Home > Mount Vernon Bank and Trust Company > Performance and Condition Ratios
Mount Vernon Bank and 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 | 4.9495% | 3,192 |
| Cost of funding earning assets | 2.3110% | 1,202 |
| Net interest margin | 2.6385% | 3,901 |
| Noninterest income to average assets | 0.4100% | 2,181 |
| Noninterest expense to average assets | 1.7255% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9443% | 2,437 |
| Return on assets (ROA) | 0.9443% | 2,441 |
| Pretax return on assets | 1.2054% | 2,235 |
| Return on Equity (ROE) | 9.0600% | 2,593 |
| Retained earnings to average equity (ytd only) | 7.2029% | 1,917 |
| Net charge-offs to loans | 0.0032% | 2,179 |
| Credit loss provision to net charge-offs | -200.0000% | 4,396 |
| Earnings coverage of net charge-offs (x) | 554.0000% | 170 |
| Efficiency ratio | 58.8716% | 3,098 |
| Assets per employee ($millions) | 9.5913% | 906 |
| Cash dividends to net income (ytd only)* | 20.5069% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 3,703 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 68.6700% | 1,992 |
| Net loans and leases to deposits | 81.0502% | 1,966 |
| Net loans and leases to core deposits | 90.1685% | 2,039 |
| Total domestic deposits to total assets | 84.7300% | 2,701 |
| Equity capital to assets | 10.7411% | 1,797 |
| Core capital (leverage) ratio | 12.8433% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $183,835,000 | 3,128 |
| Average earning assets | $175,856,500 | 3,077 |
| Average equity | $19,159,000 | 3,060 |
| Average total loans | $126,780,000 | 2,969 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 3,516 |
| Cost of funding earning assets | 2.5199% | 1,113 |
| Net interest margin | 2.2301% | 4,138 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 1.8202% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4958% | 3,484 |
| Return on assets (ROA) | 0.4958% | 3,501 |
| Pretax return on assets | 0.6418% | 3,386 |
| Return on Equity (ROE) | 5.0100% | 3,516 |
| Retained earnings to average equity (ytd only) | 2.0077% | 3,364 |
| Net charge-offs to loans | 0.0085% | 2,602 |
| Credit loss provision to net charge-offs | 190.9091% | 1,175 |
| Earnings coverage of net charge-offs (x) | 109.9091% | 760 |
| Efficiency ratio | 73.9327% | 1,563 |
| Assets per employee ($millions) | 9.2718% | 964 |
| Cash dividends to net income (ytd only)* | 59.9572% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 3,752 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 68.0800% | 2,135 |
| Net loans and leases to deposits | 81.9781% | 1,954 |
| Net loans and leases to core deposits | 93.8077% | 1,854 |
| Total domestic deposits to total assets | 83.0400% | 3,024 |
| Equity capital to assets | 10.1081% | 2,066 |
| Core capital (leverage) ratio | 12.5824% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $188,383,000 | 3,067 |
| Average earning assets | $180,485,600 | 3,026 |
| Average equity | $18,628,600 | 3,060 |
| Average total loans | $129,066,800 | 2,910 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 3,514 |
| Cost of funding earning assets | 2.5329% | 1,104 |
| Net interest margin | 2.1831% | 4,180 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 1.8097% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.4850% | 3,500 |
| Return on assets (ROA) | 0.4850% | 3,535 |
| Pretax return on assets | 0.6035% | 3,464 |
| Return on Equity (ROE) | 4.9300% | 3,551 |
| Retained earnings to average equity (ytd only) | 1.6201% | 3,562 |
| Net charge-offs to loans | 0.0113% | 2,220 |
| Credit loss provision to net charge-offs | 172.7273% | 1,183 |
| Earnings coverage of net charge-offs (x) | 77.8182% | 944 |
| Efficiency ratio | 74.9927% | 1,481 |
| Assets per employee ($millions) | 9.2704% | 975 |
| Cash dividends to net income (ytd only)* | 67.1512% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 3,838 |
| Loan loss allowance to noncurrent loans | 4,352.0000% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,686 |
| Noncurrent loans to loans | 0.0191% | 3,673 |
| Net loans and leases to total assets | 69.9000% | 1,863 |
| Net loans and leases to deposits | 87.3060% | 1,504 |
| Net loans and leases to core deposits | 98.0867% | 1,614 |
| Total domestic deposits to total assets | 80.0600% | 3,450 |
| Equity capital to assets | 10.5454% | 1,959 |
| Core capital (leverage) ratio | 12.3662% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $189,120,000 | 3,063 |
| Average earning assets | $181,450,000 | 3,025 |
| Average equity | $18,599,750 | 3,063 |
| Average total loans | $129,501,500 | 2,909 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 3,620 |
| Cost of funding earning assets | 2.5085% | 1,072 |
| Net interest margin | 2.1043% | 4,242 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 1.7357% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.4907% | 3,451 |
| Return on assets (ROA) | 0.4907% | 3,486 |
| Pretax return on assets | 0.6104% | 3,426 |
| Return on Equity (ROE) | 5.1100% | 3,494 |
| Retained earnings to average equity (ytd only) | 3.1615% | 2,988 |
| Net charge-offs to loans | 0.0015% | 2,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 581.0000% | 214 |
| Efficiency ratio | 73.9812% | 1,647 |
| Assets per employee ($millions) | 9.7177% | 790 |
| Cash dividends to net income (ytd only)* | 38.1156% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 3,792 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.0000% | 2,449 |
| Net loans and leases to deposits | 78.9978% | 2,283 |
| Net loans and leases to core deposits | 88.0131% | 2,263 |
| Total domestic deposits to total assets | 82.2800% | 3,024 |
| Equity capital to assets | 9.3665% | 2,478 |
| Core capital (leverage) ratio | 12.3553% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $190,357,333 | 3,059 |
| Average earning assets | $182,577,333 | 3,016 |
| Average equity | $18,282,333 | 3,062 |
| Average total loans | $129,107,000 | 2,914 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 3,540 |
| Cost of funding earning assets | 2.4968% | 994 |
| Net interest margin | 2.0942% | 4,258 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 1.6054% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6243% | 3,087 |
| Return on assets (ROA) | 0.6243% | 3,114 |
| Pretax return on assets | 0.7900% | 2,954 |
| Return on Equity (ROE) | 6.4200% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.4756% | 2,557 |
| Net charge-offs to loans | 0.0031% | 2,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 248 |
| Efficiency ratio | 67.0213% | 2,496 |
| Assets per employee ($millions) | 8.9190% | 1,048 |
| Cash dividends to net income (ytd only)* | 30.2721% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 3,856 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 68.6600% | 1,945 |
| Net loans and leases to deposits | 84.1341% | 1,703 |
| Net loans and leases to core deposits | 97.3757% | 1,565 |
| Total domestic deposits to total assets | 81.6100% | 3,256 |
| Equity capital to assets | 9.7699% | 2,152 |
| Core capital (leverage) ratio | 12.2574% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $188,359,500 | 3,076 |
| Average earning assets | $181,833,500 | 3,023 |
| Average equity | $18,321,500 | 3,068 |
| Average total loans | $129,946,500 | 2,902 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 3,674 |
| Cost of funding earning assets | 2.0296% | 884 |
| Net interest margin | 2.1461% | 4,351 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.8678% | 3,895 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.4601% | 3,749 |
| Return on assets (ROA) | 0.4601% | 3,747 |
| Pretax return on assets | 0.5828% | 3,670 |
| Return on Equity (ROE) | 4.8900% | 3,742 |
| Retained earnings to average equity (ytd only) | 2.7182% | 3,372 |
| Net charge-offs to loans | -0.1529% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.9382% | 1,076 |
| Assets per employee ($millions) | 8.6100% | 1,143 |
| Cash dividends to net income (ytd only)* | 44.4183% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 3,893 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 68.1600% | 2,018 |
| Net loans and leases to deposits | 83.3190% | 1,830 |
| Net loans and leases to core deposits | 96.9295% | 1,603 |
| Total domestic deposits to total assets | 81.8100% | 3,165 |
| Equity capital to assets | 9.6844% | 2,213 |
| Core capital (leverage) ratio | 12.2137% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $184,977,400 | 3,089 |
| Average earning assets | $178,511,600 | 3,021 |
| Average equity | $17,401,400 | 3,063 |
| Average total loans | $125,589,000 | 2,894 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 3,683 |
| Cost of funding earning assets | 1.8711% | 900 |
| Net interest margin | 2.2182% | 4,345 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.7933% | 3,991 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | 0.5997% | 3,544 |
| Return on assets (ROA) | 0.5997% | 3,530 |
| Pretax return on assets | 0.7585% | 3,430 |
| Return on Equity (ROE) | 6.4200% | 3,561 |
| Retained earnings to average equity (ytd only) | 3.7671% | 3,320 |
| Net charge-offs to loans | -0.2057% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.3311% | 1,532 |
| Assets per employee ($millions) | 8.4065% | 1,157 |
| Cash dividends to net income (ytd only)* | 41.3543% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 3,840 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 68.8900% | 1,957 |
| Net loans and leases to deposits | 84.7280% | 1,671 |
| Net loans and leases to core deposits | 102.4749% | 1,186 |
| Total domestic deposits to total assets | 81.3000% | 3,336 |
| Equity capital to assets | 8.7648% | 2,558 |
| Core capital (leverage) ratio | 12.3807% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $183,867,000 | 3,101 |
| Average earning assets | $177,435,250 | 3,037 |
| Average equity | $17,165,750 | 3,071 |
| Average total loans | $124,438,250 | 2,907 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 3,725 |
| Cost of funding earning assets | 1.6939% | 892 |
| Net interest margin | 2.2878% | 4,373 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.7798% | 4,038 |
| Loan and lease loss provision to assets | -0.1100% | 4,574 |
| Net operating income to assets | 0.7008% | 3,343 |
| Return on assets (ROA) | 0.7008% | 3,349 |
| Pretax return on assets | 0.8915% | 3,188 |
| Return on Equity (ROE) | 7.3600% | 3,396 |
| Retained earnings to average equity (ytd only) | 5.7766% | 2,703 |
| Net charge-offs to loans | -0.3136% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.4598% | 1,816 |
| Assets per employee ($millions) | 8.4459% | 1,122 |
| Cash dividends to net income (ytd only)* | 21.4619% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 3,835 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 67.2600% | 2,038 |
| Net loans and leases to deposits | 80.1713% | 1,961 |
| Net loans and leases to core deposits | 94.9458% | 1,527 |
| Total domestic deposits to total assets | 83.9000% | 2,846 |
| Equity capital to assets | 9.5501% | 2,127 |
| Core capital (leverage) ratio | 12.4937% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $183,508,000 | 3,109 |
| Average earning assets | $177,462,667 | 3,042 |
| Average equity | $17,484,333 | 3,065 |
| Average total loans | $123,080,333 | 2,914 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 3,625 |
| Cost of funding earning assets | 1.4741% | 887 |
| Net interest margin | 2.4492% | 4,349 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.6758% | 4,221 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.7633% | 3,314 |
| Return on assets (ROA) | 0.7633% | 3,267 |
| Pretax return on assets | 0.9761% | 3,066 |
| Return on Equity (ROE) | 8.0200% | 3,282 |
| Retained earnings to average equity (ytd only) | 6.0159% | 2,758 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.6831% | 2,861 |
| Assets per employee ($millions) | 8.3038% | 1,201 |
| Cash dividends to net income (ytd only)* | 25.0000% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 3,935 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.6800% | 1,990 |
| Net loans and leases to deposits | 77.0727% | 2,030 |
| Net loans and leases to core deposits | 90.1120% | 1,609 |
| Total domestic deposits to total assets | 86.5100% | 2,440 |
| Equity capital to assets | 9.7300% | 1,978 |
| Core capital (leverage) ratio | 12.3094% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $182,357,000 | 3,161 |
| Average earning assets | $176,381,500 | 3,090 |
| Average equity | $17,354,000 | 3,103 |
| Average total loans | $121,576,000 | 2,960 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3791% | 3,404 |
| Cost of funding earning assets | 0.5477% | 1,117 |
| Net interest margin | 2.8314% | 3,827 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 1.8666% | 3,900 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0836% | 2,243 |
| Return on assets (ROA) | 1.0827% | 2,190 |
| Pretax return on assets | 1.3888% | 1,799 |
| Return on Equity (ROE) | 10.5800% | 2,619 |
| Retained earnings to average equity (ytd only) | 6.9033% | 2,282 |
| Net charge-offs to loans | 0.1764% | 468 |
| Credit loss provision to net charge-offs | 58.6735% | 1,784 |
| Earnings coverage of net charge-offs (x) | 13.2602% | 2,080 |
| Efficiency ratio | 56.2089% | 3,561 |
| Assets per employee ($millions) | 8.2741% | 1,195 |
| Cash dividends to net income (ytd only)* | 34.7287% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 3,931 |
| 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 | 65.5200% | 2,087 |
| Net loans and leases to deposits | 75.8787% | 2,110 |
| Net loans and leases to core deposits | 90.2562% | 1,490 |
| Total domestic deposits to total assets | 86.3400% | 2,626 |
| Equity capital to assets | 9.3023% | 2,152 |
| Core capital (leverage) ratio | 12.5550% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $178,720,000 | 3,203 |
| Average earning assets | $172,707,000 | 3,127 |
| Average equity | $18,295,600 | 3,103 |
| Average total loans | $111,111,200 | 3,016 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2874% | 3,214 |
| Cost of funding earning assets | 0.3691% | 1,533 |
| Net interest margin | 2.9183% | 3,437 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 1.7838% | 4,011 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2605% | 1,492 |
| Return on assets (ROA) | 1.2629% | 1,446 |
| Pretax return on assets | 1.6459% | 1,011 |
| Return on Equity (ROE) | 12.0600% | 2,013 |
| Retained earnings to average equity (ytd only) | 7.8769% | 2,048 |
| Net charge-offs to loans | 0.2426% | 283 |
| Credit loss provision to net charge-offs | 7.5758% | 1,667 |
| Earnings coverage of net charge-offs (x) | 11.1465% | 1,959 |
| Efficiency ratio | 51.8858% | 4,021 |
| Assets per employee ($millions) | 7.9926% | 1,331 |
| Cash dividends to net income (ytd only)* | 34.6588% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 4,073 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 63.8300% | 2,107 |
| Net loans and leases to deposits | 74.1050% | 2,038 |
| Net loans and leases to core deposits | 83.7316% | 1,674 |
| Total domestic deposits to total assets | 86.1400% | 3,033 |
| Equity capital to assets | 9.2984% | 2,017 |
| Core capital (leverage) ratio | 12.5666% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $177,892,250 | 3,228 |
| Average earning assets | $171,923,250 | 3,155 |
| Average equity | $18,636,250 | 3,104 |
| Average total loans | $108,819,750 | 3,047 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1807% | 3,105 |
| Cost of funding earning assets | 0.2780% | 1,925 |
| Net interest margin | 2.9027% | 3,166 |
| Noninterest income to average assets | 0.6216% | 1,646 |
| Noninterest expense to average assets | 1.7639% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2755% | 1,206 |
| Return on assets (ROA) | 1.2790% | 1,184 |
| Pretax return on assets | 1.6687% | 807 |
| Return on Equity (ROE) | 11.7742% | 1,734 |
| Retained earnings to average equity (ytd only) | 10.0215% | 1,014 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4538% | 4,168 |
| Assets per employee ($millions) | 8.5283% | 1,055 |
| Cash dividends to net income (ytd only)* | 14.8862% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 3,653 |
| Loan loss allowance to noncurrent loans | 549.0000% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 2,926 |
| Noncurrent loans to loans | 0.1799% | 2,796 |
| Net loans and leases to total assets | 61.4640% | 2,176 |
| Net loans and leases to deposits | 69.2464% | 2,280 |
| Net loans and leases to core deposits | 73.8176% | 2,189 |
| Total domestic deposits to total assets | 88.7613% | 2,276 |
| Equity capital to assets | 9.9232% | 1,751 |
| Core capital (leverage) ratio | 12.3362% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,577,333 | 3,255 |
| Average earning assets | $172,665,667 | 3,191 |
| Average equity | $19,398,333 | 3,114 |
| Average total loans | $107,375,333 | 3,104 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0702% | 3,054 |
| Cost of funding earning assets | 0.2346% | 2,330 |
| Net interest margin | 2.8356% | 3,024 |
| Noninterest income to average assets | 0.6371% | 1,538 |
| Noninterest expense to average assets | 1.5770% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3770% | 842 |
| Return on assets (ROA) | 1.3840% | 825 |
| Pretax return on assets | 1.8080% | 541 |
| Return on Equity (ROE) | 12.2109% | 1,250 |
| Retained earnings to average equity (ytd only) | 10.5287% | 897 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7110% | 4,463 |
| Assets per employee ($millions) | 8.6647% | 1,040 |
| Cash dividends to net income (ytd only)* | 13.7763% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 3,669 |
| Loan loss allowance to noncurrent loans | 318.2609% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 2,494 |
| Noncurrent loans to loans | 0.3180% | 2,331 |
| Net loans and leases to total assets | 59.0292% | 2,185 |
| Net loans and leases to deposits | 68.1806% | 2,138 |
| Net loans and leases to core deposits | 68.6306% | 2,399 |
| Total domestic deposits to total assets | 86.5777% | 3,081 |
| Equity capital to assets | 10.5194% | 1,587 |
| Core capital (leverage) ratio | 12.3277% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,318,500 | 3,271 |
| Average earning assets | $172,236,000 | 3,209 |
| Average equity | $20,211,500 | 3,129 |
| Average total loans | $105,474,500 | 3,120 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4395% | 2,829 |
| Cost of funding earning assets | 0.3013% | 2,394 |
| Net interest margin | 3.1383% | 2,769 |
| Noninterest income to average assets | 0.8965% | 1,209 |
| Noninterest expense to average assets | 1.9775% | 3,748 |
| Loan and lease loss provision to assets | 0.0308% | 2,438 |
| Net operating income to assets | 1.4865% | 1,044 |
| Return on assets (ROA) | 1.4987% | 1,071 |
| Pretax return on assets | 1.9694% | 641 |
| Return on Equity (ROE) | 11.7243% | 1,907 |
| Retained earnings to average equity (ytd only) | 9.0406% | 1,188 |
| Net charge-offs to loans | -0.0010% | 3,287 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9066% | 4,289 |
| Assets per employee ($millions) | 8.3180% | 1,160 |
| Cash dividends to net income (ytd only)* | 22.8901% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 3,475 |
| Loan loss allowance to noncurrent loans | 492.3767% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 3,041 |
| Noncurrent loans to loans | 0.2177% | 2,871 |
| Net loans and leases to total assets | 58.0176% | 2,371 |
| Net loans and leases to deposits | 66.1899% | 2,495 |
| Net loans and leases to core deposits | 66.5297% | 2,776 |
| Total domestic deposits to total assets | 87.6533% | 2,220 |
| Equity capital to assets | 12.1836% | 1,177 |
| Core capital (leverage) ratio | 12.9786% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,077,200 | 3,379 |
| Average earning assets | $158,336,400 | 3,294 |
| Average equity | $20,717,600 | 3,155 |
| Average total loans | $96,242,000 | 3,245 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 2,526 |
| Cost of funding earning assets | 0.3243% | 2,357 |
| Net interest margin | 3.2875% | 2,453 |
| Noninterest income to average assets | 0.7903% | 1,555 |
| Noninterest expense to average assets | 1.8415% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6542% | 911 |
| Return on assets (ROA) | 1.6628% | 941 |
| Pretax return on assets | 2.1745% | 574 |
| Return on Equity (ROE) | 12.8428% | 1,743 |
| Retained earnings to average equity (ytd only) | 9.5252% | 1,472 |
| Net charge-offs to loans | -0.0014% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9782% | 4,504 |
| Assets per employee ($millions) | 7.1306% | 1,786 |
| Cash dividends to net income (ytd only)* | 25.8325% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,574 |
| Loan loss allowance to noncurrent loans | 4,192.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,108 |
| Noncurrent loans to loans | 0.0255% | 4,012 |
| Net loans and leases to total assets | 61.7257% | 2,041 |
| Net loans and leases to deposits | 71.9334% | 2,060 |
| Net loans and leases to core deposits | 72.5103% | 2,379 |
| Total domestic deposits to total assets | 85.8095% | 2,820 |
| Equity capital to assets | 13.4434% | 873 |
| Core capital (leverage) ratio | 12.9871% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,927,000 | 3,440 |
| Average earning assets | $155,412,000 | 3,353 |
| Average equity | $20,576,500 | 3,203 |
| Average total loans | $94,692,000 | 3,310 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 1,985 |
| Cost of funding earning assets | 0.3484% | 2,331 |
| Net interest margin | 3.4853% | 1,899 |
| Noninterest income to average assets | 0.6629% | 1,959 |
| Noninterest expense to average assets | 2.0775% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5275% | 1,222 |
| Return on assets (ROA) | 1.5275% | 1,290 |
| Pretax return on assets | 1.9948% | 846 |
| Return on Equity (ROE) | 11.9477% | 2,083 |
| Retained earnings to average equity (ytd only) | 10.4775% | 1,258 |
| Net charge-offs to loans | -0.0043% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0154% | 4,144 |
| Assets per employee ($millions) | 7.6678% | 1,381 |
| Cash dividends to net income (ytd only)* | 12.3052% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.3960% | 2,609 |
| Net loans and leases to deposits | 68.9397% | 2,525 |
| Net loans and leases to core deposits | 69.4848% | 2,829 |
| Total domestic deposits to total assets | 84.7059% | 3,214 |
| Equity capital to assets | 12.8988% | 978 |
| Core capital (leverage) ratio | 12.5890% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,611,667 | 3,437 |
| Average earning assets | $156,140,000 | 3,354 |
| Average equity | $20,405,667 | 3,215 |
| Average total loans | $93,629,667 | 3,340 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5892% | 2,674 |
| Cost of funding earning assets | 0.3679% | 2,372 |
| Net interest margin | 3.2213% | 2,631 |
| Noninterest income to average assets | 0.7980% | 1,585 |
| Noninterest expense to average assets | 1.6236% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7772% | 820 |
| Return on assets (ROA) | 1.7772% | 874 |
| Pretax return on assets | 2.3259% | 567 |
| Return on Equity (ROE) | 13.9640% | 1,435 |
| Retained earnings to average equity (ytd only) | 12.4805% | 1,032 |
| Net charge-offs to loans | -0.0086% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1090% | 4,705 |
| Assets per employee ($millions) | 7.6454% | 1,373 |
| Cash dividends to net income (ytd only)* | 10.6232% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 3,351 |
| Loan loss allowance to noncurrent loans | 2,497.6190% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 4,177 |
| Noncurrent loans to loans | 0.0447% | 4,067 |
| Net loans and leases to total assets | 57.8939% | 2,812 |
| Net loans and leases to deposits | 66.7785% | 2,834 |
| Net loans and leases to core deposits | 67.4952% | 3,105 |
| Total domestic deposits to total assets | 86.6954% | 2,443 |
| Equity capital to assets | 12.6487% | 1,013 |
| Core capital (leverage) ratio | 12.5196% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,906,000 | 3,447 |
| Average earning assets | $155,465,500 | 3,357 |
| Average equity | $20,223,500 | 3,225 |
| Average total loans | $92,904,500 | 3,365 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 3,345 |
| Cost of funding earning assets | 0.6095% | 2,244 |
| Net interest margin | 3.1754% | 3,417 |
| Noninterest income to average assets | 0.5164% | 2,561 |
| Noninterest expense to average assets | 2.1283% | 3,875 |
| Loan and lease loss provision to assets | 0.0524% | 3,719 |
| Net operating income to assets | 1.0772% | 1,997 |
| Return on assets (ROA) | 1.0893% | 2,085 |
| Pretax return on assets | 1.4345% | 1,555 |
| Return on Equity (ROE) | 7.9953% | 2,821 |
| Retained earnings to average equity (ytd only) | 5.3490% | 2,119 |
| Net charge-offs to loans | 0.0163% | 2,775 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 140.4000% | 613 |
| Efficiency ratio | 59.1227% | 3,575 |
| Assets per employee ($millions) | 6.8373% | 1,682 |
| Cash dividends to net income (ytd only)* | 33.0981% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 3,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 57.7153% | 3,116 |
| Net loans and leases to deposits | 66.4232% | 3,230 |
| Net loans and leases to core deposits | 69.3300% | 3,304 |
| Total domestic deposits to total assets | 86.8903% | 1,992 |
| Equity capital to assets | 12.8063% | 1,180 |
| Core capital (leverage) ratio | 12.7149% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,118,600 | 3,480 |
| Average earning assets | $138,973,200 | 3,393 |
| Average equity | $19,499,000 | 3,231 |
| Average total loans | $92,256,200 | 3,366 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,073 |
| Cost of funding earning assets | 0.6631% | 2,246 |
| Net interest margin | 3.3027% | 3,177 |
| Noninterest income to average assets | 0.5254% | 2,500 |
| Noninterest expense to average assets | 2.1091% | 3,922 |
| Loan and lease loss provision to assets | 0.0480% | 3,759 |
| Net operating income to assets | 1.1984% | 1,637 |
| Return on assets (ROA) | 1.2150% | 1,719 |
| Pretax return on assets | 1.5914% | 1,210 |
| Return on Equity (ROE) | 8.7696% | 2,489 |
| Retained earnings to average equity (ytd only) | 5.6327% | 2,274 |
| Net charge-offs to loans | 0.0173% | 2,519 |
| Credit loss provision to net charge-offs | 416.6667% | 1,429 |
| Earnings coverage of net charge-offs (x) | 141.1667% | 632 |
| Efficiency ratio | 56.5864% | 3,850 |
| Assets per employee ($millions) | 6.5189% | 1,818 |
| Cash dividends to net income (ytd only)* | 35.7704% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,111 |
| Loan loss allowance to noncurrent loans | 726.9504% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 3,962 |
| Noncurrent loans to loans | 0.1538% | 3,771 |
| Net loans and leases to total assets | 60.4762% | 3,173 |
| Net loans and leases to deposits | 70.7597% | 3,238 |
| Net loans and leases to core deposits | 74.6763% | 3,267 |
| Total domestic deposits to total assets | 85.4670% | 2,261 |
| Equity capital to assets | 13.2617% | 1,078 |
| Core capital (leverage) ratio | 13.1200% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,583,750 | 3,507 |
| Average earning assets | $135,319,750 | 3,425 |
| Average equity | $19,339,000 | 3,247 |
| Average total loans | $92,368,000 | 3,379 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 3,081 |
| Cost of funding earning assets | 0.7350% | 2,202 |
| Net interest margin | 3.3529% | 3,239 |
| Noninterest income to average assets | 0.3541% | 3,354 |
| Noninterest expense to average assets | 2.2067% | 3,762 |
| Loan and lease loss provision to assets | 0.0735% | 3,379 |
| Net operating income to assets | 1.0058% | 2,300 |
| Return on assets (ROA) | 1.0313% | 2,348 |
| Pretax return on assets | 1.3501% | 1,867 |
| Return on Equity (ROE) | 7.3288% | 2,997 |
| Retained earnings to average equity (ytd only) | 5.8672% | 2,135 |
| Net charge-offs to loans | 0.0259% | 2,204 |
| Credit loss provision to net charge-offs | 416.6667% | 1,373 |
| Earnings coverage of net charge-offs (x) | 78.9167% | 814 |
| Efficiency ratio | 61.3312% | 3,230 |
| Assets per employee ($millions) | 6.1957% | 2,027 |
| Cash dividends to net income (ytd only)* | 19.9430% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 2,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 63.5039% | 2,937 |
| Net loans and leases to deposits | 75.2960% | 2,940 |
| Net loans and leases to core deposits | 81.6186% | 2,806 |
| Total domestic deposits to total assets | 84.3389% | 2,616 |
| Equity capital to assets | 13.7656% | 905 |
| Core capital (leverage) ratio | 13.6150% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,133,333 | 3,527 |
| Average earning assets | $131,705,333 | 3,453 |
| Average equity | $19,157,333 | 3,256 |
| Average total loans | $92,590,667 | 3,361 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 3,544 |
| Cost of funding earning assets | 0.8213% | 2,272 |
| Net interest margin | 3.2698% | 3,666 |
| Noninterest income to average assets | 0.4754% | 2,678 |
| Noninterest expense to average assets | 1.9917% | 4,410 |
| Loan and lease loss provision to assets | 0.0451% | 3,213 |
| Net operating income to assets | 1.2174% | 1,461 |
| Return on assets (ROA) | 1.2697% | 1,426 |
| Pretax return on assets | 1.6668% | 917 |
| Return on Equity (ROE) | 8.9180% | 2,146 |
| Retained earnings to average equity (ytd only) | 7.4387% | 1,398 |
| Net charge-offs to loans | 0.0258% | 1,852 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 91.1667% | 618 |
| Efficiency ratio | 54.7560% | 4,330 |
| Assets per employee ($millions) | 5.8803% | 1,774 |
| Cash dividends to net income (ytd only)* | 16.5877% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,321 |
| Loan loss allowance to noncurrent loans | 200.4024% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 2,972 |
| Noncurrent loans to loans | 0.5377% | 2,651 |
| Net loans and leases to total assets | 67.6015% | 2,598 |
| Net loans and leases to deposits | 79.0573% | 2,772 |
| Net loans and leases to core deposits | 86.0039% | 2,680 |
| Total domestic deposits to total assets | 85.5095% | 2,207 |
| Equity capital to assets | 14.1711% | 1,010 |
| Core capital (leverage) ratio | 14.0191% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,950,000 | 3,549 |
| Average earning assets | $128,569,500 | 3,464 |
| Average equity | $18,928,000 | 3,282 |
| Average total loans | $93,127,000 | 3,339 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 3,921 |
| Cost of funding earning assets | 0.8704% | 2,329 |
| Net interest margin | 3.2820% | 4,020 |
| Noninterest income to average assets | 0.3119% | 3,825 |
| Noninterest expense to average assets | 2.0625% | 4,420 |
| Loan and lease loss provision to assets | 0.0266% | 3,476 |
| Net operating income to assets | 1.0803% | 2,521 |
| Return on assets (ROA) | 1.0803% | 2,622 |
| Pretax return on assets | 1.3984% | 2,168 |
| Return on Equity (ROE) | 7.8559% | 3,224 |
| Retained earnings to average equity (ytd only) | 5.1451% | 2,343 |
| Net charge-offs to loans | 0.0075% | 3,409 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 267.5714% | 311 |
| Efficiency ratio | 59.1405% | 3,820 |
| Assets per employee ($millions) | 5.6806% | 1,895 |
| Cash dividends to net income (ytd only)* | 34.5070% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,206 |
| Loan loss allowance to noncurrent loans | 264.6113% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 3,282 |
| Noncurrent loans to loans | 0.3975% | 3,015 |
| Net loans and leases to total assets | 71.0600% | 2,239 |
| Net loans and leases to deposits | 83.1024% | 2,429 |
| Net loans and leases to core deposits | 90.7289% | 2,355 |
| Total domestic deposits to total assets | 85.5089% | 2,284 |
| Equity capital to assets | 14.3051% | 1,000 |
| Core capital (leverage) ratio | 14.1527% | 891 |
| Tier 1 risk-based capital ratio | 21.1960% | 1,131 |
| Total risk-based capital ratio | 22.3317% | 1,126 |
| Memoranda: | ||
| Average total assets | $131,440,200 | 3,548 |
| Average earning assets | $127,178,000 | 3,468 |
| Average equity | $18,075,600 | 3,330 |
| Average total loans | $92,755,600 | 3,344 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 4,101 |
| Cost of funding earning assets | 0.8776% | 2,330 |
| Net interest margin | 3.2469% | 4,191 |
| Noninterest income to average assets | 0.3109% | 3,885 |
| Noninterest expense to average assets | 1.9974% | 4,563 |
| Loan and lease loss provision to assets | 0.0355% | 3,181 |
| Net operating income to assets | 1.0919% | 2,601 |
| Return on assets (ROA) | 1.0919% | 2,693 |
| Pretax return on assets | 1.4221% | 2,217 |
| Return on Equity (ROE) | 8.0198% | 3,301 |
| Retained earnings to average equity (ytd only) | 4.6943% | 3,061 |
| Net charge-offs to loans | 0.0058% | 3,184 |
| Credit loss provision to net charge-offs | 875.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 359.9662% | 272 |
| Efficiency ratio | 57.8130% | 3,964 |
| Assets per employee ($millions) | 5.6767% | 1,865 |
| Cash dividends to net income (ytd only)* | 41.4659% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,395 |
| Loan loss allowance to noncurrent loans | 3,193.5484% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,626 |
| Noncurrent loans to loans | 0.0323% | 4,522 |
| Net loans and leases to total assets | 72.7867% | 2,040 |
| Net loans and leases to deposits | 86.8636% | 2,084 |
| Net loans and leases to core deposits | 95.2264% | 2,062 |
| Total domestic deposits to total assets | 83.7943% | 2,895 |
| Equity capital to assets | 14.1041% | 1,111 |
| Core capital (leverage) ratio | 13.8054% | 1,035 |
| Tier 1 risk-based capital ratio | 20.7605% | 1,219 |
| Total risk-based capital ratio | 21.8947% | 1,221 |
| Memoranda: | ||
| Average total assets | $131,637,000 | 3,577 |
| Average earning assets | $127,463,500 | 3,498 |
| Average equity | $17,922,000 | 3,373 |
| Average total loans | $92,487,250 | 3,388 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 4,247 |
| Cost of funding earning assets | 0.8625% | 2,335 |
| Net interest margin | 3.2015% | 4,368 |
| Noninterest income to average assets | 0.3167% | 3,810 |
| Noninterest expense to average assets | 1.9395% | 4,698 |
| Loan and lease loss provision to assets | 0.0530% | 2,758 |
| Net operating income to assets | 1.0961% | 2,535 |
| Return on assets (ROA) | 1.0925% | 2,624 |
| Pretax return on assets | 1.4243% | 2,133 |
| Return on Equity (ROE) | 8.1204% | 3,236 |
| Retained earnings to average equity (ytd only) | 6.6675% | 1,968 |
| Net charge-offs to loans | 0.0088% | 2,825 |
| Credit loss provision to net charge-offs | 875.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 244.5000% | 332 |
| Efficiency ratio | 56.6873% | 4,166 |
| Assets per employee ($millions) | 5.6913% | 1,796 |
| Cash dividends to net income (ytd only)* | 17.8918% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.2246% | 2,337 |
| Net loans and leases to deposits | 85.2743% | 2,342 |
| Net loans and leases to core deposits | 94.2595% | 2,225 |
| Total domestic deposits to total assets | 83.5241% | 3,043 |
| Equity capital to assets | 13.9656% | 1,131 |
| Core capital (leverage) ratio | 13.7667% | 1,032 |
| Tier 1 risk-based capital ratio | 20.1081% | 1,332 |
| Total risk-based capital ratio | 21.2090% | 1,330 |
| Memoranda: | ||
| Average total assets | $131,994,330 | 3,598 |
| Average earning assets | $128,004,330 | 3,507 |
| Average equity | $17,757,670 | 3,386 |
| Average total loans | $91,308,330 | 3,428 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 4,394 |
| Cost of funding earning assets | 0.8334% | 2,357 |
| Net interest margin | 3.1534% | 4,492 |
| Noninterest income to average assets | 0.3320% | 3,641 |
| Noninterest expense to average assets | 1.8319% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1951% | 2,074 |
| Return on assets (ROA) | 1.1951% | 2,122 |
| Pretax return on assets | 1.5603% | 1,575 |
| Return on Equity (ROE) | 9.0535% | 2,783 |
| Retained earnings to average equity (ytd only) | 7.5903% | 1,805 |
| Net charge-offs to loans | 0.0089% | 2,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 258.5000% | 311 |
| Efficiency ratio | 54.0036% | 4,532 |
| Assets per employee ($millions) | 5.8833% | 1,636 |
| Cash dividends to net income (ytd only)* | 16.1616% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,462 |
| Loan loss allowance to noncurrent loans | 938.2353% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 4,440 |
| Noncurrent loans to loans | 0.1109% | 4,236 |
| Net loans and leases to total assets | 67.2495% | 2,869 |
| Net loans and leases to deposits | 77.6842% | 3,094 |
| Net loans and leases to core deposits | 83.6412% | 3,051 |
| Total domestic deposits to total assets | 86.5678% | 2,029 |
| Equity capital to assets | 13.1595% | 1,366 |
| Core capital (leverage) ratio | 13.4025% | 1,120 |
| Tier 1 risk-based capital ratio | 20.1782% | 1,312 |
| Total risk-based capital ratio | 21.2617% | 1,313 |
| Memoranda: | ||
| Average total assets | $132,541,500 | 3,624 |
| Average earning assets | $128,624,500 | 3,539 |
| Average equity | $17,496,000 | 3,417 |
| Average total loans | $89,851,000 | 3,493 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 4,227 |
| Cost of funding earning assets | 0.5942% | 2,771 |
| Net interest margin | 3.3305% | 4,180 |
| Noninterest income to average assets | 0.3420% | 3,825 |
| Noninterest expense to average assets | 2.1738% | 4,397 |
| Loan and lease loss provision to assets | 0.0695% | 2,746 |
| Net operating income to assets | 1.0097% | 2,961 |
| Return on assets (ROA) | 1.0071% | 2,962 |
| Pretax return on assets | 1.3189% | 2,436 |
| Return on Equity (ROE) | 7.2754% | 3,740 |
| Retained earnings to average equity (ytd only) | 4.1726% | 3,256 |
| Net charge-offs to loans | 0.1045% | 1,714 |
| Credit loss provision to net charge-offs | 94.4444% | 2,652 |
| Earnings coverage of net charge-offs (x) | 18.9000% | 2,104 |
| Efficiency ratio | 60.9683% | 3,698 |
| Assets per employee ($millions) | 5.6420% | 1,820 |
| Cash dividends to net income (ytd only)* | 42.6483% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,154 |
| Loan loss allowance to noncurrent loans | 357.8358% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 3,796 |
| Noncurrent loans to loans | 0.3054% | 3,455 |
| Net loans and leases to total assets | 66.8788% | 3,014 |
| Net loans and leases to deposits | 78.6226% | 3,092 |
| Net loans and leases to core deposits | 85.8919% | 2,925 |
| Total domestic deposits to total assets | 85.0631% | 2,622 |
| Equity capital to assets | 13.2431% | 1,235 |
| Core capital (leverage) ratio | 13.9340% | 938 |
| Tier 1 risk-based capital ratio | 17.7912% | 1,816 |
| Total risk-based capital ratio | 18.7667% | 1,853 |
| Memoranda: | ||
| Average total assets | $122,227,200 | 3,754 |
| Average earning assets | $118,300,600 | 3,674 |
| Average equity | $16,920,000 | 3,406 |
| Average total loans | $86,135,000 | 3,549 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 4,167 |
| Cost of funding earning assets | 0.5322% | 2,977 |
| Net interest margin | 3.3865% | 4,043 |
| Noninterest income to average assets | 0.3512% | 3,783 |
| Noninterest expense to average assets | 2.1073% | 4,533 |
| Loan and lease loss provision to assets | 0.0554% | 2,866 |
| Net operating income to assets | 1.1196% | 2,579 |
| Return on assets (ROA) | 1.1179% | 2,604 |
| Pretax return on assets | 1.4647% | 2,019 |
| Return on Equity (ROE) | 7.9822% | 3,558 |
| Retained earnings to average equity (ytd only) | 4.7308% | 3,378 |
| Net charge-offs to loans | 0.0047% | 3,280 |
| Credit loss provision to net charge-offs | 1,666.6667% | 250 |
| Earnings coverage of net charge-offs (x) | 457.9875% | 204 |
| Efficiency ratio | 58.0586% | 4,113 |
| Assets per employee ($millions) | 5.3882% | 2,026 |
| Cash dividends to net income (ytd only)* | 40.7337% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 2,856 |
| Loan loss allowance to noncurrent loans | 230.8219% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 3,259 |
| Noncurrent loans to loans | 0.5018% | 2,885 |
| Net loans and leases to total assets | 69.6114% | 2,706 |
| Net loans and leases to deposits | 82.5531% | 2,759 |
| Net loans and leases to core deposits | 90.2045% | 2,644 |
| Total domestic deposits to total assets | 84.3232% | 2,845 |
| Equity capital to assets | 13.6071% | 1,098 |
| Core capital (leverage) ratio | 13.9155% | 964 |
| Tier 1 risk-based capital ratio | 20.8180% | 1,210 |
| Total risk-based capital ratio | 22.0289% | 1,187 |
| Memoranda: | ||
| Average total assets | $120,342,500 | 3,822 |
| Average earning assets | $116,498,000 | 3,746 |
| Average equity | $16,853,750 | 3,433 |
| Average total loans | $85,732,500 | 3,582 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 4,124 |
| Cost of funding earning assets | 0.4652% | 3,256 |
| Net interest margin | 3.4159% | 3,905 |
| Noninterest income to average assets | 0.3810% | 3,615 |
| Noninterest expense to average assets | 2.0479% | 4,710 |
| Loan and lease loss provision to assets | 0.0420% | 3,061 |
| Net operating income to assets | 1.2156% | 2,127 |
| Return on assets (ROA) | 1.2103% | 2,151 |
| Pretax return on assets | 1.5879% | 1,539 |
| Return on Equity (ROE) | 8.5575% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.4418% | 1,867 |
| Net charge-offs to loans | 0.0047% | 3,008 |
| Credit loss provision to net charge-offs | 1,250.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 487.5000% | 184 |
| Efficiency ratio | 55.5809% | 4,533 |
| Assets per employee ($millions) | 5.3169% | 2,084 |
| Cash dividends to net income (ytd only)* | 13.0374% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 3,019 |
| Loan loss allowance to noncurrent loans | 188.7189% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 3,012 |
| Noncurrent loans to loans | 0.6058% | 2,600 |
| Net loans and leases to total assets | 69.7885% | 2,610 |
| Net loans and leases to deposits | 82.8115% | 2,683 |
| Net loans and leases to core deposits | 90.6034% | 2,522 |
| Total domestic deposits to total assets | 84.2740% | 2,966 |
| Equity capital to assets | 13.9466% | 946 |
| Core capital (leverage) ratio | 14.5866% | 756 |
| Tier 1 risk-based capital ratio | 20.9239% | 1,191 |
| Total risk-based capital ratio | 22.1101% | 1,174 |
| Memoranda: | ||
| Average total assets | $119,147,330 | 3,876 |
| Average earning assets | $115,225,000 | 3,788 |
| Average equity | $16,850,670 | 3,456 |
| Average total loans | $85,217,000 | 3,621 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 3,995 |
| Cost of funding earning assets | 0.3940% | 3,636 |
| Net interest margin | 3.4828% | 3,595 |
| Noninterest income to average assets | 0.4559% | 3,073 |
| Noninterest expense to average assets | 1.9732% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4738% | 1,133 |
| Return on assets (ROA) | 1.4629% | 1,170 |
| Pretax return on assets | 1.8371% | 843 |
| Return on Equity (ROE) | 10.2696% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.5053% | 1,305 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6014% | 4,990 |
| Assets per employee ($millions) | 5.0760% | 2,392 |
| Cash dividends to net income (ytd only)* | 7.4419% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 3,221 |
| Loan loss allowance to noncurrent loans | 222.1198% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 3,338 |
| Noncurrent loans to loans | 0.5073% | 2,995 |
| Net loans and leases to total assets | 72.4543% | 2,095 |
| Net loans and leases to deposits | 88.3648% | 1,889 |
| Net loans and leases to core deposits | 94.6228% | 2,088 |
| Total domestic deposits to total assets | 81.9946% | 3,964 |
| Equity capital to assets | 14.4379% | 785 |
| Core capital (leverage) ratio | 14.5974% | 742 |
| Tier 1 risk-based capital ratio | 23.4132% | 903 |
| Total risk-based capital ratio | 24.6627% | 880 |
| Memoranda: | ||
| Average total assets | $117,577,000 | 3,940 |
| Average earning assets | $113,703,000 | 3,854 |
| Average equity | $16,748,500 | 3,503 |
| Average total loans | $84,660,500 | 3,659 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7020% | 4,330 |
| Cost of funding earning assets | 0.4150% | 3,097 |
| Net interest margin | 3.2870% | 4,194 |
| Noninterest income to average assets | 0.4984% | 3,012 |
| Noninterest expense to average assets | 2.0753% | 4,823 |
| Loan and lease loss provision to assets | 0.0506% | 3,211 |
| Net operating income to assets | 0.9855% | 2,307 |
| Return on assets (ROA) | 0.9656% | 2,420 |
| Pretax return on assets | 1.5137% | 1,587 |
| Return on Equity (ROE) | 7.0091% | 3,276 |
| Retained earnings to average equity (ytd only) | 4.4381% | 2,491 |
| Net charge-offs to loans | 0.1157% | 1,888 |
| Credit loss provision to net charge-offs | 64.5161% | 3,167 |
| Earnings coverage of net charge-offs (x) | 20.3441% | 1,970 |
| Efficiency ratio | 56.5357% | 4,711 |
| Assets per employee ($millions) | 5.1481% | 2,316 |
| Cash dividends to net income (ytd only)* | 36.6812% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 3,059 |
| Loan loss allowance to noncurrent loans | 218.0995% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 3,372 |
| Noncurrent loans to loans | 0.5276% | 2,928 |
| Net loans and leases to total assets | 69.9323% | 2,526 |
| Net loans and leases to deposits | 85.6874% | 2,302 |
| Net loans and leases to core deposits | 90.6894% | 2,491 |
| Total domestic deposits to total assets | 81.6133% | 3,967 |
| Equity capital to assets | 14.0542% | 894 |
| Core capital (leverage) ratio | 14.2251% | 791 |
| Tier 1 risk-based capital ratio | 22.9735% | 912 |
| Total risk-based capital ratio | 24.2232% | 896 |
| Memoranda: | ||
| Average total assets | $118,583,800 | 3,921 |
| Average earning assets | $114,451,800 | 3,837 |
| Average equity | $16,336,000 | 3,553 |
| Average total loans | $80,355,400 | 3,743 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 4,380 |
| Cost of funding earning assets | 0.4125% | 3,065 |
| Net interest margin | 3.2626% | 4,286 |
| Noninterest income to average assets | 0.4957% | 3,053 |
| Noninterest expense to average assets | 2.0298% | 4,891 |
| Loan and lease loss provision to assets | 0.0393% | 3,322 |
| Net operating income to assets | 1.0257% | 2,443 |
| Return on assets (ROA) | 1.0228% | 2,497 |
| Pretax return on assets | 1.5690% | 1,520 |
| Return on Equity (ROE) | 7.4620% | 3,411 |
| Retained earnings to average equity (ytd only) | 4.2312% | 3,382 |
| Net charge-offs to loans | 0.0017% | 3,713 |
| Credit loss provision to net charge-offs | 3,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 1,438.5639% | 65 |
| Efficiency ratio | 55.7235% | 4,776 |
| Assets per employee ($millions) | 5.3404% | 2,076 |
| Cash dividends to net income (ytd only)* | 43.2968% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,486 |
| Loan loss allowance to noncurrent loans | 194.1620% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 3,222 |
| Noncurrent loans to loans | 0.6566% | 2,734 |
| Net loans and leases to total assets | 67.9567% | 2,851 |
| Net loans and leases to deposits | 84.5120% | 2,491 |
| Net loans and leases to core deposits | 89.3926% | 2,663 |
| Total domestic deposits to total assets | 80.4108% | 4,228 |
| Equity capital to assets | 14.0499% | 978 |
| Core capital (leverage) ratio | 13.9725% | 900 |
| Tier 1 risk-based capital ratio | 23.2269% | 928 |
| Total risk-based capital ratio | 24.4787% | 910 |
| Memoranda: | ||
| Average total assets | $118,628,250 | 3,955 |
| Average earning assets | $114,426,500 | 3,875 |
| Average equity | $16,259,750 | 3,596 |
| Average total loans | $79,502,250 | 3,787 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 4,454 |
| Cost of funding earning assets | 0.4074% | 3,001 |
| Net interest margin | 3.2155% | 4,366 |
| Noninterest income to average assets | 0.5243% | 2,865 |
| Noninterest expense to average assets | 1.9511% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0019% | 2,419 |
| Return on assets (ROA) | 0.9966% | 2,493 |
| Pretax return on assets | 1.6688% | 1,128 |
| Return on Equity (ROE) | 7.3312% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.8601% | 2,192 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7749% | 5,035 |
| Assets per employee ($millions) | 4.9920% | 2,394 |
| Cash dividends to net income (ytd only)* | 20.0675% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,835 |
| Loan loss allowance to noncurrent loans | 145.9736% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 2,859 |
| Noncurrent loans to loans | 0.8420% | 2,299 |
| Net loans and leases to total assets | 66.8695% | 2,970 |
| Net loans and leases to deposits | 81.6833% | 2,729 |
| Net loans and leases to core deposits | 86.2175% | 2,858 |
| Total domestic deposits to total assets | 81.8643% | 3,924 |
| Equity capital to assets | 13.7412% | 1,062 |
| Core capital (leverage) ratio | 13.6188% | 962 |
| Tier 1 risk-based capital ratio | 23.0470% | 949 |
| Total risk-based capital ratio | 24.2978% | 936 |
| Memoranda: | ||
| Average total assets | $119,008,330 | 3,974 |
| Average earning assets | $114,880,670 | 3,895 |
| Average equity | $16,177,330 | 3,619 |
| Average total loans | $79,045,670 | 3,813 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5416% | 4,568 |
| Cost of funding earning assets | 0.3842% | 3,154 |
| Net interest margin | 3.1574% | 4,477 |
| Noninterest income to average assets | 0.5194% | 2,843 |
| Noninterest expense to average assets | 1.9695% | 5,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0488% | 2,075 |
| Return on assets (ROA) | 1.0488% | 2,124 |
| Pretax return on assets | 1.5985% | 1,241 |
| Return on Equity (ROE) | 7.7583% | 3,037 |
| Retained earnings to average equity (ytd only) | 6.2615% | 2,207 |
| Net charge-offs to loans | -0.0051% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1985% | 5,021 |
| Assets per employee ($millions) | 5.0717% | 2,346 |
| Cash dividends to net income (ytd only)* | 19.2926% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,607 |
| 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 | 62.9678% | 3,404 |
| Net loans and leases to deposits | 76.4348% | 3,144 |
| Net loans and leases to core deposits | 80.9533% | 3,201 |
| Total domestic deposits to total assets | 82.3810% | 4,065 |
| Equity capital to assets | 13.2837% | 1,155 |
| Core capital (leverage) ratio | 13.6882% | 917 |
| Tier 1 risk-based capital ratio | 23.3988% | 928 |
| Total risk-based capital ratio | 24.6502% | 916 |
| Memoranda: | ||
| Average total assets | $118,608,500 | 4,020 |
| Average earning assets | $114,524,000 | 3,939 |
| Average equity | $16,034,500 | 3,661 |
| Average total loans | $78,012,500 | 3,864 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,245 |
| Cost of funding earning assets | 0.3968% | 3,031 |
| Net interest margin | 3.2922% | 4,165 |
| Noninterest income to average assets | 0.5082% | 3,183 |
| Noninterest expense to average assets | 2.1328% | 4,932 |
| Loan and lease loss provision to assets | 0.0447% | 3,491 |
| Net operating income to assets | 1.0036% | 2,339 |
| Return on assets (ROA) | 1.0343% | 2,309 |
| Pretax return on assets | 1.5639% | 1,383 |
| Return on Equity (ROE) | 7.3513% | 3,294 |
| Retained earnings to average equity (ytd only) | 4.5961% | 2,640 |
| Net charge-offs to loans | 0.0025% | 4,181 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 874.5000% | 88 |
| Efficiency ratio | 57.7230% | 4,886 |
| Assets per employee ($millions) | 4.8123% | 2,630 |
| Cash dividends to net income (ytd only)* | 37.4784% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 67.0023% | 2,929 |
| Net loans and leases to deposits | 81.9132% | 2,682 |
| Net loans and leases to core deposits | 86.9358% | 2,771 |
| Total domestic deposits to total assets | 81.7968% | 4,131 |
| Equity capital to assets | 13.7667% | 960 |
| Core capital (leverage) ratio | 13.8333% | 862 |
| Tier 1 risk-based capital ratio | 23.1582% | 955 |
| Total risk-based capital ratio | 24.4104% | 935 |
| Memoranda: | ||
| Average total assets | $111,964,600 | 4,130 |
| Average earning assets | $108,376,400 | 4,034 |
| Average equity | $15,752,400 | 3,727 |
| Average total loans | $79,114,600 | 3,819 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7077% | 4,225 |
| Cost of funding earning assets | 0.3953% | 3,064 |
| Net interest margin | 3.3124% | 4,145 |
| Noninterest income to average assets | 0.5017% | 3,236 |
| Noninterest expense to average assets | 2.0597% | 5,089 |
| Loan and lease loss provision to assets | 0.0300% | 3,640 |
| Net operating income to assets | 1.0647% | 2,149 |
| Return on assets (ROA) | 1.1067% | 2,071 |
| Pretax return on assets | 1.6840% | 1,157 |
| Return on Equity (ROE) | 7.8222% | 3,104 |
| Retained earnings to average equity (ytd only) | 4.5983% | 3,082 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5160% | 5,105 |
| Assets per employee ($millions) | 4.7622% | 2,663 |
| Cash dividends to net income (ytd only)* | 41.2145% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 3,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 69.1188% | 2,622 |
| Net loans and leases to deposits | 85.0987% | 2,355 |
| Net loans and leases to core deposits | 90.4136% | 2,537 |
| Total domestic deposits to total assets | 81.2219% | 4,190 |
| Equity capital to assets | 13.9685% | 1,045 |
| Core capital (leverage) ratio | 14.2413% | 783 |
| Tier 1 risk-based capital ratio | 22.7729% | 1,031 |
| Total risk-based capital ratio | 24.0242% | 1,021 |
| Memoranda: | ||
| Average total assets | $111,081,750 | 4,170 |
| Average earning assets | $107,594,250 | 4,073 |
| Average equity | $15,715,500 | 3,758 |
| Average total loans | $79,297,750 | 3,843 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 4,141 |
| Cost of funding earning assets | 0.3917% | 3,134 |
| Net interest margin | 3.3530% | 4,049 |
| Noninterest income to average assets | 0.4890% | 3,271 |
| Noninterest expense to average assets | 2.0307% | 5,211 |
| Loan and lease loss provision to assets | 0.0454% | 3,240 |
| Net operating income to assets | 1.0981% | 1,964 |
| Return on assets (ROA) | 1.1617% | 1,837 |
| Pretax return on assets | 1.7616% | 955 |
| Return on Equity (ROE) | 8.1754% | 2,896 |
| Retained earnings to average equity (ytd only) | 6.3074% | 1,956 |
| Net charge-offs to loans | -0.0025% | 4,398 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2760% | 5,290 |
| Assets per employee ($millions) | 4.5054% | 3,018 |
| Cash dividends to net income (ytd only)* | 22.8482% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 3,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 73.0035% | 2,016 |
| Net loans and leases to deposits | 90.8210% | 1,649 |
| Net loans and leases to core deposits | 96.5473% | 1,930 |
| Total domestic deposits to total assets | 80.3818% | 4,457 |
| Equity capital to assets | 14.7361% | 807 |
| Core capital (leverage) ratio | 14.2408% | 764 |
| Tier 1 risk-based capital ratio | 23.1523% | 998 |
| Total risk-based capital ratio | 24.4034% | 978 |
| Memoranda: | ||
| Average total assets | $110,011,330 | 4,228 |
| Average earning assets | $106,709,000 | 4,121 |
| Average equity | $15,632,330 | 3,783 |
| Average total loans | $79,073,000 | 3,868 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,237 |
| Cost of funding earning assets | 0.3719% | 3,376 |
| Net interest margin | 3.3512% | 4,038 |
| Noninterest income to average assets | 0.5011% | 3,103 |
| Noninterest expense to average assets | 1.9215% | 5,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2268% | 1,468 |
| Return on assets (ROA) | 1.2510% | 1,502 |
| Pretax return on assets | 1.8639% | 745 |
| Return on Equity (ROE) | 8.9655% | 2,442 |
| Retained earnings to average equity (ytd only) | 6.6660% | 2,051 |
| Net charge-offs to loans | -0.0051% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2500% | 5,552 |
| Assets per employee ($millions) | 4.6013% | 2,897 |
| Cash dividends to net income (ytd only)* | 25.6484% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 3,518 |
| Loan loss allowance to noncurrent loans | 31,666.6667% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,676 |
| Noncurrent loans to loans | 0.0038% | 5,521 |
| Net loans and leases to total assets | 71.2083% | 2,152 |
| Net loans and leases to deposits | 88.3848% | 1,786 |
| Net loans and leases to core deposits | 93.8198% | 2,008 |
| Total domestic deposits to total assets | 80.5661% | 4,616 |
| Equity capital to assets | 14.1944% | 920 |
| Core capital (leverage) ratio | 13.8896% | 841 |
| Tier 1 risk-based capital ratio | 22.6653% | 1,061 |
| Total risk-based capital ratio | 23.9158% | 1,036 |
| Memoranda: | ||
| Average total assets | $110,952,500 | 4,246 |
| Average earning assets | $107,543,500 | 4,138 |
| Average equity | $15,481,500 | 3,815 |
| Average total loans | $78,653,000 | 3,894 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 4,497 |
| Cost of funding earning assets | 0.3617% | 3,561 |
| Net interest margin | 3.2961% | 4,307 |
| Noninterest income to average assets | 0.5020% | 3,317 |
| Noninterest expense to average assets | 2.0993% | 5,259 |
| Loan and lease loss provision to assets | 0.0685% | 2,926 |
| Net operating income to assets | 1.0463% | 2,142 |
| Return on assets (ROA) | 1.0542% | 2,195 |
| Pretax return on assets | 1.5425% | 1,431 |
| Return on Equity (ROE) | 7.6804% | 3,146 |
| Retained earnings to average equity (ytd only) | 5.2599% | 2,235 |
| Net charge-offs to loans | -0.0699% | 5,667 |
| Credit loss provision to net charge-offs | -147.0588% | 5,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8041% | 5,272 |
| Assets per employee ($millions) | 4.8467% | 2,535 |
| Cash dividends to net income (ytd only)* | 31.5152% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 3,354 |
| Loan loss allowance to noncurrent loans | 94,900.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,741 |
| Noncurrent loans to loans | 0.0013% | 5,574 |
| Net loans and leases to total assets | 68.8690% | 2,563 |
| Net loans and leases to deposits | 86.1492% | 2,119 |
| Net loans and leases to core deposits | 87.2785% | 2,674 |
| Total domestic deposits to total assets | 79.9415% | 4,757 |
| Equity capital to assets | 13.7144% | 1,035 |
| Core capital (leverage) ratio | 13.7314% | 899 |
| Tier 1 risk-based capital ratio | 22.4129% | 1,096 |
| Total risk-based capital ratio | 23.6645% | 1,078 |
| Memoranda: | ||
| Average total assets | $109,562,800 | 4,268 |
| Average earning assets | $106,156,200 | 4,139 |
| Average equity | $15,038,200 | 3,832 |
| Average total loans | $72,929,400 | 4,021 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 4,560 |
| Cost of funding earning assets | 0.3622% | 3,630 |
| Net interest margin | 3.2928% | 4,382 |
| Noninterest income to average assets | 0.4376% | 3,817 |
| Noninterest expense to average assets | 2.0265% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0873% | 2,067 |
| Return on assets (ROA) | 1.0939% | 2,119 |
| Pretax return on assets | 1.6097% | 1,353 |
| Return on Equity (ROE) | 7.9682% | 3,088 |
| Retained earnings to average equity (ytd only) | 4.9056% | 2,981 |
| Net charge-offs to loans | -0.0967% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8814% | 5,368 |
| Assets per employee ($millions) | 4.8398% | 2,503 |
| Cash dividends to net income (ytd only)* | 38.4363% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 3,765 |
| Loan loss allowance to noncurrent loans | 523.9521% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 5,162 |
| Noncurrent loans to loans | 0.2251% | 4,756 |
| Net loans and leases to total assets | 65.8725% | 3,035 |
| Net loans and leases to deposits | 81.9514% | 2,651 |
| Net loans and leases to core deposits | 83.0212% | 3,154 |
| Total domestic deposits to total assets | 80.3800% | 4,643 |
| Equity capital to assets | 13.5921% | 1,185 |
| Core capital (leverage) ratio | 13.7091% | 942 |
| Tier 1 risk-based capital ratio | 22.8785% | 1,068 |
| Total risk-based capital ratio | 24.1294% | 1,050 |
| Memoranda: | ||
| Average total assets | $109,085,000 | 4,320 |
| Average earning assets | $105,641,000 | 4,188 |
| Average equity | $14,975,750 | 3,879 |
| Average total loans | $71,731,750 | 4,090 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 4,493 |
| Cost of funding earning assets | 0.3664% | 3,637 |
| Net interest margin | 3.3070% | 4,276 |
| Noninterest income to average assets | 0.5261% | 3,195 |
| Noninterest expense to average assets | 1.9309% | 5,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3033% | 1,315 |
| Return on assets (ROA) | 1.3033% | 1,372 |
| Pretax return on assets | 1.7943% | 905 |
| Return on Equity (ROE) | 9.4611% | 2,318 |
| Retained earnings to average equity (ytd only) | 7.9870% | 1,274 |
| Net charge-offs to loans | -0.1636% | 5,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8335% | 5,729 |
| Assets per employee ($millions) | 5.0403% | 2,225 |
| Cash dividends to net income (ytd only)* | 15.5807% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 3,675 |
| Loan loss allowance to noncurrent loans | 2,097.6190% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 5,712 |
| Noncurrent loans to loans | 0.0581% | 5,501 |
| Net loans and leases to total assets | 64.3736% | 3,212 |
| Net loans and leases to deposits | 78.8046% | 2,925 |
| Net loans and leases to core deposits | 80.8751% | 3,293 |
| Total domestic deposits to total assets | 81.6877% | 4,393 |
| Equity capital to assets | 13.6689% | 1,102 |
| Core capital (leverage) ratio | 13.9980% | 838 |
| Tier 1 risk-based capital ratio | 23.1992% | 1,053 |
| Total risk-based capital ratio | 24.4501% | 1,038 |
| Memoranda: | ||
| Average total assets | $108,341,670 | 4,374 |
| Average earning assets | $104,808,670 | 4,250 |
| Average equity | $14,924,330 | 3,907 |
| Average total loans | $70,908,670 | 4,139 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 4,368 |
| Cost of funding earning assets | 0.3757% | 3,584 |
| Net interest margin | 3.3236% | 4,116 |
| Noninterest income to average assets | 0.5791% | 2,779 |
| Noninterest expense to average assets | 1.9352% | 5,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3487% | 1,141 |
| Return on assets (ROA) | 1.3487% | 1,208 |
| Pretax return on assets | 1.8493% | 793 |
| Return on Equity (ROE) | 9.7515% | 2,112 |
| Retained earnings to average equity (ytd only) | 8.2658% | 1,469 |
| Net charge-offs to loans | -0.3360% | 6,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1352% | 5,852 |
| Assets per employee ($millions) | 4.9481% | 2,424 |
| Cash dividends to net income (ytd only)* | 15.2355% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 3,639 |
| 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 | 63.5341% | 3,152 |
| Net loans and leases to deposits | 78.0883% | 2,786 |
| Net loans and leases to core deposits | 78.8198% | 3,296 |
| Total domestic deposits to total assets | 81.3620% | 4,720 |
| Equity capital to assets | 13.7629% | 1,068 |
| Core capital (leverage) ratio | 13.8124% | 881 |
| Tier 1 risk-based capital ratio | 23.1833% | 1,086 |
| Total risk-based capital ratio | 24.4343% | 1,061 |
| Memoranda: | ||
| Average total assets | $107,069,000 | 4,434 |
| Average earning assets | $103,261,500 | 4,319 |
| Average equity | $14,808,000 | 3,944 |
| Average total loans | $70,231,500 | 4,176 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,562 |
| Cost of funding earning assets | 0.4234% | 3,447 |
| Net interest margin | 3.3524% | 4,396 |
| Noninterest income to average assets | 0.5292% | 3,298 |
| Noninterest expense to average assets | 2.1773% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1088% | 1,947 |
| Return on assets (ROA) | 1.1055% | 2,011 |
| Pretax return on assets | 1.5866% | 1,277 |
| Return on Equity (ROE) | 8.0164% | 3,127 |
| Retained earnings to average equity (ytd only) | 3.6704% | 3,612 |
| Net charge-offs to loans | -0.0410% | 5,868 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7727% | 5,484 |
| Assets per employee ($millions) | 5.2640% | 1,998 |
| Cash dividends to net income (ytd only)* | 54.2137% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 4,177 |
| Loan loss allowance to noncurrent loans | 82,300.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,099 |
| Noncurrent loans to loans | 0.0014% | 5,933 |
| Net loans and leases to total assets | 66.1056% | 2,860 |
| Net loans and leases to deposits | 81.4198% | 2,553 |
| Net loans and leases to core deposits | 83.5326% | 2,950 |
| Total domestic deposits to total assets | 81.1911% | 4,683 |
| Equity capital to assets | 13.9001% | 994 |
| Core capital (leverage) ratio | 13.8958% | 842 |
| Tier 1 risk-based capital ratio | 19.1047% | 1,812 |
| Total risk-based capital ratio | 20.1876% | 1,828 |
| Memoranda: | ||
| Average total assets | $104,119,600 | 4,500 |
| Average earning assets | $100,614,200 | 4,378 |
| Average equity | $14,358,000 | 3,966 |
| Average total loans | $65,787,800 | 4,306 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7547% | 4,697 |
| Cost of funding earning assets | 0.4272% | 3,491 |
| Net interest margin | 3.3275% | 4,518 |
| Noninterest income to average assets | 0.5971% | 2,894 |
| Noninterest expense to average assets | 2.2023% | 5,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2103% | 1,648 |
| Return on assets (ROA) | 1.2045% | 1,729 |
| Pretax return on assets | 1.6077% | 1,302 |
| Return on Equity (ROE) | 8.7525% | 2,811 |
| Retained earnings to average equity (ytd only) | 3.6764% | 4,024 |
| Net charge-offs to loans | -0.0557% | 5,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6858% | 5,484 |
| Assets per employee ($millions) | 4.7086% | 2,657 |
| Cash dividends to net income (ytd only)* | 57.9959% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 4,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 65.4124% | 2,965 |
| Net loans and leases to deposits | 80.9655% | 2,554 |
| Net loans and leases to core deposits | 81.2772% | 3,176 |
| Total domestic deposits to total assets | 80.7904% | 4,881 |
| Equity capital to assets | 13.9996% | 1,005 |
| Core capital (leverage) ratio | 13.7175% | 925 |
| Tier 1 risk-based capital ratio | 19.1344% | 1,872 |
| Total risk-based capital ratio | 20.2290% | 1,879 |
| Memoranda: | ||
| Average total assets | $103,829,500 | 4,551 |
| Average earning assets | $100,493,500 | 4,422 |
| Average equity | $14,289,000 | 3,999 |
| Average total loans | $64,630,000 | 4,383 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 4,774 |
| Cost of funding earning assets | 0.4259% | 3,593 |
| Net interest margin | 3.3020% | 4,578 |
| Noninterest income to average assets | 0.6371% | 2,626 |
| Noninterest expense to average assets | 2.1750% | 5,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3045% | 1,294 |
| Return on assets (ROA) | 1.2954% | 1,375 |
| Pretax return on assets | 1.6437% | 1,154 |
| Return on Equity (ROE) | 9.4669% | 2,384 |
| Retained earnings to average equity (ytd only) | 6.0346% | 2,301 |
| Net charge-offs to loans | -0.0853% | 6,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7839% | 5,676 |
| Assets per employee ($millions) | 4.6316% | 2,725 |
| Cash dividends to net income (ytd only)* | 36.2556% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 4,196 |
| Loan loss allowance to noncurrent loans | 82,300.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,282 |
| Noncurrent loans to loans | 0.0015% | 6,113 |
| Net loans and leases to total assets | 61.3075% | 3,522 |
| Net loans and leases to deposits | 75.2044% | 3,161 |
| Net loans and leases to core deposits | 75.4825% | 3,679 |
| Total domestic deposits to total assets | 81.5211% | 4,808 |
| Equity capital to assets | 13.6463% | 1,107 |
| Core capital (leverage) ratio | 14.1402% | 795 |
| Tier 1 risk-based capital ratio | 19.4485% | 1,810 |
| Total risk-based capital ratio | 20.5583% | 1,811 |
| Memoranda: | ||
| Average total assets | $103,909,670 | 4,581 |
| Average earning assets | $100,485,000 | 4,458 |
| Average equity | $14,218,000 | 4,005 |
| Average total loans | $63,312,330 | 4,445 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,620 |
| Cost of funding earning assets | 0.4321% | 3,624 |
| Net interest margin | 3.3319% | 4,412 |
| Noninterest income to average assets | 0.7719% | 1,868 |
| Noninterest expense to average assets | 2.2690% | 5,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5326% | 763 |
| Return on assets (ROA) | 1.5360% | 791 |
| Pretax return on assets | 1.7232% | 927 |
| Return on Equity (ROE) | 11.2103% | 1,623 |
| Retained earnings to average equity (ytd only) | 9.7308% | 1,039 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8915% | 5,767 |
| Assets per employee ($millions) | 4.5425% | 2,909 |
| Cash dividends to net income (ytd only)* | 13.1980% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 4,274 |
| Loan loss allowance to noncurrent loans | 15,920.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 6,248 |
| Noncurrent loans to loans | 0.0080% | 6,158 |
| Net loans and leases to total assets | 59.1780% | 3,678 |
| Net loans and leases to deposits | 72.6815% | 3,250 |
| Net loans and leases to core deposits | 73.3890% | 3,718 |
| Total domestic deposits to total assets | 81.4210% | 5,115 |
| Equity capital to assets | 13.6718% | 1,046 |
| Core capital (leverage) ratio | 14.1441% | 777 |
| Tier 1 risk-based capital ratio | 20.1066% | 1,694 |
| Total risk-based capital ratio | 21.2231% | 1,694 |
| Memoranda: | ||
| Average total assets | $102,601,000 | 4,662 |
| Average earning assets | $99,043,000 | 4,539 |
| Average equity | $14,058,500 | 4,036 |
| Average total loans | $61,902,500 | 4,527 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 4,718 |
| Cost of funding earning assets | 0.5002% | 3,613 |
| Net interest margin | 3.3251% | 4,574 |
| Noninterest income to average assets | 1.0007% | 1,394 |
| Noninterest expense to average assets | 2.4988% | 4,766 |
| Loan and lease loss provision to assets | 0.1009% | 3,117 |
| Net operating income to assets | 1.1085% | 1,907 |
| Return on assets (ROA) | 1.1631% | 1,768 |
| Pretax return on assets | 1.6706% | 1,017 |
| Return on Equity (ROE) | 8.3187% | 2,875 |
| Retained earnings to average equity (ytd only) | 4.7473% | 2,776 |
| Net charge-offs to loans | 0.1359% | 3,445 |
| Credit loss provision to net charge-offs | 120.4819% | 1,980 |
| Earnings coverage of net charge-offs (x) | 20.2289% | 1,558 |
| Efficiency ratio | 59.6006% | 5,523 |
| Assets per employee ($millions) | 4.3793% | 3,122 |
| Cash dividends to net income (ytd only)* | 42.9315% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 4,139 |
| Loan loss allowance to noncurrent loans | 8,844.4444% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 6,322 |
| Noncurrent loans to loans | 0.0147% | 6,232 |
| Net loans and leases to total assets | 59.9510% | 3,731 |
| Net loans and leases to deposits | 70.3919% | 3,732 |
| Net loans and leases to core deposits | 71.0989% | 4,175 |
| Total domestic deposits to total assets | 85.1674% | 3,657 |
| Equity capital to assets | 13.7336% | 986 |
| Core capital (leverage) ratio | 13.9384% | 839 |
| Tier 1 risk-based capital ratio | 20.3156% | 1,581 |
| Total risk-based capital ratio | 21.4713% | 1,572 |
| Memoranda: | ||
| Average total assets | $99,128,000 | 4,760 |
| Average earning assets | $95,154,200 | 4,649 |
| Average equity | $13,860,400 | 4,094 |
| Average total loans | $61,061,600 | 4,577 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 4,761 |
| Cost of funding earning assets | 0.5196% | 3,569 |
| Net interest margin | 3.3034% | 4,623 |
| Noninterest income to average assets | 1.1965% | 1,025 |
| Noninterest expense to average assets | 2.4335% | 4,925 |
| Loan and lease loss provision to assets | 0.0338% | 4,344 |
| Net operating income to assets | 1.3986% | 1,107 |
| Return on assets (ROA) | 1.4355% | 1,074 |
| Pretax return on assets | 1.9474% | 655 |
| Return on Equity (ROE) | 10.2205% | 2,097 |
| Retained earnings to average equity (ytd only) | 5.9515% | 2,445 |
| Net charge-offs to loans | 0.0218% | 4,691 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 143.0323% | 387 |
| Efficiency ratio | 55.7550% | 5,936 |
| Assets per employee ($millions) | 4.2301% | 3,367 |
| Cash dividends to net income (ytd only)* | 41.7689% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 4,367 |
| Loan loss allowance to noncurrent loans | 221.1699% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.8839% | 3,914 |
| Noncurrent loans to loans | 0.5896% | 4,724 |
| Net loans and leases to total assets | 61.7625% | 3,407 |
| Net loans and leases to deposits | 73.5586% | 3,305 |
| Net loans and leases to core deposits | 73.8778% | 3,865 |
| Total domestic deposits to total assets | 83.9637% | 4,202 |
| Equity capital to assets | 14.2571% | 894 |
| Core capital (leverage) ratio | 14.1311% | 839 |
| Tier 1 risk-based capital ratio | 20.4033% | 1,623 |
| Total risk-based capital ratio | 21.5642% | 1,627 |
| Memoranda: | ||
| Average total assets | $98,729,000 | 4,818 |
| Average earning assets | $94,688,500 | 4,702 |
| Average equity | $13,867,250 | 4,142 |
| Average total loans | $61,031,750 | 4,619 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 4,697 |
| Cost of funding earning assets | 0.5361% | 3,538 |
| Net interest margin | 3.3030% | 4,568 |
| Noninterest income to average assets | 1.1652% | 1,118 |
| Noninterest expense to average assets | 2.3728% | 5,130 |
| Loan and lease loss provision to assets | 0.0504% | 3,979 |
| Net operating income to assets | 1.4258% | 1,025 |
| Return on assets (ROA) | 1.4817% | 1,004 |
| Pretax return on assets | 1.9837% | 625 |
| Return on Equity (ROE) | 10.6015% | 1,965 |
| Retained earnings to average equity (ytd only) | 8.3369% | 1,351 |
| Net charge-offs to loans | 0.0033% | 4,856 |
| Credit loss provision to net charge-offs | 2,500.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 972.0000% | 32 |
| Efficiency ratio | 54.7697% | 6,075 |
| Assets per employee ($millions) | 4.2666% | 3,230 |
| Cash dividends to net income (ytd only)* | 21.3605% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,456 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 4,912 |
| Noncurrent loans to loans | 0.0359% | 6,296 |
| Net loans and leases to total assets | 61.6360% | 3,366 |
| Net loans and leases to deposits | 74.4025% | 3,088 |
| Net loans and leases to core deposits | 74.7260% | 3,696 |
| Total domestic deposits to total assets | 82.8413% | 4,766 |
| Equity capital to assets | 14.1077% | 938 |
| Core capital (leverage) ratio | 14.1581% | 784 |
| Tier 1 risk-based capital ratio | 20.5744% | 1,597 |
| Total risk-based capital ratio | 21.7618% | 1,580 |
| Memoranda: | ||
| Average total assets | $99,208,000 | 4,840 |
| Average earning assets | $95,125,330 | 4,721 |
| Average equity | $13,866,000 | 4,173 |
| Average total loans | $61,081,000 | 4,643 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 4,649 |
| Cost of funding earning assets | 0.5366% | 3,710 |
| Net interest margin | 3.3120% | 4,474 |
| Noninterest income to average assets | 1.2030% | 1,049 |
| Noninterest expense to average assets | 2.3941% | 5,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4998% | 856 |
| Return on assets (ROA) | 1.4998% | 935 |
| Pretax return on assets | 1.9770% | 616 |
| Return on Equity (ROE) | 10.7804% | 1,764 |
| Retained earnings to average equity (ytd only) | 9.2815% | 1,291 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7706% | 6,176 |
| Assets per employee ($millions) | 4.2205% | 3,502 |
| Cash dividends to net income (ytd only)* | 13.9037% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,706 |
| Loan loss allowance to noncurrent loans | 205.0000% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9148% | 4,109 |
| Noncurrent loans to loans | 0.6335% | 4,865 |
| Net loans and leases to total assets | 60.9945% | 3,249 |
| Net loans and leases to deposits | 74.1676% | 2,894 |
| Net loans and leases to core deposits | 75.0628% | 3,461 |
| Total domestic deposits to total assets | 82.2388% | 5,117 |
| Equity capital to assets | 14.4235% | 898 |
| Core capital (leverage) ratio | 13.7938% | 852 |
| Tier 1 risk-based capital ratio | 20.4205% | 1,669 |
| Total risk-based capital ratio | 21.4567% | 1,693 |
| Memoranda: | ||
| Average total assets | $99,746,500 | 4,872 |
| Average earning assets | $95,409,500 | 4,754 |
| Average equity | $13,877,000 | 4,222 |
| Average total loans | $60,978,000 | 4,673 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 4,575 |
| Cost of funding earning assets | 0.6324% | 4,074 |
| Net interest margin | 3.5735% | 4,214 |
| Noninterest income to average assets | 0.9188% | 1,799 |
| Noninterest expense to average assets | 2.4579% | 5,228 |
| Loan and lease loss provision to assets | 0.1025% | 4,359 |
| Net operating income to assets | 1.2291% | 1,507 |
| Return on assets (ROA) | 1.2356% | 1,657 |
| Pretax return on assets | 1.7883% | 939 |
| Return on Equity (ROE) | 8.9272% | 2,682 |
| Retained earnings to average equity (ytd only) | 5.7342% | 2,228 |
| Net charge-offs to loans | 0.1612% | 4,093 |
| Credit loss provision to net charge-offs | 103.0928% | 2,910 |
| Earnings coverage of net charge-offs (x) | 18.8969% | 1,416 |
| Efficiency ratio | 56.6667% | 5,987 |
| Assets per employee ($millions) | 4.8772% | 2,384 |
| Cash dividends to net income (ytd only)* | 35.7676% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 4,835 |
| Loan loss allowance to noncurrent loans | 865.5556% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 5,020 |
| Noncurrent loans to loans | 0.1452% | 6,115 |
| Net loans and leases to total assets | 59.7430% | 3,646 |
| Net loans and leases to deposits | 71.5522% | 3,489 |
| Net loans and leases to core deposits | 72.3577% | 4,003 |
| Total domestic deposits to total assets | 83.4957% | 4,536 |
| Equity capital to assets | 13.4278% | 1,257 |
| Core capital (leverage) ratio | 13.8112% | 855 |
| Tier 1 risk-based capital ratio | 19.8748% | 1,710 |
| Total risk-based capital ratio | 20.9180% | 1,739 |
| Memoranda: | ||
| Average total assets | $97,523,400 | 4,901 |
| Average earning assets | $93,298,600 | 4,769 |
| Average equity | $13,498,000 | 4,258 |
| Average total loans | $60,175,800 | 4,707 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 4,430 |
| Cost of funding earning assets | 0.6573% | 4,132 |
| Net interest margin | 3.6490% | 4,009 |
| Noninterest income to average assets | 1.0370% | 1,409 |
| Noninterest expense to average assets | 2.4410% | 5,267 |
| Loan and lease loss provision to assets | 0.0346% | 5,337 |
| Net operating income to assets | 1.4901% | 1,034 |
| Return on assets (ROA) | 1.5050% | 1,124 |
| Pretax return on assets | 2.0796% | 597 |
| Return on Equity (ROE) | 10.7881% | 2,036 |
| Retained earnings to average equity (ytd only) | 6.9869% | 2,140 |
| Net charge-offs to loans | 0.2143% | 3,443 |
| Credit loss provision to net charge-offs | 26.0417% | 4,860 |
| Earnings coverage of net charge-offs (x) | 15.7496% | 1,733 |
| Efficiency ratio | 53.8321% | 6,267 |
| Assets per employee ($millions) | 4.5241% | 2,873 |
| Cash dividends to net income (ytd only)* | 35.2343% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 5,441 |
| Loan loss allowance to noncurrent loans | 223.8095% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 4,561 |
| Noncurrent loans to loans | 0.5220% | 5,401 |
| Net loans and leases to total assets | 62.7771% | 3,245 |
| Net loans and leases to deposits | 76.5406% | 2,904 |
| Net loans and leases to core deposits | 77.8058% | 3,486 |
| Total domestic deposits to total assets | 82.0180% | 5,016 |
| Equity capital to assets | 14.4486% | 986 |
| Core capital (leverage) ratio | 13.6510% | 963 |
| Tier 1 risk-based capital ratio | 19.9016% | 1,787 |
| Total risk-based capital ratio | 20.9592% | 1,801 |
| Memoranda: | ||
| Average total assets | $96,298,750 | 4,982 |
| Average earning assets | $92,297,750 | 4,839 |
| Average equity | $13,434,250 | 4,310 |
| Average total loans | $59,727,500 | 4,777 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 4,330 |
| Cost of funding earning assets | 0.6791% | 4,185 |
| Net interest margin | 3.6846% | 3,900 |
| Noninterest income to average assets | 1.1455% | 1,086 |
| Noninterest expense to average assets | 2.3364% | 5,646 |
| Loan and lease loss provision to assets | 0.0517% | 5,019 |
| Net operating income to assets | 1.7182% | 650 |
| Return on assets (ROA) | 1.7182% | 727 |
| Pretax return on assets | 2.2909% | 421 |
| Return on Equity (ROE) | 12.4619% | 1,514 |
| Retained earnings to average equity (ytd only) | 10.9922% | 748 |
| Net charge-offs to loans | -0.0168% | 6,392 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9337% | 6,648 |
| Assets per employee ($millions) | 4.6295% | 2,669 |
| Cash dividends to net income (ytd only)* | 11.7930% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,727 |
| Loan loss allowance to noncurrent loans | 1,259.3750% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 6,653 |
| Noncurrent loans to loans | 0.1059% | 6,401 |
| Net loans and leases to total assets | 61.3228% | 3,572 |
| Net loans and leases to deposits | 74.5747% | 3,194 |
| Net loans and leases to core deposits | 78.0442% | 3,509 |
| Total domestic deposits to total assets | 82.2300% | 5,043 |
| Equity capital to assets | 14.0856% | 1,059 |
| Core capital (leverage) ratio | 13.6008% | 937 |
| Tier 1 risk-based capital ratio | 20.0455% | 1,694 |
| Total risk-based capital ratio | 21.2609% | 1,672 |
| Memoranda: | ||
| Average total assets | $96,729,670 | 4,991 |
| Average earning assets | $92,764,330 | 4,853 |
| Average equity | $13,336,670 | 4,332 |
| Average total loans | $59,521,000 | 4,810 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 4,381 |
| Cost of funding earning assets | 0.7132% | 4,169 |
| Net interest margin | 3.6739% | 3,945 |
| Noninterest income to average assets | 1.1774% | 1,030 |
| Noninterest expense to average assets | 2.0853% | 6,298 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0439% | 387 |
| Return on assets (ROA) | 2.0439% | 447 |
| Pretax return on assets | 2.6160% | 284 |
| Return on Equity (ROE) | 14.9871% | 972 |
| Retained earnings to average equity (ytd only) | 13.4975% | 621 |
| Net charge-offs to loans | -0.0135% | 6,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3563% | 6,973 |
| Assets per employee ($millions) | 4.4593% | 3,071 |
| Cash dividends to net income (ytd only)* | 9.9391% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,999 |
| Loan loss allowance to noncurrent loans | 291.3858% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 6,210 |
| Noncurrent loans to loans | 0.4478% | 5,779 |
| Net loans and leases to total assets | 59.9792% | 3,674 |
| Net loans and leases to deposits | 72.7109% | 3,319 |
| Net loans and leases to core deposits | 76.1118% | 3,604 |
| Total domestic deposits to total assets | 82.4900% | 5,132 |
| Equity capital to assets | 13.6529% | 1,175 |
| Core capital (leverage) ratio | 13.6194% | 899 |
| Tier 1 risk-based capital ratio | 19.7105% | 1,778 |
| Total risk-based capital ratio | 20.8896% | 1,769 |
| Memoranda: | ||
| Average total assets | $96,484,500 | 5,028 |
| Average earning assets | $92,545,500 | 4,888 |
| Average equity | $13,158,000 | 4,376 |
| Average total loans | $59,069,500 | 4,853 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 4,560 |
| Cost of funding earning assets | 0.8526% | 4,455 |
| Net interest margin | 3.7746% | 3,956 |
| Noninterest income to average assets | 0.9016% | 1,668 |
| Noninterest expense to average assets | 2.4436% | 5,654 |
| Loan and lease loss provision to assets | 0.1075% | 5,250 |
| Net operating income to assets | 1.3360% | 1,165 |
| Return on assets (ROA) | 1.3615% | 1,196 |
| Pretax return on assets | 1.9826% | 546 |
| Return on Equity (ROE) | 10.1519% | 2,012 |
| Retained earnings to average equity (ytd only) | 6.8187% | 1,585 |
| Net charge-offs to loans | 0.0175% | 6,195 |
| Credit loss provision to net charge-offs | 1,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 191.2000% | 179 |
| Efficiency ratio | 54.3239% | 6,478 |
| Assets per employee ($millions) | 4.3120% | 3,228 |
| Cash dividends to net income (ytd only)* | 32.8335% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 60.8686% | 3,816 |
| Net loans and leases to deposits | 73.7477% | 3,538 |
| Net loans and leases to core deposits | 76.9056% | 3,840 |
| Total domestic deposits to total assets | 82.5362% | 4,953 |
| Equity capital to assets | 13.6215% | 1,207 |
| Core capital (leverage) ratio | 13.2102% | 1,068 |
| Tier 1 risk-based capital ratio | 19.5987% | 1,730 |
| Total risk-based capital ratio | 20.8094% | 1,707 |
| Memoranda: | ||
| Average total assets | $93,058,200 | 5,098 |
| Average earning assets | $88,671,400 | 4,976 |
| Average equity | $12,480,400 | 4,446 |
| Average total loans | $57,209,600 | 4,976 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 4,668 |
| Cost of funding earning assets | 0.8861% | 4,501 |
| Net interest margin | 3.7666% | 4,028 |
| Noninterest income to average assets | 1.0640% | 1,186 |
| Noninterest expense to average assets | 2.3871% | 5,799 |
| Loan and lease loss provision to assets | 0.0360% | 5,988 |
| Net operating income to assets | 1.4319% | 1,096 |
| Return on assets (ROA) | 1.4513% | 1,120 |
| Pretax return on assets | 2.2575% | 389 |
| Return on Equity (ROE) | 10.8648% | 1,909 |
| Retained earnings to average equity (ytd only) | 6.8659% | 2,040 |
| Net charge-offs to loans | 0.0164% | 5,924 |
| Credit loss provision to net charge-offs | 357.1429% | 796 |
| Earnings coverage of net charge-offs (x) | 224.6463% | 176 |
| Efficiency ratio | 51.3313% | 6,740 |
| Assets per employee ($millions) | 4.1226% | 3,597 |
| Cash dividends to net income (ytd only)* | 36.8051% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 5,430 |
| Loan loss allowance to noncurrent loans | 189.2473% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 6,055 |
| Noncurrent loans to loans | 0.6381% | 5,612 |
| Net loans and leases to total assets | 63.4975% | 3,412 |
| Net loans and leases to deposits | 78.0514% | 2,976 |
| Net loans and leases to core deposits | 79.4600% | 3,712 |
| Total domestic deposits to total assets | 81.3535% | 5,310 |
| Equity capital to assets | 14.0014% | 1,155 |
| Core capital (leverage) ratio | 13.2048% | 1,147 |
| Tier 1 risk-based capital ratio | 19.7495% | 1,748 |
| Total risk-based capital ratio | 20.8756% | 1,751 |
| Memoranda: | ||
| Average total assets | $92,606,500 | 5,150 |
| Average earning assets | $88,175,750 | 5,022 |
| Average equity | $12,370,000 | 4,476 |
| Average total loans | $56,882,250 | 5,040 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 4,993 |
| Cost of funding earning assets | 0.9087% | 4,594 |
| Net interest margin | 3.6843% | 4,338 |
| Noninterest income to average assets | 1.3299% | 712 |
| Noninterest expense to average assets | 2.3273% | 6,052 |
| Loan and lease loss provision to assets | 0.0536% | 5,641 |
| Net operating income to assets | 1.5165% | 855 |
| Return on assets (ROA) | 1.5165% | 920 |
| Pretax return on assets | 2.4624% | 261 |
| Return on Equity (ROE) | 11.5331% | 1,624 |
| Retained earnings to average equity (ytd only) | 10.0650% | 828 |
| Net charge-offs to loans | 0.0213% | 5,543 |
| Credit loss provision to net charge-offs | 416.6667% | 722 |
| Earnings coverage of net charge-offs (x) | 195.5000% | 190 |
| Efficiency ratio | 48.0514% | 7,060 |
| Assets per employee ($millions) | 4.2596% | 3,235 |
| Cash dividends to net income (ytd only)* | 12.7298% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 5,470 |
| Loan loss allowance to noncurrent loans | 70,500.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 7,144 |
| Noncurrent loans to loans | 0.0017% | 7,020 |
| Net loans and leases to total assets | 60.9367% | 4,100 |
| Net loans and leases to deposits | 74.1056% | 3,793 |
| Net loans and leases to core deposits | 75.0374% | 4,433 |
| Total domestic deposits to total assets | 82.2296% | 5,085 |
| Equity capital to assets | 13.4711% | 1,310 |
| Core capital (leverage) ratio | 13.0777% | 1,118 |
| Tier 1 risk-based capital ratio | 18.0052% | 2,174 |
| Total risk-based capital ratio | 19.0349% | 2,200 |
| Memoranda: | ||
| Average total assets | $93,242,670 | 5,160 |
| Average earning assets | $88,918,330 | 5,026 |
| Average equity | $12,260,330 | 4,489 |
| Average total loans | $56,411,330 | 5,103 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 5,327 |
| Cost of funding earning assets | 0.9114% | 4,843 |
| Net interest margin | 3.5913% | 4,609 |
| Noninterest income to average assets | 1.6859% | 484 |
| Noninterest expense to average assets | 2.1288% | 6,569 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.4428% | 188 |
| Return on assets (ROA) | 2.4428% | 195 |
| Pretax return on assets | 2.9804% | 152 |
| Return on Equity (ROE) | 18.8103% | 409 |
| Retained earnings to average equity (ytd only) | 17.3200% | 262 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6667% | 7,353 |
| Assets per employee ($millions) | 4.3212% | 3,203 |
| Cash dividends to net income (ytd only)* | 7.9225% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,525 |
| Loan loss allowance to noncurrent loans | 283.4711% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 6,543 |
| Noncurrent loans to loans | 0.4304% | 6,144 |
| Net loans and leases to total assets | 58.4289% | 4,570 |
| Net loans and leases to deposits | 70.5866% | 4,257 |
| Net loans and leases to core deposits | 72.8176% | 4,671 |
| Total domestic deposits to total assets | 82.7762% | 5,004 |
| Equity capital to assets | 13.0099% | 1,380 |
| Core capital (leverage) ratio | 13.2787% | 1,035 |
| Tier 1 risk-based capital ratio | 18.8165% | 1,862 |
| Total risk-based capital ratio | 19.8717% | 1,870 |
| Memoranda: | ||
| Average total assets | $93,008,000 | 5,207 |
| Average earning assets | $88,658,500 | 5,067 |
| Average equity | $12,078,500 | 4,530 |
| Average total loans | $55,712,000 | 5,188 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 5,224 |
| Cost of funding earning assets | 1.0482% | 5,439 |
| Net interest margin | 3.8039% | 3,926 |
| Noninterest income to average assets | 0.6291% | 3,292 |
| Noninterest expense to average assets | 2.4883% | 5,848 |
| Loan and lease loss provision to assets | 0.0899% | 6,242 |
| Net operating income to assets | 1.1556% | 1,529 |
| Return on assets (ROA) | 1.2099% | 1,468 |
| Pretax return on assets | 1.7469% | 857 |
| Return on Equity (ROE) | 9.2605% | 2,194 |
| Retained earnings to average equity (ytd only) | 5.7524% | 1,959 |
| Net charge-offs to loans | 0.0204% | 6,612 |
| Credit loss provision to net charge-offs | 727.2727% | 296 |
| Earnings coverage of net charge-offs (x) | 142.1818% | 172 |
| Efficiency ratio | 58.6134% | 6,263 |
| Assets per employee ($millions) | 4.1341% | 3,504 |
| Cash dividends to net income (ytd only)* | 37.8830% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 5,308 |
| Loan loss allowance to noncurrent loans | 158.4296% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 6,090 |
| Noncurrent loans to loans | 0.7845% | 5,469 |
| Net loans and leases to total assets | 59.9296% | 4,695 |
| Net loans and leases to deposits | 72.4082% | 4,443 |
| Net loans and leases to core deposits | 74.8031% | 4,872 |
| Total domestic deposits to total assets | 82.7664% | 4,896 |
| Equity capital to assets | 12.9621% | 1,405 |
| Core capital (leverage) ratio | 12.8796% | 1,168 |
| Tier 1 risk-based capital ratio | 18.3299% | 1,901 |
| Total risk-based capital ratio | 19.4037% | 1,918 |
| Memoranda: | ||
| Average total assets | $89,016,200 | 5,320 |
| Average earning assets | $84,623,200 | 5,194 |
| Average equity | $11,630,000 | 4,710 |
| Average total loans | $54,043,600 | 5,316 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 5,371 |
| Cost of funding earning assets | 1.0599% | 5,647 |
| Net interest margin | 3.8180% | 3,892 |
| Noninterest income to average assets | 0.5587% | 3,713 |
| Noninterest expense to average assets | 2.4141% | 5,986 |
| Loan and lease loss provision to assets | 0.0753% | 6,297 |
| Net operating income to assets | 1.0817% | 1,960 |
| Return on assets (ROA) | 1.1521% | 1,829 |
| Pretax return on assets | 1.8087% | 910 |
| Return on Equity (ROE) | 8.8002% | 2,565 |
| Retained earnings to average equity (ytd only) | 4.6015% | 3,261 |
| Net charge-offs to loans | 0.0124% | 6,493 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 235.4768% | 140 |
| Efficiency ratio | 57.6411% | 6,319 |
| Assets per employee ($millions) | 3.9794% | 3,882 |
| Cash dividends to net income (ytd only)* | 47.7122% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 5,494 |
| Loan loss allowance to noncurrent loans | 276.9874% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 6,692 |
| Noncurrent loans to loans | 0.4332% | 6,328 |
| Net loans and leases to total assets | 62.2660% | 4,468 |
| Net loans and leases to deposits | 76.2459% | 4,137 |
| Net loans and leases to core deposits | 78.9000% | 4,681 |
| Total domestic deposits to total assets | 81.6647% | 5,142 |
| Equity capital to assets | 13.4294% | 1,377 |
| Core capital (leverage) ratio | 13.0079% | 1,226 |
| Tier 1 risk-based capital ratio | 18.3598% | 1,914 |
| Total risk-based capital ratio | 19.4028% | 1,940 |
| Memoranda: | ||
| Average total assets | $88,532,750 | 5,396 |
| Average earning assets | $84,160,000 | 5,263 |
| Average equity | $11,590,250 | 4,786 |
| Average total loans | $53,756,500 | 5,402 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 5,645 |
| Cost of funding earning assets | 1.0696% | 5,824 |
| Net interest margin | 3.7698% | 4,049 |
| Noninterest income to average assets | 0.5537% | 3,683 |
| Noninterest expense to average assets | 2.3565% | 6,194 |
| Loan and lease loss provision to assets | 0.1125% | 5,780 |
| Net operating income to assets | 0.9989% | 2,208 |
| Return on assets (ROA) | 1.0781% | 2,001 |
| Pretax return on assets | 1.7938% | 896 |
| Return on Equity (ROE) | 8.3054% | 2,759 |
| Retained earnings to average equity (ytd only) | 6.8142% | 1,919 |
| Net charge-offs to loans | 0.0300% | 5,921 |
| Credit loss provision to net charge-offs | 625.0000% | 582 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 332 |
| Efficiency ratio | 56.9331% | 6,519 |
| Assets per employee ($millions) | 4.0591% | 3,654 |
| Cash dividends to net income (ytd only)* | 17.9541% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 5,426 |
| Loan loss allowance to noncurrent loans | 983.5821% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 7,206 |
| Noncurrent loans to loans | 0.1226% | 7,025 |
| Net loans and leases to total assets | 60.4726% | 4,972 |
| Net loans and leases to deposits | 73.0804% | 4,820 |
| Net loans and leases to core deposits | 76.0699% | 5,183 |
| Total domestic deposits to total assets | 82.7480% | 4,670 |
| Equity capital to assets | 13.1221% | 1,520 |
| Core capital (leverage) ratio | 12.7320% | 1,316 |
| Tier 1 risk-based capital ratio | 19.3680% | 1,634 |
| Total risk-based capital ratio | 20.4840% | 1,628 |
| Memoranda: | ||
| Average total assets | $88,861,330 | 5,425 |
| Average earning assets | $84,514,670 | 5,280 |
| Average equity | $11,534,670 | 4,795 |
| Average total loans | $53,284,000 | 5,457 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 5,803 |
| Cost of funding earning assets | 1.0856% | 5,972 |
| Net interest margin | 3.7358% | 4,074 |
| Noninterest income to average assets | 0.5957% | 3,301 |
| Noninterest expense to average assets | 2.2157% | 6,650 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4163% | 1,040 |
| Return on assets (ROA) | 1.5974% | 810 |
| Pretax return on assets | 2.1841% | 434 |
| Return on Equity (ROE) | 12.3744% | 1,396 |
| Retained earnings to average equity (ytd only) | 10.8713% | 949 |
| Net charge-offs to loans | 0.0456% | 4,956 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 71.5000% | 435 |
| Efficiency ratio | 53.3696% | 7,032 |
| Assets per employee ($millions) | 3.9934% | 3,890 |
| Cash dividends to net income (ytd only)* | 12.1469% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 5,658 |
| Loan loss allowance to noncurrent loans | 196.4630% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 6,590 |
| Noncurrent loans to loans | 0.5955% | 6,119 |
| Net loans and leases to total assets | 58.7486% | 5,314 |
| Net loans and leases to deposits | 71.2277% | 5,163 |
| Net loans and leases to core deposits | 73.3139% | 5,574 |
| Total domestic deposits to total assets | 82.4800% | 4,859 |
| Equity capital to assets | 13.1935% | 1,445 |
| Core capital (leverage) ratio | 12.8991% | 1,247 |
| Tier 1 risk-based capital ratio | 20.5176% | 1,424 |
| Total risk-based capital ratio | 21.6218% | 1,414 |
| Memoranda: | ||
| Average total assets | $88,642,000 | 5,490 |
| Average earning assets | $84,373,500 | 5,350 |
| Average equity | $11,443,000 | 4,858 |
| Average total loans | $52,595,500 | 5,555 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2652% | 5,346 |
| Cost of funding earning assets | 1.3229% | 6,226 |
| Net interest margin | 3.9423% | 3,109 |
| Noninterest income to average assets | 0.8032% | 2,391 |
| Noninterest expense to average assets | 2.7409% | 5,194 |
| Loan and lease loss provision to assets | 0.1204% | 6,437 |
| Net operating income to assets | 1.0589% | 1,631 |
| Return on assets (ROA) | 1.2886% | 1,105 |
| Pretax return on assets | 1.9413% | 461 |
| Return on Equity (ROE) | 9.6360% | 1,801 |
| Retained earnings to average equity (ytd only) | 6.4300% | 1,178 |
| Net charge-offs to loans | 0.0115% | 7,069 |
| Credit loss provision to net charge-offs | 1,666.6667% | 192 |
| Earnings coverage of net charge-offs (x) | 252.8333% | 108 |
| Efficiency ratio | 60.0053% | 6,494 |
| Assets per employee ($millions) | 4.0650% | 3,682 |
| Cash dividends to net income (ytd only)* | 33.2710% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 5,559 |
| Loan loss allowance to noncurrent loans | 7,712.5000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 7,511 |
| Noncurrent loans to loans | 0.0151% | 7,399 |
| Net loans and leases to total assets | 58.5374% | 5,566 |
| Net loans and leases to deposits | 72.3256% | 5,280 |
| Net loans and leases to core deposits | 80.0630% | 6,095 |
| Total domestic deposits to total assets | 80.9359% | 5,362 |
| Equity capital to assets | 12.6300% | 1,681 |
| Core capital (leverage) ratio | 12.6469% | 1,381 |
| Tier 1 risk-based capital ratio | 19.9408% | 1,473 |
| Total risk-based capital ratio | 21.0550% | 1,455 |
| Memoranda: | ||
| Average total assets | $83,038,800 | 5,632 |
| Average earning assets | $79,294,800 | 5,481 |
| Average equity | $11,104,200 | 4,994 |
| Average total loans | $52,325,200 | 5,575 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 5,220 |
| Cost of funding earning assets | 1.3724% | 6,326 |
| Net interest margin | 3.9682% | 2,947 |
| Noninterest income to average assets | 0.8497% | 2,204 |
| Noninterest expense to average assets | 2.6096% | 5,681 |
| Loan and lease loss provision to assets | 0.0409% | 6,956 |
| Net operating income to assets | 1.5125% | 789 |
| Return on assets (ROA) | 1.8270% | 441 |
| Pretax return on assets | 2.3100% | 283 |
| Return on Equity (ROE) | 13.4578% | 1,021 |
| Retained earnings to average equity (ytd only) | 9.6230% | 701 |
| Net charge-offs to loans | 0.0205% | 6,616 |
| Credit loss provision to net charge-offs | 312.5000% | 1,318 |
| Earnings coverage of net charge-offs (x) | 155.0731% | 244 |
| Efficiency ratio | 56.2257% | 6,966 |
| Assets per employee ($millions) | 3.8550% | 4,066 |
| Cash dividends to net income (ytd only)* | 28.4947% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 6,107 |
| Loan loss allowance to noncurrent loans | 2,571.4286% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 7,529 |
| Noncurrent loans to loans | 0.0401% | 7,414 |
| Net loans and leases to total assets | 61.1713% | 5,392 |
| Net loans and leases to deposits | 75.9445% | 5,056 |
| Net loans and leases to core deposits | 83.4379% | 6,080 |
| Total domestic deposits to total assets | 80.5473% | 5,228 |
| Equity capital to assets | 13.5230% | 1,490 |
| Core capital (leverage) ratio | 13.4959% | 1,233 |
| Tier 1 risk-based capital ratio | 20.8915% | 1,381 |
| Total risk-based capital ratio | 21.9055% | 1,383 |
| Memoranda: | ||
| Average total assets | $81,441,000 | 5,714 |
| Average earning assets | $77,815,750 | 5,562 |
| Average equity | $11,056,500 | 5,055 |
| Average total loans | $52,164,750 | 5,630 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4260% | 5,007 |
| Cost of funding earning assets | 1.4002% | 6,479 |
| Net interest margin | 4.0258% | 2,598 |
| Noninterest income to average assets | 0.7968% | 2,427 |
| Noninterest expense to average assets | 2.7117% | 5,342 |
| Loan and lease loss provision to assets | 0.0623% | 6,589 |
| Net operating income to assets | 1.3770% | 1,075 |
| Return on assets (ROA) | 1.8327% | 467 |
| Pretax return on assets | 2.3233% | 288 |
| Return on Equity (ROE) | 13.4811% | 1,078 |
| Retained earnings to average equity (ytd only) | 11.9974% | 443 |
| Net charge-offs to loans | 0.0115% | 6,397 |
| Credit loss provision to net charge-offs | 833.3333% | 566 |
| Earnings coverage of net charge-offs (x) | 258.3333% | 157 |
| Efficiency ratio | 58.4227% | 6,780 |
| Assets per employee ($millions) | 3.5852% | 4,608 |
| Cash dividends to net income (ytd only)* | 11.0054% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 5,822 |
| Loan loss allowance to noncurrent loans | 170.8464% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 6,491 |
| Noncurrent loans to loans | 0.6221% | 6,008 |
| Net loans and leases to total assets | 61.5215% | 5,433 |
| Net loans and leases to deposits | 76.2227% | 5,137 |
| Net loans and leases to core deposits | 83.4581% | 6,125 |
| Total domestic deposits to total assets | 80.7128% | 5,186 |
| Equity capital to assets | 13.5764% | 1,470 |
| Core capital (leverage) ratio | 13.4801% | 1,279 |
| Tier 1 risk-based capital ratio | 20.5370% | 1,477 |
| Total risk-based capital ratio | 21.5560% | 1,477 |
| Memoranda: | ||
| Average total assets | $80,317,670 | 5,788 |
| Average earning assets | $76,705,330 | 5,645 |
| Average equity | $10,919,000 | 5,109 |
| Average total loans | $52,079,670 | 5,673 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4745% | 5,049 |
| Cost of funding earning assets | 1.3976% | 6,738 |
| Net interest margin | 4.0769% | 2,371 |
| Noninterest income to average assets | 0.6461% | 3,224 |
| Noninterest expense to average assets | 2.5187% | 5,768 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5294% | 888 |
| Return on assets (ROA) | 2.4531% | 176 |
| Pretax return on assets | 2.9528% | 134 |
| Return on Equity (ROE) | 18.0317% | 590 |
| Retained earnings to average equity (ytd only) | 16.5476% | 302 |
| Net charge-offs to loans | -0.0152% | 7,374 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3829% | 7,054 |
| Assets per employee ($millions) | 3.6004% | 4,565 |
| Cash dividends to net income (ytd only)* | 8.2305% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 5,912 |
| Loan loss allowance to noncurrent loans | 107.1429% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 5,640 |
| Noncurrent loans to loans | 0.9640% | 5,066 |
| Net loans and leases to total assets | 63.5117% | 5,069 |
| Net loans and leases to deposits | 79.3999% | 4,704 |
| Net loans and leases to core deposits | 87.4798% | 5,786 |
| Total domestic deposits to total assets | 79.9896% | 5,376 |
| Equity capital to assets | 13.9050% | 1,391 |
| Core capital (leverage) ratio | 13.6919% | 1,266 |
| Tier 1 risk-based capital ratio | 21.3727% | 1,394 |
| Total risk-based capital ratio | 22.4142% | 1,392 |
| Memoranda: | ||
| Average total assets | $79,247,000 | 5,854 |
| Average earning assets | $75,842,000 | 5,704 |
| Average equity | $10,781,000 | 5,165 |
| Average total loans | $52,482,000 | 5,693 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9900% | 5,591 |
| Cost of funding earning assets | 1.8315% | 6,927 |
| Net interest margin | 4.1585% | 2,468 |
| Noninterest income to average assets | 0.5997% | 3,846 |
| Noninterest expense to average assets | 2.9072% | 4,425 |
| Loan and lease loss provision to assets | 0.0805% | 6,387 |
| Net operating income to assets | 1.0733% | 2,241 |
| Return on assets (ROA) | 1.0733% | 2,160 |
| Pretax return on assets | 1.5871% | 1,423 |
| Return on Equity (ROE) | 7.7295% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.3382% | 2,419 |
| Net charge-offs to loans | 0.2301% | 3,940 |
| Credit loss provision to net charge-offs | 49.5868% | 6,354 |
| Earnings coverage of net charge-offs (x) | 10.2727% | 2,543 |
| Efficiency ratio | 63.5484% | 5,659 |
| Assets per employee ($millions) | 3.6039% | 4,402 |
| Cash dividends to net income (ytd only)* | 43.8750% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 6,292 |
| Loan loss allowance to noncurrent loans | 52,300.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 7,663 |
| Noncurrent loans to loans | 0.0018% | 7,559 |
| Net loans and leases to total assets | 67.6156% | 4,533 |
| Net loans and leases to deposits | 84.6222% | 4,320 |
| Net loans and leases to core deposits | 91.6722% | 5,668 |
| Total domestic deposits to total assets | 79.9029% | 5,057 |
| Equity capital to assets | 13.3039% | 1,668 |
| Core capital (leverage) ratio | 13.3616% | 1,428 |
| Tier 1 risk-based capital ratio | 20.7119% | 1,503 |
| Total risk-based capital ratio | 21.7608% | 1,497 |
| Memoranda: | ||
| Average total assets | $74,538,000 | 5,895 |
| Average earning assets | $71,252,000 | 5,772 |
| Average equity | $10,350,000 | 5,306 |
| Average total loans | $52,586,600 | 5,600 |