Home > Peoples Bank of Graceville > Performance and Condition Ratios
Peoples Bank of Graceville, 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 | 4.0759% | 4,236 |
| Cost of funding earning assets | 1.8732% | 2,255 |
| Net interest margin | 2.2027% | 4,214 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 1.6913% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7384% | 3,011 |
| Return on assets (ROA) | 0.7384% | 3,011 |
| Pretax return on assets | 0.7384% | 3,322 |
| Return on Equity (ROE) | 12.6100% | 1,584 |
| Retained earnings to average equity (ytd only) | 5.4038% | 2,463 |
| Net charge-offs to loans | -0.0793% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 69.6093% | 1,858 |
| Assets per employee ($millions) | 8.7285% | 1,214 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 3,519 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 35.7600% | 4,092 |
| Net loans and leases to deposits | 39.2227% | 4,146 |
| Net loans and leases to core deposits | 44.8537% | 4,082 |
| Total domestic deposits to total assets | 91.1600% | 476 |
| Equity capital to assets | 6.1091% | 4,235 |
| Core capital (leverage) ratio | 10.4816% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8868% | 238 |
| Memoranda: | ||
| Average total assets | $113,757,000 | 3,662 |
| Average earning assets | $111,680,000 | 3,603 |
| Average equity | $6,662,000 | 4,104 |
| Average total loans | $40,368,000 | 3,955 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9808% | 4,292 |
| Cost of funding earning assets | 1.8688% | 2,539 |
| Net interest margin | 2.1120% | 4,207 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 1.6270% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.7096% | 2,949 |
| Return on assets (ROA) | 0.7096% | 2,976 |
| Pretax return on assets | 0.7096% | 3,236 |
| Return on Equity (ROE) | 13.9100% | 1,148 |
| Retained earnings to average equity (ytd only) | 0.4524% | 3,799 |
| Net charge-offs to loans | 0.0100% | 2,546 |
| Credit loss provision to net charge-offs | -125.0000% | 4,363 |
| Earnings coverage of net charge-offs (x) | 207.5000% | 495 |
| Efficiency ratio | 69.6304% | 2,041 |
| Assets per employee ($millions) | 8.7726% | 1,152 |
| Cash dividends to net income (ytd only)* | 96.7470% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 3,509 |
| Loan loss allowance to noncurrent loans | 18,650.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,789 |
| Noncurrent loans to loans | 0.0050% | 3,736 |
| Net loans and leases to total assets | 34.5600% | 4,140 |
| Net loans and leases to deposits | 37.1022% | 4,204 |
| Net loans and leases to core deposits | 41.6363% | 4,172 |
| Total domestic deposits to total assets | 93.1400% | 155 |
| Equity capital to assets | 5.6049% | 4,267 |
| Core capital (leverage) ratio | 10.5510% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9505% | 256 |
| Memoranda: | ||
| Average total assets | $116,962,000 | 3,638 |
| Average earning assets | $114,727,000 | 3,576 |
| Average equity | $5,968,000 | 4,156 |
| Average total loans | $39,895,000 | 3,965 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,306 |
| Cost of funding earning assets | 1.8794% | 2,521 |
| Net interest margin | 2.0920% | 4,236 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 1.6121% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7058% | 2,973 |
| Return on assets (ROA) | 0.7058% | 2,997 |
| Pretax return on assets | 0.7058% | 3,253 |
| Return on Equity (ROE) | 14.1700% | 1,110 |
| Retained earnings to average equity (ytd only) | 5.9591% | 2,101 |
| Net charge-offs to loans | 0.0167% | 2,053 |
| Credit loss provision to net charge-offs | -100.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | 124.6000% | 689 |
| Efficiency ratio | 69.5503% | 2,073 |
| Assets per employee ($millions) | 8.9898% | 1,066 |
| Cash dividends to net income (ytd only)* | 57.9454% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,506 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 33.3600% | 4,190 |
| Net loans and leases to deposits | 35.5845% | 4,261 |
| Net loans and leases to core deposits | 40.1212% | 4,224 |
| Total domestic deposits to total assets | 93.7600% | 46 |
| Equity capital to assets | 5.7099% | 4,384 |
| Core capital (leverage) ratio | 10.5785% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0155% | 236 |
| Memoranda: | ||
| Average total assets | $117,691,500 | 3,640 |
| Average earning assets | $115,422,750 | 3,579 |
| Average equity | $5,862,000 | 4,184 |
| Average total loans | $39,923,000 | 3,982 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 4,309 |
| Cost of funding earning assets | 1.8546% | 2,487 |
| Net interest margin | 2.1053% | 4,240 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 1.6022% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7273% | 2,860 |
| Return on assets (ROA) | 0.7273% | 2,870 |
| Pretax return on assets | 0.7273% | 3,164 |
| Return on Equity (ROE) | 15.3400% | 934 |
| Retained earnings to average equity (ytd only) | 6.7243% | 1,739 |
| Net charge-offs to loans | -0.0050% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 68.7773% | 2,242 |
| Assets per employee ($millions) | 9.0602% | 985 |
| Cash dividends to net income (ytd only)* | 56.1772% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 3,573 |
| Loan loss allowance to noncurrent loans | 9,450.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,790 |
| Noncurrent loans to loans | 0.0099% | 3,718 |
| Net loans and leases to total assets | 34.0700% | 4,195 |
| Net loans and leases to deposits | 36.1080% | 4,266 |
| Net loans and leases to core deposits | 40.7746% | 4,222 |
| Total domestic deposits to total assets | 94.3700% | 72 |
| Equity capital to assets | 5.0755% | 4,361 |
| Core capital (leverage) ratio | 10.3904% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4359% | 249 |
| Memoranda: | ||
| Average total assets | $117,966,000 | 3,655 |
| Average earning assets | $115,710,000 | 3,585 |
| Average equity | $5,591,667 | 4,215 |
| Average total loans | $40,109,667 | 3,983 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 4,337 |
| Cost of funding earning assets | 1.8031% | 2,495 |
| Net interest margin | 2.0829% | 4,268 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 1.5924% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7183% | 2,779 |
| Return on assets (ROA) | 0.7183% | 2,800 |
| Pretax return on assets | 0.7183% | 3,114 |
| Return on Equity (ROE) | 15.7100% | 882 |
| Retained earnings to average equity (ytd only) | 6.8167% | 1,884 |
| Net charge-offs to loans | -0.0100% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 68.9150% | 2,282 |
| Assets per employee ($millions) | 9.2196% | 947 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 3,602 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 33.6000% | 4,201 |
| Net loans and leases to deposits | 35.3915% | 4,273 |
| Net loans and leases to core deposits | 39.1075% | 4,291 |
| Total domestic deposits to total assets | 94.9300% | 69 |
| Equity capital to assets | 4.5880% | 4,424 |
| Core capital (leverage) ratio | 10.2265% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2626% | 261 |
| Memoranda: | ||
| Average total assets | $118,058,000 | 3,669 |
| Average earning assets | $115,800,500 | 3,596 |
| Average equity | $5,398,500 | 4,261 |
| Average total loans | $39,908,500 | 4,003 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 4,318 |
| Cost of funding earning assets | 1.3710% | 2,308 |
| Net interest margin | 2.2760% | 4,273 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.5485% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9598% | 2,337 |
| Return on assets (ROA) | 0.9598% | 2,331 |
| Pretax return on assets | 0.9598% | 2,781 |
| Return on Equity (ROE) | 24.8200% | 318 |
| Retained earnings to average equity (ytd only) | 3.8960% | 2,996 |
| Net charge-offs to loans | -0.0180% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.6307% | 2,884 |
| Assets per employee ($millions) | 8.3044% | 1,277 |
| Cash dividends to net income (ytd only)* | 84.3049% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 3,439 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 33.3600% | 4,227 |
| Net loans and leases to deposits | 35.2431% | 4,283 |
| Net loans and leases to core deposits | 39.0540% | 4,297 |
| Total domestic deposits to total assets | 94.6700% | 69 |
| Equity capital to assets | 4.5570% | 4,464 |
| Core capital (leverage) ratio | 10.3649% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6165% | 250 |
| Memoranda: | ||
| Average total assets | $116,175,600 | 3,694 |
| Average earning assets | $114,148,800 | 3,602 |
| Average equity | $4,491,800 | 4,308 |
| Average total loans | $38,805,800 | 4,013 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 4,306 |
| Cost of funding earning assets | 1.2369% | 2,313 |
| Net interest margin | 2.3641% | 4,270 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.5301% | 4,291 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0457% | 2,232 |
| Return on assets (ROA) | 1.0457% | 2,219 |
| Pretax return on assets | 1.0457% | 2,723 |
| Return on Equity (ROE) | 28.3100% | 259 |
| Retained earnings to average equity (ytd only) | 13.3944% | 759 |
| Net charge-offs to loans | 0.0069% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 458.0000% | 328 |
| Efficiency ratio | 59.2708% | 3,054 |
| Assets per employee ($millions) | 8.1196% | 1,288 |
| Cash dividends to net income (ytd only)* | 52.6894% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 3,572 |
| Loan loss allowance to noncurrent loans | 717.3077% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,351 |
| Noncurrent loans to loans | 0.1319% | 2,890 |
| Net loans and leases to total assets | 34.3400% | 4,237 |
| Net loans and leases to deposits | 36.0021% | 4,297 |
| Net loans and leases to core deposits | 39.4279% | 4,271 |
| Total domestic deposits to total assets | 95.3800% | 102 |
| Equity capital to assets | 4.1504% | 4,386 |
| Core capital (leverage) ratio | 10.5913% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3064% | 241 |
| Memoranda: | ||
| Average total assets | $116,154,250 | 3,696 |
| Average earning assets | $114,149,750 | 3,615 |
| Average equity | $4,290,250 | 4,334 |
| Average total loans | $38,714,250 | 4,027 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5238% | 4,324 |
| Cost of funding earning assets | 1.1265% | 2,202 |
| Net interest margin | 2.3973% | 4,301 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.5216% | 4,315 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0805% | 2,171 |
| Return on assets (ROA) | 1.0805% | 2,169 |
| Pretax return on assets | 1.0805% | 2,692 |
| Return on Equity (ROE) | 30.4700% | 207 |
| Retained earnings to average equity (ytd only) | 15.0446% | 557 |
| Net charge-offs to loans | 0.0052% | 2,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 637.0000% | 229 |
| Efficiency ratio | 58.2842% | 3,160 |
| Assets per employee ($millions) | 8.5501% | 1,070 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 3,507 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,647 |
| Noncurrent loans to loans | 0.0576% | 3,285 |
| Net loans and leases to total assets | 31.6100% | 4,294 |
| Net loans and leases to deposits | 32.9970% | 4,355 |
| Net loans and leases to core deposits | 35.4445% | 4,336 |
| Total domestic deposits to total assets | 95.7900% | 63 |
| Equity capital to assets | 3.7752% | 4,524 |
| Core capital (leverage) ratio | 10.4407% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5822% | 228 |
| Memoranda: | ||
| Average total assets | $116,980,667 | 3,702 |
| Average earning assets | $115,046,333 | 3,618 |
| Average equity | $4,147,667 | 4,380 |
| Average total loans | $38,482,667 | 4,045 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5082% | 4,252 |
| Cost of funding earning assets | 1.0511% | 1,880 |
| Net interest margin | 2.4572% | 4,344 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.5361% | 4,364 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1244% | 2,145 |
| Return on assets (ROA) | 1.1244% | 2,112 |
| Pretax return on assets | 1.1244% | 2,644 |
| Return on Equity (ROE) | 32.8100% | 188 |
| Retained earnings to average equity (ytd only) | 16.6583% | 624 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.3643% | 3,260 |
| Assets per employee ($millions) | 8.9021% | 973 |
| Cash dividends to net income (ytd only)* | 49.2308% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 3,630 |
| Loan loss allowance to noncurrent loans | 1,704.5455% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,619 |
| Noncurrent loans to loans | 0.0570% | 3,328 |
| Net loans and leases to total assets | 33.0100% | 4,296 |
| Net loans and leases to deposits | 34.4186% | 4,365 |
| Net loans and leases to core deposits | 36.9554% | 4,346 |
| Total domestic deposits to total assets | 95.8900% | 58 |
| Equity capital to assets | 3.7010% | 4,561 |
| Core capital (leverage) ratio | 10.2319% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0125% | 230 |
| Memoranda: | ||
| Average total assets | $115,620,000 | 3,764 |
| Average earning assets | $113,789,500 | 3,682 |
| Average equity | $3,962,000 | 4,456 |
| Average total loans | $38,618,500 | 4,095 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1354% | 3,931 |
| Cost of funding earning assets | 0.4333% | 1,837 |
| Net interest margin | 2.7021% | 4,050 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.6096% | 4,294 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2946% | 1,453 |
| Return on assets (ROA) | 1.3024% | 1,379 |
| Pretax return on assets | 1.3024% | 2,077 |
| Return on Equity (ROE) | 25.6700% | 188 |
| Retained earnings to average equity (ytd only) | 3.4373% | 3,582 |
| Net charge-offs to loans | 0.0310% | 1,450 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 136.6364% | 835 |
| Efficiency ratio | 55.2412% | 3,655 |
| Assets per employee ($millions) | 8.2509% | 1,209 |
| Cash dividends to net income (ytd only)* | 86.6089% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 3,177 |
| Loan loss allowance to noncurrent loans | 1,818.1818% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,655 |
| Noncurrent loans to loans | 0.0569% | 3,351 |
| Net loans and leases to total assets | 33.1300% | 4,309 |
| Net loans and leases to deposits | 34.5370% | 4,383 |
| Net loans and leases to core deposits | 36.8105% | 4,360 |
| Total domestic deposits to total assets | 95.9200% | 83 |
| Equity capital to assets | 3.1520% | 4,598 |
| Core capital (leverage) ratio | 10.1608% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0706% | 263 |
| Memoranda: | ||
| Average total assets | $115,247,800 | 3,774 |
| Average earning assets | $113,317,800 | 3,692 |
| Average equity | $5,847,600 | 4,345 |
| Average total loans | $35,539,000 | 4,147 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0783% | 3,723 |
| Cost of funding earning assets | 0.3723% | 1,504 |
| Net interest margin | 2.7060% | 3,912 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.5535% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3590% | 1,195 |
| Return on assets (ROA) | 1.3486% | 1,194 |
| Pretax return on assets | 1.3486% | 1,892 |
| Return on Equity (ROE) | 24.2700% | 210 |
| Retained earnings to average equity (ytd only) | 14.2721% | 433 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.3386% | 3,882 |
| Assets per employee ($millions) | 8.0742% | 1,286 |
| Cash dividends to net income (ytd only)* | 41.2017% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 3,232 |
| Loan loss allowance to noncurrent loans | 930.2326% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 3,534 |
| Noncurrent loans to loans | 0.1132% | 3,081 |
| Net loans and leases to total assets | 33.2400% | 4,331 |
| Net loans and leases to deposits | 34.6043% | 4,402 |
| Net loans and leases to core deposits | 36.8009% | 4,376 |
| Total domestic deposits to total assets | 96.0500% | 125 |
| Equity capital to assets | 3.3838% | 4,555 |
| Core capital (leverage) ratio | 10.8127% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7898% | 211 |
| Memoranda: | ||
| Average total assets | $115,181,500 | 3,800 |
| Average earning assets | $113,177,500 | 3,718 |
| Average equity | $6,399,250 | 4,325 |
| Average total loans | $34,757,250 | 4,179 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9659% | 3,640 |
| Cost of funding earning assets | 0.3461% | 1,304 |
| Net interest margin | 2.6198% | 3,873 |
| Noninterest income to average assets | 0.2502% | 3,675 |
| Noninterest expense to average assets | 1.5497% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2736% | 1,215 |
| Return on assets (ROA) | 1.2546% | 1,253 |
| Pretax return on assets | 1.2546% | 1,885 |
| Return on Equity (ROE) | 20.0349% | 304 |
| Retained earnings to average equity (ytd only) | 11.2162% | 753 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8900% | 3,877 |
| Assets per employee ($millions) | 8.0851% | 1,253 |
| Cash dividends to net income (ytd only)* | 44.0165% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 2,824 |
| Loan loss allowance to noncurrent loans | 314.9606% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 2,921 |
| Noncurrent loans to loans | 0.3728% | 2,028 |
| Net loans and leases to total assets | 29.7442% | 4,468 |
| Net loans and leases to deposits | 30.6318% | 4,535 |
| Net loans and leases to core deposits | 32.4223% | 4,523 |
| Total domestic deposits to total assets | 97.1023% | 41 |
| Equity capital to assets | 2.5638% | 4,707 |
| Core capital (leverage) ratio | 10.5853% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0593% | 176 |
| Memoranda: | ||
| Average total assets | $115,895,667 | 3,837 |
| Average earning assets | $113,827,333 | 3,767 |
| Average equity | $7,257,333 | 4,288 |
| Average total loans | $33,685,333 | 4,252 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8954% | 3,551 |
| Cost of funding earning assets | 0.3472% | 1,233 |
| Net interest margin | 2.5483% | 3,790 |
| Noninterest income to average assets | 0.2456% | 3,672 |
| Noninterest expense to average assets | 1.5147% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2350% | 1,154 |
| Return on assets (ROA) | 1.1975% | 1,244 |
| Pretax return on assets | 1.1975% | 1,824 |
| Return on Equity (ROE) | 14.8808% | 673 |
| Retained earnings to average equity (ytd only) | 8.0975% | 1,550 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0868% | 3,966 |
| Assets per employee ($millions) | 8.1289% | 1,297 |
| Cash dividends to net income (ytd only)* | 45.5840% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,881 |
| Loan loss allowance to noncurrent loans | 338.9831% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 3,086 |
| Noncurrent loans to loans | 0.3527% | 2,218 |
| Net loans and leases to total assets | 29.0429% | 4,474 |
| Net loans and leases to deposits | 31.5300% | 4,510 |
| Net loans and leases to core deposits | 33.4352% | 4,495 |
| Total domestic deposits to total assets | 92.1119% | 535 |
| Equity capital to assets | 6.2678% | 4,507 |
| Core capital (leverage) ratio | 9.8990% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6828% | 179 |
| Memoranda: | ||
| Average total assets | $117,247,500 | 3,843 |
| Average earning assets | $115,216,000 | 3,777 |
| Average equity | $9,435,000 | 4,119 |
| Average total loans | $33,494,000 | 4,270 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5524% | 2,510 |
| Cost of funding earning assets | 0.4588% | 1,139 |
| Net interest margin | 3.0936% | 2,922 |
| Noninterest income to average assets | 0.2372% | 3,957 |
| Noninterest expense to average assets | 1.7732% | 4,188 |
| Loan and lease loss provision to assets | 0.0008% | 3,051 |
| Net operating income to assets | 1.5043% | 1,002 |
| Return on assets (ROA) | 1.5034% | 1,054 |
| Pretax return on assets | 1.5034% | 1,715 |
| Return on Equity (ROE) | 14.3248% | 1,097 |
| Retained earnings to average equity (ytd only) | 1.5916% | 4,095 |
| Net charge-offs to loans | 0.0050% | 2,418 |
| Credit loss provision to net charge-offs | 50.0000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 901.0000% | 164 |
| Efficiency ratio | 54.0892% | 3,919 |
| Assets per employee ($millions) | 8.6208% | 1,044 |
| Cash dividends to net income (ytd only)* | 88.8889% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,921 |
| Loan loss allowance to noncurrent loans | 270.2703% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 3,077 |
| Noncurrent loans to loans | 0.4413% | 2,033 |
| Net loans and leases to total assets | 27.4552% | 4,583 |
| Net loans and leases to deposits | 30.7612% | 4,610 |
| Net loans and leases to core deposits | 32.5632% | 4,592 |
| Total domestic deposits to total assets | 89.2527% | 1,380 |
| Equity capital to assets | 9.7248% | 2,918 |
| Core capital (leverage) ratio | 9.4620% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5819% | 161 |
| Memoranda: | ||
| Average total assets | $119,724,800 | 3,804 |
| Average earning assets | $117,695,400 | 3,713 |
| Average equity | $12,565,600 | 3,872 |
| Average total loans | $40,322,000 | 4,178 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5478% | 2,700 |
| Cost of funding earning assets | 0.4836% | 1,141 |
| Net interest margin | 3.0642% | 3,142 |
| Noninterest income to average assets | 0.2377% | 3,979 |
| Noninterest expense to average assets | 1.6895% | 4,340 |
| Loan and lease loss provision to assets | 0.0025% | 2,919 |
| Net operating income to assets | 1.5578% | 1,128 |
| Return on assets (ROA) | 1.5533% | 1,186 |
| Pretax return on assets | 1.5533% | 1,841 |
| Return on Equity (ROE) | 14.5306% | 1,250 |
| Retained earnings to average equity (ytd only) | 7.8498% | 2,105 |
| Net charge-offs to loans | 0.0063% | 2,083 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 699.0000% | 224 |
| Efficiency ratio | 51.9918% | 4,027 |
| Assets per employee ($millions) | 9.3403% | 806 |
| Cash dividends to net income (ytd only)* | 45.9770% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,766 |
| Loan loss allowance to noncurrent loans | 272.1088% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 3,310 |
| Noncurrent loans to loans | 0.3760% | 2,431 |
| Net loans and leases to total assets | 31.8668% | 4,543 |
| Net loans and leases to deposits | 35.8806% | 4,579 |
| Net loans and leases to core deposits | 38.0865% | 4,569 |
| Total domestic deposits to total assets | 88.8136% | 1,389 |
| Equity capital to assets | 10.7722% | 2,197 |
| Core capital (leverage) ratio | 9.5924% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5826% | 186 |
| Memoranda: | ||
| Average total assets | $119,483,250 | 3,848 |
| Average earning assets | $117,440,000 | 3,760 |
| Average equity | $12,772,750 | 3,903 |
| Average total loans | $42,018,500 | 4,200 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4147% | 3,138 |
| Cost of funding earning assets | 0.5123% | 1,133 |
| Net interest margin | 2.9024% | 3,569 |
| Noninterest income to average assets | 0.2373% | 3,984 |
| Noninterest expense to average assets | 1.6763% | 4,395 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4120% | 1,532 |
| Return on assets (ROA) | 1.4070% | 1,612 |
| Pretax return on assets | 1.4070% | 2,319 |
| Return on Equity (ROE) | 13.1962% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.8822% | 2,474 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2779% | 3,766 |
| Assets per employee ($millions) | 8.9619% | 873 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,081 |
| Loan loss allowance to noncurrent loans | 213.2979% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 3,251 |
| Noncurrent loans to loans | 0.4332% | 2,377 |
| Net loans and leases to total assets | 34.2698% | 4,531 |
| Net loans and leases to deposits | 38.3170% | 4,572 |
| Net loans and leases to core deposits | 40.6019% | 4,566 |
| Total domestic deposits to total assets | 89.4378% | 1,061 |
| Equity capital to assets | 10.1900% | 2,682 |
| Core capital (leverage) ratio | 9.7727% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2672% | 199 |
| Memoranda: | ||
| Average total assets | $118,836,333 | 3,868 |
| Average earning assets | $116,729,333 | 3,779 |
| Average equity | $12,670,333 | 3,922 |
| Average total loans | $42,993,333 | 4,217 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0649% | 3,956 |
| Cost of funding earning assets | 0.5608% | 1,044 |
| Net interest margin | 2.5041% | 4,293 |
| Noninterest income to average assets | 0.2389% | 3,961 |
| Noninterest expense to average assets | 1.4820% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2154% | 2,087 |
| Return on assets (ROA) | 1.2084% | 2,195 |
| Pretax return on assets | 1.2084% | 2,827 |
| Return on Equity (ROE) | 11.0679% | 2,344 |
| Retained earnings to average equity (ytd only) | 5.9938% | 2,904 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9422% | 3,676 |
| Assets per employee ($millions) | 8.5010% | 988 |
| Cash dividends to net income (ytd only)* | 45.8453% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,090 |
| Loan loss allowance to noncurrent loans | 1,215.1515% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,165 |
| Noncurrent loans to loans | 0.0760% | 3,915 |
| Net loans and leases to total assets | 36.1277% | 4,496 |
| Net loans and leases to deposits | 40.3341% | 4,553 |
| Net loans and leases to core deposits | 42.8389% | 4,538 |
| Total domestic deposits to total assets | 89.5710% | 1,037 |
| Equity capital to assets | 10.1375% | 2,566 |
| Core capital (leverage) ratio | 9.9740% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1748% | 191 |
| Memoranda: | ||
| Average total assets | $115,521,500 | 3,907 |
| Average earning assets | $113,413,000 | 3,820 |
| Average equity | $12,613,000 | 3,940 |
| Average total loans | $42,791,000 | 4,239 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2624% | 4,379 |
| Cost of funding earning assets | 0.7319% | 1,556 |
| Net interest margin | 2.5305% | 4,562 |
| Noninterest income to average assets | 0.2702% | 3,857 |
| Noninterest expense to average assets | 1.5961% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1561% | 1,700 |
| Return on assets (ROA) | 1.1636% | 1,787 |
| Pretax return on assets | 1.1636% | 2,462 |
| Return on Equity (ROE) | 9.6866% | 2,125 |
| Retained earnings to average equity (ytd only) | 0.4687% | 4,372 |
| Net charge-offs to loans | -0.0023% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9952% | 3,727 |
| Assets per employee ($millions) | 8.0021% | 1,036 |
| Cash dividends to net income (ytd only)* | 95.1613% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 4,037 |
| Loan loss allowance to noncurrent loans | 1,215.1515% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,214 |
| Noncurrent loans to loans | 0.0782% | 3,978 |
| Net loans and leases to total assets | 37.2966% | 4,555 |
| Net loans and leases to deposits | 42.6889% | 4,569 |
| Net loans and leases to core deposits | 45.0889% | 4,568 |
| Total domestic deposits to total assets | 87.3684% | 1,756 |
| Equity capital to assets | 11.7479% | 1,704 |
| Core capital (leverage) ratio | 10.2317% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6584% | 136 |
| Memoranda: | ||
| Average total assets | $106,569,400 | 3,910 |
| Average earning assets | $104,523,000 | 3,842 |
| Average equity | $12,801,200 | 3,880 |
| Average total loans | $42,743,800 | 4,261 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3411% | 4,424 |
| Cost of funding earning assets | 0.7616% | 1,669 |
| Net interest margin | 2.5795% | 4,589 |
| Noninterest income to average assets | 0.2750% | 3,828 |
| Noninterest expense to average assets | 1.6083% | 4,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1951% | 1,652 |
| Return on assets (ROA) | 1.1989% | 1,765 |
| Pretax return on assets | 1.1989% | 2,393 |
| Return on Equity (ROE) | 9.9227% | 2,047 |
| Retained earnings to average equity (ytd only) | 5.5173% | 2,316 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3689% | 3,754 |
| Assets per employee ($millions) | 7.7181% | 1,115 |
| Cash dividends to net income (ytd only)* | 44.3975% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,053 |
| Loan loss allowance to noncurrent loans | 1,212.1212% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 4,308 |
| Noncurrent loans to loans | 0.0747% | 4,074 |
| Net loans and leases to total assets | 40.5223% | 4,548 |
| Net loans and leases to deposits | 46.6364% | 4,587 |
| Net loans and leases to core deposits | 49.2237% | 4,597 |
| Total domestic deposits to total assets | 86.8899% | 1,715 |
| Equity capital to assets | 12.7223% | 1,318 |
| Core capital (leverage) ratio | 10.8518% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.5654% | 128 |
| Memoranda: | ||
| Average total assets | $105,204,500 | 3,928 |
| Average earning assets | $103,117,250 | 3,856 |
| Average equity | $12,711,250 | 3,896 |
| Average total loans | $42,883,750 | 4,279 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3239% | 4,627 |
| Cost of funding earning assets | 0.7811% | 1,925 |
| Net interest margin | 2.5429% | 4,704 |
| Noninterest income to average assets | 0.2782% | 3,807 |
| Noninterest expense to average assets | 1.6210% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1491% | 1,803 |
| Return on assets (ROA) | 1.1568% | 1,906 |
| Pretax return on assets | 1.1568% | 2,515 |
| Return on Equity (ROE) | 9.7525% | 2,068 |
| Retained earnings to average equity (ytd only) | 5.2240% | 2,377 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5180% | 3,628 |
| Assets per employee ($millions) | 7.3020% | 1,278 |
| Cash dividends to net income (ytd only)* | 46.4345% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 3,953 |
| Loan loss allowance to noncurrent loans | 1,379.3103% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,424 |
| Noncurrent loans to loans | 0.0660% | 4,209 |
| Net loans and leases to total assets | 39.7498% | 4,619 |
| Net loans and leases to deposits | 45.4539% | 4,665 |
| Net loans and leases to core deposits | 47.8051% | 4,672 |
| Total domestic deposits to total assets | 87.4509% | 1,432 |
| Equity capital to assets | 12.1811% | 1,546 |
| Core capital (leverage) ratio | 10.8301% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1108% | 174 |
| Memoranda: | ||
| Average total assets | $104,254,667 | 3,938 |
| Average earning assets | $102,168,667 | 3,863 |
| Average equity | $12,366,000 | 3,939 |
| Average total loans | $42,449,667 | 4,306 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3909% | 4,743 |
| Cost of funding earning assets | 0.8076% | 2,337 |
| Net interest margin | 2.5834% | 4,765 |
| Noninterest income to average assets | 0.3307% | 3,549 |
| Noninterest expense to average assets | 1.6690% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1927% | 1,540 |
| Return on assets (ROA) | 1.1967% | 1,642 |
| Pretax return on assets | 1.1967% | 2,209 |
| Return on Equity (ROE) | 10.2374% | 1,665 |
| Retained earnings to average equity (ytd only) | 5.5228% | 2,057 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3219% | 3,959 |
| Assets per employee ($millions) | 6.9452% | 1,116 |
| Cash dividends to net income (ytd only)* | 46.0526% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 39.1637% | 4,697 |
| Net loans and leases to deposits | 44.4924% | 4,754 |
| Net loans and leases to core deposits | 46.7054% | 4,757 |
| Total domestic deposits to total assets | 88.0234% | 1,098 |
| Equity capital to assets | 11.6176% | 2,350 |
| Core capital (leverage) ratio | 11.4014% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0650% | 737 |
| Memoranda: | ||
| Average total assets | $101,617,000 | 3,968 |
| Average earning assets | $99,560,000 | 3,882 |
| Average equity | $11,878,000 | 4,012 |
| Average total loans | $41,705,500 | 4,334 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 4,848 |
| Cost of funding earning assets | 0.7715% | 2,827 |
| Net interest margin | 2.7404% | 4,805 |
| Noninterest income to average assets | 0.3327% | 3,717 |
| Noninterest expense to average assets | 1.7460% | 4,830 |
| Loan and lease loss provision to assets | 0.0265% | 3,483 |
| Net operating income to assets | 1.2531% | 1,862 |
| Return on assets (ROA) | 1.2756% | 1,865 |
| Pretax return on assets | 1.2756% | 2,593 |
| Return on Equity (ROE) | 10.9022% | 1,925 |
| Retained earnings to average equity (ytd only) | 0.4361% | 4,565 |
| Net charge-offs to loans | 0.0632% | 2,193 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 48.2308% | 1,154 |
| Efficiency ratio | 57.7066% | 4,010 |
| Assets per employee ($millions) | 6.1910% | 1,494 |
| Cash dividends to net income (ytd only)* | 96.0000% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 3,753 |
| Loan loss allowance to noncurrent loans | 2,857.1429% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,595 |
| Noncurrent loans to loans | 0.0332% | 4,430 |
| Net loans and leases to total assets | 42.2095% | 4,669 |
| Net loans and leases to deposits | 48.4019% | 4,729 |
| Net loans and leases to core deposits | 50.9555% | 4,733 |
| Total domestic deposits to total assets | 87.2062% | 1,517 |
| Equity capital to assets | 11.7641% | 2,311 |
| Core capital (leverage) ratio | 11.1268% | 2,394 |
| Tier 1 risk-based capital ratio | 38.8966% | 256 |
| Total risk-based capital ratio | 40.1454% | 252 |
| Memoranda: | ||
| Average total assets | $97,995,000 | 4,033 |
| Average earning assets | $96,301,400 | 3,935 |
| Average equity | $11,465,600 | 4,059 |
| Average total loans | $41,126,400 | 4,384 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5037% | 4,958 |
| Cost of funding earning assets | 0.7552% | 2,946 |
| Net interest margin | 2.7485% | 4,895 |
| Noninterest income to average assets | 0.3383% | 3,707 |
| Noninterest expense to average assets | 1.7626% | 4,862 |
| Loan and lease loss provision to assets | 0.0150% | 3,606 |
| Net operating income to assets | 1.2619% | 1,976 |
| Return on assets (ROA) | 1.2906% | 1,976 |
| Pretax return on assets | 1.2906% | 2,698 |
| Return on Equity (ROE) | 11.0459% | 2,006 |
| Retained earnings to average equity (ytd only) | 6.1418% | 2,305 |
| Net charge-offs to loans | 0.0424% | 2,245 |
| Credit loss provision to net charge-offs | 84.6154% | 2,447 |
| Earnings coverage of net charge-offs (x) | 72.0121% | 930 |
| Efficiency ratio | 57.9892% | 3,939 |
| Assets per employee ($millions) | 6.3548% | 1,359 |
| Cash dividends to net income (ytd only)* | 44.3978% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 3,874 |
| Loan loss allowance to noncurrent loans | 349.1228% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,122 |
| Noncurrent loans to loans | 0.2692% | 3,578 |
| Net loans and leases to total assets | 44.0045% | 4,691 |
| Net loans and leases to deposits | 50.7078% | 4,757 |
| Net loans and leases to core deposits | 53.6854% | 4,756 |
| Total domestic deposits to total assets | 86.7806% | 1,630 |
| Equity capital to assets | 12.8008% | 1,730 |
| Core capital (leverage) ratio | 12.1372% | 1,766 |
| Tier 1 risk-based capital ratio | 39.6835% | 249 |
| Total risk-based capital ratio | 40.9326% | 249 |
| Memoranda: | ||
| Average total assets | $97,729,750 | 4,074 |
| Average earning assets | $96,049,750 | 3,985 |
| Average equity | $11,418,750 | 4,105 |
| Average total loans | $40,855,250 | 4,447 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5151% | 4,998 |
| Cost of funding earning assets | 0.7142% | 3,088 |
| Net interest margin | 2.8010% | 4,929 |
| Noninterest income to average assets | 0.3268% | 3,755 |
| Noninterest expense to average assets | 1.7497% | 4,926 |
| Loan and lease loss provision to assets | 0.0101% | 3,544 |
| Net operating income to assets | 1.3214% | 1,692 |
| Return on assets (ROA) | 1.3214% | 1,752 |
| Pretax return on assets | 1.3214% | 2,471 |
| Return on Equity (ROE) | 11.6691% | 1,706 |
| Retained earnings to average equity (ytd only) | 6.6501% | 1,979 |
| Net charge-offs to loans | 0.0644% | 1,735 |
| Credit loss provision to net charge-offs | 38.4615% | 2,554 |
| Earnings coverage of net charge-offs (x) | 50.4615% | 1,087 |
| Efficiency ratio | 56.7852% | 4,152 |
| Assets per employee ($millions) | 6.5281% | 1,223 |
| Cash dividends to net income (ytd only)* | 43.0108% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 3,901 |
| Loan loss allowance to noncurrent loans | 264.8649% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 4,011 |
| Noncurrent loans to loans | 0.3562% | 3,266 |
| Net loans and leases to total assets | 42.0308% | 4,780 |
| Net loans and leases to deposits | 48.0969% | 4,844 |
| Net loans and leases to core deposits | 50.6155% | 4,855 |
| Total domestic deposits to total assets | 87.3878% | 1,392 |
| Equity capital to assets | 12.2027% | 2,052 |
| Core capital (leverage) ratio | 12.0904% | 1,767 |
| Tier 1 risk-based capital ratio | 40.9696% | 223 |
| Total risk-based capital ratio | 42.2200% | 219 |
| Memoranda: | ||
| Average total assets | $98,532,330 | 4,093 |
| Average earning assets | $96,895,330 | 3,991 |
| Average equity | $11,157,670 | 4,149 |
| Average total loans | $40,359,000 | 4,489 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 5,031 |
| Cost of funding earning assets | 0.6784% | 3,160 |
| Net interest margin | 2.8410% | 4,947 |
| Noninterest income to average assets | 0.3157% | 3,745 |
| Noninterest expense to average assets | 1.7240% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3881% | 1,410 |
| Return on assets (ROA) | 1.3881% | 1,445 |
| Pretax return on assets | 1.3881% | 2,131 |
| Return on Equity (ROE) | 12.7486% | 1,303 |
| Retained earnings to average equity (ytd only) | 7.5451% | 1,821 |
| Net charge-offs to loans | 0.1308% | 955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 26.3846% | 1,406 |
| Efficiency ratio | 55.3966% | 4,402 |
| Assets per employee ($millions) | 6.5465% | 1,219 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 4,002 |
| Loan loss allowance to noncurrent loans | 345.5357% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 4,237 |
| Noncurrent loans to loans | 0.2718% | 3,591 |
| Net loans and leases to total assets | 41.5731% | 4,845 |
| Net loans and leases to deposits | 47.0193% | 4,898 |
| Net loans and leases to core deposits | 49.5888% | 4,901 |
| Total domestic deposits to total assets | 88.4173% | 1,121 |
| Equity capital to assets | 11.2426% | 2,608 |
| Core capital (leverage) ratio | 11.2295% | 2,363 |
| Tier 1 risk-based capital ratio | 40.0205% | 238 |
| Total risk-based capital ratio | 41.2708% | 233 |
| Memoranda: | ||
| Average total assets | $98,838,000 | 4,125 |
| Average earning assets | $97,290,000 | 4,023 |
| Average equity | $10,762,000 | 4,230 |
| Average total loans | $39,764,000 | 4,550 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 4,903 |
| Cost of funding earning assets | 0.5663% | 2,950 |
| Net interest margin | 2.9462% | 4,856 |
| Noninterest income to average assets | 0.3696% | 3,625 |
| Noninterest expense to average assets | 1.8824% | 4,920 |
| Loan and lease loss provision to assets | 0.0413% | 3,361 |
| Net operating income to assets | 1.3387% | 1,660 |
| Return on assets (ROA) | 1.3398% | 1,642 |
| Pretax return on assets | 1.3398% | 2,363 |
| Return on Equity (ROE) | 11.3467% | 1,961 |
| Retained earnings to average equity (ytd only) | 0.3782% | 4,884 |
| Net charge-offs to loans | 0.1001% | 1,760 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 33.4054% | 1,493 |
| Efficiency ratio | 57.7002% | 4,192 |
| Assets per employee ($millions) | 6.2174% | 1,382 |
| Cash dividends to net income (ytd only)* | 96.6667% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,426 |
| Loan loss allowance to noncurrent loans | 408.1633% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 4,334 |
| Noncurrent loans to loans | 0.2558% | 3,665 |
| Net loans and leases to total assets | 38.1160% | 5,009 |
| Net loans and leases to deposits | 43.0562% | 5,048 |
| Net loans and leases to core deposits | 45.0738% | 5,058 |
| Total domestic deposits to total assets | 88.5261% | 1,059 |
| Equity capital to assets | 10.5390% | 3,141 |
| Core capital (leverage) ratio | 11.9664% | 1,757 |
| Tier 1 risk-based capital ratio | 38.8232% | 250 |
| Total risk-based capital ratio | 40.0726% | 245 |
| Memoranda: | ||
| Average total assets | $89,566,400 | 4,277 |
| Average earning assets | $87,943,200 | 4,185 |
| Average equity | $10,575,800 | 4,219 |
| Average total loans | $36,957,600 | 4,633 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5466% | 4,879 |
| Cost of funding earning assets | 0.5464% | 2,882 |
| Net interest margin | 3.0002% | 4,842 |
| Noninterest income to average assets | 0.3873% | 3,550 |
| Noninterest expense to average assets | 1.9290% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4008% | 1,490 |
| Return on assets (ROA) | 1.4024% | 1,481 |
| Pretax return on assets | 1.4024% | 2,221 |
| Return on Equity (ROE) | 11.5231% | 1,978 |
| Retained earnings to average equity (ytd only) | 6.2396% | 2,529 |
| Net charge-offs to loans | 0.0036% | 3,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 917.2707% | 95 |
| Efficiency ratio | 57.9310% | 4,139 |
| Assets per employee ($millions) | 5.5632% | 1,862 |
| Cash dividends to net income (ytd only)* | 45.8520% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,439 |
| Loan loss allowance to noncurrent loans | 243.2927% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 4,017 |
| Noncurrent loans to loans | 0.4338% | 3,104 |
| Net loans and leases to total assets | 42.0285% | 4,960 |
| Net loans and leases to deposits | 47.7595% | 5,018 |
| Net loans and leases to core deposits | 50.3093% | 5,014 |
| Total domestic deposits to total assets | 88.0004% | 1,239 |
| Equity capital to assets | 11.5929% | 2,186 |
| Core capital (leverage) ratio | 13.5311% | 1,090 |
| Tier 1 risk-based capital ratio | 40.4754% | 227 |
| Total risk-based capital ratio | 41.7270% | 223 |
| Memoranda: | ||
| Average total assets | $87,088,500 | 4,362 |
| Average earning assets | $85,413,250 | 4,274 |
| Average equity | $10,598,750 | 4,256 |
| Average total loans | $36,617,750 | 4,688 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 4,794 |
| Cost of funding earning assets | 0.5220% | 2,819 |
| Net interest margin | 3.0588% | 4,796 |
| Noninterest income to average assets | 0.3910% | 3,545 |
| Noninterest expense to average assets | 1.9387% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4483% | 1,286 |
| Return on assets (ROA) | 1.4506% | 1,280 |
| Pretax return on assets | 1.4506% | 1,984 |
| Return on Equity (ROE) | 11.7284% | 1,830 |
| Retained earnings to average equity (ytd only) | 6.4908% | 2,315 |
| Net charge-offs to loans | 0.0055% | 2,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 626.0000% | 135 |
| Efficiency ratio | 57.2404% | 4,333 |
| Assets per employee ($millions) | 4.9526% | 2,481 |
| Cash dividends to net income (ytd only)* | 44.6571% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,532 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 4,904 |
| Noncurrent loans to loans | 0.0553% | 4,666 |
| Net loans and leases to total assets | 44.6357% | 4,879 |
| Net loans and leases to deposits | 52.0275% | 4,913 |
| Net loans and leases to core deposits | 54.6156% | 4,915 |
| Total domestic deposits to total assets | 85.7925% | 2,377 |
| Equity capital to assets | 12.4271% | 1,578 |
| Core capital (leverage) ratio | 12.8886% | 1,278 |
| Tier 1 risk-based capital ratio | 38.8876% | 248 |
| Total risk-based capital ratio | 40.1361% | 243 |
| Memoranda: | ||
| Average total assets | $86,447,670 | 4,404 |
| Average earning assets | $84,674,670 | 4,322 |
| Average equity | $10,692,000 | 4,274 |
| Average total loans | $36,220,670 | 4,748 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 4,877 |
| Cost of funding earning assets | 0.4958% | 2,829 |
| Net interest margin | 3.0029% | 4,879 |
| Noninterest income to average assets | 0.3837% | 3,574 |
| Noninterest expense to average assets | 1.9001% | 5,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4159% | 1,304 |
| Return on assets (ROA) | 1.4159% | 1,311 |
| Pretax return on assets | 1.4159% | 1,956 |
| Return on Equity (ROE) | 11.4746% | 1,781 |
| Retained earnings to average equity (ytd only) | 6.2925% | 2,589 |
| Net charge-offs to loans | 0.0113% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 310.0000% | 219 |
| Efficiency ratio | 57.3003% | 4,431 |
| Assets per employee ($millions) | 5.2626% | 2,179 |
| Cash dividends to net income (ytd only)* | 45.1613% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,396 |
| Loan loss allowance to noncurrent loans | 525.0000% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 4,665 |
| Noncurrent loans to loans | 0.2092% | 4,034 |
| Net loans and leases to total assets | 40.1592% | 5,066 |
| Net loans and leases to deposits | 45.6623% | 5,110 |
| Net loans and leases to core deposits | 47.7474% | 5,108 |
| Total domestic deposits to total assets | 87.9482% | 1,646 |
| Equity capital to assets | 11.7276% | 1,973 |
| Core capital (leverage) ratio | 12.7552% | 1,269 |
| Tier 1 risk-based capital ratio | 37.5826% | 265 |
| Total risk-based capital ratio | 38.8310% | 261 |
| Memoranda: | ||
| Average total assets | $87,574,000 | 4,441 |
| Average earning assets | $85,518,500 | 4,356 |
| Average equity | $10,806,500 | 4,306 |
| Average total loans | $35,341,000 | 4,821 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4334% | 4,894 |
| Cost of funding earning assets | 0.4756% | 2,542 |
| Net interest margin | 2.9578% | 4,963 |
| Noninterest income to average assets | 0.3959% | 3,664 |
| Noninterest expense to average assets | 1.8714% | 5,158 |
| Loan and lease loss provision to assets | 0.1139% | 1,993 |
| Net operating income to assets | 1.2879% | 1,254 |
| Return on assets (ROA) | 1.2660% | 1,332 |
| Pretax return on assets | 1.2660% | 2,485 |
| Return on Equity (ROE) | 9.5639% | 2,073 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,012 |
| Net charge-offs to loans | 0.2864% | 921 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 12.3030% | 2,486 |
| Efficiency ratio | 57.1730% | 4,626 |
| Assets per employee ($millions) | 5.0402% | 2,434 |
| Cash dividends to net income (ytd only)* | 100.0000% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,987 |
| Loan loss allowance to noncurrent loans | 350.8772% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 4,320 |
| Noncurrent loans to loans | 0.3318% | 3,578 |
| Net loans and leases to total assets | 39.6282% | 5,144 |
| Net loans and leases to deposits | 46.0513% | 5,192 |
| Net loans and leases to core deposits | 48.3173% | 5,183 |
| Total domestic deposits to total assets | 86.0522% | 2,408 |
| Equity capital to assets | 12.9791% | 1,276 |
| Core capital (leverage) ratio | 12.8641% | 1,193 |
| Tier 1 risk-based capital ratio | 28.6700% | 511 |
| Total risk-based capital ratio | 29.7042% | 515 |
| Memoranda: | ||
| Average total assets | $86,888,000 | 4,477 |
| Average earning assets | $84,522,400 | 4,388 |
| Average equity | $11,501,600 | 4,224 |
| Average total loans | $34,572,800 | 4,883 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4340% | 4,919 |
| Cost of funding earning assets | 0.4697% | 2,526 |
| Net interest margin | 2.9643% | 4,999 |
| Noninterest income to average assets | 0.3838% | 3,789 |
| Noninterest expense to average assets | 1.8519% | 5,199 |
| Loan and lease loss provision to assets | 0.0153% | 3,836 |
| Net operating income to assets | 1.4023% | 1,079 |
| Return on assets (ROA) | 1.4252% | 1,062 |
| Pretax return on assets | 1.4252% | 2,038 |
| Return on Equity (ROE) | 10.7154% | 1,817 |
| Retained earnings to average equity (ytd only) | 5.8866% | 2,316 |
| Net charge-offs to loans | 0.3812% | 555 |
| Credit loss provision to net charge-offs | 10.1010% | 3,224 |
| Earnings coverage of net charge-offs (x) | 9.3634% | 2,700 |
| Efficiency ratio | 56.6417% | 4,660 |
| Assets per employee ($millions) | 5.2805% | 2,143 |
| Cash dividends to net income (ytd only)* | 45.0645% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 4,555 |
| Loan loss allowance to noncurrent loans | 407.8947% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 4,637 |
| Noncurrent loans to loans | 0.2212% | 4,182 |
| Net loans and leases to total assets | 40.3075% | 5,187 |
| Net loans and leases to deposits | 47.1454% | 5,221 |
| Net loans and leases to core deposits | 49.7124% | 5,207 |
| Total domestic deposits to total assets | 85.4962% | 2,518 |
| Equity capital to assets | 14.1192% | 959 |
| Core capital (leverage) ratio | 13.4743% | 1,031 |
| Tier 1 risk-based capital ratio | 36.7952% | 283 |
| Total risk-based capital ratio | 37.7783% | 288 |
| Memoranda: | ||
| Average total assets | $87,189,000 | 4,514 |
| Average earning assets | $84,874,250 | 4,421 |
| Average equity | $11,596,750 | 4,248 |
| Average total loans | $34,627,250 | 4,928 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 4,960 |
| Cost of funding earning assets | 0.4584% | 2,522 |
| Net interest margin | 2.9483% | 5,007 |
| Noninterest income to average assets | 0.3678% | 3,922 |
| Noninterest expense to average assets | 1.8118% | 5,300 |
| Loan and lease loss provision to assets | 0.0091% | 3,745 |
| Net operating income to assets | 1.4236% | 1,009 |
| Return on assets (ROA) | 1.4576% | 964 |
| Pretax return on assets | 1.4576% | 1,804 |
| Return on Equity (ROE) | 11.1788% | 1,571 |
| Retained earnings to average equity (ytd only) | 6.3033% | 1,962 |
| Net charge-offs to loans | 0.5704% | 340 |
| Credit loss provision to net charge-offs | 4.0404% | 2,886 |
| Earnings coverage of net charge-offs (x) | 6.3737% | 2,719 |
| Efficiency ratio | 55.8432% | 4,849 |
| Assets per employee ($millions) | 5.0548% | 2,331 |
| Cash dividends to net income (ytd only)* | 43.6137% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,755 |
| Loan loss allowance to noncurrent loans | 417.8082% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 4,530 |
| Noncurrent loans to loans | 0.2081% | 4,286 |
| Net loans and leases to total assets | 40.4715% | 5,213 |
| Net loans and leases to deposits | 47.1694% | 5,238 |
| Net loans and leases to core deposits | 49.8659% | 5,230 |
| Total domestic deposits to total assets | 85.8004% | 2,472 |
| Equity capital to assets | 13.8621% | 1,013 |
| Core capital (leverage) ratio | 12.8067% | 1,254 |
| Tier 1 risk-based capital ratio | 36.1579% | 277 |
| Total risk-based capital ratio | 37.1208% | 283 |
| Memoranda: | ||
| Average total assets | $88,089,330 | 4,524 |
| Average earning assets | $85,948,330 | 4,436 |
| Average equity | $11,486,000 | 4,277 |
| Average total loans | $34,714,670 | 4,962 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 5,002 |
| Cost of funding earning assets | 0.4515% | 2,513 |
| Net interest margin | 2.9164% | 5,054 |
| Noninterest income to average assets | 0.3499% | 4,040 |
| Noninterest expense to average assets | 1.7719% | 5,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4175% | 966 |
| Return on assets (ROA) | 1.4445% | 927 |
| Pretax return on assets | 1.4445% | 1,716 |
| Return on Equity (ROE) | 11.4255% | 1,428 |
| Retained earnings to average equity (ytd only) | 6.4579% | 2,109 |
| Net charge-offs to loans | 0.0232% | 2,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 342 |
| Efficiency ratio | 55.5556% | 4,985 |
| Assets per employee ($millions) | 5.6561% | 1,758 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,502 |
| Loan loss allowance to noncurrent loans | 191.3462% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 4,013 |
| Noncurrent loans to loans | 0.5919% | 3,040 |
| Net loans and leases to total assets | 38.3946% | 5,309 |
| Net loans and leases to deposits | 44.0615% | 5,363 |
| Net loans and leases to core deposits | 46.4177% | 5,354 |
| Total domestic deposits to total assets | 87.1388% | 2,140 |
| Equity capital to assets | 12.5673% | 1,488 |
| Core capital (leverage) ratio | 12.2729% | 1,460 |
| Tier 1 risk-based capital ratio | 34.1958% | 348 |
| Total risk-based capital ratio | 35.4031% | 340 |
| Memoranda: | ||
| Average total assets | $89,168,000 | 4,557 |
| Average earning assets | $86,819,500 | 4,459 |
| Average equity | $11,273,000 | 4,341 |
| Average total loans | $34,530,500 | 5,015 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2222% | 5,269 |
| Cost of funding earning assets | 0.4407% | 2,607 |
| Net interest margin | 2.7816% | 5,321 |
| Noninterest income to average assets | 0.4558% | 3,505 |
| Noninterest expense to average assets | 1.8413% | 5,437 |
| Loan and lease loss provision to assets | 0.0465% | 3,462 |
| Net operating income to assets | 1.2948% | 1,225 |
| Return on assets (ROA) | 1.3016% | 1,282 |
| Pretax return on assets | 1.3016% | 2,281 |
| Return on Equity (ROE) | 9.5233% | 2,184 |
| Retained earnings to average equity (ytd only) | 0.3982% | 5,160 |
| Net charge-offs to loans | 0.1252% | 1,993 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 28.8537% | 1,462 |
| Efficiency ratio | 57.8554% | 4,869 |
| Assets per employee ($millions) | 5.4899% | 1,872 |
| Cash dividends to net income (ytd only)* | 95.8188% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 3,243 |
| Loan loss allowance to noncurrent loans | 296.2963% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 4,196 |
| Noncurrent loans to loans | 0.3980% | 3,722 |
| Net loans and leases to total assets | 38.1573% | 5,397 |
| Net loans and leases to deposits | 44.1961% | 5,425 |
| Net loans and leases to core deposits | 46.2348% | 5,420 |
| Total domestic deposits to total assets | 86.3364% | 2,440 |
| Equity capital to assets | 12.7199% | 1,389 |
| Core capital (leverage) ratio | 12.1715% | 1,494 |
| Tier 1 risk-based capital ratio | 35.5114% | 304 |
| Total risk-based capital ratio | 36.7600% | 300 |
| Memoranda: | ||
| Average total assets | $88,200,800 | 4,578 |
| Average earning assets | $86,462,000 | 4,464 |
| Average equity | $12,054,600 | 4,245 |
| Average total loans | $32,752,200 | 5,104 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2146% | 5,343 |
| Cost of funding earning assets | 0.4377% | 2,663 |
| Net interest margin | 2.7770% | 5,393 |
| Noninterest income to average assets | 0.4591% | 3,497 |
| Noninterest expense to average assets | 1.8348% | 5,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3455% | 1,178 |
| Return on assets (ROA) | 1.3546% | 1,235 |
| Pretax return on assets | 1.3546% | 2,220 |
| Return on Equity (ROE) | 9.7431% | 2,173 |
| Retained earnings to average equity (ytd only) | 5.3984% | 2,554 |
| Net charge-offs to loans | 0.0986% | 1,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 37.1241% | 1,295 |
| Efficiency ratio | 57.6923% | 4,856 |
| Assets per employee ($millions) | 5.7094% | 1,654 |
| Cash dividends to net income (ytd only)* | 44.5931% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 3,613 |
| Loan loss allowance to noncurrent loans | 241.0256% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 4,287 |
| Noncurrent loans to loans | 0.4730% | 3,598 |
| Net loans and leases to total assets | 35.6924% | 5,563 |
| Net loans and leases to deposits | 41.6374% | 5,592 |
| Net loans and leases to core deposits | 43.5157% | 5,596 |
| Total domestic deposits to total assets | 85.7219% | 2,495 |
| Equity capital to assets | 13.9343% | 1,065 |
| Core capital (leverage) ratio | 13.0421% | 1,176 |
| Tier 1 risk-based capital ratio | 37.2897% | 279 |
| Total risk-based capital ratio | 38.5040% | 277 |
| Memoranda: | ||
| Average total assets | $88,291,250 | 4,614 |
| Average earning assets | $86,519,500 | 4,500 |
| Average equity | $12,275,000 | 4,247 |
| Average total loans | $32,461,000 | 5,165 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2478% | 5,369 |
| Cost of funding earning assets | 0.4399% | 2,655 |
| Net interest margin | 2.8079% | 5,413 |
| Noninterest income to average assets | 0.4331% | 3,646 |
| Noninterest expense to average assets | 1.8563% | 5,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3269% | 1,210 |
| Return on assets (ROA) | 1.3406% | 1,258 |
| Pretax return on assets | 1.3406% | 2,245 |
| Return on Equity (ROE) | 9.6505% | 2,201 |
| Retained earnings to average equity (ytd only) | 5.6913% | 2,309 |
| Net charge-offs to loans | 0.0310% | 2,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 115.8000% | 508 |
| Efficiency ratio | 58.3153% | 4,861 |
| Assets per employee ($millions) | 5.6333% | 1,672 |
| Cash dividends to net income (ytd only)* | 41.0256% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 3,369 |
| Loan loss allowance to noncurrent loans | 165.6904% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 3,516 |
| Noncurrent loans to loans | 0.7235% | 2,924 |
| Net loans and leases to total assets | 36.2087% | 5,596 |
| Net loans and leases to deposits | 42.3223% | 5,607 |
| Net loans and leases to core deposits | 44.2792% | 5,616 |
| Total domestic deposits to total assets | 85.5547% | 2,625 |
| Equity capital to assets | 14.1313% | 979 |
| Core capital (leverage) ratio | 13.3755% | 1,027 |
| Tier 1 risk-based capital ratio | 37.2885% | 280 |
| Total risk-based capital ratio | 38.5386% | 280 |
| Memoranda: | ||
| Average total assets | $87,271,670 | 4,669 |
| Average earning assets | $85,472,000 | 4,552 |
| Average equity | $12,123,670 | 4,298 |
| Average total loans | $32,287,670 | 5,225 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3160% | 5,291 |
| Cost of funding earning assets | 0.4472% | 2,616 |
| Net interest margin | 2.8688% | 5,366 |
| Noninterest income to average assets | 0.4054% | 3,788 |
| Noninterest expense to average assets | 1.8965% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3187% | 1,210 |
| Return on assets (ROA) | 1.3467% | 1,214 |
| Pretax return on assets | 1.3467% | 2,106 |
| Return on Equity (ROE) | 9.7825% | 2,083 |
| Retained earnings to average equity (ytd only) | 5.7206% | 2,516 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9855% | 4,875 |
| Assets per employee ($millions) | 5.4900% | 1,837 |
| Cash dividends to net income (ytd only)* | 41.5225% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 3,266 |
| Loan loss allowance to noncurrent loans | 193.2367% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 3,437 |
| Noncurrent loans to loans | 0.6406% | 3,254 |
| Net loans and leases to total assets | 36.3308% | 5,621 |
| Net loans and leases to deposits | 42.2482% | 5,646 |
| Net loans and leases to core deposits | 44.2560% | 5,650 |
| Total domestic deposits to total assets | 85.9939% | 2,672 |
| Equity capital to assets | 13.7295% | 1,077 |
| Core capital (leverage) ratio | 13.3743% | 1,029 |
| Tier 1 risk-based capital ratio | 36.7291% | 294 |
| Total risk-based capital ratio | 37.9796% | 291 |
| Memoranda: | ||
| Average total assets | $85,841,000 | 4,735 |
| Average earning assets | $84,077,500 | 4,619 |
| Average equity | $11,817,000 | 4,359 |
| Average total loans | $31,915,500 | 5,271 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3895% | 5,184 |
| Cost of funding earning assets | 0.4587% | 2,547 |
| Net interest margin | 2.9309% | 5,288 |
| Noninterest income to average assets | 0.3079% | 4,684 |
| Noninterest expense to average assets | 1.8405% | 5,682 |
| Loan and lease loss provision to assets | 0.0945% | 2,430 |
| Net operating income to assets | 1.2421% | 1,409 |
| Return on assets (ROA) | 1.3424% | 1,204 |
| Pretax return on assets | 1.3424% | 2,120 |
| Return on Equity (ROE) | 9.6016% | 2,177 |
| Retained earnings to average equity (ytd only) | 0.4254% | 5,347 |
| Net charge-offs to loans | 0.2631% | 1,144 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 14.1481% | 2,321 |
| Efficiency ratio | 57.9295% | 5,151 |
| Assets per employee ($millions) | 5.2401% | 2,073 |
| Cash dividends to net income (ytd only)* | 95.5691% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 3,069 |
| Loan loss allowance to noncurrent loans | 625.0000% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 3,975 |
| Noncurrent loans to loans | 0.2031% | 4,690 |
| Net loans and leases to total assets | 37.1150% | 5,662 |
| Net loans and leases to deposits | 43.5406% | 5,665 |
| Net loans and leases to core deposits | 45.7463% | 5,661 |
| Total domestic deposits to total assets | 85.2425% | 2,975 |
| Equity capital to assets | 13.8045% | 1,004 |
| Core capital (leverage) ratio | 13.2967% | 1,044 |
| Tier 1 risk-based capital ratio | 35.2127% | 332 |
| Total risk-based capital ratio | 36.4622% | 329 |
| Memoranda: | ||
| Average total assets | $85,738,800 | 4,747 |
| Average earning assets | $83,934,600 | 4,633 |
| Average equity | $11,987,600 | 4,307 |
| Average total loans | $30,782,800 | 5,330 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3926% | 5,221 |
| Cost of funding earning assets | 0.4585% | 2,604 |
| Net interest margin | 2.9342% | 5,342 |
| Noninterest income to average assets | 0.3743% | 4,255 |
| Noninterest expense to average assets | 1.8419% | 5,723 |
| Loan and lease loss provision to assets | 0.0588% | 3,010 |
| Net operating income to assets | 1.3439% | 1,241 |
| Return on assets (ROA) | 1.4769% | 995 |
| Pretax return on assets | 1.4769% | 1,748 |
| Return on Equity (ROE) | 10.5310% | 1,890 |
| Retained earnings to average equity (ytd only) | 5.6790% | 2,464 |
| Net charge-offs to loans | 0.4837% | 505 |
| Credit loss provision to net charge-offs | 34.2342% | 3,228 |
| Earnings coverage of net charge-offs (x) | 8.1709% | 2,837 |
| Efficiency ratio | 56.7684% | 5,253 |
| Assets per employee ($millions) | 5.3579% | 1,900 |
| Cash dividends to net income (ytd only)* | 46.0732% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 4,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 3,879 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 37.9931% | 5,705 |
| Net loans and leases to deposits | 44.5018% | 5,704 |
| Net loans and leases to core deposits | 46.5625% | 5,714 |
| Total domestic deposits to total assets | 85.3743% | 2,842 |
| Equity capital to assets | 14.2920% | 919 |
| Core capital (leverage) ratio | 13.8613% | 898 |
| Tier 1 risk-based capital ratio | 35.5478% | 334 |
| Total risk-based capital ratio | 36.5573% | 340 |
| Memoranda: | ||
| Average total assets | $86,213,000 | 4,799 |
| Average earning assets | $84,337,250 | 4,682 |
| Average equity | $12,091,000 | 4,341 |
| Average total loans | $30,599,000 | 5,400 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 5,259 |
| Cost of funding earning assets | 0.4569% | 2,641 |
| Net interest margin | 2.9308% | 5,384 |
| Noninterest income to average assets | 0.4098% | 4,006 |
| Noninterest expense to average assets | 1.8339% | 5,808 |
| Loan and lease loss provision to assets | 0.0278% | 3,574 |
| Net operating income to assets | 1.4148% | 1,059 |
| Return on assets (ROA) | 1.5051% | 932 |
| Pretax return on assets | 1.5051% | 1,638 |
| Return on Equity (ROE) | 10.7997% | 1,749 |
| Retained earnings to average equity (ytd only) | 5.4829% | 2,545 |
| Net charge-offs to loans | 0.0134% | 3,460 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 311.5000% | 221 |
| Efficiency ratio | 55.9717% | 5,430 |
| Assets per employee ($millions) | 5.7156% | 1,557 |
| Cash dividends to net income (ytd only)* | 49.2308% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,858 |
| Loan loss allowance to noncurrent loans | 112.9477% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 2,887 |
| Noncurrent loans to loans | 1.2200% | 2,212 |
| Net loans and leases to total assets | 34.2268% | 5,900 |
| Net loans and leases to deposits | 39.8631% | 5,904 |
| Net loans and leases to core deposits | 41.8441% | 5,904 |
| Total domestic deposits to total assets | 85.8609% | 2,768 |
| Equity capital to assets | 13.7985% | 1,054 |
| Core capital (leverage) ratio | 13.5033% | 986 |
| Tier 1 risk-based capital ratio | 31.5170% | 475 |
| Total risk-based capital ratio | 32.6574% | 475 |
| Memoranda: | ||
| Average total assets | $86,375,330 | 4,850 |
| Average earning assets | $84,483,000 | 4,724 |
| Average equity | $12,037,330 | 4,375 |
| Average total loans | $29,833,000 | 5,477 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3984% | 5,206 |
| Cost of funding earning assets | 0.4626% | 2,650 |
| Net interest margin | 2.9358% | 5,375 |
| Noninterest income to average assets | 0.4337% | 3,743 |
| Noninterest expense to average assets | 1.8317% | 5,851 |
| Loan and lease loss provision to assets | 0.0277% | 3,331 |
| Net operating income to assets | 1.4441% | 953 |
| Return on assets (ROA) | 1.4810% | 937 |
| Pretax return on assets | 1.4810% | 1,627 |
| Return on Equity (ROE) | 10.5757% | 1,774 |
| Retained earnings to average equity (ytd only) | 3.9865% | 3,609 |
| Net charge-offs to loans | -0.0670% | 5,675 |
| Credit loss provision to net charge-offs | -120.0000% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4469% | 5,560 |
| Assets per employee ($millions) | 5.8037% | 1,550 |
| Cash dividends to net income (ytd only)* | 62.3053% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 3,068 |
| Loan loss allowance to noncurrent loans | 109.6000% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 2,968 |
| Noncurrent loans to loans | 1.2481% | 2,294 |
| Net loans and leases to total assets | 34.0402% | 5,925 |
| Net loans and leases to deposits | 39.8558% | 5,917 |
| Net loans and leases to core deposits | 41.8164% | 5,919 |
| Total domestic deposits to total assets | 85.4082% | 3,216 |
| Equity capital to assets | 14.1863% | 924 |
| Core capital (leverage) ratio | 12.9968% | 1,158 |
| Tier 1 risk-based capital ratio | 28.4796% | 624 |
| Total risk-based capital ratio | 29.5318% | 624 |
| Memoranda: | ||
| Average total assets | $86,696,000 | 4,886 |
| Average earning assets | $84,746,000 | 4,754 |
| Average equity | $12,141,000 | 4,391 |
| Average total loans | $29,872,500 | 5,514 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4267% | 5,473 |
| Cost of funding earning assets | 0.5036% | 2,637 |
| Net interest margin | 2.9231% | 5,596 |
| Noninterest income to average assets | 0.4706% | 3,707 |
| Noninterest expense to average assets | 1.7849% | 6,087 |
| Loan and lease loss provision to assets | 0.0329% | 3,937 |
| Net operating income to assets | 1.5072% | 864 |
| Return on assets (ROA) | 1.5413% | 840 |
| Pretax return on assets | 1.5413% | 1,411 |
| Return on Equity (ROE) | 11.4607% | 1,572 |
| Retained earnings to average equity (ytd only) | 0.9623% | 5,344 |
| Net charge-offs to loans | 0.0110% | 4,688 |
| Credit loss provision to net charge-offs | 933.3333% | 287 |
| Earnings coverage of net charge-offs (x) | 436.3333% | 119 |
| Efficiency ratio | 53.6801% | 5,867 |
| Assets per employee ($millions) | 5.7557% | 1,554 |
| Cash dividends to net income (ytd only)* | 91.6031% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 3,186 |
| Loan loss allowance to noncurrent loans | 88.6918% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 2,992 |
| Noncurrent loans to loans | 1.5185% | 1,934 |
| Net loans and leases to total assets | 33.9372% | 6,039 |
| Net loans and leases to deposits | 39.8737% | 6,043 |
| Net loans and leases to core deposits | 42.0264% | 6,041 |
| Total domestic deposits to total assets | 85.1117% | 3,241 |
| Equity capital to assets | 13.8204% | 1,022 |
| Core capital (leverage) ratio | 12.9098% | 1,175 |
| Tier 1 risk-based capital ratio | 34.4822% | 355 |
| Total risk-based capital ratio | 35.7324% | 350 |
| Memoranda: | ||
| Average total assets | $84,992,000 | 4,941 |
| Average earning assets | $82,995,200 | 4,821 |
| Average equity | $11,430,400 | 4,470 |
| Average total loans | $27,254,800 | 5,681 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4291% | 5,541 |
| Cost of funding earning assets | 0.5097% | 2,665 |
| Net interest margin | 2.9194% | 5,662 |
| Noninterest income to average assets | 0.4788% | 3,695 |
| Noninterest expense to average assets | 1.7372% | 6,172 |
| Loan and lease loss provision to assets | 0.0063% | 4,292 |
| Net operating income to assets | 1.5860% | 779 |
| Return on assets (ROA) | 1.6443% | 704 |
| Pretax return on assets | 1.6443% | 1,196 |
| Return on Equity (ROE) | 12.3129% | 1,394 |
| Retained earnings to average equity (ytd only) | 7.1235% | 1,753 |
| Net charge-offs to loans | 0.0050% | 4,525 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | 1,013.5113% | 71 |
| Efficiency ratio | 52.1760% | 5,978 |
| Assets per employee ($millions) | 6.0075% | 1,334 |
| Cash dividends to net income (ytd only)* | 42.1453% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 3,161 |
| Loan loss allowance to noncurrent loans | 55.6701% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 2,729 |
| Noncurrent loans to loans | 2.5192% | 1,161 |
| Net loans and leases to total assets | 29.4911% | 6,269 |
| Net loans and leases to deposits | 34.1660% | 6,290 |
| Net loans and leases to core deposits | 35.9277% | 6,283 |
| Total domestic deposits to total assets | 86.3170% | 2,691 |
| Equity capital to assets | 13.2968% | 1,281 |
| Core capital (leverage) ratio | 13.6973% | 930 |
| Tier 1 risk-based capital ratio | 39.8468% | 245 |
| Total risk-based capital ratio | 41.0909% | 243 |
| Memoranda: | ||
| Average total assets | $84,656,000 | 5,007 |
| Average earning assets | $82,662,000 | 4,881 |
| Average equity | $11,305,000 | 4,530 |
| Average total loans | $26,643,500 | 5,776 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5006% | 5,408 |
| Cost of funding earning assets | 0.5245% | 2,594 |
| Net interest margin | 2.9762% | 5,583 |
| Noninterest income to average assets | 0.4805% | 3,628 |
| Noninterest expense to average assets | 1.7480% | 6,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6369% | 656 |
| Return on assets (ROA) | 1.6273% | 695 |
| Pretax return on assets | 1.6273% | 1,187 |
| Return on Equity (ROE) | 12.1668% | 1,373 |
| Retained earnings to average equity (ytd only) | 7.1123% | 1,717 |
| Net charge-offs to loans | 0.0377% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 135.6000% | 445 |
| Efficiency ratio | 51.6405% | 6,088 |
| Assets per employee ($millions) | 5.6623% | 1,557 |
| Cash dividends to net income (ytd only)* | 41.5430% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 3,363 |
| Loan loss allowance to noncurrent loans | 81.6777% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 3,194 |
| Noncurrent loans to loans | 1.7116% | 2,018 |
| Net loans and leases to total assets | 30.7262% | 6,282 |
| Net loans and leases to deposits | 35.8131% | 6,295 |
| Net loans and leases to core deposits | 37.7867% | 6,286 |
| Total domestic deposits to total assets | 85.7960% | 3,155 |
| Equity capital to assets | 13.8107% | 1,047 |
| Core capital (leverage) ratio | 13.6978% | 921 |
| Tier 1 risk-based capital ratio | 39.3117% | 255 |
| Total risk-based capital ratio | 40.5483% | 253 |
| Memoranda: | ||
| Average total assets | $82,837,330 | 5,084 |
| Average earning assets | $80,842,330 | 4,964 |
| Average equity | $11,079,330 | 4,592 |
| Average total loans | $26,540,330 | 5,820 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5541% | 5,286 |
| Cost of funding earning assets | 0.5364% | 2,543 |
| Net interest margin | 3.0177% | 5,482 |
| Noninterest income to average assets | 0.4695% | 3,633 |
| Noninterest expense to average assets | 1.6922% | 6,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7215% | 552 |
| Return on assets (ROA) | 1.7215% | 572 |
| Pretax return on assets | 1.7215% | 931 |
| Return on Equity (ROE) | 13.0928% | 1,142 |
| Retained earnings to average equity (ytd only) | 8.6293% | 1,371 |
| Net charge-offs to loans | -0.0151% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5702% | 6,280 |
| Assets per employee ($millions) | 5.4196% | 1,781 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 3,553 |
| Loan loss allowance to noncurrent loans | 74.7515% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.0702% | 3,119 |
| Noncurrent loans to loans | 1.8861% | 2,017 |
| Net loans and leases to total assets | 32.3431% | 6,251 |
| Net loans and leases to deposits | 37.6319% | 6,265 |
| Net loans and leases to core deposits | 39.9693% | 6,237 |
| Total domestic deposits to total assets | 85.9461% | 3,393 |
| Equity capital to assets | 13.7169% | 1,029 |
| Core capital (leverage) ratio | 13.5740% | 952 |
| Tier 1 risk-based capital ratio | 38.5327% | 263 |
| Total risk-based capital ratio | 39.7832% | 260 |
| Memoranda: | ||
| Average total assets | $81,789,000 | 5,167 |
| Average earning assets | $79,795,500 | 5,032 |
| Average equity | $10,754,000 | 4,679 |
| Average total loans | $26,577,000 | 5,871 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 5,636 |
| Cost of funding earning assets | 0.6221% | 2,465 |
| Net interest margin | 2.8808% | 5,820 |
| Noninterest income to average assets | 0.4807% | 3,882 |
| Noninterest expense to average assets | 1.7333% | 6,409 |
| Loan and lease loss provision to assets | 0.1561% | 2,323 |
| Net operating income to assets | 1.3740% | 1,077 |
| Return on assets (ROA) | 1.4967% | 869 |
| Pretax return on assets | 1.4967% | 1,459 |
| Return on Equity (ROE) | 10.3673% | 1,970 |
| Retained earnings to average equity (ytd only) | 0.0687% | 5,822 |
| Net charge-offs to loans | 0.4497% | 1,471 |
| Credit loss provision to net charge-offs | 109.5652% | 2,198 |
| Earnings coverage of net charge-offs (x) | 10.7391% | 2,324 |
| Efficiency ratio | 53.1131% | 6,208 |
| Assets per employee ($millions) | 5.8774% | 1,354 |
| Cash dividends to net income (ytd only)* | 99.3377% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 3,571 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 4,808 |
| Noncurrent loans to loans | 0.0944% | 5,930 |
| Net loans and leases to total assets | 31.7316% | 6,401 |
| Net loans and leases to deposits | 36.6884% | 6,409 |
| Net loans and leases to core deposits | 39.0997% | 6,391 |
| Total domestic deposits to total assets | 86.4895% | 2,996 |
| Equity capital to assets | 12.5869% | 1,471 |
| Core capital (leverage) ratio | 13.1600% | 1,078 |
| Tier 1 risk-based capital ratio | 37.6821% | 267 |
| Total risk-based capital ratio | 38.9348% | 265 |
| Memoranda: | ||
| Average total assets | $80,711,600 | 5,223 |
| Average earning assets | $77,963,400 | 5,091 |
| Average equity | $11,652,000 | 4,518 |
| Average total loans | $25,573,000 | 5,955 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 5,513 |
| Cost of funding earning assets | 0.6443% | 2,415 |
| Net interest margin | 2.9304% | 5,739 |
| Noninterest income to average assets | 0.4665% | 4,024 |
| Noninterest expense to average assets | 1.6633% | 6,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6268% | 713 |
| Return on assets (ROA) | 1.6600% | 704 |
| Pretax return on assets | 1.6600% | 1,184 |
| Return on Equity (ROE) | 11.1333% | 1,776 |
| Retained earnings to average equity (ytd only) | 4.4533% | 3,500 |
| Net charge-offs to loans | -0.0579% | 6,358 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5550% | 6,365 |
| Assets per employee ($millions) | 5.8664% | 1,331 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 3,924 |
| Loan loss allowance to noncurrent loans | 88.4434% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9643% | 3,736 |
| Noncurrent loans to loans | 1.5753% | 2,806 |
| Net loans and leases to total assets | 32.3150% | 6,440 |
| Net loans and leases to deposits | 37.5777% | 6,461 |
| Net loans and leases to core deposits | 40.0937% | 6,445 |
| Total domestic deposits to total assets | 85.9952% | 3,252 |
| Equity capital to assets | 13.5555% | 1,099 |
| Core capital (leverage) ratio | 14.0224% | 865 |
| Tier 1 risk-based capital ratio | 36.9241% | 286 |
| Total risk-based capital ratio | 38.1512% | 284 |
| Memoranda: | ||
| Average total assets | $80,318,500 | 5,280 |
| Average earning assets | $77,393,000 | 5,156 |
| Average equity | $11,975,750 | 4,497 |
| Average total loans | $25,345,000 | 6,018 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 5,567 |
| Cost of funding earning assets | 0.6798% | 2,224 |
| Net interest margin | 2.8787% | 5,833 |
| Noninterest income to average assets | 0.4516% | 4,153 |
| Noninterest expense to average assets | 1.6634% | 6,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5505% | 817 |
| Return on assets (ROA) | 1.5932% | 828 |
| Pretax return on assets | 1.5932% | 1,389 |
| Return on Equity (ROE) | 10.3617% | 2,057 |
| Retained earnings to average equity (ytd only) | 3.8346% | 3,858 |
| Net charge-offs to loans | -0.0725% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7564% | 6,296 |
| Assets per employee ($millions) | 5.5451% | 1,542 |
| Cash dividends to net income (ytd only)* | 62.9921% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 3,703 |
| Loan loss allowance to noncurrent loans | 94.6701% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 3,799 |
| Noncurrent loans to loans | 1.5576% | 2,971 |
| Net loans and leases to total assets | 32.1027% | 6,500 |
| Net loans and leases to deposits | 37.9359% | 6,488 |
| Net loans and leases to core deposits | 40.5876% | 6,445 |
| Total domestic deposits to total assets | 84.6236% | 4,074 |
| Equity capital to assets | 14.8534% | 741 |
| Core capital (leverage) ratio | 13.8155% | 873 |
| Tier 1 risk-based capital ratio | 37.8674% | 271 |
| Total risk-based capital ratio | 39.1173% | 265 |
| Memoranda: | ||
| Average total assets | $79,715,000 | 5,324 |
| Average earning assets | $76,493,000 | 5,216 |
| Average equity | $12,256,670 | 4,474 |
| Average total loans | $24,821,670 | 6,077 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 5,832 |
| Cost of funding earning assets | 0.7232% | 2,040 |
| Net interest margin | 2.7275% | 6,171 |
| Noninterest income to average assets | 0.4507% | 4,119 |
| Noninterest expense to average assets | 1.6296% | 6,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4364% | 973 |
| Return on assets (ROA) | 1.5206% | 899 |
| Pretax return on assets | 1.5206% | 1,513 |
| Return on Equity (ROE) | 9.7310% | 2,174 |
| Retained earnings to average equity (ytd only) | 3.3916% | 4,221 |
| Net charge-offs to loans | -0.0651% | 6,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1502% | 6,287 |
| Assets per employee ($millions) | 5.9439% | 1,292 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 3,867 |
| Loan loss allowance to noncurrent loans | 107.6023% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.1176% | 3,702 |
| Noncurrent loans to loans | 1.3857% | 3,486 |
| Net loans and leases to total assets | 29.2171% | 6,634 |
| Net loans and leases to deposits | 34.5881% | 6,615 |
| Net loans and leases to core deposits | 36.6513% | 6,604 |
| Total domestic deposits to total assets | 84.4715% | 4,277 |
| Equity capital to assets | 15.1355% | 725 |
| Core capital (leverage) ratio | 13.4131% | 969 |
| Tier 1 risk-based capital ratio | 38.8109% | 255 |
| Total risk-based capital ratio | 40.0628% | 250 |
| Memoranda: | ||
| Average total assets | $80,756,500 | 5,341 |
| Average earning assets | $77,434,000 | 5,224 |
| Average equity | $12,619,500 | 4,448 |
| Average total loans | $24,585,000 | 6,139 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 6,037 |
| Cost of funding earning assets | 0.7656% | 2,962 |
| Net interest margin | 2.9408% | 6,152 |
| Noninterest income to average assets | 0.3689% | 4,838 |
| Noninterest expense to average assets | 1.6621% | 6,755 |
| Loan and lease loss provision to assets | 0.0380% | 5,404 |
| Net operating income to assets | 1.5227% | 878 |
| Return on assets (ROA) | 1.6647% | 748 |
| Pretax return on assets | 1.6647% | 1,227 |
| Return on Equity (ROE) | 10.2448% | 2,076 |
| Retained earnings to average equity (ytd only) | 0.8817% | 5,427 |
| Net charge-offs to loans | -0.1358% | 6,888 |
| Credit loss provision to net charge-offs | -88.2353% | 6,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5736% | 6,491 |
| Assets per employee ($millions) | 6.0229% | 1,263 |
| Cash dividends to net income (ytd only)* | 91.3938% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 3,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 4,568 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 30.8118% | 6,671 |
| Net loans and leases to deposits | 37.1600% | 6,658 |
| Net loans and leases to core deposits | 39.1563% | 6,640 |
| Total domestic deposits to total assets | 82.9165% | 4,756 |
| Equity capital to assets | 16.1486% | 531 |
| Core capital (leverage) ratio | 13.7601% | 869 |
| Tier 1 risk-based capital ratio | 38.5208% | 265 |
| Total risk-based capital ratio | 39.7717% | 258 |
| Memoranda: | ||
| Average total assets | $78,875,000 | 5,388 |
| Average earning assets | $76,544,200 | 5,225 |
| Average equity | $12,816,200 | 4,399 |
| Average total loans | $25,042,600 | 6,192 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7538% | 6,120 |
| Cost of funding earning assets | 0.7737% | 3,158 |
| Net interest margin | 2.9801% | 6,204 |
| Noninterest income to average assets | 0.4488% | 4,303 |
| Noninterest expense to average assets | 1.5827% | 6,890 |
| Loan and lease loss provision to assets | 0.0506% | 5,122 |
| Net operating income to assets | 1.7076% | 675 |
| Return on assets (ROA) | 1.7666% | 681 |
| Pretax return on assets | 1.7666% | 1,132 |
| Return on Equity (ROE) | 10.8558% | 2,007 |
| Retained earnings to average equity (ytd only) | 4.6347% | 3,635 |
| Net charge-offs to loans | -0.0635% | 6,764 |
| Credit loss provision to net charge-offs | -250.0000% | 6,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3737% | 6,753 |
| Assets per employee ($millions) | 6.2668% | 1,088 |
| Cash dividends to net income (ytd only)* | 57.3064% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 4,600 |
| Loan loss allowance to noncurrent loans | 184.8649% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 4,666 |
| Noncurrent loans to loans | 0.7281% | 4,968 |
| Net loans and leases to total assets | 30.7688% | 6,784 |
| Net loans and leases to deposits | 36.9007% | 6,789 |
| Net loans and leases to core deposits | 38.4051% | 6,797 |
| Total domestic deposits to total assets | 83.3826% | 4,488 |
| Equity capital to assets | 16.1853% | 571 |
| Core capital (leverage) ratio | 14.1688% | 782 |
| Tier 1 risk-based capital ratio | 39.1732% | 261 |
| Total risk-based capital ratio | 40.3653% | 256 |
| Memoranda: | ||
| Average total assets | $79,019,250 | 5,436 |
| Average earning assets | $76,684,500 | 5,272 |
| Average equity | $12,859,250 | 4,425 |
| Average total loans | $25,181,000 | 6,267 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 6,069 |
| Cost of funding earning assets | 0.7908% | 3,265 |
| Net interest margin | 3.0393% | 6,146 |
| Noninterest income to average assets | 0.4706% | 4,129 |
| Noninterest expense to average assets | 1.5933% | 6,933 |
| Loan and lease loss provision to assets | 0.0665% | 4,805 |
| Net operating income to assets | 1.7595% | 603 |
| Return on assets (ROA) | 1.8030% | 627 |
| Pretax return on assets | 1.8030% | 1,036 |
| Return on Equity (ROE) | 11.0585% | 1,974 |
| Retained earnings to average equity (ytd only) | 4.7842% | 3,424 |
| Net charge-offs to loans | -0.0717% | 6,771 |
| Credit loss provision to net charge-offs | -288.8889% | 6,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5969% | 6,854 |
| Assets per employee ($millions) | 6.2991% | 1,071 |
| Cash dividends to net income (ytd only)* | 56.7376% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,837 |
| Loan loss allowance to noncurrent loans | 181.0811% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 1.0893% | 4,200 |
| Noncurrent loans to loans | 0.7255% | 5,058 |
| Net loans and leases to total assets | 30.7310% | 6,854 |
| Net loans and leases to deposits | 36.7211% | 6,849 |
| Net loans and leases to core deposits | 38.2122% | 6,865 |
| Total domestic deposits to total assets | 83.6875% | 4,449 |
| Equity capital to assets | 15.8814% | 605 |
| Core capital (leverage) ratio | 14.2067% | 755 |
| Tier 1 risk-based capital ratio | 38.1678% | 274 |
| Total risk-based capital ratio | 39.3202% | 267 |
| Memoranda: | ||
| Average total assets | $78,202,670 | 5,491 |
| Average earning assets | $75,873,000 | 5,327 |
| Average equity | $12,750,330 | 4,445 |
| Average total loans | $25,105,000 | 6,315 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9701% | 5,858 |
| Cost of funding earning assets | 0.8330% | 3,199 |
| Net interest margin | 3.1371% | 5,940 |
| Noninterest income to average assets | 0.4872% | 4,004 |
| Noninterest expense to average assets | 1.5925% | 6,984 |
| Loan and lease loss provision to assets | 0.1048% | 4,031 |
| Net operating income to assets | 1.8282% | 570 |
| Return on assets (ROA) | 1.8439% | 620 |
| Pretax return on assets | 1.8439% | 989 |
| Return on Equity (ROE) | 11.1542% | 1,959 |
| Retained earnings to average equity (ytd only) | 4.8166% | 3,662 |
| Net charge-offs to loans | -0.0482% | 6,518 |
| Credit loss provision to net charge-offs | -666.6667% | 5,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1709% | 6,942 |
| Assets per employee ($millions) | 5.8248% | 1,403 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 5,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 4,643 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 33.1119% | 6,776 |
| Net loans and leases to deposits | 39.9646% | 6,735 |
| Net loans and leases to core deposits | 41.7410% | 6,759 |
| Total domestic deposits to total assets | 82.8531% | 4,988 |
| Equity capital to assets | 16.7072% | 471 |
| Core capital (leverage) ratio | 13.8827% | 832 |
| Tier 1 risk-based capital ratio | 38.1145% | 266 |
| Total risk-based capital ratio | 39.2398% | 262 |
| Memoranda: | ||
| Average total assets | $76,360,000 | 5,583 |
| Average earning assets | $73,953,500 | 5,436 |
| Average equity | $12,623,000 | 4,478 |
| Average total loans | $24,907,500 | 6,375 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 6,209 |
| Cost of funding earning assets | 1.0668% | 2,905 |
| Net interest margin | 3.0717% | 6,404 |
| Noninterest income to average assets | 0.4667% | 4,079 |
| Noninterest expense to average assets | 1.7370% | 7,026 |
| Loan and lease loss provision to assets | 0.0865% | 5,518 |
| Net operating income to assets | 1.6138% | 647 |
| Return on assets (ROA) | 1.6571% | 637 |
| Pretax return on assets | 1.6571% | 1,087 |
| Return on Equity (ROE) | 10.3464% | 1,938 |
| Retained earnings to average equity (ytd only) | 1.3424% | 5,220 |
| Net charge-offs to loans | 0.0647% | 5,655 |
| Credit loss provision to net charge-offs | 412.5000% | 559 |
| Earnings coverage of net charge-offs (x) | 81.0625% | 366 |
| Efficiency ratio | 50.5339% | 6,802 |
| Assets per employee ($millions) | 6.4165% | 1,000 |
| Cash dividends to net income (ytd only)* | 87.0253% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 5,263 |
| Loan loss allowance to noncurrent loans | 31.0559% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 2.1767% | 2,762 |
| Noncurrent loans to loans | 3.9558% | 1,581 |
| Net loans and leases to total assets | 31.3255% | 6,958 |
| Net loans and leases to deposits | 37.9526% | 6,946 |
| Net loans and leases to core deposits | 39.6176% | 6,955 |
| Total domestic deposits to total assets | 82.5385% | 4,952 |
| Equity capital to assets | 16.3576% | 534 |
| Core capital (leverage) ratio | 13.6559% | 906 |
| Tier 1 risk-based capital ratio | 38.5346% | 258 |
| Total risk-based capital ratio | 39.6058% | 259 |
| Memoranda: | ||
| Average total assets | $76,279,800 | 5,556 |
| Average earning assets | $73,771,400 | 5,407 |
| Average equity | $12,216,800 | 4,496 |
| Average total loans | $24,715,200 | 6,434 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 6,238 |
| Cost of funding earning assets | 1.1180% | 2,853 |
| Net interest margin | 3.0694% | 6,451 |
| Noninterest income to average assets | 0.4906% | 3,941 |
| Noninterest expense to average assets | 1.6872% | 7,106 |
| Loan and lease loss provision to assets | 0.0315% | 6,050 |
| Net operating income to assets | 1.7398% | 578 |
| Return on assets (ROA) | 1.7976% | 565 |
| Pretax return on assets | 1.7976% | 960 |
| Return on Equity (ROE) | 11.2848% | 1,764 |
| Retained earnings to average equity (ytd only) | 6.8853% | 2,036 |
| Net charge-offs to loans | 0.0645% | 5,320 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 84.2481% | 423 |
| Efficiency ratio | 48.7842% | 6,905 |
| Assets per employee ($millions) | 5.8898% | 1,274 |
| Cash dividends to net income (ytd only)* | 38.9862% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 6,198 |
| Loan loss allowance to noncurrent loans | 19.0193% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 2.7205% | 2,386 |
| Noncurrent loans to loans | 5.3341% | 1,129 |
| Net loans and leases to total assets | 32.6220% | 7,008 |
| Net loans and leases to deposits | 39.6093% | 6,985 |
| Net loans and leases to core deposits | 41.0256% | 7,006 |
| Total domestic deposits to total assets | 82.3595% | 4,945 |
| Equity capital to assets | 17.2135% | 465 |
| Core capital (leverage) ratio | 14.1385% | 871 |
| Tier 1 risk-based capital ratio | 39.2706% | 265 |
| Total risk-based capital ratio | 40.1640% | 266 |
| Memoranda: | ||
| Average total assets | $76,100,250 | 5,609 |
| Average earning assets | $73,585,000 | 5,459 |
| Average equity | $12,122,250 | 4,533 |
| Average total loans | $24,789,000 | 6,492 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 6,320 |
| Cost of funding earning assets | 1.1742% | 2,751 |
| Net interest margin | 3.0076% | 6,592 |
| Noninterest income to average assets | 0.4688% | 4,124 |
| Noninterest expense to average assets | 1.6881% | 7,185 |
| Loan and lease loss provision to assets | 0.0316% | 5,915 |
| Net operating income to assets | 1.6565% | 657 |
| Return on assets (ROA) | 1.7144% | 627 |
| Pretax return on assets | 1.7144% | 1,026 |
| Return on Equity (ROE) | 11.0623% | 1,777 |
| Retained earnings to average equity (ytd only) | 6.9841% | 1,885 |
| Net charge-offs to loans | -0.0649% | 7,075 |
| Credit loss provision to net charge-offs | -150.0000% | 6,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,937 |
| Assets per employee ($millions) | 6.4921% | 930 |
| Cash dividends to net income (ytd only)* | 36.8664% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 6,000 |
| Loan loss allowance to noncurrent loans | 21.3439% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 2.4119% | 2,744 |
| Noncurrent loans to loans | 5.1074% | 1,269 |
| Net loans and leases to total assets | 31.4460% | 7,129 |
| Net loans and leases to deposits | 37.5915% | 7,132 |
| Net loans and leases to core deposits | 39.0444% | 7,140 |
| Total domestic deposits to total assets | 83.6519% | 4,486 |
| Equity capital to assets | 15.9309% | 615 |
| Core capital (leverage) ratio | 14.1259% | 843 |
| Tier 1 risk-based capital ratio | 38.6571% | 263 |
| Total risk-based capital ratio | 39.6028% | 261 |
| Memoranda: | ||
| Average total assets | $75,944,330 | 5,656 |
| Average earning assets | $73,413,000 | 5,512 |
| Average equity | $11,769,670 | 4,623 |
| Average total loans | $24,640,670 | 6,555 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 6,277 |
| Cost of funding earning assets | 1.2442% | 2,544 |
| Net interest margin | 2.9585% | 6,658 |
| Noninterest income to average assets | 0.4375% | 4,386 |
| Noninterest expense to average assets | 1.7022% | 7,226 |
| Loan and lease loss provision to assets | 0.0320% | 5,573 |
| Net operating income to assets | 1.5581% | 765 |
| Return on assets (ROA) | 1.6114% | 713 |
| Pretax return on assets | 1.6114% | 1,161 |
| Return on Equity (ROE) | 10.5511% | 1,892 |
| Retained earnings to average equity (ytd only) | 7.0574% | 2,120 |
| Net charge-offs to loans | -0.1302% | 7,159 |
| Credit loss provision to net charge-offs | -75.0000% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7018% | 6,876 |
| Assets per employee ($millions) | 6.2673% | 1,042 |
| Cash dividends to net income (ytd only)* | 33.1126% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 6,151 |
| Loan loss allowance to noncurrent loans | 24.8822% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 2.3880% | 2,849 |
| Noncurrent loans to loans | 4.3085% | 1,647 |
| Net loans and leases to total assets | 32.3928% | 7,151 |
| Net loans and leases to deposits | 38.4337% | 7,157 |
| Net loans and leases to core deposits | 39.9606% | 7,167 |
| Total domestic deposits to total assets | 84.2823% | 4,376 |
| Equity capital to assets | 15.3335% | 697 |
| Core capital (leverage) ratio | 14.0424% | 839 |
| Tier 1 risk-based capital ratio | 38.2158% | 267 |
| Total risk-based capital ratio | 39.1478% | 269 |
| Memoranda: | ||
| Average total assets | $74,964,000 | 5,730 |
| Average earning assets | $72,335,000 | 5,592 |
| Average equity | $11,449,000 | 4,684 |
| Average total loans | $24,577,000 | 6,608 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 6,288 |
| Cost of funding earning assets | 1.4827% | 2,745 |
| Net interest margin | 3.0568% | 6,628 |
| Noninterest income to average assets | 0.3749% | 5,096 |
| Noninterest expense to average assets | 1.6951% | 7,354 |
| Loan and lease loss provision to assets | 0.6986% | 2,346 |
| Net operating income to assets | 0.8698% | 2,507 |
| Return on assets (ROA) | 1.2811% | 1,281 |
| Pretax return on assets | 1.2811% | 1,985 |
| Return on Equity (ROE) | 8.0153% | 2,693 |
| Retained earnings to average equity (ytd only) | 0.4219% | 5,365 |
| Net charge-offs to loans | 2.0770% | 965 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 2.2452% | 4,039 |
| Efficiency ratio | 51.9421% | 6,993 |
| Assets per employee ($millions) | 5.7477% | 1,391 |
| Cash dividends to net income (ytd only)* | 94.7368% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 6,288 |
| Loan loss allowance to noncurrent loans | 17.6678% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 2.9698% | 2,372 |
| Noncurrent loans to loans | 5.7689% | 1,102 |
| Net loans and leases to total assets | 32.4920% | 7,276 |
| Net loans and leases to deposits | 38.7543% | 7,290 |
| Net loans and leases to core deposits | 40.1349% | 7,301 |
| Total domestic deposits to total assets | 83.8410% | 4,429 |
| Equity capital to assets | 15.2115% | 743 |
| Core capital (leverage) ratio | 13.6739% | 937 |
| Tier 1 risk-based capital ratio | 37.9954% | 276 |
| Total risk-based capital ratio | 38.8897% | 276 |
| Memoranda: | ||
| Average total assets | $74,153,600 | 5,759 |
| Average earning assets | $70,073,200 | 5,666 |
| Average equity | $11,852,400 | 4,648 |
| Average total loans | $24,940,000 | 6,674 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 5,852 |
| Cost of funding earning assets | 1.5118% | 2,899 |
| Net interest margin | 3.2382% | 6,218 |
| Noninterest income to average assets | 0.4792% | 4,337 |
| Noninterest expense to average assets | 1.6700% | 7,455 |
| Loan and lease loss provision to assets | 0.6035% | 2,528 |
| Net operating income to assets | 1.2502% | 1,465 |
| Return on assets (ROA) | 1.7889% | 569 |
| Pretax return on assets | 1.7889% | 945 |
| Return on Equity (ROE) | 11.0570% | 1,767 |
| Retained earnings to average equity (ytd only) | 6.3803% | 2,151 |
| Net charge-offs to loans | 1.8953% | 1,007 |
| Credit loss provision to net charge-offs | 94.1011% | 4,608 |
| Earnings coverage of net charge-offs (x) | 2.8905% | 3,686 |
| Efficiency ratio | 47.3926% | 7,306 |
| Assets per employee ($millions) | 5.7926% | 1,397 |
| Cash dividends to net income (ytd only)* | 42.2963% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 6,762 |
| Loan loss allowance to noncurrent loans | 128.6517% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2695% | 4,603 |
| Noncurrent loans to loans | 0.6951% | 5,820 |
| Net loans and leases to total assets | 33.7021% | 7,355 |
| Net loans and leases to deposits | 40.8154% | 7,347 |
| Net loans and leases to core deposits | 41.9425% | 7,379 |
| Total domestic deposits to total assets | 82.5720% | 4,762 |
| Equity capital to assets | 16.8756% | 530 |
| Core capital (leverage) ratio | 14.9662% | 721 |
| Tier 1 risk-based capital ratio | 38.0951% | 285 |
| Total risk-based capital ratio | 38.8777% | 287 |
| Memoranda: | ||
| Average total assets | $74,012,000 | 5,832 |
| Average earning assets | $69,584,000 | 5,748 |
| Average equity | $11,974,000 | 4,684 |
| Average total loans | $25,043,000 | 6,753 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 5,464 |
| Cost of funding earning assets | 1.5536% | 2,942 |
| Net interest margin | 3.3316% | 5,895 |
| Noninterest income to average assets | 0.5545% | 3,670 |
| Noninterest expense to average assets | 1.6961% | 7,504 |
| Loan and lease loss provision to assets | 0.4295% | 3,176 |
| Net operating income to assets | 1.5357% | 834 |
| Return on assets (ROA) | 1.9162% | 425 |
| Pretax return on assets | 1.9162% | 718 |
| Return on Equity (ROE) | 12.0211% | 1,449 |
| Retained earnings to average equity (ytd only) | 7.2468% | 1,730 |
| Net charge-offs to loans | 0.4828% | 3,092 |
| Credit loss provision to net charge-offs | 263.3333% | 1,441 |
| Earnings coverage of net charge-offs (x) | 12.0500% | 1,707 |
| Efficiency ratio | 46.3252% | 7,425 |
| Assets per employee ($millions) | 5.6173% | 1,517 |
| Cash dividends to net income (ytd only)* | 39.7163% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 4,553 |
| Loan loss allowance to noncurrent loans | 46.9003% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 2.1376% | 3,333 |
| Noncurrent loans to loans | 2.9332% | 2,726 |
| Net loans and leases to total assets | 34.1650% | 7,416 |
| Net loans and leases to deposits | 41.3899% | 7,406 |
| Net loans and leases to core deposits | 42.7612% | 7,433 |
| Total domestic deposits to total assets | 82.5443% | 4,766 |
| Equity capital to assets | 16.8504% | 551 |
| Core capital (leverage) ratio | 14.7532% | 772 |
| Tier 1 risk-based capital ratio | 37.9554% | 282 |
| Total risk-based capital ratio | 39.1561% | 280 |
| Memoranda: | ||
| Average total assets | $73,581,330 | 5,886 |
| Average earning assets | $68,616,670 | 5,808 |
| Average equity | $11,729,330 | 4,753 |
| Average total loans | $24,854,670 | 6,817 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 5,618 |
| Cost of funding earning assets | 1.5852% | 3,044 |
| Net interest margin | 3.2823% | 6,044 |
| Noninterest income to average assets | 0.5362% | 3,767 |
| Noninterest expense to average assets | 1.6951% | 7,582 |
| Loan and lease loss provision to assets | 0.2600% | 3,958 |
| Net operating income to assets | 1.5976% | 757 |
| Return on assets (ROA) | 1.8251% | 519 |
| Pretax return on assets | 1.8251% | 847 |
| Return on Equity (ROE) | 11.7817% | 1,553 |
| Retained earnings to average equity (ytd only) | 6.8872% | 2,182 |
| Net charge-offs to loans | 0.0974% | 4,444 |
| Credit loss provision to net charge-offs | 800.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 57.1667% | 518 |
| Efficiency ratio | 47.7134% | 7,461 |
| Assets per employee ($millions) | 5.6595% | 1,535 |
| Cash dividends to net income (ytd only)* | 41.5430% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 5,732 |
| Loan loss allowance to noncurrent loans | 435.8209% | 734 |
| Noncurrent assets plus other real estate owned to assets | 1.1798% | 4,817 |
| Noncurrent loans to loans | 0.2655% | 6,791 |
| Net loans and leases to total assets | 33.9065% | 7,496 |
| Net loans and leases to deposits | 40.5171% | 7,503 |
| Net loans and leases to core deposits | 41.4861% | 7,536 |
| Total domestic deposits to total assets | 83.6842% | 4,308 |
| Equity capital to assets | 15.7734% | 709 |
| Core capital (leverage) ratio | 14.4314% | 869 |
| Tier 1 risk-based capital ratio | 37.1268% | 305 |
| Total risk-based capital ratio | 38.1335% | 304 |
| Memoranda: | ||
| Average total assets | $73,859,500 | 5,943 |
| Average earning assets | $67,880,000 | 5,912 |
| Average equity | $11,441,500 | 4,859 |
| Average total loans | $24,633,500 | 6,906 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4123% | 4,638 |
| Cost of funding earning assets | 1.9861% | 3,026 |
| Net interest margin | 3.4261% | 5,266 |
| Noninterest income to average assets | 0.5971% | 3,650 |
| Noninterest expense to average assets | 1.9800% | 7,394 |
| Loan and lease loss provision to assets | 0.1614% | 6,072 |
| Net operating income to assets | 1.6372% | 496 |
| Return on assets (ROA) | 1.7814% | 393 |
| Pretax return on assets | 1.7814% | 659 |
| Return on Equity (ROE) | 11.0286% | 1,412 |
| Retained earnings to average equity (ytd only) | 0.4157% | 4,678 |
| Net charge-offs to loans | 0.3738% | 4,340 |
| Credit loss provision to net charge-offs | 121.5054% | 4,375 |
| Earnings coverage of net charge-offs (x) | 13.5376% | 1,420 |
| Efficiency ratio | 52.4008% | 7,358 |
| Assets per employee ($millions) | 5.7035% | 1,463 |
| Cash dividends to net income (ytd only)* | 96.2310% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 6,171 |
| Loan loss allowance to noncurrent loans | 1,086.9565% | 343 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 5,010 |
| Noncurrent loans to loans | 0.0957% | 7,173 |
| Net loans and leases to total assets | 32.0705% | 7,658 |
| Net loans and leases to deposits | 38.4351% | 7,667 |
| Net loans and leases to core deposits | 47.9097% | 7,634 |
| Total domestic deposits to total assets | 83.4408% | 4,309 |
| Equity capital to assets | 15.2105% | 864 |
| Core capital (leverage) ratio | 14.3089% | 926 |
| Tier 1 risk-based capital ratio | 38.3786% | 281 |
| Total risk-based capital ratio | 39.2858% | 275 |
| Memoranda: | ||
| Average total assets | $69,999,200 | 6,004 |
| Average earning assets | $65,000,600 | 5,956 |
| Average equity | $11,307,000 | 4,937 |
| Average total loans | $24,879,600 | 6,921 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4115% | 4,891 |
| Cost of funding earning assets | 2.0303% | 3,217 |
| Net interest margin | 3.3812% | 5,346 |
| Noninterest income to average assets | 0.5877% | 3,796 |
| Noninterest expense to average assets | 2.0068% | 7,366 |
| Loan and lease loss provision to assets | 0.1508% | 5,840 |
| Net operating income to assets | 1.6144% | 648 |
| Return on assets (ROA) | 1.7710% | 501 |
| Pretax return on assets | 1.7710% | 852 |
| Return on Equity (ROE) | 10.7944% | 1,678 |
| Retained earnings to average equity (ytd only) | 4.4309% | 2,797 |
| Net charge-offs to loans | 0.4570% | 3,401 |
| Credit loss provision to net charge-offs | 90.6977% | 5,464 |
| Earnings coverage of net charge-offs (x) | 10.6166% | 1,943 |
| Efficiency ratio | 53.2035% | 7,319 |
| Assets per employee ($millions) | 5.9443% | 1,250 |
| Cash dividends to net income (ytd only)* | 58.9519% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 6,849 |
| Loan loss allowance to noncurrent loans | 32.8889% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 1.1341% | 4,807 |
| Noncurrent loans to loans | 2.6729% | 2,836 |
| Net loans and leases to total assets | 35.0913% | 7,648 |
| Net loans and leases to deposits | 42.6074% | 7,658 |
| Net loans and leases to core deposits | 53.0037% | 7,626 |
| Total domestic deposits to total assets | 82.3597% | 4,518 |
| Equity capital to assets | 16.6618% | 679 |
| Core capital (leverage) ratio | 15.5041% | 759 |
| Tier 1 risk-based capital ratio | 38.7847% | 303 |
| Total risk-based capital ratio | 39.5745% | 305 |
| Memoranda: | ||
| Average total assets | $68,962,500 | 6,076 |
| Average earning assets | $64,946,250 | 6,007 |
| Average equity | $11,314,250 | 4,976 |
| Average total loans | $25,092,250 | 6,969 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 5,162 |
| Cost of funding earning assets | 2.0808% | 3,357 |
| Net interest margin | 3.3181% | 5,482 |
| Noninterest income to average assets | 0.5779% | 3,851 |
| Noninterest expense to average assets | 1.9715% | 7,510 |
| Loan and lease loss provision to assets | 0.0645% | 6,568 |
| Net operating income to assets | 1.6810% | 586 |
| Return on assets (ROA) | 1.7690% | 537 |
| Pretax return on assets | 1.7690% | 899 |
| Return on Equity (ROE) | 10.8414% | 1,742 |
| Retained earnings to average equity (ytd only) | 4.7285% | 2,671 |
| Net charge-offs to loans | 0.0879% | 5,318 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 54.0909% | 653 |
| Efficiency ratio | 53.0387% | 7,431 |
| Assets per employee ($millions) | 5.4052% | 1,663 |
| Cash dividends to net income (ytd only)* | 56.3847% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 6,519 |
| Loan loss allowance to noncurrent loans | 36.4599% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 4,914 |
| Noncurrent loans to loans | 2.6250% | 2,753 |
| Net loans and leases to total assets | 35.4927% | 7,722 |
| Net loans and leases to deposits | 42.7296% | 7,737 |
| Net loans and leases to core deposits | 52.4390% | 7,696 |
| Total domestic deposits to total assets | 83.0634% | 4,208 |
| Equity capital to assets | 15.9489% | 835 |
| Core capital (leverage) ratio | 15.7343% | 780 |
| Tier 1 risk-based capital ratio | 38.5451% | 337 |
| Total risk-based capital ratio | 39.4066% | 337 |
| Memoranda: | ||
| Average total assets | $68,173,000 | 6,147 |
| Average earning assets | $64,495,330 | 6,064 |
| Average equity | $11,124,000 | 5,049 |
| Average total loans | $25,038,670 | 7,028 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4235% | 5,298 |
| Cost of funding earning assets | 2.0602% | 3,826 |
| Net interest margin | 3.3633% | 5,276 |
| Noninterest income to average assets | 0.5780% | 3,704 |
| Noninterest expense to average assets | 1.8830% | 7,578 |
| Loan and lease loss provision to assets | 0.0298% | 6,556 |
| Net operating income to assets | 1.8950% | 437 |
| Return on assets (ROA) | 1.9128% | 465 |
| Pretax return on assets | 1.9128% | 776 |
| Return on Equity (ROE) | 11.5858% | 1,786 |
| Retained earnings to average equity (ytd only) | 4.3672% | 3,486 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4523% | 7,628 |
| Assets per employee ($millions) | 5.2684% | 1,770 |
| Cash dividends to net income (ytd only)* | 62.3053% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 6,585 |
| Loan loss allowance to noncurrent loans | 45.4545% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 5,270 |
| Noncurrent loans to loans | 2.0540% | 3,189 |
| Net loans and leases to total assets | 36.4088% | 7,717 |
| Net loans and leases to deposits | 43.9509% | 7,725 |
| Net loans and leases to core deposits | 53.2582% | 7,698 |
| Total domestic deposits to total assets | 82.8396% | 4,222 |
| Equity capital to assets | 16.2479% | 831 |
| Core capital (leverage) ratio | 15.9827% | 787 |
| Tier 1 risk-based capital ratio | 37.2980% | 373 |
| Total risk-based capital ratio | 38.1218% | 379 |
| Memoranda: | ||
| Average total assets | $67,125,500 | 6,211 |
| Average earning assets | $64,460,000 | 6,088 |
| Average equity | $11,082,500 | 5,085 |
| Average total loans | $24,967,500 | 7,068 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7972% | 6,444 |
| Cost of funding earning assets | 2.1452% | 5,855 |
| Net interest margin | 3.6520% | 4,667 |
| Noninterest income to average assets | 0.8048% | 2,492 |
| Noninterest expense to average assets | 2.0774% | 7,283 |
| Loan and lease loss provision to assets | 0.0084% | 7,267 |
| Net operating income to assets | 2.2099% | 231 |
| Return on assets (ROA) | 1.8947% | 426 |
| Pretax return on assets | 1.8947% | 773 |
| Return on Equity (ROE) | 10.7168% | 1,998 |
| Retained earnings to average equity (ytd only) | 1.2329% | 4,484 |
| Net charge-offs to loans | 0.0335% | 6,350 |
| Credit loss provision to net charge-offs | 62.5000% | 6,198 |
| Earnings coverage of net charge-offs (x) | 165.3750% | 280 |
| Efficiency ratio | 48.3607% | 7,775 |
| Assets per employee ($millions) | 5.0586% | 1,892 |
| Cash dividends to net income (ytd only)* | 88.4956% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 6,516 |
| Loan loss allowance to noncurrent loans | 43.8931% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 4,769 |
| Noncurrent loans to loans | 2.1160% | 2,608 |
| Net loans and leases to total assets | 37.3073% | 7,787 |
| Net loans and leases to deposits | 45.4636% | 7,802 |
| Net loans and leases to core deposits | 55.0374% | 7,765 |
| Total domestic deposits to total assets | 82.0595% | 4,175 |
| Equity capital to assets | 16.7832% | 798 |
| Core capital (leverage) ratio | 16.8124% | 722 |
| Tier 1 risk-based capital ratio | 36.8401% | 398 |
| Total risk-based capital ratio | 37.6458% | 406 |
| Memoranda: | ||
| Average total assets | $59,641,600 | 6,393 |
| Average earning assets | $57,010,600 | 6,299 |
| Average equity | $10,544,200 | 5,248 |
| Average total loans | $23,868,400 | 7,079 |