Home > Minden Exchange Bank & Trust Company > Performance and Condition Ratios
Minden Exchange Bank & Trust Company, 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 | 4.9031% | 3,276 |
| Cost of funding earning assets | 1.1952% | 3,745 |
| Net interest margin | 3.7079% | 1,863 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 1.7927% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6954% | 754 |
| Return on assets (ROA) | 1.6954% | 752 |
| Pretax return on assets | 2.0696% | 609 |
| Return on Equity (ROE) | 8.9400% | 2,615 |
| Retained earnings to average equity (ytd only) | 5.3631% | 2,475 |
| Net charge-offs to loans | -0.0043% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 46.4149% | 4,082 |
| Assets per employee ($millions) | 9.6715% | 878 |
| Cash dividends to net income (ytd only)* | 40.0249% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2765% | 269 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,115 |
| Noncurrent loans to loans | 0.1751% | 2,863 |
| Net loans and leases to total assets | 46.4500% | 3,745 |
| Net loans and leases to deposits | 60.1336% | 3,476 |
| Net loans and leases to core deposits | 63.2658% | 3,575 |
| Total domestic deposits to total assets | 77.2400% | 3,891 |
| Equity capital to assets | 18.8115% | 316 |
| Core capital (leverage) ratio | 19.8804% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $189,216,500 | 3,092 |
| Average earning assets | $179,723,500 | 3,047 |
| Average equity | $35,875,000 | 2,194 |
| Average total loans | $93,983,500 | 3,270 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7267% | 3,549 |
| Cost of funding earning assets | 1.2499% | 3,751 |
| Net interest margin | 3.4768% | 2,132 |
| Noninterest income to average assets | 0.5200% | 1,840 |
| Noninterest expense to average assets | 1.7401% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.6795% | 685 |
| Return on assets (ROA) | 1.6795% | 677 |
| Pretax return on assets | 2.0834% | 518 |
| Return on Equity (ROE) | 9.4200% | 2,327 |
| Retained earnings to average equity (ytd only) | 7.5007% | 1,269 |
| Net charge-offs to loans | 0.0131% | 2,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 326.2500% | 355 |
| Efficiency ratio | 45.5115% | 4,183 |
| Assets per employee ($millions) | 8.8097% | 1,136 |
| Cash dividends to net income (ytd only)* | 20.3422% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1785% | 292 |
| Loan loss allowance to noncurrent loans | 2,905.5556% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,392 |
| Noncurrent loans to loans | 0.0750% | 3,269 |
| Net loans and leases to total assets | 50.7800% | 3,588 |
| Net loans and leases to deposits | 66.0779% | 3,204 |
| Net loans and leases to core deposits | 69.5083% | 3,380 |
| Total domestic deposits to total assets | 76.8400% | 3,886 |
| Equity capital to assets | 19.1148% | 301 |
| Core capital (leverage) ratio | 20.9579% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $187,915,600 | 3,069 |
| Average earning assets | $178,410,200 | 3,033 |
| Average equity | $33,517,000 | 2,236 |
| Average total loans | $91,318,800 | 3,289 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 3,669 |
| Cost of funding earning assets | 1.2109% | 3,801 |
| Net interest margin | 3.4125% | 2,208 |
| Noninterest income to average assets | 0.6200% | 1,407 |
| Noninterest expense to average assets | 1.8843% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.6256% | 784 |
| Return on assets (ROA) | 1.6256% | 786 |
| Pretax return on assets | 1.9783% | 667 |
| Return on Equity (ROE) | 9.2800% | 2,398 |
| Retained earnings to average equity (ytd only) | 6.6876% | 1,845 |
| Net charge-offs to loans | 0.0089% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 466.5000% | 252 |
| Efficiency ratio | 48.7832% | 4,057 |
| Assets per employee ($millions) | 8.2511% | 1,371 |
| Cash dividends to net income (ytd only)* | 27.9130% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1130% | 327 |
| Loan loss allowance to noncurrent loans | 723.4483% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 2,715 |
| Noncurrent loans to loans | 0.2921% | 2,407 |
| Net loans and leases to total assets | 51.2200% | 3,582 |
| Net loans and leases to deposits | 71.3366% | 2,873 |
| Net loans and leases to core deposits | 74.6085% | 3,147 |
| Total domestic deposits to total assets | 71.7900% | 4,179 |
| Equity capital to assets | 18.4375% | 322 |
| Core capital (leverage) ratio | 19.8585% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $188,643,750 | 3,068 |
| Average earning assets | $179,256,750 | 3,037 |
| Average equity | $33,055,500 | 2,253 |
| Average total loans | $90,141,250 | 3,309 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 3,608 |
| Cost of funding earning assets | 1.1256% | 3,890 |
| Net interest margin | 3.4953% | 1,967 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 1.8229% | 3,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.7996% | 580 |
| Return on assets (ROA) | 1.7996% | 582 |
| Pretax return on assets | 2.1523% | 520 |
| Return on Equity (ROE) | 10.4500% | 2,043 |
| Retained earnings to average equity (ytd only) | 8.4725% | 1,238 |
| Net charge-offs to loans | 0.0138% | 1,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 337.6667% | 353 |
| Efficiency ratio | 45.8578% | 4,185 |
| Assets per employee ($millions) | 7.3908% | 1,810 |
| Cash dividends to net income (ytd only)* | 18.9492% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3730% | 258 |
| Loan loss allowance to noncurrent loans | 41,960.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,803 |
| Noncurrent loans to loans | 0.0057% | 3,745 |
| Net loans and leases to total assets | 46.7100% | 3,798 |
| Net loans and leases to deposits | 62.4184% | 3,453 |
| Net loans and leases to core deposits | 65.4494% | 3,565 |
| Total domestic deposits to total assets | 74.8400% | 3,994 |
| Equity capital to assets | 17.9922% | 345 |
| Core capital (leverage) ratio | 19.7569% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $188,266,333 | 3,072 |
| Average earning assets | $178,926,333 | 3,040 |
| Average equity | $32,410,667 | 2,252 |
| Average total loans | $87,091,000 | 3,347 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 3,654 |
| Cost of funding earning assets | 1.1559% | 3,797 |
| Net interest margin | 3.3591% | 2,212 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 1.8314% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.3220% | 1,196 |
| Return on assets (ROA) | 1.3220% | 1,204 |
| Pretax return on assets | 1.6714% | 999 |
| Return on Equity (ROE) | 7.8500% | 2,733 |
| Retained earnings to average equity (ytd only) | 3.8382% | 2,753 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.2837% | 3,878 |
| Assets per employee ($millions) | 7.8624% | 1,536 |
| Cash dividends to net income (ytd only)* | 51.1146% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5238% | 188 |
| Loan loss allowance to noncurrent loans | 265.1134% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 1,472 |
| Noncurrent loans to loans | 0.9520% | 913 |
| Net loans and leases to total assets | 43.0900% | 3,923 |
| Net loans and leases to deposits | 55.5745% | 3,719 |
| Net loans and leases to core deposits | 57.9331% | 3,842 |
| Total domestic deposits to total assets | 77.5300% | 3,849 |
| Equity capital to assets | 16.9795% | 393 |
| Core capital (leverage) ratio | 19.0048% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $190,015,000 | 3,068 |
| Average earning assets | $180,645,500 | 3,032 |
| Average equity | $31,994,000 | 2,272 |
| Average total loans | $86,430,500 | 3,362 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 3,369 |
| Cost of funding earning assets | 0.7528% | 3,848 |
| Net interest margin | 3.5896% | 1,988 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 1.7442% | 4,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5860% | 882 |
| Return on assets (ROA) | 1.5860% | 849 |
| Pretax return on assets | 1.9774% | 698 |
| Return on Equity (ROE) | 10.2800% | 2,415 |
| Retained earnings to average equity (ytd only) | 8.1141% | 1,501 |
| Net charge-offs to loans | 0.0024% | 2,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,899.5000% | 81 |
| Efficiency ratio | 46.8671% | 4,154 |
| Assets per employee ($millions) | 8.3188% | 1,268 |
| Cash dividends to net income (ytd only)* | 21.1027% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3531% | 233 |
| Loan loss allowance to noncurrent loans | 3,692.9825% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 3,469 |
| Noncurrent loans to loans | 0.0637% | 3,255 |
| Net loans and leases to total assets | 45.6500% | 3,826 |
| Net loans and leases to deposits | 65.1020% | 3,231 |
| Net loans and leases to core deposits | 67.0608% | 3,449 |
| Total domestic deposits to total assets | 70.1300% | 4,285 |
| Equity capital to assets | 16.6977% | 406 |
| Core capital (leverage) ratio | 18.3556% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $192,121,000 | 3,036 |
| Average earning assets | $183,307,400 | 2,985 |
| Average equity | $29,627,600 | 2,278 |
| Average total loans | $84,336,400 | 3,359 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 3,379 |
| Cost of funding earning assets | 0.5832% | 3,998 |
| Net interest margin | 3.6648% | 1,856 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.6909% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8199% | 640 |
| Return on assets (ROA) | 1.8199% | 632 |
| Pretax return on assets | 2.1131% | 641 |
| Return on Equity (ROE) | 12.0500% | 2,113 |
| Retained earnings to average equity (ytd only) | 9.0975% | 1,654 |
| Net charge-offs to loans | 0.0016% | 2,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 3,048.0000% | 33 |
| Efficiency ratio | 44.4505% | 4,206 |
| Assets per employee ($millions) | 8.5171% | 1,115 |
| Cash dividends to net income (ytd only)* | 24.4952% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 257 |
| Loan loss allowance to noncurrent loans | 3,829.0909% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,525 |
| Noncurrent loans to loans | 0.0598% | 3,327 |
| Net loans and leases to total assets | 45.8700% | 3,839 |
| Net loans and leases to deposits | 66.4245% | 3,095 |
| Net loans and leases to core deposits | 68.1839% | 3,309 |
| Total domestic deposits to total assets | 69.0600% | 4,346 |
| Equity capital to assets | 14.9469% | 541 |
| Core capital (leverage) ratio | 18.2644% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $192,318,250 | 3,041 |
| Average earning assets | $183,796,750 | 2,993 |
| Average equity | $29,047,500 | 2,295 |
| Average total loans | $83,056,750 | 3,379 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 3,361 |
| Cost of funding earning assets | 0.4978% | 3,982 |
| Net interest margin | 3.6700% | 1,878 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.7800% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7904% | 672 |
| Return on assets (ROA) | 1.7904% | 668 |
| Pretax return on assets | 2.0499% | 690 |
| Return on Equity (ROE) | 11.8100% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.5961% | 1,511 |
| Net charge-offs to loans | -0.0025% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.4754% | 4,146 |
| Assets per employee ($millions) | 8.2736% | 1,199 |
| Cash dividends to net income (ytd only)* | 18.7610% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6453% | 183 |
| Loan loss allowance to noncurrent loans | 105,400.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,900 |
| Noncurrent loans to loans | 0.0025% | 3,817 |
| Net loans and leases to total assets | 40.7700% | 4,015 |
| Net loans and leases to deposits | 52.9618% | 3,799 |
| Net loans and leases to core deposits | 54.2438% | 3,884 |
| Total domestic deposits to total assets | 76.9800% | 3,954 |
| Equity capital to assets | 15.6349% | 472 |
| Core capital (leverage) ratio | 17.4082% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $191,126,667 | 3,056 |
| Average earning assets | $183,214,667 | 3,005 |
| Average equity | $28,970,000 | 2,310 |
| Average total loans | $80,086,000 | 3,416 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,556 |
| Cost of funding earning assets | 0.3966% | 3,974 |
| Net interest margin | 3.5519% | 2,237 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.8189% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6685% | 871 |
| Return on assets (ROA) | 1.6685% | 871 |
| Pretax return on assets | 1.9275% | 875 |
| Return on Equity (ROE) | 11.1800% | 2,444 |
| Retained earnings to average equity (ytd only) | 6.6902% | 2,589 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.5507% | 4,055 |
| Assets per employee ($millions) | 8.9652% | 946 |
| Cash dividends to net income (ytd only)* | 40.1752% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9233% | 141 |
| Loan loss allowance to noncurrent loans | 2,045.6311% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,259 |
| Noncurrent loans to loans | 0.1429% | 2,782 |
| Net loans and leases to total assets | 35.4800% | 4,212 |
| Net loans and leases to deposits | 45.8393% | 4,043 |
| Net loans and leases to core deposits | 46.9881% | 4,078 |
| Total domestic deposits to total assets | 77.3900% | 4,057 |
| Equity capital to assets | 14.8752% | 492 |
| Core capital (leverage) ratio | 17.2270% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $191,544,000 | 3,090 |
| Average earning assets | $183,562,500 | 3,040 |
| Average equity | $28,579,000 | 2,354 |
| Average total loans | $80,285,500 | 3,444 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1292% | 3,944 |
| Cost of funding earning assets | 0.2183% | 3,610 |
| Net interest margin | 2.9109% | 3,655 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.7242% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0909% | 2,220 |
| Return on assets (ROA) | 1.0909% | 2,158 |
| Pretax return on assets | 1.3593% | 1,907 |
| Return on Equity (ROE) | 7.1000% | 3,621 |
| Retained earnings to average equity (ytd only) | 4.8690% | 3,108 |
| Net charge-offs to loans | -0.0566% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.9170% | 3,592 |
| Assets per employee ($millions) | 8.0806% | 1,279 |
| Cash dividends to net income (ytd only)* | 31.4425% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3810% | 237 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 46.4800% | 3,772 |
| Net loans and leases to deposits | 62.7188% | 3,134 |
| Net loans and leases to core deposits | 63.8084% | 3,275 |
| Total domestic deposits to total assets | 74.1100% | 4,354 |
| Equity capital to assets | 14.9682% | 471 |
| Core capital (leverage) ratio | 17.8596% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $187,453,000 | 3,127 |
| Average earning assets | $179,564,600 | 3,066 |
| Average equity | $28,794,200 | 2,391 |
| Average total loans | $86,588,200 | 3,324 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8875% | 4,079 |
| Cost of funding earning assets | 0.2006% | 3,265 |
| Net interest margin | 2.6869% | 3,955 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.4571% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2073% | 1,674 |
| Return on assets (ROA) | 1.2073% | 1,648 |
| Pretax return on assets | 1.4067% | 1,692 |
| Return on Equity (ROE) | 7.8100% | 3,383 |
| Retained earnings to average equity (ytd only) | 4.8579% | 3,151 |
| Net charge-offs to loans | -0.0883% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.8798% | 4,106 |
| Assets per employee ($millions) | 7.6565% | 1,514 |
| Cash dividends to net income (ytd only)* | 37.8013% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2405% | 326 |
| Loan loss allowance to noncurrent loans | 16,269.2308% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,931 |
| Noncurrent loans to loans | 0.0138% | 3,835 |
| Net loans and leases to total assets | 50.2200% | 3,438 |
| Net loans and leases to deposits | 65.2555% | 2,771 |
| Net loans and leases to core deposits | 66.3887% | 2,925 |
| Total domestic deposits to total assets | 76.9600% | 4,320 |
| Equity capital to assets | 14.3657% | 527 |
| Core capital (leverage) ratio | 17.4371% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $187,852,750 | 3,143 |
| Average earning assets | $180,126,500 | 3,088 |
| Average equity | $29,038,000 | 2,408 |
| Average total loans | $86,111,750 | 3,340 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6491% | 4,220 |
| Cost of funding earning assets | 0.2028% | 2,878 |
| Net interest margin | 2.4463% | 4,165 |
| Noninterest income to average assets | 0.2801% | 3,490 |
| Noninterest expense to average assets | 1.4650% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9640% | 2,296 |
| Return on assets (ROA) | 0.9640% | 2,269 |
| Pretax return on assets | 1.1616% | 2,201 |
| Return on Equity (ROE) | 6.0967% | 3,548 |
| Retained earnings to average equity (ytd only) | 3.9508% | 3,099 |
| Net charge-offs to loans | -0.1416% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7746% | 3,797 |
| Assets per employee ($millions) | 7.8906% | 1,361 |
| Cash dividends to net income (ytd only)* | 35.1974% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5166% | 257 |
| Loan loss allowance to noncurrent loans | 2,406.8182% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 3,522 |
| Noncurrent loans to loans | 0.1046% | 3,226 |
| Net loans and leases to total assets | 43.3227% | 3,883 |
| Net loans and leases to deposits | 56.6859% | 3,328 |
| Net loans and leases to core deposits | 57.6453% | 3,449 |
| Total domestic deposits to total assets | 76.4260% | 4,439 |
| Equity capital to assets | 14.8685% | 415 |
| Core capital (leverage) ratio | 16.5497% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,218,000 | 3,167 |
| Average earning assets | $181,496,333 | 3,120 |
| Average equity | $29,918,000 | 2,422 |
| Average total loans | $83,349,000 | 3,406 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5570% | 4,188 |
| Cost of funding earning assets | 0.2008% | 2,791 |
| Net interest margin | 2.3562% | 4,141 |
| Noninterest income to average assets | 0.2622% | 3,558 |
| Noninterest expense to average assets | 1.5438% | 4,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7783% | 2,735 |
| Return on assets (ROA) | 0.7783% | 2,731 |
| Pretax return on assets | 0.9771% | 2,513 |
| Return on Equity (ROE) | 4.7795% | 3,677 |
| Retained earnings to average equity (ytd only) | 0.6104% | 3,898 |
| Net charge-offs to loans | -0.2797% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2416% | 3,352 |
| Assets per employee ($millions) | 8.7303% | 1,012 |
| Cash dividends to net income (ytd only)* | 87.2283% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7204% | 217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 37.7010% | 4,130 |
| Net loans and leases to deposits | 48.8731% | 3,827 |
| Net loans and leases to core deposits | 49.6429% | 3,893 |
| Total domestic deposits to total assets | 77.1405% | 4,453 |
| Equity capital to assets | 14.5202% | 446 |
| Core capital (leverage) ratio | 16.5041% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,140,000 | 3,181 |
| Average earning assets | $181,308,000 | 3,132 |
| Average equity | $30,798,500 | 2,441 |
| Average total loans | $82,943,500 | 3,421 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0732% | 3,739 |
| Cost of funding earning assets | 0.2253% | 3,192 |
| Net interest margin | 2.8479% | 3,562 |
| Noninterest income to average assets | 0.3199% | 3,492 |
| Noninterest expense to average assets | 1.8115% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0692% | 2,418 |
| Return on assets (ROA) | 1.0692% | 2,491 |
| Pretax return on assets | 1.2364% | 2,563 |
| Return on Equity (ROE) | 5.7799% | 3,823 |
| Retained earnings to average equity (ytd only) | 3.7689% | 3,304 |
| Net charge-offs to loans | -0.0112% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4343% | 3,235 |
| Assets per employee ($millions) | 7.3952% | 1,671 |
| Cash dividends to net income (ytd only)* | 34.7944% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3380% | 362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.4601% | 3,455 |
| Net loans and leases to deposits | 66.1872% | 2,496 |
| Net loans and leases to core deposits | 67.4311% | 2,694 |
| Total domestic deposits to total assets | 73.2167% | 4,611 |
| Equity capital to assets | 18.2783% | 247 |
| Core capital (leverage) ratio | 18.5594% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,844,400 | 3,273 |
| Average earning assets | $165,559,000 | 3,226 |
| Average equity | $31,972,600 | 2,425 |
| Average total loans | $89,430,200 | 3,343 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1148% | 3,778 |
| Cost of funding earning assets | 0.2278% | 3,348 |
| Net interest margin | 2.8870% | 3,580 |
| Noninterest income to average assets | 0.2959% | 3,677 |
| Noninterest expense to average assets | 1.8941% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9498% | 3,080 |
| Return on assets (ROA) | 0.9498% | 3,164 |
| Pretax return on assets | 1.1680% | 3,025 |
| Return on Equity (ROE) | 5.1188% | 4,096 |
| Retained earnings to average equity (ytd only) | 2.4276% | 4,075 |
| Net charge-offs to loans | -0.0163% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8565% | 2,724 |
| Assets per employee ($millions) | 7.4539% | 1,595 |
| Cash dividends to net income (ytd only)* | 52.5756% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2327% | 431 |
| Loan loss allowance to noncurrent loans | 3,812.9630% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,952 |
| Noncurrent loans to loans | 0.0586% | 3,809 |
| Net loans and leases to total assets | 52.5898% | 3,132 |
| Net loans and leases to deposits | 72.6739% | 1,993 |
| Net loans and leases to core deposits | 74.1021% | 2,231 |
| Total domestic deposits to total assets | 72.3641% | 4,677 |
| Equity capital to assets | 18.7033% | 241 |
| Core capital (leverage) ratio | 18.2607% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,684,500 | 3,313 |
| Average earning assets | $164,502,750 | 3,269 |
| Average equity | $31,855,500 | 2,466 |
| Average total loans | $89,770,750 | 3,380 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1634% | 3,743 |
| Cost of funding earning assets | 0.2296% | 3,467 |
| Net interest margin | 2.9338% | 3,494 |
| Noninterest income to average assets | 0.2864% | 3,709 |
| Noninterest expense to average assets | 1.9480% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9327% | 3,122 |
| Return on assets (ROA) | 0.9327% | 3,201 |
| Pretax return on assets | 1.1504% | 3,055 |
| Return on Equity (ROE) | 5.0400% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.0202% | 3,831 |
| Net charge-offs to loans | -0.0225% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8711% | 2,605 |
| Assets per employee ($millions) | 7.2865% | 1,605 |
| Cash dividends to net income (ytd only)* | 40.0749% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3442% | 334 |
| Loan loss allowance to noncurrent loans | 1,353.2895% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,626 |
| Noncurrent loans to loans | 0.1732% | 3,350 |
| Net loans and leases to total assets | 49.0022% | 3,645 |
| Net loans and leases to deposits | 67.3703% | 2,686 |
| Net loans and leases to core deposits | 68.6577% | 2,900 |
| Total domestic deposits to total assets | 72.7355% | 4,697 |
| Equity capital to assets | 18.2987% | 255 |
| Core capital (leverage) ratio | 17.9544% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,766,000 | 3,322 |
| Average earning assets | $164,630,667 | 3,269 |
| Average equity | $31,785,667 | 2,461 |
| Average total loans | $88,954,667 | 3,417 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2626% | 3,542 |
| Cost of funding earning assets | 0.2327% | 3,624 |
| Net interest margin | 3.0299% | 3,181 |
| Noninterest income to average assets | 0.2585% | 3,853 |
| Noninterest expense to average assets | 1.8307% | 4,150 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1163% | 2,423 |
| Return on assets (ROA) | 1.1163% | 2,501 |
| Pretax return on assets | 1.3348% | 2,474 |
| Return on Equity (ROE) | 5.9978% | 3,859 |
| Retained earnings to average equity (ytd only) | 1.9445% | 4,019 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8322% | 3,326 |
| Assets per employee ($millions) | 7.3933% | 1,522 |
| Cash dividends to net income (ytd only)* | 67.5789% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3823% | 315 |
| Loan loss allowance to noncurrent loans | 4,765.1163% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,193 |
| Noncurrent loans to loans | 0.0500% | 4,036 |
| Net loans and leases to total assets | 47.3179% | 3,875 |
| Net loans and leases to deposits | 64.2461% | 3,102 |
| Net loans and leases to core deposits | 65.4373% | 3,285 |
| Total domestic deposits to total assets | 73.6511% | 4,683 |
| Equity capital to assets | 17.7718% | 264 |
| Core capital (leverage) ratio | 18.2900% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,211,000 | 3,333 |
| Average earning assets | $163,306,000 | 3,278 |
| Average equity | $31,678,500 | 2,451 |
| Average total loans | $89,557,000 | 3,415 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 3,618 |
| Cost of funding earning assets | 0.3152% | 4,056 |
| Net interest margin | 3.3681% | 2,874 |
| Noninterest income to average assets | 0.3052% | 3,651 |
| Noninterest expense to average assets | 1.9360% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3920% | 1,037 |
| Return on assets (ROA) | 1.3955% | 1,122 |
| Pretax return on assets | 1.6066% | 1,064 |
| Return on Equity (ROE) | 6.9214% | 3,236 |
| Retained earnings to average equity (ytd only) | 4.8369% | 2,351 |
| Net charge-offs to loans | -0.0332% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7100% | 4,127 |
| Assets per employee ($millions) | 6.7906% | 1,718 |
| Cash dividends to net income (ytd only)* | 30.1171% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1997% | 412 |
| Loan loss allowance to noncurrent loans | 13,653.3333% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,394 |
| Noncurrent loans to loans | 0.0161% | 4,296 |
| Net loans and leases to total assets | 55.8721% | 3,316 |
| Net loans and leases to deposits | 77.4815% | 2,123 |
| Net loans and leases to core deposits | 79.0782% | 2,445 |
| Total domestic deposits to total assets | 72.1103% | 4,706 |
| Equity capital to assets | 19.5203% | 214 |
| Core capital (leverage) ratio | 19.5320% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,996,200 | 3,365 |
| Average earning assets | $146,876,800 | 3,305 |
| Average equity | $30,846,200 | 2,438 |
| Average total loans | $96,402,000 | 3,288 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 3,530 |
| Cost of funding earning assets | 0.3332% | 4,134 |
| Net interest margin | 3.4786% | 2,659 |
| Noninterest income to average assets | 0.3003% | 3,685 |
| Noninterest expense to average assets | 2.0925% | 3,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2987% | 1,359 |
| Return on assets (ROA) | 1.3032% | 1,443 |
| Pretax return on assets | 1.5521% | 1,320 |
| Return on Equity (ROE) | 6.4085% | 3,406 |
| Retained earnings to average equity (ytd only) | 3.6072% | 3,250 |
| Net charge-offs to loans | 0.0055% | 2,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 436.5000% | 259 |
| Efficiency ratio | 57.4976% | 3,734 |
| Assets per employee ($millions) | 6.5973% | 1,759 |
| Cash dividends to net income (ytd only)* | 43.7118% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9840% | 508 |
| Loan loss allowance to noncurrent loans | 3,245.1613% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 4,259 |
| Noncurrent loans to loans | 0.0611% | 4,127 |
| Net loans and leases to total assets | 62.7773% | 2,909 |
| Net loans and leases to deposits | 88.3115% | 1,450 |
| Net loans and leases to core deposits | 90.2077% | 1,952 |
| Total domestic deposits to total assets | 71.0862% | 4,714 |
| Equity capital to assets | 19.7024% | 220 |
| Core capital (leverage) ratio | 19.5972% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,501,750 | 3,384 |
| Average earning assets | $144,459,750 | 3,313 |
| Average equity | $30,604,500 | 2,443 |
| Average total loans | $97,226,250 | 3,284 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 3,373 |
| Cost of funding earning assets | 0.3509% | 4,266 |
| Net interest margin | 3.6306% | 2,376 |
| Noninterest income to average assets | 0.2975% | 3,687 |
| Noninterest expense to average assets | 2.1570% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3725% | 1,171 |
| Return on assets (ROA) | 1.3794% | 1,249 |
| Pretax return on assets | 1.6323% | 1,148 |
| Return on Equity (ROE) | 6.7089% | 3,248 |
| Retained earnings to average equity (ytd only) | 4.5976% | 2,659 |
| Net charge-offs to loans | 0.0125% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 200.1667% | 447 |
| Efficiency ratio | 57.0458% | 3,810 |
| Assets per employee ($millions) | 6.4907% | 1,785 |
| Cash dividends to net income (ytd only)* | 31.4706% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0669% | 394 |
| Loan loss allowance to noncurrent loans | 100,500.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,596 |
| Noncurrent loans to loans | 0.0021% | 4,523 |
| Net loans and leases to total assets | 61.1365% | 3,200 |
| Net loans and leases to deposits | 86.3317% | 1,725 |
| Net loans and leases to core deposits | 88.2191% | 2,223 |
| Total domestic deposits to total assets | 70.8158% | 4,761 |
| Equity capital to assets | 19.9434% | 216 |
| Core capital (leverage) ratio | 19.8315% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,890,333 | 3,392 |
| Average earning assets | $141,903,000 | 3,325 |
| Average equity | $30,407,333 | 2,443 |
| Average total loans | $95,831,333 | 3,303 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 4,028 |
| Cost of funding earning assets | 0.3891% | 4,398 |
| Net interest margin | 3.5133% | 2,938 |
| Noninterest income to average assets | 0.3057% | 3,684 |
| Noninterest expense to average assets | 2.2091% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1997% | 1,516 |
| Return on assets (ROA) | 1.2088% | 1,601 |
| Pretax return on assets | 1.4700% | 1,383 |
| Return on Equity (ROE) | 5.7851% | 3,395 |
| Retained earnings to average equity (ytd only) | 1.5028% | 3,603 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2273% | 3,712 |
| Assets per employee ($millions) | 6.1744% | 1,540 |
| Cash dividends to net income (ytd only)* | 74.0230% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 422 |
| Loan loss allowance to noncurrent loans | 201,600.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,657 |
| Noncurrent loans to loans | 0.0011% | 4,587 |
| Net loans and leases to total assets | 62.8680% | 3,209 |
| Net loans and leases to deposits | 85.7931% | 2,029 |
| Net loans and leases to core deposits | 87.3644% | 2,571 |
| Total domestic deposits to total assets | 73.2787% | 4,704 |
| Equity capital to assets | 20.4474% | 225 |
| Core capital (leverage) ratio | 20.3538% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,947,500 | 3,410 |
| Average earning assets | $137,760,500 | 3,343 |
| Average equity | $30,077,500 | 2,448 |
| Average total loans | $95,124,000 | 3,298 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 3,775 |
| Cost of funding earning assets | 0.4248% | 4,358 |
| Net interest margin | 3.7896% | 2,537 |
| Noninterest income to average assets | 0.6479% | 2,012 |
| Noninterest expense to average assets | 2.0997% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9254% | 410 |
| Return on assets (ROA) | 1.9173% | 436 |
| Pretax return on assets | 2.1493% | 428 |
| Return on Equity (ROE) | 9.6962% | 2,438 |
| Retained earnings to average equity (ytd only) | 7.4233% | 1,195 |
| Net charge-offs to loans | 0.0021% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,544.0000% | 53 |
| Efficiency ratio | 49.3106% | 4,768 |
| Assets per employee ($millions) | 5.8213% | 1,776 |
| Cash dividends to net income (ytd only)* | 23.4415% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1205% | 385 |
| Loan loss allowance to noncurrent loans | 2,921.7391% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,385 |
| Noncurrent loans to loans | 0.0726% | 4,241 |
| Net loans and leases to total assets | 66.6058% | 2,885 |
| Net loans and leases to deposits | 91.0679% | 1,476 |
| Net loans and leases to core deposits | 92.8378% | 2,172 |
| Total domestic deposits to total assets | 73.1386% | 4,819 |
| Equity capital to assets | 21.3693% | 194 |
| Core capital (leverage) ratio | 20.8802% | 202 |
| Tier 1 risk-based capital ratio | 26.5691% | 644 |
| Total risk-based capital ratio | 27.8252% | 630 |
| Memoranda: | ||
| Average total assets | $143,067,800 | 3,396 |
| Average earning assets | $136,295,800 | 3,338 |
| Average equity | $28,289,400 | 2,482 |
| Average total loans | $94,371,200 | 3,311 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 3,963 |
| Cost of funding earning assets | 0.4077% | 4,476 |
| Net interest margin | 3.7722% | 2,677 |
| Noninterest income to average assets | 0.3132% | 3,874 |
| Noninterest expense to average assets | 2.1411% | 4,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4472% | 1,337 |
| Return on assets (ROA) | 1.4472% | 1,392 |
| Pretax return on assets | 1.7641% | 1,173 |
| Return on Equity (ROE) | 7.4651% | 3,522 |
| Retained earnings to average equity (ytd only) | 4.3921% | 3,200 |
| Net charge-offs to loans | 0.0028% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 950.7865% | 98 |
| Efficiency ratio | 54.8280% | 4,301 |
| Assets per employee ($millions) | 5.5662% | 1,969 |
| Cash dividends to net income (ytd only)* | 41.1652% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0360% | 428 |
| Loan loss allowance to noncurrent loans | 100,800.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,774 |
| Noncurrent loans to loans | 0.0020% | 4,687 |
| Net loans and leases to total assets | 67.0257% | 2,924 |
| Net loans and leases to deposits | 96.3717% | 976 |
| Net loans and leases to core deposits | 99.7901% | 1,674 |
| Total domestic deposits to total assets | 69.5492% | 5,012 |
| Equity capital to assets | 19.8111% | 268 |
| Core capital (leverage) ratio | 19.6238% | 259 |
| Tier 1 risk-based capital ratio | 24.5226% | 802 |
| Total risk-based capital ratio | 25.7777% | 786 |
| Memoranda: | ||
| Average total assets | $143,907,250 | 3,414 |
| Average earning assets | $137,035,000 | 3,362 |
| Average equity | $27,898,000 | 2,518 |
| Average total loans | $94,196,250 | 3,352 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 4,082 |
| Cost of funding earning assets | 0.4008% | 4,504 |
| Net interest margin | 3.7340% | 2,819 |
| Noninterest income to average assets | 0.2924% | 3,985 |
| Noninterest expense to average assets | 2.2376% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2922% | 1,807 |
| Return on assets (ROA) | 1.2922% | 1,863 |
| Pretax return on assets | 1.6096% | 1,518 |
| Return on Equity (ROE) | 6.7148% | 3,785 |
| Retained earnings to average equity (ytd only) | 4.3921% | 3,068 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1614% | 3,990 |
| Assets per employee ($millions) | 5.4840% | 1,983 |
| Cash dividends to net income (ytd only)* | 34.5905% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1513% | 357 |
| Loan loss allowance to noncurrent loans | 100,900.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,821 |
| Noncurrent loans to loans | 0.0021% | 4,729 |
| Net loans and leases to total assets | 64.3714% | 3,299 |
| Net loans and leases to deposits | 86.0908% | 2,250 |
| Net loans and leases to core deposits | 88.9587% | 2,701 |
| Total domestic deposits to total assets | 74.7715% | 4,782 |
| Equity capital to assets | 19.8177% | 252 |
| Core capital (leverage) ratio | 19.1080% | 268 |
| Tier 1 risk-based capital ratio | 24.7992% | 768 |
| Total risk-based capital ratio | 26.0553% | 753 |
| Memoranda: | ||
| Average total assets | $143,635,670 | 3,436 |
| Average earning assets | $136,743,000 | 3,384 |
| Average equity | $27,640,330 | 2,525 |
| Average total loans | $92,589,330 | 3,399 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 4,213 |
| Cost of funding earning assets | 0.4029% | 4,472 |
| Net interest margin | 3.6668% | 3,020 |
| Noninterest income to average assets | 0.2414% | 4,278 |
| Noninterest expense to average assets | 2.2003% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2098% | 2,019 |
| Return on assets (ROA) | 1.2098% | 2,069 |
| Pretax return on assets | 1.5261% | 1,689 |
| Return on Equity (ROE) | 6.3808% | 3,884 |
| Retained earnings to average equity (ytd only) | 1.6684% | 4,149 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0469% | 3,945 |
| Assets per employee ($millions) | 5.8079% | 1,696 |
| Cash dividends to net income (ytd only)* | 73.8532% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2046% | 353 |
| Loan loss allowance to noncurrent loans | 11,211.1111% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,811 |
| Noncurrent loans to loans | 0.0197% | 4,693 |
| Net loans and leases to total assets | 61.6514% | 3,536 |
| Net loans and leases to deposits | 82.1203% | 2,600 |
| Net loans and leases to core deposits | 83.6012% | 3,056 |
| Total domestic deposits to total assets | 75.0746% | 4,849 |
| Equity capital to assets | 18.9708% | 289 |
| Core capital (leverage) ratio | 18.8472% | 286 |
| Tier 1 risk-based capital ratio | 25.2585% | 742 |
| Total risk-based capital ratio | 26.5161% | 722 |
| Memoranda: | ||
| Average total assets | $144,161,000 | 3,465 |
| Average earning assets | $137,014,000 | 3,412 |
| Average equity | $27,332,000 | 2,553 |
| Average total loans | $91,983,000 | 3,453 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 4,010 |
| Cost of funding earning assets | 0.2909% | 4,612 |
| Net interest margin | 3.7160% | 2,969 |
| Noninterest income to average assets | 0.3415% | 3,828 |
| Noninterest expense to average assets | 2.1406% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5468% | 999 |
| Return on assets (ROA) | 1.4748% | 1,180 |
| Pretax return on assets | 1.6586% | 1,283 |
| Return on Equity (ROE) | 8.1679% | 3,368 |
| Retained earnings to average equity (ytd only) | 5.7263% | 2,341 |
| Net charge-offs to loans | -0.1225% | 5,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1688% | 4,498 |
| Assets per employee ($millions) | 5.7250% | 1,743 |
| Cash dividends to net income (ytd only)* | 29.8931% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1832% | 339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 63.1714% | 3,446 |
| Net loans and leases to deposits | 85.9808% | 2,272 |
| Net loans and leases to core deposits | 87.5850% | 2,781 |
| Total domestic deposits to total assets | 73.4714% | 4,977 |
| Equity capital to assets | 18.9478% | 274 |
| Core capital (leverage) ratio | 18.7772% | 273 |
| Tier 1 risk-based capital ratio | 24.8933% | 753 |
| Total risk-based capital ratio | 26.1503% | 737 |
| Memoranda: | ||
| Average total assets | $145,847,000 | 3,430 |
| Average earning assets | $138,884,200 | 3,373 |
| Average equity | $26,334,800 | 2,552 |
| Average total loans | $90,599,600 | 3,469 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 4,107 |
| Cost of funding earning assets | 0.2271% | 4,908 |
| Net interest margin | 3.7121% | 2,974 |
| Noninterest income to average assets | 0.3358% | 3,914 |
| Noninterest expense to average assets | 2.1010% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4428% | 1,351 |
| Return on assets (ROA) | 1.3558% | 1,646 |
| Pretax return on assets | 1.6670% | 1,357 |
| Return on Equity (ROE) | 7.6003% | 3,708 |
| Retained earnings to average equity (ytd only) | 4.3204% | 3,599 |
| Net charge-offs to loans | -0.1597% | 5,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2146% | 4,592 |
| Assets per employee ($millions) | 5.9420% | 1,534 |
| Cash dividends to net income (ytd only)* | 43.1542% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0656% | 434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 64.3099% | 3,388 |
| Net loans and leases to deposits | 93.1829% | 1,480 |
| Net loans and leases to core deposits | 95.0577% | 2,206 |
| Total domestic deposits to total assets | 69.0147% | 5,260 |
| Equity capital to assets | 17.6498% | 364 |
| Core capital (leverage) ratio | 18.0475% | 327 |
| Tier 1 risk-based capital ratio | 23.3182% | 912 |
| Total risk-based capital ratio | 24.5745% | 887 |
| Memoranda: | ||
| Average total assets | $146,527,500 | 3,462 |
| Average earning assets | $139,718,000 | 3,393 |
| Average equity | $26,138,750 | 2,574 |
| Average total loans | $90,141,500 | 3,507 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 4,093 |
| Cost of funding earning assets | 0.1868% | 5,090 |
| Net interest margin | 3.7053% | 2,903 |
| Noninterest income to average assets | 0.2811% | 4,303 |
| Noninterest expense to average assets | 2.1268% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6907% | 736 |
| Return on assets (ROA) | 1.6907% | 743 |
| Pretax return on assets | 1.6907% | 1,240 |
| Return on Equity (ROE) | 9.4439% | 2,834 |
| Retained earnings to average equity (ytd only) | 6.9776% | 2,082 |
| Net charge-offs to loans | -0.1802% | 5,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7112% | 4,511 |
| Assets per employee ($millions) | 5.8173% | 1,622 |
| Cash dividends to net income (ytd only)* | 26.1152% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1839% | 382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 61.1945% | 3,684 |
| Net loans and leases to deposits | 79.0150% | 3,050 |
| Net loans and leases to core deposits | 80.3490% | 3,388 |
| Total domestic deposits to total assets | 77.4467% | 4,670 |
| Equity capital to assets | 18.4037% | 294 |
| Core capital (leverage) ratio | 17.6560% | 337 |
| Tier 1 risk-based capital ratio | 112.9584% | 39 |
| Total risk-based capital ratio | 121.5814% | 38 |
| Memoranda: | ||
| Average total assets | $145,853,000 | 3,491 |
| Average earning assets | $139,206,670 | 3,420 |
| Average equity | $26,112,000 | 2,580 |
| Average total loans | $87,672,670 | 3,572 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 4,360 |
| Cost of funding earning assets | 0.1925% | 5,061 |
| Net interest margin | 3.5564% | 3,322 |
| Noninterest income to average assets | 0.2547% | 4,474 |
| Noninterest expense to average assets | 2.1142% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2192% | 1,930 |
| Return on assets (ROA) | 1.2214% | 1,931 |
| Pretax return on assets | 1.5336% | 1,588 |
| Return on Equity (ROE) | 6.9186% | 3,819 |
| Retained earnings to average equity (ytd only) | 1.9236% | 4,375 |
| Net charge-offs to loans | -0.0279% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0015% | 4,338 |
| Assets per employee ($millions) | 5.9396% | 1,564 |
| Cash dividends to net income (ytd only)* | 72.1973% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2584% | 345 |
| 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 | 55.7556% | 4,140 |
| Net loans and leases to deposits | 74.3109% | 3,387 |
| Net loans and leases to core deposits | 75.3977% | 3,716 |
| Total domestic deposits to total assets | 75.0301% | 5,061 |
| Equity capital to assets | 17.2744% | 376 |
| Core capital (leverage) ratio | 17.5643% | 338 |
| Tier 1 risk-based capital ratio | 24.8140% | 760 |
| Total risk-based capital ratio | 26.0707% | 748 |
| Memoranda: | ||
| Average total assets | $146,063,000 | 3,517 |
| Average earning assets | $139,242,500 | 3,460 |
| Average equity | $25,785,500 | 2,633 |
| Average total loans | $86,017,000 | 3,628 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 4,208 |
| Cost of funding earning assets | 0.1617% | 5,199 |
| Net interest margin | 3.5922% | 3,198 |
| Noninterest income to average assets | 0.3444% | 4,003 |
| Noninterest expense to average assets | 2.0891% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3273% | 1,170 |
| Return on assets (ROA) | 1.3462% | 1,149 |
| Pretax return on assets | 1.7029% | 1,000 |
| Return on Equity (ROE) | 7.7652% | 2,905 |
| Retained earnings to average equity (ytd only) | 5.2255% | 1,981 |
| Net charge-offs to loans | 0.0257% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 111.4545% | 602 |
| Efficiency ratio | 55.4425% | 4,821 |
| Assets per employee ($millions) | 5.7454% | 1,717 |
| Cash dividends to net income (ytd only)* | 32.7060% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1837% | 382 |
| 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 | 59.4716% | 3,883 |
| Net loans and leases to deposits | 81.1541% | 2,798 |
| Net loans and leases to core deposits | 82.4099% | 3,214 |
| Total domestic deposits to total assets | 73.2823% | 5,238 |
| Equity capital to assets | 18.0457% | 308 |
| Core capital (leverage) ratio | 18.0428% | 288 |
| Tier 1 risk-based capital ratio | 24.4241% | 778 |
| Total risk-based capital ratio | 25.6808% | 757 |
| Memoranda: | ||
| Average total assets | $146,041,000 | 3,522 |
| Average earning assets | $139,189,200 | 3,465 |
| Average equity | $25,318,000 | 2,656 |
| Average total loans | $85,650,400 | 3,620 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7213% | 4,263 |
| Cost of funding earning assets | 0.1555% | 5,281 |
| Net interest margin | 3.5658% | 3,273 |
| Noninterest income to average assets | 0.3291% | 4,183 |
| Noninterest expense to average assets | 2.0157% | 4,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4068% | 1,069 |
| Return on assets (ROA) | 1.4329% | 1,038 |
| Pretax return on assets | 1.7439% | 1,015 |
| Return on Equity (ROE) | 8.3492% | 2,956 |
| Retained earnings to average equity (ytd only) | 4.9428% | 2,925 |
| Net charge-offs to loans | 0.0360% | 2,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 81.8585% | 797 |
| Efficiency ratio | 54.0732% | 4,932 |
| Assets per employee ($millions) | 5.9271% | 1,550 |
| Cash dividends to net income (ytd only)* | 40.7994% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0996% | 482 |
| Loan loss allowance to noncurrent loans | 63,533.3333% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,263 |
| Noncurrent loans to loans | 0.0033% | 5,142 |
| Net loans and leases to total assets | 62.4755% | 3,601 |
| Net loans and leases to deposits | 84.9288% | 2,443 |
| Net loans and leases to core deposits | 86.2500% | 2,943 |
| Total domestic deposits to total assets | 73.5622% | 5,273 |
| Equity capital to assets | 18.1088% | 327 |
| Core capital (leverage) ratio | 17.6964% | 322 |
| Tier 1 risk-based capital ratio | 23.7175% | 876 |
| Total risk-based capital ratio | 24.9738% | 859 |
| Memoranda: | ||
| Average total assets | $146,642,500 | 3,541 |
| Average earning assets | $139,768,500 | 3,486 |
| Average equity | $25,167,500 | 2,691 |
| Average total loans | $85,230,750 | 3,655 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6394% | 4,397 |
| Cost of funding earning assets | 0.1474% | 5,355 |
| Net interest margin | 3.4920% | 3,433 |
| Noninterest income to average assets | 0.3160% | 4,281 |
| Noninterest expense to average assets | 2.0634% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2754% | 1,362 |
| Return on assets (ROA) | 1.2896% | 1,349 |
| Pretax return on assets | 1.5975% | 1,354 |
| Return on Equity (ROE) | 7.6492% | 3,223 |
| Retained earnings to average equity (ytd only) | 5.0701% | 2,666 |
| Net charge-offs to loans | 0.0480% | 2,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 969 |
| Efficiency ratio | 56.6345% | 4,752 |
| Assets per employee ($millions) | 6.0484% | 1,423 |
| Cash dividends to net income (ytd only)* | 33.7173% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2141% | 425 |
| Loan loss allowance to noncurrent loans | 95,450.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,324 |
| Noncurrent loans to loans | 0.0023% | 5,199 |
| Net loans and leases to total assets | 58.0806% | 4,023 |
| Net loans and leases to deposits | 78.0867% | 3,113 |
| Net loans and leases to core deposits | 79.2628% | 3,486 |
| Total domestic deposits to total assets | 74.3797% | 5,262 |
| Equity capital to assets | 17.6031% | 353 |
| Core capital (leverage) ratio | 16.9500% | 374 |
| Tier 1 risk-based capital ratio | 23.9559% | 855 |
| Total risk-based capital ratio | 25.2125% | 835 |
| Memoranda: | ||
| Average total assets | $148,106,330 | 3,546 |
| Average earning assets | $141,122,000 | 3,477 |
| Average equity | $24,970,000 | 2,708 |
| Average total loans | $83,381,670 | 3,707 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5404% | 4,573 |
| Cost of funding earning assets | 0.1234% | 5,537 |
| Net interest margin | 3.4170% | 3,590 |
| Noninterest income to average assets | 0.2754% | 4,575 |
| Noninterest expense to average assets | 2.0511% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1766% | 1,567 |
| Return on assets (ROA) | 1.1766% | 1,610 |
| Pretax return on assets | 1.4815% | 1,598 |
| Return on Equity (ROE) | 7.1317% | 3,350 |
| Retained earnings to average equity (ytd only) | 1.9126% | 4,360 |
| Net charge-offs to loans | 0.1025% | 1,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 26.3810% | 1,307 |
| Efficiency ratio | 58.0621% | 4,704 |
| Assets per employee ($millions) | 6.3408% | 1,267 |
| Cash dividends to net income (ytd only)* | 73.1818% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3371% | 393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 52.3922% | 4,480 |
| Net loans and leases to deposits | 69.7740% | 3,822 |
| Net loans and leases to core deposits | 70.7648% | 4,090 |
| Total domestic deposits to total assets | 75.0885% | 5,325 |
| Equity capital to assets | 16.3203% | 450 |
| Core capital (leverage) ratio | 16.2899% | 428 |
| Tier 1 risk-based capital ratio | 23.6615% | 899 |
| Total risk-based capital ratio | 24.9188% | 883 |
| Memoranda: | ||
| Average total assets | $149,578,500 | 3,558 |
| Average earning assets | $142,581,500 | 3,488 |
| Average equity | $24,678,500 | 2,734 |
| Average total loans | $81,962,500 | 3,770 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4330% | 4,918 |
| Cost of funding earning assets | 0.1269% | 5,576 |
| Net interest margin | 3.3061% | 4,128 |
| Noninterest income to average assets | 0.3352% | 4,337 |
| Noninterest expense to average assets | 1.9838% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1948% | 1,531 |
| Return on assets (ROA) | 1.2791% | 1,338 |
| Pretax return on assets | 1.6156% | 1,233 |
| Return on Equity (ROE) | 8.0379% | 2,912 |
| Retained earnings to average equity (ytd only) | 5.9105% | 1,758 |
| Net charge-offs to loans | -0.0576% | 5,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7980% | 4,976 |
| Assets per employee ($millions) | 6.1241% | 1,391 |
| Cash dividends to net income (ytd only)* | 26.4676% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3442% | 378 |
| Loan loss allowance to noncurrent loans | 4,822.5000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 5,274 |
| Noncurrent loans to loans | 0.0486% | 5,052 |
| Net loans and leases to total assets | 54.6735% | 4,373 |
| Net loans and leases to deposits | 75.0729% | 3,401 |
| Net loans and leases to core deposits | 76.2121% | 3,734 |
| Total domestic deposits to total assets | 72.8272% | 5,508 |
| Equity capital to assets | 16.6834% | 422 |
| Core capital (leverage) ratio | 16.6699% | 385 |
| Tier 1 risk-based capital ratio | 23.6364% | 901 |
| Total risk-based capital ratio | 24.8936% | 887 |
| Memoranda: | ||
| Average total assets | $151,829,600 | 3,491 |
| Average earning assets | $145,006,400 | 3,434 |
| Average equity | $24,160,400 | 2,786 |
| Average total loans | $81,570,200 | 3,772 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4124% | 5,002 |
| Cost of funding earning assets | 0.1276% | 5,634 |
| Net interest margin | 3.2848% | 4,234 |
| Noninterest income to average assets | 0.3189% | 4,491 |
| Noninterest expense to average assets | 1.9933% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1919% | 1,661 |
| Return on assets (ROA) | 1.2929% | 1,418 |
| Pretax return on assets | 1.5908% | 1,406 |
| Return on Equity (ROE) | 8.2202% | 2,896 |
| Retained earnings to average equity (ytd only) | 5.3730% | 2,571 |
| Net charge-offs to loans | -0.0213% | 5,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6177% | 4,870 |
| Assets per employee ($millions) | 6.1480% | 1,325 |
| Cash dividends to net income (ytd only)* | 34.6363% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1918% | 529 |
| Loan loss allowance to noncurrent loans | 94,750.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,546 |
| Noncurrent loans to loans | 0.0023% | 5,417 |
| Net loans and leases to total assets | 57.3100% | 4,168 |
| Net loans and leases to deposits | 78.7546% | 3,109 |
| Net loans and leases to core deposits | 79.9452% | 3,449 |
| Total domestic deposits to total assets | 72.7703% | 5,543 |
| Equity capital to assets | 16.7019% | 459 |
| Core capital (leverage) ratio | 16.0513% | 465 |
| Tier 1 risk-based capital ratio | 22.7187% | 1,044 |
| Total risk-based capital ratio | 23.9748% | 1,028 |
| Memoranda: | ||
| Average total assets | $153,042,500 | 3,488 |
| Average earning assets | $146,325,250 | 3,427 |
| Average equity | $24,070,250 | 2,815 |
| Average total loans | $81,391,000 | 3,792 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3470% | 5,192 |
| Cost of funding earning assets | 0.1270% | 5,717 |
| Net interest margin | 3.2200% | 4,484 |
| Noninterest income to average assets | 0.2906% | 4,709 |
| Noninterest expense to average assets | 1.9074% | 5,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1885% | 1,647 |
| Return on assets (ROA) | 1.2785% | 1,451 |
| Pretax return on assets | 1.5729% | 1,447 |
| Return on Equity (ROE) | 8.2918% | 2,836 |
| Retained earnings to average equity (ytd only) | 6.1393% | 2,044 |
| Net charge-offs to loans | -0.0025% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6117% | 5,066 |
| Assets per employee ($millions) | 6.3859% | 1,142 |
| Cash dividends to net income (ytd only)* | 25.9596% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3186% | 450 |
| Loan loss allowance to noncurrent loans | 15,691.6667% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 5,599 |
| Noncurrent loans to loans | 0.0148% | 5,425 |
| Net loans and leases to total assets | 51.7604% | 4,699 |
| Net loans and leases to deposits | 70.6384% | 3,926 |
| Net loans and leases to core deposits | 71.6580% | 4,208 |
| Total domestic deposits to total assets | 73.2752% | 5,584 |
| Equity capital to assets | 15.9707% | 552 |
| Core capital (leverage) ratio | 15.3389% | 548 |
| Tier 1 risk-based capital ratio | 22.8472% | 1,030 |
| Total risk-based capital ratio | 24.1040% | 1,011 |
| Memoranda: | ||
| Average total assets | $154,872,670 | 3,483 |
| Average earning assets | $148,072,670 | 3,433 |
| Average equity | $23,879,000 | 2,843 |
| Average total loans | $79,702,330 | 3,847 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2971% | 5,327 |
| Cost of funding earning assets | 0.1264% | 5,777 |
| Net interest margin | 3.1707% | 4,672 |
| Noninterest income to average assets | 0.2544% | 4,924 |
| Noninterest expense to average assets | 1.9091% | 5,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1215% | 1,829 |
| Return on assets (ROA) | 1.3027% | 1,330 |
| Pretax return on assets | 1.5956% | 1,309 |
| Return on Equity (ROE) | 8.6005% | 2,609 |
| Retained earnings to average equity (ytd only) | 4.2409% | 3,360 |
| Net charge-offs to loans | 0.0051% | 2,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 535.0000% | 100 |
| Efficiency ratio | 58.1377% | 4,983 |
| Assets per employee ($millions) | 6.5318% | 1,089 |
| Cash dividends to net income (ytd only)* | 50.6903% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3988% | 445 |
| 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 | 48.8199% | 4,905 |
| Net loans and leases to deposits | 65.7305% | 4,281 |
| Net loans and leases to core deposits | 66.6446% | 4,493 |
| Total domestic deposits to total assets | 74.2728% | 5,594 |
| Equity capital to assets | 15.1910% | 654 |
| Core capital (leverage) ratio | 14.9005% | 620 |
| Tier 1 risk-based capital ratio | 22.7755% | 1,040 |
| Total risk-based capital ratio | 24.0321% | 1,014 |
| Memoranda: | ||
| Average total assets | $155,678,000 | 3,497 |
| Average earning assets | $148,735,000 | 3,438 |
| Average equity | $23,580,000 | 2,867 |
| Average total loans | $78,947,500 | 3,887 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2440% | 5,443 |
| Cost of funding earning assets | 0.1289% | 5,821 |
| Net interest margin | 3.1151% | 4,867 |
| Noninterest income to average assets | 0.3513% | 4,391 |
| Noninterest expense to average assets | 1.9222% | 5,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1260% | 1,816 |
| Return on assets (ROA) | 1.1591% | 1,778 |
| Pretax return on assets | 1.4540% | 1,703 |
| Return on Equity (ROE) | 7.7912% | 3,080 |
| Retained earnings to average equity (ytd only) | 5.5223% | 2,070 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6408% | 5,184 |
| Assets per employee ($millions) | 6.4413% | 1,123 |
| Cash dividends to net income (ytd only)* | 29.1218% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3678% | 475 |
| Loan loss allowance to noncurrent loans | 9,410.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 5,652 |
| Noncurrent loans to loans | 0.0252% | 5,415 |
| Net loans and leases to total assets | 50.1966% | 4,852 |
| Net loans and leases to deposits | 67.3132% | 4,190 |
| Net loans and leases to core deposits | 68.2582% | 4,432 |
| Total domestic deposits to total assets | 74.5718% | 5,595 |
| Equity capital to assets | 15.1017% | 651 |
| Core capital (leverage) ratio | 15.2571% | 575 |
| Tier 1 risk-based capital ratio | 22.5230% | 1,081 |
| Total risk-based capital ratio | 23.7795% | 1,057 |
| Memoranda: | ||
| Average total assets | $152,271,600 | 3,536 |
| Average earning assets | $145,837,000 | 3,462 |
| Average equity | $22,653,800 | 2,909 |
| Average total loans | $75,642,400 | 3,955 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2108% | 5,570 |
| Cost of funding earning assets | 0.1292% | 5,922 |
| Net interest margin | 3.0816% | 5,011 |
| Noninterest income to average assets | 0.3428% | 4,484 |
| Noninterest expense to average assets | 2.0190% | 5,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0469% | 2,230 |
| Return on assets (ROA) | 1.0714% | 2,220 |
| Pretax return on assets | 1.3088% | 2,358 |
| Return on Equity (ROE) | 7.2297% | 3,515 |
| Retained earnings to average equity (ytd only) | 4.1813% | 3,487 |
| Net charge-offs to loans | -0.0321% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2207% | 4,686 |
| Assets per employee ($millions) | 6.2655% | 1,193 |
| Cash dividends to net income (ytd only)* | 42.1660% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4561% | 460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 50.1806% | 4,916 |
| Net loans and leases to deposits | 65.5120% | 4,425 |
| Net loans and leases to core deposits | 66.4319% | 4,660 |
| Total domestic deposits to total assets | 76.5975% | 5,405 |
| Equity capital to assets | 15.2421% | 689 |
| Core capital (leverage) ratio | 15.0671% | 625 |
| Tier 1 risk-based capital ratio | 22.7704% | 1,086 |
| Total risk-based capital ratio | 24.0283% | 1,067 |
| Memoranda: | ||
| Average total assets | $151,691,500 | 3,576 |
| Average earning assets | $145,463,500 | 3,496 |
| Average equity | $22,480,750 | 2,942 |
| Average total loans | $74,682,500 | 4,020 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1445% | 5,694 |
| Cost of funding earning assets | 0.1288% | 5,990 |
| Net interest margin | 3.0157% | 5,184 |
| Noninterest income to average assets | 0.3418% | 4,508 |
| Noninterest expense to average assets | 2.0745% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9357% | 2,709 |
| Return on assets (ROA) | 0.9847% | 2,584 |
| Pretax return on assets | 1.2213% | 2,693 |
| Return on Equity (ROE) | 6.7072% | 3,779 |
| Retained earnings to average equity (ytd only) | 4.4058% | 3,209 |
| Net charge-offs to loans | -0.0027% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1203% | 4,340 |
| Assets per employee ($millions) | 5.9258% | 1,414 |
| Cash dividends to net income (ytd only)* | 34.3124% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5888% | 436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 47.8261% | 5,123 |
| Net loans and leases to deposits | 61.5912% | 4,730 |
| Net loans and leases to core deposits | 62.4566% | 4,908 |
| Total domestic deposits to total assets | 77.6510% | 5,349 |
| Equity capital to assets | 15.1352% | 679 |
| Core capital (leverage) ratio | 14.5275% | 707 |
| Tier 1 risk-based capital ratio | 24.5690% | 900 |
| Total risk-based capital ratio | 25.8285% | 886 |
| Memoranda: | ||
| Average total assets | $152,131,000 | 3,595 |
| Average earning assets | $145,970,670 | 3,517 |
| Average equity | $22,334,330 | 2,968 |
| Average total loans | $73,790,670 | 4,061 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0534% | 5,836 |
| Cost of funding earning assets | 0.1296% | 6,067 |
| Net interest margin | 2.9239% | 5,397 |
| Noninterest income to average assets | 0.3166% | 4,656 |
| Noninterest expense to average assets | 1.9413% | 5,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9540% | 2,481 |
| Return on assets (ROA) | 0.9603% | 2,580 |
| Pretax return on assets | 1.1938% | 2,695 |
| Return on Equity (ROE) | 6.6396% | 3,687 |
| Retained earnings to average equity (ytd only) | 2.0278% | 4,662 |
| Net charge-offs to loans | -0.0861% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0747% | 4,784 |
| Assets per employee ($millions) | 6.4180% | 1,126 |
| Cash dividends to net income (ytd only)* | 69.4595% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6788% | 418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 42.9757% | 5,428 |
| Net loans and leases to deposits | 54.3681% | 5,167 |
| Net loans and leases to core deposits | 55.0596% | 5,312 |
| Total domestic deposits to total assets | 79.0459% | 5,254 |
| Equity capital to assets | 14.0111% | 984 |
| Core capital (leverage) ratio | 14.2068% | 764 |
| Tier 1 risk-based capital ratio | 24.5396% | 935 |
| Total risk-based capital ratio | 25.8000% | 916 |
| Memoranda: | ||
| Average total assets | $154,124,000 | 3,586 |
| Average earning assets | $148,160,500 | 3,492 |
| Average equity | $22,290,500 | 2,992 |
| Average total loans | $74,318,500 | 4,070 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1814% | 5,856 |
| Cost of funding earning assets | 0.1456% | 6,123 |
| Net interest margin | 3.0358% | 5,361 |
| Noninterest income to average assets | 0.4066% | 4,131 |
| Noninterest expense to average assets | 1.9533% | 5,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0746% | 2,072 |
| Return on assets (ROA) | 1.1144% | 1,973 |
| Pretax return on assets | 1.4037% | 1,873 |
| Return on Equity (ROE) | 8.0256% | 3,125 |
| Retained earnings to average equity (ytd only) | 5.5745% | 2,213 |
| Net charge-offs to loans | 0.1658% | 2,376 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 17.6207% | 1,914 |
| Efficiency ratio | 59.0709% | 5,336 |
| Assets per employee ($millions) | 5.9119% | 1,440 |
| Cash dividends to net income (ytd only)* | 30.5407% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4195% | 612 |
| Loan loss allowance to noncurrent loans | 5,535.2941% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 5,951 |
| Noncurrent loans to loans | 0.0437% | 5,703 |
| Net loans and leases to total assets | 51.3556% | 4,848 |
| Net loans and leases to deposits | 66.4542% | 4,276 |
| Net loans and leases to core deposits | 67.3936% | 4,564 |
| Total domestic deposits to total assets | 77.2796% | 5,559 |
| Equity capital to assets | 14.9529% | 713 |
| Core capital (leverage) ratio | 14.7373% | 659 |
| Tier 1 risk-based capital ratio | 23.0948% | 1,078 |
| Total risk-based capital ratio | 24.3538% | 1,046 |
| Memoranda: | ||
| Average total assets | $151,026,800 | 3,618 |
| Average earning assets | $144,276,400 | 3,532 |
| Average equity | $20,970,400 | 3,058 |
| Average total loans | $69,978,000 | 4,183 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1287% | 5,987 |
| Cost of funding earning assets | 0.1490% | 6,189 |
| Net interest margin | 2.9796% | 5,546 |
| Noninterest income to average assets | 0.4039% | 4,216 |
| Noninterest expense to average assets | 1.9249% | 5,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0843% | 2,094 |
| Return on assets (ROA) | 1.0757% | 2,201 |
| Pretax return on assets | 1.3128% | 2,326 |
| Return on Equity (ROE) | 7.8949% | 3,264 |
| Retained earnings to average equity (ytd only) | 4.5823% | 3,378 |
| Net charge-offs to loans | 0.0020% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,510.7368% | 38 |
| Efficiency ratio | 59.2593% | 5,281 |
| Assets per employee ($millions) | 5.9516% | 1,362 |
| Cash dividends to net income (ytd only)* | 41.9595% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7877% | 443 |
| Loan loss allowance to noncurrent loans | 6,240.6250% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 6,083 |
| Noncurrent loans to loans | 0.0447% | 5,833 |
| Net loans and leases to total assets | 46.8026% | 5,306 |
| Net loans and leases to deposits | 59.9042% | 4,951 |
| Net loans and leases to core deposits | 60.7354% | 5,139 |
| Total domestic deposits to total assets | 78.1291% | 5,506 |
| Equity capital to assets | 14.4209% | 867 |
| Core capital (leverage) ratio | 14.4028% | 747 |
| Tier 1 risk-based capital ratio | 23.7586% | 1,018 |
| Total risk-based capital ratio | 24.9795% | 1,001 |
| Memoranda: | ||
| Average total assets | $151,834,250 | 3,627 |
| Average earning assets | $144,936,000 | 3,559 |
| Average equity | $20,688,000 | 3,098 |
| Average total loans | $68,026,500 | 4,277 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9982% | 6,182 |
| Cost of funding earning assets | 0.1534% | 6,249 |
| Net interest margin | 2.8448% | 5,827 |
| Noninterest income to average assets | 0.4226% | 4,070 |
| Noninterest expense to average assets | 1.9457% | 5,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0055% | 2,303 |
| Return on assets (ROA) | 1.0429% | 2,210 |
| Pretax return on assets | 1.2391% | 2,504 |
| Return on Equity (ROE) | 7.8016% | 3,205 |
| Retained earnings to average equity (ytd only) | 5.2859% | 2,774 |
| Net charge-offs to loans | -0.0030% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9583% | 5,013 |
| Assets per employee ($millions) | 5.9188% | 1,336 |
| Cash dividends to net income (ytd only)* | 32.2459% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9170% | 422 |
| Loan loss allowance to noncurrent loans | 7,996.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 6,185 |
| Noncurrent loans to loans | 0.0365% | 5,952 |
| Net loans and leases to total assets | 44.9622% | 5,467 |
| Net loans and leases to deposits | 57.2177% | 5,102 |
| Net loans and leases to core deposits | 58.0109% | 5,274 |
| Total domestic deposits to total assets | 78.5809% | 5,534 |
| Equity capital to assets | 14.2819% | 870 |
| Core capital (leverage) ratio | 13.9683% | 841 |
| Tier 1 risk-based capital ratio | 24.3055% | 947 |
| Total risk-based capital ratio | 25.5677% | 929 |
| Memoranda: | ||
| Average total assets | $152,848,670 | 3,639 |
| Average earning assets | $146,019,000 | 3,565 |
| Average equity | $20,431,670 | 3,126 |
| Average total loans | $66,823,670 | 4,333 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8156% | 6,386 |
| Cost of funding earning assets | 0.1564% | 6,320 |
| Net interest margin | 2.6592% | 6,162 |
| Noninterest income to average assets | 0.3014% | 4,946 |
| Noninterest expense to average assets | 1.8649% | 6,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7831% | 3,236 |
| Return on assets (ROA) | 0.7831% | 3,318 |
| Pretax return on assets | 0.9763% | 3,421 |
| Return on Equity (ROE) | 6.0555% | 3,993 |
| Retained earnings to average equity (ytd only) | 0.9362% | 5,224 |
| Net charge-offs to loans | -0.0364% | 5,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6392% | 4,589 |
| Assets per employee ($millions) | 6.3257% | 1,101 |
| Cash dividends to net income (ytd only)* | 84.5395% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2172% | 351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.1221% | 5,935 |
| Net loans and leases to deposits | 47.6720% | 5,751 |
| Net loans and leases to core deposits | 48.2057% | 5,864 |
| Total domestic deposits to total assets | 79.9674% | 5,487 |
| Equity capital to assets | 12.8631% | 1,376 |
| Core capital (leverage) ratio | 13.2915% | 1,042 |
| Tier 1 risk-based capital ratio | 24.6367% | 923 |
| Total risk-based capital ratio | 25.9005% | 904 |
| Memoranda: | ||
| Average total assets | $155,287,500 | 3,631 |
| Average earning assets | $148,315,500 | 3,535 |
| Average equity | $20,081,000 | 3,170 |
| Average total loans | $65,970,500 | 4,390 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9593% | 6,378 |
| Cost of funding earning assets | 0.2129% | 6,215 |
| Net interest margin | 2.7464% | 6,071 |
| Noninterest income to average assets | 0.4470% | 4,103 |
| Noninterest expense to average assets | 1.9988% | 6,028 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8848% | 2,855 |
| Return on assets (ROA) | 0.9863% | 2,459 |
| Pretax return on assets | 1.1969% | 2,594 |
| Return on Equity (ROE) | 7.4393% | 3,333 |
| Retained earnings to average equity (ytd only) | 2.3490% | 4,572 |
| Net charge-offs to loans | -0.0463% | 6,316 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0664% | 4,719 |
| Assets per employee ($millions) | 6.0973% | 1,208 |
| Cash dividends to net income (ytd only)* | 68.4246% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8686% | 547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 44.3815% | 5,643 |
| Net loans and leases to deposits | 57.5610% | 5,159 |
| Net loans and leases to core deposits | 58.3484% | 5,364 |
| Total domestic deposits to total assets | 77.1034% | 5,951 |
| Equity capital to assets | 13.0024% | 1,272 |
| Core capital (leverage) ratio | 14.2093% | 768 |
| Tier 1 risk-based capital ratio | 23.0649% | 1,088 |
| Total risk-based capital ratio | 24.3254% | 1,066 |
| Memoranda: | ||
| Average total assets | $151,887,600 | 3,674 |
| Average earning assets | $145,169,800 | 3,584 |
| Average equity | $20,136,200 | 3,141 |
| Average total loans | $62,637,800 | 4,527 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8572% | 6,525 |
| Cost of funding earning assets | 0.2242% | 6,270 |
| Net interest margin | 2.6330% | 6,271 |
| Noninterest income to average assets | 0.4569% | 4,109 |
| Noninterest expense to average assets | 1.9637% | 6,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8234% | 3,232 |
| Return on assets (ROA) | 0.8654% | 3,124 |
| Pretax return on assets | 1.0631% | 3,255 |
| Return on Equity (ROE) | 6.4966% | 3,929 |
| Retained earnings to average equity (ytd only) | -0.2638% | 5,994 |
| Net charge-offs to loans | -0.0767% | 6,432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0071% | 4,477 |
| Assets per employee ($millions) | 5.7214% | 1,427 |
| Cash dividends to net income (ytd only)* | 104.0608% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0182% | 543 |
| Loan loss allowance to noncurrent loans | 50,100.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,523 |
| Noncurrent loans to loans | 0.0060% | 6,369 |
| Net loans and leases to total assets | 45.0191% | 5,627 |
| Net loans and leases to deposits | 55.6374% | 5,402 |
| Net loans and leases to core deposits | 56.4094% | 5,589 |
| Total domestic deposits to total assets | 80.9152% | 5,236 |
| Equity capital to assets | 13.4219% | 1,155 |
| Core capital (leverage) ratio | 13.8621% | 899 |
| Tier 1 risk-based capital ratio | 23.6778% | 1,047 |
| Total risk-based capital ratio | 24.9406% | 1,025 |
| Memoranda: | ||
| Average total assets | $151,751,250 | 3,710 |
| Average earning assets | $145,128,500 | 3,621 |
| Average equity | $20,215,250 | 3,165 |
| Average total loans | $60,884,750 | 4,625 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7582% | 6,626 |
| Cost of funding earning assets | 0.2336% | 6,281 |
| Net interest margin | 2.5247% | 6,423 |
| Noninterest income to average assets | 0.4772% | 3,977 |
| Noninterest expense to average assets | 2.0044% | 6,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6922% | 3,846 |
| Return on assets (ROA) | 0.6750% | 4,091 |
| Pretax return on assets | 0.8690% | 4,025 |
| Return on Equity (ROE) | 5.0792% | 4,679 |
| Retained earnings to average equity (ytd only) | -3.0164% | 6,312 |
| Net charge-offs to loans | -0.0373% | 6,151 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2273% | 3,972 |
| Assets per employee ($millions) | 5.9623% | 1,228 |
| Cash dividends to net income (ytd only)* | 159.3870% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2478% | 462 |
| Loan loss allowance to noncurrent loans | 8,250.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 6,499 |
| Noncurrent loans to loans | 0.0394% | 6,277 |
| Net loans and leases to total assets | 39.5721% | 6,072 |
| Net loans and leases to deposits | 48.8226% | 5,932 |
| Net loans and leases to core deposits | 49.4699% | 6,053 |
| Total domestic deposits to total assets | 81.0529% | 5,330 |
| Equity capital to assets | 13.0648% | 1,324 |
| Core capital (leverage) ratio | 12.6323% | 1,309 |
| Tier 1 risk-based capital ratio | 23.9860% | 1,000 |
| Total risk-based capital ratio | 25.2491% | 978 |
| Memoranda: | ||
| Average total assets | $154,656,670 | 3,693 |
| Average earning assets | $148,139,330 | 3,595 |
| Average equity | $20,554,330 | 3,150 |
| Average total loans | $59,047,330 | 4,703 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6268% | 6,773 |
| Cost of funding earning assets | 0.2492% | 6,295 |
| Net interest margin | 2.3777% | 6,619 |
| Noninterest income to average assets | 0.2972% | 5,328 |
| Noninterest expense to average assets | 1.9485% | 6,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4369% | 4,969 |
| Return on assets (ROA) | 0.4369% | 5,135 |
| Pretax return on assets | 0.6275% | 4,848 |
| Return on Equity (ROE) | 3.2615% | 5,459 |
| Retained earnings to average equity (ytd only) | -0.6637% | 5,908 |
| Net charge-offs to loans | -0.0482% | 6,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6410% | 2,986 |
| Assets per employee ($millions) | 6.6716% | 909 |
| Cash dividends to net income (ytd only)* | 120.3488% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6174% | 382 |
| Loan loss allowance to noncurrent loans | 8,981.8182% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 6,581 |
| Noncurrent loans to loans | 0.0403% | 6,367 |
| Net loans and leases to total assets | 31.5659% | 6,535 |
| Net loans and leases to deposits | 38.5461% | 6,484 |
| Net loans and leases to core deposits | 38.9964% | 6,521 |
| Total domestic deposits to total assets | 81.8911% | 5,234 |
| Equity capital to assets | 12.6500% | 1,618 |
| Core capital (leverage) ratio | 12.4327% | 1,369 |
| Tier 1 risk-based capital ratio | 25.0684% | 879 |
| Total risk-based capital ratio | 26.3330% | 865 |
| Memoranda: | ||
| Average total assets | $157,456,500 | 3,688 |
| Average earning assets | $150,905,000 | 3,576 |
| Average equity | $21,094,500 | 3,119 |
| Average total loans | $58,088,500 | 4,775 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2978% | 6,587 |
| Cost of funding earning assets | 0.4319% | 5,709 |
| Net interest margin | 2.8660% | 6,287 |
| Noninterest income to average assets | 0.3681% | 4,844 |
| Noninterest expense to average assets | 1.9951% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8851% | 2,890 |
| Return on assets (ROA) | 0.9661% | 2,716 |
| Pretax return on assets | 1.2076% | 2,779 |
| Return on Equity (ROE) | 6.8425% | 3,735 |
| Retained earnings to average equity (ytd only) | 4.8993% | 2,765 |
| Net charge-offs to loans | -0.1289% | 6,880 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3283% | 4,825 |
| Assets per employee ($millions) | 5.9249% | 1,338 |
| Cash dividends to net income (ytd only)* | 28.3994% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1989% | 554 |
| Loan loss allowance to noncurrent loans | 9,376.1905% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 6,645 |
| Noncurrent loans to loans | 0.0341% | 6,421 |
| Net loans and leases to total assets | 40.2256% | 6,151 |
| Net loans and leases to deposits | 49.1913% | 6,016 |
| Net loans and leases to core deposits | 49.8386% | 6,158 |
| Total domestic deposits to total assets | 81.7738% | 5,170 |
| Equity capital to assets | 14.2383% | 960 |
| Core capital (leverage) ratio | 13.8794% | 834 |
| Tier 1 risk-based capital ratio | 25.1462% | 836 |
| Total risk-based capital ratio | 26.4101% | 820 |
| Memoranda: | ||
| Average total assets | $146,160,200 | 3,841 |
| Average earning assets | $139,395,000 | 3,735 |
| Average equity | $20,635,800 | 3,131 |
| Average total loans | $60,523,200 | 4,687 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3629% | 6,665 |
| Cost of funding earning assets | 0.4623% | 5,703 |
| Net interest margin | 2.9006% | 6,360 |
| Noninterest income to average assets | 0.3451% | 5,051 |
| Noninterest expense to average assets | 1.9743% | 6,391 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8590% | 3,174 |
| Return on assets (ROA) | 0.9702% | 2,877 |
| Pretax return on assets | 1.2869% | 2,654 |
| Return on Equity (ROE) | 6.8867% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.2814% | 3,882 |
| Net charge-offs to loans | -0.0597% | 6,750 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4225% | 4,902 |
| Assets per employee ($millions) | 5.7541% | 1,414 |
| Cash dividends to net income (ytd only)* | 37.8299% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9636% | 747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 43.6557% | 5,996 |
| Net loans and leases to deposits | 54.3285% | 5,783 |
| Net loans and leases to core deposits | 55.0761% | 5,959 |
| Total domestic deposits to total assets | 80.3549% | 5,560 |
| Equity capital to assets | 14.6497% | 925 |
| Core capital (leverage) ratio | 13.6859% | 952 |
| Tier 1 risk-based capital ratio | 24.3529% | 975 |
| Total risk-based capital ratio | 25.6163% | 958 |
| Memoranda: | ||
| Average total assets | $145,669,750 | 3,888 |
| Average earning assets | $139,003,000 | 3,776 |
| Average equity | $20,522,250 | 3,171 |
| Average total loans | $60,266,000 | 4,754 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3274% | 6,795 |
| Cost of funding earning assets | 0.4858% | 5,722 |
| Net interest margin | 2.8416% | 6,513 |
| Noninterest income to average assets | 0.4758% | 4,089 |
| Noninterest expense to average assets | 2.0769% | 6,268 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7156% | 3,781 |
| Return on assets (ROA) | 0.7288% | 3,985 |
| Pretax return on assets | 1.1307% | 3,191 |
| Return on Equity (ROE) | 5.2413% | 4,685 |
| Retained earnings to average equity (ytd only) | 3.2746% | 4,433 |
| Net charge-offs to loans | -0.0817% | 6,812 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1652% | 4,694 |
| Assets per employee ($millions) | 5.8591% | 1,325 |
| Cash dividends to net income (ytd only)* | 37.5235% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0690% | 729 |
| Loan loss allowance to noncurrent loans | 13,678.5714% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 6,820 |
| Noncurrent loans to loans | 0.0224% | 6,636 |
| Net loans and leases to total assets | 41.2918% | 6,251 |
| Net loans and leases to deposits | 51.2842% | 6,075 |
| Net loans and leases to core deposits | 52.1212% | 6,230 |
| Total domestic deposits to total assets | 80.5157% | 5,610 |
| Equity capital to assets | 14.1422% | 1,036 |
| Core capital (leverage) ratio | 12.8357% | 1,206 |
| Tier 1 risk-based capital ratio | 24.3937% | 971 |
| Total risk-based capital ratio | 25.6579% | 949 |
| Memoranda: | ||
| Average total assets | $146,275,330 | 3,898 |
| Average earning assets | $139,570,000 | 3,791 |
| Average equity | $20,338,330 | 3,185 |
| Average total loans | $58,782,000 | 4,835 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2597% | 6,917 |
| Cost of funding earning assets | 0.5160% | 5,712 |
| Net interest margin | 2.7436% | 6,725 |
| Noninterest income to average assets | 0.6048% | 3,200 |
| Noninterest expense to average assets | 2.1618% | 6,130 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6184% | 4,271 |
| Return on assets (ROA) | 0.6184% | 4,478 |
| Pretax return on assets | 1.0617% | 3,464 |
| Return on Equity (ROE) | 4.4864% | 5,052 |
| Retained earnings to average equity (ytd only) | 0.5161% | 5,835 |
| Net charge-offs to loans | -0.1755% | 6,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0628% | 4,344 |
| Assets per employee ($millions) | 6.2408% | 1,129 |
| Cash dividends to net income (ytd only)* | 88.4956% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3887% | 579 |
| Loan loss allowance to noncurrent loans | 13,685.7143% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 6,909 |
| Noncurrent loans to loans | 0.0248% | 6,714 |
| Net loans and leases to total assets | 35.0115% | 6,689 |
| Net loans and leases to deposits | 42.9034% | 6,618 |
| Net loans and leases to core deposits | 43.6410% | 6,669 |
| Total domestic deposits to total assets | 81.6056% | 5,424 |
| Equity capital to assets | 12.9092% | 1,478 |
| Core capital (leverage) ratio | 12.9180% | 1,153 |
| Tier 1 risk-based capital ratio | 24.9923% | 908 |
| Total risk-based capital ratio | 26.2568% | 891 |
| Memoranda: | ||
| Average total assets | $146,174,500 | 3,936 |
| Average earning assets | $139,524,000 | 3,825 |
| Average equity | $20,150,000 | 3,207 |
| Average total loans | $56,974,000 | 4,946 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 6,261 |
| Cost of funding earning assets | 0.7573% | 5,155 |
| Net interest margin | 3.3551% | 5,630 |
| Noninterest income to average assets | 0.4695% | 4,057 |
| Noninterest expense to average assets | 2.1586% | 6,365 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0314% | 2,080 |
| Return on assets (ROA) | 1.0574% | 2,117 |
| Pretax return on assets | 1.5373% | 1,374 |
| Return on Equity (ROE) | 7.3547% | 3,215 |
| Retained earnings to average equity (ytd only) | 5.8044% | 2,122 |
| Net charge-offs to loans | -0.1330% | 7,173 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0081% | 5,898 |
| Assets per employee ($millions) | 5.4532% | 1,690 |
| Cash dividends to net income (ytd only)* | 21.0784% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2940% | 625 |
| Loan loss allowance to noncurrent loans | 5,909.3750% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 6,911 |
| Noncurrent loans to loans | 0.0557% | 6,682 |
| Net loans and leases to total assets | 40.7221% | 6,489 |
| Net loans and leases to deposits | 51.0135% | 6,289 |
| Net loans and leases to core deposits | 52.0402% | 6,429 |
| Total domestic deposits to total assets | 79.8260% | 5,789 |
| Equity capital to assets | 14.7870% | 828 |
| Core capital (leverage) ratio | 14.3755% | 740 |
| Tier 1 risk-based capital ratio | 25.8876% | 788 |
| Total risk-based capital ratio | 27.1527% | 774 |
| Memoranda: | ||
| Average total assets | $135,043,000 | 4,071 |
| Average earning assets | $128,342,400 | 3,963 |
| Average equity | $19,416,200 | 3,226 |
| Average total loans | $63,918,400 | 4,714 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 6,283 |
| Cost of funding earning assets | 0.7940% | 5,186 |
| Net interest margin | 3.3727% | 5,655 |
| Noninterest income to average assets | 0.5136% | 3,769 |
| Noninterest expense to average assets | 2.2188% | 6,232 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1230% | 1,894 |
| Return on assets (ROA) | 1.1609% | 1,887 |
| Pretax return on assets | 1.5528% | 1,506 |
| Return on Equity (ROE) | 8.1327% | 2,989 |
| Retained earnings to average equity (ytd only) | 6.0458% | 2,534 |
| Net charge-offs to loans | -0.1749% | 7,249 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6277% | 5,781 |
| Assets per employee ($millions) | 5.2854% | 1,833 |
| Cash dividends to net income (ytd only)* | 25.6605% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7510% | 1,076 |
| Loan loss allowance to noncurrent loans | 5,733.3333% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 6,999 |
| Noncurrent loans to loans | 0.0480% | 6,816 |
| Net loans and leases to total assets | 50.6183% | 5,626 |
| Net loans and leases to deposits | 63.6705% | 5,210 |
| Net loans and leases to core deposits | 66.1871% | 5,391 |
| Total domestic deposits to total assets | 79.5004% | 5,867 |
| Equity capital to assets | 15.1808% | 804 |
| Core capital (leverage) ratio | 14.0030% | 903 |
| Tier 1 risk-based capital ratio | 22.5125% | 1,216 |
| Total risk-based capital ratio | 23.7747% | 1,189 |
| Memoranda: | ||
| Average total assets | $134,721,500 | 4,103 |
| Average earning assets | $128,124,750 | 3,992 |
| Average equity | $19,230,500 | 3,254 |
| Average total loans | $65,546,250 | 4,696 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1093% | 6,477 |
| Cost of funding earning assets | 0.8082% | 5,314 |
| Net interest margin | 3.3011% | 5,853 |
| Noninterest income to average assets | 0.5664% | 3,360 |
| Noninterest expense to average assets | 2.2554% | 6,229 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0742% | 1,957 |
| Return on assets (ROA) | 1.0960% | 1,969 |
| Pretax return on assets | 1.4854% | 1,574 |
| Return on Equity (ROE) | 7.8399% | 3,023 |
| Retained earnings to average equity (ytd only) | 6.4260% | 2,180 |
| Net charge-offs to loans | -0.2637% | 7,333 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7711% | 5,765 |
| Assets per employee ($millions) | 5.4286% | 1,627 |
| Cash dividends to net income (ytd only)* | 18.0350% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8949% | 989 |
| Loan loss allowance to noncurrent loans | 47,275.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 7,129 |
| Noncurrent loans to loans | 0.0061% | 6,998 |
| Net loans and leases to total assets | 46.7380% | 6,187 |
| Net loans and leases to deposits | 58.3882% | 5,893 |
| Net loans and leases to core deposits | 60.6104% | 6,041 |
| Total domestic deposits to total assets | 80.0470% | 5,812 |
| Equity capital to assets | 14.3942% | 973 |
| Core capital (leverage) ratio | 13.4612% | 1,009 |
| Tier 1 risk-based capital ratio | 22.8065% | 1,149 |
| Total risk-based capital ratio | 24.0702% | 1,129 |
| Memoranda: | ||
| Average total assets | $135,584,000 | 4,116 |
| Average earning assets | $129,171,000 | 4,008 |
| Average equity | $18,954,330 | 3,271 |
| Average total loans | $64,469,670 | 4,772 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 6,711 |
| Cost of funding earning assets | 0.8407% | 5,329 |
| Net interest margin | 3.1527% | 6,212 |
| Noninterest income to average assets | 0.3542% | 5,063 |
| Noninterest expense to average assets | 2.2639% | 6,274 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7254% | 3,399 |
| Return on assets (ROA) | 0.7527% | 3,325 |
| Pretax return on assets | 1.1423% | 2,597 |
| Return on Equity (ROE) | 5.4651% | 4,175 |
| Retained earnings to average equity (ytd only) | 2.5932% | 4,608 |
| Net charge-offs to loans | -0.0500% | 6,884 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2807% | 4,791 |
| Assets per employee ($millions) | 5.5585% | 1,522 |
| Cash dividends to net income (ytd only)* | 52.5490% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8568% | 1,049 |
| Loan loss allowance to noncurrent loans | 3,859.5745% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 7,082 |
| Noncurrent loans to loans | 0.0740% | 6,851 |
| Net loans and leases to total assets | 44.3881% | 6,440 |
| Net loans and leases to deposits | 55.7788% | 6,153 |
| Net loans and leases to core deposits | 57.3934% | 6,314 |
| Total domestic deposits to total assets | 79.5787% | 6,043 |
| Equity capital to assets | 13.4777% | 1,194 |
| Core capital (leverage) ratio | 12.9984% | 1,120 |
| Tier 1 risk-based capital ratio | 22.6856% | 1,124 |
| Total risk-based capital ratio | 23.9477% | 1,102 |
| Memoranda: | ||
| Average total assets | $135,519,000 | 4,147 |
| Average earning assets | $129,412,500 | 4,036 |
| Average equity | $18,664,000 | 3,299 |
| Average total loans | $64,044,000 | 4,837 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 6,410 |
| Cost of funding earning assets | 1.1536% | 4,831 |
| Net interest margin | 3.3420% | 5,827 |
| Noninterest income to average assets | 0.6051% | 3,443 |
| Noninterest expense to average assets | 2.4357% | 5,994 |
| Loan and lease loss provision to assets | 0.0308% | 6,824 |
| Net operating income to assets | 0.9006% | 2,382 |
| Return on assets (ROA) | 0.9595% | 2,290 |
| Pretax return on assets | 1.3847% | 1,701 |
| Return on Equity (ROE) | 6.7871% | 3,221 |
| Retained earnings to average equity (ytd only) | 5.3405% | 2,230 |
| Net charge-offs to loans | 0.2730% | 4,659 |
| Credit loss provision to net charge-offs | 22.7273% | 6,545 |
| Earnings coverage of net charge-offs (x) | 9.8295% | 1,777 |
| Efficiency ratio | 64.6795% | 5,226 |
| Assets per employee ($millions) | 5.0798% | 2,042 |
| Cash dividends to net income (ytd only)* | 21.3141% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7961% | 1,062 |
| Loan loss allowance to noncurrent loans | 12,900.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 7,225 |
| Noncurrent loans to loans | 0.0217% | 7,088 |
| Net loans and leases to total assets | 47.5374% | 6,437 |
| Net loans and leases to deposits | 60.3928% | 6,013 |
| Net loans and leases to core deposits | 62.6353% | 6,182 |
| Total domestic deposits to total assets | 78.7136% | 6,159 |
| Equity capital to assets | 14.0822% | 1,011 |
| Core capital (leverage) ratio | 13.4489% | 983 |
| Tier 1 risk-based capital ratio | 22.6221% | 1,086 |
| Total risk-based capital ratio | 23.8841% | 1,069 |
| Memoranda: | ||
| Average total assets | $130,065,800 | 4,266 |
| Average earning assets | $123,011,200 | 4,165 |
| Average equity | $18,387,800 | 3,369 |
| Average total loans | $64,475,600 | 4,889 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 6,509 |
| Cost of funding earning assets | 1.2205% | 4,738 |
| Net interest margin | 3.3161% | 5,960 |
| Noninterest income to average assets | 0.6370% | 3,208 |
| Noninterest expense to average assets | 2.2640% | 6,425 |
| Loan and lease loss provision to assets | 0.0412% | 6,677 |
| Net operating income to assets | 1.1141% | 1,839 |
| Return on assets (ROA) | 1.2009% | 1,672 |
| Pretax return on assets | 1.5776% | 1,399 |
| Return on Equity (ROE) | 8.4863% | 2,693 |
| Retained earnings to average equity (ytd only) | 6.5519% | 2,063 |
| Net charge-offs to loans | 0.3496% | 3,909 |
| Credit loss provision to net charge-offs | 23.6686% | 6,217 |
| Earnings coverage of net charge-offs (x) | 8.6508% | 2,129 |
| Efficiency ratio | 60.0765% | 5,937 |
| Assets per employee ($millions) | 4.9907% | 2,193 |
| Cash dividends to net income (ytd only)* | 22.7936% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6497% | 1,141 |
| Loan loss allowance to noncurrent loans | 20,144.4444% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 6,496 |
| Noncurrent loans to loans | 0.0132% | 7,235 |
| Net loans and leases to total assets | 51.3344% | 6,181 |
| Net loans and leases to deposits | 66.3489% | 5,628 |
| Net loans and leases to core deposits | 68.8244% | 5,862 |
| Total domestic deposits to total assets | 77.3704% | 6,399 |
| Equity capital to assets | 14.6117% | 989 |
| Core capital (leverage) ratio | 13.3928% | 1,094 |
| Tier 1 risk-based capital ratio | 20.9545% | 1,366 |
| Total risk-based capital ratio | 22.0752% | 1,370 |
| Memoranda: | ||
| Average total assets | $129,563,500 | 4,336 |
| Average earning assets | $122,348,250 | 4,235 |
| Average equity | $18,335,000 | 3,419 |
| Average total loans | $64,446,750 | 4,961 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 6,728 |
| Cost of funding earning assets | 1.2594% | 4,769 |
| Net interest margin | 3.2328% | 6,213 |
| Noninterest income to average assets | 0.7182% | 2,587 |
| Noninterest expense to average assets | 2.3552% | 6,200 |
| Loan and lease loss provision to assets | 0.0618% | 6,333 |
| Net operating income to assets | 1.0285% | 2,089 |
| Return on assets (ROA) | 1.1552% | 1,744 |
| Pretax return on assets | 1.5166% | 1,512 |
| Return on Equity (ROE) | 8.2530% | 2,784 |
| Retained earnings to average equity (ytd only) | 6.7856% | 1,931 |
| Net charge-offs to loans | 0.6654% | 2,547 |
| Credit loss provision to net charge-offs | 19.0476% | 5,864 |
| Earnings coverage of net charge-offs (x) | 4.3524% | 2,977 |
| Efficiency ratio | 62.5256% | 5,608 |
| Assets per employee ($millions) | 4.9146% | 2,287 |
| Cash dividends to net income (ytd only)* | 17.7807% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7155% | 1,076 |
| Loan loss allowance to noncurrent loans | 414.9883% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 5,760 |
| Noncurrent loans to loans | 0.6544% | 5,946 |
| Net loans and leases to total assets | 49.6807% | 6,464 |
| Net loans and leases to deposits | 62.1440% | 6,222 |
| Net loans and leases to core deposits | 64.3749% | 6,371 |
| Total domestic deposits to total assets | 79.9444% | 5,744 |
| Equity capital to assets | 14.5633% | 993 |
| Core capital (leverage) ratio | 13.0075% | 1,209 |
| Tier 1 risk-based capital ratio | 21.3657% | 1,288 |
| Total risk-based capital ratio | 22.5502% | 1,269 |
| Memoranda: | ||
| Average total assets | $129,498,330 | 4,365 |
| Average earning assets | $122,125,000 | 4,266 |
| Average equity | $18,126,670 | 3,441 |
| Average total loans | $63,121,000 | 5,049 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 6,962 |
| Cost of funding earning assets | 1.3195% | 4,696 |
| Net interest margin | 3.1015% | 6,588 |
| Noninterest income to average assets | 0.8254% | 1,907 |
| Noninterest expense to average assets | 2.3934% | 6,112 |
| Loan and lease loss provision to assets | 0.1227% | 5,354 |
| Net operating income to assets | 0.8741% | 2,657 |
| Return on assets (ROA) | 0.8807% | 2,708 |
| Pretax return on assets | 1.2397% | 2,238 |
| Return on Equity (ROE) | 6.4186% | 3,656 |
| Retained earnings to average equity (ytd only) | 3.4441% | 4,085 |
| Net charge-offs to loans | 1.2376% | 1,373 |
| Credit loss provision to net charge-offs | 20.8333% | 4,939 |
| Earnings coverage of net charge-offs (x) | 2.2969% | 3,392 |
| Efficiency ratio | 63.8821% | 5,518 |
| Assets per employee ($millions) | 5.0873% | 2,113 |
| Cash dividends to net income (ytd only)* | 46.3415% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0076% | 817 |
| Loan loss allowance to noncurrent loans | 501.4006% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 5,974 |
| Noncurrent loans to loans | 0.5998% | 6,105 |
| Net loans and leases to total assets | 43.6418% | 7,022 |
| Net loans and leases to deposits | 54.2202% | 6,901 |
| Net loans and leases to core deposits | 56.0769% | 6,996 |
| Total domestic deposits to total assets | 80.4899% | 5,618 |
| Equity capital to assets | 13.6040% | 1,283 |
| Core capital (leverage) ratio | 11.6767% | 1,812 |
| Tier 1 risk-based capital ratio | 20.4645% | 1,433 |
| Total risk-based capital ratio | 21.7286% | 1,398 |
| Memoranda: | ||
| Average total assets | $130,357,500 | 4,403 |
| Average earning assets | $122,777,500 | 4,308 |
| Average equity | $17,885,500 | 3,507 |
| Average total loans | $62,054,500 | 5,178 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8146% | 2,595 |
| Cost of funding earning assets | 1.7323% | 4,350 |
| Net interest margin | 4.0823% | 2,522 |
| Noninterest income to average assets | 0.2223% | 6,523 |
| Noninterest expense to average assets | 2.3824% | 6,518 |
| Loan and lease loss provision to assets | 0.0593% | 6,972 |
| Net operating income to assets | 0.9998% | 1,844 |
| Return on assets (ROA) | 1.0014% | 1,882 |
| Pretax return on assets | 1.4997% | 1,188 |
| Return on Equity (ROE) | 7.2596% | 2,686 |
| Retained earnings to average equity (ytd only) | 5.7285% | 1,459 |
| Net charge-offs to loans | 0.4176% | 4,138 |
| Credit loss provision to net charge-offs | 26.4085% | 6,916 |
| Earnings coverage of net charge-offs (x) | 6.9296% | 2,261 |
| Efficiency ratio | 60.4819% | 6,411 |
| Assets per employee ($millions) | 4.9402% | 2,294 |
| Cash dividends to net income (ytd only)* | 21.0900% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0065% | 771 |
| Loan loss allowance to noncurrent loans | 660.5442% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 5,987 |
| Noncurrent loans to loans | 0.4552% | 6,357 |
| Net loans and leases to total assets | 48.7773% | 6,753 |
| Net loans and leases to deposits | 60.5667% | 6,592 |
| Net loans and leases to core deposits | 66.7676% | 6,942 |
| Total domestic deposits to total assets | 80.5349% | 5,498 |
| Equity capital to assets | 13.8402% | 1,210 |
| Core capital (leverage) ratio | 12.7536% | 1,327 |
| Tier 1 risk-based capital ratio | 20.5414% | 1,369 |
| Total risk-based capital ratio | 21.8055% | 1,334 |
| Memoranda: | ||
| Average total assets | $126,426,800 | 4,415 |
| Average earning assets | $115,107,200 | 4,415 |
| Average equity | $17,439,000 | 3,591 |
| Average total loans | $68,001,200 | 4,940 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8995% | 2,453 |
| Cost of funding earning assets | 1.7936% | 4,411 |
| Net interest margin | 4.1059% | 2,373 |
| Noninterest income to average assets | 0.1885% | 6,865 |
| Noninterest expense to average assets | 2.3082% | 6,680 |
| Loan and lease loss provision to assets | 0.1482% | 5,877 |
| Net operating income to assets | 1.3502% | 1,120 |
| Return on assets (ROA) | 1.3532% | 1,179 |
| Pretax return on assets | 1.4485% | 1,566 |
| Return on Equity (ROE) | 9.8185% | 1,991 |
| Retained earnings to average equity (ytd only) | 7.7673% | 1,213 |
| Net charge-offs to loans | 0.1317% | 5,382 |
| Credit loss provision to net charge-offs | 205.8824% | 2,156 |
| Earnings coverage of net charge-offs (x) | 22.1335% | 1,174 |
| Efficiency ratio | 59.1588% | 6,540 |
| Assets per employee ($millions) | 4.7917% | 2,410 |
| Cash dividends to net income (ytd only)* | 20.8919% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0253% | 655 |
| Loan loss allowance to noncurrent loans | 215.4070% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 4,467 |
| Noncurrent loans to loans | 1.4044% | 4,568 |
| Net loans and leases to total assets | 57.1963% | 6,011 |
| Net loans and leases to deposits | 72.3542% | 5,591 |
| Net loans and leases to core deposits | 80.4348% | 6,314 |
| Total domestic deposits to total assets | 79.0504% | 5,784 |
| Equity capital to assets | 14.3677% | 1,181 |
| Core capital (leverage) ratio | 12.3562% | 1,639 |
| Tier 1 risk-based capital ratio | 18.1197% | 1,950 |
| Total risk-based capital ratio | 19.3860% | 1,901 |
| Memoranda: | ||
| Average total assets | $125,922,250 | 4,450 |
| Average earning assets | $113,882,750 | 4,483 |
| Average equity | $17,354,500 | 3,637 |
| Average total loans | $68,853,000 | 4,955 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8789% | 2,681 |
| Cost of funding earning assets | 1.8524% | 4,500 |
| Net interest margin | 4.0265% | 2,595 |
| Noninterest income to average assets | 0.1820% | 6,991 |
| Noninterest expense to average assets | 2.2522% | 6,913 |
| Loan and lease loss provision to assets | 0.1583% | 5,490 |
| Net operating income to assets | 1.3029% | 1,222 |
| Return on assets (ROA) | 1.3073% | 1,290 |
| Pretax return on assets | 1.4023% | 1,719 |
| Return on Equity (ROE) | 9.6199% | 2,160 |
| Retained earnings to average equity (ytd only) | 8.0593% | 1,190 |
| Net charge-offs to loans | 0.0297% | 6,048 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 98.3000% | 388 |
| Efficiency ratio | 59.1438% | 6,672 |
| Assets per employee ($millions) | 4.7990% | 2,323 |
| Cash dividends to net income (ytd only)* | 16.2228% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2141% | 479 |
| Loan loss allowance to noncurrent loans | 235.3992% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 1.3809% | 4,198 |
| Noncurrent loans to loans | 1.3654% | 4,484 |
| Net loans and leases to total assets | 54.0829% | 6,441 |
| Net loans and leases to deposits | 67.4180% | 6,255 |
| Net loans and leases to core deposits | 74.6375% | 6,753 |
| Total domestic deposits to total assets | 80.2204% | 5,386 |
| Equity capital to assets | 14.0805% | 1,286 |
| Core capital (leverage) ratio | 11.9429% | 1,859 |
| Tier 1 risk-based capital ratio | 18.3366% | 1,921 |
| Total risk-based capital ratio | 19.6039% | 1,865 |
| Memoranda: | ||
| Average total assets | $126,368,000 | 4,465 |
| Average earning assets | $113,796,670 | 4,522 |
| Average equity | $17,172,670 | 3,679 |
| Average total loans | $67,310,330 | 5,060 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 3,770 |
| Cost of funding earning assets | 1.9439% | 4,405 |
| Net interest margin | 3.7629% | 3,607 |
| Noninterest income to average assets | 0.1636% | 7,134 |
| Noninterest expense to average assets | 2.0918% | 7,136 |
| Loan and lease loss provision to assets | 0.2359% | 4,093 |
| Net operating income to assets | 1.1807% | 1,713 |
| Return on assets (ROA) | 1.2016% | 1,761 |
| Pretax return on assets | 1.2676% | 2,385 |
| Return on Equity (ROE) | 9.0017% | 2,723 |
| Retained earnings to average equity (ytd only) | 5.8441% | 2,692 |
| Net charge-offs to loans | -0.0424% | 7,651 |
| Credit loss provision to net charge-offs | -1,071.4286% | 6,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5387% | 6,620 |
| Assets per employee ($millions) | 4.8992% | 2,180 |
| Cash dividends to net income (ytd only)* | 35.0785% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4296% | 338 |
| Loan loss allowance to noncurrent loans | 232.1206% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 3,940 |
| Noncurrent loans to loans | 1.4775% | 4,088 |
| Net loans and leases to total assets | 49.3617% | 6,914 |
| Net loans and leases to deposits | 61.2958% | 6,784 |
| Net loans and leases to core deposits | 68.7786% | 7,096 |
| Total domestic deposits to total assets | 80.5304% | 5,159 |
| Equity capital to assets | 13.4230% | 1,560 |
| Core capital (leverage) ratio | 11.5645% | 2,106 |
| Tier 1 risk-based capital ratio | 18.5484% | 1,914 |
| Total risk-based capital ratio | 19.8174% | 1,868 |
| Memoranda: | ||
| Average total assets | $127,164,500 | 4,459 |
| Average earning assets | $115,231,500 | 4,497 |
| Average equity | $16,974,500 | 3,738 |
| Average total loans | $66,104,000 | 5,129 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6918% | 2,056 |
| Cost of funding earning assets | 2.6890% | 3,214 |
| Net interest margin | 4.0028% | 3,096 |
| Noninterest income to average assets | -0.3002% | 8,241 |
| Noninterest expense to average assets | 2.5786% | 5,724 |
| Loan and lease loss provision to assets | -1.1118% | 8,304 |
| Net operating income to assets | 1.2346% | 1,668 |
| Return on assets (ROA) | 1.2373% | 1,606 |
| Pretax return on assets | 1.8567% | 841 |
| Return on Equity (ROE) | 9.9526% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.0966% | 591 |
| Net charge-offs to loans | -2.6047% | 8,243 |
| Credit loss provision to net charge-offs | 74.0741% | 6,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6794% | 2,969 |
| Assets per employee ($millions) | 4.8827% | 2,070 |
| Cash dividends to net income (ytd only)* | 8.6008% | 4,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2057% | 365 |
| Loan loss allowance to noncurrent loans | 154.7482% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 2,961 |
| Noncurrent loans to loans | 2.0716% | 2,666 |
| Net loans and leases to total assets | 51.1599% | 6,923 |
| Net loans and leases to deposits | 62.8464% | 6,885 |
| Net loans and leases to core deposits | 71.5483% | 7,103 |
| Total domestic deposits to total assets | 81.4046% | 4,459 |
| Equity capital to assets | 13.2736% | 1,678 |
| Core capital (leverage) ratio | 11.6329% | 2,171 |
| Tier 1 risk-based capital ratio | 17.7751% | 2,093 |
| Total risk-based capital ratio | 19.0449% | 2,029 |
| Memoranda: | ||
| Average total assets | $125,923,000 | 4,374 |
| Average earning assets | $113,870,800 | 4,419 |
| Average equity | $15,654,200 | 3,994 |
| Average total loans | $72,560,200 | 4,785 |