Home > Partners Bank of Wisconsin > Performance and Condition Ratios
Partners Bank of Wisconsin, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 3,180 |
| Cost of funding earning assets | 1.5330% | 3,120 |
| Net interest margin | 3.4272% | 2,499 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 2.0346% | 3,491 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 0.9583% | 2,390 |
| Return on assets (ROA) | 1.1838% | 1,775 |
| Pretax return on assets | 1.4083% | 1,723 |
| Return on Equity (ROE) | 9.3400% | 2,512 |
| Retained earnings to average equity (ytd only) | 9.3396% | 1,353 |
| Net charge-offs to loans | -0.0614% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 62.7886% | 2,628 |
| Assets per employee ($millions) | 7.4741% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 1,390 |
| Loan loss allowance to noncurrent loans | 359.4635% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 2,292 |
| Noncurrent loans to loans | 0.3823% | 2,166 |
| Net loans and leases to total assets | 64.3400% | 2,464 |
| Net loans and leases to deposits | 84.1221% | 1,674 |
| Net loans and leases to core deposits | 89.1056% | 2,110 |
| Total domestic deposits to total assets | 76.4900% | 3,941 |
| Equity capital to assets | 13.0997% | 895 |
| Core capital (leverage) ratio | 14.2638% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $272,676,000 | 2,612 |
| Average earning assets | $244,748,500 | 2,654 |
| Average equity | $34,562,500 | 2,249 |
| Average total loans | $175,992,500 | 2,562 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 3,401 |
| Cost of funding earning assets | 1.8407% | 2,624 |
| Net interest margin | 2.9759% | 3,187 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 1.8584% | 3,864 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.8928% | 2,410 |
| Return on assets (ROA) | 0.9570% | 2,194 |
| Pretax return on assets | 1.1296% | 2,160 |
| Return on Equity (ROE) | 8.1100% | 2,732 |
| Retained earnings to average equity (ytd only) | 5.3958% | 2,066 |
| Net charge-offs to loans | -0.0034% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 62.2662% | 2,915 |
| Assets per employee ($millions) | 7.6746% | 1,729 |
| Cash dividends to net income (ytd only)* | 33.4697% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 1,577 |
| Loan loss allowance to noncurrent loans | 242.3676% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,876 |
| Noncurrent loans to loans | 0.5458% | 1,713 |
| Net loans and leases to total assets | 63.0200% | 2,667 |
| Net loans and leases to deposits | 82.3986% | 1,921 |
| Net loans and leases to core deposits | 87.2984% | 2,309 |
| Total domestic deposits to total assets | 76.4800% | 3,914 |
| Equity capital to assets | 12.2620% | 1,085 |
| Core capital (leverage) ratio | 13.6134% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $280,991,400 | 2,550 |
| Average earning assets | $255,012,800 | 2,570 |
| Average equity | $33,155,400 | 2,252 |
| Average total loans | $174,576,200 | 2,538 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 3,493 |
| Cost of funding earning assets | 1.8674% | 2,555 |
| Net interest margin | 2.8607% | 3,351 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 1.8390% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.8443% | 2,540 |
| Return on assets (ROA) | 0.9294% | 2,294 |
| Pretax return on assets | 1.0962% | 2,257 |
| Return on Equity (ROE) | 7.9500% | 2,779 |
| Retained earnings to average equity (ytd only) | 7.8523% | 1,437 |
| Net charge-offs to loans | -0.0092% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 63.2833% | 2,789 |
| Assets per employee ($millions) | 8.3663% | 1,318 |
| Cash dividends to net income (ytd only)* | 1.2710% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 1,600 |
| Loan loss allowance to noncurrent loans | 305.9133% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 2,192 |
| Noncurrent loans to loans | 0.4337% | 1,997 |
| Net loans and leases to total assets | 59.1300% | 3,000 |
| Net loans and leases to deposits | 76.5350% | 2,480 |
| Net loans and leases to core deposits | 80.6729% | 2,766 |
| Total domestic deposits to total assets | 77.2600% | 3,798 |
| Equity capital to assets | 12.0210% | 1,283 |
| Core capital (leverage) ratio | 12.7745% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $282,168,250 | 2,538 |
| Average earning assets | $257,458,750 | 2,556 |
| Average equity | $32,974,750 | 2,255 |
| Average total loans | $174,108,250 | 2,540 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 3,684 |
| Cost of funding earning assets | 1.7632% | 2,716 |
| Net interest margin | 2.7973% | 3,427 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 1.8721% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7880% | 2,664 |
| Return on assets (ROA) | 0.9174% | 2,262 |
| Pretax return on assets | 1.0775% | 2,272 |
| Return on Equity (ROE) | 7.9300% | 2,751 |
| Retained earnings to average equity (ytd only) | 7.9298% | 1,388 |
| Net charge-offs to loans | -0.0127% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.4855% | 2,708 |
| Assets per employee ($millions) | 7.6015% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 1,628 |
| Loan loss allowance to noncurrent loans | 341.7034% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 2,211 |
| Noncurrent loans to loans | 0.3885% | 2,024 |
| Net loans and leases to total assets | 61.5000% | 2,813 |
| Net loans and leases to deposits | 80.5014% | 2,160 |
| Net loans and leases to core deposits | 85.0142% | 2,462 |
| Total domestic deposits to total assets | 76.3900% | 3,866 |
| Equity capital to assets | 11.6237% | 1,299 |
| Core capital (leverage) ratio | 13.3854% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $278,617,333 | 2,555 |
| Average earning assets | $253,170,667 | 2,573 |
| Average equity | $32,233,000 | 2,258 |
| Average total loans | $173,652,000 | 2,542 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 3,739 |
| Cost of funding earning assets | 1.7401% | 2,667 |
| Net interest margin | 2.7192% | 3,529 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 1.8911% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7729% | 2,620 |
| Return on assets (ROA) | 1.0328% | 1,851 |
| Pretax return on assets | 1.2175% | 1,854 |
| Return on Equity (ROE) | 8.9500% | 2,404 |
| Retained earnings to average equity (ytd only) | 8.9490% | 1,335 |
| Net charge-offs to loans | -0.0139% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 64.5394% | 2,750 |
| Assets per employee ($millions) | 7.6251% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 1,564 |
| Loan loss allowance to noncurrent loans | 360.5590% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 2,219 |
| Noncurrent loans to loans | 0.3747% | 2,009 |
| Net loans and leases to total assets | 60.0900% | 2,846 |
| Net loans and leases to deposits | 77.7675% | 2,257 |
| Net loans and leases to core deposits | 82.1659% | 2,554 |
| Total domestic deposits to total assets | 77.2700% | 3,878 |
| Equity capital to assets | 11.4229% | 1,337 |
| Core capital (leverage) ratio | 13.4189% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $277,299,000 | 2,565 |
| Average earning assets | $251,248,500 | 2,586 |
| Average equity | $32,003,500 | 2,270 |
| Average total loans | $172,835,500 | 2,551 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 3,846 |
| Cost of funding earning assets | 1.2750% | 2,584 |
| Net interest margin | 2.7994% | 3,663 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.9277% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6533% | 3,304 |
| Return on assets (ROA) | 0.7395% | 3,061 |
| Pretax return on assets | 0.9000% | 2,962 |
| Return on Equity (ROE) | 6.4200% | 3,444 |
| Retained earnings to average equity (ytd only) | 3.8121% | 3,025 |
| Net charge-offs to loans | -0.0131% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.6605% | 2,146 |
| Assets per employee ($millions) | 7.5686% | 1,679 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 1,639 |
| Loan loss allowance to noncurrent loans | 354.1284% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 2,015 |
| Noncurrent loans to loans | 0.3763% | 1,861 |
| Net loans and leases to total assets | 62.9400% | 2,580 |
| Net loans and leases to deposits | 84.6355% | 1,724 |
| Net loans and leases to core deposits | 88.9290% | 2,116 |
| Total domestic deposits to total assets | 74.3700% | 4,077 |
| Equity capital to assets | 11.6636% | 1,235 |
| Core capital (leverage) ratio | 13.2523% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $266,113,800 | 2,588 |
| Average earning assets | $239,767,400 | 2,631 |
| Average equity | $30,639,400 | 2,238 |
| Average total loans | $168,427,600 | 2,535 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9523% | 3,916 |
| Cost of funding earning assets | 1.1745% | 2,513 |
| Net interest margin | 2.7778% | 3,762 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.9400% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6098% | 3,522 |
| Return on assets (ROA) | 0.7213% | 3,238 |
| Pretax return on assets | 0.9123% | 3,074 |
| Return on Equity (ROE) | 6.2900% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.2856% | 2,542 |
| Net charge-offs to loans | -0.0136% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.3770% | 1,977 |
| Assets per employee ($millions) | 7.5518% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 1,674 |
| Loan loss allowance to noncurrent loans | 342.8783% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 1,996 |
| Noncurrent loans to loans | 0.3922% | 1,851 |
| Net loans and leases to total assets | 64.1400% | 2,430 |
| Net loans and leases to deposits | 85.2058% | 1,638 |
| Net loans and leases to core deposits | 90.8952% | 1,861 |
| Total domestic deposits to total assets | 75.2800% | 4,071 |
| Equity capital to assets | 11.2511% | 1,257 |
| Core capital (leverage) ratio | 13.5612% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $264,524,500 | 2,605 |
| Average earning assets | $239,079,500 | 2,638 |
| Average equity | $30,354,250 | 2,237 |
| Average total loans | $167,081,500 | 2,551 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 3,947 |
| Cost of funding earning assets | 1.0720% | 2,376 |
| Net interest margin | 2.7786% | 3,853 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 1.9577% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7748% | 3,156 |
| Return on assets (ROA) | 0.7687% | 3,181 |
| Pretax return on assets | 0.9645% | 3,007 |
| Return on Equity (ROE) | 6.6600% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.6558% | 2,393 |
| Net charge-offs to loans | -0.0145% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.8803% | 2,500 |
| Assets per employee ($millions) | 7.2993% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 1,548 |
| Loan loss allowance to noncurrent loans | 172.3468% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 1,064 |
| Noncurrent loans to loans | 0.8101% | 940 |
| Net loans and leases to total assets | 61.9800% | 2,577 |
| Net loans and leases to deposits | 79.5074% | 2,014 |
| Net loans and leases to core deposits | 84.6231% | 2,169 |
| Total domestic deposits to total assets | 77.9500% | 3,853 |
| Equity capital to assets | 11.8139% | 1,101 |
| Core capital (leverage) ratio | 13.3525% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $264,595,000 | 2,608 |
| Average earning assets | $239,181,000 | 2,641 |
| Average equity | $30,559,667 | 2,243 |
| Average total loans | $165,493,667 | 2,555 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 3,939 |
| Cost of funding earning assets | 0.9206% | 2,307 |
| Net interest margin | 2.8335% | 3,898 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 1.9525% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9746% | 2,609 |
| Return on assets (ROA) | 0.9627% | 2,609 |
| Pretax return on assets | 1.2278% | 2,357 |
| Return on Equity (ROE) | 8.4300% | 3,192 |
| Retained earnings to average equity (ytd only) | 8.4308% | 2,102 |
| Net charge-offs to loans | -0.0169% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.4158% | 3,143 |
| Assets per employee ($millions) | 7.4835% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 1,604 |
| Loan loss allowance to noncurrent loans | 281.2958% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 1,607 |
| Noncurrent loans to loans | 0.4992% | 1,469 |
| Net loans and leases to total assets | 61.6800% | 2,493 |
| Net loans and leases to deposits | 77.7890% | 1,983 |
| Net loans and leases to core deposits | 81.9347% | 2,119 |
| Total domestic deposits to total assets | 79.3000% | 3,868 |
| Equity capital to assets | 11.8627% | 1,040 |
| Core capital (leverage) ratio | 13.1644% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $265,505,000 | 2,639 |
| Average earning assets | $239,418,000 | 2,674 |
| Average equity | $30,317,500 | 2,279 |
| Average total loans | $165,656,000 | 2,582 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4164% | 3,303 |
| Cost of funding earning assets | 0.3692% | 2,339 |
| Net interest margin | 3.0472% | 3,317 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.8758% | 3,881 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0127% | 2,518 |
| Return on assets (ROA) | 1.0127% | 2,467 |
| Pretax return on assets | 1.2873% | 2,133 |
| Return on Equity (ROE) | 8.6100% | 3,227 |
| Retained earnings to average equity (ytd only) | 6.0406% | 2,632 |
| Net charge-offs to loans | -0.0025% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.0976% | 3,575 |
| Assets per employee ($millions) | 7.4747% | 1,633 |
| Cash dividends to net income (ytd only)* | 29.8396% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 1,604 |
| Loan loss allowance to noncurrent loans | 316.8508% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 1,809 |
| Noncurrent loans to loans | 0.4324% | 1,629 |
| Net loans and leases to total assets | 61.3800% | 2,503 |
| Net loans and leases to deposits | 78.5905% | 1,886 |
| Net loans and leases to core deposits | 81.9590% | 2,008 |
| Total domestic deposits to total assets | 78.1000% | 4,081 |
| Equity capital to assets | 10.9867% | 1,259 |
| Core capital (leverage) ratio | 12.6822% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $264,735,800 | 2,636 |
| Average earning assets | $239,956,800 | 2,670 |
| Average equity | $31,139,400 | 2,289 |
| Average total loans | $158,712,200 | 2,549 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3200% | 3,126 |
| Cost of funding earning assets | 0.2737% | 2,448 |
| Net interest margin | 3.0463% | 3,094 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.8636% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1009% | 2,087 |
| Return on assets (ROA) | 1.1009% | 2,055 |
| Pretax return on assets | 1.4059% | 1,697 |
| Return on Equity (ROE) | 9.2000% | 2,972 |
| Retained earnings to average equity (ytd only) | 9.2049% | 1,576 |
| Net charge-offs to loans | 0.0009% | 2,298 |
| Credit loss provision to net charge-offs | 700.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 2,787.0000% | 40 |
| Efficiency ratio | 54.2954% | 3,795 |
| Assets per employee ($millions) | 7.3843% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 1,876 |
| Loan loss allowance to noncurrent loans | 240.9534% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 1,561 |
| Noncurrent loans to loans | 0.5534% | 1,437 |
| Net loans and leases to total assets | 61.9100% | 2,302 |
| Net loans and leases to deposits | 76.5097% | 1,834 |
| Net loans and leases to core deposits | 78.5384% | 2,003 |
| Total domestic deposits to total assets | 80.9200% | 3,994 |
| Equity capital to assets | 10.8613% | 1,228 |
| Core capital (leverage) ratio | 12.8512% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $263,647,750 | 2,660 |
| Average earning assets | $239,631,000 | 2,688 |
| Average equity | $31,533,250 | 2,293 |
| Average total loans | $156,528,250 | 2,574 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2023% | 3,040 |
| Cost of funding earning assets | 0.2213% | 2,635 |
| Net interest margin | 2.9810% | 2,937 |
| Noninterest income to average assets | 0.6466% | 1,557 |
| Noninterest expense to average assets | 1.8637% | 3,800 |
| Loan and lease loss provision to assets | 0.0053% | 2,509 |
| Net operating income to assets | 1.1699% | 1,537 |
| Return on assets (ROA) | 1.1699% | 1,515 |
| Pretax return on assets | 1.4925% | 1,191 |
| Return on Equity (ROE) | 9.4880% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.4880% | 1,140 |
| Net charge-offs to loans | 0.0013% | 2,088 |
| Credit loss provision to net charge-offs | 700.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 1,969.0000% | 50 |
| Efficiency ratio | 52.8626% | 4,057 |
| Assets per employee ($millions) | 7.2456% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 1,819 |
| Loan loss allowance to noncurrent loans | 242.5300% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 1,597 |
| Noncurrent loans to loans | 0.5704% | 1,484 |
| Net loans and leases to total assets | 60.7813% | 2,238 |
| Net loans and leases to deposits | 76.8621% | 1,624 |
| Net loans and leases to core deposits | 79.0264% | 1,776 |
| Total domestic deposits to total assets | 79.0784% | 4,294 |
| Equity capital to assets | 11.6048% | 996 |
| Core capital (leverage) ratio | 13.0148% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,919,000 | 2,690 |
| Average earning assets | $239,449,667 | 2,726 |
| Average equity | $32,420,000 | 2,299 |
| Average total loans | $153,105,000 | 2,612 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1239% | 2,899 |
| Cost of funding earning assets | 0.2249% | 2,466 |
| Net interest margin | 2.8990% | 2,843 |
| Noninterest income to average assets | 0.4273% | 2,511 |
| Noninterest expense to average assets | 1.8351% | 3,854 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9635% | 2,023 |
| Return on assets (ROA) | 1.4639% | 683 |
| Pretax return on assets | 1.8624% | 479 |
| Return on Equity (ROE) | 11.5361% | 1,440 |
| Retained earnings to average equity (ytd only) | 11.5361% | 668 |
| Net charge-offs to loans | 0.0027% | 1,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 811.0000% | 114 |
| Efficiency ratio | 57.0722% | 3,773 |
| Assets per employee ($millions) | 7.8603% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,675 |
| Loan loss allowance to noncurrent loans | 233.1230% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 1,645 |
| Noncurrent loans to loans | 0.6277% | 1,494 |
| Net loans and leases to total assets | 57.5576% | 2,349 |
| Net loans and leases to deposits | 70.4691% | 1,922 |
| Net loans and leases to core deposits | 72.8517% | 2,036 |
| Total domestic deposits to total assets | 81.6777% | 4,118 |
| Equity capital to assets | 12.3421% | 845 |
| Core capital (leverage) ratio | 12.6640% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,958,500 | 2,698 |
| Average earning assets | $240,086,500 | 2,738 |
| Average equity | $33,495,000 | 2,308 |
| Average total loans | $149,274,500 | 2,636 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 2,656 |
| Cost of funding earning assets | 0.3110% | 2,287 |
| Net interest margin | 3.1901% | 2,626 |
| Noninterest income to average assets | 0.2106% | 4,111 |
| Noninterest expense to average assets | 1.9611% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9009% | 3,042 |
| Return on assets (ROA) | 0.9554% | 2,920 |
| Pretax return on assets | 1.2235% | 2,592 |
| Return on Equity (ROE) | 6.9091% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.7294% | 2,901 |
| Net charge-offs to loans | -0.0470% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0560% | 3,135 |
| Assets per employee ($millions) | 7.6722% | 1,516 |
| Cash dividends to net income (ytd only)* | 31.5484% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 1,516 |
| Loan loss allowance to noncurrent loans | 211.2381% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 1,661 |
| Noncurrent loans to loans | 0.7141% | 1,425 |
| Net loans and leases to total assets | 53.9296% | 2,863 |
| Net loans and leases to deposits | 66.2228% | 2,493 |
| Net loans and leases to core deposits | 68.8888% | 2,563 |
| Total domestic deposits to total assets | 81.4366% | 4,050 |
| Equity capital to assets | 13.0251% | 891 |
| Core capital (leverage) ratio | 12.4748% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,149,800 | 2,711 |
| Average earning assets | $229,617,600 | 2,750 |
| Average equity | $34,867,000 | 2,298 |
| Average total loans | $144,750,000 | 2,680 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5661% | 2,645 |
| Cost of funding earning assets | 0.3294% | 2,308 |
| Net interest margin | 3.2367% | 2,620 |
| Noninterest income to average assets | 0.2123% | 4,131 |
| Noninterest expense to average assets | 1.9861% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9216% | 3,176 |
| Return on assets (ROA) | 0.9955% | 2,999 |
| Pretax return on assets | 1.2771% | 2,683 |
| Return on Equity (ROE) | 7.0875% | 3,647 |
| Retained earnings to average equity (ytd only) | 7.0875% | 2,385 |
| Net charge-offs to loans | -0.0647% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7592% | 3,014 |
| Assets per employee ($millions) | 7.6434% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,562 |
| Loan loss allowance to noncurrent loans | 208.8429% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 1,825 |
| Noncurrent loans to loans | 0.7264% | 1,539 |
| Net loans and leases to total assets | 55.4550% | 2,797 |
| Net loans and leases to deposits | 69.5939% | 2,282 |
| Net loans and leases to core deposits | 72.7359% | 2,349 |
| Total domestic deposits to total assets | 79.6836% | 4,271 |
| Equity capital to assets | 13.6397% | 820 |
| Core capital (leverage) ratio | 13.0072% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,055,250 | 2,761 |
| Average earning assets | $226,646,500 | 2,790 |
| Average equity | $34,839,750 | 2,329 |
| Average total loans | $144,179,000 | 2,723 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 2,859 |
| Cost of funding earning assets | 0.3550% | 2,272 |
| Net interest margin | 3.1579% | 2,877 |
| Noninterest income to average assets | 0.2114% | 4,141 |
| Noninterest expense to average assets | 1.9958% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8533% | 3,356 |
| Return on assets (ROA) | 0.9659% | 3,095 |
| Pretax return on assets | 1.2371% | 2,812 |
| Return on Equity (ROE) | 6.8076% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.8076% | 2,498 |
| Net charge-offs to loans | -0.0014% | 3,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5589% | 2,790 |
| Assets per employee ($millions) | 6.8792% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,543 |
| Loan loss allowance to noncurrent loans | 187.8603% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 1,805 |
| Noncurrent loans to loans | 0.8062% | 1,520 |
| Net loans and leases to total assets | 56.4795% | 2,841 |
| Net loans and leases to deposits | 71.9366% | 2,211 |
| Net loans and leases to core deposits | 75.6012% | 2,278 |
| Total domestic deposits to total assets | 78.5129% | 4,382 |
| Equity capital to assets | 14.1796% | 680 |
| Core capital (leverage) ratio | 13.0747% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,115,667 | 2,780 |
| Average earning assets | $222,551,000 | 2,814 |
| Average equity | $34,637,667 | 2,328 |
| Average total loans | $143,461,000 | 2,749 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 2,807 |
| Cost of funding earning assets | 0.3848% | 2,219 |
| Net interest margin | 3.1564% | 2,816 |
| Noninterest income to average assets | 0.1931% | 4,231 |
| Noninterest expense to average assets | 1.9773% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8377% | 3,303 |
| Return on assets (ROA) | 1.0646% | 2,673 |
| Pretax return on assets | 1.3732% | 2,356 |
| Return on Equity (ROE) | 7.5003% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.5003% | 2,412 |
| Net charge-offs to loans | -0.0028% | 3,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4763% | 2,845 |
| Assets per employee ($millions) | 6.8254% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 1,596 |
| Loan loss allowance to noncurrent loans | 199.1667% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 1,775 |
| Noncurrent loans to loans | 0.7546% | 1,728 |
| Net loans and leases to total assets | 57.3702% | 2,868 |
| Net loans and leases to deposits | 73.0553% | 2,207 |
| Net loans and leases to core deposits | 77.4236% | 2,228 |
| Total domestic deposits to total assets | 78.5298% | 4,381 |
| Equity capital to assets | 13.9960% | 675 |
| Core capital (leverage) ratio | 13.1852% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,348,000 | 2,781 |
| Average earning assets | $220,375,500 | 2,818 |
| Average equity | $34,398,500 | 2,336 |
| Average total loans | $144,180,000 | 2,746 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 3,079 |
| Cost of funding earning assets | 0.6110% | 2,233 |
| Net interest margin | 3.2699% | 3,159 |
| Noninterest income to average assets | 0.2421% | 4,044 |
| Noninterest expense to average assets | 2.1294% | 3,873 |
| Loan and lease loss provision to assets | 0.0396% | 3,909 |
| Net operating income to assets | 0.8348% | 2,960 |
| Return on assets (ROA) | 0.8633% | 2,988 |
| Pretax return on assets | 1.0988% | 2,696 |
| Return on Equity (ROE) | 5.8195% | 3,631 |
| Retained earnings to average equity (ytd only) | 3.7718% | 2,935 |
| Net charge-offs to loans | 0.0696% | 1,797 |
| Credit loss provision to net charge-offs | 90.9091% | 2,924 |
| Earnings coverage of net charge-offs (x) | 25.2929% | 1,745 |
| Efficiency ratio | 62.7844% | 3,010 |
| Assets per employee ($millions) | 6.4590% | 1,945 |
| Cash dividends to net income (ytd only)* | 35.1861% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,655 |
| Loan loss allowance to noncurrent loans | 194.3942% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 1,887 |
| Noncurrent loans to loans | 0.7615% | 1,804 |
| Net loans and leases to total assets | 59.8758% | 2,879 |
| Net loans and leases to deposits | 76.7765% | 2,200 |
| Net loans and leases to core deposits | 81.8727% | 2,204 |
| Total domestic deposits to total assets | 77.9871% | 4,317 |
| Equity capital to assets | 14.3973% | 702 |
| Core capital (leverage) ratio | 13.1629% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,157,600 | 2,746 |
| Average earning assets | $207,681,400 | 2,760 |
| Average equity | $33,697,000 | 2,303 |
| Average total loans | $142,211,200 | 2,725 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 3,334 |
| Cost of funding earning assets | 0.6565% | 2,291 |
| Net interest margin | 3.2195% | 3,430 |
| Noninterest income to average assets | 0.2527% | 3,961 |
| Noninterest expense to average assets | 2.1254% | 3,883 |
| Loan and lease loss provision to assets | 0.0268% | 3,999 |
| Net operating income to assets | 0.8267% | 2,990 |
| Return on assets (ROA) | 0.8653% | 2,979 |
| Pretax return on assets | 1.1037% | 2,735 |
| Return on Equity (ROE) | 5.7875% | 3,621 |
| Retained earnings to average equity (ytd only) | 5.7875% | 2,186 |
| Net charge-offs to loans | -0.0066% | 4,120 |
| Credit loss provision to net charge-offs | -642.8571% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1003% | 2,900 |
| Assets per employee ($millions) | 6.4266% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,352 |
| Loan loss allowance to noncurrent loans | 140.6489% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 1,749 |
| Noncurrent loans to loans | 1.0739% | 1,396 |
| Net loans and leases to total assets | 60.6314% | 3,149 |
| Net loans and leases to deposits | 77.7402% | 2,557 |
| Net loans and leases to core deposits | 83.0265% | 2,582 |
| Total domestic deposits to total assets | 77.9924% | 4,207 |
| Equity capital to assets | 14.5261% | 723 |
| Core capital (leverage) ratio | 13.3180% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,201,250 | 2,742 |
| Average earning assets | $205,738,000 | 2,762 |
| Average equity | $33,519,500 | 2,302 |
| Average total loans | $141,453,250 | 2,741 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,491 |
| Cost of funding earning assets | 0.7122% | 2,321 |
| Net interest margin | 3.2309% | 3,574 |
| Noninterest income to average assets | 0.2686% | 3,869 |
| Noninterest expense to average assets | 2.1832% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8196% | 2,975 |
| Return on assets (ROA) | 0.8786% | 2,894 |
| Pretax return on assets | 1.1253% | 2,632 |
| Return on Equity (ROE) | 5.8169% | 3,576 |
| Retained earnings to average equity (ytd only) | 5.8169% | 2,148 |
| Net charge-offs to loans | -0.0057% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3018% | 2,782 |
| Assets per employee ($millions) | 6.1908% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,290 |
| Loan loss allowance to noncurrent loans | 135.0187% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 1,758 |
| Noncurrent loans to loans | 1.1042% | 1,423 |
| Net loans and leases to total assets | 62.3956% | 3,081 |
| Net loans and leases to deposits | 80.1975% | 2,399 |
| Net loans and leases to core deposits | 86.6364% | 2,386 |
| Total domestic deposits to total assets | 77.8024% | 4,213 |
| Equity capital to assets | 14.8637% | 642 |
| Core capital (leverage) ratio | 13.6068% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,673,000 | 2,757 |
| Average earning assets | $201,617,333 | 2,767 |
| Average equity | $33,179,000 | 2,311 |
| Average total loans | $139,809,667 | 2,751 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 3,477 |
| Cost of funding earning assets | 0.7961% | 2,418 |
| Net interest margin | 3.3207% | 3,543 |
| Noninterest income to average assets | 0.3386% | 3,489 |
| Noninterest expense to average assets | 2.2402% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8786% | 2,586 |
| Return on assets (ROA) | 0.9992% | 2,283 |
| Pretax return on assets | 1.2857% | 1,910 |
| Return on Equity (ROE) | 6.5598% | 3,114 |
| Retained earnings to average equity (ytd only) | 6.5598% | 1,693 |
| Net charge-offs to loans | -0.0087% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2653% | 3,333 |
| Assets per employee ($millions) | 5.7843% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,086 |
| Loan loss allowance to noncurrent loans | 89.9334% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.1233% | 1,145 |
| Noncurrent loans to loans | 1.7721% | 848 |
| Net loans and leases to total assets | 62.3751% | 3,257 |
| Net loans and leases to deposits | 78.6749% | 2,820 |
| Net loans and leases to core deposits | 85.9096% | 2,689 |
| Total domestic deposits to total assets | 79.2821% | 4,001 |
| Equity capital to assets | 15.5071% | 672 |
| Core capital (leverage) ratio | 14.0697% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,979,000 | 2,748 |
| Average earning assets | $196,466,000 | 2,769 |
| Average equity | $32,745,000 | 2,315 |
| Average total loans | $137,171,000 | 2,751 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 3,320 |
| Cost of funding earning assets | 0.8352% | 2,509 |
| Net interest margin | 3.5386% | 3,319 |
| Noninterest income to average assets | 0.2521% | 4,168 |
| Noninterest expense to average assets | 2.3624% | 3,799 |
| Loan and lease loss provision to assets | 0.1670% | 1,249 |
| Net operating income to assets | 0.7029% | 3,863 |
| Return on assets (ROA) | 1.1108% | 2,490 |
| Pretax return on assets | 1.4452% | 1,997 |
| Return on Equity (ROE) | 7.5870% | 3,331 |
| Retained earnings to average equity (ytd only) | 5.4583% | 2,185 |
| Net charge-offs to loans | 0.2206% | 927 |
| Credit loss provision to net charge-offs | 114.6965% | 2,193 |
| Earnings coverage of net charge-offs (x) | 7.5272% | 2,867 |
| Efficiency ratio | 65.2455% | 2,883 |
| Assets per employee ($millions) | 5.8362% | 1,763 |
| Cash dividends to net income (ytd only)* | 28.0570% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 1,073 |
| Loan loss allowance to noncurrent loans | 118.6916% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8803% | 1,448 |
| Noncurrent loans to loans | 1.3116% | 1,144 |
| Net loans and leases to total assets | 63.2245% | 3,289 |
| Net loans and leases to deposits | 78.9607% | 2,908 |
| Net loans and leases to core deposits | 86.0945% | 2,785 |
| Total domestic deposits to total assets | 80.0709% | 3,966 |
| Equity capital to assets | 14.9588% | 806 |
| Core capital (leverage) ratio | 13.8034% | 979 |
| Tier 1 risk-based capital ratio | 18.6739% | 1,594 |
| Total risk-based capital ratio | 19.9257% | 1,563 |
| Memoranda: | ||
| Average total assets | $214,989,200 | 2,709 |
| Average earning assets | $194,796,400 | 2,752 |
| Average equity | $31,475,000 | 2,322 |
| Average total loans | $141,866,600 | 2,701 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 3,320 |
| Cost of funding earning assets | 0.8379% | 2,520 |
| Net interest margin | 3.5716% | 3,325 |
| Noninterest income to average assets | 0.2583% | 4,197 |
| Noninterest expense to average assets | 2.3400% | 3,852 |
| Loan and lease loss provision to assets | 0.1298% | 1,490 |
| Net operating income to assets | 0.7631% | 3,797 |
| Return on assets (ROA) | 1.3075% | 1,912 |
| Pretax return on assets | 1.7142% | 1,301 |
| Return on Equity (ROE) | 8.9801% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.9801% | 1,051 |
| Net charge-offs to loans | 0.2794% | 627 |
| Credit loss provision to net charge-offs | 69.8997% | 2,622 |
| Earnings coverage of net charge-offs (x) | 6.2207% | 2,855 |
| Efficiency ratio | 63.9190% | 3,022 |
| Assets per employee ($millions) | 5.7983% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,460 |
| Loan loss allowance to noncurrent loans | 108.4137% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.9243% | 1,465 |
| Noncurrent loans to loans | 1.3201% | 1,168 |
| Net loans and leases to total assets | 64.9419% | 3,183 |
| Net loans and leases to deposits | 81.7419% | 2,718 |
| Net loans and leases to core deposits | 88.8620% | 2,647 |
| Total domestic deposits to total assets | 79.4475% | 4,095 |
| Equity capital to assets | 15.2532% | 779 |
| Core capital (leverage) ratio | 13.9983% | 982 |
| Tier 1 risk-based capital ratio | 18.7912% | 1,613 |
| Total risk-based capital ratio | 20.0418% | 1,580 |
| Memoranda: | ||
| Average total assets | $214,751,500 | 2,731 |
| Average earning assets | $194,602,500 | 2,772 |
| Average equity | $31,268,250 | 2,347 |
| Average total loans | $142,661,750 | 2,715 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 3,152 |
| Cost of funding earning assets | 0.8340% | 2,484 |
| Net interest margin | 3.6250% | 3,178 |
| Noninterest income to average assets | 0.2514% | 4,250 |
| Noninterest expense to average assets | 2.3824% | 3,784 |
| Loan and lease loss provision to assets | 0.1946% | 894 |
| Net operating income to assets | 0.6941% | 4,023 |
| Return on assets (ROA) | 1.4803% | 1,251 |
| Pretax return on assets | 1.9514% | 753 |
| Return on Equity (ROE) | 10.3304% | 2,242 |
| Retained earnings to average equity (ytd only) | 10.3304% | 666 |
| Net charge-offs to loans | 0.4053% | 413 |
| Credit loss provision to net charge-offs | 72.0690% | 2,306 |
| Earnings coverage of net charge-offs (x) | 4.2621% | 2,751 |
| Efficiency ratio | 64.4269% | 3,070 |
| Assets per employee ($millions) | 5.9330% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,483 |
| Loan loss allowance to noncurrent loans | 99.6567% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 1,435 |
| Noncurrent loans to loans | 1.4372% | 1,075 |
| Net loans and leases to total assets | 65.4728% | 3,170 |
| Net loans and leases to deposits | 82.1286% | 2,717 |
| Net loans and leases to core deposits | 89.2989% | 2,659 |
| Total domestic deposits to total assets | 79.7198% | 4,093 |
| Equity capital to assets | 15.0205% | 802 |
| Core capital (leverage) ratio | 13.5115% | 1,110 |
| Tier 1 risk-based capital ratio | 18.1225% | 1,776 |
| Total risk-based capital ratio | 19.3727% | 1,729 |
| Memoranda: | ||
| Average total assets | $214,822,670 | 2,736 |
| Average earning assets | $194,483,670 | 2,784 |
| Average equity | $30,783,000 | 2,366 |
| Average total loans | $143,099,670 | 2,728 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4806% | 2,935 |
| Cost of funding earning assets | 0.8031% | 2,520 |
| Net interest margin | 3.6776% | 2,977 |
| Noninterest income to average assets | 0.2525% | 4,205 |
| Noninterest expense to average assets | 2.4285% | 3,688 |
| Loan and lease loss provision to assets | 0.3880% | 299 |
| Net operating income to assets | 0.6053% | 4,225 |
| Return on assets (ROA) | 0.6053% | 4,265 |
| Pretax return on assets | 0.7519% | 4,168 |
| Return on Equity (ROE) | 4.3274% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.3274% | 3,193 |
| Net charge-offs to loans | 0.8072% | 185 |
| Credit loss provision to net charge-offs | 72.0690% | 1,836 |
| Earnings coverage of net charge-offs (x) | 2.1172% | 2,527 |
| Efficiency ratio | 65.0884% | 3,072 |
| Assets per employee ($millions) | 5.9546% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 1,641 |
| Loan loss allowance to noncurrent loans | 98.0695% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0785% | 1,283 |
| Noncurrent loans to loans | 1.4377% | 1,126 |
| Net loans and leases to total assets | 66.2817% | 3,013 |
| Net loans and leases to deposits | 82.7988% | 2,530 |
| Net loans and leases to core deposits | 90.2747% | 2,473 |
| Total domestic deposits to total assets | 80.0515% | 4,167 |
| Equity capital to assets | 14.2228% | 960 |
| Core capital (leverage) ratio | 12.9444% | 1,299 |
| Tier 1 risk-based capital ratio | 17.3966% | 1,974 |
| Total risk-based capital ratio | 18.6472% | 1,926 |
| Memoranda: | ||
| Average total assets | $215,440,000 | 2,758 |
| Average earning assets | $194,258,000 | 2,812 |
| Average equity | $30,133,500 | 2,402 |
| Average total loans | $143,712,500 | 2,756 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 2,808 |
| Cost of funding earning assets | 0.6208% | 2,584 |
| Net interest margin | 3.7661% | 2,801 |
| Noninterest income to average assets | 0.2896% | 4,167 |
| Noninterest expense to average assets | 2.2804% | 4,168 |
| Loan and lease loss provision to assets | 0.3928% | 356 |
| Net operating income to assets | 0.8165% | 3,742 |
| Return on assets (ROA) | 0.8168% | 3,743 |
| Pretax return on assets | 1.0326% | 3,503 |
| Return on Equity (ROE) | 5.9332% | 4,196 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,473 |
| Net charge-offs to loans | 0.2795% | 694 |
| Credit loss provision to net charge-offs | 215.5612% | 1,344 |
| Earnings coverage of net charge-offs (x) | 7.8189% | 2,953 |
| Efficiency ratio | 58.6826% | 4,051 |
| Assets per employee ($millions) | 6.0240% | 1,503 |
| Cash dividends to net income (ytd only)* | 35.5720% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,407 |
| Loan loss allowance to noncurrent loans | 272.0679% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 2,917 |
| Noncurrent loans to loans | 0.4522% | 2,917 |
| Net loans and leases to total assets | 65.2689% | 3,228 |
| Net loans and leases to deposits | 80.8301% | 2,870 |
| Net loans and leases to core deposits | 88.2895% | 2,730 |
| Total domestic deposits to total assets | 80.7482% | 3,943 |
| Equity capital to assets | 13.8484% | 1,020 |
| Core capital (leverage) ratio | 12.9937% | 1,253 |
| Tier 1 risk-based capital ratio | 17.3683% | 1,930 |
| Total risk-based capital ratio | 18.4951% | 1,929 |
| Memoranda: | ||
| Average total assets | $215,096,600 | 2,733 |
| Average earning assets | $195,083,800 | 2,761 |
| Average equity | $29,613,200 | 2,356 |
| Average total loans | $140,254,200 | 2,767 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2999% | 2,960 |
| Cost of funding earning assets | 0.5998% | 2,478 |
| Net interest margin | 3.7000% | 3,019 |
| Noninterest income to average assets | 0.2988% | 4,150 |
| Noninterest expense to average assets | 2.2665% | 4,176 |
| Loan and lease loss provision to assets | 0.3031% | 482 |
| Net operating income to assets | 0.8610% | 3,695 |
| Return on assets (ROA) | 0.8615% | 3,697 |
| Pretax return on assets | 1.0938% | 3,422 |
| Return on Equity (ROE) | 6.2670% | 4,182 |
| Retained earnings to average equity (ytd only) | 6.2670% | 2,508 |
| Net charge-offs to loans | 0.3479% | 471 |
| Credit loss provision to net charge-offs | 134.0659% | 1,854 |
| Earnings coverage of net charge-offs (x) | 6.1758% | 2,904 |
| Efficiency ratio | 58.9791% | 3,968 |
| Assets per employee ($millions) | 6.0609% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,597 |
| Loan loss allowance to noncurrent loans | 186.7188% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 2,785 |
| Noncurrent loans to loans | 0.5506% | 2,732 |
| Net loans and leases to total assets | 65.0785% | 3,297 |
| Net loans and leases to deposits | 82.2775% | 2,782 |
| Net loans and leases to core deposits | 90.7675% | 2,589 |
| Total domestic deposits to total assets | 79.0963% | 4,300 |
| Equity capital to assets | 14.1154% | 920 |
| Core capital (leverage) ratio | 13.0500% | 1,261 |
| Tier 1 risk-based capital ratio | 17.9015% | 1,818 |
| Total risk-based capital ratio | 18.8394% | 1,864 |
| Memoranda: | ||
| Average total assets | $214,655,000 | 2,750 |
| Average earning assets | $195,164,000 | 2,783 |
| Average equity | $29,508,500 | 2,368 |
| Average total loans | $139,491,000 | 2,789 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 3,044 |
| Cost of funding earning assets | 0.5622% | 2,500 |
| Net interest margin | 3.6607% | 3,076 |
| Noninterest income to average assets | 0.3350% | 3,940 |
| Noninterest expense to average assets | 2.2701% | 4,211 |
| Loan and lease loss provision to assets | 0.2877% | 486 |
| Net operating income to assets | 0.8976% | 3,462 |
| Return on assets (ROA) | 0.8984% | 3,470 |
| Pretax return on assets | 1.1081% | 3,284 |
| Return on Equity (ROE) | 6.5932% | 4,030 |
| Retained earnings to average equity (ytd only) | 6.5932% | 2,263 |
| Net charge-offs to loans | 0.0287% | 2,282 |
| Credit loss provision to net charge-offs | 1,550.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 75.1500% | 856 |
| Efficiency ratio | 59.0529% | 4,077 |
| Assets per employee ($millions) | 6.1398% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,150 |
| Loan loss allowance to noncurrent loans | 111.8099% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 2,241 |
| Noncurrent loans to loans | 1.0019% | 1,746 |
| Net loans and leases to total assets | 65.7186% | 3,186 |
| Net loans and leases to deposits | 82.4406% | 2,720 |
| Net loans and leases to core deposits | 91.5838% | 2,437 |
| Total domestic deposits to total assets | 79.7163% | 4,302 |
| Equity capital to assets | 13.8107% | 983 |
| Core capital (leverage) ratio | 12.7438% | 1,330 |
| Tier 1 risk-based capital ratio | 17.2846% | 2,010 |
| Total risk-based capital ratio | 18.3131% | 2,025 |
| Memoranda: | ||
| Average total assets | $215,496,670 | 2,765 |
| Average earning assets | $196,026,670 | 2,793 |
| Average equity | $29,363,670 | 2,389 |
| Average total loans | $139,493,000 | 2,801 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 3,224 |
| Cost of funding earning assets | 0.5295% | 2,543 |
| Net interest margin | 3.5742% | 3,268 |
| Noninterest income to average assets | 0.2447% | 4,536 |
| Noninterest expense to average assets | 2.2280% | 4,351 |
| Loan and lease loss provision to assets | 0.2502% | 590 |
| Net operating income to assets | 0.8100% | 3,665 |
| Return on assets (ROA) | 0.8100% | 3,674 |
| Pretax return on assets | 1.0195% | 3,466 |
| Return on Equity (ROE) | 5.9850% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.9850% | 2,710 |
| Net charge-offs to loans | 0.0580% | 1,523 |
| Credit loss provision to net charge-offs | 675.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 34.2500% | 1,160 |
| Efficiency ratio | 60.6783% | 3,983 |
| Assets per employee ($millions) | 6.3325% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,765 |
| Loan loss allowance to noncurrent loans | 94.4334% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 2,224 |
| Noncurrent loans to loans | 1.0937% | 1,675 |
| Net loans and leases to total assets | 63.4218% | 3,379 |
| Net loans and leases to deposits | 78.4325% | 2,969 |
| Net loans and leases to core deposits | 87.9527% | 2,633 |
| Total domestic deposits to total assets | 80.8617% | 4,233 |
| Equity capital to assets | 13.5667% | 1,025 |
| Core capital (leverage) ratio | 12.6049% | 1,343 |
| Tier 1 risk-based capital ratio | 17.2548% | 2,047 |
| Total risk-based capital ratio | 18.1898% | 2,083 |
| Memoranda: | ||
| Average total assets | $215,799,000 | 2,790 |
| Average earning assets | $196,408,500 | 2,818 |
| Average equity | $29,206,500 | 2,422 |
| Average total loans | $137,827,500 | 2,841 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,401 |
| Cost of funding earning assets | 0.4986% | 2,343 |
| Net interest margin | 3.5029% | 3,519 |
| Noninterest income to average assets | 0.2432% | 4,680 |
| Noninterest expense to average assets | 2.2947% | 4,341 |
| Loan and lease loss provision to assets | 0.4108% | 354 |
| Net operating income to assets | 0.4635% | 4,480 |
| Return on assets (ROA) | 0.4635% | 4,515 |
| Pretax return on assets | 0.7243% | 4,450 |
| Return on Equity (ROE) | 3.4569% | 4,698 |
| Retained earnings to average equity (ytd only) | 0.3540% | 4,885 |
| Net charge-offs to loans | 0.2175% | 1,195 |
| Credit loss provision to net charge-offs | 284.9593% | 988 |
| Earnings coverage of net charge-offs (x) | 7.8740% | 2,982 |
| Efficiency ratio | 64.6335% | 3,508 |
| Assets per employee ($millions) | 6.1798% | 1,393 |
| Cash dividends to net income (ytd only)* | 89.7598% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,199 |
| Loan loss allowance to noncurrent loans | 85.6209% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8133% | 1,919 |
| Noncurrent loans to loans | 1.1113% | 1,591 |
| Net loans and leases to total assets | 63.0486% | 3,483 |
| Net loans and leases to deposits | 77.1920% | 3,206 |
| Net loans and leases to core deposits | 87.1028% | 2,812 |
| Total domestic deposits to total assets | 81.6775% | 3,945 |
| Equity capital to assets | 13.5017% | 1,062 |
| Core capital (leverage) ratio | 12.7502% | 1,239 |
| Tier 1 risk-based capital ratio | 17.1516% | 2,039 |
| Total risk-based capital ratio | 18.0127% | 2,118 |
| Memoranda: | ||
| Average total assets | $170,656,600 | 3,238 |
| Average earning assets | $155,242,600 | 3,254 |
| Average equity | $22,881,600 | 2,872 |
| Average total loans | $113,126,400 | 3,139 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 3,872 |
| Cost of funding earning assets | 0.4929% | 2,326 |
| Net interest margin | 3.3459% | 4,028 |
| Noninterest income to average assets | 0.2462% | 4,728 |
| Noninterest expense to average assets | 2.1894% | 4,546 |
| Loan and lease loss provision to assets | 0.4739% | 253 |
| Net operating income to assets | 0.4588% | 4,854 |
| Return on assets (ROA) | 0.4588% | 4,885 |
| Pretax return on assets | 0.6346% | 4,769 |
| Return on Equity (ROE) | 3.4301% | 5,003 |
| Retained earnings to average equity (ytd only) | 2.8042% | 4,234 |
| Net charge-offs to loans | 0.2904% | 737 |
| Credit loss provision to net charge-offs | 242.9185% | 1,156 |
| Earnings coverage of net charge-offs (x) | 5.6824% | 3,071 |
| Efficiency ratio | 64.4580% | 3,454 |
| Assets per employee ($millions) | 6.0073% | 1,488 |
| Cash dividends to net income (ytd only)* | 18.2481% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 4,661 |
| Loan loss allowance to noncurrent loans | 80.7065% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 2,342 |
| Noncurrent loans to loans | 1.0869% | 1,772 |
| Net loans and leases to total assets | 63.8461% | 3,428 |
| Net loans and leases to deposits | 81.2944% | 2,847 |
| Net loans and leases to core deposits | 92.8559% | 2,363 |
| Total domestic deposits to total assets | 78.5369% | 4,623 |
| Equity capital to assets | 14.1681% | 951 |
| Core capital (leverage) ratio | 12.7115% | 1,329 |
| Tier 1 risk-based capital ratio | 18.0754% | 1,836 |
| Total risk-based capital ratio | 18.8919% | 1,903 |
| Memoranda: | ||
| Average total assets | $159,247,750 | 3,386 |
| Average earning assets | $145,250,500 | 3,407 |
| Average equity | $21,301,250 | 3,037 |
| Average total loans | $106,988,250 | 3,258 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 5,046 |
| Cost of funding earning assets | 0.4682% | 2,426 |
| Net interest margin | 2.8695% | 5,141 |
| Noninterest income to average assets | 0.2053% | 5,020 |
| Noninterest expense to average assets | 1.9501% | 5,083 |
| Loan and lease loss provision to assets | 0.2250% | 775 |
| Net operating income to assets | 0.4668% | 4,804 |
| Return on assets (ROA) | 0.4668% | 4,831 |
| Pretax return on assets | 0.6496% | 4,686 |
| Return on Equity (ROE) | 3.5946% | 4,953 |
| Retained earnings to average equity (ytd only) | 2.5119% | 4,185 |
| Net charge-offs to loans | 0.4800% | 412 |
| Credit loss provision to net charge-offs | 68.3761% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2.6581% | 3,138 |
| Efficiency ratio | 68.0936% | 2,998 |
| Assets per employee ($millions) | 5.8476% | 1,580 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5621% | 5,438 |
| Loan loss allowance to noncurrent loans | 44.0994% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 2,008 |
| Noncurrent loans to loans | 1.2747% | 1,517 |
| Net loans and leases to total assets | 63.8551% | 3,405 |
| Net loans and leases to deposits | 81.1514% | 2,788 |
| Net loans and leases to core deposits | 93.7160% | 2,179 |
| Total domestic deposits to total assets | 78.6864% | 4,692 |
| Equity capital to assets | 13.6684% | 1,082 |
| Core capital (leverage) ratio | 12.3442% | 1,445 |
| Tier 1 risk-based capital ratio | 17.0604% | 2,146 |
| Total risk-based capital ratio | 17.5719% | 2,331 |
| Memoranda: | ||
| Average total assets | $142,245,670 | 3,631 |
| Average earning assets | $129,847,330 | 3,642 |
| Average equity | $18,472,000 | 3,337 |
| Average total loans | $97,508,670 | 3,435 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 3,595 |
| Cost of funding earning assets | 0.4486% | 2,534 |
| Net interest margin | 3.3974% | 3,659 |
| Noninterest income to average assets | 0.3270% | 4,206 |
| Noninterest expense to average assets | 2.4451% | 3,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6807% | 3,788 |
| Return on assets (ROA) | 0.6807% | 3,825 |
| Pretax return on assets | 0.9925% | 3,401 |
| Return on Equity (ROE) | 5.5412% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.5412% | 2,575 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1283% | 2,714 |
| Assets per employee ($millions) | 5.1818% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,374 |
| Loan loss allowance to noncurrent loans | 295.8838% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 3,057 |
| Noncurrent loans to loans | 0.5416% | 3,195 |
| Net loans and leases to total assets | 72.4024% | 2,016 |
| Net loans and leases to deposits | 88.4868% | 1,729 |
| Net loans and leases to core deposits | 90.6165% | 2,302 |
| Total domestic deposits to total assets | 81.8229% | 4,214 |
| Equity capital to assets | 12.5709% | 1,486 |
| Core capital (leverage) ratio | 12.5881% | 1,294 |
| Tier 1 risk-based capital ratio | 16.6371% | 2,306 |
| Total risk-based capital ratio | 17.8906% | 2,266 |
| Memoranda: | ||
| Average total assets | $105,188,500 | 4,264 |
| Average earning assets | $96,308,000 | 4,266 |
| Average equity | $12,921,500 | 4,073 |
| Average total loans | $76,794,000 | 3,886 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 3,726 |
| Cost of funding earning assets | 0.3933% | 3,059 |
| Net interest margin | 3.4608% | 3,582 |
| Noninterest income to average assets | 0.3361% | 4,333 |
| Noninterest expense to average assets | 2.3715% | 4,366 |
| Loan and lease loss provision to assets | 0.0189% | 3,996 |
| Net operating income to assets | 0.7346% | 3,620 |
| Return on assets (ROA) | 0.7346% | 3,731 |
| Pretax return on assets | 1.1114% | 3,059 |
| Return on Equity (ROE) | 6.1234% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.0581% | 2,308 |
| Net charge-offs to loans | 0.1098% | 2,173 |
| Credit loss provision to net charge-offs | 24.0964% | 3,640 |
| Earnings coverage of net charge-offs (x) | 14.3855% | 2,298 |
| Efficiency ratio | 67.7210% | 3,297 |
| Assets per employee ($millions) | 5.3371% | 2,016 |
| Cash dividends to net income (ytd only)* | 17.3969% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 1,422 |
| Loan loss allowance to noncurrent loans | 289.5735% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 3,135 |
| Noncurrent loans to loans | 0.5457% | 3,207 |
| Net loans and leases to total assets | 71.3025% | 2,277 |
| Net loans and leases to deposits | 88.0799% | 1,916 |
| Net loans and leases to core deposits | 90.4466% | 2,463 |
| Total domestic deposits to total assets | 80.9520% | 4,349 |
| Equity capital to assets | 12.0057% | 1,803 |
| Core capital (leverage) ratio | 12.3292% | 1,421 |
| Tier 1 risk-based capital ratio | 16.2695% | 2,437 |
| Total risk-based capital ratio | 17.5237% | 2,374 |
| Memoranda: | ||
| Average total assets | $105,630,600 | 4,246 |
| Average earning assets | $96,625,800 | 4,260 |
| Average equity | $12,672,800 | 4,141 |
| Average total loans | $75,595,000 | 3,909 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 3,781 |
| Cost of funding earning assets | 0.3917% | 3,109 |
| Net interest margin | 3.4534% | 3,657 |
| Noninterest income to average assets | 0.3468% | 4,307 |
| Noninterest expense to average assets | 2.3223% | 4,483 |
| Loan and lease loss provision to assets | 0.0253% | 3,740 |
| Net operating income to assets | 0.7948% | 3,391 |
| Return on assets (ROA) | 0.7948% | 3,531 |
| Pretax return on assets | 1.1567% | 3,018 |
| Return on Equity (ROE) | 6.6257% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.9083% | 2,232 |
| Net charge-offs to loans | 0.1295% | 1,668 |
| Credit loss provision to net charge-offs | 27.3973% | 3,245 |
| Earnings coverage of net charge-offs (x) | 12.7946% | 2,356 |
| Efficiency ratio | 66.2694% | 3,548 |
| Assets per employee ($millions) | 4.9786% | 2,392 |
| Cash dividends to net income (ytd only)* | 10.8275% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 1,431 |
| Loan loss allowance to noncurrent loans | 210.9589% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8713% | 2,369 |
| Noncurrent loans to loans | 0.7648% | 2,760 |
| Net loans and leases to total assets | 71.8539% | 2,217 |
| Net loans and leases to deposits | 89.6158% | 1,808 |
| Net loans and leases to core deposits | 92.1134% | 2,366 |
| Total domestic deposits to total assets | 80.1800% | 4,475 |
| Equity capital to assets | 12.3720% | 1,857 |
| Core capital (leverage) ratio | 12.3184% | 1,474 |
| Tier 1 risk-based capital ratio | 16.3263% | 2,483 |
| Total risk-based capital ratio | 17.5800% | 2,438 |
| Memoranda: | ||
| Average total assets | $105,353,000 | 4,291 |
| Average earning assets | $96,327,250 | 4,300 |
| Average equity | $12,637,250 | 4,187 |
| Average total loans | $75,161,000 | 3,949 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 4,004 |
| Cost of funding earning assets | 0.3889% | 3,160 |
| Net interest margin | 3.3970% | 3,908 |
| Noninterest income to average assets | 0.3560% | 4,225 |
| Noninterest expense to average assets | 2.3196% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7896% | 3,359 |
| Return on assets (ROA) | 0.7896% | 3,501 |
| Pretax return on assets | 1.1456% | 3,004 |
| Return on Equity (ROE) | 6.6518% | 3,721 |
| Retained earnings to average equity (ytd only) | 5.5671% | 2,382 |
| Net charge-offs to loans | 0.1926% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.4028% | 2,515 |
| Efficiency ratio | 66.9399% | 3,549 |
| Assets per employee ($millions) | 4.7657% | 2,607 |
| Cash dividends to net income (ytd only)* | 16.3070% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 1,708 |
| Loan loss allowance to noncurrent loans | 189.5313% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 2,253 |
| Noncurrent loans to loans | 0.8136% | 2,710 |
| Net loans and leases to total assets | 73.8731% | 1,866 |
| Net loans and leases to deposits | 94.6037% | 1,229 |
| Net loans and leases to core deposits | 96.4678% | 1,935 |
| Total domestic deposits to total assets | 78.0869% | 4,984 |
| Equity capital to assets | 12.1750% | 1,991 |
| Core capital (leverage) ratio | 12.0554% | 1,588 |
| Tier 1 risk-based capital ratio | 15.9229% | 2,678 |
| Total risk-based capital ratio | 17.1764% | 2,617 |
| Memoranda: | ||
| Average total assets | $105,620,330 | 4,322 |
| Average earning assets | $96,674,000 | 4,332 |
| Average equity | $12,538,000 | 4,226 |
| Average total loans | $74,762,670 | 3,983 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,250 |
| Cost of funding earning assets | 0.3881% | 3,212 |
| Net interest margin | 3.3318% | 4,105 |
| Noninterest income to average assets | 0.3547% | 4,192 |
| Noninterest expense to average assets | 2.3281% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7433% | 3,519 |
| Return on assets (ROA) | 0.7433% | 3,626 |
| Pretax return on assets | 1.0716% | 3,200 |
| Return on Equity (ROE) | 6.3423% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.3423% | 2,210 |
| Net charge-offs to loans | 0.1868% | 1,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.3529% | 2,060 |
| Efficiency ratio | 68.4795% | 3,379 |
| Assets per employee ($millions) | 4.9464% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 1,357 |
| Loan loss allowance to noncurrent loans | 225.8123% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 2,476 |
| Noncurrent loans to loans | 0.7552% | 2,948 |
| Net loans and leases to total assets | 69.4216% | 2,435 |
| Net loans and leases to deposits | 85.8342% | 2,077 |
| Net loans and leases to core deposits | 87.4762% | 2,615 |
| Total domestic deposits to total assets | 80.8788% | 4,530 |
| Equity capital to assets | 12.0935% | 1,962 |
| Core capital (leverage) ratio | 11.8184% | 1,732 |
| Tier 1 risk-based capital ratio | 16.9262% | 2,314 |
| Total risk-based capital ratio | 18.1823% | 2,261 |
| Memoranda: | ||
| Average total assets | $106,007,500 | 4,347 |
| Average earning assets | $96,884,500 | 4,364 |
| Average equity | $12,424,500 | 4,256 |
| Average total loans | $72,811,000 | 4,052 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8058% | 4,027 |
| Cost of funding earning assets | 0.3948% | 3,211 |
| Net interest margin | 3.4109% | 3,865 |
| Noninterest income to average assets | 0.2917% | 4,804 |
| Noninterest expense to average assets | 2.3413% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7321% | 3,663 |
| Return on assets (ROA) | 0.7321% | 3,757 |
| Pretax return on assets | 1.0553% | 3,243 |
| Return on Equity (ROE) | 6.4170% | 3,831 |
| Retained earnings to average equity (ytd only) | 5.4561% | 2,102 |
| Net charge-offs to loans | 0.1167% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 13.1786% | 2,392 |
| Efficiency ratio | 68.9307% | 3,415 |
| Assets per employee ($millions) | 4.9155% | 2,454 |
| Cash dividends to net income (ytd only)* | 14.9740% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 1,173 |
| Loan loss allowance to noncurrent loans | 195.2888% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 2,308 |
| Noncurrent loans to loans | 0.9106% | 2,516 |
| Net loans and leases to total assets | 65.6319% | 3,036 |
| Net loans and leases to deposits | 79.8073% | 2,840 |
| Net loans and leases to core deposits | 81.7157% | 3,179 |
| Total domestic deposits to total assets | 82.2380% | 4,099 |
| Equity capital to assets | 11.3620% | 2,482 |
| Core capital (leverage) ratio | 11.7494% | 1,783 |
| Tier 1 risk-based capital ratio | 16.9319% | 2,305 |
| Total risk-based capital ratio | 18.1879% | 2,253 |
| Memoranda: | ||
| Average total assets | $104,897,400 | 4,362 |
| Average earning assets | $95,487,000 | 4,400 |
| Average equity | $11,968,200 | 4,314 |
| Average total loans | $71,982,200 | 4,043 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 4,025 |
| Cost of funding earning assets | 0.3982% | 3,244 |
| Net interest margin | 3.4216% | 3,867 |
| Noninterest income to average assets | 0.2639% | 5,050 |
| Noninterest expense to average assets | 2.3595% | 4,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7109% | 3,858 |
| Return on assets (ROA) | 0.7109% | 3,962 |
| Pretax return on assets | 1.0196% | 3,539 |
| Return on Equity (ROE) | 6.2243% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.5963% | 2,524 |
| Net charge-offs to loans | 0.2318% | 1,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.3681% | 3,059 |
| Efficiency ratio | 69.8256% | 3,237 |
| Assets per employee ($millions) | 4.6538% | 2,763 |
| Cash dividends to net income (ytd only)* | 10.0895% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7261% | 1,413 |
| Loan loss allowance to noncurrent loans | 217.1030% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.8576% | 2,738 |
| Noncurrent loans to loans | 0.7950% | 2,973 |
| Net loans and leases to total assets | 69.1778% | 2,510 |
| Net loans and leases to deposits | 83.1693% | 2,510 |
| Net loans and leases to core deposits | 85.2598% | 2,928 |
| Total domestic deposits to total assets | 83.1771% | 3,742 |
| Equity capital to assets | 11.8983% | 2,180 |
| Core capital (leverage) ratio | 11.7052% | 1,882 |
| Tier 1 risk-based capital ratio | 16.6740% | 2,490 |
| Total risk-based capital ratio | 17.9295% | 2,446 |
| Memoranda: | ||
| Average total assets | $104,086,500 | 4,426 |
| Average earning assets | $94,767,000 | 4,466 |
| Average equity | $11,888,500 | 4,376 |
| Average total loans | $71,912,750 | 4,083 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 4,156 |
| Cost of funding earning assets | 0.3963% | 3,316 |
| Net interest margin | 3.3778% | 3,976 |
| Noninterest income to average assets | 0.2198% | 5,389 |
| Noninterest expense to average assets | 2.3544% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6593% | 4,077 |
| Return on assets (ROA) | 0.6593% | 4,179 |
| Pretax return on assets | 0.9441% | 3,791 |
| Return on Equity (ROE) | 5.8521% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.9022% | 2,920 |
| Net charge-offs to loans | 0.1225% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.2273% | 2,310 |
| Efficiency ratio | 71.3789% | 3,098 |
| Assets per employee ($millions) | 4.9781% | 2,305 |
| Cash dividends to net income (ytd only)* | 16.2319% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 1,316 |
| Loan loss allowance to noncurrent loans | 196.2963% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.9374% | 2,660 |
| Noncurrent loans to loans | 0.9318% | 2,804 |
| Net loans and leases to total assets | 68.0259% | 2,640 |
| Net loans and leases to deposits | 82.8363% | 2,456 |
| Net loans and leases to core deposits | 84.8952% | 2,894 |
| Total domestic deposits to total assets | 82.1209% | 4,256 |
| Equity capital to assets | 11.3764% | 2,511 |
| Core capital (leverage) ratio | 11.5017% | 1,988 |
| Tier 1 risk-based capital ratio | 16.4025% | 2,659 |
| Total risk-based capital ratio | 17.6594% | 2,612 |
| Memoranda: | ||
| Average total assets | $104,654,000 | 4,450 |
| Average earning assets | $95,387,670 | 4,484 |
| Average equity | $11,790,670 | 4,416 |
| Average total loans | $71,860,000 | 4,113 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 4,177 |
| Cost of funding earning assets | 0.3991% | 3,315 |
| Net interest margin | 3.3569% | 3,997 |
| Noninterest income to average assets | 0.0611% | 6,201 |
| Noninterest expense to average assets | 2.3646% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5424% | 4,503 |
| Return on assets (ROA) | 0.5424% | 4,616 |
| Pretax return on assets | 0.7487% | 4,435 |
| Return on Equity (ROE) | 4.8384% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.8384% | 3,153 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9509% | 2,524 |
| Assets per employee ($millions) | 4.3550% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9279% | 1,231 |
| Loan loss allowance to noncurrent loans | 232.0339% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 3,225 |
| Noncurrent loans to loans | 0.8309% | 3,166 |
| Net loans and leases to total assets | 66.6278% | 2,666 |
| Net loans and leases to deposits | 81.1485% | 2,429 |
| Net loans and leases to core deposits | 83.3104% | 2,837 |
| Total domestic deposits to total assets | 82.1060% | 4,481 |
| Equity capital to assets | 11.3135% | 2,632 |
| Core capital (leverage) ratio | 11.2727% | 2,175 |
| Tier 1 risk-based capital ratio | 16.6387% | 2,617 |
| Total risk-based capital ratio | 17.8971% | 2,571 |
| Memoranda: | ||
| Average total assets | $104,710,500 | 4,484 |
| Average earning assets | $95,205,500 | 4,527 |
| Average equity | $11,739,500 | 4,461 |
| Average total loans | $71,570,000 | 4,144 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 3,812 |
| Cost of funding earning assets | 0.4546% | 3,125 |
| Net interest margin | 3.5208% | 3,714 |
| Noninterest income to average assets | 0.3538% | 4,573 |
| Noninterest expense to average assets | 2.4228% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7607% | 3,562 |
| Return on assets (ROA) | 0.7444% | 3,755 |
| Pretax return on assets | 1.0784% | 3,173 |
| Return on Equity (ROE) | 6.9897% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.0152% | 1,920 |
| Net charge-offs to loans | 0.0598% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 26.5455% | 1,460 |
| Efficiency ratio | 68.7366% | 3,762 |
| Assets per employee ($millions) | 4.3708% | 3,233 |
| Cash dividends to net income (ytd only)* | 13.9417% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 1,317 |
| Loan loss allowance to noncurrent loans | 426.4798% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 3,517 |
| Noncurrent loans to loans | 0.4450% | 4,310 |
| Net loans and leases to total assets | 67.4566% | 2,653 |
| Net loans and leases to deposits | 81.1994% | 2,578 |
| Net loans and leases to core deposits | 83.3249% | 2,971 |
| Total domestic deposits to total assets | 83.0753% | 4,051 |
| Equity capital to assets | 11.1096% | 2,793 |
| Core capital (leverage) ratio | 11.4066% | 2,054 |
| Tier 1 risk-based capital ratio | 16.3700% | 2,775 |
| Total risk-based capital ratio | 17.6288% | 2,715 |
| Memoranda: | ||
| Average total assets | $105,991,000 | 4,457 |
| Average earning assets | $95,461,400 | 4,522 |
| Average equity | $11,288,000 | 4,500 |
| Average total loans | $73,536,200 | 4,075 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 3,771 |
| Cost of funding earning assets | 0.4687% | 3,062 |
| Net interest margin | 3.5281% | 3,724 |
| Noninterest income to average assets | 0.3463% | 4,669 |
| Noninterest expense to average assets | 2.4166% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7689% | 3,572 |
| Return on assets (ROA) | 0.7302% | 3,889 |
| Pretax return on assets | 1.0477% | 3,390 |
| Return on Equity (ROE) | 6.9306% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.2875% | 2,225 |
| Net charge-offs to loans | -0.0325% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6631% | 3,737 |
| Assets per employee ($millions) | 4.2953% | 3,302 |
| Cash dividends to net income (ytd only)* | 9.2786% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 1,381 |
| Loan loss allowance to noncurrent loans | 247.1503% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 2,984 |
| Noncurrent loans to loans | 0.7829% | 3,624 |
| Net loans and leases to total assets | 70.3529% | 2,137 |
| Net loans and leases to deposits | 84.8323% | 2,055 |
| Net loans and leases to core deposits | 86.2283% | 2,640 |
| Total domestic deposits to total assets | 82.9317% | 4,174 |
| Equity capital to assets | 11.1499% | 2,813 |
| Core capital (leverage) ratio | 11.1243% | 2,373 |
| Tier 1 risk-based capital ratio | 16.3916% | 2,856 |
| Total risk-based capital ratio | 17.6515% | 2,809 |
| Memoranda: | ||
| Average total assets | $106,263,750 | 4,494 |
| Average earning assets | $95,574,000 | 4,558 |
| Average equity | $11,196,500 | 4,552 |
| Average total loans | $73,887,500 | 4,094 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,769 |
| Cost of funding earning assets | 0.4724% | 3,093 |
| Net interest margin | 3.5167% | 3,713 |
| Noninterest income to average assets | 0.3280% | 4,790 |
| Noninterest expense to average assets | 2.3853% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7637% | 3,495 |
| Return on assets (ROA) | 0.7063% | 3,896 |
| Pretax return on assets | 1.0100% | 3,438 |
| Return on Equity (ROE) | 6.8305% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.8573% | 2,411 |
| Net charge-offs to loans | -0.0244% | 5,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5959% | 3,901 |
| Assets per employee ($millions) | 4.5234% | 2,889 |
| Cash dividends to net income (ytd only)* | 14.2480% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 1,435 |
| Loan loss allowance to noncurrent loans | 188.0952% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 3,104 |
| Noncurrent loans to loans | 1.0418% | 3,152 |
| Net loans and leases to total assets | 68.3830% | 2,351 |
| Net loans and leases to deposits | 82.3991% | 2,208 |
| Net loans and leases to core deposits | 87.0904% | 2,412 |
| Total domestic deposits to total assets | 82.9900% | 4,311 |
| Equity capital to assets | 10.8901% | 2,987 |
| Core capital (leverage) ratio | 10.7271% | 2,688 |
| Tier 1 risk-based capital ratio | 16.2776% | 2,940 |
| Total risk-based capital ratio | 17.5370% | 2,882 |
| Memoranda: | ||
| Average total assets | $107,323,000 | 4,506 |
| Average earning assets | $96,111,670 | 4,577 |
| Average equity | $11,097,330 | 4,587 |
| Average total loans | $73,865,000 | 4,107 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 4,096 |
| Cost of funding earning assets | 0.4794% | 3,115 |
| Net interest margin | 3.4175% | 4,037 |
| Noninterest income to average assets | 0.3414% | 4,648 |
| Noninterest expense to average assets | 2.2686% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7865% | 3,220 |
| Return on assets (ROA) | 0.6718% | 3,920 |
| Pretax return on assets | 0.9471% | 3,530 |
| Return on Equity (ROE) | 6.6661% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.6661% | 2,205 |
| Net charge-offs to loans | -0.0054% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1739% | 4,334 |
| Assets per employee ($millions) | 4.4990% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 1,778 |
| Loan loss allowance to noncurrent loans | 183.8752% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 3,338 |
| Noncurrent loans to loans | 1.0290% | 3,368 |
| Net loans and leases to total assets | 67.9052% | 2,234 |
| Net loans and leases to deposits | 83.0759% | 1,937 |
| Net loans and leases to core deposits | 87.6921% | 2,130 |
| Total domestic deposits to total assets | 81.7387% | 5,017 |
| Equity capital to assets | 10.2994% | 3,473 |
| Core capital (leverage) ratio | 10.4495% | 2,991 |
| Tier 1 risk-based capital ratio | 14.7843% | 3,825 |
| Total risk-based capital ratio | 16.0416% | 3,773 |
| Memoranda: | ||
| Average total assets | $108,965,000 | 4,509 |
| Average earning assets | $96,795,000 | 4,602 |
| Average equity | $10,981,000 | 4,619 |
| Average total loans | $74,514,000 | 4,121 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 3,277 |
| Cost of funding earning assets | 0.5693% | 2,930 |
| Net interest margin | 3.6491% | 3,245 |
| Noninterest income to average assets | 0.3410% | 4,874 |
| Noninterest expense to average assets | 2.3092% | 5,355 |
| Loan and lease loss provision to assets | 0.0855% | 3,403 |
| Net operating income to assets | 0.8492% | 3,038 |
| Return on assets (ROA) | 0.8492% | 3,115 |
| Pretax return on assets | 1.2339% | 2,440 |
| Return on Equity (ROE) | 8.4309% | 2,809 |
| Retained earnings to average equity (ytd only) | 7.4973% | 1,235 |
| Net charge-offs to loans | 0.0484% | 4,548 |
| Credit loss provision to net charge-offs | 243.2432% | 941 |
| Earnings coverage of net charge-offs (x) | 37.5405% | 999 |
| Efficiency ratio | 63.6387% | 4,968 |
| Assets per employee ($millions) | 5.2359% | 1,917 |
| Cash dividends to net income (ytd only)* | 11.0738% | 4,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9020% | 1,776 |
| Loan loss allowance to noncurrent loans | 141.1588% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 3,609 |
| Noncurrent loans to loans | 1.3474% | 2,885 |
| Net loans and leases to total assets | 66.2820% | 2,653 |
| Net loans and leases to deposits | 78.1192% | 2,708 |
| Net loans and leases to core deposits | 82.6602% | 2,816 |
| Total domestic deposits to total assets | 84.8472% | 3,830 |
| Equity capital to assets | 9.8597% | 3,954 |
| Core capital (leverage) ratio | 10.4520% | 2,962 |
| Tier 1 risk-based capital ratio | 14.4681% | 3,972 |
| Total risk-based capital ratio | 15.7178% | 3,913 |
| Memoranda: | ||
| Average total assets | $105,272,400 | 4,617 |
| Average earning assets | $94,845,800 | 4,655 |
| Average equity | $10,603,800 | 4,718 |
| Average total loans | $76,422,800 | 4,046 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 3,254 |
| Cost of funding earning assets | 0.5914% | 2,883 |
| Net interest margin | 3.6430% | 3,266 |
| Noninterest income to average assets | 0.3381% | 4,989 |
| Noninterest expense to average assets | 2.2951% | 5,359 |
| Loan and lease loss provision to assets | 0.1153% | 2,846 |
| Net operating income to assets | 0.8530% | 3,086 |
| Return on assets (ROA) | 0.8530% | 3,199 |
| Pretax return on assets | 1.2334% | 2,570 |
| Return on Equity (ROE) | 8.4213% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.8522% | 1,480 |
| Net charge-offs to loans | 0.0953% | 3,610 |
| Credit loss provision to net charge-offs | 163.6364% | 1,451 |
| Earnings coverage of net charge-offs (x) | 19.1458% | 1,641 |
| Efficiency ratio | 62.9877% | 4,992 |
| Assets per employee ($millions) | 4.9129% | 2,282 |
| Cash dividends to net income (ytd only)* | 6.7569% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 2,347 |
| Loan loss allowance to noncurrent loans | 96.2069% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.4607% | 2,755 |
| Noncurrent loans to loans | 1.8560% | 2,427 |
| Net loans and leases to total assets | 74.3714% | 1,237 |
| Net loans and leases to deposits | 87.8680% | 1,377 |
| Net loans and leases to core deposits | 93.4910% | 1,620 |
| Total domestic deposits to total assets | 84.6399% | 3,908 |
| Equity capital to assets | 10.3887% | 3,405 |
| Core capital (leverage) ratio | 10.3230% | 3,207 |
| Tier 1 risk-based capital ratio | 13.9571% | 4,464 |
| Total risk-based capital ratio | 15.2070% | 4,414 |
| Memoranda: | ||
| Average total assets | $104,102,250 | 4,690 |
| Average earning assets | $94,463,250 | 4,714 |
| Average equity | $10,544,500 | 4,785 |
| Average total loans | $76,955,500 | 4,058 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 3,411 |
| Cost of funding earning assets | 0.6035% | 2,904 |
| Net interest margin | 3.5873% | 3,416 |
| Noninterest income to average assets | 0.3237% | 5,119 |
| Noninterest expense to average assets | 2.3522% | 5,198 |
| Loan and lease loss provision to assets | 0.1724% | 2,183 |
| Net operating income to assets | 0.7432% | 3,604 |
| Return on assets (ROA) | 0.7432% | 3,757 |
| Pretax return on assets | 1.0554% | 3,274 |
| Return on Equity (ROE) | 7.3999% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.5416% | 2,123 |
| Net charge-offs to loans | 0.1567% | 2,847 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 10.6833% | 2,135 |
| Efficiency ratio | 65.7036% | 4,601 |
| Assets per employee ($millions) | 4.5555% | 2,726 |
| Cash dividends to net income (ytd only)* | 11.5979% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 2,506 |
| Loan loss allowance to noncurrent loans | 89.1597% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.5528% | 2,781 |
| Noncurrent loans to loans | 1.9936% | 2,407 |
| Net loans and leases to total assets | 73.3078% | 1,356 |
| Net loans and leases to deposits | 88.2193% | 1,315 |
| Net loans and leases to core deposits | 93.5930% | 1,556 |
| Total domestic deposits to total assets | 83.0973% | 4,666 |
| Equity capital to assets | 9.9651% | 3,962 |
| Core capital (leverage) ratio | 9.9843% | 3,551 |
| Tier 1 risk-based capital ratio | 13.4946% | 4,775 |
| Total risk-based capital ratio | 14.7445% | 4,728 |
| Memoranda: | ||
| Average total assets | $104,413,000 | 4,717 |
| Average earning assets | $94,778,330 | 4,736 |
| Average equity | $10,486,670 | 4,835 |
| Average total loans | $76,566,000 | 4,085 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 3,216 |
| Cost of funding earning assets | 0.6203% | 2,923 |
| Net interest margin | 3.5993% | 3,270 |
| Noninterest income to average assets | 0.3300% | 5,061 |
| Noninterest expense to average assets | 2.2220% | 5,631 |
| Loan and lease loss provision to assets | 0.1727% | 2,136 |
| Net operating income to assets | 0.8328% | 2,994 |
| Return on assets (ROA) | 0.8328% | 3,136 |
| Pretax return on assets | 1.2088% | 2,538 |
| Return on Equity (ROE) | 8.2592% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.2592% | 1,659 |
| Net charge-offs to loans | 0.1954% | 2,244 |
| Credit loss provision to net charge-offs | 121.6216% | 1,581 |
| Earnings coverage of net charge-offs (x) | 9.7297% | 1,811 |
| Efficiency ratio | 61.6613% | 5,352 |
| Assets per employee ($millions) | 4.9905% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 2,628 |
| Loan loss allowance to noncurrent loans | 223.8953% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 4,692 |
| Noncurrent loans to loans | 0.8033% | 4,518 |
| Net loans and leases to total assets | 71.2758% | 1,478 |
| Net loans and leases to deposits | 85.1403% | 1,453 |
| Net loans and leases to core deposits | 86.9642% | 2,017 |
| Total domestic deposits to total assets | 83.7156% | 4,585 |
| Equity capital to assets | 10.1135% | 3,997 |
| Core capital (leverage) ratio | 9.8764% | 3,562 |
| Tier 1 risk-based capital ratio | 13.7651% | 4,683 |
| Total risk-based capital ratio | 15.0222% | 4,641 |
| Memoranda: | ||
| Average total assets | $104,231,500 | 4,767 |
| Average earning assets | $94,797,000 | 4,771 |
| Average equity | $10,509,500 | 4,883 |
| Average total loans | $75,749,500 | 4,139 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 3,656 |
| Cost of funding earning assets | 0.7894% | 2,753 |
| Net interest margin | 3.6508% | 3,871 |
| Noninterest income to average assets | 0.3184% | 5,178 |
| Noninterest expense to average assets | 2.2305% | 5,856 |
| Loan and lease loss provision to assets | 0.2400% | 2,729 |
| Net operating income to assets | 0.8140% | 3,225 |
| Return on assets (ROA) | 0.8140% | 3,471 |
| Pretax return on assets | 1.1687% | 2,907 |
| Return on Equity (ROE) | 8.2923% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.3742% | 1,383 |
| Net charge-offs to loans | -0.0512% | 6,712 |
| Credit loss provision to net charge-offs | -680.5556% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2921% | 5,344 |
| Assets per employee ($millions) | 4.7120% | 2,630 |
| Cash dividends to net income (ytd only)* | 11.0710% | 4,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8029% | 2,574 |
| Loan loss allowance to noncurrent loans | 206.0606% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 4,665 |
| Noncurrent loans to loans | 0.8749% | 4,429 |
| Net loans and leases to total assets | 71.4565% | 1,582 |
| Net loans and leases to deposits | 84.5555% | 1,690 |
| Net loans and leases to core deposits | 87.0220% | 2,186 |
| Total domestic deposits to total assets | 84.5085% | 4,080 |
| Equity capital to assets | 10.0518% | 4,100 |
| Core capital (leverage) ratio | 10.0418% | 3,346 |
| Tier 1 risk-based capital ratio | 13.4587% | 4,781 |
| Total risk-based capital ratio | 14.6755% | 4,760 |
| Memoranda: | ||
| Average total assets | $102,083,200 | 4,777 |
| Average earning assets | $92,856,800 | 4,778 |
| Average equity | $10,021,400 | 4,978 |
| Average total loans | $70,250,200 | 4,352 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 3,749 |
| Cost of funding earning assets | 0.8234% | 2,747 |
| Net interest margin | 3.6469% | 4,016 |
| Noninterest income to average assets | 0.3645% | 4,909 |
| Noninterest expense to average assets | 2.2447% | 5,832 |
| Loan and lease loss provision to assets | 0.2753% | 2,374 |
| Net operating income to assets | 0.8169% | 3,364 |
| Return on assets (ROA) | 0.8169% | 3,607 |
| Pretax return on assets | 1.1722% | 3,091 |
| Return on Equity (ROE) | 8.3720% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.8613% | 1,679 |
| Net charge-offs to loans | -0.0561% | 6,739 |
| Credit loss provision to net charge-offs | -724.1379% | 6,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7955% | 5,357 |
| Assets per employee ($millions) | 4.7903% | 2,463 |
| Cash dividends to net income (ytd only)* | 6.1000% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 2,569 |
| Loan loss allowance to noncurrent loans | 1,037.7953% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 4,779 |
| Noncurrent loans to loans | 0.1805% | 6,159 |
| Net loans and leases to total assets | 68.6452% | 2,185 |
| Net loans and leases to deposits | 81.7490% | 2,157 |
| Net loans and leases to core deposits | 84.7498% | 2,610 |
| Total domestic deposits to total assets | 83.9707% | 4,238 |
| Equity capital to assets | 10.2468% | 4,143 |
| Core capital (leverage) ratio | 9.9187% | 3,668 |
| Tier 1 risk-based capital ratio | 13.8927% | 4,615 |
| Total risk-based capital ratio | 15.1487% | 4,567 |
| Memoranda: | ||
| Average total assets | $101,688,250 | 4,832 |
| Average earning assets | $92,787,750 | 4,829 |
| Average equity | $9,921,750 | 5,042 |
| Average total loans | $68,954,250 | 4,431 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 3,764 |
| Cost of funding earning assets | 0.8536% | 2,773 |
| Net interest margin | 3.6466% | 4,055 |
| Noninterest income to average assets | 0.3508% | 5,034 |
| Noninterest expense to average assets | 2.2538% | 5,859 |
| Loan and lease loss provision to assets | 0.4116% | 1,596 |
| Net operating income to assets | 0.7173% | 3,772 |
| Return on assets (ROA) | 0.7173% | 4,041 |
| Pretax return on assets | 1.0093% | 3,666 |
| Return on Equity (ROE) | 7.4747% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.6987% | 2,273 |
| Net charge-offs to loans | -0.0672% | 6,745 |
| Credit loss provision to net charge-offs | -913.0435% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3333% | 5,362 |
| Assets per employee ($millions) | 4.7647% | 2,492 |
| Cash dividends to net income (ytd only)* | 10.3825% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 2,533 |
| Loan loss allowance to noncurrent loans | 1,009.2308% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 4,848 |
| Noncurrent loans to loans | 0.1889% | 6,207 |
| Net loans and leases to total assets | 67.4562% | 2,380 |
| Net loans and leases to deposits | 79.6451% | 2,432 |
| Net loans and leases to core deposits | 82.0580% | 2,953 |
| Total domestic deposits to total assets | 84.6960% | 4,005 |
| Equity capital to assets | 9.9891% | 4,353 |
| Core capital (leverage) ratio | 9.5228% | 4,113 |
| Tier 1 risk-based capital ratio | 13.7576% | 4,622 |
| Total risk-based capital ratio | 15.0146% | 4,589 |
| Memoranda: | ||
| Average total assets | $102,052,000 | 4,854 |
| Average earning assets | $93,019,000 | 4,847 |
| Average equity | $9,793,000 | 5,077 |
| Average total loans | $68,481,330 | 4,472 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 4,257 |
| Cost of funding earning assets | 0.8801% | 2,836 |
| Net interest margin | 3.5372% | 4,536 |
| Noninterest income to average assets | 0.3299% | 5,223 |
| Noninterest expense to average assets | 2.2863% | 5,803 |
| Loan and lease loss provision to assets | 0.8152% | 594 |
| Net operating income to assets | 0.3920% | 5,288 |
| Return on assets (ROA) | 0.3920% | 5,473 |
| Pretax return on assets | 0.4736% | 5,511 |
| Return on Equity (ROE) | 4.1684% | 5,215 |
| Retained earnings to average equity (ytd only) | 4.1684% | 4,091 |
| Net charge-offs to loans | -0.0644% | 6,639 |
| Credit loss provision to net charge-offs | -1,909.0909% | 6,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9522% | 4,933 |
| Assets per employee ($millions) | 4.9407% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9134% | 2,636 |
| Loan loss allowance to noncurrent loans | 193.1649% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 5,070 |
| Noncurrent loans to loans | 0.9906% | 4,692 |
| Net loans and leases to total assets | 64.2308% | 2,811 |
| Net loans and leases to deposits | 78.1908% | 2,474 |
| Net loans and leases to core deposits | 80.7332% | 2,978 |
| Total domestic deposits to total assets | 82.1462% | 5,245 |
| Equity capital to assets | 9.3731% | 5,000 |
| Core capital (leverage) ratio | 9.2814% | 4,393 |
| Tier 1 risk-based capital ratio | 14.1817% | 4,333 |
| Total risk-based capital ratio | 15.4395% | 4,302 |
| Memoranda: | ||
| Average total assets | $103,048,500 | 4,865 |
| Average earning assets | $94,538,500 | 4,834 |
| Average equity | $9,692,000 | 5,121 |
| Average total loans | $68,318,000 | 4,510 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9178% | 3,275 |
| Cost of funding earning assets | 1.0630% | 2,932 |
| Net interest margin | 3.8548% | 3,546 |
| Noninterest income to average assets | 0.4409% | 4,299 |
| Noninterest expense to average assets | 2.4166% | 5,728 |
| Loan and lease loss provision to assets | 0.4159% | 2,509 |
| Net operating income to assets | 0.7924% | 3,070 |
| Return on assets (ROA) | 0.7924% | 3,236 |
| Pretax return on assets | 1.1303% | 2,723 |
| Return on Equity (ROE) | 8.2716% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.2947% | 1,364 |
| Net charge-offs to loans | 0.2677% | 4,092 |
| Credit loss provision to net charge-offs | 216.2162% | 1,130 |
| Earnings coverage of net charge-offs (x) | 8.0378% | 2,224 |
| Efficiency ratio | 60.9814% | 5,609 |
| Assets per employee ($millions) | 4.6520% | 2,680 |
| Cash dividends to net income (ytd only)* | 11.8110% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 3,704 |
| Loan loss allowance to noncurrent loans | 161.0448% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 5,122 |
| Noncurrent loans to loans | 0.9753% | 4,758 |
| Net loans and leases to total assets | 66.0670% | 2,770 |
| Net loans and leases to deposits | 78.4488% | 2,767 |
| Net loans and leases to core deposits | 80.4797% | 3,389 |
| Total domestic deposits to total assets | 84.2168% | 4,228 |
| Equity capital to assets | 9.4379% | 4,981 |
| Core capital (leverage) ratio | 9.4288% | 4,144 |
| Tier 1 risk-based capital ratio | 13.3765% | 4,788 |
| Total risk-based capital ratio | 14.6428% | 4,748 |
| Memoranda: | ||
| Average total assets | $96,167,000 | 5,005 |
| Average earning assets | $87,864,400 | 4,991 |
| Average equity | $9,212,200 | 5,225 |
| Average total loans | $69,097,000 | 4,529 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 2,987 |
| Cost of funding earning assets | 1.1024% | 2,964 |
| Net interest margin | 3.9201% | 3,279 |
| Noninterest income to average assets | 0.4833% | 4,014 |
| Noninterest expense to average assets | 2.4602% | 5,595 |
| Loan and lease loss provision to assets | 0.4439% | 2,255 |
| Net operating income to assets | 0.8074% | 3,125 |
| Return on assets (ROA) | 0.8074% | 3,289 |
| Pretax return on assets | 1.1568% | 2,797 |
| Return on Equity (ROE) | 8.3949% | 2,871 |
| Retained earnings to average equity (ytd only) | 7.7943% | 1,591 |
| Net charge-offs to loans | 0.0116% | 5,989 |
| Credit loss provision to net charge-offs | 5,250.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 189.3288% | 204 |
| Efficiency ratio | 60.5829% | 5,624 |
| Assets per employee ($millions) | 4.5684% | 2,815 |
| Cash dividends to net income (ytd only)* | 7.1559% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 3,371 |
| Loan loss allowance to noncurrent loans | 147.7330% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 4,827 |
| Noncurrent loans to loans | 1.1314% | 4,654 |
| Net loans and leases to total assets | 71.9261% | 1,725 |
| Net loans and leases to deposits | 85.6563% | 1,726 |
| Net loans and leases to core deposits | 88.9982% | 2,359 |
| Total domestic deposits to total assets | 83.9706% | 4,243 |
| Equity capital to assets | 9.8889% | 4,494 |
| Core capital (leverage) ratio | 9.4130% | 4,286 |
| Tier 1 risk-based capital ratio | 12.9853% | 5,109 |
| Total risk-based capital ratio | 14.2347% | 5,076 |
| Memoranda: | ||
| Average total assets | $94,623,000 | 5,086 |
| Average earning assets | $86,356,750 | 5,083 |
| Average equity | $9,100,500 | 5,278 |
| Average total loans | $69,197,750 | 4,563 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 2,881 |
| Cost of funding earning assets | 1.1231% | 3,083 |
| Net interest margin | 3.9354% | 3,148 |
| Noninterest income to average assets | 0.4820% | 4,005 |
| Noninterest expense to average assets | 2.5482% | 5,362 |
| Loan and lease loss provision to assets | 0.4459% | 2,199 |
| Net operating income to assets | 0.7496% | 3,292 |
| Return on assets (ROA) | 0.7496% | 3,416 |
| Pretax return on assets | 1.0596% | 3,012 |
| Return on Equity (ROE) | 7.8692% | 3,002 |
| Retained earnings to average equity (ytd only) | 6.9552% | 1,899 |
| Net charge-offs to loans | 0.0261% | 5,457 |
| Credit loss provision to net charge-offs | 2,333.3333% | 141 |
| Earnings coverage of net charge-offs (x) | 78.7778% | 430 |
| Efficiency ratio | 62.8601% | 5,425 |
| Assets per employee ($millions) | 4.5831% | 2,718 |
| Cash dividends to net income (ytd only)* | 11.6147% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 4,063 |
| Loan loss allowance to noncurrent loans | 512.0192% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.3792% | 6,177 |
| Noncurrent loans to loans | 0.2958% | 6,322 |
| Net loans and leases to total assets | 71.9549% | 1,793 |
| Net loans and leases to deposits | 87.5479% | 1,560 |
| Net loans and leases to core deposits | 91.8901% | 2,151 |
| Total domestic deposits to total assets | 82.1892% | 5,101 |
| Equity capital to assets | 9.5787% | 4,693 |
| Core capital (leverage) ratio | 9.2505% | 4,325 |
| Tier 1 risk-based capital ratio | 12.7396% | 5,145 |
| Total risk-based capital ratio | 13.9927% | 5,112 |
| Memoranda: | ||
| Average total assets | $94,185,330 | 5,132 |
| Average earning assets | $85,481,330 | 5,139 |
| Average equity | $8,971,670 | 5,334 |
| Average total loans | $68,871,670 | 4,619 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0207% | 3,008 |
| Cost of funding earning assets | 1.1310% | 3,294 |
| Net interest margin | 3.8898% | 3,193 |
| Noninterest income to average assets | 0.4981% | 3,905 |
| Noninterest expense to average assets | 2.6450% | 5,057 |
| Loan and lease loss provision to assets | 0.4509% | 1,958 |
| Net operating income to assets | 0.6698% | 3,661 |
| Return on assets (ROA) | 0.6698% | 3,732 |
| Pretax return on assets | 0.9318% | 3,395 |
| Return on Equity (ROE) | 7.0524% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.0524% | 2,122 |
| Net charge-offs to loans | 0.0117% | 4,922 |
| Credit loss provision to net charge-offs | 5,250.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 196 |
| Efficiency ratio | 65.6716% | 5,085 |
| Assets per employee ($millions) | 4.3557% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 4,648 |
| Loan loss allowance to noncurrent loans | 394.6939% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 6,240 |
| Noncurrent loans to loans | 0.3559% | 6,277 |
| Net loans and leases to total assets | 70.8343% | 1,962 |
| Net loans and leases to deposits | 86.3235% | 1,677 |
| Net loans and leases to core deposits | 91.3541% | 2,191 |
| Total domestic deposits to total assets | 82.0569% | 5,289 |
| Equity capital to assets | 9.3431% | 4,661 |
| Core capital (leverage) ratio | 9.4474% | 3,891 |
| Tier 1 risk-based capital ratio | 12.7562% | 5,009 |
| Total risk-based capital ratio | 14.0216% | 4,975 |
| Memoranda: | ||
| Average total assets | $93,155,500 | 5,201 |
| Average earning assets | $84,529,500 | 5,207 |
| Average equity | $8,848,000 | 5,371 |
| Average total loans | $68,148,500 | 4,682 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3547% | 2,875 |
| Cost of funding earning assets | 1.3549% | 3,542 |
| Net interest margin | 3.9999% | 3,021 |
| Noninterest income to average assets | 0.5959% | 3,500 |
| Noninterest expense to average assets | 2.7333% | 4,834 |
| Loan and lease loss provision to assets | 1.2707% | 1,222 |
| Net operating income to assets | 0.1665% | 5,384 |
| Return on assets (ROA) | 0.1665% | 5,543 |
| Pretax return on assets | 0.0910% | 5,718 |
| Return on Equity (ROE) | 1.7092% | 5,493 |
| Retained earnings to average equity (ytd only) | 0.7065% | 5,208 |
| Net charge-offs to loans | 1.6866% | 1,286 |
| Credit loss provision to net charge-offs | 105.6273% | 4,240 |
| Earnings coverage of net charge-offs (x) | 1.1319% | 4,974 |
| Efficiency ratio | 66.7480% | 4,810 |
| Assets per employee ($millions) | 3.7703% | 4,323 |
| Cash dividends to net income (ytd only)* | 58.6667% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 5,100 |
| Loan loss allowance to noncurrent loans | 301.0453% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 6,146 |
| Noncurrent loans to loans | 0.4255% | 6,197 |
| Net loans and leases to total assets | 73.5904% | 1,749 |
| Net loans and leases to deposits | 88.0027% | 1,789 |
| Net loans and leases to core deposits | 93.6660% | 2,301 |
| Total domestic deposits to total assets | 83.6229% | 4,544 |
| Equity capital to assets | 9.6623% | 4,197 |
| Core capital (leverage) ratio | 9.6788% | 3,460 |
| Tier 1 risk-based capital ratio | 12.9516% | 4,633 |
| Total risk-based capital ratio | 14.2160% | 4,596 |
| Memoranda: | ||
| Average total assets | $90,109,400 | 5,282 |
| Average earning assets | $78,827,800 | 5,389 |
| Average equity | $8,776,200 | 5,480 |
| Average total loans | $64,269,800 | 4,900 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3729% | 3,011 |
| Cost of funding earning assets | 1.3845% | 3,672 |
| Net interest margin | 3.9884% | 3,156 |
| Noninterest income to average assets | 0.5762% | 3,607 |
| Noninterest expense to average assets | 2.7402% | 4,722 |
| Loan and lease loss provision to assets | 1.6663% | 770 |
| Net operating income to assets | -0.1052% | 6,188 |
| Return on assets (ROA) | -0.1052% | 6,279 |
| Pretax return on assets | -0.3614% | 6,456 |
| Return on Equity (ROE) | -1.0776% | 6,287 |
| Retained earnings to average equity (ytd only) | -2.0946% | 6,220 |
| Net charge-offs to loans | 2.2833% | 781 |
| Credit loss provision to net charge-offs | 103.4959% | 4,141 |
| Earnings coverage of net charge-offs (x) | 0.8105% | 5,243 |
| Efficiency ratio | 67.7408% | 4,520 |
| Assets per employee ($millions) | 3.6021% | 4,731 |
| Cash dividends to net income (ytd only)* | -94.3693% | 7,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 5,240 |
| Loan loss allowance to noncurrent loans | 208.6849% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 6,175 |
| Noncurrent loans to loans | 0.5987% | 6,011 |
| Net loans and leases to total assets | 76.8898% | 1,238 |
| Net loans and leases to deposits | 90.9454% | 1,589 |
| Net loans and leases to core deposits | 97.9373% | 2,050 |
| Total domestic deposits to total assets | 84.5450% | 3,851 |
| Equity capital to assets | 10.0704% | 4,065 |
| Core capital (leverage) ratio | 10.0222% | 3,232 |
| Tier 1 risk-based capital ratio | 12.3196% | 5,156 |
| Total risk-based capital ratio | 13.5421% | 5,160 |
| Memoranda: | ||
| Average total assets | $90,015,250 | 5,358 |
| Average earning assets | $78,292,000 | 5,473 |
| Average equity | $8,784,500 | 5,557 |
| Average total loans | $63,474,000 | 5,005 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 3,549 |
| Cost of funding earning assets | 1.4184% | 3,758 |
| Net interest margin | 3.8645% | 3,613 |
| Noninterest income to average assets | 0.5504% | 3,712 |
| Noninterest expense to average assets | 2.6929% | 4,938 |
| Loan and lease loss provision to assets | 0.4386% | 3,121 |
| Net operating income to assets | 0.5943% | 3,902 |
| Return on assets (ROA) | 0.5943% | 4,040 |
| Pretax return on assets | 0.7587% | 4,030 |
| Return on Equity (ROE) | 6.1516% | 3,726 |
| Retained earnings to average equity (ytd only) | 4.6307% | 3,123 |
| Net charge-offs to loans | 0.4598% | 3,161 |
| Credit loss provision to net charge-offs | 139.8601% | 2,870 |
| Earnings coverage of net charge-offs (x) | 3.8182% | 3,171 |
| Efficiency ratio | 69.2221% | 4,328 |
| Assets per employee ($millions) | 4.1176% | 3,548 |
| Cash dividends to net income (ytd only)* | 24.7232% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,847 |
| Loan loss allowance to noncurrent loans | 108.3123% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 5,448 |
| Noncurrent loans to loans | 1.2106% | 4,942 |
| Net loans and leases to total assets | 65.4965% | 3,939 |
| Net loans and leases to deposits | 77.8722% | 3,990 |
| Net loans and leases to core deposits | 82.0779% | 4,407 |
| Total domestic deposits to total assets | 84.1078% | 4,066 |
| Equity capital to assets | 9.0638% | 5,346 |
| Core capital (leverage) ratio | 10.0214% | 3,141 |
| Tier 1 risk-based capital ratio | 12.6127% | 4,765 |
| Total risk-based capital ratio | 13.8429% | 4,748 |
| Memoranda: | ||
| Average total assets | $91,203,330 | 5,348 |
| Average earning assets | $78,821,000 | 5,478 |
| Average equity | $8,810,670 | 5,556 |
| Average total loans | $62,194,330 | 5,098 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2150% | 3,942 |
| Cost of funding earning assets | 1.4618% | 3,796 |
| Net interest margin | 3.7532% | 3,992 |
| Noninterest income to average assets | 0.5630% | 3,537 |
| Noninterest expense to average assets | 2.8286% | 4,376 |
| Loan and lease loss provision to assets | 0.1373% | 5,188 |
| Net operating income to assets | 0.7415% | 3,254 |
| Return on assets (ROA) | 0.7415% | 3,355 |
| Pretax return on assets | 0.9932% | 3,121 |
| Return on Equity (ROE) | 7.4163% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.7682% | 2,728 |
| Net charge-offs to loans | 0.0463% | 4,949 |
| Credit loss provision to net charge-offs | 428.5714% | 966 |
| Earnings coverage of net charge-offs (x) | 35.2857% | 773 |
| Efficiency ratio | 71.4451% | 4,036 |
| Assets per employee ($millions) | 3.6965% | 4,581 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 4,596 |
| Loan loss allowance to noncurrent loans | 351.4894% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 6,730 |
| Noncurrent loans to loans | 0.3884% | 6,503 |
| Net loans and leases to total assets | 67.2611% | 3,561 |
| Net loans and leases to deposits | 82.8122% | 3,140 |
| Net loans and leases to core deposits | 86.7881% | 3,790 |
| Total domestic deposits to total assets | 81.2212% | 5,374 |
| Equity capital to assets | 9.9327% | 3,944 |
| Core capital (leverage) ratio | 9.9218% | 3,262 |
| Tier 1 risk-based capital ratio | 13.8499% | 3,765 |
| Total risk-based capital ratio | 15.1162% | 3,713 |
| Memoranda: | ||
| Average total assets | $87,394,000 | 5,535 |
| Average earning assets | $79,079,000 | 5,539 |
| Average equity | $8,737,500 | 5,613 |
| Average total loans | $60,499,000 | 5,226 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8045% | 2,635 |
| Cost of funding earning assets | 1.7607% | 4,200 |
| Net interest margin | 4.0438% | 2,675 |
| Noninterest income to average assets | 0.3232% | 5,772 |
| Noninterest expense to average assets | 2.9921% | 4,173 |
| Loan and lease loss provision to assets | 0.2678% | 5,271 |
| Net operating income to assets | 0.5884% | 3,370 |
| Return on assets (ROA) | 0.5884% | 3,449 |
| Pretax return on assets | 0.7085% | 3,539 |
| Return on Equity (ROE) | 5.2282% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.4311% | 2,143 |
| Net charge-offs to loans | 0.0898% | 6,227 |
| Credit loss provision to net charge-offs | 390.3846% | 814 |
| Earnings coverage of net charge-offs (x) | 14.2308% | 1,384 |
| Efficiency ratio | 75.3989% | 3,633 |
| Assets per employee ($millions) | 3.7422% | 4,419 |
| Cash dividends to net income (ytd only)* | 15.2466% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,609 |
| Loan loss allowance to noncurrent loans | 154.1267% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 5,854 |
| Noncurrent loans to loans | 0.8612% | 5,575 |
| Net loans and leases to total assets | 69.3579% | 3,406 |
| Net loans and leases to deposits | 85.2571% | 3,039 |
| Net loans and leases to core deposits | 109.1592% | 2,986 |
| Total domestic deposits to total assets | 81.3514% | 5,214 |
| Equity capital to assets | 10.0649% | 3,671 |
| Core capital (leverage) ratio | 10.5857% | 2,519 |
| Tier 1 risk-based capital ratio | 12.5620% | 4,474 |
| Total risk-based capital ratio | 13.7330% | 4,483 |
| Memoranda: | ||
| Average total assets | $75,799,200 | 5,843 |
| Average earning assets | $68,326,200 | 5,855 |
| Average equity | $8,530,600 | 5,757 |
| Average total loans | $57,887,000 | 5,342 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9693% | 2,156 |
| Cost of funding earning assets | 1.8301% | 4,235 |
| Net interest margin | 4.1393% | 2,253 |
| Noninterest income to average assets | 0.6245% | 3,531 |
| Noninterest expense to average assets | 3.1753% | 3,380 |
| Loan and lease loss provision to assets | 0.2786% | 4,745 |
| Net operating income to assets | 0.7210% | 3,130 |
| Return on assets (ROA) | 0.7210% | 3,202 |
| Pretax return on assets | 0.9140% | 3,184 |
| Return on Equity (ROE) | 6.2135% | 3,436 |
| Retained earnings to average equity (ytd only) | 5.6486% | 2,128 |
| Net charge-offs to loans | 0.1304% | 5,391 |
| Credit loss provision to net charge-offs | 273.2143% | 1,552 |
| Earnings coverage of net charge-offs (x) | 11.6972% | 1,834 |
| Efficiency ratio | 72.6970% | 4,105 |
| Assets per employee ($millions) | 3.3323% | 5,300 |
| Cash dividends to net income (ytd only)* | 9.0911% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 4,677 |
| Loan loss allowance to noncurrent loans | 240.8360% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 4,763 |
| Noncurrent loans to loans | 0.5277% | 6,250 |
| Net loans and leases to total assets | 75.9166% | 2,009 |
| Net loans and leases to deposits | 94.2831% | 1,840 |
| Net loans and leases to core deposits | 116.9434% | 2,530 |
| Total domestic deposits to total assets | 80.5198% | 5,239 |
| Equity capital to assets | 11.3554% | 2,708 |
| Core capital (leverage) ratio | 11.1771% | 2,277 |
| Tier 1 risk-based capital ratio | 13.8168% | 3,658 |
| Total risk-based capital ratio | 15.0208% | 3,623 |
| Memoranda: | ||
| Average total assets | $73,231,250 | 5,943 |
| Average earning assets | $66,225,500 | 5,959 |
| Average equity | $8,497,500 | 5,822 |
| Average total loans | $57,233,750 | 5,415 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0057% | 2,158 |
| Cost of funding earning assets | 1.8762% | 4,390 |
| Net interest margin | 4.1295% | 2,224 |
| Noninterest income to average assets | 0.5742% | 3,876 |
| Noninterest expense to average assets | 3.2513% | 3,150 |
| Loan and lease loss provision to assets | 0.1859% | 5,167 |
| Net operating income to assets | 0.6991% | 3,257 |
| Return on assets (ROA) | 0.6991% | 3,366 |
| Pretax return on assets | 0.8739% | 3,427 |
| Return on Equity (ROE) | 5.9794% | 3,659 |
| Retained earnings to average equity (ytd only) | 5.1252% | 2,440 |
| Net charge-offs to loans | 0.1906% | 4,356 |
| Credit loss provision to net charge-offs | 124.0741% | 3,749 |
| Earnings coverage of net charge-offs (x) | 7.0741% | 2,498 |
| Efficiency ratio | 75.4183% | 3,804 |
| Assets per employee ($millions) | 3.2004% | 5,583 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 5,405 |
| Loan loss allowance to noncurrent loans | 75.5682% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.3939% | 4,173 |
| Noncurrent loans to loans | 1.4916% | 4,261 |
| Net loans and leases to total assets | 79.2485% | 1,475 |
| Net loans and leases to deposits | 95.2299% | 1,915 |
| Net loans and leases to core deposits | 116.8971% | 2,634 |
| Total domestic deposits to total assets | 83.2181% | 4,141 |
| Equity capital to assets | 11.5692% | 2,493 |
| Core capital (leverage) ratio | 11.5550% | 2,059 |
| Tier 1 risk-based capital ratio | 14.0698% | 3,477 |
| Total risk-based capital ratio | 15.1769% | 3,500 |
| Memoranda: | ||
| Average total assets | $72,094,330 | 6,028 |
| Average earning assets | $65,238,000 | 6,035 |
| Average equity | $8,429,000 | 5,874 |
| Average total loans | $56,667,330 | 5,481 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9969% | 2,384 |
| Cost of funding earning assets | 1.9118% | 4,571 |
| Net interest margin | 4.0851% | 2,334 |
| Noninterest income to average assets | 0.5046% | 4,287 |
| Noninterest expense to average assets | 3.2522% | 2,790 |
| Loan and lease loss provision to assets | 0.1178% | 5,463 |
| Net operating income to assets | 0.6616% | 3,752 |
| Return on assets (ROA) | 0.6616% | 3,927 |
| Pretax return on assets | 0.8130% | 4,032 |
| Return on Equity (ROE) | 5.6288% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.6288% | 2,810 |
| Net charge-offs to loans | 0.1730% | 3,598 |
| Credit loss provision to net charge-offs | 87.5000% | 4,049 |
| Earnings coverage of net charge-offs (x) | 6.9167% | 2,416 |
| Efficiency ratio | 77.7480% | 3,208 |
| Assets per employee ($millions) | 3.1277% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 5,299 |
| Loan loss allowance to noncurrent loans | 65.2918% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4791% | 3,714 |
| Noncurrent loans to loans | 1.7215% | 3,679 |
| Net loans and leases to total assets | 79.3614% | 1,503 |
| Net loans and leases to deposits | 96.0368% | 1,938 |
| Net loans and leases to core deposits | 116.8055% | 2,703 |
| Total domestic deposits to total assets | 82.6364% | 4,318 |
| Equity capital to assets | 11.7351% | 2,419 |
| Core capital (leverage) ratio | 11.7294% | 2,031 |
| Tier 1 risk-based capital ratio | 14.1435% | 3,506 |
| Total risk-based capital ratio | 15.2424% | 3,513 |
| Memoranda: | ||
| Average total assets | $71,337,000 | 6,090 |
| Average earning assets | $64,233,500 | 6,099 |
| Average equity | $8,385,500 | 5,924 |
| Average total loans | $55,501,500 | 5,564 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4055% | 3,390 |
| Cost of funding earning assets | 2.3470% | 4,938 |
| Net interest margin | 4.0585% | 2,881 |
| Noninterest income to average assets | 0.5968% | 3,861 |
| Noninterest expense to average assets | 3.1576% | 3,490 |
| Loan and lease loss provision to assets | 0.1578% | 5,352 |
| Net operating income to assets | 0.7259% | 3,774 |
| Return on assets (ROA) | 0.7259% | 3,612 |
| Pretax return on assets | 0.9282% | 3,631 |
| Return on Equity (ROE) | 6.2539% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.5370% | 1,749 |
| Net charge-offs to loans | 0.1819% | 4,373 |
| Credit loss provision to net charge-offs | 119.5652% | 4,498 |
| Earnings coverage of net charge-offs (x) | 8.2283% | 2,918 |
| Efficiency ratio | 74.4084% | 3,504 |
| Assets per employee ($millions) | 3.0755% | 5,847 |
| Cash dividends to net income (ytd only)* | 11.4625% | 4,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 4,350 |
| Loan loss allowance to noncurrent loans | 54.9747% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 2,417 |
| Noncurrent loans to loans | 2.2267% | 2,471 |
| Net loans and leases to total assets | 74.3766% | 3,016 |
| Net loans and leases to deposits | 89.4456% | 3,543 |
| Net loans and leases to core deposits | 106.2398% | 4,169 |
| Total domestic deposits to total assets | 83.1529% | 3,704 |
| Equity capital to assets | 11.7748% | 2,451 |
| Core capital (leverage) ratio | 11.9702% | 1,981 |
| Tier 1 risk-based capital ratio | 14.4804% | 3,303 |
| Total risk-based capital ratio | 15.6269% | 3,270 |
| Memoranda: | ||
| Average total assets | $69,705,600 | 6,045 |
| Average earning assets | $62,633,600 | 6,068 |
| Average equity | $8,091,000 | 6,052 |
| Average total loans | $50,574,600 | 5,682 |