Home > Mediapolis Savings Bank > Performance and Condition Ratios
Mediapolis Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4712% | 2,157 |
| Cost of funding earning assets | 2.1606% | 1,525 |
| Net interest margin | 3.3106% | 2,750 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 2.2754% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0907% | 2,028 |
| Return on assets (ROA) | 1.0907% | 2,034 |
| Pretax return on assets | 1.1346% | 2,408 |
| Return on Equity (ROE) | 12.1100% | 1,720 |
| Retained earnings to average equity (ytd only) | 12.1065% | 778 |
| Net charge-offs to loans | 0.0043% | 2,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 362.0000% | 265 |
| Efficiency ratio | 65.0735% | 2,353 |
| Assets per employee ($millions) | 6.8298% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 2,509 |
| Loan loss allowance to noncurrent loans | 302.6536% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 2,173 |
| Noncurrent loans to loans | 0.3769% | 2,179 |
| Net loans and leases to total assets | 72.3600% | 1,552 |
| Net loans and leases to deposits | 83.3284% | 1,751 |
| Net loans and leases to core deposits | 93.3102% | 1,817 |
| Total domestic deposits to total assets | 86.8400% | 1,988 |
| Equity capital to assets | 9.0470% | 2,900 |
| Core capital (leverage) ratio | 9.0934% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $255,248,000 | 2,709 |
| Average earning assets | $237,899,500 | 2,695 |
| Average equity | $22,996,000 | 2,828 |
| Average total loans | $188,141,500 | 2,491 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2376% | 2,656 |
| Cost of funding earning assets | 2.2397% | 1,644 |
| Net interest margin | 2.9979% | 3,145 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 2.0652% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0177% | 1,993 |
| Return on assets (ROA) | 1.0123% | 2,008 |
| Pretax return on assets | 1.0569% | 2,364 |
| Return on Equity (ROE) | 11.3600% | 1,776 |
| Retained earnings to average equity (ytd only) | 4.5667% | 2,408 |
| Net charge-offs to loans | 0.0326% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 45.5345% | 1,270 |
| Efficiency ratio | 64.1883% | 2,707 |
| Assets per employee ($millions) | 6.9712% | 2,179 |
| Cash dividends to net income (ytd only)* | 59.8172% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 2,350 |
| Loan loss allowance to noncurrent loans | 331.6514% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 2,215 |
| Noncurrent loans to loans | 0.3510% | 2,208 |
| Net loans and leases to total assets | 73.3800% | 1,492 |
| Net loans and leases to deposits | 85.4349% | 1,647 |
| Net loans and leases to core deposits | 94.8684% | 1,783 |
| Total domestic deposits to total assets | 85.8900% | 2,254 |
| Equity capital to assets | 8.9703% | 2,832 |
| Core capital (leverage) ratio | 9.1830% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $248,550,000 | 2,706 |
| Average earning assets | $232,398,200 | 2,694 |
| Average equity | $22,138,600 | 2,823 |
| Average total loans | $178,057,000 | 2,524 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 2,750 |
| Cost of funding earning assets | 2.2505% | 1,634 |
| Net interest margin | 2.9078% | 3,277 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 2.0353% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9558% | 2,195 |
| Return on assets (ROA) | 0.9486% | 2,228 |
| Pretax return on assets | 0.9900% | 2,577 |
| Return on Equity (ROE) | 10.6700% | 2,007 |
| Retained earnings to average equity (ytd only) | 10.4268% | 758 |
| Net charge-offs to loans | 0.0152% | 2,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 92.7500% | 834 |
| Efficiency ratio | 65.2128% | 2,566 |
| Assets per employee ($millions) | 6.7889% | 2,284 |
| Cash dividends to net income (ytd only)* | 2.2676% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,090 |
| Loan loss allowance to noncurrent loans | 183.4580% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 1,453 |
| Noncurrent loans to loans | 0.6674% | 1,467 |
| Net loans and leases to total assets | 70.8800% | 1,745 |
| Net loans and leases to deposits | 86.3848% | 1,599 |
| Net loans and leases to core deposits | 96.0248% | 1,751 |
| Total domestic deposits to total assets | 82.0600% | 3,093 |
| Equity capital to assets | 9.4335% | 2,718 |
| Core capital (leverage) ratio | 9.5098% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $247,947,000 | 2,708 |
| Average earning assets | $231,643,250 | 2,695 |
| Average equity | $22,045,250 | 2,827 |
| Average total loans | $175,991,750 | 2,530 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 2,849 |
| Cost of funding earning assets | 2.2495% | 1,550 |
| Net interest margin | 2.8077% | 3,406 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 2.0141% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8559% | 2,436 |
| Return on assets (ROA) | 0.8450% | 2,491 |
| Pretax return on assets | 0.8806% | 2,801 |
| Return on Equity (ROE) | 9.7000% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.3324% | 1,016 |
| Net charge-offs to loans | 0.0298% | 1,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 42.3462% | 1,221 |
| Efficiency ratio | 67.2986% | 2,404 |
| Assets per employee ($millions) | 6.9980% | 2,076 |
| Cash dividends to net income (ytd only)* | 3.8351% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,090 |
| Loan loss allowance to noncurrent loans | 124.2099% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.7034% | 950 |
| Noncurrent loans to loans | 0.9890% | 946 |
| Net loans and leases to total assets | 70.2500% | 1,876 |
| Net loans and leases to deposits | 85.3979% | 1,711 |
| Net loans and leases to core deposits | 93.7671% | 1,880 |
| Total domestic deposits to total assets | 82.2600% | 3,030 |
| Equity capital to assets | 8.7207% | 2,938 |
| Core capital (leverage) ratio | 9.2514% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $246,865,667 | 2,712 |
| Average earning assets | $230,008,667 | 2,701 |
| Average equity | $21,495,000 | 2,835 |
| Average total loans | $174,569,333 | 2,536 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9117% | 2,962 |
| Cost of funding earning assets | 2.1658% | 1,618 |
| Net interest margin | 2.7459% | 3,471 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 2.0235% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7776% | 2,605 |
| Return on assets (ROA) | 0.7776% | 2,618 |
| Pretax return on assets | 0.8104% | 2,900 |
| Return on Equity (ROE) | 8.9400% | 2,408 |
| Retained earnings to average equity (ytd only) | 8.9380% | 1,337 |
| Net charge-offs to loans | -0.0023% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 69.3241% | 2,229 |
| Assets per employee ($millions) | 7.2812% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 1,890 |
| Loan loss allowance to noncurrent loans | 124.4693% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 848 |
| Noncurrent loans to loans | 1.0219% | 846 |
| Net loans and leases to total assets | 69.8600% | 1,822 |
| Net loans and leases to deposits | 84.8759% | 1,643 |
| Net loans and leases to core deposits | 91.5956% | 1,941 |
| Total domestic deposits to total assets | 82.3000% | 3,130 |
| Equity capital to assets | 8.6867% | 2,898 |
| Core capital (leverage) ratio | 9.3276% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $244,334,000 | 2,735 |
| Average earning assets | $227,540,000 | 2,721 |
| Average equity | $21,257,500 | 2,859 |
| Average total loans | $172,265,500 | 2,555 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 3,247 |
| Cost of funding earning assets | 1.5857% | 1,725 |
| Net interest margin | 2.8323% | 3,603 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 1.9682% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9050% | 2,535 |
| Return on assets (ROA) | 0.9050% | 2,508 |
| Pretax return on assets | 0.9445% | 2,830 |
| Return on Equity (ROE) | 10.7900% | 2,281 |
| Retained earnings to average equity (ytd only) | 3.6337% | 3,079 |
| Net charge-offs to loans | -0.0074% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.5745% | 2,162 |
| Assets per employee ($millions) | 7.0914% | 2,020 |
| Cash dividends to net income (ytd only)* | 66.3148% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 1,701 |
| Loan loss allowance to noncurrent loans | 233.4382% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 1,405 |
| Noncurrent loans to loans | 0.5633% | 1,386 |
| Net loans and leases to total assets | 69.3200% | 1,887 |
| Net loans and leases to deposits | 81.4421% | 1,994 |
| Net loans and leases to core deposits | 88.6500% | 2,143 |
| Total domestic deposits to total assets | 85.1200% | 2,276 |
| Equity capital to assets | 8.7140% | 2,895 |
| Core capital (leverage) ratio | 9.3004% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $240,775,000 | 2,730 |
| Average earning assets | $221,727,000 | 2,729 |
| Average equity | $20,200,000 | 2,837 |
| Average total loans | $162,247,000 | 2,580 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 3,253 |
| Cost of funding earning assets | 1.5243% | 1,544 |
| Net interest margin | 2.7968% | 3,726 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.9715% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8470% | 2,872 |
| Return on assets (ROA) | 0.8470% | 2,855 |
| Pretax return on assets | 0.8858% | 3,136 |
| Return on Equity (ROE) | 10.1900% | 2,590 |
| Retained earnings to average equity (ytd only) | 10.1944% | 1,347 |
| Net charge-offs to loans | -0.0050% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.9996% | 1,905 |
| Assets per employee ($millions) | 7.0566% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 1,730 |
| Loan loss allowance to noncurrent loans | 232.3222% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 1,451 |
| Noncurrent loans to loans | 0.5732% | 1,399 |
| Net loans and leases to total assets | 68.5900% | 1,989 |
| Net loans and leases to deposits | 78.2574% | 2,226 |
| Net loans and leases to core deposits | 84.3612% | 2,307 |
| Total domestic deposits to total assets | 87.6500% | 1,685 |
| Equity capital to assets | 8.3189% | 2,842 |
| Core capital (leverage) ratio | 9.6055% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $240,692,250 | 2,737 |
| Average earning assets | $220,865,250 | 2,749 |
| Average equity | $19,997,500 | 2,846 |
| Average total loans | $160,467,500 | 2,608 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 3,333 |
| Cost of funding earning assets | 1.4671% | 1,307 |
| Net interest margin | 2.7167% | 3,950 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.9797% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7628% | 3,181 |
| Return on assets (ROA) | 0.7628% | 3,197 |
| Pretax return on assets | 0.7993% | 3,398 |
| Return on Equity (ROE) | 9.1900% | 2,930 |
| Retained earnings to average equity (ytd only) | 9.1853% | 1,635 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.2366% | 1,640 |
| Assets per employee ($millions) | 6.7544% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,632 |
| Loan loss allowance to noncurrent loans | 231.4525% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 1,316 |
| Noncurrent loans to loans | 0.5932% | 1,264 |
| Net loans and leases to total assets | 67.3100% | 2,031 |
| Net loans and leases to deposits | 76.6787% | 2,241 |
| Net loans and leases to core deposits | 81.5036% | 2,370 |
| Total domestic deposits to total assets | 87.7800% | 1,680 |
| Equity capital to assets | 8.6246% | 2,760 |
| Core capital (leverage) ratio | 9.4397% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $240,948,333 | 2,744 |
| Average earning assets | $220,564,000 | 2,760 |
| Average equity | $20,010,333 | 2,864 |
| Average total loans | $158,361,000 | 2,617 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 3,405 |
| Cost of funding earning assets | 1.3999% | 1,022 |
| Net interest margin | 2.6243% | 4,183 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.9752% | 3,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5953% | 3,699 |
| Return on assets (ROA) | 0.5953% | 3,667 |
| Pretax return on assets | 0.6299% | 3,794 |
| Return on Equity (ROE) | 7.3100% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.3054% | 2,419 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.8207% | 1,185 |
| Assets per employee ($millions) | 7.1091% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,517 |
| Loan loss allowance to noncurrent loans | 257.8580% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 1,405 |
| Noncurrent loans to loans | 0.5525% | 1,343 |
| Net loans and leases to total assets | 65.3300% | 2,127 |
| Net loans and leases to deposits | 74.6647% | 2,242 |
| Net loans and leases to core deposits | 79.0968% | 2,312 |
| Total domestic deposits to total assets | 87.5000% | 2,090 |
| Equity capital to assets | 8.6705% | 2,763 |
| Core capital (leverage) ratio | 9.6524% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $243,220,000 | 2,765 |
| Average earning assets | $221,163,500 | 2,790 |
| Average equity | $19,821,000 | 2,910 |
| Average total loans | $156,871,000 | 2,647 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 2,963 |
| Cost of funding earning assets | 0.6114% | 857 |
| Net interest margin | 2.9315% | 3,608 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.6830% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1367% | 2,025 |
| Return on assets (ROA) | 1.1367% | 1,972 |
| Pretax return on assets | 1.1999% | 2,435 |
| Return on Equity (ROE) | 12.5300% | 1,960 |
| Retained earnings to average equity (ytd only) | -11.0382% | 4,641 |
| Net charge-offs to loans | -0.3593% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.3783% | 3,281 |
| Assets per employee ($millions) | 9.6862% | 744 |
| Cash dividends to net income (ytd only)* | 188.1146% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 1,507 |
| Loan loss allowance to noncurrent loans | 255.4787% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 1,479 |
| Noncurrent loans to loans | 0.5478% | 1,351 |
| Net loans and leases to total assets | 61.9600% | 2,445 |
| Net loans and leases to deposits | 72.1475% | 2,396 |
| Net loans and leases to core deposits | 77.0858% | 2,345 |
| Total domestic deposits to total assets | 85.8800% | 2,765 |
| Equity capital to assets | 7.6640% | 3,279 |
| Core capital (leverage) ratio | 10.9277% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $205,763,200 | 3,005 |
| Average earning assets | $187,926,000 | 3,014 |
| Average equity | $18,671,600 | 3,066 |
| Average total loans | $137,758,400 | 2,754 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5670% | 2,428 |
| Cost of funding earning assets | 0.5629% | 539 |
| Net interest margin | 3.0041% | 3,205 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.7647% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1394% | 1,934 |
| Return on assets (ROA) | 1.1394% | 1,906 |
| Pretax return on assets | 1.2019% | 2,357 |
| Return on Equity (ROE) | 11.9500% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.1541% | 1,301 |
| Net charge-offs to loans | -0.5117% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.4863% | 3,186 |
| Assets per employee ($millions) | 7.5215% | 1,602 |
| Cash dividends to net income (ytd only)* | 15.0602% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 1,096 |
| Loan loss allowance to noncurrent loans | 97.2513% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 360 |
| Noncurrent loans to loans | 1.6296% | 412 |
| Net loans and leases to total assets | 70.7800% | 1,413 |
| Net loans and leases to deposits | 84.0709% | 1,294 |
| Net loans and leases to core deposits | 88.7549% | 1,375 |
| Total domestic deposits to total assets | 84.1900% | 3,456 |
| Equity capital to assets | 8.7191% | 2,395 |
| Core capital (leverage) ratio | 11.1603% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $194,243,750 | 3,099 |
| Average earning assets | $178,595,000 | 3,100 |
| Average equity | $18,514,250 | 3,111 |
| Average total loans | $132,632,500 | 2,804 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 2,043 |
| Cost of funding earning assets | 0.5534% | 380 |
| Net interest margin | 2.9762% | 2,952 |
| Noninterest income to average assets | 0.2105% | 3,943 |
| Noninterest expense to average assets | 1.8059% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0722% | 1,888 |
| Return on assets (ROA) | 1.0722% | 1,864 |
| Pretax return on assets | 1.1352% | 2,287 |
| Return on Equity (ROE) | 10.9357% | 2,000 |
| Retained earnings to average equity (ytd only) | 9.3569% | 1,186 |
| Net charge-offs to loans | -0.0092% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4035% | 3,125 |
| Assets per employee ($millions) | 7.6507% | 1,513 |
| Cash dividends to net income (ytd only)* | 14.4370% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 2,081 |
| Loan loss allowance to noncurrent loans | 87.2599% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 471 |
| Noncurrent loans to loans | 1.5165% | 488 |
| Net loans and leases to total assets | 64.7051% | 1,833 |
| Net loans and leases to deposits | 72.2270% | 2,007 |
| Net loans and leases to core deposits | 76.6126% | 1,965 |
| Total domestic deposits to total assets | 89.5857% | 1,903 |
| Equity capital to assets | 9.0102% | 2,379 |
| Core capital (leverage) ratio | 10.8800% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,805,333 | 3,130 |
| Average earning assets | $177,811,333 | 3,151 |
| Average equity | $19,002,000 | 3,150 |
| Average total loans | $129,961,667 | 2,842 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 1,647 |
| Cost of funding earning assets | 0.5571% | 351 |
| Net interest margin | 2.9910% | 2,530 |
| Noninterest income to average assets | 0.2238% | 3,820 |
| Noninterest expense to average assets | 1.8175% | 3,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0813% | 1,574 |
| Return on assets (ROA) | 1.0813% | 1,573 |
| Pretax return on assets | 1.1461% | 1,998 |
| Return on Equity (ROE) | 10.5826% | 1,766 |
| Retained earnings to average equity (ytd only) | 7.5122% | 1,730 |
| Net charge-offs to loans | -0.0031% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3267% | 3,347 |
| Assets per employee ($millions) | 7.4531% | 1,713 |
| Cash dividends to net income (ytd only)* | 29.0135% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 2,197 |
| Loan loss allowance to noncurrent loans | 203.6686% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 1,394 |
| Noncurrent loans to loans | 0.6557% | 1,445 |
| Net loans and leases to total assets | 65.6184% | 1,451 |
| Net loans and leases to deposits | 73.7547% | 1,627 |
| Net loans and leases to core deposits | 78.3897% | 1,581 |
| Total domestic deposits to total assets | 88.9685% | 2,099 |
| Equity capital to assets | 9.5546% | 2,240 |
| Core capital (leverage) ratio | 11.0501% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,249,000 | 3,163 |
| Average earning assets | $175,192,000 | 3,183 |
| Average equity | $19,541,500 | 3,183 |
| Average total loans | $129,724,500 | 2,849 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 1,924 |
| Cost of funding earning assets | 0.6733% | 363 |
| Net interest margin | 3.1050% | 2,889 |
| Noninterest income to average assets | 0.5516% | 2,354 |
| Noninterest expense to average assets | 1.7640% | 4,200 |
| Loan and lease loss provision to assets | 0.1075% | 1,176 |
| Net operating income to assets | 1.4491% | 1,137 |
| Return on assets (ROA) | 1.4011% | 1,328 |
| Pretax return on assets | 1.4829% | 1,781 |
| Return on Equity (ROE) | 12.8401% | 1,510 |
| Retained earnings to average equity (ytd only) | 8.2234% | 1,450 |
| Net charge-offs to loans | 0.1335% | 693 |
| Credit loss provision to net charge-offs | 112.9944% | 1,688 |
| Earnings coverage of net charge-offs (x) | 17.2486% | 1,950 |
| Efficiency ratio | 51.7998% | 4,134 |
| Assets per employee ($millions) | 7.5487% | 1,588 |
| Cash dividends to net income (ytd only)* | 35.9555% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 2,284 |
| Loan loss allowance to noncurrent loans | 982.8571% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 3,290 |
| Noncurrent loans to loans | 0.1340% | 3,258 |
| Net loans and leases to total assets | 68.2779% | 1,234 |
| Net loans and leases to deposits | 78.0514% | 1,395 |
| Net loans and leases to core deposits | 83.1641% | 1,380 |
| Total domestic deposits to total assets | 87.4781% | 2,290 |
| Equity capital to assets | 10.8989% | 1,855 |
| Core capital (leverage) ratio | 10.7201% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,992,800 | 3,156 |
| Average earning assets | $170,948,400 | 3,178 |
| Average equity | $20,295,800 | 3,189 |
| Average total loans | $132,538,600 | 2,819 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 1,966 |
| Cost of funding earning assets | 0.6967% | 389 |
| Net interest margin | 3.1276% | 2,972 |
| Noninterest income to average assets | 0.5641% | 2,357 |
| Noninterest expense to average assets | 1.7843% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5547% | 1,130 |
| Return on assets (ROA) | 1.4850% | 1,359 |
| Pretax return on assets | 1.5714% | 1,791 |
| Return on Equity (ROE) | 13.6047% | 1,516 |
| Retained earnings to average equity (ytd only) | 13.3608% | 586 |
| Net charge-offs to loans | 0.1714% | 500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 13.3684% | 1,925 |
| Efficiency ratio | 52.0352% | 4,023 |
| Assets per employee ($millions) | 7.1147% | 1,796 |
| Cash dividends to net income (ytd only)* | 1.7926% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 3,054 |
| Loan loss allowance to noncurrent loans | 179.1080% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 1,654 |
| Noncurrent loans to loans | 0.6616% | 1,659 |
| Net loans and leases to total assets | 68.7968% | 1,222 |
| Net loans and leases to deposits | 79.8010% | 1,310 |
| Net loans and leases to core deposits | 85.3854% | 1,328 |
| Total domestic deposits to total assets | 86.2105% | 2,663 |
| Equity capital to assets | 11.4109% | 1,730 |
| Core capital (leverage) ratio | 11.2202% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,311,750 | 3,200 |
| Average earning assets | $169,753,250 | 3,219 |
| Average equity | $20,227,750 | 3,226 |
| Average total loans | $133,030,250 | 2,849 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 1,872 |
| Cost of funding earning assets | 0.7224% | 411 |
| Net interest margin | 3.1566% | 2,882 |
| Noninterest income to average assets | 0.5641% | 2,355 |
| Noninterest expense to average assets | 1.7646% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5887% | 1,072 |
| Return on assets (ROA) | 1.4842% | 1,396 |
| Pretax return on assets | 1.5694% | 1,821 |
| Return on Equity (ROE) | 13.8053% | 1,477 |
| Retained earnings to average equity (ytd only) | 13.5445% | 628 |
| Net charge-offs to loans | 0.2588% | 343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 8.9483% | 1,857 |
| Efficiency ratio | 51.2371% | 4,121 |
| Assets per employee ($millions) | 7.3607% | 1,552 |
| Cash dividends to net income (ytd only)* | 1.8895% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 3,022 |
| Loan loss allowance to noncurrent loans | 160.4847% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5586% | 1,492 |
| Noncurrent loans to loans | 0.7386% | 1,614 |
| Net loans and leases to total assets | 66.3450% | 1,657 |
| Net loans and leases to deposits | 76.4353% | 1,778 |
| Net loans and leases to core deposits | 81.9229% | 1,731 |
| Total domestic deposits to total assets | 86.7988% | 2,426 |
| Equity capital to assets | 10.7385% | 2,198 |
| Core capital (leverage) ratio | 10.7796% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,422,000 | 3,208 |
| Average earning assets | $169,168,667 | 3,233 |
| Average equity | $19,934,333 | 3,248 |
| Average total loans | $134,444,667 | 2,841 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 1,544 |
| Cost of funding earning assets | 0.7675% | 416 |
| Net interest margin | 3.2627% | 2,503 |
| Noninterest income to average assets | 0.6797% | 1,928 |
| Noninterest expense to average assets | 1.8504% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7055% | 928 |
| Return on assets (ROA) | 1.4931% | 1,413 |
| Pretax return on assets | 1.5786% | 1,785 |
| Return on Equity (ROE) | 13.8795% | 1,459 |
| Retained earnings to average equity (ytd only) | 13.5738% | 804 |
| Net charge-offs to loans | -0.0873% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6603% | 4,132 |
| Assets per employee ($millions) | 6.9130% | 1,853 |
| Cash dividends to net income (ytd only)* | 2.2026% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,711 |
| Loan loss allowance to noncurrent loans | 182.5581% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 1,608 |
| Noncurrent loans to loans | 0.6799% | 1,887 |
| Net loans and leases to total assets | 76.4562% | 595 |
| Net loans and leases to deposits | 88.5547% | 791 |
| Net loans and leases to core deposits | 95.4889% | 903 |
| Total domestic deposits to total assets | 86.3378% | 2,610 |
| Equity capital to assets | 11.0467% | 1,825 |
| Core capital (leverage) ratio | 10.4992% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,444,500 | 3,230 |
| Average earning assets | $166,245,000 | 3,249 |
| Average equity | $19,626,000 | 3,274 |
| Average total loans | $137,421,000 | 2,815 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 1,415 |
| Cost of funding earning assets | 1.1651% | 321 |
| Net interest margin | 3.2934% | 3,081 |
| Noninterest income to average assets | 0.3711% | 3,263 |
| Noninterest expense to average assets | 1.9018% | 4,321 |
| Loan and lease loss provision to assets | 0.3514% | 984 |
| Net operating income to assets | 1.0984% | 1,932 |
| Return on assets (ROA) | 1.0984% | 2,048 |
| Pretax return on assets | 1.1608% | 2,473 |
| Return on Equity (ROE) | 10.5127% | 1,807 |
| Retained earnings to average equity (ytd only) | 5.8090% | 1,893 |
| Net charge-offs to loans | 0.3707% | 470 |
| Credit loss provision to net charge-offs | 122.0532% | 2,617 |
| Earnings coverage of net charge-offs (x) | 5.2529% | 2,879 |
| Efficiency ratio | 55.7070% | 4,020 |
| Assets per employee ($millions) | 7.1212% | 1,495 |
| Cash dividends to net income (ytd only)* | 44.7434% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,682 |
| Loan loss allowance to noncurrent loans | 307.9855% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 2,530 |
| Noncurrent loans to loans | 0.4061% | 2,760 |
| Net loans and leases to total assets | 72.3719% | 1,246 |
| Net loans and leases to deposits | 84.2156% | 1,433 |
| Net loans and leases to core deposits | 91.5224% | 1,420 |
| Total domestic deposits to total assets | 85.9364% | 2,392 |
| Equity capital to assets | 10.4763% | 2,694 |
| Core capital (leverage) ratio | 9.6616% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,722,600 | 3,081 |
| Average earning assets | $168,821,400 | 3,086 |
| Average equity | $19,091,200 | 3,274 |
| Average total loans | $141,879,400 | 2,731 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,488 |
| Cost of funding earning assets | 1.0990% | 544 |
| Net interest margin | 3.4389% | 2,784 |
| Noninterest income to average assets | 0.2680% | 3,864 |
| Noninterest expense to average assets | 1.9167% | 4,298 |
| Loan and lease loss provision to assets | 0.2795% | 1,436 |
| Net operating income to assets | 1.1875% | 1,682 |
| Return on assets (ROA) | 1.1875% | 1,804 |
| Pretax return on assets | 1.2490% | 2,229 |
| Return on Equity (ROE) | 11.3733% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.1209% | 551 |
| Net charge-offs to loans | 0.0325% | 2,174 |
| Credit loss provision to net charge-offs | 1,091.4286% | 787 |
| Earnings coverage of net charge-offs (x) | 59.6571% | 1,103 |
| Efficiency ratio | 55.6311% | 3,968 |
| Assets per employee ($millions) | 7.4026% | 1,274 |
| Cash dividends to net income (ytd only)* | 2.2195% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 1,810 |
| Loan loss allowance to noncurrent loans | 144.0957% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7575% | 1,531 |
| Noncurrent loans to loans | 0.9588% | 1,574 |
| Net loans and leases to total assets | 71.5070% | 1,741 |
| Net loans and leases to deposits | 85.1896% | 1,791 |
| Net loans and leases to core deposits | 94.6528% | 1,580 |
| Total domestic deposits to total assets | 83.9386% | 2,837 |
| Equity capital to assets | 10.3259% | 2,941 |
| Core capital (leverage) ratio | 10.4050% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,115,250 | 3,074 |
| Average earning assets | $168,264,500 | 3,076 |
| Average equity | $19,014,750 | 3,277 |
| Average total loans | $143,425,500 | 2,722 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 1,511 |
| Cost of funding earning assets | 1.1681% | 568 |
| Net interest margin | 3.4922% | 2,812 |
| Noninterest income to average assets | 0.2597% | 3,919 |
| Noninterest expense to average assets | 1.9590% | 4,311 |
| Loan and lease loss provision to assets | 0.3605% | 1,169 |
| Net operating income to assets | 1.1194% | 1,902 |
| Return on assets (ROA) | 1.1194% | 2,022 |
| Pretax return on assets | 1.1799% | 2,428 |
| Return on Equity (ROE) | 10.6790% | 1,749 |
| Retained earnings to average equity (ytd only) | 10.4120% | 708 |
| Net charge-offs to loans | 0.0511% | 1,757 |
| Credit loss provision to net charge-offs | 870.2703% | 865 |
| Earnings coverage of net charge-offs (x) | 37.1892% | 1,298 |
| Efficiency ratio | 55.9821% | 3,947 |
| Assets per employee ($millions) | 7.1895% | 1,337 |
| Cash dividends to net income (ytd only)* | 2.5000% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,114 |
| Loan loss allowance to noncurrent loans | 85.5963% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2304% | 880 |
| Noncurrent loans to loans | 1.4929% | 1,014 |
| Net loans and leases to total assets | 77.1194% | 980 |
| Net loans and leases to deposits | 92.1655% | 1,140 |
| Net loans and leases to core deposits | 103.4949% | 1,035 |
| Total domestic deposits to total assets | 83.6749% | 2,859 |
| Equity capital to assets | 10.3324% | 2,901 |
| Core capital (leverage) ratio | 10.2605% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,664,333 | 3,087 |
| Average earning assets | $165,742,333 | 3,085 |
| Average equity | $18,728,333 | 3,298 |
| Average total loans | $144,715,333 | 2,701 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 1,420 |
| Cost of funding earning assets | 1.2802% | 595 |
| Net interest margin | 3.5194% | 2,916 |
| Noninterest income to average assets | 0.2361% | 4,141 |
| Noninterest expense to average assets | 2.0237% | 4,356 |
| Loan and lease loss provision to assets | 0.4240% | 711 |
| Net operating income to assets | 1.0038% | 2,158 |
| Return on assets (ROA) | 1.0038% | 2,267 |
| Pretax return on assets | 1.0520% | 2,660 |
| Return on Equity (ROE) | 9.5034% | 1,911 |
| Retained earnings to average equity (ytd only) | 8.9610% | 986 |
| Net charge-offs to loans | 0.0361% | 1,691 |
| Credit loss provision to net charge-offs | 1,423.0769% | 459 |
| Earnings coverage of net charge-offs (x) | 49.5385% | 904 |
| Efficiency ratio | 57.8258% | 4,024 |
| Assets per employee ($millions) | 5.8344% | 1,808 |
| Cash dividends to net income (ytd only)* | 5.7078% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,607 |
| Loan loss allowance to noncurrent loans | 59.4842% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.7522% | 541 |
| Noncurrent loans to loans | 2.0365% | 690 |
| Net loans and leases to total assets | 81.6737% | 474 |
| Net loans and leases to deposits | 98.4240% | 666 |
| Net loans and leases to core deposits | 112.4336% | 735 |
| Total domestic deposits to total assets | 82.9815% | 3,121 |
| Equity capital to assets | 10.6843% | 3,157 |
| Core capital (leverage) ratio | 10.5403% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7143% | 2,384 |
| Memoranda: | ||
| Average total assets | $174,533,000 | 3,089 |
| Average earning assets | $161,848,000 | 3,091 |
| Average equity | $18,435,500 | 3,328 |
| Average total loans | $144,061,500 | 2,691 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 2,195 |
| Cost of funding earning assets | 1.4424% | 479 |
| Net interest margin | 3.3063% | 3,975 |
| Noninterest income to average assets | 0.2369% | 4,257 |
| Noninterest expense to average assets | 2.0249% | 4,489 |
| Loan and lease loss provision to assets | 0.1488% | 1,437 |
| Net operating income to assets | 1.0794% | 2,524 |
| Return on assets (ROA) | 1.0588% | 2,715 |
| Pretax return on assets | 1.1119% | 3,128 |
| Return on Equity (ROE) | 10.1189% | 2,245 |
| Retained earnings to average equity (ytd only) | 4.3152% | 2,802 |
| Net charge-offs to loans | 0.4319% | 442 |
| Credit loss provision to net charge-offs | 41.3961% | 3,192 |
| Earnings coverage of net charge-offs (x) | 3.5682% | 3,307 |
| Efficiency ratio | 61.2277% | 3,503 |
| Assets per employee ($millions) | 6.2155% | 1,476 |
| Cash dividends to net income (ytd only)* | 57.3554% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 2,944 |
| Loan loss allowance to noncurrent loans | 86.9159% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.1142% | 1,089 |
| Noncurrent loans to loans | 1.2684% | 1,185 |
| Net loans and leases to total assets | 81.4978% | 616 |
| Net loans and leases to deposits | 97.4429% | 803 |
| Net loans and leases to core deposits | 111.2198% | 789 |
| Total domestic deposits to total assets | 83.6364% | 2,980 |
| Equity capital to assets | 10.4405% | 3,503 |
| Core capital (leverage) ratio | 10.3631% | 3,110 |
| Tier 1 risk-based capital ratio | 12.6223% | 3,996 |
| Total risk-based capital ratio | 13.7242% | 3,963 |
| Memoranda: | ||
| Average total assets | $171,413,200 | 3,100 |
| Average earning assets | $159,182,000 | 3,089 |
| Average equity | $17,936,800 | 3,347 |
| Average total loans | $142,635,000 | 2,695 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 2,199 |
| Cost of funding earning assets | 1.4673% | 457 |
| Net interest margin | 3.3070% | 4,079 |
| Noninterest income to average assets | 0.2038% | 4,499 |
| Noninterest expense to average assets | 2.0449% | 4,463 |
| Loan and lease loss provision to assets | 0.0898% | 2,108 |
| Net operating income to assets | 1.0838% | 2,636 |
| Return on assets (ROA) | 1.0541% | 2,854 |
| Pretax return on assets | 1.1088% | 3,270 |
| Return on Equity (ROE) | 10.0677% | 2,401 |
| Retained earnings to average equity (ytd only) | 8.4718% | 1,215 |
| Net charge-offs to loans | 0.1657% | 1,019 |
| Credit loss provision to net charge-offs | 64.9718% | 2,669 |
| Earnings coverage of net charge-offs (x) | 8.8985% | 2,613 |
| Efficiency ratio | 62.4464% | 3,258 |
| Assets per employee ($millions) | 5.7288% | 1,823 |
| Cash dividends to net income (ytd only)* | 15.8520% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 1,909 |
| Loan loss allowance to noncurrent loans | 99.2084% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 1,088 |
| Noncurrent loans to loans | 1.3246% | 1,161 |
| Net loans and leases to total assets | 82.1457% | 549 |
| Net loans and leases to deposits | 98.7777% | 741 |
| Net loans and leases to core deposits | 114.2846% | 737 |
| Total domestic deposits to total assets | 83.1622% | 3,103 |
| Equity capital to assets | 10.7848% | 3,309 |
| Core capital (leverage) ratio | 10.6162% | 3,002 |
| Tier 1 risk-based capital ratio | 12.9849% | 3,857 |
| Total risk-based capital ratio | 14.2354% | 3,757 |
| Memoranda: | ||
| Average total assets | $170,758,250 | 3,138 |
| Average earning assets | $158,566,750 | 3,126 |
| Average equity | $17,878,500 | 3,376 |
| Average total loans | $142,440,250 | 2,720 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 2,183 |
| Cost of funding earning assets | 1.4622% | 432 |
| Net interest margin | 3.2995% | 4,149 |
| Noninterest income to average assets | 0.1925% | 4,602 |
| Noninterest expense to average assets | 2.0612% | 4,489 |
| Loan and lease loss provision to assets | 0.0998% | 1,875 |
| Net operating income to assets | 1.0447% | 2,745 |
| Return on assets (ROA) | 1.0001% | 2,990 |
| Pretax return on assets | 1.0517% | 3,378 |
| Return on Equity (ROE) | 9.6491% | 2,559 |
| Retained earnings to average equity (ytd only) | 7.2255% | 1,714 |
| Net charge-offs to loans | 0.1139% | 1,283 |
| Credit loss provision to net charge-offs | 104.9383% | 1,901 |
| Earnings coverage of net charge-offs (x) | 12.6049% | 2,145 |
| Efficiency ratio | 63.2337% | 3,248 |
| Assets per employee ($millions) | 5.9063% | 1,611 |
| Cash dividends to net income (ytd only)* | 25.1174% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 1,817 |
| Loan loss allowance to noncurrent loans | 119.1672% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.0235% | 1,361 |
| Noncurrent loans to loans | 1.1313% | 1,440 |
| Net loans and leases to total assets | 83.1343% | 455 |
| Net loans and leases to deposits | 100.3163% | 648 |
| Net loans and leases to core deposits | 117.2101% | 640 |
| Total domestic deposits to total assets | 82.8722% | 3,249 |
| Equity capital to assets | 10.5218% | 3,498 |
| Core capital (leverage) ratio | 10.2451% | 3,343 |
| Tier 1 risk-based capital ratio | 12.6296% | 4,057 |
| Total risk-based capital ratio | 13.8810% | 3,948 |
| Memoranda: | ||
| Average total assets | $170,390,000 | 3,158 |
| Average earning assets | $158,390,000 | 3,146 |
| Average equity | $17,659,670 | 3,396 |
| Average total loans | $142,234,330 | 2,742 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7332% | 2,101 |
| Cost of funding earning assets | 1.3801% | 494 |
| Net interest margin | 3.3531% | 4,027 |
| Noninterest income to average assets | 0.1859% | 4,637 |
| Noninterest expense to average assets | 2.0477% | 4,562 |
| Loan and lease loss provision to assets | 0.0706% | 2,248 |
| Net operating income to assets | 1.1439% | 2,297 |
| Return on assets (ROA) | 1.1439% | 2,345 |
| Pretax return on assets | 1.1957% | 2,822 |
| Return on Equity (ROE) | 11.1222% | 1,902 |
| Retained earnings to average equity (ytd only) | 11.1222% | 777 |
| Net charge-offs to loans | 0.0085% | 2,387 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 179.3333% | 428 |
| Efficiency ratio | 61.7898% | 3,566 |
| Assets per employee ($millions) | 6.0429% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 1,740 |
| Loan loss allowance to noncurrent loans | 167.0059% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 1,783 |
| Noncurrent loans to loans | 0.8287% | 1,984 |
| Net loans and leases to total assets | 82.9255% | 477 |
| Net loans and leases to deposits | 100.8626% | 565 |
| Net loans and leases to core deposits | 117.3887% | 599 |
| Total domestic deposits to total assets | 82.2163% | 3,671 |
| Equity capital to assets | 10.5077% | 3,337 |
| Core capital (leverage) ratio | 10.3928% | 3,172 |
| Tier 1 risk-based capital ratio | 12.5082% | 4,162 |
| Total risk-based capital ratio | 13.7596% | 4,035 |
| Memoranda: | ||
| Average total assets | $169,943,500 | 3,192 |
| Average earning assets | $158,540,500 | 3,181 |
| Average equity | $17,478,500 | 3,423 |
| Average total loans | $141,181,000 | 2,788 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 2,479 |
| Cost of funding earning assets | 1.0320% | 663 |
| Net interest margin | 3.4616% | 3,829 |
| Noninterest income to average assets | 0.2298% | 4,537 |
| Noninterest expense to average assets | 1.9866% | 4,778 |
| Loan and lease loss provision to assets | 0.1447% | 1,483 |
| Net operating income to assets | 1.2316% | 2,039 |
| Return on assets (ROA) | 1.2098% | 2,115 |
| Pretax return on assets | 1.2677% | 2,628 |
| Return on Equity (ROE) | 11.9025% | 1,749 |
| Retained earnings to average equity (ytd only) | 6.5090% | 1,917 |
| Net charge-offs to loans | -0.0289% | 4,800 |
| Credit loss provision to net charge-offs | -615.3846% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0543% | 4,152 |
| Assets per employee ($millions) | 6.3217% | 1,304 |
| Cash dividends to net income (ytd only)* | 45.3141% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 1,693 |
| Loan loss allowance to noncurrent loans | 122.9114% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.0194% | 1,341 |
| Noncurrent loans to loans | 1.1279% | 1,423 |
| Net loans and leases to total assets | 80.9323% | 811 |
| Net loans and leases to deposits | 101.0645% | 665 |
| Net loans and leases to core deposits | 118.3636% | 608 |
| Total domestic deposits to total assets | 80.0799% | 4,088 |
| Equity capital to assets | 10.0640% | 3,615 |
| Core capital (leverage) ratio | 10.3129% | 3,238 |
| Tier 1 risk-based capital ratio | 11.6040% | 4,664 |
| Total risk-based capital ratio | 12.8543% | 4,557 |
| Memoranda: | ||
| Average total assets | $165,807,000 | 3,212 |
| Average earning assets | $152,904,600 | 3,213 |
| Average equity | $16,853,600 | 3,414 |
| Average total loans | $135,099,400 | 2,823 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 2,315 |
| Cost of funding earning assets | 0.9798% | 643 |
| Net interest margin | 3.5173% | 3,636 |
| Noninterest income to average assets | 0.2033% | 4,747 |
| Noninterest expense to average assets | 1.9936% | 4,752 |
| Loan and lease loss provision to assets | 0.1458% | 1,359 |
| Net operating income to assets | 1.2380% | 2,096 |
| Return on assets (ROA) | 1.2257% | 2,140 |
| Pretax return on assets | 1.2848% | 2,680 |
| Return on Equity (ROE) | 12.0273% | 1,781 |
| Retained earnings to average equity (ytd only) | 10.2944% | 826 |
| Net charge-offs to loans | -0.0488% | 4,922 |
| Credit loss provision to net charge-offs | -367.3469% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0014% | 4,121 |
| Assets per employee ($millions) | 6.0683% | 1,443 |
| Cash dividends to net income (ytd only)* | 14.4085% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,639 |
| Loan loss allowance to noncurrent loans | 48.6626% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 2.5024% | 346 |
| Noncurrent loans to loans | 2.9105% | 384 |
| Net loans and leases to total assets | 80.3771% | 960 |
| Net loans and leases to deposits | 104.1241% | 540 |
| Net loans and leases to core deposits | 123.0822% | 487 |
| Total domestic deposits to total assets | 77.1935% | 4,615 |
| Equity capital to assets | 10.5497% | 3,092 |
| Core capital (leverage) ratio | 10.6241% | 2,961 |
| Tier 1 risk-based capital ratio | 12.4664% | 4,214 |
| Total risk-based capital ratio | 13.7170% | 4,106 |
| Memoranda: | ||
| Average total assets | $164,587,000 | 3,251 |
| Average earning assets | $151,323,000 | 3,260 |
| Average equity | $16,772,500 | 3,443 |
| Average total loans | $133,853,500 | 2,857 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 2,138 |
| Cost of funding earning assets | 0.9550% | 571 |
| Net interest margin | 3.5301% | 3,535 |
| Noninterest income to average assets | 0.1941% | 4,854 |
| Noninterest expense to average assets | 1.9923% | 4,811 |
| Loan and lease loss provision to assets | 0.1456% | 1,311 |
| Net operating income to assets | 1.2488% | 1,988 |
| Return on assets (ROA) | 1.2303% | 2,054 |
| Pretax return on assets | 1.2886% | 2,562 |
| Return on Equity (ROE) | 12.2156% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.8783% | 536 |
| Net charge-offs to loans | -0.0030% | 4,009 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8169% | 4,263 |
| Assets per employee ($millions) | 5.7813% | 1,649 |
| Cash dividends to net income (ytd only)* | 2.7613% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,953 |
| Loan loss allowance to noncurrent loans | 42.7443% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.7107% | 298 |
| Noncurrent loans to loans | 3.1554% | 341 |
| Net loans and leases to total assets | 80.6544% | 919 |
| Net loans and leases to deposits | 103.2968% | 571 |
| Net loans and leases to core deposits | 120.8674% | 544 |
| Total domestic deposits to total assets | 78.0803% | 4,578 |
| Equity capital to assets | 10.5284% | 3,085 |
| Core capital (leverage) ratio | 10.3440% | 3,190 |
| Tier 1 risk-based capital ratio | 12.2521% | 4,340 |
| Total risk-based capital ratio | 13.5018% | 4,216 |
| Memoranda: | ||
| Average total assets | $164,834,670 | 3,266 |
| Average earning assets | $151,836,000 | 3,265 |
| Average equity | $16,601,670 | 3,485 |
| Average total loans | $133,943,000 | 2,869 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,492 |
| Cost of funding earning assets | 0.9381% | 492 |
| Net interest margin | 3.3681% | 3,996 |
| Noninterest income to average assets | 0.1996% | 4,831 |
| Noninterest expense to average assets | 1.9938% | 4,859 |
| Loan and lease loss provision to assets | 0.1443% | 1,295 |
| Net operating income to assets | 1.1098% | 2,382 |
| Return on assets (ROA) | 1.0775% | 2,546 |
| Pretax return on assets | 1.1280% | 3,060 |
| Return on Equity (ROE) | 10.9395% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.5488% | 1,004 |
| Net charge-offs to loans | -0.0059% | 4,063 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4227% | 4,012 |
| Assets per employee ($millions) | 6.1506% | 1,400 |
| Cash dividends to net income (ytd only)* | 3.5714% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,287 |
| Loan loss allowance to noncurrent loans | 55.5914% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.9962% | 575 |
| Noncurrent loans to loans | 2.3216% | 616 |
| Net loans and leases to total assets | 79.4444% | 1,014 |
| Net loans and leases to deposits | 102.8541% | 546 |
| Net loans and leases to core deposits | 119.3859% | 603 |
| Total domestic deposits to total assets | 77.2399% | 4,834 |
| Equity capital to assets | 9.9550% | 3,641 |
| Core capital (leverage) ratio | 9.9278% | 3,607 |
| Tier 1 risk-based capital ratio | 11.5932% | 4,808 |
| Total risk-based capital ratio | 12.7927% | 4,734 |
| Memoranda: | ||
| Average total assets | $166,313,500 | 3,292 |
| Average earning assets | $153,082,000 | 3,286 |
| Average equity | $16,381,000 | 3,545 |
| Average total loans | $134,741,500 | 2,875 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1398% | 2,914 |
| Cost of funding earning assets | 0.7645% | 764 |
| Net interest margin | 3.3753% | 3,924 |
| Noninterest income to average assets | 0.2298% | 4,764 |
| Noninterest expense to average assets | 1.9733% | 5,007 |
| Loan and lease loss provision to assets | 0.5304% | 246 |
| Net operating income to assets | 0.8040% | 3,139 |
| Return on assets (ROA) | 0.8040% | 3,182 |
| Pretax return on assets | 0.8459% | 4,107 |
| Return on Equity (ROE) | 7.8900% | 2,845 |
| Retained earnings to average equity (ytd only) | 1.9105% | 4,173 |
| Net charge-offs to loans | 0.2250% | 1,153 |
| Credit loss provision to net charge-offs | 293.8567% | 960 |
| Earnings coverage of net charge-offs (x) | 7.6246% | 3,018 |
| Efficiency ratio | 58.9112% | 4,426 |
| Assets per employee ($millions) | 6.1689% | 1,405 |
| Cash dividends to net income (ytd only)* | 75.7854% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,640 |
| Loan loss allowance to noncurrent loans | 105.9236% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9426% | 1,647 |
| Noncurrent loans to loans | 1.1559% | 1,537 |
| Net loans and leases to total assets | 80.5500% | 888 |
| Net loans and leases to deposits | 106.1760% | 395 |
| Net loans and leases to core deposits | 122.0627% | 524 |
| Total domestic deposits to total assets | 75.8646% | 4,989 |
| Equity capital to assets | 9.7442% | 3,976 |
| Core capital (leverage) ratio | 9.8241% | 3,669 |
| Tier 1 risk-based capital ratio | 11.0158% | 5,138 |
| Total risk-based capital ratio | 12.1438% | 5,095 |
| Memoranda: | ||
| Average total assets | $162,318,800 | 3,322 |
| Average earning assets | $150,031,000 | 3,323 |
| Average equity | $16,540,000 | 3,532 |
| Average total loans | $130,232,400 | 2,911 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 2,593 |
| Cost of funding earning assets | 0.7375% | 813 |
| Net interest margin | 3.4680% | 3,609 |
| Noninterest income to average assets | 0.2133% | 4,943 |
| Noninterest expense to average assets | 1.9389% | 5,072 |
| Loan and lease loss provision to assets | 0.1315% | 1,653 |
| Net operating income to assets | 1.2832% | 1,395 |
| Return on assets (ROA) | 1.2832% | 1,419 |
| Pretax return on assets | 1.3469% | 2,300 |
| Return on Equity (ROE) | 12.4524% | 1,201 |
| Retained earnings to average equity (ytd only) | 9.2430% | 777 |
| Net charge-offs to loans | 0.0041% | 3,588 |
| Credit loss provision to net charge-offs | 3,975.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 447.2683% | 219 |
| Efficiency ratio | 56.7384% | 4,644 |
| Assets per employee ($millions) | 6.0548% | 1,455 |
| Cash dividends to net income (ytd only)* | 25.7732% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 4,289 |
| Loan loss allowance to noncurrent loans | 34.0599% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.2449% | 530 |
| Noncurrent loans to loans | 2.8115% | 487 |
| Net loans and leases to total assets | 79.0836% | 1,114 |
| Net loans and leases to deposits | 102.7703% | 563 |
| Net loans and leases to core deposits | 114.7792% | 794 |
| Total domestic deposits to total assets | 76.9518% | 4,904 |
| Equity capital to assets | 10.5261% | 3,347 |
| Core capital (leverage) ratio | 10.3687% | 3,113 |
| Tier 1 risk-based capital ratio | 11.8564% | 4,725 |
| Total risk-based capital ratio | 12.7244% | 4,869 |
| Memoranda: | ||
| Average total assets | $161,258,500 | 3,360 |
| Average earning assets | $148,975,500 | 3,366 |
| Average equity | $16,617,500 | 3,556 |
| Average total loans | $128,833,750 | 2,954 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,564 |
| Cost of funding earning assets | 0.7155% | 822 |
| Net interest margin | 3.4590% | 3,549 |
| Noninterest income to average assets | 0.2043% | 5,024 |
| Noninterest expense to average assets | 1.9300% | 5,126 |
| Loan and lease loss provision to assets | 0.1333% | 1,560 |
| Net operating income to assets | 1.2821% | 1,350 |
| Return on assets (ROA) | 1.2821% | 1,375 |
| Pretax return on assets | 1.3456% | 2,228 |
| Return on Equity (ROE) | 12.5330% | 1,157 |
| Retained earnings to average equity (ytd only) | 10.0118% | 581 |
| Net charge-offs to loans | -0.0062% | 4,389 |
| Credit loss provision to net charge-offs | -2,675.0000% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6155% | 4,753 |
| Assets per employee ($millions) | 5.9876% | 1,469 |
| Cash dividends to net income (ytd only)* | 20.1166% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 4,512 |
| Loan loss allowance to noncurrent loans | 33.0140% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 2.2596% | 518 |
| Noncurrent loans to loans | 2.8171% | 486 |
| Net loans and leases to total assets | 79.4661% | 1,030 |
| Net loans and leases to deposits | 109.7239% | 266 |
| Net loans and leases to core deposits | 119.1328% | 589 |
| Total domestic deposits to total assets | 72.4237% | 5,425 |
| Equity capital to assets | 10.4612% | 3,392 |
| Core capital (leverage) ratio | 10.1587% | 3,325 |
| Tier 1 risk-based capital ratio | 11.3975% | 5,019 |
| Total risk-based capital ratio | 12.2184% | 5,171 |
| Memoranda: | ||
| Average total assets | $160,518,330 | 3,390 |
| Average earning assets | $148,712,000 | 3,390 |
| Average equity | $16,420,670 | 3,588 |
| Average total loans | $128,266,670 | 2,973 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 2,407 |
| Cost of funding earning assets | 0.6866% | 899 |
| Net interest margin | 3.4786% | 3,362 |
| Noninterest income to average assets | 0.1901% | 5,138 |
| Noninterest expense to average assets | 1.9157% | 5,216 |
| Loan and lease loss provision to assets | 0.1350% | 1,422 |
| Net operating income to assets | 1.3054% | 1,222 |
| Return on assets (ROA) | 1.3054% | 1,256 |
| Pretax return on assets | 1.3705% | 1,986 |
| Return on Equity (ROE) | 12.9088% | 1,018 |
| Retained earnings to average equity (ytd only) | 8.0618% | 1,433 |
| Net charge-offs to loans | -0.0063% | 4,251 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9942% | 4,939 |
| Assets per employee ($millions) | 5.7109% | 1,717 |
| Cash dividends to net income (ytd only)* | 37.5479% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 4,767 |
| Loan loss allowance to noncurrent loans | 45.9665% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.5684% | 997 |
| Noncurrent loans to loans | 1.9510% | 921 |
| Net loans and leases to total assets | 79.5430% | 895 |
| Net loans and leases to deposits | 103.3778% | 431 |
| Net loans and leases to core deposits | 113.7275% | 688 |
| Total domestic deposits to total assets | 76.9440% | 5,120 |
| Equity capital to assets | 10.2398% | 3,474 |
| Core capital (leverage) ratio | 10.0793% | 3,401 |
| Tier 1 risk-based capital ratio | 11.2187% | 5,194 |
| Total risk-based capital ratio | 12.0133% | 5,350 |
| Memoranda: | ||
| Average total assets | $159,945,500 | 3,434 |
| Average earning assets | $148,563,500 | 3,417 |
| Average equity | $16,175,000 | 3,640 |
| Average total loans | $127,563,000 | 2,997 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 2,853 |
| Cost of funding earning assets | 0.7125% | 772 |
| Net interest margin | 3.3870% | 3,860 |
| Noninterest income to average assets | 0.2073% | 5,174 |
| Noninterest expense to average assets | 1.9951% | 5,204 |
| Loan and lease loss provision to assets | 0.1444% | 1,730 |
| Net operating income to assets | 1.1189% | 1,824 |
| Return on assets (ROA) | 1.1189% | 1,910 |
| Pretax return on assets | 1.1683% | 2,812 |
| Return on Equity (ROE) | 10.9254% | 1,604 |
| Retained earnings to average equity (ytd only) | 5.0020% | 2,349 |
| Net charge-offs to loans | 0.0690% | 2,711 |
| Credit loss provision to net charge-offs | 271.0843% | 1,064 |
| Earnings coverage of net charge-offs (x) | 24.6386% | 1,630 |
| Efficiency ratio | 60.3144% | 4,535 |
| Assets per employee ($millions) | 6.1533% | 1,368 |
| Cash dividends to net income (ytd only)* | 54.2169% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,917 |
| Loan loss allowance to noncurrent loans | 77.1670% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 2,132 |
| Noncurrent loans to loans | 1.1193% | 1,843 |
| Net loans and leases to total assets | 78.5611% | 1,115 |
| Net loans and leases to deposits | 105.2506% | 377 |
| Net loans and leases to core deposits | 118.2883% | 533 |
| Total domestic deposits to total assets | 74.6420% | 5,387 |
| Equity capital to assets | 9.9859% | 3,738 |
| Core capital (leverage) ratio | 10.0311% | 3,445 |
| Tier 1 risk-based capital ratio | 11.0640% | 5,308 |
| Total risk-based capital ratio | 11.8249% | 5,467 |
| Memoranda: | ||
| Average total assets | $155,782,000 | 3,441 |
| Average earning assets | $142,605,000 | 3,469 |
| Average equity | $15,953,600 | 3,696 |
| Average total loans | $120,356,600 | 3,065 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 2,904 |
| Cost of funding earning assets | 0.6953% | 836 |
| Net interest margin | 3.3966% | 3,849 |
| Noninterest income to average assets | 0.1801% | 5,378 |
| Noninterest expense to average assets | 2.0517% | 5,105 |
| Loan and lease loss provision to assets | 0.0776% | 2,673 |
| Net operating income to assets | 1.1064% | 1,967 |
| Return on assets (ROA) | 1.1064% | 2,072 |
| Pretax return on assets | 1.1572% | 3,013 |
| Return on Equity (ROE) | 10.7346% | 1,775 |
| Retained earnings to average equity (ytd only) | 7.5159% | 1,392 |
| Net charge-offs to loans | -0.0191% | 4,991 |
| Credit loss provision to net charge-offs | -529.4118% | 5,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4279% | 4,153 |
| Assets per employee ($millions) | 5.5789% | 1,772 |
| Cash dividends to net income (ytd only)* | 29.9843% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 4,942 |
| Loan loss allowance to noncurrent loans | 85.2090% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9468% | 2,191 |
| Noncurrent loans to loans | 1.0306% | 2,186 |
| Net loans and leases to total assets | 76.5962% | 1,425 |
| Net loans and leases to deposits | 94.3240% | 1,232 |
| Net loans and leases to core deposits | 105.2589% | 1,257 |
| Total domestic deposits to total assets | 81.2054% | 4,194 |
| Equity capital to assets | 10.5192% | 3,542 |
| Core capital (leverage) ratio | 10.3478% | 3,161 |
| Tier 1 risk-based capital ratio | 12.1068% | 4,721 |
| Total risk-based capital ratio | 12.9077% | 4,908 |
| Memoranda: | ||
| Average total assets | $154,731,250 | 3,469 |
| Average earning assets | $141,509,500 | 3,496 |
| Average equity | $15,948,000 | 3,729 |
| Average total loans | $118,750,500 | 3,095 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0921% | 2,898 |
| Cost of funding earning assets | 0.6865% | 857 |
| Net interest margin | 3.4056% | 3,870 |
| Noninterest income to average assets | 0.1686% | 5,481 |
| Noninterest expense to average assets | 2.0514% | 5,167 |
| Loan and lease loss provision to assets | 0.0778% | 2,589 |
| Net operating income to assets | 1.1126% | 1,916 |
| Return on assets (ROA) | 1.1126% | 2,033 |
| Pretax return on assets | 1.1657% | 2,924 |
| Return on Equity (ROE) | 10.8699% | 1,697 |
| Retained earnings to average equity (ytd only) | 7.5760% | 1,349 |
| Net charge-offs to loans | -0.0356% | 5,210 |
| Credit loss provision to net charge-offs | -285.7143% | 4,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2590% | 4,306 |
| Assets per employee ($millions) | 5.2309% | 2,057 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 5,028 |
| Loan loss allowance to noncurrent loans | 62.0276% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 1,634 |
| Noncurrent loans to loans | 1.4107% | 1,578 |
| Net loans and leases to total assets | 77.2181% | 1,301 |
| Net loans and leases to deposits | 99.5597% | 729 |
| Net loans and leases to core deposits | 116.0693% | 637 |
| Total domestic deposits to total assets | 77.5596% | 5,075 |
| Equity capital to assets | 10.6846% | 3,423 |
| Core capital (leverage) ratio | 10.0153% | 3,549 |
| Tier 1 risk-based capital ratio | 12.0219% | 4,812 |
| Total risk-based capital ratio | 12.8125% | 5,008 |
| Memoranda: | ||
| Average total assets | $154,238,330 | 3,494 |
| Average earning assets | $141,588,330 | 3,513 |
| Average equity | $15,786,670 | 3,763 |
| Average total loans | $118,097,000 | 3,111 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0128% | 3,180 |
| Cost of funding earning assets | 0.6735% | 929 |
| Net interest margin | 3.3393% | 4,079 |
| Noninterest income to average assets | 0.1620% | 5,523 |
| Noninterest expense to average assets | 2.0655% | 5,188 |
| Loan and lease loss provision to assets | 0.0772% | 2,416 |
| Net operating income to assets | 1.0289% | 2,162 |
| Return on assets (ROA) | 1.0289% | 2,282 |
| Pretax return on assets | 1.0803% | 3,170 |
| Return on Equity (ROE) | 10.2722% | 1,862 |
| Retained earnings to average equity (ytd only) | 6.8053% | 1,974 |
| Net charge-offs to loans | -0.0915% | 5,596 |
| Credit loss provision to net charge-offs | -111.1111% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0862% | 4,110 |
| Assets per employee ($millions) | 5.9899% | 1,406 |
| Cash dividends to net income (ytd only)* | 33.7500% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 5,226 |
| Loan loss allowance to noncurrent loans | 33.3443% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 1.9449% | 913 |
| Noncurrent loans to loans | 2.5494% | 724 |
| Net loans and leases to total assets | 75.6411% | 1,443 |
| Net loans and leases to deposits | 91.6177% | 1,394 |
| Net loans and leases to core deposits | 108.9690% | 913 |
| Total domestic deposits to total assets | 82.5617% | 4,048 |
| Equity capital to assets | 10.1144% | 3,930 |
| Core capital (leverage) ratio | 9.9619% | 3,585 |
| Tier 1 risk-based capital ratio | 11.5567% | 5,194 |
| Total risk-based capital ratio | 12.3152% | 5,379 |
| Memoranda: | ||
| Average total assets | $155,510,000 | 3,501 |
| Average earning assets | $142,544,500 | 3,518 |
| Average equity | $15,576,000 | 3,801 |
| Average total loans | $118,060,500 | 3,115 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 3,060 |
| Cost of funding earning assets | 0.6271% | 1,197 |
| Net interest margin | 3.4359% | 3,773 |
| Noninterest income to average assets | 0.1989% | 5,397 |
| Noninterest expense to average assets | 2.2178% | 5,017 |
| Loan and lease loss provision to assets | 0.0841% | 2,612 |
| Net operating income to assets | 0.9991% | 2,365 |
| Return on assets (ROA) | 0.9898% | 2,509 |
| Pretax return on assets | 1.0382% | 3,318 |
| Return on Equity (ROE) | 9.2860% | 2,326 |
| Retained earnings to average equity (ytd only) | 3.2859% | 3,708 |
| Net charge-offs to loans | -0.0217% | 5,294 |
| Credit loss provision to net charge-offs | -521.7391% | 5,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2066% | 3,870 |
| Assets per employee ($millions) | 5.5458% | 1,743 |
| Cash dividends to net income (ytd only)* | 64.6143% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 5,377 |
| Loan loss allowance to noncurrent loans | 73.7046% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 2,586 |
| Noncurrent loans to loans | 1.1022% | 2,134 |
| Net loans and leases to total assets | 74.9321% | 1,584 |
| Net loans and leases to deposits | 103.6468% | 460 |
| Net loans and leases to core deposits | 118.9722% | 504 |
| Total domestic deposits to total assets | 72.2956% | 5,781 |
| Equity capital to assets | 9.9174% | 4,053 |
| Core capital (leverage) ratio | 10.0536% | 3,435 |
| Tier 1 risk-based capital ratio | 10.7852% | 5,633 |
| Total risk-based capital ratio | 11.4647% | 5,819 |
| Memoranda: | ||
| Average total assets | $142,751,600 | 3,683 |
| Average earning assets | $130,912,200 | 3,683 |
| Average equity | $15,216,400 | 3,804 |
| Average total loans | $105,785,000 | 3,283 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 3,092 |
| Cost of funding earning assets | 0.6257% | 1,242 |
| Net interest margin | 3.4364% | 3,812 |
| Noninterest income to average assets | 0.1900% | 5,525 |
| Noninterest expense to average assets | 2.2976% | 4,785 |
| Loan and lease loss provision to assets | 0.0859% | 2,443 |
| Net operating income to assets | 0.9236% | 2,838 |
| Return on assets (ROA) | 0.9082% | 3,018 |
| Pretax return on assets | 0.9531% | 3,808 |
| Return on Equity (ROE) | 8.3581% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.2557% | 2,748 |
| Net charge-offs to loans | -0.0285% | 5,340 |
| Credit loss provision to net charge-offs | -409.0909% | 5,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5275% | 3,444 |
| Assets per employee ($millions) | 5.2679% | 1,983 |
| Cash dividends to net income (ytd only)* | 37.1184% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 5,409 |
| Loan loss allowance to noncurrent loans | 61.8377% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0108% | 2,340 |
| Noncurrent loans to loans | 1.3572% | 1,887 |
| Net loans and leases to total assets | 73.8537% | 1,759 |
| Net loans and leases to deposits | 96.8862% | 918 |
| Net loans and leases to core deposits | 107.9141% | 986 |
| Total domestic deposits to total assets | 76.2273% | 5,454 |
| Equity capital to assets | 10.5626% | 3,531 |
| Core capital (leverage) ratio | 10.5205% | 3,024 |
| Tier 1 risk-based capital ratio | 12.0644% | 5,040 |
| Total risk-based capital ratio | 12.7951% | 5,273 |
| Memoranda: | ||
| Average total assets | $139,619,000 | 3,760 |
| Average earning assets | $128,502,250 | 3,764 |
| Average equity | $15,170,500 | 3,844 |
| Average total loans | $102,904,000 | 3,371 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 3,131 |
| Cost of funding earning assets | 0.6283% | 1,240 |
| Net interest margin | 3.4103% | 3,874 |
| Noninterest income to average assets | 0.1913% | 5,532 |
| Noninterest expense to average assets | 2.3023% | 4,841 |
| Loan and lease loss provision to assets | 0.0876% | 2,355 |
| Net operating income to assets | 0.9025% | 2,867 |
| Return on assets (ROA) | 0.8789% | 3,105 |
| Pretax return on assets | 0.9227% | 3,872 |
| Return on Equity (ROE) | 8.0085% | 3,047 |
| Retained earnings to average equity (ytd only) | 4.0442% | 3,440 |
| Net charge-offs to loans | -0.0398% | 5,449 |
| Credit loss provision to net charge-offs | -300.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9851% | 3,495 |
| Assets per employee ($millions) | 4.8690% | 2,435 |
| Cash dividends to net income (ytd only)* | 49.5017% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 5,455 |
| Loan loss allowance to noncurrent loans | 70.0787% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 2,736 |
| Noncurrent loans to loans | 1.2178% | 2,217 |
| Net loans and leases to total assets | 73.2247% | 1,785 |
| Net loans and leases to deposits | 95.3415% | 1,017 |
| Net loans and leases to core deposits | 103.0170% | 1,265 |
| Total domestic deposits to total assets | 76.8026% | 5,487 |
| Equity capital to assets | 10.7131% | 3,205 |
| Core capital (leverage) ratio | 10.7160% | 2,715 |
| Tier 1 risk-based capital ratio | 12.5532% | 4,774 |
| Total risk-based capital ratio | 13.3015% | 5,011 |
| Memoranda: | ||
| Average total assets | $136,991,670 | 3,835 |
| Average earning assets | $126,382,670 | 3,839 |
| Average equity | $15,034,000 | 3,882 |
| Average total loans | $100,586,330 | 3,433 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 3,294 |
| Cost of funding earning assets | 0.6130% | 1,346 |
| Net interest margin | 3.3681% | 3,958 |
| Noninterest income to average assets | 0.1987% | 5,527 |
| Noninterest expense to average assets | 2.3457% | 4,753 |
| Loan and lease loss provision to assets | 0.0890% | 2,210 |
| Net operating income to assets | 0.8515% | 3,001 |
| Return on assets (ROA) | 0.8036% | 3,366 |
| Pretax return on assets | 0.8422% | 4,096 |
| Return on Equity (ROE) | 7.2327% | 3,380 |
| Retained earnings to average equity (ytd only) | -0.3203% | 5,441 |
| Net charge-offs to loans | 0.0243% | 2,677 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 55.1667% | 782 |
| Efficiency ratio | 70.4991% | 3,398 |
| Assets per employee ($millions) | 5.0793% | 2,256 |
| Cash dividends to net income (ytd only)* | 104.4280% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 5,641 |
| Loan loss allowance to noncurrent loans | 65.5660% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 2,779 |
| Noncurrent loans to loans | 1.2540% | 2,279 |
| Net loans and leases to total assets | 73.3532% | 1,591 |
| Net loans and leases to deposits | 95.7730% | 842 |
| Net loans and leases to core deposits | 102.6887% | 1,133 |
| Total domestic deposits to total assets | 76.5907% | 5,676 |
| Equity capital to assets | 10.9857% | 2,984 |
| Core capital (leverage) ratio | 10.9164% | 2,497 |
| Tier 1 risk-based capital ratio | 12.1656% | 5,135 |
| Total risk-based capital ratio | 12.8600% | 5,405 |
| Memoranda: | ||
| Average total assets | $134,887,000 | 3,906 |
| Average earning assets | $125,293,500 | 3,887 |
| Average equity | $14,987,500 | 3,914 |
| Average total loans | $98,737,500 | 3,478 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9790% | 3,798 |
| Cost of funding earning assets | 0.7199% | 1,007 |
| Net interest margin | 3.2591% | 4,719 |
| Noninterest income to average assets | 0.1943% | 5,693 |
| Noninterest expense to average assets | 2.0278% | 5,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1353% | 1,837 |
| Return on assets (ROA) | 1.0808% | 2,103 |
| Pretax return on assets | 1.1358% | 2,945 |
| Return on Equity (ROE) | 9.5321% | 2,327 |
| Retained earnings to average equity (ytd only) | 1.7274% | 4,956 |
| Net charge-offs to loans | 0.0075% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 252.8333% | 215 |
| Efficiency ratio | 62.9548% | 4,759 |
| Assets per employee ($millions) | 4.9123% | 2,432 |
| Cash dividends to net income (ytd only)* | 81.8777% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 5,655 |
| Loan loss allowance to noncurrent loans | 58.2315% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.0842% | 2,581 |
| Noncurrent loans to loans | 1.4483% | 2,033 |
| Net loans and leases to total assets | 71.8024% | 1,938 |
| Net loans and leases to deposits | 93.9960% | 1,072 |
| Net loans and leases to core deposits | 99.6244% | 1,418 |
| Total domestic deposits to total assets | 76.3888% | 5,678 |
| Equity capital to assets | 11.2409% | 2,655 |
| Core capital (leverage) ratio | 11.2257% | 2,195 |
| Tier 1 risk-based capital ratio | 13.6007% | 4,345 |
| Total risk-based capital ratio | 14.3540% | 4,578 |
| Memoranda: | ||
| Average total assets | $127,131,800 | 4,037 |
| Average earning assets | $118,068,400 | 4,006 |
| Average equity | $14,414,400 | 3,957 |
| Average total loans | $80,519,200 | 3,858 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 3,756 |
| Cost of funding earning assets | 0.7481% | 897 |
| Net interest margin | 3.2527% | 4,784 |
| Noninterest income to average assets | 0.1834% | 5,823 |
| Noninterest expense to average assets | 1.9402% | 5,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2012% | 1,675 |
| Return on assets (ROA) | 1.1599% | 1,890 |
| Pretax return on assets | 1.2193% | 2,706 |
| Return on Equity (ROE) | 10.2068% | 2,112 |
| Retained earnings to average equity (ytd only) | 4.9355% | 3,120 |
| Net charge-offs to loans | -0.0766% | 6,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5760% | 5,109 |
| Assets per employee ($millions) | 5.9807% | 1,351 |
| Cash dividends to net income (ytd only)* | 51.6450% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 4,917 |
| Loan loss allowance to noncurrent loans | 66.1538% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0430% | 2,878 |
| Noncurrent loans to loans | 1.6099% | 2,023 |
| Net loans and leases to total assets | 63.6108% | 3,245 |
| Net loans and leases to deposits | 84.8146% | 2,058 |
| Net loans and leases to core deposits | 86.3978% | 2,624 |
| Total domestic deposits to total assets | 74.9998% | 5,924 |
| Equity capital to assets | 12.0100% | 2,049 |
| Core capital (leverage) ratio | 11.7282% | 1,893 |
| Tier 1 risk-based capital ratio | 15.5801% | 3,274 |
| Total risk-based capital ratio | 16.4790% | 3,400 |
| Memoranda: | ||
| Average total assets | $125,756,750 | 4,100 |
| Average earning assets | $116,742,500 | 4,066 |
| Average equity | $14,290,750 | 3,998 |
| Average total loans | $76,638,250 | 4,004 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 3,819 |
| Cost of funding earning assets | 0.7534% | 907 |
| Net interest margin | 3.2261% | 4,853 |
| Noninterest income to average assets | 0.1653% | 5,960 |
| Noninterest expense to average assets | 1.9585% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1429% | 1,780 |
| Return on assets (ROA) | 1.0810% | 2,075 |
| Pretax return on assets | 1.1366% | 2,945 |
| Return on Equity (ROE) | 9.6961% | 2,282 |
| Retained earnings to average equity (ytd only) | 1.7824% | 5,002 |
| Net charge-offs to loans | -0.0957% | 6,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9718% | 5,008 |
| Assets per employee ($millions) | 5.6381% | 1,575 |
| Cash dividends to net income (ytd only)* | 81.6176% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 4,811 |
| Loan loss allowance to noncurrent loans | 59.0028% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.1722% | 2,734 |
| Noncurrent loans to loans | 1.8989% | 1,803 |
| Net loans and leases to total assets | 60.6188% | 3,613 |
| Net loans and leases to deposits | 79.0876% | 2,646 |
| Net loans and leases to core deposits | 80.5422% | 3,154 |
| Total domestic deposits to total assets | 76.6477% | 5,842 |
| Equity capital to assets | 11.7939% | 2,161 |
| Core capital (leverage) ratio | 11.4527% | 2,047 |
| Tier 1 risk-based capital ratio | 15.6257% | 3,280 |
| Total risk-based capital ratio | 16.5438% | 3,422 |
| Memoranda: | ||
| Average total assets | $125,810,670 | 4,119 |
| Average earning assets | $116,798,330 | 4,091 |
| Average equity | $14,026,330 | 4,045 |
| Average total loans | $75,267,000 | 4,065 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 3,972 |
| Cost of funding earning assets | 0.7566% | 943 |
| Net interest margin | 3.1725% | 5,008 |
| Noninterest income to average assets | 0.1358% | 6,165 |
| Noninterest expense to average assets | 1.9290% | 6,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1018% | 1,808 |
| Return on assets (ROA) | 1.1018% | 1,866 |
| Pretax return on assets | 1.1587% | 2,663 |
| Return on Equity (ROE) | 10.1712% | 1,972 |
| Retained earnings to average equity (ytd only) | -5.2750% | 6,139 |
| Net charge-offs to loans | 0.1656% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.8387% | 1,754 |
| Efficiency ratio | 62.4744% | 5,063 |
| Assets per employee ($millions) | 6.5966% | 968 |
| Cash dividends to net income (ytd only)* | 151.8625% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 5,291 |
| Loan loss allowance to noncurrent loans | 56.6787% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 3,045 |
| Noncurrent loans to loans | 1.8643% | 2,048 |
| Net loans and leases to total assets | 58.6472% | 3,744 |
| Net loans and leases to deposits | 76.6182% | 2,741 |
| Net loans and leases to core deposits | 78.0095% | 3,200 |
| Total domestic deposits to total assets | 76.5446% | 6,021 |
| Equity capital to assets | 11.0766% | 2,654 |
| Core capital (leverage) ratio | 11.1372% | 2,271 |
| Tier 1 risk-based capital ratio | 15.5405% | 3,413 |
| Total risk-based capital ratio | 16.3999% | 3,588 |
| Memoranda: | ||
| Average total assets | $126,696,500 | 4,133 |
| Average earning assets | $117,888,500 | 4,096 |
| Average equity | $13,725,000 | 4,100 |
| Average total loans | $74,879,000 | 4,104 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 3,607 |
| Cost of funding earning assets | 0.9614% | 547 |
| Net interest margin | 3.1722% | 5,084 |
| Noninterest income to average assets | 0.2455% | 5,588 |
| Noninterest expense to average assets | 1.9451% | 6,115 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1981% | 1,571 |
| Return on assets (ROA) | 1.2040% | 1,625 |
| Pretax return on assets | 1.2664% | 2,288 |
| Return on Equity (ROE) | 10.8850% | 1,803 |
| Retained earnings to average equity (ytd only) | 4.8049% | 2,731 |
| Net charge-offs to loans | 0.1009% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 20.7308% | 1,532 |
| Efficiency ratio | 60.6856% | 5,391 |
| Assets per employee ($millions) | 6.0980% | 1,207 |
| Cash dividends to net income (ytd only)* | 55.8576% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 5,237 |
| Loan loss allowance to noncurrent loans | 55.2471% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.2081% | 2,981 |
| Noncurrent loans to loans | 1.9571% | 2,034 |
| Net loans and leases to total assets | 58.2951% | 3,982 |
| Net loans and leases to deposits | 77.4348% | 2,796 |
| Net loans and leases to core deposits | 78.6189% | 3,289 |
| Total domestic deposits to total assets | 75.2829% | 6,163 |
| Equity capital to assets | 10.5945% | 3,052 |
| Core capital (leverage) ratio | 10.8832% | 2,497 |
| Tier 1 risk-based capital ratio | 15.2655% | 3,505 |
| Total risk-based capital ratio | 16.1320% | 3,680 |
| Memoranda: | ||
| Average total assets | $128,320,800 | 4,103 |
| Average earning assets | $119,726,000 | 4,057 |
| Average equity | $14,193,800 | 4,027 |
| Average total loans | $77,320,600 | 4,013 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 3,477 |
| Cost of funding earning assets | 0.9856% | 530 |
| Net interest margin | 3.1903% | 5,030 |
| Noninterest income to average assets | 0.2337% | 5,762 |
| Noninterest expense to average assets | 1.9285% | 6,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2227% | 1,555 |
| Return on assets (ROA) | 1.2306% | 1,607 |
| Pretax return on assets | 1.2919% | 2,360 |
| Return on Equity (ROE) | 11.0098% | 1,811 |
| Retained earnings to average equity (ytd only) | 7.9159% | 1,445 |
| Net charge-offs to loans | 0.0566% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 37.4536% | 1,052 |
| Efficiency ratio | 60.0388% | 5,431 |
| Assets per employee ($millions) | 6.0866% | 1,185 |
| Cash dividends to net income (ytd only)* | 28.1013% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 5,111 |
| Loan loss allowance to noncurrent loans | 38.0973% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 1.9113% | 2,121 |
| Noncurrent loans to loans | 3.0243% | 1,327 |
| Net loans and leases to total assets | 57.7900% | 4,047 |
| Net loans and leases to deposits | 76.3860% | 2,897 |
| Net loans and leases to core deposits | 79.0433% | 3,221 |
| Total domestic deposits to total assets | 75.6552% | 6,207 |
| Equity capital to assets | 10.9773% | 2,777 |
| Core capital (leverage) ratio | 11.2522% | 2,248 |
| Tier 1 risk-based capital ratio | 15.6454% | 3,375 |
| Total risk-based capital ratio | 16.5715% | 3,510 |
| Memoranda: | ||
| Average total assets | $128,386,750 | 4,153 |
| Average earning assets | $119,859,750 | 4,098 |
| Average equity | $14,350,500 | 4,047 |
| Average total loans | $77,784,000 | 4,041 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 3,581 |
| Cost of funding earning assets | 1.0085% | 523 |
| Net interest margin | 3.1319% | 5,183 |
| Noninterest income to average assets | 0.2302% | 5,799 |
| Noninterest expense to average assets | 1.9179% | 6,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1844% | 1,633 |
| Return on assets (ROA) | 1.1962% | 1,711 |
| Pretax return on assets | 1.2568% | 2,461 |
| Return on Equity (ROE) | 10.6384% | 1,952 |
| Retained earnings to average equity (ytd only) | 6.4467% | 2,175 |
| Net charge-offs to loans | 0.0330% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 61.5385% | 684 |
| Efficiency ratio | 60.6493% | 5,383 |
| Assets per employee ($millions) | 5.7558% | 1,376 |
| Cash dividends to net income (ytd only)* | 39.4018% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 5,177 |
| Loan loss allowance to noncurrent loans | 50.7196% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.4610% | 2,913 |
| Noncurrent loans to loans | 2.2967% | 2,059 |
| Net loans and leases to total assets | 59.0316% | 3,824 |
| Net loans and leases to deposits | 76.4471% | 2,813 |
| Net loans and leases to core deposits | 79.0696% | 3,157 |
| Total domestic deposits to total assets | 77.2189% | 6,096 |
| Equity capital to assets | 10.8768% | 2,869 |
| Core capital (leverage) ratio | 10.9168% | 2,434 |
| Tier 1 risk-based capital ratio | 15.2647% | 3,617 |
| Total risk-based capital ratio | 16.2144% | 3,764 |
| Memoranda: | ||
| Average total assets | $128,576,330 | 4,174 |
| Average earning assets | $120,376,000 | 4,114 |
| Average equity | $14,457,000 | 4,059 |
| Average total loans | $78,803,000 | 4,017 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 3,446 |
| Cost of funding earning assets | 1.0289% | 522 |
| Net interest margin | 3.1359% | 5,138 |
| Noninterest income to average assets | 0.2254% | 5,855 |
| Noninterest expense to average assets | 1.8927% | 6,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2165% | 1,487 |
| Return on assets (ROA) | 1.2165% | 1,593 |
| Pretax return on assets | 1.2783% | 2,304 |
| Return on Equity (ROE) | 10.6494% | 1,814 |
| Retained earnings to average equity (ytd only) | 2.4596% | 4,794 |
| Net charge-offs to loans | -0.0199% | 5,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6884% | 5,631 |
| Assets per employee ($millions) | 6.1299% | 1,177 |
| Cash dividends to net income (ytd only)* | 76.9036% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,395 |
| Loan loss allowance to noncurrent loans | 75.9729% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0068% | 3,909 |
| Noncurrent loans to loans | 1.5174% | 3,275 |
| Net loans and leases to total assets | 59.8137% | 3,462 |
| Net loans and leases to deposits | 76.5089% | 2,555 |
| Net loans and leases to core deposits | 79.4349% | 2,873 |
| Total domestic deposits to total assets | 78.1788% | 6,089 |
| Equity capital to assets | 11.4691% | 2,438 |
| Core capital (leverage) ratio | 10.5207% | 2,749 |
| Tier 1 risk-based capital ratio | 14.5530% | 4,136 |
| Total risk-based capital ratio | 15.5010% | 4,293 |
| Memoranda: | ||
| Average total assets | $129,551,000 | 4,193 |
| Average earning assets | $121,688,500 | 4,123 |
| Average equity | $14,799,000 | 4,036 |
| Average total loans | $80,389,000 | 4,003 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4410% | 3,651 |
| Cost of funding earning assets | 1.1983% | 587 |
| Net interest margin | 3.2427% | 5,451 |
| Noninterest income to average assets | 0.2296% | 5,806 |
| Noninterest expense to average assets | 1.8361% | 6,578 |
| Loan and lease loss provision to assets | 0.0305% | 5,517 |
| Net operating income to assets | 1.3258% | 1,243 |
| Return on assets (ROA) | 1.3258% | 1,371 |
| Pretax return on assets | 1.3891% | 2,079 |
| Return on Equity (ROE) | 12.1264% | 1,474 |
| Retained earnings to average equity (ytd only) | 8.6378% | 931 |
| Net charge-offs to loans | 0.3033% | 3,126 |
| Credit loss provision to net charge-offs | 15.8730% | 5,333 |
| Earnings coverage of net charge-offs (x) | 7.3849% | 2,616 |
| Efficiency ratio | 56.3964% | 6,018 |
| Assets per employee ($millions) | 6.2083% | 1,162 |
| Cash dividends to net income (ytd only)* | 28.7687% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 5,636 |
| Loan loss allowance to noncurrent loans | 79.6082% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.9488% | 4,132 |
| Noncurrent loans to loans | 1.3549% | 3,570 |
| Net loans and leases to total assets | 62.8875% | 3,079 |
| Net loans and leases to deposits | 81.8213% | 2,023 |
| Net loans and leases to core deposits | 86.3915% | 2,260 |
| Total domestic deposits to total assets | 76.8596% | 6,248 |
| Equity capital to assets | 11.3780% | 2,558 |
| Core capital (leverage) ratio | 10.2622% | 3,061 |
| Tier 1 risk-based capital ratio | 13.9160% | 4,436 |
| Total risk-based capital ratio | 14.8244% | 4,646 |
| Memoranda: | ||
| Average total assets | $131,091,600 | 4,121 |
| Average earning assets | $122,336,400 | 4,061 |
| Average equity | $14,332,400 | 4,098 |
| Average total loans | $83,080,600 | 3,937 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 3,679 |
| Cost of funding earning assets | 1.2492% | 554 |
| Net interest margin | 3.2406% | 5,581 |
| Noninterest income to average assets | 0.2204% | 5,973 |
| Noninterest expense to average assets | 1.8678% | 6,584 |
| Loan and lease loss provision to assets | 0.0406% | 5,268 |
| Net operating income to assets | 1.2767% | 1,502 |
| Return on assets (ROA) | 1.2767% | 1,649 |
| Pretax return on assets | 1.3316% | 2,490 |
| Return on Equity (ROE) | 11.7967% | 1,705 |
| Retained earnings to average equity (ytd only) | 11.7967% | 565 |
| Net charge-offs to loans | 0.3288% | 2,816 |
| Credit loss provision to net charge-offs | 19.5122% | 4,963 |
| Earnings coverage of net charge-offs (x) | 6.5902% | 2,758 |
| Efficiency ratio | 57.6489% | 5,837 |
| Assets per employee ($millions) | 6.7071% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 5,450 |
| Loan loss allowance to noncurrent loans | 67.7954% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.1212% | 4,052 |
| Noncurrent loans to loans | 1.7199% | 3,209 |
| Net loans and leases to total assets | 59.4616% | 3,882 |
| Net loans and leases to deposits | 80.1252% | 2,370 |
| Net loans and leases to core deposits | 84.3865% | 2,654 |
| Total domestic deposits to total assets | 74.2109% | 6,584 |
| Equity capital to assets | 11.1516% | 3,090 |
| Core capital (leverage) ratio | 10.1649% | 3,331 |
| Tier 1 risk-based capital ratio | 14.2108% | 4,376 |
| Total risk-based capital ratio | 15.1860% | 4,529 |
| Memoranda: | ||
| Average total assets | $131,271,000 | 4,148 |
| Average earning assets | $122,319,750 | 4,096 |
| Average equity | $14,207,000 | 4,160 |
| Average total loans | $83,130,000 | 3,984 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 3,570 |
| Cost of funding earning assets | 1.2915% | 546 |
| Net interest margin | 3.2567% | 5,573 |
| Noninterest income to average assets | 0.2548% | 5,757 |
| Noninterest expense to average assets | 1.9123% | 6,577 |
| Loan and lease loss provision to assets | 0.0614% | 4,880 |
| Net operating income to assets | 1.2754% | 1,503 |
| Return on assets (ROA) | 1.2754% | 1,668 |
| Pretax return on assets | 1.3306% | 2,450 |
| Return on Equity (ROE) | 11.9086% | 1,694 |
| Retained earnings to average equity (ytd only) | 11.9086% | 599 |
| Net charge-offs to loans | 0.4980% | 2,092 |
| Credit loss provision to net charge-offs | 19.1388% | 4,621 |
| Earnings coverage of net charge-offs (x) | 4.3397% | 3,118 |
| Efficiency ratio | 57.8727% | 5,890 |
| Assets per employee ($millions) | 6.2687% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 5,576 |
| Loan loss allowance to noncurrent loans | 56.6163% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.3757% | 3,678 |
| Noncurrent loans to loans | 2.0296% | 2,913 |
| Net loans and leases to total assets | 61.2312% | 3,584 |
| Net loans and leases to deposits | 78.7984% | 2,549 |
| Net loans and leases to core deposits | 83.3413% | 2,778 |
| Total domestic deposits to total assets | 77.7062% | 6,214 |
| Equity capital to assets | 10.9714% | 3,152 |
| Core capital (leverage) ratio | 9.9810% | 3,443 |
| Tier 1 risk-based capital ratio | 14.0873% | 4,377 |
| Total risk-based capital ratio | 15.0807% | 4,552 |
| Memoranda: | ||
| Average total assets | $130,314,000 | 4,203 |
| Average earning assets | $122,025,000 | 4,127 |
| Average equity | $13,956,330 | 4,204 |
| Average total loans | $83,938,670 | 3,980 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 3,305 |
| Cost of funding earning assets | 1.3398% | 537 |
| Net interest margin | 3.3018% | 5,472 |
| Noninterest income to average assets | 0.2252% | 6,008 |
| Noninterest expense to average assets | 1.9499% | 6,554 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3143% | 1,418 |
| Return on assets (ROA) | 1.3143% | 1,586 |
| Pretax return on assets | 1.3698% | 2,287 |
| Return on Equity (ROE) | 12.4262% | 1,546 |
| Retained earnings to average equity (ytd only) | 12.4262% | 761 |
| Net charge-offs to loans | -0.0047% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7361% | 5,811 |
| Assets per employee ($millions) | 6.2259% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,922 |
| Loan loss allowance to noncurrent loans | 65.3869% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3836% | 3,799 |
| Noncurrent loans to loans | 2.0211% | 3,126 |
| Net loans and leases to total assets | 63.2217% | 3,000 |
| Net loans and leases to deposits | 81.5369% | 1,994 |
| Net loans and leases to core deposits | 86.6354% | 2,214 |
| Total domestic deposits to total assets | 77.5376% | 6,330 |
| Equity capital to assets | 10.6254% | 3,354 |
| Core capital (leverage) ratio | 9.8138% | 3,621 |
| Tier 1 risk-based capital ratio | 13.7462% | 4,644 |
| Total risk-based capital ratio | 14.9275% | 4,681 |
| Memoranda: | ||
| Average total assets | $129,650,000 | 4,240 |
| Average earning assets | $121,511,000 | 4,165 |
| Average equity | $13,713,000 | 4,255 |
| Average total loans | $85,136,500 | 3,970 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1072% | 2,423 |
| Cost of funding earning assets | 1.6380% | 413 |
| Net interest margin | 3.4691% | 5,254 |
| Noninterest income to average assets | 0.2219% | 5,942 |
| Noninterest expense to average assets | 1.8283% | 6,923 |
| Loan and lease loss provision to assets | 0.6219% | 1,650 |
| Net operating income to assets | 0.9304% | 2,484 |
| Return on assets (ROA) | 0.9290% | 2,606 |
| Pretax return on assets | 0.9852% | 3,290 |
| Return on Equity (ROE) | 10.0217% | 2,055 |
| Retained earnings to average equity (ytd only) | 6.6503% | 1,668 |
| Net charge-offs to loans | 0.8235% | 2,101 |
| Credit loss provision to net charge-offs | 111.4846% | 2,984 |
| Earnings coverage of net charge-offs (x) | 2.8838% | 3,764 |
| Efficiency ratio | 53.1939% | 6,587 |
| Assets per employee ($millions) | 6.1218% | 1,148 |
| Cash dividends to net income (ytd only)* | 33.6417% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 5,028 |
| Loan loss allowance to noncurrent loans | 66.9492% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 3,944 |
| Noncurrent loans to loans | 1.9096% | 3,330 |
| Net loans and leases to total assets | 66.4312% | 2,701 |
| Net loans and leases to deposits | 84.8378% | 1,825 |
| Net loans and leases to core deposits | 89.9186% | 2,140 |
| Total domestic deposits to total assets | 78.3038% | 6,140 |
| Equity capital to assets | 10.5276% | 3,505 |
| Core capital (leverage) ratio | 9.4506% | 4,110 |
| Tier 1 risk-based capital ratio | 13.0826% | 5,004 |
| Total risk-based capital ratio | 14.2443% | 5,046 |
| Memoranda: | ||
| Average total assets | $127,990,200 | 4,216 |
| Average earning assets | $118,617,000 | 4,168 |
| Average equity | $11,864,200 | 4,579 |
| Average total loans | $86,707,400 | 3,942 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1570% | 2,357 |
| Cost of funding earning assets | 1.6942% | 405 |
| Net interest margin | 3.4627% | 5,348 |
| Noninterest income to average assets | 0.2086% | 6,123 |
| Noninterest expense to average assets | 1.7802% | 7,016 |
| Loan and lease loss provision to assets | 0.5976% | 1,651 |
| Net operating income to assets | 0.9842% | 2,378 |
| Return on assets (ROA) | 0.9793% | 2,556 |
| Pretax return on assets | 1.0356% | 3,263 |
| Return on Equity (ROE) | 10.9373% | 1,887 |
| Retained earnings to average equity (ytd only) | 6.2782% | 2,383 |
| Net charge-offs to loans | 0.7991% | 1,962 |
| Credit loss provision to net charge-offs | 110.1923% | 2,993 |
| Earnings coverage of net charge-offs (x) | 3.0211% | 3,622 |
| Efficiency ratio | 52.0744% | 6,667 |
| Assets per employee ($millions) | 6.1845% | 1,097 |
| Cash dividends to net income (ytd only)* | 42.5985% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,244 |
| Loan loss allowance to noncurrent loans | 74.3271% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 4,498 |
| Noncurrent loans to loans | 1.6828% | 3,782 |
| Net loans and leases to total assets | 65.4722% | 3,011 |
| Net loans and leases to deposits | 85.3778% | 1,776 |
| Net loans and leases to core deposits | 90.4952% | 2,191 |
| Total domestic deposits to total assets | 76.6853% | 6,426 |
| Equity capital to assets | 10.1829% | 4,114 |
| Core capital (leverage) ratio | 9.2586% | 4,533 |
| Tier 1 risk-based capital ratio | 12.8532% | 5,203 |
| Total risk-based capital ratio | 13.9873% | 5,280 |
| Memoranda: | ||
| Average total assets | $127,848,500 | 4,234 |
| Average earning assets | $118,516,250 | 4,194 |
| Average equity | $11,446,750 | 4,706 |
| Average total loans | $86,757,250 | 3,979 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 2,257 |
| Cost of funding earning assets | 1.7434% | 398 |
| Net interest margin | 3.4561% | 5,337 |
| Noninterest income to average assets | 0.2233% | 6,076 |
| Noninterest expense to average assets | 1.8306% | 7,044 |
| Loan and lease loss provision to assets | 0.6778% | 1,421 |
| Net operating income to assets | 0.8571% | 2,829 |
| Return on assets (ROA) | 0.8571% | 2,923 |
| Pretax return on assets | 0.9137% | 3,569 |
| Return on Equity (ROE) | 10.0424% | 2,100 |
| Retained earnings to average equity (ytd only) | 2.6718% | 4,591 |
| Net charge-offs to loans | 0.9175% | 1,696 |
| Credit loss provision to net charge-offs | 108.0201% | 2,841 |
| Earnings coverage of net charge-offs (x) | 2.5363% | 3,559 |
| Efficiency ratio | 53.4926% | 6,668 |
| Assets per employee ($millions) | 6.1385% | 1,111 |
| Cash dividends to net income (ytd only)* | 73.3945% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 5,409 |
| Loan loss allowance to noncurrent loans | 70.8725% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1853% | 4,521 |
| Noncurrent loans to loans | 1.7377% | 3,830 |
| Net loans and leases to total assets | 65.6965% | 3,090 |
| Net loans and leases to deposits | 83.6458% | 2,160 |
| Net loans and leases to core deposits | 88.6590% | 2,543 |
| Total domestic deposits to total assets | 78.5413% | 6,179 |
| Equity capital to assets | 8.7093% | 5,932 |
| Core capital (leverage) ratio | 8.2057% | 6,023 |
| Tier 1 risk-based capital ratio | 11.3326% | 6,295 |
| Total risk-based capital ratio | 12.4519% | 6,371 |
| Memoranda: | ||
| Average total assets | $127,173,000 | 4,280 |
| Average earning assets | $117,703,670 | 4,240 |
| Average equity | $10,854,000 | 4,837 |
| Average total loans | $86,973,330 | 4,020 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2821% | 1,926 |
| Cost of funding earning assets | 1.7584% | 435 |
| Net interest margin | 3.5237% | 4,901 |
| Noninterest income to average assets | 0.2027% | 6,274 |
| Noninterest expense to average assets | 1.8843% | 7,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5360% | 810 |
| Return on assets (ROA) | 1.5360% | 852 |
| Pretax return on assets | 1.5930% | 1,210 |
| Return on Equity (ROE) | 18.1861% | 462 |
| Retained earnings to average equity (ytd only) | 8.8868% | 1,415 |
| Net charge-offs to loans | -0.4475% | 7,396 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1894% | 6,676 |
| Assets per employee ($millions) | 6.3552% | 1,004 |
| Cash dividends to net income (ytd only)* | 51.1340% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 5,123 |
| Loan loss allowance to noncurrent loans | 71.1027% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.2714% | 4,413 |
| Noncurrent loans to loans | 1.8297% | 3,794 |
| Net loans and leases to total assets | 66.9711% | 2,764 |
| Net loans and leases to deposits | 84.4566% | 1,958 |
| Net loans and leases to core deposits | 89.2696% | 2,445 |
| Total domestic deposits to total assets | 79.2965% | 6,119 |
| Equity capital to assets | 8.5159% | 5,882 |
| Core capital (leverage) ratio | 8.4245% | 5,587 |
| Tier 1 risk-based capital ratio | 11.2429% | 6,312 |
| Total risk-based capital ratio | 12.4127% | 6,352 |
| Memoranda: | ||
| Average total assets | $126,305,500 | 4,330 |
| Average earning assets | $117,377,500 | 4,268 |
| Average equity | $10,667,500 | 4,877 |
| Average total loans | $87,588,000 | 4,028 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5371% | 2,134 |
| Cost of funding earning assets | 1.8932% | 862 |
| Net interest margin | 3.6439% | 4,602 |
| Noninterest income to average assets | 0.2473% | 6,027 |
| Noninterest expense to average assets | 1.9266% | 7,120 |
| Loan and lease loss provision to assets | 0.6063% | 2,709 |
| Net operating income to assets | 1.0483% | 1,880 |
| Return on assets (ROA) | 1.0483% | 1,978 |
| Pretax return on assets | 1.1001% | 2,578 |
| Return on Equity (ROE) | 12.2620% | 1,265 |
| Retained earnings to average equity (ytd only) | 5.5151% | 2,098 |
| Net charge-offs to loans | 0.5119% | 3,567 |
| Credit loss provision to net charge-offs | 167.4009% | 2,034 |
| Earnings coverage of net charge-offs (x) | 4.7115% | 2,834 |
| Efficiency ratio | 53.0303% | 6,892 |
| Assets per employee ($millions) | 5.9765% | 1,228 |
| Cash dividends to net income (ytd only)* | 55.0228% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 5,729 |
| Loan loss allowance to noncurrent loans | 87.1489% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 5,069 |
| Noncurrent loans to loans | 1.3212% | 4,513 |
| Net loans and leases to total assets | 70.0415% | 2,527 |
| Net loans and leases to deposits | 91.0689% | 1,389 |
| Net loans and leases to core deposits | 96.7947% | 1,915 |
| Total domestic deposits to total assets | 76.9105% | 6,492 |
| Equity capital to assets | 8.3748% | 6,040 |
| Core capital (leverage) ratio | 8.2690% | 5,727 |
| Tier 1 risk-based capital ratio | 10.7568% | 6,526 |
| Total risk-based capital ratio | 11.8011% | 6,643 |
| Memoranda: | ||
| Average total assets | $125,350,200 | 4,365 |
| Average earning assets | $116,469,200 | 4,306 |
| Average equity | $10,716,000 | 4,926 |
| Average total loans | $88,690,000 | 4,086 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5981% | 2,070 |
| Cost of funding earning assets | 1.9145% | 985 |
| Net interest margin | 3.6836% | 4,492 |
| Noninterest income to average assets | 0.2351% | 6,204 |
| Noninterest expense to average assets | 1.8854% | 7,227 |
| Loan and lease loss provision to assets | 0.5320% | 2,808 |
| Net operating income to assets | 1.1640% | 1,695 |
| Return on assets (ROA) | 1.1640% | 1,789 |
| Pretax return on assets | 1.2385% | 2,368 |
| Return on Equity (ROE) | 13.5469% | 1,134 |
| Retained earnings to average equity (ytd only) | 8.6309% | 1,191 |
| Net charge-offs to loans | 0.2888% | 4,213 |
| Credit loss provision to net charge-offs | 260.4167% | 1,270 |
| Earnings coverage of net charge-offs (x) | 8.6668% | 2,127 |
| Efficiency ratio | 51.5716% | 7,023 |
| Assets per employee ($millions) | 6.6374% | 911 |
| Cash dividends to net income (ytd only)* | 36.2888% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 5,664 |
| Loan loss allowance to noncurrent loans | 71.0526% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 4,653 |
| Noncurrent loans to loans | 1.6326% | 4,199 |
| Net loans and leases to total assets | 69.3215% | 2,893 |
| Net loans and leases to deposits | 92.3703% | 1,399 |
| Net loans and leases to core deposits | 98.4726% | 2,001 |
| Total domestic deposits to total assets | 75.0474% | 6,791 |
| Equity capital to assets | 9.0040% | 5,576 |
| Core capital (leverage) ratio | 8.3922% | 5,711 |
| Tier 1 risk-based capital ratio | 10.8912% | 6,467 |
| Total risk-based capital ratio | 11.9401% | 6,628 |
| Memoranda: | ||
| Average total assets | $125,311,000 | 4,433 |
| Average earning assets | $116,370,000 | 4,375 |
| Average equity | $10,767,250 | 4,983 |
| Average total loans | $88,629,750 | 4,153 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6035% | 2,128 |
| Cost of funding earning assets | 1.9247% | 1,133 |
| Net interest margin | 3.6788% | 4,459 |
| Noninterest income to average assets | 0.2399% | 6,190 |
| Noninterest expense to average assets | 1.9353% | 7,205 |
| Loan and lease loss provision to assets | 0.5310% | 2,663 |
| Net operating income to assets | 1.1148% | 1,802 |
| Return on assets (ROA) | 1.1148% | 1,872 |
| Pretax return on assets | 1.1884% | 2,453 |
| Return on Equity (ROE) | 13.1866% | 1,194 |
| Retained earnings to average equity (ytd only) | 6.0541% | 2,306 |
| Net charge-offs to loans | 0.4420% | 3,212 |
| Credit loss provision to net charge-offs | 169.3878% | 2,312 |
| Earnings coverage of net charge-offs (x) | 5.4847% | 2,657 |
| Efficiency ratio | 52.9540% | 6,983 |
| Assets per employee ($millions) | 6.1864% | 1,106 |
| Cash dividends to net income (ytd only)* | 54.0890% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 6,583 |
| Loan loss allowance to noncurrent loans | 73.3047% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 5,013 |
| Noncurrent loans to loans | 1.3017% | 4,776 |
| Net loans and leases to total assets | 71.6456% | 2,502 |
| Net loans and leases to deposits | 92.6164% | 1,442 |
| Net loans and leases to core deposits | 97.5493% | 2,277 |
| Total domestic deposits to total assets | 77.3574% | 6,420 |
| Equity capital to assets | 8.7871% | 5,772 |
| Core capital (leverage) ratio | 8.1496% | 6,035 |
| Tier 1 risk-based capital ratio | 10.5473% | 6,652 |
| Total risk-based capital ratio | 11.4238% | 6,895 |
| Memoranda: | ||
| Average total assets | $125,044,330 | 4,472 |
| Average earning assets | $116,071,000 | 4,413 |
| Average equity | $10,571,330 | 5,041 |
| Average total loans | $88,690,330 | 4,184 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6049% | 2,128 |
| Cost of funding earning assets | 1.9233% | 1,360 |
| Net interest margin | 3.6817% | 4,345 |
| Noninterest income to average assets | 0.2291% | 6,317 |
| Noninterest expense to average assets | 1.8679% | 7,385 |
| Loan and lease loss provision to assets | 0.1527% | 5,013 |
| Net operating income to assets | 1.5624% | 806 |
| Return on assets (ROA) | 1.5624% | 866 |
| Pretax return on assets | 1.6197% | 1,220 |
| Return on Equity (ROE) | 18.8466% | 447 |
| Retained earnings to average equity (ytd only) | 10.3637% | 1,075 |
| Net charge-offs to loans | -0.0227% | 7,107 |
| Credit loss provision to net charge-offs | -960.0000% | 6,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3112% | 7,206 |
| Assets per employee ($millions) | 6.2349% | 1,122 |
| Cash dividends to net income (ytd only)* | 45.0102% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 6,923 |
| Loan loss allowance to noncurrent loans | 106.0523% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 5,942 |
| Noncurrent loans to loans | 0.8213% | 5,670 |
| Net loans and leases to total assets | 70.3666% | 2,838 |
| Net loans and leases to deposits | 94.5518% | 1,284 |
| Net loans and leases to core deposits | 99.7023% | 2,161 |
| Total domestic deposits to total assets | 74.4212% | 6,989 |
| Equity capital to assets | 8.5231% | 5,975 |
| Core capital (leverage) ratio | 8.1051% | 6,064 |
| Tier 1 risk-based capital ratio | 10.5812% | 6,556 |
| Total risk-based capital ratio | 11.3790% | 6,934 |
| Memoranda: | ||
| Average total assets | $125,703,000 | 4,507 |
| Average earning assets | $116,468,500 | 4,457 |
| Average equity | $10,421,000 | 5,126 |
| Average total loans | $88,286,000 | 4,246 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7116% | 3,044 |
| Cost of funding earning assets | 2.1639% | 2,170 |
| Net interest margin | 3.5478% | 4,755 |
| Noninterest income to average assets | 0.2648% | 6,218 |
| Noninterest expense to average assets | 1.7824% | 7,627 |
| Loan and lease loss provision to assets | 0.1880% | 5,843 |
| Net operating income to assets | 1.5306% | 631 |
| Return on assets (ROA) | 1.5912% | 595 |
| Pretax return on assets | 1.6705% | 832 |
| Return on Equity (ROE) | 20.0399% | 242 |
| Retained earnings to average equity (ytd only) | 13.1644% | 143 |
| Net charge-offs to loans | 0.2233% | 5,229 |
| Credit loss provision to net charge-offs | 125.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | 11.9348% | 1,558 |
| Efficiency ratio | 49.8286% | 7,548 |
| Assets per employee ($millions) | 6.3355% | 1,061 |
| Cash dividends to net income (ytd only)* | 34.3092% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 7,085 |
| Loan loss allowance to noncurrent loans | 121.9015% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 6,208 |
| Noncurrent loans to loans | 0.6689% | 5,898 |
| Net loans and leases to total assets | 68.9280% | 3,505 |
| Net loans and leases to deposits | 91.5589% | 1,954 |
| Net loans and leases to core deposits | 119.9846% | 1,948 |
| Total domestic deposits to total assets | 75.2827% | 6,815 |
| Equity capital to assets | 8.0610% | 6,516 |
| Core capital (leverage) ratio | 7.7851% | 6,470 |
| Tier 1 risk-based capital ratio | 10.2483% | 6,636 |
| Total risk-based capital ratio | 10.9873% | 7,053 |
| Memoranda: | ||
| Average total assets | $122,362,000 | 4,506 |
| Average earning assets | $114,240,600 | 4,443 |
| Average equity | $9,715,600 | 5,375 |
| Average total loans | $82,388,000 | 4,434 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7023% | 3,328 |
| Cost of funding earning assets | 2.1898% | 2,456 |
| Net interest margin | 3.5126% | 4,815 |
| Noninterest income to average assets | 0.2562% | 6,403 |
| Noninterest expense to average assets | 1.7272% | 7,732 |
| Loan and lease loss provision to assets | 0.1363% | 5,993 |
| Net operating income to assets | 1.6226% | 636 |
| Return on assets (ROA) | 1.6909% | 601 |
| Pretax return on assets | 1.7502% | 881 |
| Return on Equity (ROE) | 21.3807% | 233 |
| Retained earnings to average equity (ytd only) | 16.8904% | 107 |
| Net charge-offs to loans | 0.1218% | 5,481 |
| Credit loss provision to net charge-offs | 167.5676% | 2,797 |
| Earnings coverage of net charge-offs (x) | 22.3253% | 1,162 |
| Efficiency ratio | 48.7434% | 7,633 |
| Assets per employee ($millions) | 6.6594% | 915 |
| Cash dividends to net income (ytd only)* | 21.0015% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 6,995 |
| Loan loss allowance to noncurrent loans | 79.6909% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.7492% | 5,630 |
| Noncurrent loans to loans | 1.0532% | 5,213 |
| Net loans and leases to total assets | 67.4177% | 4,088 |
| Net loans and leases to deposits | 90.9840% | 2,393 |
| Net loans and leases to core deposits | 119.4452% | 2,299 |
| Total domestic deposits to total assets | 74.0984% | 6,927 |
| Equity capital to assets | 8.2455% | 6,574 |
| Core capital (leverage) ratio | 7.8207% | 6,591 |
| Tier 1 risk-based capital ratio | 10.2403% | 6,742 |
| Total risk-based capital ratio | 10.9877% | 7,165 |
| Memoranda: | ||
| Average total assets | $121,275,250 | 4,566 |
| Average earning assets | $113,495,000 | 4,497 |
| Average equity | $9,591,000 | 5,462 |
| Average total loans | $80,971,000 | 4,523 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7024% | 3,525 |
| Cost of funding earning assets | 2.2254% | 2,680 |
| Net interest margin | 3.4769% | 4,909 |
| Noninterest income to average assets | 0.2543% | 6,457 |
| Noninterest expense to average assets | 1.8289% | 7,713 |
| Loan and lease loss provision to assets | 0.0803% | 6,383 |
| Net operating income to assets | 1.5368% | 775 |
| Return on assets (ROA) | 1.5947% | 757 |
| Pretax return on assets | 1.6549% | 1,102 |
| Return on Equity (ROE) | 20.4719% | 306 |
| Retained earnings to average equity (ytd only) | 14.0059% | 254 |
| Net charge-offs to loans | -0.1387% | 7,997 |
| Credit loss provision to net charge-offs | -87.2727% | 6,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1968% | 7,501 |
| Assets per employee ($millions) | 6.4789% | 976 |
| Cash dividends to net income (ytd only)* | 31.5845% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 6,635 |
| Loan loss allowance to noncurrent loans | 108.0893% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 5,879 |
| Noncurrent loans to loans | 0.8623% | 5,492 |
| Net loans and leases to total assets | 66.9196% | 4,376 |
| Net loans and leases to deposits | 84.5536% | 3,785 |
| Net loans and leases to core deposits | 109.1056% | 3,483 |
| Total domestic deposits to total assets | 79.1446% | 5,767 |
| Equity capital to assets | 7.6328% | 7,151 |
| Core capital (leverage) ratio | 7.6796% | 6,788 |
| Tier 1 risk-based capital ratio | 10.2100% | 6,699 |
| Total risk-based capital ratio | 11.0583% | 7,072 |
| Memoranda: | ||
| Average total assets | $119,524,000 | 4,648 |
| Average earning assets | $111,708,330 | 4,583 |
| Average equity | $9,310,330 | 5,575 |
| Average total loans | $79,286,330 | 4,609 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8068% | 3,263 |
| Cost of funding earning assets | 2.2870% | 2,758 |
| Net interest margin | 3.5198% | 4,650 |
| Noninterest income to average assets | 0.2480% | 6,472 |
| Noninterest expense to average assets | 1.7735% | 7,732 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6956% | 652 |
| Return on assets (ROA) | 1.8142% | 571 |
| Pretax return on assets | 1.8754% | 845 |
| Return on Equity (ROE) | 23.0483% | 263 |
| Retained earnings to average equity (ytd only) | 16.9193% | 278 |
| Net charge-offs to loans | -0.0259% | 7,512 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2890% | 7,571 |
| Assets per employee ($millions) | 6.1966% | 1,096 |
| Cash dividends to net income (ytd only)* | 26.5918% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8544% | 6,946 |
| Loan loss allowance to noncurrent loans | 179.5756% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 6,434 |
| Noncurrent loans to loans | 0.4758% | 6,231 |
| Net loans and leases to total assets | 66.7273% | 4,406 |
| Net loans and leases to deposits | 82.9912% | 4,136 |
| Net loans and leases to core deposits | 107.6767% | 3,724 |
| Total domestic deposits to total assets | 80.4028% | 5,207 |
| Equity capital to assets | 8.0579% | 6,730 |
| Core capital (leverage) ratio | 7.6906% | 6,897 |
| Tier 1 risk-based capital ratio | 10.3447% | 6,549 |
| Total risk-based capital ratio | 11.1169% | 6,966 |
| Memoranda: | ||
| Average total assets | $117,736,000 | 4,712 |
| Average earning assets | $109,664,000 | 4,650 |
| Average equity | $9,267,500 | 5,611 |
| Average total loans | $77,353,000 | 4,706 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9643% | 5,734 |
| Cost of funding earning assets | 2.9023% | 2,258 |
| Net interest margin | 3.0620% | 6,760 |
| Noninterest income to average assets | 0.3213% | 6,153 |
| Noninterest expense to average assets | 1.6778% | 7,886 |
| Loan and lease loss provision to assets | 0.5520% | 2,614 |
| Net operating income to assets | 0.9285% | 2,881 |
| Return on assets (ROA) | 0.9420% | 2,690 |
| Pretax return on assets | 0.9760% | 3,466 |
| Return on Equity (ROE) | 13.2543% | 1,269 |
| Retained earnings to average equity (ytd only) | 12.0293% | 222 |
| Net charge-offs to loans | 0.8557% | 1,467 |
| Credit loss provision to net charge-offs | 102.7553% | 5,188 |
| Earnings coverage of net charge-offs (x) | 2.8185% | 4,672 |
| Efficiency ratio | 52.5641% | 7,426 |
| Assets per employee ($millions) | 6.1966% | 1,038 |
| Cash dividends to net income (ytd only)* | 9.2421% | 4,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 6,730 |
| Loan loss allowance to noncurrent loans | 77.4194% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 4,912 |
| Noncurrent loans to loans | 1.1502% | 4,238 |
| Net loans and leases to total assets | 63.5277% | 5,365 |
| Net loans and leases to deposits | 78.5711% | 5,258 |
| Net loans and leases to core deposits | 99.3901% | 4,883 |
| Total domestic deposits to total assets | 80.8538% | 4,713 |
| Equity capital to assets | 7.6850% | 7,221 |
| Core capital (leverage) ratio | 7.3756% | 7,331 |
| Tier 1 risk-based capital ratio | 10.2671% | 6,454 |
| Total risk-based capital ratio | 11.0622% | 6,835 |
| Memoranda: | ||
| Average total assets | $114,856,000 | 4,643 |
| Average earning assets | $107,674,400 | 4,572 |
| Average equity | $8,163,400 | 6,019 |
| Average total loans | $72,102,400 | 4,795 |