Home > Newport Federal Bank > Performance and Condition Ratios
Newport Federal Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 86,742.0000% | 24 |
| Cost of funding earning assets | 0.0000% | 4,397 |
| Net interest margin | 0.0000% | 4,423 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 0.0000% | 4,437 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 0.6180% | 3,324 |
| Pretax return on assets | 0.7707% | 3,253 |
| Return on Equity (ROE) | 8.5200% | 2,732 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,662 |
| Net charge-offs to loans | 3.0000% | 61 |
| Credit loss provision to net charge-offs | 1.0000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 0.0000% | 4,454 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 3.4758% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 525.0000% | 31 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 521.0000% | 8 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 0.0000% | 4,428 |
| Equity capital to assets | 134,593.0000% | 17 |
| Core capital (leverage) ratio | 0.0000% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,000 | 4,464 |
| Average earning assets | $11,095 | 4,437 |
| Average equity | $0 | 4,424 |
| Average total loans | NA | NA |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 4,121 |
| Cost of funding earning assets | 1.9851% | 2,253 |
| Net interest margin | 2.2631% | 4,112 |
| Noninterest income to average assets | 0.2900% | 3,113 |
| Noninterest expense to average assets | 1.8657% | 3,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4704% | 3,546 |
| Return on assets (ROA) | 0.4704% | 3,561 |
| Pretax return on assets | 0.5773% | 3,513 |
| Return on Equity (ROE) | 6.7000% | 3,104 |
| Retained earnings to average equity (ytd only) | 3.5160% | 2,821 |
| Net charge-offs to loans | -0.0042% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 76.3683% | 1,327 |
| Assets per employee ($millions) | 7.3160% | 1,952 |
| Cash dividends to net income (ytd only)* | 47.5059% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 1,510 |
| Loan loss allowance to noncurrent loans | 239.7644% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 2,262 |
| Noncurrent loans to loans | 0.5591% | 1,682 |
| Net loans and leases to total assets | 44.2600% | 3,877 |
| Net loans and leases to deposits | 48.2713% | 3,966 |
| Net loans and leases to core deposits | 60.9680% | 3,710 |
| Total domestic deposits to total assets | 91.6900% | 358 |
| Equity capital to assets | 7.0375% | 3,950 |
| Core capital (leverage) ratio | 10.2101% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5437% | 496 |
| Memoranda: | ||
| Average total assets | $268,474,600 | 2,605 |
| Average earning assets | $255,404,800 | 2,567 |
| Average equity | $18,856,400 | 3,048 |
| Average total loans | $119,144,600 | 3,002 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 4,150 |
| Cost of funding earning assets | 1.9544% | 2,329 |
| Net interest margin | 2.2626% | 4,108 |
| Noninterest income to average assets | 0.3000% | 3,043 |
| Noninterest expense to average assets | 1.8244% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5086% | 3,441 |
| Return on assets (ROA) | 0.5086% | 3,472 |
| Pretax return on assets | 0.6236% | 3,429 |
| Return on Equity (ROE) | 7.2400% | 2,971 |
| Retained earnings to average equity (ytd only) | 2.9916% | 3,185 |
| Net charge-offs to loans | -0.0045% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.5273% | 1,528 |
| Assets per employee ($millions) | 7.5312% | 1,786 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,418 |
| Loan loss allowance to noncurrent loans | 270.7516% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 2,342 |
| Noncurrent loans to loans | 0.5086% | 1,807 |
| Net loans and leases to total assets | 43.7700% | 3,905 |
| Net loans and leases to deposits | 48.0097% | 4,004 |
| Net loans and leases to core deposits | 60.1432% | 3,782 |
| Total domestic deposits to total assets | 91.1800% | 316 |
| Equity capital to assets | 7.6368% | 3,905 |
| Core capital (leverage) ratio | 10.1374% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6941% | 494 |
| Memoranda: | ||
| Average total assets | $267,920,000 | 2,599 |
| Average earning assets | $254,866,500 | 2,569 |
| Average equity | $18,808,000 | 3,049 |
| Average total loans | $118,572,000 | 3,005 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 4,145 |
| Cost of funding earning assets | 1.9164% | 2,312 |
| Net interest margin | 2.2704% | 4,100 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 1.8227% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5119% | 3,403 |
| Return on assets (ROA) | 0.5119% | 3,430 |
| Pretax return on assets | 0.6296% | 3,385 |
| Return on Equity (ROE) | 7.5200% | 2,873 |
| Retained earnings to average equity (ytd only) | 2.0137% | 3,346 |
| Net charge-offs to loans | -0.0085% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.3276% | 1,612 |
| Assets per employee ($millions) | 7.7087% | 1,614 |
| Cash dividends to net income (ytd only)* | 73.2064% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 1,414 |
| Loan loss allowance to noncurrent loans | 1,690.8163% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,446 |
| Noncurrent loans to loans | 0.0822% | 3,250 |
| Net loans and leases to total assets | 43.5600% | 3,929 |
| Net loans and leases to deposits | 47.2113% | 4,038 |
| Net loans and leases to core deposits | 58.7090% | 3,807 |
| Total domestic deposits to total assets | 92.2700% | 226 |
| Equity capital to assets | 6.7223% | 4,038 |
| Core capital (leverage) ratio | 10.1089% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5537% | 498 |
| Memoranda: | ||
| Average total assets | $266,852,333 | 2,602 |
| Average earning assets | $253,705,000 | 2,572 |
| Average equity | $18,175,667 | 3,068 |
| Average total loans | $117,983,667 | 3,010 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 4,188 |
| Cost of funding earning assets | 1.8463% | 2,375 |
| Net interest margin | 2.2394% | 4,151 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 1.8585% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4597% | 3,488 |
| Return on assets (ROA) | 0.4597% | 3,513 |
| Pretax return on assets | 0.5577% | 3,468 |
| Return on Equity (ROE) | 6.7100% | 3,028 |
| Retained earnings to average equity (ytd only) | -4.2869% | 4,095 |
| Net charge-offs to loans | -0.0136% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.9183% | 1,459 |
| Assets per employee ($millions) | 7.6553% | 1,662 |
| Cash dividends to net income (ytd only)* | 163.9344% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 1,355 |
| Loan loss allowance to noncurrent loans | 495.8084% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 2,799 |
| Noncurrent loans to loans | 0.2841% | 2,306 |
| Net loans and leases to total assets | 43.2600% | 3,913 |
| Net loans and leases to deposits | 46.8585% | 4,017 |
| Net loans and leases to core deposits | 58.1232% | 3,836 |
| Total domestic deposits to total assets | 92.3100% | 289 |
| Equity capital to assets | 6.6460% | 4,045 |
| Core capital (leverage) ratio | 10.0996% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4787% | 519 |
| Memoranda: | ||
| Average total assets | $265,376,000 | 2,620 |
| Average earning assets | $252,391,000 | 2,581 |
| Average equity | $18,195,000 | 3,081 |
| Average total loans | $117,384,000 | 3,018 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 4,117 |
| Cost of funding earning assets | 1.2295% | 2,731 |
| Net interest margin | 2.6311% | 3,929 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.8780% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7472% | 3,051 |
| Return on assets (ROA) | 0.7472% | 3,039 |
| Pretax return on assets | 0.9402% | 2,844 |
| Return on Equity (ROE) | 11.8300% | 1,999 |
| Retained earnings to average equity (ytd only) | 8.7603% | 1,312 |
| Net charge-offs to loans | 0.0061% | 2,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 346.5714% | 390 |
| Efficiency ratio | 66.6392% | 2,271 |
| Assets per employee ($millions) | 7.1031% | 2,009 |
| Cash dividends to net income (ytd only)* | 25.9336% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,359 |
| Loan loss allowance to noncurrent loans | 750.9091% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 2,984 |
| Noncurrent loans to loans | 0.1877% | 2,576 |
| Net loans and leases to total assets | 43.9700% | 3,903 |
| Net loans and leases to deposits | 47.8564% | 4,003 |
| Net loans and leases to core deposits | 59.2265% | 3,788 |
| Total domestic deposits to total assets | 91.8800% | 323 |
| Equity capital to assets | 7.0707% | 3,912 |
| Core capital (leverage) ratio | 10.2738% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8884% | 487 |
| Memoranda: | ||
| Average total assets | $258,038,600 | 2,631 |
| Average earning assets | $244,576,600 | 2,603 |
| Average equity | $16,300,800 | 3,154 |
| Average total loans | $113,925,800 | 3,008 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 4,129 |
| Cost of funding earning assets | 1.0630% | 2,854 |
| Net interest margin | 2.7262% | 3,845 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.8802% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8062% | 3,005 |
| Return on assets (ROA) | 0.8062% | 2,998 |
| Pretax return on assets | 1.0315% | 2,764 |
| Return on Equity (ROE) | 13.1600% | 1,869 |
| Retained earnings to average equity (ytd only) | 8.9253% | 1,707 |
| Net charge-offs to loans | 0.0083% | 2,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 283.8571% | 472 |
| Efficiency ratio | 64.5748% | 2,432 |
| Assets per employee ($millions) | 7.1009% | 1,880 |
| Cash dividends to net income (ytd only)* | 32.1958% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 1,345 |
| Loan loss allowance to noncurrent loans | 267.3139% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 2,076 |
| Noncurrent loans to loans | 0.5338% | 1,490 |
| Net loans and leases to total assets | 43.4300% | 3,936 |
| Net loans and leases to deposits | 46.5305% | 4,038 |
| Net loans and leases to core deposits | 56.8349% | 3,819 |
| Total domestic deposits to total assets | 93.3500% | 256 |
| Equity capital to assets | 5.7184% | 4,079 |
| Core capital (leverage) ratio | 10.2383% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2206% | 538 |
| Memoranda: | ||
| Average total assets | $256,844,250 | 2,645 |
| Average earning assets | $243,212,500 | 2,619 |
| Average equity | $15,730,250 | 3,197 |
| Average total loans | $113,103,250 | 3,024 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,120 |
| Cost of funding earning assets | 0.8815% | 2,982 |
| Net interest margin | 2.8393% | 3,756 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.8785% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8890% | 2,798 |
| Return on assets (ROA) | 0.8890% | 2,783 |
| Pretax return on assets | 1.1464% | 2,518 |
| Return on Equity (ROE) | 14.1900% | 1,641 |
| Retained earnings to average equity (ytd only) | 9.1822% | 1,636 |
| Net charge-offs to loans | 0.0125% | 1,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 208.7143% | 588 |
| Efficiency ratio | 62.1012% | 2,702 |
| Assets per employee ($millions) | 7.1476% | 1,817 |
| Cash dividends to net income (ytd only)* | 35.3045% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 1,359 |
| Loan loss allowance to noncurrent loans | 207.5377% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 1,683 |
| Noncurrent loans to loans | 0.6984% | 1,071 |
| Net loans and leases to total assets | 43.6500% | 3,896 |
| Net loans and leases to deposits | 46.9950% | 4,019 |
| Net loans and leases to core deposits | 57.1382% | 3,764 |
| Total domestic deposits to total assets | 92.8800% | 269 |
| Equity capital to assets | 6.3074% | 4,063 |
| Core capital (leverage) ratio | 10.2415% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4163% | 527 |
| Memoranda: | ||
| Average total assets | $254,881,667 | 2,663 |
| Average earning assets | $241,394,667 | 2,630 |
| Average equity | $15,965,667 | 3,193 |
| Average total loans | $112,215,000 | 3,034 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 4,049 |
| Cost of funding earning assets | 0.6833% | 3,107 |
| Net interest margin | 3.0015% | 3,594 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.8796% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9982% | 2,533 |
| Return on assets (ROA) | 0.9982% | 2,503 |
| Pretax return on assets | 1.2899% | 2,206 |
| Return on Equity (ROE) | 15.9900% | 1,360 |
| Retained earnings to average equity (ytd only) | 5.8863% | 2,791 |
| Net charge-offs to loans | 0.0072% | 1,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 271 |
| Efficiency ratio | 59.3035% | 3,045 |
| Assets per employee ($millions) | 7.1194% | 1,879 |
| Cash dividends to net income (ytd only)* | 63.1912% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,343 |
| Loan loss allowance to noncurrent loans | 1,440.8696% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 3,336 |
| Noncurrent loans to loans | 0.1027% | 3,023 |
| Net loans and leases to total assets | 43.0600% | 3,903 |
| Net loans and leases to deposits | 46.4818% | 4,020 |
| Net loans and leases to core deposits | 55.0592% | 3,790 |
| Total domestic deposits to total assets | 92.6400% | 365 |
| Equity capital to assets | 6.5615% | 4,015 |
| Core capital (leverage) ratio | 10.1718% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3590% | 549 |
| Memoranda: | ||
| Average total assets | $253,665,000 | 2,708 |
| Average earning assets | $240,014,500 | 2,672 |
| Average equity | $15,833,500 | 3,228 |
| Average total loans | $111,336,500 | 3,086 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0641% | 4,054 |
| Cost of funding earning assets | 0.4250% | 1,905 |
| Net interest margin | 2.6391% | 4,126 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.7723% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8322% | 3,218 |
| Return on assets (ROA) | 0.8322% | 3,140 |
| Pretax return on assets | 1.0480% | 2,924 |
| Return on Equity (ROE) | 12.5500% | 1,952 |
| Retained earnings to average equity (ytd only) | 11.9661% | 671 |
| Net charge-offs to loans | 0.0328% | 1,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 77.4286% | 1,103 |
| Efficiency ratio | 62.8411% | 2,650 |
| Assets per employee ($millions) | 6.9731% | 1,994 |
| Cash dividends to net income (ytd only)* | 4.6468% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 1,204 |
| Loan loss allowance to noncurrent loans | 562.3729% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 2,703 |
| Noncurrent loans to loans | 0.2666% | 2,199 |
| Net loans and leases to total assets | 43.4200% | 3,916 |
| Net loans and leases to deposits | 46.5579% | 4,029 |
| Net loans and leases to core deposits | 53.2834% | 3,850 |
| Total domestic deposits to total assets | 93.2500% | 355 |
| Equity capital to assets | 5.9156% | 4,123 |
| Core capital (leverage) ratio | 10.1254% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0651% | 543 |
| Memoranda: | ||
| Average total assets | $258,595,000 | 2,680 |
| Average earning assets | $245,389,200 | 2,638 |
| Average equity | $17,148,400 | 3,194 |
| Average total loans | $106,673,200 | 3,065 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9255% | 4,023 |
| Cost of funding earning assets | 0.4185% | 1,167 |
| Net interest margin | 2.5070% | 4,202 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.7367% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7488% | 3,419 |
| Return on assets (ROA) | 0.7488% | 3,368 |
| Pretax return on assets | 0.9572% | 3,149 |
| Return on Equity (ROE) | 11.0100% | 2,375 |
| Retained earnings to average equity (ytd only) | 10.2538% | 1,274 |
| Net charge-offs to loans | 0.0454% | 1,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 51.9444% | 1,263 |
| Efficiency ratio | 64.4689% | 2,485 |
| Assets per employee ($millions) | 7.3051% | 1,745 |
| Cash dividends to net income (ytd only)* | 6.8353% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,177 |
| Loan loss allowance to noncurrent loans | 290.3678% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 2,114 |
| Noncurrent loans to loans | 0.5322% | 1,472 |
| Net loans and leases to total assets | 41.3100% | 4,012 |
| Net loans and leases to deposits | 43.9907% | 4,112 |
| Net loans and leases to core deposits | 49.8320% | 3,958 |
| Total domestic deposits to total assets | 93.9100% | 376 |
| Equity capital to assets | 5.3321% | 4,181 |
| Core capital (leverage) ratio | 9.5824% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $260,486,250 | 2,683 |
| Average earning assets | $247,515,250 | 2,645 |
| Average equity | $17,723,000 | 3,181 |
| Average total loans | $105,680,000 | 3,086 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8057% | 3,964 |
| Cost of funding earning assets | 0.4199% | 803 |
| Net interest margin | 2.3858% | 4,248 |
| Noninterest income to average assets | 0.2900% | 3,433 |
| Noninterest expense to average assets | 1.6987% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6822% | 3,370 |
| Return on assets (ROA) | 0.6822% | 3,324 |
| Pretax return on assets | 0.8631% | 3,164 |
| Return on Equity (ROE) | 9.3680% | 2,575 |
| Retained earnings to average equity (ytd only) | 8.3201% | 1,503 |
| Net charge-offs to loans | 0.0495% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,219 |
| Efficiency ratio | 66.3092% | 2,470 |
| Assets per employee ($millions) | 7.5827% | 1,564 |
| Cash dividends to net income (ytd only)* | 11.1857% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 1,216 |
| Loan loss allowance to noncurrent loans | 506.9909% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 2,578 |
| Noncurrent loans to loans | 0.3099% | 2,225 |
| Net loans and leases to total assets | 39.3681% | 4,108 |
| Net loans and leases to deposits | 42.1233% | 4,188 |
| Net loans and leases to core deposits | 47.8093% | 4,034 |
| Total domestic deposits to total assets | 93.4592% | 406 |
| Equity capital to assets | 5.8547% | 4,254 |
| Core capital (leverage) ratio | 9.2426% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4835% | 585 |
| Memoranda: | ||
| Average total assets | $262,088,333 | 2,694 |
| Average earning assets | $249,564,667 | 2,675 |
| Average equity | $19,086,333 | 3,145 |
| Average total loans | $105,145,333 | 3,123 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7107% | 3,931 |
| Cost of funding earning assets | 0.4167% | 791 |
| Net interest margin | 2.2941% | 4,248 |
| Noninterest income to average assets | 0.2626% | 3,553 |
| Noninterest expense to average assets | 1.7033% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5975% | 3,401 |
| Return on assets (ROA) | 0.5975% | 3,384 |
| Pretax return on assets | 0.7495% | 3,252 |
| Return on Equity (ROE) | 7.4591% | 2,885 |
| Retained earnings to average equity (ytd only) | 7.4591% | 1,746 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4427% | 2,308 |
| Assets per employee ($millions) | 7.2923% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 1,217 |
| Loan loss allowance to noncurrent loans | 672.6190% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 2,737 |
| Noncurrent loans to loans | 0.2407% | 2,635 |
| Net loans and leases to total assets | 39.2394% | 4,059 |
| Net loans and leases to deposits | 42.5295% | 4,140 |
| Net loans and leases to core deposits | 48.6507% | 3,952 |
| Total domestic deposits to total assets | 92.2639% | 481 |
| Equity capital to assets | 7.0935% | 4,165 |
| Core capital (leverage) ratio | 9.2119% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0815% | 638 |
| Memoranda: | ||
| Average total assets | $260,435,000 | 2,715 |
| Average earning assets | $248,640,000 | 2,689 |
| Average equity | $20,860,500 | 3,070 |
| Average total loans | $104,643,500 | 3,131 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7892% | 4,216 |
| Cost of funding earning assets | 0.4975% | 944 |
| Net interest margin | 2.2916% | 4,421 |
| Noninterest income to average assets | 0.2763% | 3,737 |
| Noninterest expense to average assets | 1.6804% | 4,323 |
| Loan and lease loss provision to assets | 0.0120% | 2,842 |
| Net operating income to assets | 0.6285% | 3,813 |
| Return on assets (ROA) | 0.6285% | 3,857 |
| Pretax return on assets | 0.7788% | 3,768 |
| Return on Equity (ROE) | 6.5914% | 3,626 |
| Retained earnings to average equity (ytd only) | -3.8645% | 4,680 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0006% | 1,978 |
| Assets per employee ($millions) | 7.1763% | 1,805 |
| Cash dividends to net income (ytd only)* | 158.6294% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 1,215 |
| Loan loss allowance to noncurrent loans | 241.3105% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 2,189 |
| Noncurrent loans to loans | 0.6713% | 1,490 |
| Net loans and leases to total assets | 39.8246% | 4,101 |
| Net loans and leases to deposits | 44.0990% | 4,172 |
| Net loans and leases to core deposits | 50.5170% | 3,990 |
| Total domestic deposits to total assets | 90.3073% | 807 |
| Equity capital to assets | 8.9410% | 3,690 |
| Core capital (leverage) ratio | 9.2153% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,774,000 | 2,721 |
| Average earning assets | $240,180,600 | 2,679 |
| Average equity | $23,909,800 | 2,918 |
| Average total loans | $105,190,200 | 3,137 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8249% | 4,270 |
| Cost of funding earning assets | 0.5170% | 966 |
| Net interest margin | 2.3079% | 4,486 |
| Noninterest income to average assets | 0.2748% | 3,776 |
| Noninterest expense to average assets | 1.6559% | 4,395 |
| Loan and lease loss provision to assets | 0.0161% | 2,683 |
| Net operating income to assets | 0.5920% | 4,016 |
| Return on assets (ROA) | 0.5920% | 4,064 |
| Pretax return on assets | 0.8127% | 3,865 |
| Return on Equity (ROE) | 6.1101% | 3,883 |
| Retained earnings to average equity (ytd only) | -7.7136% | 4,825 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6451% | 2,015 |
| Assets per employee ($millions) | 7.0524% | 1,829 |
| Cash dividends to net income (ytd only)* | 226.2443% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 1,228 |
| Loan loss allowance to noncurrent loans | 324.5211% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,755 |
| Noncurrent loans to loans | 0.5080% | 2,037 |
| Net loans and leases to total assets | 39.8093% | 4,216 |
| Net loans and leases to deposits | 44.2126% | 4,301 |
| Net loans and leases to core deposits | 51.6274% | 4,054 |
| Total domestic deposits to total assets | 90.0405% | 759 |
| Equity capital to assets | 9.1997% | 3,656 |
| Core capital (leverage) ratio | 9.1689% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,880,500 | 2,753 |
| Average earning assets | $238,305,750 | 2,710 |
| Average equity | $24,112,500 | 2,934 |
| Average total loans | $105,342,750 | 3,176 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8765% | 4,255 |
| Cost of funding earning assets | 0.5391% | 992 |
| Net interest margin | 2.3373% | 4,481 |
| Noninterest income to average assets | 0.2751% | 3,758 |
| Noninterest expense to average assets | 1.6407% | 4,460 |
| Loan and lease loss provision to assets | 0.0243% | 2,482 |
| Net operating income to assets | 0.6132% | 3,954 |
| Return on assets (ROA) | 0.6132% | 4,010 |
| Pretax return on assets | 0.8479% | 3,773 |
| Return on Equity (ROE) | 6.2222% | 3,852 |
| Retained earnings to average equity (ytd only) | -14.2996% | 4,900 |
| Net charge-offs to loans | 0.0038% | 2,023 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 539.0000% | 247 |
| Efficiency ratio | 65.2930% | 2,255 |
| Assets per employee ($millions) | 6.7747% | 1,967 |
| Cash dividends to net income (ytd only)* | 329.8153% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,267 |
| Loan loss allowance to noncurrent loans | 355.4622% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,008 |
| Noncurrent loans to loans | 0.4507% | 2,324 |
| Net loans and leases to total assets | 41.4620% | 4,214 |
| Net loans and leases to deposits | 46.0434% | 4,307 |
| Net loans and leases to core deposits | 54.2200% | 4,011 |
| Total domestic deposits to total assets | 90.0500% | 749 |
| Equity capital to assets | 9.1649% | 3,641 |
| Core capital (leverage) ratio | 9.0912% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,211,333 | 2,754 |
| Average earning assets | $236,680,333 | 2,710 |
| Average equity | $24,364,333 | 2,916 |
| Average total loans | $106,202,000 | 3,177 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8926% | 4,268 |
| Cost of funding earning assets | 0.5673% | 1,018 |
| Net interest margin | 2.3253% | 4,497 |
| Noninterest income to average assets | 0.2689% | 3,788 |
| Noninterest expense to average assets | 1.6588% | 4,452 |
| Loan and lease loss provision to assets | 0.0489% | 2,108 |
| Net operating income to assets | 0.5703% | 4,019 |
| Return on assets (ROA) | 0.5703% | 4,070 |
| Pretax return on assets | 0.7854% | 3,837 |
| Return on Equity (ROE) | 5.5866% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.5866% | 3,036 |
| Net charge-offs to loans | 0.0038% | 1,791 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 512.0000% | 187 |
| Efficiency ratio | 66.5359% | 2,154 |
| Assets per employee ($millions) | 6.7722% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,294 |
| Loan loss allowance to noncurrent loans | 813.9423% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,785 |
| Noncurrent loans to loans | 0.1968% | 3,405 |
| Net loans and leases to total assets | 41.5114% | 4,267 |
| Net loans and leases to deposits | 46.3976% | 4,328 |
| Net loans and leases to core deposits | 55.2763% | 4,024 |
| Total domestic deposits to total assets | 89.4688% | 1,084 |
| Equity capital to assets | 9.8188% | 2,878 |
| Core capital (leverage) ratio | 10.1334% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,485,500 | 2,755 |
| Average earning assets | $234,803,500 | 2,705 |
| Average equity | $25,060,000 | 2,871 |
| Average total loans | $106,492,000 | 3,180 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2949% | 4,341 |
| Cost of funding earning assets | 0.8419% | 1,046 |
| Net interest margin | 2.4531% | 4,626 |
| Noninterest income to average assets | 0.2867% | 3,770 |
| Noninterest expense to average assets | 1.8800% | 4,354 |
| Loan and lease loss provision to assets | 0.0885% | 3,255 |
| Net operating income to assets | 0.5299% | 3,965 |
| Return on assets (ROA) | 0.5367% | 4,045 |
| Pretax return on assets | 0.6615% | 3,962 |
| Return on Equity (ROE) | 4.9087% | 3,928 |
| Retained earnings to average equity (ytd only) | 3.2900% | 3,184 |
| Net charge-offs to loans | -0.0028% | 4,030 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7131% | 1,715 |
| Assets per employee ($millions) | 6.4973% | 1,924 |
| Cash dividends to net income (ytd only)* | 32.9761% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,423 |
| Loan loss allowance to noncurrent loans | 207.7403% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 2,656 |
| Noncurrent loans to loans | 0.7467% | 1,835 |
| Net loans and leases to total assets | 43.9316% | 4,251 |
| Net loans and leases to deposits | 49.5729% | 4,333 |
| Net loans and leases to core deposits | 59.8212% | 3,956 |
| Total domestic deposits to total assets | 88.6203% | 1,159 |
| Equity capital to assets | 10.6143% | 2,579 |
| Core capital (leverage) ratio | 10.3406% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,013,800 | 2,756 |
| Average earning assets | $215,117,600 | 2,711 |
| Average equity | $24,711,400 | 2,827 |
| Average total loans | $107,975,600 | 3,119 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3820% | 4,373 |
| Cost of funding earning assets | 0.9011% | 1,067 |
| Net interest margin | 2.4808% | 4,668 |
| Noninterest income to average assets | 0.2817% | 3,799 |
| Noninterest expense to average assets | 1.9051% | 4,317 |
| Loan and lease loss provision to assets | 0.0899% | 3,188 |
| Net operating income to assets | 0.4610% | 4,143 |
| Return on assets (ROA) | 0.4700% | 4,192 |
| Pretax return on assets | 0.6564% | 3,989 |
| Return on Equity (ROE) | 4.2648% | 4,108 |
| Retained earnings to average equity (ytd only) | 4.2648% | 2,917 |
| Net charge-offs to loans | -0.0037% | 3,983 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1617% | 1,625 |
| Assets per employee ($millions) | 6.3232% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,375 |
| Loan loss allowance to noncurrent loans | 249.8452% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 3,062 |
| Noncurrent loans to loans | 0.6018% | 2,297 |
| Net loans and leases to total assets | 45.1881% | 4,359 |
| Net loans and leases to deposits | 51.0966% | 4,448 |
| Net loans and leases to core deposits | 62.1339% | 4,098 |
| Total domestic deposits to total assets | 88.4365% | 998 |
| Equity capital to assets | 10.7715% | 2,573 |
| Core capital (leverage) ratio | 10.6481% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,417,000 | 2,761 |
| Average earning assets | $211,429,000 | 2,716 |
| Average equity | $24,510,000 | 2,831 |
| Average total loans | $108,150,500 | 3,125 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5108% | 4,392 |
| Cost of funding earning assets | 0.9591% | 1,111 |
| Net interest margin | 2.5516% | 4,696 |
| Noninterest income to average assets | 0.2892% | 3,731 |
| Noninterest expense to average assets | 1.9335% | 4,359 |
| Loan and lease loss provision to assets | 0.0686% | 3,430 |
| Net operating income to assets | 0.5077% | 3,999 |
| Return on assets (ROA) | 0.5143% | 4,055 |
| Pretax return on assets | 0.7174% | 3,831 |
| Return on Equity (ROE) | 4.6294% | 3,940 |
| Retained earnings to average equity (ytd only) | 4.6294% | 2,649 |
| Net charge-offs to loans | 0.0018% | 2,957 |
| Credit loss provision to net charge-offs | 7,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 850.0000% | 112 |
| Efficiency ratio | 71.3129% | 1,783 |
| Assets per employee ($millions) | 6.2822% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,544 |
| Loan loss allowance to noncurrent loans | 307.6152% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 3,447 |
| Noncurrent loans to loans | 0.4593% | 2,767 |
| Net loans and leases to total assets | 47.3607% | 4,290 |
| Net loans and leases to deposits | 53.7202% | 4,389 |
| Net loans and leases to core deposits | 63.8213% | 4,087 |
| Total domestic deposits to total assets | 88.1618% | 1,104 |
| Equity capital to assets | 11.0370% | 2,310 |
| Core capital (leverage) ratio | 10.9333% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,569,333 | 2,766 |
| Average earning assets | $207,477,000 | 2,729 |
| Average equity | $24,279,667 | 2,832 |
| Average total loans | $108,422,000 | 3,122 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 4,515 |
| Cost of funding earning assets | 1.0159% | 1,354 |
| Net interest margin | 2.5898% | 4,761 |
| Noninterest income to average assets | 0.2980% | 3,733 |
| Noninterest expense to average assets | 1.9835% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5624% | 3,702 |
| Return on assets (ROA) | 0.5624% | 3,769 |
| Pretax return on assets | 0.7692% | 3,491 |
| Return on Equity (ROE) | 5.0462% | 3,615 |
| Retained earnings to average equity (ytd only) | 5.0462% | 2,258 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0568% | 2,067 |
| Assets per employee ($millions) | 5.8892% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 1,941 |
| Loan loss allowance to noncurrent loans | 186.8286% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 3,004 |
| Noncurrent loans to loans | 0.7187% | 2,200 |
| Net loans and leases to total assets | 49.2669% | 4,274 |
| Net loans and leases to deposits | 55.9131% | 4,371 |
| Net loans and leases to core deposits | 66.9983% | 4,031 |
| Total domestic deposits to total assets | 88.1133% | 1,062 |
| Equity capital to assets | 11.0785% | 2,797 |
| Core capital (leverage) ratio | 11.1815% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,775,000 | 2,750 |
| Average earning assets | $203,564,500 | 2,718 |
| Average equity | $23,939,000 | 2,856 |
| Average total loans | $108,310,500 | 3,102 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 4,547 |
| Cost of funding earning assets | 0.9976% | 1,731 |
| Net interest margin | 2.8172% | 4,747 |
| Noninterest income to average assets | 0.3040% | 3,870 |
| Noninterest expense to average assets | 2.0436% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7242% | 3,787 |
| Return on assets (ROA) | 0.7242% | 3,856 |
| Pretax return on assets | 0.9163% | 3,690 |
| Return on Equity (ROE) | 6.6579% | 3,680 |
| Retained earnings to average equity (ytd only) | 4.0418% | 2,941 |
| Net charge-offs to loans | 0.1033% | 1,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 17.5636% | 2,098 |
| Efficiency ratio | 69.0434% | 2,312 |
| Assets per employee ($millions) | 5.5698% | 2,009 |
| Cash dividends to net income (ytd only)* | 39.2927% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 1,690 |
| Loan loss allowance to noncurrent loans | 194.2819% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 2,843 |
| Noncurrent loans to loans | 0.6975% | 2,138 |
| Net loans and leases to total assets | 50.2464% | 4,318 |
| Net loans and leases to deposits | 57.1383% | 4,412 |
| Net loans and leases to core deposits | 69.6576% | 3,977 |
| Total domestic deposits to total assets | 87.9382% | 1,151 |
| Equity capital to assets | 11.2156% | 2,803 |
| Core capital (leverage) ratio | 11.1397% | 2,385 |
| Tier 1 risk-based capital ratio | 23.6810% | 854 |
| Total risk-based capital ratio | 24.9333% | 840 |
| Memoranda: | ||
| Average total assets | $210,852,800 | 2,746 |
| Average earning assets | $198,781,800 | 2,721 |
| Average equity | $22,935,200 | 2,872 |
| Average total loans | $106,498,000 | 3,135 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 4,634 |
| Cost of funding earning assets | 0.9761% | 1,868 |
| Net interest margin | 2.8555% | 4,803 |
| Noninterest income to average assets | 0.3215% | 3,822 |
| Noninterest expense to average assets | 2.0583% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6861% | 4,056 |
| Return on assets (ROA) | 0.6861% | 4,118 |
| Pretax return on assets | 0.9500% | 3,740 |
| Return on Equity (ROE) | 6.3573% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.3573% | 2,191 |
| Net charge-offs to loans | 0.1381% | 1,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 13.6457% | 2,279 |
| Efficiency ratio | 68.4199% | 2,356 |
| Assets per employee ($millions) | 5.7857% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 1,765 |
| Loan loss allowance to noncurrent loans | 112.9930% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 2,175 |
| Noncurrent loans to loans | 1.1961% | 1,309 |
| Net loans and leases to total assets | 49.8150% | 4,436 |
| Net loans and leases to deposits | 56.6208% | 4,532 |
| Net loans and leases to core deposits | 68.6850% | 4,124 |
| Total domestic deposits to total assets | 87.9801% | 1,041 |
| Equity capital to assets | 11.1351% | 2,982 |
| Core capital (leverage) ratio | 11.1337% | 2,527 |
| Tier 1 risk-based capital ratio | 23.4869% | 900 |
| Total risk-based capital ratio | 24.7385% | 880 |
| Memoranda: | ||
| Average total assets | $210,653,250 | 2,769 |
| Average earning assets | $198,207,750 | 2,747 |
| Average equity | $22,734,500 | 2,913 |
| Average total loans | $106,170,500 | 3,179 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 4,583 |
| Cost of funding earning assets | 0.9497% | 1,914 |
| Net interest margin | 2.9334% | 4,778 |
| Noninterest income to average assets | 0.3265% | 3,757 |
| Noninterest expense to average assets | 2.0600% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7360% | 3,881 |
| Return on assets (ROA) | 0.7360% | 3,937 |
| Pretax return on assets | 1.0176% | 3,481 |
| Return on Equity (ROE) | 6.8941% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.8941% | 1,857 |
| Net charge-offs to loans | 0.1270% | 1,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 15.9104% | 1,960 |
| Efficiency ratio | 66.9355% | 2,694 |
| Assets per employee ($millions) | 5.7491% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 1,593 |
| Loan loss allowance to noncurrent loans | 1,489.1089% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 4,400 |
| Noncurrent loans to loans | 0.0943% | 4,259 |
| Net loans and leases to total assets | 49.6281% | 4,487 |
| Net loans and leases to deposits | 56.3192% | 4,579 |
| Net loans and leases to core deposits | 69.6097% | 4,129 |
| Total domestic deposits to total assets | 88.1195% | 1,046 |
| Equity capital to assets | 10.9840% | 3,078 |
| Core capital (leverage) ratio | 11.1429% | 2,464 |
| Tier 1 risk-based capital ratio | 24.3518% | 814 |
| Total risk-based capital ratio | 25.6047% | 800 |
| Memoranda: | ||
| Average total assets | $209,514,330 | 2,789 |
| Average earning assets | $196,492,670 | 2,769 |
| Average equity | $22,367,000 | 2,938 |
| Average total loans | $105,527,330 | 3,204 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 4,538 |
| Cost of funding earning assets | 0.9024% | 1,985 |
| Net interest margin | 3.0066% | 4,741 |
| Noninterest income to average assets | 0.3097% | 3,799 |
| Noninterest expense to average assets | 2.1067% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7407% | 3,799 |
| Return on assets (ROA) | 0.7407% | 3,851 |
| Pretax return on assets | 1.0235% | 3,370 |
| Return on Equity (ROE) | 7.0423% | 3,665 |
| Retained earnings to average equity (ytd only) | 7.0423% | 2,021 |
| Net charge-offs to loans | 0.4048% | 383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.0189% | 2,287 |
| Efficiency ratio | 67.3018% | 2,738 |
| Assets per employee ($millions) | 5.8360% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 1,680 |
| Loan loss allowance to noncurrent loans | 751.2821% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 3,857 |
| Noncurrent loans to loans | 0.1862% | 3,921 |
| Net loans and leases to total assets | 49.1459% | 4,520 |
| Net loans and leases to deposits | 55.5162% | 4,625 |
| Net loans and leases to core deposits | 68.1797% | 4,168 |
| Total domestic deposits to total assets | 88.5253% | 1,078 |
| Equity capital to assets | 10.6080% | 3,250 |
| Core capital (leverage) ratio | 11.1446% | 2,434 |
| Tier 1 risk-based capital ratio | 24.4505% | 802 |
| Total risk-based capital ratio | 25.7041% | 785 |
| Memoranda: | ||
| Average total assets | $207,912,500 | 2,830 |
| Average earning assets | $195,040,000 | 2,806 |
| Average equity | $21,868,000 | 2,988 |
| Average total loans | $104,755,000 | 3,242 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7725% | 4,551 |
| Cost of funding earning assets | 0.6673% | 2,287 |
| Net interest margin | 3.1052% | 4,646 |
| Noninterest income to average assets | 0.3432% | 3,818 |
| Noninterest expense to average assets | 2.1073% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9089% | 3,409 |
| Return on assets (ROA) | 0.9089% | 3,398 |
| Pretax return on assets | 1.1529% | 3,086 |
| Return on Equity (ROE) | 8.8457% | 3,069 |
| Retained earnings to average equity (ytd only) | 5.0391% | 2,743 |
| Net charge-offs to loans | 0.1742% | 1,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 13.0276% | 2,487 |
| Efficiency ratio | 64.6371% | 3,094 |
| Assets per employee ($millions) | 5.7147% | 1,761 |
| Cash dividends to net income (ytd only)* | 43.0339% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,296 |
| Loan loss allowance to noncurrent loans | 152.0813% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 2,454 |
| Noncurrent loans to loans | 0.9858% | 1,650 |
| Net loans and leases to total assets | 50.1730% | 4,504 |
| Net loans and leases to deposits | 56.5629% | 4,641 |
| Net loans and leases to core deposits | 68.8083% | 4,185 |
| Total domestic deposits to total assets | 88.7030% | 979 |
| Equity capital to assets | 10.4259% | 3,259 |
| Core capital (leverage) ratio | 11.1464% | 2,400 |
| Tier 1 risk-based capital ratio | 24.3872% | 789 |
| Total risk-based capital ratio | 25.6417% | 768 |
| Memoranda: | ||
| Average total assets | $204,529,200 | 2,814 |
| Average earning assets | $192,126,600 | 2,800 |
| Average equity | $21,015,800 | 2,989 |
| Average total loans | $103,900,400 | 3,231 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,574 |
| Cost of funding earning assets | 0.6224% | 2,317 |
| Net interest margin | 3.1159% | 4,677 |
| Noninterest income to average assets | 0.3245% | 3,974 |
| Noninterest expense to average assets | 2.0878% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8487% | 3,747 |
| Return on assets (ROA) | 0.8487% | 3,752 |
| Pretax return on assets | 1.1686% | 3,127 |
| Return on Equity (ROE) | 8.2903% | 3,421 |
| Retained earnings to average equity (ytd only) | 5.7394% | 2,797 |
| Net charge-offs to loans | 0.2263% | 753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 10.1705% | 2,601 |
| Efficiency ratio | 64.1139% | 3,163 |
| Assets per employee ($millions) | 5.6417% | 1,784 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,333 |
| Loan loss allowance to noncurrent loans | 486.4198% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 3,576 |
| Noncurrent loans to loans | 0.3090% | 3,564 |
| Net loans and leases to total assets | 50.8584% | 4,535 |
| Net loans and leases to deposits | 57.3343% | 4,679 |
| Net loans and leases to core deposits | 68.2881% | 4,284 |
| Total domestic deposits to total assets | 88.7051% | 955 |
| Equity capital to assets | 10.3037% | 3,330 |
| Core capital (leverage) ratio | 11.0714% | 2,512 |
| Tier 1 risk-based capital ratio | 24.2622% | 814 |
| Total risk-based capital ratio | 25.5169% | 795 |
| Memoranda: | ||
| Average total assets | $204,229,500 | 2,842 |
| Average earning assets | $192,169,500 | 2,820 |
| Average equity | $20,907,500 | 3,027 |
| Average total loans | $103,677,750 | 3,264 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 4,537 |
| Cost of funding earning assets | 0.5973% | 2,244 |
| Net interest margin | 3.1225% | 4,682 |
| Noninterest income to average assets | 0.3177% | 4,052 |
| Noninterest expense to average assets | 2.0557% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8729% | 3,572 |
| Return on assets (ROA) | 0.8729% | 3,576 |
| Pretax return on assets | 1.2004% | 2,945 |
| Return on Equity (ROE) | 8.5450% | 3,238 |
| Retained earnings to average equity (ytd only) | 6.6313% | 2,243 |
| Net charge-offs to loans | 0.2711% | 589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.7714% | 2,445 |
| Efficiency ratio | 63.1342% | 3,448 |
| Assets per employee ($millions) | 5.8751% | 1,570 |
| Cash dividends to net income (ytd only)* | 22.3964% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 1,259 |
| Loan loss allowance to noncurrent loans | 871.3514% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 3,895 |
| Noncurrent loans to loans | 0.1771% | 4,111 |
| Net loans and leases to total assets | 50.0078% | 4,607 |
| Net loans and leases to deposits | 56.2432% | 4,739 |
| Net loans and leases to core deposits | 66.1605% | 4,362 |
| Total domestic deposits to total assets | 88.9135% | 967 |
| Equity capital to assets | 10.2141% | 3,431 |
| Core capital (leverage) ratio | 10.8998% | 2,613 |
| Tier 1 risk-based capital ratio | 23.7399% | 861 |
| Total risk-based capital ratio | 24.9947% | 831 |
| Memoranda: | ||
| Average total assets | $204,605,670 | 2,857 |
| Average earning assets | $192,538,330 | 2,827 |
| Average equity | $20,901,000 | 3,033 |
| Average total loans | $103,280,330 | 3,277 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 4,484 |
| Cost of funding earning assets | 0.5792% | 2,180 |
| Net interest margin | 3.1128% | 4,678 |
| Noninterest income to average assets | 0.2999% | 4,157 |
| Noninterest expense to average assets | 2.0520% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8565% | 3,471 |
| Return on assets (ROA) | 0.8565% | 3,484 |
| Pretax return on assets | 1.1759% | 2,863 |
| Return on Equity (ROE) | 8.3837% | 3,200 |
| Retained earnings to average equity (ytd only) | 4.5468% | 3,387 |
| Net charge-offs to loans | 0.2103% | 708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 11.1111% | 1,864 |
| Efficiency ratio | 63.5701% | 3,548 |
| Assets per employee ($millions) | 5.5609% | 1,877 |
| Cash dividends to net income (ytd only)* | 45.7666% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 1,066 |
| Loan loss allowance to noncurrent loans | 959.3220% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 4,168 |
| Noncurrent loans to loans | 0.1714% | 4,210 |
| Net loans and leases to total assets | 49.3747% | 4,604 |
| Net loans and leases to deposits | 55.3886% | 4,727 |
| Net loans and leases to core deposits | 64.4732% | 4,398 |
| Total domestic deposits to total assets | 89.1424% | 1,030 |
| Equity capital to assets | 10.0338% | 3,560 |
| Core capital (leverage) ratio | 10.7617% | 2,672 |
| Tier 1 risk-based capital ratio | 23.6729% | 871 |
| Total risk-based capital ratio | 24.9297% | 847 |
| Memoranda: | ||
| Average total assets | $204,094,500 | 2,898 |
| Average earning assets | $191,978,500 | 2,860 |
| Average equity | $20,850,000 | 3,064 |
| Average total loans | $102,699,500 | 3,310 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 4,447 |
| Cost of funding earning assets | 0.5394% | 2,038 |
| Net interest margin | 3.1125% | 4,663 |
| Noninterest income to average assets | 0.2938% | 4,353 |
| Noninterest expense to average assets | 2.0896% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6164% | 3,942 |
| Return on assets (ROA) | 0.6176% | 3,980 |
| Pretax return on assets | 1.1482% | 2,991 |
| Return on Equity (ROE) | 5.9951% | 3,767 |
| Retained earnings to average equity (ytd only) | 2.1735% | 4,018 |
| Net charge-offs to loans | 0.0963% | 2,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 24.2604% | 1,765 |
| Efficiency ratio | 64.5779% | 3,516 |
| Assets per employee ($millions) | 5.6232% | 1,822 |
| Cash dividends to net income (ytd only)* | 63.7450% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7158% | 917 |
| Loan loss allowance to noncurrent loans | 254.6512% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 2,926 |
| Noncurrent loans to loans | 0.6738% | 2,528 |
| Net loans and leases to total assets | 49.5757% | 4,676 |
| Net loans and leases to deposits | 55.9157% | 4,804 |
| Net loans and leases to core deposits | 64.4668% | 4,505 |
| Total domestic deposits to total assets | 88.6615% | 1,168 |
| Equity capital to assets | 10.4009% | 3,269 |
| Core capital (leverage) ratio | 10.6466% | 2,699 |
| Tier 1 risk-based capital ratio | 23.7417% | 840 |
| Total risk-based capital ratio | 24.9995% | 824 |
| Memoranda: | ||
| Average total assets | $203,192,600 | 2,897 |
| Average earning assets | $192,063,600 | 2,845 |
| Average equity | $20,933,600 | 3,038 |
| Average total loans | $99,650,400 | 3,355 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6410% | 4,463 |
| Cost of funding earning assets | 0.5324% | 2,017 |
| Net interest margin | 3.1086% | 4,688 |
| Noninterest income to average assets | 0.2839% | 4,495 |
| Noninterest expense to average assets | 2.0768% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7339% | 3,801 |
| Return on assets (ROA) | 0.7355% | 3,868 |
| Pretax return on assets | 1.1531% | 3,103 |
| Return on Equity (ROE) | 7.1566% | 3,563 |
| Retained earnings to average equity (ytd only) | 3.3295% | 3,946 |
| Net charge-offs to loans | 0.0673% | 2,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 35.0973% | 1,419 |
| Efficiency ratio | 64.3510% | 3,480 |
| Assets per employee ($millions) | 5.6989% | 1,719 |
| Cash dividends to net income (ytd only)* | 53.4760% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7659% | 908 |
| Loan loss allowance to noncurrent loans | 217.4123% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 3,157 |
| Noncurrent loans to loans | 0.8122% | 2,336 |
| Net loans and leases to total assets | 48.7534% | 4,778 |
| Net loans and leases to deposits | 55.0536% | 4,918 |
| Net loans and leases to core deposits | 63.1759% | 4,643 |
| Total domestic deposits to total assets | 88.5562% | 1,097 |
| Equity capital to assets | 10.4183% | 3,455 |
| Core capital (leverage) ratio | 10.5559% | 2,925 |
| Tier 1 risk-based capital ratio | 23.8612% | 862 |
| Total risk-based capital ratio | 25.1199% | 844 |
| Memoranda: | ||
| Average total assets | $203,382,250 | 2,914 |
| Average earning assets | $192,581,750 | 2,867 |
| Average equity | $20,903,250 | 3,072 |
| Average total loans | $99,035,500 | 3,395 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5887% | 4,542 |
| Cost of funding earning assets | 0.5244% | 1,966 |
| Net interest margin | 3.0643% | 4,761 |
| Noninterest income to average assets | 0.2722% | 4,596 |
| Noninterest expense to average assets | 2.0958% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6928% | 3,876 |
| Return on assets (ROA) | 0.6953% | 3,933 |
| Pretax return on assets | 1.0908% | 3,216 |
| Return on Equity (ROE) | 6.7964% | 3,663 |
| Retained earnings to average equity (ytd only) | 2.9403% | 3,967 |
| Net charge-offs to loans | 0.1040% | 1,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 21.6078% | 1,744 |
| Efficiency ratio | 65.8506% | 3,376 |
| Assets per employee ($millions) | 5.7144% | 1,688 |
| Cash dividends to net income (ytd only)* | 56.7376% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 911 |
| Loan loss allowance to noncurrent loans | 124.4460% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 2,103 |
| Noncurrent loans to loans | 1.4369% | 1,325 |
| Net loans and leases to total assets | 47.9778% | 4,823 |
| Net loans and leases to deposits | 54.0639% | 4,961 |
| Net loans and leases to core deposits | 62.7780% | 4,678 |
| Total domestic deposits to total assets | 88.7428% | 1,085 |
| Equity capital to assets | 10.3345% | 3,532 |
| Core capital (leverage) ratio | 10.5145% | 2,893 |
| Tier 1 risk-based capital ratio | 23.8364% | 867 |
| Total risk-based capital ratio | 25.0955% | 849 |
| Memoranda: | ||
| Average total assets | $202,790,000 | 2,935 |
| Average earning assets | $192,607,000 | 2,875 |
| Average equity | $20,746,330 | 3,086 |
| Average total loans | $98,107,330 | 3,427 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6062% | 4,403 |
| Cost of funding earning assets | 0.5232% | 1,914 |
| Net interest margin | 3.0830% | 4,703 |
| Noninterest income to average assets | 0.2563% | 4,701 |
| Noninterest expense to average assets | 2.0385% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7319% | 3,548 |
| Return on assets (ROA) | 0.7331% | 3,597 |
| Pretax return on assets | 1.1464% | 2,785 |
| Return on Equity (ROE) | 7.2037% | 3,311 |
| Retained earnings to average equity (ytd only) | 3.2993% | 3,787 |
| Net charge-offs to loans | 0.2188% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.8679% | 1,916 |
| Efficiency ratio | 64.0449% | 3,827 |
| Assets per employee ($millions) | 5.6292% | 1,782 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 904 |
| Loan loss allowance to noncurrent loans | 113.0353% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 2,105 |
| Noncurrent loans to loans | 1.6233% | 1,201 |
| Net loans and leases to total assets | 47.3876% | 4,868 |
| Net loans and leases to deposits | 53.3734% | 4,973 |
| Net loans and leases to core deposits | 62.2414% | 4,640 |
| Total domestic deposits to total assets | 88.7851% | 1,261 |
| Equity capital to assets | 10.1865% | 3,524 |
| Core capital (leverage) ratio | 10.5958% | 2,794 |
| Tier 1 risk-based capital ratio | 23.8176% | 889 |
| Total risk-based capital ratio | 25.0759% | 867 |
| Memoranda: | ||
| Average total assets | $201,326,000 | 2,983 |
| Average earning assets | $191,114,000 | 2,918 |
| Average equity | $20,489,500 | 3,126 |
| Average total loans | $96,913,000 | 3,468 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 4,624 |
| Cost of funding earning assets | 0.5260% | 1,897 |
| Net interest margin | 3.0305% | 4,896 |
| Noninterest income to average assets | 0.2827% | 4,720 |
| Noninterest expense to average assets | 2.0684% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7570% | 3,503 |
| Return on assets (ROA) | 0.7605% | 3,596 |
| Pretax return on assets | 1.0959% | 3,120 |
| Return on Equity (ROE) | 7.3652% | 3,287 |
| Retained earnings to average equity (ytd only) | 3.4811% | 3,448 |
| Net charge-offs to loans | 0.1891% | 1,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.0221% | 2,492 |
| Efficiency ratio | 65.4713% | 3,677 |
| Assets per employee ($millions) | 5.4055% | 1,949 |
| Cash dividends to net income (ytd only)* | 52.7357% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9250% | 769 |
| Loan loss allowance to noncurrent loans | 189.1505% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 3,084 |
| Noncurrent loans to loans | 1.0177% | 2,055 |
| Net loans and leases to total assets | 47.0755% | 4,950 |
| Net loans and leases to deposits | 53.0631% | 5,056 |
| Net loans and leases to core deposits | 61.8924% | 4,760 |
| Total domestic deposits to total assets | 88.7161% | 1,258 |
| Equity capital to assets | 10.1679% | 3,525 |
| Core capital (leverage) ratio | 10.5363% | 2,843 |
| Tier 1 risk-based capital ratio | 24.7422% | 795 |
| Total risk-based capital ratio | 26.0025% | 779 |
| Memoranda: | ||
| Average total assets | $199,478,400 | 2,961 |
| Average earning assets | $189,340,200 | 2,899 |
| Average equity | $20,596,800 | 3,110 |
| Average total loans | $95,714,600 | 3,469 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5537% | 4,674 |
| Cost of funding earning assets | 0.5229% | 1,920 |
| Net interest margin | 3.0308% | 4,953 |
| Noninterest income to average assets | 0.2849% | 4,728 |
| Noninterest expense to average assets | 2.0627% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6993% | 3,848 |
| Return on assets (ROA) | 0.7036% | 3,959 |
| Pretax return on assets | 1.1056% | 3,213 |
| Return on Equity (ROE) | 6.7885% | 3,672 |
| Retained earnings to average equity (ytd only) | 2.9167% | 4,155 |
| Net charge-offs to loans | 0.2565% | 915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.9292% | 2,724 |
| Efficiency ratio | 65.2422% | 3,723 |
| Assets per employee ($millions) | 5.4522% | 1,899 |
| Cash dividends to net income (ytd only)* | 57.0343% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 822 |
| Loan loss allowance to noncurrent loans | 245.6724% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 3,303 |
| Noncurrent loans to loans | 0.7842% | 2,720 |
| Net loans and leases to total assets | 46.5590% | 5,058 |
| Net loans and leases to deposits | 52.6079% | 5,177 |
| Net loans and leases to core deposits | 61.1751% | 4,879 |
| Total domestic deposits to total assets | 88.5020% | 1,159 |
| Equity capital to assets | 10.4129% | 3,659 |
| Core capital (leverage) ratio | 10.4313% | 3,070 |
| Tier 1 risk-based capital ratio | 24.1486% | 893 |
| Total risk-based capital ratio | 25.4094% | 872 |
| Memoranda: | ||
| Average total assets | $199,347,500 | 2,969 |
| Average earning assets | $189,207,750 | 2,919 |
| Average equity | $20,662,000 | 3,128 |
| Average total loans | $95,643,250 | 3,477 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 4,590 |
| Cost of funding earning assets | 0.5213% | 1,931 |
| Net interest margin | 3.0782% | 4,894 |
| Noninterest income to average assets | 0.2951% | 4,668 |
| Noninterest expense to average assets | 2.0931% | 5,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7144% | 3,723 |
| Return on assets (ROA) | 0.7202% | 3,852 |
| Pretax return on assets | 1.1312% | 3,086 |
| Return on Equity (ROE) | 6.9595% | 3,572 |
| Retained earnings to average equity (ytd only) | 3.0661% | 3,961 |
| Net charge-offs to loans | 0.3745% | 618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.2235% | 2,771 |
| Efficiency ratio | 65.1003% | 3,829 |
| Assets per employee ($millions) | 5.3770% | 1,909 |
| Cash dividends to net income (ytd only)* | 55.9441% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 842 |
| Loan loss allowance to noncurrent loans | 173.7089% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 2,704 |
| Noncurrent loans to loans | 1.1139% | 2,063 |
| Net loans and leases to total assets | 47.1277% | 5,056 |
| Net loans and leases to deposits | 53.2794% | 5,177 |
| Net loans and leases to core deposits | 62.6943% | 4,840 |
| Total domestic deposits to total assets | 88.4538% | 1,193 |
| Equity capital to assets | 10.5746% | 3,556 |
| Core capital (leverage) ratio | 10.4052% | 3,075 |
| Tier 1 risk-based capital ratio | 24.3748% | 867 |
| Total risk-based capital ratio | 25.6358% | 851 |
| Memoranda: | ||
| Average total assets | $198,553,000 | 2,989 |
| Average earning assets | $188,358,670 | 2,949 |
| Average equity | $20,547,330 | 3,138 |
| Average total loans | $95,601,330 | 3,490 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 4,650 |
| Cost of funding earning assets | 0.5190% | 1,951 |
| Net interest margin | 3.0696% | 4,950 |
| Noninterest income to average assets | 0.2783% | 4,728 |
| Noninterest expense to average assets | 2.0690% | 5,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7126% | 3,650 |
| Return on assets (ROA) | 0.7139% | 3,762 |
| Pretax return on assets | 1.1212% | 3,008 |
| Return on Equity (ROE) | 6.9747% | 3,470 |
| Retained earnings to average equity (ytd only) | -0.9063% | 5,270 |
| Net charge-offs to loans | 0.1632% | 1,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 14.2308% | 1,708 |
| Efficiency ratio | 64.8956% | 3,994 |
| Assets per employee ($millions) | 5.5584% | 1,784 |
| Cash dividends to net income (ytd only)* | 112.9944% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0761% | 720 |
| Loan loss allowance to noncurrent loans | 238.6091% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 3,487 |
| Noncurrent loans to loans | 0.8701% | 2,671 |
| Net loans and leases to total assets | 46.9081% | 5,054 |
| Net loans and leases to deposits | 52.7501% | 5,181 |
| Net loans and leases to core deposits | 61.7445% | 4,827 |
| Total domestic deposits to total assets | 88.9251% | 1,144 |
| Equity capital to assets | 10.1853% | 3,860 |
| Core capital (leverage) ratio | 10.2851% | 3,217 |
| Tier 1 risk-based capital ratio | 23.9294% | 919 |
| Total risk-based capital ratio | 25.1927% | 910 |
| Memoranda: | ||
| Average total assets | $198,355,000 | 3,005 |
| Average earning assets | $188,040,000 | 2,959 |
| Average equity | $20,302,000 | 3,167 |
| Average total loans | $95,597,000 | 3,502 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6601% | 4,489 |
| Cost of funding earning assets | 0.5199% | 1,994 |
| Net interest margin | 3.1401% | 4,811 |
| Noninterest income to average assets | 0.3004% | 4,732 |
| Noninterest expense to average assets | 1.9919% | 5,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8640% | 3,049 |
| Return on assets (ROA) | 0.8678% | 3,106 |
| Pretax return on assets | 1.2907% | 2,321 |
| Return on Equity (ROE) | 8.5936% | 2,676 |
| Retained earnings to average equity (ytd only) | 5.5372% | 2,060 |
| Net charge-offs to loans | 0.1399% | 1,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 18.7820% | 1,991 |
| Efficiency ratio | 60.7849% | 4,788 |
| Assets per employee ($millions) | 5.4613% | 1,853 |
| Cash dividends to net income (ytd only)* | 35.5661% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1282% | 664 |
| Loan loss allowance to noncurrent loans | 370.9324% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 3,865 |
| Noncurrent loans to loans | 0.5737% | 3,450 |
| Net loans and leases to total assets | 47.4604% | 5,060 |
| Net loans and leases to deposits | 53.4767% | 5,190 |
| Net loans and leases to core deposits | 62.7153% | 4,823 |
| Total domestic deposits to total assets | 88.7497% | 1,256 |
| Equity capital to assets | 10.2859% | 3,639 |
| Core capital (leverage) ratio | 10.4528% | 2,983 |
| Tier 1 risk-based capital ratio | 24.4333% | 867 |
| Total risk-based capital ratio | 25.6976% | 850 |
| Memoranda: | ||
| Average total assets | $194,390,800 | 3,002 |
| Average earning assets | $184,259,200 | 2,955 |
| Average equity | $19,631,000 | 3,208 |
| Average total loans | $95,046,400 | 3,474 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 4,584 |
| Cost of funding earning assets | 0.5192% | 2,048 |
| Net interest margin | 3.1271% | 4,888 |
| Noninterest income to average assets | 0.3006% | 4,785 |
| Noninterest expense to average assets | 1.9487% | 5,571 |
| Loan and lease loss provision to assets | 0.0537% | 3,121 |
| Net operating income to assets | 0.8064% | 3,401 |
| Return on assets (ROA) | 0.8117% | 3,469 |
| Pretax return on assets | 1.2725% | 2,502 |
| Return on Equity (ROE) | 8.0752% | 3,040 |
| Retained earnings to average equity (ytd only) | 3.9692% | 3,645 |
| Net charge-offs to loans | 0.0505% | 2,894 |
| Credit loss provision to net charge-offs | 216.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 53.2208% | 1,002 |
| Efficiency ratio | 59.6547% | 4,925 |
| Assets per employee ($millions) | 5.5605% | 1,723 |
| Cash dividends to net income (ytd only)* | 50.8476% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3285% | 553 |
| Loan loss allowance to noncurrent loans | 212.9469% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 2,910 |
| Noncurrent loans to loans | 1.0934% | 2,298 |
| Net loans and leases to total assets | 47.5043% | 5,116 |
| Net loans and leases to deposits | 53.5110% | 5,282 |
| Net loans and leases to core deposits | 62.8628% | 4,875 |
| Total domestic deposits to total assets | 88.7748% | 1,137 |
| Equity capital to assets | 10.2068% | 3,925 |
| Core capital (leverage) ratio | 10.2443% | 3,314 |
| Tier 1 risk-based capital ratio | 24.2641% | 921 |
| Total risk-based capital ratio | 25.5309% | 904 |
| Memoranda: | ||
| Average total assets | $193,836,500 | 3,029 |
| Average earning assets | $183,851,750 | 2,984 |
| Average equity | $19,483,000 | 3,253 |
| Average total loans | $94,973,000 | 3,510 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 4,489 |
| Cost of funding earning assets | 0.5113% | 2,153 |
| Net interest margin | 3.1634% | 4,777 |
| Noninterest income to average assets | 0.3141% | 4,708 |
| Noninterest expense to average assets | 1.9300% | 5,663 |
| Loan and lease loss provision to assets | 0.0806% | 2,499 |
| Net operating income to assets | 0.8308% | 3,209 |
| Return on assets (ROA) | 0.8348% | 3,313 |
| Pretax return on assets | 1.3080% | 2,330 |
| Return on Equity (ROE) | 8.3488% | 2,877 |
| Retained earnings to average equity (ytd only) | 2.1492% | 4,633 |
| Net charge-offs to loans | 0.0568% | 2,592 |
| Credit loss provision to net charge-offs | 288.8889% | 951 |
| Earnings coverage of net charge-offs (x) | 49.5556% | 965 |
| Efficiency ratio | 58.2658% | 5,188 |
| Assets per employee ($millions) | 5.8995% | 1,431 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3398% | 607 |
| Loan loss allowance to noncurrent loans | 178.0370% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 2,868 |
| Noncurrent loans to loans | 1.3142% | 2,045 |
| Net loans and leases to total assets | 47.4438% | 5,150 |
| Net loans and leases to deposits | 53.2102% | 5,306 |
| Net loans and leases to core deposits | 62.4588% | 4,906 |
| Total domestic deposits to total assets | 89.1630% | 1,063 |
| Equity capital to assets | 9.8986% | 4,162 |
| Core capital (leverage) ratio | 10.0363% | 3,544 |
| Tier 1 risk-based capital ratio | 23.7071% | 987 |
| Total risk-based capital ratio | 24.9743% | 970 |
| Memoranda: | ||
| Average total assets | $193,576,670 | 3,055 |
| Average earning assets | $183,471,330 | 3,011 |
| Average equity | $19,356,000 | 3,282 |
| Average total loans | $95,079,000 | 3,533 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7030% | 4,350 |
| Cost of funding earning assets | 0.5000% | 2,275 |
| Net interest margin | 3.2030% | 4,599 |
| Noninterest income to average assets | 0.3212% | 4,622 |
| Noninterest expense to average assets | 1.8941% | 5,766 |
| Loan and lease loss provision to assets | 0.1616% | 1,249 |
| Net operating income to assets | 0.8334% | 3,095 |
| Return on assets (ROA) | 0.8414% | 3,182 |
| Pretax return on assets | 1.3180% | 2,209 |
| Return on Equity (ROE) | 8.3718% | 2,768 |
| Retained earnings to average equity (ytd only) | 3.2167% | 4,059 |
| Net charge-offs to loans | 0.0587% | 2,169 |
| Credit loss provision to net charge-offs | 557.1429% | 499 |
| Earnings coverage of net charge-offs (x) | 50.5714% | 831 |
| Efficiency ratio | 56.3502% | 5,489 |
| Assets per employee ($millions) | 5.7439% | 1,597 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3258% | 685 |
| Loan loss allowance to noncurrent loans | 286.8557% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 3,519 |
| Noncurrent loans to loans | 0.8108% | 3,219 |
| Net loans and leases to total assets | 47.8671% | 5,046 |
| Net loans and leases to deposits | 53.7293% | 5,213 |
| Net loans and leases to core deposits | 63.3744% | 4,752 |
| Total domestic deposits to total assets | 89.0892% | 1,209 |
| Equity capital to assets | 10.0086% | 4,136 |
| Core capital (leverage) ratio | 10.1107% | 3,458 |
| Tier 1 risk-based capital ratio | 23.6638% | 1,032 |
| Total risk-based capital ratio | 24.9309% | 1,017 |
| Memoranda: | ||
| Average total assets | $193,022,500 | 3,080 |
| Average earning assets | $183,204,500 | 3,027 |
| Average equity | $19,398,500 | 3,302 |
| Average total loans | $95,329,000 | 3,540 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9543% | 3,903 |
| Cost of funding earning assets | 0.5150% | 2,533 |
| Net interest margin | 3.4393% | 4,024 |
| Noninterest income to average assets | 0.2088% | 5,611 |
| Noninterest expense to average assets | 1.9634% | 5,835 |
| Loan and lease loss provision to assets | 0.3276% | 594 |
| Net operating income to assets | 0.7970% | 3,385 |
| Return on assets (ROA) | 0.8009% | 3,465 |
| Pretax return on assets | 1.1736% | 2,765 |
| Return on Equity (ROE) | 8.2342% | 3,002 |
| Retained earnings to average equity (ytd only) | 6.0544% | 1,895 |
| Net charge-offs to loans | 0.5564% | 730 |
| Credit loss provision to net charge-offs | 117.7143% | 2,037 |
| Earnings coverage of net charge-offs (x) | 5.3733% | 3,436 |
| Efficiency ratio | 56.7663% | 5,589 |
| Assets per employee ($millions) | 5.6104% | 1,683 |
| Cash dividends to net income (ytd only)* | 26.4725% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2770% | 746 |
| Loan loss allowance to noncurrent loans | 395.2468% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 3,865 |
| Noncurrent loans to loans | 0.5761% | 3,942 |
| Net loans and leases to total assets | 48.6438% | 5,104 |
| Net loans and leases to deposits | 54.7260% | 5,273 |
| Net loans and leases to core deposits | 63.3311% | 4,889 |
| Total domestic deposits to total assets | 88.8861% | 1,295 |
| Equity capital to assets | 10.0922% | 3,992 |
| Core capital (leverage) ratio | 10.1493% | 3,368 |
| Tier 1 risk-based capital ratio | 23.4604% | 1,014 |
| Total risk-based capital ratio | 24.7280% | 991 |
| Memoranda: | ||
| Average total assets | $188,654,200 | 3,117 |
| Average earning assets | $178,260,600 | 3,068 |
| Average equity | $18,350,400 | 3,365 |
| Average total loans | $94,357,800 | 3,542 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,835 |
| Cost of funding earning assets | 0.5165% | 2,592 |
| Net interest margin | 3.4634% | 3,967 |
| Noninterest income to average assets | 0.1722% | 5,890 |
| Noninterest expense to average assets | 1.9610% | 5,839 |
| Loan and lease loss provision to assets | 0.3210% | 585 |
| Net operating income to assets | 0.7392% | 3,729 |
| Return on assets (ROA) | 0.7442% | 3,801 |
| Pretax return on assets | 1.1673% | 2,920 |
| Return on Equity (ROE) | 7.7239% | 3,351 |
| Retained earnings to average equity (ytd only) | 4.7815% | 3,226 |
| Net charge-offs to loans | 0.4883% | 799 |
| Credit loss provision to net charge-offs | 131.3043% | 1,764 |
| Earnings coverage of net charge-offs (x) | 6.0550% | 3,147 |
| Efficiency ratio | 56.9811% | 5,560 |
| Assets per employee ($millions) | 5.5920% | 1,646 |
| Cash dividends to net income (ytd only)* | 38.0951% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3446% | 787 |
| Loan loss allowance to noncurrent loans | 291.8231% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 3,726 |
| Noncurrent loans to loans | 0.8034% | 3,569 |
| Net loans and leases to total assets | 47.6908% | 5,233 |
| Net loans and leases to deposits | 53.4695% | 5,424 |
| Net loans and leases to core deposits | 62.5836% | 4,997 |
| Total domestic deposits to total assets | 89.1925% | 1,131 |
| Equity capital to assets | 9.8413% | 4,372 |
| Core capital (leverage) ratio | 9.9402% | 3,756 |
| Tier 1 risk-based capital ratio | 23.6235% | 1,031 |
| Total risk-based capital ratio | 24.8922% | 1,013 |
| Memoranda: | ||
| Average total assets | $188,129,750 | 3,150 |
| Average earning assets | $177,585,250 | 3,098 |
| Average equity | $18,125,250 | 3,403 |
| Average total loans | $94,209,500 | 3,576 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,611 |
| Cost of funding earning assets | 0.5183% | 2,653 |
| Net interest margin | 3.5124% | 3,734 |
| Noninterest income to average assets | 0.1078% | 6,257 |
| Noninterest expense to average assets | 1.9673% | 5,879 |
| Loan and lease loss provision to assets | 0.3201% | 597 |
| Net operating income to assets | 0.7211% | 3,727 |
| Return on assets (ROA) | 0.7265% | 3,792 |
| Pretax return on assets | 1.1405% | 2,928 |
| Return on Equity (ROE) | 7.5962% | 3,321 |
| Retained earnings to average equity (ytd only) | 3.1344% | 4,213 |
| Net charge-offs to loans | 0.2937% | 1,370 |
| Credit loss provision to net charge-offs | 215.8273% | 1,100 |
| Earnings coverage of net charge-offs (x) | 9.7914% | 2,320 |
| Efficiency ratio | 57.5351% | 5,606 |
| Assets per employee ($millions) | 5.3104% | 1,869 |
| Cash dividends to net income (ytd only)* | 58.7372% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3874% | 824 |
| Loan loss allowance to noncurrent loans | 233.5079% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7412% | 3,744 |
| Noncurrent loans to loans | 1.0224% | 3,190 |
| Net loans and leases to total assets | 47.6942% | 5,196 |
| Net loans and leases to deposits | 53.2690% | 5,401 |
| Net loans and leases to core deposits | 62.6376% | 4,921 |
| Total domestic deposits to total assets | 89.5347% | 1,066 |
| Equity capital to assets | 9.5463% | 4,689 |
| Core capital (leverage) ratio | 9.6786% | 4,071 |
| Tier 1 risk-based capital ratio | 22.7714% | 1,147 |
| Total risk-based capital ratio | 24.0396% | 1,127 |
| Memoranda: | ||
| Average total assets | $187,464,000 | 3,175 |
| Average earning assets | $176,747,000 | 3,118 |
| Average equity | $17,930,000 | 3,425 |
| Average total loans | $94,662,670 | 3,573 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 3,209 |
| Cost of funding earning assets | 0.5154% | 2,755 |
| Net interest margin | 3.6036% | 3,232 |
| Noninterest income to average assets | 0.0862% | 6,375 |
| Noninterest expense to average assets | 1.9740% | 5,936 |
| Loan and lease loss provision to assets | 0.3233% | 568 |
| Net operating income to assets | 0.7517% | 3,413 |
| Return on assets (ROA) | 0.7586% | 3,450 |
| Pretax return on assets | 1.1896% | 2,529 |
| Return on Equity (ROE) | 7.9235% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.9235% | 1,623 |
| Net charge-offs to loans | 0.3862% | 946 |
| Credit loss provision to net charge-offs | 163.0435% | 1,192 |
| Earnings coverage of net charge-offs (x) | 7.5761% | 2,107 |
| Efficiency ratio | 56.7886% | 5,774 |
| Assets per employee ($millions) | 5.5466% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2449% | 1,101 |
| Loan loss allowance to noncurrent loans | 338.3148% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 3,856 |
| Noncurrent loans to loans | 0.6636% | 4,206 |
| Net loans and leases to total assets | 49.1357% | 4,989 |
| Net loans and leases to deposits | 54.9375% | 5,204 |
| Net loans and leases to core deposits | 64.3390% | 4,664 |
| Total domestic deposits to total assets | 89.4393% | 1,401 |
| Equity capital to assets | 9.6057% | 4,347 |
| Core capital (leverage) ratio | 9.8381% | 3,808 |
| Tier 1 risk-based capital ratio | 22.3457% | 1,240 |
| Total risk-based capital ratio | 23.6119% | 1,216 |
| Memoranda: | ||
| Average total assets | $185,609,000 | 3,226 |
| Average earning assets | $174,605,500 | 3,164 |
| Average equity | $17,770,000 | 3,450 |
| Average total loans | $95,289,500 | 3,577 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,847 |
| Cost of funding earning assets | 0.5931% | 2,730 |
| Net interest margin | 3.7363% | 2,914 |
| Noninterest income to average assets | 0.1560% | 6,156 |
| Noninterest expense to average assets | 1.9581% | 6,093 |
| Loan and lease loss provision to assets | 0.3764% | 819 |
| Net operating income to assets | 0.8878% | 2,839 |
| Return on assets (ROA) | 0.8976% | 2,888 |
| Pretax return on assets | 1.3423% | 2,001 |
| Return on Equity (ROE) | 9.6933% | 2,238 |
| Retained earnings to average equity (ytd only) | 7.3702% | 1,282 |
| Net charge-offs to loans | 1.0142% | 569 |
| Credit loss provision to net charge-offs | 70.8502% | 3,285 |
| Earnings coverage of net charge-offs (x) | 3.2075% | 3,927 |
| Efficiency ratio | 52.3935% | 6,265 |
| Assets per employee ($millions) | 5.3715% | 1,776 |
| Cash dividends to net income (ytd only)* | 23.9664% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1600% | 1,235 |
| Loan loss allowance to noncurrent loans | 463.9013% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 3,885 |
| Noncurrent loans to loans | 0.4656% | 4,835 |
| Net loans and leases to total assets | 51.3158% | 4,938 |
| Net loans and leases to deposits | 57.3626% | 5,180 |
| Net loans and leases to core deposits | 67.5418% | 4,558 |
| Total domestic deposits to total assets | 89.4586% | 1,360 |
| Equity capital to assets | 9.5410% | 4,366 |
| Core capital (leverage) ratio | 9.9473% | 3,645 |
| Tier 1 risk-based capital ratio | 21.8297% | 1,286 |
| Total risk-based capital ratio | 23.0953% | 1,261 |
| Memoranda: | ||
| Average total assets | $185,948,200 | 3,211 |
| Average earning assets | $174,504,400 | 3,159 |
| Average equity | $17,218,000 | 3,536 |
| Average total loans | $97,416,000 | 3,519 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 2,804 |
| Cost of funding earning assets | 0.6077% | 2,749 |
| Net interest margin | 3.7390% | 2,888 |
| Noninterest income to average assets | 0.1478% | 6,295 |
| Noninterest expense to average assets | 1.9452% | 6,106 |
| Loan and lease loss provision to assets | 0.3569% | 887 |
| Net operating income to assets | 0.8664% | 3,009 |
| Return on assets (ROA) | 0.8787% | 3,057 |
| Pretax return on assets | 1.3742% | 2,018 |
| Return on Equity (ROE) | 9.5611% | 2,369 |
| Retained earnings to average equity (ytd only) | 6.4544% | 2,160 |
| Net charge-offs to loans | 1.1258% | 496 |
| Credit loss provision to net charge-offs | 60.5327% | 3,286 |
| Earnings coverage of net charge-offs (x) | 2.9031% | 3,869 |
| Efficiency ratio | 52.0203% | 6,251 |
| Assets per employee ($millions) | 5.5829% | 1,553 |
| Cash dividends to net income (ytd only)* | 32.4940% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1308% | 1,444 |
| Loan loss allowance to noncurrent loans | 184.6364% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 1.2180% | 3,209 |
| Noncurrent loans to loans | 1.1540% | 3,506 |
| Net loans and leases to total assets | 50.6348% | 5,057 |
| Net loans and leases to deposits | 56.4982% | 5,331 |
| Net loans and leases to core deposits | 66.9357% | 4,629 |
| Total domestic deposits to total assets | 89.6220% | 1,209 |
| Equity capital to assets | 9.2431% | 4,873 |
| Core capital (leverage) ratio | 9.6203% | 4,218 |
| Tier 1 risk-based capital ratio | 20.9627% | 1,500 |
| Total risk-based capital ratio | 22.2265% | 1,473 |
| Memoranda: | ||
| Average total assets | $186,777,250 | 3,230 |
| Average earning assets | $175,300,750 | 3,170 |
| Average equity | $17,166,250 | 3,581 |
| Average total loans | $97,823,000 | 3,528 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3528% | 2,750 |
| Cost of funding earning assets | 0.6248% | 2,734 |
| Net interest margin | 3.7281% | 2,857 |
| Noninterest income to average assets | 0.0810% | 6,582 |
| Noninterest expense to average assets | 1.9550% | 6,121 |
| Loan and lease loss provision to assets | 0.3198% | 1,097 |
| Net operating income to assets | 0.8336% | 3,129 |
| Return on assets (ROA) | 0.8506% | 3,191 |
| Pretax return on assets | 1.3314% | 2,184 |
| Return on Equity (ROE) | 9.2726% | 2,508 |
| Retained earnings to average equity (ytd only) | 4.6247% | 3,317 |
| Net charge-offs to loans | 1.3765% | 409 |
| Credit loss provision to net charge-offs | 44.1826% | 3,338 |
| Earnings coverage of net charge-offs (x) | 2.2445% | 3,775 |
| Efficiency ratio | 53.4247% | 6,186 |
| Assets per employee ($millions) | 5.4972% | 1,596 |
| Cash dividends to net income (ytd only)* | 50.1253% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0485% | 1,747 |
| Loan loss allowance to noncurrent loans | 129.7900% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.5334% | 2,804 |
| Noncurrent loans to loans | 1.5783% | 2,943 |
| Net loans and leases to total assets | 50.6030% | 5,048 |
| Net loans and leases to deposits | 56.2465% | 5,310 |
| Net loans and leases to core deposits | 67.1430% | 4,579 |
| Total domestic deposits to total assets | 89.9665% | 1,045 |
| Equity capital to assets | 9.0003% | 5,219 |
| Core capital (leverage) ratio | 9.2543% | 4,620 |
| Tier 1 risk-based capital ratio | 20.7695% | 1,552 |
| Total risk-based capital ratio | 22.0447% | 1,513 |
| Memoranda: | ||
| Average total assets | $187,624,670 | 3,237 |
| Average earning assets | $176,069,330 | 3,171 |
| Average equity | $17,212,000 | 3,591 |
| Average total loans | $98,658,000 | 3,527 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 2,351 |
| Cost of funding earning assets | 0.6534% | 2,623 |
| Net interest margin | 3.7958% | 2,466 |
| Noninterest income to average assets | 0.1511% | 6,348 |
| Noninterest expense to average assets | 1.9172% | 6,252 |
| Loan and lease loss provision to assets | 0.3192% | 1,059 |
| Net operating income to assets | 0.9393% | 2,473 |
| Return on assets (ROA) | 0.9448% | 2,598 |
| Pretax return on assets | 1.4831% | 1,608 |
| Return on Equity (ROE) | 10.2028% | 1,995 |
| Retained earnings to average equity (ytd only) | 1.0111% | 5,445 |
| Net charge-offs to loans | 1.6608% | 307 |
| Credit loss provision to net charge-offs | 36.2319% | 2,798 |
| Earnings coverage of net charge-offs (x) | 2.0362% | 3,153 |
| Efficiency ratio | 50.5161% | 6,470 |
| Assets per employee ($millions) | 5.7348% | 1,453 |
| Cash dividends to net income (ytd only)* | 90.0901% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1128% | 1,767 |
| Loan loss allowance to noncurrent loans | 140.8479% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.7200% | 2,712 |
| Noncurrent loans to loans | 1.5001% | 3,303 |
| Net loans and leases to total assets | 51.2386% | 4,806 |
| Net loans and leases to deposits | 57.0504% | 5,133 |
| Net loans and leases to core deposits | 67.7643% | 4,334 |
| Total domestic deposits to total assets | 89.8128% | 1,155 |
| Equity capital to assets | 9.1716% | 5,286 |
| Core capital (leverage) ratio | 8.9864% | 4,907 |
| Tier 1 risk-based capital ratio | 19.7784% | 1,829 |
| Total risk-based capital ratio | 21.0428% | 1,795 |
| Memoranda: | ||
| Average total assets | $187,985,000 | 3,247 |
| Average earning assets | $176,299,000 | 3,193 |
| Average equity | $17,407,000 | 3,605 |
| Average total loans | $99,708,500 | 3,512 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 3,370 |
| Cost of funding earning assets | 0.8794% | 2,072 |
| Net interest margin | 3.6266% | 3,982 |
| Noninterest income to average assets | 0.2297% | 5,805 |
| Noninterest expense to average assets | 2.0051% | 6,316 |
| Loan and lease loss provision to assets | 0.5281% | 1,100 |
| Net operating income to assets | 0.7744% | 3,391 |
| Return on assets (ROA) | 0.7911% | 3,576 |
| Pretax return on assets | 1.1264% | 3,062 |
| Return on Equity (ROE) | 8.9481% | 2,665 |
| Retained earnings to average equity (ytd only) | 6.5587% | 1,786 |
| Net charge-offs to loans | 0.5062% | 2,219 |
| Credit loss provision to net charge-offs | 190.4762% | 1,373 |
| Earnings coverage of net charge-offs (x) | 5.8819% | 2,928 |
| Efficiency ratio | 53.9869% | 6,270 |
| Assets per employee ($millions) | 5.8351% | 1,405 |
| Cash dividends to net income (ytd only)* | 26.7023% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3486% | 1,310 |
| Loan loss allowance to noncurrent loans | 104.8488% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 2.1920% | 2,238 |
| Noncurrent loans to loans | 2.2400% | 2,417 |
| Net loans and leases to total assets | 52.4839% | 4,849 |
| Net loans and leases to deposits | 58.5768% | 5,174 |
| Net loans and leases to core deposits | 70.1451% | 4,290 |
| Total domestic deposits to total assets | 89.5984% | 1,190 |
| Equity capital to assets | 9.3492% | 5,082 |
| Core capital (leverage) ratio | 9.0814% | 4,763 |
| Tier 1 risk-based capital ratio | 20.2710% | 1,615 |
| Total risk-based capital ratio | 21.5407% | 1,576 |
| Memoranda: | ||
| Average total assets | $189,365,200 | 3,184 |
| Average earning assets | $177,851,400 | 3,120 |
| Average equity | $16,741,000 | 3,666 |
| Average total loans | $103,707,200 | 3,441 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5514% | 3,422 |
| Cost of funding earning assets | 0.9233% | 2,026 |
| Net interest margin | 3.6281% | 4,111 |
| Noninterest income to average assets | 0.2442% | 5,801 |
| Noninterest expense to average assets | 1.9667% | 6,410 |
| Loan and lease loss provision to assets | 0.4736% | 1,307 |
| Net operating income to assets | 0.7756% | 3,571 |
| Return on assets (ROA) | 0.7760% | 3,820 |
| Pretax return on assets | 1.2152% | 2,934 |
| Return on Equity (ROE) | 8.9037% | 2,848 |
| Retained earnings to average equity (ytd only) | 5.6836% | 2,906 |
| Net charge-offs to loans | 0.5458% | 1,966 |
| Credit loss provision to net charge-offs | 157.7103% | 1,781 |
| Earnings coverage of net charge-offs (x) | 5.6215% | 2,971 |
| Efficiency ratio | 52.6589% | 6,388 |
| Assets per employee ($millions) | 5.9255% | 1,296 |
| Cash dividends to net income (ytd only)* | 36.1664% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0826% | 1,952 |
| Loan loss allowance to noncurrent loans | 123.5772% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 1.8000% | 2,910 |
| Noncurrent loans to loans | 1.6853% | 3,266 |
| Net loans and leases to total assets | 52.7648% | 4,945 |
| Net loans and leases to deposits | 58.8069% | 5,338 |
| Net loans and leases to core deposits | 70.9801% | 4,380 |
| Total domestic deposits to total assets | 89.7255% | 988 |
| Equity capital to assets | 9.0304% | 5,797 |
| Core capital (leverage) ratio | 8.7035% | 5,469 |
| Tier 1 risk-based capital ratio | 19.8281% | 1,803 |
| Total risk-based capital ratio | 21.0879% | 1,774 |
| Memoranda: | ||
| Average total assets | $190,026,000 | 3,204 |
| Average earning assets | $178,636,500 | 3,150 |
| Average equity | $16,562,000 | 3,724 |
| Average total loans | $104,545,000 | 3,445 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 3,322 |
| Cost of funding earning assets | 0.9733% | 1,918 |
| Net interest margin | 3.6358% | 4,102 |
| Noninterest income to average assets | 0.2366% | 5,876 |
| Noninterest expense to average assets | 1.9541% | 6,510 |
| Loan and lease loss provision to assets | 0.4733% | 1,347 |
| Net operating income to assets | 0.7846% | 3,451 |
| Return on assets (ROA) | 0.7846% | 3,712 |
| Pretax return on assets | 1.2274% | 2,812 |
| Return on Equity (ROE) | 9.1115% | 2,761 |
| Retained earnings to average equity (ytd only) | 4.2260% | 3,800 |
| Net charge-offs to loans | 0.7671% | 1,436 |
| Credit loss provision to net charge-offs | 111.3861% | 2,439 |
| Earnings coverage of net charge-offs (x) | 4.0025% | 3,201 |
| Efficiency ratio | 52.3165% | 6,473 |
| Assets per employee ($millions) | 5.9957% | 1,229 |
| Cash dividends to net income (ytd only)* | 53.6193% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8571% | 2,681 |
| Loan loss allowance to noncurrent loans | 152.4941% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 1.5668% | 3,358 |
| Noncurrent loans to loans | 1.2178% | 4,112 |
| Net loans and leases to total assets | 53.0499% | 4,953 |
| Net loans and leases to deposits | 58.8040% | 5,368 |
| Net loans and leases to core deposits | 70.3745% | 4,490 |
| Total domestic deposits to total assets | 90.2148% | 806 |
| Equity capital to assets | 8.6484% | 6,076 |
| Core capital (leverage) ratio | 8.4203% | 5,762 |
| Tier 1 risk-based capital ratio | 18.7796% | 2,036 |
| Total risk-based capital ratio | 20.0301% | 2,007 |
| Memoranda: | ||
| Average total assets | $190,163,000 | 3,214 |
| Average earning assets | $178,777,670 | 3,151 |
| Average equity | $16,375,000 | 3,750 |
| Average total loans | $105,334,000 | 3,453 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 3,298 |
| Cost of funding earning assets | 1.0199% | 1,870 |
| Net interest margin | 3.6236% | 4,160 |
| Noninterest income to average assets | 0.2874% | 5,576 |
| Noninterest expense to average assets | 1.9861% | 6,485 |
| Loan and lease loss provision to assets | 0.4754% | 1,283 |
| Net operating income to assets | 0.7889% | 3,431 |
| Return on assets (ROA) | 0.7902% | 3,666 |
| Pretax return on assets | 1.2360% | 2,779 |
| Return on Equity (ROE) | 9.1971% | 2,734 |
| Retained earnings to average equity (ytd only) | 9.1971% | 1,515 |
| Net charge-offs to loans | 0.5012% | 1,834 |
| Credit loss provision to net charge-offs | 169.1729% | 1,511 |
| Earnings coverage of net charge-offs (x) | 6.0827% | 2,254 |
| Efficiency ratio | 52.6015% | 6,485 |
| Assets per employee ($millions) | 6.1385% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 2,749 |
| Loan loss allowance to noncurrent loans | 80.6293% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.8329% | 3,135 |
| Noncurrent loans to loans | 2.3272% | 2,781 |
| Net loans and leases to total assets | 54.2190% | 4,683 |
| Net loans and leases to deposits | 59.9630% | 5,153 |
| Net loans and leases to core deposits | 71.7936% | 4,182 |
| Total domestic deposits to total assets | 90.4207% | 852 |
| Equity capital to assets | 8.6014% | 5,992 |
| Core capital (leverage) ratio | 8.4786% | 5,632 |
| Tier 1 risk-based capital ratio | 16.6618% | 2,830 |
| Total risk-based capital ratio | 17.9216% | 2,781 |
| Memoranda: | ||
| Average total assets | $189,314,000 | 3,245 |
| Average earning assets | $178,056,000 | 3,175 |
| Average equity | $16,266,000 | 3,769 |
| Average total loans | $106,147,000 | 3,454 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1824% | 2,138 |
| Cost of funding earning assets | 1.3498% | 1,237 |
| Net interest margin | 3.8326% | 3,659 |
| Noninterest income to average assets | 0.1695% | 6,277 |
| Noninterest expense to average assets | 1.9928% | 6,685 |
| Loan and lease loss provision to assets | 0.5522% | 1,888 |
| Net operating income to assets | 0.8143% | 2,980 |
| Return on assets (ROA) | 0.8106% | 3,163 |
| Pretax return on assets | 1.2093% | 2,425 |
| Return on Equity (ROE) | 9.6295% | 2,198 |
| Retained earnings to average equity (ytd only) | 7.0057% | 1,500 |
| Net charge-offs to loans | 0.7352% | 2,313 |
| Credit loss provision to net charge-offs | 124.5330% | 2,522 |
| Earnings coverage of net charge-offs (x) | 3.9851% | 3,310 |
| Efficiency ratio | 51.8285% | 6,712 |
| Assets per employee ($millions) | 6.0753% | 1,177 |
| Cash dividends to net income (ytd only)* | 27.2480% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 3,000 |
| Loan loss allowance to noncurrent loans | 95.0000% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.6466% | 3,486 |
| Noncurrent loans to loans | 1.8480% | 3,413 |
| Net loans and leases to total assets | 55.8925% | 4,726 |
| Net loans and leases to deposits | 61.9266% | 5,253 |
| Net loans and leases to core deposits | 74.3863% | 4,189 |
| Total domestic deposits to total assets | 90.2561% | 851 |
| Equity capital to assets | 8.5827% | 6,035 |
| Core capital (leverage) ratio | 8.3710% | 5,750 |
| Tier 1 risk-based capital ratio | 17.3483% | 2,441 |
| Total risk-based capital ratio | 18.6057% | 2,406 |
| Memoranda: | ||
| Average total assets | $181,103,400 | 3,318 |
| Average earning assets | $169,651,400 | 3,255 |
| Average equity | $15,244,800 | 3,858 |
| Average total loans | $109,218,200 | 3,400 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2889% | 1,904 |
| Cost of funding earning assets | 1.4150% | 1,166 |
| Net interest margin | 3.8739% | 3,504 |
| Noninterest income to average assets | 0.2186% | 6,047 |
| Noninterest expense to average assets | 2.0405% | 6,612 |
| Loan and lease loss provision to assets | 0.4462% | 2,241 |
| Net operating income to assets | 0.8823% | 2,814 |
| Return on assets (ROA) | 0.8775% | 2,976 |
| Pretax return on assets | 1.3504% | 2,113 |
| Return on Equity (ROE) | 10.4781% | 2,043 |
| Retained earnings to average equity (ytd only) | 6.9262% | 2,013 |
| Net charge-offs to loans | 1.0571% | 1,506 |
| Credit loss provision to net charge-offs | 68.9655% | 4,514 |
| Earnings coverage of net charge-offs (x) | 2.7885% | 3,738 |
| Efficiency ratio | 51.9149% | 6,682 |
| Assets per employee ($millions) | 6.0080% | 1,197 |
| Cash dividends to net income (ytd only)* | 33.8984% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,968 |
| Loan loss allowance to noncurrent loans | 72.1797% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 3,504 |
| Noncurrent loans to loans | 1.8147% | 3,622 |
| Net loans and leases to total assets | 57.2006% | 4,643 |
| Net loans and leases to deposits | 63.3628% | 5,252 |
| Net loans and leases to core deposits | 75.4743% | 4,254 |
| Total domestic deposits to total assets | 90.2748% | 733 |
| Equity capital to assets | 8.5257% | 6,273 |
| Core capital (leverage) ratio | 8.2978% | 5,977 |
| Tier 1 risk-based capital ratio | 17.3389% | 2,509 |
| Total risk-based capital ratio | 18.5930% | 2,473 |
| Memoranda: | ||
| Average total assets | $179,296,000 | 3,358 |
| Average earning assets | $167,819,500 | 3,292 |
| Average equity | $15,015,000 | 3,919 |
| Average total loans | $109,736,500 | 3,418 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4478% | 1,418 |
| Cost of funding earning assets | 1.4574% | 1,171 |
| Net interest margin | 3.9904% | 2,883 |
| Noninterest income to average assets | 0.2384% | 5,946 |
| Noninterest expense to average assets | 2.0816% | 6,632 |
| Loan and lease loss provision to assets | 0.3390% | 2,751 |
| Net operating income to assets | 1.0063% | 2,202 |
| Return on assets (ROA) | 0.9990% | 2,338 |
| Pretax return on assets | 1.5380% | 1,409 |
| Return on Equity (ROE) | 12.0052% | 1,490 |
| Retained earnings to average equity (ytd only) | 6.5730% | 2,098 |
| Net charge-offs to loans | 1.1638% | 1,342 |
| Credit loss provision to net charge-offs | 46.7290% | 4,661 |
| Earnings coverage of net charge-offs (x) | 2.6028% | 3,524 |
| Efficiency ratio | 51.2952% | 6,852 |
| Assets per employee ($millions) | 5.9195% | 1,230 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 5,416 |
| Loan loss allowance to noncurrent loans | 57.4058% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.7738% | 3,547 |
| Noncurrent loans to loans | 2.1423% | 3,293 |
| Net loans and leases to total assets | 58.6896% | 4,515 |
| Net loans and leases to deposits | 64.8946% | 5,166 |
| Net loans and leases to core deposits | 77.3400% | 4,145 |
| Total domestic deposits to total assets | 90.4385% | 743 |
| Equity capital to assets | 8.3659% | 6,345 |
| Core capital (leverage) ratio | 8.2429% | 5,963 |
| Tier 1 risk-based capital ratio | 17.0639% | 2,493 |
| Total risk-based capital ratio | 18.3133% | 2,467 |
| Memoranda: | ||
| Average total assets | $176,978,670 | 3,417 |
| Average earning assets | $165,497,000 | 3,346 |
| Average equity | $14,727,000 | 3,952 |
| Average total loans | $110,332,330 | 3,444 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5023% | 1,290 |
| Cost of funding earning assets | 1.4742% | 1,275 |
| Net interest margin | 4.0281% | 2,577 |
| Noninterest income to average assets | 0.2118% | 6,219 |
| Noninterest expense to average assets | 2.1414% | 6,547 |
| Loan and lease loss provision to assets | 0.3454% | 2,493 |
| Net operating income to assets | 0.9671% | 2,290 |
| Return on assets (ROA) | 0.9671% | 2,353 |
| Pretax return on assets | 1.4875% | 1,484 |
| Return on Equity (ROE) | 11.6549% | 1,560 |
| Retained earnings to average equity (ytd only) | 11.6549% | 790 |
| Net charge-offs to loans | 0.3568% | 2,636 |
| Credit loss provision to net charge-offs | 151.5152% | 1,891 |
| Earnings coverage of net charge-offs (x) | 8.0404% | 1,867 |
| Efficiency ratio | 52.7231% | 6,808 |
| Assets per employee ($millions) | 5.4518% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 3,869 |
| Loan loss allowance to noncurrent loans | 74.6237% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.7009% | 3,703 |
| Noncurrent loans to loans | 2.1048% | 3,439 |
| Net loans and leases to total assets | 60.4353% | 4,183 |
| Net loans and leases to deposits | 66.6348% | 4,886 |
| Net loans and leases to core deposits | 80.3067% | 3,705 |
| Total domestic deposits to total assets | 90.6964% | 764 |
| Equity capital to assets | 8.1514% | 6,342 |
| Core capital (leverage) ratio | 8.3328% | 5,744 |
| Tier 1 risk-based capital ratio | 16.6209% | 2,611 |
| Total risk-based capital ratio | 17.8790% | 2,588 |
| Memoranda: | ||
| Average total assets | $173,715,000 | 3,493 |
| Average earning assets | $162,258,500 | 3,417 |
| Average equity | $14,414,500 | 4,018 |
| Average total loans | $110,978,500 | 3,464 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8709% | 1,100 |
| Cost of funding earning assets | 1.7351% | 1,443 |
| Net interest margin | 4.1358% | 2,427 |
| Noninterest income to average assets | 0.2413% | 6,074 |
| Noninterest expense to average assets | 2.2236% | 6,558 |
| Loan and lease loss provision to assets | 0.5598% | 2,886 |
| Net operating income to assets | 0.9094% | 2,345 |
| Return on assets (ROA) | 0.8969% | 2,534 |
| Pretax return on assets | 1.2962% | 1,934 |
| Return on Equity (ROE) | 10.1665% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.1665% | 491 |
| Net charge-offs to loans | 0.2352% | 4,871 |
| Credit loss provision to net charge-offs | 339.6226% | 757 |
| Earnings coverage of net charge-offs (x) | 11.3698% | 1,616 |
| Efficiency ratio | 53.0510% | 6,888 |
| Assets per employee ($millions) | 5.0764% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 3,952 |
| Loan loss allowance to noncurrent loans | 87.9833% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 4,208 |
| Noncurrent loans to loans | 1.7167% | 3,928 |
| Net loans and leases to total assets | 65.5496% | 3,553 |
| Net loans and leases to deposits | 72.9005% | 4,367 |
| Net loans and leases to core deposits | 87.0410% | 3,177 |
| Total domestic deposits to total assets | 89.9165% | 1,151 |
| Equity capital to assets | 8.4550% | 5,918 |
| Core capital (leverage) ratio | 8.6823% | 5,053 |
| Tier 1 risk-based capital ratio | 16.6945% | 2,460 |
| Total risk-based capital ratio | 17.9528% | 2,425 |
| Memoranda: | ||
| Average total assets | $160,773,600 | 3,681 |
| Average earning assets | $149,909,000 | 3,635 |
| Average equity | $14,183,800 | 4,107 |
| Average total loans | $112,658,400 | 3,479 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9672% | 995 |
| Cost of funding earning assets | 1.7829% | 1,493 |
| Net interest margin | 4.1843% | 2,273 |
| Noninterest income to average assets | 0.2162% | 6,360 |
| Noninterest expense to average assets | 2.2285% | 6,531 |
| Loan and lease loss provision to assets | 0.4316% | 3,323 |
| Net operating income to assets | 0.9462% | 2,428 |
| Return on assets (ROA) | 0.9462% | 2,558 |
| Pretax return on assets | 1.4566% | 1,729 |
| Return on Equity (ROE) | 10.6091% | 1,897 |
| Retained earnings to average equity (ytd only) | 10.6091% | 666 |
| Net charge-offs to loans | 0.2479% | 4,453 |
| Credit loss provision to net charge-offs | 245.2381% | 1,368 |
| Earnings coverage of net charge-offs (x) | 10.7287% | 1,860 |
| Efficiency ratio | 52.9112% | 6,895 |
| Assets per employee ($millions) | 4.9986% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 5,473 |
| Loan loss allowance to noncurrent loans | 37.6529% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 2.4449% | 2,925 |
| Noncurrent loans to loans | 3.1966% | 2,493 |
| Net loans and leases to total assets | 67.3760% | 3,360 |
| Net loans and leases to deposits | 75.3155% | 4,297 |
| Net loans and leases to core deposits | 89.7724% | 3,131 |
| Total domestic deposits to total assets | 89.4583% | 1,142 |
| Equity capital to assets | 9.0237% | 5,548 |
| Core capital (leverage) ratio | 8.6715% | 5,239 |
| Tier 1 risk-based capital ratio | 16.5526% | 2,542 |
| Total risk-based capital ratio | 17.8061% | 2,492 |
| Memoranda: | ||
| Average total assets | $159,086,500 | 3,773 |
| Average earning assets | $148,295,500 | 3,718 |
| Average equity | $14,188,750 | 4,165 |
| Average total loans | $112,949,500 | 3,529 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9708% | 1,013 |
| Cost of funding earning assets | 1.8271% | 1,537 |
| Net interest margin | 4.1437% | 2,358 |
| Noninterest income to average assets | 0.2380% | 6,201 |
| Noninterest expense to average assets | 2.2160% | 6,610 |
| Loan and lease loss provision to assets | 0.4137% | 3,249 |
| Net operating income to assets | 0.9508% | 2,363 |
| Return on assets (ROA) | 0.9508% | 2,448 |
| Pretax return on assets | 1.4650% | 1,655 |
| Return on Equity (ROE) | 10.7046% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.7046% | 710 |
| Net charge-offs to loans | 0.2387% | 4,170 |
| Credit loss provision to net charge-offs | 240.7407% | 1,596 |
| Earnings coverage of net charge-offs (x) | 10.9333% | 1,822 |
| Efficiency ratio | 52.8753% | 6,992 |
| Assets per employee ($millions) | 5.3410% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,954 |
| Loan loss allowance to noncurrent loans | 34.3499% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 2.5952% | 2,797 |
| Noncurrent loans to loans | 3.1935% | 2,509 |
| Net loans and leases to total assets | 67.4685% | 3,503 |
| Net loans and leases to deposits | 76.1495% | 4,306 |
| Net loans and leases to core deposits | 91.1754% | 3,098 |
| Total domestic deposits to total assets | 88.6001% | 1,678 |
| Equity capital to assets | 8.7364% | 5,831 |
| Core capital (leverage) ratio | 8.3945% | 5,588 |
| Tier 1 risk-based capital ratio | 15.8411% | 2,743 |
| Total risk-based capital ratio | 17.0926% | 2,705 |
| Memoranda: | ||
| Average total assets | $157,130,330 | 3,842 |
| Average earning assets | $146,245,330 | 3,777 |
| Average equity | $13,956,670 | 4,211 |
| Average total loans | $113,101,330 | 3,556 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0349% | 912 |
| Cost of funding earning assets | 1.8322% | 1,736 |
| Net interest margin | 4.2027% | 2,028 |
| Noninterest income to average assets | 0.3034% | 5,725 |
| Noninterest expense to average assets | 2.2235% | 6,622 |
| Loan and lease loss provision to assets | 0.3924% | 3,017 |
| Net operating income to assets | 1.0307% | 2,067 |
| Return on assets (ROA) | 1.0307% | 2,127 |
| Pretax return on assets | 1.5879% | 1,293 |
| Return on Equity (ROE) | 11.5016% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.5016% | 833 |
| Net charge-offs to loans | 0.1590% | 3,969 |
| Credit loss provision to net charge-offs | 333.3333% | 1,193 |
| Earnings coverage of net charge-offs (x) | 16.8222% | 1,319 |
| Efficiency ratio | 51.6490% | 7,182 |
| Assets per employee ($millions) | 5.0671% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 6,365 |
| Loan loss allowance to noncurrent loans | 35.1615% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 2.5796% | 2,826 |
| Noncurrent loans to loans | 2.8987% | 2,781 |
| Net loans and leases to total assets | 71.3469% | 2,605 |
| Net loans and leases to deposits | 80.8022% | 3,492 |
| Net loans and leases to core deposits | 98.1684% | 2,326 |
| Total domestic deposits to total assets | 88.2982% | 1,906 |
| Equity capital to assets | 8.8764% | 5,435 |
| Core capital (leverage) ratio | 8.6024% | 5,196 |
| Tier 1 risk-based capital ratio | 15.6546% | 2,804 |
| Total risk-based capital ratio | 16.9060% | 2,751 |
| Memoranda: | ||
| Average total assets | $152,909,500 | 3,961 |
| Average earning assets | $141,908,500 | 3,923 |
| Average equity | $13,702,500 | 4,311 |
| Average total loans | $113,178,000 | 3,618 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2923% | 1,043 |
| Cost of funding earning assets | 2.3643% | 1,411 |
| Net interest margin | 3.9280% | 3,165 |
| Noninterest income to average assets | 0.1873% | 6,747 |
| Noninterest expense to average assets | 2.5085% | 6,094 |
| Loan and lease loss provision to assets | 0.2862% | 5,139 |
| Net operating income to assets | 0.7392% | 2,777 |
| Return on assets (ROA) | 0.7610% | 2,768 |
| Pretax return on assets | 1.0624% | 2,367 |
| Return on Equity (ROE) | 8.2126% | 2,285 |
| Retained earnings to average equity (ytd only) | 3.7371% | 2,586 |
| Net charge-offs to loans | 0.2658% | 4,957 |
| Credit loss provision to net charge-offs | 138.9262% | 3,526 |
| Earnings coverage of net charge-offs (x) | 6.3993% | 2,375 |
| Efficiency ratio | 64.1077% | 5,759 |
| Assets per employee ($millions) | 4.7981% | 2,490 |
| Cash dividends to net income (ytd only)* | 54.4959% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 6,717 |
| Loan loss allowance to noncurrent loans | 31.6536% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 2.9172% | 2,400 |
| Noncurrent loans to loans | 2.9293% | 2,634 |
| Net loans and leases to total assets | 75.3543% | 1,952 |
| Net loans and leases to deposits | 85.9709% | 2,918 |
| Net loans and leases to core deposits | 132.8678% | 1,119 |
| Total domestic deposits to total assets | 87.6509% | 2,145 |
| Equity capital to assets | 9.0507% | 5,060 |
| Core capital (leverage) ratio | 8.8030% | 4,764 |
| Tier 1 risk-based capital ratio | 15.3616% | 2,779 |
| Total risk-based capital ratio | 16.5957% | 2,740 |
| Memoranda: | ||
| Average total assets | $144,668,600 | 4,035 |
| Average earning assets | $134,037,000 | 4,010 |
| Average equity | $13,406,200 | 4,403 |
| Average total loans | $112,102,400 | 3,648 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3767% | 970 |
| Cost of funding earning assets | 2.4587% | 1,416 |
| Net interest margin | 3.9180% | 3,167 |
| Noninterest income to average assets | 0.2562% | 6,402 |
| Noninterest expense to average assets | 2.5441% | 5,919 |
| Loan and lease loss provision to assets | 0.3583% | 4,170 |
| Net operating income to assets | 0.6429% | 3,432 |
| Return on assets (ROA) | 0.6562% | 3,437 |
| Pretax return on assets | 1.0052% | 2,888 |
| Return on Equity (ROE) | 7.0387% | 3,053 |
| Retained earnings to average equity (ytd only) | 6.0431% | 1,925 |
| Net charge-offs to loans | 0.4566% | 3,404 |
| Credit loss provision to net charge-offs | 100.7833% | 5,041 |
| Earnings coverage of net charge-offs (x) | 3.7781% | 3,389 |
| Efficiency ratio | 64.0162% | 5,751 |
| Assets per employee ($millions) | 4.6928% | 2,571 |
| Cash dividends to net income (ytd only)* | 14.1443% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 7,000 |
| Loan loss allowance to noncurrent loans | 111.1639% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 4,560 |
| Noncurrent loans to loans | 0.7535% | 5,801 |
| Net loans and leases to total assets | 76.1672% | 1,967 |
| Net loans and leases to deposits | 90.1682% | 2,544 |
| Net loans and leases to core deposits | 127.5615% | 1,615 |
| Total domestic deposits to total assets | 84.4724% | 3,490 |
| Equity capital to assets | 9.5129% | 4,734 |
| Core capital (leverage) ratio | 9.0785% | 4,531 |
| Tier 1 risk-based capital ratio | 15.7193% | 2,732 |
| Total risk-based capital ratio | 16.8387% | 2,710 |
| Memoranda: | ||
| Average total assets | $143,650,750 | 4,074 |
| Average earning assets | $133,127,250 | 4,053 |
| Average equity | $13,392,250 | 4,435 |
| Average total loans | $111,845,250 | 3,694 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3867% | 1,035 |
| Cost of funding earning assets | 2.5090% | 1,580 |
| Net interest margin | 3.8776% | 3,219 |
| Noninterest income to average assets | 0.2894% | 6,202 |
| Noninterest expense to average assets | 2.6314% | 5,613 |
| Loan and lease loss provision to assets | 0.1049% | 6,116 |
| Net operating income to assets | 0.7396% | 3,093 |
| Return on assets (ROA) | 0.7396% | 3,195 |
| Pretax return on assets | 1.1423% | 2,492 |
| Return on Equity (ROE) | 7.9889% | 2,773 |
| Retained earnings to average equity (ytd only) | 7.9889% | 1,208 |
| Net charge-offs to loans | 0.3343% | 3,503 |
| Credit loss provision to net charge-offs | 40.1070% | 5,901 |
| Earnings coverage of net charge-offs (x) | 4.7701% | 3,009 |
| Efficiency ratio | 66.4023% | 5,477 |
| Assets per employee ($millions) | 4.6929% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 7,350 |
| Loan loss allowance to noncurrent loans | 74.6364% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.5741% | 3,866 |
| Noncurrent loans to loans | 0.9834% | 5,239 |
| Net loans and leases to total assets | 76.3251% | 2,100 |
| Net loans and leases to deposits | 91.4540% | 2,579 |
| Net loans and leases to core deposits | 137.1132% | 1,152 |
| Total domestic deposits to total assets | 83.4574% | 4,035 |
| Equity capital to assets | 9.2653% | 4,923 |
| Core capital (leverage) ratio | 8.9944% | 4,641 |
| Tier 1 risk-based capital ratio | 15.3877% | 2,862 |
| Total risk-based capital ratio | 16.3561% | 2,911 |
| Memoranda: | ||
| Average total assets | $143,042,330 | 4,112 |
| Average earning assets | $132,401,000 | 4,094 |
| Average equity | $13,243,330 | 4,478 |
| Average total loans | $111,880,000 | 3,721 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4044% | 1,054 |
| Cost of funding earning assets | 2.5587% | 1,709 |
| Net interest margin | 3.8457% | 3,266 |
| Noninterest income to average assets | 0.2426% | 6,517 |
| Noninterest expense to average assets | 2.6737% | 5,129 |
| Loan and lease loss provision to assets | 0.0846% | 5,875 |
| Net operating income to assets | 0.6741% | 3,692 |
| Return on assets (ROA) | 0.6741% | 3,874 |
| Pretax return on assets | 1.0492% | 3,176 |
| Return on Equity (ROE) | 7.2835% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.2835% | 2,104 |
| Net charge-offs to loans | 0.2038% | 3,411 |
| Credit loss provision to net charge-offs | 52.6316% | 4,632 |
| Earnings coverage of net charge-offs (x) | 7.0526% | 2,396 |
| Efficiency ratio | 68.7407% | 4,832 |
| Assets per employee ($millions) | 4.5759% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 7,105 |
| Loan loss allowance to noncurrent loans | 569.8113% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.9369% | 4,848 |
| Noncurrent loans to loans | 0.1430% | 7,112 |
| Net loans and leases to total assets | 77.7560% | 1,880 |
| Net loans and leases to deposits | 93.6905% | 2,321 |
| Net loans and leases to core deposits | 139.5408% | 1,122 |
| Total domestic deposits to total assets | 82.9924% | 4,154 |
| Equity capital to assets | 9.2962% | 4,943 |
| Core capital (leverage) ratio | 9.0103% | 4,695 |
| Tier 1 risk-based capital ratio | 15.4258% | 2,884 |
| Total risk-based capital ratio | 16.5231% | 2,889 |
| Memoranda: | ||
| Average total assets | $141,824,000 | 4,154 |
| Average earning assets | $131,472,500 | 4,119 |
| Average equity | $13,125,500 | 4,552 |
| Average total loans | $111,891,000 | 3,744 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4428% | 3,214 |
| Cost of funding earning assets | 2.9623% | 2,020 |
| Net interest margin | 3.4805% | 5,359 |
| Noninterest income to average assets | 0.3443% | 5,983 |
| Noninterest expense to average assets | 2.3885% | 6,436 |
| Loan and lease loss provision to assets | 0.0859% | 6,311 |
| Net operating income to assets | 0.7540% | 3,647 |
| Return on assets (ROA) | 0.7530% | 3,491 |
| Pretax return on assets | 1.1087% | 2,998 |
| Return on Equity (ROE) | 8.0798% | 3,038 |
| Retained earnings to average equity (ytd only) | -1.1367% | 5,637 |
| Net charge-offs to loans | 0.1297% | 4,935 |
| Credit loss provision to net charge-offs | 85.1064% | 5,786 |
| Earnings coverage of net charge-offs (x) | 11.8511% | 2,321 |
| Efficiency ratio | 65.0359% | 5,318 |
| Assets per employee ($millions) | 4.5740% | 2,508 |
| Cash dividends to net income (ytd only)* | 114.0684% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 6,982 |
| Loan loss allowance to noncurrent loans | 126.0811% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 4,237 |
| Noncurrent loans to loans | 0.6573% | 5,391 |
| Net loans and leases to total assets | 78.7361% | 1,952 |
| Net loans and leases to deposits | 97.7498% | 2,160 |
| Net loans and leases to core deposits | 141.1130% | 1,208 |
| Total domestic deposits to total assets | 80.5485% | 4,821 |
| Equity capital to assets | 9.2134% | 5,058 |
| Core capital (leverage) ratio | 8.8389% | 4,986 |
| Tier 1 risk-based capital ratio | 15.0628% | 3,013 |
| Total risk-based capital ratio | 16.1897% | 2,988 |
| Memoranda: | ||
| Average total assets | $139,708,200 | 4,086 |
| Average earning assets | $130,068,000 | 4,039 |
| Average equity | $13,020,200 | 4,570 |
| Average total loans | $108,690,200 | 3,711 |