Home > Plaquemine Bank & Trust Company > Performance and Condition Ratios
Plaquemine Bank & Trust Company, 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 | 5.2843% | 2,547 |
| Cost of funding earning assets | 1.9541% | 2,061 |
| Net interest margin | 3.3302% | 2,710 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 2.3811% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8371% | 2,745 |
| Return on assets (ROA) | 0.8371% | 2,747 |
| Pretax return on assets | 1.0409% | 2,643 |
| Return on Equity (ROE) | 7.8600% | 2,891 |
| Retained earnings to average equity (ytd only) | 7.8558% | 1,723 |
| Net charge-offs to loans | 0.0091% | 1,912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 283.5000% | 320 |
| Efficiency ratio | 69.5815% | 1,867 |
| Assets per employee ($millions) | 7.1740% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 1,717 |
| Loan loss allowance to noncurrent loans | 28,900.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,785 |
| Noncurrent loans to loans | 0.0045% | 3,737 |
| Net loans and leases to total assets | 38.3400% | 4,024 |
| Net loans and leases to deposits | 43.0023% | 4,065 |
| Net loans and leases to core deposits | 48.1134% | 4,024 |
| Total domestic deposits to total assets | 89.1600% | 1,119 |
| Equity capital to assets | 10.2889% | 2,050 |
| Core capital (leverage) ratio | 11.1845% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4026% | 355 |
| Memoranda: | ||
| Average total assets | $217,885,500 | 2,904 |
| Average earning assets | $208,996,500 | 2,853 |
| Average equity | $23,218,500 | 2,813 |
| Average total loans | $87,664,500 | 3,343 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 2,763 |
| Cost of funding earning assets | 2.0585% | 2,080 |
| Net interest margin | 3.1256% | 2,885 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.6630% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.5939% | 3,251 |
| Return on assets (ROA) | 0.5939% | 3,263 |
| Pretax return on assets | 0.7257% | 3,201 |
| Return on Equity (ROE) | 5.3100% | 3,434 |
| Retained earnings to average equity (ytd only) | 4.0048% | 2,625 |
| Net charge-offs to loans | 0.1784% | 771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 9.4416% | 2,321 |
| Efficiency ratio | 78.5862% | 1,159 |
| Assets per employee ($millions) | 6.4439% | 2,531 |
| Cash dividends to net income (ytd only)* | 24.5378% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 1,492 |
| Loan loss allowance to noncurrent loans | 2,519.5652% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,552 |
| Noncurrent loans to loans | 0.0534% | 3,374 |
| Net loans and leases to total assets | 41.2200% | 3,972 |
| Net loans and leases to deposits | 46.6659% | 4,008 |
| Net loans and leases to core deposits | 51.7149% | 3,970 |
| Total domestic deposits to total assets | 88.3300% | 1,392 |
| Equity capital to assets | 11.0653% | 1,559 |
| Core capital (leverage) ratio | 12.7110% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7373% | 345 |
| Memoranda: | ||
| Average total assets | $200,372,000 | 2,998 |
| Average earning assets | $191,448,800 | 2,946 |
| Average equity | $22,423,200 | 2,808 |
| Average total loans | $86,346,800 | 3,351 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16,042.0000% | 36 |
| Cost of funding earning assets | 0.0000% | 4,453 |
| Net interest margin | 0.0000% | 4,479 |
| Noninterest income to average assets | 0.0000% | 4,470 |
| Noninterest expense to average assets | 0.0000% | 4,496 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 0.4953% | 3,514 |
| Pretax return on assets | 0.6033% | 3,467 |
| Return on Equity (ROE) | 4.4100% | 3,649 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 2.0000% | 70 |
| Credit loss provision to net charge-offs | 3.0000% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 0.0000% | 4,511 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 9.8860% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 272.0000% | 38 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 0.0000% | 4,481 |
| Equity capital to assets | 43,812.0000% | 29 |
| Core capital (leverage) ratio | 0.0000% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,000 | 4,532 |
| Average earning assets | $8,168 | 4,489 |
| Average equity | $0 | 4,479 |
| Average total loans | NA | NA |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 2,544 |
| Cost of funding earning assets | 1.9953% | 2,128 |
| Net interest margin | 3.2097% | 2,615 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 2.6964% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5155% | 3,393 |
| Return on assets (ROA) | 0.5155% | 3,420 |
| Pretax return on assets | 0.6286% | 3,387 |
| Return on Equity (ROE) | 4.6900% | 3,595 |
| Retained earnings to average equity (ytd only) | 4.6914% | 2,451 |
| Net charge-offs to loans | 0.3421% | 334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 4.2721% | 2,271 |
| Efficiency ratio | 81.0957% | 1,041 |
| Assets per employee ($millions) | 5.8048% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,499 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 42.7800% | 3,951 |
| Net loans and leases to deposits | 48.6261% | 3,994 |
| Net loans and leases to core deposits | 53.8852% | 3,960 |
| Total domestic deposits to total assets | 87.9700% | 1,340 |
| Equity capital to assets | 11.2944% | 1,428 |
| Core capital (leverage) ratio | 12.1756% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6146% | 390 |
| Memoranda: | ||
| Average total assets | $199,820,000 | 2,997 |
| Average earning assets | $190,546,000 | 2,949 |
| Average equity | $21,955,000 | 2,795 |
| Average total loans | $85,949,667 | 3,365 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 2,417 |
| Cost of funding earning assets | 1.8970% | 2,255 |
| Net interest margin | 3.2957% | 2,355 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 2.7337% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5989% | 3,150 |
| Return on assets (ROA) | 0.5989% | 3,177 |
| Pretax return on assets | 0.7342% | 3,076 |
| Return on Equity (ROE) | 5.5300% | 3,337 |
| Retained earnings to average equity (ytd only) | 5.5262% | 2,257 |
| Net charge-offs to loans | 0.1486% | 564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 11.5313% | 1,586 |
| Efficiency ratio | 78.8296% | 1,290 |
| Assets per employee ($millions) | 5.3091% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 1,036 |
| Loan loss allowance to noncurrent loans | 128,100.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,879 |
| Noncurrent loans to loans | 0.0012% | 3,821 |
| Net loans and leases to total assets | 41.2800% | 3,989 |
| Net loans and leases to deposits | 46.6175% | 4,027 |
| Net loans and leases to core deposits | 51.5634% | 4,045 |
| Total domestic deposits to total assets | 88.5500% | 1,237 |
| Equity capital to assets | 10.8524% | 1,558 |
| Core capital (leverage) ratio | 11.6142% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9731% | 386 |
| Memoranda: | ||
| Average total assets | $201,048,500 | 2,990 |
| Average earning assets | $191,883,500 | 2,945 |
| Average equity | $21,787,000 | 2,819 |
| Average total loans | $86,127,000 | 3,368 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 2,867 |
| Cost of funding earning assets | 1.4993% | 1,942 |
| Net interest margin | 3.1143% | 3,065 |
| Noninterest income to average assets | 1.5000% | 386 |
| Noninterest expense to average assets | 2.6241% | 1,939 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.3736% | 1,263 |
| Return on assets (ROA) | 1.3736% | 1,239 |
| Pretax return on assets | 1.7200% | 1,023 |
| Return on Equity (ROE) | 13.7100% | 1,555 |
| Retained earnings to average equity (ytd only) | 12.0262% | 625 |
| Net charge-offs to loans | 0.0262% | 1,796 |
| Credit loss provision to net charge-offs | 1,090.4762% | 386 |
| Earnings coverage of net charge-offs (x) | 175.0476% | 640 |
| Efficiency ratio | 58.7105% | 3,220 |
| Assets per employee ($millions) | 5.5654% | 3,189 |
| Cash dividends to net income (ytd only)* | 12.2807% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 1,058 |
| Loan loss allowance to noncurrent loans | 3,455.2632% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,614 |
| Noncurrent loans to loans | 0.0433% | 3,412 |
| Net loans and leases to total assets | 43.1200% | 3,932 |
| Net loans and leases to deposits | 48.6668% | 3,976 |
| Net loans and leases to core deposits | 53.6520% | 3,985 |
| Total domestic deposits to total assets | 88.5900% | 1,183 |
| Equity capital to assets | 10.8209% | 1,575 |
| Core capital (leverage) ratio | 12.4157% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5635% | 448 |
| Memoranda: | ||
| Average total assets | $199,190,000 | 2,998 |
| Average earning assets | $189,961,200 | 2,948 |
| Average equity | $19,956,400 | 2,859 |
| Average total loans | $80,200,600 | 3,403 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 2,754 |
| Cost of funding earning assets | 1.3952% | 1,881 |
| Net interest margin | 3.1748% | 2,973 |
| Noninterest income to average assets | 1.8600% | 307 |
| Noninterest expense to average assets | 2.5225% | 2,156 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.7516% | 724 |
| Return on assets (ROA) | 1.7516% | 710 |
| Pretax return on assets | 2.1934% | 561 |
| Return on Equity (ROE) | 17.8400% | 968 |
| Retained earnings to average equity (ytd only) | 17.6039% | 358 |
| Net charge-offs to loans | 0.0102% | 2,017 |
| Credit loss provision to net charge-offs | 4,166.6667% | 126 |
| Earnings coverage of net charge-offs (x) | 587.0000% | 264 |
| Efficiency ratio | 51.6541% | 3,782 |
| Assets per employee ($millions) | 5.5686% | 3,126 |
| Cash dividends to net income (ytd only)* | 1.3395% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 971 |
| Loan loss allowance to noncurrent loans | 3,967.6471% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 3,657 |
| Noncurrent loans to loans | 0.0392% | 3,484 |
| Net loans and leases to total assets | 43.7700% | 3,925 |
| Net loans and leases to deposits | 49.5025% | 3,957 |
| Net loans and leases to core deposits | 54.4443% | 3,912 |
| Total domestic deposits to total assets | 88.4300% | 1,434 |
| Equity capital to assets | 10.7378% | 1,458 |
| Core capital (leverage) ratio | 12.3704% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1775% | 423 |
| Memoranda: | ||
| Average total assets | $198,899,250 | 3,004 |
| Average earning assets | $189,695,000 | 2,951 |
| Average equity | $19,525,500 | 2,884 |
| Average total loans | $78,326,750 | 3,437 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 2,717 |
| Cost of funding earning assets | 1.2432% | 1,870 |
| Net interest margin | 3.2288% | 2,919 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.2714% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8011% | 3,075 |
| Return on assets (ROA) | 0.8011% | 3,082 |
| Pretax return on assets | 0.9899% | 2,944 |
| Return on Equity (ROE) | 8.4200% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.0491% | 1,943 |
| Net charge-offs to loans | 0.0185% | 1,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 141.5714% | 775 |
| Efficiency ratio | 69.6478% | 1,797 |
| Assets per employee ($millions) | 5.4272% | 3,212 |
| Cash dividends to net income (ytd only)* | 4.3641% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 1,667 |
| Loan loss allowance to noncurrent loans | 5,490.0000% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,747 |
| Noncurrent loans to loans | 0.0248% | 3,579 |
| Net loans and leases to total assets | 40.7200% | 4,018 |
| Net loans and leases to deposits | 45.5312% | 4,056 |
| Net loans and leases to core deposits | 49.5995% | 4,029 |
| Total domestic deposits to total assets | 89.4400% | 1,097 |
| Equity capital to assets | 9.9273% | 1,899 |
| Core capital (leverage) ratio | 11.1387% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8826% | 435 |
| Memoranda: | ||
| Average total assets | $200,232,333 | 3,001 |
| Average earning assets | $190,966,333 | 2,954 |
| Average equity | $19,058,000 | 2,942 |
| Average total loans | $75,547,000 | 3,481 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,705 |
| Cost of funding earning assets | 1.0590% | 1,865 |
| Net interest margin | 3.2805% | 2,925 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.2442% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8724% | 2,948 |
| Return on assets (ROA) | 0.8724% | 2,902 |
| Pretax return on assets | 1.0796% | 2,766 |
| Return on Equity (ROE) | 9.3600% | 2,954 |
| Retained earnings to average equity (ytd only) | 9.3599% | 1,850 |
| Net charge-offs to loans | -0.0110% | 3,873 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.5178% | 2,033 |
| Assets per employee ($millions) | 6.1181% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,339 |
| Loan loss allowance to noncurrent loans | 768.7500% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,084 |
| Noncurrent loans to loans | 0.1926% | 2,510 |
| Net loans and leases to total assets | 36.4900% | 4,174 |
| Net loans and leases to deposits | 40.5336% | 4,210 |
| Net loans and leases to core deposits | 44.2855% | 4,160 |
| Total domestic deposits to total assets | 90.0200% | 1,148 |
| Equity capital to assets | 9.5440% | 2,107 |
| Core capital (leverage) ratio | 10.7450% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3303% | 384 |
| Memoranda: | ||
| Average total assets | $202,658,500 | 3,024 |
| Average earning assets | $193,388,000 | 2,974 |
| Average equity | $18,889,000 | 2,988 |
| Average total loans | $72,989,500 | 3,558 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0955% | 3,995 |
| Cost of funding earning assets | 0.4967% | 1,407 |
| Net interest margin | 2.5988% | 4,174 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.2414% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4541% | 4,161 |
| Return on assets (ROA) | 0.4541% | 4,119 |
| Pretax return on assets | 0.5501% | 4,098 |
| Return on Equity (ROE) | 4.6700% | 4,069 |
| Retained earnings to average equity (ytd only) | 3.3447% | 3,611 |
| Net charge-offs to loans | 0.2101% | 395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 6.9935% | 2,319 |
| Efficiency ratio | 80.2928% | 695 |
| Assets per employee ($millions) | 6.1643% | 2,624 |
| Cash dividends to net income (ytd only)* | 28.3465% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,071 |
| Loan loss allowance to noncurrent loans | 756.8493% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,072 |
| Noncurrent loans to loans | 0.2050% | 2,467 |
| Net loans and leases to total assets | 34.4600% | 4,265 |
| Net loans and leases to deposits | 38.0994% | 4,288 |
| Net loans and leases to core deposits | 41.6637% | 4,239 |
| Total domestic deposits to total assets | 90.4500% | 1,171 |
| Equity capital to assets | 9.0989% | 2,300 |
| Core capital (leverage) ratio | 11.3700% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2546% | 325 |
| Memoranda: | ||
| Average total assets | $195,769,400 | 3,068 |
| Average earning assets | $187,237,000 | 3,017 |
| Average equity | $19,045,000 | 3,032 |
| Average total loans | $73,282,600 | 3,518 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8538% | 4,122 |
| Cost of funding earning assets | 0.4281% | 1,107 |
| Net interest margin | 2.4257% | 4,288 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.1981% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3858% | 4,262 |
| Return on assets (ROA) | 0.3858% | 4,210 |
| Pretax return on assets | 0.4677% | 4,189 |
| Return on Equity (ROE) | 3.9000% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.6567% | 3,564 |
| Net charge-offs to loans | -0.0126% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.4561% | 634 |
| Assets per employee ($millions) | 5.7537% | 2,984 |
| Cash dividends to net income (ytd only)* | 6.2389% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 804 |
| Loan loss allowance to noncurrent loans | 381.6265% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 2,412 |
| Noncurrent loans to loans | 0.4587% | 1,656 |
| Net loans and leases to total assets | 37.4500% | 4,166 |
| Net loans and leases to deposits | 41.5874% | 4,187 |
| Net loans and leases to core deposits | 46.0314% | 4,107 |
| Total domestic deposits to total assets | 90.0600% | 1,630 |
| Equity capital to assets | 9.4948% | 1,889 |
| Core capital (leverage) ratio | 11.0870% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2014% | 340 |
| Memoranda: | ||
| Average total assets | $193,856,500 | 3,101 |
| Average earning assets | $185,617,250 | 3,053 |
| Average equity | $19,179,000 | 3,064 |
| Average total loans | $73,802,500 | 3,522 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5806% | 4,292 |
| Cost of funding earning assets | 0.3722% | 1,100 |
| Net interest margin | 2.2084% | 4,419 |
| Noninterest income to average assets | 0.4109% | 2,687 |
| Noninterest expense to average assets | 2.1539% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3105% | 4,271 |
| Return on assets (ROA) | 0.3105% | 4,221 |
| Pretax return on assets | 0.3730% | 4,201 |
| Return on Equity (ROE) | 3.0977% | 4,200 |
| Retained earnings to average equity (ytd only) | 3.0977% | 3,414 |
| Net charge-offs to loans | 0.0539% | 854 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 18.2000% | 1,588 |
| Efficiency ratio | 85.2393% | 609 |
| Assets per employee ($millions) | 5.5098% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 1,021 |
| Loan loss allowance to noncurrent loans | 156.0453% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 1,374 |
| Noncurrent loans to loans | 1.0681% | 771 |
| Net loans and leases to total assets | 37.9068% | 4,172 |
| Net loans and leases to deposits | 42.1964% | 4,186 |
| Net loans and leases to core deposits | 47.0936% | 4,080 |
| Total domestic deposits to total assets | 89.8343% | 1,779 |
| Equity capital to assets | 9.7431% | 1,853 |
| Core capital (leverage) ratio | 10.6425% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1032% | 360 |
| Memoranda: | ||
| Average total assets | $195,184,333 | 3,123 |
| Average earning assets | $187,013,333 | 3,087 |
| Average equity | $19,562,667 | 3,103 |
| Average total loans | $74,277,000 | 3,545 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3683% | 4,403 |
| Cost of funding earning assets | 0.3586% | 1,142 |
| Net interest margin | 2.0096% | 4,508 |
| Noninterest income to average assets | 0.2546% | 3,619 |
| Noninterest expense to average assets | 2.0371% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1324% | 4,430 |
| Return on assets (ROA) | 0.1324% | 4,401 |
| Pretax return on assets | 0.1467% | 4,395 |
| Return on Equity (ROE) | 1.3033% | 4,373 |
| Retained earnings to average equity (ytd only) | 1.3033% | 3,747 |
| Net charge-offs to loans | -0.1886% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2836% | 412 |
| Assets per employee ($millions) | 6.0457% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 843 |
| Loan loss allowance to noncurrent loans | 116.9982% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 1,085 |
| Noncurrent loans to loans | 1.5593% | 517 |
| Net loans and leases to total assets | 34.9039% | 4,266 |
| Net loans and leases to deposits | 38.8074% | 4,290 |
| Net loans and leases to core deposits | 43.1233% | 4,198 |
| Total domestic deposits to total assets | 89.9413% | 1,598 |
| Equity capital to assets | 9.6728% | 2,158 |
| Core capital (leverage) ratio | 10.5356% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9498% | 435 |
| Memoranda: | ||
| Average total assets | $196,354,500 | 3,127 |
| Average earning assets | $188,493,000 | 3,089 |
| Average equity | $19,949,500 | 3,151 |
| Average total loans | $74,245,500 | 3,553 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8119% | 4,188 |
| Cost of funding earning assets | 0.4189% | 1,400 |
| Net interest margin | 2.3930% | 4,331 |
| Noninterest income to average assets | 1.1826% | 758 |
| Noninterest expense to average assets | 2.1977% | 3,096 |
| Loan and lease loss provision to assets | 0.2471% | 384 |
| Net operating income to assets | 0.8303% | 3,235 |
| Return on assets (ROA) | 0.8303% | 3,312 |
| Pretax return on assets | 1.0296% | 3,182 |
| Return on Equity (ROE) | 7.6365% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.2683% | 2,243 |
| Net charge-offs to loans | 0.0494% | 1,326 |
| Credit loss provision to net charge-offs | 1,150.0000% | 482 |
| Earnings coverage of net charge-offs (x) | 59.4250% | 1,182 |
| Efficiency ratio | 63.2555% | 2,674 |
| Assets per employee ($millions) | 6.2323% | 2,546 |
| Cash dividends to net income (ytd only)* | 17.9172% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 1,209 |
| Loan loss allowance to noncurrent loans | 108.3477% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 1,093 |
| Noncurrent loans to loans | 1.4982% | 605 |
| Net loans and leases to total assets | 39.4936% | 4,121 |
| Net loans and leases to deposits | 44.4148% | 4,155 |
| Net loans and leases to core deposits | 49.3060% | 4,041 |
| Total domestic deposits to total assets | 88.9198% | 1,556 |
| Equity capital to assets | 10.6630% | 2,038 |
| Core capital (leverage) ratio | 11.2813% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4898% | 419 |
| Memoranda: | ||
| Average total assets | $186,196,800 | 3,155 |
| Average earning assets | $178,314,800 | 3,107 |
| Average equity | $20,244,800 | 3,194 |
| Average total loans | $81,022,200 | 3,464 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9099% | 4,156 |
| Cost of funding earning assets | 0.4367% | 1,442 |
| Net interest margin | 2.4731% | 4,321 |
| Noninterest income to average assets | 1.5000% | 552 |
| Noninterest expense to average assets | 2.1541% | 3,212 |
| Loan and lease loss provision to assets | 0.3323% | 227 |
| Net operating income to assets | 1.1074% | 2,527 |
| Return on assets (ROA) | 1.1074% | 2,582 |
| Pretax return on assets | 1.3792% | 2,407 |
| Return on Equity (ROE) | 10.1342% | 2,690 |
| Retained earnings to average equity (ytd only) | 9.9026% | 1,355 |
| Net charge-offs to loans | 0.0684% | 961 |
| Credit loss provision to net charge-offs | 1,095.2381% | 491 |
| Earnings coverage of net charge-offs (x) | 56.3810% | 1,169 |
| Efficiency ratio | 55.7218% | 3,559 |
| Assets per employee ($millions) | 6.0911% | 2,595 |
| Cash dividends to net income (ytd only)* | 2.2846% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,427 |
| Loan loss allowance to noncurrent loans | 107.8970% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7935% | 898 |
| Noncurrent loans to loans | 1.4498% | 730 |
| Net loans and leases to total assets | 43.2872% | 4,001 |
| Net loans and leases to deposits | 49.3342% | 4,039 |
| Net loans and leases to core deposits | 53.0484% | 3,977 |
| Total domestic deposits to total assets | 87.7428% | 1,979 |
| Equity capital to assets | 11.5020% | 1,676 |
| Core capital (leverage) ratio | 11.3916% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8868% | 432 |
| Memoranda: | ||
| Average total assets | $184,445,750 | 3,210 |
| Average earning assets | $176,452,500 | 3,156 |
| Average equity | $20,155,750 | 3,234 |
| Average total loans | $81,887,500 | 3,488 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0474% | 3,962 |
| Cost of funding earning assets | 0.4586% | 1,463 |
| Net interest margin | 2.5888% | 4,187 |
| Noninterest income to average assets | 0.1913% | 4,246 |
| Noninterest expense to average assets | 2.1458% | 3,256 |
| Loan and lease loss provision to assets | 0.0108% | 2,723 |
| Net operating income to assets | 0.4216% | 4,342 |
| Return on assets (ROA) | 0.4216% | 4,387 |
| Pretax return on assets | 0.5124% | 4,370 |
| Return on Equity (ROE) | 3.9258% | 4,343 |
| Retained earnings to average equity (ytd only) | 3.5735% | 3,660 |
| Net charge-offs to loans | 0.1359% | 585 |
| Credit loss provision to net charge-offs | 17.8571% | 1,743 |
| Earnings coverage of net charge-offs (x) | 8.6429% | 1,872 |
| Efficiency ratio | 80.3969% | 759 |
| Assets per employee ($millions) | 6.1527% | 2,479 |
| Cash dividends to net income (ytd only)* | 8.9744% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 3,922 |
| Loan loss allowance to noncurrent loans | 66.9764% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8121% | 988 |
| Noncurrent loans to loans | 1.4503% | 794 |
| Net loans and leases to total assets | 43.7987% | 4,052 |
| Net loans and leases to deposits | 49.3797% | 4,144 |
| Net loans and leases to core deposits | 53.2191% | 4,066 |
| Total domestic deposits to total assets | 88.6976% | 1,456 |
| Equity capital to assets | 10.7877% | 2,158 |
| Core capital (leverage) ratio | 10.5547% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5514% | 511 |
| Memoranda: | ||
| Average total assets | $185,016,667 | 3,213 |
| Average earning assets | $177,069,000 | 3,158 |
| Average equity | $19,868,333 | 3,261 |
| Average total loans | $82,397,667 | 3,507 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1333% | 3,820 |
| Cost of funding earning assets | 0.4925% | 1,436 |
| Net interest margin | 2.6408% | 4,073 |
| Noninterest income to average assets | 0.2246% | 4,039 |
| Noninterest expense to average assets | 2.1702% | 3,198 |
| Loan and lease loss provision to assets | 0.0216% | 2,497 |
| Net operating income to assets | 0.4578% | 4,254 |
| Return on assets (ROA) | 0.4578% | 4,292 |
| Pretax return on assets | 0.5571% | 4,259 |
| Return on Equity (ROE) | 4.2728% | 4,233 |
| Retained earnings to average equity (ytd only) | 4.2728% | 3,428 |
| Net charge-offs to loans | 0.2319% | 366 |
| Credit loss provision to net charge-offs | 20.8333% | 1,419 |
| Earnings coverage of net charge-offs (x) | 5.5833% | 1,677 |
| Efficiency ratio | 78.9474% | 897 |
| Assets per employee ($millions) | 6.2097% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,936 |
| Loan loss allowance to noncurrent loans | 71.8386% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 1,145 |
| Noncurrent loans to loans | 1.3602% | 944 |
| Net loans and leases to total assets | 43.5735% | 4,142 |
| Net loans and leases to deposits | 49.0708% | 4,219 |
| Net loans and leases to core deposits | 52.6045% | 4,166 |
| Total domestic deposits to total assets | 88.7970% | 1,440 |
| Equity capital to assets | 10.6662% | 2,119 |
| Core capital (leverage) ratio | 10.5356% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8661% | 526 |
| Memoranda: | ||
| Average total assets | $185,234,500 | 3,204 |
| Average earning assets | $177,065,000 | 3,150 |
| Average equity | $19,846,500 | 3,250 |
| Average total loans | $82,778,000 | 3,512 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 3,832 |
| Cost of funding earning assets | 0.6895% | 1,774 |
| Net interest margin | 2.9013% | 4,104 |
| Noninterest income to average assets | 0.2719% | 3,849 |
| Noninterest expense to average assets | 2.2458% | 3,553 |
| Loan and lease loss provision to assets | 0.0851% | 3,308 |
| Net operating income to assets | 0.5789% | 3,817 |
| Return on assets (ROA) | 0.5789% | 3,922 |
| Pretax return on assets | 0.6992% | 3,882 |
| Return on Equity (ROE) | 5.2505% | 3,829 |
| Retained earnings to average equity (ytd only) | 3.8247% | 2,906 |
| Net charge-offs to loans | 0.0775% | 1,702 |
| Credit loss provision to net charge-offs | 217.3913% | 2,083 |
| Earnings coverage of net charge-offs (x) | 20.0290% | 1,952 |
| Efficiency ratio | 74.1150% | 1,427 |
| Assets per employee ($millions) | 6.1393% | 2,222 |
| Cash dividends to net income (ytd only)* | 27.1569% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,847 |
| Loan loss allowance to noncurrent loans | 76.0653% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 1,439 |
| Noncurrent loans to loans | 1.3197% | 1,030 |
| Net loans and leases to total assets | 44.9253% | 4,197 |
| Net loans and leases to deposits | 50.6740% | 4,279 |
| Net loans and leases to core deposits | 53.7495% | 4,266 |
| Total domestic deposits to total assets | 88.6556% | 1,140 |
| Equity capital to assets | 10.7629% | 2,468 |
| Core capital (leverage) ratio | 11.2685% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9610% | 440 |
| Memoranda: | ||
| Average total assets | $176,193,000 | 3,141 |
| Average earning assets | $167,513,400 | 3,095 |
| Average equity | $19,426,600 | 3,239 |
| Average total loans | $88,992,400 | 3,412 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 3,551 |
| Cost of funding earning assets | 0.7251% | 1,875 |
| Net interest margin | 3.0809% | 3,787 |
| Noninterest income to average assets | 0.2694% | 3,857 |
| Noninterest expense to average assets | 2.2801% | 3,471 |
| Loan and lease loss provision to assets | 0.0919% | 3,168 |
| Net operating income to assets | 0.6781% | 3,526 |
| Return on assets (ROA) | 0.6781% | 3,640 |
| Pretax return on assets | 0.8213% | 3,590 |
| Return on Equity (ROE) | 6.1120% | 3,519 |
| Retained earnings to average equity (ytd only) | 5.8706% | 2,159 |
| Net charge-offs to loans | 0.1092% | 1,246 |
| Credit loss provision to net charge-offs | 162.1622% | 2,254 |
| Earnings coverage of net charge-offs (x) | 16.1216% | 2,066 |
| Efficiency ratio | 71.4046% | 1,709 |
| Assets per employee ($millions) | 5.9916% | 2,272 |
| Cash dividends to net income (ytd only)* | 3.9503% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,104 |
| Loan loss allowance to noncurrent loans | 72.1724% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 1,232 |
| Noncurrent loans to loans | 1.2331% | 1,235 |
| Net loans and leases to total assets | 51.5297% | 3,994 |
| Net loans and leases to deposits | 58.7179% | 4,132 |
| Net loans and leases to core deposits | 62.5890% | 4,074 |
| Total domestic deposits to total assets | 87.7581% | 1,317 |
| Equity capital to assets | 11.4505% | 2,051 |
| Core capital (leverage) ratio | 11.1306% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2040% | 500 |
| Memoranda: | ||
| Average total assets | $174,196,500 | 3,140 |
| Average earning assets | $165,314,500 | 3,100 |
| Average equity | $19,327,500 | 3,248 |
| Average total loans | $90,345,000 | 3,407 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 3,273 |
| Cost of funding earning assets | 0.7500% | 2,122 |
| Net interest margin | 3.2699% | 3,464 |
| Noninterest income to average assets | 0.2891% | 3,732 |
| Noninterest expense to average assets | 2.2897% | 3,547 |
| Loan and lease loss provision to assets | 0.1032% | 2,981 |
| Net operating income to assets | 0.8202% | 2,973 |
| Return on assets (ROA) | 0.8202% | 3,091 |
| Pretax return on assets | 0.9969% | 3,043 |
| Return on Equity (ROE) | 7.4720% | 2,945 |
| Retained earnings to average equity (ytd only) | 7.4720% | 1,474 |
| Net charge-offs to loans | 0.1682% | 885 |
| Credit loss provision to net charge-offs | 118.4211% | 2,294 |
| Earnings coverage of net charge-offs (x) | 12.6184% | 2,042 |
| Efficiency ratio | 67.5465% | 2,299 |
| Assets per employee ($millions) | 6.2101% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 4,310 |
| Loan loss allowance to noncurrent loans | 67.5416% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.9106% | 1,346 |
| Noncurrent loans to loans | 1.2063% | 1,302 |
| Net loans and leases to total assets | 52.1850% | 4,018 |
| Net loans and leases to deposits | 59.1424% | 4,161 |
| Net loans and leases to core deposits | 62.8920% | 4,137 |
| Total domestic deposits to total assets | 88.2361% | 1,070 |
| Equity capital to assets | 10.9931% | 2,346 |
| Core capital (leverage) ratio | 10.8951% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0182% | 581 |
| Memoranda: | ||
| Average total assets | $174,343,333 | 3,125 |
| Average earning assets | $165,326,000 | 3,088 |
| Average equity | $19,138,000 | 3,258 |
| Average total loans | $90,346,667 | 3,405 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 4,046 |
| Cost of funding earning assets | 0.8031% | 2,378 |
| Net interest margin | 3.0912% | 4,116 |
| Noninterest income to average assets | 0.2193% | 4,235 |
| Noninterest expense to average assets | 2.3421% | 3,677 |
| Loan and lease loss provision to assets | 0.1400% | 1,987 |
| Net operating income to assets | 0.5365% | 3,782 |
| Return on assets (ROA) | 0.5365% | 3,844 |
| Pretax return on assets | 0.6555% | 3,798 |
| Return on Equity (ROE) | 4.8915% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.8915% | 2,324 |
| Net charge-offs to loans | 0.2632% | 554 |
| Credit loss provision to net charge-offs | 103.4483% | 1,792 |
| Earnings coverage of net charge-offs (x) | 5.8793% | 2,019 |
| Efficiency ratio | 74.6468% | 1,731 |
| Assets per employee ($millions) | 5.6365% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 4,191 |
| Loan loss allowance to noncurrent loans | 62.7063% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 1,640 |
| Noncurrent loans to loans | 1.4005% | 1,137 |
| Net loans and leases to total assets | 49.0946% | 4,284 |
| Net loans and leases to deposits | 55.7768% | 4,376 |
| Net loans and leases to core deposits | 59.1795% | 4,392 |
| Total domestic deposits to total assets | 88.0198% | 1,099 |
| Equity capital to assets | 10.8384% | 3,004 |
| Core capital (leverage) ratio | 11.1298% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3988% | 705 |
| Memoranda: | ||
| Average total assets | $171,468,000 | 3,121 |
| Average earning assets | $161,880,000 | 3,090 |
| Average equity | $18,808,000 | 3,290 |
| Average total loans | $88,143,000 | 3,439 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 3,391 |
| Cost of funding earning assets | 0.8416% | 2,480 |
| Net interest margin | 3.5087% | 3,420 |
| Noninterest income to average assets | 0.2933% | 3,932 |
| Noninterest expense to average assets | 2.6848% | 2,930 |
| Loan and lease loss provision to assets | 0.1313% | 1,625 |
| Net operating income to assets | 0.6523% | 4,012 |
| Return on assets (ROA) | 0.6523% | 4,085 |
| Pretax return on assets | 0.7936% | 3,983 |
| Return on Equity (ROE) | 5.7071% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.3282% | 2,799 |
| Net charge-offs to loans | 0.0965% | 1,758 |
| Credit loss provision to net charge-offs | 244.1860% | 1,109 |
| Earnings coverage of net charge-offs (x) | 17.1977% | 2,122 |
| Efficiency ratio | 74.3763% | 1,561 |
| Assets per employee ($millions) | 5.2564% | 2,282 |
| Cash dividends to net income (ytd only)* | 24.1611% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 4,169 |
| Loan loss allowance to noncurrent loans | 59.5444% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 1,262 |
| Noncurrent loans to loans | 1.4185% | 1,037 |
| Net loans and leases to total assets | 52.9024% | 4,156 |
| Net loans and leases to deposits | 59.9815% | 4,289 |
| Net loans and leases to core deposits | 63.5939% | 4,297 |
| Total domestic deposits to total assets | 88.1978% | 1,034 |
| Equity capital to assets | 11.1042% | 2,904 |
| Core capital (leverage) ratio | 11.7963% | 1,898 |
| Tier 1 risk-based capital ratio | 19.3599% | 1,445 |
| Total risk-based capital ratio | 20.1465% | 1,507 |
| Memoranda: | ||
| Average total assets | $159,901,800 | 3,203 |
| Average earning assets | $151,140,600 | 3,165 |
| Average equity | $18,275,600 | 3,312 |
| Average total loans | $89,111,000 | 3,417 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4362% | 3,246 |
| Cost of funding earning assets | 0.8454% | 2,487 |
| Net interest margin | 3.5908% | 3,274 |
| Noninterest income to average assets | 0.2855% | 4,025 |
| Noninterest expense to average assets | 2.7169% | 2,821 |
| Loan and lease loss provision to assets | 0.1267% | 1,527 |
| Net operating income to assets | 0.6606% | 4,131 |
| Return on assets (ROA) | 0.6606% | 4,187 |
| Pretax return on assets | 0.8363% | 4,043 |
| Return on Equity (ROE) | 5.7367% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.4799% | 2,633 |
| Net charge-offs to loans | 0.1199% | 1,300 |
| Credit loss provision to net charge-offs | 187.5000% | 1,392 |
| Earnings coverage of net charge-offs (x) | 14.2505% | 2,252 |
| Efficiency ratio | 73.8292% | 1,596 |
| Assets per employee ($millions) | 4.6881% | 2,932 |
| Cash dividends to net income (ytd only)* | 4.4761% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7882% | 4,445 |
| Loan loss allowance to noncurrent loans | 64.8250% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 1,461 |
| Noncurrent loans to loans | 1.2159% | 1,293 |
| Net loans and leases to total assets | 55.5917% | 4,071 |
| Net loans and leases to deposits | 63.5833% | 4,204 |
| Net loans and leases to core deposits | 67.5584% | 4,191 |
| Total domestic deposits to total assets | 87.4313% | 1,291 |
| Equity capital to assets | 11.7048% | 2,498 |
| Core capital (leverage) ratio | 11.5677% | 2,169 |
| Tier 1 risk-based capital ratio | 19.5802% | 1,442 |
| Total risk-based capital ratio | 20.3209% | 1,525 |
| Memoranda: | ||
| Average total assets | $157,825,750 | 3,254 |
| Average earning assets | $149,191,750 | 3,211 |
| Average equity | $18,175,000 | 3,343 |
| Average total loans | $88,953,000 | 3,460 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 3,269 |
| Cost of funding earning assets | 0.8340% | 2,485 |
| Net interest margin | 3.5888% | 3,294 |
| Noninterest income to average assets | 0.2746% | 4,101 |
| Noninterest expense to average assets | 2.7221% | 2,833 |
| Loan and lease loss provision to assets | 0.1144% | 1,640 |
| Net operating income to assets | 0.6561% | 4,145 |
| Return on assets (ROA) | 0.6561% | 4,194 |
| Pretax return on assets | 0.8302% | 4,023 |
| Return on Equity (ROE) | 5.7288% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.7288% | 2,402 |
| Net charge-offs to loans | 0.1644% | 972 |
| Credit loss provision to net charge-offs | 123.2877% | 1,713 |
| Earnings coverage of net charge-offs (x) | 10.1781% | 2,283 |
| Efficiency ratio | 74.2372% | 1,615 |
| Assets per employee ($millions) | 4.6455% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 4,666 |
| Loan loss allowance to noncurrent loans | 73.8933% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 1,748 |
| Noncurrent loans to loans | 0.9753% | 1,679 |
| Net loans and leases to total assets | 56.7773% | 4,027 |
| Net loans and leases to deposits | 64.8459% | 4,176 |
| Net loans and leases to core deposits | 69.0548% | 4,149 |
| Total domestic deposits to total assets | 87.5572% | 1,307 |
| Equity capital to assets | 11.6729% | 2,468 |
| Core capital (leverage) ratio | 11.6239% | 2,077 |
| Tier 1 risk-based capital ratio | 18.7104% | 1,621 |
| Total risk-based capital ratio | 19.3731% | 1,728 |
| Memoranda: | ||
| Average total assets | $157,302,330 | 3,274 |
| Average earning assets | $148,686,000 | 3,236 |
| Average equity | $18,014,330 | 3,351 |
| Average total loans | $88,832,330 | 3,484 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 3,439 |
| Cost of funding earning assets | 0.7947% | 2,565 |
| Net interest margin | 3.5423% | 3,453 |
| Noninterest income to average assets | 0.3058% | 3,834 |
| Noninterest expense to average assets | 2.7570% | 2,717 |
| Loan and lease loss provision to assets | 0.1147% | 1,540 |
| Net operating income to assets | 0.6192% | 4,183 |
| Return on assets (ROA) | 0.6192% | 4,225 |
| Pretax return on assets | 0.7848% | 4,077 |
| Return on Equity (ROE) | 5.4598% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.4598% | 2,710 |
| Net charge-offs to loans | 0.2134% | 660 |
| Credit loss provision to net charge-offs | 95.7447% | 1,662 |
| Earnings coverage of net charge-offs (x) | 7.5106% | 2,131 |
| Efficiency ratio | 75.4007% | 1,567 |
| Assets per employee ($millions) | 4.7856% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 4,758 |
| Loan loss allowance to noncurrent loans | 71.7367% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.8852% | 1,592 |
| Noncurrent loans to loans | 0.9923% | 1,689 |
| Net loans and leases to total assets | 55.8198% | 4,077 |
| Net loans and leases to deposits | 63.4421% | 4,217 |
| Net loans and leases to core deposits | 67.5013% | 4,207 |
| Total domestic deposits to total assets | 87.9855% | 1,343 |
| Equity capital to assets | 11.4009% | 2,486 |
| Core capital (leverage) ratio | 11.5011% | 2,132 |
| Tier 1 risk-based capital ratio | 18.7476% | 1,601 |
| Total risk-based capital ratio | 19.4020% | 1,712 |
| Memoranda: | ||
| Average total assets | $156,980,000 | 3,322 |
| Average earning assets | $148,493,000 | 3,282 |
| Average equity | $17,803,000 | 3,368 |
| Average total loans | $88,084,000 | 3,534 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 3,668 |
| Cost of funding earning assets | 0.5892% | 2,796 |
| Net interest margin | 3.5351% | 3,588 |
| Noninterest income to average assets | 0.3369% | 3,863 |
| Noninterest expense to average assets | 2.7165% | 2,973 |
| Loan and lease loss provision to assets | 0.1063% | 2,074 |
| Net operating income to assets | 0.6938% | 4,151 |
| Return on assets (ROA) | 0.6938% | 4,156 |
| Pretax return on assets | 0.8458% | 4,049 |
| Return on Equity (ROE) | 6.2598% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.7951% | 2,895 |
| Net charge-offs to loans | 0.1617% | 1,190 |
| Credit loss provision to net charge-offs | 116.1972% | 2,232 |
| Earnings coverage of net charge-offs (x) | 10.4085% | 2,721 |
| Efficiency ratio | 74.0474% | 1,623 |
| Assets per employee ($millions) | 4.5892% | 3,036 |
| Cash dividends to net income (ytd only)* | 23.3983% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 4,746 |
| Loan loss allowance to noncurrent loans | 62.9593% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 1,400 |
| Noncurrent loans to loans | 1.1524% | 1,394 |
| Net loans and leases to total assets | 55.5956% | 4,160 |
| Net loans and leases to deposits | 63.0070% | 4,314 |
| Net loans and leases to core deposits | 66.9434% | 4,301 |
| Total domestic deposits to total assets | 88.2372% | 1,188 |
| Equity capital to assets | 11.2802% | 2,435 |
| Core capital (leverage) ratio | 12.1172% | 1,658 |
| Tier 1 risk-based capital ratio | 18.7393% | 1,561 |
| Total risk-based capital ratio | 19.4044% | 1,663 |
| Memoranda: | ||
| Average total assets | $155,234,000 | 3,329 |
| Average earning assets | $146,306,000 | 3,297 |
| Average equity | $17,205,000 | 3,373 |
| Average total loans | $87,810,800 | 3,516 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 3,664 |
| Cost of funding earning assets | 0.5485% | 2,868 |
| Net interest margin | 3.5429% | 3,545 |
| Noninterest income to average assets | 0.3165% | 4,034 |
| Noninterest expense to average assets | 2.6626% | 3,091 |
| Loan and lease loss provision to assets | 0.1032% | 1,944 |
| Net operating income to assets | 0.7026% | 4,216 |
| Return on assets (ROA) | 0.7026% | 4,225 |
| Pretax return on assets | 0.8893% | 4,057 |
| Return on Equity (ROE) | 6.3680% | 4,150 |
| Retained earnings to average equity (ytd only) | 6.0952% | 2,611 |
| Net charge-offs to loans | 0.1350% | 1,198 |
| Credit loss provision to net charge-offs | 134.8315% | 1,844 |
| Earnings coverage of net charge-offs (x) | 12.9667% | 2,408 |
| Efficiency ratio | 72.8471% | 1,759 |
| Assets per employee ($millions) | 4.7082% | 2,837 |
| Cash dividends to net income (ytd only)* | 4.2844% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7075% | 4,862 |
| Loan loss allowance to noncurrent loans | 52.1951% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.2000% | 1,165 |
| Noncurrent loans to loans | 1.3554% | 1,229 |
| Net loans and leases to total assets | 59.8065% | 3,864 |
| Net loans and leases to deposits | 68.1045% | 4,051 |
| Net loans and leases to core deposits | 72.5121% | 4,043 |
| Total domestic deposits to total assets | 87.8157% | 1,328 |
| Equity capital to assets | 11.5757% | 2,205 |
| Core capital (leverage) ratio | 11.6910% | 2,015 |
| Tier 1 risk-based capital ratio | 17.9952% | 1,800 |
| Total risk-based capital ratio | 18.6435% | 1,918 |
| Memoranda: | ||
| Average total assets | $155,034,000 | 3,361 |
| Average earning assets | $146,091,750 | 3,334 |
| Average equity | $17,106,000 | 3,415 |
| Average total loans | $87,918,000 | 3,547 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 3,799 |
| Cost of funding earning assets | 0.5016% | 2,999 |
| Net interest margin | 3.4936% | 3,652 |
| Noninterest income to average assets | 0.3080% | 4,109 |
| Noninterest expense to average assets | 2.6251% | 3,243 |
| Loan and lease loss provision to assets | 0.0959% | 2,013 |
| Net operating income to assets | 0.6952% | 4,206 |
| Return on assets (ROA) | 0.6952% | 4,211 |
| Pretax return on assets | 0.8806% | 4,024 |
| Return on Equity (ROE) | 6.4020% | 4,099 |
| Retained earnings to average equity (ytd only) | 6.4020% | 2,360 |
| Net charge-offs to loans | 0.0299% | 2,264 |
| Credit loss provision to net charge-offs | 576.9231% | 643 |
| Earnings coverage of net charge-offs (x) | 58.7692% | 1,012 |
| Efficiency ratio | 72.8886% | 1,865 |
| Assets per employee ($millions) | 4.6644% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 4,822 |
| Loan loss allowance to noncurrent loans | 61.0708% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1161% | 1,321 |
| Noncurrent loans to loans | 1.2321% | 1,406 |
| Net loans and leases to total assets | 57.6693% | 4,023 |
| Net loans and leases to deposits | 65.3840% | 4,199 |
| Net loans and leases to core deposits | 69.2353% | 4,191 |
| Total domestic deposits to total assets | 88.2008% | 1,274 |
| Equity capital to assets | 11.1885% | 2,465 |
| Core capital (leverage) ratio | 11.3745% | 2,180 |
| Tier 1 risk-based capital ratio | 17.7512% | 1,873 |
| Total risk-based capital ratio | 18.4306% | 1,988 |
| Memoranda: | ||
| Average total assets | $156,491,670 | 3,360 |
| Average earning assets | $147,529,000 | 3,327 |
| Average equity | $16,994,670 | 3,444 |
| Average total loans | $86,975,000 | 3,583 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 4,036 |
| Cost of funding earning assets | 0.4560% | 3,159 |
| Net interest margin | 3.4069% | 3,862 |
| Noninterest income to average assets | 0.4513% | 3,099 |
| Noninterest expense to average assets | 2.7508% | 2,870 |
| Loan and lease loss provision to assets | 0.0761% | 2,241 |
| Net operating income to assets | 0.6668% | 4,219 |
| Return on assets (ROA) | 0.6668% | 4,223 |
| Pretax return on assets | 0.8442% | 4,036 |
| Return on Equity (ROE) | 6.2319% | 4,087 |
| Retained earnings to average equity (ytd only) | 6.2319% | 2,614 |
| Net charge-offs to loans | 0.0886% | 1,274 |
| Credit loss provision to net charge-offs | 157.8947% | 1,200 |
| Earnings coverage of net charge-offs (x) | 19.1053% | 1,516 |
| Efficiency ratio | 74.9309% | 1,754 |
| Assets per employee ($millions) | 4.3566% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7154% | 4,999 |
| Loan loss allowance to noncurrent loans | 47.6628% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 1,263 |
| Noncurrent loans to loans | 1.5009% | 1,174 |
| Net loans and leases to total assets | 55.0405% | 4,205 |
| Net loans and leases to deposits | 62.0829% | 4,334 |
| Net loans and leases to core deposits | 65.8492% | 4,318 |
| Total domestic deposits to total assets | 88.6565% | 1,280 |
| Equity capital to assets | 10.8143% | 2,757 |
| Core capital (leverage) ratio | 10.9569% | 2,485 |
| Tier 1 risk-based capital ratio | 17.9087% | 1,862 |
| Total risk-based capital ratio | 18.5524% | 1,985 |
| Memoranda: | ||
| Average total assets | $157,774,500 | 3,388 |
| Average earning assets | $149,107,000 | 3,345 |
| Average equity | $16,881,000 | 3,489 |
| Average total loans | $85,742,000 | 3,632 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 4,252 |
| Cost of funding earning assets | 0.4496% | 2,781 |
| Net interest margin | 3.2862% | 4,198 |
| Noninterest income to average assets | 0.3019% | 4,294 |
| Noninterest expense to average assets | 2.4961% | 3,797 |
| Loan and lease loss provision to assets | 0.0954% | 2,298 |
| Net operating income to assets | 0.6031% | 3,995 |
| Return on assets (ROA) | 0.6031% | 4,031 |
| Pretax return on assets | 0.8018% | 4,233 |
| Return on Equity (ROE) | 5.5090% | 3,959 |
| Retained earnings to average equity (ytd only) | 3.7848% | 2,956 |
| Net charge-offs to loans | 0.1576% | 1,545 |
| Credit loss provision to net charge-offs | 114.1732% | 2,294 |
| Earnings coverage of net charge-offs (x) | 10.7402% | 2,641 |
| Efficiency ratio | 73.5608% | 1,964 |
| Assets per employee ($millions) | 4.5346% | 3,137 |
| Cash dividends to net income (ytd only)* | 31.2977% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 5,023 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 2,422 |
| Noncurrent loans to loans | 0.4448% | 3,186 |
| Net loans and leases to total assets | 52.8801% | 4,451 |
| Net loans and leases to deposits | 59.4251% | 4,601 |
| Net loans and leases to core deposits | 62.9664% | 4,601 |
| Total domestic deposits to total assets | 88.9862% | 1,008 |
| Equity capital to assets | 10.5860% | 3,067 |
| Core capital (leverage) ratio | 11.6341% | 1,845 |
| Tier 1 risk-based capital ratio | 18.3101% | 1,713 |
| Total risk-based capital ratio | 18.9667% | 1,830 |
| Memoranda: | ||
| Average total assets | $152,038,000 | 3,443 |
| Average earning assets | $143,023,600 | 3,409 |
| Average equity | $16,645,600 | 3,520 |
| Average total loans | $80,567,800 | 3,740 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 4,346 |
| Cost of funding earning assets | 0.4449% | 2,761 |
| Net interest margin | 3.2453% | 4,340 |
| Noninterest income to average assets | 0.3449% | 4,073 |
| Noninterest expense to average assets | 2.4978% | 3,745 |
| Loan and lease loss provision to assets | 0.1020% | 2,070 |
| Net operating income to assets | 0.5506% | 4,573 |
| Return on assets (ROA) | 0.5506% | 4,608 |
| Pretax return on assets | 0.7980% | 4,352 |
| Return on Equity (ROE) | 4.9858% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.7048% | 3,076 |
| Net charge-offs to loans | 0.2245% | 962 |
| Credit loss provision to net charge-offs | 85.8209% | 2,511 |
| Earnings coverage of net charge-offs (x) | 7.5747% | 2,863 |
| Efficiency ratio | 73.5125% | 1,972 |
| Assets per employee ($millions) | 4.2204% | 3,610 |
| Cash dividends to net income (ytd only)* | 5.6366% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 5,104 |
| Loan loss allowance to noncurrent loans | 157.2603% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 2,180 |
| Noncurrent loans to loans | 0.4544% | 3,343 |
| Net loans and leases to total assets | 53.9949% | 4,417 |
| Net loans and leases to deposits | 61.4464% | 4,558 |
| Net loans and leases to core deposits | 65.6045% | 4,509 |
| Total domestic deposits to total assets | 87.8732% | 1,430 |
| Equity capital to assets | 11.4640% | 2,410 |
| Core capital (leverage) ratio | 11.6156% | 1,940 |
| Tier 1 risk-based capital ratio | 19.0414% | 1,574 |
| Total risk-based capital ratio | 19.6845% | 1,700 |
| Memoranda: | ||
| Average total assets | $150,370,000 | 3,498 |
| Average earning assets | $141,454,000 | 3,458 |
| Average equity | $16,606,750 | 3,558 |
| Average total loans | $79,575,500 | 3,785 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 4,441 |
| Cost of funding earning assets | 0.4312% | 2,793 |
| Net interest margin | 3.1943% | 4,437 |
| Noninterest income to average assets | 0.3398% | 4,120 |
| Noninterest expense to average assets | 2.3947% | 4,062 |
| Loan and lease loss provision to assets | 0.1124% | 1,824 |
| Net operating income to assets | 0.5792% | 4,395 |
| Return on assets (ROA) | 0.5792% | 4,450 |
| Pretax return on assets | 0.8397% | 4,127 |
| Return on Equity (ROE) | 5.3109% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.1897% | 2,587 |
| Net charge-offs to loans | 0.3454% | 583 |
| Credit loss provision to net charge-offs | 62.0438% | 2,446 |
| Earnings coverage of net charge-offs (x) | 5.2555% | 2,841 |
| Efficiency ratio | 71.5527% | 2,424 |
| Assets per employee ($millions) | 4.6226% | 2,906 |
| Cash dividends to net income (ytd only)* | 2.2831% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6879% | 5,237 |
| Loan loss allowance to noncurrent loans | 474.5614% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 2,667 |
| Noncurrent loans to loans | 0.1449% | 4,540 |
| Net loans and leases to total assets | 52.8021% | 4,498 |
| Net loans and leases to deposits | 59.9173% | 4,639 |
| Net loans and leases to core deposits | 64.1315% | 4,595 |
| Total domestic deposits to total assets | 88.1250% | 1,395 |
| Equity capital to assets | 11.3288% | 2,469 |
| Core capital (leverage) ratio | 11.2686% | 2,158 |
| Tier 1 risk-based capital ratio | 19.3460% | 1,510 |
| Total risk-based capital ratio | 19.9676% | 1,627 |
| Memoranda: | ||
| Average total assets | $151,252,000 | 3,504 |
| Average earning assets | $142,380,000 | 3,459 |
| Average equity | $16,494,330 | 3,580 |
| Average total loans | $79,323,330 | 3,803 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 4,503 |
| Cost of funding earning assets | 0.4053% | 2,942 |
| Net interest margin | 3.1622% | 4,464 |
| Noninterest income to average assets | 0.3244% | 4,223 |
| Noninterest expense to average assets | 2.4170% | 4,071 |
| Loan and lease loss provision to assets | 0.1177% | 1,622 |
| Net operating income to assets | 0.5310% | 4,461 |
| Return on assets (ROA) | 0.5310% | 4,503 |
| Pretax return on assets | 0.7690% | 4,220 |
| Return on Equity (ROE) | 4.9626% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.9626% | 2,919 |
| Net charge-offs to loans | 0.4720% | 393 |
| Credit loss provision to net charge-offs | 47.8723% | 2,003 |
| Earnings coverage of net charge-offs (x) | 3.6064% | 2,468 |
| Efficiency ratio | 73.1591% | 2,378 |
| Assets per employee ($millions) | 5.0547% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6917% | 5,328 |
| Loan loss allowance to noncurrent loans | 91.4286% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 2,293 |
| Noncurrent loans to loans | 0.7565% | 2,593 |
| Net loans and leases to total assets | 51.5062% | 4,559 |
| Net loans and leases to deposits | 58.1866% | 4,682 |
| Net loans and leases to core deposits | 62.1944% | 4,645 |
| Total domestic deposits to total assets | 88.5190% | 1,412 |
| Equity capital to assets | 10.8651% | 2,785 |
| Core capital (leverage) ratio | 10.9871% | 2,370 |
| Tier 1 risk-based capital ratio | 19.1343% | 1,579 |
| Total risk-based capital ratio | 19.7609% | 1,701 |
| Memoranda: | ||
| Average total assets | $152,916,000 | 3,516 |
| Average earning assets | $144,078,500 | 3,473 |
| Average equity | $16,362,500 | 3,619 |
| Average total loans | $79,661,000 | 3,817 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6372% | 4,412 |
| Cost of funding earning assets | 0.4156% | 2,856 |
| Net interest margin | 3.2216% | 4,374 |
| Noninterest income to average assets | 0.3644% | 4,138 |
| Noninterest expense to average assets | 2.5532% | 3,828 |
| Loan and lease loss provision to assets | 0.0901% | 2,564 |
| Net operating income to assets | 0.5411% | 4,473 |
| Return on assets (ROA) | 0.5411% | 4,565 |
| Pretax return on assets | 0.7559% | 4,314 |
| Return on Equity (ROE) | 4.8217% | 4,503 |
| Retained earnings to average equity (ytd only) | 3.2659% | 3,584 |
| Net charge-offs to loans | 0.1565% | 1,708 |
| Credit loss provision to net charge-offs | 108.3333% | 2,421 |
| Earnings coverage of net charge-offs (x) | 10.1750% | 2,665 |
| Efficiency ratio | 75.1121% | 2,121 |
| Assets per employee ($millions) | 4.6724% | 2,840 |
| Cash dividends to net income (ytd only)* | 32.2663% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7351% | 5,286 |
| Loan loss allowance to noncurrent loans | 257.8261% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 3,070 |
| Noncurrent loans to loans | 0.2851% | 4,132 |
| Net loans and leases to total assets | 51.9359% | 4,612 |
| Net loans and leases to deposits | 58.6417% | 4,753 |
| Net loans and leases to core deposits | 62.2164% | 4,745 |
| Total domestic deposits to total assets | 88.5648% | 1,344 |
| Equity capital to assets | 10.5383% | 3,107 |
| Core capital (leverage) ratio | 11.6314% | 1,840 |
| Tier 1 risk-based capital ratio | 18.4926% | 1,732 |
| Total risk-based capital ratio | 19.1609% | 1,835 |
| Memoranda: | ||
| Average total assets | $144,329,400 | 3,601 |
| Average earning assets | $135,957,000 | 3,556 |
| Average equity | $16,197,600 | 3,664 |
| Average total loans | $76,661,000 | 3,883 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 4,285 |
| Cost of funding earning assets | 0.4210% | 2,833 |
| Net interest margin | 3.2684% | 4,284 |
| Noninterest income to average assets | 0.3769% | 4,086 |
| Noninterest expense to average assets | 2.6193% | 3,596 |
| Loan and lease loss provision to assets | 0.0799% | 2,614 |
| Net operating income to assets | 0.5216% | 4,610 |
| Return on assets (ROA) | 0.5216% | 4,713 |
| Pretax return on assets | 0.7566% | 4,453 |
| Return on Equity (ROE) | 4.5721% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.2838% | 3,273 |
| Net charge-offs to loans | 0.2027% | 1,152 |
| Credit loss provision to net charge-offs | 73.9130% | 2,742 |
| Earnings coverage of net charge-offs (x) | 7.7391% | 2,846 |
| Efficiency ratio | 75.7955% | 2,003 |
| Assets per employee ($millions) | 4.2544% | 3,499 |
| Cash dividends to net income (ytd only)* | 6.3069% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 5,431 |
| Loan loss allowance to noncurrent loans | 237.3391% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 3,051 |
| Noncurrent loans to loans | 0.2946% | 4,199 |
| Net loans and leases to total assets | 55.9376% | 4,313 |
| Net loans and leases to deposits | 63.8999% | 4,496 |
| Net loans and leases to core deposits | 68.2540% | 4,446 |
| Total domestic deposits to total assets | 87.5394% | 1,641 |
| Equity capital to assets | 11.7434% | 2,308 |
| Core capital (leverage) ratio | 11.6111% | 1,947 |
| Tier 1 risk-based capital ratio | 19.0632% | 1,660 |
| Total risk-based capital ratio | 19.7059% | 1,760 |
| Memoranda: | ||
| Average total assets | $141,864,250 | 3,657 |
| Average earning assets | $133,638,500 | 3,613 |
| Average equity | $16,184,750 | 3,700 |
| Average total loans | $75,658,000 | 3,940 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 4,569 |
| Cost of funding earning assets | 0.4154% | 2,882 |
| Net interest margin | 3.1909% | 4,570 |
| Noninterest income to average assets | 0.3821% | 4,006 |
| Noninterest expense to average assets | 2.6020% | 3,717 |
| Loan and lease loss provision to assets | 0.0562% | 3,016 |
| Net operating income to assets | 0.5058% | 4,655 |
| Return on assets (ROA) | 0.5058% | 4,768 |
| Pretax return on assets | 0.7348% | 4,514 |
| Return on Equity (ROE) | 4.4765% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.4765% | 3,067 |
| Net charge-offs to loans | 0.2872% | 830 |
| Credit loss provision to net charge-offs | 37.3832% | 2,799 |
| Earnings coverage of net charge-offs (x) | 5.2617% | 2,877 |
| Efficiency ratio | 76.6874% | 1,979 |
| Assets per employee ($millions) | 4.2287% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6867% | 5,541 |
| Loan loss allowance to noncurrent loans | 215.0000% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 3,128 |
| Noncurrent loans to loans | 0.3194% | 4,225 |
| Net loans and leases to total assets | 51.9030% | 4,685 |
| Net loans and leases to deposits | 58.9577% | 4,854 |
| Net loans and leases to core deposits | 62.8132% | 4,828 |
| Total domestic deposits to total assets | 88.0342% | 1,421 |
| Equity capital to assets | 11.3496% | 2,695 |
| Core capital (leverage) ratio | 11.3596% | 2,090 |
| Tier 1 risk-based capital ratio | 19.4029% | 1,592 |
| Total risk-based capital ratio | 20.0194% | 1,704 |
| Memoranda: | ||
| Average total assets | $142,354,330 | 3,670 |
| Average earning assets | $134,320,000 | 3,622 |
| Average equity | $16,084,000 | 3,717 |
| Average total loans | $74,515,330 | 3,988 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5124% | 4,860 |
| Cost of funding earning assets | 0.4152% | 2,902 |
| Net interest margin | 3.0973% | 4,869 |
| Noninterest income to average assets | 0.4010% | 3,821 |
| Noninterest expense to average assets | 2.6348% | 3,636 |
| Loan and lease loss provision to assets | 0.0424% | 3,076 |
| Net operating income to assets | 0.4490% | 4,836 |
| Return on assets (ROA) | 0.4490% | 4,918 |
| Pretax return on assets | 0.6523% | 4,671 |
| Return on Equity (ROE) | 3.9832% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.9832% | 3,503 |
| Net charge-offs to loans | 0.0593% | 1,913 |
| Credit loss provision to net charge-offs | 136.3636% | 1,331 |
| Earnings coverage of net charge-offs (x) | 22.3636% | 1,407 |
| Efficiency ratio | 79.1349% | 1,723 |
| Assets per employee ($millions) | 4.5845% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 5,394 |
| Loan loss allowance to noncurrent loans | 135.2535% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7860% | 2,734 |
| Noncurrent loans to loans | 0.5835% | 3,441 |
| Net loans and leases to total assets | 51.9255% | 4,634 |
| Net loans and leases to deposits | 58.8959% | 4,788 |
| Net loans and leases to core deposits | 62.8233% | 4,766 |
| Total domestic deposits to total assets | 88.1648% | 1,549 |
| Equity capital to assets | 11.3074% | 2,617 |
| Core capital (leverage) ratio | 11.3069% | 2,135 |
| Tier 1 risk-based capital ratio | 19.3537% | 1,641 |
| Total risk-based capital ratio | 20.0620% | 1,746 |
| Memoranda: | ||
| Average total assets | $141,643,500 | 3,709 |
| Average earning assets | $133,924,500 | 3,653 |
| Average equity | $15,967,000 | 3,739 |
| Average total loans | $74,203,000 | 4,017 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,523 |
| Cost of funding earning assets | 0.4405% | 2,738 |
| Net interest margin | 3.2097% | 4,595 |
| Noninterest income to average assets | 0.4206% | 3,891 |
| Noninterest expense to average assets | 2.6817% | 3,644 |
| Loan and lease loss provision to assets | 0.1016% | 2,290 |
| Net operating income to assets | 0.4640% | 4,836 |
| Return on assets (ROA) | 0.4640% | 4,910 |
| Pretax return on assets | 0.6423% | 4,696 |
| Return on Equity (ROE) | 3.9876% | 4,951 |
| Retained earnings to average equity (ytd only) | 2.2343% | 4,448 |
| Net charge-offs to loans | 0.0788% | 2,689 |
| Credit loss provision to net charge-offs | 246.4286% | 1,167 |
| Earnings coverage of net charge-offs (x) | 18.0357% | 2,039 |
| Efficiency ratio | 78.2842% | 1,924 |
| Assets per employee ($millions) | 4.2778% | 3,437 |
| Cash dividends to net income (ytd only)* | 43.9683% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 5,445 |
| Loan loss allowance to noncurrent loans | 144.6650% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 2,704 |
| Noncurrent loans to loans | 0.5444% | 3,528 |
| Net loans and leases to total assets | 52.0231% | 4,689 |
| Net loans and leases to deposits | 58.9004% | 4,856 |
| Net loans and leases to core deposits | 63.1590% | 4,788 |
| Total domestic deposits to total assets | 88.3238% | 1,462 |
| Equity capital to assets | 11.2377% | 2,606 |
| Core capital (leverage) ratio | 12.1365% | 1,537 |
| Tier 1 risk-based capital ratio | 19.5172% | 1,580 |
| Total risk-based capital ratio | 20.2338% | 1,665 |
| Memoranda: | ||
| Average total assets | $135,771,600 | 3,794 |
| Average earning assets | $127,116,000 | 3,754 |
| Average equity | $15,798,800 | 3,710 |
| Average total loans | $71,082,600 | 4,068 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 4,482 |
| Cost of funding earning assets | 0.4487% | 2,702 |
| Net interest margin | 3.2301% | 4,577 |
| Noninterest income to average assets | 0.4325% | 3,850 |
| Noninterest expense to average assets | 2.5898% | 3,916 |
| Loan and lease loss provision to assets | 0.1369% | 1,632 |
| Net operating income to assets | 0.4959% | 4,800 |
| Return on assets (ROA) | 0.4959% | 4,894 |
| Pretax return on assets | 0.7191% | 4,617 |
| Return on Equity (ROE) | 4.2240% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.9705% | 3,642 |
| Net charge-offs to loans | 0.1023% | 2,113 |
| Credit loss provision to net charge-offs | 255.5556% | 1,117 |
| Earnings coverage of net charge-offs (x) | 15.9811% | 2,147 |
| Efficiency ratio | 75.1583% | 2,380 |
| Assets per employee ($millions) | 3.9849% | 3,902 |
| Cash dividends to net income (ytd only)* | 6.0002% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 5,490 |
| Loan loss allowance to noncurrent loans | 120.3704% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.1217% | 2,118 |
| Noncurrent loans to loans | 0.6727% | 3,310 |
| Net loans and leases to total assets | 54.4969% | 4,513 |
| Net loans and leases to deposits | 62.7042% | 4,665 |
| Net loans and leases to core deposits | 67.1728% | 4,612 |
| Total domestic deposits to total assets | 86.9111% | 2,092 |
| Equity capital to assets | 12.2144% | 1,944 |
| Core capital (leverage) ratio | 12.0803% | 1,635 |
| Tier 1 risk-based capital ratio | 19.9377% | 1,569 |
| Total risk-based capital ratio | 20.6668% | 1,653 |
| Memoranda: | ||
| Average total assets | $134,422,500 | 3,854 |
| Average earning assets | $125,402,250 | 3,820 |
| Average equity | $15,782,500 | 3,746 |
| Average total loans | $70,347,500 | 4,123 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 4,686 |
| Cost of funding earning assets | 0.4473% | 2,761 |
| Net interest margin | 3.1662% | 4,765 |
| Noninterest income to average assets | 0.4269% | 3,875 |
| Noninterest expense to average assets | 2.6278% | 3,821 |
| Loan and lease loss provision to assets | 0.1152% | 1,912 |
| Net operating income to assets | 0.4431% | 4,994 |
| Return on assets (ROA) | 0.4431% | 5,090 |
| Pretax return on assets | 0.6426% | 4,848 |
| Return on Equity (ROE) | 3.8243% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.4418% | 3,856 |
| Net charge-offs to loans | 0.1922% | 1,308 |
| Credit loss provision to net charge-offs | 116.4179% | 1,852 |
| Earnings coverage of net charge-offs (x) | 7.6567% | 2,649 |
| Efficiency ratio | 77.6178% | 2,120 |
| Assets per employee ($millions) | 3.9247% | 4,029 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 5,775 |
| Loan loss allowance to noncurrent loans | 102.4000% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 2,263 |
| Noncurrent loans to loans | 0.7012% | 3,386 |
| Net loans and leases to total assets | 53.0538% | 4,656 |
| Net loans and leases to deposits | 60.5676% | 4,804 |
| Net loans and leases to core deposits | 65.4243% | 4,702 |
| Total domestic deposits to total assets | 87.5944% | 1,847 |
| Equity capital to assets | 11.8503% | 2,136 |
| Core capital (leverage) ratio | 11.6971% | 1,841 |
| Tier 1 risk-based capital ratio | 19.4765% | 1,676 |
| Total risk-based capital ratio | 20.1078% | 1,792 |
| Memoranda: | ||
| Average total assets | $135,396,330 | 3,872 |
| Average earning assets | $126,525,670 | 3,836 |
| Average equity | $15,689,330 | 3,778 |
| Average total loans | $69,713,670 | 4,168 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 4,776 |
| Cost of funding earning assets | 0.4475% | 2,791 |
| Net interest margin | 3.1233% | 4,871 |
| Noninterest income to average assets | 0.4048% | 3,970 |
| Noninterest expense to average assets | 2.5665% | 4,043 |
| Loan and lease loss provision to assets | 0.0939% | 2,125 |
| Net operating income to assets | 0.4634% | 4,819 |
| Return on assets (ROA) | 0.4634% | 4,935 |
| Pretax return on assets | 0.6717% | 4,684 |
| Return on Equity (ROE) | 4.0442% | 4,963 |
| Retained earnings to average equity (ytd only) | 4.0442% | 3,580 |
| Net charge-offs to loans | -0.1277% | 5,932 |
| Credit loss provision to net charge-offs | -145.4545% | 4,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0246% | 2,335 |
| Assets per employee ($millions) | 4.2327% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 5,785 |
| Loan loss allowance to noncurrent loans | 93.4343% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.1924% | 2,250 |
| Noncurrent loans to loans | 0.8141% | 3,210 |
| Net loans and leases to total assets | 53.4616% | 4,502 |
| Net loans and leases to deposits | 60.8746% | 4,676 |
| Net loans and leases to core deposits | 65.0979% | 4,605 |
| Total domestic deposits to total assets | 87.8224% | 1,920 |
| Equity capital to assets | 11.6246% | 2,355 |
| Core capital (leverage) ratio | 11.6001% | 1,928 |
| Tier 1 risk-based capital ratio | 19.0531% | 1,851 |
| Total risk-based capital ratio | 19.7272% | 1,959 |
| Memoranda: | ||
| Average total assets | $136,374,500 | 3,872 |
| Average earning assets | $127,813,500 | 3,835 |
| Average equity | $15,627,500 | 3,812 |
| Average total loans | $68,917,000 | 4,205 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 5,319 |
| Cost of funding earning assets | 0.4701% | 2,980 |
| Net interest margin | 3.0282% | 5,382 |
| Noninterest income to average assets | 0.4492% | 3,832 |
| Noninterest expense to average assets | 2.5124% | 4,504 |
| Loan and lease loss provision to assets | 0.0718% | 3,047 |
| Net operating income to assets | 0.5249% | 4,708 |
| Return on assets (ROA) | 0.5249% | 4,797 |
| Pretax return on assets | 0.7102% | 4,582 |
| Return on Equity (ROE) | 4.5255% | 4,876 |
| Retained earnings to average equity (ytd only) | 2.9148% | 4,165 |
| Net charge-offs to loans | 0.3542% | 1,232 |
| Credit loss provision to net charge-offs | 41.3043% | 3,655 |
| Earnings coverage of net charge-offs (x) | 4.4957% | 3,637 |
| Efficiency ratio | 76.2626% | 2,470 |
| Assets per employee ($millions) | 4.1607% | 3,612 |
| Cash dividends to net income (ytd only)* | 35.5908% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7723% | 5,843 |
| Loan loss allowance to noncurrent loans | 51.3846% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.4610% | 1,881 |
| Noncurrent loans to loans | 1.5031% | 1,947 |
| Net loans and leases to total assets | 46.8792% | 5,260 |
| Net loans and leases to deposits | 53.1221% | 5,404 |
| Net loans and leases to core deposits | 56.5253% | 5,350 |
| Total domestic deposits to total assets | 88.2480% | 1,636 |
| Equity capital to assets | 11.2961% | 2,605 |
| Core capital (leverage) ratio | 12.1807% | 1,512 |
| Tier 1 risk-based capital ratio | 20.0605% | 1,595 |
| Total risk-based capital ratio | 20.7077% | 1,701 |
| Memoranda: | ||
| Average total assets | $132,224,000 | 3,937 |
| Average earning assets | $124,233,400 | 3,879 |
| Average equity | $15,335,400 | 3,774 |
| Average total loans | $64,936,000 | 4,335 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 5,395 |
| Cost of funding earning assets | 0.4818% | 2,939 |
| Net interest margin | 3.0161% | 5,471 |
| Noninterest income to average assets | 0.4521% | 3,881 |
| Noninterest expense to average assets | 2.5057% | 4,511 |
| Loan and lease loss provision to assets | 0.0672% | 3,003 |
| Net operating income to assets | 0.4938% | 4,896 |
| Return on assets (ROA) | 0.4938% | 4,963 |
| Pretax return on assets | 0.7158% | 4,654 |
| Return on Equity (ROE) | 4.2288% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.9672% | 3,825 |
| Net charge-offs to loans | 0.3469% | 1,161 |
| Credit loss provision to net charge-offs | 39.0533% | 3,304 |
| Earnings coverage of net charge-offs (x) | 4.5503% | 3,430 |
| Efficiency ratio | 76.1920% | 2,463 |
| Assets per employee ($millions) | 3.9138% | 4,055 |
| Cash dividends to net income (ytd only)* | 6.1857% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 5,903 |
| Loan loss allowance to noncurrent loans | 35.9892% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 1.7955% | 1,655 |
| Noncurrent loans to loans | 2.1867% | 1,396 |
| Net loans and leases to total assets | 52.0274% | 4,806 |
| Net loans and leases to deposits | 59.7803% | 4,968 |
| Net loans and leases to core deposits | 63.6621% | 4,909 |
| Total domestic deposits to total assets | 87.0311% | 2,305 |
| Equity capital to assets | 11.9964% | 2,063 |
| Core capital (leverage) ratio | 12.0783% | 1,654 |
| Tier 1 risk-based capital ratio | 20.7241% | 1,507 |
| Total risk-based capital ratio | 21.4351% | 1,590 |
| Memoranda: | ||
| Average total assets | $130,954,000 | 3,988 |
| Average earning assets | $123,156,750 | 3,927 |
| Average equity | $15,291,750 | 3,806 |
| Average total loans | $64,953,000 | 4,373 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4013% | 5,615 |
| Cost of funding earning assets | 0.4843% | 2,982 |
| Net interest margin | 2.9170% | 5,707 |
| Noninterest income to average assets | 0.4439% | 3,912 |
| Noninterest expense to average assets | 2.4963% | 4,586 |
| Loan and lease loss provision to assets | 0.0532% | 3,236 |
| Net operating income to assets | 0.4424% | 5,045 |
| Return on assets (ROA) | 0.4424% | 5,124 |
| Pretax return on assets | 0.6416% | 4,810 |
| Return on Equity (ROE) | 3.8228% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.8228% | 3,747 |
| Net charge-offs to loans | 0.2593% | 1,513 |
| Credit loss provision to net charge-offs | 42.1687% | 2,896 |
| Earnings coverage of net charge-offs (x) | 5.5060% | 2,913 |
| Efficiency ratio | 78.2277% | 2,261 |
| Assets per employee ($millions) | 3.9358% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 5,645 |
| Loan loss allowance to noncurrent loans | 38.4817% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 1.8217% | 1,778 |
| Noncurrent loans to loans | 2.4049% | 1,312 |
| Net loans and leases to total assets | 48.4674% | 5,135 |
| Net loans and leases to deposits | 55.2862% | 5,255 |
| Net loans and leases to core deposits | 58.7143% | 5,222 |
| Total domestic deposits to total assets | 87.6664% | 2,105 |
| Equity capital to assets | 11.8224% | 2,131 |
| Core capital (leverage) ratio | 11.7016% | 1,849 |
| Tier 1 risk-based capital ratio | 21.1486% | 1,421 |
| Total risk-based capital ratio | 21.9576% | 1,486 |
| Memoranda: | ||
| Average total assets | $131,553,670 | 4,003 |
| Average earning assets | $123,893,670 | 3,935 |
| Average equity | $15,224,330 | 3,817 |
| Average total loans | $64,027,670 | 4,419 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2646% | 5,909 |
| Cost of funding earning assets | 0.4746% | 3,181 |
| Net interest margin | 2.7900% | 5,956 |
| Noninterest income to average assets | 0.4411% | 3,861 |
| Noninterest expense to average assets | 2.4080% | 4,906 |
| Loan and lease loss provision to assets | 0.0181% | 3,594 |
| Net operating income to assets | 0.4441% | 4,956 |
| Return on assets (ROA) | 0.4441% | 5,020 |
| Pretax return on assets | 0.6436% | 4,686 |
| Return on Equity (ROE) | 3.8789% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.8789% | 3,793 |
| Net charge-offs to loans | 0.3174% | 1,117 |
| Credit loss provision to net charge-offs | 11.7647% | 2,593 |
| Earnings coverage of net charge-offs (x) | 4.2941% | 2,547 |
| Efficiency ratio | 78.4449% | 2,422 |
| Assets per employee ($millions) | 4.0237% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 5,870 |
| Loan loss allowance to noncurrent loans | 34.2410% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 1.8647% | 1,855 |
| Noncurrent loans to loans | 2.6242% | 1,306 |
| Net loans and leases to total assets | 49.0891% | 4,992 |
| Net loans and leases to deposits | 55.7317% | 5,133 |
| Net loans and leases to core deposits | 58.8462% | 5,140 |
| Total domestic deposits to total assets | 88.0811% | 2,190 |
| Equity capital to assets | 11.4587% | 2,288 |
| Core capital (leverage) ratio | 11.4528% | 2,004 |
| Tier 1 risk-based capital ratio | 20.5315% | 1,578 |
| Total risk-based capital ratio | 21.3284% | 1,666 |
| Memoranda: | ||
| Average total assets | $132,390,000 | 4,021 |
| Average earning assets | $124,732,000 | 3,949 |
| Average equity | $15,159,000 | 3,837 |
| Average total loans | $64,272,500 | 4,451 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 4,491 |
| Cost of funding earning assets | 0.5536% | 3,083 |
| Net interest margin | 3.3377% | 4,525 |
| Noninterest income to average assets | 0.5623% | 3,316 |
| Noninterest expense to average assets | 2.4655% | 4,873 |
| Loan and lease loss provision to assets | 0.6014% | 416 |
| Net operating income to assets | 0.4928% | 4,760 |
| Return on assets (ROA) | 0.4928% | 4,898 |
| Pretax return on assets | 0.6254% | 4,787 |
| Return on Equity (ROE) | 4.1099% | 5,055 |
| Retained earnings to average equity (ytd only) | 2.5312% | 4,452 |
| Net charge-offs to loans | 0.7566% | 836 |
| Credit loss provision to net charge-offs | 147.0703% | 1,581 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,993 |
| Efficiency ratio | 66.7748% | 4,411 |
| Assets per employee ($millions) | 3.8823% | 4,099 |
| Cash dividends to net income (ytd only)* | 38.4117% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 5,499 |
| Loan loss allowance to noncurrent loans | 28.0423% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 2.3137% | 1,516 |
| Noncurrent loans to loans | 3.6130% | 847 |
| Net loans and leases to total assets | 47.0738% | 5,383 |
| Net loans and leases to deposits | 53.4779% | 5,511 |
| Net loans and leases to core deposits | 56.4046% | 5,502 |
| Total domestic deposits to total assets | 88.0249% | 2,164 |
| Equity capital to assets | 11.4418% | 2,215 |
| Core capital (leverage) ratio | 12.4577% | 1,381 |
| Tier 1 risk-based capital ratio | 21.1483% | 1,396 |
| Total risk-based capital ratio | 22.0402% | 1,445 |
| Memoranda: | ||
| Average total assets | $125,206,000 | 4,156 |
| Average earning assets | $117,416,200 | 4,098 |
| Average equity | $15,012,600 | 3,875 |
| Average total loans | $67,675,200 | 4,351 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 4,077 |
| Cost of funding earning assets | 0.5751% | 3,045 |
| Net interest margin | 3.4390% | 4,126 |
| Noninterest income to average assets | 0.4955% | 3,843 |
| Noninterest expense to average assets | 2.4365% | 4,914 |
| Loan and lease loss provision to assets | 0.5398% | 492 |
| Net operating income to assets | 0.5106% | 4,754 |
| Return on assets (ROA) | 0.5106% | 4,913 |
| Pretax return on assets | 0.7406% | 4,530 |
| Return on Equity (ROE) | 4.2071% | 5,129 |
| Retained earnings to average equity (ytd only) | 4.2071% | 3,690 |
| Net charge-offs to loans | 0.5747% | 1,097 |
| Credit loss provision to net charge-offs | 168.3502% | 1,414 |
| Earnings coverage of net charge-offs (x) | 3.9933% | 3,564 |
| Efficiency ratio | 65.5533% | 4,566 |
| Assets per employee ($millions) | 3.4348% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 6,046 |
| Loan loss allowance to noncurrent loans | 26.9856% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 2.5079% | 1,533 |
| Noncurrent loans to loans | 3.3429% | 1,164 |
| Net loans and leases to total assets | 54.6428% | 4,508 |
| Net loans and leases to deposits | 63.0480% | 4,625 |
| Net loans and leases to core deposits | 66.5859% | 4,658 |
| Total domestic deposits to total assets | 86.6685% | 2,879 |
| Equity capital to assets | 12.6220% | 1,517 |
| Core capital (leverage) ratio | 12.4213% | 1,459 |
| Tier 1 risk-based capital ratio | 20.9381% | 1,505 |
| Total risk-based capital ratio | 21.7633% | 1,572 |
| Memoranda: | ||
| Average total assets | $123,507,750 | 4,234 |
| Average earning assets | $115,689,250 | 4,186 |
| Average equity | $14,990,000 | 3,913 |
| Average total loans | $68,900,750 | 4,343 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 3,850 |
| Cost of funding earning assets | 0.5866% | 3,066 |
| Net interest margin | 3.4823% | 3,851 |
| Noninterest income to average assets | 0.4928% | 3,883 |
| Noninterest expense to average assets | 2.3242% | 5,293 |
| Loan and lease loss provision to assets | 0.5618% | 463 |
| Net operating income to assets | 0.6035% | 4,258 |
| Return on assets (ROA) | 0.6035% | 4,442 |
| Pretax return on assets | 0.8748% | 4,009 |
| Return on Equity (ROE) | 5.0373% | 4,713 |
| Retained earnings to average equity (ytd only) | 5.0373% | 3,034 |
| Net charge-offs to loans | 0.7568% | 845 |
| Credit loss provision to net charge-offs | 132.5758% | 1,716 |
| Earnings coverage of net charge-offs (x) | 3.3902% | 3,402 |
| Efficiency ratio | 61.8011% | 5,202 |
| Assets per employee ($millions) | 3.7189% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 6,477 |
| Loan loss allowance to noncurrent loans | 23.2930% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 2.3345% | 1,843 |
| Noncurrent loans to loans | 3.0801% | 1,439 |
| Net loans and leases to total assets | 54.2375% | 4,556 |
| Net loans and leases to deposits | 62.3027% | 4,693 |
| Net loans and leases to core deposits | 65.0601% | 4,782 |
| Total domestic deposits to total assets | 87.0548% | 2,789 |
| Equity capital to assets | 12.2933% | 1,709 |
| Core capital (leverage) ratio | 12.1453% | 1,539 |
| Tier 1 risk-based capital ratio | 20.5900% | 1,588 |
| Total risk-based capital ratio | 21.2470% | 1,689 |
| Memoranda: | ||
| Average total assets | $124,604,000 | 4,244 |
| Average earning assets | $116,935,670 | 4,178 |
| Average equity | $14,928,670 | 3,957 |
| Average total loans | $69,771,330 | 4,317 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 4,226 |
| Cost of funding earning assets | 0.6103% | 3,008 |
| Net interest margin | 3.3632% | 4,261 |
| Noninterest income to average assets | 0.4970% | 3,791 |
| Noninterest expense to average assets | 2.5202% | 4,687 |
| Loan and lease loss provision to assets | 0.2390% | 1,522 |
| Net operating income to assets | 0.6213% | 4,112 |
| Return on assets (ROA) | 0.6213% | 4,273 |
| Pretax return on assets | 0.8985% | 3,770 |
| Return on Equity (ROE) | 5.2527% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.2527% | 3,080 |
| Net charge-offs to loans | 0.2137% | 2,141 |
| Credit loss provision to net charge-offs | 197.3684% | 1,105 |
| Earnings coverage of net charge-offs (x) | 9.3947% | 1,841 |
| Efficiency ratio | 68.9024% | 4,159 |
| Assets per employee ($millions) | 3.6725% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 6,692 |
| Loan loss allowance to noncurrent loans | 19.0308% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 2.4530% | 1,879 |
| Noncurrent loans to loans | 3.2160% | 1,526 |
| Net loans and leases to total assets | 56.1818% | 4,054 |
| Net loans and leases to deposits | 64.2995% | 4,282 |
| Net loans and leases to core deposits | 66.8006% | 4,432 |
| Total domestic deposits to total assets | 87.3753% | 2,706 |
| Equity capital to assets | 11.9664% | 2,066 |
| Core capital (leverage) ratio | 11.8886% | 1,628 |
| Tier 1 risk-based capital ratio | 19.9291% | 1,793 |
| Total risk-based capital ratio | 20.5071% | 1,937 |
| Memoranda: | ||
| Average total assets | $125,543,500 | 4,272 |
| Average earning assets | $117,983,500 | 4,197 |
| Average equity | $14,849,500 | 4,026 |
| Average total loans | $71,135,000 | 4,303 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 4,216 |
| Cost of funding earning assets | 0.7791% | 2,837 |
| Net interest margin | 3.5128% | 4,444 |
| Noninterest income to average assets | 0.4993% | 3,907 |
| Noninterest expense to average assets | 2.8575% | 3,823 |
| Loan and lease loss provision to assets | 0.1270% | 4,025 |
| Net operating income to assets | 0.5813% | 4,325 |
| Return on assets (ROA) | 0.5813% | 4,588 |
| Pretax return on assets | 0.8064% | 4,267 |
| Return on Equity (ROE) | 4.9619% | 4,692 |
| Retained earnings to average equity (ytd only) | 3.0952% | 4,054 |
| Net charge-offs to loans | 0.3373% | 2,949 |
| Credit loss provision to net charge-offs | 67.2340% | 4,242 |
| Earnings coverage of net charge-offs (x) | 4.9404% | 3,198 |
| Efficiency ratio | 75.3765% | 2,849 |
| Assets per employee ($millions) | 3.8249% | 4,317 |
| Cash dividends to net income (ytd only)* | 37.6210% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5510% | 6,806 |
| Loan loss allowance to noncurrent loans | 35.3943% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 1.4625% | 3,190 |
| Noncurrent loans to loans | 1.5568% | 3,282 |
| Net loans and leases to total assets | 56.4811% | 4,210 |
| Net loans and leases to deposits | 64.4870% | 4,481 |
| Net loans and leases to core deposits | 67.4178% | 4,599 |
| Total domestic deposits to total assets | 87.5853% | 2,485 |
| Equity capital to assets | 11.6914% | 2,279 |
| Core capital (leverage) ratio | 12.3831% | 1,368 |
| Tier 1 risk-based capital ratio | 19.6711% | 1,766 |
| Total risk-based capital ratio | 20.1997% | 1,940 |
| Memoranda: | ||
| Average total assets | $124,374,800 | 4,264 |
| Average earning assets | $116,546,600 | 4,200 |
| Average equity | $14,571,000 | 4,047 |
| Average total loans | $69,667,600 | 4,367 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 4,279 |
| Cost of funding earning assets | 0.8141% | 2,831 |
| Net interest margin | 3.5301% | 4,528 |
| Noninterest income to average assets | 0.5079% | 3,867 |
| Noninterest expense to average assets | 2.9601% | 3,370 |
| Loan and lease loss provision to assets | 0.1367% | 3,837 |
| Net operating income to assets | 0.4939% | 4,866 |
| Return on assets (ROA) | 0.4939% | 5,136 |
| Pretax return on assets | 0.7145% | 4,811 |
| Return on Equity (ROE) | 4.2134% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.9381% | 4,112 |
| Net charge-offs to loans | 0.3682% | 2,629 |
| Credit loss provision to net charge-offs | 66.4921% | 3,997 |
| Earnings coverage of net charge-offs (x) | 4.1414% | 3,387 |
| Efficiency ratio | 77.6680% | 2,435 |
| Assets per employee ($millions) | 3.7560% | 4,412 |
| Cash dividends to net income (ytd only)* | 6.5362% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5739% | 6,894 |
| Loan loss allowance to noncurrent loans | 40.8408% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4394% | 3,445 |
| Noncurrent loans to loans | 1.4051% | 3,690 |
| Net loans and leases to total assets | 58.8126% | 3,992 |
| Net loans and leases to deposits | 67.7056% | 4,228 |
| Net loans and leases to core deposits | 70.5202% | 4,432 |
| Total domestic deposits to total assets | 86.8652% | 2,759 |
| Equity capital to assets | 12.2687% | 2,066 |
| Core capital (leverage) ratio | 12.1039% | 1,594 |
| Tier 1 risk-based capital ratio | 19.8789% | 1,793 |
| Total risk-based capital ratio | 20.4315% | 1,929 |
| Memoranda: | ||
| Average total assets | $123,913,250 | 4,313 |
| Average earning assets | $115,951,750 | 4,246 |
| Average equity | $14,524,500 | 4,098 |
| Average total loans | $69,163,000 | 4,426 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 4,442 |
| Cost of funding earning assets | 0.8361% | 2,899 |
| Net interest margin | 3.4962% | 4,681 |
| Noninterest income to average assets | 0.4858% | 4,018 |
| Noninterest expense to average assets | 2.9580% | 3,415 |
| Loan and lease loss provision to assets | 0.1518% | 3,627 |
| Net operating income to assets | 0.4490% | 5,041 |
| Return on assets (ROA) | 0.4490% | 5,272 |
| Pretax return on assets | 0.6504% | 4,968 |
| Return on Equity (ROE) | 3.8891% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.4739% | 4,281 |
| Net charge-offs to loans | 0.5079% | 2,059 |
| Credit loss provision to net charge-offs | 54.5977% | 3,939 |
| Earnings coverage of net charge-offs (x) | 2.8851% | 3,587 |
| Efficiency ratio | 78.6655% | 2,377 |
| Assets per employee ($millions) | 3.7468% | 4,428 |
| Cash dividends to net income (ytd only)* | 10.6762% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5755% | 6,954 |
| Loan loss allowance to noncurrent loans | 24.3344% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 1.8990% | 2,907 |
| Noncurrent loans to loans | 2.3648% | 2,541 |
| Net loans and leases to total assets | 54.9149% | 4,643 |
| Net loans and leases to deposits | 62.7764% | 4,903 |
| Net loans and leases to core deposits | 65.2706% | 5,083 |
| Total domestic deposits to total assets | 87.4769% | 2,482 |
| Equity capital to assets | 11.7644% | 2,352 |
| Core capital (leverage) ratio | 11.5649% | 1,863 |
| Tier 1 risk-based capital ratio | 20.3161% | 1,634 |
| Total risk-based capital ratio | 20.8668% | 1,780 |
| Memoranda: | ||
| Average total assets | $125,153,670 | 4,314 |
| Average earning assets | $117,212,670 | 4,234 |
| Average equity | $14,450,670 | 4,103 |
| Average total loans | $68,518,670 | 4,469 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 4,515 |
| Cost of funding earning assets | 0.8594% | 3,000 |
| Net interest margin | 3.4920% | 4,749 |
| Noninterest income to average assets | 0.4765% | 4,093 |
| Noninterest expense to average assets | 2.9386% | 3,479 |
| Loan and lease loss provision to assets | 0.0540% | 4,736 |
| Net operating income to assets | 0.5178% | 4,746 |
| Return on assets (ROA) | 0.5178% | 4,957 |
| Pretax return on assets | 0.7498% | 4,607 |
| Return on Equity (ROE) | 4.5268% | 5,026 |
| Retained earnings to average equity (ytd only) | 4.5268% | 3,864 |
| Net charge-offs to loans | -0.0058% | 5,822 |
| Credit loss provision to net charge-offs | -1,700.0000% | 6,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5229% | 2,423 |
| Assets per employee ($millions) | 3.7176% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7151% | 6,859 |
| Loan loss allowance to noncurrent loans | 22.7589% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 2.2991% | 2,583 |
| Noncurrent loans to loans | 3.1421% | 2,042 |
| Net loans and leases to total assets | 53.8212% | 4,754 |
| Net loans and leases to deposits | 61.2309% | 5,016 |
| Net loans and leases to core deposits | 64.0717% | 5,103 |
| Total domestic deposits to total assets | 87.8987% | 2,395 |
| Equity capital to assets | 11.4470% | 2,486 |
| Core capital (leverage) ratio | 11.1230% | 2,170 |
| Tier 1 risk-based capital ratio | 19.7144% | 1,776 |
| Total risk-based capital ratio | 20.3847% | 1,920 |
| Memoranda: | ||
| Average total assets | $125,908,500 | 4,327 |
| Average earning assets | $117,753,500 | 4,256 |
| Average equity | $14,403,000 | 4,112 |
| Average total loans | $68,632,000 | 4,494 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 4,441 |
| Cost of funding earning assets | 0.9739% | 3,549 |
| Net interest margin | 3.6803% | 4,388 |
| Noninterest income to average assets | 0.5066% | 3,802 |
| Noninterest expense to average assets | 3.0488% | 3,400 |
| Loan and lease loss provision to assets | 0.1045% | 5,278 |
| Net operating income to assets | 0.5825% | 4,087 |
| Return on assets (ROA) | 0.5825% | 4,267 |
| Pretax return on assets | 0.7899% | 4,017 |
| Return on Equity (ROE) | 5.1914% | 4,296 |
| Retained earnings to average equity (ytd only) | 3.4492% | 3,769 |
| Net charge-offs to loans | 0.3604% | 3,603 |
| Credit loss provision to net charge-offs | 53.0120% | 5,348 |
| Earnings coverage of net charge-offs (x) | 4.5382% | 3,076 |
| Efficiency ratio | 77.3183% | 2,692 |
| Assets per employee ($millions) | 3.4838% | 5,053 |
| Cash dividends to net income (ytd only)* | 33.5598% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6881% | 6,922 |
| Loan loss allowance to noncurrent loans | 34.9852% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 1.6800% | 3,432 |
| Noncurrent loans to loans | 1.9667% | 3,252 |
| Net loans and leases to total assets | 54.4352% | 4,966 |
| Net loans and leases to deposits | 62.0161% | 5,242 |
| Net loans and leases to core deposits | 64.1560% | 5,446 |
| Total domestic deposits to total assets | 87.7760% | 2,292 |
| Equity capital to assets | 11.4315% | 2,564 |
| Core capital (leverage) ratio | 11.8689% | 1,675 |
| Tier 1 risk-based capital ratio | 19.5344% | 1,750 |
| Total risk-based capital ratio | 20.1829% | 1,877 |
| Memoranda: | ||
| Average total assets | $126,342,800 | 4,242 |
| Average earning assets | $117,978,600 | 4,184 |
| Average equity | $14,177,200 | 4,072 |
| Average total loans | $69,087,800 | 4,530 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 4,484 |
| Cost of funding earning assets | 1.0066% | 3,633 |
| Net interest margin | 3.6892% | 4,387 |
| Noninterest income to average assets | 0.5130% | 3,775 |
| Noninterest expense to average assets | 3.0295% | 3,442 |
| Loan and lease loss provision to assets | 0.1285% | 4,825 |
| Net operating income to assets | 0.5541% | 4,301 |
| Return on assets (ROA) | 0.5541% | 4,479 |
| Pretax return on assets | 0.8027% | 4,122 |
| Return on Equity (ROE) | 4.9608% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.6779% | 3,400 |
| Net charge-offs to loans | 0.4742% | 2,842 |
| Credit loss provision to net charge-offs | 49.5935% | 5,044 |
| Earnings coverage of net charge-offs (x) | 3.5935% | 3,383 |
| Efficiency ratio | 76.4894% | 2,770 |
| Assets per employee ($millions) | 3.3578% | 5,348 |
| Cash dividends to net income (ytd only)* | 5.7035% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 7,006 |
| Loan loss allowance to noncurrent loans | 63.6986% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.1813% | 4,426 |
| Noncurrent loans to loans | 1.0502% | 4,804 |
| Net loans and leases to total assets | 57.1202% | 4,660 |
| Net loans and leases to deposits | 65.5403% | 4,967 |
| Net loans and leases to core deposits | 68.0947% | 5,168 |
| Total domestic deposits to total assets | 87.1528% | 2,550 |
| Equity capital to assets | 11.8976% | 2,336 |
| Core capital (leverage) ratio | 11.4715% | 2,039 |
| Tier 1 risk-based capital ratio | 19.7132% | 1,757 |
| Total risk-based capital ratio | 20.3562% | 1,874 |
| Memoranda: | ||
| Average total assets | $126,574,250 | 4,259 |
| Average earning assets | $118,288,000 | 4,198 |
| Average equity | $14,137,250 | 4,101 |
| Average total loans | $69,173,750 | 4,564 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 4,501 |
| Cost of funding earning assets | 1.0302% | 3,746 |
| Net interest margin | 3.6782% | 4,366 |
| Noninterest income to average assets | 0.4935% | 3,920 |
| Noninterest expense to average assets | 3.0123% | 3,591 |
| Loan and lease loss provision to assets | 0.1168% | 4,816 |
| Net operating income to assets | 0.5558% | 4,284 |
| Return on assets (ROA) | 0.5558% | 4,410 |
| Pretax return on assets | 0.8048% | 4,009 |
| Return on Equity (ROE) | 5.0798% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.0798% | 2,954 |
| Net charge-offs to loans | 0.0434% | 5,252 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 39.4667% | 748 |
| Efficiency ratio | 76.5730% | 2,926 |
| Assets per employee ($millions) | 3.6563% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 6,583 |
| Loan loss allowance to noncurrent loans | 47.9675% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.8301% | 3,468 |
| Noncurrent loans to loans | 1.9321% | 3,565 |
| Net loans and leases to total assets | 54.2158% | 5,263 |
| Net loans and leases to deposits | 61.6059% | 5,549 |
| Net loans and leases to core deposits | 64.0622% | 5,714 |
| Total domestic deposits to total assets | 88.0042% | 2,136 |
| Equity capital to assets | 11.1495% | 2,810 |
| Core capital (leverage) ratio | 10.9662% | 2,279 |
| Tier 1 risk-based capital ratio | 18.6925% | 1,938 |
| Total risk-based capital ratio | 19.5519% | 2,027 |
| Memoranda: | ||
| Average total assets | $128,471,670 | 4,255 |
| Average earning assets | $120,168,330 | 4,184 |
| Average equity | $14,055,670 | 4,109 |
| Average total loans | $69,060,670 | 4,610 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 5,689 |
| Cost of funding earning assets | 1.0725% | 3,704 |
| Net interest margin | 3.3302% | 5,675 |
| Noninterest income to average assets | 0.5034% | 3,858 |
| Noninterest expense to average assets | 2.8962% | 4,071 |
| Loan and lease loss provision to assets | 0.1429% | 4,223 |
| Net operating income to assets | 0.4009% | 4,942 |
| Return on assets (ROA) | 0.4009% | 5,032 |
| Pretax return on assets | 0.5811% | 4,754 |
| Return on Equity (ROE) | 3.6991% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.6991% | 3,955 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,533 |
| Assets per employee ($millions) | 3.4534% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 6,625 |
| Loan loss allowance to noncurrent loans | 46.0145% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.9174% | 3,417 |
| Noncurrent loans to loans | 2.0195% | 3,547 |
| Net loans and leases to total assets | 52.9826% | 5,454 |
| Net loans and leases to deposits | 60.0176% | 5,726 |
| Net loans and leases to core deposits | 62.7008% | 5,852 |
| Total domestic deposits to total assets | 88.2785% | 2,204 |
| Equity capital to assets | 10.9482% | 2,738 |
| Core capital (leverage) ratio | 10.7738% | 2,380 |
| Tier 1 risk-based capital ratio | 18.7047% | 1,893 |
| Total risk-based capital ratio | 19.5599% | 1,973 |
| Memoranda: | ||
| Average total assets | $128,722,500 | 4,288 |
| Average earning assets | $120,471,500 | 4,207 |
| Average equity | $13,949,500 | 4,118 |
| Average total loans | $68,576,500 | 4,664 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2824% | 3,209 |
| Cost of funding earning assets | 1.2343% | 4,327 |
| Net interest margin | 4.0481% | 2,809 |
| Noninterest income to average assets | 0.4927% | 4,226 |
| Noninterest expense to average assets | 2.9182% | 4,150 |
| Loan and lease loss provision to assets | 0.2724% | 4,624 |
| Net operating income to assets | 0.7870% | 2,858 |
| Return on assets (ROA) | 0.7870% | 2,984 |
| Pretax return on assets | 1.0804% | 2,658 |
| Return on Equity (ROE) | 7.3776% | 2,937 |
| Retained earnings to average equity (ytd only) | 5.2176% | 2,299 |
| Net charge-offs to loans | 0.2796% | 4,625 |
| Credit loss provision to net charge-offs | 174.1294% | 1,930 |
| Earnings coverage of net charge-offs (x) | 8.6468% | 1,943 |
| Efficiency ratio | 68.3251% | 4,499 |
| Assets per employee ($millions) | 3.5046% | 4,926 |
| Cash dividends to net income (ytd only)* | 29.2779% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,838 |
| Loan loss allowance to noncurrent loans | 33.1275% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 1.8717% | 3,520 |
| Noncurrent loans to loans | 2.5879% | 2,946 |
| Net loans and leases to total assets | 52.6178% | 5,835 |
| Net loans and leases to deposits | 59.3883% | 6,116 |
| Net loans and leases to core deposits | 62.2377% | 6,220 |
| Total domestic deposits to total assets | 88.5996% | 1,894 |
| Equity capital to assets | 10.7271% | 2,928 |
| Core capital (leverage) ratio | 11.0914% | 2,089 |
| Tier 1 risk-based capital ratio | 18.4142% | 1,871 |
| Total risk-based capital ratio | 19.2037% | 1,973 |
| Memoranda: | ||
| Average total assets | $128,468,000 | 4,308 |
| Average earning assets | $119,906,800 | 4,231 |
| Average equity | $13,703,600 | 4,212 |
| Average total loans | $71,897,600 | 4,612 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2048% | 3,803 |
| Cost of funding earning assets | 1.2630% | 4,479 |
| Net interest margin | 3.9418% | 3,355 |
| Noninterest income to average assets | 0.5025% | 4,169 |
| Noninterest expense to average assets | 2.9617% | 3,879 |
| Loan and lease loss provision to assets | 0.2299% | 4,775 |
| Net operating income to assets | 0.6803% | 3,508 |
| Return on assets (ROA) | 0.6803% | 3,667 |
| Pretax return on assets | 0.9862% | 3,234 |
| Return on Equity (ROE) | 6.3872% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.3872% | 2,144 |
| Net charge-offs to loans | 0.3615% | 3,855 |
| Credit loss provision to net charge-offs | 112.1827% | 3,768 |
| Earnings coverage of net charge-offs (x) | 5.9340% | 2,637 |
| Efficiency ratio | 70.8914% | 3,901 |
| Assets per employee ($millions) | 3.4818% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6168% | 7,330 |
| Loan loss allowance to noncurrent loans | 31.2458% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 1.7536% | 3,815 |
| Noncurrent loans to loans | 1.9742% | 3,714 |
| Net loans and leases to total assets | 59.6415% | 4,975 |
| Net loans and leases to deposits | 67.9628% | 5,424 |
| Net loans and leases to core deposits | 71.1924% | 5,615 |
| Total domestic deposits to total assets | 87.7561% | 2,126 |
| Equity capital to assets | 11.1294% | 2,830 |
| Core capital (leverage) ratio | 10.7188% | 2,495 |
| Tier 1 risk-based capital ratio | 17.3643% | 2,220 |
| Total risk-based capital ratio | 17.9525% | 2,423 |
| Memoranda: | ||
| Average total assets | $128,167,250 | 4,369 |
| Average earning assets | $119,501,750 | 4,295 |
| Average equity | $13,652,000 | 4,285 |
| Average total loans | $72,667,000 | 4,648 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 4,770 |
| Cost of funding earning assets | 1.2787% | 4,661 |
| Net interest margin | 3.7564% | 4,104 |
| Noninterest income to average assets | 0.4880% | 4,210 |
| Noninterest expense to average assets | 2.9355% | 3,936 |
| Loan and lease loss provision to assets | 0.1905% | 4,974 |
| Net operating income to assets | 0.5979% | 3,888 |
| Return on assets (ROA) | 0.5979% | 4,023 |
| Pretax return on assets | 0.8659% | 3,641 |
| Return on Equity (ROE) | 5.6963% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.6963% | 2,499 |
| Net charge-offs to loans | 0.1058% | 5,097 |
| Credit loss provision to net charge-offs | 323.6842% | 1,132 |
| Earnings coverage of net charge-offs (x) | 17.9474% | 1,312 |
| Efficiency ratio | 73.5351% | 3,554 |
| Assets per employee ($millions) | 3.5237% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 7,219 |
| Loan loss allowance to noncurrent loans | 32.1691% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 1.7713% | 3,800 |
| Noncurrent loans to loans | 2.2141% | 3,470 |
| Net loans and leases to total assets | 57.6912% | 5,459 |
| Net loans and leases to deposits | 65.3700% | 5,885 |
| Net loans and leases to core deposits | 67.7495% | 6,078 |
| Total domestic deposits to total assets | 88.2533% | 1,846 |
| Equity capital to assets | 10.8157% | 3,063 |
| Core capital (leverage) ratio | 10.5342% | 2,601 |
| Tier 1 risk-based capital ratio | 17.1487% | 2,216 |
| Total risk-based capital ratio | 17.8191% | 2,400 |
| Memoranda: | ||
| Average total assets | $129,108,330 | 4,374 |
| Average earning assets | $120,435,670 | 4,301 |
| Average equity | $13,552,670 | 4,302 |
| Average total loans | $71,815,670 | 4,726 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 4,603 |
| Cost of funding earning assets | 1.2747% | 4,966 |
| Net interest margin | 3.8108% | 3,753 |
| Noninterest income to average assets | 0.4238% | 4,707 |
| Noninterest expense to average assets | 2.7704% | 4,602 |
| Loan and lease loss provision to assets | 0.1904% | 4,594 |
| Net operating income to assets | 0.7003% | 3,443 |
| Return on assets (ROA) | 0.7003% | 3,555 |
| Pretax return on assets | 1.0166% | 3,028 |
| Return on Equity (ROE) | 6.7711% | 3,466 |
| Retained earnings to average equity (ytd only) | 6.7711% | 2,234 |
| Net charge-offs to loans | 0.1411% | 4,088 |
| Credit loss provision to net charge-offs | 248.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 15.7200% | 1,367 |
| Efficiency ratio | 69.6525% | 4,384 |
| Assets per employee ($millions) | 3.4404% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 7,382 |
| Loan loss allowance to noncurrent loans | 45.3422% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 1.3111% | 4,571 |
| Noncurrent loans to loans | 1.4926% | 4,508 |
| Net loans and leases to total assets | 54.9928% | 5,894 |
| Net loans and leases to deposits | 62.0921% | 6,265 |
| Net loans and leases to core deposits | 64.4799% | 6,423 |
| Total domestic deposits to total assets | 88.5665% | 1,750 |
| Equity capital to assets | 10.6282% | 3,121 |
| Core capital (leverage) ratio | 10.3567% | 2,761 |
| Tier 1 risk-based capital ratio | 17.2115% | 2,192 |
| Total risk-based capital ratio | 17.8301% | 2,367 |
| Memoranda: | ||
| Average total assets | $130,236,000 | 4,408 |
| Average earning assets | $121,445,000 | 4,340 |
| Average equity | $13,469,000 | 4,359 |
| Average total loans | $70,869,500 | 4,823 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3238% | 5,069 |
| Cost of funding earning assets | 1.3618% | 6,085 |
| Net interest margin | 3.9620% | 3,019 |
| Noninterest income to average assets | 0.5007% | 4,404 |
| Noninterest expense to average assets | 2.9468% | 4,356 |
| Loan and lease loss provision to assets | 0.1467% | 6,189 |
| Net operating income to assets | 0.7933% | 2,558 |
| Return on assets (ROA) | 0.7933% | 2,650 |
| Pretax return on assets | 1.1008% | 2,251 |
| Return on Equity (ROE) | 7.6099% | 2,536 |
| Retained earnings to average equity (ytd only) | 5.5599% | 1,548 |
| Net charge-offs to loans | 0.4748% | 3,880 |
| Credit loss provision to net charge-offs | 55.0296% | 6,695 |
| Earnings coverage of net charge-offs (x) | 4.6805% | 2,853 |
| Efficiency ratio | 70.2576% | 4,571 |
| Assets per employee ($millions) | 3.5994% | 4,784 |
| Cash dividends to net income (ytd only)* | 26.9384% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 7,535 |
| Loan loss allowance to noncurrent loans | 45.8811% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 4,883 |
| Noncurrent loans to loans | 1.3458% | 4,677 |
| Net loans and leases to total assets | 53.1766% | 6,291 |
| Net loans and leases to deposits | 61.4176% | 6,524 |
| Net loans and leases to core deposits | 77.0587% | 6,331 |
| Total domestic deposits to total assets | 86.5820% | 2,713 |
| Equity capital to assets | 10.0684% | 3,667 |
| Core capital (leverage) ratio | 10.6944% | 2,438 |
| Tier 1 risk-based capital ratio | 16.7549% | 2,218 |
| Total risk-based capital ratio | 17.3200% | 2,421 |
| Memoranda: | ||
| Average total assets | $126,814,600 | 4,407 |
| Average earning assets | $118,223,600 | 4,352 |
| Average equity | $13,219,600 | 4,450 |
| Average total loans | $71,194,400 | 4,828 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4280% | 4,805 |
| Cost of funding earning assets | 1.3941% | 6,251 |
| Net interest margin | 4.0339% | 2,662 |
| Noninterest income to average assets | 0.4887% | 4,596 |
| Noninterest expense to average assets | 3.0611% | 3,802 |
| Loan and lease loss provision to assets | 0.1161% | 6,206 |
| Net operating income to assets | 0.7379% | 3,068 |
| Return on assets (ROA) | 0.7379% | 3,133 |
| Pretax return on assets | 1.0701% | 2,674 |
| Return on Equity (ROE) | 7.0146% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.0146% | 1,497 |
| Net charge-offs to loans | 0.1498% | 5,212 |
| Credit loss provision to net charge-offs | 136.2500% | 3,641 |
| Earnings coverage of net charge-offs (x) | 13.9256% | 1,638 |
| Efficiency ratio | 72.0732% | 4,230 |
| Assets per employee ($millions) | 3.1406% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 6,910 |
| Loan loss allowance to noncurrent loans | 56.1483% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 4,333 |
| Noncurrent loans to loans | 1.5405% | 4,334 |
| Net loans and leases to total assets | 58.1080% | 5,873 |
| Net loans and leases to deposits | 66.1748% | 6,294 |
| Net loans and leases to core deposits | 81.4253% | 6,241 |
| Total domestic deposits to total assets | 87.8098% | 1,743 |
| Equity capital to assets | 10.9786% | 3,026 |
| Core capital (leverage) ratio | 10.4716% | 2,815 |
| Tier 1 risk-based capital ratio | 17.0431% | 2,264 |
| Total risk-based capital ratio | 17.8571% | 2,343 |
| Memoranda: | ||
| Average total assets | $125,223,500 | 4,470 |
| Average earning assets | $116,675,750 | 4,418 |
| Average equity | $13,172,250 | 4,495 |
| Average total loans | $71,178,000 | 4,868 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3752% | 5,277 |
| Cost of funding earning assets | 1.4050% | 6,464 |
| Net interest margin | 3.9703% | 2,828 |
| Noninterest income to average assets | 0.4931% | 4,501 |
| Noninterest expense to average assets | 2.9857% | 4,145 |
| Loan and lease loss provision to assets | 0.0523% | 6,704 |
| Net operating income to assets | 0.8007% | 2,853 |
| Return on assets (ROA) | 0.8007% | 2,948 |
| Pretax return on assets | 1.1606% | 2,428 |
| Return on Equity (ROE) | 7.7213% | 2,881 |
| Retained earnings to average equity (ytd only) | 7.7213% | 1,307 |
| Net charge-offs to loans | 0.0028% | 6,584 |
| Credit loss provision to net charge-offs | 3,300.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 765.0000% | 36 |
| Efficiency ratio | 71.1103% | 4,575 |
| Assets per employee ($millions) | 3.3350% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 6,864 |
| Loan loss allowance to noncurrent loans | 81.5445% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.0676% | 4,829 |
| Noncurrent loans to loans | 1.0755% | 5,057 |
| Net loans and leases to total assets | 55.5641% | 6,262 |
| Net loans and leases to deposits | 62.7838% | 6,677 |
| Net loans and leases to core deposits | 75.9008% | 6,686 |
| Total domestic deposits to total assets | 88.5008% | 1,528 |
| Equity capital to assets | 10.4749% | 3,436 |
| Core capital (leverage) ratio | 10.1302% | 3,159 |
| Tier 1 risk-based capital ratio | 16.8006% | 2,364 |
| Total risk-based capital ratio | 17.6174% | 2,446 |
| Memoranda: | ||
| Average total assets | $126,136,670 | 4,473 |
| Average earning assets | $117,725,330 | 4,424 |
| Average equity | $13,080,670 | 4,523 |
| Average total loans | $70,972,670 | 4,918 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4077% | 5,386 |
| Cost of funding earning assets | 1.4696% | 6,505 |
| Net interest margin | 3.9381% | 2,893 |
| Noninterest income to average assets | 0.5118% | 4,212 |
| Noninterest expense to average assets | 2.9561% | 3,952 |
| Loan and lease loss provision to assets | 0.0509% | 6,326 |
| Net operating income to assets | 0.8106% | 3,085 |
| Return on assets (ROA) | 0.8106% | 3,245 |
| Pretax return on assets | 1.1761% | 2,698 |
| Return on Equity (ROE) | 7.8561% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.8561% | 1,872 |
| Net charge-offs to loans | 0.0056% | 5,611 |
| Credit loss provision to net charge-offs | 1,600.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 386.0000% | 90 |
| Efficiency ratio | 70.6687% | 4,435 |
| Assets per employee ($millions) | 3.2933% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 6,958 |
| Loan loss allowance to noncurrent loans | 76.2563% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1467% | 4,381 |
| Noncurrent loans to loans | 1.1183% | 4,746 |
| Net loans and leases to total assets | 56.3906% | 6,183 |
| Net loans and leases to deposits | 63.6632% | 6,590 |
| Net loans and leases to core deposits | 77.2244% | 6,593 |
| Total domestic deposits to total assets | 88.5765% | 1,444 |
| Equity capital to assets | 10.4215% | 3,548 |
| Core capital (leverage) ratio | 9.9452% | 3,462 |
| Tier 1 risk-based capital ratio | 15.8478% | 2,741 |
| Total risk-based capital ratio | 16.6135% | 2,847 |
| Memoranda: | ||
| Average total assets | $125,839,500 | 4,501 |
| Average earning assets | $117,314,000 | 4,447 |
| Average equity | $12,983,500 | 4,581 |
| Average total loans | $70,939,000 | 4,950 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2171% | 4,429 |
| Cost of funding earning assets | 2.0676% | 6,174 |
| Net interest margin | 4.1495% | 2,506 |
| Noninterest income to average assets | 0.6743% | 3,297 |
| Noninterest expense to average assets | 3.2605% | 3,112 |
| Loan and lease loss provision to assets | 0.0185% | 7,153 |
| Net operating income to assets | 0.9197% | 2,919 |
| Return on assets (ROA) | 0.9216% | 2,760 |
| Pretax return on assets | 1.2526% | 2,472 |
| Return on Equity (ROE) | 8.4272% | 2,878 |
| Retained earnings to average equity (ytd only) | 4.7730% | 2,166 |
| Net charge-offs to loans | 0.0756% | 5,677 |
| Credit loss provision to net charge-offs | 42.0000% | 6,435 |
| Earnings coverage of net charge-offs (x) | 28.8200% | 1,200 |
| Efficiency ratio | 71.9922% | 3,937 |
| Assets per employee ($millions) | 3.1634% | 5,581 |
| Cash dividends to net income (ytd only)* | 43.3620% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 6,950 |
| Loan loss allowance to noncurrent loans | 123.5908% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.9239% | 4,527 |
| Noncurrent loans to loans | 0.6775% | 5,341 |
| Net loans and leases to total assets | 55.4072% | 6,496 |
| Net loans and leases to deposits | 62.3918% | 6,915 |
| Net loans and leases to core deposits | 75.1146% | 6,908 |
| Total domestic deposits to total assets | 88.8054% | 1,111 |
| Equity capital to assets | 10.2146% | 3,785 |
| Core capital (leverage) ratio | 10.3579% | 3,113 |
| Tier 1 risk-based capital ratio | 15.3121% | 2,916 |
| Total risk-based capital ratio | 16.0485% | 3,066 |
| Memoranda: | ||
| Average total assets | $113,601,400 | 4,677 |
| Average earning assets | $105,531,800 | 4,626 |
| Average equity | $12,424,000 | 4,722 |
| Average total loans | $66,162,400 | 5,012 |