Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5711% | 1,932 |
| Cost of funding earning assets | 1.4550% | 3,313 |
| Net interest margin | 4.1161% | 1,082 |
| Noninterest income to average assets | 0.7100% | 1,015 |
| Noninterest expense to average assets | 2.9733% | 1,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.2224% | 1,680 |
| Return on assets (ROA) | 1.2224% | 1,676 |
| Pretax return on assets | 1.5064% | 1,502 |
| Return on Equity (ROE) | 17.5300% | 691 |
| Retained earnings to average equity (ytd only) | 12.5193% | 706 |
| Net charge-offs to loans | 0.0149% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 215.6667% | 394 |
| Efficiency ratio | 66.3721% | 2,204 |
| Assets per employee ($millions) | 4.9031% | 3,731 |
| Cash dividends to net income (ytd only)* | 28.5714% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 4,061 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,641 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 46.8800% | 3,729 |
| Net loans and leases to deposits | 50.6619% | 3,849 |
| Net loans and leases to core deposits | 56.6946% | 3,804 |
| Total domestic deposits to total assets | 92.5300% | 192 |
| Equity capital to assets | 7.1203% | 3,990 |
| Core capital (leverage) ratio | 9.8625% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6985% | 689 |
| Memoranda: | ||
| Average total assets | $171,796,500 | 3,220 |
| Average earning assets | $157,528,000 | 3,223 |
| Average equity | $11,981,500 | 3,615 |
| Average total loans | $80,745,000 | 3,437 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0526% | 3,001 |
| Cost of funding earning assets | 1.0467% | 3,986 |
| Net interest margin | 4.0059% | 1,167 |
| Noninterest income to average assets | 0.7000% | 1,176 |
| Noninterest expense to average assets | 2.9864% | 1,167 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.1094% | 1,720 |
| Return on assets (ROA) | 1.1094% | 1,725 |
| Pretax return on assets | 1.3608% | 1,613 |
| Return on Equity (ROE) | 18.1500% | 553 |
| Retained earnings to average equity (ytd only) | 12.4785% | 261 |
| Net charge-offs to loans | 0.0403% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 82.2759% | 911 |
| Efficiency ratio | 68.4057% | 2,197 |
| Assets per employee ($millions) | 4.3969% | 3,964 |
| Cash dividends to net income (ytd only)* | 31.2663% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 4,013 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| 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 | 46.4500% | 3,797 |
| Net loans and leases to deposits | 49.9784% | 3,918 |
| Net loans and leases to core deposits | 56.2488% | 3,875 |
| Total domestic deposits to total assets | 92.9400% | 169 |
| Equity capital to assets | 6.8200% | 4,027 |
| Core capital (leverage) ratio | 10.2011% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1952% | 646 |
| Memoranda: | ||
| Average total assets | $172,982,200 | 3,179 |
| Average earning assets | $158,491,200 | 3,190 |
| Average equity | $10,570,200 | 3,716 |
| Average total loans | $71,920,000 | 3,536 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 3,077 |
| Cost of funding earning assets | 0.9678% | 4,074 |
| Net interest margin | 4.0073% | 1,136 |
| Noninterest income to average assets | 0.6900% | 1,169 |
| Noninterest expense to average assets | 2.9370% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1578% | 1,610 |
| Return on assets (ROA) | 1.1578% | 1,614 |
| Pretax return on assets | 1.4230% | 1,460 |
| Return on Equity (ROE) | 19.4900% | 464 |
| Retained earnings to average equity (ytd only) | 13.7009% | 321 |
| Net charge-offs to loans | 0.0190% | 1,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 186.2000% | 545 |
| Efficiency ratio | 67.3620% | 2,332 |
| Assets per employee ($millions) | 4.9021% | 3,713 |
| Cash dividends to net income (ytd only)* | 29.7030% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 3,951 |
| Loan loss allowance to noncurrent loans | 1,152.9412% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,540 |
| Noncurrent loans to loans | 0.0675% | 3,358 |
| Net loans and leases to total assets | 43.7000% | 3,908 |
| Net loans and leases to deposits | 47.3415% | 4,025 |
| Net loans and leases to core deposits | 54.9876% | 3,925 |
| Total domestic deposits to total assets | 92.3100% | 149 |
| Equity capital to assets | 7.2499% | 4,057 |
| Core capital (leverage) ratio | 9.8671% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2973% | 661 |
| Memoranda: | ||
| Average total assets | $174,457,000 | 3,167 |
| Average earning assets | $159,804,750 | 3,179 |
| Average equity | $10,364,000 | 3,746 |
| Average total loans | $70,355,000 | 3,570 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9176% | 3,093 |
| Cost of funding earning assets | 0.9386% | 4,086 |
| Net interest margin | 3.9789% | 1,140 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 2.8731% | 1,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1823% | 1,516 |
| Return on assets (ROA) | 1.1823% | 1,517 |
| Pretax return on assets | 1.4434% | 1,389 |
| Return on Equity (ROE) | 21.4400% | 369 |
| Retained earnings to average equity (ytd only) | 15.2393% | 274 |
| Net charge-offs to loans | 0.0262% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 140.6667% | 621 |
| Efficiency ratio | 66.5610% | 2,484 |
| Assets per employee ($millions) | 4.9666% | 3,644 |
| Cash dividends to net income (ytd only)* | 28.9296% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 3,895 |
| Loan loss allowance to noncurrent loans | 1,132.6923% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,513 |
| Noncurrent loans to loans | 0.0723% | 3,300 |
| Net loans and leases to total assets | 41.0600% | 4,004 |
| Net loans and leases to deposits | 43.7697% | 4,116 |
| Net loans and leases to core deposits | 50.3435% | 4,040 |
| Total domestic deposits to total assets | 93.8200% | 97 |
| Equity capital to assets | 5.8850% | 4,235 |
| Core capital (leverage) ratio | 9.5345% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6363% | 624 |
| Memoranda: | ||
| Average total assets | $175,417,667 | 3,170 |
| Average earning assets | $160,445,333 | 3,177 |
| Average equity | $9,672,333 | 3,790 |
| Average total loans | $68,617,333 | 3,605 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 2,786 |
| Cost of funding earning assets | 0.9108% | 4,091 |
| Net interest margin | 4.0851% | 984 |
| Noninterest income to average assets | 0.6800% | 1,089 |
| Noninterest expense to average assets | 2.8375% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.3030% | 1,228 |
| Return on assets (ROA) | 1.3030% | 1,238 |
| Pretax return on assets | 1.5822% | 1,123 |
| Return on Equity (ROE) | 24.4400% | 250 |
| Retained earnings to average equity (ytd only) | 18.0550% | 267 |
| Net charge-offs to loans | 0.0299% | 1,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 139.4000% | 549 |
| Efficiency ratio | 64.2013% | 2,791 |
| Assets per employee ($millions) | 4.9574% | 3,678 |
| Cash dividends to net income (ytd only)* | 26.1324% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 3,720 |
| Loan loss allowance to noncurrent loans | 1,040.3509% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,481 |
| Noncurrent loans to loans | 0.0861% | 3,185 |
| Net loans and leases to total assets | 37.8300% | 4,092 |
| Net loans and leases to deposits | 40.1500% | 4,178 |
| Net loans and leases to core deposits | 46.1464% | 4,161 |
| Total domestic deposits to total assets | 94.2200% | 104 |
| Equity capital to assets | 5.4262% | 4,314 |
| Core capital (leverage) ratio | 9.1456% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4085% | 583 |
| Memoranda: | ||
| Average total assets | $176,211,000 | 3,168 |
| Average earning assets | $161,172,500 | 3,178 |
| Average equity | $9,393,500 | 3,825 |
| Average total loans | $66,941,000 | 3,639 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5023% | 3,094 |
| Cost of funding earning assets | 0.4715% | 4,227 |
| Net interest margin | 4.0309% | 1,158 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.9227% | 1,228 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 1.2705% | 1,493 |
| Return on assets (ROA) | 1.2710% | 1,464 |
| Pretax return on assets | 1.5503% | 1,327 |
| Return on Equity (ROE) | 27.5900% | 229 |
| Retained earnings to average equity (ytd only) | 21.1552% | 119 |
| Net charge-offs to loans | -0.1151% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.3079% | 2,311 |
| Assets per employee ($millions) | 5.4216% | 3,315 |
| Cash dividends to net income (ytd only)* | 23.3318% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 3,772 |
| Loan loss allowance to noncurrent loans | 1,087.2727% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,459 |
| Noncurrent loans to loans | 0.0813% | 3,141 |
| Net loans and leases to total assets | 37.4800% | 4,108 |
| Net loans and leases to deposits | 39.6128% | 4,209 |
| Net loans and leases to core deposits | 45.2916% | 4,172 |
| Total domestic deposits to total assets | 94.6100% | 74 |
| Equity capital to assets | 5.2383% | 4,375 |
| Core capital (leverage) ratio | 9.7300% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5072% | 648 |
| Memoranda: | ||
| Average total assets | $168,613,800 | 3,200 |
| Average earning assets | $155,475,600 | 3,207 |
| Average equity | $7,766,400 | 3,962 |
| Average total loans | $66,030,000 | 3,606 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 2,817 |
| Cost of funding earning assets | 0.4400% | 4,213 |
| Net interest margin | 4.1024% | 1,064 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.8868% | 1,252 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.3201% | 1,499 |
| Return on assets (ROA) | 1.3201% | 1,480 |
| Pretax return on assets | 1.6245% | 1,307 |
| Return on Equity (ROE) | 29.7600% | 230 |
| Retained earnings to average equity (ytd only) | 22.9729% | 167 |
| Net charge-offs to loans | -0.1524% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.2998% | 2,459 |
| Assets per employee ($millions) | 5.0335% | 3,584 |
| Cash dividends to net income (ytd only)* | 22.8102% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 3,760 |
| Loan loss allowance to noncurrent loans | 590.0990% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,194 |
| Noncurrent loans to loans | 0.1509% | 2,799 |
| Net loans and leases to total assets | 41.1700% | 4,014 |
| Net loans and leases to deposits | 43.2359% | 4,125 |
| Net loans and leases to core deposits | 46.0027% | 4,129 |
| Total domestic deposits to total assets | 95.2300% | 111 |
| Equity capital to assets | 4.4695% | 4,341 |
| Core capital (leverage) ratio | 9.4268% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9615% | 702 |
| Memoranda: | ||
| Average total assets | $166,039,000 | 3,233 |
| Average earning assets | $153,337,250 | 3,233 |
| Average equity | $7,365,000 | 4,007 |
| Average total loans | $65,625,250 | 3,622 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 2,726 |
| Cost of funding earning assets | 0.3920% | 4,179 |
| Net interest margin | 4.0756% | 1,118 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.7538% | 1,517 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.4002% | 1,334 |
| Return on assets (ROA) | 1.4002% | 1,312 |
| Pretax return on assets | 1.7305% | 1,148 |
| Return on Equity (ROE) | 31.6400% | 189 |
| Retained earnings to average equity (ytd only) | 24.9045% | 126 |
| Net charge-offs to loans | -0.2393% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.8869% | 2,727 |
| Assets per employee ($millions) | 5.3463% | 3,282 |
| Cash dividends to net income (ytd only)* | 21.2947% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 3,807 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 40.0000% | 4,039 |
| Net loans and leases to deposits | 42.0661% | 4,157 |
| Net loans and leases to core deposits | 44.5293% | 4,156 |
| Total domestic deposits to total assets | 95.0900% | 91 |
| Equity capital to assets | 4.6761% | 4,420 |
| Core capital (leverage) ratio | 8.9164% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9268% | 825 |
| Memoranda: | ||
| Average total assets | $167,695,000 | 3,226 |
| Average earning assets | $155,610,333 | 3,227 |
| Average equity | $7,420,333 | 4,025 |
| Average total loans | $65,196,000 | 3,633 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 2,657 |
| Cost of funding earning assets | 0.3350% | 4,119 |
| Net interest margin | 4.0221% | 1,224 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.6536% | 1,800 |
| Loan and lease loss provision to assets | -0.0700% | 4,549 |
| Net operating income to assets | 1.5248% | 1,131 |
| Return on assets (ROA) | 1.5248% | 1,111 |
| Pretax return on assets | 1.8758% | 944 |
| Return on Equity (ROE) | 35.4500% | 155 |
| Retained earnings to average equity (ytd only) | 28.5576% | 127 |
| Net charge-offs to loans | -0.4849% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.4896% | 3,019 |
| Assets per employee ($millions) | 5.4388% | 3,285 |
| Cash dividends to net income (ytd only)* | 19.4401% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 3,880 |
| Loan loss allowance to noncurrent loans | 19,900.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,911 |
| Noncurrent loans to loans | 0.0045% | 3,819 |
| Net loans and leases to total assets | 39.4300% | 4,063 |
| Net loans and leases to deposits | 41.5730% | 4,177 |
| Net loans and leases to core deposits | 43.7305% | 4,180 |
| Total domestic deposits to total assets | 94.8400% | 106 |
| Equity capital to assets | 4.9121% | 4,432 |
| Core capital (leverage) ratio | 8.3961% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9813% | 849 |
| Memoranda: | ||
| Average total assets | $168,675,000 | 3,270 |
| Average earning assets | $158,821,500 | 3,243 |
| Average equity | $7,255,500 | 4,090 |
| Average total loans | $64,347,000 | 3,686 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 3,180 |
| Cost of funding earning assets | 0.1736% | 3,972 |
| Net interest margin | 3.2869% | 2,600 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.5361% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9072% | 2,931 |
| Return on assets (ROA) | 0.9138% | 2,845 |
| Pretax return on assets | 1.1251% | 2,692 |
| Return on Equity (ROE) | 18.7200% | 607 |
| Retained earnings to average equity (ytd only) | 13.9384% | 395 |
| Net charge-offs to loans | 0.0018% | 2,483 |
| Credit loss provision to net charge-offs | 400.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 1,918.0000% | 91 |
| Efficiency ratio | 69.3806% | 1,772 |
| Assets per employee ($millions) | 5.2733% | 3,450 |
| Cash dividends to net income (ytd only)* | 25.5428% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 3,476 |
| Loan loss allowance to noncurrent loans | 3,768.7500% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,799 |
| Noncurrent loans to loans | 0.0260% | 3,606 |
| Net loans and leases to total assets | 36.1600% | 4,206 |
| Net loans and leases to deposits | 37.5845% | 4,306 |
| Net loans and leases to core deposits | 39.4382% | 4,292 |
| Total domestic deposits to total assets | 96.2100% | 75 |
| Equity capital to assets | 3.6913% | 4,551 |
| Core capital (leverage) ratio | 8.4348% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3831% | 786 |
| Memoranda: | ||
| Average total assets | $171,364,000 | 3,260 |
| Average earning assets | $160,152,600 | 3,244 |
| Average equity | $8,365,400 | 4,062 |
| Average total loans | $56,147,800 | 3,804 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2848% | 3,220 |
| Cost of funding earning assets | 0.1391% | 3,947 |
| Net interest margin | 3.1457% | 2,788 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.4222% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9004% | 2,861 |
| Return on assets (ROA) | 0.9092% | 2,810 |
| Pretax return on assets | 1.1161% | 2,673 |
| Return on Equity (ROE) | 17.5700% | 694 |
| Retained earnings to average equity (ytd only) | 13.0791% | 597 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.6361% | 1,936 |
| Assets per employee ($millions) | 5.6020% | 3,124 |
| Cash dividends to net income (ytd only)* | 25.5754% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 3,258 |
| Loan loss allowance to noncurrent loans | 3,762.5000% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,893 |
| Noncurrent loans to loans | 0.0279% | 3,701 |
| Net loans and leases to total assets | 33.7700% | 4,313 |
| Net loans and leases to deposits | 35.0327% | 4,396 |
| Net loans and leases to core deposits | 36.7012% | 4,380 |
| Total domestic deposits to total assets | 96.4100% | 102 |
| Equity capital to assets | 3.4048% | 4,553 |
| Core capital (leverage) ratio | 8.2710% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0965% | 723 |
| Memoranda: | ||
| Average total assets | $172,018,250 | 3,281 |
| Average earning assets | $160,978,000 | 3,261 |
| Average equity | $8,899,500 | 4,046 |
| Average total loans | $54,779,500 | 3,843 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0443% | 3,442 |
| Cost of funding earning assets | 0.1195% | 3,968 |
| Net interest margin | 2.9248% | 3,104 |
| Noninterest income to average assets | 0.5250% | 2,063 |
| Noninterest expense to average assets | 2.2984% | 2,554 |
| Loan and lease loss provision to assets | 0.0012% | 2,587 |
| Net operating income to assets | 0.7933% | 2,984 |
| Return on assets (ROA) | 0.8065% | 2,902 |
| Pretax return on assets | 0.9807% | 2,795 |
| Return on Equity (ROE) | 14.0380% | 1,108 |
| Retained earnings to average equity (ytd only) | 10.0214% | 1,015 |
| Net charge-offs to loans | 0.0037% | 1,903 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 837.0000% | 161 |
| Efficiency ratio | 70.4136% | 1,900 |
| Assets per employee ($millions) | 5.1467% | 3,551 |
| Cash dividends to net income (ytd only)* | 28.6123% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,494 |
| Loan loss allowance to noncurrent loans | 517.2414% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,295 |
| Noncurrent loans to loans | 0.1982% | 2,716 |
| Net loans and leases to total assets | 34.1137% | 4,330 |
| Net loans and leases to deposits | 35.6574% | 4,401 |
| Net loans and leases to core deposits | 37.7450% | 4,391 |
| Total domestic deposits to total assets | 95.6707% | 100 |
| Equity capital to assets | 4.1975% | 4,603 |
| Core capital (leverage) ratio | 7.9602% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2930% | 812 |
| Memoranda: | ||
| Average total assets | $173,338,000 | 3,304 |
| Average earning assets | $162,334,000 | 3,296 |
| Average equity | $9,958,667 | 3,995 |
| Average total loans | $53,918,333 | 3,893 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7843% | 3,774 |
| Cost of funding earning assets | 0.1164% | 3,936 |
| Net interest margin | 2.6679% | 3,483 |
| Noninterest income to average assets | 0.5666% | 1,837 |
| Noninterest expense to average assets | 2.2892% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6477% | 3,238 |
| Return on assets (ROA) | 0.6740% | 3,134 |
| Pretax return on assets | 0.8225% | 3,037 |
| Return on Equity (ROE) | 10.3750% | 1,832 |
| Retained earnings to average equity (ytd only) | 6.8580% | 1,938 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3323% | 1,705 |
| Assets per employee ($millions) | 5.6559% | 3,167 |
| Cash dividends to net income (ytd only)* | 33.8983% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 3,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 28.5979% | 4,489 |
| Net loans and leases to deposits | 30.2407% | 4,547 |
| Net loans and leases to core deposits | 31.8662% | 4,540 |
| Total domestic deposits to total assets | 94.5676% | 72 |
| Equity capital to assets | 5.3136% | 4,686 |
| Core capital (leverage) ratio | 7.7012% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7599% | 669 |
| Memoranda: | ||
| Average total assets | $175,086,500 | 3,305 |
| Average earning assets | $164,926,000 | 3,283 |
| Average equity | $11,373,500 | 3,919 |
| Average total loans | $51,608,000 | 3,948 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0897% | 3,705 |
| Cost of funding earning assets | 0.1601% | 3,866 |
| Net interest margin | 2.9296% | 3,376 |
| Noninterest income to average assets | 0.9230% | 1,151 |
| Noninterest expense to average assets | 2.4872% | 2,219 |
| Loan and lease loss provision to assets | 0.0332% | 2,389 |
| Net operating income to assets | 0.9579% | 2,842 |
| Return on assets (ROA) | 1.0496% | 2,559 |
| Pretax return on assets | 1.2867% | 2,402 |
| Return on Equity (ROE) | 12.4947% | 1,649 |
| Retained earnings to average equity (ytd only) | 8.8802% | 1,240 |
| Net charge-offs to loans | 0.0019% | 2,574 |
| Credit loss provision to net charge-offs | 5,200.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 1,890.0000% | 71 |
| Efficiency ratio | 67.3067% | 2,081 |
| Assets per employee ($millions) | 6.0423% | 2,725 |
| Cash dividends to net income (ytd only)* | 28.9281% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,978 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,064 |
| Noncurrent loans to loans | 0.0295% | 3,863 |
| Net loans and leases to total assets | 29.7055% | 4,520 |
| Net loans and leases to deposits | 32.2530% | 4,574 |
| Net loans and leases to core deposits | 34.1664% | 4,550 |
| Total domestic deposits to total assets | 92.1015% | 154 |
| Equity capital to assets | 7.7608% | 4,488 |
| Core capital (leverage) ratio | 8.6730% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7199% | 578 |
| Memoranda: | ||
| Average total assets | $156,443,600 | 3,429 |
| Average earning assets | $148,040,800 | 3,393 |
| Average equity | $13,141,600 | 3,816 |
| Average total loans | $51,428,800 | 3,972 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1302% | 3,744 |
| Cost of funding earning assets | 0.1718% | 3,906 |
| Net interest margin | 2.9584% | 3,422 |
| Noninterest income to average assets | 0.6107% | 2,172 |
| Noninterest expense to average assets | 2.5090% | 2,096 |
| Loan and lease loss provision to assets | 0.0450% | 2,096 |
| Net operating income to assets | 0.7140% | 3,733 |
| Return on assets (ROA) | 0.8404% | 3,477 |
| Pretax return on assets | 1.0100% | 3,425 |
| Return on Equity (ROE) | 9.7985% | 2,806 |
| Retained earnings to average equity (ytd only) | 6.2483% | 2,727 |
| Net charge-offs to loans | 0.0026% | 2,268 |
| Credit loss provision to net charge-offs | 5,200.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 1,038.0000% | 160 |
| Efficiency ratio | 73.5339% | 1,258 |
| Assets per employee ($millions) | 5.3743% | 3,324 |
| Cash dividends to net income (ytd only)* | 36.2319% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 3,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 32.8709% | 4,512 |
| Net loans and leases to deposits | 35.9738% | 4,577 |
| Net loans and leases to core deposits | 38.3946% | 4,562 |
| Total domestic deposits to total assets | 91.3747% | 266 |
| Equity capital to assets | 8.4502% | 4,246 |
| Core capital (leverage) ratio | 8.5926% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6853% | 555 |
| Memoranda: | ||
| Average total assets | $153,258,500 | 3,493 |
| Average earning assets | $145,119,750 | 3,461 |
| Average equity | $13,144,500 | 3,870 |
| Average total loans | $51,571,750 | 4,019 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2301% | 3,612 |
| Cost of funding earning assets | 0.1845% | 3,908 |
| Net interest margin | 3.0457% | 3,188 |
| Noninterest income to average assets | 0.6116% | 2,163 |
| Noninterest expense to average assets | 2.4962% | 2,154 |
| Loan and lease loss provision to assets | 0.0682% | 1,688 |
| Net operating income to assets | 0.7814% | 3,561 |
| Return on assets (ROA) | 0.9633% | 3,104 |
| Pretax return on assets | 1.1457% | 3,074 |
| Return on Equity (ROE) | 11.1754% | 2,363 |
| Retained earnings to average equity (ytd only) | 7.7497% | 2,170 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4500% | 1,482 |
| Assets per employee ($millions) | 5.3182% | 3,334 |
| Cash dividends to net income (ytd only)* | 30.6540% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 3,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,025 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 33.2573% | 4,556 |
| Net loans and leases to deposits | 36.4220% | 4,621 |
| Net loans and leases to core deposits | 39.0487% | 4,599 |
| Total domestic deposits to total assets | 91.3109% | 281 |
| Equity capital to assets | 8.5108% | 4,195 |
| Core capital (leverage) ratio | 8.3993% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1431% | 606 |
| Memoranda: | ||
| Average total assets | $152,393,000 | 3,508 |
| Average earning assets | $144,204,000 | 3,475 |
| Average equity | $13,136,000 | 3,881 |
| Average total loans | $51,485,333 | 4,047 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 3,581 |
| Cost of funding earning assets | 0.2009% | 3,908 |
| Net interest margin | 3.0476% | 3,133 |
| Noninterest income to average assets | 0.5968% | 2,225 |
| Noninterest expense to average assets | 2.4822% | 2,229 |
| Loan and lease loss provision to assets | 0.1320% | 1,035 |
| Net operating income to assets | 0.7242% | 3,653 |
| Return on assets (ROA) | 0.8107% | 3,459 |
| Pretax return on assets | 0.9691% | 3,462 |
| Return on Equity (ROE) | 9.3448% | 2,910 |
| Retained earnings to average equity (ytd only) | 6.3009% | 2,795 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3202% | 1,566 |
| Assets per employee ($millions) | 5.4398% | 3,175 |
| Cash dividends to net income (ytd only)* | 32.5733% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 3,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,164 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 33.0060% | 4,605 |
| Net loans and leases to deposits | 35.9561% | 4,680 |
| Net loans and leases to core deposits | 38.5446% | 4,656 |
| Total domestic deposits to total assets | 91.7954% | 187 |
| Equity capital to assets | 8.0645% | 4,452 |
| Core capital (leverage) ratio | 8.3692% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2210% | 656 |
| Memoranda: | ||
| Average total assets | $151,475,500 | 3,513 |
| Average earning assets | $143,327,000 | 3,480 |
| Average equity | $13,141,000 | 3,890 |
| Average total loans | $51,281,500 | 4,067 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5375% | 3,944 |
| Cost of funding earning assets | 0.3689% | 3,773 |
| Net interest margin | 3.1686% | 3,438 |
| Noninterest income to average assets | 0.6445% | 2,050 |
| Noninterest expense to average assets | 2.7524% | 2,069 |
| Loan and lease loss provision to assets | 0.0449% | 3,839 |
| Net operating income to assets | 0.6629% | 3,549 |
| Return on assets (ROA) | 0.7865% | 3,266 |
| Pretax return on assets | 0.9844% | 3,091 |
| Return on Equity (ROE) | 8.2716% | 2,704 |
| Retained earnings to average equity (ytd only) | 5.3312% | 2,128 |
| Net charge-offs to loans | 0.0296% | 2,436 |
| Credit loss provision to net charge-offs | 435.7143% | 1,358 |
| Earnings coverage of net charge-offs (x) | 84.9286% | 866 |
| Efficiency ratio | 75.8824% | 1,243 |
| Assets per employee ($millions) | 5.0068% | 3,385 |
| Cash dividends to net income (ytd only)* | 35.5472% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,461 |
| Loan loss allowance to noncurrent loans | 1,307.1429% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,218 |
| Noncurrent loans to loans | 0.0842% | 3,957 |
| Net loans and leases to total assets | 33.9860% | 4,648 |
| Net loans and leases to deposits | 37.6066% | 4,706 |
| Net loans and leases to core deposits | 40.1803% | 4,689 |
| Total domestic deposits to total assets | 90.3725% | 427 |
| Equity capital to assets | 9.3390% | 3,756 |
| Core capital (leverage) ratio | 9.1482% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1281% | 573 |
| Memoranda: | ||
| Average total assets | $135,916,600 | 3,559 |
| Average earning assets | $127,942,400 | 3,533 |
| Average equity | $12,923,800 | 3,868 |
| Average total loans | $47,278,800 | 4,158 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 3,908 |
| Cost of funding earning assets | 0.4096% | 3,767 |
| Net interest margin | 3.2432% | 3,353 |
| Noninterest income to average assets | 0.6597% | 1,946 |
| Noninterest expense to average assets | 2.7755% | 2,037 |
| Loan and lease loss provision to assets | 0.0599% | 3,592 |
| Net operating income to assets | 0.7144% | 3,416 |
| Return on assets (ROA) | 0.8363% | 3,089 |
| Pretax return on assets | 1.0230% | 2,978 |
| Return on Equity (ROE) | 8.7531% | 2,497 |
| Retained earnings to average equity (ytd only) | 6.3507% | 1,945 |
| Net charge-offs to loans | 0.0315% | 2,203 |
| Credit loss provision to net charge-offs | 545.4545% | 1,225 |
| Earnings coverage of net charge-offs (x) | 85.0909% | 886 |
| Efficiency ratio | 74.8184% | 1,322 |
| Assets per employee ($millions) | 4.4202% | 3,933 |
| Cash dividends to net income (ytd only)* | 27.4463% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 3,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 36.2518% | 4,672 |
| Net loans and leases to deposits | 40.4097% | 4,738 |
| Net loans and leases to core deposits | 43.3701% | 4,723 |
| Total domestic deposits to total assets | 89.7106% | 522 |
| Equity capital to assets | 9.8303% | 3,396 |
| Core capital (leverage) ratio | 9.1748% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5981% | 543 |
| Memoranda: | ||
| Average total assets | $133,596,250 | 3,571 |
| Average earning assets | $125,634,250 | 3,546 |
| Average equity | $12,764,750 | 3,890 |
| Average total loans | $46,624,500 | 4,193 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 4,077 |
| Cost of funding earning assets | 0.4566% | 3,760 |
| Net interest margin | 3.2495% | 3,526 |
| Noninterest income to average assets | 0.6629% | 1,891 |
| Noninterest expense to average assets | 2.7602% | 2,186 |
| Loan and lease loss provision to assets | 0.0604% | 3,546 |
| Net operating income to assets | 0.7469% | 3,222 |
| Return on assets (ROA) | 0.8622% | 2,954 |
| Pretax return on assets | 1.0328% | 2,919 |
| Return on Equity (ROE) | 9.1144% | 2,311 |
| Retained earnings to average equity (ytd only) | 6.7201% | 1,769 |
| Net charge-offs to loans | 0.0440% | 1,864 |
| Credit loss provision to net charge-offs | 400.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 63.2000% | 932 |
| Efficiency ratio | 74.3089% | 1,435 |
| Assets per employee ($millions) | 4.2711% | 4,035 |
| Cash dividends to net income (ytd only)* | 26.2697% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 2,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 34.3596% | 4,771 |
| Net loans and leases to deposits | 38.2027% | 4,830 |
| Net loans and leases to core deposits | 40.9954% | 4,811 |
| Total domestic deposits to total assets | 89.9404% | 414 |
| Equity capital to assets | 9.6945% | 3,484 |
| Core capital (leverage) ratio | 9.3198% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2064% | 648 |
| Memoranda: | ||
| Average total assets | $132,453,333 | 3,573 |
| Average earning assets | $124,387,667 | 3,541 |
| Average equity | $12,529,667 | 3,925 |
| Average total loans | $45,424,333 | 4,230 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 3,967 |
| Cost of funding earning assets | 0.5280% | 3,809 |
| Net interest margin | 3.4074% | 3,276 |
| Noninterest income to average assets | 0.7580% | 1,441 |
| Noninterest expense to average assets | 2.8049% | 2,415 |
| Loan and lease loss provision to assets | 0.0614% | 3,003 |
| Net operating income to assets | 0.8685% | 2,623 |
| Return on assets (ROA) | 0.8685% | 2,729 |
| Pretax return on assets | 1.0802% | 2,589 |
| Return on Equity (ROE) | 9.3019% | 1,991 |
| Retained earnings to average equity (ytd only) | 7.0011% | 1,533 |
| Net charge-offs to loans | 0.0901% | 1,154 |
| Credit loss provision to net charge-offs | 200.0000% | 1,417 |
| Earnings coverage of net charge-offs (x) | 37.2000% | 1,063 |
| Efficiency ratio | 71.0731% | 2,206 |
| Assets per employee ($millions) | 4.0770% | 3,819 |
| Cash dividends to net income (ytd only)* | 24.7350% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 2,886 |
| 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 | 33.4764% | 4,841 |
| Net loans and leases to deposits | 37.0564% | 4,892 |
| Net loans and leases to core deposits | 39.8826% | 4,877 |
| Total domestic deposits to total assets | 90.3392% | 232 |
| Equity capital to assets | 9.4316% | 4,287 |
| Core capital (leverage) ratio | 9.1762% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6892% | 517 |
| Memoranda: | ||
| Average total assets | $130,342,500 | 3,581 |
| Average earning assets | $121,971,500 | 3,550 |
| Average equity | $12,169,500 | 3,977 |
| Average total loans | $44,390,000 | 4,270 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 4,373 |
| Cost of funding earning assets | 0.5964% | 3,655 |
| Net interest margin | 3.3381% | 3,896 |
| Noninterest income to average assets | 0.7165% | 1,757 |
| Noninterest expense to average assets | 2.9171% | 2,239 |
| Loan and lease loss provision to assets | 0.0008% | 3,963 |
| Net operating income to assets | 0.7624% | 3,663 |
| Return on assets (ROA) | 0.7723% | 3,717 |
| Pretax return on assets | 0.9299% | 3,648 |
| Return on Equity (ROE) | 8.5745% | 2,916 |
| Retained earnings to average equity (ytd only) | 5.9226% | 1,908 |
| Net charge-offs to loans | 0.0191% | 3,045 |
| Credit loss provision to net charge-offs | 12.5000% | 3,346 |
| Earnings coverage of net charge-offs (x) | 144.2500% | 510 |
| Efficiency ratio | 76.0482% | 1,362 |
| Assets per employee ($millions) | 4.2006% | 3,632 |
| Cash dividends to net income (ytd only)* | 30.9278% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 2,804 |
| Loan loss allowance to noncurrent loans | 230.2752% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 3,809 |
| Noncurrent loans to loans | 0.4889% | 2,725 |
| Net loans and leases to total assets | 33.8589% | 4,902 |
| Net loans and leases to deposits | 37.3697% | 4,951 |
| Net loans and leases to core deposits | 40.2989% | 4,939 |
| Total domestic deposits to total assets | 90.6051% | 179 |
| Equity capital to assets | 9.2413% | 4,540 |
| Core capital (leverage) ratio | 9.7942% | 3,736 |
| Tier 1 risk-based capital ratio | 21.7306% | 1,057 |
| Total risk-based capital ratio | 22.6603% | 1,076 |
| Memoranda: | ||
| Average total assets | $125,604,400 | 3,621 |
| Average earning assets | $117,372,200 | 3,596 |
| Average equity | $11,312,600 | 4,080 |
| Average total loans | $41,936,800 | 4,361 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 4,358 |
| Cost of funding earning assets | 0.6211% | 3,580 |
| Net interest margin | 3.3786% | 3,918 |
| Noninterest income to average assets | 0.7253% | 1,684 |
| Noninterest expense to average assets | 2.8862% | 2,303 |
| Loan and lease loss provision to assets | 0.0011% | 3,825 |
| Net operating income to assets | 0.8287% | 3,583 |
| Return on assets (ROA) | 0.8421% | 3,624 |
| Pretax return on assets | 1.0188% | 3,532 |
| Return on Equity (ROE) | 9.4138% | 2,707 |
| Retained earnings to average equity (ytd only) | 6.5394% | 2,094 |
| Net charge-offs to loans | 0.0162% | 2,826 |
| Credit loss provision to net charge-offs | 20.0000% | 2,967 |
| Earnings coverage of net charge-offs (x) | 187.3013% | 464 |
| Efficiency ratio | 74.1944% | 1,535 |
| Assets per employee ($millions) | 3.8637% | 4,080 |
| Cash dividends to net income (ytd only)* | 30.5343% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,478 |
| Loan loss allowance to noncurrent loans | 233.7963% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 3,854 |
| Noncurrent loans to loans | 0.5156% | 2,743 |
| Net loans and leases to total assets | 34.5573% | 4,978 |
| Net loans and leases to deposits | 38.5298% | 5,026 |
| Net loans and leases to core deposits | 41.8590% | 4,997 |
| Total domestic deposits to total assets | 89.6898% | 374 |
| Equity capital to assets | 10.0121% | 4,006 |
| Core capital (leverage) ratio | 9.7118% | 3,956 |
| Tier 1 risk-based capital ratio | 22.2016% | 1,040 |
| Total risk-based capital ratio | 23.1669% | 1,053 |
| Memoranda: | ||
| Average total assets | $124,450,500 | 3,672 |
| Average earning assets | $116,572,500 | 3,643 |
| Average equity | $11,132,250 | 4,140 |
| Average total loans | $41,272,750 | 4,435 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 4,585 |
| Cost of funding earning assets | 0.6362% | 3,479 |
| Net interest margin | 3.2456% | 4,250 |
| Noninterest income to average assets | 0.6888% | 1,761 |
| Noninterest expense to average assets | 2.8347% | 2,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7357% | 3,882 |
| Return on assets (ROA) | 0.7476% | 3,904 |
| Pretax return on assets | 0.9047% | 3,828 |
| Return on Equity (ROE) | 8.6855% | 2,982 |
| Retained earnings to average equity (ytd only) | 5.7350% | 2,399 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0971% | 1,386 |
| Assets per employee ($millions) | 4.0065% | 3,852 |
| Cash dividends to net income (ytd only)* | 33.9703% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,209 |
| Loan loss allowance to noncurrent loans | 235.6481% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 3,892 |
| Noncurrent loans to loans | 0.5338% | 2,678 |
| Net loans and leases to total assets | 32.1720% | 5,070 |
| Net loans and leases to deposits | 35.5587% | 5,115 |
| Net loans and leases to core deposits | 38.2875% | 5,104 |
| Total domestic deposits to total assets | 90.4759% | 197 |
| Equity capital to assets | 9.3292% | 4,550 |
| Core capital (leverage) ratio | 9.1036% | 4,545 |
| Tier 1 risk-based capital ratio | 22.9744% | 948 |
| Total risk-based capital ratio | 24.0016% | 949 |
| Memoranda: | ||
| Average total assets | $126,009,000 | 3,677 |
| Average earning assets | $117,883,330 | 3,650 |
| Average equity | $10,845,670 | 4,194 |
| Average total loans | $41,065,000 | 4,471 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,807 |
| Cost of funding earning assets | 0.6617% | 3,253 |
| Net interest margin | 3.0653% | 4,646 |
| Noninterest income to average assets | 0.6839% | 1,669 |
| Noninterest expense to average assets | 2.7956% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6395% | 4,124 |
| Return on assets (ROA) | 0.6556% | 4,110 |
| Pretax return on assets | 0.7690% | 4,119 |
| Return on Equity (ROE) | 7.9427% | 3,289 |
| Retained earnings to average equity (ytd only) | 4.8878% | 2,953 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8444% | 1,177 |
| Assets per employee ($millions) | 4.6604% | 2,970 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 30.2345% | 5,145 |
| Net loans and leases to deposits | 33.0206% | 5,180 |
| Net loans and leases to core deposits | 35.3829% | 5,178 |
| Total domestic deposits to total assets | 91.5626% | 93 |
| Equity capital to assets | 8.3110% | 5,078 |
| Core capital (leverage) ratio | 8.5056% | 5,009 |
| Tier 1 risk-based capital ratio | 22.8412% | 953 |
| Total risk-based capital ratio | 23.8788% | 953 |
| Memoranda: | ||
| Average total assets | $126,913,000 | 3,696 |
| Average earning assets | $118,489,000 | 3,675 |
| Average equity | $10,475,000 | 4,261 |
| Average total loans | $41,364,000 | 4,503 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7221% | 4,635 |
| Cost of funding earning assets | 0.4731% | 3,533 |
| Net interest margin | 3.2491% | 4,388 |
| Noninterest income to average assets | 0.6873% | 1,896 |
| Noninterest expense to average assets | 2.7733% | 2,776 |
| Loan and lease loss provision to assets | 0.0008% | 4,076 |
| Net operating income to assets | 0.8002% | 3,807 |
| Return on assets (ROA) | 0.8002% | 3,809 |
| Pretax return on assets | 0.9522% | 3,751 |
| Return on Equity (ROE) | 10.3717% | 2,359 |
| Retained earnings to average equity (ytd only) | 7.2602% | 1,554 |
| Net charge-offs to loans | 0.0024% | 3,654 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 1,191.0000% | 90 |
| Efficiency ratio | 74.4256% | 1,569 |
| Assets per employee ($millions) | 4.1112% | 3,736 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 2,623 |
| Loan loss allowance to noncurrent loans | 196.5251% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 3,777 |
| Noncurrent loans to loans | 0.6056% | 2,463 |
| Net loans and leases to total assets | 34.2617% | 5,114 |
| Net loans and leases to deposits | 37.3526% | 5,167 |
| Net loans and leases to core deposits | 39.5239% | 5,166 |
| Total domestic deposits to total assets | 91.7250% | 94 |
| Equity capital to assets | 8.1931% | 5,088 |
| Core capital (leverage) ratio | 8.9779% | 4,674 |
| Tier 1 risk-based capital ratio | 20.7349% | 1,188 |
| Total risk-based capital ratio | 21.6875% | 1,215 |
| Memoranda: | ||
| Average total assets | $124,976,400 | 3,719 |
| Average earning assets | $116,895,600 | 3,706 |
| Average equity | $9,641,600 | 4,361 |
| Average total loans | $40,836,200 | 4,526 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6843% | 4,678 |
| Cost of funding earning assets | 0.4570% | 3,481 |
| Net interest margin | 3.2273% | 4,461 |
| Noninterest income to average assets | 0.6827% | 1,918 |
| Noninterest expense to average assets | 2.6999% | 2,984 |
| Loan and lease loss provision to assets | 0.0011% | 3,935 |
| Net operating income to assets | 0.8486% | 3,748 |
| Return on assets (ROA) | 0.8486% | 3,753 |
| Pretax return on assets | 1.0081% | 3,699 |
| Return on Equity (ROE) | 11.1694% | 2,109 |
| Retained earnings to average equity (ytd only) | 7.6703% | 1,811 |
| Net charge-offs to loans | 0.0033% | 3,356 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 951.3534% | 92 |
| Efficiency ratio | 72.7924% | 1,766 |
| Assets per employee ($millions) | 4.3289% | 3,387 |
| Cash dividends to net income (ytd only)* | 31.3289% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,717 |
| Loan loss allowance to noncurrent loans | 146.6859% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 3,579 |
| Noncurrent loans to loans | 0.8075% | 2,092 |
| Net loans and leases to total assets | 33.8253% | 5,204 |
| Net loans and leases to deposits | 36.6309% | 5,265 |
| Net loans and leases to core deposits | 38.6525% | 5,259 |
| Total domestic deposits to total assets | 92.3410% | 64 |
| Equity capital to assets | 7.4734% | 5,312 |
| Core capital (leverage) ratio | 8.5927% | 5,036 |
| Tier 1 risk-based capital ratio | 19.8130% | 1,374 |
| Total risk-based capital ratio | 20.7357% | 1,410 |
| Memoranda: | ||
| Average total assets | $125,386,500 | 3,745 |
| Average earning assets | $117,578,500 | 3,725 |
| Average equity | $9,525,750 | 4,418 |
| Average total loans | $40,353,750 | 4,589 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 4,830 |
| Cost of funding earning assets | 0.4273% | 3,519 |
| Net interest margin | 3.1359% | 4,651 |
| Noninterest income to average assets | 0.6862% | 1,927 |
| Noninterest expense to average assets | 2.6744% | 3,100 |
| Loan and lease loss provision to assets | 0.0016% | 3,769 |
| Net operating income to assets | 0.7976% | 3,865 |
| Return on assets (ROA) | 0.7963% | 3,872 |
| Pretax return on assets | 0.9479% | 3,816 |
| Return on Equity (ROE) | 10.4244% | 2,371 |
| Retained earnings to average equity (ytd only) | 6.7686% | 2,178 |
| Net charge-offs to loans | 0.0051% | 2,988 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 596.0000% | 144 |
| Efficiency ratio | 73.7676% | 1,739 |
| Assets per employee ($millions) | 4.4319% | 3,233 |
| Cash dividends to net income (ytd only)* | 35.0701% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 30.3976% | 5,314 |
| Net loans and leases to deposits | 32.7645% | 5,366 |
| Net loans and leases to core deposits | 35.2886% | 5,350 |
| Total domestic deposits to total assets | 92.7759% | 41 |
| Equity capital to assets | 7.0925% | 5,439 |
| Core capital (leverage) ratio | 8.0944% | 5,313 |
| Tier 1 risk-based capital ratio | 20.2006% | 1,291 |
| Total risk-based capital ratio | 21.1607% | 1,310 |
| Memoranda: | ||
| Average total assets | $125,335,670 | 3,771 |
| Average earning assets | $117,477,000 | 3,755 |
| Average equity | $9,573,670 | 4,444 |
| Average total loans | $39,480,670 | 4,654 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 4,984 |
| Cost of funding earning assets | 0.3171% | 4,216 |
| Net interest margin | 3.1080% | 4,694 |
| Noninterest income to average assets | 0.7208% | 1,742 |
| Noninterest expense to average assets | 2.7221% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7669% | 3,843 |
| Return on assets (ROA) | 0.7669% | 3,842 |
| Pretax return on assets | 0.9019% | 3,848 |
| Return on Equity (ROE) | 9.6625% | 2,603 |
| Retained earnings to average equity (ytd only) | 5.5155% | 2,940 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1135% | 1,730 |
| Assets per employee ($millions) | 4.6679% | 2,904 |
| Cash dividends to net income (ytd only)* | 42.9185% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 28.6803% | 5,395 |
| Net loans and leases to deposits | 30.8649% | 5,436 |
| Net loans and leases to core deposits | 32.9889% | 5,423 |
| Total domestic deposits to total assets | 92.9223% | 44 |
| Equity capital to assets | 6.9618% | 5,517 |
| Core capital (leverage) ratio | 8.9091% | 4,791 |
| Tier 1 risk-based capital ratio | 19.9382% | 1,353 |
| Total risk-based capital ratio | 20.9028% | 1,373 |
| Memoranda: | ||
| Average total assets | $121,524,500 | 3,876 |
| Average earning assets | $113,515,000 | 3,857 |
| Average equity | $9,645,500 | 4,476 |
| Average total loans | $38,758,500 | 4,734 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5409% | 4,710 |
| Cost of funding earning assets | 0.2405% | 4,639 |
| Net interest margin | 3.3004% | 4,164 |
| Noninterest income to average assets | 0.8415% | 1,433 |
| Noninterest expense to average assets | 3.0278% | 2,077 |
| Loan and lease loss provision to assets | -0.0928% | 5,468 |
| Net operating income to assets | 0.7759% | 3,270 |
| Return on assets (ROA) | 0.8093% | 3,161 |
| Pretax return on assets | 1.0252% | 3,478 |
| Return on Equity (ROE) | 8.9013% | 2,355 |
| Retained earnings to average equity (ytd only) | 5.0114% | 2,119 |
| Net charge-offs to loans | -0.2881% | 5,558 |
| Credit loss provision to net charge-offs | 90.9910% | 2,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2802% | 1,449 |
| Assets per employee ($millions) | 3.5894% | 4,588 |
| Cash dividends to net income (ytd only)* | 43.7003% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 2,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 34.9876% | 5,314 |
| Net loans and leases to deposits | 38.5967% | 5,377 |
| Net loans and leases to core deposits | 40.4555% | 5,376 |
| Total domestic deposits to total assets | 90.6492% | 351 |
| Equity capital to assets | 9.1632% | 4,563 |
| Core capital (leverage) ratio | 9.8143% | 3,682 |
| Tier 1 risk-based capital ratio | 21.7407% | 1,049 |
| Total risk-based capital ratio | 22.8057% | 1,046 |
| Memoranda: | ||
| Average total assets | $108,857,600 | 4,084 |
| Average earning assets | $101,471,800 | 4,073 |
| Average equity | $9,897,400 | 4,467 |
| Average total loans | $38,527,000 | 4,775 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 4,806 |
| Cost of funding earning assets | 0.2371% | 4,677 |
| Net interest margin | 3.2676% | 4,268 |
| Noninterest income to average assets | 0.8722% | 1,363 |
| Noninterest expense to average assets | 2.9671% | 2,199 |
| Loan and lease loss provision to assets | -0.1246% | 5,614 |
| Net operating income to assets | 0.8394% | 3,329 |
| Return on assets (ROA) | 0.9051% | 3,062 |
| Pretax return on assets | 1.1604% | 3,064 |
| Return on Equity (ROE) | 9.9746% | 2,149 |
| Retained earnings to average equity (ytd only) | 6.2728% | 2,072 |
| Net charge-offs to loans | -0.3902% | 5,635 |
| Credit loss provision to net charge-offs | 90.2655% | 2,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7170% | 1,634 |
| Assets per employee ($millions) | 3.6213% | 4,557 |
| Cash dividends to net income (ytd only)* | 37.1121% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 1,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 33.5723% | 5,423 |
| Net loans and leases to deposits | 37.1889% | 5,477 |
| Net loans and leases to core deposits | 40.2794% | 5,452 |
| Total domestic deposits to total assets | 90.2752% | 384 |
| Equity capital to assets | 9.5149% | 4,428 |
| Core capital (leverage) ratio | 9.7510% | 3,879 |
| Tier 1 risk-based capital ratio | 22.2677% | 1,017 |
| Total risk-based capital ratio | 23.3638% | 1,017 |
| Memoranda: | ||
| Average total assets | $109,151,750 | 4,117 |
| Average earning assets | $101,763,500 | 4,107 |
| Average equity | $9,905,000 | 4,513 |
| Average total loans | $38,612,750 | 4,825 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4462% | 4,886 |
| Cost of funding earning assets | 0.2355% | 4,680 |
| Net interest margin | 3.2107% | 4,385 |
| Noninterest income to average assets | 0.8324% | 1,458 |
| Noninterest expense to average assets | 2.9235% | 2,350 |
| Loan and lease loss provision to assets | -0.1427% | 5,675 |
| Net operating income to assets | 0.8375% | 3,211 |
| Return on assets (ROA) | 0.9019% | 2,953 |
| Pretax return on assets | 1.1251% | 3,068 |
| Return on Equity (ROE) | 10.1014% | 1,994 |
| Retained earnings to average equity (ytd only) | 6.5157% | 1,835 |
| Net charge-offs to loans | -0.4546% | 5,685 |
| Credit loss provision to net charge-offs | 87.6404% | 2,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4228% | 1,654 |
| Assets per employee ($millions) | 3.5612% | 4,632 |
| Cash dividends to net income (ytd only)* | 35.4970% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 5,142 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 36.3002% | 5,372 |
| Net loans and leases to deposits | 40.0884% | 5,451 |
| Net loans and leases to core deposits | 43.2298% | 5,412 |
| Total domestic deposits to total assets | 90.5504% | 341 |
| Equity capital to assets | 9.2893% | 4,632 |
| Core capital (leverage) ratio | 9.3045% | 4,362 |
| Tier 1 risk-based capital ratio | 20.3444% | 1,297 |
| Total risk-based capital ratio | 21.3601% | 1,316 |
| Memoranda: | ||
| Average total assets | $109,322,330 | 4,138 |
| Average earning assets | $101,908,330 | 4,133 |
| Average equity | $9,761,000 | 4,547 |
| Average total loans | $39,156,000 | 4,843 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 4,921 |
| Cost of funding earning assets | 0.2365% | 4,670 |
| Net interest margin | 3.1645% | 4,452 |
| Noninterest income to average assets | 0.9156% | 1,195 |
| Noninterest expense to average assets | 2.9048% | 2,441 |
| Loan and lease loss provision to assets | 0.0037% | 3,509 |
| Net operating income to assets | 0.7538% | 3,460 |
| Return on assets (ROA) | 0.7538% | 3,514 |
| Pretax return on assets | 0.9597% | 3,547 |
| Return on Equity (ROE) | 8.6189% | 2,607 |
| Retained earnings to average equity (ytd only) | 4.9611% | 2,921 |
| Net charge-offs to loans | 0.0104% | 2,618 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 223 |
| Efficiency ratio | 75.0951% | 2,053 |
| Assets per employee ($millions) | 3.8074% | 4,336 |
| Cash dividends to net income (ytd only)* | 42.4390% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 2,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 5,195 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 32.8661% | 5,510 |
| Net loans and leases to deposits | 35.9661% | 5,583 |
| Net loans and leases to core deposits | 38.5528% | 5,559 |
| Total domestic deposits to total assets | 91.3807% | 196 |
| Equity capital to assets | 8.4739% | 5,261 |
| Core capital (leverage) ratio | 9.2114% | 4,470 |
| Tier 1 risk-based capital ratio | 20.9394% | 1,224 |
| Total risk-based capital ratio | 21.9826% | 1,236 |
| Memoranda: | ||
| Average total assets | $108,785,500 | 4,194 |
| Average earning assets | $101,499,500 | 4,179 |
| Average equity | $9,514,000 | 4,623 |
| Average total loans | $38,442,000 | 4,907 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 4,776 |
| Cost of funding earning assets | 0.2510% | 4,555 |
| Net interest margin | 3.2507% | 4,297 |
| Noninterest income to average assets | 0.8206% | 1,680 |
| Noninterest expense to average assets | 3.0592% | 2,144 |
| Loan and lease loss provision to assets | -0.2524% | 5,812 |
| Net operating income to assets | 0.8490% | 3,072 |
| Return on assets (ROA) | 0.8922% | 2,985 |
| Pretax return on assets | 1.0977% | 3,112 |
| Return on Equity (ROE) | 9.8285% | 2,033 |
| Retained earnings to average equity (ytd only) | 6.0366% | 1,683 |
| Net charge-offs to loans | -0.7018% | 5,851 |
| Credit loss provision to net charge-offs | 98.2143% | 2,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4328% | 1,488 |
| Assets per employee ($millions) | 3.4450% | 4,835 |
| Cash dividends to net income (ytd only)* | 38.5802% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 5,031 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 37.1030% | 5,446 |
| Net loans and leases to deposits | 40.8353% | 5,525 |
| Net loans and leases to core deposits | 44.1205% | 5,485 |
| Total domestic deposits to total assets | 90.8602% | 324 |
| Equity capital to assets | 9.0460% | 4,769 |
| Core capital (leverage) ratio | 9.7187% | 3,831 |
| Tier 1 risk-based capital ratio | 20.4596% | 1,291 |
| Total risk-based capital ratio | 21.4909% | 1,308 |
| Memoranda: | ||
| Average total assets | $108,950,200 | 4,191 |
| Average earning assets | $101,578,200 | 4,177 |
| Average equity | $9,889,600 | 4,601 |
| Average total loans | $39,894,600 | 4,887 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 4,798 |
| Cost of funding earning assets | 0.2564% | 4,545 |
| Net interest margin | 3.2434% | 4,367 |
| Noninterest income to average assets | 0.8264% | 1,661 |
| Noninterest expense to average assets | 2.9952% | 2,332 |
| Loan and lease loss provision to assets | -0.1812% | 5,858 |
| Net operating income to assets | 0.8117% | 3,315 |
| Return on assets (ROA) | 0.8663% | 3,193 |
| Pretax return on assets | 1.1092% | 3,190 |
| Return on Equity (ROE) | 9.5362% | 2,257 |
| Retained earnings to average equity (ytd only) | 6.5436% | 1,882 |
| Net charge-offs to loans | -0.5113% | 5,891 |
| Credit loss provision to net charge-offs | 97.4026% | 2,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7360% | 1,725 |
| Assets per employee ($millions) | 3.6531% | 4,567 |
| Cash dividends to net income (ytd only)* | 31.3804% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 2,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 5,138 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 35.9169% | 5,554 |
| Net loans and leases to deposits | 39.9282% | 5,634 |
| Net loans and leases to core deposits | 42.2670% | 5,629 |
| Total domestic deposits to total assets | 89.9537% | 499 |
| Equity capital to assets | 9.6707% | 4,494 |
| Core capital (leverage) ratio | 8.9580% | 4,872 |
| Tier 1 risk-based capital ratio | 20.9376% | 1,282 |
| Total risk-based capital ratio | 22.0020% | 1,286 |
| Memoranda: | ||
| Average total assets | $110,350,250 | 4,187 |
| Average earning assets | $102,976,500 | 4,166 |
| Average equity | $10,024,750 | 4,611 |
| Average total loans | $40,157,000 | 4,916 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4362% | 5,012 |
| Cost of funding earning assets | 0.2506% | 4,652 |
| Net interest margin | 3.1856% | 4,589 |
| Noninterest income to average assets | 0.8424% | 1,577 |
| Noninterest expense to average assets | 2.9816% | 2,405 |
| Loan and lease loss provision to assets | -0.2737% | 5,971 |
| Net operating income to assets | 0.8979% | 2,872 |
| Return on assets (ROA) | 0.9819% | 2,605 |
| Pretax return on assets | 1.2162% | 2,717 |
| Return on Equity (ROE) | 11.0337% | 1,626 |
| Retained earnings to average equity (ytd only) | 8.0190% | 1,164 |
| Net charge-offs to loans | -0.7667% | 5,974 |
| Credit loss provision to net charge-offs | 98.0769% | 2,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0431% | 1,785 |
| Assets per employee ($millions) | 3.8943% | 4,101 |
| Cash dividends to net income (ytd only)* | 27.3224% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 3,112 |
| Loan loss allowance to noncurrent loans | 1,183.3333% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 5,284 |
| Noncurrent loans to loans | 0.1051% | 5,029 |
| Net loans and leases to total assets | 34.9384% | 5,647 |
| Net loans and leases to deposits | 38.5939% | 5,732 |
| Net loans and leases to core deposits | 42.1384% | 5,677 |
| Total domestic deposits to total assets | 90.5283% | 309 |
| Equity capital to assets | 9.0981% | 5,161 |
| Core capital (leverage) ratio | 8.6923% | 5,178 |
| Tier 1 risk-based capital ratio | 19.4420% | 1,584 |
| Total risk-based capital ratio | 20.4376% | 1,616 |
| Memoranda: | ||
| Average total assets | $111,820,670 | 4,191 |
| Average earning assets | $104,534,000 | 4,162 |
| Average equity | $9,951,330 | 4,653 |
| Average total loans | $40,693,330 | 4,946 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4641% | 4,974 |
| Cost of funding earning assets | 0.2386% | 4,822 |
| Net interest margin | 3.2254% | 4,495 |
| Noninterest income to average assets | 0.8017% | 1,608 |
| Noninterest expense to average assets | 2.9803% | 2,456 |
| Loan and lease loss provision to assets | -0.5572% | 6,090 |
| Net operating income to assets | 1.2026% | 1,552 |
| Return on assets (ROA) | 1.2583% | 1,477 |
| Pretax return on assets | 1.4560% | 1,732 |
| Return on Equity (ROE) | 14.3010% | 781 |
| Retained earnings to average equity (ytd only) | 8.1720% | 1,388 |
| Net charge-offs to loans | -1.5196% | 6,057 |
| Credit loss provision to net charge-offs | 99.3590% | 1,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1338% | 1,878 |
| Assets per employee ($millions) | 4.1623% | 3,648 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 3,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 5,379 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 34.6925% | 5,690 |
| Net loans and leases to deposits | 38.0891% | 5,774 |
| Net loans and leases to core deposits | 41.4402% | 5,735 |
| Total domestic deposits to total assets | 91.0823% | 246 |
| Equity capital to assets | 8.5822% | 5,510 |
| Core capital (leverage) ratio | 8.7019% | 5,171 |
| Tier 1 risk-based capital ratio | 18.4351% | 1,876 |
| Total risk-based capital ratio | 19.3948% | 1,910 |
| Memoranda: | ||
| Average total assets | $111,263,000 | 4,240 |
| Average earning assets | $103,924,500 | 4,212 |
| Average equity | $9,789,500 | 4,710 |
| Average total loans | $41,062,500 | 4,973 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,959 |
| Cost of funding earning assets | 0.2869% | 4,399 |
| Net interest margin | 3.1977% | 4,634 |
| Noninterest income to average assets | 0.7876% | 1,836 |
| Noninterest expense to average assets | 2.9404% | 2,725 |
| Loan and lease loss provision to assets | 0.0119% | 4,173 |
| Net operating income to assets | 0.6273% | 4,151 |
| Return on assets (ROA) | 0.6835% | 3,990 |
| Pretax return on assets | 0.8889% | 3,883 |
| Return on Equity (ROE) | 7.9512% | 2,984 |
| Retained earnings to average equity (ytd only) | 4.5011% | 2,781 |
| Net charge-offs to loans | 0.0074% | 4,185 |
| Credit loss provision to net charge-offs | 433.3333% | 711 |
| Earnings coverage of net charge-offs (x) | 302.3333% | 238 |
| Efficiency ratio | 78.0334% | 1,963 |
| Assets per employee ($millions) | 3.5327% | 4,771 |
| Cash dividends to net income (ytd only)* | 43.3912% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 3,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 5,394 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 38.4065% | 5,604 |
| Net loans and leases to deposits | 42.3101% | 5,700 |
| Net loans and leases to core deposits | 46.1570% | 5,642 |
| Total domestic deposits to total assets | 90.7739% | 345 |
| Equity capital to assets | 9.0364% | 5,088 |
| Core capital (leverage) ratio | 9.0738% | 4,791 |
| Tier 1 risk-based capital ratio | 18.7416% | 1,764 |
| Total risk-based capital ratio | 19.7359% | 1,778 |
| Memoranda: | ||
| Average total assets | $109,576,600 | 4,267 |
| Average earning assets | $102,135,800 | 4,237 |
| Average equity | $9,420,000 | 4,765 |
| Average total loans | $40,675,800 | 4,982 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4629% | 5,073 |
| Cost of funding earning assets | 0.3003% | 4,335 |
| Net interest margin | 3.1626% | 4,794 |
| Noninterest income to average assets | 0.7821% | 1,874 |
| Noninterest expense to average assets | 2.8675% | 2,944 |
| Loan and lease loss provision to assets | 0.0133% | 4,009 |
| Net operating income to assets | 0.6439% | 4,168 |
| Return on assets (ROA) | 0.7108% | 3,963 |
| Pretax return on assets | 0.9377% | 3,853 |
| Return on Equity (ROE) | 8.3715% | 2,897 |
| Retained earnings to average equity (ytd only) | 5.1736% | 2,794 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8683% | 2,110 |
| Assets per employee ($millions) | 3.6661% | 4,494 |
| Cash dividends to net income (ytd only)* | 38.2002% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 3,461 |
| Loan loss allowance to noncurrent loans | 16,500.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 5,527 |
| Noncurrent loans to loans | 0.0075% | 5,620 |
| Net loans and leases to total assets | 37.2468% | 5,737 |
| Net loans and leases to deposits | 41.1317% | 5,829 |
| Net loans and leases to core deposits | 44.8674% | 5,765 |
| Total domestic deposits to total assets | 90.5548% | 373 |
| Equity capital to assets | 9.0690% | 5,242 |
| Core capital (leverage) ratio | 8.6385% | 5,421 |
| Tier 1 risk-based capital ratio | 18.9059% | 1,797 |
| Total risk-based capital ratio | 19.9173% | 1,822 |
| Memoranda: | ||
| Average total assets | $110,475,250 | 4,297 |
| Average earning assets | $102,993,250 | 4,261 |
| Average equity | $9,380,750 | 4,831 |
| Average total loans | $40,545,250 | 5,038 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4617% | 5,079 |
| Cost of funding earning assets | 0.3231% | 4,117 |
| Net interest margin | 3.1386% | 4,858 |
| Noninterest income to average assets | 0.7742% | 1,903 |
| Noninterest expense to average assets | 2.8017% | 3,230 |
| Loan and lease loss provision to assets | 0.0179% | 3,766 |
| Net operating income to assets | 0.6736% | 4,013 |
| Return on assets (ROA) | 0.7438% | 3,772 |
| Pretax return on assets | 0.9637% | 3,724 |
| Return on Equity (ROE) | 8.9523% | 2,576 |
| Retained earnings to average equity (ytd only) | 5.7243% | 2,398 |
| Net charge-offs to loans | -0.0049% | 4,734 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8838% | 2,380 |
| Assets per employee ($millions) | 3.9039% | 4,066 |
| Cash dividends to net income (ytd only)* | 36.0577% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 3,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 5,638 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 34.7029% | 5,875 |
| Net loans and leases to deposits | 38.0193% | 5,977 |
| Net loans and leases to core deposits | 41.4654% | 5,920 |
| Total domestic deposits to total assets | 91.2769% | 239 |
| Equity capital to assets | 8.5126% | 5,673 |
| Core capital (leverage) ratio | 8.2345% | 5,761 |
| Tier 1 risk-based capital ratio | 18.5980% | 1,898 |
| Total risk-based capital ratio | 19.6034% | 1,929 |
| Memoranda: | ||
| Average total assets | $111,861,000 | 4,305 |
| Average earning assets | $103,996,000 | 4,271 |
| Average equity | $9,293,670 | 4,885 |
| Average total loans | $40,695,330 | 5,079 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3775% | 5,256 |
| Cost of funding earning assets | 0.3617% | 3,731 |
| Net interest margin | 3.0158% | 5,169 |
| Noninterest income to average assets | 0.7990% | 1,709 |
| Noninterest expense to average assets | 2.7365% | 3,461 |
| Loan and lease loss provision to assets | 0.0177% | 3,493 |
| Net operating income to assets | 0.6707% | 3,949 |
| Return on assets (ROA) | 0.8132% | 3,323 |
| Pretax return on assets | 1.0253% | 3,404 |
| Return on Equity (ROE) | 9.9053% | 2,047 |
| Retained earnings to average equity (ytd only) | 6.6753% | 2,156 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0314% | 2,508 |
| Assets per employee ($millions) | 4.0114% | 3,937 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 4,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 5,720 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 35.8391% | 5,835 |
| Net loans and leases to deposits | 39.1805% | 5,943 |
| Net loans and leases to core deposits | 43.4695% | 5,857 |
| Total domestic deposits to total assets | 91.4717% | 236 |
| Equity capital to assets | 8.1749% | 5,950 |
| Core capital (leverage) ratio | 8.0780% | 5,891 |
| Tier 1 risk-based capital ratio | 17.6242% | 2,263 |
| Total risk-based capital ratio | 18.5770% | 2,324 |
| Memoranda: | ||
| Average total assets | $113,137,500 | 4,306 |
| Average earning assets | $105,047,500 | 4,273 |
| Average equity | $9,288,000 | 4,922 |
| Average total loans | $41,829,000 | 5,074 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 4,417 |
| Cost of funding earning assets | 0.4758% | 2,929 |
| Net interest margin | 3.3475% | 4,410 |
| Noninterest income to average assets | 0.7943% | 1,901 |
| Noninterest expense to average assets | 2.9237% | 3,073 |
| Loan and lease loss provision to assets | 0.0145% | 4,318 |
| Net operating income to assets | 0.7226% | 3,785 |
| Return on assets (ROA) | 0.7289% | 3,853 |
| Pretax return on assets | 0.9525% | 3,679 |
| Return on Equity (ROE) | 9.4533% | 2,361 |
| Retained earnings to average equity (ytd only) | 7.9799% | 1,023 |
| Net charge-offs to loans | 0.0198% | 4,453 |
| Credit loss provision to net charge-offs | 177.7778% | 1,365 |
| Earnings coverage of net charge-offs (x) | 117.2222% | 453 |
| Efficiency ratio | 75.3043% | 2,624 |
| Assets per employee ($millions) | 3.7905% | 4,361 |
| Cash dividends to net income (ytd only)* | 15.5860% | 3,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 4,186 |
| Loan loss allowance to noncurrent loans | 1,180.4878% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 5,653 |
| Noncurrent loans to loans | 0.0988% | 5,502 |
| Net loans and leases to total assets | 37.2921% | 5,888 |
| Net loans and leases to deposits | 40.7109% | 6,012 |
| Net loans and leases to core deposits | 45.5746% | 5,913 |
| Total domestic deposits to total assets | 91.6024% | 207 |
| Equity capital to assets | 8.2293% | 5,946 |
| Core capital (leverage) ratio | 8.3595% | 5,712 |
| Tier 1 risk-based capital ratio | 17.9028% | 2,172 |
| Total risk-based capital ratio | 18.8795% | 2,237 |
| Memoranda: | ||
| Average total assets | $110,032,000 | 4,380 |
| Average earning assets | $101,509,000 | 4,363 |
| Average equity | $8,483,800 | 5,087 |
| Average total loans | $45,534,600 | 4,976 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 4,221 |
| Cost of funding earning assets | 0.4907% | 2,852 |
| Net interest margin | 3.3954% | 4,260 |
| Noninterest income to average assets | 0.7899% | 1,933 |
| Noninterest expense to average assets | 2.8990% | 3,124 |
| Loan and lease loss provision to assets | 0.0157% | 4,096 |
| Net operating income to assets | 0.7526% | 3,657 |
| Return on assets (ROA) | 0.7608% | 3,715 |
| Pretax return on assets | 1.0128% | 3,543 |
| Return on Equity (ROE) | 10.0358% | 2,205 |
| Retained earnings to average equity (ytd only) | 10.0358% | 699 |
| Net charge-offs to loans | 0.0229% | 4,054 |
| Credit loss provision to net charge-offs | 162.5000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 104.9644% | 567 |
| Efficiency ratio | 74.0179% | 2,818 |
| Assets per employee ($millions) | 3.8830% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 4,834 |
| Loan loss allowance to noncurrent loans | 777.4194% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 5,441 |
| Noncurrent loans to loans | 0.1391% | 5,508 |
| Net loans and leases to total assets | 40.5482% | 5,785 |
| Net loans and leases to deposits | 44.2942% | 5,957 |
| Net loans and leases to core deposits | 51.1688% | 5,733 |
| Total domestic deposits to total assets | 91.5429% | 222 |
| Equity capital to assets | 8.2079% | 6,009 |
| Core capital (leverage) ratio | 8.2772% | 5,856 |
| Tier 1 risk-based capital ratio | 17.3112% | 2,468 |
| Total risk-based capital ratio | 18.2569% | 2,572 |
| Memoranda: | ||
| Average total assets | $110,059,000 | 4,421 |
| Average earning assets | $101,350,750 | 4,403 |
| Average equity | $8,343,250 | 5,162 |
| Average total loans | $46,549,000 | 4,979 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 4,289 |
| Cost of funding earning assets | 0.4882% | 2,943 |
| Net interest margin | 3.3743% | 4,289 |
| Noninterest income to average assets | 0.7801% | 1,912 |
| Noninterest expense to average assets | 2.8850% | 3,221 |
| Loan and lease loss provision to assets | 0.0217% | 3,843 |
| Net operating income to assets | 0.7387% | 3,630 |
| Return on assets (ROA) | 0.7511% | 3,665 |
| Pretax return on assets | 0.9918% | 3,510 |
| Return on Equity (ROE) | 10.1845% | 2,063 |
| Retained earnings to average equity (ytd only) | 10.1845% | 680 |
| Net charge-offs to loans | 0.0085% | 4,108 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 275.5000% | 247 |
| Efficiency ratio | 74.3124% | 2,920 |
| Assets per employee ($millions) | 3.7088% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 5,289 |
| Loan loss allowance to noncurrent loans | 442.7273% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 5,400 |
| Noncurrent loans to loans | 0.2290% | 5,312 |
| Net loans and leases to total assets | 42.7330% | 5,629 |
| Net loans and leases to deposits | 46.4013% | 5,862 |
| Net loans and leases to core deposits | 53.4922% | 5,581 |
| Total domestic deposits to total assets | 92.0944% | 162 |
| Equity capital to assets | 7.7528% | 6,272 |
| Core capital (leverage) ratio | 7.7803% | 6,219 |
| Tier 1 risk-based capital ratio | 16.0099% | 3,078 |
| Total risk-based capital ratio | 16.9148% | 3,205 |
| Memoranda: | ||
| Average total assets | $110,503,670 | 4,438 |
| Average earning assets | $101,590,330 | 4,421 |
| Average equity | $8,149,670 | 5,228 |
| Average total loans | $47,209,330 | 4,994 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 4,233 |
| Cost of funding earning assets | 0.4833% | 3,084 |
| Net interest margin | 3.3792% | 4,224 |
| Noninterest income to average assets | 0.7737% | 1,858 |
| Noninterest expense to average assets | 2.8622% | 3,336 |
| Loan and lease loss provision to assets | 0.0073% | 3,725 |
| Net operating income to assets | 0.7482% | 3,428 |
| Return on assets (ROA) | 0.7482% | 3,509 |
| Pretax return on assets | 1.0025% | 3,307 |
| Return on Equity (ROE) | 10.4152% | 1,905 |
| Retained earnings to average equity (ytd only) | 10.4152% | 875 |
| Net charge-offs to loans | 0.0171% | 3,243 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 357 |
| Efficiency ratio | 73.9212% | 3,155 |
| Assets per employee ($millions) | 3.9264% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 5,458 |
| Loan loss allowance to noncurrent loans | 437.6147% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 4,806 |
| Noncurrent loans to loans | 0.2320% | 5,406 |
| Net loans and leases to total assets | 40.8489% | 5,758 |
| Net loans and leases to deposits | 44.0572% | 5,972 |
| Net loans and leases to core deposits | 49.9871% | 5,760 |
| Total domestic deposits to total assets | 92.7178% | 144 |
| Equity capital to assets | 7.1075% | 6,422 |
| Core capital (leverage) ratio | 7.6767% | 6,274 |
| Tier 1 risk-based capital ratio | 15.3603% | 3,516 |
| Total risk-based capital ratio | 16.2318% | 3,670 |
| Memoranda: | ||
| Average total assets | $110,124,000 | 4,484 |
| Average earning assets | $100,971,500 | 4,484 |
| Average equity | $7,911,500 | 5,326 |
| Average total loans | $46,797,500 | 5,055 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 4,170 |
| Cost of funding earning assets | 0.5963% | 2,697 |
| Net interest margin | 3.3798% | 4,365 |
| Noninterest income to average assets | 0.8066% | 2,057 |
| Noninterest expense to average assets | 3.0982% | 2,738 |
| Loan and lease loss provision to assets | 0.1084% | 2,989 |
| Net operating income to assets | 0.5192% | 4,656 |
| Return on assets (ROA) | 0.5531% | 4,618 |
| Pretax return on assets | 0.7378% | 4,388 |
| Return on Equity (ROE) | 7.3520% | 3,383 |
| Retained earnings to average equity (ytd only) | 4.8471% | 2,700 |
| Net charge-offs to loans | 0.2369% | 2,557 |
| Credit loss provision to net charge-offs | 108.4906% | 2,216 |
| Earnings coverage of net charge-offs (x) | 8.0189% | 2,746 |
| Efficiency ratio | 79.4587% | 2,247 |
| Assets per employee ($millions) | 3.5461% | 4,812 |
| Cash dividends to net income (ytd only)* | 34.0716% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 5,446 |
| Loan loss allowance to noncurrent loans | 318.0000% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 4,698 |
| Noncurrent loans to loans | 0.3219% | 5,220 |
| Net loans and leases to total assets | 43.3607% | 5,729 |
| Net loans and leases to deposits | 46.8438% | 5,959 |
| Net loans and leases to core deposits | 54.0273% | 5,670 |
| Total domestic deposits to total assets | 92.5645% | 184 |
| Equity capital to assets | 7.2663% | 6,376 |
| Core capital (leverage) ratio | 7.9763% | 6,150 |
| Tier 1 risk-based capital ratio | 15.2591% | 3,512 |
| Total risk-based capital ratio | 16.1462% | 3,670 |
| Memoranda: | ||
| Average total assets | $106,125,000 | 4,587 |
| Average earning assets | $97,106,200 | 4,591 |
| Average equity | $7,984,200 | 5,339 |
| Average total loans | $44,753,200 | 5,158 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9313% | 4,384 |
| Cost of funding earning assets | 0.6083% | 2,745 |
| Net interest margin | 3.3230% | 4,556 |
| Noninterest income to average assets | 0.8045% | 2,117 |
| Noninterest expense to average assets | 3.0535% | 2,810 |
| Loan and lease loss provision to assets | 0.1056% | 2,995 |
| Net operating income to assets | 0.5142% | 4,743 |
| Return on assets (ROA) | 0.5594% | 4,684 |
| Pretax return on assets | 0.7480% | 4,494 |
| Return on Equity (ROE) | 7.3725% | 3,455 |
| Retained earnings to average equity (ytd only) | 6.5441% | 2,107 |
| Net charge-offs to loans | 0.3161% | 1,960 |
| Credit loss provision to net charge-offs | 80.0000% | 2,849 |
| Earnings coverage of net charge-offs (x) | 6.0094% | 3,051 |
| Efficiency ratio | 79.3791% | 2,211 |
| Assets per employee ($millions) | 3.7322% | 4,389 |
| Cash dividends to net income (ytd only)* | 11.2368% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 5,789 |
| Loan loss allowance to noncurrent loans | 298.0000% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 4,833 |
| Noncurrent loans to loans | 0.3304% | 5,393 |
| Net loans and leases to total assets | 43.0107% | 5,815 |
| Net loans and leases to deposits | 46.6246% | 6,057 |
| Net loans and leases to core deposits | 53.8720% | 5,770 |
| Total domestic deposits to total assets | 92.2490% | 214 |
| Equity capital to assets | 7.5300% | 6,383 |
| Core capital (leverage) ratio | 7.9807% | 6,236 |
| Tier 1 risk-based capital ratio | 15.5898% | 3,414 |
| Total risk-based capital ratio | 16.4580% | 3,579 |
| Memoranda: | ||
| Average total assets | $106,060,750 | 4,638 |
| Average earning assets | $97,099,250 | 4,638 |
| Average equity | $8,047,750 | 5,380 |
| Average total loans | $44,290,250 | 5,230 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 4,588 |
| Cost of funding earning assets | 0.6136% | 2,815 |
| Net interest margin | 3.2568% | 4,748 |
| Noninterest income to average assets | 0.7806% | 2,272 |
| Noninterest expense to average assets | 3.1019% | 2,656 |
| Loan and lease loss provision to assets | 0.0995% | 3,136 |
| Net operating income to assets | 0.4166% | 5,155 |
| Return on assets (ROA) | 0.4841% | 5,038 |
| Pretax return on assets | 0.6474% | 4,852 |
| Return on Equity (ROE) | 6.3646% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.3646% | 2,222 |
| Net charge-offs to loans | 0.0182% | 4,475 |
| Credit loss provision to net charge-offs | 1,325.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 518 |
| Efficiency ratio | 82.5262% | 1,819 |
| Assets per employee ($millions) | 3.5066% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,215 |
| Loan loss allowance to noncurrent loans | 190.7749% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 4,591 |
| Noncurrent loans to loans | 0.6054% | 4,742 |
| Net loans and leases to total assets | 42.0639% | 5,897 |
| Net loans and leases to deposits | 45.4774% | 6,139 |
| Net loans and leases to core deposits | 50.9376% | 5,968 |
| Total domestic deposits to total assets | 92.4941% | 185 |
| Equity capital to assets | 7.3462% | 6,495 |
| Core capital (leverage) ratio | 7.6816% | 6,376 |
| Tier 1 risk-based capital ratio | 15.3687% | 3,552 |
| Total risk-based capital ratio | 16.3695% | 3,663 |
| Memoranda: | ||
| Average total assets | $106,580,330 | 4,653 |
| Average earning assets | $97,458,000 | 4,660 |
| Average equity | $8,107,330 | 5,408 |
| Average total loans | $43,922,330 | 5,268 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,929 |
| Cost of funding earning assets | 0.6186% | 2,934 |
| Net interest margin | 3.1498% | 5,093 |
| Noninterest income to average assets | 0.8427% | 1,948 |
| Noninterest expense to average assets | 3.0129% | 2,948 |
| Loan and lease loss provision to assets | 0.1193% | 2,739 |
| Net operating income to assets | 0.4475% | 4,923 |
| Return on assets (ROA) | 0.5817% | 4,454 |
| Pretax return on assets | 0.7756% | 4,273 |
| Return on Equity (ROE) | 7.5208% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.5208% | 1,933 |
| Net charge-offs to loans | 0.0368% | 3,509 |
| Credit loss provision to net charge-offs | 800.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 694 |
| Efficiency ratio | 80.8000% | 2,208 |
| Assets per employee ($millions) | 3.7938% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 5,436 |
| Loan loss allowance to noncurrent loans | 158.9744% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 4,498 |
| Noncurrent loans to loans | 0.7185% | 4,692 |
| Net loans and leases to total assets | 39.0187% | 6,082 |
| Net loans and leases to deposits | 42.3579% | 6,298 |
| Net loans and leases to core deposits | 47.1778% | 6,139 |
| Total domestic deposits to total assets | 92.1168% | 227 |
| Equity capital to assets | 7.5696% | 6,568 |
| Core capital (leverage) ratio | 7.4969% | 6,470 |
| Tier 1 risk-based capital ratio | 15.2720% | 3,670 |
| Total risk-based capital ratio | 16.2208% | 3,820 |
| Memoranda: | ||
| Average total assets | $107,272,000 | 4,673 |
| Average earning assets | $98,293,000 | 4,676 |
| Average equity | $8,297,000 | 5,412 |
| Average total loans | $43,500,000 | 5,320 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 4,965 |
| Cost of funding earning assets | 0.7261% | 3,282 |
| Net interest margin | 3.3697% | 4,998 |
| Noninterest income to average assets | 0.9490% | 1,707 |
| Noninterest expense to average assets | 3.1783% | 2,685 |
| Loan and lease loss provision to assets | 0.4993% | 1,196 |
| Net operating income to assets | 0.2343% | 5,688 |
| Return on assets (ROA) | 0.2912% | 5,708 |
| Pretax return on assets | 0.4086% | 5,552 |
| Return on Equity (ROE) | 3.6360% | 5,297 |
| Retained earnings to average equity (ytd only) | 1.8478% | 4,920 |
| Net charge-offs to loans | 1.0015% | 1,091 |
| Credit loss provision to net charge-offs | 112.7155% | 2,584 |
| Earnings coverage of net charge-offs (x) | 1.8685% | 4,496 |
| Efficiency ratio | 79.3375% | 2,235 |
| Assets per employee ($millions) | 3.4842% | 5,036 |
| Cash dividends to net income (ytd only)* | 49.1803% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 5,660 |
| Loan loss allowance to noncurrent loans | 149.5208% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 4,454 |
| Noncurrent loans to loans | 0.7183% | 4,745 |
| Net loans and leases to total assets | 41.2418% | 6,076 |
| Net loans and leases to deposits | 44.9533% | 6,307 |
| Net loans and leases to core deposits | 50.3692% | 6,126 |
| Total domestic deposits to total assets | 91.7436% | 293 |
| Equity capital to assets | 7.9082% | 6,452 |
| Core capital (leverage) ratio | 7.7858% | 6,347 |
| Tier 1 risk-based capital ratio | 15.2107% | 3,605 |
| Total risk-based capital ratio | 16.1207% | 3,744 |
| Memoranda: | ||
| Average total assets | $104,741,600 | 4,715 |
| Average earning assets | $95,022,800 | 4,726 |
| Average equity | $8,388,400 | 5,394 |
| Average total loans | $46,332,200 | 5,234 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 5,041 |
| Cost of funding earning assets | 0.7509% | 3,346 |
| Net interest margin | 3.3895% | 5,070 |
| Noninterest income to average assets | 0.9644% | 1,622 |
| Noninterest expense to average assets | 3.0917% | 2,916 |
| Loan and lease loss provision to assets | 0.2112% | 2,956 |
| Net operating income to assets | 0.5246% | 4,734 |
| Return on assets (ROA) | 0.6005% | 4,654 |
| Pretax return on assets | 0.8410% | 4,333 |
| Return on Equity (ROE) | 7.4750% | 3,540 |
| Retained earnings to average equity (ytd only) | 7.4750% | 1,863 |
| Net charge-offs to loans | 0.1276% | 4,101 |
| Credit loss provision to net charge-offs | 368.8889% | 731 |
| Earnings coverage of net charge-offs (x) | 16.5107% | 1,688 |
| Efficiency ratio | 76.5837% | 2,587 |
| Assets per employee ($millions) | 3.4338% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 5,556 |
| Loan loss allowance to noncurrent loans | 40.2430% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 1.3794% | 3,537 |
| Noncurrent loans to loans | 2.8327% | 1,987 |
| Net loans and leases to total assets | 44.6178% | 5,916 |
| Net loans and leases to deposits | 48.9656% | 6,193 |
| Net loans and leases to core deposits | 53.8953% | 6,058 |
| Total domestic deposits to total assets | 91.1207% | 385 |
| Equity capital to assets | 8.4172% | 6,333 |
| Core capital (leverage) ratio | 8.0120% | 6,320 |
| Tier 1 risk-based capital ratio | 15.5090% | 3,530 |
| Total risk-based capital ratio | 16.5173% | 3,615 |
| Memoranda: | ||
| Average total assets | $104,795,750 | 4,755 |
| Average earning assets | $94,996,750 | 4,769 |
| Average equity | $8,419,000 | 5,435 |
| Average total loans | $47,021,250 | 5,269 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 4,866 |
| Cost of funding earning assets | 0.7711% | 3,438 |
| Net interest margin | 3.4521% | 4,871 |
| Noninterest income to average assets | 1.0115% | 1,437 |
| Noninterest expense to average assets | 3.1123% | 2,888 |
| Loan and lease loss provision to assets | 0.2562% | 2,530 |
| Net operating income to assets | 0.5595% | 4,541 |
| Return on assets (ROA) | 0.6775% | 4,251 |
| Pretax return on assets | 0.9204% | 4,001 |
| Return on Equity (ROE) | 8.5663% | 2,993 |
| Retained earnings to average equity (ytd only) | 8.5663% | 1,426 |
| Net charge-offs to loans | 0.1865% | 3,462 |
| Credit loss provision to net charge-offs | 306.8182% | 953 |
| Earnings coverage of net charge-offs (x) | 12.1818% | 1,900 |
| Efficiency ratio | 75.3676% | 2,840 |
| Assets per employee ($millions) | 3.6110% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 5,869 |
| Loan loss allowance to noncurrent loans | 54.2299% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.3616% | 3,711 |
| Noncurrent loans to loans | 1.9888% | 2,961 |
| Net loans and leases to total assets | 42.3327% | 6,169 |
| Net loans and leases to deposits | 46.1381% | 6,426 |
| Net loans and leases to core deposits | 53.3511% | 6,137 |
| Total domestic deposits to total assets | 91.7521% | 269 |
| Equity capital to assets | 7.8519% | 6,651 |
| Core capital (leverage) ratio | 7.7777% | 6,467 |
| Tier 1 risk-based capital ratio | 14.7342% | 3,943 |
| Total risk-based capital ratio | 15.6516% | 4,139 |
| Memoranda: | ||
| Average total assets | $105,389,330 | 4,763 |
| Average earning assets | $95,187,670 | 4,788 |
| Average equity | $8,335,000 | 5,471 |
| Average total loans | $47,197,330 | 5,298 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 4,029 |
| Cost of funding earning assets | 0.7971% | 3,498 |
| Net interest margin | 3.6725% | 3,950 |
| Noninterest income to average assets | 1.0008% | 1,421 |
| Noninterest expense to average assets | 3.2487% | 2,442 |
| Loan and lease loss provision to assets | 0.3734% | 1,691 |
| Net operating income to assets | 0.5375% | 4,663 |
| Return on assets (ROA) | 0.7929% | 3,651 |
| Pretax return on assets | 1.0008% | 3,671 |
| Return on Equity (ROE) | 9.9885% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.9885% | 1,272 |
| Net charge-offs to loans | 0.3444% | 2,272 |
| Credit loss provision to net charge-offs | 236.5854% | 1,196 |
| Earnings coverage of net charge-offs (x) | 6.6585% | 2,170 |
| Efficiency ratio | 75.5595% | 2,846 |
| Assets per employee ($millions) | 3.4511% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,264 |
| Loan loss allowance to noncurrent loans | 94.8980% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 4,709 |
| Noncurrent loans to loans | 1.0499% | 4,595 |
| Net loans and leases to total assets | 43.1887% | 6,082 |
| Net loans and leases to deposits | 46.9921% | 6,360 |
| Net loans and leases to core deposits | 53.5853% | 6,087 |
| Total domestic deposits to total assets | 91.9063% | 283 |
| Equity capital to assets | 7.7273% | 6,676 |
| Core capital (leverage) ratio | 7.6511% | 6,532 |
| Tier 1 risk-based capital ratio | 14.1624% | 4,349 |
| Total risk-based capital ratio | 14.9990% | 4,632 |
| Memoranda: | ||
| Average total assets | $103,919,000 | 4,833 |
| Average earning assets | $93,342,000 | 4,867 |
| Average equity | $8,249,500 | 5,517 |
| Average total loans | $47,616,500 | 5,311 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9523% | 3,100 |
| Cost of funding earning assets | 0.8795% | 4,256 |
| Net interest margin | 4.0728% | 2,557 |
| Noninterest income to average assets | 1.0415% | 1,250 |
| Noninterest expense to average assets | 3.7277% | 1,484 |
| Loan and lease loss provision to assets | 0.1026% | 5,303 |
| Net operating income to assets | 0.6436% | 3,768 |
| Return on assets (ROA) | 0.6809% | 3,766 |
| Pretax return on assets | 0.9130% | 3,567 |
| Return on Equity (ROE) | 8.2154% | 2,798 |
| Retained earnings to average equity (ytd only) | 6.3397% | 1,835 |
| Net charge-offs to loans | 0.1644% | 4,838 |
| Credit loss provision to net charge-offs | 122.2222% | 2,590 |
| Earnings coverage of net charge-offs (x) | 11.5062% | 1,714 |
| Efficiency ratio | 79.4215% | 2,383 |
| Assets per employee ($millions) | 3.1517% | 5,805 |
| Cash dividends to net income (ytd only)* | 22.8311% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 6,665 |
| Loan loss allowance to noncurrent loans | 66.1812% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.4199% | 3,863 |
| Noncurrent loans to loans | 1.2726% | 4,244 |
| Net loans and leases to total assets | 47.7462% | 5,850 |
| Net loans and leases to deposits | 52.2340% | 6,188 |
| Net loans and leases to core deposits | 59.1936% | 5,914 |
| Total domestic deposits to total assets | 91.4084% | 362 |
| Equity capital to assets | 8.1623% | 6,473 |
| Core capital (leverage) ratio | 8.0714% | 6,175 |
| Tier 1 risk-based capital ratio | 13.5607% | 4,653 |
| Total risk-based capital ratio | 14.2944% | 5,009 |
| Memoranda: | ||
| Average total assets | $96,493,200 | 4,993 |
| Average earning assets | $86,525,200 | 5,045 |
| Average equity | $7,997,200 | 5,571 |
| Average total loans | $49,277,400 | 5,294 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 3,105 |
| Cost of funding earning assets | 0.8961% | 4,426 |
| Net interest margin | 4.0987% | 2,485 |
| Noninterest income to average assets | 0.9028% | 1,635 |
| Noninterest expense to average assets | 3.5833% | 1,743 |
| Loan and lease loss provision to assets | 0.0741% | 5,523 |
| Net operating income to assets | 0.6574% | 3,836 |
| Return on assets (ROA) | 0.7044% | 3,764 |
| Pretax return on assets | 1.0006% | 3,401 |
| Return on Equity (ROE) | 8.4648% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.4648% | 1,327 |
| Net charge-offs to loans | 0.0135% | 5,960 |
| Credit loss provision to net charge-offs | 1,060.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 144.1244% | 264 |
| Efficiency ratio | 78.0518% | 2,539 |
| Assets per employee ($millions) | 3.0912% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 6,621 |
| Loan loss allowance to noncurrent loans | 41.8893% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 1.5862% | 3,712 |
| Noncurrent loans to loans | 2.1305% | 3,206 |
| Net loans and leases to total assets | 50.8755% | 5,600 |
| Net loans and leases to deposits | 56.1258% | 6,022 |
| Net loans and leases to core deposits | 62.8094% | 5,733 |
| Total domestic deposits to total assets | 90.6455% | 572 |
| Equity capital to assets | 8.6605% | 6,129 |
| Core capital (leverage) ratio | 8.2682% | 6,026 |
| Tier 1 risk-based capital ratio | 13.8998% | 4,417 |
| Total risk-based capital ratio | 14.7054% | 4,738 |
| Memoranda: | ||
| Average total assets | $95,403,000 | 5,063 |
| Average earning assets | $85,846,750 | 5,095 |
| Average equity | $7,938,500 | 5,618 |
| Average total loans | $49,456,000 | 5,327 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0070% | 3,122 |
| Cost of funding earning assets | 0.9010% | 4,663 |
| Net interest margin | 4.1060% | 2,387 |
| Noninterest income to average assets | 0.8776% | 1,726 |
| Noninterest expense to average assets | 3.5859% | 1,771 |
| Loan and lease loss provision to assets | 0.0441% | 5,763 |
| Net operating income to assets | 0.6843% | 3,632 |
| Return on assets (ROA) | 0.7579% | 3,383 |
| Pretax return on assets | 1.0413% | 3,072 |
| Return on Equity (ROE) | 9.2347% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.2347% | 1,041 |
| Net charge-offs to loans | 0.0727% | 4,920 |
| Credit loss provision to net charge-offs | 116.6667% | 2,631 |
| Earnings coverage of net charge-offs (x) | 26.0556% | 1,028 |
| Efficiency ratio | 78.4566% | 2,640 |
| Assets per employee ($millions) | 3.0422% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 6,835 |
| Loan loss allowance to noncurrent loans | 58.1979% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1803% | 4,529 |
| Noncurrent loans to loans | 1.4057% | 4,305 |
| Net loans and leases to total assets | 49.0688% | 5,942 |
| Net loans and leases to deposits | 53.8449% | 6,314 |
| Net loans and leases to core deposits | 59.8357% | 6,100 |
| Total domestic deposits to total assets | 91.1299% | 453 |
| Equity capital to assets | 8.3124% | 6,409 |
| Core capital (leverage) ratio | 7.9948% | 6,305 |
| Tier 1 risk-based capital ratio | 13.7236% | 4,363 |
| Total risk-based capital ratio | 14.4533% | 4,745 |
| Memoranda: | ||
| Average total assets | $95,262,000 | 5,096 |
| Average earning assets | $85,679,330 | 5,130 |
| Average equity | $7,818,330 | 5,667 |
| Average total loans | $49,544,330 | 5,378 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0552% | 2,829 |
| Cost of funding earning assets | 0.9157% | 4,811 |
| Net interest margin | 4.1395% | 2,121 |
| Noninterest income to average assets | 0.9000% | 1,667 |
| Noninterest expense to average assets | 3.4303% | 2,193 |
| Loan and lease loss provision to assets | 0.0425% | 5,460 |
| Net operating income to assets | 0.8447% | 2,801 |
| Return on assets (ROA) | 0.9934% | 2,254 |
| Pretax return on assets | 1.3543% | 1,869 |
| Return on Equity (ROE) | 12.1851% | 1,412 |
| Retained earnings to average equity (ytd only) | 12.1851% | 710 |
| Net charge-offs to loans | -0.0080% | 6,307 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1965% | 3,481 |
| Assets per employee ($millions) | 2.9120% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 6,920 |
| Loan loss allowance to noncurrent loans | 171.0638% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 5,461 |
| Noncurrent loans to loans | 0.4680% | 6,082 |
| Net loans and leases to total assets | 51.8325% | 5,601 |
| Net loans and leases to deposits | 56.6965% | 6,064 |
| Net loans and leases to core deposits | 61.9623% | 5,928 |
| Total domestic deposits to total assets | 91.4211% | 436 |
| Equity capital to assets | 8.0721% | 6,421 |
| Core capital (leverage) ratio | 7.8862% | 6,382 |
| Tier 1 risk-based capital ratio | 13.0621% | 4,781 |
| Total risk-based capital ratio | 13.7822% | 5,213 |
| Memoranda: | ||
| Average total assets | $94,218,500 | 5,163 |
| Average earning assets | $84,745,000 | 5,198 |
| Average equity | $7,681,500 | 5,713 |
| Average total loans | $50,235,500 | 5,382 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3398% | 2,935 |
| Cost of funding earning assets | 1.0267% | 5,554 |
| Net interest margin | 4.3131% | 1,780 |
| Noninterest income to average assets | 0.9422% | 1,696 |
| Noninterest expense to average assets | 3.8031% | 1,479 |
| Loan and lease loss provision to assets | 0.1012% | 6,136 |
| Net operating income to assets | 0.6487% | 3,446 |
| Return on assets (ROA) | 0.6487% | 3,594 |
| Pretax return on assets | 0.8763% | 3,388 |
| Return on Equity (ROE) | 7.9250% | 2,727 |
| Retained earnings to average equity (ytd only) | 7.9250% | 1,001 |
| Net charge-offs to loans | 0.1237% | 5,655 |
| Credit loss provision to net charge-offs | 150.8197% | 2,393 |
| Earnings coverage of net charge-offs (x) | 14.5738% | 1,330 |
| Efficiency ratio | 79.5538% | 2,471 |
| Assets per employee ($millions) | 2.9787% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 7,020 |
| Loan loss allowance to noncurrent loans | 65.8249% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 4,703 |
| Noncurrent loans to loans | 1.1819% | 4,742 |
| Net loans and leases to total assets | 54.0053% | 5,631 |
| Net loans and leases to deposits | 59.1355% | 6,142 |
| Net loans and leases to core deposits | 64.2576% | 6,030 |
| Total domestic deposits to total assets | 91.3245% | 448 |
| Equity capital to assets | 8.2369% | 6,222 |
| Core capital (leverage) ratio | 8.2693% | 5,725 |
| Tier 1 risk-based capital ratio | 12.7642% | 4,806 |
| Total risk-based capital ratio | 13.4712% | 5,245 |
| Memoranda: | ||
| Average total assets | $90,953,200 | 5,258 |
| Average earning assets | $80,939,800 | 5,309 |
| Average equity | $7,444,800 | 5,893 |
| Average total loans | $49,313,800 | 5,512 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3659% | 3,048 |
| Cost of funding earning assets | 1.0480% | 5,706 |
| Net interest margin | 4.3179% | 1,785 |
| Noninterest income to average assets | 0.9786% | 1,529 |
| Noninterest expense to average assets | 3.6847% | 1,601 |
| Loan and lease loss provision to assets | 0.1251% | 5,779 |
| Net operating income to assets | 0.7049% | 3,392 |
| Return on assets (ROA) | 0.7049% | 3,545 |
| Pretax return on assets | 1.0006% | 3,179 |
| Return on Equity (ROE) | 8.6252% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.6252% | 1,193 |
| Net charge-offs to loans | 0.1440% | 5,149 |
| Credit loss provision to net charge-offs | 160.3774% | 2,359 |
| Earnings coverage of net charge-offs (x) | 14.4349% | 1,517 |
| Efficiency ratio | 76.5983% | 2,832 |
| Assets per employee ($millions) | 2.8704% | 6,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 7,036 |
| Loan loss allowance to noncurrent loans | 337.9310% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 5,792 |
| Noncurrent loans to loans | 0.2324% | 6,714 |
| Net loans and leases to total assets | 55.6607% | 5,602 |
| Net loans and leases to deposits | 61.3008% | 6,184 |
| Net loans and leases to core deposits | 66.1732% | 6,108 |
| Total domestic deposits to total assets | 90.7993% | 522 |
| Equity capital to assets | 8.5815% | 6,181 |
| Core capital (leverage) ratio | 8.1267% | 6,155 |
| Tier 1 risk-based capital ratio | 12.6749% | 4,838 |
| Total risk-based capital ratio | 13.3895% | 5,291 |
| Memoranda: | ||
| Average total assets | $90,606,250 | 5,336 |
| Average earning assets | $80,407,000 | 5,392 |
| Average equity | $7,404,500 | 5,983 |
| Average total loans | $49,077,250 | 5,604 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3278% | 3,329 |
| Cost of funding earning assets | 1.0715% | 5,819 |
| Net interest margin | 4.2563% | 1,935 |
| Noninterest income to average assets | 1.0028% | 1,373 |
| Noninterest expense to average assets | 3.7149% | 1,530 |
| Loan and lease loss provision to assets | 0.1580% | 5,312 |
| Net operating income to assets | 0.6166% | 3,802 |
| Return on assets (ROA) | 0.6166% | 3,938 |
| Pretax return on assets | 0.9040% | 3,476 |
| Return on Equity (ROE) | 7.6699% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.6699% | 1,568 |
| Net charge-offs to loans | 0.0082% | 6,244 |
| Credit loss provision to net charge-offs | 3,600.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 242.0000% | 136 |
| Efficiency ratio | 77.7676% | 2,767 |
| Assets per employee ($millions) | 2.8362% | 6,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 6,823 |
| Loan loss allowance to noncurrent loans | 67.7165% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 5,740 |
| Noncurrent loans to loans | 1.3008% | 4,780 |
| Net loans and leases to total assets | 53.3143% | 6,074 |
| Net loans and leases to deposits | 58.4151% | 6,545 |
| Net loans and leases to core deposits | 62.3809% | 6,521 |
| Total domestic deposits to total assets | 91.2680% | 393 |
| Equity capital to assets | 8.1679% | 6,580 |
| Core capital (leverage) ratio | 7.6656% | 6,653 |
| Tier 1 risk-based capital ratio | 12.4215% | 4,927 |
| Total risk-based capital ratio | 13.2091% | 5,312 |
| Memoranda: | ||
| Average total assets | $91,147,670 | 5,350 |
| Average earning assets | $80,821,330 | 5,406 |
| Average equity | $7,327,330 | 6,025 |
| Average total loans | $48,796,330 | 5,651 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3906% | 3,079 |
| Cost of funding earning assets | 1.0791% | 5,999 |
| Net interest margin | 4.3115% | 1,653 |
| Noninterest income to average assets | 1.0641% | 1,124 |
| Noninterest expense to average assets | 3.4814% | 2,034 |
| Loan and lease loss provision to assets | 0.2233% | 4,262 |
| Net operating income to assets | 0.8714% | 2,668 |
| Return on assets (ROA) | 0.8714% | 2,751 |
| Pretax return on assets | 1.1911% | 2,390 |
| Return on Equity (ROE) | 10.9273% | 1,804 |
| Retained earnings to average equity (ytd only) | 10.9273% | 934 |
| Net charge-offs to loans | -0.0492% | 7,345 |
| Credit loss provision to net charge-offs | -850.0000% | 6,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1091% | 4,101 |
| Assets per employee ($millions) | 2.6879% | 6,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 7,005 |
| Loan loss allowance to noncurrent loans | 969.7674% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 7,311 |
| Noncurrent loans to loans | 0.0871% | 7,174 |
| Net loans and leases to total assets | 53.5491% | 6,085 |
| Net loans and leases to deposits | 58.6028% | 6,581 |
| Net loans and leases to core deposits | 64.4846% | 6,422 |
| Total domestic deposits to total assets | 91.3764% | 415 |
| Equity capital to assets | 8.0480% | 6,601 |
| Core capital (leverage) ratio | 7.5368% | 6,818 |
| Tier 1 risk-based capital ratio | 12.6119% | 4,634 |
| Total risk-based capital ratio | 13.3974% | 5,007 |
| Memoranda: | ||
| Average total assets | $91,342,500 | 5,409 |
| Average earning assets | $81,178,000 | 5,465 |
| Average equity | $7,284,500 | 6,089 |
| Average total loans | $48,786,000 | 5,723 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5092% | 4,097 |
| Cost of funding earning assets | 1.2352% | 6,525 |
| Net interest margin | 4.2740% | 1,803 |
| Noninterest income to average assets | 0.8552% | 2,160 |
| Noninterest expense to average assets | 3.6816% | 1,951 |
| Loan and lease loss provision to assets | -0.0610% | 7,978 |
| Net operating income to assets | 0.8098% | 2,497 |
| Return on assets (ROA) | 0.8098% | 2,581 |
| Pretax return on assets | 1.0727% | 2,333 |
| Return on Equity (ROE) | 10.5880% | 1,522 |
| Retained earnings to average equity (ytd only) | 10.5880% | 317 |
| Net charge-offs to loans | -0.0182% | 7,781 |
| Credit loss provision to net charge-offs | 687.5000% | 422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4448% | 3,123 |
| Assets per employee ($millions) | 2.8530% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 7,273 |
| Loan loss allowance to noncurrent loans | 52.9412% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 0.8007% | 5,504 |
| Noncurrent loans to loans | 1.4103% | 4,566 |
| Net loans and leases to total assets | 52.4196% | 6,374 |
| Net loans and leases to deposits | 57.2911% | 6,828 |
| Net loans and leases to core deposits | 73.6499% | 6,555 |
| Total domestic deposits to total assets | 91.4969% | 379 |
| Equity capital to assets | 7.9018% | 6,670 |
| Core capital (leverage) ratio | 7.6555% | 6,603 |
| Tier 1 risk-based capital ratio | 12.4288% | 4,572 |
| Total risk-based capital ratio | 13.1204% | 5,021 |
| Memoranda: | ||
| Average total assets | $90,149,800 | 5,385 |
| Average earning assets | $80,955,400 | 5,426 |
| Average equity | $6,894,600 | 6,302 |
| Average total loans | $43,845,600 | 5,938 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4781% | 4,530 |
| Cost of funding earning assets | 1.2822% | 6,615 |
| Net interest margin | 4.1959% | 2,079 |
| Noninterest income to average assets | 0.8264% | 2,305 |
| Noninterest expense to average assets | 3.4051% | 2,561 |
| Loan and lease loss provision to assets | -0.0861% | 8,065 |
| Net operating income to assets | 0.9466% | 2,245 |
| Return on assets (ROA) | 0.9466% | 2,308 |
| Pretax return on assets | 1.2849% | 1,990 |
| Return on Equity (ROE) | 12.4825% | 1,240 |
| Retained earnings to average equity (ytd only) | 12.4825% | 302 |
| Net charge-offs to loans | -0.0811% | 7,903 |
| Credit loss provision to net charge-offs | 223.0769% | 1,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9607% | 3,868 |
| Assets per employee ($millions) | 2.7061% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 7,124 |
| Loan loss allowance to noncurrent loans | 67.5676% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 5,732 |
| Noncurrent loans to loans | 1.1823% | 4,968 |
| Net loans and leases to total assets | 53.7750% | 6,406 |
| Net loans and leases to deposits | 59.0263% | 6,901 |
| Net loans and leases to core deposits | 72.5331% | 6,811 |
| Total domestic deposits to total assets | 91.1035% | 382 |
| Equity capital to assets | 8.3156% | 6,487 |
| Core capital (leverage) ratio | 7.7258% | 6,696 |
| Tier 1 risk-based capital ratio | 12.8996% | 4,270 |
| Total risk-based capital ratio | 13.6566% | 4,566 |
| Memoranda: | ||
| Average total assets | $89,863,250 | 5,430 |
| Average earning assets | $80,901,750 | 5,462 |
| Average equity | $6,814,750 | 6,389 |
| Average total loans | $42,752,750 | 6,033 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 5,120 |
| Cost of funding earning assets | 1.3229% | 6,723 |
| Net interest margin | 4.0833% | 2,381 |
| Noninterest income to average assets | 0.7916% | 2,456 |
| Noninterest expense to average assets | 3.2457% | 3,164 |
| Loan and lease loss provision to assets | 0.0396% | 6,839 |
| Net operating income to assets | 0.8290% | 2,739 |
| Return on assets (ROA) | 0.8290% | 2,833 |
| Pretax return on assets | 1.1918% | 2,323 |
| Return on Equity (ROE) | 11.2773% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.2773% | 523 |
| Net charge-offs to loans | -0.1161% | 7,971 |
| Credit loss provision to net charge-offs | -75.0000% | 6,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4951% | 4,313 |
| Assets per employee ($millions) | 2.6507% | 6,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 6,161 |
| Loan loss allowance to noncurrent loans | 81.6364% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7522% | 5,525 |
| Noncurrent loans to loans | 1.2366% | 4,740 |
| Net loans and leases to total assets | 50.3327% | 6,839 |
| Net loans and leases to deposits | 54.9863% | 7,222 |
| Net loans and leases to core deposits | 75.7415% | 6,695 |
| Total domestic deposits to total assets | 91.5367% | 313 |
| Equity capital to assets | 7.8631% | 6,900 |
| Core capital (leverage) ratio | 7.1773% | 7,381 |
| Tier 1 risk-based capital ratio | 12.4024% | 4,597 |
| Total risk-based capital ratio | 13.3041% | 4,790 |
| Memoranda: | ||
| Average total assets | $90,952,330 | 5,433 |
| Average earning assets | $82,090,330 | 5,462 |
| Average equity | $6,686,000 | 6,473 |
| Average total loans | $41,356,330 | 6,139 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2489% | 6,118 |
| Cost of funding earning assets | 1.4029% | 6,724 |
| Net interest margin | 3.8460% | 3,263 |
| Noninterest income to average assets | 0.7897% | 2,388 |
| Noninterest expense to average assets | 3.0725% | 3,477 |
| Loan and lease loss provision to assets | 0.0690% | 6,089 |
| Net operating income to assets | 0.8027% | 3,120 |
| Return on assets (ROA) | 0.8027% | 3,276 |
| Pretax return on assets | 1.1263% | 2,885 |
| Return on Equity (ROE) | 11.2898% | 1,889 |
| Retained earnings to average equity (ytd only) | 11.2898% | 925 |
| Net charge-offs to loans | -0.0804% | 7,828 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9919% | 4,193 |
| Assets per employee ($millions) | 2.7802% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 5,749 |
| Loan loss allowance to noncurrent loans | 78.3636% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 5,368 |
| Noncurrent loans to loans | 1.3524% | 4,285 |
| Net loans and leases to total assets | 43.8563% | 7,354 |
| Net loans and leases to deposits | 47.6391% | 7,593 |
| Net loans and leases to core deposits | 67.9605% | 7,135 |
| Total domestic deposits to total assets | 92.0595% | 177 |
| Equity capital to assets | 7.3606% | 7,447 |
| Core capital (leverage) ratio | 6.5783% | 7,848 |
| Tier 1 risk-based capital ratio | 12.4171% | 4,601 |
| Total risk-based capital ratio | 13.2835% | 4,823 |
| Memoranda: | ||
| Average total assets | $92,692,500 | 5,404 |
| Average earning assets | $83,827,500 | 5,433 |
| Average equity | $6,590,000 | 6,547 |
| Average total loans | $39,796,500 | 6,246 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9371% | 5,871 |
| Cost of funding earning assets | 2.1556% | 5,803 |
| Net interest margin | 3.7814% | 4,099 |
| Noninterest income to average assets | 0.7977% | 2,527 |
| Noninterest expense to average assets | 3.1485% | 3,521 |
| Loan and lease loss provision to assets | 0.1883% | 5,007 |
| Net operating income to assets | 0.6562% | 4,082 |
| Return on assets (ROA) | 0.6562% | 3,929 |
| Pretax return on assets | 0.9359% | 3,597 |
| Return on Equity (ROE) | 9.5894% | 2,404 |
| Retained earnings to average equity (ytd only) | 8.3683% | 740 |
| Net charge-offs to loans | 0.2320% | 3,920 |
| Credit loss provision to net charge-offs | 196.5116% | 2,494 |
| Earnings coverage of net charge-offs (x) | 11.7326% | 2,342 |
| Efficiency ratio | 73.6897% | 3,628 |
| Assets per employee ($millions) | 2.9263% | 6,231 |
| Cash dividends to net income (ytd only)* | 12.7334% | 4,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 5,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 7,137 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 41.1352% | 7,624 |
| Net loans and leases to deposits | 44.3665% | 7,836 |
| Net loans and leases to core deposits | 63.8874% | 7,449 |
| Total domestic deposits to total assets | 92.7168% | 72 |
| Equity capital to assets | 6.8635% | 7,798 |
| Core capital (leverage) ratio | 6.7590% | 7,831 |
| Tier 1 risk-based capital ratio | 12.2714% | 4,612 |
| Total risk-based capital ratio | 13.1050% | 4,839 |
| Memoranda: | ||
| Average total assets | $89,756,000 | 5,367 |
| Average earning assets | $82,481,800 | 5,348 |
| Average equity | $6,142,200 | 6,754 |
| Average total loans | $37,063,600 | 6,314 |