Home > Milledgeville State Bank > Performance and Condition Ratios
Milledgeville State 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 | 5.5945% | 1,900 |
| Cost of funding earning assets | 3.0722% | 276 |
| Net interest margin | 2.5223% | 4,011 |
| Noninterest income to average assets | 0.1700% | 3,735 |
| Noninterest expense to average assets | 1.5816% | 4,162 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9178% | 2,515 |
| Return on assets (ROA) | 0.9261% | 2,492 |
| Pretax return on assets | 0.9430% | 2,869 |
| Return on Equity (ROE) | 9.9200% | 2,338 |
| Retained earnings to average equity (ytd only) | -5.0484% | 4,081 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 62.8571% | 2,615 |
| Assets per employee ($millions) | 17.0185% | 147 |
| Cash dividends to net income (ytd only)* | 150.9132% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 3,271 |
| Loan loss allowance to noncurrent loans | 63.0605% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 758 |
| Noncurrent loans to loans | 1.5734% | 606 |
| Net loans and leases to total assets | 59.9700% | 2,880 |
| Net loans and leases to deposits | 75.5736% | 2,437 |
| Net loans and leases to core deposits | 110.3024% | 840 |
| Total domestic deposits to total assets | 79.3500% | 3,663 |
| Equity capital to assets | 9.4939% | 2,579 |
| Core capital (leverage) ratio | 11.3038% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2025% | 1,218 |
| Memoranda: | ||
| Average total assets | $189,174,000 | 3,093 |
| Average earning assets | $176,030,000 | 3,075 |
| Average equity | $17,669,000 | 3,170 |
| Average total loans | $115,315,000 | 3,074 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6609% | 1,824 |
| Cost of funding earning assets | 3.0550% | 445 |
| Net interest margin | 2.6059% | 3,767 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 1.4986% | 4,262 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 0.8974% | 2,394 |
| Return on assets (ROA) | 0.8818% | 2,462 |
| Pretax return on assets | 0.8994% | 2,807 |
| Return on Equity (ROE) | 9.1500% | 2,422 |
| Retained earnings to average equity (ytd only) | 3.5059% | 2,823 |
| Net charge-offs to loans | 0.4851% | 304 |
| Credit loss provision to net charge-offs | 36.7647% | 2,401 |
| Earnings coverage of net charge-offs (x) | 3.6544% | 2,733 |
| Efficiency ratio | 57.9170% | 3,370 |
| Assets per employee ($millions) | 17.3767% | 147 |
| Cash dividends to net income (ytd only)* | 61.6770% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 3,424 |
| Loan loss allowance to noncurrent loans | 63.0605% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 738 |
| Noncurrent loans to loans | 1.5216% | 626 |
| Net loans and leases to total assets | 60.7500% | 2,860 |
| Net loans and leases to deposits | 77.3684% | 2,338 |
| Net loans and leases to core deposits | 111.9603% | 858 |
| Total domestic deposits to total assets | 78.5200% | 3,716 |
| Equity capital to assets | 9.1894% | 2,677 |
| Core capital (leverage) ratio | 11.5466% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3393% | 1,194 |
| Memoranda: | ||
| Average total assets | $182,573,200 | 3,105 |
| Average earning assets | $168,312,800 | 3,106 |
| Average equity | $17,599,000 | 3,134 |
| Average total loans | $112,138,600 | 3,078 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6672% | 1,775 |
| Cost of funding earning assets | 3.0204% | 493 |
| Net interest margin | 2.6468% | 3,689 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 1.4742% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1347% | 1,666 |
| Return on assets (ROA) | 1.1158% | 1,721 |
| Pretax return on assets | 1.1350% | 2,156 |
| Return on Equity (ROE) | 11.4300% | 1,773 |
| Retained earnings to average equity (ytd only) | 3.9149% | 2,888 |
| Net charge-offs to loans | 0.0313% | 1,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 60.0769% | 1,098 |
| Efficiency ratio | 56.0866% | 3,544 |
| Assets per employee ($millions) | 16.7442% | 162 |
| Cash dividends to net income (ytd only)* | 65.7616% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 1,707 |
| Loan loss allowance to noncurrent loans | 75.0780% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 631 |
| Noncurrent loans to loans | 1.7345% | 498 |
| Net loans and leases to total assets | 59.3800% | 2,973 |
| Net loans and leases to deposits | 76.8806% | 2,442 |
| Net loans and leases to core deposits | 107.2814% | 1,063 |
| Total domestic deposits to total assets | 77.2400% | 3,802 |
| Equity capital to assets | 10.2641% | 2,123 |
| Core capital (leverage) ratio | 11.7417% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2460% | 1,245 |
| Memoranda: | ||
| Average total assets | $180,430,500 | 3,121 |
| Average earning assets | $166,287,250 | 3,127 |
| Average equity | $17,607,500 | 3,127 |
| Average total loans | $110,861,250 | 3,093 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6920% | 1,617 |
| Cost of funding earning assets | 2.9486% | 506 |
| Net interest margin | 2.7434% | 3,513 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 1.4801% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2083% | 1,450 |
| Return on assets (ROA) | 1.1798% | 1,525 |
| Pretax return on assets | 1.2022% | 1,924 |
| Return on Equity (ROE) | 12.3100% | 1,540 |
| Retained earnings to average equity (ytd only) | 0.6055% | 3,692 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.5904% | 3,706 |
| Assets per employee ($millions) | 18.0309% | 129 |
| Cash dividends to net income (ytd only)* | 95.0804% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 1,602 |
| Loan loss allowance to noncurrent loans | 57.2263% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.4237% | 357 |
| Noncurrent loans to loans | 2.3294% | 295 |
| Net loans and leases to total assets | 60.3000% | 2,923 |
| Net loans and leases to deposits | 79.6836% | 2,234 |
| Net loans and leases to core deposits | 114.3390% | 812 |
| Total domestic deposits to total assets | 75.6800% | 3,926 |
| Equity capital to assets | 9.5087% | 2,384 |
| Core capital (leverage) ratio | 11.7288% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1841% | 1,054 |
| Memoranda: | ||
| Average total assets | $179,178,667 | 3,135 |
| Average earning assets | $164,758,333 | 3,141 |
| Average equity | $17,175,000 | 3,140 |
| Average total loans | $110,878,000 | 3,097 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 1,591 |
| Cost of funding earning assets | 2.9080% | 495 |
| Net interest margin | 2.7163% | 3,534 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 1.5923% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0687% | 1,745 |
| Return on assets (ROA) | 1.0122% | 1,899 |
| Pretax return on assets | 1.0436% | 2,271 |
| Return on Equity (ROE) | 10.5200% | 1,974 |
| Retained earnings to average equity (ytd only) | -8.4002% | 4,252 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 59.1022% | 3,342 |
| Assets per employee ($millions) | 17.8686% | 134 |
| Cash dividends to net income (ytd only)* | 179.8673% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 1,627 |
| Loan loss allowance to noncurrent loans | 70.6250% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 466 |
| Noncurrent loans to loans | 1.8908% | 356 |
| Net loans and leases to total assets | 60.7400% | 2,788 |
| Net loans and leases to deposits | 80.6827% | 2,009 |
| Net loans and leases to core deposits | 115.6176% | 762 |
| Total domestic deposits to total assets | 75.2800% | 4,037 |
| Equity capital to assets | 9.4702% | 2,337 |
| Core capital (leverage) ratio | 11.5430% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5076% | 1,176 |
| Memoranda: | ||
| Average total assets | $178,613,500 | 3,145 |
| Average earning assets | $164,786,000 | 3,151 |
| Average equity | $17,190,000 | 3,157 |
| Average total loans | $111,216,000 | 3,100 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1256% | 1,808 |
| Cost of funding earning assets | 2.3457% | 499 |
| Net interest margin | 2.7799% | 3,701 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.5411% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2662% | 1,504 |
| Return on assets (ROA) | 1.2454% | 1,521 |
| Pretax return on assets | 1.2741% | 1,948 |
| Return on Equity (ROE) | 13.5300% | 1,594 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,430 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.3320% | 3,654 |
| Assets per employee ($millions) | 17.8541% | 137 |
| Cash dividends to net income (ytd only)* | 59.8893% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 1,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 2,471 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.1500% | 2,659 |
| Net loans and leases to deposits | 83.1159% | 1,846 |
| Net loans and leases to core deposits | 116.3009% | 736 |
| Total domestic deposits to total assets | 74.7700% | 4,047 |
| Equity capital to assets | 9.7781% | 2,140 |
| Core capital (leverage) ratio | 12.0128% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7778% | 1,118 |
| Memoranda: | ||
| Average total assets | $174,157,000 | 3,170 |
| Average earning assets | $161,913,200 | 3,153 |
| Average equity | $16,030,400 | 3,181 |
| Average total loans | $108,445,400 | 3,083 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 1,754 |
| Cost of funding earning assets | 2.1717% | 523 |
| Net interest margin | 2.8691% | 3,600 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 1.5678% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2686% | 1,611 |
| Return on assets (ROA) | 1.2550% | 1,635 |
| Pretax return on assets | 1.2750% | 2,109 |
| Return on Equity (ROE) | 13.8600% | 1,690 |
| Retained earnings to average equity (ytd only) | 5.0700% | 2,908 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.8813% | 3,505 |
| Assets per employee ($millions) | 17.4372% | 130 |
| Cash dividends to net income (ytd only)* | 63.4131% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 1,726 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 2,492 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 62.3800% | 2,611 |
| Net loans and leases to deposits | 82.5797% | 1,863 |
| Net loans and leases to core deposits | 114.9981% | 693 |
| Total domestic deposits to total assets | 75.5400% | 4,059 |
| Equity capital to assets | 8.4245% | 2,769 |
| Core capital (leverage) ratio | 11.7200% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5143% | 884 |
| Memoranda: | ||
| Average total assets | $173,061,000 | 3,185 |
| Average earning assets | $161,162,250 | 3,173 |
| Average equity | $15,673,500 | 3,202 |
| Average total loans | $107,450,000 | 3,098 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8680% | 1,841 |
| Cost of funding earning assets | 1.9721% | 522 |
| Net interest margin | 2.8959% | 3,651 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.5803% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2651% | 1,653 |
| Return on assets (ROA) | 1.2571% | 1,667 |
| Pretax return on assets | 1.2710% | 2,158 |
| Return on Equity (ROE) | 13.5600% | 1,778 |
| Retained earnings to average equity (ytd only) | 2.0248% | 3,720 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.2674% | 3,502 |
| Assets per employee ($millions) | 15.5404% | 173 |
| Cash dividends to net income (ytd only)* | 85.0691% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 1,598 |
| Loan loss allowance to noncurrent loans | 1,194.3089% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 1,999 |
| Noncurrent loans to loans | 0.1157% | 2,899 |
| Net loans and leases to total assets | 61.3500% | 2,635 |
| Net loans and leases to deposits | 81.5871% | 1,860 |
| Net loans and leases to core deposits | 111.0021% | 783 |
| Total domestic deposits to total assets | 75.2000% | 4,102 |
| Equity capital to assets | 9.3060% | 2,308 |
| Core capital (leverage) ratio | 11.7727% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7262% | 301 |
| Memoranda: | ||
| Average total assets | $172,624,000 | 3,197 |
| Average earning assets | $160,846,333 | 3,187 |
| Average equity | $16,001,333 | 3,189 |
| Average total loans | $106,517,333 | 3,100 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 1,838 |
| Cost of funding earning assets | 1.7955% | 456 |
| Net interest margin | 2.9099% | 3,779 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.5173% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3235% | 1,609 |
| Return on assets (ROA) | 1.3144% | 1,606 |
| Pretax return on assets | 1.3282% | 2,093 |
| Return on Equity (ROE) | 14.2100% | 1,738 |
| Retained earnings to average equity (ytd only) | -3.2901% | 4,255 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.1502% | 3,691 |
| Assets per employee ($millions) | 15.6944% | 175 |
| Cash dividends to net income (ytd only)* | 123.1579% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 1,607 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 2,352 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 59.8000% | 2,678 |
| Net loans and leases to deposits | 78.5375% | 1,925 |
| Net loans and leases to core deposits | 110.3696% | 693 |
| Total domestic deposits to total assets | 76.1400% | 4,153 |
| Equity capital to assets | 9.4568% | 2,175 |
| Core capital (leverage) ratio | 11.5585% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6919% | 1,212 |
| Memoranda: | ||
| Average total assets | $173,464,000 | 3,237 |
| Average earning assets | $161,516,000 | 3,224 |
| Average equity | $16,048,000 | 3,213 |
| Average total loans | $106,603,000 | 3,131 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 1,203 |
| Cost of funding earning assets | 0.7839% | 413 |
| Net interest margin | 3.4384% | 2,136 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.5417% | 4,379 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.6358% | 631 |
| Return on assets (ROA) | 1.5814% | 688 |
| Pretax return on assets | 1.6773% | 977 |
| Return on Equity (ROE) | 16.4500% | 970 |
| Retained earnings to average equity (ytd only) | 10.2021% | 1,097 |
| Net charge-offs to loans | 0.0693% | 951 |
| Credit loss provision to net charge-offs | 240.2778% | 1,017 |
| Earnings coverage of net charge-offs (x) | 43.6389% | 1,450 |
| Efficiency ratio | 45.6401% | 4,364 |
| Assets per employee ($millions) | 15.8445% | 171 |
| Cash dividends to net income (ytd only)* | 37.9897% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 1,668 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 2,398 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 61.4100% | 2,500 |
| Net loans and leases to deposits | 80.0796% | 1,766 |
| Net loans and leases to core deposits | 108.5118% | 659 |
| Total domestic deposits to total assets | 76.6900% | 4,207 |
| Equity capital to assets | 9.0481% | 2,327 |
| Core capital (leverage) ratio | 11.6744% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7940% | 1,161 |
| Memoranda: | ||
| Average total assets | $171,112,000 | 3,264 |
| Average earning assets | $159,581,000 | 3,250 |
| Average equity | $16,447,600 | 3,239 |
| Average total loans | $103,828,400 | 3,097 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 1,158 |
| Cost of funding earning assets | 0.6340% | 365 |
| Net interest margin | 3.4172% | 1,925 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.5469% | 4,368 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.5813% | 684 |
| Return on assets (ROA) | 1.5813% | 666 |
| Pretax return on assets | 1.6776% | 947 |
| Return on Equity (ROE) | 16.2100% | 937 |
| Retained earnings to average equity (ytd only) | 7.9515% | 2,019 |
| Net charge-offs to loans | 0.1805% | 374 |
| Credit loss provision to net charge-offs | 124.4604% | 1,203 |
| Earnings coverage of net charge-offs (x) | 16.6619% | 1,813 |
| Efficiency ratio | 46.0391% | 4,378 |
| Assets per employee ($millions) | 15.4975% | 183 |
| Cash dividends to net income (ytd only)* | 50.9406% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,729 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 2,263 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 59.3400% | 2,576 |
| Net loans and leases to deposits | 77.7929% | 1,732 |
| Net loans and leases to core deposits | 100.8383% | 783 |
| Total domestic deposits to total assets | 76.2800% | 4,357 |
| Equity capital to assets | 8.4489% | 2,581 |
| Core capital (leverage) ratio | 11.2376% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2020% | 1,368 |
| Memoranda: | ||
| Average total assets | $170,317,500 | 3,294 |
| Average earning assets | $158,997,750 | 3,277 |
| Average equity | $16,617,000 | 3,266 |
| Average total loans | $102,659,250 | 3,116 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 1,141 |
| Cost of funding earning assets | 0.5434% | 409 |
| Net interest margin | 3.3396% | 1,790 |
| Noninterest income to average assets | 0.1468% | 4,283 |
| Noninterest expense to average assets | 1.4847% | 4,436 |
| Loan and lease loss provision to assets | 0.2032% | 406 |
| Net operating income to assets | 1.5634% | 602 |
| Return on assets (ROA) | 1.5634% | 585 |
| Pretax return on assets | 1.5775% | 992 |
| Return on Equity (ROE) | 15.3385% | 829 |
| Retained earnings to average equity (ytd only) | 6.0732% | 2,314 |
| Net charge-offs to loans | -0.0682% | 4,344 |
| Credit loss provision to net charge-offs | -494.2857% | 3,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4676% | 4,476 |
| Assets per employee ($millions) | 14.2998% | 223 |
| Cash dividends to net income (ytd only)* | 60.4057% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 1,329 |
| Loan loss allowance to noncurrent loans | 112.0910% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 433 |
| Noncurrent loans to loans | 1.3655% | 562 |
| Net loans and leases to total assets | 59.0858% | 2,433 |
| Net loans and leases to deposits | 78.8917% | 1,477 |
| Net loans and leases to core deposits | 100.5853% | 652 |
| Total domestic deposits to total assets | 74.8948% | 4,510 |
| Equity capital to assets | 9.0147% | 2,377 |
| Core capital (leverage) ratio | 10.9543% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0973% | 1,163 |
| Memoranda: | ||
| Average total assets | $170,266,000 | 3,335 |
| Average earning assets | $159,000,667 | 3,321 |
| Average equity | $17,355,000 | 3,288 |
| Average total loans | $102,690,000 | 3,150 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 1,134 |
| Cost of funding earning assets | 0.5032% | 483 |
| Net interest margin | 3.2719% | 1,640 |
| Noninterest income to average assets | 0.1509% | 4,243 |
| Noninterest expense to average assets | 1.3750% | 4,558 |
| Loan and lease loss provision to assets | 0.3750% | 148 |
| Net operating income to assets | 1.4387% | 728 |
| Return on assets (ROA) | 1.4387% | 725 |
| Pretax return on assets | 1.4528% | 1,122 |
| Return on Equity (ROE) | 13.3348% | 970 |
| Retained earnings to average equity (ytd only) | 1.5302% | 3,679 |
| Net charge-offs to loans | -0.1365% | 4,530 |
| Credit loss provision to net charge-offs | -454.2857% | 3,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9308% | 4,585 |
| Assets per employee ($millions) | 14.1490% | 239 |
| Cash dividends to net income (ytd only)* | 88.5246% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 1,520 |
| Loan loss allowance to noncurrent loans | 111.0953% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.0967% | 434 |
| Noncurrent loans to loans | 1.3601% | 636 |
| Net loans and leases to total assets | 59.9624% | 2,069 |
| Net loans and leases to deposits | 80.2733% | 1,129 |
| Net loans and leases to core deposits | 101.3771% | 461 |
| Total domestic deposits to total assets | 74.6979% | 4,553 |
| Equity capital to assets | 10.0985% | 1,827 |
| Core capital (leverage) ratio | 10.8183% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9635% | 1,525 |
| Memoranda: | ||
| Average total assets | $169,600,000 | 3,350 |
| Average earning assets | $158,197,000 | 3,346 |
| Average equity | $18,298,000 | 3,299 |
| Average total loans | $102,552,000 | 3,152 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 1,401 |
| Cost of funding earning assets | 0.5981% | 550 |
| Net interest margin | 3.3839% | 2,082 |
| Noninterest income to average assets | 0.1645% | 4,332 |
| Noninterest expense to average assets | 1.5259% | 4,511 |
| Loan and lease loss provision to assets | 0.3460% | 220 |
| Net operating income to assets | 1.3439% | 1,466 |
| Return on assets (ROA) | 1.3456% | 1,495 |
| Pretax return on assets | 1.4442% | 1,901 |
| Return on Equity (ROE) | 11.5572% | 1,963 |
| Retained earnings to average equity (ytd only) | 5.6452% | 2,502 |
| Net charge-offs to loans | 0.5944% | 136 |
| Credit loss provision to net charge-offs | 96.5986% | 1,840 |
| Earnings coverage of net charge-offs (x) | 4.9932% | 2,470 |
| Efficiency ratio | 46.0393% | 4,500 |
| Assets per employee ($millions) | 12.1009% | 386 |
| Cash dividends to net income (ytd only)* | 51.1544% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 2,163 |
| Loan loss allowance to noncurrent loans | 97.2973% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.4019% | 315 |
| Noncurrent loans to loans | 1.3820% | 676 |
| Net loans and leases to total assets | 59.2431% | 2,238 |
| Net loans and leases to deposits | 79.8970% | 1,227 |
| Net loans and leases to core deposits | 102.9353% | 438 |
| Total domestic deposits to total assets | 74.1494% | 4,581 |
| Equity capital to assets | 11.4809% | 1,518 |
| Core capital (leverage) ratio | 10.8780% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8304% | 1,304 |
| Memoranda: | ||
| Average total assets | $164,168,600 | 3,355 |
| Average earning assets | $152,814,000 | 3,349 |
| Average equity | $19,113,600 | 3,291 |
| Average total loans | $98,925,400 | 3,209 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 1,409 |
| Cost of funding earning assets | 0.6226% | 568 |
| Net interest margin | 3.4345% | 2,056 |
| Noninterest income to average assets | 0.1670% | 4,365 |
| Noninterest expense to average assets | 1.4573% | 4,636 |
| Loan and lease loss provision to assets | 0.2806% | 298 |
| Net operating income to assets | 1.6163% | 999 |
| Return on assets (ROA) | 1.6341% | 1,000 |
| Pretax return on assets | 1.6488% | 1,553 |
| Return on Equity (ROE) | 13.9850% | 1,397 |
| Retained earnings to average equity (ytd only) | 6.0676% | 2,789 |
| Net charge-offs to loans | -0.0163% | 3,881 |
| Credit loss provision to net charge-offs | -2,858.3333% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2564% | 4,613 |
| Assets per employee ($millions) | 12.8396% | 316 |
| Cash dividends to net income (ytd only)* | 56.6132% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 1,025 |
| Loan loss allowance to noncurrent loans | 290.9850% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 1,126 |
| Noncurrent loans to loans | 0.5986% | 1,816 |
| Net loans and leases to total assets | 58.9042% | 2,382 |
| Net loans and leases to deposits | 80.0189% | 1,292 |
| Net loans and leases to core deposits | 104.2099% | 450 |
| Total domestic deposits to total assets | 73.6129% | 4,654 |
| Equity capital to assets | 11.6928% | 1,544 |
| Core capital (leverage) ratio | 10.9942% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8204% | 1,384 |
| Memoranda: | ||
| Average total assets | $162,857,750 | 3,403 |
| Average earning assets | $151,829,000 | 3,394 |
| Average equity | $19,029,500 | 3,342 |
| Average total loans | $98,223,500 | 3,265 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 1,269 |
| Cost of funding earning assets | 0.6574% | 544 |
| Net interest margin | 3.4889% | 1,882 |
| Noninterest income to average assets | 0.1697% | 4,357 |
| Noninterest expense to average assets | 1.4712% | 4,650 |
| Loan and lease loss provision to assets | 0.4248% | 136 |
| Net operating income to assets | 1.5123% | 1,261 |
| Return on assets (ROA) | 1.5393% | 1,257 |
| Pretax return on assets | 1.5541% | 1,861 |
| Return on Equity (ROE) | 13.1764% | 1,655 |
| Retained earnings to average equity (ytd only) | 3.5830% | 3,656 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9812% | 4,662 |
| Assets per employee ($millions) | 11.7103% | 385 |
| Cash dividends to net income (ytd only)* | 72.8077% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 963 |
| Loan loss allowance to noncurrent loans | 298.4483% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 1,247 |
| Noncurrent loans to loans | 0.5881% | 1,931 |
| Net loans and leases to total assets | 59.1001% | 2,532 |
| Net loans and leases to deposits | 81.1197% | 1,317 |
| Net loans and leases to core deposits | 105.6851% | 479 |
| Total domestic deposits to total assets | 72.8554% | 4,693 |
| Equity capital to assets | 11.6137% | 1,565 |
| Core capital (leverage) ratio | 10.7981% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3644% | 1,515 |
| Memoranda: | ||
| Average total assets | $161,505,333 | 3,421 |
| Average earning assets | $150,590,000 | 3,407 |
| Average equity | $18,867,000 | 3,348 |
| Average total loans | $97,610,333 | 3,288 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 1,525 |
| Cost of funding earning assets | 0.6932% | 565 |
| Net interest margin | 3.3484% | 2,257 |
| Noninterest income to average assets | 0.1797% | 4,296 |
| Noninterest expense to average assets | 1.4424% | 4,699 |
| Loan and lease loss provision to assets | 0.1098% | 1,261 |
| Net operating income to assets | 1.7344% | 891 |
| Return on assets (ROA) | 1.7344% | 942 |
| Pretax return on assets | 1.7494% | 1,396 |
| Return on Equity (ROE) | 14.8026% | 1,256 |
| Retained earnings to average equity (ytd only) | 3.2374% | 3,710 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6886% | 4,598 |
| Assets per employee ($millions) | 12.5091% | 307 |
| Cash dividends to net income (ytd only)* | 78.1295% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,842 |
| Loan loss allowance to noncurrent loans | 246.8966% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 1,396 |
| Noncurrent loans to loans | 0.5791% | 2,121 |
| Net loans and leases to total assets | 60.7079% | 2,443 |
| Net loans and leases to deposits | 82.9841% | 1,249 |
| Net loans and leases to core deposits | 108.0488% | 459 |
| Total domestic deposits to total assets | 73.1561% | 4,698 |
| Equity capital to assets | 11.4643% | 1,561 |
| Core capital (leverage) ratio | 10.8761% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4944% | 1,431 |
| Memoranda: | ||
| Average total assets | $160,286,000 | 3,429 |
| Average earning assets | $149,445,000 | 3,423 |
| Average equity | $18,780,500 | 3,350 |
| Average total loans | $97,104,500 | 3,307 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 1,523 |
| Cost of funding earning assets | 1.1170% | 375 |
| Net interest margin | 3.3028% | 3,061 |
| Noninterest income to average assets | 0.1478% | 4,554 |
| Noninterest expense to average assets | 1.5372% | 4,752 |
| Loan and lease loss provision to assets | 0.3721% | 881 |
| Net operating income to assets | 1.2967% | 1,259 |
| Return on assets (ROA) | 1.3281% | 1,280 |
| Pretax return on assets | 1.3445% | 1,838 |
| Return on Equity (ROE) | 11.4771% | 1,475 |
| Retained earnings to average equity (ytd only) | 5.4621% | 2,066 |
| Net charge-offs to loans | 0.3735% | 462 |
| Credit loss provision to net charge-offs | 158.8732% | 2,374 |
| Earnings coverage of net charge-offs (x) | 7.1944% | 2,716 |
| Efficiency ratio | 47.7068% | 4,647 |
| Assets per employee ($millions) | 12.1503% | 311 |
| Cash dividends to net income (ytd only)* | 52.4093% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,668 |
| Loan loss allowance to noncurrent loans | 239.3103% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 1,504 |
| Noncurrent loans to loans | 0.6167% | 2,150 |
| Net loans and leases to total assets | 58.6671% | 3,015 |
| Net loans and leases to deposits | 80.0358% | 1,863 |
| Net loans and leases to core deposits | 105.2448% | 676 |
| Total domestic deposits to total assets | 73.3011% | 4,668 |
| Equity capital to assets | 11.9769% | 1,579 |
| Core capital (leverage) ratio | 11.0205% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7395% | 1,330 |
| Memoranda: | ||
| Average total assets | $151,575,200 | 3,386 |
| Average earning assets | $141,091,400 | 3,373 |
| Average equity | $17,539,200 | 3,415 |
| Average total loans | $95,034,400 | 3,314 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 1,523 |
| Cost of funding earning assets | 1.2023% | 369 |
| Net interest margin | 3.3146% | 3,140 |
| Noninterest income to average assets | 0.1556% | 4,513 |
| Noninterest expense to average assets | 1.5219% | 4,786 |
| Loan and lease loss provision to assets | 0.5014% | 582 |
| Net operating income to assets | 1.2023% | 1,630 |
| Return on assets (ROA) | 1.2410% | 1,636 |
| Pretax return on assets | 1.2570% | 2,201 |
| Return on Equity (ROE) | 10.8249% | 1,741 |
| Retained earnings to average equity (ytd only) | 2.6442% | 3,669 |
| Net charge-offs to loans | 0.4968% | 300 |
| Credit loss provision to net charge-offs | 158.8732% | 2,278 |
| Earnings coverage of net charge-offs (x) | 5.4479% | 2,730 |
| Efficiency ratio | 46.9556% | 4,666 |
| Assets per employee ($millions) | 11.9380% | 326 |
| Cash dividends to net income (ytd only)* | 75.5731% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 1,647 |
| Loan loss allowance to noncurrent loans | 237.6712% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 1,534 |
| Noncurrent loans to loans | 0.5979% | 2,307 |
| Net loans and leases to total assets | 62.0456% | 3,006 |
| Net loans and leases to deposits | 84.8843% | 1,821 |
| Net loans and leases to core deposits | 112.2207% | 623 |
| Total domestic deposits to total assets | 73.0943% | 4,630 |
| Equity capital to assets | 11.7685% | 1,830 |
| Core capital (leverage) ratio | 10.8046% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2851% | 1,422 |
| Memoranda: | ||
| Average total assets | $149,980,500 | 3,389 |
| Average earning assets | $139,619,750 | 3,372 |
| Average equity | $17,194,500 | 3,445 |
| Average total loans | $95,279,250 | 3,318 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6423% | 1,557 |
| Cost of funding earning assets | 1.2899% | 376 |
| Net interest margin | 3.3524% | 3,240 |
| Noninterest income to average assets | 0.1552% | 4,521 |
| Noninterest expense to average assets | 1.5664% | 4,808 |
| Loan and lease loss provision to assets | 0.7609% | 333 |
| Net operating income to assets | 0.9330% | 2,565 |
| Return on assets (ROA) | 0.9700% | 2,554 |
| Pretax return on assets | 0.9862% | 3,069 |
| Return on Equity (ROE) | 8.5402% | 2,545 |
| Retained earnings to average equity (ytd only) | -0.7958% | 4,445 |
| Net charge-offs to loans | 0.6478% | 245 |
| Credit loss provision to net charge-offs | 184.3137% | 1,983 |
| Earnings coverage of net charge-offs (x) | 4.1405% | 2,623 |
| Efficiency ratio | 47.8171% | 4,642 |
| Assets per employee ($millions) | 11.6967% | 336 |
| Cash dividends to net income (ytd only)* | 109.3185% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 1,262 |
| Loan loss allowance to noncurrent loans | 249.9130% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 1,618 |
| Noncurrent loans to loans | 0.6007% | 2,345 |
| Net loans and leases to total assets | 62.0024% | 3,125 |
| Net loans and leases to deposits | 85.1978% | 1,856 |
| Net loans and leases to core deposits | 116.1429% | 532 |
| Total domestic deposits to total assets | 72.7747% | 4,666 |
| Equity capital to assets | 11.6410% | 1,878 |
| Core capital (leverage) ratio | 10.8737% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9437% | 1,502 |
| Memoranda: | ||
| Average total assets | $148,242,667 | 3,388 |
| Average earning assets | $137,991,667 | 3,372 |
| Average equity | $16,838,000 | 3,475 |
| Average total loans | $94,479,333 | 3,323 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 1,797 |
| Cost of funding earning assets | 1.3889% | 416 |
| Net interest margin | 3.2828% | 3,635 |
| Noninterest income to average assets | 0.1585% | 4,581 |
| Noninterest expense to average assets | 1.5116% | 4,914 |
| Loan and lease loss provision to assets | 1.1972% | 151 |
| Net operating income to assets | 0.4916% | 3,916 |
| Return on assets (ROA) | 0.5658% | 3,762 |
| Pretax return on assets | 0.5822% | 3,947 |
| Return on Equity (ROE) | 5.0468% | 3,614 |
| Retained earnings to average equity (ytd only) | -8.1187% | 4,693 |
| Net charge-offs to loans | 1.0441% | 151 |
| Credit loss provision to net charge-offs | 178.7755% | 1,478 |
| Earnings coverage of net charge-offs (x) | 2.5429% | 2,275 |
| Efficiency ratio | 47.0238% | 4,794 |
| Assets per employee ($millions) | 11.1983% | 293 |
| Cash dividends to net income (ytd only)* | 260.8696% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 1,521 |
| Loan loss allowance to noncurrent loans | 1,358.4158% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 2,571 |
| Noncurrent loans to loans | 0.1071% | 4,086 |
| Net loans and leases to total assets | 63.8627% | 3,080 |
| Net loans and leases to deposits | 88.2135% | 1,736 |
| Net loans and leases to core deposits | 127.1402% | 317 |
| Total domestic deposits to total assets | 72.3956% | 4,755 |
| Equity capital to assets | 10.7118% | 3,123 |
| Core capital (leverage) ratio | 10.9234% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8455% | 1,645 |
| Memoranda: | ||
| Average total assets | $146,335,500 | 3,377 |
| Average earning assets | $136,225,500 | 3,369 |
| Average equity | $16,406,500 | 3,523 |
| Average total loans | $93,861,000 | 3,323 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 2,039 |
| Cost of funding earning assets | 1.4865% | 415 |
| Net interest margin | 3.3128% | 3,963 |
| Noninterest income to average assets | 0.1855% | 4,557 |
| Noninterest expense to average assets | 1.6699% | 4,902 |
| Loan and lease loss provision to assets | 0.2033% | 1,000 |
| Net operating income to assets | 1.3736% | 1,436 |
| Return on assets (ROA) | 1.3871% | 1,465 |
| Pretax return on assets | 1.4035% | 2,146 |
| Return on Equity (ROE) | 12.2751% | 1,407 |
| Retained earnings to average equity (ytd only) | 5.5922% | 2,106 |
| Net charge-offs to loans | 0.2601% | 796 |
| Credit loss provision to net charge-offs | 125.3165% | 2,038 |
| Earnings coverage of net charge-offs (x) | 9.8186% | 2,630 |
| Efficiency ratio | 51.1750% | 4,657 |
| Assets per employee ($millions) | 10.5066% | 323 |
| Cash dividends to net income (ytd only)* | 54.4423% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,103 |
| Loan loss allowance to noncurrent loans | 1,901.6129% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 4,132 |
| Noncurrent loans to loans | 0.0664% | 4,273 |
| Net loans and leases to total assets | 62.6821% | 3,338 |
| Net loans and leases to deposits | 86.0566% | 2,079 |
| Net loans and leases to core deposits | 121.7866% | 432 |
| Total domestic deposits to total assets | 72.8383% | 4,835 |
| Equity capital to assets | 11.7062% | 2,348 |
| Core capital (leverage) ratio | 11.1878% | 2,348 |
| Tier 1 risk-based capital ratio | 15.1165% | 2,732 |
| Total risk-based capital ratio | 16.2063% | 2,737 |
| Memoranda: | ||
| Average total assets | $146,058,600 | 3,345 |
| Average earning assets | $135,685,400 | 3,343 |
| Average equity | $16,505,000 | 3,495 |
| Average total loans | $91,128,800 | 3,373 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8055% | 2,101 |
| Cost of funding earning assets | 1.4823% | 431 |
| Net interest margin | 3.3233% | 4,053 |
| Noninterest income to average assets | 0.1719% | 4,685 |
| Noninterest expense to average assets | 1.6424% | 4,976 |
| Loan and lease loss provision to assets | 0.2405% | 690 |
| Net operating income to assets | 1.3562% | 1,627 |
| Return on assets (ROA) | 1.3580% | 1,684 |
| Pretax return on assets | 1.3745% | 2,406 |
| Return on Equity (ROE) | 12.1272% | 1,571 |
| Retained earnings to average equity (ytd only) | 3.1196% | 3,843 |
| Net charge-offs to loans | 0.3430% | 493 |
| Credit loss provision to net charge-offs | 112.8755% | 2,059 |
| Earnings coverage of net charge-offs (x) | 7.5708% | 2,730 |
| Efficiency ratio | 50.4494% | 4,715 |
| Assets per employee ($millions) | 10.6146% | 297 |
| Cash dividends to net income (ytd only)* | 74.2761% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 2,220 |
| Loan loss allowance to noncurrent loans | 495.2586% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 3,956 |
| Noncurrent loans to loans | 0.2530% | 3,632 |
| Net loans and leases to total assets | 60.9354% | 3,603 |
| Net loans and leases to deposits | 85.0495% | 2,314 |
| Net loans and leases to core deposits | 119.9266% | 542 |
| Total domestic deposits to total assets | 71.6470% | 4,935 |
| Equity capital to assets | 11.5508% | 2,630 |
| Core capital (leverage) ratio | 10.8395% | 2,800 |
| Tier 1 risk-based capital ratio | 15.1677% | 2,769 |
| Total risk-based capital ratio | 16.2478% | 2,782 |
| Memoranda: | ||
| Average total assets | $145,800,000 | 3,386 |
| Average earning assets | $135,285,000 | 3,382 |
| Average equity | $16,326,500 | 3,539 |
| Average total loans | $90,566,000 | 3,426 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 2,128 |
| Cost of funding earning assets | 1.4522% | 445 |
| Net interest margin | 3.3274% | 4,083 |
| Noninterest income to average assets | 0.1671% | 4,751 |
| Noninterest expense to average assets | 1.7326% | 4,947 |
| Loan and lease loss provision to assets | 0.2223% | 742 |
| Net operating income to assets | 1.2799% | 1,852 |
| Return on assets (ROA) | 1.2840% | 1,894 |
| Pretax return on assets | 1.3005% | 2,555 |
| Return on Equity (ROE) | 11.5910% | 1,748 |
| Retained earnings to average equity (ytd only) | 0.1246% | 4,655 |
| Net charge-offs to loans | 0.0865% | 1,499 |
| Credit loss provision to net charge-offs | 412.8205% | 696 |
| Earnings coverage of net charge-offs (x) | 28.2051% | 1,516 |
| Efficiency ratio | 53.2909% | 4,534 |
| Assets per employee ($millions) | 10.5657% | 298 |
| Cash dividends to net income (ytd only)* | 98.9247% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 1,828 |
| Loan loss allowance to noncurrent loans | 264.6055% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 3,269 |
| Noncurrent loans to loans | 0.5088% | 2,754 |
| Net loans and leases to total assets | 61.4826% | 3,604 |
| Net loans and leases to deposits | 84.6024% | 2,420 |
| Net loans and leases to core deposits | 117.0750% | 645 |
| Total domestic deposits to total assets | 72.6724% | 4,928 |
| Equity capital to assets | 11.1756% | 2,888 |
| Core capital (leverage) ratio | 10.7535% | 2,836 |
| Tier 1 risk-based capital ratio | 14.7307% | 2,948 |
| Total risk-based capital ratio | 15.8905% | 2,924 |
| Memoranda: | ||
| Average total assets | $144,865,000 | 3,414 |
| Average earning assets | $134,278,000 | 3,418 |
| Average equity | $16,047,000 | 3,575 |
| Average total loans | $90,187,330 | 3,454 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 2,105 |
| Cost of funding earning assets | 1.4064% | 444 |
| Net interest margin | 3.3258% | 4,102 |
| Noninterest income to average assets | 0.1563% | 4,803 |
| Noninterest expense to average assets | 1.5041% | 5,170 |
| Loan and lease loss provision to assets | 0.1395% | 1,235 |
| Net operating income to assets | 1.5711% | 960 |
| Return on assets (ROA) | 1.5711% | 988 |
| Pretax return on assets | 1.5879% | 1,501 |
| Return on Equity (ROE) | 14.2487% | 914 |
| Retained earnings to average equity (ytd only) | -1.2654% | 4,681 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5458% | 5,005 |
| Assets per employee ($millions) | 10.3115% | 310 |
| Cash dividends to net income (ytd only)* | 108.8810% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,135 |
| Loan loss allowance to noncurrent loans | 303.6364% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 3,551 |
| Noncurrent loans to loans | 0.4249% | 3,064 |
| Net loans and leases to total assets | 61.9489% | 3,508 |
| Net loans and leases to deposits | 83.2844% | 2,471 |
| Net loans and leases to core deposits | 113.3862% | 766 |
| Total domestic deposits to total assets | 74.3823% | 4,904 |
| Equity capital to assets | 11.1096% | 2,739 |
| Core capital (leverage) ratio | 11.0579% | 2,520 |
| Tier 1 risk-based capital ratio | 14.9331% | 2,906 |
| Total risk-based capital ratio | 16.0439% | 2,902 |
| Memoranda: | ||
| Average total assets | $143,337,500 | 3,478 |
| Average earning assets | $132,539,000 | 3,476 |
| Average equity | $15,805,000 | 3,602 |
| Average total loans | $89,188,000 | 3,507 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6370% | 2,032 |
| Cost of funding earning assets | 1.2131% | 320 |
| Net interest margin | 3.4238% | 3,929 |
| Noninterest income to average assets | 0.1872% | 4,790 |
| Noninterest expense to average assets | 1.6784% | 5,118 |
| Loan and lease loss provision to assets | 0.0885% | 2,375 |
| Net operating income to assets | 1.5708% | 946 |
| Return on assets (ROA) | 1.5701% | 941 |
| Pretax return on assets | 1.5922% | 1,494 |
| Return on Equity (ROE) | 14.3574% | 966 |
| Retained earnings to average equity (ytd only) | 8.4594% | 1,059 |
| Net charge-offs to loans | 0.1011% | 1,747 |
| Credit loss provision to net charge-offs | 137.9310% | 1,949 |
| Earnings coverage of net charge-offs (x) | 26.2184% | 1,735 |
| Efficiency ratio | 49.9561% | 4,944 |
| Assets per employee ($millions) | 10.9472% | 264 |
| Cash dividends to net income (ytd only)* | 41.0798% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,167 |
| Loan loss allowance to noncurrent loans | 299.1979% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 3,532 |
| Noncurrent loans to loans | 0.4261% | 3,010 |
| Net loans and leases to total assets | 60.8921% | 3,677 |
| Net loans and leases to deposits | 84.0556% | 2,506 |
| Net loans and leases to core deposits | 114.3713% | 764 |
| Total domestic deposits to total assets | 72.4426% | 5,051 |
| Equity capital to assets | 10.9420% | 2,744 |
| Core capital (leverage) ratio | 11.3243% | 2,246 |
| Tier 1 risk-based capital ratio | 15.2746% | 2,710 |
| Total risk-based capital ratio | 16.3615% | 2,715 |
| Memoranda: | ||
| Average total assets | $135,662,200 | 3,569 |
| Average earning assets | $125,707,400 | 3,563 |
| Average equity | $14,835,600 | 3,658 |
| Average total loans | $86,041,200 | 3,552 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 1,926 |
| Cost of funding earning assets | 1.1539% | 318 |
| Net interest margin | 3.4650% | 3,823 |
| Noninterest income to average assets | 0.1900% | 4,836 |
| Noninterest expense to average assets | 1.6646% | 5,161 |
| Loan and lease loss provision to assets | 0.0189% | 3,629 |
| Net operating income to assets | 1.7084% | 731 |
| Return on assets (ROA) | 1.7104% | 732 |
| Pretax return on assets | 1.7263% | 1,215 |
| Return on Equity (ROE) | 15.6430% | 761 |
| Retained earnings to average equity (ytd only) | 7.6805% | 1,806 |
| Net charge-offs to loans | 0.0187% | 2,772 |
| Credit loss provision to net charge-offs | 158.3333% | 1,637 |
| Earnings coverage of net charge-offs (x) | 145.9963% | 560 |
| Efficiency ratio | 48.8467% | 5,010 |
| Assets per employee ($millions) | 10.4250% | 289 |
| Cash dividends to net income (ytd only)* | 50.9019% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,297 |
| Loan loss allowance to noncurrent loans | 2,101.9231% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 4,790 |
| Noncurrent loans to loans | 0.0601% | 4,621 |
| Net loans and leases to total assets | 63.0607% | 3,535 |
| Net loans and leases to deposits | 86.3847% | 2,333 |
| Net loans and leases to core deposits | 116.9653% | 669 |
| Total domestic deposits to total assets | 72.9998% | 5,059 |
| Equity capital to assets | 10.9626% | 2,695 |
| Core capital (leverage) ratio | 11.3520% | 2,286 |
| Tier 1 risk-based capital ratio | 15.2979% | 2,742 |
| Total risk-based capital ratio | 16.3882% | 2,745 |
| Memoranda: | ||
| Average total assets | $133,999,250 | 3,621 |
| Average earning assets | $124,442,500 | 3,617 |
| Average equity | $14,651,500 | 3,705 |
| Average total loans | $85,607,250 | 3,586 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 1,842 |
| Cost of funding earning assets | 1.0929% | 302 |
| Net interest margin | 3.4870% | 3,676 |
| Noninterest income to average assets | 0.1798% | 4,926 |
| Noninterest expense to average assets | 1.7080% | 5,194 |
| Loan and lease loss provision to assets | 0.0180% | 3,543 |
| Net operating income to assets | 1.6735% | 761 |
| Return on assets (ROA) | 1.6690% | 779 |
| Pretax return on assets | 1.6855% | 1,253 |
| Return on Equity (ROE) | 15.2781% | 797 |
| Retained earnings to average equity (ytd only) | 6.0070% | 2,558 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 5,027 |
| Assets per employee ($millions) | 8.9931% | 447 |
| Cash dividends to net income (ytd only)* | 60.6822% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,311 |
| Loan loss allowance to noncurrent loans | 2,111.5385% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 4,835 |
| Noncurrent loans to loans | 0.0602% | 4,651 |
| Net loans and leases to total assets | 63.1879% | 3,493 |
| Net loans and leases to deposits | 85.8069% | 2,339 |
| Net loans and leases to core deposits | 113.6189% | 808 |
| Total domestic deposits to total assets | 73.6397% | 5,079 |
| Equity capital to assets | 10.8654% | 2,769 |
| Core capital (leverage) ratio | 11.0320% | 2,492 |
| Tier 1 risk-based capital ratio | 15.0525% | 2,849 |
| Total risk-based capital ratio | 16.1588% | 2,839 |
| Memoranda: | ||
| Average total assets | $133,490,670 | 3,653 |
| Average earning assets | $123,888,330 | 3,646 |
| Average equity | $14,583,000 | 3,737 |
| Average total loans | $85,291,000 | 3,618 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 1,933 |
| Cost of funding earning assets | 1.0166% | 343 |
| Net interest margin | 3.4623% | 3,666 |
| Noninterest income to average assets | 0.1687% | 5,015 |
| Noninterest expense to average assets | 1.6297% | 5,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7347% | 635 |
| Return on assets (ROA) | 1.6989% | 699 |
| Pretax return on assets | 1.7140% | 1,081 |
| Return on Equity (ROE) | 15.5094% | 703 |
| Retained earnings to average equity (ytd only) | 4.7298% | 3,295 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2175% | 5,187 |
| Assets per employee ($millions) | 9.4631% | 379 |
| Cash dividends to net income (ytd only)* | 69.5035% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 63.9448% | 3,315 |
| Net loans and leases to deposits | 88.4365% | 1,876 |
| Net loans and leases to core deposits | 117.8444% | 659 |
| Total domestic deposits to total assets | 72.3059% | 5,266 |
| Equity capital to assets | 10.8882% | 2,693 |
| Core capital (leverage) ratio | 11.1417% | 2,292 |
| Tier 1 risk-based capital ratio | 14.9017% | 2,917 |
| Total risk-based capital ratio | 16.0047% | 2,923 |
| Memoranda: | ||
| Average total assets | $132,788,000 | 3,697 |
| Average earning assets | $123,156,000 | 3,692 |
| Average equity | $14,546,000 | 3,768 |
| Average total loans | $84,768,500 | 3,656 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 1,885 |
| Cost of funding earning assets | 0.9176% | 341 |
| Net interest margin | 3.5313% | 3,424 |
| Noninterest income to average assets | 0.1793% | 5,059 |
| Noninterest expense to average assets | 1.6657% | 5,367 |
| Loan and lease loss provision to assets | 0.0071% | 4,123 |
| Net operating income to assets | 1.7808% | 443 |
| Return on assets (ROA) | 1.8049% | 426 |
| Pretax return on assets | 1.8206% | 752 |
| Return on Equity (ROE) | 16.2430% | 452 |
| Retained earnings to average equity (ytd only) | 6.4972% | 1,280 |
| Net charge-offs to loans | 0.0038% | 3,970 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 764.3333% | 110 |
| Efficiency ratio | 48.0163% | 5,317 |
| Assets per employee ($millions) | 9.5066% | 375 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 2,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 62.0987% | 3,609 |
| Net loans and leases to deposits | 85.7524% | 2,290 |
| Net loans and leases to core deposits | 113.7179% | 811 |
| Total domestic deposits to total assets | 72.4163% | 5,299 |
| Equity capital to assets | 11.0201% | 2,604 |
| Core capital (leverage) ratio | 11.2477% | 2,130 |
| Tier 1 risk-based capital ratio | 15.1465% | 2,775 |
| Total risk-based capital ratio | 16.2807% | 2,766 |
| Memoranda: | ||
| Average total assets | $127,153,600 | 3,793 |
| Average earning assets | $118,455,600 | 3,774 |
| Average equity | $14,129,200 | 3,828 |
| Average total loans | $79,848,600 | 3,752 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 1,820 |
| Cost of funding earning assets | 0.9026% | 337 |
| Net interest margin | 3.5377% | 3,357 |
| Noninterest income to average assets | 0.1740% | 5,145 |
| Noninterest expense to average assets | 1.6180% | 5,440 |
| Loan and lease loss provision to assets | 0.0095% | 3,944 |
| Net operating income to assets | 1.8275% | 444 |
| Return on assets (ROA) | 1.8821% | 407 |
| Pretax return on assets | 1.9034% | 684 |
| Return on Equity (ROE) | 16.9011% | 439 |
| Retained earnings to average equity (ytd only) | 3.7823% | 3,671 |
| Net charge-offs to loans | 0.0169% | 3,174 |
| Credit loss provision to net charge-offs | 90.0000% | 2,461 |
| Earnings coverage of net charge-offs (x) | 175.1395% | 486 |
| Efficiency ratio | 46.5507% | 5,401 |
| Assets per employee ($millions) | 9.1541% | 412 |
| Cash dividends to net income (ytd only)* | 77.6212% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 2,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 61.7324% | 3,677 |
| Net loans and leases to deposits | 84.6430% | 2,477 |
| Net loans and leases to core deposits | 112.5535% | 904 |
| Total domestic deposits to total assets | 72.9326% | 5,319 |
| Equity capital to assets | 11.2681% | 2,602 |
| Core capital (leverage) ratio | 10.9851% | 2,476 |
| Tier 1 risk-based capital ratio | 15.5545% | 2,689 |
| Total risk-based capital ratio | 16.7549% | 2,659 |
| Memoranda: | ||
| Average total assets | $125,668,750 | 3,854 |
| Average earning assets | $117,287,500 | 3,836 |
| Average equity | $13,994,750 | 3,883 |
| Average total loans | $78,877,000 | 3,802 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 1,756 |
| Cost of funding earning assets | 0.8705% | 365 |
| Net interest margin | 3.5488% | 3,218 |
| Noninterest income to average assets | 0.1746% | 5,178 |
| Noninterest expense to average assets | 1.6373% | 5,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8288% | 428 |
| Return on assets (ROA) | 1.9161% | 368 |
| Pretax return on assets | 1.9369% | 605 |
| Return on Equity (ROE) | 17.2757% | 386 |
| Retained earnings to average equity (ytd only) | 1.2422% | 4,751 |
| Net charge-offs to loans | 0.0255% | 2,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 115.4000% | 593 |
| Efficiency ratio | 46.9669% | 5,437 |
| Assets per employee ($millions) | 9.0710% | 414 |
| Cash dividends to net income (ytd only)* | 92.8094% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 2,128 |
| Loan loss allowance to noncurrent loans | 249.4172% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,766 |
| Noncurrent loans to loans | 0.5446% | 3,112 |
| Net loans and leases to total assets | 61.1887% | 3,723 |
| Net loans and leases to deposits | 83.5171% | 2,542 |
| Net loans and leases to core deposits | 111.5344% | 929 |
| Total domestic deposits to total assets | 73.2649% | 5,359 |
| Equity capital to assets | 11.1974% | 2,594 |
| Core capital (leverage) ratio | 10.9885% | 2,419 |
| Tier 1 risk-based capital ratio | 15.1278% | 2,873 |
| Total risk-based capital ratio | 16.3111% | 2,839 |
| Memoranda: | ||
| Average total assets | $124,839,000 | 3,882 |
| Average earning assets | $116,491,330 | 3,873 |
| Average equity | $13,846,000 | 3,910 |
| Average total loans | $78,438,000 | 3,826 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 1,781 |
| Cost of funding earning assets | 0.8625% | 350 |
| Net interest margin | 3.4979% | 3,279 |
| Noninterest income to average assets | 0.1681% | 5,268 |
| Noninterest expense to average assets | 1.5837% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8531% | 406 |
| Return on assets (ROA) | 1.9715% | 334 |
| Pretax return on assets | 1.9942% | 512 |
| Return on Equity (ROE) | 17.8637% | 349 |
| Retained earnings to average equity (ytd only) | -1.1714% | 5,091 |
| Net charge-offs to loans | 0.0511% | 1,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 823 |
| Efficiency ratio | 45.7944% | 5,540 |
| Assets per employee ($millions) | 8.7441% | 462 |
| Cash dividends to net income (ytd only)* | 106.5574% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 2,270 |
| Loan loss allowance to noncurrent loans | 246.5438% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 3,786 |
| Noncurrent loans to loans | 0.5510% | 3,160 |
| Net loans and leases to total assets | 63.4740% | 3,336 |
| Net loans and leases to deposits | 84.9120% | 2,168 |
| Net loans and leases to core deposits | 115.3394% | 618 |
| Total domestic deposits to total assets | 74.7527% | 5,357 |
| Equity capital to assets | 11.1986% | 2,433 |
| Core capital (leverage) ratio | 10.9307% | 2,438 |
| Tier 1 risk-based capital ratio | 15.1298% | 2,908 |
| Total risk-based capital ratio | 16.3243% | 2,862 |
| Memoranda: | ||
| Average total assets | $123,761,500 | 3,933 |
| Average earning assets | $116,411,500 | 3,911 |
| Average equity | $13,659,000 | 3,970 |
| Average total loans | $78,269,000 | 3,858 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 1,670 |
| Cost of funding earning assets | 0.7501% | 632 |
| Net interest margin | 3.7046% | 2,676 |
| Noninterest income to average assets | 0.1919% | 5,254 |
| Noninterest expense to average assets | 1.6704% | 5,589 |
| Loan and lease loss provision to assets | 0.1787% | 1,346 |
| Net operating income to assets | 1.7957% | 451 |
| Return on assets (ROA) | 1.8112% | 458 |
| Pretax return on assets | 1.8326% | 734 |
| Return on Equity (ROE) | 16.0333% | 506 |
| Retained earnings to average equity (ytd only) | 7.0506% | 1,211 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5628% | 5,653 |
| Assets per employee ($millions) | 9.6235% | 349 |
| Cash dividends to net income (ytd only)* | 56.0255% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 2,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.2960% | 3,689 |
| Net loans and leases to deposits | 83.9115% | 2,428 |
| Net loans and leases to core deposits | 110.7877% | 846 |
| Total domestic deposits to total assets | 73.0485% | 5,497 |
| Equity capital to assets | 10.8780% | 2,732 |
| Core capital (leverage) ratio | 10.9318% | 2,405 |
| Tier 1 risk-based capital ratio | 15.0960% | 2,926 |
| Total risk-based capital ratio | 16.2954% | 2,877 |
| Memoranda: | ||
| Average total assets | $121,411,600 | 3,968 |
| Average earning assets | $113,858,200 | 3,931 |
| Average equity | $13,715,200 | 3,986 |
| Average total loans | $78,060,000 | 3,847 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 1,676 |
| Cost of funding earning assets | 0.7382% | 672 |
| Net interest margin | 3.7179% | 2,649 |
| Noninterest income to average assets | 0.1959% | 5,290 |
| Noninterest expense to average assets | 1.6555% | 5,638 |
| Loan and lease loss provision to assets | 0.2401% | 799 |
| Net operating income to assets | 1.7675% | 521 |
| Return on assets (ROA) | 1.7916% | 527 |
| Pretax return on assets | 1.8137% | 875 |
| Return on Equity (ROE) | 15.7084% | 580 |
| Retained earnings to average equity (ytd only) | 3.7549% | 3,632 |
| Net charge-offs to loans | 0.0171% | 3,381 |
| Credit loss provision to net charge-offs | 2,170.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 183.4411% | 395 |
| Efficiency ratio | 44.9249% | 5,714 |
| Assets per employee ($millions) | 9.3995% | 362 |
| Cash dividends to net income (ytd only)* | 76.0967% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 2,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 63.8105% | 3,430 |
| Net loans and leases to deposits | 86.6057% | 2,198 |
| Net loans and leases to core deposits | 111.3997% | 841 |
| Total domestic deposits to total assets | 73.6793% | 5,464 |
| Equity capital to assets | 11.5506% | 2,472 |
| Core capital (leverage) ratio | 10.6484% | 2,827 |
| Tier 1 risk-based capital ratio | 14.1802% | 3,465 |
| Total risk-based capital ratio | 15.3461% | 3,430 |
| Memoranda: | ||
| Average total assets | $120,488,000 | 4,006 |
| Average earning assets | $113,073,000 | 3,971 |
| Average equity | $13,741,750 | 4,010 |
| Average total loans | $78,133,750 | 3,871 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 1,523 |
| Cost of funding earning assets | 0.7213% | 718 |
| Net interest margin | 3.7756% | 2,423 |
| Noninterest income to average assets | 0.1851% | 5,386 |
| Noninterest expense to average assets | 1.6344% | 5,736 |
| Loan and lease loss provision to assets | 0.3219% | 534 |
| Net operating income to assets | 1.7431% | 528 |
| Return on assets (ROA) | 1.7679% | 536 |
| Pretax return on assets | 1.7895% | 901 |
| Return on Equity (ROE) | 15.5680% | 599 |
| Retained earnings to average equity (ytd only) | 1.2924% | 4,873 |
| Net charge-offs to loans | 0.0257% | 2,964 |
| Credit loss provision to net charge-offs | 1,930.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 125.1000% | 474 |
| Efficiency ratio | 43.9265% | 5,814 |
| Assets per employee ($millions) | 9.3088% | 352 |
| Cash dividends to net income (ytd only)* | 91.6981% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 2,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 63.4913% | 3,438 |
| Net loans and leases to deposits | 86.7955% | 2,157 |
| Net loans and leases to core deposits | 108.8964% | 987 |
| Total domestic deposits to total assets | 73.1504% | 5,595 |
| Equity capital to assets | 11.4449% | 2,602 |
| Core capital (leverage) ratio | 10.6525% | 2,788 |
| Tier 1 risk-based capital ratio | 14.2471% | 3,471 |
| Total risk-based capital ratio | 15.4193% | 3,427 |
| Memoranda: | ||
| Average total assets | $119,919,670 | 4,044 |
| Average earning assets | $112,300,000 | 4,013 |
| Average equity | $13,617,670 | 4,053 |
| Average total loans | $77,831,000 | 3,911 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 1,364 |
| Cost of funding earning assets | 0.6887% | 852 |
| Net interest margin | 3.8701% | 2,037 |
| Noninterest income to average assets | 0.1776% | 5,431 |
| Noninterest expense to average assets | 1.6620% | 5,779 |
| Loan and lease loss provision to assets | 0.2614% | 657 |
| Net operating income to assets | 1.8466% | 440 |
| Return on assets (ROA) | 1.8731% | 447 |
| Pretax return on assets | 1.8966% | 696 |
| Return on Equity (ROE) | 16.5611% | 482 |
| Retained earnings to average equity (ytd only) | 0.1481% | 5,073 |
| Net charge-offs to loans | 0.0566% | 1,951 |
| Credit loss provision to net charge-offs | 709.0909% | 481 |
| Earnings coverage of net charge-offs (x) | 57.8182% | 805 |
| Efficiency ratio | 43.8163% | 5,880 |
| Assets per employee ($millions) | 9.0408% | 382 |
| Cash dividends to net income (ytd only)* | 99.1055% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 64.6048% | 3,163 |
| Net loans and leases to deposits | 87.6011% | 1,872 |
| Net loans and leases to core deposits | 111.8954% | 757 |
| Total domestic deposits to total assets | 73.7488% | 5,627 |
| Equity capital to assets | 11.5647% | 2,378 |
| Core capital (leverage) ratio | 10.6351% | 2,812 |
| Tier 1 risk-based capital ratio | 14.4429% | 3,420 |
| Total risk-based capital ratio | 15.5064% | 3,457 |
| Memoranda: | ||
| Average total assets | $119,372,000 | 4,082 |
| Average earning assets | $111,522,000 | 4,062 |
| Average equity | $13,501,500 | 4,079 |
| Average total loans | $77,806,500 | 3,924 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 1,492 |
| Cost of funding earning assets | 0.6605% | 1,017 |
| Net interest margin | 3.8774% | 2,106 |
| Noninterest income to average assets | 0.1461% | 5,681 |
| Noninterest expense to average assets | 1.6616% | 5,879 |
| Loan and lease loss provision to assets | 0.1930% | 1,142 |
| Net operating income to assets | 1.8986% | 407 |
| Return on assets (ROA) | 1.9416% | 392 |
| Pretax return on assets | 1.9642% | 579 |
| Return on Equity (ROE) | 17.2817% | 432 |
| Retained earnings to average equity (ytd only) | 7.9327% | 939 |
| Net charge-offs to loans | 0.0789% | 2,687 |
| Credit loss provision to net charge-offs | 376.2712% | 793 |
| Earnings coverage of net charge-offs (x) | 41.2034% | 1,148 |
| Efficiency ratio | 44.0120% | 5,980 |
| Assets per employee ($millions) | 8.6581% | 441 |
| Cash dividends to net income (ytd only)* | 54.0976% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 4,075 |
| Loan loss allowance to noncurrent loans | 1,215.4930% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 5,425 |
| Noncurrent loans to loans | 0.0902% | 5,132 |
| Net loans and leases to total assets | 64.2583% | 3,236 |
| Net loans and leases to deposits | 86.9473% | 2,010 |
| Net loans and leases to core deposits | 110.8597% | 818 |
| Total domestic deposits to total assets | 73.9048% | 5,659 |
| Equity capital to assets | 11.0639% | 2,759 |
| Core capital (leverage) ratio | 10.5112% | 2,916 |
| Tier 1 risk-based capital ratio | 14.0666% | 3,677 |
| Total risk-based capital ratio | 15.0280% | 3,767 |
| Memoranda: | ||
| Average total assets | $115,008,600 | 4,160 |
| Average earning assets | $107,648,200 | 4,100 |
| Average equity | $12,921,200 | 4,158 |
| Average total loans | $74,792,600 | 3,975 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 1,484 |
| Cost of funding earning assets | 0.6473% | 1,108 |
| Net interest margin | 3.8928% | 2,056 |
| Noninterest income to average assets | 0.1610% | 5,681 |
| Noninterest expense to average assets | 1.6922% | 5,907 |
| Loan and lease loss provision to assets | 0.2068% | 957 |
| Net operating income to assets | 1.8924% | 433 |
| Return on assets (ROA) | 1.9367% | 417 |
| Pretax return on assets | 1.9602% | 650 |
| Return on Equity (ROE) | 17.1679% | 458 |
| Retained earnings to average equity (ytd only) | 4.6254% | 3,180 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3623% | 6,028 |
| Assets per employee ($millions) | 8.4375% | 451 |
| Cash dividends to net income (ytd only)* | 73.0581% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 4,048 |
| Loan loss allowance to noncurrent loans | 530.9091% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 5,059 |
| Noncurrent loans to loans | 0.2133% | 4,800 |
| Net loans and leases to total assets | 64.7517% | 3,191 |
| Net loans and leases to deposits | 88.2510% | 1,867 |
| Net loans and leases to core deposits | 112.9208% | 714 |
| Total domestic deposits to total assets | 73.3723% | 5,760 |
| Equity capital to assets | 10.9520% | 3,077 |
| Core capital (leverage) ratio | 10.2683% | 3,283 |
| Tier 1 risk-based capital ratio | 13.7657% | 3,984 |
| Total risk-based capital ratio | 14.7669% | 4,060 |
| Memoranda: | ||
| Average total assets | $113,457,250 | 4,235 |
| Average earning assets | $106,483,750 | 4,169 |
| Average equity | $12,798,750 | 4,220 |
| Average total loans | $73,802,500 | 4,039 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 1,433 |
| Cost of funding earning assets | 0.6325% | 1,215 |
| Net interest margin | 3.9036% | 1,963 |
| Noninterest income to average assets | 0.1501% | 5,811 |
| Noninterest expense to average assets | 1.6479% | 6,018 |
| Loan and lease loss provision to assets | 0.1591% | 1,336 |
| Net operating income to assets | 1.9824% | 375 |
| Return on assets (ROA) | 2.0125% | 372 |
| Pretax return on assets | 2.0357% | 560 |
| Return on Equity (ROE) | 17.6590% | 435 |
| Retained earnings to average equity (ytd only) | 2.8543% | 4,218 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2255% | 6,141 |
| Assets per employee ($millions) | 8.8719% | 391 |
| Cash dividends to net income (ytd only)* | 83.8366% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 4,577 |
| Loan loss allowance to noncurrent loans | 805.1020% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 5,343 |
| Noncurrent loans to loans | 0.1310% | 5,226 |
| Net loans and leases to total assets | 64.1748% | 3,244 |
| Net loans and leases to deposits | 86.4259% | 2,014 |
| Net loans and leases to core deposits | 104.2817% | 1,170 |
| Total domestic deposits to total assets | 74.2541% | 5,762 |
| Equity capital to assets | 10.8918% | 3,000 |
| Core capital (leverage) ratio | 10.2737% | 3,249 |
| Tier 1 risk-based capital ratio | 13.7083% | 4,091 |
| Total risk-based capital ratio | 14.6263% | 4,222 |
| Memoranda: | ||
| Average total assets | $111,901,330 | 4,303 |
| Average earning assets | $104,980,330 | 4,246 |
| Average equity | $12,752,670 | 4,250 |
| Average total loans | $72,615,330 | 4,094 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 1,517 |
| Cost of funding earning assets | 0.5970% | 1,459 |
| Net interest margin | 3.8843% | 1,949 |
| Noninterest income to average assets | 0.1234% | 5,982 |
| Noninterest expense to average assets | 1.6772% | 6,038 |
| Loan and lease loss provision to assets | 0.1452% | 1,401 |
| Net operating income to assets | 1.9137% | 397 |
| Return on assets (ROA) | 1.9640% | 380 |
| Pretax return on assets | 1.9894% | 598 |
| Return on Equity (ROE) | 16.8431% | 484 |
| Retained earnings to average equity (ytd only) | 0.5293% | 5,215 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5946% | 6,157 |
| Assets per employee ($millions) | 8.5882% | 418 |
| Cash dividends to net income (ytd only)* | 96.8577% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 4,964 |
| Loan loss allowance to noncurrent loans | 747.4747% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 5,392 |
| Noncurrent loans to loans | 0.1350% | 5,294 |
| Net loans and leases to total assets | 65.0064% | 2,935 |
| Net loans and leases to deposits | 87.3359% | 1,687 |
| Net loans and leases to core deposits | 106.5194% | 904 |
| Total domestic deposits to total assets | 74.4326% | 5,874 |
| Equity capital to assets | 11.5535% | 2,416 |
| Core capital (leverage) ratio | 10.4826% | 2,984 |
| Tier 1 risk-based capital ratio | 14.0133% | 4,001 |
| Total risk-based capital ratio | 14.9058% | 4,150 |
| Memoranda: | ||
| Average total assets | $110,184,500 | 4,364 |
| Average earning assets | $103,184,500 | 4,322 |
| Average equity | $12,848,000 | 4,265 |
| Average total loans | $71,520,500 | 4,145 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 2,107 |
| Cost of funding earning assets | 0.5666% | 2,076 |
| Net interest margin | 3.8704% | 2,359 |
| Noninterest income to average assets | 0.1844% | 5,753 |
| Noninterest expense to average assets | 1.7410% | 6,126 |
| Loan and lease loss provision to assets | 0.2499% | 910 |
| Net operating income to assets | 1.7897% | 485 |
| Return on assets (ROA) | 1.8189% | 477 |
| Pretax return on assets | 1.8388% | 729 |
| Return on Equity (ROE) | 15.8501% | 640 |
| Retained earnings to average equity (ytd only) | 6.6084% | 1,590 |
| Net charge-offs to loans | 0.3514% | 1,245 |
| Credit loss provision to net charge-offs | 113.8528% | 2,092 |
| Earnings coverage of net charge-offs (x) | 9.3810% | 2,756 |
| Efficiency ratio | 45.8115% | 6,270 |
| Assets per employee ($millions) | 8.3633% | 465 |
| Cash dividends to net income (ytd only)* | 58.3072% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 5,026 |
| Loan loss allowance to noncurrent loans | 693.0693% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 5,278 |
| Noncurrent loans to loans | 0.1449% | 5,312 |
| Net loans and leases to total assets | 63.4861% | 3,293 |
| Net loans and leases to deposits | 84.7295% | 2,133 |
| Net loans and leases to core deposits | 101.6060% | 1,275 |
| Total domestic deposits to total assets | 74.9280% | 5,867 |
| Equity capital to assets | 11.7703% | 2,196 |
| Core capital (leverage) ratio | 10.7309% | 2,692 |
| Tier 1 risk-based capital ratio | 13.4567% | 4,441 |
| Total risk-based capital ratio | 14.2686% | 4,631 |
| Memoranda: | ||
| Average total assets | $105,229,000 | 4,470 |
| Average earning assets | $98,310,200 | 4,445 |
| Average equity | $12,075,600 | 4,347 |
| Average total loans | $65,737,800 | 4,308 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 2,191 |
| Cost of funding earning assets | 0.5601% | 2,192 |
| Net interest margin | 3.8471% | 2,442 |
| Noninterest income to average assets | 0.1865% | 5,805 |
| Noninterest expense to average assets | 1.7389% | 6,169 |
| Loan and lease loss provision to assets | 0.1661% | 1,493 |
| Net operating income to assets | 1.8554% | 457 |
| Return on assets (ROA) | 1.8781% | 451 |
| Pretax return on assets | 1.9024% | 718 |
| Return on Equity (ROE) | 16.4767% | 620 |
| Retained earnings to average equity (ytd only) | 3.9679% | 3,824 |
| Net charge-offs to loans | 0.0288% | 3,907 |
| Credit loss provision to net charge-offs | 928.5714% | 348 |
| Earnings coverage of net charge-offs (x) | 114.3337% | 517 |
| Efficiency ratio | 45.9487% | 6,293 |
| Assets per employee ($millions) | 8.1839% | 475 |
| Cash dividends to net income (ytd only)* | 75.9183% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 4,499 |
| Loan loss allowance to noncurrent loans | 208.5106% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 4,743 |
| Noncurrent loans to loans | 0.5517% | 4,268 |
| Net loans and leases to total assets | 63.3193% | 3,294 |
| Net loans and leases to deposits | 83.5226% | 2,221 |
| Net loans and leases to core deposits | 99.1858% | 1,434 |
| Total domestic deposits to total assets | 75.8109% | 5,844 |
| Equity capital to assets | 11.6100% | 2,386 |
| Core capital (leverage) ratio | 10.5192% | 3,018 |
| Tier 1 risk-based capital ratio | 13.6008% | 4,473 |
| Total risk-based capital ratio | 14.5565% | 4,608 |
| Memoranda: | ||
| Average total assets | $104,355,500 | 4,535 |
| Average earning assets | $97,594,250 | 4,506 |
| Average equity | $11,895,250 | 4,408 |
| Average total loans | $64,741,250 | 4,379 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4215% | 2,101 |
| Cost of funding earning assets | 0.5480% | 2,365 |
| Net interest margin | 3.8735% | 2,285 |
| Noninterest income to average assets | 0.2083% | 5,708 |
| Noninterest expense to average assets | 1.6378% | 6,326 |
| Loan and lease loss provision to assets | 0.1871% | 1,302 |
| Net operating income to assets | 1.9716% | 357 |
| Return on assets (ROA) | 1.9792% | 364 |
| Pretax return on assets | 2.0043% | 549 |
| Return on Equity (ROE) | 17.4742% | 505 |
| Retained earnings to average equity (ytd only) | 2.4014% | 4,678 |
| Net charge-offs to loans | 0.0157% | 3,915 |
| Credit loss provision to net charge-offs | 1,940.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 226.4000% | 300 |
| Efficiency ratio | 42.8571% | 6,456 |
| Assets per employee ($millions) | 7.5014% | 629 |
| Cash dividends to net income (ytd only)* | 86.2573% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 4,580 |
| Loan loss allowance to noncurrent loans | 752.4752% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 5,708 |
| Noncurrent loans to loans | 0.1551% | 5,547 |
| Net loans and leases to total assets | 61.2708% | 3,528 |
| Net loans and leases to deposits | 79.1386% | 2,640 |
| Net loans and leases to core deposits | 92.9573% | 1,868 |
| Total domestic deposits to total assets | 77.4222% | 5,733 |
| Equity capital to assets | 11.5893% | 2,336 |
| Core capital (leverage) ratio | 10.5102% | 2,936 |
| Tier 1 risk-based capital ratio | 14.0472% | 4,232 |
| Total risk-based capital ratio | 15.0227% | 4,356 |
| Memoranda: | ||
| Average total assets | $103,677,000 | 4,593 |
| Average earning assets | $96,708,330 | 4,562 |
| Average equity | $11,743,000 | 4,446 |
| Average total loans | $63,605,000 | 4,439 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 2,127 |
| Cost of funding earning assets | 0.5415% | 2,487 |
| Net interest margin | 3.8615% | 2,223 |
| Noninterest income to average assets | 0.2291% | 5,521 |
| Noninterest expense to average assets | 1.6815% | 6,360 |
| Loan and lease loss provision to assets | 0.1592% | 1,528 |
| Net operating income to assets | 1.9649% | 360 |
| Return on assets (ROA) | 1.9649% | 375 |
| Pretax return on assets | 1.9882% | 545 |
| Return on Equity (ROE) | 17.5557% | 473 |
| Retained earnings to average equity (ytd only) | 0.6939% | 5,316 |
| Net charge-offs to loans | 0.0445% | 2,760 |
| Credit loss provision to net charge-offs | 585.7143% | 484 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 544 |
| Efficiency ratio | 43.9148% | 6,504 |
| Assets per employee ($millions) | 7.9796% | 491 |
| Cash dividends to net income (ytd only)* | 96.0474% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 5,129 |
| Loan loss allowance to noncurrent loans | 585.8333% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 5,733 |
| Noncurrent loans to loans | 0.1874% | 5,534 |
| Net loans and leases to total assets | 61.0411% | 3,389 |
| Net loans and leases to deposits | 79.3884% | 2,383 |
| Net loans and leases to core deposits | 91.1290% | 1,813 |
| Total domestic deposits to total assets | 76.8892% | 5,978 |
| Equity capital to assets | 11.2479% | 2,482 |
| Core capital (leverage) ratio | 10.6058% | 2,802 |
| Tier 1 risk-based capital ratio | 14.2853% | 4,140 |
| Total risk-based capital ratio | 15.2132% | 4,298 |
| Memoranda: | ||
| Average total assets | $103,006,000 | 4,651 |
| Average earning assets | $96,025,000 | 4,627 |
| Average equity | $11,529,000 | 4,503 |
| Average total loans | $62,854,500 | 4,502 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 2,314 |
| Cost of funding earning assets | 0.5498% | 3,113 |
| Net interest margin | 3.9215% | 2,212 |
| Noninterest income to average assets | 0.2008% | 5,883 |
| Noninterest expense to average assets | 1.7106% | 6,430 |
| Loan and lease loss provision to assets | 0.1252% | 2,748 |
| Net operating income to assets | 2.0081% | 336 |
| Return on assets (ROA) | 2.0532% | 313 |
| Pretax return on assets | 2.0790% | 408 |
| Return on Equity (ROE) | 17.3533% | 466 |
| Retained earnings to average equity (ytd only) | 8.7379% | 839 |
| Net charge-offs to loans | 0.2044% | 2,837 |
| Credit loss provision to net charge-offs | 101.6807% | 2,377 |
| Earnings coverage of net charge-offs (x) | 17.5294% | 1,709 |
| Efficiency ratio | 44.2097% | 6,610 |
| Assets per employee ($millions) | 7.8675% | 506 |
| Cash dividends to net income (ytd only)* | 49.6472% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 5,234 |
| Loan loss allowance to noncurrent loans | 785.8824% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 5,896 |
| Noncurrent loans to loans | 0.1378% | 5,797 |
| Net loans and leases to total assets | 59.6586% | 3,776 |
| Net loans and leases to deposits | 75.0886% | 3,084 |
| Net loans and leases to core deposits | 84.4432% | 2,630 |
| Total domestic deposits to total assets | 79.4509% | 5,566 |
| Equity capital to assets | 11.1364% | 2,492 |
| Core capital (leverage) ratio | 10.7993% | 2,576 |
| Tier 1 risk-based capital ratio | 14.4812% | 3,965 |
| Total risk-based capital ratio | 15.3767% | 4,158 |
| Memoranda: | ||
| Average total assets | $96,631,000 | 4,824 |
| Average earning assets | $90,400,000 | 4,763 |
| Average equity | $11,433,000 | 4,555 |
| Average total loans | $58,231,800 | 4,677 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 2,373 |
| Cost of funding earning assets | 0.5522% | 3,241 |
| Net interest margin | 3.9117% | 2,230 |
| Noninterest income to average assets | 0.2212% | 5,843 |
| Noninterest expense to average assets | 1.7195% | 6,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.1515% | 282 |
| Return on assets (ROA) | 2.2194% | 257 |
| Pretax return on assets | 2.2404% | 354 |
| Return on Equity (ROE) | 18.4667% | 405 |
| Retained earnings to average equity (ytd only) | 6.9905% | 1,880 |
| Net charge-offs to loans | -0.0302% | 6,166 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1886% | 6,649 |
| Assets per employee ($millions) | 6.9315% | 777 |
| Cash dividends to net income (ytd only)* | 62.1451% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 5,861 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.3889% | 3,636 |
| Net loans and leases to deposits | 76.5409% | 2,876 |
| Net loans and leases to core deposits | 87.9105% | 2,203 |
| Total domestic deposits to total assets | 78.8976% | 5,761 |
| Equity capital to assets | 11.4467% | 2,336 |
| Core capital (leverage) ratio | 10.7421% | 2,736 |
| Tier 1 risk-based capital ratio | 14.4337% | 4,120 |
| Total risk-based capital ratio | 15.3757% | 4,285 |
| Memoranda: | ||
| Average total assets | $95,219,500 | 4,902 |
| Average earning assets | $89,335,750 | 4,836 |
| Average equity | $11,443,750 | 4,601 |
| Average total loans | $57,368,500 | 4,749 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 2,316 |
| Cost of funding earning assets | 0.5543% | 3,366 |
| Net interest margin | 3.9142% | 2,171 |
| Noninterest income to average assets | 0.2050% | 5,977 |
| Noninterest expense to average assets | 1.6425% | 6,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2140% | 249 |
| Return on assets (ROA) | 2.2915% | 231 |
| Pretax return on assets | 2.3126% | 343 |
| Return on Equity (ROE) | 18.7614% | 404 |
| Retained earnings to average equity (ytd only) | 6.0230% | 2,428 |
| Net charge-offs to loans | -0.0458% | 6,231 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3664% | 6,746 |
| Assets per employee ($millions) | 6.9491% | 732 |
| Cash dividends to net income (ytd only)* | 67.8967% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,157 |
| Loan loss allowance to noncurrent loans | 1,385.7143% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 5,914 |
| Noncurrent loans to loans | 0.0843% | 6,141 |
| Net loans and leases to total assets | 59.0757% | 3,816 |
| Net loans and leases to deposits | 73.5607% | 3,220 |
| Net loans and leases to core deposits | 84.6635% | 2,469 |
| Total domestic deposits to total assets | 80.3088% | 5,536 |
| Equity capital to assets | 11.6819% | 2,145 |
| Core capital (leverage) ratio | 10.6582% | 2,710 |
| Tier 1 risk-based capital ratio | 14.3347% | 4,201 |
| Total risk-based capital ratio | 15.2934% | 4,351 |
| Memoranda: | ||
| Average total assets | $94,612,330 | 4,945 |
| Average earning assets | $88,754,670 | 4,878 |
| Average equity | $11,555,670 | 4,616 |
| Average total loans | $56,731,000 | 4,793 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 2,074 |
| Cost of funding earning assets | 0.5484% | 3,588 |
| Net interest margin | 3.9801% | 1,865 |
| Noninterest income to average assets | 0.2016% | 6,037 |
| Noninterest expense to average assets | 1.7282% | 6,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1871% | 251 |
| Return on assets (ROA) | 2.1871% | 273 |
| Pretax return on assets | 2.2085% | 416 |
| Return on Equity (ROE) | 17.5092% | 473 |
| Retained earnings to average equity (ytd only) | 5.5961% | 2,903 |
| Net charge-offs to loans | -0.0928% | 6,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8998% | 6,778 |
| Assets per employee ($millions) | 7.7973% | 529 |
| Cash dividends to net income (ytd only)* | 68.0392% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 5,154 |
| Loan loss allowance to noncurrent loans | 1,044.6154% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 5,910 |
| Noncurrent loans to loans | 0.1155% | 6,126 |
| Net loans and leases to total assets | 59.4242% | 3,532 |
| Net loans and leases to deposits | 72.1233% | 3,171 |
| Net loans and leases to core deposits | 82.3721% | 2,525 |
| Total domestic deposits to total assets | 82.3925% | 5,060 |
| Equity capital to assets | 12.5930% | 1,657 |
| Core capital (leverage) ratio | 10.9381% | 2,309 |
| Tier 1 risk-based capital ratio | 14.5569% | 4,134 |
| Total risk-based capital ratio | 15.5485% | 4,258 |
| Memoranda: | ||
| Average total assets | $93,275,000 | 5,024 |
| Average earning assets | $87,534,500 | 4,946 |
| Average equity | $11,651,000 | 4,640 |
| Average total loans | $56,020,500 | 4,860 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 1,927 |
| Cost of funding earning assets | 0.7125% | 3,388 |
| Net interest margin | 4.1625% | 1,769 |
| Noninterest income to average assets | 0.2335% | 5,775 |
| Noninterest expense to average assets | 1.7731% | 6,653 |
| Loan and lease loss provision to assets | 0.1145% | 4,204 |
| Net operating income to assets | 2.2207% | 246 |
| Return on assets (ROA) | 2.2252% | 265 |
| Pretax return on assets | 2.2492% | 367 |
| Return on Equity (ROE) | 18.0347% | 441 |
| Retained earnings to average equity (ytd only) | 9.8709% | 619 |
| Net charge-offs to loans | -0.0171% | 6,530 |
| Credit loss provision to net charge-offs | -1,111.1111% | 6,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9086% | 6,879 |
| Assets per employee ($millions) | 7.1525% | 724 |
| Cash dividends to net income (ytd only)* | 45.2675% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 5,137 |
| Loan loss allowance to noncurrent loans | 1,024.6154% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 6,011 |
| Noncurrent loans to loans | 0.1166% | 6,193 |
| Net loans and leases to total assets | 59.2523% | 3,736 |
| Net loans and leases to deposits | 69.9269% | 3,727 |
| Net loans and leases to core deposits | 79.1592% | 3,124 |
| Total domestic deposits to total assets | 84.7347% | 3,976 |
| Equity capital to assets | 12.3884% | 1,795 |
| Core capital (leverage) ratio | 10.8493% | 2,389 |
| Tier 1 risk-based capital ratio | 14.8025% | 3,831 |
| Total risk-based capital ratio | 15.8081% | 3,948 |
| Memoranda: | ||
| Average total assets | $87,362,800 | 5,154 |
| Average earning assets | $81,826,600 | 5,077 |
| Average equity | $10,779,200 | 4,800 |
| Average total loans | $52,781,200 | 4,989 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 1,920 |
| Cost of funding earning assets | 0.7448% | 3,391 |
| Net interest margin | 4.1798% | 1,801 |
| Noninterest income to average assets | 0.2218% | 5,966 |
| Noninterest expense to average assets | 1.7853% | 6,692 |
| Loan and lease loss provision to assets | 0.1551% | 3,586 |
| Net operating income to assets | 2.1840% | 291 |
| Return on assets (ROA) | 2.1902% | 326 |
| Pretax return on assets | 2.2134% | 470 |
| Return on Equity (ROE) | 17.7702% | 531 |
| Retained earnings to average equity (ytd only) | 6.6953% | 2,284 |
| Net charge-offs to loans | -0.1204% | 6,898 |
| Credit loss provision to net charge-offs | -212.7660% | 6,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0441% | 6,929 |
| Assets per employee ($millions) | 7.4006% | 622 |
| Cash dividends to net income (ytd only)* | 62.3227% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 4,866 |
| Loan loss allowance to noncurrent loans | 273.9300% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 5,980 |
| Noncurrent loans to loans | 0.4702% | 5,513 |
| Net loans and leases to total assets | 60.7520% | 3,621 |
| Net loans and leases to deposits | 74.0539% | 3,276 |
| Net loans and leases to core deposits | 83.2400% | 2,789 |
| Total domestic deposits to total assets | 82.0375% | 5,010 |
| Equity capital to assets | 12.4979% | 1,889 |
| Core capital (leverage) ratio | 10.7865% | 2,621 |
| Tier 1 risk-based capital ratio | 14.1146% | 4,444 |
| Total risk-based capital ratio | 15.1863% | 4,528 |
| Memoranda: | ||
| Average total assets | $85,958,000 | 5,240 |
| Average earning assets | $80,734,500 | 5,155 |
| Average equity | $10,594,250 | 4,891 |
| Average total loans | $52,036,500 | 5,074 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0200% | 1,731 |
| Cost of funding earning assets | 0.7920% | 3,256 |
| Net interest margin | 4.2280% | 1,673 |
| Noninterest income to average assets | 0.2188% | 6,001 |
| Noninterest expense to average assets | 1.7739% | 6,779 |
| Loan and lease loss provision to assets | 0.2353% | 2,718 |
| Net operating income to assets | 2.1786% | 292 |
| Return on assets (ROA) | 2.1810% | 328 |
| Pretax return on assets | 2.1810% | 503 |
| Return on Equity (ROE) | 17.7825% | 531 |
| Retained earnings to average equity (ytd only) | 4.9875% | 3,289 |
| Net charge-offs to loans | 0.0235% | 5,070 |
| Credit loss provision to net charge-offs | 1,666.6667% | 194 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 266 |
| Efficiency ratio | 42.3596% | 7,010 |
| Assets per employee ($millions) | 6.5831% | 913 |
| Cash dividends to net income (ytd only)* | 71.9525% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 4,983 |
| Loan loss allowance to noncurrent loans | 251.3514% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 6,008 |
| Noncurrent loans to loans | 0.5093% | 5,514 |
| Net loans and leases to total assets | 58.6644% | 4,051 |
| Net loans and leases to deposits | 69.6170% | 3,950 |
| Net loans and leases to core deposits | 78.9424% | 3,368 |
| Total domestic deposits to total assets | 84.2674% | 4,206 |
| Equity capital to assets | 12.5719% | 1,769 |
| Core capital (leverage) ratio | 10.6014% | 2,709 |
| Tier 1 risk-based capital ratio | 14.4485% | 4,132 |
| Total risk-based capital ratio | 15.4935% | 4,242 |
| Memoranda: | ||
| Average total assets | $85,008,330 | 5,304 |
| Average earning assets | $79,801,000 | 5,212 |
| Average equity | $10,426,000 | 4,930 |
| Average total loans | $51,163,330 | 5,140 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 1,636 |
| Cost of funding earning assets | 0.8206% | 3,308 |
| Net interest margin | 4.2591% | 1,596 |
| Noninterest income to average assets | 0.2125% | 6,101 |
| Noninterest expense to average assets | 1.8696% | 6,697 |
| Loan and lease loss provision to assets | 0.1983% | 2,960 |
| Net operating income to assets | 2.1387% | 324 |
| Return on assets (ROA) | 2.1387% | 379 |
| Pretax return on assets | 2.1387% | 593 |
| Return on Equity (ROE) | 17.6617% | 588 |
| Retained earnings to average equity (ytd only) | 4.7176% | 3,736 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4444% | 6,969 |
| Assets per employee ($millions) | 6.5107% | 974 |
| Cash dividends to net income (ytd only)* | 73.2892% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 5,711 |
| Loan loss allowance to noncurrent loans | 1,274.4681% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 6,755 |
| Noncurrent loans to loans | 0.0902% | 6,534 |
| Net loans and leases to total assets | 60.8254% | 3,482 |
| Net loans and leases to deposits | 74.3702% | 3,069 |
| Net loans and leases to core deposits | 84.4590% | 2,489 |
| Total domestic deposits to total assets | 81.7874% | 5,365 |
| Equity capital to assets | 12.3135% | 1,842 |
| Core capital (leverage) ratio | 10.6256% | 2,618 |
| Tier 1 risk-based capital ratio | 14.3250% | 4,222 |
| Total risk-based capital ratio | 15.2932% | 4,404 |
| Memoranda: | ||
| Average total assets | $84,722,500 | 5,349 |
| Average earning assets | $79,453,500 | 5,257 |
| Average equity | $10,259,500 | 4,984 |
| Average total loans | $51,317,000 | 5,167 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 1,751 |
| Cost of funding earning assets | 1.0506% | 3,011 |
| Net interest margin | 4.2344% | 1,946 |
| Noninterest income to average assets | 0.3504% | 5,000 |
| Noninterest expense to average assets | 1.9823% | 6,702 |
| Loan and lease loss provision to assets | 0.3704% | 2,767 |
| Net operating income to assets | 1.9547% | 336 |
| Return on assets (ROA) | 1.9547% | 359 |
| Pretax return on assets | 1.9773% | 556 |
| Return on Equity (ROE) | 17.2281% | 452 |
| Retained earnings to average equity (ytd only) | 13.1251% | 217 |
| Net charge-offs to loans | 0.4887% | 3,040 |
| Credit loss provision to net charge-offs | 124.8945% | 2,511 |
| Earnings coverage of net charge-offs (x) | 7.9156% | 2,239 |
| Efficiency ratio | 45.7803% | 7,058 |
| Assets per employee ($millions) | 6.5235% | 944 |
| Cash dividends to net income (ytd only)* | 23.8156% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,804 |
| Loan loss allowance to noncurrent loans | 1,185.1064% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 6,820 |
| Noncurrent loans to loans | 0.0930% | 6,580 |
| Net loans and leases to total assets | 58.9534% | 4,203 |
| Net loans and leases to deposits | 72.5252% | 3,729 |
| Net loans and leases to core deposits | 81.6048% | 3,234 |
| Total domestic deposits to total assets | 81.2867% | 5,367 |
| Equity capital to assets | 11.9060% | 2,194 |
| Core capital (leverage) ratio | 10.5278% | 2,691 |
| Tier 1 risk-based capital ratio | 14.3852% | 4,056 |
| Total risk-based capital ratio | 15.3018% | 4,241 |
| Memoranda: | ||
| Average total assets | $79,908,200 | 5,458 |
| Average earning assets | $75,098,600 | 5,371 |
| Average equity | $9,066,600 | 5,261 |
| Average total loans | $48,500,000 | 5,322 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2948% | 1,883 |
| Cost of funding earning assets | 1.0982% | 2,991 |
| Net interest margin | 4.1967% | 2,113 |
| Noninterest income to average assets | 0.2321% | 5,960 |
| Noninterest expense to average assets | 2.0198% | 6,653 |
| Loan and lease loss provision to assets | 0.3575% | 2,722 |
| Net operating income to assets | 1.8114% | 511 |
| Return on assets (ROA) | 1.8114% | 551 |
| Pretax return on assets | 1.8114% | 941 |
| Return on Equity (ROE) | 16.1800% | 659 |
| Retained earnings to average equity (ytd only) | 10.5496% | 715 |
| Net charge-offs to loans | 0.5168% | 2,694 |
| Credit loss provision to net charge-offs | 113.4409% | 2,882 |
| Earnings coverage of net charge-offs (x) | 6.8818% | 2,461 |
| Efficiency ratio | 48.2201% | 6,949 |
| Assets per employee ($millions) | 6.2759% | 1,045 |
| Cash dividends to net income (ytd only)* | 34.7990% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 6,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 61.2401% | 3,897 |
| Net loans and leases to deposits | 75.2039% | 3,475 |
| Net loans and leases to core deposits | 84.6517% | 2,964 |
| Total domestic deposits to total assets | 81.4321% | 5,279 |
| Equity capital to assets | 12.0301% | 2,227 |
| Core capital (leverage) ratio | 10.3505% | 3,036 |
| Tier 1 risk-based capital ratio | 13.7374% | 4,550 |
| Total risk-based capital ratio | 14.5993% | 4,813 |
| Memoranda: | ||
| Average total assets | $78,683,750 | 5,534 |
| Average earning assets | $74,183,500 | 5,438 |
| Average equity | $8,809,000 | 5,359 |
| Average total loans | $47,986,750 | 5,384 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 2,046 |
| Cost of funding earning assets | 1.1308% | 3,029 |
| Net interest margin | 4.1246% | 2,317 |
| Noninterest income to average assets | 0.2368% | 5,959 |
| Noninterest expense to average assets | 2.0639% | 6,670 |
| Loan and lease loss provision to assets | 0.3886% | 2,470 |
| Net operating income to assets | 1.6702% | 636 |
| Return on assets (ROA) | 1.6702% | 680 |
| Pretax return on assets | 1.6702% | 1,111 |
| Return on Equity (ROE) | 15.3180% | 742 |
| Retained earnings to average equity (ytd only) | 9.3938% | 990 |
| Net charge-offs to loans | 0.8016% | 1,899 |
| Credit loss provision to net charge-offs | 79.8942% | 3,778 |
| Earnings coverage of net charge-offs (x) | 4.2328% | 2,921 |
| Efficiency ratio | 50.0624% | 6,935 |
| Assets per employee ($millions) | 6.1105% | 1,125 |
| Cash dividends to net income (ytd only)* | 38.6749% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 6,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 59.7933% | 4,310 |
| Net loans and leases to deposits | 73.0469% | 3,949 |
| Net loans and leases to core deposits | 80.5269% | 3,713 |
| Total domestic deposits to total assets | 81.8561% | 5,213 |
| Equity capital to assets | 11.3486% | 2,647 |
| Core capital (leverage) ratio | 10.0488% | 3,205 |
| Tier 1 risk-based capital ratio | 13.7890% | 4,311 |
| Total risk-based capital ratio | 14.5871% | 4,638 |
| Memoranda: | ||
| Average total assets | $77,716,000 | 5,602 |
| Average earning assets | $73,219,670 | 5,516 |
| Average equity | $8,473,670 | 5,465 |
| Average total loans | $47,153,330 | 5,474 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 2,083 |
| Cost of funding earning assets | 1.1779% | 2,963 |
| Net interest margin | 4.0646% | 2,411 |
| Noninterest income to average assets | 0.2134% | 6,206 |
| Noninterest expense to average assets | 1.9934% | 6,837 |
| Loan and lease loss provision to assets | 0.3643% | 2,376 |
| Net operating income to assets | 1.6811% | 591 |
| Return on assets (ROA) | 1.6811% | 624 |
| Pretax return on assets | 1.6811% | 1,013 |
| Return on Equity (ROE) | 15.7503% | 704 |
| Retained earnings to average equity (ytd only) | 7.8995% | 1,773 |
| Net charge-offs to loans | 0.5818% | 2,033 |
| Credit loss provision to net charge-offs | 102.9412% | 2,576 |
| Earnings coverage of net charge-offs (x) | 5.7794% | 2,212 |
| Efficiency ratio | 49.3557% | 7,037 |
| Assets per employee ($millions) | 5.4786% | 1,596 |
| Cash dividends to net income (ytd only)* | 49.8452% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 6,075 |
| Loan loss allowance to noncurrent loans | 289.0173% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 6,610 |
| Noncurrent loans to loans | 0.3782% | 6,241 |
| Net loans and leases to total assets | 58.9940% | 4,465 |
| Net loans and leases to deposits | 71.8352% | 4,093 |
| Net loans and leases to core deposits | 79.5923% | 3,808 |
| Total domestic deposits to total assets | 82.1241% | 5,260 |
| Equity capital to assets | 10.8382% | 2,846 |
| Core capital (leverage) ratio | 10.1290% | 2,997 |
| Tier 1 risk-based capital ratio | 13.9984% | 4,070 |
| Total risk-based capital ratio | 14.9060% | 4,294 |
| Memoranda: | ||
| Average total assets | $76,855,500 | 5,675 |
| Average earning assets | $72,331,500 | 5,593 |
| Average equity | $8,203,000 | 5,557 |
| Average total loans | $46,751,000 | 5,536 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5659% | 2,028 |
| Cost of funding earning assets | 1.5044% | 2,612 |
| Net interest margin | 4.0614% | 2,740 |
| Noninterest income to average assets | 0.2496% | 6,016 |
| Noninterest expense to average assets | 2.0091% | 7,006 |
| Loan and lease loss provision to assets | 0.9324% | 1,747 |
| Net operating income to assets | 1.0555% | 1,853 |
| Return on assets (ROA) | 1.0889% | 1,816 |
| Pretax return on assets | 1.1010% | 2,574 |
| Return on Equity (ROE) | 10.6020% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.6020% | 426 |
| Net charge-offs to loans | 1.5530% | 1,412 |
| Credit loss provision to net charge-offs | 98.1534% | 4,718 |
| Earnings coverage of net charge-offs (x) | 2.1051% | 4,144 |
| Efficiency ratio | 50.1178% | 7,117 |
| Assets per employee ($millions) | 5.9238% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 6,183 |
| Loan loss allowance to noncurrent loans | 114.7465% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 5,902 |
| Noncurrent loans to loans | 0.9088% | 5,240 |
| Net loans and leases to total assets | 61.3622% | 4,429 |
| Net loans and leases to deposits | 74.3599% | 4,135 |
| Net loans and leases to core deposits | 81.7631% | 3,939 |
| Total domestic deposits to total assets | 82.5205% | 5,012 |
| Equity capital to assets | 10.5090% | 3,144 |
| Core capital (leverage) ratio | 9.6096% | 3,540 |
| Tier 1 risk-based capital ratio | 13.2469% | 4,415 |
| Total risk-based capital ratio | 14.1206% | 4,680 |
| Memoranda: | ||
| Average total assets | $74,111,400 | 5,760 |
| Average earning assets | $68,596,600 | 5,716 |
| Average equity | $7,611,800 | 5,837 |
| Average total loans | $45,330,800 | 5,694 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5438% | 2,277 |
| Cost of funding earning assets | 1.5651% | 2,581 |
| Net interest margin | 3.9787% | 3,193 |
| Noninterest income to average assets | 0.2271% | 6,276 |
| Noninterest expense to average assets | 1.9821% | 7,082 |
| Loan and lease loss provision to assets | 1.0846% | 1,343 |
| Net operating income to assets | 0.8321% | 2,876 |
| Return on assets (ROA) | 0.8757% | 2,844 |
| Pretax return on assets | 0.8757% | 3,642 |
| Return on Equity (ROE) | 8.5784% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.5784% | 1,213 |
| Net charge-offs to loans | 1.8215% | 1,055 |
| Credit loss provision to net charge-offs | 97.7087% | 4,449 |
| Earnings coverage of net charge-offs (x) | 1.7267% | 4,412 |
| Efficiency ratio | 50.8388% | 7,085 |
| Assets per employee ($millions) | 5.8473% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 6,004 |
| Loan loss allowance to noncurrent loans | 196.4427% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 6,551 |
| Noncurrent loans to loans | 0.5522% | 6,097 |
| Net loans and leases to total assets | 59.6238% | 4,977 |
| Net loans and leases to deposits | 72.9181% | 4,703 |
| Net loans and leases to core deposits | 80.6847% | 4,423 |
| Total domestic deposits to total assets | 81.7681% | 5,090 |
| Equity capital to assets | 11.0255% | 2,935 |
| Core capital (leverage) ratio | 9.8713% | 3,402 |
| Tier 1 risk-based capital ratio | 13.0251% | 4,562 |
| Total risk-based capital ratio | 13.9210% | 4,825 |
| Memoranda: | ||
| Average total assets | $73,386,750 | 5,843 |
| Average earning assets | $67,725,250 | 5,805 |
| Average equity | $7,491,500 | 5,949 |
| Average total loans | $44,725,250 | 5,795 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6082% | 2,112 |
| Cost of funding earning assets | 1.6397% | 2,435 |
| Net interest margin | 3.9685% | 3,170 |
| Noninterest income to average assets | 0.1876% | 6,563 |
| Noninterest expense to average assets | 1.9859% | 7,136 |
| Loan and lease loss provision to assets | 1.5474% | 846 |
| Net operating income to assets | 0.2924% | 5,212 |
| Return on assets (ROA) | 0.3586% | 5,094 |
| Pretax return on assets | 0.3586% | 5,347 |
| Return on Equity (ROE) | 3.6136% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.6136% | 3,799 |
| Net charge-offs to loans | 2.3625% | 736 |
| Credit loss provision to net charge-offs | 107.0611% | 3,812 |
| Earnings coverage of net charge-offs (x) | 1.2729% | 4,551 |
| Efficiency ratio | 51.9106% | 7,079 |
| Assets per employee ($millions) | 5.5475% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 5,281 |
| Loan loss allowance to noncurrent loans | 159.4752% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 6,260 |
| Noncurrent loans to loans | 0.7723% | 5,724 |
| Net loans and leases to total assets | 60.8212% | 4,900 |
| Net loans and leases to deposits | 74.2082% | 4,644 |
| Net loans and leases to core deposits | 78.8789% | 4,818 |
| Total domestic deposits to total assets | 81.9601% | 5,001 |
| Equity capital to assets | 10.4870% | 3,425 |
| Core capital (leverage) ratio | 9.5353% | 3,767 |
| Tier 1 risk-based capital ratio | 12.7402% | 4,655 |
| Total risk-based capital ratio | 13.7541% | 4,834 |
| Memoranda: | ||
| Average total assets | $72,510,670 | 5,906 |
| Average earning assets | $66,474,000 | 5,887 |
| Average equity | $7,195,000 | 6,072 |
| Average total loans | $44,360,330 | 5,847 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5826% | 2,231 |
| Cost of funding earning assets | 1.7048% | 2,368 |
| Net interest margin | 3.8778% | 3,420 |
| Noninterest income to average assets | 0.0660% | 7,390 |
| Noninterest expense to average assets | 1.9145% | 7,309 |
| Loan and lease loss provision to assets | 2.6132% | 395 |
| Net operating income to assets | -0.9078% | 7,065 |
| Return on assets (ROA) | -0.8142% | 7,038 |
| Pretax return on assets | -0.8142% | 6,956 |
| Return on Equity (ROE) | -8.4439% | 7,074 |
| Retained earnings to average equity (ytd only) | -8.4439% | 6,862 |
| Net charge-offs to loans | 4.7276% | 261 |
| Credit loss provision to net charge-offs | 90.6489% | 3,649 |
| Earnings coverage of net charge-offs (x) | 0.5916% | 4,499 |
| Efficiency ratio | 52.8875% | 7,064 |
| Assets per employee ($millions) | 5.5534% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 6,302 |
| Loan loss allowance to noncurrent loans | 135.4839% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 6,294 |
| Noncurrent loans to loans | 0.7644% | 5,796 |
| Net loans and leases to total assets | 61.1561% | 4,915 |
| Net loans and leases to deposits | 73.8917% | 4,758 |
| Net loans and leases to core deposits | 78.4210% | 4,974 |
| Total domestic deposits to total assets | 82.7645% | 4,732 |
| Equity capital to assets | 9.6822% | 4,255 |
| Core capital (leverage) ratio | 9.1606% | 4,284 |
| Tier 1 risk-based capital ratio | 12.2028% | 4,991 |
| Total risk-based capital ratio | 13.0576% | 5,332 |
| Memoranda: | ||
| Average total assets | $72,707,000 | 5,976 |
| Average earning assets | $66,635,500 | 5,946 |
| Average equity | $7,011,000 | 6,185 |
| Average total loans | $44,335,500 | 5,922 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5183% | 4,048 |
| Cost of funding earning assets | 2.2227% | 1,931 |
| Net interest margin | 3.2956% | 5,769 |
| Noninterest income to average assets | 0.3079% | 5,881 |
| Noninterest expense to average assets | 2.0387% | 7,301 |
| Loan and lease loss provision to assets | 0.9783% | 2,309 |
| Net operating income to assets | 0.3337% | 4,398 |
| Return on assets (ROA) | 0.4597% | 4,016 |
| Pretax return on assets | 0.4721% | 4,275 |
| Return on Equity (ROE) | 4.7760% | 3,766 |
| Retained earnings to average equity (ytd only) | 4.7760% | 1,934 |
| Net charge-offs to loans | 1.9034% | 1,300 |
| Credit loss provision to net charge-offs | 85.8343% | 6,133 |
| Earnings coverage of net charge-offs (x) | 1.1585% | 4,966 |
| Efficiency ratio | 60.6925% | 6,372 |
| Assets per employee ($millions) | 5.6323% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,587 |
| Loan loss allowance to noncurrent loans | 112.5551% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7034% | 5,702 |
| Noncurrent loans to loans | 1.0305% | 5,257 |
| Net loans and leases to total assets | 59.4742% | 5,424 |
| Net loans and leases to deposits | 71.1645% | 5,448 |
| Net loans and leases to core deposits | 90.3821% | 5,083 |
| Total domestic deposits to total assets | 83.5728% | 4,249 |
| Equity capital to assets | 9.6039% | 4,267 |
| Core capital (leverage) ratio | 9.1077% | 4,257 |
| Tier 1 risk-based capital ratio | 12.6382% | 4,409 |
| Total risk-based capital ratio | 13.5958% | 4,604 |
| Memoranda: | ||
| Average total assets | $73,085,200 | 5,910 |
| Average earning assets | $67,665,800 | 5,883 |
| Average equity | $7,035,200 | 6,256 |
| Average total loans | $43,762,800 | 5,942 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5119% | 4,355 |
| Cost of funding earning assets | 2.3130% | 1,935 |
| Net interest margin | 3.1989% | 6,026 |
| Noninterest income to average assets | 0.3011% | 6,066 |
| Noninterest expense to average assets | 2.0496% | 7,284 |
| Loan and lease loss provision to assets | 0.3486% | 4,238 |
| Net operating income to assets | 0.8688% | 2,544 |
| Return on assets (ROA) | 0.9527% | 2,288 |
| Pretax return on assets | 0.9527% | 3,050 |
| Return on Equity (ROE) | 9.8917% | 1,956 |
| Retained earnings to average equity (ytd only) | 9.8917% | 657 |
| Net charge-offs to loans | 0.2899% | 4,223 |
| Credit loss provision to net charge-offs | 201.0526% | 2,222 |
| Earnings coverage of net charge-offs (x) | 7.0212% | 2,492 |
| Efficiency ratio | 62.7374% | 5,974 |
| Assets per employee ($millions) | 5.6083% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 2,566 |
| Loan loss allowance to noncurrent loans | 102.1127% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 4,963 |
| Noncurrent loans to loans | 1.6811% | 4,128 |
| Net loans and leases to total assets | 56.9334% | 6,040 |
| Net loans and leases to deposits | 69.5514% | 5,969 |
| Net loans and leases to core deposits | 89.2820% | 5,507 |
| Total domestic deposits to total assets | 81.8580% | 4,737 |
| Equity capital to assets | 10.4515% | 3,570 |
| Core capital (leverage) ratio | 9.4179% | 4,025 |
| Tier 1 risk-based capital ratio | 13.0981% | 4,122 |
| Total risk-based capital ratio | 14.3494% | 4,056 |
| Memoranda: | ||
| Average total assets | $73,051,500 | 5,952 |
| Average earning assets | $67,730,500 | 5,917 |
| Average equity | $7,036,000 | 6,308 |
| Average total loans | $43,689,000 | 5,987 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 4,237 |
| Cost of funding earning assets | 2.4006% | 1,968 |
| Net interest margin | 3.1662% | 6,036 |
| Noninterest income to average assets | 0.2928% | 6,171 |
| Noninterest expense to average assets | 2.0985% | 7,278 |
| Loan and lease loss provision to assets | 0.5226% | 2,935 |
| Net operating income to assets | 0.5910% | 3,711 |
| Return on assets (ROA) | 0.6402% | 3,612 |
| Pretax return on assets | 0.6402% | 4,196 |
| Return on Equity (ROE) | 6.8408% | 3,267 |
| Retained earnings to average equity (ytd only) | 6.8408% | 1,642 |
| Net charge-offs to loans | 0.4437% | 3,039 |
| Credit loss provision to net charge-offs | 194.8980% | 2,347 |
| Earnings coverage of net charge-offs (x) | 4.1531% | 3,198 |
| Efficiency ratio | 65.3322% | 5,652 |
| Assets per employee ($millions) | 5.6441% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 2,547 |
| Loan loss allowance to noncurrent loans | 74.1538% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.4120% | 4,132 |
| Noncurrent loans to loans | 2.2187% | 3,238 |
| Net loans and leases to total assets | 58.9072% | 5,852 |
| Net loans and leases to deposits | 71.4130% | 5,821 |
| Net loans and leases to core deposits | 91.9030% | 5,359 |
| Total domestic deposits to total assets | 82.4881% | 4,487 |
| Equity capital to assets | 9.4149% | 4,725 |
| Core capital (leverage) ratio | 9.0539% | 4,548 |
| Tier 1 risk-based capital ratio | 12.2566% | 4,715 |
| Total risk-based capital ratio | 13.5079% | 4,630 |
| Memoranda: | ||
| Average total assets | $73,099,330 | 6,003 |
| Average earning assets | $67,399,330 | 5,968 |
| Average equity | $6,841,330 | 6,428 |
| Average total loans | $44,174,000 | 6,019 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7163% | 3,711 |
| Cost of funding earning assets | 2.5539% | 1,726 |
| Net interest margin | 3.1623% | 5,976 |
| Noninterest income to average assets | 0.2906% | 6,112 |
| Noninterest expense to average assets | 1.9078% | 7,532 |
| Loan and lease loss provision to assets | 1.0471% | 1,247 |
| Net operating income to assets | 0.2138% | 5,617 |
| Return on assets (ROA) | 0.2138% | 5,778 |
| Pretax return on assets | 0.2138% | 5,904 |
| Return on Equity (ROE) | 2.2914% | 5,667 |
| Retained earnings to average equity (ytd only) | 2.2914% | 4,600 |
| Net charge-offs to loans | -0.0181% | 7,414 |
| Credit loss provision to net charge-offs | -9,550.0000% | 6,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2076% | 6,373 |
| Assets per employee ($millions) | 5.5948% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 1,691 |
| Loan loss allowance to noncurrent loans | 71.7524% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 3,426 |
| Noncurrent loans to loans | 2.6037% | 2,533 |
| Net loans and leases to total assets | 59.4360% | 5,751 |
| Net loans and leases to deposits | 72.3425% | 5,702 |
| Net loans and leases to core deposits | 93.4641% | 5,210 |
| Total domestic deposits to total assets | 82.1592% | 4,487 |
| Equity capital to assets | 9.7481% | 4,309 |
| Core capital (leverage) ratio | 8.9510% | 4,795 |
| Tier 1 risk-based capital ratio | 12.0315% | 4,936 |
| Total risk-based capital ratio | 13.2858% | 4,821 |
| Memoranda: | ||
| Average total assets | $72,962,500 | 6,031 |
| Average earning assets | $66,407,000 | 6,025 |
| Average equity | $6,808,000 | 6,479 |
| Average total loans | $44,288,500 | 6,047 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3527% | 3,680 |
| Cost of funding earning assets | 2.9713% | 1,980 |
| Net interest margin | 3.3814% | 5,736 |
| Noninterest income to average assets | 0.3027% | 6,282 |
| Noninterest expense to average assets | 1.9625% | 7,517 |
| Loan and lease loss provision to assets | 3.1647% | 281 |
| Net operating income to assets | -1.6383% | 7,515 |
| Return on assets (ROA) | -1.6218% | 7,462 |
| Pretax return on assets | -1.6499% | 7,323 |
| Return on Equity (ROE) | -14.9292% | 7,586 |
| Retained earnings to average equity (ytd only) | -19.3354% | 7,666 |
| Net charge-offs to loans | 4.0648% | 157 |
| Credit loss provision to net charge-offs | 116.2358% | 4,640 |
| Earnings coverage of net charge-offs (x) | 0.5502% | 5,900 |
| Efficiency ratio | 56.7128% | 6,907 |
| Assets per employee ($millions) | 5.6302% | 1,368 |
| Cash dividends to net income (ytd only)* | -29.5139% | 7,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 3,121 |
| Loan loss allowance to noncurrent loans | 49.6448% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 1.8144% | 2,713 |
| Noncurrent loans to loans | 2.8456% | 1,904 |
| Net loans and leases to total assets | 59.9729% | 5,909 |
| Net loans and leases to deposits | 72.3533% | 6,016 |
| Net loans and leases to core deposits | 92.5159% | 5,592 |
| Total domestic deposits to total assets | 82.8891% | 3,817 |
| Equity capital to assets | 8.9162% | 5,477 |
| Core capital (leverage) ratio | 8.7926% | 5,048 |
| Tier 1 risk-based capital ratio | 11.6408% | 5,112 |
| Total risk-based capital ratio | 12.7837% | 5,104 |
| Memoranda: | ||
| Average total assets | $71,033,000 | 5,999 |
| Average earning assets | $66,334,000 | 5,956 |
| Average equity | $7,716,400 | 6,201 |
| Average total loans | $47,579,800 | 5,801 |