Home > St. Clair County State Bank > Performance and Condition Ratios
St. Clair County State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1854% | 961 |
| Cost of funding earning assets | 2.0354% | 1,836 |
| Net interest margin | 4.1499% | 1,036 |
| Noninterest income to average assets | 0.2200% | 3,425 |
| Noninterest expense to average assets | 1.8726% | 3,796 |
| Loan and lease loss provision to assets | 0.1400% | 919 |
| Net operating income to assets | 1.6668% | 791 |
| Return on assets (ROA) | 1.6668% | 789 |
| Pretax return on assets | 2.1326% | 557 |
| Return on Equity (ROE) | 12.8700% | 1,517 |
| Retained earnings to average equity (ytd only) | 7.9325% | 1,701 |
| Net charge-offs to loans | 0.0594% | 1,085 |
| Credit loss provision to net charge-offs | 340.9091% | 663 |
| Earnings coverage of net charge-offs (x) | 55.2273% | 951 |
| Efficiency ratio | 45.1715% | 4,132 |
| Assets per employee ($millions) | 6.7176% | 2,406 |
| Cash dividends to net income (ytd only)* | 38.3838% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 1,846 |
| Loan loss allowance to noncurrent loans | 361.5830% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 2,324 |
| Noncurrent loans to loans | 0.3503% | 2,248 |
| Net loans and leases to total assets | 67.9200% | 2,089 |
| Net loans and leases to deposits | 78.6829% | 2,176 |
| Net loans and leases to core deposits | 83.7919% | 2,478 |
| Total domestic deposits to total assets | 86.3200% | 2,184 |
| Equity capital to assets | 13.0176% | 911 |
| Core capital (leverage) ratio | 13.1939% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $213,819,000 | 2,930 |
| Average earning assets | $202,413,500 | 2,900 |
| Average equity | $27,683,500 | 2,554 |
| Average total loans | $148,106,000 | 2,787 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1953% | 1,033 |
| Cost of funding earning assets | 2.0587% | 2,079 |
| Net interest margin | 4.1365% | 1,006 |
| Noninterest income to average assets | 0.8800% | 786 |
| Noninterest expense to average assets | 2.1759% | 3,202 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 2.0230% | 369 |
| Return on assets (ROA) | 2.0230% | 374 |
| Pretax return on assets | 2.5278% | 291 |
| Return on Equity (ROE) | 15.6500% | 836 |
| Retained earnings to average equity (ytd only) | 7.3550% | 1,313 |
| Net charge-offs to loans | -0.0220% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 45.5193% | 4,182 |
| Assets per employee ($millions) | 6.8605% | 2,249 |
| Cash dividends to net income (ytd only)* | 53.0077% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,033 |
| Loan loss allowance to noncurrent loans | 399.1228% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 2,400 |
| Noncurrent loans to loans | 0.3074% | 2,347 |
| Net loans and leases to total assets | 68.8900% | 2,027 |
| Net loans and leases to deposits | 79.5266% | 2,175 |
| Net loans and leases to core deposits | 84.2384% | 2,496 |
| Total domestic deposits to total assets | 86.6300% | 1,988 |
| Equity capital to assets | 12.8760% | 916 |
| Core capital (leverage) ratio | 13.2205% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $205,433,800 | 2,967 |
| Average earning assets | $193,664,000 | 2,932 |
| Average equity | $26,553,400 | 2,544 |
| Average total loans | $141,152,200 | 2,812 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1561% | 1,047 |
| Cost of funding earning assets | 2.0502% | 2,088 |
| Net interest margin | 4.1059% | 1,005 |
| Noninterest income to average assets | 1.1000% | 514 |
| Noninterest expense to average assets | 1.9467% | 3,680 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 2.3127% | 287 |
| Return on assets (ROA) | 2.3127% | 289 |
| Pretax return on assets | 2.9197% | 215 |
| Return on Equity (ROE) | 17.8700% | 600 |
| Retained earnings to average equity (ytd only) | 8.6742% | 1,203 |
| Net charge-offs to loans | -0.0373% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 39.1751% | 4,353 |
| Assets per employee ($millions) | 6.6073% | 2,437 |
| Cash dividends to net income (ytd only)* | 51.4723% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,035 |
| Loan loss allowance to noncurrent loans | 62.4317% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4295% | 383 |
| Noncurrent loans to loans | 1.9763% | 398 |
| Net loans and leases to total assets | 71.4400% | 1,677 |
| Net loans and leases to deposits | 83.3719% | 1,859 |
| Net loans and leases to core deposits | 88.5325% | 2,253 |
| Total domestic deposits to total assets | 85.6900% | 2,044 |
| Equity capital to assets | 13.2756% | 893 |
| Core capital (leverage) ratio | 13.3463% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $203,623,500 | 2,968 |
| Average earning assets | $191,784,250 | 2,943 |
| Average equity | $26,345,750 | 2,552 |
| Average total loans | $139,356,500 | 2,820 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0499% | 1,093 |
| Cost of funding earning assets | 2.0139% | 2,088 |
| Net interest margin | 4.0361% | 1,072 |
| Noninterest income to average assets | 1.5700% | 343 |
| Noninterest expense to average assets | 1.9555% | 3,648 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 2.6060% | 215 |
| Return on assets (ROA) | 2.6060% | 216 |
| Pretax return on assets | 3.2762% | 174 |
| Return on Equity (ROE) | 20.3200% | 435 |
| Retained earnings to average equity (ytd only) | 9.2082% | 1,056 |
| Net charge-offs to loans | -0.0733% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 36.4387% | 4,414 |
| Assets per employee ($millions) | 7.0407% | 2,055 |
| Cash dividends to net income (ytd only)* | 54.6828% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 1,743 |
| Loan loss allowance to noncurrent loans | 168.4259% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 1,282 |
| Noncurrent loans to loans | 0.7713% | 1,208 |
| Net loans and leases to total assets | 67.6900% | 2,160 |
| Net loans and leases to deposits | 78.6679% | 2,314 |
| Net loans and leases to core deposits | 83.3278% | 2,577 |
| Total domestic deposits to total assets | 86.0500% | 1,961 |
| Equity capital to assets | 13.0463% | 859 |
| Core capital (leverage) ratio | 13.2320% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $203,222,333 | 2,974 |
| Average earning assets | $191,373,667 | 2,945 |
| Average equity | $26,063,667 | 2,543 |
| Average total loans | $136,422,333 | 2,843 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9439% | 1,138 |
| Cost of funding earning assets | 1.9625% | 2,088 |
| Net interest margin | 3.9814% | 1,114 |
| Noninterest income to average assets | 2.9500% | 179 |
| Noninterest expense to average assets | 2.0341% | 3,496 |
| Loan and lease loss provision to assets | 0.2700% | 350 |
| Net operating income to assets | 3.4901% | 119 |
| Return on assets (ROA) | 3.4901% | 119 |
| Pretax return on assets | 4.4036% | 104 |
| Return on Equity (ROE) | 27.4500% | 178 |
| Retained earnings to average equity (ytd only) | 10.1643% | 1,069 |
| Net charge-offs to loans | -0.1456% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 30.3235% | 4,462 |
| Assets per employee ($millions) | 7.0704% | 2,041 |
| Cash dividends to net income (ytd only)* | 62.9734% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 1,565 |
| Loan loss allowance to noncurrent loans | 1,623.2143% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,306 |
| Noncurrent loans to loans | 0.0832% | 3,202 |
| Net loans and leases to total assets | 64.7400% | 2,396 |
| Net loans and leases to deposits | 75.1212% | 2,508 |
| Net loans and leases to core deposits | 79.3403% | 2,775 |
| Total domestic deposits to total assets | 86.1800% | 2,032 |
| Equity capital to assets | 12.7296% | 926 |
| Core capital (leverage) ratio | 12.9697% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $202,743,000 | 2,983 |
| Average earning assets | $191,390,000 | 2,951 |
| Average equity | $25,776,500 | 2,563 |
| Average total loans | $134,619,000 | 2,859 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4952% | 1,165 |
| Cost of funding earning assets | 1.3870% | 2,264 |
| Net interest margin | 4.1083% | 1,062 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.9268% | 3,778 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.6124% | 849 |
| Return on assets (ROA) | 1.6124% | 818 |
| Pretax return on assets | 2.0790% | 597 |
| Return on Equity (ROE) | 12.5600% | 1,829 |
| Retained earnings to average equity (ytd only) | 7.5094% | 1,699 |
| Net charge-offs to loans | 0.0333% | 1,632 |
| Credit loss provision to net charge-offs | 340.9091% | 871 |
| Earnings coverage of net charge-offs (x) | 93.7500% | 933 |
| Efficiency ratio | 47.1763% | 4,137 |
| Assets per employee ($millions) | 6.9119% | 2,127 |
| Cash dividends to net income (ytd only)* | 40.1881% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,071 |
| Loan loss allowance to noncurrent loans | 290.2609% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 1,799 |
| Noncurrent loans to loans | 0.4270% | 1,713 |
| Net loans and leases to total assets | 66.3500% | 2,218 |
| Net loans and leases to deposits | 76.5933% | 2,393 |
| Net loans and leases to core deposits | 81.1013% | 2,648 |
| Total domestic deposits to total assets | 86.6300% | 1,810 |
| Equity capital to assets | 12.6978% | 942 |
| Core capital (leverage) ratio | 13.0216% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $191,201,600 | 3,043 |
| Average earning assets | $180,392,800 | 3,005 |
| Average equity | $24,555,800 | 2,546 |
| Average total loans | $132,289,200 | 2,841 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3586% | 1,199 |
| Cost of funding earning assets | 1.2349% | 2,319 |
| Net interest margin | 4.1237% | 1,026 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8811% | 3,833 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.6835% | 814 |
| Return on assets (ROA) | 1.6835% | 805 |
| Pretax return on assets | 2.1522% | 595 |
| Return on Equity (ROE) | 13.0700% | 1,879 |
| Retained earnings to average equity (ytd only) | 8.1538% | 1,907 |
| Net charge-offs to loans | 0.0243% | 1,596 |
| Credit loss provision to net charge-offs | 416.6667% | 706 |
| Earnings coverage of net charge-offs (x) | 131.2083% | 796 |
| Efficiency ratio | 45.8376% | 4,146 |
| Assets per employee ($millions) | 6.6959% | 2,185 |
| Cash dividends to net income (ytd only)* | 37.6101% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,213 |
| Loan loss allowance to noncurrent loans | 254.1085% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 1,697 |
| Noncurrent loans to loans | 0.4842% | 1,615 |
| Net loans and leases to total assets | 67.7600% | 2,073 |
| Net loans and leases to deposits | 78.3743% | 2,211 |
| Net loans and leases to core deposits | 82.4287% | 2,441 |
| Total domestic deposits to total assets | 86.4600% | 2,055 |
| Equity capital to assets | 12.8963% | 834 |
| Core capital (leverage) ratio | 13.0282% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $188,891,000 | 3,069 |
| Average earning assets | $178,250,750 | 3,034 |
| Average equity | $24,331,750 | 2,546 |
| Average total loans | $131,693,750 | 2,850 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1494% | 1,287 |
| Cost of funding earning assets | 1.0269% | 2,512 |
| Net interest margin | 4.1225% | 1,050 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.8757% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7517% | 711 |
| Return on assets (ROA) | 1.7517% | 715 |
| Pretax return on assets | 2.2167% | 520 |
| Return on Equity (ROE) | 13.6000% | 1,771 |
| Retained earnings to average equity (ytd only) | 8.9977% | 1,686 |
| Net charge-offs to loans | 0.0244% | 1,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 129.6250% | 810 |
| Efficiency ratio | 45.8344% | 4,171 |
| Assets per employee ($millions) | 6.5557% | 2,249 |
| Cash dividends to net income (ytd only)* | 33.8621% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 2,745 |
| Loan loss allowance to noncurrent loans | 279.2419% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 1,755 |
| Noncurrent loans to loans | 0.4089% | 1,703 |
| Net loans and leases to total assets | 70.4600% | 1,692 |
| Net loans and leases to deposits | 81.3904% | 1,879 |
| Net loans and leases to core deposits | 86.0945% | 2,064 |
| Total domestic deposits to total assets | 86.5600% | 2,076 |
| Equity capital to assets | 12.9649% | 821 |
| Core capital (leverage) ratio | 13.1102% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $187,128,000 | 3,086 |
| Average earning assets | $176,446,667 | 3,052 |
| Average equity | $24,095,000 | 2,565 |
| Average total loans | $131,185,000 | 2,852 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9296% | 1,362 |
| Cost of funding earning assets | 0.8846% | 2,422 |
| Net interest margin | 4.0450% | 1,189 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.9285% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6484% | 912 |
| Return on assets (ROA) | 1.6484% | 914 |
| Pretax return on assets | 2.0729% | 686 |
| Return on Equity (ROE) | 12.8500% | 2,014 |
| Retained earnings to average equity (ytd only) | 8.6655% | 2,035 |
| Net charge-offs to loans | 0.0248% | 1,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 120.2500% | 707 |
| Efficiency ratio | 48.1960% | 4,069 |
| Assets per employee ($millions) | 6.5138% | 2,335 |
| Cash dividends to net income (ytd only)* | 32.5490% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,578 |
| Loan loss allowance to noncurrent loans | 259.1667% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 1,582 |
| Noncurrent loans to loans | 0.4614% | 1,562 |
| Net loans and leases to total assets | 68.0100% | 1,833 |
| Net loans and leases to deposits | 78.2550% | 1,944 |
| Net loans and leases to core deposits | 82.6272% | 2,085 |
| Total domestic deposits to total assets | 86.9100% | 2,301 |
| Equity capital to assets | 12.7507% | 815 |
| Core capital (leverage) ratio | 12.9659% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $185,635,000 | 3,132 |
| Average earning assets | $174,537,000 | 3,105 |
| Average equity | $23,818,500 | 2,612 |
| Average total loans | $129,031,500 | 2,898 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9984% | 1,722 |
| Cost of funding earning assets | 0.5124% | 1,306 |
| Net interest margin | 3.4860% | 1,970 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.3065% | 2,710 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9960% | 2,578 |
| Return on assets (ROA) | 0.9960% | 2,534 |
| Pretax return on assets | 1.2272% | 2,349 |
| Return on Equity (ROE) | 7.6500% | 3,472 |
| Retained earnings to average equity (ytd only) | 2.7347% | 3,792 |
| Net charge-offs to loans | 0.0282% | 1,498 |
| Credit loss provision to net charge-offs | 44.1176% | 1,846 |
| Earnings coverage of net charge-offs (x) | 65.3824% | 1,195 |
| Efficiency ratio | 65.1185% | 2,347 |
| Assets per employee ($millions) | 6.2886% | 2,523 |
| Cash dividends to net income (ytd only)* | 64.2299% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,291 |
| Loan loss allowance to noncurrent loans | 322.9339% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 1,831 |
| Noncurrent loans to loans | 0.3780% | 1,786 |
| Net loans and leases to total assets | 69.3500% | 1,696 |
| Net loans and leases to deposits | 79.8824% | 1,778 |
| Net loans and leases to core deposits | 83.5738% | 1,900 |
| Total domestic deposits to total assets | 86.8100% | 2,459 |
| Equity capital to assets | 12.9139% | 723 |
| Core capital (leverage) ratio | 13.0907% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $179,927,000 | 3,191 |
| Average earning assets | $170,568,600 | 3,143 |
| Average equity | $23,439,600 | 2,677 |
| Average total loans | $120,612,800 | 2,913 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 1,688 |
| Cost of funding earning assets | 0.4658% | 905 |
| Net interest margin | 3.3536% | 2,123 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.7124% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3443% | 1,223 |
| Return on assets (ROA) | 1.3443% | 1,202 |
| Pretax return on assets | 1.7079% | 890 |
| Return on Equity (ROE) | 10.3000% | 2,635 |
| Retained earnings to average equity (ytd only) | 5.8943% | 2,787 |
| Net charge-offs to loans | -0.0820% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.0652% | 4,159 |
| Assets per employee ($millions) | 6.2613% | 2,530 |
| Cash dividends to net income (ytd only)* | 42.7544% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 1,958 |
| Loan loss allowance to noncurrent loans | 76.9052% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.1852% | 351 |
| Noncurrent loans to loans | 1.7117% | 381 |
| Net loans and leases to total assets | 68.3300% | 1,637 |
| Net loans and leases to deposits | 79.0027% | 1,635 |
| Net loans and leases to core deposits | 81.4390% | 1,802 |
| Total domestic deposits to total assets | 86.4900% | 2,926 |
| Equity capital to assets | 13.1696% | 654 |
| Core capital (leverage) ratio | 13.1496% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $179,316,250 | 3,217 |
| Average earning assets | $170,320,750 | 3,172 |
| Average equity | $23,411,750 | 2,714 |
| Average total loans | $118,757,000 | 2,940 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 1,739 |
| Cost of funding earning assets | 0.4737% | 609 |
| Net interest margin | 3.1604% | 2,327 |
| Noninterest income to average assets | 0.2453% | 3,699 |
| Noninterest expense to average assets | 1.6778% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2421% | 1,299 |
| Return on assets (ROA) | 1.2421% | 1,287 |
| Pretax return on assets | 1.5714% | 1,004 |
| Return on Equity (ROE) | 9.5420% | 2,512 |
| Retained earnings to average equity (ytd only) | 5.2743% | 2,599 |
| Net charge-offs to loans | -0.1116% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6374% | 4,156 |
| Assets per employee ($millions) | 6.5414% | 2,281 |
| Cash dividends to net income (ytd only)* | 44.7250% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 1,828 |
| Loan loss allowance to noncurrent loans | 359.6070% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 2,069 |
| Noncurrent loans to loans | 0.3844% | 1,982 |
| Net loans and leases to total assets | 64.1555% | 1,898 |
| Net loans and leases to deposits | 73.8173% | 1,885 |
| Net loans and leases to core deposits | 75.9657% | 2,019 |
| Total domestic deposits to total assets | 86.9113% | 2,967 |
| Equity capital to assets | 12.8496% | 687 |
| Core capital (leverage) ratio | 13.0601% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,562,667 | 3,256 |
| Average earning assets | $169,726,000 | 3,220 |
| Average equity | $23,244,667 | 2,798 |
| Average total loans | $116,436,000 | 2,982 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5407% | 1,671 |
| Cost of funding earning assets | 0.4874% | 526 |
| Net interest margin | 3.0533% | 2,316 |
| Noninterest income to average assets | 0.2133% | 3,879 |
| Noninterest expense to average assets | 1.6543% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1800% | 1,299 |
| Return on assets (ROA) | 1.1800% | 1,296 |
| Pretax return on assets | 1.4592% | 1,104 |
| Return on Equity (ROE) | 9.0045% | 2,320 |
| Retained earnings to average equity (ytd only) | 4.7274% | 2,692 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1341% | 4,113 |
| Assets per employee ($millions) | 6.5758% | 2,316 |
| Cash dividends to net income (ytd only)* | 47.5000% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 1,948 |
| Loan loss allowance to noncurrent loans | 166.0021% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 1,116 |
| Noncurrent loans to loans | 0.8364% | 1,122 |
| Net loans and leases to total assets | 63.2816% | 1,712 |
| Net loans and leases to deposits | 72.9529% | 1,705 |
| Net loans and leases to core deposits | 74.8657% | 1,864 |
| Total domestic deposits to total assets | 86.7432% | 3,022 |
| Equity capital to assets | 13.0715% | 676 |
| Core capital (leverage) ratio | 13.1373% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,265,000 | 3,290 |
| Average earning assets | $167,425,500 | 3,255 |
| Average equity | $23,099,500 | 2,900 |
| Average total loans | $115,077,500 | 2,998 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 914 |
| Cost of funding earning assets | 0.6257% | 480 |
| Net interest margin | 3.6287% | 1,388 |
| Noninterest income to average assets | 0.2488% | 3,880 |
| Noninterest expense to average assets | 1.7833% | 4,171 |
| Loan and lease loss provision to assets | 0.0587% | 1,885 |
| Net operating income to assets | 1.4700% | 1,081 |
| Return on assets (ROA) | 1.4700% | 1,140 |
| Pretax return on assets | 1.8678% | 789 |
| Return on Equity (ROE) | 11.1980% | 2,098 |
| Retained earnings to average equity (ytd only) | 6.1332% | 2,304 |
| Net charge-offs to loans | 0.0142% | 2,034 |
| Credit loss provision to net charge-offs | 625.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 205.1875% | 533 |
| Efficiency ratio | 48.0702% | 4,399 |
| Assets per employee ($millions) | 6.4809% | 2,350 |
| Cash dividends to net income (ytd only)* | 45.2295% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 2,089 |
| Loan loss allowance to noncurrent loans | 256.8182% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 1,815 |
| Noncurrent loans to loans | 0.5300% | 1,804 |
| Net loans and leases to total assets | 65.5128% | 1,531 |
| Net loans and leases to deposits | 75.6645% | 1,590 |
| Net loans and leases to core deposits | 77.4124% | 1,811 |
| Total domestic deposits to total assets | 86.5833% | 2,678 |
| Equity capital to assets | 13.1389% | 861 |
| Core capital (leverage) ratio | 13.3546% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,410,600 | 3,297 |
| Average earning assets | $162,536,200 | 3,248 |
| Average equity | $22,370,000 | 3,029 |
| Average total loans | $112,662,400 | 3,032 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 738 |
| Cost of funding earning assets | 0.6571% | 483 |
| Net interest margin | 3.7941% | 1,132 |
| Noninterest income to average assets | 0.2544% | 3,873 |
| Noninterest expense to average assets | 1.8330% | 4,097 |
| Loan and lease loss provision to assets | 0.0786% | 1,503 |
| Net operating income to assets | 1.5265% | 1,206 |
| Return on assets (ROA) | 1.5265% | 1,250 |
| Pretax return on assets | 1.9676% | 843 |
| Return on Equity (ROE) | 11.6316% | 2,163 |
| Retained earnings to average equity (ytd only) | 7.6044% | 2,178 |
| Net charge-offs to loans | 0.0191% | 1,671 |
| Credit loss provision to net charge-offs | 625.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 162.3750% | 636 |
| Efficiency ratio | 47.2487% | 4,425 |
| Assets per employee ($millions) | 5.8991% | 2,790 |
| Cash dividends to net income (ytd only)* | 34.6233% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 2,090 |
| Loan loss allowance to noncurrent loans | 325.5144% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 2,355 |
| Noncurrent loans to loans | 0.4250% | 2,291 |
| Net loans and leases to total assets | 65.9128% | 1,560 |
| Net loans and leases to deposits | 76.4945% | 1,623 |
| Net loans and leases to core deposits | 78.4552% | 1,858 |
| Total domestic deposits to total assets | 86.1667% | 2,683 |
| Equity capital to assets | 13.3803% | 880 |
| Core capital (leverage) ratio | 13.1465% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,267,250 | 3,343 |
| Average earning assets | $161,719,750 | 3,288 |
| Average equity | $22,214,750 | 3,069 |
| Average total loans | $111,773,250 | 3,090 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2898% | 1,021 |
| Cost of funding earning assets | 0.6918% | 483 |
| Net interest margin | 3.5980% | 1,599 |
| Noninterest income to average assets | 0.2585% | 3,843 |
| Noninterest expense to average assets | 1.8308% | 4,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4727% | 1,367 |
| Return on assets (ROA) | 1.4727% | 1,429 |
| Pretax return on assets | 1.8688% | 1,079 |
| Return on Equity (ROE) | 11.2962% | 2,303 |
| Retained earnings to average equity (ytd only) | 7.4035% | 2,287 |
| Net charge-offs to loans | 0.0270% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 105.0667% | 727 |
| Efficiency ratio | 49.4872% | 4,273 |
| Assets per employee ($millions) | 5.7840% | 2,819 |
| Cash dividends to net income (ytd only)* | 34.4605% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 2,364 |
| Loan loss allowance to noncurrent loans | 441.3690% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 2,837 |
| Noncurrent loans to loans | 0.2981% | 2,862 |
| Net loans and leases to total assets | 64.0977% | 1,936 |
| Net loans and leases to deposits | 74.0766% | 1,995 |
| Net loans and leases to core deposits | 76.4572% | 2,195 |
| Total domestic deposits to total assets | 86.5290% | 2,537 |
| Equity capital to assets | 12.9270% | 968 |
| Core capital (leverage) ratio | 13.0078% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,665,333 | 3,354 |
| Average earning assets | $161,312,333 | 3,297 |
| Average equity | $21,989,667 | 3,087 |
| Average total loans | $110,917,333 | 3,116 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 1,403 |
| Cost of funding earning assets | 0.7321% | 483 |
| Net interest margin | 3.3612% | 2,214 |
| Noninterest income to average assets | 0.2166% | 4,097 |
| Noninterest expense to average assets | 1.8744% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2344% | 2,026 |
| Return on assets (ROA) | 1.2344% | 2,113 |
| Pretax return on assets | 1.5568% | 1,836 |
| Return on Equity (ROE) | 9.4262% | 2,878 |
| Retained earnings to average equity (ytd only) | 5.4941% | 3,066 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6283% | 3,719 |
| Assets per employee ($millions) | 5.6471% | 2,969 |
| Cash dividends to net income (ytd only)* | 41.7154% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 2,093 |
| Loan loss allowance to noncurrent loans | 276.3838% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 2,412 |
| Noncurrent loans to loans | 0.4964% | 2,363 |
| Net loans and leases to total assets | 63.5681% | 2,097 |
| Net loans and leases to deposits | 73.4127% | 2,167 |
| Net loans and leases to core deposits | 75.9127% | 2,363 |
| Total domestic deposits to total assets | 86.5901% | 2,488 |
| Equity capital to assets | 12.9336% | 932 |
| Core capital (leverage) ratio | 13.2090% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,237,500 | 3,375 |
| Average earning assets | $158,993,000 | 3,314 |
| Average equity | $21,769,000 | 3,097 |
| Average total loans | $110,023,000 | 3,130 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 991 |
| Cost of funding earning assets | 0.8833% | 904 |
| Net interest margin | 3.7679% | 1,591 |
| Noninterest income to average assets | 0.2194% | 4,184 |
| Noninterest expense to average assets | 1.9696% | 4,200 |
| Loan and lease loss provision to assets | 0.0391% | 3,918 |
| Net operating income to assets | 1.4274% | 958 |
| Return on assets (ROA) | 1.4274% | 1,046 |
| Pretax return on assets | 1.8147% | 666 |
| Return on Equity (ROE) | 10.4173% | 1,839 |
| Retained earnings to average equity (ytd only) | 5.7240% | 1,945 |
| Net charge-offs to loans | 0.0036% | 3,242 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 712.0000% | 168 |
| Efficiency ratio | 51.5152% | 4,417 |
| Assets per employee ($millions) | 5.4354% | 2,911 |
| Cash dividends to net income (ytd only)* | 45.0524% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 2,187 |
| Loan loss allowance to noncurrent loans | 360.9639% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 2,888 |
| Noncurrent loans to loans | 0.3744% | 2,862 |
| Net loans and leases to total assets | 67.0649% | 1,944 |
| Net loans and leases to deposits | 77.4918% | 2,122 |
| Net loans and leases to core deposits | 80.6564% | 2,305 |
| Total domestic deposits to total assets | 86.5445% | 2,124 |
| Equity capital to assets | 13.2630% | 1,011 |
| Core capital (leverage) ratio | 13.5433% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,633,200 | 3,359 |
| Average earning assets | $146,952,800 | 3,302 |
| Average equity | $21,051,600 | 3,091 |
| Average total loans | $111,713,400 | 3,073 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 893 |
| Cost of funding earning assets | 0.9166% | 1,013 |
| Net interest margin | 3.8716% | 1,427 |
| Noninterest income to average assets | 0.2098% | 4,221 |
| Noninterest expense to average assets | 1.9901% | 4,162 |
| Loan and lease loss provision to assets | 0.0529% | 3,689 |
| Net operating income to assets | 1.4243% | 1,047 |
| Return on assets (ROA) | 1.4243% | 1,135 |
| Pretax return on assets | 1.8711% | 678 |
| Return on Equity (ROE) | 10.3053% | 1,903 |
| Retained earnings to average equity (ytd only) | 6.0199% | 2,100 |
| Net charge-offs to loans | 0.0036% | 3,040 |
| Credit loss provision to net charge-offs | 2,000.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 727.6667% | 166 |
| Efficiency ratio | 50.8444% | 4,432 |
| Assets per employee ($millions) | 5.2184% | 2,997 |
| Cash dividends to net income (ytd only)* | 41.5842% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 1,985 |
| Loan loss allowance to noncurrent loans | 78.2359% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 665 |
| Noncurrent loans to loans | 1.7174% | 792 |
| Net loans and leases to total assets | 70.3074% | 1,906 |
| Net loans and leases to deposits | 81.7880% | 2,122 |
| Net loans and leases to core deposits | 85.2889% | 2,363 |
| Total domestic deposits to total assets | 85.9630% | 2,090 |
| Equity capital to assets | 13.6492% | 957 |
| Core capital (leverage) ratio | 13.7559% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,275,750 | 3,370 |
| Average earning assets | $144,741,000 | 3,309 |
| Average equity | $20,907,750 | 3,099 |
| Average total loans | $111,927,750 | 3,079 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9938% | 833 |
| Cost of funding earning assets | 0.9557% | 1,126 |
| Net interest margin | 4.0381% | 1,245 |
| Noninterest income to average assets | 0.2087% | 4,238 |
| Noninterest expense to average assets | 2.0225% | 4,188 |
| Loan and lease loss provision to assets | 0.0803% | 3,287 |
| Net operating income to assets | 1.4915% | 940 |
| Return on assets (ROA) | 1.4915% | 1,017 |
| Pretax return on assets | 1.9717% | 579 |
| Return on Equity (ROE) | 10.7447% | 1,721 |
| Retained earnings to average equity (ytd only) | 6.6203% | 1,818 |
| Net charge-offs to loans | 0.0054% | 2,770 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 511.3333% | 202 |
| Efficiency ratio | 49.6389% | 4,518 |
| Assets per employee ($millions) | 5.1265% | 3,030 |
| Cash dividends to net income (ytd only)* | 38.3857% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 1,866 |
| Loan loss allowance to noncurrent loans | 236.4353% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 2,009 |
| Noncurrent loans to loans | 0.5639% | 2,473 |
| Net loans and leases to total assets | 72.1332% | 1,681 |
| Net loans and leases to deposits | 83.9231% | 2,005 |
| Net loans and leases to core deposits | 87.5755% | 2,294 |
| Total domestic deposits to total assets | 85.9515% | 2,028 |
| Equity capital to assets | 13.7266% | 916 |
| Core capital (leverage) ratio | 13.9318% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,517,333 | 3,365 |
| Average earning assets | $143,137,333 | 3,308 |
| Average equity | $20,754,333 | 3,103 |
| Average total loans | $112,048,333 | 3,065 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 1,121 |
| Cost of funding earning assets | 0.9874% | 1,477 |
| Net interest margin | 3.9412% | 1,547 |
| Noninterest income to average assets | 0.1954% | 4,377 |
| Noninterest expense to average assets | 2.0356% | 4,334 |
| Loan and lease loss provision to assets | 0.0814% | 2,683 |
| Net operating income to assets | 1.4059% | 963 |
| Return on assets (ROA) | 1.4059% | 1,044 |
| Pretax return on assets | 1.8483% | 632 |
| Return on Equity (ROE) | 10.0700% | 1,725 |
| Retained earnings to average equity (ytd only) | 5.9098% | 1,909 |
| Net charge-offs to loans | 0.0107% | 2,194 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 294 |
| Efficiency ratio | 51.3347% | 4,589 |
| Assets per employee ($millions) | 4.7712% | 2,910 |
| Cash dividends to net income (ytd only)* | 41.3127% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 2,005 |
| Loan loss allowance to noncurrent loans | 215.7122% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 2,037 |
| Noncurrent loans to loans | 0.6161% | 2,447 |
| Net loans and leases to total assets | 73.7438% | 1,651 |
| Net loans and leases to deposits | 86.2183% | 1,972 |
| Net loans and leases to core deposits | 90.5042% | 2,296 |
| Total domestic deposits to total assets | 85.5315% | 2,199 |
| Equity capital to assets | 14.0141% | 1,049 |
| Core capital (leverage) ratio | 14.0622% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,378,000 | 3,361 |
| Average earning assets | $140,973,000 | 3,298 |
| Average equity | $20,576,000 | 3,112 |
| Average total loans | $111,854,000 | 3,058 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 1,201 |
| Cost of funding earning assets | 0.9359% | 2,031 |
| Net interest margin | 4.1702% | 1,375 |
| Noninterest income to average assets | 0.2207% | 4,345 |
| Noninterest expense to average assets | 2.0953% | 4,379 |
| Loan and lease loss provision to assets | 0.0210% | 3,602 |
| Net operating income to assets | 1.6078% | 827 |
| Return on assets (ROA) | 1.6078% | 884 |
| Pretax return on assets | 2.0974% | 480 |
| Return on Equity (ROE) | 11.6192% | 1,648 |
| Retained earnings to average equity (ytd only) | 6.4103% | 1,661 |
| Net charge-offs to loans | 0.0412% | 2,565 |
| Credit loss provision to net charge-offs | 65.2174% | 2,974 |
| Earnings coverage of net charge-offs (x) | 65.9348% | 921 |
| Efficiency ratio | 49.7265% | 4,743 |
| Assets per employee ($millions) | 4.7370% | 2,916 |
| Cash dividends to net income (ytd only)* | 44.8306% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,050 |
| Loan loss allowance to noncurrent loans | 332.2581% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 2,450 |
| Noncurrent loans to loans | 0.3835% | 3,063 |
| Net loans and leases to total assets | 76.0814% | 1,396 |
| Net loans and leases to deposits | 88.6804% | 1,746 |
| Net loans and leases to core deposits | 93.1088% | 2,148 |
| Total domestic deposits to total assets | 85.7928% | 2,143 |
| Equity capital to assets | 13.9083% | 1,131 |
| Core capital (leverage) ratio | 14.1640% | 889 |
| Tier 1 risk-based capital ratio | 17.6162% | 1,860 |
| Total risk-based capital ratio | 18.8599% | 1,817 |
| Memoranda: | ||
| Average total assets | $143,178,400 | 3,393 |
| Average earning assets | $137,092,000 | 3,324 |
| Average equity | $19,812,000 | 3,150 |
| Average total loans | $111,757,800 | 3,058 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1274% | 1,224 |
| Cost of funding earning assets | 0.9257% | 2,110 |
| Net interest margin | 4.2017% | 1,378 |
| Noninterest income to average assets | 0.2118% | 4,452 |
| Noninterest expense to average assets | 2.1547% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5970% | 941 |
| Return on assets (ROA) | 1.5970% | 983 |
| Pretax return on assets | 2.0816% | 573 |
| Return on Equity (ROE) | 11.5567% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.9042% | 1,911 |
| Net charge-offs to loans | -0.0036% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8628% | 4,688 |
| Assets per employee ($millions) | 4.4613% | 3,266 |
| Cash dividends to net income (ytd only)* | 40.2581% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,009 |
| Loan loss allowance to noncurrent loans | 173.7218% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 1,749 |
| Noncurrent loans to loans | 0.7428% | 2,104 |
| Net loans and leases to total assets | 78.2826% | 1,097 |
| Net loans and leases to deposits | 91.8088% | 1,461 |
| Net loans and leases to core deposits | 96.7803% | 1,935 |
| Total domestic deposits to total assets | 85.2670% | 2,316 |
| Equity capital to assets | 14.1299% | 1,099 |
| Core capital (leverage) ratio | 14.0306% | 977 |
| Tier 1 risk-based capital ratio | 17.4693% | 1,951 |
| Total risk-based capital ratio | 18.7199% | 1,920 |
| Memoranda: | ||
| Average total assets | $142,261,000 | 3,441 |
| Average earning assets | $136,258,250 | 3,371 |
| Average equity | $19,659,000 | 3,188 |
| Average total loans | $111,405,750 | 3,095 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 1,266 |
| Cost of funding earning assets | 0.9036% | 2,122 |
| Net interest margin | 4.1787% | 1,411 |
| Noninterest income to average assets | 0.2139% | 4,461 |
| Noninterest expense to average assets | 2.1521% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5792% | 951 |
| Return on assets (ROA) | 1.5792% | 989 |
| Pretax return on assets | 2.0648% | 598 |
| Return on Equity (ROE) | 11.5148% | 1,776 |
| Retained earnings to average equity (ytd only) | 7.1223% | 1,750 |
| Net charge-offs to loans | -0.0072% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0347% | 4,721 |
| Assets per employee ($millions) | 4.3331% | 3,393 |
| Cash dividends to net income (ytd only)* | 38.1462% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 2,005 |
| Loan loss allowance to noncurrent loans | 232.0635% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 2,123 |
| Noncurrent loans to loans | 0.5614% | 2,582 |
| Net loans and leases to total assets | 77.4643% | 1,320 |
| Net loans and leases to deposits | 90.3380% | 1,699 |
| Net loans and leases to core deposits | 93.5777% | 2,274 |
| Total domestic deposits to total assets | 85.7495% | 2,159 |
| Equity capital to assets | 13.8785% | 1,172 |
| Core capital (leverage) ratio | 13.9064% | 995 |
| Tier 1 risk-based capital ratio | 17.3814% | 1,972 |
| Total risk-based capital ratio | 18.6330% | 1,929 |
| Memoranda: | ||
| Average total assets | $142,094,330 | 3,462 |
| Average earning assets | $136,118,670 | 3,392 |
| Average equity | $19,488,000 | 3,197 |
| Average total loans | $110,801,670 | 3,120 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,511 |
| Cost of funding earning assets | 0.8756% | 2,119 |
| Net interest margin | 4.0596% | 1,666 |
| Noninterest income to average assets | 0.1977% | 4,575 |
| Noninterest expense to average assets | 2.1321% | 4,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5052% | 1,102 |
| Return on assets (ROA) | 1.5052% | 1,131 |
| Pretax return on assets | 1.9542% | 695 |
| Return on Equity (ROE) | 11.0412% | 1,932 |
| Retained earnings to average equity (ytd only) | 6.5667% | 2,215 |
| Net charge-offs to loans | 0.0073% | 2,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 346.0000% | 230 |
| Efficiency ratio | 52.1769% | 4,683 |
| Assets per employee ($millions) | 4.3182% | 3,462 |
| Cash dividends to net income (ytd only)* | 40.5253% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 1,989 |
| Loan loss allowance to noncurrent loans | 83.2000% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 861 |
| Noncurrent loans to loans | 1.5889% | 999 |
| Net loans and leases to total assets | 76.2663% | 1,435 |
| Net loans and leases to deposits | 88.8156% | 1,765 |
| Net loans and leases to core deposits | 91.4916% | 2,346 |
| Total domestic deposits to total assets | 85.8704% | 2,332 |
| Equity capital to assets | 13.6623% | 1,146 |
| Core capital (leverage) ratio | 13.6878% | 1,030 |
| Tier 1 risk-based capital ratio | 17.3309% | 2,001 |
| Total risk-based capital ratio | 18.5816% | 1,944 |
| Memoranda: | ||
| Average total assets | $141,646,000 | 3,510 |
| Average earning assets | $135,679,500 | 3,429 |
| Average equity | $19,309,500 | 3,220 |
| Average total loans | $110,088,000 | 3,169 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6944% | 1,838 |
| Cost of funding earning assets | 0.7562% | 1,751 |
| Net interest margin | 3.9382% | 2,197 |
| Noninterest income to average assets | 0.3629% | 3,666 |
| Noninterest expense to average assets | 2.1580% | 4,433 |
| Loan and lease loss provision to assets | 0.0759% | 2,606 |
| Net operating income to assets | 1.4618% | 1,232 |
| Return on assets (ROA) | 1.4618% | 1,222 |
| Pretax return on assets | 1.9013% | 721 |
| Return on Equity (ROE) | 10.8857% | 2,137 |
| Retained earnings to average equity (ytd only) | 6.1104% | 2,139 |
| Net charge-offs to loans | 0.0481% | 2,469 |
| Credit loss provision to net charge-offs | 198.1132% | 1,457 |
| Earnings coverage of net charge-offs (x) | 51.6038% | 1,113 |
| Efficiency ratio | 52.1853% | 4,780 |
| Assets per employee ($millions) | 4.2664% | 3,518 |
| Cash dividends to net income (ytd only)* | 43.8675% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 1,927 |
| Loan loss allowance to noncurrent loans | 94.3689% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 979 |
| Noncurrent loans to loans | 1.4040% | 1,109 |
| Net loans and leases to total assets | 77.1227% | 1,422 |
| Net loans and leases to deposits | 89.5587% | 1,853 |
| Net loans and leases to core deposits | 92.0927% | 2,396 |
| Total domestic deposits to total assets | 86.1141% | 2,175 |
| Equity capital to assets | 13.6018% | 1,105 |
| Core capital (leverage) ratio | 13.7227% | 1,002 |
| Tier 1 risk-based capital ratio | 17.0585% | 2,044 |
| Total risk-based capital ratio | 18.3100% | 1,987 |
| Memoranda: | ||
| Average total assets | $138,325,200 | 3,531 |
| Average earning assets | $132,497,000 | 3,459 |
| Average equity | $18,574,800 | 3,235 |
| Average total loans | $110,184,600 | 3,129 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 1,817 |
| Cost of funding earning assets | 0.7388% | 1,625 |
| Net interest margin | 3.9145% | 2,241 |
| Noninterest income to average assets | 0.3679% | 3,667 |
| Noninterest expense to average assets | 2.1736% | 4,383 |
| Loan and lease loss provision to assets | 0.1017% | 1,968 |
| Net operating income to assets | 1.4155% | 1,432 |
| Return on assets (ROA) | 1.4155% | 1,435 |
| Pretax return on assets | 1.8425% | 923 |
| Return on Equity (ROE) | 10.5761% | 2,359 |
| Retained earnings to average equity (ytd only) | 6.6119% | 2,328 |
| Net charge-offs to loans | 0.0641% | 1,915 |
| Credit loss provision to net charge-offs | 198.1132% | 1,394 |
| Earnings coverage of net charge-offs (x) | 37.8895% | 1,399 |
| Efficiency ratio | 52.7863% | 4,729 |
| Assets per employee ($millions) | 4.1966% | 3,578 |
| Cash dividends to net income (ytd only)* | 37.4831% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,071 |
| Loan loss allowance to noncurrent loans | 104.0685% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2181% | 1,143 |
| Noncurrent loans to loans | 1.2548% | 1,345 |
| Net loans and leases to total assets | 79.5702% | 1,080 |
| Net loans and leases to deposits | 92.5356% | 1,559 |
| Net loans and leases to core deposits | 95.6546% | 2,148 |
| Total domestic deposits to total assets | 85.9888% | 2,196 |
| Equity capital to assets | 13.6437% | 1,078 |
| Core capital (leverage) ratio | 13.5508% | 1,088 |
| Tier 1 risk-based capital ratio | 16.7085% | 2,204 |
| Total risk-based capital ratio | 17.9589% | 2,151 |
| Memoranda: | ||
| Average total assets | $137,709,000 | 3,575 |
| Average earning assets | $131,916,250 | 3,507 |
| Average equity | $18,431,000 | 3,264 |
| Average total loans | $110,221,000 | 3,152 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 1,804 |
| Cost of funding earning assets | 0.7158% | 1,541 |
| Net interest margin | 3.8754% | 2,289 |
| Noninterest income to average assets | 0.3769% | 3,634 |
| Noninterest expense to average assets | 2.1652% | 4,452 |
| Loan and lease loss provision to assets | 0.1310% | 1,517 |
| Net operating income to assets | 1.3692% | 1,540 |
| Return on assets (ROA) | 1.3692% | 1,543 |
| Pretax return on assets | 1.7912% | 983 |
| Return on Equity (ROE) | 10.2975% | 2,427 |
| Retained earnings to average equity (ytd only) | 6.6972% | 2,211 |
| Net charge-offs to loans | 0.0583% | 1,771 |
| Credit loss provision to net charge-offs | 281.2500% | 1,056 |
| Earnings coverage of net charge-offs (x) | 41.2813% | 1,266 |
| Efficiency ratio | 52.9726% | 4,788 |
| Assets per employee ($millions) | 4.1684% | 3,631 |
| Cash dividends to net income (ytd only)* | 34.9628% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,043 |
| Loan loss allowance to noncurrent loans | 79.0924% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 844 |
| Noncurrent loans to loans | 1.6783% | 951 |
| Net loans and leases to total assets | 79.1150% | 1,148 |
| Net loans and leases to deposits | 91.8063% | 1,607 |
| Net loans and leases to core deposits | 93.9728% | 2,221 |
| Total domestic deposits to total assets | 86.1760% | 2,201 |
| Equity capital to assets | 13.5158% | 1,098 |
| Core capital (leverage) ratio | 13.4611% | 1,074 |
| Tier 1 risk-based capital ratio | 15.9890% | 2,443 |
| Total risk-based capital ratio | 17.2403% | 2,382 |
| Memoranda: | ||
| Average total assets | $137,449,000 | 3,606 |
| Average earning assets | $131,597,670 | 3,532 |
| Average equity | $18,276,330 | 3,303 |
| Average total loans | $109,743,330 | 3,175 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 1,801 |
| Cost of funding earning assets | 0.7063% | 1,407 |
| Net interest margin | 3.8147% | 2,361 |
| Noninterest income to average assets | 0.3290% | 3,950 |
| Noninterest expense to average assets | 2.1573% | 4,519 |
| Loan and lease loss provision to assets | 0.1310% | 1,442 |
| Net operating income to assets | 1.3101% | 1,611 |
| Return on assets (ROA) | 1.3101% | 1,616 |
| Pretax return on assets | 1.6886% | 1,144 |
| Return on Equity (ROE) | 9.9346% | 2,471 |
| Retained earnings to average equity (ytd only) | 6.2257% | 2,615 |
| Net charge-offs to loans | 0.1425% | 961 |
| Credit loss provision to net charge-offs | 115.3846% | 1,413 |
| Earnings coverage of net charge-offs (x) | 16.0256% | 1,641 |
| Efficiency ratio | 54.2460% | 4,776 |
| Assets per employee ($millions) | 3.7353% | 4,365 |
| Cash dividends to net income (ytd only)* | 37.3333% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,249 |
| Loan loss allowance to noncurrent loans | 65.2797% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.8154% | 663 |
| Noncurrent loans to loans | 1.9910% | 803 |
| Net loans and leases to total assets | 77.5864% | 1,299 |
| Net loans and leases to deposits | 89.7524% | 1,718 |
| Net loans and leases to core deposits | 91.8497% | 2,314 |
| Total domestic deposits to total assets | 86.4449% | 2,342 |
| Equity capital to assets | 13.2172% | 1,151 |
| Core capital (leverage) ratio | 13.3164% | 1,065 |
| Tier 1 risk-based capital ratio | 15.8996% | 2,520 |
| Total risk-based capital ratio | 17.1286% | 2,467 |
| Memoranda: | ||
| Average total assets | $137,394,500 | 3,640 |
| Average earning assets | $131,386,000 | 3,572 |
| Average equity | $18,118,500 | 3,342 |
| Average total loans | $109,468,500 | 3,200 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 1,542 |
| Cost of funding earning assets | 0.6690% | 1,188 |
| Net interest margin | 3.8900% | 2,119 |
| Noninterest income to average assets | 0.3322% | 4,093 |
| Noninterest expense to average assets | 2.1380% | 4,679 |
| Loan and lease loss provision to assets | 0.0556% | 3,117 |
| Net operating income to assets | 1.2385% | 1,397 |
| Return on assets (ROA) | 1.2385% | 1,415 |
| Pretax return on assets | 1.8644% | 657 |
| Return on Equity (ROE) | 9.4922% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.1156% | 2,057 |
| Net charge-offs to loans | 0.0171% | 3,523 |
| Credit loss provision to net charge-offs | 394.7368% | 767 |
| Earnings coverage of net charge-offs (x) | 136.2632% | 508 |
| Efficiency ratio | 52.6864% | 5,063 |
| Assets per employee ($millions) | 3.5943% | 4,580 |
| Cash dividends to net income (ytd only)* | 46.1078% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,348 |
| Loan loss allowance to noncurrent loans | 217.9845% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 2,154 |
| Noncurrent loans to loans | 0.5848% | 2,756 |
| Net loans and leases to total assets | 79.7244% | 999 |
| Net loans and leases to deposits | 92.0791% | 1,513 |
| Net loans and leases to core deposits | 94.0060% | 2,193 |
| Total domestic deposits to total assets | 86.5825% | 2,199 |
| Equity capital to assets | 13.1568% | 1,187 |
| Core capital (leverage) ratio | 13.4111% | 1,002 |
| Tier 1 risk-based capital ratio | 15.4254% | 2,650 |
| Total risk-based capital ratio | 16.6323% | 2,607 |
| Memoranda: | ||
| Average total assets | $134,844,800 | 3,683 |
| Average earning assets | $129,153,000 | 3,597 |
| Average equity | $17,593,400 | 3,415 |
| Average total loans | $110,923,400 | 3,167 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 1,474 |
| Cost of funding earning assets | 0.6640% | 1,154 |
| Net interest margin | 3.8957% | 2,056 |
| Noninterest income to average assets | 0.3353% | 4,132 |
| Noninterest expense to average assets | 2.1496% | 4,636 |
| Loan and lease loss provision to assets | 0.0298% | 3,526 |
| Net operating income to assets | 1.2618% | 1,464 |
| Return on assets (ROA) | 1.2618% | 1,494 |
| Pretax return on assets | 1.8867% | 709 |
| Return on Equity (ROE) | 9.6916% | 2,263 |
| Retained earnings to average equity (ytd only) | 6.3392% | 2,036 |
| Net charge-offs to loans | 0.0168% | 3,175 |
| Credit loss provision to net charge-offs | 214.2857% | 1,279 |
| Earnings coverage of net charge-offs (x) | 137.9721% | 570 |
| Efficiency ratio | 52.8666% | 5,034 |
| Assets per employee ($millions) | 3.5248% | 4,694 |
| Cash dividends to net income (ytd only)* | 34.5910% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,752 |
| Loan loss allowance to noncurrent loans | 143.1866% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 1,746 |
| Noncurrent loans to loans | 0.8577% | 2,221 |
| Net loans and leases to total assets | 82.0257% | 679 |
| Net loans and leases to deposits | 95.2772% | 1,174 |
| Net loans and leases to core deposits | 97.3153% | 1,944 |
| Total domestic deposits to total assets | 86.0916% | 2,272 |
| Equity capital to assets | 13.3738% | 1,217 |
| Core capital (leverage) ratio | 13.3242% | 1,094 |
| Tier 1 risk-based capital ratio | 15.5721% | 2,684 |
| Total risk-based capital ratio | 16.7595% | 2,654 |
| Memoranda: | ||
| Average total assets | $134,410,250 | 3,721 |
| Average earning assets | $128,719,000 | 3,638 |
| Average equity | $17,499,250 | 3,461 |
| Average total loans | $111,080,250 | 3,191 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 1,485 |
| Cost of funding earning assets | 0.6599% | 1,089 |
| Net interest margin | 3.8521% | 2,087 |
| Noninterest income to average assets | 0.3389% | 4,126 |
| Noninterest expense to average assets | 2.1476% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2693% | 1,375 |
| Return on assets (ROA) | 1.2693% | 1,406 |
| Pretax return on assets | 1.8786% | 693 |
| Return on Equity (ROE) | 9.8380% | 2,110 |
| Retained earnings to average equity (ytd only) | 6.4396% | 1,880 |
| Net charge-offs to loans | 0.0198% | 2,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 114.9091% | 596 |
| Efficiency ratio | 53.3407% | 5,069 |
| Assets per employee ($millions) | 3.3879% | 4,876 |
| Cash dividends to net income (ytd only)* | 34.5433% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 3,007 |
| Loan loss allowance to noncurrent loans | 146.9813% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 1,897 |
| Noncurrent loans to loans | 0.8176% | 2,358 |
| Net loans and leases to total assets | 81.2316% | 784 |
| Net loans and leases to deposits | 93.6493% | 1,299 |
| Net loans and leases to core deposits | 95.6120% | 2,014 |
| Total domestic deposits to total assets | 86.7402% | 2,071 |
| Equity capital to assets | 13.0170% | 1,372 |
| Core capital (leverage) ratio | 13.0612% | 1,156 |
| Tier 1 risk-based capital ratio | 15.3687% | 2,771 |
| Total risk-based capital ratio | 16.5353% | 2,741 |
| Memoranda: | ||
| Average total assets | $134,566,670 | 3,746 |
| Average earning assets | $128,812,000 | 3,658 |
| Average equity | $17,361,330 | 3,485 |
| Average total loans | $111,029,670 | 3,207 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,417 |
| Cost of funding earning assets | 0.6573% | 1,039 |
| Net interest margin | 3.8253% | 2,030 |
| Noninterest income to average assets | 0.3222% | 4,244 |
| Noninterest expense to average assets | 2.1000% | 4,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2737% | 1,311 |
| Return on assets (ROA) | 1.2737% | 1,345 |
| Pretax return on assets | 1.8853% | 662 |
| Return on Equity (ROE) | 9.9175% | 1,999 |
| Retained earnings to average equity (ytd only) | 6.5498% | 2,054 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6946% | 5,233 |
| Assets per employee ($millions) | 3.4488% | 4,857 |
| Cash dividends to net income (ytd only)* | 33.9578% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,960 |
| Loan loss allowance to noncurrent loans | 52.3662% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.1293% | 596 |
| Noncurrent loans to loans | 2.3430% | 697 |
| Net loans and leases to total assets | 80.8021% | 722 |
| Net loans and leases to deposits | 93.1917% | 1,200 |
| Net loans and leases to core deposits | 94.8211% | 1,908 |
| Total domestic deposits to total assets | 86.7052% | 2,355 |
| Equity capital to assets | 12.9097% | 1,294 |
| Core capital (leverage) ratio | 12.9816% | 1,151 |
| Tier 1 risk-based capital ratio | 15.3150% | 2,826 |
| Total risk-based capital ratio | 16.5057% | 2,792 |
| Memoranda: | ||
| Average total assets | $134,092,500 | 3,777 |
| Average earning assets | $128,408,500 | 3,698 |
| Average equity | $17,222,000 | 3,513 |
| Average total loans | $110,834,500 | 3,236 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 1,774 |
| Cost of funding earning assets | 0.6547% | 1,028 |
| Net interest margin | 3.7631% | 2,457 |
| Noninterest income to average assets | 0.4271% | 3,698 |
| Noninterest expense to average assets | 2.1984% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2571% | 1,338 |
| Return on assets (ROA) | 1.2571% | 1,418 |
| Pretax return on assets | 1.8326% | 735 |
| Return on Equity (ROE) | 9.9432% | 1,979 |
| Retained earnings to average equity (ytd only) | 5.4807% | 2,025 |
| Net charge-offs to loans | 0.0405% | 3,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 953 |
| Efficiency ratio | 54.5369% | 5,195 |
| Assets per employee ($millions) | 3.3420% | 4,989 |
| Cash dividends to net income (ytd only)* | 44.8795% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 3,066 |
| Loan loss allowance to noncurrent loans | 167.9104% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 2,309 |
| Noncurrent loans to loans | 0.7202% | 2,736 |
| Net loans and leases to total assets | 82.5001% | 538 |
| Net loans and leases to deposits | 94.9016% | 1,101 |
| Net loans and leases to core deposits | 96.5845% | 1,873 |
| Total domestic deposits to total assets | 86.9323% | 2,185 |
| Equity capital to assets | 12.7767% | 1,359 |
| Core capital (leverage) ratio | 12.9302% | 1,159 |
| Tier 1 risk-based capital ratio | 15.0146% | 2,956 |
| Total risk-based capital ratio | 16.2013% | 2,921 |
| Memoranda: | ||
| Average total assets | $132,053,000 | 3,797 |
| Average earning assets | $126,465,800 | 3,715 |
| Average equity | $16,694,800 | 3,591 |
| Average total loans | $108,562,400 | 3,230 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 1,917 |
| Cost of funding earning assets | 0.6587% | 1,012 |
| Net interest margin | 3.7215% | 2,634 |
| Noninterest income to average assets | 0.4315% | 3,683 |
| Noninterest expense to average assets | 2.1552% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2619% | 1,412 |
| Return on assets (ROA) | 1.2619% | 1,510 |
| Pretax return on assets | 1.8413% | 820 |
| Return on Equity (ROE) | 10.0087% | 2,047 |
| Retained earnings to average equity (ytd only) | 6.4341% | 1,945 |
| Net charge-offs to loans | 0.0049% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 454.7730% | 193 |
| Efficiency ratio | 53.9280% | 5,247 |
| Assets per employee ($millions) | 3.2788% | 5,073 |
| Cash dividends to net income (ytd only)* | 35.7144% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,894 |
| Loan loss allowance to noncurrent loans | 109.4488% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.1864% | 1,680 |
| Noncurrent loans to loans | 1.1517% | 1,948 |
| Net loans and leases to total assets | 83.0206% | 509 |
| Net loans and leases to deposits | 95.8714% | 1,061 |
| Net loans and leases to core deposits | 97.3674% | 1,874 |
| Total domestic deposits to total assets | 86.5958% | 2,088 |
| Equity capital to assets | 12.9414% | 1,514 |
| Core capital (leverage) ratio | 12.8359% | 1,249 |
| Tier 1 risk-based capital ratio | 15.6614% | 2,764 |
| Total risk-based capital ratio | 16.9116% | 2,695 |
| Memoranda: | ||
| Average total assets | $131,646,000 | 3,824 |
| Average earning assets | $126,109,500 | 3,735 |
| Average equity | $16,598,500 | 3,639 |
| Average total loans | $107,793,750 | 3,261 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 2,010 |
| Cost of funding earning assets | 0.6575% | 1,015 |
| Net interest margin | 3.6852% | 2,754 |
| Noninterest income to average assets | 0.4476% | 3,542 |
| Noninterest expense to average assets | 2.1288% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2670% | 1,369 |
| Return on assets (ROA) | 1.2670% | 1,484 |
| Pretax return on assets | 1.8481% | 792 |
| Return on Equity (ROE) | 10.1374% | 1,991 |
| Retained earnings to average equity (ytd only) | 7.4058% | 1,428 |
| Net charge-offs to loans | 0.0075% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 304.5000% | 221 |
| Efficiency ratio | 53.5292% | 5,348 |
| Assets per employee ($millions) | 3.0594% | 5,361 |
| Cash dividends to net income (ytd only)* | 26.9461% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,889 |
| Loan loss allowance to noncurrent loans | 129.9065% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.9844% | 2,174 |
| Noncurrent loans to loans | 0.9875% | 2,304 |
| Net loans and leases to total assets | 81.3096% | 708 |
| Net loans and leases to deposits | 93.5901% | 1,325 |
| Net loans and leases to core deposits | 95.0403% | 2,059 |
| Total domestic deposits to total assets | 86.8784% | 1,971 |
| Equity capital to assets | 12.7575% | 1,630 |
| Core capital (leverage) ratio | 12.6387% | 1,287 |
| Tier 1 risk-based capital ratio | 15.6729% | 2,795 |
| Total risk-based capital ratio | 16.9233% | 2,726 |
| Memoranda: | ||
| Average total assets | $131,810,330 | 3,849 |
| Average earning assets | $126,236,000 | 3,757 |
| Average equity | $16,473,670 | 3,666 |
| Average total loans | $106,967,000 | 3,287 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,127 |
| Cost of funding earning assets | 0.6596% | 999 |
| Net interest margin | 3.6434% | 2,914 |
| Noninterest income to average assets | 0.4911% | 3,186 |
| Noninterest expense to average assets | 2.1343% | 5,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2642% | 1,358 |
| Return on assets (ROA) | 1.2642% | 1,448 |
| Pretax return on assets | 1.8403% | 783 |
| Return on Equity (ROE) | 10.2212% | 1,891 |
| Retained earnings to average equity (ytd only) | 7.5250% | 1,652 |
| Net charge-offs to loans | 0.0075% | 2,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 303.5000% | 197 |
| Efficiency ratio | 53.6995% | 5,410 |
| Assets per employee ($millions) | 3.3096% | 5,112 |
| Cash dividends to net income (ytd only)* | 26.3789% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,914 |
| Loan loss allowance to noncurrent loans | 75.8170% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.5568% | 1,290 |
| Noncurrent loans to loans | 1.7116% | 1,314 |
| Net loans and leases to total assets | 79.9758% | 811 |
| Net loans and leases to deposits | 91.7676% | 1,378 |
| Net loans and leases to core deposits | 93.1712% | 2,073 |
| Total domestic deposits to total assets | 87.1504% | 2,131 |
| Equity capital to assets | 12.4440% | 1,718 |
| Core capital (leverage) ratio | 12.7543% | 1,252 |
| Tier 1 risk-based capital ratio | 15.5092% | 2,910 |
| Total risk-based capital ratio | 16.7603% | 2,845 |
| Memoranda: | ||
| Average total assets | $131,938,500 | 3,884 |
| Average earning assets | $126,146,500 | 3,785 |
| Average equity | $16,319,000 | 3,692 |
| Average total loans | $106,272,500 | 3,309 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 2,861 |
| Cost of funding earning assets | 0.6862% | 880 |
| Net interest margin | 3.4279% | 3,805 |
| Noninterest income to average assets | 0.4049% | 3,997 |
| Noninterest expense to average assets | 2.0691% | 5,318 |
| Loan and lease loss provision to assets | 0.0207% | 3,979 |
| Net operating income to assets | 1.1072% | 1,888 |
| Return on assets (ROA) | 1.1072% | 1,955 |
| Pretax return on assets | 1.5966% | 1,255 |
| Return on Equity (ROE) | 9.1192% | 2,401 |
| Retained earnings to average equity (ytd only) | 5.0374% | 2,388 |
| Net charge-offs to loans | 0.0259% | 3,713 |
| Credit loss provision to net charge-offs | 103.8462% | 2,414 |
| Earnings coverage of net charge-offs (x) | 80.9615% | 691 |
| Efficiency ratio | 56.1276% | 5,334 |
| Assets per employee ($millions) | 3.2873% | 5,171 |
| Cash dividends to net income (ytd only)* | 44.7606% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 2,777 |
| Loan loss allowance to noncurrent loans | 140.6660% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 2,356 |
| Noncurrent loans to loans | 0.9413% | 2,448 |
| Net loans and leases to total assets | 79.0033% | 992 |
| Net loans and leases to deposits | 90.3503% | 1,573 |
| Net loans and leases to core deposits | 91.9726% | 2,227 |
| Total domestic deposits to total assets | 87.4411% | 1,908 |
| Equity capital to assets | 12.2928% | 1,748 |
| Core capital (leverage) ratio | 12.4760% | 1,360 |
| Tier 1 risk-based capital ratio | 15.4234% | 2,973 |
| Total risk-based capital ratio | 16.6745% | 2,910 |
| Memoranda: | ||
| Average total assets | $130,151,800 | 3,886 |
| Average earning assets | $124,595,400 | 3,794 |
| Average equity | $15,801,800 | 3,709 |
| Average total loans | $100,325,000 | 3,380 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 3,056 |
| Cost of funding earning assets | 0.6986% | 843 |
| Net interest margin | 3.3728% | 4,068 |
| Noninterest income to average assets | 0.4077% | 4,025 |
| Noninterest expense to average assets | 2.0685% | 5,347 |
| Loan and lease loss provision to assets | 0.0277% | 3,694 |
| Net operating income to assets | 1.0764% | 2,110 |
| Return on assets (ROA) | 1.0764% | 2,196 |
| Pretax return on assets | 1.5447% | 1,560 |
| Return on Equity (ROE) | 8.8936% | 2,635 |
| Retained earnings to average equity (ytd only) | 6.0507% | 2,213 |
| Net charge-offs to loans | 0.0417% | 3,050 |
| Credit loss provision to net charge-offs | 87.0968% | 2,510 |
| Earnings coverage of net charge-offs (x) | 49.3898% | 1,067 |
| Efficiency ratio | 56.8124% | 5,248 |
| Assets per employee ($millions) | 3.2858% | 5,145 |
| Cash dividends to net income (ytd only)* | 31.9659% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 2,758 |
| Loan loss allowance to noncurrent loans | 111.5663% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.1565% | 2,054 |
| Noncurrent loans to loans | 1.2247% | 2,084 |
| Net loans and leases to total assets | 78.2442% | 1,063 |
| Net loans and leases to deposits | 89.8030% | 1,676 |
| Net loans and leases to core deposits | 91.0706% | 2,350 |
| Total domestic deposits to total assets | 87.1286% | 1,967 |
| Equity capital to assets | 12.5537% | 1,715 |
| Core capital (leverage) ratio | 12.4547% | 1,440 |
| Tier 1 risk-based capital ratio | 15.9277% | 2,832 |
| Total risk-based capital ratio | 17.1792% | 2,775 |
| Memoranda: | ||
| Average total assets | $129,816,750 | 3,930 |
| Average earning assets | $124,442,500 | 3,843 |
| Average equity | $15,711,250 | 3,762 |
| Average total loans | $99,087,000 | 3,431 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,377 |
| Cost of funding earning assets | 0.7105% | 803 |
| Net interest margin | 3.2677% | 4,427 |
| Noninterest income to average assets | 0.3958% | 4,104 |
| Noninterest expense to average assets | 2.0249% | 5,480 |
| Loan and lease loss provision to assets | 0.0399% | 3,317 |
| Net operating income to assets | 1.0155% | 2,311 |
| Return on assets (ROA) | 1.0155% | 2,423 |
| Pretax return on assets | 1.4635% | 1,754 |
| Return on Equity (ROE) | 8.4948% | 2,795 |
| Retained earnings to average equity (ytd only) | 5.6076% | 2,460 |
| Net charge-offs to loans | 0.0265% | 3,149 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 75.3846% | 742 |
| Efficiency ratio | 57.3913% | 5,295 |
| Assets per employee ($millions) | 3.3226% | 5,123 |
| Cash dividends to net income (ytd only)* | 33.9879% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 2,769 |
| Loan loss allowance to noncurrent loans | 580.5785% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 4,344 |
| Noncurrent loans to loans | 0.2408% | 4,794 |
| Net loans and leases to total assets | 76.4796% | 1,299 |
| Net loans and leases to deposits | 87.3716% | 1,900 |
| Net loans and leases to core deposits | 88.5813% | 2,500 |
| Total domestic deposits to total assets | 87.5337% | 1,890 |
| Equity capital to assets | 12.1993% | 1,877 |
| Core capital (leverage) ratio | 12.1471% | 1,564 |
| Tier 1 risk-based capital ratio | 15.8291% | 2,939 |
| Total risk-based capital ratio | 17.0807% | 2,902 |
| Memoranda: | ||
| Average total assets | $130,374,000 | 3,955 |
| Average earning assets | $124,981,000 | 3,861 |
| Average equity | $15,586,000 | 3,797 |
| Average total loans | $98,231,000 | 3,470 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 3,507 |
| Cost of funding earning assets | 0.7196% | 774 |
| Net interest margin | 3.2064% | 4,589 |
| Noninterest income to average assets | 0.3762% | 4,194 |
| Noninterest expense to average assets | 1.9974% | 5,582 |
| Loan and lease loss provision to assets | 0.0459% | 3,006 |
| Net operating income to assets | 0.9849% | 2,330 |
| Return on assets (ROA) | 0.9849% | 2,455 |
| Pretax return on assets | 1.4132% | 1,846 |
| Return on Equity (ROE) | 8.3231% | 2,797 |
| Retained earnings to average equity (ytd only) | 5.4798% | 2,791 |
| Net charge-offs to loans | 0.0494% | 2,293 |
| Credit loss provision to net charge-offs | 125.0000% | 1,404 |
| Earnings coverage of net charge-offs (x) | 39.7500% | 977 |
| Efficiency ratio | 57.7876% | 5,360 |
| Assets per employee ($millions) | 3.4429% | 5,008 |
| Cash dividends to net income (ytd only)* | 34.1615% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 2,728 |
| Loan loss allowance to noncurrent loans | 172.5587% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 3,052 |
| Noncurrent loans to loans | 0.8359% | 3,155 |
| Net loans and leases to total assets | 72.9080% | 1,671 |
| Net loans and leases to deposits | 83.1049% | 2,197 |
| Net loans and leases to core deposits | 84.2969% | 2,735 |
| Total domestic deposits to total assets | 87.7301% | 1,970 |
| Equity capital to assets | 11.9107% | 2,091 |
| Core capital (leverage) ratio | 11.8418% | 1,746 |
| Tier 1 risk-based capital ratio | 13.9328% | 4,069 |
| Total risk-based capital ratio | 15.1810% | 3,991 |
| Memoranda: | ||
| Average total assets | $130,770,500 | 3,977 |
| Average earning assets | $125,623,000 | 3,877 |
| Average equity | $15,475,000 | 3,836 |
| Average total loans | $97,092,500 | 3,502 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,524 |
| Cost of funding earning assets | 0.7620% | 795 |
| Net interest margin | 3.2879% | 4,626 |
| Noninterest income to average assets | 0.3809% | 4,338 |
| Noninterest expense to average assets | 1.9888% | 5,781 |
| Loan and lease loss provision to assets | 0.0467% | 3,635 |
| Net operating income to assets | 1.0376% | 2,225 |
| Return on assets (ROA) | 1.0376% | 2,305 |
| Pretax return on assets | 1.4949% | 1,562 |
| Return on Equity (ROE) | 8.8391% | 2,665 |
| Retained earnings to average equity (ytd only) | 4.6253% | 2,883 |
| Net charge-offs to loans | 0.0272% | 4,280 |
| Credit loss provision to net charge-offs | 230.7692% | 1,090 |
| Earnings coverage of net charge-offs (x) | 76.1154% | 661 |
| Efficiency ratio | 56.3327% | 5,635 |
| Assets per employee ($millions) | 3.4397% | 4,990 |
| Cash dividends to net income (ytd only)* | 47.6727% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 2,802 |
| Loan loss allowance to noncurrent loans | 260.8614% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 3,764 |
| Noncurrent loans to loans | 0.5482% | 4,020 |
| Net loans and leases to total assets | 73.4525% | 1,676 |
| Net loans and leases to deposits | 83.5777% | 2,266 |
| Net loans and leases to core deposits | 84.7051% | 2,824 |
| Total domestic deposits to total assets | 87.8853% | 1,831 |
| Equity capital to assets | 11.7567% | 2,204 |
| Core capital (leverage) ratio | 11.9550% | 1,656 |
| Tier 1 risk-based capital ratio | 17.7722% | 2,208 |
| Total risk-based capital ratio | 19.0263% | 2,173 |
| Memoranda: | ||
| Average total assets | $128,368,200 | 4,006 |
| Average earning assets | $122,966,000 | 3,902 |
| Average equity | $15,069,400 | 3,819 |
| Average total loans | $95,635,400 | 3,514 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 3,579 |
| Cost of funding earning assets | 0.7723% | 790 |
| Net interest margin | 3.2720% | 4,711 |
| Noninterest income to average assets | 0.3725% | 4,448 |
| Noninterest expense to average assets | 1.9731% | 5,813 |
| Loan and lease loss provision to assets | 0.0470% | 3,442 |
| Net operating income to assets | 1.0382% | 2,289 |
| Return on assets (ROA) | 1.0382% | 2,346 |
| Pretax return on assets | 1.4910% | 1,671 |
| Return on Equity (ROE) | 8.8471% | 2,764 |
| Retained earnings to average equity (ytd only) | 5.8685% | 2,488 |
| Net charge-offs to loans | 0.0350% | 3,787 |
| Credit loss provision to net charge-offs | 180.0000% | 1,385 |
| Earnings coverage of net charge-offs (x) | 58.9643% | 872 |
| Efficiency ratio | 56.1961% | 5,644 |
| Assets per employee ($millions) | 3.3565% | 5,126 |
| Cash dividends to net income (ytd only)* | 33.6688% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 3,085 |
| Loan loss allowance to noncurrent loans | 353.5897% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 4,332 |
| Noncurrent loans to loans | 0.4011% | 4,705 |
| Net loans and leases to total assets | 75.1488% | 1,341 |
| Net loans and leases to deposits | 85.8809% | 1,918 |
| Net loans and leases to core deposits | 87.0707% | 2,534 |
| Total domestic deposits to total assets | 87.5034% | 2,028 |
| Equity capital to assets | 12.0199% | 2,039 |
| Core capital (leverage) ratio | 11.9096% | 1,756 |
| Tier 1 risk-based capital ratio | 17.8618% | 2,252 |
| Total risk-based capital ratio | 19.1159% | 2,215 |
| Memoranda: | ||
| Average total assets | $127,783,000 | 4,051 |
| Average earning assets | $122,572,750 | 3,938 |
| Average equity | $14,995,000 | 3,857 |
| Average total loans | $95,193,750 | 3,557 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,664 |
| Cost of funding earning assets | 0.7695% | 836 |
| Net interest margin | 3.2475% | 4,790 |
| Noninterest income to average assets | 0.3723% | 4,457 |
| Noninterest expense to average assets | 1.9803% | 5,862 |
| Loan and lease loss provision to assets | 0.0469% | 3,368 |
| Net operating income to assets | 1.0245% | 2,224 |
| Return on assets (ROA) | 1.0245% | 2,291 |
| Pretax return on assets | 1.4610% | 1,670 |
| Return on Equity (ROE) | 8.8020% | 2,695 |
| Retained earnings to average equity (ytd only) | 5.7784% | 2,466 |
| Net charge-offs to loans | 0.0508% | 3,248 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 40.1667% | 1,059 |
| Efficiency ratio | 56.7713% | 5,678 |
| Assets per employee ($millions) | 3.5159% | 4,814 |
| Cash dividends to net income (ytd only)* | 34.3511% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 3,195 |
| Loan loss allowance to noncurrent loans | 150.9956% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 3,215 |
| Noncurrent loans to loans | 0.9476% | 3,353 |
| Net loans and leases to total assets | 72.2844% | 1,689 |
| Net loans and leases to deposits | 82.2256% | 2,224 |
| Net loans and leases to core deposits | 83.3332% | 2,810 |
| Total domestic deposits to total assets | 87.9098% | 1,955 |
| Equity capital to assets | 11.6090% | 2,317 |
| Core capital (leverage) ratio | 11.7672% | 1,812 |
| Tier 1 risk-based capital ratio | 17.8310% | 2,298 |
| Total risk-based capital ratio | 19.0856% | 2,267 |
| Memoranda: | ||
| Average total assets | $127,861,670 | 4,076 |
| Average earning assets | $122,680,670 | 3,956 |
| Average equity | $14,883,000 | 3,875 |
| Average total loans | $94,515,330 | 3,578 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 3,597 |
| Cost of funding earning assets | 0.7706% | 875 |
| Net interest margin | 3.2528% | 4,732 |
| Noninterest income to average assets | 0.3471% | 4,596 |
| Noninterest expense to average assets | 2.0292% | 5,826 |
| Loan and lease loss provision to assets | 0.0473% | 3,147 |
| Net operating income to assets | 1.0193% | 2,132 |
| Return on assets (ROA) | 1.0193% | 2,199 |
| Pretax return on assets | 1.4012% | 1,741 |
| Return on Equity (ROE) | 8.7454% | 2,574 |
| Retained earnings to average equity (ytd only) | 5.7671% | 2,661 |
| Net charge-offs to loans | 0.1276% | 1,951 |
| Credit loss provision to net charge-offs | 50.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | 15.3000% | 1,554 |
| Efficiency ratio | 58.3485% | 5,613 |
| Assets per employee ($millions) | 3.5466% | 4,833 |
| Cash dividends to net income (ytd only)* | 34.0557% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 3,468 |
| Loan loss allowance to noncurrent loans | 137.0031% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.0566% | 3,140 |
| Noncurrent loans to loans | 1.0429% | 3,340 |
| Net loans and leases to total assets | 72.6190% | 1,474 |
| Net loans and leases to deposits | 82.7490% | 1,975 |
| Net loans and leases to core deposits | 83.8840% | 2,529 |
| Total domestic deposits to total assets | 87.7581% | 2,376 |
| Equity capital to assets | 11.6537% | 2,134 |
| Core capital (leverage) ratio | 11.8070% | 1,757 |
| Tier 1 risk-based capital ratio | 18.0840% | 2,264 |
| Total risk-based capital ratio | 19.3384% | 2,231 |
| Memoranda: | ||
| Average total assets | $126,748,000 | 4,132 |
| Average earning assets | $121,986,000 | 4,000 |
| Average equity | $14,773,500 | 3,903 |
| Average total loans | $94,073,500 | 3,606 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2014% | 3,346 |
| Cost of funding earning assets | 0.9016% | 731 |
| Net interest margin | 3.2998% | 4,664 |
| Noninterest income to average assets | 0.4478% | 4,099 |
| Noninterest expense to average assets | 1.9274% | 6,145 |
| Loan and lease loss provision to assets | 0.1053% | 3,034 |
| Net operating income to assets | 1.0075% | 2,294 |
| Return on assets (ROA) | 1.0075% | 2,353 |
| Pretax return on assets | 1.5776% | 1,227 |
| Return on Equity (ROE) | 8.7071% | 2,697 |
| Retained earnings to average equity (ytd only) | 4.2976% | 3,117 |
| Net charge-offs to loans | 0.0187% | 5,068 |
| Credit loss provision to net charge-offs | 764.7059% | 321 |
| Earnings coverage of net charge-offs (x) | 122.2353% | 385 |
| Efficiency ratio | 53.3872% | 6,185 |
| Assets per employee ($millions) | 3.4005% | 5,087 |
| Cash dividends to net income (ytd only)* | 50.6431% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 3,447 |
| Loan loss allowance to noncurrent loans | 103.7405% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.3217% | 2,774 |
| Noncurrent loans to loans | 1.3923% | 2,807 |
| Net loans and leases to total assets | 73.6981% | 1,400 |
| Net loans and leases to deposits | 83.8946% | 1,954 |
| Net loans and leases to core deposits | 84.8356% | 2,578 |
| Total domestic deposits to total assets | 87.8461% | 2,270 |
| Equity capital to assets | 11.6579% | 2,057 |
| Core capital (leverage) ratio | 11.8884% | 1,688 |
| Tier 1 risk-based capital ratio | 18.1753% | 2,192 |
| Total risk-based capital ratio | 19.4304% | 2,151 |
| Memoranda: | ||
| Average total assets | $123,479,400 | 4,198 |
| Average earning assets | $118,342,200 | 4,080 |
| Average equity | $14,287,200 | 4,006 |
| Average total loans | $91,046,200 | 3,666 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,266 |
| Cost of funding earning assets | 0.9356% | 687 |
| Net interest margin | 3.2963% | 4,652 |
| Noninterest income to average assets | 0.7160% | 2,529 |
| Noninterest expense to average assets | 1.9680% | 6,071 |
| Loan and lease loss provision to assets | 0.1248% | 2,733 |
| Net operating income to assets | 1.1999% | 1,639 |
| Return on assets (ROA) | 1.1999% | 1,708 |
| Pretax return on assets | 1.7804% | 944 |
| Return on Equity (ROE) | 10.3906% | 2,040 |
| Retained earnings to average equity (ytd only) | 7.2903% | 1,744 |
| Net charge-offs to loans | 0.0266% | 4,593 |
| Credit loss provision to net charge-offs | 638.8889% | 447 |
| Earnings coverage of net charge-offs (x) | 97.5529% | 508 |
| Efficiency ratio | 50.8123% | 6,348 |
| Assets per employee ($millions) | 3.2094% | 5,476 |
| Cash dividends to net income (ytd only)* | 29.8373% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 3,528 |
| Loan loss allowance to noncurrent loans | 93.3936% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.4767% | 2,723 |
| Noncurrent loans to loans | 1.5860% | 2,789 |
| Net loans and leases to total assets | 73.2443% | 1,411 |
| Net loans and leases to deposits | 85.0694% | 1,737 |
| Net loans and leases to core deposits | 86.0719% | 2,399 |
| Total domestic deposits to total assets | 86.0994% | 3,196 |
| Equity capital to assets | 11.9688% | 1,937 |
| Core capital (leverage) ratio | 11.8989% | 1,739 |
| Tier 1 risk-based capital ratio | 18.9173% | 2,016 |
| Total risk-based capital ratio | 20.1732% | 1,972 |
| Memoranda: | ||
| Average total assets | $122,894,250 | 4,254 |
| Average earning assets | $117,706,250 | 4,134 |
| Average equity | $14,192,000 | 4,080 |
| Average total loans | $90,286,250 | 3,706 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 3,307 |
| Cost of funding earning assets | 0.9809% | 595 |
| Net interest margin | 3.2326% | 4,829 |
| Noninterest income to average assets | 0.4626% | 4,074 |
| Noninterest expense to average assets | 1.8067% | 6,366 |
| Loan and lease loss provision to assets | 0.1461% | 2,510 |
| Net operating income to assets | 1.0827% | 1,983 |
| Return on assets (ROA) | 1.0827% | 2,099 |
| Pretax return on assets | 1.6071% | 1,355 |
| Return on Equity (ROE) | 9.4899% | 2,424 |
| Retained earnings to average equity (ytd only) | 6.3598% | 2,227 |
| Net charge-offs to loans | 0.0311% | 4,253 |
| Credit loss provision to net charge-offs | 642.8571% | 456 |
| Earnings coverage of net charge-offs (x) | 77.1429% | 587 |
| Efficiency ratio | 50.7524% | 6,371 |
| Assets per employee ($millions) | 3.2391% | 5,391 |
| Cash dividends to net income (ytd only)* | 32.9835% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 3,773 |
| Loan loss allowance to noncurrent loans | 162.0098% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 4,085 |
| Noncurrent loans to loans | 0.9009% | 4,126 |
| Net loans and leases to total assets | 72.5146% | 1,480 |
| Net loans and leases to deposits | 83.6302% | 1,851 |
| Net loans and leases to core deposits | 84.5940% | 2,477 |
| Total domestic deposits to total assets | 86.7086% | 2,994 |
| Equity capital to assets | 11.5877% | 2,230 |
| Core capital (leverage) ratio | 11.5546% | 1,894 |
| Tier 1 risk-based capital ratio | 18.4226% | 2,167 |
| Total risk-based capital ratio | 19.6778% | 2,132 |
| Memoranda: | ||
| Average total assets | $123,206,000 | 4,275 |
| Average earning assets | $118,049,000 | 4,156 |
| Average equity | $14,057,000 | 4,139 |
| Average total loans | $90,158,000 | 3,720 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 3,242 |
| Cost of funding earning assets | 1.0171% | 559 |
| Net interest margin | 3.1971% | 4,945 |
| Noninterest income to average assets | 0.4575% | 4,070 |
| Noninterest expense to average assets | 1.8367% | 6,387 |
| Loan and lease loss provision to assets | 0.1460% | 2,416 |
| Net operating income to assets | 1.0287% | 2,109 |
| Return on assets (ROA) | 1.0287% | 2,225 |
| Pretax return on assets | 1.5349% | 1,470 |
| Return on Equity (ROE) | 9.0870% | 2,446 |
| Retained earnings to average equity (ytd only) | 5.9338% | 2,712 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2140% | 6,364 |
| Assets per employee ($millions) | 3.3419% | 5,351 |
| Cash dividends to net income (ytd only)* | 34.7003% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 4,034 |
| Loan loss allowance to noncurrent loans | 70.1249% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.7598% | 2,650 |
| Noncurrent loans to loans | 2.0601% | 2,552 |
| Net loans and leases to total assets | 71.2273% | 1,487 |
| Net loans and leases to deposits | 82.0346% | 1,822 |
| Net loans and leases to core deposits | 82.9924% | 2,459 |
| Total domestic deposits to total assets | 86.8259% | 3,064 |
| Equity capital to assets | 11.3666% | 2,563 |
| Core capital (leverage) ratio | 11.3957% | 1,948 |
| Tier 1 risk-based capital ratio | 18.3384% | 2,248 |
| Total risk-based capital ratio | 19.5936% | 2,209 |
| Memoranda: | ||
| Average total assets | $123,265,500 | 4,325 |
| Average earning assets | $117,981,500 | 4,198 |
| Average equity | $13,954,000 | 4,209 |
| Average total loans | $89,948,000 | 3,751 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 3,179 |
| Cost of funding earning assets | 1.1268% | 818 |
| Net interest margin | 3.4307% | 4,778 |
| Noninterest income to average assets | 0.5186% | 3,780 |
| Noninterest expense to average assets | 2.0836% | 6,160 |
| Loan and lease loss provision to assets | 0.0755% | 4,778 |
| Net operating income to assets | 1.1261% | 1,852 |
| Return on assets (ROA) | 1.1261% | 2,021 |
| Pretax return on assets | 1.6321% | 1,300 |
| Return on Equity (ROE) | 9.9156% | 2,208 |
| Retained earnings to average equity (ytd only) | 5.4824% | 2,390 |
| Net charge-offs to loans | 0.0205% | 5,620 |
| Credit loss provision to net charge-offs | 500.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 113.0556% | 337 |
| Efficiency ratio | 54.9579% | 6,178 |
| Assets per employee ($millions) | 3.0720% | 5,898 |
| Cash dividends to net income (ytd only)* | 44.7094% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,279 |
| Loan loss allowance to noncurrent loans | 157.7215% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 4,413 |
| Noncurrent loans to loans | 0.8726% | 4,434 |
| Net loans and leases to total assets | 72.6609% | 1,397 |
| Net loans and leases to deposits | 83.5220% | 1,811 |
| Net loans and leases to core deposits | 84.6986% | 2,467 |
| Total domestic deposits to total assets | 86.9962% | 2,849 |
| Equity capital to assets | 11.2737% | 2,655 |
| Core capital (leverage) ratio | 11.6062% | 1,801 |
| Tier 1 risk-based capital ratio | 17.7623% | 2,360 |
| Total risk-based capital ratio | 19.0167% | 2,318 |
| Memoranda: | ||
| Average total assets | $119,168,800 | 4,376 |
| Average earning assets | $113,680,800 | 4,259 |
| Average equity | $13,534,200 | 4,249 |
| Average total loans | $87,878,600 | 3,796 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 3,269 |
| Cost of funding earning assets | 1.1515% | 860 |
| Net interest margin | 3.4332% | 4,909 |
| Noninterest income to average assets | 0.5221% | 3,791 |
| Noninterest expense to average assets | 2.0714% | 6,221 |
| Loan and lease loss provision to assets | 0.0767% | 4,681 |
| Net operating income to assets | 1.1242% | 2,008 |
| Return on assets (ROA) | 1.1242% | 2,204 |
| Pretax return on assets | 1.6486% | 1,416 |
| Return on Equity (ROE) | 9.8800% | 2,406 |
| Retained earnings to average equity (ytd only) | 6.5107% | 2,373 |
| Net charge-offs to loans | 0.0107% | 5,561 |
| Credit loss provision to net charge-offs | 971.4286% | 294 |
| Earnings coverage of net charge-offs (x) | 218.6442% | 205 |
| Efficiency ratio | 54.5590% | 6,195 |
| Assets per employee ($millions) | 3.0042% | 6,049 |
| Cash dividends to net income (ytd only)* | 34.1022% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 4,467 |
| Loan loss allowance to noncurrent loans | 92.3019% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.3341% | 3,631 |
| Noncurrent loans to loans | 1.4940% | 3,545 |
| Net loans and leases to total assets | 75.3854% | 1,063 |
| Net loans and leases to deposits | 87.3819% | 1,431 |
| Net loans and leases to core deposits | 88.5497% | 2,152 |
| Total domestic deposits to total assets | 86.2711% | 3,106 |
| Equity capital to assets | 11.7581% | 2,477 |
| Core capital (leverage) ratio | 11.6682% | 1,857 |
| Tier 1 risk-based capital ratio | 18.0027% | 2,347 |
| Total risk-based capital ratio | 19.2571% | 2,319 |
| Memoranda: | ||
| Average total assets | $118,241,250 | 4,439 |
| Average earning assets | $112,777,000 | 4,327 |
| Average equity | $13,454,500 | 4,306 |
| Average total loans | $87,215,500 | 3,855 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 3,538 |
| Cost of funding earning assets | 1.1730% | 926 |
| Net interest margin | 3.3846% | 5,139 |
| Noninterest income to average assets | 0.5228% | 3,765 |
| Noninterest expense to average assets | 2.0489% | 6,336 |
| Loan and lease loss provision to assets | 0.0759% | 4,672 |
| Net operating income to assets | 1.1079% | 2,016 |
| Return on assets (ROA) | 1.1079% | 2,235 |
| Pretax return on assets | 1.6239% | 1,476 |
| Return on Equity (ROE) | 9.8447% | 2,421 |
| Retained earnings to average equity (ytd only) | 6.3983% | 2,442 |
| Net charge-offs to loans | 0.0139% | 5,243 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 274 |
| Efficiency ratio | 54.6559% | 6,257 |
| Assets per employee ($millions) | 3.0169% | 6,033 |
| Cash dividends to net income (ytd only)* | 35.0076% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 4,537 |
| Loan loss allowance to noncurrent loans | 177.8592% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 4,865 |
| Noncurrent loans to loans | 0.7764% | 4,953 |
| Net loans and leases to total assets | 73.6236% | 1,305 |
| Net loans and leases to deposits | 85.0022% | 1,722 |
| Net loans and leases to core deposits | 86.3408% | 2,383 |
| Total domestic deposits to total assets | 86.6137% | 3,004 |
| Equity capital to assets | 11.5190% | 2,572 |
| Core capital (leverage) ratio | 11.3914% | 1,976 |
| Tier 1 risk-based capital ratio | 17.9460% | 2,310 |
| Total risk-based capital ratio | 19.2004% | 2,276 |
| Memoranda: | ||
| Average total assets | $118,601,000 | 4,453 |
| Average earning assets | $113,040,670 | 4,334 |
| Average equity | $13,347,330 | 4,327 |
| Average total loans | $86,434,670 | 3,894 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 3,651 |
| Cost of funding earning assets | 1.1997% | 990 |
| Net interest margin | 3.3662% | 5,247 |
| Noninterest income to average assets | 0.5308% | 3,693 |
| Noninterest expense to average assets | 2.0559% | 6,368 |
| Loan and lease loss provision to assets | 0.0773% | 4,429 |
| Net operating income to assets | 1.0951% | 2,108 |
| Return on assets (ROA) | 1.0951% | 2,303 |
| Pretax return on assets | 1.6024% | 1,567 |
| Return on Equity (ROE) | 9.8456% | 2,457 |
| Retained earnings to average equity (ytd only) | 6.5235% | 2,669 |
| Net charge-offs to loans | 0.0187% | 4,428 |
| Credit loss provision to net charge-offs | 575.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 284 |
| Efficiency ratio | 55.0360% | 6,223 |
| Assets per employee ($millions) | 3.1542% | 5,857 |
| Cash dividends to net income (ytd only)* | 33.7423% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 4,646 |
| Loan loss allowance to noncurrent loans | 141.8549% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8894% | 4,750 |
| Noncurrent loans to loans | 0.9815% | 4,710 |
| Net loans and leases to total assets | 70.4917% | 1,670 |
| Net loans and leases to deposits | 81.0125% | 2,059 |
| Net loans and leases to core deposits | 82.2515% | 2,794 |
| Total domestic deposits to total assets | 87.0133% | 2,950 |
| Equity capital to assets | 11.1354% | 2,770 |
| Core capital (leverage) ratio | 11.1625% | 2,140 |
| Tier 1 risk-based capital ratio | 17.9835% | 2,296 |
| Total risk-based capital ratio | 19.2376% | 2,272 |
| Memoranda: | ||
| Average total assets | $119,072,500 | 4,472 |
| Average earning assets | $113,363,000 | 4,348 |
| Average equity | $13,244,500 | 4,363 |
| Average total loans | $85,733,500 | 3,947 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7954% | 3,834 |
| Cost of funding earning assets | 1.3351% | 1,316 |
| Net interest margin | 3.4603% | 5,283 |
| Noninterest income to average assets | 0.4461% | 4,254 |
| Noninterest expense to average assets | 2.1026% | 6,487 |
| Loan and lease loss provision to assets | 0.0766% | 5,653 |
| Net operating income to assets | 1.0598% | 1,964 |
| Return on assets (ROA) | 1.0598% | 2,107 |
| Pretax return on assets | 1.5697% | 1,279 |
| Return on Equity (ROE) | 9.7162% | 2,151 |
| Retained earnings to average equity (ytd only) | 5.3459% | 2,416 |
| Net charge-offs to loans | 0.0301% | 6,024 |
| Credit loss provision to net charge-offs | 346.1538% | 666 |
| Earnings coverage of net charge-offs (x) | 74.3846% | 406 |
| Efficiency ratio | 56.0854% | 6,306 |
| Assets per employee ($millions) | 3.1127% | 5,872 |
| Cash dividends to net income (ytd only)* | 44.9799% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 4,606 |
| Loan loss allowance to noncurrent loans | 84.6431% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3628% | 3,963 |
| Noncurrent loans to loans | 1.6169% | 3,733 |
| Net loans and leases to total assets | 71.5295% | 1,726 |
| Net loans and leases to deposits | 82.1652% | 2,177 |
| Net loans and leases to core deposits | 83.9723% | 2,897 |
| Total domestic deposits to total assets | 87.0557% | 2,730 |
| Equity capital to assets | 11.1105% | 2,880 |
| Core capital (leverage) ratio | 11.2800% | 2,056 |
| Tier 1 risk-based capital ratio | 17.7604% | 2,277 |
| Total risk-based capital ratio | 19.0152% | 2,249 |
| Memoranda: | ||
| Average total assets | $117,472,000 | 4,470 |
| Average earning assets | $112,127,600 | 4,330 |
| Average equity | $12,813,600 | 4,371 |
| Average total loans | $86,258,200 | 3,960 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8148% | 3,959 |
| Cost of funding earning assets | 1.3823% | 1,311 |
| Net interest margin | 3.4325% | 5,454 |
| Noninterest income to average assets | 0.4116% | 4,573 |
| Noninterest expense to average assets | 2.0454% | 6,604 |
| Loan and lease loss provision to assets | 0.0773% | 5,475 |
| Net operating income to assets | 1.0494% | 2,141 |
| Return on assets (ROA) | 1.0494% | 2,286 |
| Pretax return on assets | 1.5667% | 1,470 |
| Return on Equity (ROE) | 9.6661% | 2,322 |
| Retained earnings to average equity (ytd only) | 6.1054% | 2,495 |
| Net charge-offs to loans | 0.0278% | 5,762 |
| Credit loss provision to net charge-offs | 377.7778% | 752 |
| Earnings coverage of net charge-offs (x) | 80.3313% | 441 |
| Efficiency ratio | 55.4391% | 6,347 |
| Assets per employee ($millions) | 3.0532% | 6,004 |
| Cash dividends to net income (ytd only)* | 36.8361% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,796 |
| Loan loss allowance to noncurrent loans | 89.9225% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.3299% | 4,147 |
| Noncurrent loans to loans | 1.4962% | 4,051 |
| Net loans and leases to total assets | 73.3135% | 1,453 |
| Net loans and leases to deposits | 84.4350% | 1,928 |
| Net loans and leases to core deposits | 86.1156% | 2,756 |
| Total domestic deposits to total assets | 86.8282% | 2,758 |
| Equity capital to assets | 11.2462% | 2,915 |
| Core capital (leverage) ratio | 11.1194% | 2,298 |
| Tier 1 risk-based capital ratio | 17.5911% | 2,399 |
| Total risk-based capital ratio | 18.8450% | 2,372 |
| Memoranda: | ||
| Average total assets | $117,269,000 | 4,496 |
| Average earning assets | $111,985,750 | 4,362 |
| Average equity | $12,731,500 | 4,402 |
| Average total loans | $86,377,250 | 3,997 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 4,131 |
| Cost of funding earning assets | 1.4422% | 1,220 |
| Net interest margin | 3.3485% | 5,712 |
| Noninterest income to average assets | 0.3909% | 4,752 |
| Noninterest expense to average assets | 2.0359% | 6,721 |
| Loan and lease loss provision to assets | 0.0765% | 5,351 |
| Net operating income to assets | 0.9772% | 2,324 |
| Return on assets (ROA) | 0.9772% | 2,425 |
| Pretax return on assets | 1.4785% | 1,591 |
| Return on Equity (ROE) | 9.1082% | 2,462 |
| Retained earnings to average equity (ytd only) | 5.6233% | 2,630 |
| Net charge-offs to loans | 0.0069% | 5,768 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 113 |
| Efficiency ratio | 56.6966% | 6,331 |
| Assets per employee ($millions) | 3.0653% | 5,945 |
| Cash dividends to net income (ytd only)* | 38.2609% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 4,884 |
| Loan loss allowance to noncurrent loans | 158.0247% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8430% | 5,189 |
| Noncurrent loans to loans | 0.8458% | 5,246 |
| Net loans and leases to total assets | 73.0046% | 1,592 |
| Net loans and leases to deposits | 83.7813% | 2,137 |
| Net loans and leases to core deposits | 85.0916% | 3,058 |
| Total domestic deposits to total assets | 87.1372% | 2,662 |
| Equity capital to assets | 11.0007% | 2,950 |
| Core capital (leverage) ratio | 10.8346% | 2,388 |
| Tier 1 risk-based capital ratio | 17.2987% | 2,414 |
| Total risk-based capital ratio | 18.5497% | 2,384 |
| Memoranda: | ||
| Average total assets | $117,685,000 | 4,524 |
| Average earning assets | $112,467,670 | 4,370 |
| Average equity | $12,626,000 | 4,412 |
| Average total loans | $86,430,000 | 4,036 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 4,120 |
| Cost of funding earning assets | 1.4892% | 1,213 |
| Net interest margin | 3.2967% | 5,790 |
| Noninterest income to average assets | 0.3889% | 4,798 |
| Noninterest expense to average assets | 2.0256% | 6,787 |
| Loan and lease loss provision to assets | 0.0778% | 5,028 |
| Net operating income to assets | 0.9502% | 2,357 |
| Return on assets (ROA) | 0.9502% | 2,423 |
| Pretax return on assets | 1.4372% | 1,630 |
| Return on Equity (ROE) | 8.9690% | 2,484 |
| Retained earnings to average equity (ytd only) | 5.4580% | 2,930 |
| Net charge-offs to loans | 0.0185% | 4,819 |
| Credit loss provision to net charge-offs | 575.0000% | 648 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 293 |
| Efficiency ratio | 57.2111% | 6,359 |
| Assets per employee ($millions) | 3.3870% | 5,281 |
| Cash dividends to net income (ytd only)* | 39.1459% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 5,041 |
| Loan loss allowance to noncurrent loans | 141.1250% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 5,174 |
| Noncurrent loans to loans | 0.9344% | 5,166 |
| Net loans and leases to total assets | 71.2683% | 1,868 |
| Net loans and leases to deposits | 81.4541% | 2,455 |
| Net loans and leases to core deposits | 82.2879% | 3,418 |
| Total domestic deposits to total assets | 87.4950% | 2,663 |
| Equity capital to assets | 10.6550% | 3,037 |
| Core capital (leverage) ratio | 10.6514% | 2,470 |
| Tier 1 risk-based capital ratio | 16.0760% | 2,872 |
| Total risk-based capital ratio | 17.3285% | 2,844 |
| Memoranda: | ||
| Average total assets | $118,286,000 | 4,534 |
| Average earning assets | $113,083,000 | 4,379 |
| Average equity | $12,532,000 | 4,437 |
| Average total loans | $86,550,000 | 4,060 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 4,220 |
| Cost of funding earning assets | 1.8508% | 997 |
| Net interest margin | 3.2221% | 6,217 |
| Noninterest income to average assets | 0.4334% | 4,652 |
| Noninterest expense to average assets | 2.0995% | 6,846 |
| Loan and lease loss provision to assets | 0.0917% | 6,225 |
| Net operating income to assets | 0.8650% | 2,535 |
| Return on assets (ROA) | 0.8650% | 2,674 |
| Pretax return on assets | 1.2948% | 1,937 |
| Return on Equity (ROE) | 8.1017% | 2,664 |
| Retained earnings to average equity (ytd only) | 4.1327% | 2,956 |
| Net charge-offs to loans | 0.0178% | 6,642 |
| Credit loss provision to net charge-offs | 700.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 105.8000% | 234 |
| Efficiency ratio | 60.2256% | 6,012 |
| Assets per employee ($millions) | 3.1899% | 5,696 |
| Cash dividends to net income (ytd only)* | 48.9899% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 5,166 |
| Loan loss allowance to noncurrent loans | 168.6930% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 5,512 |
| Noncurrent loans to loans | 0.7521% | 5,540 |
| Net loans and leases to total assets | 73.1833% | 1,827 |
| Net loans and leases to deposits | 83.4768% | 2,535 |
| Net loans and leases to core deposits | 84.3326% | 3,549 |
| Total domestic deposits to total assets | 87.6689% | 2,443 |
| Equity capital to assets | 10.5340% | 3,125 |
| Core capital (leverage) ratio | 10.7653% | 2,333 |
| Tier 1 risk-based capital ratio | 16.4306% | 2,551 |
| Total risk-based capital ratio | 17.6836% | 2,521 |
| Memoranda: | ||
| Average total assets | $114,455,400 | 4,600 |
| Average earning assets | $108,437,800 | 4,499 |
| Average equity | $12,219,600 | 4,549 |
| Average total loans | $84,447,600 | 4,202 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 4,242 |
| Cost of funding earning assets | 1.9346% | 915 |
| Net interest margin | 3.1793% | 6,411 |
| Noninterest income to average assets | 0.4051% | 4,920 |
| Noninterest expense to average assets | 2.0887% | 6,872 |
| Loan and lease loss provision to assets | 0.0963% | 6,061 |
| Net operating income to assets | 0.8207% | 2,914 |
| Return on assets (ROA) | 0.8207% | 3,059 |
| Pretax return on assets | 1.2281% | 2,397 |
| Return on Equity (ROE) | 7.6604% | 3,043 |
| Retained earnings to average equity (ytd only) | 4.0439% | 3,634 |
| Net charge-offs to loans | 0.0175% | 6,433 |
| Credit loss provision to net charge-offs | 745.4545% | 400 |
| Earnings coverage of net charge-offs (x) | 102.5194% | 300 |
| Efficiency ratio | 61.1971% | 5,757 |
| Assets per employee ($millions) | 3.0569% | 6,009 |
| Cash dividends to net income (ytd only)* | 47.2102% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 5,006 |
| Loan loss allowance to noncurrent loans | 38.1335% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 2.7284% | 2,659 |
| Noncurrent loans to loans | 3.3911% | 2,345 |
| Net loans and leases to total assets | 73.6259% | 1,885 |
| Net loans and leases to deposits | 83.1961% | 2,869 |
| Net loans and leases to core deposits | 84.0832% | 3,920 |
| Total domestic deposits to total assets | 88.4967% | 1,674 |
| Equity capital to assets | 10.9206% | 3,033 |
| Core capital (leverage) ratio | 10.7546% | 2,463 |
| Tier 1 risk-based capital ratio | 17.0017% | 2,339 |
| Total risk-based capital ratio | 18.2544% | 2,304 |
| Memoranda: | ||
| Average total assets | $113,562,500 | 4,687 |
| Average earning assets | $107,443,000 | 4,584 |
| Average equity | $12,166,250 | 4,633 |
| Average total loans | $83,688,000 | 4,298 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 4,307 |
| Cost of funding earning assets | 2.0054% | 903 |
| Net interest margin | 3.1234% | 6,541 |
| Noninterest income to average assets | 0.4045% | 4,878 |
| Noninterest expense to average assets | 2.0965% | 6,916 |
| Loan and lease loss provision to assets | 0.1055% | 5,861 |
| Net operating income to assets | 0.7721% | 3,099 |
| Return on assets (ROA) | 0.7721% | 3,251 |
| Pretax return on assets | 1.1555% | 2,565 |
| Return on Equity (ROE) | 7.2536% | 3,195 |
| Retained earnings to average equity (ytd only) | 3.6185% | 3,795 |
| Net charge-offs to loans | 0.0264% | 5,970 |
| Credit loss provision to net charge-offs | 545.4545% | 676 |
| Earnings coverage of net charge-offs (x) | 65.1818% | 478 |
| Efficiency ratio | 62.4411% | 5,619 |
| Assets per employee ($millions) | 3.0482% | 6,038 |
| Cash dividends to net income (ytd only)* | 50.1139% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 5,048 |
| Loan loss allowance to noncurrent loans | 50.7116% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.0686% | 3,423 |
| Noncurrent loans to loans | 2.5186% | 3,136 |
| Net loans and leases to total assets | 73.2635% | 2,092 |
| Net loans and leases to deposits | 82.7231% | 3,131 |
| Net loans and leases to core deposits | 83.3877% | 4,227 |
| Total domestic deposits to total assets | 88.5647% | 1,693 |
| Equity capital to assets | 10.8244% | 3,054 |
| Core capital (leverage) ratio | 10.5858% | 2,554 |
| Tier 1 risk-based capital ratio | 16.9195% | 2,315 |
| Total risk-based capital ratio | 18.1730% | 2,266 |
| Memoranda: | ||
| Average total assets | $113,714,330 | 4,713 |
| Average earning assets | $107,511,670 | 4,613 |
| Average equity | $12,104,330 | 4,652 |
| Average total loans | $83,461,670 | 4,340 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2351% | 3,853 |
| Cost of funding earning assets | 2.0933% | 832 |
| Net interest margin | 3.1418% | 6,484 |
| Noninterest income to average assets | 0.3994% | 4,924 |
| Noninterest expense to average assets | 2.0704% | 7,013 |
| Loan and lease loss provision to assets | 0.1331% | 5,236 |
| Net operating income to assets | 0.7637% | 3,140 |
| Return on assets (ROA) | 0.7637% | 3,252 |
| Pretax return on assets | 1.1561% | 2,531 |
| Return on Equity (ROE) | 7.2350% | 3,228 |
| Retained earnings to average equity (ytd only) | 3.5843% | 4,004 |
| Net charge-offs to loans | 0.0480% | 4,922 |
| Credit loss provision to net charge-offs | 380.0000% | 1,060 |
| Earnings coverage of net charge-offs (x) | 36.8000% | 740 |
| Efficiency ratio | 61.6267% | 5,894 |
| Assets per employee ($millions) | 3.0113% | 6,193 |
| Cash dividends to net income (ytd only)* | 50.4587% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 5,096 |
| Loan loss allowance to noncurrent loans | 64.5320% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 4,041 |
| Noncurrent loans to loans | 1.9668% | 3,835 |
| Net loans and leases to total assets | 71.2424% | 2,634 |
| Net loans and leases to deposits | 80.7085% | 3,512 |
| Net loans and leases to core deposits | 81.1423% | 4,602 |
| Total domestic deposits to total assets | 88.2713% | 1,913 |
| Equity capital to assets | 10.5673% | 3,181 |
| Core capital (leverage) ratio | 10.5290% | 2,595 |
| Tier 1 risk-based capital ratio | 16.7027% | 2,374 |
| Total risk-based capital ratio | 17.9559% | 2,328 |
| Memoranda: | ||
| Average total assets | $114,180,500 | 4,762 |
| Average earning assets | $107,582,500 | 4,667 |
| Average equity | $12,052,500 | 4,708 |
| Average total loans | $83,344,000 | 4,405 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6373% | 3,407 |
| Cost of funding earning assets | 2.5220% | 975 |
| Net interest margin | 3.1153% | 6,328 |
| Noninterest income to average assets | 0.6131% | 3,530 |
| Noninterest expense to average assets | 2.1080% | 7,168 |
| Loan and lease loss provision to assets | 0.1640% | 6,049 |
| Net operating income to assets | 0.8299% | 2,415 |
| Return on assets (ROA) | 0.8299% | 2,502 |
| Pretax return on assets | 1.2781% | 1,755 |
| Return on Equity (ROE) | 7.7236% | 2,486 |
| Retained earnings to average equity (ytd only) | 4.9682% | 1,830 |
| Net charge-offs to loans | 0.0170% | 6,985 |
| Credit loss provision to net charge-offs | 1,285.7143% | 235 |
| Earnings coverage of net charge-offs (x) | 113.0714% | 250 |
| Efficiency ratio | 59.3790% | 6,575 |
| Assets per employee ($millions) | 2.9982% | 6,233 |
| Cash dividends to net income (ytd only)* | 35.6751% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 5,279 |
| Loan loss allowance to noncurrent loans | 72.3918% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.4342% | 4,264 |
| Noncurrent loans to loans | 1.6750% | 4,139 |
| Net loans and leases to total assets | 72.9365% | 2,522 |
| Net loans and leases to deposits | 82.5523% | 3,532 |
| Net loans and leases to core deposits | 103.0200% | 3,686 |
| Total domestic deposits to total assets | 88.3518% | 1,794 |
| Equity capital to assets | 10.5440% | 3,139 |
| Core capital (leverage) ratio | 10.5767% | 2,525 |
| Tier 1 risk-based capital ratio | 15.6514% | 2,653 |
| Total risk-based capital ratio | 16.9024% | 2,600 |
| Memoranda: | ||
| Average total assets | $109,770,600 | 4,827 |
| Average earning assets | $103,489,200 | 4,741 |
| Average equity | $11,795,000 | 4,796 |
| Average total loans | $82,541,600 | 4,426 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5929% | 3,903 |
| Cost of funding earning assets | 2.6140% | 994 |
| Net interest margin | 2.9789% | 6,661 |
| Noninterest income to average assets | 0.5543% | 4,048 |
| Noninterest expense to average assets | 2.0638% | 7,259 |
| Loan and lease loss provision to assets | 0.1655% | 5,698 |
| Net operating income to assets | 0.7419% | 3,055 |
| Return on assets (ROA) | 0.7419% | 3,111 |
| Pretax return on assets | 1.1380% | 2,451 |
| Return on Equity (ROE) | 6.8707% | 3,134 |
| Retained earnings to average equity (ytd only) | 4.8833% | 2,563 |
| Net charge-offs to loans | 0.0162% | 6,687 |
| Credit loss provision to net charge-offs | 1,350.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 106.3241% | 345 |
| Efficiency ratio | 61.2891% | 6,227 |
| Assets per employee ($millions) | 2.8266% | 6,594 |
| Cash dividends to net income (ytd only)* | 28.9258% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 5,207 |
| Loan loss allowance to noncurrent loans | 62.5959% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.9975% | 3,349 |
| Noncurrent loans to loans | 1.8894% | 3,783 |
| Net loans and leases to total assets | 74.2029% | 2,468 |
| Net loans and leases to deposits | 84.3115% | 3,598 |
| Net loans and leases to core deposits | 105.7887% | 3,725 |
| Total domestic deposits to total assets | 88.0104% | 1,646 |
| Equity capital to assets | 10.8131% | 3,199 |
| Core capital (leverage) ratio | 10.6409% | 2,675 |
| Tier 1 risk-based capital ratio | 15.8800% | 2,672 |
| Total risk-based capital ratio | 17.1176% | 2,611 |
| Memoranda: | ||
| Average total assets | $108,730,250 | 4,889 |
| Average earning assets | $102,674,500 | 4,799 |
| Average equity | $11,740,500 | 4,857 |
| Average total loans | $82,147,500 | 4,479 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7737% | 3,168 |
| Cost of funding earning assets | 2.6908% | 1,055 |
| Net interest margin | 3.0828% | 6,302 |
| Noninterest income to average assets | 0.5876% | 3,785 |
| Noninterest expense to average assets | 2.0383% | 7,394 |
| Loan and lease loss provision to assets | 0.1663% | 5,401 |
| Net operating income to assets | 0.8316% | 2,733 |
| Return on assets (ROA) | 0.8316% | 2,823 |
| Pretax return on assets | 1.2899% | 2,051 |
| Return on Equity (ROE) | 7.7050% | 2,887 |
| Retained earnings to average equity (ytd only) | 4.7086% | 2,681 |
| Net charge-offs to loans | -0.0024% | 7,487 |
| Credit loss provision to net charge-offs | -9,000.0000% | 7,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3289% | 6,806 |
| Assets per employee ($millions) | 2.8931% | 6,410 |
| Cash dividends to net income (ytd only)* | 38.8889% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,195 |
| Loan loss allowance to noncurrent loans | 54.4669% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.5863% | 3,836 |
| Noncurrent loans to loans | 2.1290% | 3,337 |
| Net loans and leases to total assets | 73.2677% | 2,894 |
| Net loans and leases to deposits | 83.2470% | 4,009 |
| Net loans and leases to core deposits | 104.1788% | 4,045 |
| Total domestic deposits to total assets | 88.0123% | 1,768 |
| Equity capital to assets | 10.7088% | 3,194 |
| Core capital (leverage) ratio | 10.5109% | 2,803 |
| Tier 1 risk-based capital ratio | 15.8504% | 2,680 |
| Total risk-based capital ratio | 17.1009% | 2,616 |
| Memoranda: | ||
| Average total assets | $108,228,000 | 4,932 |
| Average earning assets | $102,049,670 | 4,839 |
| Average equity | $11,680,670 | 4,894 |
| Average total loans | $81,937,330 | 4,528 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9216% | 2,691 |
| Cost of funding earning assets | 2.7538% | 1,103 |
| Net interest margin | 3.1677% | 5,958 |
| Noninterest income to average assets | 0.6296% | 3,354 |
| Noninterest expense to average assets | 2.0340% | 7,271 |
| Loan and lease loss provision to assets | 0.1676% | 4,786 |
| Net operating income to assets | 0.8941% | 2,723 |
| Return on assets (ROA) | 0.8941% | 2,875 |
| Pretax return on assets | 1.3933% | 1,988 |
| Return on Equity (ROE) | 8.2513% | 3,040 |
| Retained earnings to average equity (ytd only) | 8.2513% | 1,727 |
| Net charge-offs to loans | -0.0097% | 7,267 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5803% | 6,883 |
| Assets per employee ($millions) | 2.8843% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,484 |
| Loan loss allowance to noncurrent loans | 52.0208% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.6103% | 3,507 |
| Noncurrent loans to loans | 2.1110% | 3,101 |
| Net loans and leases to total assets | 74.0340% | 2,745 |
| Net loans and leases to deposits | 84.0829% | 3,971 |
| Net loans and leases to core deposits | 103.2681% | 4,220 |
| Total domestic deposits to total assets | 88.0489% | 1,726 |
| Equity capital to assets | 10.7148% | 3,277 |
| Core capital (leverage) ratio | 10.7457% | 2,700 |
| Tier 1 risk-based capital ratio | 16.0721% | 2,666 |
| Total risk-based capital ratio | 17.3216% | 2,604 |
| Memoranda: | ||
| Average total assets | $107,373,000 | 4,972 |
| Average earning assets | $100,514,000 | 4,900 |
| Average equity | $11,634,500 | 4,941 |
| Average total loans | $82,159,000 | 4,553 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8569% | 1,523 |
| Cost of funding earning assets | 3.2083% | 1,164 |
| Net interest margin | 3.6486% | 4,687 |
| Noninterest income to average assets | 0.4333% | 5,185 |
| Noninterest expense to average assets | 2.0614% | 7,319 |
| Loan and lease loss provision to assets | 0.0895% | 6,264 |
| Net operating income to assets | 1.1371% | 1,999 |
| Return on assets (ROA) | 1.1371% | 1,919 |
| Pretax return on assets | 1.6657% | 1,228 |
| Return on Equity (ROE) | 10.5955% | 2,052 |
| Retained earnings to average equity (ytd only) | 6.0200% | 1,527 |
| Net charge-offs to loans | 0.1022% | 5,288 |
| Credit loss provision to net charge-offs | 112.0482% | 4,815 |
| Earnings coverage of net charge-offs (x) | 21.9639% | 1,501 |
| Efficiency ratio | 54.0111% | 7,266 |
| Assets per employee ($millions) | 2.6959% | 6,796 |
| Cash dividends to net income (ytd only)* | 43.1837% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 5,726 |
| Loan loss allowance to noncurrent loans | 53.7445% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 1.5427% | 3,136 |
| Noncurrent loans to loans | 1.9314% | 2,858 |
| Net loans and leases to total assets | 77.4370% | 2,279 |
| Net loans and leases to deposits | 88.1452% | 3,782 |
| Net loans and leases to core deposits | 107.0444% | 4,074 |
| Total domestic deposits to total assets | 87.8516% | 1,536 |
| Equity capital to assets | 10.9615% | 3,076 |
| Core capital (leverage) ratio | 10.9989% | 2,593 |
| Tier 1 risk-based capital ratio | 16.1212% | 2,615 |
| Total risk-based capital ratio | 17.3411% | 2,569 |
| Memoranda: | ||
| Average total assets | $103,861,200 | 4,936 |
| Average earning assets | $96,312,200 | 4,909 |
| Average equity | $11,146,200 | 5,084 |
| Average total loans | $81,174,000 | 4,484 |