Home > Mount Vernon Bank > Performance and Condition Ratios
Mount Vernon Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5859% | 554 |
| Cost of funding earning assets | 2.0857% | 1,697 |
| Net interest margin | 4.5002% | 622 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 2.7612% | 1,598 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.8243% | 604 |
| Return on assets (ROA) | 1.8264% | 597 |
| Pretax return on assets | 1.8264% | 909 |
| Return on Equity (ROE) | 32.3500% | 86 |
| Retained earnings to average equity (ytd only) | 14.3062% | 500 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 59.7948% | 2,988 |
| Assets per employee ($millions) | 6.4707% | 2,575 |
| Cash dividends to net income (ytd only)* | 55.7783% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 2,678 |
| Loan loss allowance to noncurrent loans | 2,338.5965% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,503 |
| Noncurrent loans to loans | 0.0473% | 3,437 |
| Net loans and leases to total assets | 63.4900% | 2,551 |
| Net loans and leases to deposits | 67.9827% | 2,994 |
| Net loans and leases to core deposits | 74.8707% | 3,021 |
| Total domestic deposits to total assets | 93.3900% | 110 |
| Equity capital to assets | 5.8684% | 4,269 |
| Core capital (leverage) ratio | 9.5724% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $185,718,000 | 3,116 |
| Average earning assets | $173,946,500 | 3,093 |
| Average equity | $10,485,000 | 3,746 |
| Average total loans | $119,084,500 | 3,038 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3944% | 815 |
| Cost of funding earning assets | 2.5338% | 1,093 |
| Net interest margin | 3.8606% | 1,415 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 2.6533% | 1,863 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.3894% | 1,092 |
| Return on assets (ROA) | 1.3894% | 1,090 |
| Pretax return on assets | 1.3894% | 1,538 |
| Return on Equity (ROE) | 26.8400% | 147 |
| Retained earnings to average equity (ytd only) | 18.9760% | 67 |
| Net charge-offs to loans | -0.0221% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 64.5775% | 2,660 |
| Assets per employee ($millions) | 7.0687% | 2,117 |
| Cash dividends to net income (ytd only)* | 29.3069% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 2,593 |
| Loan loss allowance to noncurrent loans | 230.0175% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 1,992 |
| Noncurrent loans to loans | 0.4868% | 1,865 |
| Net loans and leases to total assets | 63.3300% | 2,637 |
| Net loans and leases to deposits | 67.6547% | 3,099 |
| Net loans and leases to core deposits | 73.8457% | 3,161 |
| Total domestic deposits to total assets | 93.6000% | 125 |
| Equity capital to assets | 5.4183% | 4,298 |
| Core capital (leverage) ratio | 9.3057% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $181,735,600 | 3,110 |
| Average earning assets | $169,273,800 | 3,099 |
| Average equity | $9,406,600 | 3,816 |
| Average total loans | $108,366,400 | 3,126 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2767% | 910 |
| Cost of funding earning assets | 2.5632% | 1,049 |
| Net interest margin | 3.7134% | 1,614 |
| Noninterest income to average assets | 0.5600% | 1,638 |
| Noninterest expense to average assets | 2.6089% | 1,932 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.3287% | 1,259 |
| Return on assets (ROA) | 1.3287% | 1,259 |
| Pretax return on assets | 1.3287% | 1,692 |
| Return on Equity (ROE) | 25.9800% | 181 |
| Retained earnings to average equity (ytd only) | 20.6567% | 96 |
| Net charge-offs to loans | -0.0038% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 64.9808% | 2,595 |
| Assets per employee ($millions) | 6.8206% | 2,263 |
| Cash dividends to net income (ytd only)* | 20.4873% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 2,635 |
| Loan loss allowance to noncurrent loans | 233.5155% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 2,021 |
| Noncurrent loans to loans | 0.4805% | 1,880 |
| Net loans and leases to total assets | 61.3500% | 2,803 |
| Net loans and leases to deposits | 75.0816% | 2,607 |
| Net loans and leases to core deposits | 81.8254% | 2,698 |
| Total domestic deposits to total assets | 81.7100% | 3,164 |
| Equity capital to assets | 6.1394% | 4,313 |
| Core capital (leverage) ratio | 9.2527% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $181,223,000 | 3,117 |
| Average earning assets | $168,429,250 | 3,111 |
| Average equity | $9,268,750 | 3,847 |
| Average total loans | $106,032,750 | 3,156 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0954% | 1,036 |
| Cost of funding earning assets | 2.4577% | 1,155 |
| Net interest margin | 3.6377% | 1,718 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.6198% | 1,892 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.3249% | 1,219 |
| Return on assets (ROA) | 1.3249% | 1,231 |
| Pretax return on assets | 1.3249% | 1,634 |
| Return on Equity (ROE) | 27.8000% | 159 |
| Retained earnings to average equity (ytd only) | 19.1858% | 143 |
| Net charge-offs to loans | -0.0058% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.7737% | 2,673 |
| Assets per employee ($millions) | 6.6692% | 2,283 |
| Cash dividends to net income (ytd only)* | 30.9883% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,273 |
| Loan loss allowance to noncurrent loans | 172.1467% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 1,625 |
| Noncurrent loans to loans | 0.6940% | 1,338 |
| Net loans and leases to total assets | 56.1200% | 3,254 |
| Net loans and leases to deposits | 71.9708% | 2,836 |
| Net loans and leases to core deposits | 78.4101% | 2,893 |
| Total domestic deposits to total assets | 77.9700% | 3,705 |
| Equity capital to assets | 4.8496% | 4,386 |
| Core capital (leverage) ratio | 9.0077% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $180,245,333 | 3,129 |
| Average earning assets | $168,126,000 | 3,122 |
| Average equity | $8,589,667 | 3,910 |
| Average total loans | $103,292,000 | 3,179 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8405% | 1,270 |
| Cost of funding earning assets | 2.2803% | 1,382 |
| Net interest margin | 3.5601% | 1,787 |
| Noninterest income to average assets | 0.9000% | 673 |
| Noninterest expense to average assets | 2.6418% | 1,840 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 1.3989% | 1,060 |
| Return on assets (ROA) | 1.3989% | 1,063 |
| Pretax return on assets | 1.3989% | 1,435 |
| Return on Equity (ROE) | 29.6300% | 149 |
| Retained earnings to average equity (ytd only) | 11.9189% | 751 |
| Net charge-offs to loans | -0.0118% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.7483% | 2,944 |
| Assets per employee ($millions) | 6.1775% | 2,699 |
| Cash dividends to net income (ytd only)* | 59.7738% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,196 |
| Loan loss allowance to noncurrent loans | 209.3645% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 1,810 |
| Noncurrent loans to loans | 0.5815% | 1,481 |
| Net loans and leases to total assets | 54.8200% | 3,284 |
| Net loans and leases to deposits | 69.7752% | 2,910 |
| Net loans and leases to core deposits | 75.4288% | 3,015 |
| Total domestic deposits to total assets | 78.5600% | 3,728 |
| Equity capital to assets | 4.4635% | 4,442 |
| Core capital (leverage) ratio | 9.3574% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $176,999,500 | 3,161 |
| Average earning assets | $164,713,000 | 3,152 |
| Average equity | $8,356,500 | 3,956 |
| Average total loans | $101,910,500 | 3,201 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 1,670 |
| Cost of funding earning assets | 1.4354% | 2,127 |
| Net interest margin | 3.7603% | 1,626 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.6594% | 1,849 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.2182% | 1,609 |
| Return on assets (ROA) | 1.2036% | 1,616 |
| Pretax return on assets | 1.2036% | 2,130 |
| Return on Equity (ROE) | 27.9000% | 216 |
| Retained earnings to average equity (ytd only) | 7.5152% | 1,697 |
| Net charge-offs to loans | -0.0176% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.8915% | 2,244 |
| Assets per employee ($millions) | 6.0241% | 2,800 |
| Cash dividends to net income (ytd only)* | 73.0633% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 2,491 |
| Loan loss allowance to noncurrent loans | 223.6190% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 1,700 |
| Noncurrent loans to loans | 0.5199% | 1,491 |
| Net loans and leases to total assets | 59.1700% | 2,927 |
| Net loans and leases to deposits | 72.2284% | 2,740 |
| Net loans and leases to core deposits | 77.6224% | 2,872 |
| Total domestic deposits to total assets | 81.9200% | 3,140 |
| Equity capital to assets | 5.0043% | 4,414 |
| Core capital (leverage) ratio | 9.5635% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $164,095,000 | 3,240 |
| Average earning assets | $152,220,200 | 3,232 |
| Average equity | $7,079,000 | 4,043 |
| Average total loans | $91,054,600 | 3,277 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 1,891 |
| Cost of funding earning assets | 1.2164% | 2,376 |
| Net interest margin | 3.7558% | 1,680 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.6633% | 1,753 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2723% | 1,603 |
| Return on assets (ROA) | 1.2527% | 1,638 |
| Pretax return on assets | 1.2527% | 2,163 |
| Return on Equity (ROE) | 30.2900% | 217 |
| Retained earnings to average equity (ytd only) | 8.8840% | 1,717 |
| Net charge-offs to loans | -0.0241% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.8927% | 2,160 |
| Assets per employee ($millions) | 6.0733% | 2,687 |
| Cash dividends to net income (ytd only)* | 70.6728% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 2,947 |
| Loan loss allowance to noncurrent loans | 298.6034% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,207 |
| Noncurrent loans to loans | 0.3628% | 1,930 |
| Net loans and leases to total assets | 57.4100% | 3,084 |
| Net loans and leases to deposits | 68.4896% | 2,944 |
| Net loans and leases to core deposits | 72.5440% | 3,076 |
| Total domestic deposits to total assets | 83.8200% | 2,829 |
| Equity capital to assets | 3.4595% | 4,460 |
| Core capital (leverage) ratio | 9.6855% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $162,950,000 | 3,258 |
| Average earning assets | $151,372,000 | 3,253 |
| Average equity | $6,738,500 | 4,074 |
| Average total loans | $88,574,000 | 3,307 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7292% | 2,151 |
| Cost of funding earning assets | 0.9163% | 2,874 |
| Net interest margin | 3.8129% | 1,598 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.6678% | 1,729 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3376% | 1,480 |
| Return on assets (ROA) | 1.3077% | 1,539 |
| Pretax return on assets | 1.3077% | 2,064 |
| Return on Equity (ROE) | 29.9000% | 210 |
| Retained earnings to average equity (ytd only) | 9.3399% | 1,597 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.1724% | 2,215 |
| Assets per employee ($millions) | 6.6519% | 2,170 |
| Cash dividends to net income (ytd only)* | 68.7619% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 2,954 |
| Loan loss allowance to noncurrent loans | 299.4118% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 2,169 |
| Noncurrent loans to loans | 0.3677% | 1,826 |
| Net loans and leases to total assets | 54.9900% | 3,192 |
| Net loans and leases to deposits | 66.1265% | 3,051 |
| Net loans and leases to core deposits | 69.5261% | 3,156 |
| Total domestic deposits to total assets | 83.1600% | 3,007 |
| Equity capital to assets | 4.2514% | 4,480 |
| Core capital (leverage) ratio | 10.0924% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $160,582,333 | 3,290 |
| Average earning assets | $149,074,333 | 3,279 |
| Average equity | $7,023,667 | 4,074 |
| Average total loans | $85,202,000 | 3,364 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 2,520 |
| Cost of funding earning assets | 0.4893% | 3,732 |
| Net interest margin | 3.9254% | 1,418 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.7085% | 1,646 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.4177% | 1,358 |
| Return on assets (ROA) | 1.3644% | 1,470 |
| Pretax return on assets | 1.3644% | 1,975 |
| Return on Equity (ROE) | 30.7400% | 219 |
| Retained earnings to average equity (ytd only) | 10.1136% | 1,668 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.4011% | 2,284 |
| Assets per employee ($millions) | 6.4149% | 2,393 |
| Cash dividends to net income (ytd only)* | 67.1004% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,596 |
| Loan loss allowance to noncurrent loans | 275.5495% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 1,984 |
| Noncurrent loans to loans | 0.4325% | 1,635 |
| Net loans and leases to total assets | 51.8600% | 3,353 |
| Net loans and leases to deposits | 58.4738% | 3,426 |
| Net loans and leases to core deposits | 61.1211% | 3,496 |
| Total domestic deposits to total assets | 88.6800% | 1,666 |
| Equity capital to assets | 4.6018% | 4,476 |
| Core capital (leverage) ratio | 10.5201% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $157,725,000 | 3,355 |
| Average earning assets | $146,330,000 | 3,346 |
| Average equity | $7,000,500 | 4,126 |
| Average total loans | $81,570,500 | 3,431 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 1,957 |
| Cost of funding earning assets | 0.3071% | 2,820 |
| Net interest margin | 3.6054% | 1,629 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.5583% | 1,945 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2207% | 1,698 |
| Return on assets (ROA) | 1.2278% | 1,620 |
| Pretax return on assets | 1.2278% | 2,345 |
| Return on Equity (ROE) | 19.2200% | 545 |
| Retained earnings to average equity (ytd only) | -14.3956% | 4,671 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.4235% | 2,032 |
| Assets per employee ($millions) | 5.5385% | 3,174 |
| Cash dividends to net income (ytd only)* | 174.8960% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,082 |
| Loan loss allowance to noncurrent loans | 4,154.1667% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,702 |
| Noncurrent loans to loans | 0.0304% | 3,569 |
| Net loans and leases to total assets | 50.2800% | 3,484 |
| Net loans and leases to deposits | 52.7702% | 3,746 |
| Net loans and leases to core deposits | 54.7521% | 3,779 |
| Total domestic deposits to total assets | 95.2900% | 120 |
| Equity capital to assets | 4.2695% | 4,490 |
| Core capital (leverage) ratio | 10.1336% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $156,708,200 | 3,376 |
| Average earning assets | $145,253,200 | 3,375 |
| Average equity | $10,010,000 | 3,871 |
| Average total loans | $75,703,000 | 3,479 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7147% | 1,999 |
| Cost of funding earning assets | 0.3073% | 2,089 |
| Net interest margin | 3.4074% | 1,950 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.5093% | 1,993 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0989% | 2,104 |
| Return on assets (ROA) | 1.1083% | 2,025 |
| Pretax return on assets | 1.1083% | 2,694 |
| Return on Equity (ROE) | 16.0400% | 966 |
| Retained earnings to average equity (ytd only) | -25.2851% | 4,737 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.2506% | 1,856 |
| Assets per employee ($millions) | 7.1233% | 1,862 |
| Cash dividends to net income (ytd only)* | 257.6570% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,101 |
| Loan loss allowance to noncurrent loans | 3,096.8750% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,738 |
| Noncurrent loans to loans | 0.0415% | 3,592 |
| Net loans and leases to total assets | 48.5800% | 3,571 |
| Net loans and leases to deposits | 50.4510% | 3,827 |
| Net loans and leases to core deposits | 52.8426% | 3,817 |
| Total domestic deposits to total assets | 96.2800% | 108 |
| Equity capital to assets | 3.2946% | 4,567 |
| Core capital (leverage) ratio | 9.6053% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $157,115,750 | 3,396 |
| Average earning assets | $145,797,000 | 3,388 |
| Average equity | $10,857,250 | 3,827 |
| Average total loans | $74,884,750 | 3,501 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5817% | 1,899 |
| Cost of funding earning assets | 0.3013% | 1,700 |
| Net interest margin | 3.2803% | 1,966 |
| Noninterest income to average assets | 0.4680% | 2,357 |
| Noninterest expense to average assets | 2.4928% | 1,952 |
| Loan and lease loss provision to assets | 0.0153% | 2,324 |
| Net operating income to assets | 0.9920% | 2,191 |
| Return on assets (ROA) | 1.0060% | 2,102 |
| Pretax return on assets | 1.0060% | 2,706 |
| Return on Equity (ROE) | 12.4027% | 1,547 |
| Retained earnings to average equity (ytd only) | 0.4077% | 4,108 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2209% | 1,804 |
| Assets per employee ($millions) | 6.2579% | 2,514 |
| Cash dividends to net income (ytd only)* | 96.7130% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 2,076 |
| Loan loss allowance to noncurrent loans | 142.3410% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 900 |
| Noncurrent loans to loans | 0.9303% | 902 |
| Net loans and leases to total assets | 46.9188% | 3,635 |
| Net loans and leases to deposits | 49.9976% | 3,809 |
| Net loans and leases to core deposits | 52.4348% | 3,793 |
| Total domestic deposits to total assets | 93.8420% | 310 |
| Equity capital to assets | 5.7949% | 4,272 |
| Core capital (leverage) ratio | 10.8007% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,250,333 | 3,435 |
| Average earning assets | $145,351,667 | 3,443 |
| Average equity | $12,755,333 | 3,705 |
| Average total loans | $74,141,333 | 3,551 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4793% | 1,872 |
| Cost of funding earning assets | 0.3005% | 1,653 |
| Net interest margin | 3.1788% | 1,945 |
| Noninterest income to average assets | 0.4592% | 2,362 |
| Noninterest expense to average assets | 2.4763% | 1,942 |
| Loan and lease loss provision to assets | 0.0152% | 2,077 |
| Net operating income to assets | 0.8931% | 2,303 |
| Return on assets (ROA) | 0.9210% | 2,193 |
| Pretax return on assets | 0.9210% | 2,698 |
| Return on Equity (ROE) | 9.9452% | 1,984 |
| Retained earnings to average equity (ytd only) | -0.5479% | 4,087 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1634% | 1,840 |
| Assets per employee ($millions) | 6.5449% | 2,346 |
| Cash dividends to net income (ytd only)* | 105.5096% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,967 |
| Loan loss allowance to noncurrent loans | 1,882.6923% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 2,390 |
| Noncurrent loans to loans | 0.0736% | 3,481 |
| Net loans and leases to total assets | 44.3572% | 3,713 |
| Net loans and leases to deposits | 48.3925% | 3,844 |
| Net loans and leases to core deposits | 50.6882% | 3,833 |
| Total domestic deposits to total assets | 91.6614% | 716 |
| Equity capital to assets | 8.0069% | 3,563 |
| Core capital (leverage) ratio | 10.7368% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,652,000 | 3,443 |
| Average earning assets | $145,085,500 | 3,462 |
| Average equity | $14,600,000 | 3,595 |
| Average total loans | $74,018,000 | 3,557 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 1,546 |
| Cost of funding earning assets | 0.4138% | 1,445 |
| Net interest margin | 3.5134% | 1,692 |
| Noninterest income to average assets | 0.4780% | 2,684 |
| Noninterest expense to average assets | 2.4854% | 2,225 |
| Loan and lease loss provision to assets | 0.0602% | 1,849 |
| Net operating income to assets | 1.1869% | 1,965 |
| Return on assets (ROA) | 1.2803% | 1,714 |
| Pretax return on assets | 1.2803% | 2,416 |
| Return on Equity (ROE) | 12.3100% | 1,710 |
| Retained earnings to average equity (ytd only) | 5.6815% | 2,488 |
| Net charge-offs to loans | 0.0697% | 1,095 |
| Credit loss provision to net charge-offs | 177.7778% | 1,377 |
| Earnings coverage of net charge-offs (x) | 36.8148% | 1,481 |
| Efficiency ratio | 66.5882% | 2,179 |
| Assets per employee ($millions) | 6.3291% | 2,463 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,583 |
| Loan loss allowance to noncurrent loans | 4,865.0000% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,016 |
| Noncurrent loans to loans | 0.0258% | 3,882 |
| Net loans and leases to total assets | 48.2907% | 3,473 |
| Net loans and leases to deposits | 54.2496% | 3,580 |
| Net loans and leases to core deposits | 57.0434% | 3,547 |
| Total domestic deposits to total assets | 89.0158% | 1,508 |
| Equity capital to assets | 10.5058% | 2,174 |
| Core capital (leverage) ratio | 10.5505% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,410,800 | 3,397 |
| Average earning assets | $147,662,200 | 3,398 |
| Average equity | $16,580,000 | 3,497 |
| Average total loans | $77,478,000 | 3,516 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 1,750 |
| Cost of funding earning assets | 0.4217% | 1,544 |
| Net interest margin | 3.4823% | 1,919 |
| Noninterest income to average assets | 0.4717% | 2,747 |
| Noninterest expense to average assets | 2.5012% | 2,115 |
| Loan and lease loss provision to assets | 0.0150% | 2,696 |
| Net operating income to assets | 1.1955% | 2,185 |
| Return on assets (ROA) | 1.2089% | 2,195 |
| Pretax return on assets | 1.2089% | 2,898 |
| Return on Equity (ROE) | 11.6518% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.0212% | 3,211 |
| Net charge-offs to loans | -0.0138% | 3,804 |
| Credit loss provision to net charge-offs | -225.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3864% | 1,917 |
| Assets per employee ($millions) | 6.1302% | 2,565 |
| Cash dividends to net income (ytd only)* | 56.9061% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,653 |
| Loan loss allowance to noncurrent loans | 263.6364% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 2,683 |
| Noncurrent loans to loans | 0.4799% | 2,120 |
| Net loans and leases to total assets | 45.1262% | 3,861 |
| Net loans and leases to deposits | 50.5687% | 3,982 |
| Net loans and leases to core deposits | 53.0427% | 3,978 |
| Total domestic deposits to total assets | 89.2373% | 1,156 |
| Equity capital to assets | 10.2081% | 2,701 |
| Core capital (leverage) ratio | 10.3126% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,706,750 | 3,434 |
| Average earning assets | $148,594,750 | 3,428 |
| Average equity | $16,569,250 | 3,544 |
| Average total loans | $77,502,000 | 3,571 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9419% | 1,708 |
| Cost of funding earning assets | 0.4421% | 1,581 |
| Net interest margin | 3.4999% | 1,856 |
| Noninterest income to average assets | 0.5172% | 2,549 |
| Noninterest expense to average assets | 2.5455% | 2,013 |
| Loan and lease loss provision to assets | 0.0152% | 2,645 |
| Net operating income to assets | 1.2081% | 2,163 |
| Return on assets (ROA) | 1.2081% | 2,230 |
| Pretax return on assets | 1.2081% | 2,879 |
| Return on Equity (ROE) | 11.5794% | 2,209 |
| Retained earnings to average equity (ytd only) | 4.8966% | 3,223 |
| Net charge-offs to loans | -0.0205% | 4,006 |
| Credit loss provision to net charge-offs | -150.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5412% | 1,933 |
| Assets per employee ($millions) | 6.0606% | 2,553 |
| Cash dividends to net income (ytd only)* | 57.7125% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,812 |
| Loan loss allowance to noncurrent loans | 207.1895% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 2,519 |
| Noncurrent loans to loans | 0.5899% | 1,926 |
| Net loans and leases to total assets | 46.9667% | 3,829 |
| Net loans and leases to deposits | 52.5868% | 3,960 |
| Net loans and leases to core deposits | 55.1850% | 3,953 |
| Total domestic deposits to total assets | 89.3128% | 1,134 |
| Equity capital to assets | 10.1794% | 2,694 |
| Core capital (leverage) ratio | 10.1596% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,770,333 | 3,452 |
| Average earning assets | $146,577,333 | 3,455 |
| Average equity | $16,460,333 | 3,561 |
| Average total loans | $78,120,000 | 3,578 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7672% | 2,197 |
| Cost of funding earning assets | 0.4765% | 1,547 |
| Net interest margin | 3.2907% | 2,419 |
| Noninterest income to average assets | 0.5658% | 2,347 |
| Noninterest expense to average assets | 2.5808% | 1,929 |
| Loan and lease loss provision to assets | 0.0155% | 2,574 |
| Net operating income to assets | 1.0204% | 2,748 |
| Return on assets (ROA) | 1.0204% | 2,830 |
| Pretax return on assets | 1.0204% | 3,312 |
| Return on Equity (ROE) | 9.6565% | 2,801 |
| Retained earnings to average equity (ytd only) | 2.9336% | 3,803 |
| Net charge-offs to loans | -0.0460% | 4,360 |
| Credit loss provision to net charge-offs | -66.6667% | 2,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3571% | 1,555 |
| Assets per employee ($millions) | 5.8868% | 2,711 |
| Cash dividends to net income (ytd only)* | 69.6203% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,966 |
| Loan loss allowance to noncurrent loans | 197.7035% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 2,633 |
| Noncurrent loans to loans | 0.6038% | 2,061 |
| Net loans and leases to total assets | 49.3186% | 3,684 |
| Net loans and leases to deposits | 55.0156% | 3,867 |
| Net loans and leases to core deposits | 57.5911% | 3,867 |
| Total domestic deposits to total assets | 89.6448% | 1,001 |
| Equity capital to assets | 10.0224% | 2,686 |
| Core capital (leverage) ratio | 10.5092% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,838,000 | 3,480 |
| Average earning assets | $143,555,500 | 3,478 |
| Average equity | $16,362,000 | 3,575 |
| Average total loans | $78,277,500 | 3,601 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 1,697 |
| Cost of funding earning assets | 0.6393% | 2,062 |
| Net interest margin | 3.7189% | 1,735 |
| Noninterest income to average assets | 0.6983% | 1,867 |
| Noninterest expense to average assets | 2.9132% | 1,647 |
| Loan and lease loss provision to assets | 0.0168% | 4,167 |
| Net operating income to assets | 1.1404% | 1,762 |
| Return on assets (ROA) | 1.2317% | 1,552 |
| Pretax return on assets | 1.2317% | 2,215 |
| Return on Equity (ROE) | 10.9752% | 1,635 |
| Retained earnings to average equity (ytd only) | 3.5271% | 3,065 |
| Net charge-offs to loans | 0.0107% | 2,941 |
| Credit loss provision to net charge-offs | 300.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 206.1250% | 459 |
| Efficiency ratio | 71.5690% | 1,740 |
| Assets per employee ($millions) | 5.1977% | 3,161 |
| Cash dividends to net income (ytd only)* | 67.8632% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,913 |
| Loan loss allowance to noncurrent loans | 194.3633% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 2,673 |
| Noncurrent loans to loans | 0.6203% | 2,143 |
| Net loans and leases to total assets | 50.6117% | 3,776 |
| Net loans and leases to deposits | 57.2711% | 3,927 |
| Net loans and leases to core deposits | 60.1398% | 3,937 |
| Total domestic deposits to total assets | 88.3721% | 1,294 |
| Equity capital to assets | 11.1416% | 2,141 |
| Core capital (leverage) ratio | 10.7356% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,491,200 | 3,486 |
| Average earning assets | $129,205,800 | 3,519 |
| Average equity | $15,990,600 | 3,550 |
| Average total loans | $75,041,000 | 3,647 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 1,794 |
| Cost of funding earning assets | 0.6756% | 2,166 |
| Net interest margin | 3.7471% | 1,775 |
| Noninterest income to average assets | 0.5469% | 2,396 |
| Noninterest expense to average assets | 2.9546% | 1,547 |
| Loan and lease loss provision to assets | 0.0171% | 4,116 |
| Net operating income to assets | 0.9504% | 2,521 |
| Return on assets (ROA) | 1.0729% | 2,202 |
| Pretax return on assets | 1.0729% | 2,842 |
| Return on Equity (ROE) | 9.5418% | 2,188 |
| Retained earnings to average equity (ytd only) | -0.5151% | 4,556 |
| Net charge-offs to loans | 0.0107% | 2,723 |
| Credit loss provision to net charge-offs | 300.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 169.8333% | 549 |
| Efficiency ratio | 75.3328% | 1,267 |
| Assets per employee ($millions) | 5.2089% | 3,010 |
| Cash dividends to net income (ytd only)* | 105.3982% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,767 |
| Loan loss allowance to noncurrent loans | 142.6154% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 1,931 |
| Noncurrent loans to loans | 0.8282% | 1,767 |
| Net loans and leases to total assets | 51.3439% | 4,011 |
| Net loans and leases to deposits | 57.7734% | 4,173 |
| Net loans and leases to core deposits | 60.6176% | 4,172 |
| Total domestic deposits to total assets | 88.8712% | 824 |
| Equity capital to assets | 10.5807% | 2,721 |
| Core capital (leverage) ratio | 10.5085% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,431,000 | 3,493 |
| Average earning assets | $126,495,750 | 3,532 |
| Average equity | $15,789,750 | 3,576 |
| Average total loans | $74,496,500 | 3,666 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 1,976 |
| Cost of funding earning assets | 0.7164% | 2,299 |
| Net interest margin | 3.7637% | 1,945 |
| Noninterest income to average assets | 0.5698% | 2,256 |
| Noninterest expense to average assets | 3.0477% | 1,469 |
| Loan and lease loss provision to assets | 0.0175% | 4,015 |
| Net operating income to assets | 0.8664% | 2,817 |
| Return on assets (ROA) | 0.9774% | 2,535 |
| Pretax return on assets | 0.9774% | 3,092 |
| Return on Equity (ROE) | 8.5086% | 2,555 |
| Retained earnings to average equity (ytd only) | -6.6390% | 4,836 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5177% | 1,101 |
| Assets per employee ($millions) | 4.8435% | 3,368 |
| Cash dividends to net income (ytd only)* | 178.0269% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,580 |
| Loan loss allowance to noncurrent loans | 58.3019% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 615 |
| Noncurrent loans to loans | 2.0381% | 653 |
| Net loans and leases to total assets | 53.0529% | 3,954 |
| Net loans and leases to deposits | 59.8449% | 4,127 |
| Net loans and leases to core deposits | 62.9141% | 4,133 |
| Total domestic deposits to total assets | 88.6507% | 886 |
| Equity capital to assets | 10.7698% | 2,515 |
| Core capital (leverage) ratio | 10.6728% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,888,667 | 3,519 |
| Average earning assets | $122,273,000 | 3,575 |
| Average equity | $15,725,333 | 3,580 |
| Average total loans | $73,166,667 | 3,692 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 1,634 |
| Cost of funding earning assets | 0.7726% | 2,530 |
| Net interest margin | 3.9527% | 1,523 |
| Noninterest income to average assets | 0.6512% | 1,827 |
| Noninterest expense to average assets | 3.1625% | 1,503 |
| Loan and lease loss provision to assets | 0.0181% | 3,566 |
| Net operating income to assets | 0.9255% | 2,435 |
| Return on assets (ROA) | 1.1124% | 1,898 |
| Pretax return on assets | 1.1124% | 2,471 |
| Return on Equity (ROE) | 9.3634% | 1,972 |
| Retained earnings to average equity (ytd only) | -5.7348% | 4,568 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0191% | 1,454 |
| Assets per employee ($millions) | 4.3730% | 3,441 |
| Cash dividends to net income (ytd only)* | 161.2466% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,131 |
| Loan loss allowance to noncurrent loans | 56.6769% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 2.0146% | 411 |
| Noncurrent loans to loans | 2.3010% | 549 |
| Net loans and leases to total assets | 51.4156% | 4,153 |
| Net loans and leases to deposits | 58.4462% | 4,271 |
| Net loans and leases to core deposits | 61.6672% | 4,285 |
| Total domestic deposits to total assets | 87.9708% | 1,122 |
| Equity capital to assets | 11.6677% | 2,317 |
| Core capital (leverage) ratio | 11.5670% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,681,000 | 3,556 |
| Average earning assets | $115,971,500 | 3,624 |
| Average equity | $15,763,500 | 3,578 |
| Average total loans | $70,742,500 | 3,749 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 1,954 |
| Cost of funding earning assets | 0.7291% | 3,022 |
| Net interest margin | 4.0999% | 1,543 |
| Noninterest income to average assets | 0.7038% | 1,803 |
| Noninterest expense to average assets | 3.0922% | 1,784 |
| Loan and lease loss provision to assets | 0.0182% | 3,647 |
| Net operating income to assets | 1.3202% | 1,614 |
| Return on assets (ROA) | 1.3703% | 1,522 |
| Pretax return on assets | 1.3703% | 2,266 |
| Return on Equity (ROE) | 12.0683% | 1,485 |
| Retained earnings to average equity (ytd only) | 3.7375% | 3,110 |
| Net charge-offs to loans | 0.0053% | 3,486 |
| Credit loss provision to net charge-offs | 600.0000% | 512 |
| Earnings coverage of net charge-offs (x) | 440.7500% | 212 |
| Efficiency ratio | 69.7910% | 2,200 |
| Assets per employee ($millions) | 4.3267% | 3,466 |
| Cash dividends to net income (ytd only)* | 69.0305% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 1,965 |
| Loan loss allowance to noncurrent loans | 32.7839% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.2458% | 315 |
| Noncurrent loans to loans | 3.9385% | 179 |
| Net loans and leases to total assets | 53.8898% | 4,083 |
| Net loans and leases to deposits | 61.6872% | 4,205 |
| Net loans and leases to core deposits | 64.9004% | 4,242 |
| Total domestic deposits to total assets | 87.3598% | 1,427 |
| Equity capital to assets | 12.1032% | 2,073 |
| Core capital (leverage) ratio | 11.7547% | 1,919 |
| Tier 1 risk-based capital ratio | 19.1212% | 1,487 |
| Total risk-based capital ratio | 20.2566% | 1,485 |
| Memoranda: | ||
| Average total assets | $131,719,600 | 3,544 |
| Average earning assets | $119,734,600 | 3,561 |
| Average equity | $14,956,600 | 3,642 |
| Average total loans | $75,616,200 | 3,671 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 2,110 |
| Cost of funding earning assets | 0.7176% | 3,121 |
| Net interest margin | 4.0850% | 1,658 |
| Noninterest income to average assets | 0.7120% | 1,732 |
| Noninterest expense to average assets | 3.0821% | 1,754 |
| Loan and lease loss provision to assets | 0.0182% | 3,545 |
| Net operating income to assets | 1.3666% | 1,587 |
| Return on assets (ROA) | 1.4231% | 1,459 |
| Pretax return on assets | 1.4231% | 2,213 |
| Return on Equity (ROE) | 12.7387% | 1,375 |
| Retained earnings to average equity (ytd only) | 4.3064% | 3,243 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9998% | 2,261 |
| Assets per employee ($millions) | 4.2284% | 3,577 |
| Cash dividends to net income (ytd only)* | 66.1939% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,206 |
| Loan loss allowance to noncurrent loans | 41.1447% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.7989% | 551 |
| Noncurrent loans to loans | 3.0517% | 314 |
| Net loans and leases to total assets | 54.7761% | 4,112 |
| Net loans and leases to deposits | 62.5779% | 4,258 |
| Net loans and leases to core deposits | 65.7834% | 4,289 |
| Total domestic deposits to total assets | 87.5327% | 1,242 |
| Equity capital to assets | 11.9752% | 2,276 |
| Core capital (leverage) ratio | 11.9201% | 1,907 |
| Tier 1 risk-based capital ratio | 18.9126% | 1,583 |
| Total risk-based capital ratio | 20.0392% | 1,581 |
| Memoranda: | ||
| Average total assets | $132,199,500 | 3,571 |
| Average earning assets | $121,516,250 | 3,581 |
| Average equity | $14,768,250 | 3,689 |
| Average total loans | $76,804,250 | 3,696 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 2,152 |
| Cost of funding earning assets | 0.7044% | 3,146 |
| Net interest margin | 4.0678% | 1,705 |
| Noninterest income to average assets | 0.7196% | 1,633 |
| Noninterest expense to average assets | 3.1319% | 1,657 |
| Loan and lease loss provision to assets | 0.0181% | 3,424 |
| Net operating income to assets | 1.3246% | 1,677 |
| Return on assets (ROA) | 1.3623% | 1,600 |
| Pretax return on assets | 1.3623% | 2,334 |
| Return on Equity (ROE) | 12.4908% | 1,416 |
| Retained earnings to average equity (ytd only) | 3.8731% | 3,309 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9933% | 2,227 |
| Assets per employee ($millions) | 4.3718% | 3,330 |
| Cash dividends to net income (ytd only)* | 68.9922% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,530 |
| Loan loss allowance to noncurrent loans | 32.6965% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.2325% | 371 |
| Noncurrent loans to loans | 3.6679% | 213 |
| Net loans and leases to total assets | 56.9739% | 4,013 |
| Net loans and leases to deposits | 64.7861% | 4,182 |
| Net loans and leases to core deposits | 68.2832% | 4,193 |
| Total domestic deposits to total assets | 87.9416% | 1,128 |
| Equity capital to assets | 11.6200% | 2,506 |
| Core capital (leverage) ratio | 11.6875% | 2,028 |
| Tier 1 risk-based capital ratio | 17.8218% | 1,850 |
| Total risk-based capital ratio | 18.8902% | 1,854 |
| Memoranda: | ||
| Average total assets | $132,573,000 | 3,589 |
| Average earning assets | $122,375,000 | 3,593 |
| Average equity | $14,458,670 | 3,726 |
| Average total loans | $78,168,000 | 3,690 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 2,063 |
| Cost of funding earning assets | 0.7135% | 2,986 |
| Net interest margin | 4.0312% | 1,748 |
| Noninterest income to average assets | 0.6753% | 1,700 |
| Noninterest expense to average assets | 3.0371% | 1,885 |
| Loan and lease loss provision to assets | 0.0180% | 3,206 |
| Net operating income to assets | 1.3505% | 1,526 |
| Return on assets (ROA) | 1.3745% | 1,479 |
| Pretax return on assets | 1.3745% | 2,171 |
| Return on Equity (ROE) | 13.0225% | 1,212 |
| Retained earnings to average equity (ytd only) | 4.1513% | 3,259 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9373% | 2,509 |
| Assets per employee ($millions) | 4.6514% | 2,981 |
| Cash dividends to net income (ytd only)* | 68.1223% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 2,931 |
| Loan loss allowance to noncurrent loans | 30.8879% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 2.3730% | 347 |
| Noncurrent loans to loans | 3.6782% | 235 |
| Net loans and leases to total assets | 58.1251% | 3,874 |
| Net loans and leases to deposits | 65.2956% | 4,106 |
| Net loans and leases to core deposits | 72.9749% | 3,868 |
| Total domestic deposits to total assets | 89.0185% | 851 |
| Equity capital to assets | 10.6657% | 3,190 |
| Core capital (leverage) ratio | 11.1754% | 2,410 |
| Tier 1 risk-based capital ratio | 17.2633% | 2,032 |
| Total risk-based capital ratio | 18.3004% | 2,035 |
| Memoranda: | ||
| Average total assets | $133,283,000 | 3,617 |
| Average earning assets | $123,337,000 | 3,611 |
| Average equity | $14,068,000 | 3,790 |
| Average total loans | $79,437,000 | 3,705 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 2,446 |
| Cost of funding earning assets | 0.5181% | 3,237 |
| Net interest margin | 3.9862% | 2,034 |
| Noninterest income to average assets | 0.6498% | 2,048 |
| Noninterest expense to average assets | 2.8944% | 2,371 |
| Loan and lease loss provision to assets | 0.0181% | 3,795 |
| Net operating income to assets | 1.4216% | 1,359 |
| Return on assets (ROA) | 1.4216% | 1,359 |
| Pretax return on assets | 1.4216% | 2,069 |
| Return on Equity (ROE) | 13.9321% | 1,063 |
| Retained earnings to average equity (ytd only) | 4.9072% | 2,821 |
| Net charge-offs to loans | -0.0053% | 4,367 |
| Credit loss provision to net charge-offs | -600.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7825% | 2,742 |
| Assets per employee ($millions) | 4.2476% | 3,544 |
| Cash dividends to net income (ytd only)* | 64.7775% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 2,952 |
| Loan loss allowance to noncurrent loans | 27.9426% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 2.6573% | 271 |
| Noncurrent loans to loans | 4.0255% | 183 |
| Net loans and leases to total assets | 59.7474% | 3,805 |
| Net loans and leases to deposits | 67.0590% | 4,045 |
| Net loans and leases to core deposits | 79.4805% | 3,463 |
| Total domestic deposits to total assets | 89.0967% | 821 |
| Equity capital to assets | 10.4415% | 3,246 |
| Core capital (leverage) ratio | 11.1667% | 2,381 |
| Tier 1 risk-based capital ratio | 16.9486% | 2,087 |
| Total risk-based capital ratio | 17.9700% | 2,107 |
| Memoranda: | ||
| Average total assets | $132,810,200 | 3,610 |
| Average earning assets | $122,749,800 | 3,603 |
| Average equity | $13,551,400 | 3,807 |
| Average total loans | $75,189,200 | 3,767 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 2,592 |
| Cost of funding earning assets | 0.4849% | 3,295 |
| Net interest margin | 3.9260% | 2,212 |
| Noninterest income to average assets | 0.6361% | 2,138 |
| Noninterest expense to average assets | 2.8360% | 2,512 |
| Loan and lease loss provision to assets | 0.0180% | 3,654 |
| Net operating income to assets | 1.4075% | 1,460 |
| Return on assets (ROA) | 1.4075% | 1,457 |
| Pretax return on assets | 1.4075% | 2,200 |
| Return on Equity (ROE) | 13.8742% | 1,156 |
| Retained earnings to average equity (ytd only) | 7.8308% | 1,732 |
| Net charge-offs to loans | -0.0036% | 4,166 |
| Credit loss provision to net charge-offs | -900.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5491% | 2,777 |
| Assets per employee ($millions) | 4.4192% | 3,244 |
| Cash dividends to net income (ytd only)* | 43.5587% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,132 |
| Loan loss allowance to noncurrent loans | 28.9680% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.4023% | 376 |
| Noncurrent loans to loans | 3.8345% | 232 |
| Net loans and leases to total assets | 57.6427% | 4,076 |
| Net loans and leases to deposits | 64.1492% | 4,322 |
| Net loans and leases to core deposits | 70.5258% | 4,155 |
| Total domestic deposits to total assets | 89.8572% | 556 |
| Equity capital to assets | 9.6953% | 3,918 |
| Core capital (leverage) ratio | 11.5590% | 2,129 |
| Tier 1 risk-based capital ratio | 16.7150% | 2,203 |
| Total risk-based capital ratio | 17.7049% | 2,228 |
| Memoranda: | ||
| Average total assets | $133,093,750 | 3,638 |
| Average earning assets | $122,905,250 | 3,637 |
| Average equity | $13,502,000 | 3,844 |
| Average total loans | $74,094,500 | 3,826 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 2,481 |
| Cost of funding earning assets | 0.4776% | 3,173 |
| Net interest margin | 3.9050% | 2,185 |
| Noninterest income to average assets | 0.6374% | 2,148 |
| Noninterest expense to average assets | 2.8317% | 2,574 |
| Loan and lease loss provision to assets | 0.0182% | 3,533 |
| Net operating income to assets | 1.3855% | 1,489 |
| Return on assets (ROA) | 1.3855% | 1,488 |
| Pretax return on assets | 1.3855% | 2,201 |
| Return on Equity (ROE) | 13.4509% | 1,224 |
| Retained earnings to average equity (ytd only) | 8.9574% | 1,235 |
| Net charge-offs to loans | -0.0028% | 4,000 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8578% | 2,846 |
| Assets per employee ($millions) | 4.3371% | 3,371 |
| Cash dividends to net income (ytd only)* | 33.4064% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,456 |
| Loan loss allowance to noncurrent loans | 22.8928% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 3.1419% | 223 |
| Noncurrent loans to loans | 5.4422% | 111 |
| Net loans and leases to total assets | 53.6100% | 4,369 |
| Net loans and leases to deposits | 60.1355% | 4,522 |
| Net loans and leases to core deposits | 63.1340% | 4,542 |
| Total domestic deposits to total assets | 89.1486% | 870 |
| Equity capital to assets | 10.4272% | 3,186 |
| Core capital (leverage) ratio | 11.4117% | 2,152 |
| Tier 1 risk-based capital ratio | 17.9912% | 1,798 |
| Total risk-based capital ratio | 19.0614% | 1,819 |
| Memoranda: | ||
| Average total assets | $131,793,670 | 3,677 |
| Average earning assets | $121,434,330 | 3,681 |
| Average equity | $13,575,330 | 3,859 |
| Average total loans | $72,174,670 | 3,892 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 2,379 |
| Cost of funding earning assets | 0.4621% | 3,110 |
| Net interest margin | 3.8803% | 2,119 |
| Noninterest income to average assets | 0.6816% | 1,905 |
| Noninterest expense to average assets | 2.7595% | 2,842 |
| Loan and lease loss provision to assets | 0.0181% | 3,297 |
| Net operating income to assets | 1.4747% | 1,130 |
| Return on assets (ROA) | 1.4747% | 1,135 |
| Pretax return on assets | 1.4747% | 1,746 |
| Return on Equity (ROE) | 14.4041% | 928 |
| Retained earnings to average equity (ytd only) | 14.4041% | 376 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8936% | 3,337 |
| Assets per employee ($millions) | 4.8110% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 2,729 |
| Loan loss allowance to noncurrent loans | 104.5509% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 1,955 |
| Noncurrent loans to loans | 1.1604% | 1,566 |
| Net loans and leases to total assets | 52.7682% | 4,384 |
| Net loans and leases to deposits | 58.8674% | 4,547 |
| Net loans and leases to core deposits | 61.5459% | 4,578 |
| Total domestic deposits to total assets | 89.6391% | 817 |
| Equity capital to assets | 10.0759% | 3,528 |
| Core capital (leverage) ratio | 11.2310% | 2,222 |
| Tier 1 risk-based capital ratio | 18.1005% | 1,803 |
| Total risk-based capital ratio | 19.1773% | 1,805 |
| Memoranda: | ||
| Average total assets | $132,634,500 | 3,701 |
| Average earning assets | $122,052,000 | 3,714 |
| Average equity | $13,579,500 | 3,889 |
| Average total loans | $72,945,500 | 3,911 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 2,584 |
| Cost of funding earning assets | 0.4017% | 3,240 |
| Net interest margin | 3.8269% | 2,331 |
| Noninterest income to average assets | 0.6366% | 2,264 |
| Noninterest expense to average assets | 2.8336% | 2,672 |
| Loan and lease loss provision to assets | 0.0182% | 3,935 |
| Net operating income to assets | 1.3156% | 1,185 |
| Return on assets (ROA) | 1.4013% | 1,032 |
| Pretax return on assets | 1.4013% | 1,981 |
| Return on Equity (ROE) | 13.7740% | 794 |
| Retained earnings to average equity (ytd only) | 5.1699% | 2,019 |
| Net charge-offs to loans | -0.0014% | 4,509 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9942% | 2,895 |
| Assets per employee ($millions) | 4.6629% | 2,934 |
| Cash dividends to net income (ytd only)* | 62.4662% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 2,931 |
| Loan loss allowance to noncurrent loans | 127.6878% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 2,141 |
| Noncurrent loans to loans | 0.9184% | 1,943 |
| Net loans and leases to total assets | 55.9646% | 4,192 |
| Net loans and leases to deposits | 62.7829% | 4,386 |
| Net loans and leases to core deposits | 65.6013% | 4,434 |
| Total domestic deposits to total assets | 89.1399% | 938 |
| Equity capital to assets | 10.4059% | 3,260 |
| Core capital (leverage) ratio | 11.0543% | 2,282 |
| Tier 1 risk-based capital ratio | 17.3322% | 1,983 |
| Total risk-based capital ratio | 18.3915% | 1,998 |
| Memoranda: | ||
| Average total assets | $131,951,800 | 3,719 |
| Average earning assets | $121,744,200 | 3,714 |
| Average equity | $13,423,800 | 3,927 |
| Average total loans | $71,048,000 | 3,936 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 2,527 |
| Cost of funding earning assets | 0.3931% | 3,268 |
| Net interest margin | 3.8334% | 2,273 |
| Noninterest income to average assets | 0.6268% | 2,331 |
| Noninterest expense to average assets | 2.7946% | 2,747 |
| Loan and lease loss provision to assets | 0.0181% | 3,781 |
| Net operating income to assets | 1.3525% | 1,195 |
| Return on assets (ROA) | 1.4119% | 1,090 |
| Pretax return on assets | 1.4119% | 2,085 |
| Return on Equity (ROE) | 13.9574% | 840 |
| Retained earnings to average equity (ytd only) | 8.2091% | 1,132 |
| Net charge-offs to loans | -0.0019% | 4,315 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0941% | 3,034 |
| Assets per employee ($millions) | 4.4826% | 3,177 |
| Cash dividends to net income (ytd only)* | 41.1847% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 3,037 |
| Loan loss allowance to noncurrent loans | 155.1351% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 2,555 |
| Noncurrent loans to loans | 0.7614% | 2,453 |
| Net loans and leases to total assets | 55.4114% | 4,284 |
| Net loans and leases to deposits | 62.4043% | 4,489 |
| Net loans and leases to core deposits | 65.2269% | 4,534 |
| Total domestic deposits to total assets | 88.7942% | 977 |
| Equity capital to assets | 10.8112% | 3,053 |
| Core capital (leverage) ratio | 11.1627% | 2,311 |
| Tier 1 risk-based capital ratio | 17.8248% | 1,903 |
| Total risk-based capital ratio | 18.8968% | 1,899 |
| Memoranda: | ||
| Average total assets | $132,299,500 | 3,750 |
| Average earning assets | $122,115,750 | 3,751 |
| Average equity | $13,383,250 | 3,973 |
| Average total loans | $70,326,250 | 3,983 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 2,446 |
| Cost of funding earning assets | 0.4059% | 3,015 |
| Net interest margin | 3.8013% | 2,281 |
| Noninterest income to average assets | 0.6252% | 2,346 |
| Noninterest expense to average assets | 2.7550% | 2,908 |
| Loan and lease loss provision to assets | 0.0180% | 3,605 |
| Net operating income to assets | 1.3572% | 1,155 |
| Return on assets (ROA) | 1.4113% | 1,068 |
| Pretax return on assets | 1.4113% | 1,976 |
| Return on Equity (ROE) | 14.2709% | 778 |
| Retained earnings to average equity (ytd only) | 9.8787% | 612 |
| Net charge-offs to loans | -0.0029% | 4,224 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7031% | 3,228 |
| Assets per employee ($millions) | 4.2713% | 3,488 |
| Cash dividends to net income (ytd only)* | 30.7774% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,844 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 3,635 |
| Noncurrent loans to loans | 0.2457% | 4,148 |
| Net loans and leases to total assets | 53.6554% | 4,427 |
| Net loans and leases to deposits | 60.4755% | 4,591 |
| Net loans and leases to core deposits | 63.2477% | 4,653 |
| Total domestic deposits to total assets | 88.7225% | 1,095 |
| Equity capital to assets | 10.9177% | 2,906 |
| Core capital (leverage) ratio | 10.8962% | 2,510 |
| Tier 1 risk-based capital ratio | 18.1439% | 1,813 |
| Total risk-based capital ratio | 19.2409% | 1,815 |
| Memoranda: | ||
| Average total assets | $133,067,670 | 3,767 |
| Average earning assets | $122,693,670 | 3,756 |
| Average equity | $13,159,670 | 4,015 |
| Average total loans | $69,470,670 | 4,030 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 2,498 |
| Cost of funding earning assets | 0.4064% | 2,932 |
| Net interest margin | 3.7373% | 2,366 |
| Noninterest income to average assets | 0.6198% | 2,320 |
| Noninterest expense to average assets | 2.6975% | 3,151 |
| Loan and lease loss provision to assets | 0.0177% | 3,343 |
| Net operating income to assets | 1.3517% | 1,112 |
| Return on assets (ROA) | 1.4107% | 1,009 |
| Pretax return on assets | 1.4107% | 1,850 |
| Return on Equity (ROE) | 15.0026% | 642 |
| Retained earnings to average equity (ytd only) | 15.0026% | 231 |
| Net charge-offs to loans | -0.0058% | 4,227 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3280% | 3,438 |
| Assets per employee ($millions) | 4.6894% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,953 |
| Loan loss allowance to noncurrent loans | 437.6289% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 3,030 |
| Noncurrent loans to loans | 0.2805% | 4,110 |
| Net loans and leases to total assets | 52.0274% | 4,513 |
| Net loans and leases to deposits | 58.4811% | 4,669 |
| Net loans and leases to core deposits | 61.0848% | 4,715 |
| Total domestic deposits to total assets | 88.9644% | 1,158 |
| Equity capital to assets | 10.0158% | 3,737 |
| Core capital (leverage) ratio | 10.6550% | 2,734 |
| Tier 1 risk-based capital ratio | 17.3606% | 2,080 |
| Total risk-based capital ratio | 18.4157% | 2,080 |
| Memoranda: | ||
| Average total assets | $135,531,500 | 3,763 |
| Average earning assets | $125,008,500 | 3,752 |
| Average equity | $12,744,500 | 4,099 |
| Average total loans | $69,401,500 | 4,067 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 3,068 |
| Cost of funding earning assets | 0.4311% | 2,695 |
| Net interest margin | 3.6076% | 3,048 |
| Noninterest income to average assets | 0.6333% | 2,486 |
| Noninterest expense to average assets | 2.8021% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1316% | 1,766 |
| Return on assets (ROA) | 1.2703% | 1,373 |
| Pretax return on assets | 1.2703% | 2,396 |
| Return on Equity (ROE) | 12.4966% | 1,116 |
| Retained earnings to average equity (ytd only) | -1.7077% | 5,506 |
| Net charge-offs to loans | -0.0536% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2334% | 2,705 |
| Assets per employee ($millions) | 4.6587% | 2,862 |
| Cash dividends to net income (ytd only)* | 113.6650% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,068 |
| Loan loss allowance to noncurrent loans | 445.5026% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 3,375 |
| Noncurrent loans to loans | 0.2714% | 4,179 |
| Net loans and leases to total assets | 49.2262% | 4,816 |
| Net loans and leases to deposits | 54.6679% | 4,981 |
| Net loans and leases to core deposits | 56.9222% | 5,015 |
| Total domestic deposits to total assets | 90.0459% | 614 |
| Equity capital to assets | 8.8279% | 4,986 |
| Core capital (leverage) ratio | 9.9337% | 3,582 |
| Tier 1 risk-based capital ratio | 15.8875% | 2,595 |
| Total risk-based capital ratio | 16.8790% | 2,624 |
| Memoranda: | ||
| Average total assets | $137,681,000 | 3,708 |
| Average earning assets | $125,955,000 | 3,723 |
| Average equity | $13,995,800 | 3,940 |
| Average total loans | $67,144,600 | 4,112 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 2,920 |
| Cost of funding earning assets | 0.4367% | 2,674 |
| Net interest margin | 3.6509% | 2,885 |
| Noninterest income to average assets | 0.6387% | 2,485 |
| Noninterest expense to average assets | 2.8151% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1558% | 1,783 |
| Return on assets (ROA) | 1.3376% | 1,274 |
| Pretax return on assets | 1.3376% | 2,279 |
| Return on Equity (ROE) | 12.7314% | 1,119 |
| Retained earnings to average equity (ytd only) | -3.3771% | 5,672 |
| Net charge-offs to loans | -0.0802% | 5,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8935% | 2,761 |
| Assets per employee ($millions) | 4.7910% | 2,623 |
| Cash dividends to net income (ytd only)* | 126.5265% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 3,087 |
| Loan loss allowance to noncurrent loans | 291.0653% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 3,213 |
| Noncurrent loans to loans | 0.4215% | 3,769 |
| Net loans and leases to total assets | 49.0838% | 4,890 |
| Net loans and leases to deposits | 55.2293% | 5,041 |
| Net loans and leases to core deposits | 57.6754% | 5,072 |
| Total domestic deposits to total assets | 88.8727% | 975 |
| Equity capital to assets | 10.0376% | 4,094 |
| Core capital (leverage) ratio | 9.7104% | 3,926 |
| Tier 1 risk-based capital ratio | 15.5759% | 2,800 |
| Total risk-based capital ratio | 16.5631% | 2,840 |
| Memoranda: | ||
| Average total assets | $137,161,000 | 3,740 |
| Average earning assets | $125,189,750 | 3,752 |
| Average equity | $14,410,250 | 3,922 |
| Average total loans | $66,520,500 | 4,155 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 3,303 |
| Cost of funding earning assets | 0.4324% | 2,717 |
| Net interest margin | 3.5494% | 3,298 |
| Noninterest income to average assets | 0.6224% | 2,497 |
| Noninterest expense to average assets | 2.8235% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0691% | 2,089 |
| Return on assets (ROA) | 1.3151% | 1,326 |
| Pretax return on assets | 1.3151% | 2,347 |
| Return on Equity (ROE) | 12.3309% | 1,203 |
| Retained earnings to average equity (ytd only) | 5.5475% | 2,396 |
| Net charge-offs to loans | -0.1309% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5357% | 2,580 |
| Assets per employee ($millions) | 4.5584% | 2,925 |
| Cash dividends to net income (ytd only)* | 55.0111% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,927 |
| Loan loss allowance to noncurrent loans | 479.6610% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 3,535 |
| Noncurrent loans to loans | 0.2656% | 4,410 |
| Net loans and leases to total assets | 48.1068% | 4,987 |
| Net loans and leases to deposits | 54.6254% | 5,099 |
| Net loans and leases to core deposits | 57.1336% | 5,124 |
| Total domestic deposits to total assets | 88.0667% | 1,397 |
| Equity capital to assets | 10.8664% | 3,211 |
| Core capital (leverage) ratio | 10.3081% | 3,186 |
| Tier 1 risk-based capital ratio | 17.4925% | 2,063 |
| Total risk-based capital ratio | 18.5432% | 2,096 |
| Memoranda: | ||
| Average total assets | $136,568,670 | 3,777 |
| Average earning assets | $125,823,000 | 3,764 |
| Average equity | $14,565,000 | 3,917 |
| Average total loans | $65,679,670 | 4,201 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,143 |
| Cost of funding earning assets | 0.4373% | 2,703 |
| Net interest margin | 3.5848% | 3,144 |
| Noninterest income to average assets | 0.5686% | 2,690 |
| Noninterest expense to average assets | 2.6730% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1870% | 1,599 |
| Return on assets (ROA) | 1.2632% | 1,454 |
| Pretax return on assets | 1.2632% | 2,457 |
| Return on Equity (ROE) | 11.9577% | 1,327 |
| Retained earnings to average equity (ytd only) | 11.9577% | 514 |
| Net charge-offs to loans | -0.1227% | 5,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2483% | 3,257 |
| Assets per employee ($millions) | 4.9185% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 3,075 |
| Loan loss allowance to noncurrent loans | 304.7970% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.6136% | 3,228 |
| Noncurrent loans to loans | 0.4157% | 3,950 |
| Net loans and leases to total assets | 46.7423% | 5,068 |
| Net loans and leases to deposits | 52.9092% | 5,172 |
| Net loans and leases to core deposits | 55.4385% | 5,167 |
| Total domestic deposits to total assets | 88.3444% | 1,439 |
| Equity capital to assets | 10.7037% | 3,253 |
| Core capital (leverage) ratio | 10.5045% | 2,956 |
| Tier 1 risk-based capital ratio | 18.0102% | 1,985 |
| Total risk-based capital ratio | 19.0608% | 1,999 |
| Memoranda: | ||
| Average total assets | $136,477,000 | 3,798 |
| Average earning assets | $125,306,500 | 3,798 |
| Average equity | $14,417,500 | 3,946 |
| Average total loans | $65,201,500 | 4,237 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,415 |
| Cost of funding earning assets | 0.4707% | 2,435 |
| Net interest margin | 3.5028% | 3,509 |
| Noninterest income to average assets | 0.6468% | 2,475 |
| Noninterest expense to average assets | 2.7390% | 3,451 |
| Loan and lease loss provision to assets | 0.0113% | 4,184 |
| Net operating income to assets | 1.0920% | 1,961 |
| Return on assets (ROA) | 1.1258% | 1,881 |
| Pretax return on assets | 1.1258% | 2,939 |
| Return on Equity (ROE) | 10.7221% | 1,722 |
| Retained earnings to average equity (ytd only) | -2.5283% | 5,786 |
| Net charge-offs to loans | -0.0520% | 5,564 |
| Credit loss provision to net charge-offs | -46.8750% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2860% | 3,018 |
| Assets per employee ($millions) | 4.5102% | 3,031 |
| Cash dividends to net income (ytd only)* | 123.5805% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 3,272 |
| Loan loss allowance to noncurrent loans | 256.6879% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 3,152 |
| Noncurrent loans to loans | 0.4816% | 3,755 |
| Net loans and leases to total assets | 47.5947% | 5,052 |
| Net loans and leases to deposits | 53.8269% | 5,170 |
| Net loans and leases to core deposits | 56.5783% | 5,170 |
| Total domestic deposits to total assets | 88.4217% | 1,420 |
| Equity capital to assets | 10.4682% | 3,400 |
| Core capital (leverage) ratio | 10.1247% | 3,359 |
| Tier 1 risk-based capital ratio | 17.8657% | 2,004 |
| Total risk-based capital ratio | 18.9145% | 2,020 |
| Memoranda: | ||
| Average total assets | $132,970,400 | 3,832 |
| Average earning assets | $121,301,400 | 3,856 |
| Average equity | $13,961,800 | 3,984 |
| Average total loans | $61,504,800 | 4,336 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 3,610 |
| Cost of funding earning assets | 0.4726% | 2,472 |
| Net interest margin | 3.4617% | 3,715 |
| Noninterest income to average assets | 0.6486% | 2,492 |
| Noninterest expense to average assets | 2.7102% | 3,524 |
| Loan and lease loss provision to assets | 0.0151% | 3,965 |
| Net operating income to assets | 1.0806% | 2,092 |
| Return on assets (ROA) | 1.1229% | 1,988 |
| Pretax return on assets | 1.1229% | 3,126 |
| Return on Equity (ROE) | 10.6865% | 1,830 |
| Retained earnings to average equity (ytd only) | -3.3162% | 5,955 |
| Net charge-offs to loans | -0.0154% | 5,114 |
| Credit loss provision to net charge-offs | -214.2857% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2093% | 3,012 |
| Assets per employee ($millions) | 4.4134% | 3,154 |
| Cash dividends to net income (ytd only)* | 131.0313% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 3,064 |
| Loan loss allowance to noncurrent loans | 285.0365% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 3,406 |
| Noncurrent loans to loans | 0.4576% | 3,988 |
| Net loans and leases to total assets | 44.6323% | 5,315 |
| Net loans and leases to deposits | 50.5669% | 5,444 |
| Net loans and leases to core deposits | 53.2120% | 5,450 |
| Total domestic deposits to total assets | 88.2638% | 1,417 |
| Equity capital to assets | 10.5716% | 3,519 |
| Core capital (leverage) ratio | 10.4144% | 3,153 |
| Tier 1 risk-based capital ratio | 19.3925% | 1,687 |
| Total risk-based capital ratio | 20.4949% | 1,681 |
| Memoranda: | ||
| Average total assets | $132,386,750 | 3,887 |
| Average earning assets | $120,747,750 | 3,909 |
| Average equity | $13,911,250 | 4,040 |
| Average total loans | $60,580,000 | 4,413 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 3,771 |
| Cost of funding earning assets | 0.4759% | 2,467 |
| Net interest margin | 3.4044% | 3,896 |
| Noninterest income to average assets | 0.6647% | 2,390 |
| Noninterest expense to average assets | 2.6696% | 3,691 |
| Loan and lease loss provision to assets | 0.0227% | 3,679 |
| Net operating income to assets | 1.0742% | 2,038 |
| Return on assets (ROA) | 1.1316% | 1,914 |
| Pretax return on assets | 1.1316% | 3,044 |
| Return on Equity (ROE) | 10.7904% | 1,752 |
| Retained earnings to average equity (ytd only) | -7.4625% | 6,109 |
| Net charge-offs to loans | -0.1019% | 5,801 |
| Credit loss provision to net charge-offs | -48.3871% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8785% | 3,184 |
| Assets per employee ($millions) | 4.9560% | 2,328 |
| Cash dividends to net income (ytd only)* | 169.1589% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 2,916 |
| Loan loss allowance to noncurrent loans | 201.7544% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 3,272 |
| Noncurrent loans to loans | 0.6758% | 3,455 |
| Net loans and leases to total assets | 43.5211% | 5,403 |
| Net loans and leases to deposits | 48.9465% | 5,558 |
| Net loans and leases to core deposits | 51.4516% | 5,559 |
| Total domestic deposits to total assets | 88.9157% | 1,180 |
| Equity capital to assets | 10.0164% | 4,019 |
| Core capital (leverage) ratio | 10.3630% | 3,129 |
| Tier 1 risk-based capital ratio | 21.6634% | 1,254 |
| Total risk-based capital ratio | 22.9139% | 1,239 |
| Memoranda: | ||
| Average total assets | $132,381,670 | 3,919 |
| Average earning assets | $120,610,330 | 3,935 |
| Average equity | $13,882,670 | 4,061 |
| Average total loans | $60,815,000 | 4,438 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,057 |
| Cost of funding earning assets | 0.4741% | 2,512 |
| Net interest margin | 3.5741% | 3,105 |
| Noninterest income to average assets | 0.6866% | 2,221 |
| Noninterest expense to average assets | 2.6977% | 3,598 |
| Loan and lease loss provision to assets | 0.0213% | 3,439 |
| Net operating income to assets | 1.1970% | 1,558 |
| Return on assets (ROA) | 1.2456% | 1,504 |
| Pretax return on assets | 1.2456% | 2,489 |
| Return on Equity (ROE) | 11.6127% | 1,449 |
| Retained earnings to average equity (ytd only) | -13.8786% | 6,212 |
| Net charge-offs to loans | -0.0389% | 5,392 |
| Credit loss provision to net charge-offs | -116.6667% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8906% | 3,680 |
| Assets per employee ($millions) | 4.2850% | 3,401 |
| Cash dividends to net income (ytd only)* | 219.5122% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 3,605 |
| Loan loss allowance to noncurrent loans | 276.7025% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 3,586 |
| Noncurrent loans to loans | 0.4573% | 4,213 |
| Net loans and leases to total assets | 45.3491% | 5,248 |
| Net loans and leases to deposits | 51.2655% | 5,374 |
| Net loans and leases to core deposits | 53.9781% | 5,368 |
| Total domestic deposits to total assets | 88.4593% | 1,562 |
| Equity capital to assets | 10.5109% | 3,518 |
| Core capital (leverage) ratio | 10.5336% | 2,918 |
| Tier 1 risk-based capital ratio | 20.1384% | 1,586 |
| Total risk-based capital ratio | 21.2821% | 1,577 |
| Memoranda: | ||
| Average total assets | $131,667,000 | 3,963 |
| Average earning assets | $118,966,000 | 3,997 |
| Average equity | $14,122,500 | 4,053 |
| Average total loans | $61,702,000 | 4,443 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 2,929 |
| Cost of funding earning assets | 0.5535% | 2,180 |
| Net interest margin | 3.6546% | 3,200 |
| Noninterest income to average assets | 0.6202% | 2,737 |
| Noninterest expense to average assets | 2.6777% | 3,952 |
| Loan and lease loss provision to assets | 0.1422% | 1,869 |
| Net operating income to assets | 1.0737% | 2,076 |
| Return on assets (ROA) | 1.1060% | 2,006 |
| Pretax return on assets | 1.1060% | 3,057 |
| Return on Equity (ROE) | 11.2808% | 1,625 |
| Retained earnings to average equity (ytd only) | 7.4082% | 1,225 |
| Net charge-offs to loans | 0.6093% | 650 |
| Credit loss provision to net charge-offs | 48.3029% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.1305% | 3,730 |
| Efficiency ratio | 68.7722% | 3,755 |
| Assets per employee ($millions) | 4.5000% | 3,040 |
| Cash dividends to net income (ytd only)* | 34.3294% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 3,901 |
| Loan loss allowance to noncurrent loans | 259.9315% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 3,559 |
| Noncurrent loans to loans | 0.4680% | 4,249 |
| Net loans and leases to total assets | 47.2291% | 5,227 |
| Net loans and leases to deposits | 53.6910% | 5,354 |
| Net loans and leases to core deposits | 56.6120% | 5,344 |
| Total domestic deposits to total assets | 87.9648% | 1,793 |
| Equity capital to assets | 10.9448% | 2,953 |
| Core capital (leverage) ratio | 11.0435% | 2,364 |
| Tier 1 risk-based capital ratio | 19.0064% | 1,845 |
| Total risk-based capital ratio | 20.0308% | 1,876 |
| Memoranda: | ||
| Average total assets | $130,109,800 | 3,973 |
| Average earning assets | $116,538,200 | 4,039 |
| Average equity | $12,756,200 | 4,235 |
| Average total loans | $62,859,800 | 4,403 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 3,026 |
| Cost of funding earning assets | 0.5643% | 2,155 |
| Net interest margin | 3.6262% | 3,328 |
| Noninterest income to average assets | 0.6061% | 2,832 |
| Noninterest expense to average assets | 2.6633% | 3,970 |
| Loan and lease loss provision to assets | 0.0359% | 3,689 |
| Net operating income to assets | 1.1558% | 1,842 |
| Return on assets (ROA) | 1.1988% | 1,751 |
| Pretax return on assets | 1.1988% | 2,781 |
| Return on Equity (ROE) | 12.5955% | 1,322 |
| Retained earnings to average equity (ytd only) | 7.2729% | 1,688 |
| Net charge-offs to loans | -0.0064% | 5,340 |
| Credit loss provision to net charge-offs | -1,166.6667% | 5,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0875% | 3,662 |
| Assets per employee ($millions) | 4.0136% | 3,847 |
| Cash dividends to net income (ytd only)* | 42.2583% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 2,386 |
| Loan loss allowance to noncurrent loans | 80.7786% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 1,761 |
| Noncurrent loans to loans | 1.9526% | 1,631 |
| Net loans and leases to total assets | 48.3914% | 5,167 |
| Net loans and leases to deposits | 55.3393% | 5,289 |
| Net loans and leases to core deposits | 58.4153% | 5,304 |
| Total domestic deposits to total assets | 87.4449% | 2,067 |
| Equity capital to assets | 10.6522% | 3,367 |
| Core capital (leverage) ratio | 10.7132% | 2,804 |
| Tier 1 risk-based capital ratio | 18.8137% | 1,954 |
| Total risk-based capital ratio | 20.0123% | 1,934 |
| Memoranda: | ||
| Average total assets | $130,012,250 | 4,006 |
| Average earning assets | $116,483,250 | 4,076 |
| Average equity | $12,374,500 | 4,313 |
| Average total loans | $62,976,500 | 4,429 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 3,117 |
| Cost of funding earning assets | 0.5799% | 2,069 |
| Net interest margin | 3.5772% | 3,454 |
| Noninterest income to average assets | 0.6128% | 2,749 |
| Noninterest expense to average assets | 2.6521% | 4,044 |
| Loan and lease loss provision to assets | 0.0460% | 3,394 |
| Net operating income to assets | 1.1093% | 1,904 |
| Return on assets (ROA) | 1.1736% | 1,744 |
| Pretax return on assets | 1.1736% | 2,785 |
| Return on Equity (ROE) | 12.8319% | 1,224 |
| Retained earnings to average equity (ytd only) | 4.5565% | 3,266 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6579% | 3,714 |
| Assets per employee ($millions) | 4.3055% | 3,265 |
| Cash dividends to net income (ytd only)* | 64.4909% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 2,532 |
| Loan loss allowance to noncurrent loans | 79.4047% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.7381% | 1,875 |
| Noncurrent loans to loans | 1.9926% | 1,691 |
| Net loans and leases to total assets | 47.5311% | 5,213 |
| Net loans and leases to deposits | 53.7695% | 5,377 |
| Net loans and leases to core deposits | 56.5265% | 5,374 |
| Total domestic deposits to total assets | 88.3979% | 1,685 |
| Equity capital to assets | 9.7812% | 4,387 |
| Core capital (leverage) ratio | 10.3657% | 3,121 |
| Tier 1 risk-based capital ratio | 18.6836% | 2,008 |
| Total risk-based capital ratio | 19.8818% | 1,986 |
| Memoranda: | ||
| Average total assets | $130,538,330 | 4,022 |
| Average earning assets | $116,572,330 | 4,097 |
| Average equity | $11,939,000 | 4,405 |
| Average total loans | $62,919,670 | 4,458 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 3,126 |
| Cost of funding earning assets | 0.6019% | 1,952 |
| Net interest margin | 3.5400% | 3,522 |
| Noninterest income to average assets | 0.6127% | 2,661 |
| Noninterest expense to average assets | 2.6276% | 4,188 |
| Loan and lease loss provision to assets | 0.0457% | 3,184 |
| Net operating income to assets | 1.1126% | 1,767 |
| Return on assets (ROA) | 1.1522% | 1,694 |
| Pretax return on assets | 1.1522% | 2,686 |
| Return on Equity (ROE) | 13.0440% | 1,149 |
| Retained earnings to average equity (ytd only) | -4.0029% | 6,062 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4042% | 3,934 |
| Assets per employee ($millions) | 4.4016% | 3,147 |
| Cash dividends to net income (ytd only)* | 130.6878% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 2,980 |
| Loan loss allowance to noncurrent loans | 78.2609% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.7281% | 2,042 |
| Noncurrent loans to loans | 1.9658% | 1,906 |
| Net loans and leases to total assets | 47.1090% | 5,223 |
| Net loans and leases to deposits | 52.7142% | 5,411 |
| Net loans and leases to core deposits | 55.4657% | 5,395 |
| Total domestic deposits to total assets | 89.3668% | 1,434 |
| Equity capital to assets | 8.8437% | 5,282 |
| Core capital (leverage) ratio | 10.0223% | 3,547 |
| Tier 1 risk-based capital ratio | 18.7007% | 2,060 |
| Total risk-based capital ratio | 19.8969% | 2,039 |
| Memoranda: | ||
| Average total assets | $131,224,500 | 4,046 |
| Average earning assets | $117,627,000 | 4,100 |
| Average equity | $11,591,500 | 4,492 |
| Average total loans | $63,189,000 | 4,485 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 4,278 |
| Cost of funding earning assets | 0.6894% | 1,892 |
| Net interest margin | 3.2615% | 4,799 |
| Noninterest income to average assets | 0.4912% | 3,813 |
| Noninterest expense to average assets | 2.4650% | 4,874 |
| Loan and lease loss provision to assets | 0.0731% | 3,658 |
| Net operating income to assets | 0.9584% | 2,520 |
| Return on assets (ROA) | 0.9642% | 2,561 |
| Pretax return on assets | 0.9642% | 3,500 |
| Return on Equity (ROE) | 11.0282% | 1,759 |
| Retained earnings to average equity (ytd only) | 7.2908% | 1,321 |
| Net charge-offs to loans | 0.0883% | 3,967 |
| Credit loss provision to net charge-offs | 175.4386% | 1,303 |
| Earnings coverage of net charge-offs (x) | 24.7544% | 1,351 |
| Efficiency ratio | 70.4997% | 3,757 |
| Assets per employee ($millions) | 4.4966% | 2,905 |
| Cash dividends to net income (ytd only)* | 33.8893% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 3,123 |
| Loan loss allowance to noncurrent loans | 63.5458% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.9394% | 1,863 |
| Noncurrent loans to loans | 2.3829% | 1,608 |
| Net loans and leases to total assets | 47.7316% | 5,319 |
| Net loans and leases to deposits | 53.4500% | 5,515 |
| Net loans and leases to core deposits | 56.4830% | 5,496 |
| Total domestic deposits to total assets | 89.3014% | 1,429 |
| Equity capital to assets | 8.8229% | 5,232 |
| Core capital (leverage) ratio | 10.0112% | 3,559 |
| Tier 1 risk-based capital ratio | 18.4445% | 2,098 |
| Total risk-based capital ratio | 19.6420% | 2,075 |
| Memoranda: | ||
| Average total assets | $136,794,600 | 3,940 |
| Average earning assets | $126,047,600 | 3,925 |
| Average equity | $11,960,200 | 4,447 |
| Average total loans | $64,529,000 | 4,460 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9295% | 4,390 |
| Cost of funding earning assets | 0.7105% | 1,880 |
| Net interest margin | 3.2191% | 4,935 |
| Noninterest income to average assets | 0.6407% | 2,926 |
| Noninterest expense to average assets | 2.5203% | 4,654 |
| Loan and lease loss provision to assets | 0.0867% | 3,327 |
| Net operating income to assets | 1.0019% | 2,368 |
| Return on assets (ROA) | 1.0097% | 2,425 |
| Pretax return on assets | 1.0097% | 3,470 |
| Return on Equity (ROE) | 11.5728% | 1,633 |
| Retained earnings to average equity (ytd only) | 6.6367% | 2,066 |
| Net charge-offs to loans | 0.0123% | 4,893 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 188.3288% | 308 |
| Efficiency ratio | 69.8345% | 3,779 |
| Assets per employee ($millions) | 4.5480% | 2,805 |
| Cash dividends to net income (ytd only)* | 42.6530% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 3,156 |
| Loan loss allowance to noncurrent loans | 62.4296% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.2245% | 1,786 |
| Noncurrent loans to loans | 2.5093% | 1,726 |
| Net loans and leases to total assets | 47.4972% | 5,400 |
| Net loans and leases to deposits | 53.1714% | 5,618 |
| Net loans and leases to core deposits | 56.2777% | 5,600 |
| Total domestic deposits to total assets | 89.3284% | 1,394 |
| Equity capital to assets | 8.7784% | 5,437 |
| Core capital (leverage) ratio | 9.6230% | 4,217 |
| Tier 1 risk-based capital ratio | 18.1063% | 2,281 |
| Total risk-based capital ratio | 19.3039% | 2,266 |
| Memoranda: | ||
| Average total assets | $138,393,250 | 3,944 |
| Average earning assets | $127,612,000 | 3,927 |
| Average equity | $12,074,000 | 4,482 |
| Average total loans | $64,861,500 | 4,492 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 4,395 |
| Cost of funding earning assets | 0.7401% | 1,769 |
| Net interest margin | 3.1816% | 5,005 |
| Noninterest income to average assets | 0.6531% | 2,897 |
| Noninterest expense to average assets | 2.5341% | 4,610 |
| Loan and lease loss provision to assets | 0.0854% | 3,374 |
| Net operating income to assets | 0.9633% | 2,496 |
| Return on assets (ROA) | 0.9747% | 2,589 |
| Pretax return on assets | 0.9747% | 3,618 |
| Return on Equity (ROE) | 11.1934% | 1,749 |
| Retained earnings to average equity (ytd only) | 3.8891% | 3,824 |
| Net charge-offs to loans | 0.0031% | 4,863 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 737.0000% | 53 |
| Efficiency ratio | 70.7307% | 3,688 |
| Assets per employee ($millions) | 4.6190% | 2,622 |
| Cash dividends to net income (ytd only)* | 65.2555% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 3,568 |
| Loan loss allowance to noncurrent loans | 61.3106% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.1289% | 2,023 |
| Noncurrent loans to loans | 2.4542% | 1,905 |
| Net loans and leases to total assets | 45.9627% | 5,536 |
| Net loans and leases to deposits | 51.3186% | 5,746 |
| Net loans and leases to core deposits | 54.1461% | 5,742 |
| Total domestic deposits to total assets | 89.5635% | 1,286 |
| Equity capital to assets | 8.7197% | 5,523 |
| Core capital (leverage) ratio | 8.8884% | 5,163 |
| Tier 1 risk-based capital ratio | 17.4278% | 2,542 |
| Total risk-based capital ratio | 18.6252% | 2,534 |
| Memoranda: | ||
| Average total assets | $140,560,330 | 3,934 |
| Average earning assets | $129,433,330 | 3,917 |
| Average equity | $12,239,330 | 4,480 |
| Average total loans | $65,268,000 | 4,490 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 4,523 |
| Cost of funding earning assets | 0.7966% | 1,547 |
| Net interest margin | 3.0912% | 5,292 |
| Noninterest income to average assets | 0.6838% | 2,682 |
| Noninterest expense to average assets | 2.5488% | 4,574 |
| Loan and lease loss provision to assets | 0.0848% | 3,241 |
| Net operating income to assets | 0.8901% | 2,702 |
| Return on assets (ROA) | 0.9127% | 2,741 |
| Pretax return on assets | 0.9127% | 3,714 |
| Return on Equity (ROE) | 10.4891% | 1,877 |
| Retained earnings to average equity (ytd only) | -4.0593% | 6,284 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3336% | 3,560 |
| Assets per employee ($millions) | 4.8255% | 2,446 |
| Cash dividends to net income (ytd only)* | 138.6997% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 4,036 |
| Loan loss allowance to noncurrent loans | 44.2155% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 2.4391% | 1,893 |
| Noncurrent loans to loans | 3.2657% | 1,490 |
| Net loans and leases to total assets | 44.5077% | 5,607 |
| Net loans and leases to deposits | 49.4980% | 5,822 |
| Net loans and leases to core deposits | 52.5101% | 5,786 |
| Total domestic deposits to total assets | 89.9182% | 1,100 |
| Equity capital to assets | 8.4343% | 6,073 |
| Core capital (leverage) ratio | 8.5605% | 5,496 |
| Tier 1 risk-based capital ratio | 16.6822% | 2,914 |
| Total risk-based capital ratio | 17.8804% | 2,902 |
| Memoranda: | ||
| Average total assets | $141,555,000 | 3,955 |
| Average earning assets | $130,048,000 | 3,938 |
| Average equity | $12,317,500 | 4,512 |
| Average total loans | $65,570,000 | 4,506 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 3,950 |
| Cost of funding earning assets | 1.0562% | 1,090 |
| Net interest margin | 3.3123% | 5,206 |
| Noninterest income to average assets | 0.5910% | 3,329 |
| Noninterest expense to average assets | 2.7265% | 4,297 |
| Loan and lease loss provision to assets | 0.1614% | 3,597 |
| Net operating income to assets | 0.7689% | 3,420 |
| Return on assets (ROA) | 0.8237% | 3,427 |
| Pretax return on assets | 0.8237% | 4,212 |
| Return on Equity (ROE) | 9.1868% | 2,542 |
| Retained earnings to average equity (ytd only) | 6.6829% | 1,727 |
| Net charge-offs to loans | 0.2051% | 3,742 |
| Credit loss provision to net charge-offs | 156.9343% | 1,718 |
| Earnings coverage of net charge-offs (x) | 9.0438% | 2,314 |
| Efficiency ratio | 74.5585% | 2,978 |
| Assets per employee ($millions) | 4.4627% | 3,031 |
| Cash dividends to net income (ytd only)* | 27.2562% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 4,212 |
| Loan loss allowance to noncurrent loans | 48.7727% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.3760% | 2,064 |
| Noncurrent loans to loans | 2.8496% | 1,841 |
| Net loans and leases to total assets | 46.8759% | 5,523 |
| Net loans and leases to deposits | 52.5352% | 5,767 |
| Net loans and leases to core deposits | 56.4669% | 5,678 |
| Total domestic deposits to total assets | 89.2276% | 1,419 |
| Equity capital to assets | 8.9812% | 5,543 |
| Core capital (leverage) ratio | 9.2594% | 4,489 |
| Tier 1 risk-based capital ratio | 16.9685% | 2,671 |
| Total risk-based capital ratio | 18.1652% | 2,653 |
| Memoranda: | ||
| Average total assets | $133,172,000 | 4,080 |
| Average earning assets | $123,267,600 | 4,034 |
| Average equity | $11,941,000 | 4,581 |
| Average total loans | $66,810,600 | 4,468 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 3,791 |
| Cost of funding earning assets | 1.1045% | 1,048 |
| Net interest margin | 3.3529% | 5,206 |
| Noninterest income to average assets | 0.5874% | 3,365 |
| Noninterest expense to average assets | 2.7196% | 4,290 |
| Loan and lease loss provision to assets | 0.1567% | 3,559 |
| Net operating income to assets | 0.8108% | 3,397 |
| Return on assets (ROA) | 0.8108% | 3,635 |
| Pretax return on assets | 0.8108% | 4,441 |
| Return on Equity (ROE) | 9.0466% | 2,780 |
| Retained earnings to average equity (ytd only) | 5.6739% | 2,911 |
| Net charge-offs to loans | 0.2445% | 3,253 |
| Credit loss provision to net charge-offs | 126.0163% | 2,284 |
| Earnings coverage of net charge-offs (x) | 7.7803% | 2,551 |
| Efficiency ratio | 73.7593% | 3,029 |
| Assets per employee ($millions) | 4.2109% | 3,449 |
| Cash dividends to net income (ytd only)* | 37.2820% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 5,094 |
| Loan loss allowance to noncurrent loans | 73.1255% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.6690% | 3,077 |
| Noncurrent loans to loans | 1.6950% | 3,248 |
| Net loans and leases to total assets | 51.3254% | 5,138 |
| Net loans and leases to deposits | 57.6007% | 5,467 |
| Net loans and leases to core deposits | 62.3406% | 5,325 |
| Total domestic deposits to total assets | 89.1056% | 1,369 |
| Equity capital to assets | 9.0435% | 5,786 |
| Core capital (leverage) ratio | 9.1322% | 4,863 |
| Tier 1 risk-based capital ratio | 15.0868% | 3,788 |
| Total risk-based capital ratio | 16.1808% | 3,853 |
| Memoranda: | ||
| Average total assets | $131,879,000 | 4,136 |
| Average earning assets | $121,920,000 | 4,108 |
| Average equity | $11,820,000 | 4,649 |
| Average total loans | $67,072,250 | 4,501 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 3,830 |
| Cost of funding earning assets | 1.1453% | 1,049 |
| Net interest margin | 3.3389% | 5,312 |
| Noninterest income to average assets | 0.6370% | 3,023 |
| Noninterest expense to average assets | 2.7344% | 4,268 |
| Loan and lease loss provision to assets | 0.1680% | 3,426 |
| Net operating income to assets | 0.8387% | 3,203 |
| Return on assets (ROA) | 0.8387% | 3,467 |
| Pretax return on assets | 0.8387% | 4,317 |
| Return on Equity (ROE) | 9.3862% | 2,621 |
| Retained earnings to average equity (ytd only) | 4.2742% | 3,764 |
| Net charge-offs to loans | 0.3722% | 2,531 |
| Credit loss provision to net charge-offs | 89.4309% | 3,068 |
| Earnings coverage of net charge-offs (x) | 5.3577% | 2,853 |
| Efficiency ratio | 73.0911% | 3,228 |
| Assets per employee ($millions) | 4.4527% | 2,993 |
| Cash dividends to net income (ytd only)* | 54.4627% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 5,367 |
| Loan loss allowance to noncurrent loans | 73.7455% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.8034% | 3,031 |
| Noncurrent loans to loans | 1.6231% | 3,474 |
| Net loans and leases to total assets | 50.8575% | 5,244 |
| Net loans and leases to deposits | 56.9942% | 5,552 |
| Net loans and leases to core deposits | 61.7594% | 5,412 |
| Total domestic deposits to total assets | 89.2328% | 1,367 |
| Equity capital to assets | 8.9691% | 5,730 |
| Core capital (leverage) ratio | 8.9929% | 4,930 |
| Tier 1 risk-based capital ratio | 15.5071% | 3,434 |
| Total risk-based capital ratio | 16.5963% | 3,502 |
| Memoranda: | ||
| Average total assets | $130,922,670 | 4,187 |
| Average earning assets | $121,716,000 | 4,130 |
| Average equity | $11,698,000 | 4,676 |
| Average total loans | $66,087,000 | 4,560 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 4,015 |
| Cost of funding earning assets | 1.1795% | 1,068 |
| Net interest margin | 3.2966% | 5,493 |
| Noninterest income to average assets | 0.6605% | 2,863 |
| Noninterest expense to average assets | 2.7532% | 4,225 |
| Loan and lease loss provision to assets | 0.1080% | 4,002 |
| Net operating income to assets | 0.8704% | 3,049 |
| Return on assets (ROA) | 0.8704% | 3,274 |
| Pretax return on assets | 0.8704% | 4,150 |
| Return on Equity (ROE) | 9.7607% | 2,487 |
| Retained earnings to average equity (ytd only) | -0.5884% | 6,088 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7800% | 3,130 |
| Assets per employee ($millions) | 4.3902% | 3,207 |
| Cash dividends to net income (ytd only)* | 106.0284% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,966 |
| Loan loss allowance to noncurrent loans | 73.8762% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.4654% | 3,664 |
| Noncurrent loans to loans | 1.7767% | 3,443 |
| Net loans and leases to total assets | 49.7236% | 5,344 |
| Net loans and leases to deposits | 55.6094% | 5,647 |
| Net loans and leases to core deposits | 59.7642% | 5,552 |
| Total domestic deposits to total assets | 89.4158% | 1,416 |
| Equity capital to assets | 8.7536% | 5,801 |
| Core capital (leverage) ratio | 8.8585% | 5,051 |
| Tier 1 risk-based capital ratio | 15.7098% | 3,334 |
| Total risk-based capital ratio | 16.9047% | 3,331 |
| Memoranda: | ||
| Average total assets | $129,593,500 | 4,241 |
| Average earning assets | $120,732,000 | 4,182 |
| Average equity | $11,556,500 | 4,712 |
| Average total loans | $64,751,000 | 4,629 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 3,999 |
| Cost of funding earning assets | 1.4333% | 911 |
| Net interest margin | 3.3240% | 5,742 |
| Noninterest income to average assets | 0.6309% | 3,000 |
| Noninterest expense to average assets | 2.8556% | 4,146 |
| Loan and lease loss provision to assets | 0.2225% | 3,974 |
| Net operating income to assets | 0.6189% | 3,893 |
| Return on assets (ROA) | 0.6515% | 3,929 |
| Pretax return on assets | 0.6515% | 4,505 |
| Return on Equity (ROE) | 7.3823% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.3823% | 1,326 |
| Net charge-offs to loans | 0.3597% | 3,606 |
| Credit loss provision to net charge-offs | 122.2707% | 2,588 |
| Earnings coverage of net charge-offs (x) | 4.6245% | 3,043 |
| Efficiency ratio | 77.2405% | 2,705 |
| Assets per employee ($millions) | 3.9838% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 4,790 |
| Loan loss allowance to noncurrent loans | 77.1218% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 3,801 |
| Noncurrent loans to loans | 1.7168% | 3,584 |
| Net loans and leases to total assets | 48.8747% | 5,732 |
| Net loans and leases to deposits | 54.9218% | 5,986 |
| Net loans and leases to core deposits | 60.0453% | 5,845 |
| Total domestic deposits to total assets | 88.9897% | 1,538 |
| Equity capital to assets | 9.0868% | 5,434 |
| Core capital (leverage) ratio | 9.2500% | 4,389 |
| Tier 1 risk-based capital ratio | 16.5703% | 2,790 |
| Total risk-based capital ratio | 17.7639% | 2,782 |
| Memoranda: | ||
| Average total assets | $125,860,000 | 4,252 |
| Average earning assets | $116,095,600 | 4,235 |
| Average equity | $11,107,600 | 4,755 |
| Average total loans | $63,657,800 | 4,722 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 3,711 |
| Cost of funding earning assets | 1.5159% | 811 |
| Net interest margin | 3.3483% | 5,726 |
| Noninterest income to average assets | 0.6398% | 2,940 |
| Noninterest expense to average assets | 2.8705% | 4,056 |
| Loan and lease loss provision to assets | 0.2816% | 3,271 |
| Net operating income to assets | 0.5675% | 4,236 |
| Return on assets (ROA) | 0.6217% | 4,178 |
| Pretax return on assets | 0.6217% | 4,737 |
| Return on Equity (ROE) | 7.0981% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.0981% | 1,918 |
| Net charge-offs to loans | 0.0063% | 6,086 |
| Credit loss provision to net charge-offs | 8,833.3333% | 29 |
| Earnings coverage of net charge-offs (x) | 266.3275% | 148 |
| Efficiency ratio | 77.1714% | 2,655 |
| Assets per employee ($millions) | 3.8951% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 3,342 |
| Loan loss allowance to noncurrent loans | 83.1612% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 2.5954% | 2,487 |
| Noncurrent loans to loans | 2.0202% | 3,340 |
| Net loans and leases to total assets | 49.1600% | 5,815 |
| Net loans and leases to deposits | 55.3419% | 6,091 |
| Net loans and leases to core deposits | 59.8531% | 6,004 |
| Total domestic deposits to total assets | 88.8296% | 1,533 |
| Equity capital to assets | 9.1622% | 5,568 |
| Core capital (leverage) ratio | 9.0907% | 4,797 |
| Tier 1 risk-based capital ratio | 16.1106% | 3,058 |
| Total risk-based capital ratio | 17.3083% | 3,050 |
| Memoranda: | ||
| Average total assets | $125,454,750 | 4,288 |
| Average earning assets | $115,399,750 | 4,268 |
| Average equity | $10,988,500 | 4,808 |
| Average total loans | $63,786,750 | 4,765 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9662% | 3,326 |
| Cost of funding earning assets | 1.5428% | 858 |
| Net interest margin | 3.4234% | 5,467 |
| Noninterest income to average assets | 0.6347% | 2,926 |
| Noninterest expense to average assets | 2.7934% | 4,446 |
| Loan and lease loss provision to assets | 0.0795% | 5,317 |
| Net operating income to assets | 0.9211% | 2,553 |
| Return on assets (ROA) | 0.8924% | 2,781 |
| Pretax return on assets | 0.8924% | 3,642 |
| Return on Equity (ROE) | 10.3461% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.3461% | 778 |
| Net charge-offs to loans | -0.0031% | 6,549 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6268% | 3,435 |
| Assets per employee ($millions) | 3.7860% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,852 |
| Loan loss allowance to noncurrent loans | 94.8922% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.6240% | 3,753 |
| Noncurrent loans to loans | 1.4192% | 4,292 |
| Net loans and leases to total assets | 49.0175% | 5,945 |
| Net loans and leases to deposits | 55.1646% | 6,210 |
| Net loans and leases to core deposits | 60.7339% | 6,029 |
| Total domestic deposits to total assets | 88.8568% | 1,628 |
| Equity capital to assets | 9.1270% | 5,385 |
| Core capital (leverage) ratio | 9.1763% | 4,445 |
| Tier 1 risk-based capital ratio | 16.2971% | 2,832 |
| Total risk-based capital ratio | 17.5126% | 2,819 |
| Memoranda: | ||
| Average total assets | $125,725,670 | 4,310 |
| Average earning assets | $116,024,330 | 4,277 |
| Average equity | $10,844,670 | 4,840 |
| Average total loans | $64,275,330 | 4,779 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 3,053 |
| Cost of funding earning assets | 1.5873% | 856 |
| Net interest margin | 3.4250% | 5,322 |
| Noninterest income to average assets | 0.6089% | 3,101 |
| Noninterest expense to average assets | 2.7117% | 4,787 |
| Loan and lease loss provision to assets | 0.1110% | 4,626 |
| Net operating income to assets | 0.9546% | 2,339 |
| Return on assets (ROA) | 0.8341% | 2,921 |
| Pretax return on assets | 0.8341% | 3,770 |
| Return on Equity (ROE) | 9.9569% | 2,115 |
| Retained earnings to average equity (ytd only) | 9.9569% | 1,124 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7884% | 3,915 |
| Assets per employee ($millions) | 3.7048% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 5,167 |
| Loan loss allowance to noncurrent loans | 58.1560% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.6449% | 3,786 |
| Noncurrent loans to loans | 2.2228% | 3,291 |
| Net loans and leases to total assets | 51.2142% | 5,686 |
| Net loans and leases to deposits | 57.4704% | 5,979 |
| Net loans and leases to core deposits | 63.5979% | 5,774 |
| Total domestic deposits to total assets | 89.1141% | 1,699 |
| Equity capital to assets | 8.8296% | 5,449 |
| Core capital (leverage) ratio | 8.6552% | 5,160 |
| Tier 1 risk-based capital ratio | 15.1486% | 3,344 |
| Total risk-based capital ratio | 16.2871% | 3,364 |
| Memoranda: | ||
| Average total assets | $126,120,000 | 4,332 |
| Average earning assets | $116,673,000 | 4,282 |
| Average equity | $10,565,500 | 4,904 |
| Average total loans | $65,374,500 | 4,793 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7089% | 1,537 |
| Cost of funding earning assets | 2.2458% | 263 |
| Net interest margin | 3.4632% | 5,387 |
| Noninterest income to average assets | 0.6933% | 2,880 |
| Noninterest expense to average assets | 2.7725% | 4,697 |
| Loan and lease loss provision to assets | 0.0989% | 6,154 |
| Net operating income to assets | 0.9341% | 2,263 |
| Return on assets (ROA) | 0.8384% | 2,776 |
| Pretax return on assets | 0.8384% | 3,505 |
| Return on Equity (ROE) | 10.0701% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.0701% | 507 |
| Net charge-offs to loans | 0.1411% | 5,512 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 13.0521% | 1,446 |
| Efficiency ratio | 72.8553% | 3,631 |
| Assets per employee ($millions) | 4.0619% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 5,659 |
| Loan loss allowance to noncurrent loans | 467.2619% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 5,689 |
| Noncurrent loans to loans | 0.2496% | 6,567 |
| Net loans and leases to total assets | 51.1844% | 6,027 |
| Net loans and leases to deposits | 56.8569% | 6,366 |
| Net loans and leases to core deposits | 62.9542% | 6,158 |
| Total domestic deposits to total assets | 90.0232% | 1,086 |
| Equity capital to assets | 7.9519% | 6,540 |
| Core capital (leverage) ratio | 8.8252% | 4,817 |
| Tier 1 risk-based capital ratio | 14.5961% | 3,483 |
| Total risk-based capital ratio | 15.6723% | 3,555 |
| Memoranda: | ||
| Average total assets | $121,297,000 | 4,459 |
| Average earning assets | $109,004,600 | 4,490 |
| Average equity | $10,099,200 | 5,104 |
| Average total loans | $68,042,200 | 4,748 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9280% | 1,075 |
| Cost of funding earning assets | 2.3697% | 210 |
| Net interest margin | 3.5583% | 5,068 |
| Noninterest income to average assets | 0.6928% | 2,858 |
| Noninterest expense to average assets | 2.7612% | 4,638 |
| Loan and lease loss provision to assets | 0.1007% | 6,013 |
| Net operating income to assets | 0.9939% | 2,253 |
| Return on assets (ROA) | 0.8808% | 2,829 |
| Pretax return on assets | 0.8808% | 3,622 |
| Return on Equity (ROE) | 10.4513% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.4513% | 694 |
| Net charge-offs to loans | 0.0274% | 6,293 |
| Credit loss provision to net charge-offs | 642.8571% | 457 |
| Earnings coverage of net charge-offs (x) | 69.8431% | 432 |
| Efficiency ratio | 71.6110% | 3,773 |
| Assets per employee ($millions) | 3.8541% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 5,269 |
| Loan loss allowance to noncurrent loans | 128.9676% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 5,492 |
| Noncurrent loans to loans | 0.9647% | 5,307 |
| Net loans and leases to total assets | 53.8668% | 5,868 |
| Net loans and leases to deposits | 60.3642% | 6,280 |
| Net loans and leases to core deposits | 67.3551% | 6,007 |
| Total domestic deposits to total assets | 89.2364% | 1,264 |
| Equity capital to assets | 8.6441% | 6,112 |
| Core capital (leverage) ratio | 8.7994% | 5,010 |
| Tier 1 risk-based capital ratio | 14.6768% | 3,410 |
| Total risk-based capital ratio | 15.8559% | 3,427 |
| Memoranda: | ||
| Average total assets | $119,126,000 | 4,557 |
| Average earning assets | $105,889,750 | 4,614 |
| Average equity | $10,040,000 | 5,182 |
| Average total loans | $68,224,000 | 4,819 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1586% | 676 |
| Cost of funding earning assets | 2.4875% | 181 |
| Net interest margin | 3.6711% | 4,494 |
| Noninterest income to average assets | 0.6490% | 3,021 |
| Noninterest expense to average assets | 2.8253% | 4,375 |
| Loan and lease loss provision to assets | 0.1019% | 5,896 |
| Net operating income to assets | 0.9361% | 2,413 |
| Return on assets (ROA) | 0.9429% | 2,484 |
| Pretax return on assets | 0.9429% | 3,334 |
| Return on Equity (ROE) | 11.2885% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.2885% | 596 |
| Net charge-offs to loans | 0.0729% | 5,415 |
| Credit loss provision to net charge-offs | 240.0000% | 1,601 |
| Earnings coverage of net charge-offs (x) | 24.4400% | 1,071 |
| Efficiency ratio | 73.1310% | 3,635 |
| Assets per employee ($millions) | 3.6103% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,560 |
| Loan loss allowance to noncurrent loans | 151.6190% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 5,707 |
| Noncurrent loans to loans | 0.7777% | 5,716 |
| Net loans and leases to total assets | 55.9950% | 5,709 |
| Net loans and leases to deposits | 62.8484% | 6,150 |
| Net loans and leases to core deposits | 72.0972% | 5,656 |
| Total domestic deposits to total assets | 89.0953% | 1,380 |
| Equity capital to assets | 8.6268% | 5,981 |
| Core capital (leverage) ratio | 8.5779% | 5,280 |
| Tier 1 risk-based capital ratio | 14.0601% | 3,684 |
| Total risk-based capital ratio | 15.1590% | 3,754 |
| Memoranda: | ||
| Average total assets | $117,724,000 | 4,622 |
| Average earning assets | $103,075,670 | 4,718 |
| Average equity | $9,833,000 | 5,252 |
| Average total loans | $68,541,330 | 4,840 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3917% | 442 |
| Cost of funding earning assets | 2.6080% | 161 |
| Net interest margin | 3.7837% | 3,862 |
| Noninterest income to average assets | 0.6700% | 2,810 |
| Noninterest expense to average assets | 2.7860% | 4,537 |
| Loan and lease loss provision to assets | 0.1026% | 5,604 |
| Net operating income to assets | 1.0050% | 2,159 |
| Return on assets (ROA) | 1.0016% | 2,244 |
| Pretax return on assets | 1.0016% | 3,089 |
| Return on Equity (ROE) | 12.1950% | 1,442 |
| Retained earnings to average equity (ytd only) | 12.1950% | 717 |
| Net charge-offs to loans | 0.0927% | 4,493 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,164 |
| Efficiency ratio | 71.5540% | 4,008 |
| Assets per employee ($millions) | 3.7460% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,887 |
| Loan loss allowance to noncurrent loans | 167.2414% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9043% | 5,347 |
| Noncurrent loans to loans | 0.6733% | 5,983 |
| Net loans and leases to total assets | 56.8427% | 5,634 |
| Net loans and leases to deposits | 63.4760% | 6,110 |
| Net loans and leases to core deposits | 73.9604% | 5,501 |
| Total domestic deposits to total assets | 89.5498% | 1,208 |
| Equity capital to assets | 8.2362% | 6,384 |
| Core capital (leverage) ratio | 8.6176% | 5,180 |
| Tier 1 risk-based capital ratio | 13.3542% | 4,087 |
| Total risk-based capital ratio | 14.3986% | 4,197 |
| Memoranda: | ||
| Average total assets | $117,015,500 | 4,694 |
| Average earning assets | $99,691,500 | 4,883 |
| Average equity | $9,610,500 | 5,344 |
| Average total loans | $69,057,500 | 4,895 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7276% | 440 |
| Cost of funding earning assets | 3.0208% | 216 |
| Net interest margin | 3.7068% | 4,107 |
| Noninterest income to average assets | 0.4479% | 4,828 |
| Noninterest expense to average assets | 2.9060% | 4,515 |
| Loan and lease loss provision to assets | 0.3856% | 4,479 |
| Net operating income to assets | 0.3187% | 4,457 |
| Return on assets (ROA) | -0.8637% | 6,481 |
| Pretax return on assets | -0.8637% | 6,316 |
| Return on Equity (ROE) | -10.8033% | 6,680 |
| Retained earnings to average equity (ytd only) | -12.8082% | 6,742 |
| Net charge-offs to loans | 0.5435% | 3,616 |
| Credit loss provision to net charge-offs | 115.3425% | 4,731 |
| Earnings coverage of net charge-offs (x) | 2.1068% | 4,151 |
| Efficiency ratio | 80.4921% | 2,808 |
| Assets per employee ($millions) | 3.6825% | 4,560 |
| Cash dividends to net income (ytd only)* | -18.5578% | 7,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 5,901 |
| Loan loss allowance to noncurrent loans | 82.4485% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 4,528 |
| Noncurrent loans to loans | 1.3338% | 4,693 |
| Net loans and leases to total assets | 59.9511% | 5,346 |
| Net loans and leases to deposits | 67.6830% | 5,869 |
| Net loans and leases to core deposits | 93.6276% | 4,714 |
| Total domestic deposits to total assets | 88.5764% | 1,687 |
| Equity capital to assets | 8.1887% | 6,356 |
| Core capital (leverage) ratio | 8.5044% | 5,277 |
| Tier 1 risk-based capital ratio | 12.8238% | 4,268 |
| Total risk-based capital ratio | 13.8371% | 4,401 |
| Memoranda: | ||
| Average total assets | $109,187,200 | 4,845 |
| Average earning assets | $93,154,200 | 5,030 |
| Average equity | $8,728,800 | 5,688 |
| Average total loans | $67,158,000 | 4,974 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8723% | 374 |
| Cost of funding earning assets | 3.0837% | 254 |
| Net interest margin | 3.7886% | 3,705 |
| Noninterest income to average assets | 0.3483% | 5,715 |
| Noninterest expense to average assets | 2.7656% | 5,034 |
| Loan and lease loss provision to assets | 0.3977% | 3,926 |
| Net operating income to assets | 0.3916% | 4,431 |
| Return on assets (ROA) | -0.6151% | 6,540 |
| Pretax return on assets | -0.6151% | 6,405 |
| Return on Equity (ROE) | -7.7441% | 6,707 |
| Retained earnings to average equity (ytd only) | -10.4655% | 6,848 |
| Net charge-offs to loans | 0.5581% | 3,008 |
| Credit loss provision to net charge-offs | 115.4122% | 4,400 |
| Earnings coverage of net charge-offs (x) | 2.2903% | 4,107 |
| Efficiency ratio | 77.7971% | 3,199 |
| Assets per employee ($millions) | 3.5992% | 4,691 |
| Cash dividends to net income (ytd only)* | -35.1411% | 7,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 5,873 |
| Loan loss allowance to noncurrent loans | 255.2901% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 6,033 |
| Noncurrent loans to loans | 0.4206% | 6,493 |
| Net loans and leases to total assets | 59.8369% | 5,608 |
| Net loans and leases to deposits | 67.3369% | 6,187 |
| Net loans and leases to core deposits | 91.6534% | 5,264 |
| Total domestic deposits to total assets | 88.8620% | 1,264 |
| Equity capital to assets | 7.8777% | 6,963 |
| Core capital (leverage) ratio | 8.6335% | 5,250 |
| Tier 1 risk-based capital ratio | 12.9341% | 4,240 |
| Total risk-based capital ratio | 13.9444% | 4,352 |
| Memoranda: | ||
| Average total assets | $107,944,500 | 4,915 |
| Average earning assets | $91,359,750 | 5,114 |
| Average equity | $8,574,000 | 5,791 |
| Average total loans | $66,647,500 | 5,034 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8680% | 397 |
| Cost of funding earning assets | 3.0958% | 354 |
| Net interest margin | 3.7722% | 3,663 |
| Noninterest income to average assets | 0.1535% | 7,171 |
| Noninterest expense to average assets | 2.7574% | 5,144 |
| Loan and lease loss provision to assets | 0.0910% | 6,260 |
| Net operating income to assets | 0.5496% | 3,882 |
| Return on assets (ROA) | -1.0025% | 6,986 |
| Pretax return on assets | -1.0025% | 6,817 |
| Return on Equity (ROE) | -12.5837% | 7,205 |
| Retained earnings to average equity (ytd only) | -16.7466% | 7,333 |
| Net charge-offs to loans | 0.0853% | 5,354 |
| Credit loss provision to net charge-offs | 171.4286% | 2,681 |
| Earnings coverage of net charge-offs (x) | 12.0714% | 1,850 |
| Efficiency ratio | 81.1489% | 2,862 |
| Assets per employee ($millions) | 3.4166% | 5,029 |
| Cash dividends to net income (ytd only)* | -33.0813% | 7,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 5,800 |
| Loan loss allowance to noncurrent loans | 232.7974% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 5,859 |
| Noncurrent loans to loans | 0.4586% | 6,378 |
| Net loans and leases to total assets | 61.3645% | 5,468 |
| Net loans and leases to deposits | 68.5350% | 6,133 |
| Net loans and leases to core deposits | 93.5001% | 5,173 |
| Total domestic deposits to total assets | 89.5374% | 1,026 |
| Equity capital to assets | 6.9778% | 7,629 |
| Core capital (leverage) ratio | 8.6383% | 5,204 |
| Tier 1 risk-based capital ratio | 12.1135% | 4,830 |
| Total risk-based capital ratio | 13.0831% | 4,986 |
| Memoranda: | ||
| Average total assets | $105,535,000 | 4,999 |
| Average earning assets | $90,768,670 | 5,171 |
| Average equity | $8,407,670 | 5,880 |
| Average total loans | $65,642,000 | 5,121 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7192% | 564 |
| Cost of funding earning assets | 3.0374% | 549 |
| Net interest margin | 3.6817% | 3,976 |
| Noninterest income to average assets | 0.6793% | 3,008 |
| Noninterest expense to average assets | 2.8368% | 4,397 |
| Loan and lease loss provision to assets | 0.0926% | 5,772 |
| Net operating income to assets | 0.9919% | 2,346 |
| Return on assets (ROA) | 0.9958% | 2,462 |
| Pretax return on assets | 0.9958% | 3,358 |
| Return on Equity (ROE) | 11.7313% | 1,750 |
| Retained earnings to average equity (ytd only) | 3.7740% | 3,794 |
| Net charge-offs to loans | 0.1983% | 3,449 |
| Credit loss provision to net charge-offs | 75.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | 8.7813% | 2,147 |
| Efficiency ratio | 72.3425% | 4,129 |
| Assets per employee ($millions) | 3.4123% | 5,040 |
| Cash dividends to net income (ytd only)* | 67.8295% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 5,634 |
| Loan loss allowance to noncurrent loans | 78.2022% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.2838% | 4,110 |
| Noncurrent loans to loans | 1.3772% | 4,251 |
| Net loans and leases to total assets | 60.4343% | 5,586 |
| Net loans and leases to deposits | 68.4733% | 6,135 |
| Net loans and leases to core deposits | 92.4416% | 5,309 |
| Total domestic deposits to total assets | 88.2597% | 1,606 |
| Equity capital to assets | 8.1517% | 6,595 |
| Core capital (leverage) ratio | 9.1566% | 4,471 |
| Tier 1 risk-based capital ratio | 13.0925% | 4,128 |
| Total risk-based capital ratio | 14.0690% | 4,231 |
| Memoranda: | ||
| Average total assets | $103,636,500 | 5,079 |
| Average earning assets | $91,261,000 | 5,175 |
| Average equity | $8,797,000 | 5,775 |
| Average total loans | $64,555,500 | 5,175 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5715% | 358 |
| Cost of funding earning assets | 3.5144% | 493 |
| Net interest margin | 4.0571% | 2,885 |
| Noninterest income to average assets | 0.8288% | 2,358 |
| Noninterest expense to average assets | 2.9863% | 4,130 |
| Loan and lease loss provision to assets | 0.0664% | 6,561 |
| Net operating income to assets | 1.5208% | 977 |
| Return on assets (ROA) | 1.5671% | 861 |
| Pretax return on assets | 1.5671% | 1,493 |
| Return on Equity (ROE) | 17.4378% | 580 |
| Retained earnings to average equity (ytd only) | 7.6444% | 949 |
| Net charge-offs to loans | 0.0807% | 5,614 |
| Credit loss provision to net charge-offs | 126.9231% | 4,209 |
| Earnings coverage of net charge-offs (x) | 30.3462% | 1,166 |
| Efficiency ratio | 65.2958% | 5,255 |
| Assets per employee ($millions) | 3.2739% | 5,279 |
| Cash dividends to net income (ytd only)* | 56.1617% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 5,337 |
| Loan loss allowance to noncurrent loans | 277.1654% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 6,360 |
| Noncurrent loans to loans | 0.3939% | 6,160 |
| Net loans and leases to total assets | 62.8453% | 5,485 |
| Net loans and leases to deposits | 72.1225% | 6,047 |
| Net loans and leases to core deposits | 99.2006% | 4,905 |
| Total domestic deposits to total assets | 87.1369% | 1,873 |
| Equity capital to assets | 8.8391% | 5,589 |
| Core capital (leverage) ratio | 9.3045% | 4,289 |
| Tier 1 risk-based capital ratio | 13.2481% | 3,967 |
| Total risk-based capital ratio | 14.2567% | 4,022 |
| Memoranda: | ||
| Average total assets | $99,419,400 | 5,068 |
| Average earning assets | $91,764,800 | 5,036 |
| Average equity | $8,934,600 | 5,760 |
| Average total loans | $64,425,800 | 5,081 |