |
| Cost of funding earning assets | 1.2388% | 2,307 |
| Net interest margin | 3.9542% | 1,292 |
| Noninterest income to average assets | 2.7300% | 213 |
| Noninterest expense to average assets | 2.3120% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 4.1240% | 108 |
| Return on assets (ROA) | 4.1240% | 107 |
| Pretax return on assets | 4.1240% | 128 |
| Return on Equity (ROE) | 24.5400% | 407 |
| Retained earnings to average equity (ytd only) | 18.7046% | 310 |
| Net charge-offs to loans | -0.0096% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 35.9226% | 4,447 |
| Assets per employee ($millions) | 5.4534% | 3,220 |
| Cash dividends to net income (ytd only)* | 23.7898% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 611 |
| Loan loss allowance to noncurrent loans | 1,799.0909% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 3,142 |
| Noncurrent loans to loans | 0.0979% | 3,088 |
| Net loans and leases to total assets | 69.8100% | 1,850 |
| Net loans and leases to deposits | 92.1728% | 1,039 |
| Net loans and leases to core deposits | 110.4430% | 858 |
| Total domestic deposits to total assets | 75.7400% | 4,032 |
| Equity capital to assets | 18.0982% | 338 |
| Core capital (leverage) ratio | 18.1497% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $156,284,750 | 3,316 |
| Average earning assets | $146,373,500 | 3,292 |
| Average equity | $26,260,250 | 2,433 |
| Average total loans | $97,040,250 | 3,210 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 1,784 |
| Cost of funding earning assets | 1.0509% | 2,454 |
| Net interest margin | 3.8386% | 1,548 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.1881% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1302% | 385 |
| Return on assets (ROA) | 2.1302% | 379 |
| Pretax return on assets | 2.1302% | 589 |
| Return on Equity (ROE) | 13.0200% | 1,897 |
| Retained earnings to average equity (ytd only) | 7.5217% | 2,121 |
| Net charge-offs to loans | -0.0109% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.6694% | 3,871 |
| Assets per employee ($millions) | 5.0680% | 3,536 |
| Cash dividends to net income (ytd only)* | 42.2195% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0534% | 380 |
| Loan loss allowance to noncurrent loans | 268.2051% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 1,058 |
| Noncurrent loans to loans | 0.7656% | 989 |
| Net loans and leases to total assets | 65.6300% | 2,195 |
| Net loans and leases to deposits | 80.0608% | 1,972 |
| Net loans and leases to core deposits | 97.6217% | 1,371 |
| Total domestic deposits to total assets | 81.9800% | 3,237 |
| Equity capital to assets | 16.9968% | 390 |
| Core capital (leverage) ratio | 16.6584% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $155,663,667 | 3,339 |
| Average earning assets | $145,784,000 | 3,312 |
| Average equity | $25,473,000 | 2,494 |
| Average total loans | $91,923,667 | 3,272 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 2,255 |
| Cost of funding earning assets | 0.8770% | 2,447 |
| Net interest margin | 3.6516% | 2,010 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 2.0625% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2886% | 330 |
| Return on assets (ROA) | 2.2886% | 327 |
| Pretax return on assets | 2.2886% | 495 |
| Return on Equity (ROE) | 14.2500% | 1,728 |
| Retained earnings to average equity (ytd only) | 14.2515% | 908 |
| Net charge-offs to loans | -0.0046% | 3,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.4022% | 4,129 |
| Assets per employee ($millions) | 5.2925% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 387 |
| Loan loss allowance to noncurrent loans | 364.3478% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 1,711 |
| Noncurrent loans to loans | 0.5715% | 1,301 |
| Net loans and leases to total assets | 49.6400% | 3,522 |
| Net loans and leases to deposits | 60.0781% | 3,330 |
| Net loans and leases to core deposits | 72.5393% | 2,780 |
| Total domestic deposits to total assets | 82.6200% | 3,375 |
| Equity capital to assets | 16.2255% | 386 |
| Core capital (leverage) ratio | 15.9697% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2566% | 303 |
| Memoranda: | ||
| Average total assets | $157,475,500 | 3,358 |
| Average earning assets | $147,769,000 | 3,336 |
| Average equity | $25,288,500 | 2,531 |
| Average total loans | $86,946,000 | 3,368 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6176% | 2,750 |
| Cost of funding earning assets | 0.2022% | 3,742 |
| Net interest margin | 3.4154% | 2,202 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.2660% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8008% | 446 |
| Return on assets (ROA) | 1.8008% | 427 |
| Pretax return on assets | 1.8008% | 734 |
| Return on Equity (ROE) | 12.9600% | 1,826 |
| Retained earnings to average equity (ytd only) | 3.7098% | 3,492 |
| Net charge-offs to loans | 0.0174% | 1,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 170.3125% | 728 |
| Efficiency ratio | 55.7199% | 3,607 |
| Assets per employee ($millions) | 5.3854% | 3,333 |
| Cash dividends to net income (ytd only)* | 71.3761% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9302% | 128 |
| Loan loss allowance to noncurrent loans | 13,033.3333% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,736 |
| Noncurrent loans to loans | 0.0225% | 3,638 |
| Net loans and leases to total assets | 58.0600% | 2,818 |
| Net loans and leases to deposits | 69.4157% | 2,631 |
| Net loans and leases to core deposits | 77.6327% | 2,307 |
| Total domestic deposits to total assets | 83.6300% | 3,287 |
| Equity capital to assets | 15.8891% | 394 |
| Core capital (leverage) ratio | 15.9551% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7470% | 434 |
| Memoranda: | ||
| Average total assets | $151,321,400 | 3,430 |
| Average earning assets | $141,445,800 | 3,405 |
| Average equity | $21,025,400 | 2,854 |
| Average total loans | $91,835,400 | 3,267 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3944% | 2,935 |
| Cost of funding earning assets | 0.1465% | 3,881 |
| Net interest margin | 3.2479% | 2,466 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.1113% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6788% | 557 |
| Return on assets (ROA) | 1.6788% | 543 |
| Pretax return on assets | 1.6788% | 944 |
| Return on Equity (ROE) | 12.5500% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.2675% | 1,900 |
| Net charge-offs to loans | 0.0058% | 1,953 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 472.5000% | 330 |
| Efficiency ratio | 55.7066% | 3,647 |
| Assets per employee ($millions) | 5.1920% | 3,509 |
| Cash dividends to net income (ytd only)* | 34.1270% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4896% | 235 |
| Loan loss allowance to noncurrent loans | 576.1006% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 1,673 |
| Noncurrent loans to loans | 0.4322% | 1,734 |
| Net loans and leases to total assets | 71.4800% | 1,343 |
| Net loans and leases to deposits | 93.8918% | 643 |
| Net loans and leases to core deposits | 104.5307% | 629 |
| Total domestic deposits to total assets | 76.1300% | 4,363 |
| Equity capital to assets | 16.7712% | 331 |
| Core capital (leverage) ratio | 16.7438% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6774% | 586 |
| Memoranda: | ||
| Average total assets | $150,107,750 | 3,464 |
| Average earning assets | $140,150,000 | 3,444 |
| Average equity | $20,078,000 | 2,988 |
| Average total loans | $91,443,000 | 3,274 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0009% | 3,558 |
| Cost of funding earning assets | 0.0958% | 4,232 |
| Net interest margin | 2.9051% | 3,153 |
| Noninterest income to average assets | 0.9430% | 762 |
| Noninterest expense to average assets | 2.1513% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5005% | 706 |
| Return on assets (ROA) | 1.5005% | 685 |
| Pretax return on assets | 1.5005% | 1,166 |
| Return on Equity (ROE) | 12.2594% | 1,602 |
| Retained earnings to average equity (ytd only) | 8.3364% | 1,497 |
| Net charge-offs to loans | -0.0094% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9116% | 3,443 |
| Assets per employee ($millions) | 5.4989% | 3,229 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8252% | 172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.4656% | 2,386 |
| Net loans and leases to deposits | 67.7198% | 2,408 |
| Net loans and leases to core deposits | 76.4847% | 1,974 |
| Total domestic deposits to total assets | 87.8113% | 2,650 |
| Equity capital to assets | 11.7805% | 943 |
| Core capital (leverage) ratio | 12.0907% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,954,333 | 3,498 |
| Average earning assets | $139,824,333 | 3,493 |
| Average equity | $18,353,333 | 3,199 |
| Average total loans | $85,131,333 | 3,392 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6199% | 4,091 |
| Cost of funding earning assets | 0.1038% | 4,084 |
| Net interest margin | 2.5161% | 3,870 |
| Noninterest income to average assets | 0.5124% | 2,083 |
| Noninterest expense to average assets | 1.5014% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3471% | 906 |
| Return on assets (ROA) | 1.3471% | 891 |
| Pretax return on assets | 1.3471% | 1,384 |
| Return on Equity (ROE) | 10.7846% | 1,690 |
| Retained earnings to average equity (ytd only) | 10.7846% | 823 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7079% | 4,143 |
| Assets per employee ($millions) | 5.0267% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6389% | 92 |
| Loan loss allowance to noncurrent loans | 5,508.0000% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,698 |
| Noncurrent loans to loans | 0.0661% | 3,517 |
| Net loans and leases to total assets | 50.0288% | 3,169 |
| Net loans and leases to deposits | 57.4244% | 3,131 |
| Net loans and leases to core deposits | 65.7486% | 2,653 |
| Total domestic deposits to total assets | 87.1212% | 2,882 |
| Equity capital to assets | 12.4638% | 819 |
| Core capital (leverage) ratio | 12.2512% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,198,000 | 3,564 |
| Average earning assets | $134,812,500 | 3,570 |
| Average equity | $18,137,000 | 3,316 |
| Average total loans | $78,904,500 | 3,472 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3047% | 3,202 |
| Cost of funding earning assets | 0.1554% | 3,912 |
| Net interest margin | 3.1493% | 2,740 |
| Noninterest income to average assets | 2.4249% | 242 |
| Noninterest expense to average assets | 2.9780% | 1,020 |
| Loan and lease loss provision to assets | 0.6139% | 84 |
| Net operating income to assets | 1.7782% | 533 |
| Return on assets (ROA) | 1.7782% | 559 |
| Pretax return on assets | 1.7782% | 959 |
| Return on Equity (ROE) | 13.9969% | 1,187 |
| Retained earnings to average equity (ytd only) | 3.6724% | 3,354 |
| Net charge-offs to loans | 0.2154% | 430 |
| Credit loss provision to net charge-offs | 450.0000% | 854 |
| Earnings coverage of net charge-offs (x) | 17.5350% | 1,940 |
| Efficiency ratio | 55.4554% | 3,760 |
| Assets per employee ($millions) | 4.9870% | 3,740 |
| Cash dividends to net income (ytd only)* | 73.7629% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3522% | 109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.8831% | 2,742 |
| Net loans and leases to deposits | 63.0275% | 2,782 |
| Net loans and leases to core deposits | 68.8804% | 2,566 |
| Total domestic deposits to total assets | 87.0780% | 2,488 |
| Equity capital to assets | 12.5188% | 1,054 |
| Core capital (leverage) ratio | 11.8359% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0060% | 755 |
| Memoranda: | ||
| Average total assets | $146,606,600 | 3,516 |
| Average earning assets | $137,109,200 | 3,506 |
| Average equity | $18,625,600 | 3,336 |
| Average total loans | $92,835,800 | 3,294 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 3,381 |
| Cost of funding earning assets | 0.1732% | 3,890 |
| Net interest margin | 3.1305% | 2,962 |
| Noninterest income to average assets | 2.9249% | 202 |
| Noninterest expense to average assets | 2.3647% | 2,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.4932% | 87 |
| Return on assets (ROA) | 3.4932% | 89 |
| Pretax return on assets | 3.4932% | 123 |
| Return on Equity (ROE) | 27.3971% | 121 |
| Retained earnings to average equity (ytd only) | 22.2220% | 83 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3683% | 4,710 |
| Assets per employee ($millions) | 5.1944% | 3,510 |
| Cash dividends to net income (ytd only)* | 18.8895% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.4894% | 1,485 |
| Net loans and leases to deposits | 87.4385% | 742 |
| Net loans and leases to core deposits | 94.2992% | 818 |
| Total domestic deposits to total assets | 76.0414% | 4,539 |
| Equity capital to assets | 13.6996% | 808 |
| Core capital (leverage) ratio | 15.4353% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,102,750 | 3,548 |
| Average earning assets | $137,823,250 | 3,530 |
| Average equity | $18,755,750 | 3,365 |
| Average total loans | $95,513,250 | 3,298 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0983% | 3,873 |
| Cost of funding earning assets | 0.1901% | 3,853 |
| Net interest margin | 2.9083% | 3,559 |
| Noninterest income to average assets | 1.7146% | 424 |
| Noninterest expense to average assets | 2.5219% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9188% | 565 |
| Return on assets (ROA) | 1.9188% | 594 |
| Pretax return on assets | 1.9188% | 979 |
| Return on Equity (ROE) | 15.4452% | 1,058 |
| Retained earnings to average equity (ytd only) | 10.4475% | 1,270 |
| Net charge-offs to loans | -0.0021% | 3,211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7901% | 3,435 |
| Assets per employee ($millions) | 5.1737% | 3,485 |
| Cash dividends to net income (ytd only)* | 32.3571% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9587% | 660 |
| Loan loss allowance to noncurrent loans | 102,650.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,336 |
| Noncurrent loans to loans | 0.0019% | 4,260 |
| Net loans and leases to total assets | 68.4920% | 1,385 |
| Net loans and leases to deposits | 84.8721% | 997 |
| Net loans and leases to core deposits | 95.9308% | 810 |
| Total domestic deposits to total assets | 80.7002% | 4,126 |
| Equity capital to assets | 12.3102% | 1,213 |
| Core capital (leverage) ratio | 12.1048% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,924,000 | 3,563 |
| Average earning assets | $136,782,667 | 3,552 |
| Average equity | $18,128,667 | 3,416 |
| Average total loans | $93,280,333 | 3,350 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0216% | 4,031 |
| Cost of funding earning assets | 0.2080% | 3,844 |
| Net interest margin | 2.8136% | 3,726 |
| Noninterest income to average assets | 1.5542% | 573 |
| Noninterest expense to average assets | 2.1186% | 3,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0686% | 523 |
| Return on assets (ROA) | 2.0686% | 560 |
| Pretax return on assets | 2.0686% | 848 |
| Return on Equity (ROE) | 16.5720% | 917 |
| Retained earnings to average equity (ytd only) | 16.5720% | 460 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5976% | 4,141 |
| Assets per employee ($millions) | 4.9982% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3787% | 317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 58.1268% | 2,786 |
| Net loans and leases to deposits | 66.8393% | 2,828 |
| Net loans and leases to core deposits | 73.4129% | 2,568 |
| Total domestic deposits to total assets | 86.9649% | 2,322 |
| Equity capital to assets | 12.6315% | 1,022 |
| Core capital (leverage) ratio | 12.7261% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,867,000 | 3,593 |
| Average earning assets | $134,632,500 | 3,578 |
| Average equity | $17,958,000 | 3,424 |
| Average total loans | $87,512,000 | 3,447 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 2,295 |
| Cost of funding earning assets | 0.3890% | 3,654 |
| Net interest margin | 3.7568% | 1,624 |
| Noninterest income to average assets | 0.8957% | 1,279 |
| Noninterest expense to average assets | 2.6863% | 2,280 |
| Loan and lease loss provision to assets | 0.0545% | 3,690 |
| Net operating income to assets | 1.6555% | 564 |
| Return on assets (ROA) | 1.6555% | 607 |
| Pretax return on assets | 1.6555% | 942 |
| Return on Equity (ROE) | 12.7401% | 1,109 |
| Retained earnings to average equity (ytd only) | 2.2584% | 3,726 |
| Net charge-offs to loans | 0.0247% | 2,548 |
| Credit loss provision to net charge-offs | 326.0870% | 1,654 |
| Earnings coverage of net charge-offs (x) | 102.3478% | 773 |
| Efficiency ratio | 61.1038% | 3,290 |
| Assets per employee ($millions) | 4.9237% | 3,479 |
| Cash dividends to net income (ytd only)* | 82.2729% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3129% | 344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 60.6960% | 2,772 |
| Net loans and leases to deposits | 69.6230% | 2,924 |
| Net loans and leases to core deposits | 74.7076% | 2,847 |
| Total domestic deposits to total assets | 87.1781% | 1,854 |
| Equity capital to assets | 12.3310% | 1,403 |
| Core capital (leverage) ratio | 12.0970% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1882% | 1,025 |
| Memoranda: | ||
| Average total assets | $137,659,200 | 3,542 |
| Average earning assets | $128,274,600 | 3,528 |
| Average equity | $17,888,400 | 3,376 |
| Average total loans | $93,224,800 | 3,356 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 2,405 |
| Cost of funding earning assets | 0.4367% | 3,601 |
| Net interest margin | 3.7617% | 1,729 |
| Noninterest income to average assets | 0.7939% | 1,519 |
| Noninterest expense to average assets | 2.3200% | 3,368 |
| Loan and lease loss provision to assets | 0.0733% | 3,410 |
| Net operating income to assets | 1.9035% | 371 |
| Return on assets (ROA) | 1.9035% | 404 |
| Pretax return on assets | 1.9035% | 627 |
| Return on Equity (ROE) | 14.4550% | 804 |
| Retained earnings to average equity (ytd only) | 9.6589% | 837 |
| Net charge-offs to loans | 0.0509% | 1,881 |
| Credit loss provision to net charge-offs | 208.3333% | 2,079 |
| Earnings coverage of net charge-offs (x) | 56.1667% | 1,129 |
| Efficiency ratio | 53.9932% | 4,149 |
| Assets per employee ($millions) | 5.0557% | 3,173 |
| Cash dividends to net income (ytd only)* | 33.1793% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 654 |
| Loan loss allowance to noncurrent loans | 8,156.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,396 |
| Noncurrent loans to loans | 0.0227% | 4,319 |
| Net loans and leases to total assets | 73.8587% | 1,386 |
| Net loans and leases to deposits | 101.5311% | 469 |
| Net loans and leases to core deposits | 108.9954% | 732 |
| Total domestic deposits to total assets | 72.7449% | 4,655 |
| Equity capital to assets | 12.6658% | 1,346 |
| Core capital (leverage) ratio | 13.5323% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,377,250 | 3,550 |
| Average earning assets | $126,995,500 | 3,526 |
| Average equity | $17,958,750 | 3,374 |
| Average total loans | $94,351,500 | 3,341 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 2,974 |
| Cost of funding earning assets | 0.4940% | 3,574 |
| Net interest margin | 3.6352% | 2,361 |
| Noninterest income to average assets | 0.9266% | 1,106 |
| Noninterest expense to average assets | 2.3585% | 3,376 |
| Loan and lease loss provision to assets | 0.1128% | 2,885 |
| Net operating income to assets | 1.8531% | 450 |
| Return on assets (ROA) | 1.8531% | 493 |
| Pretax return on assets | 1.8531% | 733 |
| Return on Equity (ROE) | 13.8778% | 909 |
| Retained earnings to average equity (ytd only) | 10.2056% | 755 |
| Net charge-offs to loans | 0.0719% | 1,528 |
| Credit loss provision to net charge-offs | 234.3750% | 1,796 |
| Earnings coverage of net charge-offs (x) | 40.8438% | 1,234 |
| Efficiency ratio | 54.5391% | 4,109 |
| Assets per employee ($millions) | 4.7116% | 3,516 |
| Cash dividends to net income (ytd only)* | 26.4610% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1254% | 363 |
| Loan loss allowance to noncurrent loans | 2,689.4737% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 4,249 |
| Noncurrent loans to loans | 0.0790% | 4,140 |
| Net loans and leases to total assets | 68.8886% | 2,203 |
| Net loans and leases to deposits | 79.7495% | 2,454 |
| Net loans and leases to core deposits | 88.9399% | 2,164 |
| Total domestic deposits to total assets | 86.3812% | 1,853 |
| Equity capital to assets | 13.3421% | 1,021 |
| Core capital (leverage) ratio | 12.7642% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,964,667 | 3,560 |
| Average earning assets | $124,285,667 | 3,545 |
| Average equity | $17,755,000 | 3,390 |
| Average total loans | $89,026,333 | 3,434 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 2,982 |
| Cost of funding earning assets | 0.5437% | 3,725 |
| Net interest margin | 3.7371% | 2,189 |
| Noninterest income to average assets | 0.8724% | 1,125 |
| Noninterest expense to average assets | 2.4647% | 3,377 |
| Loan and lease loss provision to assets | 0.1525% | 1,872 |
| Net operating income to assets | 1.7357% | 472 |
| Return on assets (ROA) | 1.7357% | 524 |
| Pretax return on assets | 1.7357% | 805 |
| Return on Equity (ROE) | 12.9927% | 884 |
| Retained earnings to average equity (ytd only) | 12.9927% | 323 |
| Net charge-offs to loans | 0.0655% | 1,365 |
| Credit loss provision to net charge-offs | 357.1429% | 1,070 |
| Earnings coverage of net charge-offs (x) | 44.2143% | 977 |
| Efficiency ratio | 56.6223% | 4,147 |
| Assets per employee ($millions) | 4.4774% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5283% | 234 |
| Loan loss allowance to noncurrent loans | 1,348.3444% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 4,043 |
| Noncurrent loans to loans | 0.1875% | 3,801 |
| Net loans and leases to total assets | 60.4513% | 3,448 |
| Net loans and leases to deposits | 70.3034% | 3,565 |
| Net loans and leases to core deposits | 75.8577% | 3,503 |
| Total domestic deposits to total assets | 85.9864% | 2,008 |
| Equity capital to assets | 13.7787% | 1,130 |
| Core capital (leverage) ratio | 16.1108% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9136% | 996 |
| Memoranda: | ||
| Average total assets | $131,129,500 | 3,572 |
| Average earning assets | $122,125,500 | 3,547 |
| Average equity | $17,517,500 | 3,418 |
| Average total loans | $85,454,500 | 3,492 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 2,103 |
| Cost of funding earning assets | 0.6482% | 3,421 |
| Net interest margin | 4.1321% | 1,471 |
| Noninterest income to average assets | 0.6462% | 2,021 |
| Noninterest expense to average assets | 2.4801% | 3,503 |
| Loan and lease loss provision to assets | 0.1901% | 1,077 |
| Net operating income to assets | 1.7641% | 576 |
| Return on assets (ROA) | 1.7641% | 609 |
| Pretax return on assets | 1.7641% | 1,036 |
| Return on Equity (ROE) | 12.9703% | 1,176 |
| Retained earnings to average equity (ytd only) | 0.0057% | 4,694 |
| Net charge-offs to loans | 0.0327% | 2,732 |
| Credit loss provision to net charge-offs | 816.6667% | 404 |
| Earnings coverage of net charge-offs (x) | 83.9667% | 766 |
| Efficiency ratio | 55.9307% | 4,210 |
| Assets per employee ($millions) | 4.5660% | 3,128 |
| Cash dividends to net income (ytd only)* | 99.9560% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2129% | 325 |
| Loan loss allowance to noncurrent loans | 100,000.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,687 |
| Noncurrent loans to loans | 0.0022% | 4,598 |
| Net loans and leases to total assets | 66.7452% | 2,869 |
| Net loans and leases to deposits | 76.9331% | 3,094 |
| Net loans and leases to core deposits | 81.5208% | 3,176 |
| Total domestic deposits to total assets | 86.7574% | 1,727 |
| Equity capital to assets | 12.9473% | 1,558 |
| Core capital (leverage) ratio | 13.2540% | 1,133 |
| Tier 1 risk-based capital ratio | 16.1742% | 2,340 |
| Total risk-based capital ratio | 17.4322% | 2,285 |
| Memoranda: | ||
| Average total assets | $128,907,800 | 3,579 |
| Average earning assets | $118,172,000 | 3,586 |
| Average equity | $17,532,400 | 3,388 |
| Average total loans | $91,615,000 | 3,364 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 2,470 |
| Cost of funding earning assets | 0.6428% | 3,491 |
| Net interest margin | 4.0404% | 1,802 |
| Noninterest income to average assets | 0.4717% | 2,893 |
| Noninterest expense to average assets | 2.4670% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6964% | 750 |
| Return on assets (ROA) | 1.6964% | 790 |
| Pretax return on assets | 1.6964% | 1,341 |
| Return on Equity (ROE) | 12.3200% | 1,507 |
| Retained earnings to average equity (ytd only) | 8.5234% | 1,198 |
| Net charge-offs to loans | 0.0406% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 58.1824% | 1,072 |
| Efficiency ratio | 59.2546% | 3,774 |
| Assets per employee ($millions) | 4.7295% | 2,876 |
| Cash dividends to net income (ytd only)* | 30.8165% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 849 |
| Loan loss allowance to noncurrent loans | 175,800.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,781 |
| Noncurrent loans to loans | 0.0010% | 4,697 |
| Net loans and leases to total assets | 74.8248% | 1,678 |
| Net loans and leases to deposits | 104.2248% | 399 |
| Net loans and leases to core deposits | 110.8069% | 909 |
| Total domestic deposits to total assets | 71.7918% | 4,931 |
| Equity capital to assets | 13.3309% | 1,449 |
| Core capital (leverage) ratio | 14.3595% | 891 |
| Tier 1 risk-based capital ratio | 15.2997% | 2,716 |
| Total risk-based capital ratio | 16.5529% | 2,645 |
| Memoranda: | ||
| Average total assets | $128,031,250 | 3,629 |
| Average earning assets | $116,983,000 | 3,635 |
| Average equity | $17,629,500 | 3,396 |
| Average total loans | $91,923,750 | 3,401 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 3,384 |
| Cost of funding earning assets | 0.5453% | 3,907 |
| Net interest margin | 3.8363% | 2,452 |
| Noninterest income to average assets | 0.4720% | 2,826 |
| Noninterest expense to average assets | 2.5026% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4801% | 1,203 |
| Return on assets (ROA) | 1.4801% | 1,253 |
| Pretax return on assets | 1.4817% | 1,915 |
| Return on Equity (ROE) | 10.6253% | 2,124 |
| Retained earnings to average equity (ytd only) | 7.4090% | 1,642 |
| Net charge-offs to loans | 0.0775% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 27.2353% | 1,549 |
| Efficiency ratio | 62.8112% | 3,318 |
| Assets per employee ($millions) | 4.3416% | 3,383 |
| Cash dividends to net income (ytd only)* | 30.2703% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 635 |
| Loan loss allowance to noncurrent loans | 87,550.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,819 |
| Noncurrent loans to loans | 0.0021% | 4,730 |
| Net loans and leases to total assets | 74.2651% | 1,842 |
| Net loans and leases to deposits | 89.2930% | 1,825 |
| Net loans and leases to core deposits | 97.5280% | 1,925 |
| Total domestic deposits to total assets | 83.1701% | 3,152 |
| Equity capital to assets | 14.1319% | 1,077 |
| Core capital (leverage) ratio | 14.4685% | 832 |
| Tier 1 risk-based capital ratio | 15.9506% | 2,437 |
| Total risk-based capital ratio | 17.2047% | 2,379 |
| Memoranda: | ||
| Average total assets | $124,990,000 | 3,690 |
| Average earning assets | $114,432,330 | 3,697 |
| Average equity | $17,411,330 | 3,425 |
| Average total loans | $87,770,330 | 3,509 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 4,128 |
| Cost of funding earning assets | 0.4917% | 4,096 |
| Net interest margin | 3.6068% | 3,231 |
| Noninterest income to average assets | 0.5814% | 2,136 |
| Noninterest expense to average assets | 2.5953% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2848% | 1,757 |
| Return on assets (ROA) | 1.2848% | 1,798 |
| Pretax return on assets | 1.2848% | 2,511 |
| Return on Equity (ROE) | 9.2913% | 2,675 |
| Retained earnings to average equity (ytd only) | 9.2913% | 1,228 |
| Net charge-offs to loans | 0.0904% | 1,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 21.0526% | 1,536 |
| Efficiency ratio | 66.8874% | 2,813 |
| Assets per employee ($millions) | 4.3345% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2739% | 314 |
| Loan loss allowance to noncurrent loans | 11,773.3333% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,813 |
| Noncurrent loans to loans | 0.0193% | 4,695 |
| Net loans and leases to total assets | 60.3811% | 3,668 |
| Net loans and leases to deposits | 70.3465% | 3,746 |
| Net loans and leases to core deposits | 75.4989% | 3,691 |
| Total domestic deposits to total assets | 85.8337% | 2,345 |
| Equity capital to assets | 13.8974% | 1,079 |
| Core capital (leverage) ratio | 14.5165% | 812 |
| Tier 1 risk-based capital ratio | 18.6193% | 1,628 |
| Total risk-based capital ratio | 19.8770% | 1,589 |
| Memoranda: | ||
| Average total assets | $124,531,500 | 3,728 |
| Average earning assets | $113,897,500 | 3,748 |
| Average equity | $17,220,500 | 3,457 |
| Average total loans | $84,027,500 | 3,610 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 2,084 |
| Cost of funding earning assets | 0.4737% | 3,526 |
| Net interest margin | 4.1455% | 1,540 |
| Noninterest income to average assets | 0.6693% | 1,966 |
| Noninterest expense to average assets | 2.4682% | 3,702 |
| Loan and lease loss provision to assets | 0.4610% | 274 |
| Net operating income to assets | 1.4896% | 1,148 |
| Return on assets (ROA) | 1.4896% | 1,135 |
| Pretax return on assets | 1.4896% | 1,814 |
| Return on Equity (ROE) | 10.7570% | 2,182 |
| Retained earnings to average equity (ytd only) | -0.1263% | 5,001 |
| Net charge-offs to loans | 0.4418% | 413 |
| Credit loss provision to net charge-offs | 135.1981% | 1,974 |
| Earnings coverage of net charge-offs (x) | 5.7203% | 3,159 |
| Efficiency ratio | 55.8554% | 4,427 |
| Assets per employee ($millions) | 4.2539% | 3,534 |
| Cash dividends to net income (ytd only)* | 101.1740% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 494 |
| Loan loss allowance to noncurrent loans | 4,151.1628% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,675 |
| Noncurrent loans to loans | 0.0476% | 4,529 |
| Net loans and leases to total assets | 71.8246% | 2,294 |
| Net loans and leases to deposits | 84.3729% | 2,476 |
| Net loans and leases to core deposits | 89.9342% | 2,580 |
| Total domestic deposits to total assets | 85.1276% | 2,595 |
| Equity capital to assets | 13.7578% | 1,045 |
| Core capital (leverage) ratio | 13.4937% | 1,078 |
| Tier 1 risk-based capital ratio | 16.4342% | 2,263 |
| Total risk-based capital ratio | 17.6895% | 2,198 |
| Memoranda: | ||
| Average total assets | $125,802,000 | 3,702 |
| Average earning assets | $113,786,600 | 3,743 |
| Average equity | $17,421,200 | 3,353 |
| Average total loans | $97,112,800 | 3,353 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 2,376 |
| Cost of funding earning assets | 0.4058% | 3,818 |
| Net interest margin | 4.0701% | 1,722 |
| Noninterest income to average assets | 0.5073% | 2,822 |
| Noninterest expense to average assets | 2.4048% | 3,844 |
| Loan and lease loss provision to assets | 0.1898% | 942 |
| Net operating income to assets | 1.6032% | 956 |
| Return on assets (ROA) | 1.6032% | 960 |
| Pretax return on assets | 1.6042% | 1,571 |
| Return on Equity (ROE) | 11.5586% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.7868% | 1,754 |
| Net charge-offs to loans | 0.9690% | 145 |
| Credit loss provision to net charge-offs | 25.0696% | 2,991 |
| Earnings coverage of net charge-offs (x) | 2.3691% | 3,247 |
| Efficiency ratio | 57.2720% | 4,213 |
| Assets per employee ($millions) | 4.8544% | 2,655 |
| Cash dividends to net income (ytd only)* | 32.6317% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 3,842 |
| Loan loss allowance to noncurrent loans | 36,566.6667% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,025 |
| Noncurrent loans to loans | 0.0027% | 4,940 |
| Net loans and leases to total assets | 78.0626% | 1,332 |
| Net loans and leases to deposits | 117.6997% | 131 |
| Net loans and leases to core deposits | 126.1479% | 407 |
| Total domestic deposits to total assets | 66.3236% | 5,318 |
| Equity capital to assets | 12.7889% | 1,427 |
| Core capital (leverage) ratio | 14.4007% | 845 |
| Tier 1 risk-based capital ratio | 14.8340% | 2,954 |
| Total risk-based capital ratio | 15.7309% | 3,053 |
| Memoranda: | ||
| Average total assets | $126,411,750 | 3,722 |
| Average earning assets | $114,655,000 | 3,774 |
| Average equity | $17,533,500 | 3,374 |
| Average total loans | $98,793,500 | 3,346 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2177% | 3,061 |
| Cost of funding earning assets | 0.2271% | 4,877 |
| Net interest margin | 3.9906% | 1,893 |
| Noninterest income to average assets | 0.5410% | 2,625 |
| Noninterest expense to average assets | 2.4880% | 3,659 |
| Loan and lease loss provision to assets | 0.0493% | 2,929 |
| Net operating income to assets | 1.6428% | 816 |
| Return on assets (ROA) | 1.6428% | 822 |
| Pretax return on assets | 1.6444% | 1,361 |
| Return on Equity (ROE) | 11.4982% | 1,909 |
| Retained earnings to average equity (ytd only) | 7.7230% | 1,743 |
| Net charge-offs to loans | 1.5075% | 81 |
| Credit loss provision to net charge-offs | 4.2017% | 2,751 |
| Earnings coverage of net charge-offs (x) | 1.4426% | 3,062 |
| Efficiency ratio | 59.4967% | 4,012 |
| Assets per employee ($millions) | 4.4353% | 3,227 |
| Cash dividends to net income (ytd only)* | 32.8328% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,199 |
| Loan loss allowance to noncurrent loans | 31,700.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,055 |
| Noncurrent loans to loans | 0.0029% | 4,961 |
| Net loans and leases to total assets | 78.6337% | 1,224 |
| Net loans and leases to deposits | 105.8126% | 444 |
| Net loans and leases to core deposits | 115.2013% | 739 |
| Total domestic deposits to total assets | 74.3141% | 5,019 |
| Equity capital to assets | 13.7254% | 1,021 |
| Core capital (leverage) ratio | 14.3815% | 809 |
| Tier 1 risk-based capital ratio | 14.8439% | 2,951 |
| Total risk-based capital ratio | 14.8439% | 3,473 |
| Memoranda: | ||
| Average total assets | $121,623,000 | 3,832 |
| Average earning assets | $110,961,000 | 3,857 |
| Average equity | $17,376,670 | 3,405 |
| Average total loans | $94,727,330 | 3,434 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 3,485 |
| Cost of funding earning assets | 0.1365% | 5,331 |
| Net interest margin | 3.8990% | 2,049 |
| Noninterest income to average assets | 0.5960% | 2,276 |
| Noninterest expense to average assets | 2.5092% | 3,612 |
| Loan and lease loss provision to assets | 0.0508% | 2,759 |
| Net operating income to assets | 1.6153% | 827 |
| Return on assets (ROA) | 1.6153% | 828 |
| Pretax return on assets | 1.6153% | 1,345 |
| Return on Equity (ROE) | 11.0686% | 1,942 |
| Retained earnings to average equity (ytd only) | 11.0686% | 882 |
| Net charge-offs to loans | 0.0088% | 2,418 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 246.0000% | 276 |
| Efficiency ratio | 60.0973% | 4,052 |
| Assets per employee ($millions) | 4.1632% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 660 |
| Loan loss allowance to noncurrent loans | 155.1789% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 1,741 |
| Noncurrent loans to loans | 1.2215% | 1,485 |
| Net loans and leases to total assets | 73.1678% | 2,001 |
| Net loans and leases to deposits | 86.3095% | 2,122 |
| Net loans and leases to core deposits | 92.6693% | 2,244 |
| Total domestic deposits to total assets | 84.7738% | 3,011 |
| Equity capital to assets | 14.9843% | 679 |
| Core capital (leverage) ratio | 14.7350% | 701 |
| Tier 1 risk-based capital ratio | 16.6962% | 2,213 |
| Total risk-based capital ratio | 18.2570% | 2,068 |
| Memoranda: | ||
| Average total assets | $118,123,000 | 3,932 |
| Average earning assets | $108,437,500 | 3,941 |
| Average equity | $17,238,000 | 3,442 |
| Average total loans | $91,045,000 | 3,523 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,560 |
| Cost of funding earning assets | 0.2457% | 4,607 |
| Net interest margin | 3.9898% | 1,777 |
| Noninterest income to average assets | 0.6508% | 2,190 |
| Noninterest expense to average assets | 2.4123% | 4,046 |
| Loan and lease loss provision to assets | 0.2069% | 983 |
| Net operating income to assets | 1.6740% | 559 |
| Return on assets (ROA) | 1.6740% | 573 |
| Pretax return on assets | 1.6748% | 1,082 |
| Return on Equity (ROE) | 12.1776% | 1,162 |
| Retained earnings to average equity (ytd only) | 1.1865% | 4,554 |
| Net charge-offs to loans | 0.0952% | 2,129 |
| Credit loss provision to net charge-offs | 273.6842% | 1,019 |
| Earnings coverage of net charge-offs (x) | 24.8947% | 1,737 |
| Efficiency ratio | 56.1794% | 4,753 |
| Assets per employee ($millions) | 4.2742% | 3,532 |
| Cash dividends to net income (ytd only)* | 90.2567% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 907 |
| Loan loss allowance to noncurrent loans | 4,671.4286% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 5,003 |
| Noncurrent loans to loans | 0.0368% | 4,848 |
| Net loans and leases to total assets | 78.1403% | 1,272 |
| Net loans and leases to deposits | 91.3929% | 1,600 |
| Net loans and leases to core deposits | 97.2150% | 1,921 |
| Total domestic deposits to total assets | 85.4993% | 2,651 |
| Equity capital to assets | 14.2124% | 854 |
| Core capital (leverage) ratio | 14.3979% | 754 |
| Tier 1 risk-based capital ratio | 15.7829% | 2,521 |
| Total risk-based capital ratio | 17.0311% | 2,462 |
| Memoranda: | ||
| Average total assets | $125,686,800 | 3,812 |
| Average earning assets | $114,768,600 | 3,830 |
| Average equity | $17,277,600 | 3,462 |
| Average total loans | $99,777,400 | 3,354 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 2,901 |
| Cost of funding earning assets | 0.2320% | 4,728 |
| Net interest margin | 3.8918% | 2,066 |
| Noninterest income to average assets | 0.4759% | 3,177 |
| Noninterest expense to average assets | 2.2318% | 4,461 |
| Loan and lease loss provision to assets | 0.1572% | 1,313 |
| Net operating income to assets | 1.6385% | 648 |
| Return on assets (ROA) | 1.6385% | 672 |
| Pretax return on assets | 1.6385% | 1,286 |
| Return on Equity (ROE) | 12.0149% | 1,335 |
| Retained earnings to average equity (ytd only) | 7.4410% | 1,465 |
| Net charge-offs to loans | 0.1242% | 1,543 |
| Credit loss provision to net charge-offs | 159.5745% | 1,605 |
| Earnings coverage of net charge-offs (x) | 18.2234% | 2,066 |
| Efficiency ratio | 55.4138% | 4,801 |
| Assets per employee ($millions) | 4.2927% | 3,483 |
| Cash dividends to net income (ytd only)* | 38.0676% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,393 |
| Loan loss allowance to noncurrent loans | 3,391.1111% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 5,076 |
| Noncurrent loans to loans | 0.0381% | 4,949 |
| Net loans and leases to total assets | 82.2948% | 634 |
| Net loans and leases to deposits | 108.4830% | 325 |
| Net loans and leases to core deposits | 131.5898% | 316 |
| Total domestic deposits to total assets | 75.8596% | 5,034 |
| Equity capital to assets | 12.6204% | 1,595 |
| Core capital (leverage) ratio | 14.0795% | 877 |
| Tier 1 risk-based capital ratio | 13.5650% | 3,664 |
| Total risk-based capital ratio | 14.7225% | 3,635 |
| Memoranda: | ||
| Average total assets | $127,189,250 | 3,825 |
| Average earning assets | $116,071,000 | 3,857 |
| Average equity | $17,344,750 | 3,485 |
| Average total loans | $100,934,000 | 3,366 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9735% | 3,306 |
| Cost of funding earning assets | 0.1421% | 5,385 |
| Net interest margin | 3.8314% | 2,169 |
| Noninterest income to average assets | 0.5230% | 2,876 |
| Noninterest expense to average assets | 2.3291% | 4,266 |
| Loan and lease loss provision to assets | 0.1798% | 1,055 |
| Net operating income to assets | 1.4955% | 872 |
| Return on assets (ROA) | 1.4955% | 895 |
| Pretax return on assets | 1.4955% | 1,655 |
| Return on Equity (ROE) | 10.6600% | 1,777 |
| Retained earnings to average equity (ytd only) | 7.0950% | 1,549 |
| Net charge-offs to loans | 0.1828% | 1,087 |
| Credit loss provision to net charge-offs | 126.4368% | 1,715 |
| Earnings coverage of net charge-offs (x) | 11.7816% | 2,243 |
| Efficiency ratio | 58.1633% | 4,567 |
| Assets per employee ($millions) | 4.0074% | 3,944 |
| Cash dividends to net income (ytd only)* | 33.4426% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 1,854 |
| Loan loss allowance to noncurrent loans | 5,335.7143% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 5,191 |
| Noncurrent loans to loans | 0.0267% | 5,057 |
| Net loans and leases to total assets | 78.3157% | 1,198 |
| Net loans and leases to deposits | 112.0019% | 228 |
| Net loans and leases to core deposits | 120.2827% | 549 |
| Total domestic deposits to total assets | 69.9235% | 5,537 |
| Equity capital to assets | 13.1962% | 1,280 |
| Core capital (leverage) ratio | 14.5412% | 734 |
| Tier 1 risk-based capital ratio | 14.4042% | 3,218 |
| Total risk-based capital ratio | 15.6322% | 3,152 |
| Memoranda: | ||
| Average total assets | $122,366,000 | 3,921 |
| Average earning assets | $111,185,330 | 3,961 |
| Average equity | $17,167,000 | 3,513 |
| Average total loans | $95,210,670 | 3,468 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 4,006 |
| Cost of funding earning assets | 0.1005% | 5,647 |
| Net interest margin | 3.6295% | 2,783 |
| Noninterest income to average assets | 0.6336% | 2,249 |
| Noninterest expense to average assets | 2.3981% | 4,115 |
| Loan and lease loss provision to assets | 0.2044% | 804 |
| Net operating income to assets | 1.3523% | 1,110 |
| Return on assets (ROA) | 1.3523% | 1,147 |
| Pretax return on assets | 1.3523% | 2,053 |
| Return on Equity (ROE) | 9.3275% | 2,263 |
| Retained earnings to average equity (ytd only) | 9.3275% | 974 |
| Net charge-offs to loans | 0.4342% | 423 |
| Credit loss provision to net charge-offs | 61.2245% | 1,898 |
| Earnings coverage of net charge-offs (x) | 4.6633% | 2,361 |
| Efficiency ratio | 60.6374% | 4,381 |
| Assets per employee ($millions) | 3.5112% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 1,382 |
| Loan loss allowance to noncurrent loans | 800.0000% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 4,639 |
| Noncurrent loans to loans | 0.1999% | 4,405 |
| Net loans and leases to total assets | 76.0430% | 1,414 |
| Net loans and leases to deposits | 89.6549% | 1,582 |
| Net loans and leases to core deposits | 96.1742% | 1,807 |
| Total domestic deposits to total assets | 84.8175% | 3,160 |
| Equity capital to assets | 14.8736% | 680 |
| Core capital (leverage) ratio | 14.7892% | 648 |
| Tier 1 risk-based capital ratio | 16.8528% | 2,233 |
| Total risk-based capital ratio | 18.1037% | 2,199 |
| Memoranda: | ||
| Average total assets | $117,427,500 | 4,039 |
| Average earning assets | $107,453,000 | 4,056 |
| Average equity | $17,025,000 | 3,546 |
| Average total loans | $90,285,500 | 3,595 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,221 |
| Cost of funding earning assets | 0.1674% | 5,300 |
| Net interest margin | 3.8232% | 2,236 |
| Noninterest income to average assets | 0.6037% | 2,645 |
| Noninterest expense to average assets | 2.2812% | 4,596 |
| Loan and lease loss provision to assets | 0.3910% | 403 |
| Net operating income to assets | 1.4843% | 862 |
| Return on assets (ROA) | 1.4765% | 897 |
| Pretax return on assets | 1.4773% | 1,659 |
| Return on Equity (ROE) | 10.7529% | 1,667 |
| Retained earnings to average equity (ytd only) | -8.2526% | 5,759 |
| Net charge-offs to loans | 0.3447% | 793 |
| Credit loss provision to net charge-offs | 145.7726% | 1,877 |
| Earnings coverage of net charge-offs (x) | 6.9942% | 3,089 |
| Efficiency ratio | 54.8721% | 5,161 |
| Assets per employee ($millions) | 3.6056% | 4,603 |
| Cash dividends to net income (ytd only)* | 176.7479% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 1,336 |
| Loan loss allowance to noncurrent loans | 1,225.0000% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 4,918 |
| Noncurrent loans to loans | 0.1318% | 4,706 |
| Net loans and leases to total assets | 75.2683% | 1,642 |
| Net loans and leases to deposits | 88.0212% | 1,925 |
| Net loans and leases to core deposits | 93.8891% | 2,120 |
| Total domestic deposits to total assets | 85.5116% | 2,826 |
| Equity capital to assets | 14.1329% | 848 |
| Core capital (leverage) ratio | 13.1681% | 1,074 |
| Tier 1 risk-based capital ratio | 16.1115% | 2,499 |
| Total risk-based capital ratio | 17.3621% | 2,442 |
| Memoranda: | ||
| Average total assets | $127,868,800 | 3,866 |
| Average earning assets | $118,854,200 | 3,850 |
| Average equity | $17,558,000 | 3,483 |
| Average total loans | $99,498,400 | 3,394 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9179% | 3,526 |
| Cost of funding earning assets | 0.1724% | 5,324 |
| Net interest margin | 3.7454% | 2,535 |
| Noninterest income to average assets | 0.4315% | 3,682 |
| Noninterest expense to average assets | 2.0744% | 5,058 |
| Loan and lease loss provision to assets | 0.2511% | 751 |
| Net operating income to assets | 1.5999% | 730 |
| Return on assets (ROA) | 1.5896% | 785 |
| Pretax return on assets | 1.5907% | 1,408 |
| Return on Equity (ROE) | 11.6547% | 1,430 |
| Retained earnings to average equity (ytd only) | -3.4641% | 5,675 |
| Net charge-offs to loans | 0.1863% | 1,253 |
| Credit loss provision to net charge-offs | 172.5352% | 1,615 |
| Earnings coverage of net charge-offs (x) | 12.7252% | 2,365 |
| Efficiency ratio | 52.8322% | 5,323 |
| Assets per employee ($millions) | 4.2709% | 3,464 |
| Cash dividends to net income (ytd only)* | 129.7227% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 3,067 |
| Loan loss allowance to noncurrent loans | 193.1787% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 3,377 |
| Noncurrent loans to loans | 0.6365% | 3,106 |
| Net loans and leases to total assets | 80.7011% | 798 |
| Net loans and leases to deposits | 129.6312% | 44 |
| Net loans and leases to core deposits | 139.4175% | 202 |
| Total domestic deposits to total assets | 62.2544% | 5,867 |
| Equity capital to assets | 12.7046% | 1,645 |
| Core capital (leverage) ratio | 14.7416% | 680 |
| Tier 1 risk-based capital ratio | 14.9084% | 3,092 |
| Total risk-based capital ratio | 16.0875% | 3,069 |
| Memoranda: | ||
| Average total assets | $130,089,750 | 3,849 |
| Average earning assets | $121,389,000 | 3,825 |
| Average equity | $17,743,500 | 3,473 |
| Average total loans | $101,616,000 | 3,366 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 4,328 |
| Cost of funding earning assets | 0.1337% | 5,658 |
| Net interest margin | 3.5571% | 3,270 |
| Noninterest income to average assets | 0.4365% | 3,628 |
| Noninterest expense to average assets | 2.1016% | 5,055 |
| Loan and lease loss provision to assets | 0.1898% | 1,146 |
| Net operating income to assets | 1.4691% | 944 |
| Return on assets (ROA) | 1.4691% | 990 |
| Pretax return on assets | 1.4691% | 1,777 |
| Return on Equity (ROE) | 10.5035% | 1,847 |
| Retained earnings to average equity (ytd only) | -9.5312% | 5,873 |
| Net charge-offs to loans | 0.2884% | 828 |
| Credit loss provision to net charge-offs | 85.7143% | 2,302 |
| Earnings coverage of net charge-offs (x) | 7.4929% | 2,621 |
| Efficiency ratio | 55.8873% | 5,157 |
| Assets per employee ($millions) | 4.0792% | 3,771 |
| Cash dividends to net income (ytd only)* | 190.7427% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 3,329 |
| Loan loss allowance to noncurrent loans | 148.6207% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6463% | 3,061 |
| Noncurrent loans to loans | 0.8109% | 2,721 |
| Net loans and leases to total assets | 78.7382% | 1,108 |
| Net loans and leases to deposits | 118.0261% | 120 |
| Net loans and leases to core deposits | 125.4940% | 379 |
| Total domestic deposits to total assets | 66.7125% | 5,872 |
| Equity capital to assets | 13.0367% | 1,480 |
| Core capital (leverage) ratio | 14.0153% | 818 |
| Tier 1 risk-based capital ratio | 14.7817% | 3,164 |
| Total risk-based capital ratio | 15.8738% | 3,182 |
| Memoranda: | ||
| Average total assets | $126,472,670 | 3,936 |
| Average earning assets | $118,186,000 | 3,910 |
| Average equity | $17,689,330 | 3,486 |
| Average total loans | $97,102,330 | 3,459 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5951% | 4,626 |
| Cost of funding earning assets | 0.1118% | 5,858 |
| Net interest margin | 3.4833% | 3,547 |
| Noninterest income to average assets | 0.5098% | 3,054 |
| Noninterest expense to average assets | 2.0392% | 5,247 |
| Loan and lease loss provision to assets | 0.1471% | 1,435 |
| Net operating income to assets | 1.5817% | 728 |
| Return on assets (ROA) | 1.5817% | 766 |
| Pretax return on assets | 1.5817% | 1,344 |
| Return on Equity (ROE) | 10.9012% | 1,628 |
| Retained earnings to average equity (ytd only) | -23.6944% | 5,992 |
| Net charge-offs to loans | 0.6130% | 362 |
| Credit loss provision to net charge-offs | 31.9149% | 2,207 |
| Earnings coverage of net charge-offs (x) | 3.7518% | 2,503 |
| Efficiency ratio | 54.1197% | 5,372 |
| Assets per employee ($millions) | 3.5992% | 4,653 |
| Cash dividends to net income (ytd only)* | 317.3554% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 2,687 |
| Loan loss allowance to noncurrent loans | 457.5188% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 4,665 |
| Noncurrent loans to loans | 0.2939% | 4,378 |
| Net loans and leases to total assets | 75.1878% | 1,520 |
| Net loans and leases to deposits | 91.8546% | 1,366 |
| Net loans and leases to core deposits | 97.4710% | 1,674 |
| Total domestic deposits to total assets | 81.8552% | 4,266 |
| Equity capital to assets | 14.5691% | 817 |
| Core capital (leverage) ratio | 14.5537% | 686 |
| Tier 1 risk-based capital ratio | 17.0886% | 2,257 |
| Total risk-based capital ratio | 18.2912% | 2,233 |
| Memoranda: | ||
| Average total assets | $122,403,000 | 4,034 |
| Average earning assets | $114,490,000 | 4,002 |
| Average equity | $17,759,500 | 3,467 |
| Average total loans | $92,011,500 | 3,574 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 4,747 |
| Cost of funding earning assets | 0.1200% | 5,878 |
| Net interest margin | 3.4506% | 3,716 |
| Noninterest income to average assets | 0.6118% | 2,662 |
| Noninterest expense to average assets | 2.2683% | 4,884 |
| Loan and lease loss provision to assets | 0.0407% | 3,521 |
| Net operating income to assets | 1.5068% | 854 |
| Return on assets (ROA) | 1.5068% | 886 |
| Pretax return on assets | 1.5076% | 1,530 |
| Return on Equity (ROE) | 10.4885% | 1,807 |
| Retained earnings to average equity (ytd only) | 1.9482% | 4,616 |
| Net charge-offs to loans | 0.0730% | 2,786 |
| Credit loss provision to net charge-offs | 80.6452% | 2,936 |
| Earnings coverage of net charge-offs (x) | 30.6935% | 1,434 |
| Efficiency ratio | 59.4330% | 4,982 |
| Assets per employee ($millions) | 3.8192% | 4,256 |
| Cash dividends to net income (ytd only)* | 81.4255% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 2,402 |
| Loan loss allowance to noncurrent loans | 758.9595% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 5,042 |
| Noncurrent loans to loans | 0.1850% | 4,745 |
| Net loans and leases to total assets | 73.1477% | 1,859 |
| Net loans and leases to deposits | 93.6539% | 1,234 |
| Net loans and leases to core deposits | 101.2420% | 1,423 |
| Total domestic deposits to total assets | 78.1043% | 5,145 |
| Equity capital to assets | 14.4524% | 781 |
| Core capital (leverage) ratio | 14.9718% | 625 |
| Tier 1 risk-based capital ratio | 17.4500% | 2,141 |
| Total risk-based capital ratio | 18.6998% | 2,095 |
| Memoranda: | ||
| Average total assets | $122,910,200 | 4,028 |
| Average earning assets | $114,154,600 | 3,998 |
| Average equity | $17,657,400 | 3,433 |
| Average total loans | $84,983,800 | 3,702 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5209% | 4,934 |
| Cost of funding earning assets | 0.1178% | 5,986 |
| Net interest margin | 3.4031% | 3,942 |
| Noninterest income to average assets | 0.4520% | 3,698 |
| Noninterest expense to average assets | 2.2937% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3122% | 1,303 |
| Return on assets (ROA) | 1.3122% | 1,358 |
| Pretax return on assets | 1.3133% | 2,344 |
| Return on Equity (ROE) | 9.1485% | 2,495 |
| Retained earnings to average equity (ytd only) | -2.3290% | 5,888 |
| Net charge-offs to loans | 0.0853% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 22.6997% | 1,768 |
| Efficiency ratio | 63.5896% | 4,319 |
| Assets per employee ($millions) | 3.9790% | 3,912 |
| Cash dividends to net income (ytd only)* | 125.4575% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 3,002 |
| Loan loss allowance to noncurrent loans | 471.1111% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 4,893 |
| Noncurrent loans to loans | 0.2795% | 4,578 |
| Net loans and leases to total assets | 72.6100% | 1,966 |
| Net loans and leases to deposits | 104.8221% | 415 |
| Net loans and leases to core deposits | 115.4234% | 617 |
| Total domestic deposits to total assets | 69.2697% | 5,996 |
| Equity capital to assets | 13.4616% | 1,243 |
| Core capital (leverage) ratio | 15.6081% | 544 |
| Tier 1 risk-based capital ratio | 16.2943% | 2,675 |
| Total risk-based capital ratio | 17.4710% | 2,661 |
| Memoranda: | ||
| Average total assets | $122,129,250 | 4,081 |
| Average earning assets | $113,227,000 | 4,061 |
| Average equity | $17,518,000 | 3,479 |
| Average total loans | $82,853,750 | 3,783 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2932% | 5,451 |
| Cost of funding earning assets | 0.1121% | 6,079 |
| Net interest margin | 3.1811% | 4,713 |
| Noninterest income to average assets | 0.5073% | 3,326 |
| Noninterest expense to average assets | 2.2743% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1859% | 1,646 |
| Return on assets (ROA) | 1.1859% | 1,713 |
| Pretax return on assets | 1.1875% | 2,826 |
| Return on Equity (ROE) | 8.0846% | 3,003 |
| Retained earnings to average equity (ytd only) | -7.4662% | 6,110 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6963% | 4,071 |
| Assets per employee ($millions) | 3.6494% | 4,536 |
| Cash dividends to net income (ytd only)* | 192.3513% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 2,220 |
| Loan loss allowance to noncurrent loans | 367.0360% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 4,618 |
| Noncurrent loans to loans | 0.4134% | 4,239 |
| Net loans and leases to total assets | 71.4099% | 2,086 |
| Net loans and leases to deposits | 90.9580% | 1,489 |
| Net loans and leases to core deposits | 99.7067% | 1,515 |
| Total domestic deposits to total assets | 78.5087% | 5,186 |
| Equity capital to assets | 14.3810% | 852 |
| Core capital (leverage) ratio | 15.7775% | 499 |
| Tier 1 risk-based capital ratio | 17.5476% | 2,202 |
| Total risk-based capital ratio | 18.7994% | 2,157 |
| Memoranda: | ||
| Average total assets | $119,070,000 | 4,174 |
| Average earning assets | $110,591,670 | 4,141 |
| Average equity | $17,465,330 | 3,503 |
| Average total loans | $78,267,000 | 3,938 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1534% | 5,714 |
| Cost of funding earning assets | 0.1096% | 6,163 |
| Net interest margin | 3.0438% | 5,095 |
| Noninterest income to average assets | 0.6014% | 2,642 |
| Noninterest expense to average assets | 2.0948% | 5,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3211% | 1,205 |
| Return on assets (ROA) | 1.3211% | 1,289 |
| Pretax return on assets | 1.3211% | 2,196 |
| Return on Equity (ROE) | 8.9175% | 2,483 |
| Retained earnings to average equity (ytd only) | -17.5842% | 6,249 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3254% | 4,914 |
| Assets per employee ($millions) | 3.4141% | 5,058 |
| Cash dividends to net income (ytd only)* | 297.1867% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9381% | 1,207 |
| Loan loss allowance to noncurrent loans | 895.2703% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 5,429 |
| Noncurrent loans to loans | 0.2165% | 5,003 |
| Net loans and leases to total assets | 59.5033% | 3,727 |
| Net loans and leases to deposits | 70.5476% | 3,689 |
| Net loans and leases to core deposits | 76.8199% | 3,516 |
| Total domestic deposits to total assets | 84.3449% | 3,678 |
| Equity capital to assets | 15.2530% | 668 |
| Core capital (leverage) ratio | 14.5278% | 685 |
| Tier 1 risk-based capital ratio | 21.4599% | 1,335 |
| Total risk-based capital ratio | 22.7761% | 1,290 |
| Memoranda: | ||
| Average total assets | $118,390,000 | 4,216 |
| Average earning assets | $109,469,500 | 4,190 |
| Average equity | $17,538,500 | 3,514 |
| Average total loans | $73,738,500 | 4,087 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 5,772 |
| Cost of funding earning assets | 0.1189% | 6,251 |
| Net interest margin | 3.1309% | 5,127 |
| Noninterest income to average assets | 0.6824% | 2,383 |
| Noninterest expense to average assets | 2.3663% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1799% | 1,645 |
| Return on assets (ROA) | 1.1799% | 1,714 |
| Pretax return on assets | 1.1807% | 2,730 |
| Return on Equity (ROE) | 8.2590% | 2,990 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,761 |
| Net charge-offs to loans | -0.0136% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7128% | 4,107 |
| Assets per employee ($millions) | 3.7610% | 4,423 |
| Cash dividends to net income (ytd only)* | 100.0000% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 1,843 |
| Loan loss allowance to noncurrent loans | 793.4132% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 5,493 |
| Noncurrent loans to loans | 0.2111% | 5,059 |
| Net loans and leases to total assets | 62.6738% | 3,413 |
| Net loans and leases to deposits | 73.6375% | 3,480 |
| Net loans and leases to core deposits | 78.6705% | 3,445 |
| Total domestic deposits to total assets | 85.1113% | 3,242 |
| Equity capital to assets | 14.4158% | 836 |
| Core capital (leverage) ratio | 14.7986% | 647 |
| Tier 1 risk-based capital ratio | 17.5674% | 2,289 |
| Total risk-based capital ratio | 18.8176% | 2,259 |
| Memoranda: | ||
| Average total assets | $122,217,200 | 4,134 |
| Average earning assets | $111,820,400 | 4,137 |
| Average equity | $17,459,800 | 3,461 |
| Average total loans | $73,725,600 | 4,066 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2104% | 5,891 |
| Cost of funding earning assets | 0.1223% | 6,328 |
| Net interest margin | 3.0881% | 5,292 |
| Noninterest income to average assets | 0.4950% | 3,577 |
| Noninterest expense to average assets | 2.2681% | 5,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0470% | 2,244 |
| Return on assets (ROA) | 1.0470% | 2,307 |
| Pretax return on assets | 1.0481% | 3,386 |
| Return on Equity (ROE) | 7.3458% | 3,531 |
| Retained earnings to average equity (ytd only) | -3.7344% | 6,190 |
| Net charge-offs to loans | -0.0221% | 5,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3950% | 3,789 |
| Assets per employee ($millions) | 3.8559% | 4,177 |
| Cash dividends to net income (ytd only)* | 150.8375% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 2,570 |
| Loan loss allowance to noncurrent loans | 4,575.8621% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 6,078 |
| Noncurrent loans to loans | 0.0335% | 5,893 |
| Net loans and leases to total assets | 66.9863% | 2,688 |
| Net loans and leases to deposits | 91.6191% | 1,268 |
| Net loans and leases to core deposits | 99.4145% | 1,421 |
| Total domestic deposits to total assets | 73.1139% | 6,085 |
| Equity capital to assets | 13.6871% | 1,114 |
| Core capital (leverage) ratio | 14.4502% | 740 |
| Tier 1 risk-based capital ratio | 15.7545% | 3,184 |
| Total risk-based capital ratio | 16.9484% | 3,152 |
| Memoranda: | ||
| Average total assets | $121,743,000 | 4,186 |
| Average earning assets | $111,220,000 | 4,188 |
| Average equity | $17,351,750 | 3,491 |
| Average total loans | $72,379,000 | 4,147 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9229% | 6,240 |
| Cost of funding earning assets | 0.1192% | 6,415 |
| Net interest margin | 2.8037% | 5,897 |
| Noninterest income to average assets | 0.5321% | 3,255 |
| Noninterest expense to average assets | 2.2550% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8273% | 3,192 |
| Return on assets (ROA) | 0.8273% | 3,289 |
| Pretax return on assets | 0.8273% | 4,170 |
| Return on Equity (ROE) | 5.7241% | 4,315 |
| Retained earnings to average equity (ytd only) | -9.2554% | 6,404 |
| Net charge-offs to loans | -0.0443% | 5,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1602% | 3,127 |
| Assets per employee ($millions) | 3.5908% | 4,684 |
| Cash dividends to net income (ytd only)* | 261.6935% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 1,912 |
| Loan loss allowance to noncurrent loans | 13,300.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,227 |
| Noncurrent loans to loans | 0.0133% | 6,044 |
| Net loans and leases to total assets | 62.1788% | 3,368 |
| Net loans and leases to deposits | 81.2447% | 2,356 |
| Net loans and leases to core deposits | 88.5098% | 2,256 |
| Total domestic deposits to total assets | 76.5327% | 5,857 |
| Equity capital to assets | 14.4459% | 835 |
| Core capital (leverage) ratio | 14.6207% | 673 |
| Tier 1 risk-based capital ratio | 16.9271% | 2,648 |
| Total risk-based capital ratio | 18.1779% | 2,612 |
| Memoranda: | ||
| Average total assets | $119,909,330 | 4,241 |
| Average earning assets | $109,071,000 | 4,264 |
| Average equity | $17,330,330 | 3,492 |
| Average total loans | $67,651,000 | 4,308 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6797% | 6,477 |
| Cost of funding earning assets | 0.1240% | 6,478 |
| Net interest margin | 2.5557% | 6,281 |
| Noninterest income to average assets | 0.6102% | 2,673 |
| Noninterest expense to average assets | 2.0362% | 5,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8987% | 2,662 |
| Return on assets (ROA) | 0.8987% | 2,722 |
| Pretax return on assets | 0.8987% | 3,698 |
| Return on Equity (ROE) | 6.2168% | 3,901 |
| Retained earnings to average equity (ytd only) | -19.8434% | 6,528 |
| Net charge-offs to loans | -0.0875% | 6,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3785% | 3,938 |
| Assets per employee ($millions) | 3.5418% | 4,843 |
| Cash dividends to net income (ytd only)* | 419.1882% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2363% | 1,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 49.7078% | 4,937 |
| Net loans and leases to deposits | 58.5203% | 4,888 |
| Net loans and leases to core deposits | 62.8192% | 4,804 |
| Total domestic deposits to total assets | 84.9411% | 3,900 |
| Equity capital to assets | 14.5507% | 775 |
| Core capital (leverage) ratio | 14.1576% | 773 |
| Tier 1 risk-based capital ratio | 19.3181% | 1,877 |
| Total risk-based capital ratio | 20.5708% | 1,848 |
| Memoranda: | ||
| Average total assets | $120,615,500 | 4,263 |
| Average earning assets | $109,714,000 | 4,281 |
| Average equity | $17,436,500 | 3,488 |
| Average total loans | $63,971,500 | 4,459 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3096% | 5,992 |
| Cost of funding earning assets | 0.1658% | 6,464 |
| Net interest margin | 3.1438% | 5,185 |
| Noninterest income to average assets | 0.7088% | 2,492 |
| Noninterest expense to average assets | 2.3955% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1916% | 1,604 |
| Return on assets (ROA) | 1.1916% | 1,673 |
| Pretax return on assets | 1.1924% | 2,605 |
| Return on Equity (ROE) | 8.2566% | 2,902 |
| Retained earnings to average equity (ytd only) | 0.9263% | 5,420 |
| Net charge-offs to loans | 0.0085% | 5,283 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 240.8333% | 189 |
| Efficiency ratio | 66.7663% | 4,412 |
| Assets per employee ($millions) | 3.7682% | 4,330 |
| Cash dividends to net income (ytd only)* | 88.7812% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 1,739 |
| Loan loss allowance to noncurrent loans | 900.6849% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 5,979 |
| Noncurrent loans to loans | 0.2131% | 5,542 |
| Net loans and leases to total assets | 54.0410% | 4,579 |
| Net loans and leases to deposits | 63.5353% | 4,555 |
| Net loans and leases to core deposits | 67.8959% | 4,528 |
| Total domestic deposits to total assets | 85.0567% | 3,713 |
| Equity capital to assets | 14.3675% | 810 |
| Core capital (leverage) ratio | 14.5756% | 671 |
| Tier 1 risk-based capital ratio | 18.0354% | 2,240 |
| Total risk-based capital ratio | 19.2869% | 2,205 |
| Memoranda: | ||
| Average total assets | $121,186,000 | 4,253 |
| Average earning assets | $110,981,600 | 4,238 |
| Average equity | $17,489,000 | 3,497 |
| Average total loans | $70,213,800 | 4,262 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3365% | 5,995 |
| Cost of funding earning assets | 0.1809% | 6,496 |
| Net interest margin | 3.1556% | 5,127 |
| Noninterest income to average assets | 0.4851% | 3,901 |
| Noninterest expense to average assets | 2.3068% | 5,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0742% | 2,102 |
| Return on assets (ROA) | 1.0742% | 2,185 |
| Pretax return on assets | 1.0753% | 3,208 |
| Return on Equity (ROE) | 7.4350% | 3,415 |
| Retained earnings to average equity (ytd only) | -2.3915% | 6,301 |
| Net charge-offs to loans | -0.0264% | 6,135 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2056% | 4,059 |
| Assets per employee ($millions) | 3.5618% | 4,733 |
| Cash dividends to net income (ytd only)* | 132.1650% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 2,899 |
| Loan loss allowance to noncurrent loans | 927.0833% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 6,059 |
| Noncurrent loans to loans | 0.1753% | 5,804 |
| Net loans and leases to total assets | 68.7582% | 2,189 |
| Net loans and leases to deposits | 90.5350% | 1,103 |
| Net loans and leases to core deposits | 97.9897% | 1,247 |
| Total domestic deposits to total assets | 75.9465% | 6,176 |
| Equity capital to assets | 14.7808% | 756 |
| Core capital (leverage) ratio | 14.3986% | 761 |
| Tier 1 risk-based capital ratio | 16.5681% | 2,912 |
| Total risk-based capital ratio | 17.8187% | 2,877 |
| Memoranda: | ||
| Average total assets | $120,395,000 | 4,314 |
| Average earning assets | $110,532,500 | 4,291 |
| Average equity | $17,394,750 | 3,547 |
| Average total loans | $70,638,500 | 4,275 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9788% | 6,470 |
| Cost of funding earning assets | 0.1872% | 6,538 |
| Net interest margin | 2.7916% | 6,020 |
| Noninterest income to average assets | 0.5060% | 3,790 |
| Noninterest expense to average assets | 2.2052% | 5,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8801% | 2,903 |
| Return on assets (ROA) | 0.8801% | 3,049 |
| Pretax return on assets | 0.8818% | 3,975 |
| Return on Equity (ROE) | 6.1372% | 4,084 |
| Retained earnings to average equity (ytd only) | -6.9187% | 6,564 |
| Net charge-offs to loans | -0.0389% | 6,172 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4362% | 3,567 |
| Assets per employee ($millions) | 3.4034% | 5,052 |
| Cash dividends to net income (ytd only)* | 212.7341% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 2,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 64.5212% | 2,837 |
| Net loans and leases to deposits | 76.8305% | 2,751 |
| Net loans and leases to core deposits | 82.5455% | 2,749 |
| Total domestic deposits to total assets | 83.9786% | 4,325 |
| Equity capital to assets | 15.3287% | 648 |
| Core capital (leverage) ratio | 14.0833% | 805 |
| Tier 1 risk-based capital ratio | 17.4558% | 2,530 |
| Total risk-based capital ratio | 18.7073% | 2,501 |
| Memoranda: | ||
| Average total assets | $121,347,330 | 4,319 |
| Average earning assets | $112,194,000 | 4,287 |
| Average equity | $17,402,000 | 3,560 |
| Average total loans | $66,800,670 | 4,435 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7308% | 6,720 |
| Cost of funding earning assets | 0.1926% | 6,613 |
| Net interest margin | 2.5382% | 6,456 |
| Noninterest income to average assets | 0.5434% | 3,485 |
| Noninterest expense to average assets | 2.1706% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7182% | 3,602 |
| Return on assets (ROA) | 0.7182% | 3,739 |
| Pretax return on assets | 0.7182% | 4,496 |
| Return on Equity (ROE) | 5.1672% | 4,482 |
| Retained earnings to average equity (ytd only) | -16.9648% | 6,787 |
| Net charge-offs to loans | -0.0885% | 6,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1375% | 3,074 |
| Assets per employee ($millions) | 3.7360% | 4,477 |
| Cash dividends to net income (ytd only)* | 428.3186% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2341% | 1,514 |
| Loan loss allowance to noncurrent loans | 33,400.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 6,635 |
| Noncurrent loans to loans | 0.0067% | 6,491 |
| Net loans and leases to total assets | 47.4219% | 5,289 |
| Net loans and leases to deposits | 55.4186% | 5,306 |
| Net loans and leases to core deposits | 59.2285% | 5,226 |
| Total domestic deposits to total assets | 85.5703% | 3,759 |
| Equity capital to assets | 13.8822% | 1,065 |
| Core capital (leverage) ratio | 13.5159% | 942 |
| Tier 1 risk-based capital ratio | 19.1305% | 2,004 |
| Total risk-based capital ratio | 20.3837% | 1,976 |
| Memoranda: | ||
| Average total assets | $125,865,000 | 4,265 |
| Average earning assets | $116,305,000 | 4,234 |
| Average equity | $17,495,000 | 3,596 |
| Average total loans | $63,301,500 | 4,588 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6406% | 6,146 |
| Cost of funding earning assets | 0.2928% | 6,491 |
| Net interest margin | 3.3478% | 5,078 |
| Noninterest income to average assets | 0.7888% | 2,308 |
| Noninterest expense to average assets | 2.5768% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2213% | 1,530 |
| Return on assets (ROA) | 1.2213% | 1,699 |
| Pretax return on assets | 1.2213% | 2,720 |
| Return on Equity (ROE) | 8.2267% | 2,991 |
| Retained earnings to average equity (ytd only) | 1.0766% | 5,335 |
| Net charge-offs to loans | -0.0135% | 6,509 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8443% | 4,177 |
| Assets per employee ($millions) | 3.8922% | 4,165 |
| Cash dividends to net income (ytd only)* | 86.9139% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9790% | 2,073 |
| Loan loss allowance to noncurrent loans | 33,050.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 6,707 |
| Noncurrent loans to loans | 0.0060% | 6,565 |
| Net loans and leases to total assets | 50.9798% | 5,041 |
| Net loans and leases to deposits | 59.6417% | 5,062 |
| Net loans and leases to core deposits | 63.5691% | 5,007 |
| Total domestic deposits to total assets | 85.4768% | 3,623 |
| Equity capital to assets | 13.9167% | 1,083 |
| Core capital (leverage) ratio | 14.9856% | 572 |
| Tier 1 risk-based capital ratio | 13.9062% | 4,446 |
| Total risk-based capital ratio | 14.9358% | 4,561 |
| Memoranda: | ||
| Average total assets | $117,006,200 | 4,421 |
| Average earning assets | $105,173,800 | 4,466 |
| Average equity | $17,370,200 | 3,563 |
| Average total loans | $66,583,000 | 4,474 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 5,996 |
| Cost of funding earning assets | 0.3176% | 6,527 |
| Net interest margin | 3.4951% | 4,666 |
| Noninterest income to average assets | 0.5373% | 3,692 |
| Noninterest expense to average assets | 2.6059% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0548% | 2,269 |
| Return on assets (ROA) | 1.0548% | 2,483 |
| Pretax return on assets | 1.0548% | 3,519 |
| Return on Equity (ROE) | 6.9820% | 3,830 |
| Retained earnings to average equity (ytd only) | -2.6211% | 6,454 |
| Net charge-offs to loans | -0.0221% | 6,519 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1870% | 3,473 |
| Assets per employee ($millions) | 3.3992% | 5,212 |
| Cash dividends to net income (ytd only)* | 137.5416% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 2,594 |
| Loan loss allowance to noncurrent loans | 132,300.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,822 |
| Noncurrent loans to loans | 0.0014% | 6,692 |
| Net loans and leases to total assets | 61.9930% | 3,378 |
| Net loans and leases to deposits | 74.1467% | 3,259 |
| Net loans and leases to core deposits | 79.6956% | 3,242 |
| Total domestic deposits to total assets | 83.6085% | 4,388 |
| Equity capital to assets | 15.4742% | 709 |
| Core capital (leverage) ratio | 14.8419% | 639 |
| Tier 1 risk-based capital ratio | 15.4604% | 3,564 |
| Total risk-based capital ratio | 16.6406% | 3,554 |
| Memoranda: | ||
| Average total assets | $114,147,000 | 4,533 |
| Average earning assets | $102,006,750 | 4,595 |
| Average equity | $17,244,000 | 3,616 |
| Average total loans | $66,528,250 | 4,527 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3680% | 6,756 |
| Cost of funding earning assets | 0.3169% | 6,659 |
| Net interest margin | 3.0511% | 6,123 |
| Noninterest income to average assets | 0.5766% | 3,404 |
| Noninterest expense to average assets | 2.7159% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6115% | 4,326 |
| Return on assets (ROA) | 0.6115% | 4,574 |
| Pretax return on assets | 0.6115% | 5,095 |
| Return on Equity (ROE) | 4.0800% | 5,227 |
| Retained earnings to average equity (ytd only) | -7.9856% | 6,768 |
| Net charge-offs to loans | -0.0307% | 6,531 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6230% | 1,943 |
| Assets per employee ($millions) | 3.6103% | 4,736 |
| Cash dividends to net income (ytd only)* | 295.7265% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 3,452 |
| Loan loss allowance to noncurrent loans | 6,615.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 6,789 |
| Noncurrent loans to loans | 0.0248% | 6,631 |
| Net loans and leases to total assets | 66.5036% | 2,570 |
| Net loans and leases to deposits | 89.9578% | 1,153 |
| Net loans and leases to core deposits | 98.0145% | 1,270 |
| Total domestic deposits to total assets | 73.9275% | 6,684 |
| Equity capital to assets | 14.2789% | 987 |
| Core capital (leverage) ratio | 15.0922% | 585 |
| Tier 1 risk-based capital ratio | 15.6452% | 3,363 |
| Total risk-based capital ratio | 16.8640% | 3,342 |
| Memoranda: | ||
| Average total assets | $114,804,670 | 4,537 |
| Average earning assets | $103,503,000 | 4,585 |
| Average equity | $17,206,000 | 3,611 |
| Average total loans | $65,083,330 | 4,606 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1926% | 6,947 |
| Cost of funding earning assets | 0.3361% | 6,699 |
| Net interest margin | 2.8565% | 6,544 |
| Noninterest income to average assets | 0.5718% | 3,409 |
| Noninterest expense to average assets | 2.7522% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4155% | 5,193 |
| Return on assets (ROA) | 0.4155% | 5,382 |
| Pretax return on assets | 0.4155% | 5,677 |
| Return on Equity (ROE) | 2.7047% | 5,831 |
| Retained earnings to average equity (ytd only) | -18.7482% | 7,029 |
| Net charge-offs to loans | -0.0698% | 6,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8834% | 1,387 |
| Assets per employee ($millions) | 3.3274% | 5,499 |
| Cash dividends to net income (ytd only)* | 793.1624% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4320% | 1,458 |
| Loan loss allowance to noncurrent loans | 7,776.4706% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 6,879 |
| Noncurrent loans to loans | 0.0313% | 6,688 |
| Net loans and leases to total assets | 48.3011% | 5,514 |
| Net loans and leases to deposits | 57.6546% | 5,425 |
| Net loans and leases to core deposits | 62.5761% | 5,265 |
| Total domestic deposits to total assets | 83.7767% | 4,605 |
| Equity capital to assets | 15.3818% | 684 |
| Core capital (leverage) ratio | 14.7549% | 641 |
| Tier 1 risk-based capital ratio | 15.1704% | 3,643 |
| Total risk-based capital ratio | 16.3600% | 3,640 |
| Memoranda: | ||
| Average total assets | $112,636,500 | 4,633 |
| Average earning assets | $102,362,000 | 4,645 |
| Average equity | $17,303,000 | 3,605 |
| Average total loans | $57,347,000 | 4,924 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 5,875 |
| Cost of funding earning assets | 0.4776% | 6,623 |
| Net interest margin | 3.7852% | 3,901 |
| Noninterest income to average assets | 0.7943% | 2,094 |
| Noninterest expense to average assets | 2.7603% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4577% | 912 |
| Return on assets (ROA) | 1.4577% | 990 |
| Pretax return on assets | 1.4586% | 1,604 |
| Return on Equity (ROE) | 9.4962% | 2,249 |
| Retained earnings to average equity (ytd only) | 4.3101% | 3,115 |
| Net charge-offs to loans | -0.1004% | 7,137 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4271% | 4,879 |
| Assets per employee ($millions) | 3.4990% | 5,015 |
| Cash dividends to net income (ytd only)* | 54.6125% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1745% | 1,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 51.1163% | 5,446 |
| Net loans and leases to deposits | 60.9843% | 5,367 |
| Net loans and leases to core deposits | 66.6565% | 5,191 |
| Total domestic deposits to total assets | 83.8189% | 4,403 |
| Equity capital to assets | 15.3428% | 707 |
| Core capital (leverage) ratio | 15.5448% | 515 |
| Tier 1 risk-based capital ratio | 15.1079% | 3,576 |
| Total risk-based capital ratio | 16.2297% | 3,609 |
| Memoranda: | ||
| Average total assets | $111,544,600 | 4,604 |
| Average earning assets | $100,919,200 | 4,616 |
| Average equity | $17,122,600 | 3,558 |
| Average total loans | $64,757,400 | 4,689 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 5,928 |
| Cost of funding earning assets | 0.4924% | 6,727 |
| Net interest margin | 3.8151% | 3,799 |
| Noninterest income to average assets | 0.6825% | 2,709 |
| Noninterest expense to average assets | 2.7229% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4157% | 1,128 |
| Return on assets (ROA) | 1.4157% | 1,197 |
| Pretax return on assets | 1.4169% | 1,890 |
| Return on Equity (ROE) | 9.2216% | 2,495 |
| Retained earnings to average equity (ytd only) | 2.2465% | 5,005 |
| Net charge-offs to loans | 0.0283% | 5,756 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 83.9116% | 429 |
| Efficiency ratio | 65.7734% | 4,756 |
| Assets per employee ($millions) | 3.5734% | 4,819 |
| Cash dividends to net income (ytd only)* | 75.6390% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 3,909 |
| Loan loss allowance to noncurrent loans | 443.5252% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 6,471 |
| Noncurrent loans to loans | 0.3479% | 6,153 |
| Net loans and leases to total assets | 66.7221% | 2,735 |
| Net loans and leases to deposits | 89.9838% | 1,212 |
| Net loans and leases to core deposits | 101.9039% | 1,099 |
| Total domestic deposits to total assets | 74.1490% | 6,738 |
| Equity capital to assets | 14.6588% | 945 |
| Core capital (leverage) ratio | 15.3832% | 593 |
| Tier 1 risk-based capital ratio | 14.4317% | 4,028 |
| Total risk-based capital ratio | 15.4651% | 4,158 |
| Memoranda: | ||
| Average total assets | $110,563,750 | 4,654 |
| Average earning assets | $100,196,500 | 4,669 |
| Average equity | $16,974,250 | 3,591 |
| Average total loans | $65,863,000 | 4,681 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 6,779 |
| Cost of funding earning assets | 0.5016% | 6,844 |
| Net interest margin | 3.4185% | 5,485 |
| Noninterest income to average assets | 0.6364% | 2,918 |
| Noninterest expense to average assets | 2.7583% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0175% | 2,152 |
| Return on assets (ROA) | 1.0175% | 2,244 |
| Pretax return on assets | 1.0175% | 3,172 |
| Return on Equity (ROE) | 6.5203% | 3,694 |
| Retained earnings to average equity (ytd only) | -1.1618% | 6,082 |
| Net charge-offs to loans | -0.0817% | 7,119 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0524% | 3,530 |
| Assets per employee ($millions) | 3.2562% | 5,510 |
| Cash dividends to net income (ytd only)* | 117.8182% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 3,108 |
| Loan loss allowance to noncurrent loans | 557.8947% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 6,584 |
| Noncurrent loans to loans | 0.3162% | 6,283 |
| Net loans and leases to total assets | 65.9268% | 3,045 |
| Net loans and leases to deposits | 79.2130% | 2,936 |
| Net loans and leases to core deposits | 89.7199% | 2,412 |
| Total domestic deposits to total assets | 83.2272% | 4,657 |
| Equity capital to assets | 15.7528% | 647 |
| Core capital (leverage) ratio | 15.4793% | 586 |
| Tier 1 risk-based capital ratio | 15.4655% | 3,270 |
| Total risk-based capital ratio | 16.6341% | 3,255 |
| Memoranda: | ||
| Average total assets | $108,111,000 | 4,755 |
| Average earning assets | $99,284,000 | 4,723 |
| Average equity | $16,870,330 | 3,598 |
| Average total loans | $61,179,670 | 4,902 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 7,161 |
| Cost of funding earning assets | 0.5261% | 6,879 |
| Net interest margin | 3.0430% | 6,478 |
| Noninterest income to average assets | 0.6861% | 2,650 |
| Noninterest expense to average assets | 2.6891% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7709% | 3,164 |
| Return on assets (ROA) | 0.7709% | 3,236 |
| Pretax return on assets | 0.7709% | 4,013 |
| Return on Equity (ROE) | 4.9638% | 4,428 |
| Retained earnings to average equity (ytd only) | -6.4363% | 6,630 |
| Net charge-offs to loans | -0.0862% | 7,047 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7186% | 2,887 |
| Assets per employee ($millions) | 3.2062% | 5,696 |
| Cash dividends to net income (ytd only)* | 229.6651% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3552% | 1,672 |
| Loan loss allowance to noncurrent loans | 2,377.3585% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 7,039 |
| Noncurrent loans to loans | 0.0991% | 6,794 |
| Net loans and leases to total assets | 49.3729% | 5,923 |
| Net loans and leases to deposits | 59.2846% | 5,794 |
| Net loans and leases to core deposits | 59.2846% | 6,162 |
| Total domestic deposits to total assets | 83.2812% | 4,801 |
| Equity capital to assets | 15.7746% | 611 |
| Core capital (leverage) ratio | 15.1782% | 628 |
| Tier 1 risk-based capital ratio | 15.5701% | 3,124 |
| Total risk-based capital ratio | 16.7475% | 3,113 |
| Memoranda: | ||
| Average total assets | $108,439,500 | 4,779 |
| Average earning assets | $98,849,000 | 4,771 |
| Average equity | $16,842,000 | 3,586 |
| Average total loans | $55,713,000 | 5,187 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 6,314 |
| Cost of funding earning assets | 0.7141% | 6,839 |
| Net interest margin | 3.8151% | 3,888 |
| Noninterest income to average assets | 0.7816% | 2,370 |
| Noninterest expense to average assets | 2.7009% | 4,984 |
| Loan and lease loss provision to assets | 0.0214% | 6,905 |
| Net operating income to assets | 1.5418% | 702 |
| Return on assets (ROA) | 1.5418% | 763 |
| Pretax return on assets | 1.5443% | 1,266 |
| Return on Equity (ROE) | 10.7028% | 1,687 |
| Retained earnings to average equity (ytd only) | -0.5111% | 5,711 |
| Net charge-offs to loans | 0.0153% | 6,671 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 182.9000% | 142 |
| Efficiency ratio | 63.3026% | 5,459 |
| Assets per employee ($millions) | 3.3659% | 5,255 |
| Cash dividends to net income (ytd only)* | 104.7751% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1527% | 1,958 |
| Loan loss allowance to noncurrent loans | 2,544.8980% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 7,125 |
| Noncurrent loans to loans | 0.0846% | 6,921 |
| Net loans and leases to total assets | 51.0290% | 6,042 |
| Net loans and leases to deposits | 60.9355% | 5,960 |
| Net loans and leases to core deposits | 68.0689% | 5,657 |
| Total domestic deposits to total assets | 83.7427% | 4,483 |
| Equity capital to assets | 15.2994% | 718 |
| Core capital (leverage) ratio | 14.3516% | 779 |
| Tier 1 risk-based capital ratio | 15.0433% | 3,221 |
| Total risk-based capital ratio | 16.1512% | 3,263 |
| Memoranda: | ||
| Average total assets | $116,814,000 | 4,559 |
| Average earning assets | $106,707,600 | 4,541 |
| Average equity | $16,827,400 | 3,623 |
| Average total loans | $65,266,800 | 4,858 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 6,738 |
| Cost of funding earning assets | 0.7413% | 6,943 |
| Net interest margin | 3.7038% | 4,380 |
| Noninterest income to average assets | 0.6664% | 3,037 |
| Noninterest expense to average assets | 2.5257% | 5,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5402% | 847 |
| Return on assets (ROA) | 1.5402% | 929 |
| Pretax return on assets | 1.5436% | 1,494 |
| Return on Equity (ROE) | 10.8502% | 1,837 |
| Retained earnings to average equity (ytd only) | -4.1304% | 6,471 |
| Net charge-offs to loans | -0.1808% | 7,611 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0671% | 5,609 |
| Assets per employee ($millions) | 3.5115% | 4,950 |
| Cash dividends to net income (ytd only)* | 138.0670% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 3,266 |
| Loan loss allowance to noncurrent loans | 143.4924% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7957% | 5,506 |
| Noncurrent loans to loans | 1.1618% | 4,925 |
| Net loans and leases to total assets | 67.3438% | 3,366 |
| Net loans and leases to deposits | 90.1642% | 1,706 |
| Net loans and leases to core deposits | 102.5197% | 1,599 |
| Total domestic deposits to total assets | 74.6902% | 6,829 |
| Equity capital to assets | 14.3467% | 1,068 |
| Core capital (leverage) ratio | 13.8391% | 954 |
| Tier 1 risk-based capital ratio | 14.0563% | 3,794 |
| Total risk-based capital ratio | 15.1835% | 3,846 |
| Memoranda: | ||
| Average total assets | $118,248,500 | 4,576 |
| Average earning assets | $108,641,500 | 4,555 |
| Average equity | $16,785,750 | 3,686 |
| Average total loans | $67,101,500 | 4,857 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 7,386 |
| Cost of funding earning assets | 0.7547% | 7,054 |
| Net interest margin | 3.2186% | 6,259 |
| Noninterest income to average assets | 0.7981% | 2,126 |
| Noninterest expense to average assets | 2.5118% | 5,677 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2332% | 1,473 |
| Return on assets (ROA) | 1.2332% | 1,537 |
| Pretax return on assets | 1.2383% | 2,298 |
| Return on Equity (ROE) | 8.7177% | 2,576 |
| Retained earnings to average equity (ytd only) | -4.2282% | 6,467 |
| Net charge-offs to loans | -0.1206% | 7,580 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9803% | 4,769 |
| Assets per employee ($millions) | 3.7513% | 4,345 |
| Cash dividends to net income (ytd only)* | 148.5014% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 2,952 |
| Loan loss allowance to noncurrent loans | 139.1019% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 5,649 |
| Noncurrent loans to loans | 1.2470% | 4,884 |
| Net loans and leases to total assets | 58.1159% | 5,403 |
| Net loans and leases to deposits | 76.2466% | 4,285 |
| Net loans and leases to core deposits | 94.1675% | 2,690 |
| Total domestic deposits to total assets | 76.2210% | 6,643 |
| Equity capital to assets | 13.5701% | 1,319 |
| Core capital (leverage) ratio | 14.3189% | 853 |
| Tier 1 risk-based capital ratio | 13.3049% | 4,204 |
| Total risk-based capital ratio | 14.3191% | 4,337 |
| Memoranda: | ||
| Average total assets | $119,038,000 | 4,594 |
| Average earning assets | $109,179,330 | 4,580 |
| Average equity | $16,839,330 | 3,661 |
| Average total loans | $63,015,000 | 5,056 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 7,638 |
| Cost of funding earning assets | 0.7743% | 7,169 |
| Net interest margin | 2.9290% | 6,969 |
| Noninterest income to average assets | 0.7715% | 2,164 |
| Noninterest expense to average assets | 2.4824% | 5,795 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9635% | 2,319 |
| Return on assets (ROA) | 0.9635% | 2,382 |
| Pretax return on assets | 0.9738% | 3,194 |
| Return on Equity (ROE) | 6.6669% | 3,535 |
| Retained earnings to average equity (ytd only) | -12.1712% | 7,075 |
| Net charge-offs to loans | -0.2210% | 7,692 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8254% | 3,960 |
| Assets per employee ($millions) | 3.3382% | 5,460 |
| Cash dividends to net income (ytd only)* | 282.5623% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3177% | 1,549 |
| Loan loss allowance to noncurrent loans | 134.8986% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 5,555 |
| Noncurrent loans to loans | 1.7181% | 4,167 |
| Net loans and leases to total assets | 45.5964% | 6,861 |
| Net loans and leases to deposits | 53.6593% | 6,938 |
| Net loans and leases to core deposits | 53.6593% | 7,127 |
| Total domestic deposits to total assets | 84.9738% | 3,688 |
| Equity capital to assets | 14.1968% | 1,097 |
| Core capital (leverage) ratio | 14.4266% | 871 |
| Tier 1 risk-based capital ratio | 13.9852% | 3,661 |
| Total risk-based capital ratio | 15.0562% | 3,748 |
| Memoranda: | ||
| Average total assets | $116,660,000 | 4,703 |
| Average earning assets | $106,930,500 | 4,676 |
| Average equity | $16,859,500 | 3,682 |
| Average total loans | $57,915,500 | 5,343 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 6,133 |
| Cost of funding earning assets | 0.9875% | 7,231 |
| Net interest margin | 4.1009% | 2,444 |
| Noninterest income to average assets | 0.8185% | 2,316 |
| Noninterest expense to average assets | 2.7898% | 5,015 |
| Loan and lease loss provision to assets | 0.3484% | 4,715 |
| Net operating income to assets | 1.4776% | 703 |
| Return on assets (ROA) | 1.4776% | 768 |
| Pretax return on assets | 1.4829% | 1,225 |
| Return on Equity (ROE) | 10.0758% | 1,665 |
| Retained earnings to average equity (ytd only) | 1.7430% | 3,869 |
| Net charge-offs to loans | 0.2896% | 4,822 |
| Credit loss provision to net charge-offs | 212.8342% | 1,804 |
| Earnings coverage of net charge-offs (x) | 11.1872% | 1,616 |
| Efficiency ratio | 60.3713% | 6,421 |
| Assets per employee ($millions) | 3.3281% | 5,437 |
| Cash dividends to net income (ytd only)* | 82.7014% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 1,994 |
| Loan loss allowance to noncurrent loans | 416.2162% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 6,818 |
| Noncurrent loans to loans | 0.4829% | 6,290 |
| Net loans and leases to total assets | 51.5624% | 6,475 |
| Net loans and leases to deposits | 61.0920% | 6,552 |
| Net loans and leases to core deposits | 86.0438% | 5,519 |
| Total domestic deposits to total assets | 84.4013% | 3,842 |
| Equity capital to assets | 14.7076% | 973 |
| Core capital (leverage) ratio | 14.7800% | 828 |
| Tier 1 risk-based capital ratio | 14.4190% | 3,253 |
| Total risk-based capital ratio | 15.4628% | 3,322 |
| Memoranda: | ||
| Average total assets | $114,235,800 | 4,715 |
| Average earning assets | $105,928,600 | 4,681 |
| Average equity | $16,753,000 | 3,722 |
| Average total loans | $64,581,600 | 5,082 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 6,673 |
| Cost of funding earning assets | 1.0416% | 7,298 |
| Net interest margin | 3.9357% | 3,095 |
| Noninterest income to average assets | 0.6486% | 3,355 |
| Noninterest expense to average assets | 2.3951% | 6,430 |
| Loan and lease loss provision to assets | 0.3437% | 4,262 |
| Net operating income to assets | 1.5647% | 712 |
| Return on assets (ROA) | 1.5647% | 764 |
| Pretax return on assets | 1.5705% | 1,241 |
| Return on Equity (ROE) | 10.6771% | 1,712 |
| Retained earnings to average equity (ytd only) | -0.4962% | 5,349 |
| Net charge-offs to loans | 0.0775% | 5,904 |
| Credit loss provision to net charge-offs | 771.0526% | 495 |
| Earnings coverage of net charge-offs (x) | 42.9436% | 713 |
| Efficiency ratio | 55.5797% | 7,058 |
| Assets per employee ($millions) | 3.4400% | 5,075 |
| Cash dividends to net income (ytd only)* | 104.6480% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 3,075 |
| Loan loss allowance to noncurrent loans | 281.0573% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 6,531 |
| Noncurrent loans to loans | 0.5622% | 6,188 |
| Net loans and leases to total assets | 66.0105% | 4,431 |
| Net loans and leases to deposits | 92.2306% | 2,200 |
| Net loans and leases to core deposits | 125.9405% | 1,740 |
| Total domestic deposits to total assets | 71.5712% | 7,268 |
| Equity capital to assets | 13.9212% | 1,335 |
| Core capital (leverage) ratio | 14.5670% | 943 |
| Tier 1 risk-based capital ratio | 13.6820% | 3,728 |
| Total risk-based capital ratio | 14.7297% | 3,802 |
| Memoranda: | ||
| Average total assets | $113,673,750 | 4,756 |
| Average earning assets | $105,731,000 | 4,717 |
| Average equity | $16,658,250 | 3,775 |
| Average total loans | $65,403,500 | 5,092 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 6,721 |
| Cost of funding earning assets | 1.1170% | 7,333 |
| Net interest margin | 3.8968% | 3,128 |
| Noninterest income to average assets | 0.7718% | 2,576 |
| Noninterest expense to average assets | 2.4912% | 6,149 |
| Loan and lease loss provision to assets | 0.3374% | 3,918 |
| Net operating income to assets | 1.5489% | 758 |
| Return on assets (ROA) | 1.5489% | 814 |
| Pretax return on assets | 1.5561% | 1,315 |
| Return on Equity (ROE) | 10.3826% | 1,891 |
| Retained earnings to average equity (ytd only) | -3.7656% | 6,091 |
| Net charge-offs to loans | 0.1095% | 5,060 |
| Credit loss provision to net charge-offs | 569.6970% | 819 |
| Earnings coverage of net charge-offs (x) | 31.9697% | 950 |
| Efficiency ratio | 56.8154% | 7,013 |
| Assets per employee ($millions) | 3.2139% | 5,554 |
| Cash dividends to net income (ytd only)* | 136.2688% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 2,175 |
| Loan loss allowance to noncurrent loans | 322.4658% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 6,656 |
| Noncurrent loans to loans | 0.5432% | 6,181 |
| Net loans and leases to total assets | 58.6917% | 5,876 |
| Net loans and leases to deposits | 72.9979% | 5,609 |
| Net loans and leases to core deposits | 98.9271% | 4,607 |
| Total domestic deposits to total assets | 80.4020% | 5,318 |
| Equity capital to assets | 14.6614% | 1,119 |
| Core capital (leverage) ratio | 14.6960% | 974 |
| Tier 1 risk-based capital ratio | 14.4208% | 3,295 |
| Total risk-based capital ratio | 15.4550% | 3,338 |
| Memoranda: | ||
| Average total assets | $111,432,000 | 4,842 |
| Average earning assets | $103,314,330 | 4,809 |
| Average equity | $16,624,000 | 3,788 |
| Average total loans | $60,287,330 | 5,314 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 7,649 |
| Cost of funding earning assets | 1.1798% | 7,339 |
| Net interest margin | 3.3871% | 5,180 |
| Noninterest income to average assets | 1.0027% | 1,476 |
| Noninterest expense to average assets | 2.4489% | 6,029 |
| Loan and lease loss provision to assets | 0.2994% | 3,551 |
| Net operating income to assets | 1.3814% | 1,180 |
| Return on assets (ROA) | 1.3814% | 1,272 |
| Pretax return on assets | 1.3814% | 2,020 |
| Return on Equity (ROE) | 9.1791% | 2,643 |
| Retained earnings to average equity (ytd only) | -9.9940% | 7,109 |
| Net charge-offs to loans | -0.1126% | 7,907 |
| Credit loss provision to net charge-offs | -518.7500% | 6,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3013% | 6,507 |
| Assets per employee ($millions) | 3.1238% | 5,830 |
| Cash dividends to net income (ytd only)* | 208.8773% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 1,296 |
| Loan loss allowance to noncurrent loans | 350.0000% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 6,641 |
| Noncurrent loans to loans | 0.5910% | 5,918 |
| Net loans and leases to total assets | 48.4991% | 6,985 |
| Net loans and leases to deposits | 58.3320% | 7,011 |
| Net loans and leases to core deposits | 81.2494% | 6,291 |
| Total domestic deposits to total assets | 83.1431% | 4,071 |
| Equity capital to assets | 15.0267% | 1,098 |
| Core capital (leverage) ratio | 14.6630% | 1,043 |
| Tier 1 risk-based capital ratio | 14.7857% | 3,163 |
| Total risk-based capital ratio | 15.8012% | 3,213 |
| Memoranda: | ||
| Average total assets | $110,905,000 | 4,882 |
| Average earning assets | $102,387,000 | 4,851 |
| Average equity | $16,690,000 | 3,798 |
| Average total loans | $56,832,500 | 5,508 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9886% | 5,603 |
| Cost of funding earning assets | 1.8148% | 6,965 |
| Net interest margin | 4.1738% | 2,423 |
| Noninterest income to average assets | 0.6837% | 3,224 |
| Noninterest expense to average assets | 2.5777% | 5,728 |
| Loan and lease loss provision to assets | 0.2085% | 4,808 |
| Net operating income to assets | 1.7602% | 594 |
| Return on assets (ROA) | 1.7610% | 571 |
| Pretax return on assets | 1.7628% | 1,016 |
| Return on Equity (ROE) | 12.3727% | 1,491 |
| Retained earnings to average equity (ytd only) | 2.9299% | 3,353 |
| Net charge-offs to loans | 0.3111% | 3,310 |
| Credit loss provision to net charge-offs | 122.4490% | 4,387 |
| Earnings coverage of net charge-offs (x) | 11.5714% | 2,358 |
| Efficiency ratio | 56.6762% | 6,914 |
| Assets per employee ($millions) | 3.2137% | 5,445 |
| Cash dividends to net income (ytd only)* | 76.3197% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 1,864 |
| Loan loss allowance to noncurrent loans | 767.6692% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 7,104 |
| Noncurrent loans to loans | 0.2235% | 6,718 |
| Net loans and leases to total assets | 52.0093% | 6,845 |
| Net loans and leases to deposits | 62.0008% | 6,945 |
| Net loans and leases to core deposits | 86.7706% | 6,079 |
| Total domestic deposits to total assets | 83.8848% | 3,378 |
| Equity capital to assets | 15.0705% | 1,143 |
| Core capital (leverage) ratio | 14.3618% | 1,173 |
| Tier 1 risk-based capital ratio | 14.7522% | 3,169 |
| Total risk-based capital ratio | 15.6528% | 3,258 |
| Memoranda: | ||
| Average total assets | $115,103,400 | 4,638 |
| Average earning assets | $106,570,000 | 4,602 |
| Average equity | $16,382,800 | 3,849 |
| Average total loans | $63,003,200 | 5,144 |