Home > Murphy-Wall State Bank and Trust Company > Performance and Condition Ratios
Murphy-Wall State Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6629% | 1,749 |
| Cost of funding earning assets | 1.1213% | 3,851 |
| Net interest margin | 4.5416% | 585 |
| Noninterest income to average assets | 0.6300% | 1,240 |
| Noninterest expense to average assets | 3.4727% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0020% | 2,264 |
| Return on assets (ROA) | 1.0020% | 2,266 |
| Pretax return on assets | 1.3443% | 1,861 |
| Return on Equity (ROE) | 10.8800% | 2,061 |
| Retained earnings to average equity (ytd only) | 5.2015% | 2,517 |
| Net charge-offs to loans | 0.2166% | 511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 9.9692% | 1,718 |
| Efficiency ratio | 71.6624% | 1,651 |
| Assets per employee ($millions) | 3.7619% | 4,159 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 2,485 |
| Loan loss allowance to noncurrent loans | 107.6806% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 946 |
| Noncurrent loans to loans | 1.0647% | 1,000 |
| Net loans and leases to total assets | 60.1000% | 2,865 |
| Net loans and leases to deposits | 67.1566% | 3,055 |
| Net loans and leases to core deposits | 76.6721% | 2,914 |
| Total domestic deposits to total assets | 89.5000% | 988 |
| Equity capital to assets | 9.9397% | 2,254 |
| Core capital (leverage) ratio | 11.4849% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $192,821,000 | 3,060 |
| Average earning assets | $177,646,000 | 3,059 |
| Average equity | $17,764,000 | 3,164 |
| Average total loans | $120,058,000 | 3,024 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1680% | 2,805 |
| Cost of funding earning assets | 1.1811% | 3,835 |
| Net interest margin | 3.9870% | 1,203 |
| Noninterest income to average assets | 0.6600% | 1,305 |
| Noninterest expense to average assets | 3.2104% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.8382% | 2,585 |
| Return on assets (ROA) | 0.7906% | 2,727 |
| Pretax return on assets | 1.0432% | 2,408 |
| Return on Equity (ROE) | 9.2300% | 2,397 |
| Retained earnings to average equity (ytd only) | 4.8182% | 2,309 |
| Net charge-offs to loans | 0.0018% | 2,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 989.5000% | 134 |
| Efficiency ratio | 74.4216% | 1,503 |
| Assets per employee ($millions) | 3.6499% | 4,187 |
| Cash dividends to net income (ytd only)* | 47.8138% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 1,816 |
| Loan loss allowance to noncurrent loans | 80.2275% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.0608% | 616 |
| Noncurrent loans to loans | 1.5832% | 583 |
| Net loans and leases to total assets | 63.0800% | 2,663 |
| Net loans and leases to deposits | 69.1604% | 3,011 |
| Net loans and leases to core deposits | 80.0274% | 2,778 |
| Total domestic deposits to total assets | 91.2100% | 461 |
| Equity capital to assets | 8.4034% | 3,274 |
| Core capital (leverage) ratio | 10.8619% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $179,354,400 | 3,128 |
| Average earning assets | $164,260,000 | 3,140 |
| Average equity | $15,358,400 | 3,312 |
| Average total loans | $113,456,800 | 3,066 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1219% | 2,814 |
| Cost of funding earning assets | 1.1858% | 3,835 |
| Net interest margin | 3.9361% | 1,241 |
| Noninterest income to average assets | 0.6600% | 1,273 |
| Noninterest expense to average assets | 3.1852% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.8266% | 2,605 |
| Return on assets (ROA) | 0.7594% | 2,823 |
| Pretax return on assets | 0.9990% | 2,553 |
| Return on Equity (ROE) | 8.8300% | 2,509 |
| Retained earnings to average equity (ytd only) | 7.2809% | 1,646 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.6065% | 1,523 |
| Assets per employee ($millions) | 3.6508% | 4,209 |
| Cash dividends to net income (ytd only)* | 17.5025% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 1,628 |
| Loan loss allowance to noncurrent loans | 89.6073% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 717 |
| Noncurrent loans to loans | 1.4720% | 644 |
| Net loans and leases to total assets | 62.0200% | 2,731 |
| Net loans and leases to deposits | 68.7240% | 3,075 |
| Net loans and leases to core deposits | 80.6326% | 2,771 |
| Total domestic deposits to total assets | 90.2500% | 521 |
| Equity capital to assets | 9.1734% | 2,902 |
| Core capital (leverage) ratio | 11.0376% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $178,568,750 | 3,135 |
| Average earning assets | $163,712,250 | 3,144 |
| Average equity | $15,364,000 | 3,316 |
| Average total loans | $112,670,500 | 3,075 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 2,837 |
| Cost of funding earning assets | 1.1417% | 3,869 |
| Net interest margin | 3.9191% | 1,237 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 3.1435% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8503% | 2,461 |
| Return on assets (ROA) | 0.8450% | 2,490 |
| Pretax return on assets | 1.1162% | 2,167 |
| Return on Equity (ROE) | 10.0400% | 2,174 |
| Retained earnings to average equity (ytd only) | 7.6722% | 1,465 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 73.6801% | 1,673 |
| Assets per employee ($millions) | 3.7116% | 4,223 |
| Cash dividends to net income (ytd only)* | 23.6074% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 1,648 |
| Loan loss allowance to noncurrent loans | 89.1226% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9800% | 619 |
| Noncurrent loans to loans | 1.4826% | 588 |
| Net loans and leases to total assets | 62.1600% | 2,745 |
| Net loans and leases to deposits | 68.4138% | 3,097 |
| Net loans and leases to core deposits | 79.8505% | 2,815 |
| Total domestic deposits to total assets | 90.8600% | 491 |
| Equity capital to assets | 8.5452% | 3,068 |
| Core capital (leverage) ratio | 10.9719% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $178,462,667 | 3,140 |
| Average earning assets | $163,967,333 | 3,149 |
| Average equity | $15,015,333 | 3,320 |
| Average total loans | $112,750,333 | 3,075 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0749% | 2,636 |
| Cost of funding earning assets | 1.2008% | 3,724 |
| Net interest margin | 3.8741% | 1,260 |
| Noninterest income to average assets | 0.6400% | 1,224 |
| Noninterest expense to average assets | 3.1420% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8121% | 2,505 |
| Return on assets (ROA) | 0.8174% | 2,510 |
| Pretax return on assets | 1.0794% | 2,189 |
| Return on Equity (ROE) | 9.7900% | 2,189 |
| Retained earnings to average equity (ytd only) | 7.2966% | 1,742 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.5484% | 1,685 |
| Assets per employee ($millions) | 3.6601% | 4,236 |
| Cash dividends to net income (ytd only)* | 25.4795% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 1,649 |
| Loan loss allowance to noncurrent loans | 84.4052% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0254% | 557 |
| Noncurrent loans to loans | 1.5747% | 498 |
| Net loans and leases to total assets | 61.3900% | 2,724 |
| Net loans and leases to deposits | 67.4461% | 3,071 |
| Net loans and leases to core deposits | 77.4259% | 2,890 |
| Total domestic deposits to total assets | 91.0200% | 522 |
| Equity capital to assets | 8.2940% | 3,165 |
| Core capital (leverage) ratio | 10.2308% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $178,614,500 | 3,144 |
| Average earning assets | $164,890,500 | 3,150 |
| Average equity | $14,911,000 | 3,334 |
| Average total loans | $113,008,500 | 3,077 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 2,760 |
| Cost of funding earning assets | 0.7613% | 3,834 |
| Net interest margin | 3.9030% | 1,368 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 3.0393% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9899% | 2,254 |
| Return on assets (ROA) | 0.9113% | 2,479 |
| Pretax return on assets | 1.2075% | 2,117 |
| Return on Equity (ROE) | 11.6600% | 2,050 |
| Retained earnings to average equity (ytd only) | 8.9188% | 1,275 |
| Net charge-offs to loans | -0.0497% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.8882% | 1,893 |
| Assets per employee ($millions) | 3.7847% | 4,226 |
| Cash dividends to net income (ytd only)* | 23.4921% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 1,786 |
| Loan loss allowance to noncurrent loans | 105.4765% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 649 |
| Noncurrent loans to loans | 1.2286% | 578 |
| Net loans and leases to total assets | 63.5000% | 2,509 |
| Net loans and leases to deposits | 69.6971% | 2,907 |
| Net loans and leases to core deposits | 79.0898% | 2,761 |
| Total domestic deposits to total assets | 91.1100% | 477 |
| Equity capital to assets | 8.4028% | 3,118 |
| Core capital (leverage) ratio | 10.6721% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $172,835,600 | 3,176 |
| Average earning assets | $158,287,800 | 3,179 |
| Average equity | $13,510,800 | 3,378 |
| Average total loans | $106,716,200 | 3,113 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 2,620 |
| Cost of funding earning assets | 0.7231% | 3,717 |
| Net interest margin | 3.9031% | 1,392 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 3.0338% | 1,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0348% | 2,264 |
| Return on assets (ROA) | 0.9170% | 2,611 |
| Pretax return on assets | 1.2154% | 2,259 |
| Return on Equity (ROE) | 11.9600% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.3775% | 1,581 |
| Net charge-offs to loans | -0.0674% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.9223% | 1,914 |
| Assets per employee ($millions) | 3.6448% | 4,285 |
| Cash dividends to net income (ytd only)* | 21.6102% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 1,586 |
| Loan loss allowance to noncurrent loans | 109.3658% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 687 |
| Noncurrent loans to loans | 1.2516% | 616 |
| Net loans and leases to total assets | 63.7300% | 2,472 |
| Net loans and leases to deposits | 69.5086% | 2,873 |
| Net loans and leases to core deposits | 79.7054% | 2,624 |
| Total domestic deposits to total assets | 91.6900% | 520 |
| Equity capital to assets | 7.7376% | 3,218 |
| Core capital (leverage) ratio | 10.5327% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $171,574,000 | 3,193 |
| Average earning assets | $157,100,500 | 3,201 |
| Average equity | $13,151,750 | 3,405 |
| Average total loans | $104,785,500 | 3,127 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 2,646 |
| Cost of funding earning assets | 0.6772% | 3,548 |
| Net interest margin | 3.8217% | 1,578 |
| Noninterest income to average assets | 0.9000% | 691 |
| Noninterest expense to average assets | 2.9825% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0766% | 2,188 |
| Return on assets (ROA) | 0.8966% | 2,752 |
| Pretax return on assets | 1.1881% | 2,392 |
| Return on Equity (ROE) | 11.7300% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.1588% | 1,641 |
| Net charge-offs to loans | -0.0019% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.7275% | 2,010 |
| Assets per employee ($millions) | 3.5306% | 4,341 |
| Cash dividends to net income (ytd only)* | 21.9355% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 1,716 |
| Loan loss allowance to noncurrent loans | 101.0593% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8721% | 569 |
| Noncurrent loans to loans | 1.3353% | 532 |
| Net loans and leases to total assets | 61.7300% | 2,600 |
| Net loans and leases to deposits | 67.5040% | 2,949 |
| Net loans and leases to core deposits | 77.0379% | 2,684 |
| Total domestic deposits to total assets | 91.4400% | 518 |
| Equity capital to assets | 8.0162% | 3,206 |
| Core capital (leverage) ratio | 10.1899% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $172,878,000 | 3,196 |
| Average earning assets | $158,306,333 | 3,201 |
| Average equity | $13,211,333 | 3,415 |
| Average total loans | $103,600,667 | 3,134 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 2,801 |
| Cost of funding earning assets | 0.6332% | 3,283 |
| Net interest margin | 3.6673% | 1,980 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 2.9350% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1877% | 1,965 |
| Return on assets (ROA) | 0.8202% | 3,085 |
| Pretax return on assets | 1.0814% | 2,762 |
| Return on Equity (ROE) | 10.9900% | 2,491 |
| Retained earnings to average equity (ytd only) | 8.3842% | 2,121 |
| Net charge-offs to loans | -0.0039% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.3374% | 2,291 |
| Assets per employee ($millions) | 3.8059% | 4,326 |
| Cash dividends to net income (ytd only)* | 23.7430% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 1,703 |
| Loan loss allowance to noncurrent loans | 98.5537% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 512 |
| Noncurrent loans to loans | 1.4001% | 474 |
| Net loans and leases to total assets | 58.4200% | 2,830 |
| Net loans and leases to deposits | 63.8519% | 3,101 |
| Net loans and leases to core deposits | 73.4845% | 2,718 |
| Total domestic deposits to total assets | 91.4900% | 649 |
| Equity capital to assets | 7.7870% | 3,392 |
| Core capital (leverage) ratio | 9.7860% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $174,582,500 | 3,227 |
| Average earning assets | $160,445,000 | 3,228 |
| Average equity | $13,024,500 | 3,473 |
| Average total loans | $102,381,000 | 3,183 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 2,057 |
| Cost of funding earning assets | 0.2350% | 3,462 |
| Net interest margin | 3.6367% | 1,533 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 3.0787% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8072% | 3,303 |
| Return on assets (ROA) | 0.7728% | 3,357 |
| Pretax return on assets | 0.9940% | 3,090 |
| Return on Equity (ROE) | 9.4200% | 2,991 |
| Retained earnings to average equity (ytd only) | 6.6308% | 2,398 |
| Net charge-offs to loans | 0.2022% | 411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 9.0847% | 2,237 |
| Efficiency ratio | 74.6477% | 1,155 |
| Assets per employee ($millions) | 3.6269% | 4,408 |
| Cash dividends to net income (ytd only)* | 29.6325% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 1,449 |
| Loan loss allowance to noncurrent loans | 100.1401% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 519 |
| Noncurrent loans to loans | 1.4131% | 469 |
| Net loans and leases to total assets | 57.2200% | 2,894 |
| Net loans and leases to deposits | 63.8621% | 3,054 |
| Net loans and leases to core deposits | 73.5899% | 2,602 |
| Total domestic deposits to total assets | 89.6100% | 1,512 |
| Equity capital to assets | 7.1319% | 3,597 |
| Core capital (leverage) ratio | 10.1647% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $165,493,000 | 3,303 |
| Average earning assets | $153,599,800 | 3,287 |
| Average equity | $13,573,000 | 3,518 |
| Average total loans | $93,483,800 | 3,238 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 1,667 |
| Cost of funding earning assets | 0.1775% | 3,542 |
| Net interest margin | 3.6502% | 1,268 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 3.1001% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8370% | 3,111 |
| Return on assets (ROA) | 0.7861% | 3,261 |
| Pretax return on assets | 1.0105% | 2,985 |
| Return on Equity (ROE) | 9.2600% | 2,950 |
| Retained earnings to average equity (ytd only) | 6.4346% | 2,581 |
| Net charge-offs to loans | 0.2751% | 244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.9683% | 2,090 |
| Efficiency ratio | 74.0958% | 1,265 |
| Assets per employee ($millions) | 3.4515% | 4,488 |
| Cash dividends to net income (ytd only)* | 30.5296% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 1,316 |
| Loan loss allowance to noncurrent loans | 118.0842% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 606 |
| Noncurrent loans to loans | 1.2630% | 580 |
| Net loans and leases to total assets | 58.2300% | 2,671 |
| Net loans and leases to deposits | 63.0324% | 2,939 |
| Net loans and leases to core deposits | 67.4642% | 2,845 |
| Total domestic deposits to total assets | 92.3800% | 753 |
| Equity capital to assets | 7.1304% | 3,439 |
| Core capital (leverage) ratio | 10.4668% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $163,343,250 | 3,349 |
| Average earning assets | $151,695,000 | 3,334 |
| Average equity | $13,862,250 | 3,531 |
| Average total loans | $91,591,500 | 3,272 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7333% | 1,460 |
| Cost of funding earning assets | 0.1861% | 3,102 |
| Net interest margin | 3.5472% | 1,188 |
| Noninterest income to average assets | 0.8246% | 991 |
| Noninterest expense to average assets | 3.0516% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8432% | 2,805 |
| Return on assets (ROA) | 0.7660% | 3,048 |
| Pretax return on assets | 0.9822% | 2,789 |
| Return on Equity (ROE) | 8.5730% | 2,838 |
| Retained earnings to average equity (ytd only) | 5.9888% | 2,338 |
| Net charge-offs to loans | 0.6122% | 106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 3.2029% | 2,006 |
| Efficiency ratio | 73.7138% | 1,543 |
| Assets per employee ($millions) | 3.4746% | 4,551 |
| Cash dividends to net income (ytd only)* | 30.1435% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 1,582 |
| Loan loss allowance to noncurrent loans | 219.0865% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6705% | 815 |
| Noncurrent loans to loans | 0.6589% | 1,303 |
| Net loans and leases to total assets | 56.1444% | 2,740 |
| Net loans and leases to deposits | 61.2375% | 2,953 |
| Net loans and leases to core deposits | 64.1762% | 2,951 |
| Total domestic deposits to total assets | 91.6830% | 973 |
| Equity capital to assets | 7.7781% | 3,288 |
| Core capital (leverage) ratio | 9.9957% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,717,000 | 3,377 |
| Average earning assets | $152,628,333 | 3,371 |
| Average equity | $14,627,333 | 3,531 |
| Average total loans | $90,160,000 | 3,325 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5846% | 1,551 |
| Cost of funding earning assets | 0.1922% | 2,911 |
| Net interest margin | 3.3924% | 1,316 |
| Noninterest income to average assets | 0.7638% | 1,138 |
| Noninterest expense to average assets | 2.9941% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7407% | 2,889 |
| Return on assets (ROA) | 0.7272% | 2,940 |
| Pretax return on assets | 0.9395% | 2,633 |
| Return on Equity (ROE) | 7.6459% | 2,827 |
| Retained earnings to average equity (ytd only) | 5.0032% | 2,594 |
| Net charge-offs to loans | 0.4373% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 4.0412% | 1,637 |
| Efficiency ratio | 75.6022% | 1,574 |
| Assets per employee ($millions) | 3.5753% | 4,534 |
| Cash dividends to net income (ytd only)* | 34.5638% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 1,011 |
| Loan loss allowance to noncurrent loans | 123.8405% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9510% | 545 |
| Noncurrent loans to loans | 1.3940% | 614 |
| Net loans and leases to total assets | 52.6812% | 2,921 |
| Net loans and leases to deposits | 58.0245% | 3,075 |
| Net loans and leases to core deposits | 60.9586% | 3,066 |
| Total domestic deposits to total assets | 90.7912% | 1,137 |
| Equity capital to assets | 8.7637% | 2,915 |
| Core capital (leverage) ratio | 9.6709% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,923,500 | 3,390 |
| Average earning assets | $153,991,000 | 3,374 |
| Average equity | $15,590,000 | 3,506 |
| Average total loans | $88,725,500 | 3,346 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 1,652 |
| Cost of funding earning assets | 0.2457% | 2,983 |
| Net interest margin | 3.6402% | 1,366 |
| Noninterest income to average assets | 0.8235% | 1,396 |
| Noninterest expense to average assets | 3.0304% | 938 |
| Loan and lease loss provision to assets | 0.2163% | 476 |
| Net operating income to assets | 0.7729% | 3,413 |
| Return on assets (ROA) | 0.7869% | 3,440 |
| Pretax return on assets | 0.9969% | 3,266 |
| Return on Equity (ROE) | 7.5133% | 3,372 |
| Retained earnings to average equity (ytd only) | 4.8136% | 2,853 |
| Net charge-offs to loans | 0.3197% | 264 |
| Credit loss provision to net charge-offs | 118.7500% | 1,655 |
| Earnings coverage of net charge-offs (x) | 6.5625% | 2,390 |
| Efficiency ratio | 71.5611% | 1,558 |
| Assets per employee ($millions) | 3.5518% | 4,572 |
| Cash dividends to net income (ytd only)* | 35.9325% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 841 |
| Loan loss allowance to noncurrent loans | 88.1808% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 433 |
| Noncurrent loans to loans | 2.0563% | 382 |
| Net loans and leases to total assets | 53.6583% | 2,892 |
| Net loans and leases to deposits | 59.9454% | 3,080 |
| Net loans and leases to core deposits | 63.0390% | 3,069 |
| Total domestic deposits to total assets | 89.5118% | 1,231 |
| Equity capital to assets | 10.2623% | 2,411 |
| Core capital (leverage) ratio | 9.6113% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,096,800 | 3,412 |
| Average earning assets | $147,764,800 | 3,396 |
| Average equity | $16,557,400 | 3,499 |
| Average total loans | $90,080,400 | 3,336 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 1,797 |
| Cost of funding earning assets | 0.2572% | 3,044 |
| Net interest margin | 3.6296% | 1,526 |
| Noninterest income to average assets | 0.8079% | 1,494 |
| Noninterest expense to average assets | 3.0302% | 916 |
| Loan and lease loss provision to assets | 0.2781% | 303 |
| Net operating income to assets | 0.7054% | 3,752 |
| Return on assets (ROA) | 0.7169% | 3,793 |
| Pretax return on assets | 0.8989% | 3,698 |
| Return on Equity (ROE) | 6.8099% | 3,718 |
| Retained earnings to average equity (ytd only) | 4.0310% | 3,572 |
| Net charge-offs to loans | 0.3899% | 196 |
| Credit loss provision to net charge-offs | 123.8636% | 1,446 |
| Earnings coverage of net charge-offs (x) | 5.1780% | 2,233 |
| Efficiency ratio | 72.1095% | 1,392 |
| Assets per employee ($millions) | 3.5691% | 4,616 |
| Cash dividends to net income (ytd only)* | 40.8066% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 980 |
| Loan loss allowance to noncurrent loans | 43.2404% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 2.3853% | 132 |
| Noncurrent loans to loans | 4.1014% | 124 |
| Net loans and leases to total assets | 56.1425% | 2,714 |
| Net loans and leases to deposits | 62.7971% | 2,972 |
| Net loans and leases to core deposits | 66.3974% | 2,919 |
| Total domestic deposits to total assets | 89.4030% | 1,073 |
| Equity capital to assets | 10.4040% | 2,529 |
| Core capital (leverage) ratio | 9.8573% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,775,000 | 3,457 |
| Average earning assets | $146,200,750 | 3,447 |
| Average equity | $16,505,000 | 3,552 |
| Average total loans | $90,278,500 | 3,376 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 1,469 |
| Cost of funding earning assets | 0.2671% | 3,112 |
| Net interest margin | 3.7737% | 1,180 |
| Noninterest income to average assets | 0.7537% | 1,663 |
| Noninterest expense to average assets | 3.0007% | 982 |
| Loan and lease loss provision to assets | 0.3794% | 186 |
| Net operating income to assets | 0.7066% | 3,746 |
| Return on assets (ROA) | 0.7190% | 3,778 |
| Pretax return on assets | 0.8965% | 3,671 |
| Return on Equity (ROE) | 6.8019% | 3,703 |
| Retained earnings to average equity (ytd only) | 3.6504% | 3,631 |
| Net charge-offs to loans | 0.5815% | 134 |
| Credit loss provision to net charge-offs | 113.0268% | 1,293 |
| Earnings coverage of net charge-offs (x) | 3.7548% | 2,059 |
| Efficiency ratio | 70.2686% | 1,602 |
| Assets per employee ($millions) | 3.5246% | 4,664 |
| Cash dividends to net income (ytd only)* | 46.3327% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7688% | 936 |
| Loan loss allowance to noncurrent loans | 41.9245% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 2.4463% | 143 |
| Noncurrent loans to loans | 4.2189% | 120 |
| Net loans and leases to total assets | 55.9893% | 2,900 |
| Net loans and leases to deposits | 62.7459% | 3,128 |
| Net loans and leases to core deposits | 66.5884% | 3,064 |
| Total domestic deposits to total assets | 89.2319% | 1,173 |
| Equity capital to assets | 10.4232% | 2,464 |
| Core capital (leverage) ratio | 9.7640% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,496,333 | 3,474 |
| Average earning assets | $144,526,000 | 3,473 |
| Average equity | $16,436,667 | 3,563 |
| Average total loans | $89,771,667 | 3,404 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 1,478 |
| Cost of funding earning assets | 0.2792% | 3,194 |
| Net interest margin | 3.7837% | 1,176 |
| Noninterest income to average assets | 0.7821% | 1,628 |
| Noninterest expense to average assets | 2.9960% | 1,002 |
| Loan and lease loss provision to assets | 0.4859% | 139 |
| Net operating income to assets | 0.6638% | 3,792 |
| Return on assets (ROA) | 0.6912% | 3,794 |
| Pretax return on assets | 0.8549% | 3,709 |
| Return on Equity (ROE) | 6.4922% | 3,730 |
| Retained earnings to average equity (ytd only) | 3.3437% | 3,676 |
| Net charge-offs to loans | 1.1581% | 61 |
| Credit loss provision to net charge-offs | 72.2008% | 1,238 |
| Earnings coverage of net charge-offs (x) | 1.9421% | 1,827 |
| Efficiency ratio | 69.4444% | 1,762 |
| Assets per employee ($millions) | 3.4226% | 4,723 |
| Cash dividends to net income (ytd only)* | 48.4962% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 1,147 |
| Loan loss allowance to noncurrent loans | 36.8278% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 2.6055% | 145 |
| Noncurrent loans to loans | 4.5065% | 104 |
| Net loans and leases to total assets | 56.1900% | 3,013 |
| Net loans and leases to deposits | 62.8695% | 3,232 |
| Net loans and leases to core deposits | 67.4749% | 3,111 |
| Total domestic deposits to total assets | 89.3756% | 1,138 |
| Equity capital to assets | 10.2484% | 2,482 |
| Core capital (leverage) ratio | 9.7782% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,941,000 | 3,490 |
| Average earning assets | $143,247,000 | 3,481 |
| Average equity | $16,389,000 | 3,572 |
| Average total loans | $89,456,500 | 3,418 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 2,278 |
| Cost of funding earning assets | 0.4506% | 3,274 |
| Net interest margin | 3.6998% | 1,803 |
| Noninterest income to average assets | 0.9934% | 1,052 |
| Noninterest expense to average assets | 3.2494% | 973 |
| Loan and lease loss provision to assets | 0.4699% | 572 |
| Net operating income to assets | 0.5776% | 3,821 |
| Return on assets (ROA) | 0.5821% | 3,914 |
| Pretax return on assets | 0.7202% | 3,844 |
| Return on Equity (ROE) | 5.1608% | 3,860 |
| Retained earnings to average equity (ytd only) | 1.5760% | 4,002 |
| Net charge-offs to loans | 0.0178% | 2,735 |
| Credit loss provision to net charge-offs | 4,493.3333% | 236 |
| Earnings coverage of net charge-offs (x) | 113.2667% | 731 |
| Efficiency ratio | 73.1289% | 1,551 |
| Assets per employee ($millions) | 3.1342% | 4,782 |
| Cash dividends to net income (ytd only)* | 69.4611% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7593% | 934 |
| Loan loss allowance to noncurrent loans | 30.1425% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 3.5223% | 79 |
| Noncurrent loans to loans | 5.8367% | 56 |
| Net loans and leases to total assets | 58.0884% | 3,075 |
| Net loans and leases to deposits | 65.6554% | 3,307 |
| Net loans and leases to core deposits | 71.3353% | 3,145 |
| Total domestic deposits to total assets | 88.4747% | 1,243 |
| Equity capital to assets | 11.0627% | 2,201 |
| Core capital (leverage) ratio | 9.7751% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,441,600 | 3,476 |
| Average earning assets | $133,386,400 | 3,463 |
| Average equity | $16,179,800 | 3,532 |
| Average total loans | $84,275,800 | 3,491 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 2,335 |
| Cost of funding earning assets | 0.4814% | 3,349 |
| Net interest margin | 3.7396% | 1,795 |
| Noninterest income to average assets | 1.0097% | 1,006 |
| Noninterest expense to average assets | 3.3048% | 904 |
| Loan and lease loss provision to assets | 0.3310% | 1,173 |
| Net operating income to assets | 0.6875% | 3,496 |
| Return on assets (ROA) | 0.6897% | 3,593 |
| Pretax return on assets | 0.8563% | 3,501 |
| Return on Equity (ROE) | 6.0838% | 3,529 |
| Retained earnings to average equity (ytd only) | 1.9837% | 3,938 |
| Net charge-offs to loans | -0.0096% | 4,219 |
| Credit loss provision to net charge-offs | -5,866.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4437% | 1,467 |
| Assets per employee ($millions) | 3.3402% | 4,727 |
| Cash dividends to net income (ytd only)* | 67.3943% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 1,475 |
| Loan loss allowance to noncurrent loans | 26.2241% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 3.1741% | 134 |
| Noncurrent loans to loans | 5.6024% | 80 |
| Net loans and leases to total assets | 55.1719% | 3,694 |
| Net loans and leases to deposits | 64.1354% | 3,787 |
| Net loans and leases to core deposits | 69.7130% | 3,642 |
| Total domestic deposits to total assets | 86.0240% | 2,057 |
| Equity capital to assets | 10.7479% | 2,590 |
| Core capital (leverage) ratio | 10.0047% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0115% | 1,051 |
| Memoranda: | ||
| Average total assets | $141,691,250 | 3,477 |
| Average earning assets | $131,846,750 | 3,474 |
| Average equity | $16,064,000 | 3,542 |
| Average total loans | $83,106,000 | 3,526 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 2,407 |
| Cost of funding earning assets | 0.5176% | 3,427 |
| Net interest margin | 3.8076% | 1,818 |
| Noninterest income to average assets | 0.9702% | 1,036 |
| Noninterest expense to average assets | 3.3347% | 942 |
| Loan and lease loss provision to assets | 0.3152% | 1,359 |
| Net operating income to assets | 0.6899% | 3,425 |
| Return on assets (ROA) | 0.6899% | 3,527 |
| Pretax return on assets | 0.8569% | 3,435 |
| Return on Equity (ROE) | 5.9696% | 3,518 |
| Retained earnings to average equity (ytd only) | 0.8420% | 4,129 |
| Net charge-offs to loans | -0.0122% | 4,262 |
| Credit loss provision to net charge-offs | -4,340.0000% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8318% | 1,479 |
| Assets per employee ($millions) | 3.2619% | 4,759 |
| Cash dividends to net income (ytd only)* | 85.8947% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 1,953 |
| Loan loss allowance to noncurrent loans | 31.6424% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.4566% | 231 |
| Noncurrent loans to loans | 4.1379% | 157 |
| Net loans and leases to total assets | 56.7153% | 3,629 |
| Net loans and leases to deposits | 66.2703% | 3,696 |
| Net loans and leases to core deposits | 72.2035% | 3,582 |
| Total domestic deposits to total assets | 85.5818% | 2,172 |
| Equity capital to assets | 10.8900% | 2,428 |
| Core capital (leverage) ratio | 10.4211% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0323% | 1,052 |
| Memoranda: | ||
| Average total assets | $137,705,333 | 3,508 |
| Average earning assets | $127,902,000 | 3,500 |
| Average equity | $15,914,000 | 3,558 |
| Average total loans | $82,129,667 | 3,541 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 2,327 |
| Cost of funding earning assets | 0.5395% | 3,747 |
| Net interest margin | 3.9543% | 1,518 |
| Noninterest income to average assets | 0.7603% | 1,430 |
| Noninterest expense to average assets | 3.3299% | 1,174 |
| Loan and lease loss provision to assets | 0.3862% | 792 |
| Net operating income to assets | 0.5839% | 3,646 |
| Return on assets (ROA) | 0.5839% | 3,706 |
| Pretax return on assets | 0.6994% | 3,688 |
| Return on Equity (ROE) | 4.8914% | 3,671 |
| Retained earnings to average equity (ytd only) | 1.9362% | 3,466 |
| Net charge-offs to loans | -0.0050% | 3,868 |
| Credit loss provision to net charge-offs | -12,700.0000% | 3,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2066% | 1,660 |
| Assets per employee ($millions) | 3.0308% | 4,778 |
| Cash dividends to net income (ytd only)* | 60.4167% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,449 |
| Loan loss allowance to noncurrent loans | 28.2978% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.8286% | 221 |
| Noncurrent loans to loans | 4.3836% | 158 |
| Net loans and leases to total assets | 61.7327% | 3,330 |
| Net loans and leases to deposits | 70.3303% | 3,563 |
| Net loans and leases to core deposits | 77.3109% | 3,399 |
| Total domestic deposits to total assets | 87.7754% | 1,198 |
| Equity capital to assets | 11.6839% | 2,298 |
| Core capital (leverage) ratio | 11.3069% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6832% | 1,033 |
| Memoranda: | ||
| Average total assets | $131,535,000 | 3,569 |
| Average earning assets | $121,590,000 | 3,559 |
| Average equity | $15,701,000 | 3,587 |
| Average total loans | $80,080,500 | 3,580 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 3,011 |
| Cost of funding earning assets | 0.5128% | 4,035 |
| Net interest margin | 3.9679% | 1,949 |
| Noninterest income to average assets | 0.7721% | 1,538 |
| Noninterest expense to average assets | 3.4415% | 1,043 |
| Loan and lease loss provision to assets | 0.1793% | 1,163 |
| Net operating income to assets | 0.6565% | 3,998 |
| Return on assets (ROA) | 0.7189% | 3,868 |
| Pretax return on assets | 0.8808% | 3,790 |
| Return on Equity (ROE) | 5.9781% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.4040% | 2,227 |
| Net charge-offs to loans | 0.1140% | 1,598 |
| Credit loss provision to net charge-offs | 265.8824% | 1,042 |
| Earnings coverage of net charge-offs (x) | 14.5882% | 2,278 |
| Efficiency ratio | 77.5865% | 1,194 |
| Assets per employee ($millions) | 2.9481% | 4,848 |
| Cash dividends to net income (ytd only)* | 9.6026% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,551 |
| Loan loss allowance to noncurrent loans | 25.8635% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 2.8393% | 200 |
| Noncurrent loans to loans | 4.5610% | 122 |
| Net loans and leases to total assets | 58.5109% | 3,726 |
| Net loans and leases to deposits | 67.0441% | 3,894 |
| Net loans and leases to core deposits | 73.4037% | 3,768 |
| Total domestic deposits to total assets | 87.2722% | 1,475 |
| Equity capital to assets | 12.1966% | 2,016 |
| Core capital (leverage) ratio | 11.4054% | 2,185 |
| Tier 1 risk-based capital ratio | 18.7207% | 1,585 |
| Total risk-based capital ratio | 19.8676% | 1,578 |
| Memoranda: | ||
| Average total assets | $126,020,000 | 3,616 |
| Average earning assets | $116,029,800 | 3,621 |
| Average equity | $15,155,400 | 3,625 |
| Average total loans | $74,577,600 | 3,690 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 3,164 |
| Cost of funding earning assets | 0.5061% | 4,114 |
| Net interest margin | 3.9593% | 2,076 |
| Noninterest income to average assets | 0.7535% | 1,580 |
| Noninterest expense to average assets | 3.4948% | 960 |
| Loan and lease loss provision to assets | 0.1695% | 1,093 |
| Net operating income to assets | 0.6140% | 4,259 |
| Return on assets (ROA) | 0.6256% | 4,279 |
| Pretax return on assets | 0.7471% | 4,246 |
| Return on Equity (ROE) | 5.2215% | 4,271 |
| Retained earnings to average equity (ytd only) | 4.4476% | 3,169 |
| Net charge-offs to loans | 0.1315% | 1,210 |
| Credit loss provision to net charge-offs | 217.8082% | 1,229 |
| Earnings coverage of net charge-offs (x) | 11.6029% | 2,432 |
| Efficiency ratio | 79.4716% | 968 |
| Assets per employee ($millions) | 2.9888% | 4,899 |
| Cash dividends to net income (ytd only)* | 14.8214% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 2,954 |
| Loan loss allowance to noncurrent loans | 22.9071% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 3.0540% | 182 |
| Noncurrent loans to loans | 4.8665% | 108 |
| Net loans and leases to total assets | 58.7356% | 3,804 |
| Net loans and leases to deposits | 67.2976% | 3,969 |
| Net loans and leases to core deposits | 73.2329% | 3,876 |
| Total domestic deposits to total assets | 87.2775% | 1,387 |
| Equity capital to assets | 12.1646% | 2,143 |
| Core capital (leverage) ratio | 11.2383% | 2,435 |
| Tier 1 risk-based capital ratio | 18.7452% | 1,624 |
| Total risk-based capital ratio | 19.8479% | 1,631 |
| Memoranda: | ||
| Average total assets | $125,096,000 | 3,662 |
| Average earning assets | $115,136,000 | 3,665 |
| Average equity | $14,989,000 | 3,672 |
| Average total loans | $74,021,000 | 3,739 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 3,312 |
| Cost of funding earning assets | 0.4941% | 4,140 |
| Net interest margin | 3.9126% | 2,211 |
| Noninterest income to average assets | 0.7019% | 1,704 |
| Noninterest expense to average assets | 3.4964% | 964 |
| Loan and lease loss provision to assets | 0.2453% | 633 |
| Net operating income to assets | 0.4916% | 4,537 |
| Return on assets (ROA) | 0.5099% | 4,543 |
| Pretax return on assets | 0.5841% | 4,572 |
| Return on Equity (ROE) | 4.2778% | 4,523 |
| Retained earnings to average equity (ytd only) | 3.1000% | 3,671 |
| Net charge-offs to loans | 0.0519% | 1,903 |
| Credit loss provision to net charge-offs | 800.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 26.3684% | 1,572 |
| Efficiency ratio | 81.2219% | 860 |
| Assets per employee ($millions) | 2.7932% | 5,017 |
| Cash dividends to net income (ytd only)* | 27.5316% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,335 |
| Loan loss allowance to noncurrent loans | 23.9850% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 3.1672% | 174 |
| Noncurrent loans to loans | 5.1473% | 99 |
| Net loans and leases to total assets | 57.1530% | 3,993 |
| Net loans and leases to deposits | 65.3676% | 4,138 |
| Net loans and leases to core deposits | 71.2250% | 4,050 |
| Total domestic deposits to total assets | 87.4332% | 1,371 |
| Equity capital to assets | 12.1205% | 2,106 |
| Core capital (leverage) ratio | 11.4818% | 2,186 |
| Tier 1 risk-based capital ratio | 19.2885% | 1,485 |
| Total risk-based capital ratio | 20.5083% | 1,460 |
| Memoranda: | ||
| Average total assets | $123,954,670 | 3,702 |
| Average earning assets | $114,145,330 | 3,700 |
| Average equity | $14,774,000 | 3,697 |
| Average total loans | $73,248,670 | 3,777 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 3,110 |
| Cost of funding earning assets | 0.4775% | 4,169 |
| Net interest margin | 3.9543% | 2,007 |
| Noninterest income to average assets | 0.6532% | 1,811 |
| Noninterest expense to average assets | 3.4870% | 985 |
| Loan and lease loss provision to assets | 0.2535% | 569 |
| Net operating income to assets | 0.4814% | 4,568 |
| Return on assets (ROA) | 0.4842% | 4,583 |
| Pretax return on assets | 0.5492% | 4,596 |
| Return on Equity (ROE) | 4.0981% | 4,553 |
| Retained earnings to average equity (ytd only) | 1.7052% | 4,137 |
| Net charge-offs to loans | 0.0163% | 2,141 |
| Credit loss provision to net charge-offs | 2,600.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 761 |
| Efficiency ratio | 81.3495% | 937 |
| Assets per employee ($millions) | 2.7621% | 5,092 |
| Cash dividends to net income (ytd only)* | 58.3893% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 2,871 |
| Loan loss allowance to noncurrent loans | 62.9685% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.1778% | 1,145 |
| Noncurrent loans to loans | 1.8224% | 846 |
| Net loans and leases to total assets | 58.2179% | 3,862 |
| Net loans and leases to deposits | 66.3798% | 4,026 |
| Net loans and leases to core deposits | 72.3316% | 3,918 |
| Total domestic deposits to total assets | 87.7043% | 1,474 |
| Equity capital to assets | 11.8162% | 2,143 |
| Core capital (leverage) ratio | 11.6320% | 2,030 |
| Tier 1 risk-based capital ratio | 19.2496% | 1,491 |
| Total risk-based capital ratio | 20.4019% | 1,486 |
| Memoranda: | ||
| Average total assets | $123,084,000 | 3,747 |
| Average earning assets | $113,092,000 | 3,765 |
| Average equity | $14,543,500 | 3,736 |
| Average total loans | $73,504,500 | 3,811 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 2,558 |
| Cost of funding earning assets | 0.3781% | 4,114 |
| Net interest margin | 4.0883% | 1,717 |
| Noninterest income to average assets | 0.7536% | 1,627 |
| Noninterest expense to average assets | 3.3679% | 1,200 |
| Loan and lease loss provision to assets | 0.0823% | 2,483 |
| Net operating income to assets | 0.8750% | 3,519 |
| Return on assets (ROA) | 0.8684% | 3,540 |
| Pretax return on assets | 1.0813% | 3,340 |
| Return on Equity (ROE) | 7.4563% | 3,677 |
| Retained earnings to average equity (ytd only) | 5.2780% | 2,611 |
| Net charge-offs to loans | 0.1889% | 1,014 |
| Credit loss provision to net charge-offs | 72.2628% | 2,961 |
| Earnings coverage of net charge-offs (x) | 10.2847% | 2,735 |
| Efficiency ratio | 74.1847% | 1,602 |
| Assets per employee ($millions) | 2.8343% | 5,076 |
| Cash dividends to net income (ytd only)* | 29.2146% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,464 |
| Loan loss allowance to noncurrent loans | 55.6364% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.1873% | 1,104 |
| Noncurrent loans to loans | 1.8630% | 745 |
| Net loans and leases to total assets | 59.9329% | 3,786 |
| Net loans and leases to deposits | 70.2401% | 3,809 |
| Net loans and leases to core deposits | 75.4332% | 3,755 |
| Total domestic deposits to total assets | 85.3257% | 2,501 |
| Equity capital to assets | 11.8156% | 2,018 |
| Core capital (leverage) ratio | 11.7335% | 1,925 |
| Tier 1 risk-based capital ratio | 19.1177% | 1,497 |
| Total risk-based capital ratio | 20.1648% | 1,494 |
| Memoranda: | ||
| Average total assets | $120,224,000 | 3,780 |
| Average earning assets | $111,341,200 | 3,785 |
| Average equity | $14,001,600 | 3,747 |
| Average total loans | $72,536,800 | 3,818 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 2,717 |
| Cost of funding earning assets | 0.3670% | 4,072 |
| Net interest margin | 4.0062% | 1,937 |
| Noninterest income to average assets | 0.7434% | 1,703 |
| Noninterest expense to average assets | 3.3274% | 1,247 |
| Loan and lease loss provision to assets | 0.0868% | 2,238 |
| Net operating income to assets | 0.8436% | 3,762 |
| Return on assets (ROA) | 0.8535% | 3,729 |
| Pretax return on assets | 1.0583% | 3,542 |
| Return on Equity (ROE) | 7.3561% | 3,797 |
| Retained earnings to average equity (ytd only) | 5.2653% | 3,080 |
| Net charge-offs to loans | 0.1329% | 1,214 |
| Credit loss provision to net charge-offs | 108.3333% | 2,132 |
| Earnings coverage of net charge-offs (x) | 14.1385% | 2,306 |
| Efficiency ratio | 74.6008% | 1,513 |
| Assets per employee ($millions) | 2.7493% | 5,189 |
| Cash dividends to net income (ytd only)* | 28.4225% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 3,160 |
| Loan loss allowance to noncurrent loans | 58.4960% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.3001% | 1,050 |
| Noncurrent loans to loans | 1.8890% | 800 |
| Net loans and leases to total assets | 61.2458% | 3,724 |
| Net loans and leases to deposits | 69.7351% | 3,936 |
| Net loans and leases to core deposits | 74.7880% | 3,893 |
| Total domestic deposits to total assets | 87.8263% | 1,323 |
| Equity capital to assets | 11.7465% | 2,070 |
| Core capital (leverage) ratio | 11.5181% | 2,151 |
| Tier 1 risk-based capital ratio | 19.2709% | 1,479 |
| Total risk-based capital ratio | 20.4026% | 1,474 |
| Memoranda: | ||
| Average total assets | $119,811,750 | 3,830 |
| Average earning assets | $111,159,500 | 3,825 |
| Average equity | $13,902,000 | 3,787 |
| Average total loans | $72,219,250 | 3,862 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 2,711 |
| Cost of funding earning assets | 0.3701% | 3,936 |
| Net interest margin | 3.9455% | 2,048 |
| Noninterest income to average assets | 0.7296% | 1,743 |
| Noninterest expense to average assets | 3.2591% | 1,415 |
| Loan and lease loss provision to assets | 0.1163% | 1,706 |
| Net operating income to assets | 0.8265% | 3,768 |
| Return on assets (ROA) | 0.8360% | 3,739 |
| Pretax return on assets | 1.0337% | 3,556 |
| Return on Equity (ROE) | 7.2338% | 3,822 |
| Retained earnings to average equity (ytd only) | 5.3498% | 2,907 |
| Net charge-offs to loans | 0.1864% | 842 |
| Credit loss provision to net charge-offs | 104.4776% | 1,955 |
| Earnings coverage of net charge-offs (x) | 10.2239% | 2,343 |
| Efficiency ratio | 74.1119% | 1,693 |
| Assets per employee ($millions) | 2.8912% | 5,166 |
| Cash dividends to net income (ytd only)* | 26.0437% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 3,079 |
| Loan loss allowance to noncurrent loans | 63.3648% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.2325% | 1,162 |
| Noncurrent loans to loans | 1.7870% | 873 |
| Net loans and leases to total assets | 59.3686% | 3,865 |
| Net loans and leases to deposits | 67.6052% | 4,040 |
| Net loans and leases to core deposits | 72.4791% | 3,981 |
| Total domestic deposits to total assets | 87.8167% | 1,466 |
| Equity capital to assets | 11.7177% | 2,047 |
| Core capital (leverage) ratio | 11.4174% | 2,143 |
| Tier 1 risk-based capital ratio | 19.2801% | 1,479 |
| Total risk-based capital ratio | 20.4232% | 1,465 |
| Memoranda: | ||
| Average total assets | $120,341,670 | 3,853 |
| Average earning assets | $111,875,330 | 3,846 |
| Average equity | $13,907,000 | 3,806 |
| Average total loans | $71,887,330 | 3,896 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 2,827 |
| Cost of funding earning assets | 0.3742% | 3,786 |
| Net interest margin | 3.8443% | 2,245 |
| Noninterest income to average assets | 0.6532% | 2,021 |
| Noninterest expense to average assets | 3.2002% | 1,562 |
| Loan and lease loss provision to assets | 0.0726% | 2,310 |
| Net operating income to assets | 0.7896% | 3,754 |
| Return on assets (ROA) | 0.8083% | 3,683 |
| Pretax return on assets | 0.9963% | 3,546 |
| Return on Equity (ROE) | 7.0425% | 3,771 |
| Retained earnings to average equity (ytd only) | 5.7777% | 2,821 |
| Net charge-offs to loans | 0.1716% | 845 |
| Credit loss provision to net charge-offs | 70.9677% | 1,822 |
| Earnings coverage of net charge-offs (x) | 10.2258% | 1,915 |
| Efficiency ratio | 75.3691% | 1,693 |
| Assets per employee ($millions) | 3.1294% | 5,065 |
| Cash dividends to net income (ytd only)* | 17.9592% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,361 |
| Loan loss allowance to noncurrent loans | 55.7584% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.2610% | 1,181 |
| Noncurrent loans to loans | 1.9781% | 814 |
| Net loans and leases to total assets | 58.3354% | 3,911 |
| Net loans and leases to deposits | 67.7103% | 3,969 |
| Net loans and leases to core deposits | 72.5350% | 3,915 |
| Total domestic deposits to total assets | 86.1544% | 2,476 |
| Equity capital to assets | 11.3007% | 2,301 |
| Core capital (leverage) ratio | 11.2305% | 2,223 |
| Tier 1 risk-based capital ratio | 18.8764% | 1,580 |
| Total risk-based capital ratio | 19.9932% | 1,579 |
| Memoranda: | ||
| Average total assets | $121,243,000 | 3,883 |
| Average earning assets | $113,309,500 | 3,862 |
| Average equity | $13,915,500 | 3,840 |
| Average total loans | $72,240,500 | 3,927 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 2,519 |
| Cost of funding earning assets | 0.3214% | 3,937 |
| Net interest margin | 3.9231% | 2,021 |
| Noninterest income to average assets | 0.6803% | 2,051 |
| Noninterest expense to average assets | 3.0993% | 1,862 |
| Loan and lease loss provision to assets | 0.4759% | 283 |
| Net operating income to assets | 0.5742% | 4,123 |
| Return on assets (ROA) | 0.6166% | 3,982 |
| Pretax return on assets | 0.7746% | 4,321 |
| Return on Equity (ROE) | 5.3714% | 4,016 |
| Retained earnings to average equity (ytd only) | 1.4708% | 4,415 |
| Net charge-offs to loans | 0.7184% | 296 |
| Credit loss provision to net charge-offs | 116.1616% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.9232% | 3,672 |
| Efficiency ratio | 72.1302% | 2,203 |
| Assets per employee ($millions) | 2.9376% | 5,243 |
| Cash dividends to net income (ytd only)* | 72.6174% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,309 |
| Loan loss allowance to noncurrent loans | 74.9067% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 0.9939% | 1,556 |
| Noncurrent loans to loans | 1.4788% | 1,156 |
| Net loans and leases to total assets | 59.5218% | 3,875 |
| Net loans and leases to deposits | 69.9327% | 3,883 |
| Net loans and leases to core deposits | 75.2417% | 3,800 |
| Total domestic deposits to total assets | 85.1129% | 2,795 |
| Equity capital to assets | 11.6564% | 2,073 |
| Core capital (leverage) ratio | 10.7459% | 2,595 |
| Tier 1 risk-based capital ratio | 18.1819% | 1,753 |
| Total risk-based capital ratio | 19.2920% | 1,739 |
| Memoranda: | ||
| Average total assets | $120,832,400 | 3,884 |
| Average earning assets | $111,390,600 | 3,893 |
| Average equity | $13,869,800 | 3,857 |
| Average total loans | $68,905,600 | 3,993 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,515 |
| Cost of funding earning assets | 0.3064% | 4,072 |
| Net interest margin | 3.9251% | 1,947 |
| Noninterest income to average assets | 0.6869% | 2,053 |
| Noninterest expense to average assets | 3.1080% | 1,776 |
| Loan and lease loss provision to assets | 0.3032% | 516 |
| Net operating income to assets | 0.6733% | 4,108 |
| Return on assets (ROA) | 0.7277% | 3,901 |
| Pretax return on assets | 0.9482% | 3,879 |
| Return on Equity (ROE) | 6.3640% | 3,959 |
| Retained earnings to average equity (ytd only) | 1.9863% | 4,641 |
| Net charge-offs to loans | 0.0098% | 3,380 |
| Credit loss provision to net charge-offs | 5,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 214.0870% | 401 |
| Efficiency ratio | 72.4679% | 2,143 |
| Assets per employee ($millions) | 3.2112% | 5,051 |
| Cash dividends to net income (ytd only)* | 68.7879% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,954 |
| Loan loss allowance to noncurrent loans | 77.3967% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 1,471 |
| Noncurrent loans to loans | 1.7889% | 1,006 |
| Net loans and leases to total assets | 55.0652% | 4,315 |
| Net loans and leases to deposits | 63.5218% | 4,412 |
| Net loans and leases to core deposits | 67.9316% | 4,365 |
| Total domestic deposits to total assets | 86.6870% | 2,003 |
| Equity capital to assets | 10.9992% | 2,865 |
| Core capital (leverage) ratio | 10.7665% | 2,676 |
| Tier 1 risk-based capital ratio | 18.2943% | 1,780 |
| Total risk-based capital ratio | 19.5449% | 1,739 |
| Memoranda: | ||
| Average total assets | $120,930,500 | 3,920 |
| Average earning assets | $110,974,500 | 3,934 |
| Average equity | $13,827,500 | 3,905 |
| Average total loans | $68,009,250 | 4,045 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 2,323 |
| Cost of funding earning assets | 0.2797% | 4,292 |
| Net interest margin | 3.9607% | 1,737 |
| Noninterest income to average assets | 0.6840% | 2,062 |
| Noninterest expense to average assets | 3.1497% | 1,706 |
| Loan and lease loss provision to assets | 0.3462% | 419 |
| Net operating income to assets | 0.6254% | 4,182 |
| Return on assets (ROA) | 0.7110% | 3,864 |
| Pretax return on assets | 0.9086% | 3,903 |
| Return on Equity (ROE) | 6.1337% | 3,989 |
| Retained earnings to average equity (ytd only) | -0.4808% | 5,160 |
| Net charge-offs to loans | 0.1138% | 1,499 |
| Credit loss provision to net charge-offs | 539.4737% | 620 |
| Earnings coverage of net charge-offs (x) | 17.8421% | 1,911 |
| Efficiency ratio | 73.3386% | 2,122 |
| Assets per employee ($millions) | 3.1226% | 5,168 |
| Cash dividends to net income (ytd only)* | 107.8385% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,577 |
| Loan loss allowance to noncurrent loans | 52.3222% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.4916% | 1,026 |
| Noncurrent loans to loans | 2.4248% | 634 |
| Net loans and leases to total assets | 55.4523% | 4,274 |
| Net loans and leases to deposits | 66.1822% | 4,213 |
| Net loans and leases to core deposits | 71.0821% | 4,152 |
| Total domestic deposits to total assets | 83.7873% | 3,289 |
| Equity capital to assets | 11.1672% | 2,638 |
| Core capital (leverage) ratio | 11.0665% | 2,343 |
| Tier 1 risk-based capital ratio | 17.8515% | 1,903 |
| Total risk-based capital ratio | 19.0816% | 1,863 |
| Memoranda: | ||
| Average total assets | $118,425,330 | 3,983 |
| Average earning assets | $107,962,000 | 4,019 |
| Average equity | $13,727,330 | 3,929 |
| Average total loans | $66,771,670 | 4,087 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 2,427 |
| Cost of funding earning assets | 0.2633% | 4,421 |
| Net interest margin | 3.8972% | 1,789 |
| Noninterest income to average assets | 0.7015% | 1,964 |
| Noninterest expense to average assets | 3.2087% | 1,584 |
| Loan and lease loss provision to assets | 0.3924% | 290 |
| Net operating income to assets | 0.5605% | 4,326 |
| Return on assets (ROA) | 0.6077% | 4,177 |
| Pretax return on assets | 0.7570% | 4,268 |
| Return on Equity (ROE) | 5.1406% | 4,325 |
| Retained earnings to average equity (ytd only) | -5.6400% | 5,427 |
| Net charge-offs to loans | 0.2274% | 789 |
| Credit loss provision to net charge-offs | 305.4054% | 773 |
| Earnings coverage of net charge-offs (x) | 8.4865% | 2,060 |
| Efficiency ratio | 74.6365% | 2,117 |
| Assets per employee ($millions) | 2.8605% | 5,457 |
| Cash dividends to net income (ytd only)* | 209.7143% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,964 |
| Loan loss allowance to noncurrent loans | 80.5444% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.0726% | 1,674 |
| Noncurrent loans to loans | 1.5227% | 1,302 |
| Net loans and leases to total assets | 54.8660% | 4,264 |
| Net loans and leases to deposits | 64.0266% | 4,306 |
| Net loans and leases to core deposits | 65.4815% | 4,464 |
| Total domestic deposits to total assets | 85.6926% | 2,800 |
| Equity capital to assets | 11.5406% | 2,157 |
| Core capital (leverage) ratio | 11.2131% | 2,174 |
| Tier 1 risk-based capital ratio | 19.4959% | 1,494 |
| Total risk-based capital ratio | 20.7105% | 1,470 |
| Memoranda: | ||
| Average total assets | $115,187,000 | 4,079 |
| Average earning assets | $106,333,500 | 4,079 |
| Average equity | $13,617,000 | 3,976 |
| Average total loans | $65,082,000 | 4,153 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 2,802 |
| Cost of funding earning assets | 0.2635% | 4,431 |
| Net interest margin | 3.8492% | 2,141 |
| Noninterest income to average assets | 0.7741% | 1,861 |
| Noninterest expense to average assets | 3.1923% | 1,807 |
| Loan and lease loss provision to assets | 0.2007% | 1,152 |
| Net operating income to assets | 0.7027% | 3,768 |
| Return on assets (ROA) | 0.7723% | 3,542 |
| Pretax return on assets | 1.0167% | 3,419 |
| Return on Equity (ROE) | 6.1420% | 3,906 |
| Retained earnings to average equity (ytd only) | -3.6366% | 5,620 |
| Net charge-offs to loans | 0.1694% | 1,604 |
| Credit loss provision to net charge-offs | 219.0476% | 1,304 |
| Earnings coverage of net charge-offs (x) | 12.2857% | 2,466 |
| Efficiency ratio | 73.9289% | 2,295 |
| Assets per employee ($millions) | 2.6927% | 5,565 |
| Cash dividends to net income (ytd only)* | 159.2090% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 3,643 |
| Loan loss allowance to noncurrent loans | 71.7974% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0991% | 1,698 |
| Noncurrent loans to loans | 1.5488% | 1,285 |
| Net loans and leases to total assets | 56.8511% | 4,185 |
| Net loans and leases to deposits | 66.8594% | 4,181 |
| Net loans and leases to core deposits | 68.2215% | 4,383 |
| Total domestic deposits to total assets | 85.0308% | 3,030 |
| Equity capital to assets | 12.1131% | 1,737 |
| Core capital (leverage) ratio | 11.4560% | 1,966 |
| Tier 1 risk-based capital ratio | 19.9648% | 1,380 |
| Total risk-based capital ratio | 21.0727% | 1,378 |
| Memoranda: | ||
| Average total assets | $114,590,000 | 4,084 |
| Average earning assets | $105,502,200 | 4,089 |
| Average equity | $14,409,000 | 3,888 |
| Average total loans | $61,987,600 | 4,229 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 3,012 |
| Cost of funding earning assets | 0.2593% | 4,518 |
| Net interest margin | 3.7982% | 2,339 |
| Noninterest income to average assets | 0.7782% | 1,854 |
| Noninterest expense to average assets | 3.1777% | 1,834 |
| Loan and lease loss provision to assets | 0.0696% | 2,826 |
| Net operating income to assets | 0.7767% | 3,476 |
| Return on assets (ROA) | 0.8315% | 3,358 |
| Pretax return on assets | 1.1041% | 3,217 |
| Return on Equity (ROE) | 6.5539% | 3,804 |
| Retained earnings to average equity (ytd only) | -2.6965% | 5,636 |
| Net charge-offs to loans | 0.1350% | 1,626 |
| Credit loss provision to net charge-offs | 96.7742% | 2,424 |
| Earnings coverage of net charge-offs (x) | 15.3073% | 2,186 |
| Efficiency ratio | 74.2749% | 2,230 |
| Assets per employee ($millions) | 2.7813% | 5,559 |
| Cash dividends to net income (ytd only)* | 141.1431% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,786 |
| Loan loss allowance to noncurrent loans | 87.6471% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 2,276 |
| Noncurrent loans to loans | 1.0542% | 2,135 |
| Net loans and leases to total assets | 54.7074% | 4,431 |
| Net loans and leases to deposits | 64.6080% | 4,443 |
| Net loans and leases to core deposits | 65.8849% | 4,614 |
| Total domestic deposits to total assets | 84.6759% | 2,956 |
| Equity capital to assets | 12.4264% | 1,823 |
| Core capital (leverage) ratio | 11.4240% | 2,097 |
| Tier 1 risk-based capital ratio | 20.6187% | 1,336 |
| Total risk-based capital ratio | 21.5457% | 1,358 |
| Memoranda: | ||
| Average total assets | $114,964,500 | 4,109 |
| Average earning assets | $105,943,250 | 4,103 |
| Average equity | $14,586,500 | 3,898 |
| Average total loans | $61,230,250 | 4,283 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,207 |
| Cost of funding earning assets | 0.2620% | 4,529 |
| Net interest margin | 3.7474% | 2,525 |
| Noninterest income to average assets | 0.8098% | 1,673 |
| Noninterest expense to average assets | 3.1535% | 1,925 |
| Loan and lease loss provision to assets | 0.0910% | 2,327 |
| Net operating income to assets | 0.7680% | 3,462 |
| Return on assets (ROA) | 0.8518% | 3,209 |
| Pretax return on assets | 1.1281% | 3,093 |
| Return on Equity (ROE) | 6.6667% | 3,711 |
| Retained earnings to average equity (ytd only) | -2.5736% | 5,585 |
| Net charge-offs to loans | 0.0599% | 2,336 |
| Credit loss provision to net charge-offs | 288.8889% | 991 |
| Earnings coverage of net charge-offs (x) | 35.2222% | 1,256 |
| Efficiency ratio | 73.9844% | 2,362 |
| Assets per employee ($millions) | 2.8638% | 5,560 |
| Cash dividends to net income (ytd only)* | 138.6037% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 4,560 |
| Loan loss allowance to noncurrent loans | 42.1896% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 1,477 |
| Noncurrent loans to loans | 2.3609% | 762 |
| Net loans and leases to total assets | 54.8393% | 4,426 |
| Net loans and leases to deposits | 65.2279% | 4,397 |
| Net loans and leases to core deposits | 66.5448% | 4,569 |
| Total domestic deposits to total assets | 84.0735% | 3,232 |
| Equity capital to assets | 12.8519% | 1,585 |
| Core capital (leverage) ratio | 11.7939% | 1,779 |
| Tier 1 risk-based capital ratio | 20.9069% | 1,279 |
| Total risk-based capital ratio | 21.8959% | 1,302 |
| Memoranda: | ||
| Average total assets | $114,347,330 | 4,147 |
| Average earning assets | $105,351,670 | 4,145 |
| Average equity | $14,610,000 | 3,911 |
| Average total loans | $60,139,330 | 4,344 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 3,430 |
| Cost of funding earning assets | 0.2660% | 4,542 |
| Net interest margin | 3.6741% | 2,784 |
| Noninterest income to average assets | 0.8788% | 1,361 |
| Noninterest expense to average assets | 3.1616% | 1,927 |
| Loan and lease loss provision to assets | 0.0840% | 2,270 |
| Net operating income to assets | 0.7878% | 3,307 |
| Return on assets (ROA) | 0.7878% | 3,414 |
| Pretax return on assets | 1.0189% | 3,407 |
| Return on Equity (ROE) | 6.1839% | 3,886 |
| Retained earnings to average equity (ytd only) | -3.0782% | 5,478 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1379% | 2,453 |
| Assets per employee ($millions) | 2.8776% | 5,617 |
| Cash dividends to net income (ytd only)* | 149.7778% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 4,386 |
| Loan loss allowance to noncurrent loans | 43.1645% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 1,620 |
| Noncurrent loans to loans | 2.4116% | 801 |
| Net loans and leases to total assets | 51.3722% | 4,693 |
| Net loans and leases to deposits | 61.5946% | 4,605 |
| Net loans and leases to core deposits | 63.0748% | 4,745 |
| Total domestic deposits to total assets | 83.4038% | 3,751 |
| Equity capital to assets | 12.6710% | 1,575 |
| Core capital (leverage) ratio | 11.8741% | 1,691 |
| Tier 1 risk-based capital ratio | 21.2864% | 1,264 |
| Total risk-based capital ratio | 22.2719% | 1,290 |
| Memoranda: | ||
| Average total assets | $114,245,500 | 4,178 |
| Average earning assets | $105,277,500 | 4,177 |
| Average equity | $14,554,000 | 3,922 |
| Average total loans | $58,483,500 | 4,425 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 3,336 |
| Cost of funding earning assets | 0.3124% | 4,108 |
| Net interest margin | 3.6803% | 2,828 |
| Noninterest income to average assets | 0.8149% | 1,726 |
| Noninterest expense to average assets | 3.2909% | 1,739 |
| Loan and lease loss provision to assets | 0.0594% | 3,119 |
| Net operating income to assets | 0.7601% | 3,527 |
| Return on assets (ROA) | 0.8515% | 3,178 |
| Pretax return on assets | 0.9642% | 3,599 |
| Return on Equity (ROE) | 6.6506% | 3,709 |
| Retained earnings to average equity (ytd only) | -2.5511% | 5,788 |
| Net charge-offs to loans | 0.1258% | 2,121 |
| Credit loss provision to net charge-offs | 98.5507% | 2,579 |
| Earnings coverage of net charge-offs (x) | 15.2609% | 2,215 |
| Efficiency ratio | 78.1581% | 1,942 |
| Assets per employee ($millions) | 2.8347% | 5,670 |
| Cash dividends to net income (ytd only)* | 138.3590% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 4,346 |
| Loan loss allowance to noncurrent loans | 44.6602% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 1.7418% | 1,100 |
| Noncurrent loans to loans | 2.3404% | 815 |
| Net loans and leases to total assets | 49.9312% | 4,875 |
| Net loans and leases to deposits | 59.7892% | 4,791 |
| Net loans and leases to core deposits | 61.2398% | 4,913 |
| Total domestic deposits to total assets | 83.5121% | 3,665 |
| Equity capital to assets | 12.8085% | 1,458 |
| Core capital (leverage) ratio | 11.8094% | 1,755 |
| Tier 1 risk-based capital ratio | 22.3945% | 1,100 |
| Total risk-based capital ratio | 23.3820% | 1,102 |
| Memoranda: | ||
| Average total assets | $114,498,200 | 4,166 |
| Average earning assets | $105,642,400 | 4,153 |
| Average equity | $14,660,400 | 3,885 |
| Average total loans | $54,846,800 | 4,533 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,397 |
| Cost of funding earning assets | 0.3204% | 4,099 |
| Net interest margin | 3.6640% | 2,914 |
| Noninterest income to average assets | 0.7307% | 2,106 |
| Noninterest expense to average assets | 3.2724% | 1,774 |
| Loan and lease loss provision to assets | 0.0290% | 3,659 |
| Net operating income to assets | 0.7124% | 3,851 |
| Return on assets (ROA) | 0.7690% | 3,679 |
| Pretax return on assets | 0.8817% | 4,043 |
| Return on Equity (ROE) | 6.0065% | 4,150 |
| Retained earnings to average equity (ytd only) | -3.1757% | 5,946 |
| Net charge-offs to loans | 0.1376% | 1,751 |
| Credit loss provision to net charge-offs | 44.6429% | 3,108 |
| Earnings coverage of net charge-offs (x) | 13.0008% | 2,363 |
| Efficiency ratio | 79.4640% | 1,737 |
| Assets per employee ($millions) | 2.9867% | 5,562 |
| Cash dividends to net income (ytd only)* | 152.8709% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 4,775 |
| Loan loss allowance to noncurrent loans | 87.2504% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.0990% | 2,154 |
| Noncurrent loans to loans | 1.1409% | 2,228 |
| Net loans and leases to total assets | 47.2863% | 5,134 |
| Net loans and leases to deposits | 56.2843% | 5,103 |
| Net loans and leases to core deposits | 57.4228% | 5,227 |
| Total domestic deposits to total assets | 84.0133% | 3,417 |
| Equity capital to assets | 12.1748% | 1,980 |
| Core capital (leverage) ratio | 11.6304% | 1,937 |
| Tier 1 risk-based capital ratio | 22.5732% | 1,115 |
| Total risk-based capital ratio | 23.5160% | 1,138 |
| Memoranda: | ||
| Average total assets | $114,776,250 | 4,203 |
| Average earning assets | $106,111,750 | 4,179 |
| Average equity | $14,694,750 | 3,921 |
| Average total loans | $54,255,250 | 4,596 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0232% | 3,192 |
| Cost of funding earning assets | 0.3139% | 4,234 |
| Net interest margin | 3.7093% | 2,669 |
| Noninterest income to average assets | 0.7296% | 2,095 |
| Noninterest expense to average assets | 3.3106% | 1,670 |
| Loan and lease loss provision to assets | 0.0088% | 3,936 |
| Net operating income to assets | 0.7153% | 3,818 |
| Return on assets (ROA) | 0.7791% | 3,594 |
| Pretax return on assets | 0.9080% | 3,928 |
| Return on Equity (ROE) | 5.9818% | 4,135 |
| Retained earnings to average equity (ytd only) | -3.1740% | 5,930 |
| Net charge-offs to loans | 0.3263% | 808 |
| Credit loss provision to net charge-offs | 5.7471% | 3,123 |
| Earnings coverage of net charge-offs (x) | 5.4828% | 2,919 |
| Efficiency ratio | 79.7108% | 1,798 |
| Assets per employee ($millions) | 2.7670% | 5,845 |
| Cash dividends to net income (ytd only)* | 153.0612% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 5,095 |
| Loan loss allowance to noncurrent loans | 129.8995% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8956% | 2,746 |
| Noncurrent loans to loans | 0.7317% | 3,284 |
| Net loans and leases to total assets | 47.4914% | 5,147 |
| Net loans and leases to deposits | 56.9993% | 5,062 |
| Net loans and leases to core deposits | 57.6014% | 5,216 |
| Total domestic deposits to total assets | 83.3192% | 3,824 |
| Equity capital to assets | 12.6878% | 1,558 |
| Core capital (leverage) ratio | 12.1812% | 1,546 |
| Tier 1 risk-based capital ratio | 23.8363% | 976 |
| Total risk-based capital ratio | 24.7349% | 998 |
| Memoranda: | ||
| Average total assets | $113,212,330 | 4,273 |
| Average earning assets | $104,494,670 | 4,258 |
| Average equity | $14,744,670 | 3,932 |
| Average total loans | $53,320,330 | 4,665 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 3,236 |
| Cost of funding earning assets | 0.3058% | 4,375 |
| Net interest margin | 3.6923% | 2,647 |
| Noninterest income to average assets | 0.6720% | 2,297 |
| Noninterest expense to average assets | 3.2787% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7215% | 3,688 |
| Return on assets (ROA) | 0.7215% | 3,822 |
| Pretax return on assets | 0.8099% | 4,202 |
| Return on Equity (ROE) | 5.4692% | 4,301 |
| Retained earnings to average equity (ytd only) | -3.5657% | 5,835 |
| Net charge-offs to loans | 0.6290% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.7590% | 2,703 |
| Efficiency ratio | 80.1903% | 1,879 |
| Assets per employee ($millions) | 2.8416% | 5,839 |
| Cash dividends to net income (ytd only)* | 165.1961% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 5,140 |
| Loan loss allowance to noncurrent loans | 142.9363% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 2,647 |
| Noncurrent loans to loans | 0.6836% | 3,570 |
| Net loans and leases to total assets | 46.0092% | 5,199 |
| Net loans and leases to deposits | 54.5507% | 5,157 |
| Net loans and leases to core deposits | 55.1176% | 5,306 |
| Total domestic deposits to total assets | 84.3422% | 3,681 |
| Equity capital to assets | 13.1434% | 1,332 |
| Core capital (leverage) ratio | 12.2588% | 1,476 |
| Tier 1 risk-based capital ratio | 25.2900% | 858 |
| Total risk-based capital ratio | 26.2357% | 869 |
| Memoranda: | ||
| Average total assets | $113,094,500 | 4,308 |
| Average earning assets | $104,650,500 | 4,287 |
| Average equity | $14,920,000 | 3,927 |
| Average total loans | $52,783,000 | 4,708 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 3,627 |
| Cost of funding earning assets | 0.3540% | 4,211 |
| Net interest margin | 3.6701% | 3,128 |
| Noninterest income to average assets | 0.7346% | 2,147 |
| Noninterest expense to average assets | 3.2385% | 2,103 |
| Loan and lease loss provision to assets | 0.1187% | 2,194 |
| Net operating income to assets | 0.7527% | 3,622 |
| Return on assets (ROA) | 0.8473% | 3,229 |
| Pretax return on assets | 0.8524% | 4,064 |
| Return on Equity (ROE) | 6.6411% | 3,821 |
| Retained earnings to average equity (ytd only) | -3.4318% | 6,113 |
| Net charge-offs to loans | 0.6796% | 551 |
| Credit loss provision to net charge-offs | 38.1215% | 3,709 |
| Earnings coverage of net charge-offs (x) | 2.8122% | 4,057 |
| Efficiency ratio | 78.7163% | 2,102 |
| Assets per employee ($millions) | 2.8132% | 5,915 |
| Cash dividends to net income (ytd only)* | 151.6751% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 4,364 |
| Loan loss allowance to noncurrent loans | 78.7122% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2068% | 2,361 |
| Noncurrent loans to loans | 1.4425% | 2,042 |
| Net loans and leases to total assets | 46.3498% | 5,299 |
| Net loans and leases to deposits | 56.0419% | 5,184 |
| Net loans and leases to core deposits | 56.6414% | 5,341 |
| Total domestic deposits to total assets | 82.7055% | 4,181 |
| Equity capital to assets | 13.2422% | 1,252 |
| Core capital (leverage) ratio | 12.2982% | 1,451 |
| Tier 1 risk-based capital ratio | 23.3797% | 1,023 |
| Total risk-based capital ratio | 24.3912% | 1,039 |
| Memoranda: | ||
| Average total assets | $116,258,000 | 4,251 |
| Average earning assets | $107,053,400 | 4,245 |
| Average equity | $14,831,800 | 3,871 |
| Average total loans | $53,262,800 | 4,715 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 3,737 |
| Cost of funding earning assets | 0.3609% | 4,225 |
| Net interest margin | 3.6441% | 3,248 |
| Noninterest income to average assets | 0.7338% | 2,167 |
| Noninterest expense to average assets | 3.2072% | 2,156 |
| Loan and lease loss provision to assets | 0.1251% | 2,000 |
| Net operating income to assets | 0.6994% | 3,941 |
| Return on assets (ROA) | 0.7554% | 3,737 |
| Pretax return on assets | 0.8157% | 4,309 |
| Return on Equity (ROE) | 5.9760% | 4,250 |
| Retained earnings to average equity (ytd only) | -1.3410% | 6,008 |
| Net charge-offs to loans | -0.0949% | 6,128 |
| Credit loss provision to net charge-offs | -289.4737% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4581% | 2,114 |
| Assets per employee ($millions) | 2.8561% | 5,905 |
| Cash dividends to net income (ytd only)* | 122.4396% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 1,591 |
| Loan loss allowance to noncurrent loans | 138.7143% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.1878% | 2,583 |
| Noncurrent loans to loans | 1.3285% | 2,426 |
| Net loans and leases to total assets | 45.2719% | 5,432 |
| Net loans and leases to deposits | 53.4784% | 5,422 |
| Net loans and leases to core deposits | 54.0275% | 5,562 |
| Total domestic deposits to total assets | 84.6546% | 3,477 |
| Equity capital to assets | 13.1737% | 1,343 |
| Core capital (leverage) ratio | 12.2343% | 1,556 |
| Tier 1 risk-based capital ratio | 23.7567% | 1,019 |
| Total risk-based capital ratio | 25.0896% | 987 |
| Memoranda: | ||
| Average total assets | $117,190,750 | 4,278 |
| Average earning assets | $107,860,750 | 4,268 |
| Average equity | $14,814,500 | 3,891 |
| Average total loans | $53,389,750 | 4,756 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 3,825 |
| Cost of funding earning assets | 0.3630% | 4,284 |
| Net interest margin | 3.6153% | 3,298 |
| Noninterest income to average assets | 0.7548% | 2,023 |
| Noninterest expense to average assets | 3.1293% | 2,397 |
| Loan and lease loss provision to assets | 0.1862% | 1,315 |
| Net operating income to assets | 0.6963% | 3,860 |
| Return on assets (ROA) | 0.7633% | 3,604 |
| Pretax return on assets | 0.8327% | 4,150 |
| Return on Equity (ROE) | 6.1211% | 4,094 |
| Retained earnings to average equity (ytd only) | 0.8550% | 5,402 |
| Net charge-offs to loans | -0.3879% | 6,478 |
| Credit loss provision to net charge-offs | -105.7692% | 5,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7857% | 2,490 |
| Assets per employee ($millions) | 2.9164% | 5,870 |
| Cash dividends to net income (ytd only)* | 86.0310% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 1,522 |
| Loan loss allowance to noncurrent loans | 144.2281% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.3510% | 2,423 |
| Noncurrent loans to loans | 1.3352% | 2,576 |
| Net loans and leases to total assets | 45.2703% | 5,437 |
| Net loans and leases to deposits | 53.3876% | 5,397 |
| Net loans and leases to core deposits | 53.9223% | 5,556 |
| Total domestic deposits to total assets | 84.7956% | 3,606 |
| Equity capital to assets | 12.9534% | 1,396 |
| Core capital (leverage) ratio | 12.4035% | 1,443 |
| Tier 1 risk-based capital ratio | 23.5990% | 1,031 |
| Total risk-based capital ratio | 24.8539% | 1,011 |
| Memoranda: | ||
| Average total assets | $118,173,330 | 4,284 |
| Average earning assets | $108,537,330 | 4,276 |
| Average equity | $14,736,000 | 3,906 |
| Average total loans | $53,622,670 | 4,757 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 3,895 |
| Cost of funding earning assets | 0.3591% | 4,445 |
| Net interest margin | 3.5907% | 3,289 |
| Noninterest income to average assets | 0.6928% | 2,210 |
| Noninterest expense to average assets | 3.0370% | 2,740 |
| Loan and lease loss provision to assets | 0.3027% | 637 |
| Net operating income to assets | 0.6054% | 4,172 |
| Return on assets (ROA) | 0.7399% | 3,564 |
| Pretax return on assets | 0.7937% | 4,137 |
| Return on Equity (ROE) | 6.0487% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.6292% | 3,955 |
| Net charge-offs to loans | -0.1121% | 6,164 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1383% | 2,777 |
| Assets per employee ($millions) | 3.1118% | 5,663 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 2,190 |
| Loan loss allowance to noncurrent loans | 116.8766% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.3275% | 2,662 |
| Noncurrent loans to loans | 1.5000% | 2,541 |
| Net loans and leases to total assets | 42.8518% | 5,601 |
| Net loans and leases to deposits | 50.0462% | 5,596 |
| Net loans and leases to core deposits | 50.5222% | 5,725 |
| Total domestic deposits to total assets | 85.6246% | 3,547 |
| Equity capital to assets | 12.2108% | 1,739 |
| Core capital (leverage) ratio | 12.4677% | 1,399 |
| Tier 1 risk-based capital ratio | 23.5353% | 1,074 |
| Total risk-based capital ratio | 24.7889% | 1,051 |
| Memoranda: | ||
| Average total assets | $118,931,500 | 4,301 |
| Average earning assets | $109,172,000 | 4,294 |
| Average equity | $14,548,500 | 3,940 |
| Average total loans | $53,510,000 | 4,807 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0701% | 3,847 |
| Cost of funding earning assets | 0.4282% | 4,335 |
| Net interest margin | 3.6419% | 3,276 |
| Noninterest income to average assets | 0.7877% | 2,132 |
| Noninterest expense to average assets | 3.3146% | 2,106 |
| Loan and lease loss provision to assets | 0.1048% | 3,046 |
| Net operating income to assets | 0.7065% | 3,767 |
| Return on assets (ROA) | 0.7169% | 3,797 |
| Pretax return on assets | 0.7473% | 4,354 |
| Return on Equity (ROE) | 5.8679% | 4,164 |
| Retained earnings to average equity (ytd only) | -12.3005% | 6,574 |
| Net charge-offs to loans | 0.5419% | 1,220 |
| Credit loss provision to net charge-offs | 41.7857% | 4,001 |
| Earnings coverage of net charge-offs (x) | 3.3536% | 3,878 |
| Efficiency ratio | 79.7542% | 2,186 |
| Assets per employee ($millions) | 2.9126% | 5,970 |
| Cash dividends to net income (ytd only)* | 309.6250% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,087 |
| Loan loss allowance to noncurrent loans | 84.4969% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.6274% | 2,277 |
| Noncurrent loans to loans | 1.8008% | 2,233 |
| Net loans and leases to total assets | 45.7190% | 5,515 |
| Net loans and leases to deposits | 53.5069% | 5,508 |
| Net loans and leases to core deposits | 54.0373% | 5,668 |
| Total domestic deposits to total assets | 85.4450% | 3,531 |
| Equity capital to assets | 12.2555% | 1,648 |
| Core capital (leverage) ratio | 12.4627% | 1,379 |
| Tier 1 risk-based capital ratio | 22.8585% | 1,119 |
| Total risk-based capital ratio | 24.1093% | 1,094 |
| Memoranda: | ||
| Average total assets | $111,597,400 | 4,466 |
| Average earning assets | $103,216,400 | 4,428 |
| Average equity | $13,633,600 | 4,137 |
| Average total loans | $51,666,200 | 4,904 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 4,076 |
| Cost of funding earning assets | 0.4363% | 4,432 |
| Net interest margin | 3.5779% | 3,545 |
| Noninterest income to average assets | 0.7973% | 2,162 |
| Noninterest expense to average assets | 3.3124% | 2,048 |
| Loan and lease loss provision to assets | 0.0628% | 3,786 |
| Net operating income to assets | 0.7103% | 3,805 |
| Return on assets (ROA) | 0.7091% | 3,943 |
| Pretax return on assets | 0.7393% | 4,542 |
| Return on Equity (ROE) | 5.8092% | 4,282 |
| Retained earnings to average equity (ytd only) | -17.8334% | 6,742 |
| Net charge-offs to loans | 0.1253% | 3,274 |
| Credit loss provision to net charge-offs | 108.3333% | 2,165 |
| Earnings coverage of net charge-offs (x) | 13.8538% | 1,988 |
| Efficiency ratio | 80.4814% | 2,032 |
| Assets per employee ($millions) | 3.0415% | 5,781 |
| Cash dividends to net income (ytd only)* | 406.9827% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8237% | 2,227 |
| Loan loss allowance to noncurrent loans | 59.7826% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.9171% | 2,112 |
| Noncurrent loans to loans | 3.0505% | 1,308 |
| Net loans and leases to total assets | 44.9312% | 5,634 |
| Net loans and leases to deposits | 51.5156% | 5,747 |
| Net loans and leases to core deposits | 51.8802% | 5,894 |
| Total domestic deposits to total assets | 87.2185% | 2,554 |
| Equity capital to assets | 12.0708% | 1,873 |
| Core capital (leverage) ratio | 12.0209% | 1,660 |
| Tier 1 risk-based capital ratio | 22.8293% | 1,175 |
| Total risk-based capital ratio | 24.0824% | 1,155 |
| Memoranda: | ||
| Average total assets | $110,371,000 | 4,527 |
| Average earning assets | $102,367,750 | 4,492 |
| Average equity | $13,472,500 | 4,221 |
| Average total loans | $51,061,000 | 4,969 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 4,095 |
| Cost of funding earning assets | 0.4530% | 4,401 |
| Net interest margin | 3.5499% | 3,563 |
| Noninterest income to average assets | 0.8028% | 2,176 |
| Noninterest expense to average assets | 3.3859% | 1,856 |
| Loan and lease loss provision to assets | 0.0966% | 3,175 |
| Net operating income to assets | 0.6188% | 4,202 |
| Return on assets (ROA) | 0.6170% | 4,373 |
| Pretax return on assets | 0.5947% | 5,033 |
| Return on Equity (ROE) | 5.0339% | 4,716 |
| Retained earnings to average equity (ytd only) | -26.6249% | 6,834 |
| Net charge-offs to loans | 0.1841% | 2,655 |
| Credit loss provision to net charge-offs | 113.0435% | 1,956 |
| Earnings coverage of net charge-offs (x) | 8.1087% | 2,455 |
| Efficiency ratio | 83.0068% | 1,756 |
| Assets per employee ($millions) | 3.0795% | 5,719 |
| Cash dividends to net income (ytd only)* | 628.9157% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9226% | 2,046 |
| Loan loss allowance to noncurrent loans | 58.6288% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 2.0816% | 2,076 |
| Noncurrent loans to loans | 3.2792% | 1,337 |
| Net loans and leases to total assets | 42.1362% | 5,891 |
| Net loans and leases to deposits | 48.1810% | 5,973 |
| Net loans and leases to core deposits | 48.7501% | 6,091 |
| Total domestic deposits to total assets | 87.4539% | 2,562 |
| Equity capital to assets | 12.0299% | 1,899 |
| Core capital (leverage) ratio | 12.6118% | 1,314 |
| Tier 1 risk-based capital ratio | 23.3454% | 1,085 |
| Total risk-based capital ratio | 24.6858% | 1,050 |
| Memoranda: | ||
| Average total assets | $107,622,330 | 4,624 |
| Average earning assets | $99,327,330 | 4,606 |
| Average equity | $13,190,670 | 4,301 |
| Average total loans | $49,986,000 | 5,022 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 3,982 |
| Cost of funding earning assets | 0.4867% | 4,216 |
| Net interest margin | 3.5476% | 3,487 |
| Noninterest income to average assets | 0.7536% | 2,322 |
| Noninterest expense to average assets | 3.1445% | 2,529 |
| Loan and lease loss provision to assets | 0.1775% | 2,094 |
| Net operating income to assets | 0.6786% | 3,787 |
| Return on assets (ROA) | 0.6786% | 3,943 |
| Pretax return on assets | 0.7102% | 4,536 |
| Return on Equity (ROE) | 5.4768% | 4,317 |
| Retained earnings to average equity (ytd only) | 2.6747% | 4,683 |
| Net charge-offs to loans | 0.1301% | 2,626 |
| Credit loss provision to net charge-offs | 281.2500% | 841 |
| Earnings coverage of net charge-offs (x) | 14.0625% | 1,481 |
| Efficiency ratio | 77.9843% | 2,611 |
| Assets per employee ($millions) | 2.9929% | 6,001 |
| Cash dividends to net income (ytd only)* | 51.1628% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0868% | 1,825 |
| Loan loss allowance to noncurrent loans | 53.0858% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 2.7006% | 1,678 |
| Noncurrent loans to loans | 3.9311% | 1,159 |
| Net loans and leases to total assets | 46.8007% | 5,349 |
| Net loans and leases to deposits | 54.4867% | 5,396 |
| Net loans and leases to core deposits | 55.9461% | 5,525 |
| Total domestic deposits to total assets | 85.8938% | 3,587 |
| Equity capital to assets | 12.3146% | 1,831 |
| Core capital (leverage) ratio | 11.9603% | 1,592 |
| Tier 1 risk-based capital ratio | 23.2655% | 1,118 |
| Total risk-based capital ratio | 24.5247% | 1,096 |
| Memoranda: | ||
| Average total assets | $101,383,000 | 4,828 |
| Average earning assets | $93,697,500 | 4,805 |
| Average equity | $12,562,000 | 4,461 |
| Average total loans | $49,180,000 | 5,085 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4150% | 3,755 |
| Cost of funding earning assets | 0.6400% | 4,005 |
| Net interest margin | 3.7751% | 3,340 |
| Noninterest income to average assets | 0.8521% | 2,030 |
| Noninterest expense to average assets | 3.1216% | 2,866 |
| Loan and lease loss provision to assets | 0.1772% | 3,410 |
| Net operating income to assets | 0.8385% | 3,103 |
| Return on assets (ROA) | 0.9734% | 2,678 |
| Pretax return on assets | 1.1959% | 2,820 |
| Return on Equity (ROE) | 8.1318% | 3,026 |
| Retained earnings to average equity (ytd only) | 3.9171% | 3,447 |
| Net charge-offs to loans | 0.1723% | 3,999 |
| Credit loss provision to net charge-offs | 206.7416% | 1,238 |
| Earnings coverage of net charge-offs (x) | 14.0787% | 1,768 |
| Efficiency ratio | 72.1246% | 3,394 |
| Assets per employee ($millions) | 2.8860% | 6,183 |
| Cash dividends to net income (ytd only)* | 51.8299% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9830% | 2,061 |
| Loan loss allowance to noncurrent loans | 49.8231% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.7988% | 1,712 |
| Noncurrent loans to loans | 3.9801% | 1,184 |
| Net loans and leases to total assets | 48.2492% | 5,383 |
| Net loans and leases to deposits | 56.3025% | 5,416 |
| Net loans and leases to core deposits | 58.4582% | 5,500 |
| Total domestic deposits to total assets | 85.6963% | 3,515 |
| Equity capital to assets | 12.4672% | 1,734 |
| Core capital (leverage) ratio | 11.6639% | 1,757 |
| Tier 1 risk-based capital ratio | 22.9098% | 1,124 |
| Total risk-based capital ratio | 24.1679% | 1,106 |
| Memoranda: | ||
| Average total assets | $103,858,600 | 4,739 |
| Average earning assets | $95,627,800 | 4,706 |
| Average equity | $12,432,600 | 4,473 |
| Average total loans | $51,655,800 | 5,032 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 3,822 |
| Cost of funding earning assets | 0.6576% | 4,126 |
| Net interest margin | 3.7946% | 3,360 |
| Noninterest income to average assets | 0.8479% | 2,045 |
| Noninterest expense to average assets | 3.0868% | 2,923 |
| Loan and lease loss provision to assets | 0.1964% | 3,124 |
| Net operating income to assets | 0.8330% | 3,292 |
| Return on assets (ROA) | 1.0073% | 2,697 |
| Pretax return on assets | 1.2801% | 2,667 |
| Return on Equity (ROE) | 8.4996% | 3,046 |
| Retained earnings to average equity (ytd only) | 6.6060% | 2,327 |
| Net charge-offs to loans | 0.1049% | 4,344 |
| Credit loss provision to net charge-offs | 375.6098% | 718 |
| Earnings coverage of net charge-offs (x) | 24.0223% | 1,293 |
| Efficiency ratio | 71.0804% | 3,493 |
| Assets per employee ($millions) | 3.0173% | 6,023 |
| Cash dividends to net income (ytd only)* | 22.2783% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 2,271 |
| Loan loss allowance to noncurrent loans | 44.0351% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 2.8152% | 1,867 |
| Noncurrent loans to loans | 4.4641% | 1,062 |
| Net loans and leases to total assets | 47.4125% | 5,621 |
| Net loans and leases to deposits | 55.1584% | 5,705 |
| Net loans and leases to core deposits | 57.5616% | 5,760 |
| Total domestic deposits to total assets | 85.9571% | 3,279 |
| Equity capital to assets | 12.0951% | 2,180 |
| Core capital (leverage) ratio | 11.3283% | 2,114 |
| Tier 1 risk-based capital ratio | 22.5859% | 1,241 |
| Total risk-based capital ratio | 23.1867% | 1,317 |
| Memoranda: | ||
| Average total assets | $104,571,000 | 4,758 |
| Average earning assets | $96,310,000 | 4,731 |
| Average equity | $12,392,500 | 4,525 |
| Average total loans | $52,139,250 | 5,067 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 3,841 |
| Cost of funding earning assets | 0.6744% | 4,234 |
| Net interest margin | 3.8084% | 3,319 |
| Noninterest income to average assets | 0.8424% | 1,994 |
| Noninterest expense to average assets | 2.9858% | 3,312 |
| Loan and lease loss provision to assets | 0.1132% | 4,114 |
| Net operating income to assets | 0.9806% | 2,542 |
| Return on assets (ROA) | 0.9806% | 2,785 |
| Pretax return on assets | 1.2434% | 2,751 |
| Return on Equity (ROE) | 8.3322% | 3,101 |
| Retained earnings to average equity (ytd only) | 6.8973% | 2,162 |
| Net charge-offs to loans | 0.0343% | 4,900 |
| Credit loss provision to net charge-offs | 655.5556% | 487 |
| Earnings coverage of net charge-offs (x) | 78.5556% | 519 |
| Efficiency ratio | 68.7583% | 3,979 |
| Assets per employee ($millions) | 3.1547% | 5,734 |
| Cash dividends to net income (ytd only)* | 17.2211% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 2,832 |
| Loan loss allowance to noncurrent loans | 39.5877% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 2.6030% | 2,130 |
| Noncurrent loans to loans | 4.5663% | 1,150 |
| Net loans and leases to total assets | 47.6547% | 5,650 |
| Net loans and leases to deposits | 55.1023% | 5,756 |
| Net loans and leases to core deposits | 57.4450% | 5,820 |
| Total domestic deposits to total assets | 86.4841% | 3,082 |
| Equity capital to assets | 11.7090% | 2,401 |
| Core capital (leverage) ratio | 11.2528% | 2,081 |
| Tier 1 risk-based capital ratio | 21.8711% | 1,323 |
| Total risk-based capital ratio | 22.3267% | 1,438 |
| Memoranda: | ||
| Average total assets | $104,226,330 | 4,795 |
| Average earning assets | $95,787,670 | 4,774 |
| Average equity | $12,265,670 | 4,548 |
| Average total loans | $52,494,330 | 5,085 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 3,779 |
| Cost of funding earning assets | 0.6980% | 4,298 |
| Net interest margin | 3.8367% | 3,208 |
| Noninterest income to average assets | 0.8373% | 2,003 |
| Noninterest expense to average assets | 2.9715% | 3,378 |
| Loan and lease loss provision to assets | 0.1013% | 4,070 |
| Net operating income to assets | 1.0048% | 2,467 |
| Return on assets (ROA) | 1.0048% | 2,654 |
| Pretax return on assets | 1.2969% | 2,549 |
| Return on Equity (ROE) | 8.5156% | 3,051 |
| Retained earnings to average equity (ytd only) | 8.5156% | 1,774 |
| Net charge-offs to loans | 0.0835% | 3,667 |
| Credit loss provision to net charge-offs | 236.3636% | 1,197 |
| Earnings coverage of net charge-offs (x) | 32.6364% | 861 |
| Efficiency ratio | 68.0036% | 4,170 |
| Assets per employee ($millions) | 3.1995% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 3,193 |
| Loan loss allowance to noncurrent loans | 53.6095% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.9984% | 2,899 |
| Noncurrent loans to loans | 3.2456% | 1,975 |
| Net loans and leases to total assets | 48.4590% | 5,498 |
| Net loans and leases to deposits | 55.8858% | 5,617 |
| Net loans and leases to core deposits | 58.0954% | 5,706 |
| Total domestic deposits to total assets | 86.7108% | 3,112 |
| Equity capital to assets | 11.5692% | 2,372 |
| Core capital (leverage) ratio | 11.4014% | 1,961 |
| Tier 1 risk-based capital ratio | 21.5777% | 1,367 |
| Total risk-based capital ratio | 21.9694% | 1,511 |
| Memoranda: | ||
| Average total assets | $102,710,000 | 4,873 |
| Average earning assets | $94,560,500 | 4,833 |
| Average equity | $12,119,000 | 4,587 |
| Average total loans | $52,714,000 | 5,118 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8002% | 3,809 |
| Cost of funding earning assets | 0.8762% | 4,283 |
| Net interest margin | 3.9241% | 3,230 |
| Noninterest income to average assets | 0.9304% | 1,567 |
| Noninterest expense to average assets | 3.1542% | 3,013 |
| Loan and lease loss provision to assets | 0.1647% | 4,570 |
| Net operating income to assets | 0.9207% | 2,521 |
| Return on assets (ROA) | 1.0382% | 2,203 |
| Pretax return on assets | 1.3839% | 1,827 |
| Return on Equity (ROE) | 9.0086% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.0086% | 798 |
| Net charge-offs to loans | 0.0625% | 5,673 |
| Credit loss provision to net charge-offs | 490.9091% | 465 |
| Earnings coverage of net charge-offs (x) | 41.4848% | 651 |
| Efficiency ratio | 69.3805% | 4,073 |
| Assets per employee ($millions) | 3.0254% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 2,848 |
| Loan loss allowance to noncurrent loans | 52.0518% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.0353% | 2,912 |
| Noncurrent loans to loans | 3.4709% | 1,846 |
| Net loans and leases to total assets | 52.4790% | 5,237 |
| Net loans and leases to deposits | 61.2187% | 5,345 |
| Net loans and leases to core deposits | 63.8111% | 5,484 |
| Total domestic deposits to total assets | 85.7239% | 3,474 |
| Equity capital to assets | 12.0425% | 2,089 |
| Core capital (leverage) ratio | 11.4596% | 1,925 |
| Tier 1 risk-based capital ratio | 21.0362% | 1,399 |
| Total risk-based capital ratio | 21.5288% | 1,552 |
| Memoranda: | ||
| Average total assets | $98,343,800 | 4,938 |
| Average earning assets | $90,620,400 | 4,910 |
| Average equity | $11,333,600 | 4,703 |
| Average total loans | $52,764,800 | 5,164 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8351% | 3,858 |
| Cost of funding earning assets | 0.8979% | 4,414 |
| Net interest margin | 3.9372% | 3,198 |
| Noninterest income to average assets | 0.9186% | 1,584 |
| Noninterest expense to average assets | 3.1750% | 2,903 |
| Loan and lease loss provision to assets | 0.1456% | 4,620 |
| Net operating income to assets | 0.9331% | 2,604 |
| Return on assets (ROA) | 0.9962% | 2,488 |
| Pretax return on assets | 1.3092% | 2,258 |
| Return on Equity (ROE) | 8.7444% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.7444% | 1,235 |
| Net charge-offs to loans | -0.0532% | 7,059 |
| Credit loss provision to net charge-offs | -509.5238% | 6,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8294% | 3,981 |
| Assets per employee ($millions) | 3.0357% | 6,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 3,027 |
| Loan loss allowance to noncurrent loans | 54.1315% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.9555% | 3,202 |
| Noncurrent loans to loans | 3.2781% | 2,109 |
| Net loans and leases to total assets | 53.2118% | 5,289 |
| Net loans and leases to deposits | 61.9352% | 5,410 |
| Net loans and leases to core deposits | 64.5410% | 5,560 |
| Total domestic deposits to total assets | 85.9152% | 3,260 |
| Equity capital to assets | 11.8228% | 2,397 |
| Core capital (leverage) ratio | 11.1565% | 2,277 |
| Tier 1 risk-based capital ratio | 20.2811% | 1,625 |
| Total risk-based capital ratio | 20.7520% | 1,784 |
| Memoranda: | ||
| Average total assets | $97,970,250 | 4,981 |
| Average earning assets | $90,282,000 | 4,946 |
| Average equity | $11,161,250 | 4,767 |
| Average total loans | $52,616,500 | 5,208 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 4,064 |
| Cost of funding earning assets | 0.9195% | 4,525 |
| Net interest margin | 3.8901% | 3,368 |
| Noninterest income to average assets | 0.8577% | 1,779 |
| Noninterest expense to average assets | 3.2149% | 2,846 |
| Loan and lease loss provision to assets | 0.1378% | 4,580 |
| Net operating income to assets | 0.8642% | 2,803 |
| Return on assets (ROA) | 0.9194% | 2,654 |
| Pretax return on assets | 1.1601% | 2,638 |
| Return on Equity (ROE) | 8.1766% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.1766% | 1,395 |
| Net charge-offs to loans | -0.0730% | 7,102 |
| Credit loss provision to net charge-offs | -352.6316% | 6,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3611% | 3,660 |
| Assets per employee ($millions) | 2.9002% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 3,225 |
| Loan loss allowance to noncurrent loans | 96.3389% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 4,485 |
| Noncurrent loans to loans | 1.7954% | 3,762 |
| Net loans and leases to total assets | 53.0636% | 5,424 |
| Net loans and leases to deposits | 61.5588% | 5,554 |
| Net loans and leases to core deposits | 64.7362% | 5,637 |
| Total domestic deposits to total assets | 86.1999% | 3,218 |
| Equity capital to assets | 11.5599% | 2,450 |
| Core capital (leverage) ratio | 11.0886% | 2,181 |
| Tier 1 risk-based capital ratio | 20.0873% | 1,595 |
| Total risk-based capital ratio | 20.5108% | 1,737 |
| Memoranda: | ||
| Average total assets | $97,234,000 | 5,041 |
| Average earning assets | $89,612,330 | 5,009 |
| Average equity | $10,933,670 | 4,816 |
| Average total loans | $52,065,330 | 5,278 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 4,336 |
| Cost of funding earning assets | 0.9388% | 4,656 |
| Net interest margin | 3.8001% | 3,616 |
| Noninterest income to average assets | 0.7955% | 2,052 |
| Noninterest expense to average assets | 3.2150% | 2,846 |
| Loan and lease loss provision to assets | 0.0621% | 5,214 |
| Net operating income to assets | 0.8203% | 2,927 |
| Return on assets (ROA) | 0.8203% | 2,983 |
| Pretax return on assets | 1.0233% | 3,049 |
| Return on Equity (ROE) | 7.4012% | 3,199 |
| Retained earnings to average equity (ytd only) | 7.4012% | 1,988 |
| Net charge-offs to loans | 0.0078% | 5,001 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 117 |
| Efficiency ratio | 74.7592% | 3,377 |
| Assets per employee ($millions) | 2.9342% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 3,417 |
| Loan loss allowance to noncurrent loans | 54.7742% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.8484% | 3,495 |
| Noncurrent loans to loans | 3.0645% | 2,451 |
| Net loans and leases to total assets | 49.8486% | 5,866 |
| Net loans and leases to deposits | 57.7375% | 5,950 |
| Net loans and leases to core deposits | 60.5280% | 6,054 |
| Total domestic deposits to total assets | 86.3368% | 3,318 |
| Equity capital to assets | 10.8095% | 2,869 |
| Core capital (leverage) ratio | 11.0937% | 2,118 |
| Tier 1 risk-based capital ratio | 20.1638% | 1,554 |
| Total risk-based capital ratio | 20.4971% | 1,711 |
| Memoranda: | ||
| Average total assets | $96,547,000 | 5,089 |
| Average earning assets | $89,050,500 | 5,055 |
| Average equity | $10,701,000 | 4,869 |
| Average total loans | $51,475,000 | 5,346 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3892% | 2,725 |
| Cost of funding earning assets | 1.1870% | 4,640 |
| Net interest margin | 4.2023% | 2,176 |
| Noninterest income to average assets | 0.9807% | 1,568 |
| Noninterest expense to average assets | 3.5728% | 1,992 |
| Loan and lease loss provision to assets | 0.2554% | 4,745 |
| Net operating income to assets | 0.8524% | 2,578 |
| Return on assets (ROA) | 0.8524% | 2,717 |
| Pretax return on assets | 0.9877% | 2,970 |
| Return on Equity (ROE) | 7.0623% | 3,084 |
| Retained earnings to average equity (ytd only) | 7.0623% | 1,294 |
| Net charge-offs to loans | 1.0770% | 2,061 |
| Credit loss provision to net charge-offs | 39.8182% | 6,390 |
| Earnings coverage of net charge-offs (x) | 1.9382% | 4,273 |
| Efficiency ratio | 74.1889% | 3,359 |
| Assets per employee ($millions) | 2.6666% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,593 |
| Loan loss allowance to noncurrent loans | 68.4426% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.6222% | 3,882 |
| Noncurrent loans to loans | 2.3296% | 3,191 |
| Net loans and leases to total assets | 55.2180% | 5,453 |
| Net loans and leases to deposits | 64.4357% | 5,577 |
| Net loans and leases to core deposits | 67.4392% | 5,723 |
| Total domestic deposits to total assets | 85.6948% | 3,498 |
| Equity capital to assets | 11.3768% | 2,356 |
| Core capital (leverage) ratio | 11.6026% | 1,779 |
| Tier 1 risk-based capital ratio | 19.8238% | 1,519 |
| Total risk-based capital ratio | 20.1332% | 1,719 |
| Memoranda: | ||
| Average total assets | $85,758,200 | 5,415 |
| Average earning assets | $78,267,000 | 5,403 |
| Average equity | $10,350,800 | 5,023 |
| Average total loans | $51,069,400 | 5,443 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4905% | 2,463 |
| Cost of funding earning assets | 1.2374% | 4,643 |
| Net interest margin | 4.2531% | 2,019 |
| Noninterest income to average assets | 0.9507% | 1,619 |
| Noninterest expense to average assets | 3.6311% | 1,712 |
| Loan and lease loss provision to assets | 0.2893% | 4,263 |
| Net operating income to assets | 0.7758% | 3,107 |
| Return on assets (ROA) | 0.7758% | 3,262 |
| Pretax return on assets | 0.9046% | 3,535 |
| Return on Equity (ROE) | 6.3268% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.3268% | 2,189 |
| Net charge-offs to loans | 1.3689% | 1,481 |
| Credit loss provision to net charge-offs | 34.9328% | 6,094 |
| Earnings coverage of net charge-offs (x) | 1.4415% | 4,645 |
| Efficiency ratio | 75.2554% | 3,092 |
| Assets per employee ($millions) | 2.5037% | 7,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 3,721 |
| Loan loss allowance to noncurrent loans | 81.2377% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 4,540 |
| Noncurrent loans to loans | 1.9120% | 3,789 |
| Net loans and leases to total assets | 59.8147% | 4,949 |
| Net loans and leases to deposits | 69.0762% | 5,264 |
| Net loans and leases to core deposits | 71.4929% | 5,573 |
| Total domestic deposits to total assets | 86.5923% | 2,763 |
| Equity capital to assets | 12.2905% | 1,979 |
| Core capital (leverage) ratio | 11.8148% | 1,756 |
| Tier 1 risk-based capital ratio | 19.4934% | 1,645 |
| Total risk-based capital ratio | 19.7972% | 1,827 |
| Memoranda: | ||
| Average total assets | $83,865,250 | 5,541 |
| Average earning assets | $76,396,500 | 5,536 |
| Average equity | $10,284,000 | 5,110 |
| Average total loans | $50,744,250 | 5,539 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 2,495 |
| Cost of funding earning assets | 1.2758% | 4,678 |
| Net interest margin | 4.2294% | 2,055 |
| Noninterest income to average assets | 0.8449% | 1,901 |
| Noninterest expense to average assets | 3.6678% | 1,628 |
| Loan and lease loss provision to assets | 0.1816% | 5,050 |
| Net operating income to assets | 0.7408% | 3,232 |
| Return on assets (ROA) | 0.7408% | 3,381 |
| Pretax return on assets | 0.8401% | 3,741 |
| Return on Equity (ROE) | 6.0462% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.0462% | 2,312 |
| Net charge-offs to loans | 0.5770% | 2,806 |
| Credit loss provision to net charge-offs | 52.0833% | 5,370 |
| Earnings coverage of net charge-offs (x) | 2.9306% | 3,530 |
| Efficiency ratio | 78.2137% | 2,692 |
| Assets per employee ($millions) | 2.4594% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0842% | 1,996 |
| Loan loss allowance to noncurrent loans | 69.4744% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.9744% | 3,524 |
| Noncurrent loans to loans | 2.9999% | 2,677 |
| Net loans and leases to total assets | 61.6336% | 4,755 |
| Net loans and leases to deposits | 72.8329% | 4,865 |
| Net loans and leases to core deposits | 75.0124% | 5,318 |
| Total domestic deposits to total assets | 84.6233% | 3,809 |
| Equity capital to assets | 12.4432% | 1,832 |
| Core capital (leverage) ratio | 12.1782% | 1,557 |
| Tier 1 risk-based capital ratio | 19.7088% | 1,561 |
| Total risk-based capital ratio | 20.5863% | 1,608 |
| Memoranda: | ||
| Average total assets | $82,610,670 | 5,605 |
| Average earning assets | $75,092,670 | 5,600 |
| Average equity | $10,122,000 | 5,165 |
| Average total loans | $49,911,670 | 5,609 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4426% | 2,856 |
| Cost of funding earning assets | 1.2907% | 4,868 |
| Net interest margin | 4.1518% | 2,223 |
| Noninterest income to average assets | 0.7113% | 2,524 |
| Noninterest expense to average assets | 3.6392% | 1,642 |
| Loan and lease loss provision to assets | 0.1462% | 5,087 |
| Net operating income to assets | 0.6626% | 3,603 |
| Return on assets (ROA) | 0.6626% | 3,717 |
| Pretax return on assets | 0.6869% | 4,281 |
| Return on Equity (ROE) | 5.4506% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.4506% | 2,901 |
| Net charge-offs to loans | 0.6838% | 2,124 |
| Credit loss provision to net charge-offs | 36.1446% | 4,715 |
| Earnings coverage of net charge-offs (x) | 2.0602% | 3,512 |
| Efficiency ratio | 81.3725% | 2,367 |
| Assets per employee ($millions) | 2.4768% | 7,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2940% | 1,585 |
| Loan loss allowance to noncurrent loans | 86.2791% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.7325% | 3,877 |
| Noncurrent loans to loans | 2.6588% | 3,015 |
| Net loans and leases to total assets | 57.9998% | 5,437 |
| Net loans and leases to deposits | 68.6045% | 5,522 |
| Net loans and leases to core deposits | 70.5033% | 5,873 |
| Total domestic deposits to total assets | 84.5424% | 3,877 |
| Equity capital to assets | 12.3524% | 1,840 |
| Core capital (leverage) ratio | 12.0905% | 1,602 |
| Tier 1 risk-based capital ratio | 20.5689% | 1,413 |
| Total risk-based capital ratio | 21.6125% | 1,419 |
| Memoranda: | ||
| Average total assets | $82,106,000 | 5,700 |
| Average earning assets | $74,376,500 | 5,692 |
| Average equity | $9,980,500 | 5,241 |
| Average total loans | $48,550,000 | 5,732 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6423% | 3,386 |
| Cost of funding earning assets | 1.5204% | 5,437 |
| Net interest margin | 4.1219% | 2,358 |
| Noninterest income to average assets | 0.9064% | 1,920 |
| Noninterest expense to average assets | 3.7692% | 1,756 |
| Loan and lease loss provision to assets | 0.4617% | 4,062 |
| Net operating income to assets | 0.4113% | 4,084 |
| Return on assets (ROA) | 0.5933% | 3,437 |
| Pretax return on assets | 0.6116% | 3,874 |
| Return on Equity (ROE) | 4.9547% | 3,688 |
| Retained earnings to average equity (ytd only) | 4.9547% | 1,843 |
| Net charge-offs to loans | 0.8940% | 2,607 |
| Credit loss provision to net charge-offs | 89.8104% | 6,002 |
| Earnings coverage of net charge-offs (x) | 1.7227% | 4,444 |
| Efficiency ratio | 80.9736% | 2,753 |
| Assets per employee ($millions) | 2.2911% | 7,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4001% | 1,347 |
| Loan loss allowance to noncurrent loans | 76.7105% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 2.1121% | 3,254 |
| Noncurrent loans to loans | 3.1287% | 2,447 |
| Net loans and leases to total assets | 57.4886% | 5,741 |
| Net loans and leases to deposits | 67.5499% | 5,884 |
| Net loans and leases to core deposits | 77.0553% | 6,332 |
| Total domestic deposits to total assets | 85.1053% | 3,505 |
| Equity capital to assets | 11.9606% | 2,054 |
| Core capital (leverage) ratio | 11.6055% | 1,863 |
| Tier 1 risk-based capital ratio | 20.2598% | 1,411 |
| Total risk-based capital ratio | 21.4117% | 1,394 |
| Memoranda: | ||
| Average total assets | $82,085,800 | 5,665 |
| Average earning assets | $74,649,800 | 5,646 |
| Average equity | $9,829,000 | 5,344 |
| Average total loans | $47,203,600 | 5,796 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6907% | 3,390 |
| Cost of funding earning assets | 1.5655% | 5,568 |
| Net interest margin | 4.1252% | 2,304 |
| Noninterest income to average assets | 0.9058% | 1,962 |
| Noninterest expense to average assets | 3.6021% | 2,022 |
| Loan and lease loss provision to assets | 0.0797% | 6,568 |
| Net operating income to assets | 0.8025% | 2,807 |
| Return on assets (ROA) | 0.9026% | 2,482 |
| Pretax return on assets | 1.1042% | 2,546 |
| Return on Equity (ROE) | 7.5354% | 2,850 |
| Retained earnings to average equity (ytd only) | 7.5354% | 1,302 |
| Net charge-offs to loans | 1.2463% | 1,638 |
| Credit loss provision to net charge-offs | 11.1872% | 6,613 |
| Earnings coverage of net charge-offs (x) | 1.4908% | 4,671 |
| Efficiency ratio | 77.2315% | 3,280 |
| Assets per employee ($millions) | 2.3652% | 7,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 2,462 |
| Loan loss allowance to noncurrent loans | 55.5932% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.0500% | 3,283 |
| Noncurrent loans to loans | 3.1352% | 2,410 |
| Net loans and leases to total assets | 55.8418% | 6,160 |
| Net loans and leases to deposits | 66.7914% | 6,229 |
| Net loans and leases to core deposits | 76.3767% | 6,586 |
| Total domestic deposits to total assets | 83.6063% | 3,903 |
| Equity capital to assets | 12.2478% | 2,097 |
| Core capital (leverage) ratio | 11.8010% | 1,902 |
| Tier 1 risk-based capital ratio | 20.6501% | 1,430 |
| Total risk-based capital ratio | 21.9063% | 1,382 |
| Memoranda: | ||
| Average total assets | $81,987,500 | 5,691 |
| Average earning assets | $74,693,000 | 5,684 |
| Average equity | $9,820,000 | 5,392 |
| Average total loans | $46,859,000 | 5,855 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7166% | 3,449 |
| Cost of funding earning assets | 1.6088% | 5,710 |
| Net interest margin | 4.1078% | 2,296 |
| Noninterest income to average assets | 0.9814% | 1,658 |
| Noninterest expense to average assets | 3.4507% | 2,490 |
| Loan and lease loss provision to assets | 0.0710% | 6,486 |
| Net operating income to assets | 0.9618% | 2,238 |
| Return on assets (ROA) | 0.9618% | 2,339 |
| Pretax return on assets | 1.2090% | 2,273 |
| Return on Equity (ROE) | 8.0917% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.0917% | 1,180 |
| Net charge-offs to loans | 0.6881% | 2,328 |
| Credit loss provision to net charge-offs | 18.0124% | 6,145 |
| Earnings coverage of net charge-offs (x) | 3.2484% | 3,517 |
| Efficiency ratio | 72.9436% | 4,210 |
| Assets per employee ($millions) | 2.5218% | 7,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3392% | 1,059 |
| Loan loss allowance to noncurrent loans | 79.6598% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.7135% | 3,615 |
| Noncurrent loans to loans | 2.9365% | 2,450 |
| Net loans and leases to total assets | 54.0296% | 6,450 |
| Net loans and leases to deposits | 64.5015% | 6,519 |
| Net loans and leases to core deposits | 73.7949% | 6,806 |
| Total domestic deposits to total assets | 83.7649% | 3,890 |
| Equity capital to assets | 11.7687% | 2,344 |
| Core capital (leverage) ratio | 11.6362% | 2,017 |
| Tier 1 risk-based capital ratio | 20.5509% | 1,474 |
| Total risk-based capital ratio | 21.8136% | 1,433 |
| Memoranda: | ||
| Average total assets | $81,722,670 | 5,738 |
| Average earning assets | $74,590,000 | 5,723 |
| Average equity | $9,713,670 | 5,452 |
| Average total loans | $46,796,330 | 5,899 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8047% | 3,273 |
| Cost of funding earning assets | 1.6616% | 5,770 |
| Net interest margin | 4.1431% | 2,111 |
| Noninterest income to average assets | 0.8941% | 1,878 |
| Noninterest expense to average assets | 3.3492% | 2,500 |
| Loan and lease loss provision to assets | 0.0790% | 5,962 |
| Net operating income to assets | 0.9880% | 2,364 |
| Return on assets (ROA) | 0.9880% | 2,497 |
| Pretax return on assets | 1.2597% | 2,414 |
| Return on Equity (ROE) | 8.2700% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.2700% | 1,718 |
| Net charge-offs to loans | 1.3567% | 1,043 |
| Credit loss provision to net charge-offs | 10.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | 1.6938% | 3,881 |
| Efficiency ratio | 71.4436% | 4,279 |
| Assets per employee ($millions) | 2.4281% | 7,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2591% | 1,001 |
| Loan loss allowance to noncurrent loans | 79.2411% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7576% | 3,288 |
| Noncurrent loans to loans | 2.8509% | 2,294 |
| Net loans and leases to total assets | 55.8149% | 6,264 |
| Net loans and leases to deposits | 67.1848% | 6,252 |
| Net loans and leases to core deposits | 76.7736% | 6,625 |
| Total domestic deposits to total assets | 83.0767% | 4,106 |
| Equity capital to assets | 11.8818% | 2,338 |
| Core capital (leverage) ratio | 11.5579% | 2,109 |
| Tier 1 risk-based capital ratio | 19.8889% | 1,642 |
| Total risk-based capital ratio | 21.1503% | 1,595 |
| Memoranda: | ||
| Average total assets | $80,973,500 | 5,783 |
| Average earning assets | $74,147,000 | 5,763 |
| Average equity | $9,673,500 | 5,486 |
| Average total loans | $47,174,000 | 5,907 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3306% | 3,788 |
| Cost of funding earning assets | 2.2411% | 5,415 |
| Net interest margin | 4.0895% | 2,760 |
| Noninterest income to average assets | 0.6768% | 3,279 |
| Noninterest expense to average assets | 3.5388% | 2,294 |
| Loan and lease loss provision to assets | 0.8077% | 1,838 |
| Net operating income to assets | 0.2315% | 5,750 |
| Return on assets (ROA) | 0.2503% | 5,519 |
| Pretax return on assets | 0.0704% | 6,009 |
| Return on Equity (ROE) | 2.1128% | 5,573 |
| Retained earnings to average equity (ytd only) | 0.2017% | 5,111 |
| Net charge-offs to loans | 0.4171% | 2,734 |
| Credit loss provision to net charge-offs | 327.5510% | 1,382 |
| Earnings coverage of net charge-offs (x) | 3.4847% | 4,346 |
| Efficiency ratio | 80.4634% | 2,534 |
| Assets per employee ($millions) | 2.2683% | 7,609 |
| Cash dividends to net income (ytd only)* | 90.4523% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5612% | 644 |
| Loan loss allowance to noncurrent loans | 74.7219% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.4990% | 1,942 |
| Noncurrent loans to loans | 3.4276% | 1,497 |
| Net loans and leases to total assets | 57.9353% | 6,203 |
| Net loans and leases to deposits | 69.7861% | 6,293 |
| Net loans and leases to core deposits | 81.0845% | 6,530 |
| Total domestic deposits to total assets | 83.0184% | 3,766 |
| Equity capital to assets | 12.0138% | 2,283 |
| Core capital (leverage) ratio | 11.6523% | 2,155 |
| Tier 1 risk-based capital ratio | 19.5757% | 1,690 |
| Total risk-based capital ratio | 20.8418% | 1,642 |
| Memoranda: | ||
| Average total assets | $79,489,400 | 5,720 |
| Average earning assets | $72,331,400 | 5,729 |
| Average equity | $9,418,600 | 5,600 |
| Average total loans | $46,990,200 | 5,824 |