Home > Panhandle First Bank > Performance and Condition Ratios
Panhandle First Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3083% | 904 |
| Cost of funding earning assets | 2.0757% | 2,033 |
| Net interest margin | 4.2326% | 892 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.6833% | 1,785 |
| Loan and lease loss provision to assets | 0.4000% | 282 |
| Net operating income to assets | 1.2579% | 1,374 |
| Return on assets (ROA) | 1.2579% | 1,382 |
| Pretax return on assets | 1.2579% | 1,849 |
| Return on Equity (ROE) | 9.5500% | 2,285 |
| Retained earnings to average equity (ytd only) | 3.5573% | 2,804 |
| Net charge-offs to loans | 0.0209% | 2,186 |
| Credit loss provision to net charge-offs | 2,426.6667% | 194 |
| Earnings coverage of net charge-offs (x) | 114.1600% | 742 |
| Efficiency ratio | 54.4518% | 3,690 |
| Assets per employee ($millions) | 6.1086% | 2,792 |
| Cash dividends to net income (ytd only)* | 62.7596% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 1,466 |
| Loan loss allowance to noncurrent loans | 85.1796% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.3196% | 464 |
| Noncurrent loans to loans | 1.5864% | 582 |
| Net loans and leases to total assets | 70.3500% | 1,851 |
| Net loans and leases to deposits | 86.4837% | 1,543 |
| Net loans and leases to core deposits | 105.9650% | 1,124 |
| Total domestic deposits to total assets | 81.3400% | 3,347 |
| Equity capital to assets | 14.1262% | 660 |
| Core capital (leverage) ratio | 13.0311% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4942% | 1,157 |
| Memoranda: | ||
| Average total assets | $516,797,800 | 1,732 |
| Average earning assets | $482,494,800 | 1,717 |
| Average equity | $68,057,600 | 1,348 |
| Average total loans | $358,947,400 | 1,654 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9887% | 1,266 |
| Cost of funding earning assets | 1.9944% | 2,231 |
| Net interest margin | 3.9943% | 1,154 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 2.4232% | 2,453 |
| Loan and lease loss provision to assets | 0.4700% | 191 |
| Net operating income to assets | 1.2023% | 1,510 |
| Return on assets (ROA) | 1.2023% | 1,518 |
| Pretax return on assets | 1.2023% | 1,972 |
| Return on Equity (ROE) | 9.3000% | 2,393 |
| Retained earnings to average equity (ytd only) | 4.3576% | 2,709 |
| Net charge-offs to loans | 0.0279% | 1,765 |
| Credit loss provision to net charge-offs | 2,135.1351% | 228 |
| Earnings coverage of net charge-offs (x) | 87.1351% | 865 |
| Efficiency ratio | 52.5041% | 3,835 |
| Assets per employee ($millions) | 6.0590% | 2,821 |
| Cash dividends to net income (ytd only)* | 53.1662% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 1,502 |
| Loan loss allowance to noncurrent loans | 93.2747% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.1694% | 529 |
| Noncurrent loans to loans | 1.4522% | 662 |
| Net loans and leases to total assets | 66.6800% | 2,246 |
| Net loans and leases to deposits | 82.5181% | 1,932 |
| Net loans and leases to core deposits | 102.4275% | 1,334 |
| Total domestic deposits to total assets | 80.8100% | 3,343 |
| Equity capital to assets | 14.6946% | 617 |
| Core capital (leverage) ratio | 13.2560% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0280% | 1,091 |
| Memoranda: | ||
| Average total assets | $513,135,750 | 1,731 |
| Average earning assets | $479,806,250 | 1,722 |
| Average equity | $66,303,750 | 1,367 |
| Average total loans | $353,941,250 | 1,663 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2146% | 2,515 |
| Cost of funding earning assets | 1.7980% | 2,624 |
| Net interest margin | 3.4166% | 2,132 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 2.0377% | 3,472 |
| Loan and lease loss provision to assets | 0.6200% | 131 |
| Net operating income to assets | 0.8573% | 2,426 |
| Return on assets (ROA) | 0.8573% | 2,443 |
| Pretax return on assets | 0.8573% | 2,857 |
| Return on Equity (ROE) | 6.9700% | 3,011 |
| Retained earnings to average equity (ytd only) | 0.8477% | 3,641 |
| Net charge-offs to loans | 0.0472% | 1,321 |
| Credit loss provision to net charge-offs | 1,614.4578% | 280 |
| Earnings coverage of net charge-offs (x) | 45.2048% | 1,182 |
| Efficiency ratio | 53.1643% | 3,819 |
| Assets per employee ($millions) | 6.1108% | 2,704 |
| Cash dividends to net income (ytd only)* | 87.8397% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 1,703 |
| Loan loss allowance to noncurrent loans | 54.4738% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.8519% | 211 |
| Noncurrent loans to loans | 2.4013% | 278 |
| Net loans and leases to total assets | 68.1000% | 2,119 |
| Net loans and leases to deposits | 83.5187% | 1,890 |
| Net loans and leases to core deposits | 99.4373% | 1,516 |
| Total domestic deposits to total assets | 81.5400% | 3,177 |
| Equity capital to assets | 14.2700% | 626 |
| Core capital (leverage) ratio | 12.4658% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3713% | 1,193 |
| Memoranda: | ||
| Average total assets | $506,451,333 | 1,744 |
| Average earning assets | $475,743,000 | 1,727 |
| Average equity | $62,288,333 | 1,420 |
| Average total loans | $351,781,333 | 1,664 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3170% | 729 |
| Cost of funding earning assets | 1.8765% | 2,305 |
| Net interest margin | 4.4405% | 630 |
| Noninterest income to average assets | 0.4600% | 1,966 |
| Noninterest expense to average assets | 2.7678% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.9863% | 453 |
| Return on assets (ROA) | 1.9863% | 461 |
| Pretax return on assets | 1.9863% | 647 |
| Return on Equity (ROE) | 19.3300% | 493 |
| Retained earnings to average equity (ytd only) | 19.3251% | 220 |
| Net charge-offs to loans | -0.0104% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 58.2192% | 3,422 |
| Assets per employee ($millions) | 6.7461% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 600 |
| Loan loss allowance to noncurrent loans | 205.2471% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 1,174 |
| Noncurrent loans to loans | 0.8530% | 1,035 |
| Net loans and leases to total assets | 62.3600% | 2,629 |
| Net loans and leases to deposits | 77.7430% | 2,260 |
| Net loans and leases to core deposits | 88.8797% | 2,113 |
| Total domestic deposits to total assets | 80.2200% | 3,491 |
| Equity capital to assets | 9.9832% | 2,029 |
| Core capital (leverage) ratio | 13.5639% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4976% | 743 |
| Memoranda: | ||
| Average total assets | $233,402,000 | 2,787 |
| Average earning assets | $225,739,000 | 2,734 |
| Average equity | $23,989,500 | 2,659 |
| Average total loans | $153,294,000 | 2,680 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6428% | 994 |
| Cost of funding earning assets | 1.3343% | 2,414 |
| Net interest margin | 4.3084% | 802 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.5029% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1604% | 364 |
| Return on assets (ROA) | 2.1604% | 355 |
| Pretax return on assets | 2.1604% | 519 |
| Return on Equity (ROE) | 22.8800% | 407 |
| Retained earnings to average equity (ytd only) | 13.6232% | 440 |
| Net charge-offs to loans | -0.0332% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.6726% | 3,699 |
| Assets per employee ($millions) | 6.5866% | 2,353 |
| Cash dividends to net income (ytd only)* | 40.4460% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8605% | 479 |
| Loan loss allowance to noncurrent loans | 583.5391% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 2,139 |
| Noncurrent loans to loans | 0.3188% | 2,043 |
| Net loans and leases to total assets | 66.8000% | 2,167 |
| Net loans and leases to deposits | 82.2338% | 1,925 |
| Net loans and leases to core deposits | 93.2666% | 1,824 |
| Total domestic deposits to total assets | 81.2300% | 3,267 |
| Equity capital to assets | 10.5981% | 1,679 |
| Core capital (leverage) ratio | 13.4578% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2616% | 758 |
| Memoranda: | ||
| Average total assets | $226,255,200 | 2,807 |
| Average earning assets | $219,059,400 | 2,747 |
| Average equity | $21,368,000 | 2,744 |
| Average total loans | $141,420,600 | 2,752 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4751% | 1,045 |
| Cost of funding earning assets | 1.2352% | 2,318 |
| Net interest margin | 4.2399% | 873 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.4628% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1319% | 417 |
| Return on assets (ROA) | 2.1319% | 408 |
| Pretax return on assets | 2.1319% | 614 |
| Return on Equity (ROE) | 23.2800% | 475 |
| Retained earnings to average equity (ytd only) | 21.1772% | 224 |
| Net charge-offs to loans | -0.0413% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.6011% | 3,617 |
| Assets per employee ($millions) | 7.0309% | 1,941 |
| Cash dividends to net income (ytd only)* | 9.0157% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0641% | 355 |
| Loan loss allowance to noncurrent loans | 552.0468% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 2,116 |
| Noncurrent loans to loans | 0.3739% | 1,894 |
| Net loans and leases to total assets | 59.7200% | 2,874 |
| Net loans and leases to deposits | 71.4906% | 2,740 |
| Net loans and leases to core deposits | 80.2946% | 2,574 |
| Total domestic deposits to total assets | 83.5400% | 2,892 |
| Equity capital to assets | 9.6058% | 2,039 |
| Core capital (leverage) ratio | 13.4835% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5015% | 662 |
| Memoranda: | ||
| Average total assets | $226,832,750 | 2,813 |
| Average earning assets | $219,876,250 | 2,753 |
| Average equity | $20,776,500 | 2,785 |
| Average total loans | $138,668,250 | 2,792 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 1,099 |
| Cost of funding earning assets | 1.1387% | 2,170 |
| Net interest margin | 4.1463% | 1,010 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.4164% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1016% | 404 |
| Return on assets (ROA) | 2.1016% | 398 |
| Pretax return on assets | 2.1016% | 627 |
| Return on Equity (ROE) | 23.3200% | 468 |
| Retained earnings to average equity (ytd only) | 21.7387% | 193 |
| Net charge-offs to loans | -0.0517% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.4838% | 3,655 |
| Assets per employee ($millions) | 7.3094% | 1,719 |
| Cash dividends to net income (ytd only)* | 6.7782% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0309% | 395 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 1,956 |
| Noncurrent loans to loans | 0.4062% | 1,712 |
| Net loans and leases to total assets | 60.1400% | 2,758 |
| Net loans and leases to deposits | 72.1552% | 2,639 |
| Net loans and leases to core deposits | 80.7160% | 2,425 |
| Total domestic deposits to total assets | 83.3500% | 2,973 |
| Equity capital to assets | 9.4510% | 2,183 |
| Core capital (leverage) ratio | 12.8786% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8452% | 734 |
| Memoranda: | ||
| Average total assets | $227,447,333 | 2,822 |
| Average earning assets | $220,772,667 | 2,758 |
| Average equity | $20,498,000 | 2,818 |
| Average total loans | $139,156,000 | 2,780 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0243% | 1,185 |
| Cost of funding earning assets | 1.0428% | 1,900 |
| Net interest margin | 3.9815% | 1,296 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.3627% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0239% | 472 |
| Return on assets (ROA) | 2.0239% | 466 |
| Pretax return on assets | 2.0239% | 743 |
| Return on Equity (ROE) | 23.0100% | 507 |
| Retained earnings to average equity (ytd only) | 19.7809% | 392 |
| Net charge-offs to loans | -0.0862% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.8615% | 3,613 |
| Assets per employee ($millions) | 7.6348% | 1,541 |
| Cash dividends to net income (ytd only)* | 14.0503% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0182% | 421 |
| Loan loss allowance to noncurrent loans | 462.1311% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 1,845 |
| Noncurrent loans to loans | 0.4367% | 1,625 |
| Net loans and leases to total assets | 57.8200% | 2,886 |
| Net loans and leases to deposits | 67.5005% | 2,812 |
| Net loans and leases to core deposits | 75.1529% | 2,589 |
| Total domestic deposits to total assets | 85.6700% | 2,686 |
| Equity capital to assets | 8.7013% | 2,737 |
| Core capital (leverage) ratio | 12.4399% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9970% | 844 |
| Memoranda: | ||
| Average total assets | $227,876,000 | 2,849 |
| Average earning assets | $221,323,500 | 2,789 |
| Average equity | $20,039,500 | 2,890 |
| Average total loans | $139,183,500 | 2,807 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 1,206 |
| Cost of funding earning assets | 0.4929% | 1,444 |
| Net interest margin | 3.7286% | 1,309 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.2219% | 2,970 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.8331% | 407 |
| Return on assets (ROA) | 1.8331% | 391 |
| Pretax return on assets | 1.8331% | 675 |
| Return on Equity (ROE) | 20.1600% | 464 |
| Retained earnings to average equity (ytd only) | 16.7685% | 187 |
| Net charge-offs to loans | -0.0573% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.7420% | 3,814 |
| Assets per employee ($millions) | 7.0669% | 1,922 |
| Cash dividends to net income (ytd only)* | 16.8310% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0110% | 423 |
| Loan loss allowance to noncurrent loans | 432.4031% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 1,679 |
| Noncurrent loans to loans | 0.4651% | 1,543 |
| Net loans and leases to total assets | 62.0300% | 2,437 |
| Net loans and leases to deposits | 73.7166% | 2,277 |
| Net loans and leases to core deposits | 81.1907% | 2,057 |
| Total domestic deposits to total assets | 84.1500% | 3,170 |
| Equity capital to assets | 8.8943% | 2,421 |
| Core capital (leverage) ratio | 12.3543% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6526% | 875 |
| Memoranda: | ||
| Average total assets | $226,877,400 | 2,861 |
| Average earning assets | $220,938,000 | 2,795 |
| Average equity | $20,628,000 | 2,893 |
| Average total loans | $137,770,800 | 2,753 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0361% | 1,194 |
| Cost of funding earning assets | 0.4053% | 1,249 |
| Net interest margin | 3.6308% | 1,314 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.1547% | 3,056 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.7864% | 442 |
| Return on assets (ROA) | 1.7864% | 431 |
| Pretax return on assets | 1.7864% | 756 |
| Return on Equity (ROE) | 19.5500% | 474 |
| Retained earnings to average equity (ytd only) | 19.5465% | 117 |
| Net charge-offs to loans | -0.0717% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.2546% | 3,889 |
| Assets per employee ($millions) | 7.5518% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 511 |
| Loan loss allowance to noncurrent loans | 421.1800% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 1,785 |
| Noncurrent loans to loans | 0.4732% | 1,616 |
| Net loans and leases to total assets | 60.4200% | 2,455 |
| Net loans and leases to deposits | 69.8183% | 2,378 |
| Net loans and leases to core deposits | 75.9764% | 2,193 |
| Total domestic deposits to total assets | 86.5400% | 2,905 |
| Equity capital to assets | 7.9460% | 2,930 |
| Core capital (leverage) ratio | 11.7060% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0714% | 976 |
| Memoranda: | ||
| Average total assets | $228,828,250 | 2,871 |
| Average earning assets | $223,049,250 | 2,805 |
| Average equity | $20,913,750 | 2,908 |
| Average total loans | $137,541,000 | 2,759 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7914% | 1,332 |
| Cost of funding earning assets | 0.3618% | 1,182 |
| Net interest margin | 3.4296% | 1,517 |
| Noninterest income to average assets | 0.5044% | 2,176 |
| Noninterest expense to average assets | 2.1482% | 3,007 |
| Loan and lease loss provision to assets | 0.1568% | 600 |
| Net operating income to assets | 1.5436% | 629 |
| Return on assets (ROA) | 1.5436% | 613 |
| Pretax return on assets | 1.5436% | 1,060 |
| Return on Equity (ROE) | 16.1942% | 670 |
| Retained earnings to average equity (ytd only) | 16.1942% | 181 |
| Net charge-offs to loans | -0.1052% | 4,456 |
| Credit loss provision to net charge-offs | -250.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8171% | 3,796 |
| Assets per employee ($millions) | 7.8340% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9565% | 602 |
| Loan loss allowance to noncurrent loans | 176.5228% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 814 |
| Noncurrent loans to loans | 1.1083% | 744 |
| Net loans and leases to total assets | 59.3190% | 2,405 |
| Net loans and leases to deposits | 68.9609% | 2,307 |
| Net loans and leases to core deposits | 74.9712% | 2,097 |
| Total domestic deposits to total assets | 86.0183% | 3,239 |
| Equity capital to assets | 7.6551% | 3,372 |
| Core capital (leverage) ratio | 11.1703% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3243% | 1,115 |
| Memoranda: | ||
| Average total assets | $229,586,000 | 2,891 |
| Average earning assets | $223,875,667 | 2,829 |
| Average equity | $21,884,333 | 2,908 |
| Average total loans | $136,829,333 | 2,777 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 1,199 |
| Cost of funding earning assets | 0.3449% | 1,247 |
| Net interest margin | 3.3928% | 1,314 |
| Noninterest income to average assets | 0.4919% | 2,186 |
| Noninterest expense to average assets | 2.1845% | 2,885 |
| Loan and lease loss provision to assets | 0.1587% | 488 |
| Net operating income to assets | 1.4616% | 691 |
| Return on assets (ROA) | 1.4616% | 687 |
| Pretax return on assets | 1.4616% | 1,099 |
| Return on Equity (ROE) | 13.9146% | 851 |
| Retained earnings to average equity (ytd only) | 13.9146% | 385 |
| Net charge-offs to loans | -0.1968% | 4,599 |
| Credit loss provision to net charge-offs | -136.3636% | 2,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4143% | 3,745 |
| Assets per employee ($millions) | 7.7740% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 632 |
| Loan loss allowance to noncurrent loans | 170.1077% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 902 |
| Noncurrent loans to loans | 1.1671% | 756 |
| Net loans and leases to total assets | 55.0252% | 2,632 |
| Net loans and leases to deposits | 67.4707% | 2,202 |
| Net loans and leases to core deposits | 73.8174% | 1,956 |
| Total domestic deposits to total assets | 81.5542% | 4,142 |
| Equity capital to assets | 9.1662% | 2,559 |
| Core capital (leverage) ratio | 11.3737% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4984% | 1,145 |
| Memoranda: | ||
| Average total assets | $226,868,500 | 2,919 |
| Average earning assets | $221,526,000 | 2,857 |
| Average equity | $23,831,000 | 2,847 |
| Average total loans | $134,147,000 | 2,807 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 1,109 |
| Cost of funding earning assets | 0.3918% | 1,603 |
| Net interest margin | 3.7395% | 1,122 |
| Noninterest income to average assets | 0.5393% | 2,401 |
| Noninterest expense to average assets | 2.2858% | 2,834 |
| Loan and lease loss provision to assets | 0.1858% | 603 |
| Net operating income to assets | 1.7028% | 627 |
| Return on assets (ROA) | 1.9560% | 393 |
| Pretax return on assets | 1.9560% | 660 |
| Return on Equity (ROE) | 16.3675% | 698 |
| Retained earnings to average equity (ytd only) | 9.2313% | 1,124 |
| Net charge-offs to loans | -0.0143% | 3,854 |
| Credit loss provision to net charge-offs | -2,222.2222% | 4,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7569% | 3,848 |
| Assets per employee ($millions) | 6.6483% | 2,201 |
| Cash dividends to net income (ytd only)* | 43.6001% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 727 |
| Loan loss allowance to noncurrent loans | 164.1791% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7243% | 866 |
| Noncurrent loans to loans | 1.1586% | 832 |
| Net loans and leases to total assets | 61.3277% | 2,029 |
| Net loans and leases to deposits | 76.6066% | 1,520 |
| Net loans and leases to core deposits | 85.5744% | 1,229 |
| Total domestic deposits to total assets | 80.0554% | 4,214 |
| Equity capital to assets | 12.0201% | 1,243 |
| Core capital (leverage) ratio | 11.4563% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2709% | 1,197 |
| Memoranda: | ||
| Average total assets | $215,287,200 | 2,947 |
| Average earning assets | $209,281,400 | 2,879 |
| Average equity | $25,727,800 | 2,798 |
| Average total loans | $126,127,400 | 2,898 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 1,168 |
| Cost of funding earning assets | 0.3986% | 1,703 |
| Net interest margin | 3.7613% | 1,203 |
| Noninterest income to average assets | 0.5088% | 2,583 |
| Noninterest expense to average assets | 2.2341% | 2,951 |
| Loan and lease loss provision to assets | 0.1667% | 649 |
| Net operating income to assets | 1.7611% | 731 |
| Return on assets (ROA) | 1.7611% | 760 |
| Pretax return on assets | 1.7611% | 1,255 |
| Return on Equity (ROE) | 14.7577% | 1,187 |
| Retained earnings to average equity (ytd only) | 12.3981% | 750 |
| Net charge-offs to loans | -0.0171% | 3,904 |
| Credit loss provision to net charge-offs | -1,687.5000% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6795% | 3,845 |
| Assets per employee ($millions) | 7.0914% | 1,805 |
| Cash dividends to net income (ytd only)* | 15.9888% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9295% | 733 |
| Loan loss allowance to noncurrent loans | 134.8706% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 918 |
| Noncurrent loans to loans | 1.4306% | 743 |
| Net loans and leases to total assets | 53.7114% | 3,006 |
| Net loans and leases to deposits | 67.5819% | 2,476 |
| Net loans and leases to core deposits | 74.3785% | 2,198 |
| Total domestic deposits to total assets | 79.4759% | 4,302 |
| Equity capital to assets | 11.8692% | 1,460 |
| Core capital (leverage) ratio | 11.2581% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6619% | 1,016 |
| Memoranda: | ||
| Average total assets | $215,923,000 | 2,970 |
| Average earning assets | $209,708,250 | 2,903 |
| Average equity | $25,766,750 | 2,832 |
| Average total loans | $124,409,000 | 2,949 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 1,263 |
| Cost of funding earning assets | 0.4056% | 1,839 |
| Net interest margin | 3.7432% | 1,234 |
| Noninterest income to average assets | 0.4919% | 2,654 |
| Noninterest expense to average assets | 2.2906% | 2,796 |
| Loan and lease loss provision to assets | 0.1696% | 684 |
| Net operating income to assets | 1.6669% | 925 |
| Return on assets (ROA) | 1.6669% | 977 |
| Pretax return on assets | 1.6669% | 1,571 |
| Return on Equity (ROE) | 13.9414% | 1,427 |
| Retained earnings to average equity (ytd only) | 11.5456% | 1,004 |
| Net charge-offs to loans | -0.0129% | 3,785 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5023% | 3,602 |
| Assets per employee ($millions) | 7.2936% | 1,597 |
| Cash dividends to net income (ytd only)* | 17.1849% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 850 |
| Loan loss allowance to noncurrent loans | 118.5567% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 908 |
| Noncurrent loans to loans | 1.5401% | 731 |
| Net loans and leases to total assets | 54.6930% | 3,050 |
| Net loans and leases to deposits | 70.5958% | 2,350 |
| Net loans and leases to core deposits | 77.4102% | 2,101 |
| Total domestic deposits to total assets | 77.4734% | 4,483 |
| Equity capital to assets | 11.4992% | 1,629 |
| Core capital (leverage) ratio | 11.1917% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0167% | 1,118 |
| Memoranda: | ||
| Average total assets | $212,256,000 | 2,999 |
| Average earning assets | $206,136,000 | 2,932 |
| Average equity | $25,377,667 | 2,852 |
| Average total loans | $124,451,333 | 2,966 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 1,393 |
| Cost of funding earning assets | 0.4136% | 1,985 |
| Net interest margin | 3.6825% | 1,372 |
| Noninterest income to average assets | 0.4909% | 2,650 |
| Noninterest expense to average assets | 2.3649% | 2,609 |
| Loan and lease loss provision to assets | 0.1753% | 708 |
| Net operating income to assets | 1.5234% | 1,276 |
| Return on assets (ROA) | 1.5234% | 1,340 |
| Pretax return on assets | 1.5234% | 1,935 |
| Return on Equity (ROE) | 12.4788% | 1,843 |
| Retained earnings to average equity (ytd only) | 10.0533% | 1,635 |
| Net charge-offs to loans | -0.0194% | 3,980 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1975% | 3,273 |
| Assets per employee ($millions) | 7.4512% | 1,481 |
| Cash dividends to net income (ytd only)* | 19.4373% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7991% | 873 |
| Loan loss allowance to noncurrent loans | 104.0528% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 844 |
| Noncurrent loans to loans | 1.7291% | 693 |
| Net loans and leases to total assets | 55.7732% | 3,070 |
| Net loans and leases to deposits | 69.8156% | 2,524 |
| Net loans and leases to core deposits | 75.2451% | 2,409 |
| Total domestic deposits to total assets | 79.8865% | 4,219 |
| Equity capital to assets | 11.5062% | 1,541 |
| Core capital (leverage) ratio | 11.4074% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8972% | 1,090 |
| Memoranda: | ||
| Average total assets | $205,333,000 | 3,041 |
| Average earning assets | $199,214,000 | 2,982 |
| Average equity | $25,066,500 | 2,869 |
| Average total loans | $123,696,000 | 2,977 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4125% | 1,551 |
| Cost of funding earning assets | 0.6575% | 1,946 |
| Net interest margin | 3.7550% | 1,630 |
| Noninterest income to average assets | 0.5477% | 2,431 |
| Noninterest expense to average assets | 2.3334% | 3,315 |
| Loan and lease loss provision to assets | 0.2468% | 1,564 |
| Net operating income to assets | 1.6007% | 639 |
| Return on assets (ROA) | 1.6334% | 642 |
| Pretax return on assets | 1.6334% | 996 |
| Return on Equity (ROE) | 12.9395% | 1,058 |
| Retained earnings to average equity (ytd only) | 7.3897% | 1,243 |
| Net charge-offs to loans | 0.0077% | 3,060 |
| Credit loss provision to net charge-offs | 5,111.1111% | 204 |
| Earnings coverage of net charge-offs (x) | 382.6667% | 286 |
| Efficiency ratio | 55.8122% | 4,008 |
| Assets per employee ($millions) | 6.7097% | 1,777 |
| Cash dividends to net income (ytd only)* | 42.8900% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 1,050 |
| Loan loss allowance to noncurrent loans | 96.5706% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 806 |
| Noncurrent loans to loans | 1.7543% | 715 |
| Net loans and leases to total assets | 62.9837% | 2,490 |
| Net loans and leases to deposits | 80.3207% | 1,829 |
| Net loans and leases to core deposits | 87.0499% | 1,791 |
| Total domestic deposits to total assets | 78.4153% | 4,273 |
| Equity capital to assets | 12.9868% | 1,090 |
| Core capital (leverage) ratio | 11.7015% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1374% | 1,481 |
| Memoranda: | ||
| Average total assets | $186,421,600 | 3,047 |
| Average earning assets | $180,374,000 | 2,997 |
| Average equity | $23,532,600 | 2,903 |
| Average total loans | $117,432,600 | 3,008 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4154% | 1,816 |
| Cost of funding earning assets | 0.7014% | 2,017 |
| Net interest margin | 3.7140% | 1,899 |
| Noninterest income to average assets | 0.5648% | 2,328 |
| Noninterest expense to average assets | 2.4290% | 3,056 |
| Loan and lease loss provision to assets | 0.1952% | 2,023 |
| Net operating income to assets | 1.5323% | 844 |
| Return on assets (ROA) | 1.5764% | 843 |
| Pretax return on assets | 1.5764% | 1,255 |
| Return on Equity (ROE) | 12.5836% | 1,226 |
| Retained earnings to average equity (ytd only) | 9.9514% | 769 |
| Net charge-offs to loans | -0.0669% | 4,749 |
| Credit loss provision to net charge-offs | -465.5172% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4377% | 3,606 |
| Assets per employee ($millions) | 7.0206% | 1,488 |
| Cash dividends to net income (ytd only)* | 20.9174% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 973 |
| Loan loss allowance to noncurrent loans | 128.8212% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 1,473 |
| Noncurrent loans to loans | 1.2864% | 1,156 |
| Net loans and leases to total assets | 60.0470% | 3,224 |
| Net loans and leases to deposits | 76.9423% | 2,660 |
| Net loans and leases to core deposits | 83.9513% | 2,480 |
| Total domestic deposits to total assets | 78.0416% | 4,195 |
| Equity capital to assets | 12.7493% | 1,307 |
| Core capital (leverage) ratio | 11.7774% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8800% | 1,282 |
| Memoranda: | ||
| Average total assets | $184,381,500 | 3,056 |
| Average earning assets | $178,310,750 | 2,999 |
| Average equity | $23,098,250 | 2,929 |
| Average total loans | $115,624,000 | 3,032 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 1,685 |
| Cost of funding earning assets | 0.7678% | 2,007 |
| Net interest margin | 3.8147% | 1,797 |
| Noninterest income to average assets | 0.5668% | 2,269 |
| Noninterest expense to average assets | 2.4901% | 2,990 |
| Loan and lease loss provision to assets | 0.1996% | 2,052 |
| Net operating income to assets | 1.5639% | 821 |
| Return on assets (ROA) | 1.6305% | 781 |
| Pretax return on assets | 1.6305% | 1,156 |
| Return on Equity (ROE) | 13.0995% | 1,077 |
| Retained earnings to average equity (ytd only) | 10.3905% | 712 |
| Net charge-offs to loans | -0.0964% | 4,834 |
| Credit loss provision to net charge-offs | -327.2727% | 3,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5398% | 3,625 |
| Assets per employee ($millions) | 6.6587% | 1,672 |
| Cash dividends to net income (ytd only)* | 20.6803% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 1,003 |
| Loan loss allowance to noncurrent loans | 348.9871% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 3,198 |
| Noncurrent loans to loans | 0.4591% | 2,770 |
| Net loans and leases to total assets | 60.2664% | 3,295 |
| Net loans and leases to deposits | 76.0944% | 2,848 |
| Net loans and leases to core deposits | 83.5613% | 2,649 |
| Total domestic deposits to total assets | 79.1995% | 4,002 |
| Equity capital to assets | 12.6297% | 1,325 |
| Core capital (leverage) ratio | 11.8637% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8580% | 1,283 |
| Memoranda: | ||
| Average total assets | $180,316,667 | 3,074 |
| Average earning assets | $174,273,667 | 3,010 |
| Average equity | $22,443,667 | 2,967 |
| Average total loans | $114,156,333 | 3,044 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 1,478 |
| Cost of funding earning assets | 0.8674% | 2,025 |
| Net interest margin | 3.9104% | 1,644 |
| Noninterest income to average assets | 0.5635% | 2,213 |
| Noninterest expense to average assets | 2.5896% | 3,007 |
| Loan and lease loss provision to assets | 0.2070% | 1,480 |
| Net operating income to assets | 1.5409% | 711 |
| Return on assets (ROA) | 1.6812% | 586 |
| Pretax return on assets | 1.6812% | 886 |
| Return on Equity (ROE) | 13.6181% | 774 |
| Retained earnings to average equity (ytd only) | 10.7864% | 601 |
| Net charge-offs to loans | -0.0464% | 4,612 |
| Credit loss provision to net charge-offs | -692.3077% | 3,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7031% | 3,780 |
| Assets per employee ($millions) | 6.1399% | 1,570 |
| Cash dividends to net income (ytd only)* | 20.7934% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 1,053 |
| Loan loss allowance to noncurrent loans | 298.9831% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,118 |
| Noncurrent loans to loans | 0.5366% | 2,655 |
| Net loans and leases to total assets | 60.7640% | 3,424 |
| Net loans and leases to deposits | 76.2407% | 3,048 |
| Net loans and leases to core deposits | 85.0849% | 2,751 |
| Total domestic deposits to total assets | 79.7002% | 3,914 |
| Equity capital to assets | 11.7289% | 2,261 |
| Core capital (leverage) ratio | 12.5178% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9412% | 1,362 |
| Memoranda: | ||
| Average total assets | $173,924,500 | 3,096 |
| Average earning assets | $167,860,000 | 3,036 |
| Average equity | $21,471,500 | 3,029 |
| Average total loans | $112,099,500 | 3,053 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0034% | 1,470 |
| Cost of funding earning assets | 0.9939% | 1,749 |
| Net interest margin | 4.0095% | 1,826 |
| Noninterest income to average assets | 0.6053% | 2,192 |
| Noninterest expense to average assets | 2.6421% | 3,054 |
| Loan and lease loss provision to assets | 0.2184% | 894 |
| Net operating income to assets | 1.5964% | 845 |
| Return on assets (ROA) | 1.6880% | 724 |
| Pretax return on assets | 1.6880% | 1,221 |
| Return on Equity (ROE) | 13.2729% | 1,088 |
| Retained earnings to average equity (ytd only) | 6.5959% | 1,566 |
| Net charge-offs to loans | 0.1156% | 1,582 |
| Credit loss provision to net charge-offs | 288.0000% | 974 |
| Earnings coverage of net charge-offs (x) | 23.9360% | 1,794 |
| Efficiency ratio | 59.2814% | 3,801 |
| Assets per employee ($millions) | 5.8549% | 1,752 |
| Cash dividends to net income (ytd only)* | 50.3054% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 1,353 |
| Loan loss allowance to noncurrent loans | 184.3507% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5306% | 2,301 |
| Noncurrent loans to loans | 0.7887% | 1,931 |
| Net loans and leases to total assets | 66.3043% | 2,915 |
| Net loans and leases to deposits | 84.5443% | 2,276 |
| Net loans and leases to core deposits | 99.6830% | 1,590 |
| Total domestic deposits to total assets | 78.4255% | 4,291 |
| Equity capital to assets | 12.9917% | 1,525 |
| Core capital (leverage) ratio | 12.5209% | 1,482 |
| Tier 1 risk-based capital ratio | 16.2369% | 2,319 |
| Total risk-based capital ratio | 17.4875% | 2,263 |
| Memoranda: | ||
| Average total assets | $164,868,600 | 3,155 |
| Average earning assets | $158,372,000 | 3,100 |
| Average equity | $20,967,600 | 3,043 |
| Average total loans | $108,142,200 | 3,114 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 1,609 |
| Cost of funding earning assets | 1.0089% | 1,724 |
| Net interest margin | 3.9667% | 2,054 |
| Noninterest income to average assets | 0.6160% | 2,125 |
| Noninterest expense to average assets | 2.6684% | 2,952 |
| Loan and lease loss provision to assets | 0.2200% | 779 |
| Net operating income to assets | 1.5367% | 1,101 |
| Return on assets (ROA) | 1.6597% | 854 |
| Pretax return on assets | 1.6597% | 1,442 |
| Return on Equity (ROE) | 13.1238% | 1,229 |
| Retained earnings to average equity (ytd only) | 9.7607% | 811 |
| Net charge-offs to loans | 0.1488% | 1,095 |
| Credit loss provision to net charge-offs | 226.8908% | 1,185 |
| Earnings coverage of net charge-offs (x) | 18.1179% | 2,066 |
| Efficiency ratio | 60.3020% | 3,583 |
| Assets per employee ($millions) | 5.6525% | 1,885 |
| Cash dividends to net income (ytd only)* | 25.6258% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,594 |
| Loan loss allowance to noncurrent loans | 145.0782% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 2,029 |
| Noncurrent loans to loans | 0.9625% | 1,671 |
| Net loans and leases to total assets | 67.9349% | 2,796 |
| Net loans and leases to deposits | 88.7190% | 1,838 |
| Net loans and leases to core deposits | 102.4914% | 1,457 |
| Total domestic deposits to total assets | 76.5731% | 4,579 |
| Equity capital to assets | 13.5356% | 1,344 |
| Core capital (leverage) ratio | 12.9855% | 1,350 |
| Tier 1 risk-based capital ratio | 16.4854% | 2,275 |
| Total risk-based capital ratio | 17.7266% | 2,213 |
| Memoranda: | ||
| Average total assets | $163,637,500 | 3,201 |
| Average earning assets | $157,138,250 | 3,143 |
| Average equity | $20,694,750 | 3,091 |
| Average total loans | $106,617,500 | 3,170 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 1,829 |
| Cost of funding earning assets | 1.0098% | 1,650 |
| Net interest margin | 3.8672% | 2,351 |
| Noninterest income to average assets | 0.5454% | 2,413 |
| Noninterest expense to average assets | 2.6709% | 3,002 |
| Loan and lease loss provision to assets | 0.2201% | 754 |
| Net operating income to assets | 1.3685% | 1,521 |
| Return on assets (ROA) | 1.5531% | 1,047 |
| Pretax return on assets | 1.5531% | 1,687 |
| Return on Equity (ROE) | 12.5761% | 1,379 |
| Retained earnings to average equity (ytd only) | 9.0112% | 1,025 |
| Net charge-offs to loans | 0.1301% | 1,157 |
| Credit loss provision to net charge-offs | 264.7059% | 977 |
| Earnings coverage of net charge-offs (x) | 19.1029% | 1,831 |
| Efficiency ratio | 62.7046% | 3,330 |
| Assets per employee ($millions) | 5.7697% | 1,722 |
| Cash dividends to net income (ytd only)* | 28.3465% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,519 |
| Loan loss allowance to noncurrent loans | 111.9360% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 1,659 |
| Noncurrent loans to loans | 1.2705% | 1,246 |
| Net loans and leases to total assets | 65.9911% | 3,109 |
| Net loans and leases to deposits | 83.0872% | 2,596 |
| Net loans and leases to core deposits | 100.2190% | 1,702 |
| Total domestic deposits to total assets | 79.4240% | 4,143 |
| Equity capital to assets | 13.1314% | 1,527 |
| Core capital (leverage) ratio | 12.5114% | 1,531 |
| Tier 1 risk-based capital ratio | 16.5095% | 2,230 |
| Total risk-based capital ratio | 17.7578% | 2,183 |
| Memoranda: | ||
| Average total assets | $163,542,330 | 3,217 |
| Average earning assets | $157,063,670 | 3,158 |
| Average equity | $20,197,000 | 3,132 |
| Average total loans | $104,510,670 | 3,217 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8351% | 1,804 |
| Cost of funding earning assets | 0.9792% | 1,656 |
| Net interest margin | 3.8559% | 2,323 |
| Noninterest income to average assets | 0.5300% | 2,383 |
| Noninterest expense to average assets | 2.6061% | 3,202 |
| Loan and lease loss provision to assets | 0.2188% | 714 |
| Net operating income to assets | 1.4003% | 1,379 |
| Return on assets (ROA) | 1.4003% | 1,411 |
| Pretax return on assets | 1.4003% | 2,082 |
| Return on Equity (ROE) | 11.7023% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.7023% | 670 |
| Net charge-offs to loans | 0.2259% | 630 |
| Credit loss provision to net charge-offs | 155.1724% | 1,213 |
| Earnings coverage of net charge-offs (x) | 11.4828% | 1,906 |
| Efficiency ratio | 61.6801% | 3,583 |
| Assets per employee ($millions) | 5.6585% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 1,646 |
| Loan loss allowance to noncurrent loans | 148.6239% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 2,095 |
| Noncurrent loans to loans | 0.9483% | 1,765 |
| Net loans and leases to total assets | 62.1502% | 3,489 |
| Net loans and leases to deposits | 78.3218% | 3,028 |
| Net loans and leases to core deposits | 96.0284% | 1,927 |
| Total domestic deposits to total assets | 79.3523% | 4,288 |
| Equity capital to assets | 12.3483% | 1,820 |
| Core capital (leverage) ratio | 12.3974% | 1,559 |
| Tier 1 risk-based capital ratio | 15.9426% | 2,462 |
| Total risk-based capital ratio | 17.1044% | 2,440 |
| Memoranda: | ||
| Average total assets | $164,537,500 | 3,243 |
| Average earning assets | $157,679,500 | 3,186 |
| Average equity | $19,688,500 | 3,188 |
| Average total loans | $102,692,000 | 3,276 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9348% | 1,193 |
| Cost of funding earning assets | 0.7465% | 1,809 |
| Net interest margin | 4.1883% | 1,420 |
| Noninterest income to average assets | 0.6195% | 2,194 |
| Noninterest expense to average assets | 2.7919% | 2,721 |
| Loan and lease loss provision to assets | 0.1942% | 976 |
| Net operating income to assets | 1.6539% | 767 |
| Return on assets (ROA) | 1.5024% | 1,099 |
| Pretax return on assets | 1.5024% | 1,776 |
| Return on Equity (ROE) | 12.5181% | 1,541 |
| Retained earnings to average equity (ytd only) | 5.6685% | 2,374 |
| Net charge-offs to loans | 0.2283% | 855 |
| Credit loss provision to net charge-offs | 132.1586% | 2,005 |
| Earnings coverage of net charge-offs (x) | 12.5771% | 2,519 |
| Efficiency ratio | 60.1702% | 3,829 |
| Assets per employee ($millions) | 5.8921% | 1,599 |
| Cash dividends to net income (ytd only)* | 54.7178% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,643 |
| Loan loss allowance to noncurrent loans | 591.7012% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 3,741 |
| Noncurrent loans to loans | 0.2364% | 3,734 |
| Net loans and leases to total assets | 60.9253% | 3,673 |
| Net loans and leases to deposits | 80.2238% | 2,929 |
| Net loans and leases to core deposits | 94.8926% | 2,152 |
| Total domestic deposits to total assets | 75.9442% | 4,759 |
| Equity capital to assets | 11.5857% | 2,189 |
| Core capital (leverage) ratio | 12.0887% | 1,677 |
| Tier 1 risk-based capital ratio | 15.7691% | 2,503 |
| Total risk-based capital ratio | 16.9264% | 2,471 |
| Memoranda: | ||
| Average total assets | $154,484,000 | 3,340 |
| Average earning assets | $148,294,000 | 3,267 |
| Average equity | $18,541,200 | 3,238 |
| Average total loans | $99,440,000 | 3,301 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 1,276 |
| Cost of funding earning assets | 0.6972% | 1,858 |
| Net interest margin | 4.1630% | 1,458 |
| Noninterest income to average assets | 0.5979% | 2,320 |
| Noninterest expense to average assets | 2.9781% | 2,080 |
| Loan and lease loss provision to assets | 0.1054% | 1,908 |
| Net operating income to assets | 1.5145% | 1,161 |
| Return on assets (ROA) | 1.3091% | 1,825 |
| Pretax return on assets | 1.3091% | 2,588 |
| Return on Equity (ROE) | 10.8053% | 2,256 |
| Retained earnings to average equity (ytd only) | 5.9135% | 2,698 |
| Net charge-offs to loans | 0.3144% | 532 |
| Credit loss provision to net charge-offs | 51.5021% | 2,817 |
| Earnings coverage of net charge-offs (x) | 7.9184% | 2,761 |
| Efficiency ratio | 64.7699% | 3,059 |
| Assets per employee ($millions) | 5.8530% | 1,606 |
| Cash dividends to net income (ytd only)* | 45.2718% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,850 |
| Loan loss allowance to noncurrent loans | 488.1890% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,153 |
| Noncurrent loans to loans | 0.2374% | 3,848 |
| Net loans and leases to total assets | 66.9225% | 3,079 |
| Net loans and leases to deposits | 87.7100% | 2,186 |
| Net loans and leases to core deposits | 105.3439% | 1,353 |
| Total domestic deposits to total assets | 76.2997% | 4,755 |
| Equity capital to assets | 11.6711% | 2,129 |
| Core capital (leverage) ratio | 12.4148% | 1,546 |
| Tier 1 risk-based capital ratio | 15.7584% | 2,545 |
| Total risk-based capital ratio | 16.7764% | 2,573 |
| Memoranda: | ||
| Average total assets | $151,860,250 | 3,397 |
| Average earning assets | $145,918,000 | 3,335 |
| Average equity | $18,398,000 | 3,270 |
| Average total loans | $98,815,000 | 3,345 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 1,404 |
| Cost of funding earning assets | 0.6467% | 1,942 |
| Net interest margin | 4.0943% | 1,580 |
| Noninterest income to average assets | 0.5941% | 2,350 |
| Noninterest expense to average assets | 2.9626% | 2,160 |
| Loan and lease loss provision to assets | 0.1068% | 1,834 |
| Net operating income to assets | 1.4552% | 1,265 |
| Return on assets (ROA) | 1.1428% | 2,429 |
| Pretax return on assets | 1.1428% | 3,160 |
| Return on Equity (ROE) | 9.3131% | 2,887 |
| Retained earnings to average equity (ytd only) | 4.1452% | 3,539 |
| Net charge-offs to loans | -0.0021% | 3,951 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4765% | 3,066 |
| Assets per employee ($millions) | 5.6557% | 1,755 |
| Cash dividends to net income (ytd only)* | 55.4907% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 1,719 |
| Loan loss allowance to noncurrent loans | 456.6879% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 3,978 |
| Noncurrent loans to loans | 0.3086% | 3,604 |
| Net loans and leases to total assets | 65.6948% | 3,191 |
| Net loans and leases to deposits | 82.3453% | 2,733 |
| Net loans and leases to core deposits | 93.7113% | 2,247 |
| Total domestic deposits to total assets | 79.7797% | 4,287 |
| Equity capital to assets | 12.0587% | 1,817 |
| Core capital (leverage) ratio | 12.2307% | 1,584 |
| Tier 1 risk-based capital ratio | 15.9699% | 2,449 |
| Total risk-based capital ratio | 17.1906% | 2,395 |
| Memoranda: | ||
| Average total assets | $149,803,000 | 3,440 |
| Average earning assets | $143,810,330 | 3,372 |
| Average equity | $18,382,670 | 3,289 |
| Average total loans | $96,087,000 | 3,411 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,399 |
| Cost of funding earning assets | 0.6246% | 1,884 |
| Net interest margin | 4.0401% | 1,593 |
| Noninterest income to average assets | 0.5716% | 2,414 |
| Noninterest expense to average assets | 3.0441% | 1,958 |
| Loan and lease loss provision to assets | 0.0809% | 2,169 |
| Net operating income to assets | 1.3185% | 1,581 |
| Return on assets (ROA) | 1.3185% | 1,587 |
| Pretax return on assets | 1.3185% | 2,294 |
| Return on Equity (ROE) | 10.6495% | 2,107 |
| Retained earnings to average equity (ytd only) | 6.2939% | 2,588 |
| Net charge-offs to loans | 0.0043% | 2,584 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 519.0000% | 123 |
| Efficiency ratio | 68.5073% | 2,748 |
| Assets per employee ($millions) | 5.6564% | 1,797 |
| Cash dividends to net income (ytd only)* | 40.8998% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 1,518 |
| Loan loss allowance to noncurrent loans | 177.6350% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 2,823 |
| Noncurrent loans to loans | 0.8356% | 2,151 |
| Net loans and leases to total assets | 60.0617% | 3,745 |
| Net loans and leases to deposits | 76.5970% | 3,150 |
| Net loans and leases to core deposits | 88.1839% | 2,617 |
| Total domestic deposits to total assets | 78.4126% | 4,664 |
| Equity capital to assets | 11.9091% | 1,852 |
| Core capital (leverage) ratio | 12.5524% | 1,368 |
| Tier 1 risk-based capital ratio | 17.3477% | 2,017 |
| Total risk-based capital ratio | 18.5975% | 1,967 |
| Memoranda: | ||
| Average total assets | $148,353,000 | 3,486 |
| Average earning assets | $142,175,000 | 3,422 |
| Average equity | $18,367,000 | 3,319 |
| Average total loans | $93,254,500 | 3,480 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 1,015 |
| Cost of funding earning assets | 0.5227% | 2,159 |
| Net interest margin | 4.2543% | 1,072 |
| Noninterest income to average assets | 0.6580% | 2,148 |
| Noninterest expense to average assets | 2.9801% | 2,219 |
| Loan and lease loss provision to assets | 0.0845% | 2,516 |
| Net operating income to assets | 1.6591% | 573 |
| Return on assets (ROA) | 1.6655% | 586 |
| Pretax return on assets | 1.6655% | 1,110 |
| Return on Equity (ROE) | 13.0412% | 943 |
| Retained earnings to average equity (ytd only) | 5.6214% | 1,755 |
| Net charge-offs to loans | 0.0115% | 3,684 |
| Credit loss provision to net charge-offs | 1,090.9091% | 330 |
| Earnings coverage of net charge-offs (x) | 225.0000% | 364 |
| Efficiency ratio | 63.0872% | 3,761 |
| Assets per employee ($millions) | 4.9649% | 2,524 |
| Cash dividends to net income (ytd only)* | 56.8951% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,588 |
| Loan loss allowance to noncurrent loans | 604.0179% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 4,359 |
| Noncurrent loans to loans | 0.2398% | 3,943 |
| Net loans and leases to total assets | 63.9284% | 3,374 |
| Net loans and leases to deposits | 81.0571% | 2,809 |
| Net loans and leases to core deposits | 93.1187% | 2,275 |
| Total domestic deposits to total assets | 78.8683% | 4,571 |
| Equity capital to assets | 12.8807% | 1,324 |
| Core capital (leverage) ratio | 12.6487% | 1,285 |
| Tier 1 risk-based capital ratio | 17.3495% | 1,978 |
| Total risk-based capital ratio | 18.6003% | 1,937 |
| Memoranda: | ||
| Average total assets | $141,942,600 | 3,587 |
| Average earning assets | $135,651,800 | 3,512 |
| Average equity | $18,127,200 | 3,347 |
| Average total loans | $95,527,000 | 3,425 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 1,046 |
| Cost of funding earning assets | 0.4890% | 2,363 |
| Net interest margin | 4.2555% | 1,036 |
| Noninterest income to average assets | 0.6731% | 2,114 |
| Noninterest expense to average assets | 2.9997% | 2,108 |
| Loan and lease loss provision to assets | 0.0848% | 2,395 |
| Net operating income to assets | 1.6573% | 630 |
| Return on assets (ROA) | 1.6658% | 638 |
| Pretax return on assets | 1.6658% | 1,199 |
| Return on Equity (ROE) | 13.0722% | 1,039 |
| Retained earnings to average equity (ytd only) | 7.1908% | 1,591 |
| Net charge-offs to loans | 0.0500% | 2,429 |
| Credit loss provision to net charge-offs | 250.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 51.3321% | 1,099 |
| Efficiency ratio | 63.2604% | 3,673 |
| Assets per employee ($millions) | 4.9366% | 2,526 |
| Cash dividends to net income (ytd only)* | 44.9914% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 2,069 |
| Loan loss allowance to noncurrent loans | 547.6793% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,446 |
| Noncurrent loans to loans | 0.2488% | 4,062 |
| Net loans and leases to total assets | 65.6280% | 3,160 |
| Net loans and leases to deposits | 83.0979% | 2,647 |
| Net loans and leases to core deposits | 95.2967% | 2,147 |
| Total domestic deposits to total assets | 78.9767% | 4,534 |
| Equity capital to assets | 13.1189% | 1,332 |
| Core capital (leverage) ratio | 13.0574% | 1,192 |
| Tier 1 risk-based capital ratio | 16.8738% | 2,191 |
| Total risk-based capital ratio | 18.0685% | 2,170 |
| Memoranda: | ||
| Average total assets | $141,432,500 | 3,629 |
| Average earning assets | $135,227,000 | 3,550 |
| Average equity | $18,022,500 | 3,388 |
| Average total loans | $96,059,000 | 3,439 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 994 |
| Cost of funding earning assets | 0.4620% | 2,484 |
| Net interest margin | 4.2723% | 933 |
| Noninterest income to average assets | 0.6688% | 2,132 |
| Noninterest expense to average assets | 3.0513% | 1,972 |
| Loan and lease loss provision to assets | 0.0852% | 2,283 |
| Net operating income to assets | 1.6158% | 671 |
| Return on assets (ROA) | 1.6286% | 677 |
| Pretax return on assets | 1.6286% | 1,255 |
| Return on Equity (ROE) | 12.9096% | 1,058 |
| Retained earnings to average equity (ytd only) | 6.8881% | 1,648 |
| Net charge-offs to loans | 0.1038% | 1,592 |
| Credit loss provision to net charge-offs | 120.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 23.9600% | 1,657 |
| Efficiency ratio | 64.2068% | 3,634 |
| Assets per employee ($millions) | 4.8329% | 2,603 |
| Cash dividends to net income (ytd only)* | 46.6434% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,336 |
| Loan loss allowance to noncurrent loans | 501.6000% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 4,136 |
| Noncurrent loans to loans | 0.2622% | 4,101 |
| Net loans and leases to total assets | 67.1400% | 2,928 |
| Net loans and leases to deposits | 85.6903% | 2,258 |
| Net loans and leases to core deposits | 94.0004% | 2,154 |
| Total domestic deposits to total assets | 78.3518% | 4,757 |
| Equity capital to assets | 13.2040% | 1,278 |
| Core capital (leverage) ratio | 12.7569% | 1,275 |
| Tier 1 risk-based capital ratio | 16.5589% | 2,296 |
| Total risk-based capital ratio | 17.7142% | 2,285 |
| Memoranda: | ||
| Average total assets | $140,856,670 | 3,649 |
| Average earning assets | $134,633,670 | 3,579 |
| Average equity | $17,769,670 | 3,436 |
| Average total loans | $96,328,330 | 3,450 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 1,068 |
| Cost of funding earning assets | 0.4504% | 2,521 |
| Net interest margin | 4.1780% | 1,036 |
| Noninterest income to average assets | 0.6487% | 2,186 |
| Noninterest expense to average assets | 3.1188% | 1,811 |
| Loan and lease loss provision to assets | 0.0850% | 2,122 |
| Net operating income to assets | 1.4390% | 914 |
| Return on assets (ROA) | 1.4107% | 1,010 |
| Pretax return on assets | 1.4107% | 1,851 |
| Return on Equity (ROE) | 11.4473% | 1,421 |
| Retained earnings to average equity (ytd only) | 3.7468% | 3,576 |
| Net charge-offs to loans | 0.2851% | 637 |
| Credit loss provision to net charge-offs | 43.4783% | 2,037 |
| Earnings coverage of net charge-offs (x) | 7.7971% | 2,109 |
| Efficiency ratio | 67.1751% | 3,319 |
| Assets per employee ($millions) | 4.7207% | 2,813 |
| Cash dividends to net income (ytd only)* | 67.2691% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,850 |
| Loan loss allowance to noncurrent loans | 93.4833% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 1,872 |
| Noncurrent loans to loans | 1.3331% | 1,519 |
| Net loans and leases to total assets | 67.4241% | 2,757 |
| Net loans and leases to deposits | 85.1072% | 2,148 |
| Net loans and leases to core deposits | 92.6185% | 2,108 |
| Total domestic deposits to total assets | 79.2226% | 4,787 |
| Equity capital to assets | 12.4015% | 1,594 |
| Core capital (leverage) ratio | 12.2549% | 1,470 |
| Tier 1 risk-based capital ratio | 15.9586% | 2,565 |
| Total risk-based capital ratio | 17.0560% | 2,567 |
| Memoranda: | ||
| Average total assets | $141,207,500 | 3,676 |
| Average earning assets | $134,991,500 | 3,605 |
| Average equity | $17,401,500 | 3,498 |
| Average total loans | $96,815,500 | 3,471 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4858% | 1,577 |
| Cost of funding earning assets | 0.4385% | 2,623 |
| Net interest margin | 4.0473% | 1,506 |
| Noninterest income to average assets | 0.7476% | 1,963 |
| Noninterest expense to average assets | 2.9157% | 2,621 |
| Loan and lease loss provision to assets | 0.0502% | 3,390 |
| Net operating income to assets | 1.6514% | 609 |
| Return on assets (ROA) | 1.7202% | 547 |
| Pretax return on assets | 1.7202% | 953 |
| Return on Equity (ROE) | 13.6519% | 835 |
| Retained earnings to average equity (ytd only) | 7.7076% | 958 |
| Net charge-offs to loans | 0.0161% | 3,761 |
| Credit loss provision to net charge-offs | 500.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 169.5714% | 384 |
| Efficiency ratio | 63.1481% | 4,081 |
| Assets per employee ($millions) | 4.8550% | 2,568 |
| Cash dividends to net income (ytd only)* | 43.5417% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,635 |
| Loan loss allowance to noncurrent loans | 2,221.4286% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 5,197 |
| Noncurrent loans to loans | 0.0578% | 5,018 |
| Net loans and leases to total assets | 67.9683% | 2,771 |
| Net loans and leases to deposits | 86.6051% | 2,092 |
| Net loans and leases to core deposits | 94.3403% | 2,073 |
| Total domestic deposits to total assets | 78.4808% | 4,894 |
| Equity capital to assets | 12.2448% | 1,660 |
| Core capital (leverage) ratio | 12.6357% | 1,285 |
| Tier 1 risk-based capital ratio | 15.9246% | 2,577 |
| Total risk-based capital ratio | 17.0657% | 2,547 |
| Memoranda: | ||
| Average total assets | $139,521,600 | 3,682 |
| Average earning assets | $133,398,200 | 3,598 |
| Average equity | $17,580,000 | 3,479 |
| Average total loans | $86,763,000 | 3,643 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 1,585 |
| Cost of funding earning assets | 0.4358% | 2,676 |
| Net interest margin | 4.0515% | 1,524 |
| Noninterest income to average assets | 0.7624% | 1,921 |
| Noninterest expense to average assets | 2.8619% | 2,782 |
| Loan and lease loss provision to assets | 0.0431% | 3,368 |
| Net operating income to assets | 1.7308% | 563 |
| Return on assets (ROA) | 1.8218% | 495 |
| Pretax return on assets | 1.8218% | 861 |
| Return on Equity (ROE) | 14.3557% | 761 |
| Retained earnings to average equity (ytd only) | 10.3177% | 511 |
| Net charge-offs to loans | 0.0174% | 3,370 |
| Credit loss provision to net charge-offs | 409.0909% | 825 |
| Earnings coverage of net charge-offs (x) | 168.3211% | 430 |
| Efficiency ratio | 61.7355% | 4,274 |
| Assets per employee ($millions) | 4.6271% | 2,875 |
| Cash dividends to net income (ytd only)* | 28.1284% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 2,205 |
| Loan loss allowance to noncurrent loans | 2,841.8605% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 5,366 |
| Noncurrent loans to loans | 0.0492% | 5,166 |
| Net loans and leases to total assets | 64.1826% | 3,374 |
| Net loans and leases to deposits | 80.0015% | 2,960 |
| Net loans and leases to core deposits | 85.4532% | 2,998 |
| Total domestic deposits to total assets | 80.2267% | 4,461 |
| Equity capital to assets | 13.6400% | 1,182 |
| Core capital (leverage) ratio | 12.4197% | 1,432 |
| Tier 1 risk-based capital ratio | 17.1377% | 2,186 |
| Total risk-based capital ratio | 18.3431% | 2,151 |
| Memoranda: | ||
| Average total assets | $139,203,250 | 3,707 |
| Average earning assets | $133,084,750 | 3,620 |
| Average equity | $17,665,000 | 3,486 |
| Average total loans | $84,218,750 | 3,724 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 1,625 |
| Cost of funding earning assets | 0.4364% | 2,687 |
| Net interest margin | 4.0285% | 1,559 |
| Noninterest income to average assets | 0.7624% | 1,881 |
| Noninterest expense to average assets | 2.8124% | 2,987 |
| Loan and lease loss provision to assets | 0.0426% | 3,298 |
| Net operating income to assets | 1.7604% | 514 |
| Return on assets (ROA) | 1.8953% | 416 |
| Pretax return on assets | 1.8953% | 704 |
| Return on Equity (ROE) | 15.2988% | 640 |
| Retained earnings to average equity (ytd only) | 11.1733% | 421 |
| Net charge-offs to loans | 0.0096% | 3,373 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 317.5000% | 213 |
| Efficiency ratio | 60.9351% | 4,521 |
| Assets per employee ($millions) | 4.5378% | 2,954 |
| Cash dividends to net income (ytd only)* | 26.9663% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 2,302 |
| Loan loss allowance to noncurrent loans | 24,280.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,626 |
| Noncurrent loans to loans | 0.0058% | 5,493 |
| Net loans and leases to total assets | 60.8110% | 3,776 |
| Net loans and leases to deposits | 73.7766% | 3,616 |
| Net loans and leases to core deposits | 78.6409% | 3,589 |
| Total domestic deposits to total assets | 82.4258% | 3,866 |
| Equity capital to assets | 12.8206% | 1,603 |
| Core capital (leverage) ratio | 12.0183% | 1,616 |
| Tier 1 risk-based capital ratio | 16.8809% | 2,269 |
| Total risk-based capital ratio | 18.0878% | 2,239 |
| Memoranda: | ||
| Average total assets | $140,875,670 | 3,701 |
| Average earning assets | $134,739,000 | 3,615 |
| Average equity | $17,452,330 | 3,522 |
| Average total loans | $83,176,330 | 3,777 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 2,285 |
| Cost of funding earning assets | 0.4385% | 2,694 |
| Net interest margin | 3.8161% | 2,233 |
| Noninterest income to average assets | 0.6753% | 2,151 |
| Noninterest expense to average assets | 2.9139% | 2,658 |
| Loan and lease loss provision to assets | 0.0426% | 3,071 |
| Net operating income to assets | 1.3733% | 1,092 |
| Return on assets (ROA) | 1.5662% | 789 |
| Pretax return on assets | 1.5662% | 1,387 |
| Return on Equity (ROE) | 12.8664% | 1,062 |
| Retained earnings to average equity (ytd only) | 12.8664% | 404 |
| Net charge-offs to loans | 0.0049% | 2,949 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 499.0000% | 111 |
| Efficiency ratio | 67.3001% | 3,580 |
| Assets per employee ($millions) | 4.9268% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 2,104 |
| Loan loss allowance to noncurrent loans | 3,434.2857% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 5,545 |
| Noncurrent loans to loans | 0.0429% | 5,321 |
| Net loans and leases to total assets | 56.2687% | 4,225 |
| Net loans and leases to deposits | 69.3060% | 3,917 |
| Net loans and leases to core deposits | 73.5692% | 3,934 |
| Total domestic deposits to total assets | 81.1887% | 4,430 |
| Equity capital to assets | 12.2147% | 1,880 |
| Core capital (leverage) ratio | 11.6391% | 1,878 |
| Tier 1 risk-based capital ratio | 17.3201% | 2,179 |
| Total risk-based capital ratio | 18.5701% | 2,147 |
| Memoranda: | ||
| Average total assets | $140,977,500 | 3,724 |
| Average earning assets | $135,008,500 | 3,634 |
| Average equity | $17,161,000 | 3,558 |
| Average total loans | $81,385,500 | 3,823 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,626 |
| Cost of funding earning assets | 0.4629% | 2,509 |
| Net interest margin | 3.7166% | 2,689 |
| Noninterest income to average assets | 0.7859% | 1,844 |
| Noninterest expense to average assets | 2.7494% | 3,413 |
| Loan and lease loss provision to assets | 0.0414% | 3,507 |
| Net operating income to assets | 1.5270% | 819 |
| Return on assets (ROA) | 1.5698% | 773 |
| Pretax return on assets | 1.5698% | 1,340 |
| Return on Equity (ROE) | 13.1018% | 1,036 |
| Retained earnings to average equity (ytd only) | -7.0956% | 5,982 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6756% | 4,335 |
| Assets per employee ($millions) | 4.6359% | 2,840 |
| Cash dividends to net income (ytd only)* | 154.1575% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 2,165 |
| Loan loss allowance to noncurrent loans | 9,138.4615% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 5,671 |
| Noncurrent loans to loans | 0.0160% | 5,462 |
| Net loans and leases to total assets | 57.5116% | 4,148 |
| Net loans and leases to deposits | 70.5848% | 3,857 |
| Net loans and leases to core deposits | 75.7752% | 3,776 |
| Total domestic deposits to total assets | 81.4787% | 4,343 |
| Equity capital to assets | 12.1299% | 1,863 |
| Core capital (leverage) ratio | 11.1470% | 2,268 |
| Tier 1 risk-based capital ratio | 16.4535% | 2,504 |
| Total risk-based capital ratio | 17.6748% | 2,474 |
| Memoranda: | ||
| Average total assets | $144,795,600 | 3,652 |
| Average earning assets | $137,598,200 | 3,569 |
| Average equity | $17,348,800 | 3,488 |
| Average total loans | $77,731,400 | 3,889 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 3,031 |
| Cost of funding earning assets | 0.4564% | 2,625 |
| Net interest margin | 3.6226% | 3,070 |
| Noninterest income to average assets | 0.8115% | 1,768 |
| Noninterest expense to average assets | 2.7291% | 3,462 |
| Loan and lease loss provision to assets | 0.0410% | 3,387 |
| Net operating income to assets | 1.4790% | 954 |
| Return on assets (ROA) | 1.4790% | 991 |
| Pretax return on assets | 1.4790% | 1,739 |
| Return on Equity (ROE) | 12.3801% | 1,272 |
| Retained earnings to average equity (ytd only) | -11.2046% | 6,142 |
| Net charge-offs to loans | 0.0017% | 4,122 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 1,671.1353% | 38 |
| Efficiency ratio | 64.2275% | 4,206 |
| Assets per employee ($millions) | 4.8509% | 2,487 |
| Cash dividends to net income (ytd only)* | 190.5059% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 2,526 |
| Loan loss allowance to noncurrent loans | 29,300.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,811 |
| Noncurrent loans to loans | 0.0048% | 5,638 |
| Net loans and leases to total assets | 56.0883% | 4,344 |
| Net loans and leases to deposits | 68.9052% | 4,101 |
| Net loans and leases to core deposits | 75.3898% | 3,867 |
| Total domestic deposits to total assets | 81.3992% | 4,363 |
| Equity capital to assets | 11.4639% | 2,533 |
| Core capital (leverage) ratio | 10.8100% | 2,706 |
| Tier 1 risk-based capital ratio | 15.8303% | 2,880 |
| Total risk-based capital ratio | 17.0068% | 2,850 |
| Memoranda: | ||
| Average total assets | $146,225,000 | 3,656 |
| Average earning assets | $138,753,750 | 3,592 |
| Average equity | $17,468,500 | 3,487 |
| Average total loans | $76,870,750 | 3,953 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 3,246 |
| Cost of funding earning assets | 0.4560% | 2,650 |
| Net interest margin | 3.5543% | 3,269 |
| Noninterest income to average assets | 0.8234% | 1,684 |
| Noninterest expense to average assets | 2.7680% | 3,356 |
| Loan and lease loss provision to assets | 0.0410% | 3,295 |
| Net operating income to assets | 1.3888% | 1,116 |
| Return on assets (ROA) | 1.3888% | 1,151 |
| Pretax return on assets | 1.3888% | 2,025 |
| Return on Equity (ROE) | 11.4719% | 1,530 |
| Retained earnings to average equity (ytd only) | -21.1840% | 6,270 |
| Net charge-offs to loans | 0.0107% | 3,539 |
| Credit loss provision to net charge-offs | 750.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 261.7500% | 263 |
| Efficiency ratio | 65.9401% | 4,021 |
| Assets per employee ($millions) | 5.0715% | 2,178 |
| Cash dividends to net income (ytd only)* | 284.6608% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 2,362 |
| Loan loss allowance to noncurrent loans | 115,400.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,925 |
| Noncurrent loans to loans | 0.0013% | 5,780 |
| Net loans and leases to total assets | 50.3349% | 4,901 |
| Net loans and leases to deposits | 60.6048% | 4,801 |
| Net loans and leases to core deposits | 65.6314% | 4,685 |
| Total domestic deposits to total assets | 83.0543% | 3,934 |
| Equity capital to assets | 10.5925% | 3,335 |
| Core capital (leverage) ratio | 10.3821% | 3,105 |
| Tier 1 risk-based capital ratio | 16.4814% | 2,618 |
| Total risk-based capital ratio | 17.7197% | 2,580 |
| Memoranda: | ||
| Average total assets | $146,458,000 | 3,684 |
| Average earning assets | $139,044,330 | 3,614 |
| Average equity | $17,730,330 | 3,464 |
| Average total loans | $74,896,000 | 4,033 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 2,850 |
| Cost of funding earning assets | 0.4740% | 2,513 |
| Net interest margin | 3.6214% | 2,920 |
| Noninterest income to average assets | 0.9748% | 1,176 |
| Noninterest expense to average assets | 2.8827% | 2,960 |
| Loan and lease loss provision to assets | 0.0418% | 3,078 |
| Net operating income to assets | 1.4762% | 891 |
| Return on assets (ROA) | 1.4762% | 950 |
| Pretax return on assets | 1.4762% | 1,640 |
| Return on Equity (ROE) | 11.4363% | 1,506 |
| Retained earnings to average equity (ytd only) | 7.2286% | 1,903 |
| Net charge-offs to loans | 0.0054% | 3,132 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 97 |
| Efficiency ratio | 65.5063% | 4,237 |
| Assets per employee ($millions) | 4.7734% | 2,654 |
| Cash dividends to net income (ytd only)* | 36.7925% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 2,050 |
| Loan loss allowance to noncurrent loans | 57,100.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,975 |
| Noncurrent loans to loans | 0.0028% | 5,810 |
| Net loans and leases to total assets | 47.4637% | 5,090 |
| Net loans and leases to deposits | 59.6954% | 4,764 |
| Net loans and leases to core deposits | 64.7402% | 4,632 |
| Total domestic deposits to total assets | 79.5099% | 5,171 |
| Equity capital to assets | 12.6657% | 1,589 |
| Core capital (leverage) ratio | 12.0542% | 1,609 |
| Tier 1 risk-based capital ratio | 19.3707% | 1,768 |
| Total risk-based capital ratio | 20.6208% | 1,724 |
| Memoranda: | ||
| Average total assets | $143,614,500 | 3,748 |
| Average earning assets | $135,857,500 | 3,689 |
| Average equity | $18,537,500 | 3,378 |
| Average total loans | $73,476,000 | 4,092 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 2,779 |
| Cost of funding earning assets | 0.5092% | 2,576 |
| Net interest margin | 3.7405% | 2,845 |
| Noninterest income to average assets | 0.9823% | 1,254 |
| Noninterest expense to average assets | 2.9291% | 3,053 |
| Loan and lease loss provision to assets | 0.0431% | 3,703 |
| Net operating income to assets | 1.5390% | 812 |
| Return on assets (ROA) | 1.5519% | 821 |
| Pretax return on assets | 1.5519% | 1,377 |
| Return on Equity (ROE) | 12.2316% | 1,345 |
| Retained earnings to average equity (ytd only) | 5.6284% | 2,179 |
| Net charge-offs to loans | -0.0153% | 5,648 |
| Credit loss provision to net charge-offs | -545.4545% | 5,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9291% | 4,414 |
| Assets per employee ($millions) | 4.2198% | 3,501 |
| Cash dividends to net income (ytd only)* | 53.9852% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 2,518 |
| Loan loss allowance to noncurrent loans | 112,800.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 6,106 |
| Noncurrent loans to loans | 0.0013% | 5,935 |
| Net loans and leases to total assets | 53.4616% | 4,641 |
| Net loans and leases to deposits | 66.8168% | 4,233 |
| Net loans and leases to core deposits | 73.0341% | 4,023 |
| Total domestic deposits to total assets | 80.0122% | 5,012 |
| Equity capital to assets | 13.1651% | 1,284 |
| Core capital (leverage) ratio | 12.0017% | 1,610 |
| Tier 1 risk-based capital ratio | 18.3243% | 2,046 |
| Total risk-based capital ratio | 19.5573% | 2,014 |
| Memoranda: | ||
| Average total assets | $139,054,400 | 3,818 |
| Average earning assets | $131,184,000 | 3,739 |
| Average equity | $17,642,800 | 3,436 |
| Average total loans | $71,961,600 | 4,126 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 3,044 |
| Cost of funding earning assets | 0.5139% | 2,621 |
| Net interest margin | 3.6714% | 3,145 |
| Noninterest income to average assets | 0.9928% | 1,244 |
| Noninterest expense to average assets | 2.8910% | 3,154 |
| Loan and lease loss provision to assets | 0.0432% | 3,534 |
| Net operating income to assets | 1.5261% | 886 |
| Return on assets (ROA) | 1.5433% | 888 |
| Pretax return on assets | 1.5433% | 1,501 |
| Return on Equity (ROE) | 12.2796% | 1,406 |
| Retained earnings to average equity (ytd only) | 7.7387% | 1,469 |
| Net charge-offs to loans | 0.0019% | 4,653 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 1,640.0602% | 32 |
| Efficiency ratio | 64.8172% | 4,407 |
| Assets per employee ($millions) | 4.0671% | 3,741 |
| Cash dividends to net income (ytd only)* | 36.9793% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 3,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 54.8207% | 4,481 |
| Net loans and leases to deposits | 67.7220% | 4,165 |
| Net loans and leases to core deposits | 73.7183% | 3,971 |
| Total domestic deposits to total assets | 80.9495% | 4,834 |
| Equity capital to assets | 13.1848% | 1,340 |
| Core capital (leverage) ratio | 12.1005% | 1,637 |
| Tier 1 risk-based capital ratio | 17.9766% | 2,218 |
| Total risk-based capital ratio | 19.1558% | 2,203 |
| Memoranda: | ||
| Average total assets | $139,004,250 | 3,846 |
| Average earning assets | $131,280,750 | 3,758 |
| Average equity | $17,470,250 | 3,476 |
| Average total loans | $71,058,000 | 4,188 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 3,420 |
| Cost of funding earning assets | 0.5101% | 2,730 |
| Net interest margin | 3.5709% | 3,481 |
| Noninterest income to average assets | 0.9595% | 1,308 |
| Noninterest expense to average assets | 2.8956% | 3,179 |
| Loan and lease loss provision to assets | 0.0431% | 3,455 |
| Net operating income to assets | 1.3889% | 1,093 |
| Return on assets (ROA) | 1.3860% | 1,140 |
| Pretax return on assets | 1.3860% | 1,946 |
| Return on Equity (ROE) | 11.2103% | 1,663 |
| Retained earnings to average equity (ytd only) | 8.9450% | 1,003 |
| Net charge-offs to loans | 0.0260% | 3,674 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 110.7778% | 517 |
| Efficiency ratio | 66.9101% | 4,214 |
| Assets per employee ($millions) | 4.5007% | 2,920 |
| Cash dividends to net income (ytd only)* | 20.2073% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 2,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 49.8287% | 4,977 |
| Net loans and leases to deposits | 61.3843% | 4,747 |
| Net loans and leases to core deposits | 67.1146% | 4,546 |
| Total domestic deposits to total assets | 81.1750% | 4,925 |
| Equity capital to assets | 12.8611% | 1,446 |
| Core capital (leverage) ratio | 12.2058% | 1,549 |
| Tier 1 risk-based capital ratio | 18.5297% | 2,055 |
| Total risk-based capital ratio | 19.7374% | 2,028 |
| Memoranda: | ||
| Average total assets | $139,245,670 | 3,861 |
| Average earning assets | $131,341,000 | 3,776 |
| Average equity | $17,216,330 | 3,515 |
| Average total loans | $69,108,330 | 4,266 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 3,480 |
| Cost of funding earning assets | 0.5149% | 2,757 |
| Net interest margin | 3.5341% | 3,550 |
| Noninterest income to average assets | 0.9777% | 1,182 |
| Noninterest expense to average assets | 2.9790% | 2,943 |
| Loan and lease loss provision to assets | 0.0431% | 3,234 |
| Net operating income to assets | 1.2911% | 1,240 |
| Return on assets (ROA) | 1.2911% | 1,286 |
| Pretax return on assets | 1.2911% | 2,121 |
| Return on Equity (ROE) | 10.6572% | 1,797 |
| Retained earnings to average equity (ytd only) | 6.0288% | 2,524 |
| Net charge-offs to loans | 0.0585% | 2,575 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 46.4000% | 799 |
| Efficiency ratio | 69.0667% | 3,989 |
| Assets per employee ($millions) | 4.2731% | 3,395 |
| Cash dividends to net income (ytd only)* | 43.4298% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 2,855 |
| Loan loss allowance to noncurrent loans | 53,100.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,348 |
| Noncurrent loans to loans | 0.0029% | 6,186 |
| Net loans and leases to total assets | 47.3354% | 5,200 |
| Net loans and leases to deposits | 58.4293% | 4,897 |
| Net loans and leases to core deposits | 63.9787% | 4,694 |
| Total domestic deposits to total assets | 81.0131% | 5,233 |
| Equity capital to assets | 12.1627% | 1,768 |
| Core capital (leverage) ratio | 11.6482% | 1,865 |
| Tier 1 risk-based capital ratio | 18.7059% | 2,056 |
| Total risk-based capital ratio | 19.9456% | 2,020 |
| Memoranda: | ||
| Average total assets | $139,107,500 | 3,893 |
| Average earning assets | $131,293,500 | 3,813 |
| Average equity | $16,852,500 | 3,570 |
| Average total loans | $68,362,500 | 4,317 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 3,899 |
| Cost of funding earning assets | 0.5573% | 3,049 |
| Net interest margin | 3.4985% | 3,918 |
| Noninterest income to average assets | 0.9081% | 1,651 |
| Noninterest expense to average assets | 2.7751% | 3,814 |
| Loan and lease loss provision to assets | 0.0214% | 4,704 |
| Net operating income to assets | 1.4100% | 1,004 |
| Return on assets (ROA) | 1.4343% | 991 |
| Pretax return on assets | 1.4343% | 1,671 |
| Return on Equity (ROE) | 11.9786% | 1,423 |
| Retained earnings to average equity (ytd only) | 5.0919% | 2,531 |
| Net charge-offs to loans | -0.0224% | 6,161 |
| Credit loss provision to net charge-offs | -200.0000% | 5,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9708% | 4,564 |
| Assets per employee ($millions) | 3.9201% | 4,025 |
| Cash dividends to net income (ytd only)* | 57.4913% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 3,037 |
| Loan loss allowance to noncurrent loans | 10,570.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 6,411 |
| Noncurrent loans to loans | 0.0145% | 6,234 |
| Net loans and leases to total assets | 49.4577% | 5,140 |
| Net loans and leases to deposits | 60.8594% | 4,849 |
| Net loans and leases to core deposits | 66.5284% | 4,656 |
| Total domestic deposits to total assets | 81.2656% | 5,103 |
| Equity capital to assets | 12.0654% | 1,760 |
| Core capital (leverage) ratio | 11.5493% | 1,925 |
| Tier 1 risk-based capital ratio | 18.1806% | 2,191 |
| Total risk-based capital ratio | 19.3991% | 2,160 |
| Memoranda: | ||
| Average total assets | $140,066,600 | 3,871 |
| Average earning assets | $132,057,400 | 3,799 |
| Average equity | $16,771,600 | 3,592 |
| Average total loans | $66,856,800 | 4,383 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 4,186 |
| Cost of funding earning assets | 0.5634% | 3,139 |
| Net interest margin | 3.4223% | 4,197 |
| Noninterest income to average assets | 0.9168% | 1,700 |
| Noninterest expense to average assets | 2.7143% | 3,967 |
| Loan and lease loss provision to assets | 0.0142% | 4,720 |
| Net operating income to assets | 1.4159% | 1,067 |
| Return on assets (ROA) | 1.4433% | 1,053 |
| Pretax return on assets | 1.4433% | 1,785 |
| Return on Equity (ROE) | 12.0763% | 1,451 |
| Retained earnings to average equity (ytd only) | 7.4407% | 1,674 |
| Net charge-offs to loans | -0.0040% | 5,757 |
| Credit loss provision to net charge-offs | -750.0000% | 6,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4936% | 4,580 |
| Assets per employee ($millions) | 4.1734% | 3,480 |
| Cash dividends to net income (ytd only)* | 38.3858% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 3,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 6,290 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 49.8522% | 5,157 |
| Net loans and leases to deposits | 61.5780% | 4,806 |
| Net loans and leases to core deposits | 67.6404% | 4,558 |
| Total domestic deposits to total assets | 80.9579% | 5,224 |
| Equity capital to assets | 11.9778% | 1,930 |
| Core capital (leverage) ratio | 11.5944% | 1,958 |
| Tier 1 risk-based capital ratio | 17.9294% | 2,350 |
| Total risk-based capital ratio | 19.0931% | 2,345 |
| Memoranda: | ||
| Average total assets | $140,782,750 | 3,899 |
| Average earning assets | $132,773,000 | 3,822 |
| Average equity | $16,826,000 | 3,625 |
| Average total loans | $66,342,500 | 4,436 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 4,397 |
| Cost of funding earning assets | 0.5725% | 3,191 |
| Net interest margin | 3.3485% | 4,381 |
| Noninterest income to average assets | 0.8575% | 1,977 |
| Noninterest expense to average assets | 2.6657% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3512% | 1,189 |
| Return on assets (ROA) | 1.3921% | 1,182 |
| Pretax return on assets | 1.3921% | 1,959 |
| Return on Equity (ROE) | 11.6556% | 1,589 |
| Retained earnings to average equity (ytd only) | 9.3529% | 1,009 |
| Net charge-offs to loans | -0.0399% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3624% | 4,482 |
| Assets per employee ($millions) | 4.3856% | 3,018 |
| Cash dividends to net income (ytd only)* | 19.7568% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 3,436 |
| Loan loss allowance to noncurrent loans | 34,166.6667% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,340 |
| Noncurrent loans to loans | 0.0045% | 6,437 |
| Net loans and leases to total assets | 46.9463% | 5,429 |
| Net loans and leases to deposits | 56.8961% | 5,255 |
| Net loans and leases to core deposits | 62.2651% | 5,073 |
| Total domestic deposits to total assets | 82.5123% | 4,880 |
| Equity capital to assets | 11.8085% | 2,037 |
| Core capital (leverage) ratio | 11.2537% | 2,125 |
| Tier 1 risk-based capital ratio | 18.6288% | 2,106 |
| Total risk-based capital ratio | 19.8442% | 2,074 |
| Memoranda: | ||
| Average total assets | $141,803,330 | 3,913 |
| Average earning assets | $133,790,670 | 3,824 |
| Average equity | $16,936,000 | 3,629 |
| Average total loans | $65,228,000 | 4,492 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 4,578 |
| Cost of funding earning assets | 0.5875% | 3,236 |
| Net interest margin | 3.2845% | 4,576 |
| Noninterest income to average assets | 0.8419% | 1,951 |
| Noninterest expense to average assets | 2.6127% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3358% | 1,191 |
| Return on assets (ROA) | 1.3414% | 1,269 |
| Pretax return on assets | 1.3414% | 2,069 |
| Return on Equity (ROE) | 11.1695% | 1,653 |
| Retained earnings to average equity (ytd only) | 6.6129% | 2,359 |
| Net charge-offs to loans | -0.0621% | 6,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1692% | 4,635 |
| Assets per employee ($millions) | 4.6524% | 2,726 |
| Cash dividends to net income (ytd only)* | 40.7950% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 3,424 |
| Loan loss allowance to noncurrent loans | 102,200.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 6,450 |
| Noncurrent loans to loans | 0.0016% | 6,531 |
| Net loans and leases to total assets | 43.7663% | 5,687 |
| Net loans and leases to deposits | 52.4139% | 5,582 |
| Net loans and leases to core deposits | 57.2785% | 5,406 |
| Total domestic deposits to total assets | 83.5015% | 4,670 |
| Equity capital to assets | 11.9161% | 2,100 |
| Core capital (leverage) ratio | 10.8087% | 2,448 |
| Tier 1 risk-based capital ratio | 18.3668% | 2,237 |
| Total risk-based capital ratio | 19.6017% | 2,207 |
| Memoranda: | ||
| Average total assets | $142,535,500 | 3,936 |
| Average earning assets | $134,817,000 | 3,851 |
| Average equity | $17,118,000 | 3,650 |
| Average total loans | $64,387,500 | 4,546 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0448% | 5,168 |
| Cost of funding earning assets | 0.6980% | 3,509 |
| Net interest margin | 3.3468% | 5,080 |
| Noninterest income to average assets | 0.8120% | 2,211 |
| Noninterest expense to average assets | 2.5704% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4135% | 1,075 |
| Return on assets (ROA) | 1.4634% | 1,098 |
| Pretax return on assets | 1.4634% | 1,806 |
| Return on Equity (ROE) | 12.2066% | 1,444 |
| Retained earnings to average equity (ytd only) | 6.5677% | 1,783 |
| Net charge-offs to loans | -0.0101% | 6,465 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5191% | 4,794 |
| Assets per employee ($millions) | 4.4014% | 3,144 |
| Cash dividends to net income (ytd only)* | 46.1957% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 3,453 |
| Loan loss allowance to noncurrent loans | 2,735.1351% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 6,404 |
| Noncurrent loans to loans | 0.0572% | 6,349 |
| Net loans and leases to total assets | 45.1692% | 5,702 |
| Net loans and leases to deposits | 54.9254% | 5,563 |
| Net loans and leases to core deposits | 59.6751% | 5,398 |
| Total domestic deposits to total assets | 82.2373% | 5,018 |
| Equity capital to assets | 12.1054% | 1,977 |
| Core capital (leverage) ratio | 10.7085% | 2,539 |
| Tier 1 risk-based capital ratio | 17.7390% | 2,364 |
| Total risk-based capital ratio | 18.9425% | 2,346 |
| Memoranda: | ||
| Average total assets | $138,306,600 | 3,983 |
| Average earning assets | $131,082,200 | 3,871 |
| Average equity | $16,581,200 | 3,690 |
| Average total loans | $59,149,800 | 4,745 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 5,390 |
| Cost of funding earning assets | 0.7197% | 3,595 |
| Net interest margin | 3.3213% | 5,306 |
| Noninterest income to average assets | 0.7786% | 2,339 |
| Noninterest expense to average assets | 2.5432% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3907% | 1,246 |
| Return on assets (ROA) | 1.4575% | 1,226 |
| Pretax return on assets | 1.4575% | 2,045 |
| Return on Equity (ROE) | 12.1879% | 1,569 |
| Retained earnings to average equity (ytd only) | 9.0458% | 1,214 |
| Net charge-offs to loans | -0.0369% | 6,628 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6480% | 4,686 |
| Assets per employee ($millions) | 4.7735% | 2,500 |
| Cash dividends to net income (ytd only)* | 25.7807% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6853% | 3,195 |
| Loan loss allowance to noncurrent loans | 7,300.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 6,585 |
| Noncurrent loans to loans | 0.0231% | 6,580 |
| Net loans and leases to total assets | 43.0677% | 6,033 |
| Net loans and leases to deposits | 52.2790% | 5,957 |
| Net loans and leases to core deposits | 56.7643% | 5,829 |
| Total domestic deposits to total assets | 82.3804% | 4,884 |
| Equity capital to assets | 12.4632% | 1,917 |
| Core capital (leverage) ratio | 11.3674% | 2,080 |
| Tier 1 risk-based capital ratio | 19.3438% | 1,909 |
| Total risk-based capital ratio | 20.5939% | 1,886 |
| Memoranda: | ||
| Average total assets | $137,671,750 | 4,034 |
| Average earning assets | $130,788,000 | 3,919 |
| Average equity | $16,464,000 | 3,744 |
| Average total loans | $57,779,500 | 4,848 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 5,439 |
| Cost of funding earning assets | 0.7440% | 3,654 |
| Net interest margin | 3.3205% | 5,389 |
| Noninterest income to average assets | 0.7699% | 2,335 |
| Noninterest expense to average assets | 2.5688% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3579% | 1,289 |
| Return on assets (ROA) | 1.3579% | 1,447 |
| Pretax return on assets | 1.3579% | 2,359 |
| Return on Equity (ROE) | 11.5178% | 1,822 |
| Retained earnings to average equity (ytd only) | 9.1723% | 1,215 |
| Net charge-offs to loans | 0.0141% | 5,239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 233.2500% | 182 |
| Efficiency ratio | 65.4188% | 4,646 |
| Assets per employee ($millions) | 4.8026% | 2,436 |
| Cash dividends to net income (ytd only)* | 20.3644% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 2,881 |
| Loan loss allowance to noncurrent loans | 1,698.3051% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 6,550 |
| Noncurrent loans to loans | 0.1055% | 6,404 |
| Net loans and leases to total assets | 40.8576% | 6,286 |
| Net loans and leases to deposits | 49.6413% | 6,202 |
| Net loans and leases to core deposits | 53.7730% | 6,106 |
| Total domestic deposits to total assets | 82.3056% | 5,016 |
| Equity capital to assets | 12.4338% | 1,855 |
| Core capital (leverage) ratio | 11.0985% | 2,206 |
| Tier 1 risk-based capital ratio | 19.4675% | 1,862 |
| Total risk-based capital ratio | 20.7179% | 1,828 |
| Memoranda: | ||
| Average total assets | $137,418,670 | 4,048 |
| Average earning assets | $130,642,330 | 3,945 |
| Average equity | $16,201,000 | 3,774 |
| Average total loans | $56,825,670 | 4,917 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 5,618 |
| Cost of funding earning assets | 0.7637% | 3,759 |
| Net interest margin | 3.2822% | 5,527 |
| Noninterest income to average assets | 0.7661% | 2,315 |
| Noninterest expense to average assets | 2.6409% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2441% | 1,618 |
| Return on assets (ROA) | 1.2441% | 1,794 |
| Pretax return on assets | 1.2441% | 2,750 |
| Return on Equity (ROE) | 10.8396% | 2,093 |
| Retained earnings to average equity (ytd only) | 6.0722% | 2,912 |
| Net charge-offs to loans | 0.0070% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 63 |
| Efficiency ratio | 67.9763% | 4,175 |
| Assets per employee ($millions) | 5.0059% | 2,244 |
| Cash dividends to net income (ytd only)* | 43.9815% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 3,189 |
| Loan loss allowance to noncurrent loans | 665.5629% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 6,481 |
| Noncurrent loans to loans | 0.2616% | 6,164 |
| Net loans and leases to total assets | 40.4645% | 6,311 |
| Net loans and leases to deposits | 49.7400% | 6,160 |
| Net loans and leases to core deposits | 53.7449% | 6,074 |
| Total domestic deposits to total assets | 81.3520% | 5,511 |
| Equity capital to assets | 11.4536% | 2,483 |
| Core capital (leverage) ratio | 10.5759% | 2,667 |
| Tier 1 risk-based capital ratio | 18.8727% | 2,027 |
| Total risk-based capital ratio | 20.1228% | 1,987 |
| Memoranda: | ||
| Average total assets | $138,892,000 | 4,057 |
| Average earning assets | $131,984,500 | 3,942 |
| Average equity | $15,941,500 | 3,825 |
| Average total loans | $57,266,500 | 4,932 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 4,854 |
| Cost of funding earning assets | 1.0321% | 3,147 |
| Net interest margin | 3.5236% | 5,053 |
| Noninterest income to average assets | 0.9179% | 1,613 |
| Noninterest expense to average assets | 2.6429% | 4,949 |
| Loan and lease loss provision to assets | 0.0692% | 5,748 |
| Net operating income to assets | 1.5467% | 745 |
| Return on assets (ROA) | 1.6120% | 702 |
| Pretax return on assets | 1.6120% | 1,175 |
| Return on Equity (ROE) | 14.0401% | 919 |
| Retained earnings to average equity (ytd only) | 7.4452% | 1,293 |
| Net charge-offs to loans | -0.0995% | 7,135 |
| Credit loss provision to net charge-offs | -155.1724% | 6,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0578% | 5,453 |
| Assets per employee ($millions) | 4.5873% | 2,776 |
| Cash dividends to net income (ytd only)* | 46.9719% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7708% | 2,964 |
| Loan loss allowance to noncurrent loans | 657.5163% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 6,535 |
| Noncurrent loans to loans | 0.2693% | 6,186 |
| Net loans and leases to total assets | 40.5504% | 6,506 |
| Net loans and leases to deposits | 50.7171% | 6,312 |
| Net loans and leases to core deposits | 54.9543% | 6,231 |
| Total domestic deposits to total assets | 79.9541% | 5,752 |
| Equity capital to assets | 11.5020% | 2,504 |
| Core capital (leverage) ratio | 10.5150% | 2,714 |
| Tier 1 risk-based capital ratio | 18.2050% | 2,129 |
| Total risk-based capital ratio | 19.4555% | 2,096 |
| Memoranda: | ||
| Average total assets | $130,083,200 | 4,168 |
| Average earning assets | $123,341,400 | 4,066 |
| Average equity | $14,935,800 | 3,922 |
| Average total loans | $58,287,600 | 4,932 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 4,671 |
| Cost of funding earning assets | 1.0964% | 3,004 |
| Net interest margin | 3.5546% | 4,962 |
| Noninterest income to average assets | 0.8102% | 2,008 |
| Noninterest expense to average assets | 2.6365% | 4,949 |
| Loan and lease loss provision to assets | 0.0697% | 5,585 |
| Net operating income to assets | 1.4758% | 993 |
| Return on assets (ROA) | 1.5642% | 901 |
| Pretax return on assets | 1.5642% | 1,475 |
| Return on Equity (ROE) | 13.6298% | 1,132 |
| Retained earnings to average equity (ytd only) | 8.3283% | 1,380 |
| Net charge-offs to loans | -0.1046% | 7,171 |
| Credit loss provision to net charge-offs | -145.6522% | 6,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0440% | 5,232 |
| Assets per employee ($millions) | 4.8975% | 2,331 |
| Cash dividends to net income (ytd only)* | 38.8963% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 3,332 |
| Loan loss allowance to noncurrent loans | 630.5195% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 6,514 |
| Noncurrent loans to loans | 0.2668% | 6,339 |
| Net loans and leases to total assets | 41.3907% | 6,529 |
| Net loans and leases to deposits | 52.5863% | 6,321 |
| Net loans and leases to core deposits | 56.6661% | 6,260 |
| Total domestic deposits to total assets | 78.7100% | 6,048 |
| Equity capital to assets | 11.5066% | 2,674 |
| Core capital (leverage) ratio | 10.5283% | 2,833 |
| Tier 1 risk-based capital ratio | 18.6137% | 2,054 |
| Total risk-based capital ratio | 19.8635% | 2,013 |
| Memoranda: | ||
| Average total assets | $128,199,250 | 4,231 |
| Average earning assets | $121,605,500 | 4,118 |
| Average equity | $14,712,500 | 3,982 |
| Average total loans | $58,656,750 | 4,961 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7233% | 4,430 |
| Cost of funding earning assets | 1.1265% | 3,063 |
| Net interest margin | 3.5968% | 4,734 |
| Noninterest income to average assets | 0.7874% | 2,086 |
| Noninterest expense to average assets | 2.6736% | 4,924 |
| Loan and lease loss provision to assets | 0.0719% | 5,413 |
| Net operating income to assets | 1.4534% | 972 |
| Return on assets (ROA) | 1.4534% | 1,031 |
| Pretax return on assets | 1.4534% | 1,656 |
| Return on Equity (ROE) | 12.6767% | 1,283 |
| Retained earnings to average equity (ytd only) | 7.2439% | 1,765 |
| Net charge-offs to loans | -0.0984% | 7,161 |
| Credit loss provision to net charge-offs | -155.1724% | 6,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6744% | 5,307 |
| Assets per employee ($millions) | 4.4121% | 2,974 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 3,625 |
| Loan loss allowance to noncurrent loans | 680.2920% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 6,582 |
| Noncurrent loans to loans | 0.2380% | 6,444 |
| Net loans and leases to total assets | 42.7839% | 6,538 |
| Net loans and leases to deposits | 54.4075% | 6,280 |
| Net loans and leases to core deposits | 58.8504% | 6,203 |
| Total domestic deposits to total assets | 78.6360% | 6,163 |
| Equity capital to assets | 11.3619% | 2,631 |
| Core capital (leverage) ratio | 10.8100% | 2,413 |
| Tier 1 risk-based capital ratio | 18.0985% | 2,139 |
| Total risk-based capital ratio | 19.3292% | 2,103 |
| Memoranda: | ||
| Average total assets | $125,222,330 | 4,316 |
| Average earning assets | $118,773,670 | 4,214 |
| Average equity | $14,357,000 | 4,053 |
| Average total loans | $58,965,670 | 5,007 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 4,095 |
| Cost of funding earning assets | 1.1346% | 3,265 |
| Net interest margin | 3.6572% | 4,297 |
| Noninterest income to average assets | 0.8154% | 1,969 |
| Noninterest expense to average assets | 2.8245% | 4,358 |
| Loan and lease loss provision to assets | 0.0723% | 5,096 |
| Net operating income to assets | 1.3843% | 1,087 |
| Return on assets (ROA) | 1.3843% | 1,136 |
| Pretax return on assets | 1.3843% | 1,769 |
| Return on Equity (ROE) | 12.0148% | 1,457 |
| Retained earnings to average equity (ytd only) | 6.4498% | 2,393 |
| Net charge-offs to loans | -0.1341% | 7,167 |
| Credit loss provision to net charge-offs | -110.0000% | 5,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9754% | 5,040 |
| Assets per employee ($millions) | 4.3519% | 3,129 |
| Cash dividends to net income (ytd only)* | 46.3183% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5352% | 4,026 |
| Loan loss allowance to noncurrent loans | 113.0653% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7464% | 5,435 |
| Noncurrent loans to loans | 1.3578% | 4,444 |
| Net loans and leases to total assets | 45.7371% | 6,309 |
| Net loans and leases to deposits | 58.4418% | 5,887 |
| Net loans and leases to core deposits | 62.4579% | 5,882 |
| Total domestic deposits to total assets | 78.2609% | 6,343 |
| Equity capital to assets | 11.3164% | 2,401 |
| Core capital (leverage) ratio | 10.9949% | 2,194 |
| Tier 1 risk-based capital ratio | 17.5629% | 2,266 |
| Total risk-based capital ratio | 18.7414% | 2,268 |
| Memoranda: | ||
| Average total assets | $121,652,000 | 4,429 |
| Average earning assets | $115,279,000 | 4,316 |
| Average equity | $14,016,000 | 4,109 |
| Average total loans | $59,667,500 | 5,014 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 3,443 |
| Cost of funding earning assets | 1.2913% | 3,937 |
| Net interest margin | 3.9419% | 3,295 |
| Noninterest income to average assets | 1.0329% | 1,407 |
| Noninterest expense to average assets | 3.0212% | 3,765 |
| Loan and lease loss provision to assets | 0.1684% | 5,536 |
| Net operating income to assets | 1.5352% | 707 |
| Return on assets (ROA) | 1.6662% | 596 |
| Pretax return on assets | 1.6662% | 1,008 |
| Return on Equity (ROE) | 13.3020% | 1,023 |
| Retained earnings to average equity (ytd only) | 5.8918% | 1,886 |
| Net charge-offs to loans | 0.0653% | 6,141 |
| Credit loss provision to net charge-offs | 500.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 50.5946% | 462 |
| Efficiency ratio | 63.9445% | 5,361 |
| Assets per employee ($millions) | 4.0379% | 3,705 |
| Cash dividends to net income (ytd only)* | 55.7073% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,453 |
| Loan loss allowance to noncurrent loans | 213.4328% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 6,110 |
| Noncurrent loans to loans | 0.6621% | 5,721 |
| Net loans and leases to total assets | 51.1145% | 6,033 |
| Net loans and leases to deposits | 65.4149% | 5,465 |
| Net loans and leases to core deposits | 69.9343% | 5,450 |
| Total domestic deposits to total assets | 78.1388% | 6,285 |
| Equity capital to assets | 11.7423% | 2,091 |
| Core capital (leverage) ratio | 11.3706% | 1,913 |
| Tier 1 risk-based capital ratio | 17.2994% | 2,231 |
| Total risk-based capital ratio | 18.4248% | 2,241 |
| Memoranda: | ||
| Average total assets | $109,889,800 | 4,714 |
| Average earning assets | $102,920,200 | 4,646 |
| Average equity | $13,764,800 | 4,193 |
| Average total loans | $56,675,200 | 5,204 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2954% | 3,375 |
| Cost of funding earning assets | 1.3235% | 4,082 |
| Net interest margin | 3.9719% | 3,230 |
| Noninterest income to average assets | 1.0423% | 1,334 |
| Noninterest expense to average assets | 2.9827% | 3,809 |
| Loan and lease loss provision to assets | 0.2011% | 5,041 |
| Net operating income to assets | 1.5715% | 784 |
| Return on assets (ROA) | 1.7492% | 618 |
| Pretax return on assets | 1.7492% | 1,014 |
| Return on Equity (ROE) | 13.7315% | 1,087 |
| Retained earnings to average equity (ytd only) | 8.2118% | 1,348 |
| Net charge-offs to loans | 0.0767% | 5,753 |
| Credit loss provision to net charge-offs | 509.3750% | 574 |
| Earnings coverage of net charge-offs (x) | 44.9016% | 621 |
| Efficiency ratio | 62.7237% | 5,481 |
| Assets per employee ($millions) | 3.9236% | 3,986 |
| Cash dividends to net income (ytd only)* | 40.1974% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 4,352 |
| Loan loss allowance to noncurrent loans | 284.1216% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 6,446 |
| Noncurrent loans to loans | 0.5002% | 6,199 |
| Net loans and leases to total assets | 51.2704% | 6,193 |
| Net loans and leases to deposits | 70.6841% | 5,051 |
| Net loans and leases to core deposits | 72.8048% | 5,424 |
| Total domestic deposits to total assets | 72.5346% | 7,075 |
| Equity capital to assets | 12.7110% | 1,749 |
| Core capital (leverage) ratio | 11.7703% | 1,780 |
| Tier 1 risk-based capital ratio | 17.9344% | 2,038 |
| Total risk-based capital ratio | 19.0749% | 2,037 |
| Memoranda: | ||
| Average total assets | $108,087,750 | 4,836 |
| Average earning assets | $101,041,000 | 4,758 |
| Average equity | $13,768,500 | 4,256 |
| Average total loans | $55,666,000 | 5,324 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 3,144 |
| Cost of funding earning assets | 1.3442% | 4,224 |
| Net interest margin | 4.0186% | 2,928 |
| Noninterest income to average assets | 1.0491% | 1,222 |
| Noninterest expense to average assets | 2.9777% | 3,795 |
| Loan and lease loss provision to assets | 0.2354% | 4,561 |
| Net operating income to assets | 1.5858% | 747 |
| Return on assets (ROA) | 1.8571% | 480 |
| Pretax return on assets | 1.8571% | 805 |
| Return on Equity (ROE) | 14.5675% | 931 |
| Retained earnings to average equity (ytd only) | 8.9532% | 1,121 |
| Net charge-offs to loans | 0.1028% | 5,121 |
| Credit loss provision to net charge-offs | 446.4286% | 812 |
| Earnings coverage of net charge-offs (x) | 34.5357% | 819 |
| Efficiency ratio | 62.0487% | 5,680 |
| Assets per employee ($millions) | 3.7252% | 4,399 |
| Cash dividends to net income (ytd only)* | 38.5396% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 4,200 |
| Loan loss allowance to noncurrent loans | 625.5814% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 6,763 |
| Noncurrent loans to loans | 0.2311% | 6,775 |
| Net loans and leases to total assets | 50.9303% | 6,317 |
| Net loans and leases to deposits | 68.0355% | 5,560 |
| Net loans and leases to core deposits | 69.6592% | 5,909 |
| Total domestic deposits to total assets | 74.8584% | 6,871 |
| Equity capital to assets | 12.8499% | 1,631 |
| Core capital (leverage) ratio | 11.9596% | 1,661 |
| Tier 1 risk-based capital ratio | 18.4287% | 1,850 |
| Total risk-based capital ratio | 19.5742% | 1,843 |
| Memoranda: | ||
| Average total assets | $106,189,330 | 4,909 |
| Average earning assets | $99,090,000 | 4,837 |
| Average equity | $13,537,000 | 4,307 |
| Average total loans | $54,495,330 | 5,398 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4412% | 2,860 |
| Cost of funding earning assets | 1.3348% | 4,598 |
| Net interest margin | 4.1064% | 2,411 |
| Noninterest income to average assets | 1.0032% | 1,296 |
| Noninterest expense to average assets | 3.0665% | 3,404 |
| Loan and lease loss provision to assets | 0.3040% | 3,606 |
| Net operating income to assets | 1.4553% | 974 |
| Return on assets (ROA) | 2.0025% | 377 |
| Pretax return on assets | 2.0025% | 602 |
| Return on Equity (ROE) | 15.7731% | 754 |
| Retained earnings to average equity (ytd only) | 10.0864% | 1,121 |
| Net charge-offs to loans | 0.3493% | 3,012 |
| Credit loss provision to net charge-offs | 170.2128% | 2,136 |
| Earnings coverage of net charge-offs (x) | 9.8511% | 1,801 |
| Efficiency ratio | 63.5433% | 5,581 |
| Assets per employee ($millions) | 3.5662% | 4,896 |
| Cash dividends to net income (ytd only)* | 36.0531% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 4,563 |
| Loan loss allowance to noncurrent loans | 589.6825% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 6,832 |
| Noncurrent loans to loans | 0.2328% | 6,873 |
| Net loans and leases to total assets | 49.8892% | 6,471 |
| Net loans and leases to deposits | 67.7081% | 5,627 |
| Net loans and leases to core deposits | 69.3614% | 5,966 |
| Total domestic deposits to total assets | 73.6828% | 7,086 |
| Equity capital to assets | 12.6230% | 1,696 |
| Core capital (leverage) ratio | 11.9509% | 1,671 |
| Tier 1 risk-based capital ratio | 18.5134% | 1,830 |
| Total risk-based capital ratio | 19.5952% | 1,829 |
| Memoranda: | ||
| Average total assets | $105,268,000 | 4,998 |
| Average earning assets | $97,992,500 | 4,931 |
| Average equity | $13,364,500 | 4,389 |
| Average total loans | $53,829,000 | 5,498 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7135% | 3,037 |
| Cost of funding earning assets | 1.4676% | 5,648 |
| Net interest margin | 4.2459% | 1,910 |
| Noninterest income to average assets | 1.0146% | 1,520 |
| Noninterest expense to average assets | 3.1714% | 3,473 |
| Loan and lease loss provision to assets | 0.2245% | 5,567 |
| Net operating income to assets | 1.5526% | 610 |
| Return on assets (ROA) | 1.5694% | 630 |
| Pretax return on assets | 1.5694% | 1,032 |
| Return on Equity (ROE) | 12.9104% | 981 |
| Retained earnings to average equity (ytd only) | 8.0375% | 690 |
| Net charge-offs to loans | -0.0201% | 7,789 |
| Credit loss provision to net charge-offs | -2,063.6364% | 7,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0887% | 5,762 |
| Assets per employee ($millions) | 3.5707% | 4,843 |
| Cash dividends to net income (ytd only)* | 37.7442% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,615 |
| Loan loss allowance to noncurrent loans | 747.3684% | 460 |
| Noncurrent assets plus other real estate owned to assets | 1.4573% | 4,225 |
| Noncurrent loans to loans | 0.1774% | 6,978 |
| Net loans and leases to total assets | 51.0193% | 6,526 |
| Net loans and leases to deposits | 68.3742% | 5,783 |
| Net loans and leases to core deposits | 77.9525% | 6,259 |
| Total domestic deposits to total assets | 74.6178% | 6,927 |
| Equity capital to assets | 12.7708% | 1,606 |
| Core capital (leverage) ratio | 11.8277% | 1,746 |
| Tier 1 risk-based capital ratio | 17.8749% | 1,922 |
| Total risk-based capital ratio | 18.9002% | 1,947 |
| Memoranda: | ||
| Average total assets | $101,121,600 | 5,056 |
| Average earning assets | $93,691,000 | 5,017 |
| Average equity | $12,292,400 | 4,687 |
| Average total loans | $54,858,800 | 5,468 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7351% | 3,164 |
| Cost of funding earning assets | 1.4810% | 5,908 |
| Net interest margin | 4.2542% | 1,857 |
| Noninterest income to average assets | 0.9736% | 1,696 |
| Noninterest expense to average assets | 3.3440% | 2,749 |
| Loan and lease loss provision to assets | 0.1791% | 5,570 |
| Net operating income to assets | 1.3981% | 1,035 |
| Return on assets (ROA) | 1.4206% | 1,046 |
| Pretax return on assets | 1.4206% | 1,643 |
| Return on Equity (ROE) | 11.8410% | 1,398 |
| Retained earnings to average equity (ytd only) | 7.0095% | 1,501 |
| Net charge-offs to loans | -0.0435% | 7,841 |
| Credit loss provision to net charge-offs | -750.0000% | 7,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9515% | 4,988 |
| Assets per employee ($millions) | 3.5706% | 4,761 |
| Cash dividends to net income (ytd only)* | 40.8030% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 5,734 |
| Loan loss allowance to noncurrent loans | 46.3994% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.7219% | 3,787 |
| Noncurrent loans to loans | 2.3679% | 3,185 |
| Net loans and leases to total assets | 54.3328% | 6,344 |
| Net loans and leases to deposits | 73.6416% | 5,418 |
| Net loans and leases to core deposits | 86.0876% | 5,858 |
| Total domestic deposits to total assets | 73.7800% | 6,990 |
| Equity capital to assets | 12.5431% | 1,923 |
| Core capital (leverage) ratio | 11.5633% | 2,037 |
| Tier 1 risk-based capital ratio | 17.1090% | 2,245 |
| Total risk-based capital ratio | 17.9983% | 2,298 |
| Memoranda: | ||
| Average total assets | $100,514,750 | 5,108 |
| Average earning assets | $93,270,750 | 5,061 |
| Average equity | $12,059,500 | 4,776 |
| Average total loans | $55,188,500 | 5,500 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8039% | 3,022 |
| Cost of funding earning assets | 1.4923% | 6,171 |
| Net interest margin | 4.3116% | 1,625 |
| Noninterest income to average assets | 0.9326% | 1,830 |
| Noninterest expense to average assets | 3.3747% | 2,703 |
| Loan and lease loss provision to assets | 0.1809% | 5,239 |
| Net operating income to assets | 1.3607% | 1,101 |
| Return on assets (ROA) | 1.3808% | 1,136 |
| Pretax return on assets | 1.3808% | 1,786 |
| Return on Equity (ROE) | 11.6936% | 1,507 |
| Retained earnings to average equity (ytd only) | 7.0128% | 1,582 |
| Net charge-offs to loans | -0.0256% | 7,744 |
| Credit loss provision to net charge-offs | -1,285.7143% | 7,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6427% | 5,043 |
| Assets per employee ($millions) | 3.1416% | 5,737 |
| Cash dividends to net income (ytd only)* | 40.0291% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 6,006 |
| Loan loss allowance to noncurrent loans | 42.2420% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 2.1365% | 3,008 |
| Noncurrent loans to loans | 2.4429% | 2,959 |
| Net loans and leases to total assets | 52.6367% | 6,611 |
| Net loans and leases to deposits | 68.5303% | 6,135 |
| Net loans and leases to core deposits | 80.1557% | 6,393 |
| Total domestic deposits to total assets | 76.8078% | 6,371 |
| Equity capital to assets | 11.4803% | 2,551 |
| Core capital (leverage) ratio | 11.3011% | 2,192 |
| Tier 1 risk-based capital ratio | 16.8518% | 2,342 |
| Total risk-based capital ratio | 17.6643% | 2,425 |
| Memoranda: | ||
| Average total assets | $99,504,000 | 5,178 |
| Average earning assets | $91,938,000 | 5,130 |
| Average equity | $11,750,000 | 4,880 |
| Average total loans | $54,623,000 | 5,572 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8239% | 3,176 |
| Cost of funding earning assets | 1.4949% | 6,418 |
| Net interest margin | 4.3290% | 1,518 |
| Noninterest income to average assets | 0.9321% | 1,727 |
| Noninterest expense to average assets | 3.4038% | 2,347 |
| Loan and lease loss provision to assets | 0.1848% | 4,593 |
| Net operating income to assets | 1.3385% | 1,293 |
| Return on assets (ROA) | 1.3755% | 1,284 |
| Pretax return on assets | 1.3755% | 2,042 |
| Return on Equity (ROE) | 11.4785% | 1,822 |
| Retained earnings to average equity (ytd only) | 11.4785% | 888 |
| Net charge-offs to loans | -0.2869% | 8,057 |
| Credit loss provision to net charge-offs | -115.3846% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0833% | 4,762 |
| Assets per employee ($millions) | 3.1375% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 6,085 |
| Loan loss allowance to noncurrent loans | 33.3533% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 2.5249% | 2,271 |
| Noncurrent loans to loans | 3.0417% | 2,147 |
| Net loans and leases to total assets | 54.0329% | 6,460 |
| Net loans and leases to deposits | 66.4604% | 6,336 |
| Net loans and leases to core deposits | 79.8272% | 6,400 |
| Total domestic deposits to total assets | 81.3008% | 4,838 |
| Equity capital to assets | 11.9163% | 2,312 |
| Core capital (leverage) ratio | 11.9978% | 1,901 |
| Tier 1 risk-based capital ratio | 16.9888% | 2,342 |
| Total risk-based capital ratio | 17.7944% | 2,432 |
| Memoranda: | ||
| Average total assets | $97,419,500 | 5,259 |
| Average earning assets | $89,905,000 | 5,226 |
| Average equity | $11,674,000 | 4,932 |
| Average total loans | $54,365,000 | 5,611 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0603% | 5,247 |
| Cost of funding earning assets | 1.8636% | 6,839 |
| Net interest margin | 4.1967% | 2,323 |
| Noninterest income to average assets | 1.1624% | 1,147 |
| Noninterest expense to average assets | 3.2586% | 3,124 |
| Loan and lease loss provision to assets | 0.2980% | 3,995 |
| Net operating income to assets | 1.4637% | 1,093 |
| Return on assets (ROA) | 1.4836% | 1,016 |
| Pretax return on assets | 1.4836% | 1,728 |
| Return on Equity (ROE) | 12.4828% | 1,452 |
| Retained earnings to average equity (ytd only) | 8.7213% | 650 |
| Net charge-offs to loans | 0.5855% | 2,073 |
| Credit loss provision to net charge-offs | 92.4658% | 5,615 |
| Earnings coverage of net charge-offs (x) | 5.4658% | 3,636 |
| Efficiency ratio | 64.9077% | 5,346 |
| Assets per employee ($millions) | 3.0464% | 5,939 |
| Cash dividends to net income (ytd only)* | 30.1339% | 4,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 6,791 |
| Loan loss allowance to noncurrent loans | 99.5781% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.3458% | 3,523 |
| Noncurrent loans to loans | 0.8790% | 4,860 |
| Net loans and leases to total assets | 56.6006% | 6,372 |
| Net loans and leases to deposits | 68.1347% | 6,455 |
| Net loans and leases to core deposits | 85.1637% | 6,196 |
| Total domestic deposits to total assets | 83.0716% | 3,734 |
| Equity capital to assets | 12.0543% | 2,259 |
| Core capital (leverage) ratio | 12.4614% | 1,771 |
| Tier 1 risk-based capital ratio | 16.9901% | 2,313 |
| Total risk-based capital ratio | 17.6942% | 2,442 |
| Memoranda: | ||
| Average total assets | $90,591,400 | 5,334 |
| Average earning assets | $83,280,000 | 5,319 |
| Average equity | $10,766,800 | 5,193 |
| Average total loans | $49,873,800 | 5,710 |