Home > Muenster State Bank > Performance and Condition Ratios
Muenster State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 3,871 |
| Cost of funding earning assets | 1.0944% | 3,890 |
| Net interest margin | 3.4228% | 2,513 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 1.2878% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.2768% | 292 |
| Return on assets (ROA) | 2.2768% | 294 |
| Pretax return on assets | 2.2768% | 441 |
| Return on Equity (ROE) | 22.7600% | 283 |
| Retained earnings to average equity (ytd only) | 22.7628% | 110 |
| 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 | 36.1284% | 4,339 |
| Assets per employee ($millions) | 12.6870% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,140 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 32.7300% | 4,152 |
| Net loans and leases to deposits | 38.4724% | 4,162 |
| Net loans and leases to core deposits | 40.4274% | 4,161 |
| Total domestic deposits to total assets | 85.0700% | 2,600 |
| Equity capital to assets | 10.7192% | 1,811 |
| Core capital (leverage) ratio | 13.8583% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $216,798,000 | 2,911 |
| Average earning assets | $206,148,000 | 2,874 |
| Average equity | $21,684,500 | 2,910 |
| Average total loans | $71,517,000 | 3,555 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 4,116 |
| Cost of funding earning assets | 1.1410% | 3,883 |
| Net interest margin | 3.1106% | 2,918 |
| Noninterest income to average assets | 0.3500% | 2,750 |
| Noninterest expense to average assets | 1.5734% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.7381% | 619 |
| Return on assets (ROA) | 1.7381% | 610 |
| Pretax return on assets | 1.7381% | 915 |
| Return on Equity (ROE) | 17.4500% | 617 |
| Retained earnings to average equity (ytd only) | 6.4730% | 1,624 |
| Net charge-offs to loans | -0.0072% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 47.5138% | 4,117 |
| Assets per employee ($millions) | 13.6198% | 292 |
| Cash dividends to net income (ytd only)* | 62.9150% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 3,174 |
| Loan loss allowance to noncurrent loans | 260.4317% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 2,828 |
| Noncurrent loans to loans | 0.3876% | 2,112 |
| Net loans and leases to total assets | 32.5800% | 4,181 |
| Net loans and leases to deposits | 37.2556% | 4,201 |
| Net loans and leases to core deposits | 38.8448% | 4,207 |
| Total domestic deposits to total assets | 87.4500% | 1,728 |
| Equity capital to assets | 9.2925% | 2,603 |
| Core capital (leverage) ratio | 13.7781% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $213,165,400 | 2,911 |
| Average earning assets | $202,984,400 | 2,870 |
| Average equity | $21,226,600 | 2,881 |
| Average total loans | $69,237,400 | 3,583 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 4,147 |
| Cost of funding earning assets | 1.1586% | 3,869 |
| Net interest margin | 3.0605% | 2,978 |
| Noninterest income to average assets | 0.3500% | 2,719 |
| Noninterest expense to average assets | 1.2580% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.0140% | 424 |
| Return on assets (ROA) | 2.0140% | 426 |
| Pretax return on assets | 2.0140% | 630 |
| Return on Equity (ROE) | 19.8800% | 440 |
| Retained earnings to average equity (ytd only) | 19.8839% | 111 |
| Net charge-offs to loans | -0.0078% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 38.4468% | 4,363 |
| Assets per employee ($millions) | 13.2483% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 2,999 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 32.1700% | 4,217 |
| Net loans and leases to deposits | 38.7990% | 4,214 |
| Net loans and leases to core deposits | 40.5281% | 4,216 |
| Total domestic deposits to total assets | 82.9200% | 2,874 |
| Equity capital to assets | 11.8497% | 1,338 |
| Core capital (leverage) ratio | 14.9944% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $211,977,500 | 2,913 |
| Average earning assets | $202,312,500 | 2,877 |
| Average equity | $21,470,750 | 2,869 |
| Average total loans | $68,615,500 | 3,605 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 4,131 |
| Cost of funding earning assets | 1.1539% | 3,845 |
| Net interest margin | 3.0471% | 2,962 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 1.2341% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.0002% | 432 |
| Return on assets (ROA) | 2.0002% | 432 |
| Pretax return on assets | 2.0002% | 641 |
| Return on Equity (ROE) | 20.9300% | 400 |
| Retained earnings to average equity (ytd only) | 20.9331% | 111 |
| Net charge-offs to loans | -0.0058% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 38.1564% | 4,392 |
| Assets per employee ($millions) | 13.0144% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 2,988 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 32.3400% | 4,228 |
| Net loans and leases to deposits | 38.3089% | 4,232 |
| Net loans and leases to core deposits | 39.8004% | 4,240 |
| Total domestic deposits to total assets | 84.4300% | 2,478 |
| Equity capital to assets | 10.2516% | 1,939 |
| Core capital (leverage) ratio | 14.2562% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $211,979,333 | 2,918 |
| Average earning assets | $202,093,333 | 2,877 |
| Average equity | $20,255,000 | 2,921 |
| Average total loans | $68,513,333 | 3,607 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1152% | 4,162 |
| Cost of funding earning assets | 1.1014% | 3,884 |
| Net interest margin | 3.0137% | 2,959 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 1.2401% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.9527% | 474 |
| Return on assets (ROA) | 1.9527% | 483 |
| Pretax return on assets | 1.9527% | 675 |
| Return on Equity (ROE) | 21.1900% | 383 |
| Retained earnings to average equity (ytd only) | 21.1883% | 162 |
| Net charge-offs to loans | -0.0058% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 38.8401% | 4,369 |
| Assets per employee ($millions) | 14.0097% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,085 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 32.4700% | 4,230 |
| Net loans and leases to deposits | 38.7950% | 4,203 |
| Net loans and leases to core deposits | 40.3195% | 4,268 |
| Total domestic deposits to total assets | 83.7000% | 2,807 |
| Equity capital to assets | 9.4101% | 2,390 |
| Core capital (leverage) ratio | 13.7766% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $213,854,000 | 2,914 |
| Average earning assets | $203,733,000 | 2,871 |
| Average equity | $19,709,000 | 2,975 |
| Average total loans | $68,736,000 | 3,606 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 4,294 |
| Cost of funding earning assets | 0.6745% | 3,960 |
| Net interest margin | 3.0000% | 3,279 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.6208% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5906% | 877 |
| Return on assets (ROA) | 1.5858% | 850 |
| Pretax return on assets | 1.5858% | 1,258 |
| Return on Equity (ROE) | 18.1300% | 802 |
| Retained earnings to average equity (ytd only) | 6.5800% | 2,030 |
| Net charge-offs to loans | 0.0159% | 2,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 331.1000% | 404 |
| Efficiency ratio | 50.4712% | 3,949 |
| Assets per employee ($millions) | 13.5976% | 280 |
| Cash dividends to net income (ytd only)* | 63.7080% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 3,071 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 31.1600% | 4,272 |
| Net loans and leases to deposits | 35.1541% | 4,287 |
| Net loans and leases to core deposits | 36.6022% | 4,334 |
| Total domestic deposits to total assets | 88.6400% | 1,173 |
| Equity capital to assets | 9.0287% | 2,658 |
| Core capital (leverage) ratio | 13.3654% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $208,162,600 | 2,932 |
| Average earning assets | $198,363,400 | 2,885 |
| Average equity | $18,206,600 | 2,992 |
| Average total loans | $62,765,600 | 3,667 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5803% | 4,326 |
| Cost of funding earning assets | 0.5737% | 4,021 |
| Net interest margin | 3.0066% | 3,329 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.3637% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8528% | 597 |
| Return on assets (ROA) | 1.8463% | 593 |
| Pretax return on assets | 1.8463% | 931 |
| Return on Equity (ROE) | 21.2900% | 614 |
| Retained earnings to average equity (ytd only) | 21.2910% | 219 |
| Net charge-offs to loans | 0.0304% | 1,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 204.2857% | 588 |
| Efficiency ratio | 42.3968% | 4,298 |
| Assets per employee ($millions) | 12.5494% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 2,510 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 30.0500% | 4,314 |
| Net loans and leases to deposits | 34.9157% | 4,314 |
| Net loans and leases to core deposits | 36.4438% | 4,323 |
| Total domestic deposits to total assets | 86.0600% | 2,172 |
| Equity capital to assets | 8.4376% | 2,759 |
| Core capital (leverage) ratio | 14.3716% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $205,812,750 | 2,952 |
| Average earning assets | $196,141,000 | 2,908 |
| Average equity | $17,847,500 | 3,015 |
| Average total loans | $61,328,500 | 3,696 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4697% | 4,372 |
| Cost of funding earning assets | 0.4270% | 4,120 |
| Net interest margin | 3.0427% | 3,332 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.3803% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8633% | 597 |
| Return on assets (ROA) | 1.8536% | 605 |
| Pretax return on assets | 1.8536% | 928 |
| Return on Equity (ROE) | 21.1900% | 607 |
| Retained earnings to average equity (ytd only) | 21.1909% | 214 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.5557% | 4,315 |
| Assets per employee ($millions) | 11.8601% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,507 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,708 |
| Noncurrent loans to loans | 0.0439% | 3,407 |
| Net loans and leases to total assets | 30.1100% | 4,328 |
| Net loans and leases to deposits | 35.4584% | 4,304 |
| Net loans and leases to core deposits | 36.4794% | 4,316 |
| Total domestic deposits to total assets | 84.9200% | 2,565 |
| Equity capital to assets | 9.6056% | 2,090 |
| Core capital (leverage) ratio | 14.1713% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $207,486,667 | 2,950 |
| Average earning assets | $197,654,667 | 2,905 |
| Average equity | $18,149,333 | 3,012 |
| Average total loans | $61,422,000 | 3,700 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4050% | 4,368 |
| Cost of funding earning assets | 0.3088% | 4,173 |
| Net interest margin | 3.0961% | 3,358 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.2508% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0492% | 458 |
| Return on assets (ROA) | 2.0302% | 458 |
| Pretax return on assets | 2.0302% | 734 |
| Return on Equity (ROE) | 24.3600% | 436 |
| Retained earnings to average equity (ytd only) | 24.3551% | 200 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.9032% | 4,493 |
| Assets per employee ($millions) | 12.1737% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 29.2500% | 4,384 |
| Net loans and leases to deposits | 33.0538% | 4,392 |
| Net loans and leases to core deposits | 33.6741% | 4,401 |
| Total domestic deposits to total assets | 88.5000% | 1,739 |
| Equity capital to assets | 9.0673% | 2,463 |
| Core capital (leverage) ratio | 13.3364% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $210,419,500 | 2,969 |
| Average earning assets | $200,766,000 | 2,926 |
| Average equity | $17,540,500 | 3,083 |
| Average total loans | $61,414,500 | 3,741 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0727% | 4,039 |
| Cost of funding earning assets | 0.1365% | 4,197 |
| Net interest margin | 2.9362% | 3,598 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.5042% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6431% | 616 |
| Return on assets (ROA) | 1.6964% | 513 |
| Pretax return on assets | 1.6964% | 923 |
| Return on Equity (ROE) | 17.4700% | 786 |
| Retained earnings to average equity (ytd only) | 7.0760% | 2,210 |
| Net charge-offs to loans | -0.0087% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.7936% | 4,252 |
| Assets per employee ($millions) | 12.5815% | 338 |
| Cash dividends to net income (ytd only)* | 59.4901% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,468 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 28.4400% | 4,423 |
| Net loans and leases to deposits | 30.7947% | 4,459 |
| Net loans and leases to core deposits | 31.2674% | 4,465 |
| Total domestic deposits to total assets | 92.3600% | 551 |
| Equity capital to assets | 7.6284% | 3,309 |
| Core capital (leverage) ratio | 12.7004% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $208,084,600 | 2,990 |
| Average earning assets | $198,487,800 | 2,950 |
| Average equity | $20,209,200 | 2,938 |
| Average total loans | $57,779,800 | 3,773 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9750% | 3,929 |
| Cost of funding earning assets | 0.1156% | 4,154 |
| Net interest margin | 2.8595% | 3,598 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.1982% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8764% | 362 |
| Return on assets (ROA) | 1.9480% | 308 |
| Pretax return on assets | 1.9480% | 518 |
| Return on Equity (ROE) | 19.0000% | 528 |
| Retained earnings to average equity (ytd only) | 19.0026% | 130 |
| Net charge-offs to loans | -0.0117% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.9717% | 4,596 |
| Assets per employee ($millions) | 11.5542% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,200 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 27.3800% | 4,474 |
| Net loans and leases to deposits | 29.5311% | 4,505 |
| Net loans and leases to core deposits | 30.0329% | 4,511 |
| Total domestic deposits to total assets | 92.7200% | 657 |
| Equity capital to assets | 7.2658% | 3,365 |
| Core capital (leverage) ratio | 13.6741% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $206,634,250 | 3,020 |
| Average earning assets | $197,281,250 | 2,978 |
| Average equity | $21,182,500 | 2,880 |
| Average total loans | $56,834,250 | 3,807 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9054% | 3,763 |
| Cost of funding earning assets | 0.1140% | 4,032 |
| Net interest margin | 2.7914% | 3,472 |
| Noninterest income to average assets | 0.3463% | 3,077 |
| Noninterest expense to average assets | 1.1892% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8168% | 325 |
| Return on assets (ROA) | 1.9245% | 258 |
| Pretax return on assets | 1.9245% | 446 |
| Return on Equity (ROE) | 17.0988% | 557 |
| Retained earnings to average equity (ytd only) | 17.0988% | 145 |
| Net charge-offs to loans | -0.0177% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5611% | 4,623 |
| Assets per employee ($millions) | 12.8787% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 26.4900% | 4,550 |
| Net loans and leases to deposits | 29.2780% | 4,562 |
| Net loans and leases to core deposits | 29.7922% | 4,571 |
| Total domestic deposits to total assets | 90.4775% | 1,481 |
| Equity capital to assets | 9.5128% | 2,005 |
| Core capital (leverage) ratio | 13.5510% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,187,333 | 3,057 |
| Average earning assets | $196,460,667 | 3,019 |
| Average equity | $23,206,333 | 2,802 |
| Average total loans | $56,553,000 | 3,850 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8529% | 3,638 |
| Cost of funding earning assets | 0.1162% | 3,938 |
| Net interest margin | 2.7366% | 3,321 |
| Noninterest income to average assets | 0.3336% | 3,098 |
| Noninterest expense to average assets | 1.1481% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7881% | 339 |
| Return on assets (ROA) | 2.0034% | 221 |
| Pretax return on assets | 2.0034% | 354 |
| Return on Equity (ROE) | 16.5224% | 473 |
| Retained earnings to average equity (ytd only) | 16.5224% | 204 |
| Net charge-offs to loans | -0.0070% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1017% | 4,660 |
| Assets per employee ($millions) | 13.7250% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 27.1029% | 4,531 |
| Net loans and leases to deposits | 30.3833% | 4,541 |
| Net loans and leases to core deposits | 30.9259% | 4,560 |
| Total domestic deposits to total assets | 89.2032% | 1,979 |
| Equity capital to assets | 10.7871% | 1,450 |
| Core capital (leverage) ratio | 13.4129% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,251,500 | 3,065 |
| Average earning assets | $196,154,000 | 3,032 |
| Average equity | $25,008,500 | 2,776 |
| Average total loans | $57,172,500 | 3,847 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0556% | 3,767 |
| Cost of funding earning assets | 0.1370% | 4,093 |
| Net interest margin | 2.9186% | 3,399 |
| Noninterest income to average assets | 0.3360% | 3,407 |
| Noninterest expense to average assets | 1.6374% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4727% | 1,078 |
| Return on assets (ROA) | 1.5452% | 962 |
| Pretax return on assets | 1.5452% | 1,588 |
| Return on Equity (ROE) | 10.5611% | 2,319 |
| Retained earnings to average equity (ytd only) | 3.6335% | 3,365 |
| Net charge-offs to loans | -0.3301% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6479% | 4,067 |
| Assets per employee ($millions) | 12.1546% | 381 |
| Cash dividends to net income (ytd only)* | 65.5953% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,615 |
| Loan loss allowance to noncurrent loans | 70.0871% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 1,332 |
| Noncurrent loans to loans | 1.7865% | 475 |
| Net loans and leases to total assets | 27.6332% | 4,577 |
| Net loans and leases to deposits | 31.9458% | 4,582 |
| Net loans and leases to core deposits | 32.5315% | 4,594 |
| Total domestic deposits to total assets | 86.5004% | 2,712 |
| Equity capital to assets | 13.4585% | 777 |
| Core capital (leverage) ratio | 13.3027% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,320,600 | 3,085 |
| Average earning assets | $187,555,400 | 3,047 |
| Average equity | $28,870,200 | 2,604 |
| Average total loans | $56,349,800 | 3,890 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9256% | 4,125 |
| Cost of funding earning assets | 0.1430% | 4,171 |
| Net interest margin | 2.7826% | 3,816 |
| Noninterest income to average assets | 0.3282% | 3,465 |
| Noninterest expense to average assets | 1.2527% | 4,775 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7238% | 788 |
| Return on assets (ROA) | 1.8216% | 665 |
| Pretax return on assets | 1.8216% | 1,112 |
| Return on Equity (ROE) | 12.1910% | 1,982 |
| Retained earnings to average equity (ytd only) | 12.1910% | 798 |
| Net charge-offs to loans | -0.4430% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0859% | 4,659 |
| Assets per employee ($millions) | 11.9689% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,691 |
| Loan loss allowance to noncurrent loans | 67.9174% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 1,454 |
| Noncurrent loans to loans | 1.8515% | 509 |
| Net loans and leases to total assets | 27.9405% | 4,648 |
| Net loans and leases to deposits | 33.2914% | 4,643 |
| Net loans and leases to core deposits | 33.9300% | 4,653 |
| Total domestic deposits to total assets | 83.9270% | 3,475 |
| Equity capital to assets | 14.6816% | 600 |
| Core capital (leverage) ratio | 14.4742% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,993,750 | 3,141 |
| Average earning assets | $185,576,000 | 3,096 |
| Average equity | $29,135,500 | 2,619 |
| Average total loans | $55,981,750 | 3,945 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9429% | 4,153 |
| Cost of funding earning assets | 0.1458% | 4,239 |
| Net interest margin | 2.7971% | 3,793 |
| Noninterest income to average assets | 0.3164% | 3,534 |
| Noninterest expense to average assets | 1.2479% | 4,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7235% | 840 |
| Return on assets (ROA) | 1.7984% | 755 |
| Pretax return on assets | 1.7984% | 1,240 |
| Return on Equity (ROE) | 11.9628% | 2,080 |
| Retained earnings to average equity (ytd only) | 11.9628% | 928 |
| Net charge-offs to loans | 0.0252% | 1,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 236.5714% | 452 |
| Efficiency ratio | 41.9965% | 4,699 |
| Assets per employee ($millions) | 11.4978% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 4,224 |
| Loan loss allowance to noncurrent loans | 48.3167% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 1,484 |
| Noncurrent loans to loans | 1.8074% | 573 |
| Net loans and leases to total assets | 30.8377% | 4,624 |
| Net loans and leases to deposits | 36.9284% | 4,613 |
| Net loans and leases to core deposits | 37.7312% | 4,632 |
| Total domestic deposits to total assets | 83.5068% | 3,575 |
| Equity capital to assets | 15.0198% | 520 |
| Core capital (leverage) ratio | 14.5153% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,167,667 | 3,159 |
| Average earning assets | $182,406,333 | 3,121 |
| Average equity | $28,889,667 | 2,630 |
| Average total loans | $55,450,667 | 3,980 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0819% | 3,924 |
| Cost of funding earning assets | 0.1464% | 4,331 |
| Net interest margin | 2.9355% | 3,424 |
| Noninterest income to average assets | 0.3002% | 3,610 |
| Noninterest expense to average assets | 1.2618% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8161% | 759 |
| Return on assets (ROA) | 1.9672% | 643 |
| Pretax return on assets | 1.9672% | 1,002 |
| Return on Equity (ROE) | 13.0795% | 1,655 |
| Retained earnings to average equity (ytd only) | 13.0795% | 898 |
| Net charge-offs to loans | -0.0152% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9959% | 4,714 |
| Assets per employee ($millions) | 10.2262% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,804 |
| Loan loss allowance to noncurrent loans | 47.7032% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 1,634 |
| Noncurrent loans to loans | 2.1153% | 487 |
| Net loans and leases to total assets | 27.2648% | 4,767 |
| Net loans and leases to deposits | 33.2403% | 4,737 |
| Net loans and leases to core deposits | 33.8194% | 4,761 |
| Total domestic deposits to total assets | 82.0235% | 3,891 |
| Equity capital to assets | 14.7402% | 536 |
| Core capital (leverage) ratio | 14.6519% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,520,500 | 3,163 |
| Average earning assets | $180,276,000 | 3,124 |
| Average equity | $28,655,500 | 2,637 |
| Average total loans | $52,772,500 | 4,042 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0627% | 4,591 |
| Cost of funding earning assets | 0.2297% | 4,467 |
| Net interest margin | 2.8330% | 4,205 |
| Noninterest income to average assets | 0.3250% | 3,517 |
| Noninterest expense to average assets | 1.6364% | 4,678 |
| Loan and lease loss provision to assets | 0.0334% | 3,982 |
| Net operating income to assets | 1.3325% | 1,170 |
| Return on assets (ROA) | 1.5317% | 805 |
| Pretax return on assets | 1.5317% | 1,239 |
| Return on Equity (ROE) | 9.5678% | 2,170 |
| Retained earnings to average equity (ytd only) | 3.3098% | 3,172 |
| Net charge-offs to loans | 0.0078% | 3,054 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 613.5000% | 194 |
| Efficiency ratio | 54.5050% | 4,159 |
| Assets per employee ($millions) | 10.3746% | 472 |
| Cash dividends to net income (ytd only)* | 65.4070% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,742 |
| Loan loss allowance to noncurrent loans | 46.1803% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 1,688 |
| Noncurrent loans to loans | 2.2391% | 478 |
| Net loans and leases to total assets | 27.5737% | 4,800 |
| Net loans and leases to deposits | 33.9122% | 4,786 |
| Net loans and leases to core deposits | 34.5317% | 4,795 |
| Total domestic deposits to total assets | 81.3091% | 3,802 |
| Equity capital to assets | 15.3532% | 510 |
| Core capital (leverage) ratio | 14.3279% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,667,000 | 3,109 |
| Average earning assets | $169,787,600 | 3,073 |
| Average equity | $28,763,000 | 2,546 |
| Average total loans | $51,555,800 | 4,080 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1291% | 4,648 |
| Cost of funding earning assets | 0.2509% | 4,509 |
| Net interest margin | 2.8782% | 4,215 |
| Noninterest income to average assets | 0.3125% | 3,614 |
| Noninterest expense to average assets | 1.3363% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7021% | 570 |
| Return on assets (ROA) | 1.9269% | 382 |
| Pretax return on assets | 1.9269% | 598 |
| Return on Equity (ROE) | 11.9083% | 1,398 |
| Retained earnings to average equity (ytd only) | 11.9083% | 437 |
| Net charge-offs to loans | 0.0026% | 3,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2,271.0000% | 42 |
| Efficiency ratio | 43.9813% | 4,788 |
| Assets per employee ($millions) | 10.1259% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 4,195 |
| Loan loss allowance to noncurrent loans | 40.1503% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 1,762 |
| Noncurrent loans to loans | 2.1436% | 553 |
| Net loans and leases to total assets | 30.3990% | 4,811 |
| Net loans and leases to deposits | 38.5988% | 4,784 |
| Net loans and leases to core deposits | 39.0306% | 4,805 |
| Total domestic deposits to total assets | 78.7563% | 4,090 |
| Equity capital to assets | 16.7053% | 403 |
| Core capital (leverage) ratio | 15.2722% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,898,000 | 3,111 |
| Average earning assets | $168,479,500 | 3,071 |
| Average equity | $28,786,000 | 2,542 |
| Average total loans | $51,437,250 | 4,103 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1739% | 4,734 |
| Cost of funding earning assets | 0.2830% | 4,526 |
| Net interest margin | 2.8909% | 4,322 |
| Noninterest income to average assets | 0.2981% | 3,684 |
| Noninterest expense to average assets | 1.3194% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7116% | 607 |
| Return on assets (ROA) | 1.7672% | 590 |
| Pretax return on assets | 1.7672% | 868 |
| Return on Equity (ROE) | 11.0442% | 1,618 |
| Retained earnings to average equity (ytd only) | 11.0442% | 596 |
| Net charge-offs to loans | 0.0040% | 2,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,510.0000% | 50 |
| Efficiency ratio | 43.5303% | 4,826 |
| Assets per employee ($millions) | 10.2789% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 4,138 |
| Loan loss allowance to noncurrent loans | 39.0739% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 1,845 |
| Noncurrent loans to loans | 2.2140% | 573 |
| Net loans and leases to total assets | 29.7914% | 4,860 |
| Net loans and leases to deposits | 38.1430% | 4,832 |
| Net loans and leases to core deposits | 38.7103% | 4,845 |
| Total domestic deposits to total assets | 78.1045% | 4,179 |
| Equity capital to assets | 16.0950% | 463 |
| Core capital (leverage) ratio | 14.8377% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,442,000 | 3,105 |
| Average earning assets | $166,800,000 | 3,075 |
| Average equity | $28,232,000 | 2,575 |
| Average total loans | $49,953,667 | 4,145 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2494% | 4,844 |
| Cost of funding earning assets | 0.3158% | 4,607 |
| Net interest margin | 2.9336% | 4,378 |
| Noninterest income to average assets | 0.3114% | 3,649 |
| Noninterest expense to average assets | 1.3825% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6915% | 521 |
| Return on assets (ROA) | 1.8054% | 452 |
| Pretax return on assets | 1.8054% | 687 |
| Return on Equity (ROE) | 11.3189% | 1,318 |
| Retained earnings to average equity (ytd only) | 11.3189% | 515 |
| Net charge-offs to loans | 0.0170% | 2,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 188 |
| Efficiency ratio | 44.9735% | 4,860 |
| Assets per employee ($millions) | 9.5868% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,518 |
| Loan loss allowance to noncurrent loans | 38.9927% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 1,882 |
| Noncurrent loans to loans | 2.6546% | 433 |
| Net loans and leases to total assets | 26.5951% | 4,951 |
| Net loans and leases to deposits | 34.0430% | 4,933 |
| Net loans and leases to core deposits | 34.5203% | 4,940 |
| Total domestic deposits to total assets | 78.1221% | 4,198 |
| Equity capital to assets | 16.6479% | 491 |
| Core capital (leverage) ratio | 15.6525% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,153,000 | 3,115 |
| Average earning assets | $162,120,000 | 3,087 |
| Average equity | $27,458,500 | 2,607 |
| Average total loans | $47,130,000 | 4,202 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 4,906 |
| Cost of funding earning assets | 0.3471% | 4,602 |
| Net interest margin | 3.0753% | 4,406 |
| Noninterest income to average assets | 0.3631% | 3,530 |
| Noninterest expense to average assets | 1.6830% | 4,888 |
| Loan and lease loss provision to assets | 0.0155% | 3,705 |
| Net operating income to assets | 1.5542% | 936 |
| Return on assets (ROA) | 1.5662% | 965 |
| Pretax return on assets | 1.5662% | 1,603 |
| Return on Equity (ROE) | 10.2571% | 2,180 |
| Retained earnings to average equity (ytd only) | 3.2290% | 3,403 |
| Net charge-offs to loans | 0.4413% | 434 |
| Credit loss provision to net charge-offs | 12.8713% | 3,345 |
| Earnings coverage of net charge-offs (x) | 13.0347% | 2,376 |
| Efficiency ratio | 51.7412% | 4,623 |
| Assets per employee ($millions) | 9.0392% | 499 |
| Cash dividends to net income (ytd only)* | 68.5192% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,462 |
| Loan loss allowance to noncurrent loans | 37.6563% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 1,742 |
| Noncurrent loans to loans | 2.6730% | 389 |
| Net loans and leases to total assets | 27.6021% | 5,004 |
| Net loans and leases to deposits | 34.5949% | 4,992 |
| Net loans and leases to core deposits | 35.2603% | 5,003 |
| Total domestic deposits to total assets | 79.7868% | 4,021 |
| Equity capital to assets | 15.2489% | 736 |
| Core capital (leverage) ratio | 15.0560% | 679 |
| Tier 1 risk-based capital ratio | 35.3959% | 323 |
| Total risk-based capital ratio | 36.0784% | 328 |
| Memoranda: | ||
| Average total assets | $167,734,600 | 3,125 |
| Average earning assets | $157,609,800 | 3,107 |
| Average equity | $25,611,600 | 2,669 |
| Average total loans | $45,773,000 | 4,265 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4189% | 5,014 |
| Cost of funding earning assets | 0.3492% | 4,660 |
| Net interest margin | 3.0697% | 4,525 |
| Noninterest income to average assets | 0.3551% | 3,599 |
| Noninterest expense to average assets | 1.3858% | 5,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8584% | 556 |
| Return on assets (ROA) | 1.8744% | 550 |
| Pretax return on assets | 1.8744% | 925 |
| Return on Equity (ROE) | 12.2717% | 1,524 |
| Retained earnings to average equity (ytd only) | 12.2717% | 351 |
| Net charge-offs to loans | 0.5982% | 269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 11.4483% | 2,442 |
| Efficiency ratio | 42.7163% | 5,056 |
| Assets per employee ($millions) | 9.1685% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 3,913 |
| Loan loss allowance to noncurrent loans | 33.6788% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 1,690 |
| Noncurrent loans to loans | 2.7690% | 385 |
| Net loans and leases to total assets | 29.2887% | 5,063 |
| Net loans and leases to deposits | 37.6355% | 5,040 |
| Net loans and leases to core deposits | 38.4070% | 5,054 |
| Total domestic deposits to total assets | 77.8220% | 4,379 |
| Equity capital to assets | 16.7100% | 521 |
| Core capital (leverage) ratio | 16.2178% | 535 |
| Tier 1 risk-based capital ratio | 37.9147% | 282 |
| Total risk-based capital ratio | 38.5653% | 288 |
| Memoranda: | ||
| Average total assets | $166,732,250 | 3,165 |
| Average earning assets | $156,925,500 | 3,146 |
| Average equity | $25,467,250 | 2,691 |
| Average total loans | $45,244,500 | 4,331 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3926% | 5,086 |
| Cost of funding earning assets | 0.3384% | 4,720 |
| Net interest margin | 3.0543% | 4,605 |
| Noninterest income to average assets | 0.3551% | 3,558 |
| Noninterest expense to average assets | 1.3545% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8709% | 515 |
| Return on assets (ROA) | 1.8793% | 528 |
| Pretax return on assets | 1.8793% | 870 |
| Return on Equity (ROE) | 12.6958% | 1,335 |
| Retained earnings to average equity (ytd only) | 12.6958% | 331 |
| Net charge-offs to loans | 0.0227% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 257 |
| Efficiency ratio | 41.9941% | 5,117 |
| Assets per employee ($millions) | 9.1679% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,492 |
| Loan loss allowance to noncurrent loans | 46.4438% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 1,653 |
| Noncurrent loans to loans | 3.0788% | 322 |
| Net loans and leases to total assets | 27.2776% | 5,137 |
| Net loans and leases to deposits | 34.2661% | 5,124 |
| Net loans and leases to core deposits | 35.0954% | 5,133 |
| Total domestic deposits to total assets | 79.6051% | 4,117 |
| Equity capital to assets | 16.1372% | 598 |
| Core capital (leverage) ratio | 15.6534% | 597 |
| Tier 1 risk-based capital ratio | 38.3606% | 264 |
| Total risk-based capital ratio | 39.3336% | 263 |
| Memoranda: | ||
| Average total assets | $167,298,670 | 3,182 |
| Average earning assets | $157,223,000 | 3,156 |
| Average equity | $24,764,000 | 2,746 |
| Average total loans | $44,062,330 | 4,387 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3530% | 5,150 |
| Cost of funding earning assets | 0.3094% | 4,820 |
| Net interest margin | 3.0436% | 4,692 |
| Noninterest income to average assets | 0.3443% | 3,559 |
| Noninterest expense to average assets | 1.3821% | 5,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8120% | 566 |
| Return on assets (ROA) | 1.8286% | 552 |
| Pretax return on assets | 1.8286% | 923 |
| Return on Equity (ROE) | 12.9243% | 1,244 |
| Retained earnings to average equity (ytd only) | 12.9243% | 471 |
| Net charge-offs to loans | 0.0462% | 1,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 152.6000% | 500 |
| Efficiency ratio | 43.2714% | 5,122 |
| Assets per employee ($millions) | 9.1727% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 1,375 |
| Loan loss allowance to noncurrent loans | 45.3787% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 1,623 |
| Noncurrent loans to loans | 3.2760% | 296 |
| Net loans and leases to total assets | 26.2081% | 5,205 |
| Net loans and leases to deposits | 32.5072% | 5,188 |
| Net loans and leases to core deposits | 33.3611% | 5,197 |
| Total domestic deposits to total assets | 80.6225% | 4,047 |
| Equity capital to assets | 15.1221% | 731 |
| Core capital (leverage) ratio | 14.9090% | 721 |
| Tier 1 risk-based capital ratio | 37.1245% | 274 |
| Total risk-based capital ratio | 38.0965% | 276 |
| Memoranda: | ||
| Average total assets | $168,437,000 | 3,206 |
| Average earning assets | $157,709,500 | 3,185 |
| Average equity | $23,831,000 | 2,822 |
| Average total loans | $43,260,000 | 4,453 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2100% | 5,143 |
| Cost of funding earning assets | 0.2843% | 4,640 |
| Net interest margin | 2.9257% | 4,878 |
| Noninterest income to average assets | 0.4014% | 3,433 |
| Noninterest expense to average assets | 1.6662% | 5,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4886% | 1,150 |
| Return on assets (ROA) | 1.4994% | 1,106 |
| Pretax return on assets | 1.4994% | 1,785 |
| Return on Equity (ROE) | 10.8434% | 2,151 |
| Retained earnings to average equity (ytd only) | 3.2500% | 3,776 |
| Net charge-offs to loans | 0.0048% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,240.5000% | 86 |
| Efficiency ratio | 52.8148% | 4,729 |
| Assets per employee ($millions) | 9.0403% | 462 |
| Cash dividends to net income (ytd only)* | 70.0280% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 1,164 |
| Loan loss allowance to noncurrent loans | 44.7924% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 1,634 |
| Noncurrent loans to loans | 3.4488% | 262 |
| Net loans and leases to total assets | 24.4153% | 5,277 |
| Net loans and leases to deposits | 28.7151% | 5,283 |
| Net loans and leases to core deposits | 29.3381% | 5,284 |
| Total domestic deposits to total assets | 85.0261% | 2,640 |
| Equity capital to assets | 13.2122% | 1,250 |
| Core capital (leverage) ratio | 14.3098% | 839 |
| Tier 1 risk-based capital ratio | 35.4013% | 311 |
| Total risk-based capital ratio | 36.3650% | 312 |
| Memoranda: | ||
| Average total assets | $166,668,400 | 3,201 |
| Average earning assets | $156,851,800 | 3,171 |
| Average equity | $23,046,200 | 2,813 |
| Average total loans | $41,872,400 | 4,499 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1712% | 5,212 |
| Cost of funding earning assets | 0.2728% | 4,666 |
| Net interest margin | 2.8984% | 4,976 |
| Noninterest income to average assets | 0.3966% | 3,503 |
| Noninterest expense to average assets | 1.3728% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7646% | 645 |
| Return on assets (ROA) | 1.7791% | 629 |
| Pretax return on assets | 1.7791% | 1,061 |
| Return on Equity (ROE) | 12.7196% | 1,532 |
| Retained earnings to average equity (ytd only) | 12.7196% | 392 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7564% | 5,220 |
| Assets per employee ($millions) | 8.5423% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 1,028 |
| Loan loss allowance to noncurrent loans | 44.2063% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 0.9199% | 1,605 |
| Noncurrent loans to loans | 3.6624% | 253 |
| Net loans and leases to total assets | 24.7106% | 5,343 |
| Net loans and leases to deposits | 30.1939% | 5,339 |
| Net loans and leases to core deposits | 30.9383% | 5,340 |
| Total domestic deposits to total assets | 81.8395% | 3,661 |
| Equity capital to assets | 14.4489% | 840 |
| Core capital (leverage) ratio | 15.6206% | 577 |
| Tier 1 risk-based capital ratio | 40.0156% | 234 |
| Total risk-based capital ratio | 41.0461% | 235 |
| Memoranda: | ||
| Average total assets | $165,394,250 | 3,240 |
| Average earning assets | $156,406,000 | 3,202 |
| Average equity | $23,134,250 | 2,816 |
| Average total loans | $41,691,750 | 4,550 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1412% | 5,270 |
| Cost of funding earning assets | 0.2611% | 4,696 |
| Net interest margin | 2.8800% | 5,040 |
| Noninterest income to average assets | 0.3894% | 3,557 |
| Noninterest expense to average assets | 1.3363% | 5,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7702% | 621 |
| Return on assets (ROA) | 1.7918% | 591 |
| Pretax return on assets | 1.7918% | 980 |
| Return on Equity (ROE) | 12.9491% | 1,390 |
| Retained earnings to average equity (ytd only) | 12.9491% | 387 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0174% | 5,309 |
| Assets per employee ($millions) | 8.6030% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,243 |
| Loan loss allowance to noncurrent loans | 44.0882% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 1,641 |
| Noncurrent loans to loans | 3.5141% | 276 |
| Net loans and leases to total assets | 25.6581% | 5,388 |
| Net loans and leases to deposits | 31.2456% | 5,381 |
| Net loans and leases to core deposits | 32.2004% | 5,383 |
| Total domestic deposits to total assets | 82.1176% | 3,678 |
| Equity capital to assets | 14.1964% | 880 |
| Core capital (leverage) ratio | 15.0011% | 666 |
| Tier 1 risk-based capital ratio | 38.1183% | 263 |
| Total risk-based capital ratio | 39.1282% | 261 |
| Memoranda: | ||
| Average total assets | $166,424,670 | 3,246 |
| Average earning assets | $157,011,670 | 3,212 |
| Average equity | $23,028,670 | 2,844 |
| Average total loans | $42,000,330 | 4,587 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0714% | 5,332 |
| Cost of funding earning assets | 0.2534% | 4,687 |
| Net interest margin | 2.8180% | 5,142 |
| Noninterest income to average assets | 0.3740% | 3,637 |
| Noninterest expense to average assets | 1.3341% | 5,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6890% | 698 |
| Return on assets (ROA) | 1.7319% | 652 |
| Pretax return on assets | 1.7319% | 1,036 |
| Return on Equity (ROE) | 12.6763% | 1,359 |
| Retained earnings to average equity (ytd only) | 12.6763% | 572 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1292% | 5,342 |
| Assets per employee ($millions) | 9.2332% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 1,231 |
| Loan loss allowance to noncurrent loans | 43.5069% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 1,734 |
| Noncurrent loans to loans | 3.6073% | 286 |
| Net loans and leases to total assets | 24.9064% | 5,449 |
| Net loans and leases to deposits | 30.0903% | 5,450 |
| Net loans and leases to core deposits | 31.0437% | 5,446 |
| Total domestic deposits to total assets | 82.7724% | 3,733 |
| Equity capital to assets | 13.6018% | 1,019 |
| Core capital (leverage) ratio | 14.4609% | 773 |
| Tier 1 risk-based capital ratio | 36.7772% | 285 |
| Total risk-based capital ratio | 37.7823% | 283 |
| Memoranda: | ||
| Average total assets | $167,908,500 | 3,269 |
| Average earning assets | $157,841,000 | 3,238 |
| Average equity | $22,940,500 | 2,872 |
| Average total loans | $41,700,500 | 4,641 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9930% | 5,360 |
| Cost of funding earning assets | 0.2177% | 4,806 |
| Net interest margin | 2.7753% | 5,201 |
| Noninterest income to average assets | 0.3872% | 3,720 |
| Noninterest expense to average assets | 1.5845% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4311% | 945 |
| Return on assets (ROA) | 1.5369% | 757 |
| Pretax return on assets | 1.5369% | 1,500 |
| Return on Equity (ROE) | 10.9053% | 1,521 |
| Retained earnings to average equity (ytd only) | 3.6101% | 3,099 |
| Net charge-offs to loans | -0.0026% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5424% | 5,071 |
| Assets per employee ($millions) | 9.4233% | 386 |
| Cash dividends to net income (ytd only)* | 66.8960% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 1,151 |
| Loan loss allowance to noncurrent loans | 44.9898% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8649% | 1,804 |
| Noncurrent loans to loans | 3.5480% | 281 |
| Net loans and leases to total assets | 23.9873% | 5,534 |
| Net loans and leases to deposits | 28.6900% | 5,532 |
| Net loans and leases to core deposits | 29.4413% | 5,537 |
| Total domestic deposits to total assets | 83.6086% | 3,352 |
| Equity capital to assets | 13.7219% | 982 |
| Core capital (leverage) ratio | 13.9824% | 838 |
| Tier 1 risk-based capital ratio | 35.1301% | 314 |
| Total risk-based capital ratio | 36.1200% | 317 |
| Memoranda: | ||
| Average total assets | $170,212,800 | 3,244 |
| Average earning assets | $161,207,200 | 3,185 |
| Average equity | $23,988,400 | 2,760 |
| Average total loans | $38,979,000 | 4,759 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9709% | 5,431 |
| Cost of funding earning assets | 0.2159% | 4,840 |
| Net interest margin | 2.7550% | 5,278 |
| Noninterest income to average assets | 0.3710% | 3,870 |
| Noninterest expense to average assets | 1.2804% | 5,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7069% | 573 |
| Return on assets (ROA) | 1.8478% | 436 |
| Pretax return on assets | 1.8478% | 791 |
| Return on Equity (ROE) | 13.0258% | 1,053 |
| Retained earnings to average equity (ytd only) | 13.0258% | 218 |
| Net charge-offs to loans | -0.0035% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8609% | 5,517 |
| Assets per employee ($millions) | 9.3053% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 1,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 23.4788% | 5,609 |
| Net loans and leases to deposits | 28.6411% | 5,603 |
| Net loans and leases to core deposits | 29.5760% | 5,608 |
| Total domestic deposits to total assets | 81.9757% | 3,786 |
| Equity capital to assets | 15.3228% | 668 |
| Core capital (leverage) ratio | 14.9585% | 673 |
| Tier 1 risk-based capital ratio | 38.4985% | 243 |
| Total risk-based capital ratio | 39.5182% | 246 |
| Memoranda: | ||
| Average total assets | $170,361,250 | 3,267 |
| Average earning assets | $161,787,500 | 3,206 |
| Average equity | $24,166,750 | 2,767 |
| Average total loans | $38,387,000 | 4,830 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9493% | 5,474 |
| Cost of funding earning assets | 0.2130% | 4,859 |
| Net interest margin | 2.7364% | 5,323 |
| Noninterest income to average assets | 0.3736% | 3,885 |
| Noninterest expense to average assets | 1.2643% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7044% | 565 |
| Return on assets (ROA) | 1.9146% | 369 |
| Pretax return on assets | 1.9146% | 626 |
| Return on Equity (ROE) | 13.8588% | 835 |
| Retained earnings to average equity (ytd only) | 13.8588% | 189 |
| Net charge-offs to loans | -0.0053% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5875% | 5,559 |
| Assets per employee ($millions) | 9.2881% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 1,056 |
| Loan loss allowance to noncurrent loans | 22,000.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,319 |
| Noncurrent loans to loans | 0.0077% | 5,156 |
| Net loans and leases to total assets | 22.7802% | 5,663 |
| Net loans and leases to deposits | 27.8648% | 5,654 |
| Net loans and leases to core deposits | 28.3880% | 5,661 |
| Total domestic deposits to total assets | 81.7525% | 3,958 |
| Equity capital to assets | 14.9433% | 714 |
| Core capital (leverage) ratio | 14.1721% | 811 |
| Tier 1 risk-based capital ratio | 37.5784% | 250 |
| Total risk-based capital ratio | 38.6035% | 253 |
| Memoranda: | ||
| Average total assets | $171,316,330 | 3,263 |
| Average earning assets | $162,478,000 | 3,207 |
| Average equity | $23,667,330 | 2,812 |
| Average total loans | $37,854,000 | 4,878 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9080% | 5,533 |
| Cost of funding earning assets | 0.2020% | 4,963 |
| Net interest margin | 2.7060% | 5,387 |
| Noninterest income to average assets | 0.3461% | 4,075 |
| Noninterest expense to average assets | 1.2781% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6334% | 635 |
| Return on assets (ROA) | 1.8872% | 391 |
| Pretax return on assets | 1.8872% | 659 |
| Return on Equity (ROE) | 14.2202% | 763 |
| Retained earnings to average equity (ytd only) | 14.2202% | 282 |
| Net charge-offs to loans | 0.0107% | 2,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 708.0000% | 69 |
| Efficiency ratio | 43.8986% | 5,600 |
| Assets per employee ($millions) | 9.5465% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 1,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 21.3953% | 5,737 |
| Net loans and leases to deposits | 26.2452% | 5,722 |
| Net loans and leases to core deposits | 26.6765% | 5,725 |
| Total domestic deposits to total assets | 81.5209% | 4,292 |
| Equity capital to assets | 13.8102% | 967 |
| Core capital (leverage) ratio | 13.6411% | 926 |
| Tier 1 risk-based capital ratio | 37.3498% | 268 |
| Total risk-based capital ratio | 38.3996% | 268 |
| Memoranda: | ||
| Average total assets | $173,382,000 | 3,276 |
| Average earning assets | $164,376,000 | 3,210 |
| Average equity | $23,009,500 | 2,887 |
| Average total loans | $37,408,500 | 4,935 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8560% | 5,613 |
| Cost of funding earning assets | 0.1885% | 5,123 |
| Net interest margin | 2.6675% | 5,455 |
| Noninterest income to average assets | 0.3344% | 4,345 |
| Noninterest expense to average assets | 1.5093% | 5,710 |
| Loan and lease loss provision to assets | 0.0145% | 4,087 |
| Net operating income to assets | 1.3458% | 1,102 |
| Return on assets (ROA) | 1.4767% | 896 |
| Pretax return on assets | 1.4767% | 1,661 |
| Return on Equity (ROE) | 10.4044% | 1,803 |
| Retained earnings to average equity (ytd only) | 3.2332% | 3,614 |
| Net charge-offs to loans | 0.0054% | 4,064 |
| Credit loss provision to net charge-offs | 1,250.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 1,169.5000% | 56 |
| Efficiency ratio | 52.5942% | 5,340 |
| Assets per employee ($millions) | 9.7182% | 335 |
| Cash dividends to net income (ytd only)* | 68.9248% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 1,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 21.0002% | 5,791 |
| Net loans and leases to deposits | 25.3495% | 5,792 |
| Net loans and leases to core deposits | 25.7021% | 5,797 |
| Total domestic deposits to total assets | 82.8426% | 3,821 |
| Equity capital to assets | 12.7413% | 1,372 |
| Core capital (leverage) ratio | 13.0243% | 1,125 |
| Tier 1 risk-based capital ratio | 35.8099% | 298 |
| Total risk-based capital ratio | 36.8561% | 298 |
| Memoranda: | ||
| Average total assets | $171,936,200 | 3,263 |
| Average earning assets | $163,410,200 | 3,189 |
| Average equity | $24,403,200 | 2,766 |
| Average total loans | $36,737,600 | 4,995 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8704% | 5,679 |
| Cost of funding earning assets | 0.1898% | 5,180 |
| Net interest margin | 2.6807% | 5,514 |
| Noninterest income to average assets | 0.3232% | 4,462 |
| Noninterest expense to average assets | 1.2571% | 5,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6184% | 704 |
| Return on assets (ROA) | 1.7937% | 525 |
| Pretax return on assets | 1.7937% | 910 |
| Return on Equity (ROE) | 12.3159% | 1,224 |
| Retained earnings to average equity (ytd only) | 12.3159% | 267 |
| Net charge-offs to loans | 0.0073% | 3,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1,037.6779% | 73 |
| Efficiency ratio | 43.7161% | 5,752 |
| Assets per employee ($millions) | 10.3010% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 1,328 |
| Loan loss allowance to noncurrent loans | 63,400.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,551 |
| Noncurrent loans to loans | 0.0026% | 5,415 |
| Net loans and leases to total assets | 21.5998% | 5,850 |
| Net loans and leases to deposits | 27.0310% | 5,839 |
| Net loans and leases to core deposits | 27.4200% | 5,849 |
| Total domestic deposits to total assets | 79.9077% | 4,530 |
| Equity capital to assets | 15.1099% | 709 |
| Core capital (leverage) ratio | 14.2073% | 791 |
| Tier 1 risk-based capital ratio | 38.1220% | 261 |
| Total risk-based capital ratio | 39.1261% | 264 |
| Memoranda: | ||
| Average total assets | $171,188,500 | 3,282 |
| Average earning assets | $162,991,000 | 3,205 |
| Average equity | $24,932,000 | 2,747 |
| Average total loans | $36,573,500 | 5,040 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9243% | 5,712 |
| Cost of funding earning assets | 0.1907% | 5,235 |
| Net interest margin | 2.7336% | 5,529 |
| Noninterest income to average assets | 0.3226% | 4,476 |
| Noninterest expense to average assets | 1.2444% | 5,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6777% | 605 |
| Return on assets (ROA) | 1.9426% | 387 |
| Pretax return on assets | 1.9426% | 643 |
| Return on Equity (ROE) | 13.5120% | 926 |
| Retained earnings to average equity (ytd only) | 13.5120% | 214 |
| Net charge-offs to loans | 0.0056% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1,425.0000% | 29 |
| Efficiency ratio | 42.5866% | 5,855 |
| Assets per employee ($millions) | 9.9376% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 1,336 |
| Loan loss allowance to noncurrent loans | 63,500.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,646 |
| Noncurrent loans to loans | 0.0026% | 5,509 |
| Net loans and leases to total assets | 22.0950% | 5,915 |
| Net loans and leases to deposits | 27.7524% | 5,911 |
| Net loans and leases to core deposits | 28.0462% | 5,912 |
| Total domestic deposits to total assets | 79.6145% | 4,645 |
| Equity capital to assets | 15.2185% | 687 |
| Core capital (leverage) ratio | 14.1192% | 789 |
| Tier 1 risk-based capital ratio | 37.5270% | 273 |
| Total risk-based capital ratio | 38.5446% | 279 |
| Memoranda: | ||
| Average total assets | $169,879,000 | 3,307 |
| Average earning assets | $161,545,000 | 3,248 |
| Average equity | $24,422,670 | 2,798 |
| Average total loans | $35,945,000 | 5,110 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9286% | 5,756 |
| Cost of funding earning assets | 0.1901% | 5,283 |
| Net interest margin | 2.7384% | 5,556 |
| Noninterest income to average assets | 0.3146% | 4,475 |
| Noninterest expense to average assets | 1.2727% | 6,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6460% | 643 |
| Return on assets (ROA) | 2.1744% | 251 |
| Pretax return on assets | 2.1744% | 400 |
| Return on Equity (ROE) | 15.5768% | 592 |
| Retained earnings to average equity (ytd only) | 15.5768% | 214 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6042% | 5,882 |
| Assets per employee ($millions) | 9.8586% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 1,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 20.5637% | 5,986 |
| Net loans and leases to deposits | 25.6553% | 5,976 |
| Net loans and leases to core deposits | 25.9772% | 5,986 |
| Total domestic deposits to total assets | 80.1541% | 4,713 |
| Equity capital to assets | 14.6370% | 796 |
| Core capital (leverage) ratio | 13.5542% | 964 |
| Tier 1 risk-based capital ratio | 37.8858% | 268 |
| Total risk-based capital ratio | 38.9476% | 271 |
| Memoranda: | ||
| Average total assets | $170,349,000 | 3,321 |
| Average earning assets | $161,991,000 | 3,257 |
| Average equity | $23,779,000 | 2,853 |
| Average total loans | $34,936,500 | 5,178 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8774% | 5,833 |
| Cost of funding earning assets | 0.1866% | 5,386 |
| Net interest margin | 2.6908% | 5,659 |
| Noninterest income to average assets | 0.3317% | 4,525 |
| Noninterest expense to average assets | 1.4117% | 6,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4766% | 902 |
| Return on assets (ROA) | 1.5509% | 806 |
| Pretax return on assets | 1.5509% | 1,402 |
| Return on Equity (ROE) | 11.1390% | 1,567 |
| Retained earnings to average equity (ytd only) | 3.5758% | 3,515 |
| Net charge-offs to loans | -0.1475% | 5,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8758% | 5,805 |
| Assets per employee ($millions) | 10.1825% | 256 |
| Cash dividends to net income (ytd only)* | 67.8989% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 1,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 19.7207% | 6,052 |
| Net loans and leases to deposits | 24.1519% | 6,047 |
| Net loans and leases to core deposits | 24.4394% | 6,056 |
| Total domestic deposits to total assets | 81.6530% | 4,282 |
| Equity capital to assets | 13.3026% | 1,212 |
| Core capital (leverage) ratio | 12.7280% | 1,251 |
| Tier 1 risk-based capital ratio | 35.6602% | 324 |
| Total risk-based capital ratio | 36.7022% | 322 |
| Memoranda: | ||
| Average total assets | $170,933,800 | 3,289 |
| Average earning assets | $162,402,600 | 3,222 |
| Average equity | $23,799,200 | 2,802 |
| Average total loans | $34,581,400 | 5,204 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8864% | 5,902 |
| Cost of funding earning assets | 0.1868% | 5,480 |
| Net interest margin | 2.6996% | 5,723 |
| Noninterest income to average assets | 0.3263% | 4,604 |
| Noninterest expense to average assets | 1.1675% | 6,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7254% | 594 |
| Return on assets (ROA) | 1.8248% | 513 |
| Pretax return on assets | 1.8248% | 853 |
| Return on Equity (ROE) | 12.9594% | 1,131 |
| Retained earnings to average equity (ytd only) | 12.9594% | 281 |
| Net charge-offs to loans | -0.2317% | 6,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3570% | 6,127 |
| Assets per employee ($millions) | 9.9338% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9740% | 953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 18.9661% | 6,152 |
| Net loans and leases to deposits | 23.7377% | 6,140 |
| Net loans and leases to core deposits | 24.1337% | 6,148 |
| Total domestic deposits to total assets | 79.8987% | 4,773 |
| Equity capital to assets | 14.9312% | 753 |
| Core capital (leverage) ratio | 13.8267% | 906 |
| Tier 1 risk-based capital ratio | 39.3977% | 256 |
| Total risk-based capital ratio | 40.4908% | 256 |
| Memoranda: | ||
| Average total assets | $170,391,750 | 3,324 |
| Average earning assets | $161,997,000 | 3,254 |
| Average equity | $23,992,250 | 2,806 |
| Average total loans | $34,533,500 | 5,264 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9419% | 5,906 |
| Cost of funding earning assets | 0.1873% | 5,550 |
| Net interest margin | 2.7546% | 5,699 |
| Noninterest income to average assets | 0.3125% | 4,720 |
| Noninterest expense to average assets | 1.1293% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7987% | 519 |
| Return on assets (ROA) | 1.9474% | 417 |
| Pretax return on assets | 1.9474% | 667 |
| Return on Equity (ROE) | 14.1109% | 878 |
| Retained earnings to average equity (ytd only) | 14.1109% | 231 |
| Net charge-offs to loans | -0.3414% | 6,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5691% | 6,232 |
| Assets per employee ($millions) | 9.8780% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9250% | 1,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 19.5687% | 6,211 |
| Net loans and leases to deposits | 24.3021% | 6,214 |
| Net loans and leases to core deposits | 24.7057% | 6,213 |
| Total domestic deposits to total assets | 80.5230% | 4,740 |
| Equity capital to assets | 14.2777% | 886 |
| Core capital (leverage) ratio | 13.5586% | 969 |
| Tier 1 risk-based capital ratio | 38.8557% | 279 |
| Total risk-based capital ratio | 39.9656% | 279 |
| Memoranda: | ||
| Average total assets | $170,897,330 | 3,332 |
| Average earning assets | $162,273,670 | 3,271 |
| Average equity | $23,584,670 | 2,853 |
| Average total loans | $35,153,330 | 5,287 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0236% | 5,871 |
| Cost of funding earning assets | 0.1885% | 5,613 |
| Net interest margin | 2.8350% | 5,580 |
| Noninterest income to average assets | 0.3017% | 4,763 |
| Noninterest expense to average assets | 1.1579% | 6,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8308% | 460 |
| Return on assets (ROA) | 2.0814% | 312 |
| Pretax return on assets | 2.0814% | 502 |
| Return on Equity (ROE) | 15.3405% | 661 |
| Retained earnings to average equity (ytd only) | 15.3405% | 258 |
| Net charge-offs to loans | -0.6671% | 6,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7422% | 6,288 |
| Assets per employee ($millions) | 10.0468% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 1,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 20.6726% | 6,261 |
| Net loans and leases to deposits | 25.5875% | 6,257 |
| Net loans and leases to core deposits | 26.0031% | 6,258 |
| Total domestic deposits to total assets | 80.7917% | 4,866 |
| Equity capital to assets | 14.0958% | 954 |
| Core capital (leverage) ratio | 12.7764% | 1,242 |
| Tier 1 risk-based capital ratio | 35.3401% | 352 |
| Total risk-based capital ratio | 36.3851% | 354 |
| Memoranda: | ||
| Average total assets | $172,383,000 | 3,324 |
| Average earning assets | $163,384,000 | 3,274 |
| Average equity | $23,389,000 | 2,893 |
| Average total loans | $35,977,000 | 5,299 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 5,844 |
| Cost of funding earning assets | 0.1908% | 5,829 |
| Net interest margin | 3.0007% | 5,448 |
| Noninterest income to average assets | 0.3539% | 4,570 |
| Noninterest expense to average assets | 1.4883% | 6,302 |
| Loan and lease loss provision to assets | 0.0238% | 4,132 |
| Net operating income to assets | 1.6769% | 602 |
| Return on assets (ROA) | 1.9226% | 393 |
| Pretax return on assets | 1.9226% | 605 |
| Return on Equity (ROE) | 14.7486% | 820 |
| Retained earnings to average equity (ytd only) | 5.6220% | 2,184 |
| Net charge-offs to loans | 0.0170% | 4,526 |
| Credit loss provision to net charge-offs | 666.6667% | 395 |
| Earnings coverage of net charge-offs (x) | 476.5000% | 106 |
| Efficiency ratio | 46.6704% | 6,236 |
| Assets per employee ($millions) | 10.2335% | 230 |
| Cash dividends to net income (ytd only)* | 61.8812% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 2,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 20.3575% | 6,363 |
| Net loans and leases to deposits | 24.8476% | 6,361 |
| Net loans and leases to core deposits | 25.2654% | 6,361 |
| Total domestic deposits to total assets | 81.9296% | 4,445 |
| Equity capital to assets | 13.0500% | 1,351 |
| Core capital (leverage) ratio | 12.2314% | 1,487 |
| Tier 1 risk-based capital ratio | 33.9507% | 372 |
| Total risk-based capital ratio | 34.9002% | 371 |
| Memoranda: | ||
| Average total assets | $168,106,400 | 3,365 |
| Average earning assets | $158,827,200 | 3,303 |
| Average equity | $21,914,000 | 2,957 |
| Average total loans | $35,309,400 | 5,352 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2229% | 5,876 |
| Cost of funding earning assets | 0.1906% | 5,904 |
| Net interest margin | 3.0323% | 5,433 |
| Noninterest income to average assets | 0.3480% | 4,659 |
| Noninterest expense to average assets | 1.2226% | 6,478 |
| Loan and lease loss provision to assets | 0.0320% | 3,771 |
| Net operating income to assets | 1.9571% | 375 |
| Return on assets (ROA) | 2.2875% | 200 |
| Pretax return on assets | 2.2875% | 305 |
| Return on Equity (ROE) | 17.5528% | 485 |
| Retained earnings to average equity (ytd only) | 17.5528% | 124 |
| Net charge-offs to loans | 0.0266% | 3,971 |
| Credit loss provision to net charge-offs | 571.4286% | 511 |
| Earnings coverage of net charge-offs (x) | 355.2605% | 199 |
| Efficiency ratio | 38.0668% | 6,485 |
| Assets per employee ($millions) | 9.4798% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 2,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 20.3955% | 6,445 |
| Net loans and leases to deposits | 25.1636% | 6,433 |
| Net loans and leases to core deposits | 25.6036% | 6,437 |
| Total domestic deposits to total assets | 81.0515% | 4,808 |
| Equity capital to assets | 13.8312% | 1,059 |
| Core capital (leverage) ratio | 13.4639% | 1,012 |
| Tier 1 risk-based capital ratio | 36.7205% | 306 |
| Total risk-based capital ratio | 37.6719% | 305 |
| Memoranda: | ||
| Average total assets | $166,640,500 | 3,410 |
| Average earning assets | $157,370,750 | 3,339 |
| Average equity | $21,716,750 | 2,982 |
| Average total loans | $35,136,500 | 5,412 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2863% | 5,817 |
| Cost of funding earning assets | 0.1924% | 5,980 |
| Net interest margin | 3.0939% | 5,270 |
| Noninterest income to average assets | 0.3545% | 4,591 |
| Noninterest expense to average assets | 1.2074% | 6,551 |
| Loan and lease loss provision to assets | 0.0484% | 3,339 |
| Net operating income to assets | 2.0168% | 327 |
| Return on assets (ROA) | 2.4584% | 157 |
| Pretax return on assets | 2.4584% | 225 |
| Return on Equity (ROE) | 19.2710% | 341 |
| Retained earnings to average equity (ytd only) | 19.2710% | 97 |
| Net charge-offs to loans | 0.3423% | 1,187 |
| Credit loss provision to net charge-offs | 66.6667% | 2,524 |
| Earnings coverage of net charge-offs (x) | 28.4500% | 1,301 |
| Efficiency ratio | 36.8946% | 6,564 |
| Assets per employee ($millions) | 9.7170% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 2,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 5,358 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 20.4729% | 6,501 |
| Net loans and leases to deposits | 25.3383% | 6,500 |
| Net loans and leases to core deposits | 25.7476% | 6,496 |
| Total domestic deposits to total assets | 80.7984% | 5,043 |
| Equity capital to assets | 13.9162% | 1,004 |
| Core capital (leverage) ratio | 13.3572% | 1,032 |
| Tier 1 risk-based capital ratio | 36.0436% | 319 |
| Total risk-based capital ratio | 36.9249% | 323 |
| Memoranda: | ||
| Average total assets | $165,308,670 | 3,454 |
| Average earning assets | $155,917,670 | 3,378 |
| Average equity | $21,088,670 | 3,043 |
| Average total loans | $35,053,330 | 5,456 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3125% | 5,817 |
| Cost of funding earning assets | 0.1947% | 6,046 |
| Net interest margin | 3.1178% | 5,183 |
| Noninterest income to average assets | 0.3532% | 4,551 |
| Noninterest expense to average assets | 1.1780% | 6,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1189% | 275 |
| Return on assets (ROA) | 2.7526% | 125 |
| Pretax return on assets | 2.7526% | 171 |
| Return on Equity (ROE) | 22.6029% | 179 |
| Retained earnings to average equity (ytd only) | 22.6029% | 78 |
| Net charge-offs to loans | -0.1017% | 6,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7300% | 6,641 |
| Assets per employee ($millions) | 9.7215% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 2,834 |
| Loan loss allowance to noncurrent loans | 115.4639% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 5,279 |
| Noncurrent loans to loans | 1.3598% | 2,765 |
| Net loans and leases to total assets | 21.2429% | 6,556 |
| Net loans and leases to deposits | 25.8949% | 6,547 |
| Net loans and leases to core deposits | 26.3057% | 6,549 |
| Total domestic deposits to total assets | 82.0349% | 4,938 |
| Equity capital to assets | 12.6821% | 1,467 |
| Core capital (leverage) ratio | 12.6215% | 1,330 |
| Tier 1 risk-based capital ratio | 34.0791% | 379 |
| Total risk-based capital ratio | 34.9957% | 384 |
| Memoranda: | ||
| Average total assets | $165,368,500 | 3,476 |
| Average earning assets | $156,134,500 | 3,404 |
| Average equity | $20,139,000 | 3,161 |
| Average total loans | $35,405,000 | 5,491 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2541% | 6,068 |
| Cost of funding earning assets | 0.2224% | 6,161 |
| Net interest margin | 3.0317% | 5,504 |
| Noninterest income to average assets | 0.3541% | 4,777 |
| Noninterest expense to average assets | 1.5107% | 6,569 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7022% | 581 |
| Return on assets (ROA) | 1.7870% | 513 |
| Pretax return on assets | 1.7870% | 778 |
| Return on Equity (ROE) | 13.5775% | 1,043 |
| Retained earnings to average equity (ytd only) | 4.9902% | 2,607 |
| Net charge-offs to loans | 0.1214% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 66.1220% | 639 |
| Efficiency ratio | 47.0197% | 6,521 |
| Assets per employee ($millions) | 9.7336% | 252 |
| Cash dividends to net income (ytd only)* | 63.2467% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 2,893 |
| Loan loss allowance to noncurrent loans | 1,620.5882% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 6,344 |
| Noncurrent loans to loans | 0.0967% | 5,920 |
| Net loans and leases to total assets | 20.9050% | 6,657 |
| Net loans and leases to deposits | 25.1723% | 6,649 |
| Net loans and leases to core deposits | 25.6813% | 6,652 |
| Total domestic deposits to total assets | 83.0479% | 4,534 |
| Equity capital to assets | 11.6751% | 2,048 |
| Core capital (leverage) ratio | 12.2398% | 1,474 |
| Tier 1 risk-based capital ratio | 32.3325% | 421 |
| Total risk-based capital ratio | 33.2375% | 423 |
| Memoranda: | ||
| Average total assets | $159,264,000 | 3,574 |
| Average earning assets | $150,179,200 | 3,500 |
| Average equity | $20,961,200 | 3,046 |
| Average total loans | $33,779,600 | 5,587 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2239% | 6,165 |
| Cost of funding earning assets | 0.2314% | 6,213 |
| Net interest margin | 2.9924% | 5,616 |
| Noninterest income to average assets | 0.3508% | 4,882 |
| Noninterest expense to average assets | 1.2723% | 6,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8988% | 434 |
| Return on assets (ROA) | 2.0129% | 368 |
| Pretax return on assets | 2.0129% | 564 |
| Return on Equity (ROE) | 14.8541% | 825 |
| Retained earnings to average equity (ytd only) | 14.8541% | 209 |
| Net charge-offs to loans | 0.0439% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 204.1302% | 282 |
| Efficiency ratio | 40.1226% | 6,752 |
| Assets per employee ($millions) | 9.3122% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 2,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 6,292 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 21.2069% | 6,733 |
| Net loans and leases to deposits | 26.2751% | 6,722 |
| Net loans and leases to core deposits | 27.1223% | 6,726 |
| Total domestic deposits to total assets | 80.7109% | 5,300 |
| Equity capital to assets | 13.7745% | 1,029 |
| Core capital (leverage) ratio | 13.3277% | 1,089 |
| Tier 1 risk-based capital ratio | 35.9667% | 312 |
| Total risk-based capital ratio | 36.9608% | 312 |
| Memoranda: | ||
| Average total assets | $157,712,000 | 3,630 |
| Average earning assets | $148,637,500 | 3,562 |
| Average equity | $21,371,750 | 3,034 |
| Average total loans | $33,438,750 | 5,659 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1967% | 6,234 |
| Cost of funding earning assets | 0.2400% | 6,240 |
| Net interest margin | 2.9567% | 5,680 |
| Noninterest income to average assets | 0.3555% | 4,844 |
| Noninterest expense to average assets | 1.2291% | 6,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9109% | 417 |
| Return on assets (ROA) | 1.9236% | 438 |
| Pretax return on assets | 1.9236% | 710 |
| Return on Equity (ROE) | 14.2743% | 950 |
| Retained earnings to average equity (ytd only) | 14.2743% | 285 |
| Net charge-offs to loans | -0.0120% | 5,816 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1427% | 6,818 |
| Assets per employee ($millions) | 9.1391% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 2,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 6,315 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 21.8691% | 6,767 |
| Net loans and leases to deposits | 26.8213% | 6,757 |
| Net loans and leases to core deposits | 27.8692% | 6,754 |
| Total domestic deposits to total assets | 81.5364% | 5,206 |
| Equity capital to assets | 12.8439% | 1,404 |
| Core capital (leverage) ratio | 12.9701% | 1,175 |
| Tier 1 risk-based capital ratio | 34.2761% | 358 |
| Total risk-based capital ratio | 35.2864% | 360 |
| Memoranda: | ||
| Average total assets | $157,513,670 | 3,655 |
| Average earning assets | $148,341,670 | 3,591 |
| Average equity | $21,227,000 | 3,070 |
| Average total loans | $33,200,670 | 5,705 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1705% | 6,333 |
| Cost of funding earning assets | 0.2439% | 6,327 |
| Net interest margin | 2.9266% | 5,759 |
| Noninterest income to average assets | 0.3506% | 4,875 |
| Noninterest expense to average assets | 1.1905% | 6,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9144% | 394 |
| Return on assets (ROA) | 1.9396% | 413 |
| Pretax return on assets | 1.9396% | 675 |
| Return on Equity (ROE) | 14.0694% | 951 |
| Retained earnings to average equity (ytd only) | 14.0694% | 440 |
| Net charge-offs to loans | -0.0369% | 5,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3428% | 6,898 |
| Assets per employee ($millions) | 9.2911% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 2,674 |
| Loan loss allowance to noncurrent loans | 59,500.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 6,421 |
| Noncurrent loans to loans | 0.0030% | 6,517 |
| Net loans and leases to total assets | 20.7340% | 6,840 |
| Net loans and leases to deposits | 25.7509% | 6,826 |
| Net loans and leases to core deposits | 26.6968% | 6,830 |
| Total domestic deposits to total assets | 80.5176% | 5,625 |
| Equity capital to assets | 13.9641% | 1,039 |
| Core capital (leverage) ratio | 12.4636% | 1,351 |
| Tier 1 risk-based capital ratio | 33.5616% | 393 |
| Total risk-based capital ratio | 34.5905% | 394 |
| Memoranda: | ||
| Average total assets | $158,588,000 | 3,678 |
| Average earning assets | $149,250,500 | 3,609 |
| Average equity | $21,863,000 | 3,042 |
| Average total loans | $32,515,500 | 5,773 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3155% | 6,567 |
| Cost of funding earning assets | 0.2739% | 6,574 |
| Net interest margin | 3.0416% | 5,948 |
| Noninterest income to average assets | 0.3609% | 4,901 |
| Noninterest expense to average assets | 1.4644% | 6,888 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.7573% | 551 |
| Return on assets (ROA) | 1.9154% | 462 |
| Pretax return on assets | 1.9154% | 728 |
| Return on Equity (ROE) | 13.8662% | 1,013 |
| Retained earnings to average equity (ytd only) | 4.7467% | 2,884 |
| Net charge-offs to loans | 0.1005% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 434 |
| Efficiency ratio | 45.4545% | 6,801 |
| Assets per employee ($millions) | 9.3664% | 291 |
| Cash dividends to net income (ytd only)* | 65.7678% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8683% | 2,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 6,471 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 19.5286% | 6,929 |
| Net loans and leases to deposits | 24.1346% | 6,928 |
| Net loans and leases to core deposits | 25.0600% | 6,919 |
| Total domestic deposits to total assets | 80.9154% | 5,430 |
| Equity capital to assets | 13.6094% | 1,188 |
| Core capital (leverage) ratio | 12.0532% | 1,542 |
| Tier 1 risk-based capital ratio | 32.7880% | 408 |
| Total risk-based capital ratio | 33.8294% | 407 |
| Memoranda: | ||
| Average total assets | $158,762,800 | 3,640 |
| Average earning assets | $149,327,000 | 3,569 |
| Average equity | $21,931,000 | 2,979 |
| Average total loans | $30,835,400 | 5,907 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3671% | 6,659 |
| Cost of funding earning assets | 0.2822% | 6,688 |
| Net interest margin | 3.0849% | 5,971 |
| Noninterest income to average assets | 0.3471% | 5,040 |
| Noninterest expense to average assets | 1.1959% | 7,081 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0540% | 357 |
| Return on assets (ROA) | 2.2649% | 280 |
| Pretax return on assets | 2.2649% | 426 |
| Return on Equity (ROE) | 16.3357% | 691 |
| Retained earnings to average equity (ytd only) | 16.3357% | 181 |
| Net charge-offs to loans | 0.1350% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 78.8432% | 522 |
| Efficiency ratio | 36.7986% | 7,063 |
| Assets per employee ($millions) | 9.2151% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 2,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 6,598 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 19.8510% | 7,028 |
| Net loans and leases to deposits | 25.2431% | 7,017 |
| Net loans and leases to core deposits | 26.3186% | 7,015 |
| Total domestic deposits to total assets | 78.6393% | 5,946 |
| Equity capital to assets | 15.4452% | 714 |
| Core capital (leverage) ratio | 13.0756% | 1,161 |
| Tier 1 risk-based capital ratio | 36.8074% | 313 |
| Total risk-based capital ratio | 37.8811% | 310 |
| Memoranda: | ||
| Average total assets | $158,646,500 | 3,679 |
| Average earning assets | $149,281,750 | 3,602 |
| Average equity | $21,996,250 | 2,993 |
| Average total loans | $30,622,500 | 5,996 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3746% | 6,747 |
| Cost of funding earning assets | 0.2923% | 6,763 |
| Net interest margin | 3.0822% | 6,053 |
| Noninterest income to average assets | 0.3352% | 5,150 |
| Noninterest expense to average assets | 1.1136% | 7,167 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1204% | 327 |
| Return on assets (ROA) | 2.4355% | 219 |
| Pretax return on assets | 2.4355% | 326 |
| Return on Equity (ROE) | 18.2477% | 481 |
| Retained earnings to average equity (ytd only) | 18.2477% | 138 |
| Net charge-offs to loans | 0.1850% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 60.3214% | 632 |
| Efficiency ratio | 34.4332% | 7,133 |
| Assets per employee ($millions) | 9.5439% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 6,668 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 18.5914% | 7,099 |
| Net loans and leases to deposits | 23.0291% | 7,101 |
| Net loans and leases to core deposits | 24.0071% | 7,102 |
| Total domestic deposits to total assets | 80.7300% | 5,548 |
| Equity capital to assets | 13.8961% | 1,143 |
| Core capital (leverage) ratio | 12.3955% | 1,400 |
| Tier 1 risk-based capital ratio | 34.7196% | 355 |
| Total risk-based capital ratio | 35.7770% | 351 |
| Memoranda: | ||
| Average total assets | $159,309,670 | 3,677 |
| Average earning assets | $149,825,670 | 3,607 |
| Average equity | $21,263,000 | 3,081 |
| Average total loans | $30,266,670 | 6,054 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3668% | 6,845 |
| Cost of funding earning assets | 0.3049% | 6,828 |
| Net interest margin | 3.0620% | 6,154 |
| Noninterest income to average assets | 0.3294% | 5,227 |
| Noninterest expense to average assets | 1.1733% | 7,216 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0324% | 396 |
| Return on assets (ROA) | 2.6685% | 173 |
| Pretax return on assets | 2.6685% | 267 |
| Return on Equity (ROE) | 20.4253% | 363 |
| Retained earnings to average equity (ytd only) | 20.4253% | 180 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6008% | 7,172 |
| Assets per employee ($millions) | 9.2855% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1071% | 2,086 |
| Loan loss allowance to noncurrent loans | 506.5041% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 6,691 |
| Noncurrent loans to loans | 0.4160% | 5,838 |
| Net loans and leases to total assets | 18.3359% | 7,167 |
| Net loans and leases to deposits | 22.6132% | 7,159 |
| Net loans and leases to core deposits | 23.7911% | 7,156 |
| Total domestic deposits to total assets | 81.0851% | 5,581 |
| Equity capital to assets | 13.3275% | 1,302 |
| Core capital (leverage) ratio | 11.9653% | 1,607 |
| Tier 1 risk-based capital ratio | 34.2227% | 359 |
| Total risk-based capital ratio | 35.3659% | 354 |
| Memoranda: | ||
| Average total assets | $157,841,000 | 3,723 |
| Average earning assets | $148,269,500 | 3,654 |
| Average equity | $20,621,500 | 3,150 |
| Average total loans | $30,020,500 | 6,111 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5791% | 6,946 |
| Cost of funding earning assets | 0.4277% | 6,810 |
| Net interest margin | 3.1514% | 6,212 |
| Noninterest income to average assets | 0.3786% | 4,801 |
| Noninterest expense to average assets | 1.5078% | 7,163 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8319% | 434 |
| Return on assets (ROA) | 2.1129% | 279 |
| Pretax return on assets | 2.1129% | 432 |
| Return on Equity (ROE) | 16.0762% | 590 |
| Retained earnings to average equity (ytd only) | 5.9686% | 2,035 |
| Net charge-offs to loans | 0.0373% | 5,942 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 250.7273% | 136 |
| Efficiency ratio | 45.1472% | 7,085 |
| Assets per employee ($millions) | 9.2840% | 296 |
| Cash dividends to net income (ytd only)* | 62.8733% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0444% | 2,143 |
| Loan loss allowance to noncurrent loans | 3,115.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 6,955 |
| Noncurrent loans to loans | 0.0656% | 6,650 |
| Net loans and leases to total assets | 18.9136% | 7,221 |
| Net loans and leases to deposits | 23.1766% | 7,219 |
| Net loans and leases to core deposits | 24.4238% | 7,212 |
| Total domestic deposits to total assets | 81.6066% | 5,264 |
| Equity capital to assets | 12.8019% | 1,598 |
| Core capital (leverage) ratio | 11.5511% | 1,844 |
| Tier 1 risk-based capital ratio | 32.3849% | 414 |
| Total risk-based capital ratio | 33.5315% | 409 |
| Memoranda: | ||
| Average total assets | $150,551,400 | 3,789 |
| Average earning assets | $141,461,600 | 3,716 |
| Average equity | $19,787,000 | 3,184 |
| Average total loans | $29,482,200 | 6,182 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 6,962 |
| Cost of funding earning assets | 0.4565% | 6,862 |
| Net interest margin | 3.2106% | 6,136 |
| Noninterest income to average assets | 0.3666% | 4,937 |
| Noninterest expense to average assets | 1.2523% | 7,328 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.1344% | 279 |
| Return on assets (ROA) | 2.5136% | 159 |
| Pretax return on assets | 2.5136% | 241 |
| Return on Equity (ROE) | 18.9944% | 384 |
| Retained earnings to average equity (ytd only) | 18.9944% | 92 |
| Net charge-offs to loans | 0.0365% | 5,637 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 297.5248% | 128 |
| Efficiency ratio | 36.9772% | 7,306 |
| Assets per employee ($millions) | 8.9588% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0857% | 2,102 |
| Loan loss allowance to noncurrent loans | 62,600.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 7,096 |
| Noncurrent loans to loans | 0.0033% | 6,964 |
| Net loans and leases to total assets | 19.2961% | 7,293 |
| Net loans and leases to deposits | 24.2193% | 7,292 |
| Net loans and leases to core deposits | 25.3918% | 7,287 |
| Total domestic deposits to total assets | 79.6724% | 5,827 |
| Equity capital to assets | 14.5351% | 980 |
| Core capital (leverage) ratio | 13.2487% | 1,128 |
| Tier 1 risk-based capital ratio | 36.6997% | 309 |
| Total risk-based capital ratio | 37.8950% | 301 |
| Memoranda: | ||
| Average total assets | $148,732,250 | 3,844 |
| Average earning assets | $139,906,750 | 3,769 |
| Average equity | $19,682,500 | 3,195 |
| Average total loans | $29,234,250 | 6,253 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6748% | 7,032 |
| Cost of funding earning assets | 0.4863% | 6,886 |
| Net interest margin | 3.1884% | 6,199 |
| Noninterest income to average assets | 0.3701% | 4,908 |
| Noninterest expense to average assets | 1.2091% | 7,424 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1648% | 275 |
| Return on assets (ROA) | 2.6392% | 145 |
| Pretax return on assets | 2.6392% | 202 |
| Return on Equity (ROE) | 20.6421% | 278 |
| Retained earnings to average equity (ytd only) | 20.6421% | 84 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8377% | 7,394 |
| Assets per employee ($millions) | 8.5150% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 1,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 19.6995% | 7,372 |
| Net loans and leases to deposits | 25.0902% | 7,359 |
| Net loans and leases to core deposits | 26.5248% | 7,358 |
| Total domestic deposits to total assets | 78.5147% | 6,185 |
| Equity capital to assets | 14.2544% | 1,012 |
| Core capital (leverage) ratio | 12.5562% | 1,330 |
| Tier 1 risk-based capital ratio | 36.3507% | 315 |
| Total risk-based capital ratio | 37.6017% | 310 |
| Memoranda: | ||
| Average total assets | $147,543,000 | 3,893 |
| Average earning assets | $139,002,000 | 3,805 |
| Average equity | $18,864,330 | 3,281 |
| Average total loans | $28,974,330 | 6,326 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 7,183 |
| Cost of funding earning assets | 0.5040% | 6,955 |
| Net interest margin | 3.0382% | 6,494 |
| Noninterest income to average assets | 0.3679% | 4,969 |
| Noninterest expense to average assets | 1.2086% | 7,483 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0250% | 337 |
| Return on assets (ROA) | 2.6374% | 158 |
| Pretax return on assets | 2.6374% | 210 |
| Return on Equity (ROE) | 21.8471% | 252 |
| Retained earnings to average equity (ytd only) | 21.8471% | 136 |
| Net charge-offs to loans | 0.0277% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 377.0000% | 73 |
| Efficiency ratio | 37.3754% | 7,425 |
| Assets per employee ($millions) | 9.3514% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1932% | 1,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 18.8368% | 7,442 |
| Net loans and leases to deposits | 23.0920% | 7,441 |
| Net loans and leases to core deposits | 25.2545% | 7,424 |
| Total domestic deposits to total assets | 81.5729% | 5,467 |
| Equity capital to assets | 12.3892% | 1,689 |
| Core capital (leverage) ratio | 11.7901% | 1,684 |
| Tier 1 risk-based capital ratio | 34.4651% | 364 |
| Total risk-based capital ratio | 35.7151% | 354 |
| Memoranda: | ||
| Average total assets | $148,937,000 | 3,896 |
| Average earning assets | $140,477,500 | 3,810 |
| Average equity | $17,979,500 | 3,397 |
| Average total loans | $28,886,500 | 6,378 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 7,035 |
| Cost of funding earning assets | 0.6957% | 6,902 |
| Net interest margin | 3.4145% | 5,577 |
| Noninterest income to average assets | 0.8244% | 2,168 |
| Noninterest expense to average assets | 1.6234% | 7,393 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.3851% | 135 |
| Return on assets (ROA) | 2.7598% | 87 |
| Pretax return on assets | 2.7598% | 147 |
| Return on Equity (ROE) | 20.7999% | 209 |
| Retained earnings to average equity (ytd only) | 9.2627% | 648 |
| Net charge-offs to loans | -0.0421% | 7,431 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4983% | 7,502 |
| Assets per employee ($millions) | 8.7207% | 376 |
| Cash dividends to net income (ytd only)* | 55.4675% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 1,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 19.1046% | 7,526 |
| Net loans and leases to deposits | 23.2560% | 7,534 |
| Net loans and leases to core deposits | 25.3761% | 7,518 |
| Total domestic deposits to total assets | 82.1493% | 5,139 |
| Equity capital to assets | 11.7516% | 2,082 |
| Core capital (leverage) ratio | 11.6262% | 1,765 |
| Tier 1 risk-based capital ratio | 32.8682% | 410 |
| Total risk-based capital ratio | 34.1175% | 404 |
| Memoranda: | ||
| Average total assets | $137,184,200 | 4,114 |
| Average earning assets | $127,923,600 | 4,066 |
| Average equity | $18,202,000 | 3,396 |
| Average total loans | $28,500,800 | 6,474 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 6,965 |
| Cost of funding earning assets | 0.7371% | 6,953 |
| Net interest margin | 3.5629% | 5,050 |
| Noninterest income to average assets | 0.4275% | 4,741 |
| Noninterest expense to average assets | 1.3421% | 7,618 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.3984% | 167 |
| Return on assets (ROA) | 2.9083% | 91 |
| Pretax return on assets | 2.9083% | 135 |
| Return on Equity (ROE) | 21.2493% | 240 |
| Retained earnings to average equity (ytd only) | 21.2493% | 66 |
| Net charge-offs to loans | -0.0564% | 7,484 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8791% | 7,634 |
| Assets per employee ($millions) | 8.1159% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1014% | 1,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 21.4074% | 7,606 |
| Net loans and leases to deposits | 27.0501% | 7,604 |
| Net loans and leases to core deposits | 30.0187% | 7,581 |
| Total domestic deposits to total assets | 79.1398% | 5,990 |
| Equity capital to assets | 14.3088% | 1,082 |
| Core capital (leverage) ratio | 13.0128% | 1,223 |
| Tier 1 risk-based capital ratio | 35.5700% | 335 |
| Total risk-based capital ratio | 36.8166% | 330 |
| Memoranda: | ||
| Average total assets | $134,417,250 | 4,224 |
| Average earning assets | $124,989,250 | 4,185 |
| Average equity | $18,397,000 | 3,408 |
| Average total loans | $28,386,750 | 6,564 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 6,772 |
| Cost of funding earning assets | 0.7653% | 7,019 |
| Net interest margin | 3.6985% | 4,375 |
| Noninterest income to average assets | 0.4413% | 4,597 |
| Noninterest expense to average assets | 1.2955% | 7,711 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.5774% | 128 |
| Return on assets (ROA) | 3.2439% | 71 |
| Pretax return on assets | 3.2439% | 99 |
| Return on Equity (ROE) | 24.0798% | 147 |
| Retained earnings to average equity (ytd only) | 24.0798% | 54 |
| Net charge-offs to loans | -0.0864% | 7,534 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4496% | 7,722 |
| Assets per employee ($millions) | 7.4898% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 1,634 |
| Loan loss allowance to noncurrent loans | 63,400.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 7,435 |
| Noncurrent loans to loans | 0.0036% | 7,334 |
| Net loans and leases to total assets | 20.2357% | 7,686 |
| Net loans and leases to deposits | 25.8380% | 7,690 |
| Net loans and leases to core deposits | 28.8233% | 7,670 |
| Total domestic deposits to total assets | 78.3179% | 6,198 |
| Equity capital to assets | 14.2320% | 1,093 |
| Core capital (leverage) ratio | 12.7894% | 1,286 |
| Tier 1 risk-based capital ratio | 35.1091% | 346 |
| Total risk-based capital ratio | 36.3604% | 338 |
| Memoranda: | ||
| Average total assets | $133,232,670 | 4,273 |
| Average earning assets | $123,617,670 | 4,241 |
| Average equity | $17,948,670 | 3,475 |
| Average total loans | $27,792,330 | 6,647 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 6,606 |
| Cost of funding earning assets | 0.7860% | 7,132 |
| Net interest margin | 3.7963% | 3,813 |
| Noninterest income to average assets | 0.4349% | 4,609 |
| Noninterest expense to average assets | 1.2776% | 7,812 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.6729% | 119 |
| Return on assets (ROA) | 2.7695% | 114 |
| Pretax return on assets | 2.7695% | 165 |
| Return on Equity (ROE) | 21.1662% | 319 |
| Retained earnings to average equity (ytd only) | 21.1662% | 172 |
| Net charge-offs to loans | -0.1731% | 7,645 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3394% | 7,830 |
| Assets per employee ($millions) | 7.4231% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2728% | 1,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 20.4025% | 7,778 |
| Net loans and leases to deposits | 25.7943% | 7,783 |
| Net loans and leases to core deposits | 29.1060% | 7,756 |
| Total domestic deposits to total assets | 79.0968% | 6,055 |
| Equity capital to assets | 13.3824% | 1,372 |
| Core capital (leverage) ratio | 12.0134% | 1,648 |
| Tier 1 risk-based capital ratio | 32.6271% | 417 |
| Total risk-based capital ratio | 33.8783% | 412 |
| Memoranda: | ||
| Average total assets | $132,441,000 | 4,351 |
| Average earning assets | $122,647,000 | 4,311 |
| Average equity | $17,329,500 | 3,598 |
| Average total loans | $27,731,000 | 6,735 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 6,633 |
| Cost of funding earning assets | 0.9766% | 7,246 |
| Net interest margin | 3.9542% | 3,059 |
| Noninterest income to average assets | 0.4694% | 4,654 |
| Noninterest expense to average assets | 1.7192% | 7,682 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.4144% | 101 |
| Return on assets (ROA) | 2.4707% | 101 |
| Pretax return on assets | 2.4707% | 165 |
| Return on Equity (ROE) | 18.2678% | 346 |
| Retained earnings to average equity (ytd only) | 5.7882% | 1,432 |
| Net charge-offs to loans | 0.3443% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 33.0110% | 703 |
| Efficiency ratio | 41.5905% | 7,836 |
| Assets per employee ($millions) | 7.2926% | 715 |
| Cash dividends to net income (ytd only)* | 68.3149% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2563% | 1,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 20.5270% | 7,859 |
| Net loans and leases to deposits | 25.7963% | 7,865 |
| Net loans and leases to core deposits | 34.4270% | 7,832 |
| Total domestic deposits to total assets | 79.5735% | 5,821 |
| Equity capital to assets | 12.7817% | 1,604 |
| Core capital (leverage) ratio | 11.7607% | 1,776 |
| Tier 1 risk-based capital ratio | 31.7458% | 450 |
| Total risk-based capital ratio | 32.9483% | 440 |
| Memoranda: | ||
| Average total assets | $124,420,000 | 4,461 |
| Average earning assets | $115,294,600 | 4,411 |
| Average equity | $16,827,400 | 3,707 |
| Average total loans | $26,430,000 | 6,834 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 6,573 |
| Cost of funding earning assets | 1.0085% | 7,371 |
| Net interest margin | 4.0024% | 2,811 |
| Noninterest income to average assets | 0.4553% | 4,867 |
| Noninterest expense to average assets | 1.4082% | 7,919 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.7686% | 75 |
| Return on assets (ROA) | 2.8446% | 75 |
| Pretax return on assets | 2.8446% | 122 |
| Return on Equity (ROE) | 20.7282% | 277 |
| Retained earnings to average equity (ytd only) | 20.7282% | 54 |
| Net charge-offs to loans | 0.3876% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 33.5266% | 860 |
| Efficiency ratio | 33.7149% | 7,989 |
| Assets per employee ($millions) | 6.9793% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3528% | 1,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 21.0439% | 7,943 |
| Net loans and leases to deposits | 27.2847% | 7,932 |
| Net loans and leases to core deposits | 36.8296% | 7,890 |
| Total domestic deposits to total assets | 77.1269% | 6,307 |
| Equity capital to assets | 14.8661% | 1,044 |
| Core capital (leverage) ratio | 13.4321% | 1,250 |
| Tier 1 risk-based capital ratio | 36.5957% | 346 |
| Total risk-based capital ratio | 37.8473% | 333 |
| Memoranda: | ||
| Average total assets | $122,708,500 | 4,529 |
| Average earning assets | $114,095,750 | 4,478 |
| Average equity | $16,839,750 | 3,738 |
| Average total loans | $26,145,750 | 6,910 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 6,368 |
| Cost of funding earning assets | 1.0391% | 7,479 |
| Net interest margin | 4.0769% | 2,406 |
| Noninterest income to average assets | 0.4485% | 4,859 |
| Noninterest expense to average assets | 1.3866% | 8,018 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.8455% | 72 |
| Return on assets (ROA) | 2.9605% | 70 |
| Pretax return on assets | 2.9605% | 106 |
| Return on Equity (ROE) | 22.2090% | 228 |
| Retained earnings to average equity (ytd only) | 22.2090% | 59 |
| Net charge-offs to loans | 0.0077% | 6,476 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1,732.0000% | 13 |
| Efficiency ratio | 32.7640% | 8,091 |
| Assets per employee ($millions) | 6.8614% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7268% | 726 |
| Loan loss allowance to noncurrent loans | 3,236.3636% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 7,585 |
| Noncurrent loans to loans | 0.0843% | 7,315 |
| Net loans and leases to total assets | 20.5652% | 8,032 |
| Net loans and leases to deposits | 26.5655% | 8,024 |
| Net loans and leases to core deposits | 35.5808% | 7,986 |
| Total domestic deposits to total assets | 77.4131% | 6,227 |
| Equity capital to assets | 13.6861% | 1,427 |
| Core capital (leverage) ratio | 13.0837% | 1,402 |
| Tier 1 risk-based capital ratio | 35.5464% | 400 |
| Total risk-based capital ratio | 36.8006% | 399 |
| Memoranda: | ||
| Average total assets | $121,735,330 | 4,587 |
| Average earning assets | $112,977,000 | 4,539 |
| Average equity | $16,227,670 | 3,879 |
| Average total loans | $25,836,330 | 6,975 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2528% | 6,102 |
| Cost of funding earning assets | 1.0677% | 7,569 |
| Net interest margin | 4.1851% | 1,952 |
| Noninterest income to average assets | 0.4468% | 4,808 |
| Noninterest expense to average assets | 1.3570% | 8,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.9690% | 70 |
| Return on assets (ROA) | 2.9954% | 80 |
| Pretax return on assets | 2.9954% | 130 |
| Return on Equity (ROE) | 22.7816% | 271 |
| Retained earnings to average equity (ytd only) | 22.7816% | 115 |
| Net charge-offs to loans | 0.0156% | 5,363 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 897.0000% | 16 |
| Efficiency ratio | 31.3695% | 8,144 |
| Assets per employee ($millions) | 6.6619% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7750% | 595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 20.8031% | 8,075 |
| Net loans and leases to deposits | 26.7302% | 8,078 |
| Net loans and leases to core deposits | 33.4504% | 8,054 |
| Total domestic deposits to total assets | 77.8260% | 6,072 |
| Equity capital to assets | 13.7656% | 1,431 |
| Core capital (leverage) ratio | 12.2550% | 1,784 |
| Tier 1 risk-based capital ratio | 34.6071% | 454 |
| Total risk-based capital ratio | 35.8628% | 436 |
| Memoranda: | ||
| Average total assets | $120,850,500 | 4,625 |
| Average earning assets | $112,016,000 | 4,586 |
| Average equity | $15,890,000 | 3,966 |
| Average total loans | $25,699,000 | 7,015 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5171% | 7,261 |
| Cost of funding earning assets | 1.5681% | 7,502 |
| Net interest margin | 3.9490% | 3,365 |
| Noninterest income to average assets | 0.5395% | 4,328 |
| Noninterest expense to average assets | 1.7139% | 7,851 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.4126% | 152 |
| Return on assets (ROA) | 2.4126% | 151 |
| Pretax return on assets | 2.4200% | 236 |
| Return on Equity (ROE) | 17.7952% | 547 |
| Retained earnings to average equity (ytd only) | 4.6699% | 2,221 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4590% | 8,089 |
| Assets per employee ($millions) | 6.7659% | 783 |
| Cash dividends to net income (ytd only)* | 73.7578% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7700% | 533 |
| Loan loss allowance to noncurrent loans | 35,650.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 7,661 |
| Noncurrent loans to loans | 0.0078% | 7,524 |
| Net loans and leases to total assets | 20.5500% | 8,147 |
| Net loans and leases to deposits | 27.2441% | 8,146 |
| Net loans and leases to core deposits | 33.9879% | 8,126 |
| Total domestic deposits to total assets | 75.4290% | 6,357 |
| Equity capital to assets | 12.5409% | 1,989 |
| Core capital (leverage) ratio | 11.6476% | 2,158 |
| Tier 1 risk-based capital ratio | 32.5455% | 525 |
| Total risk-based capital ratio | 33.8018% | 512 |
| Memoranda: | ||
| Average total assets | $106,774,800 | 4,859 |
| Average earning assets | $97,189,600 | 4,887 |
| Average equity | $14,475,800 | 4,243 |
| Average total loans | $25,919,400 | 6,973 |