Home > The Bank of Brodhead > Performance and Condition Ratios
The Bank of Brodhead, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 2,289 |
| Cost of funding earning assets | 2.5790% | 1,000 |
| Net interest margin | 2.8449% | 3,410 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 2.1741% | 3,208 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.6695% | 3,051 |
| Return on assets (ROA) | 0.6995% | 3,008 |
| Pretax return on assets | 0.8384% | 2,964 |
| Return on Equity (ROE) | 6.7600% | 3,090 |
| Retained earnings to average equity (ytd only) | 2.8028% | 3,111 |
| Net charge-offs to loans | 0.0027% | 2,901 |
| Credit loss provision to net charge-offs | 1,500.0000% | 296 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 283 |
| Efficiency ratio | 71.8364% | 1,786 |
| Assets per employee ($millions) | 8.2972% | 1,369 |
| Cash dividends to net income (ytd only)* | 58.5485% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 2,316 |
| Loan loss allowance to noncurrent loans | 662.1103% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 2,858 |
| Noncurrent loans to loans | 0.1769% | 2,801 |
| Net loans and leases to total assets | 68.5000% | 2,078 |
| Net loans and leases to deposits | 85.3219% | 1,657 |
| Net loans and leases to core deposits | 103.8789% | 1,234 |
| Total domestic deposits to total assets | 80.2800% | 3,527 |
| Equity capital to assets | 9.6441% | 2,344 |
| Core capital (leverage) ratio | 10.4038% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $321,091,200 | 2,355 |
| Average earning assets | $302,050,600 | 2,334 |
| Average equity | $33,216,200 | 2,247 |
| Average total loans | $224,590,600 | 2,208 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3733% | 2,322 |
| Cost of funding earning assets | 2.5670% | 1,040 |
| Net interest margin | 2.8063% | 3,444 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 2.1573% | 3,194 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.6566% | 3,083 |
| Return on assets (ROA) | 0.6740% | 3,066 |
| Pretax return on assets | 0.8042% | 3,028 |
| Return on Equity (ROE) | 6.4000% | 3,211 |
| Retained earnings to average equity (ytd only) | 3.5415% | 3,000 |
| Net charge-offs to loans | -0.0042% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.7742% | 1,812 |
| Assets per employee ($millions) | 8.2667% | 1,365 |
| Cash dividends to net income (ytd only)* | 44.6529% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,154 |
| Loan loss allowance to noncurrent loans | 845.7317% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 3,028 |
| Noncurrent loans to loans | 0.1431% | 2,972 |
| Net loans and leases to total assets | 68.4600% | 2,029 |
| Net loans and leases to deposits | 85.7647% | 1,663 |
| Net loans and leases to core deposits | 102.3003% | 1,345 |
| Total domestic deposits to total assets | 79.8200% | 3,493 |
| Equity capital to assets | 10.4679% | 1,996 |
| Core capital (leverage) ratio | 10.7020% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $316,317,250 | 2,375 |
| Average earning assets | $298,656,500 | 2,346 |
| Average equity | $33,318,250 | 2,242 |
| Average total loans | $221,794,250 | 2,219 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3180% | 2,321 |
| Cost of funding earning assets | 2.5200% | 1,050 |
| Net interest margin | 2.7980% | 3,424 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 2.1648% | 3,173 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.6531% | 3,058 |
| Return on assets (ROA) | 0.6722% | 3,030 |
| Pretax return on assets | 0.7948% | 3,013 |
| Return on Equity (ROE) | 6.3700% | 3,175 |
| Retained earnings to average equity (ytd only) | 4.0077% | 2,706 |
| Net charge-offs to loans | -0.0055% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 72.1036% | 1,848 |
| Assets per employee ($millions) | 7.8830% | 1,517 |
| Cash dividends to net income (ytd only)* | 37.0583% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,052 |
| Loan loss allowance to noncurrent loans | 845.4268% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 2,946 |
| Noncurrent loans to loans | 0.1463% | 2,920 |
| Net loans and leases to total assets | 70.2500% | 1,876 |
| Net loans and leases to deposits | 86.4396% | 1,609 |
| Net loans and leases to core deposits | 99.8116% | 1,498 |
| Total domestic deposits to total assets | 81.2700% | 3,231 |
| Equity capital to assets | 10.4913% | 1,805 |
| Core capital (leverage) ratio | 10.9695% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $311,533,667 | 2,390 |
| Average earning assets | $294,281,000 | 2,354 |
| Average equity | $32,886,333 | 2,233 |
| Average total loans | $219,344,333 | 2,222 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2972% | 2,197 |
| Cost of funding earning assets | 2.4361% | 1,109 |
| Net interest margin | 2.8611% | 3,264 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 2.1328% | 3,235 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.7296% | 2,748 |
| Return on assets (ROA) | 0.7790% | 2,612 |
| Pretax return on assets | 0.9185% | 2,619 |
| Return on Equity (ROE) | 7.3600% | 2,857 |
| Retained earnings to average equity (ytd only) | 2.6228% | 3,090 |
| Net charge-offs to loans | 0.0055% | 1,916 |
| Credit loss provision to net charge-offs | 1,500.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 368 |
| Efficiency ratio | 69.2633% | 2,236 |
| Assets per employee ($millions) | 7.7975% | 1,572 |
| Cash dividends to net income (ytd only)* | 64.3449% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,097 |
| Loan loss allowance to noncurrent loans | 3,485.8974% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,576 |
| Noncurrent loans to loans | 0.0354% | 3,521 |
| Net loans and leases to total assets | 69.7700% | 1,833 |
| Net loans and leases to deposits | 85.4732% | 1,585 |
| Net loans and leases to core deposits | 98.7220% | 1,484 |
| Total domestic deposits to total assets | 81.6300% | 3,252 |
| Equity capital to assets | 10.5043% | 1,722 |
| Core capital (leverage) ratio | 10.9027% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $309,641,000 | 2,408 |
| Average earning assets | $292,758,500 | 2,376 |
| Average equity | $32,789,000 | 2,238 |
| Average total loans | $216,881,000 | 2,239 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7096% | 2,659 |
| Cost of funding earning assets | 1.7627% | 1,316 |
| Net interest margin | 2.9469% | 3,397 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.1183% | 3,360 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 0.6670% | 3,276 |
| Return on assets (ROA) | 1.1284% | 1,815 |
| Pretax return on assets | 1.3830% | 1,671 |
| Return on Equity (ROE) | 10.4200% | 2,377 |
| Retained earnings to average equity (ytd only) | 6.4317% | 2,081 |
| Net charge-offs to loans | 0.0116% | 2,212 |
| Credit loss provision to net charge-offs | 2,956.5217% | 167 |
| Earnings coverage of net charge-offs (x) | 131.3913% | 778 |
| Efficiency ratio | 66.0051% | 2,354 |
| Assets per employee ($millions) | 7.8816% | 1,499 |
| Cash dividends to net income (ytd only)* | 38.2490% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 1,994 |
| Loan loss allowance to noncurrent loans | 1,110.7884% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,021 |
| Noncurrent loans to loans | 0.1129% | 2,965 |
| Net loans and leases to total assets | 68.5600% | 1,969 |
| Net loans and leases to deposits | 84.6578% | 1,720 |
| Net loans and leases to core deposits | 96.7534% | 1,619 |
| Total domestic deposits to total assets | 80.9900% | 3,306 |
| Equity capital to assets | 10.6756% | 1,641 |
| Core capital (leverage) ratio | 11.2762% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $285,458,800 | 2,494 |
| Average earning assets | $267,943,800 | 2,472 |
| Average equity | $30,924,800 | 2,226 |
| Average total loans | $197,493,400 | 2,300 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 2,752 |
| Cost of funding earning assets | 1.5851% | 1,401 |
| Net interest margin | 2.9858% | 3,363 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.0668% | 3,433 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8997% | 2,677 |
| Return on assets (ROA) | 0.9153% | 2,615 |
| Pretax return on assets | 1.1115% | 2,535 |
| Return on Equity (ROE) | 8.4200% | 3,080 |
| Retained earnings to average equity (ytd only) | 5.5649% | 2,759 |
| Net charge-offs to loans | 0.0110% | 1,990 |
| Credit loss provision to net charge-offs | 843.7500% | 446 |
| Earnings coverage of net charge-offs (x) | 151.8125% | 721 |
| Efficiency ratio | 63.4363% | 2,569 |
| Assets per employee ($millions) | 7.5173% | 1,618 |
| Cash dividends to net income (ytd only)* | 33.8710% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 3,134 |
| Loan loss allowance to noncurrent loans | 643.9759% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 2,815 |
| Noncurrent loans to loans | 0.1621% | 2,738 |
| Net loans and leases to total assets | 69.1500% | 1,927 |
| Net loans and leases to deposits | 84.2877% | 1,716 |
| Net loans and leases to core deposits | 95.2476% | 1,599 |
| Total domestic deposits to total assets | 82.0400% | 3,202 |
| Equity capital to assets | 10.2281% | 1,685 |
| Core capital (leverage) ratio | 11.4476% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $279,978,000 | 2,525 |
| Average earning assets | $262,347,250 | 2,508 |
| Average equity | $30,452,250 | 2,234 |
| Average total loans | $193,509,250 | 2,333 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 2,794 |
| Cost of funding earning assets | 1.3234% | 1,648 |
| Net interest margin | 3.1158% | 3,182 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.0154% | 3,556 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.9554% | 2,562 |
| Return on assets (ROA) | 0.9732% | 2,501 |
| Pretax return on assets | 1.2795% | 2,134 |
| Return on Equity (ROE) | 8.7600% | 3,044 |
| Retained earnings to average equity (ytd only) | 6.6323% | 2,404 |
| Net charge-offs to loans | 0.0190% | 1,520 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 101.2222% | 930 |
| Efficiency ratio | 59.7086% | 2,992 |
| Assets per employee ($millions) | 7.5756% | 1,562 |
| Cash dividends to net income (ytd only)* | 24.3102% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 3,153 |
| Loan loss allowance to noncurrent loans | 17,425.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 3,840 |
| Noncurrent loans to loans | 0.0061% | 3,761 |
| Net loans and leases to total assets | 67.9900% | 1,959 |
| Net loans and leases to deposits | 84.1184% | 1,660 |
| Net loans and leases to core deposits | 95.0466% | 1,519 |
| Total domestic deposits to total assets | 80.8300% | 3,454 |
| Equity capital to assets | 10.7715% | 1,473 |
| Core capital (leverage) ratio | 11.8201% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $275,579,667 | 2,553 |
| Average earning assets | $257,978,000 | 2,539 |
| Average equity | $30,607,667 | 2,238 |
| Average total loans | $189,724,000 | 2,356 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 2,786 |
| Cost of funding earning assets | 1.0547% | 1,871 |
| Net interest margin | 3.2510% | 2,990 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.0250% | 3,573 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0402% | 2,412 |
| Return on assets (ROA) | 1.0719% | 2,286 |
| Pretax return on assets | 1.4133% | 1,856 |
| Return on Equity (ROE) | 9.5000% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.2092% | 2,973 |
| Net charge-offs to loans | 0.0065% | 1,714 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 323.3333% | 347 |
| Efficiency ratio | 57.7978% | 3,214 |
| Assets per employee ($millions) | 6.6455% | 2,234 |
| Cash dividends to net income (ytd only)* | 45.1524% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 3,028 |
| Loan loss allowance to noncurrent loans | 689.6321% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 2,756 |
| Noncurrent loans to loans | 0.1602% | 2,686 |
| Net loans and leases to total assets | 67.7500% | 1,861 |
| Net loans and leases to deposits | 80.0161% | 1,813 |
| Net loans and leases to core deposits | 87.0808% | 1,800 |
| Total domestic deposits to total assets | 84.6700% | 2,937 |
| Equity capital to assets | 11.3552% | 1,204 |
| Core capital (leverage) ratio | 11.8457% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $269,434,000 | 2,618 |
| Average earning assets | $253,338,000 | 2,595 |
| Average equity | $30,407,500 | 2,276 |
| Average total loans | $185,680,500 | 2,399 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 2,224 |
| Cost of funding earning assets | 0.4750% | 1,551 |
| Net interest margin | 3.3432% | 2,440 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.1778% | 3,081 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9946% | 2,587 |
| Return on assets (ROA) | 1.0037% | 2,496 |
| Pretax return on assets | 1.3175% | 2,025 |
| Return on Equity (ROE) | 8.2300% | 3,322 |
| Retained earnings to average equity (ytd only) | 4.3201% | 3,294 |
| Net charge-offs to loans | 0.0807% | 849 |
| Credit loss provision to net charge-offs | 244.2748% | 1,008 |
| Earnings coverage of net charge-offs (x) | 27.6031% | 1,726 |
| Efficiency ratio | 59.0430% | 3,181 |
| Assets per employee ($millions) | 7.0106% | 1,971 |
| Cash dividends to net income (ytd only)* | 47.4931% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 2,930 |
| Loan loss allowance to noncurrent loans | 1,134.8315% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,136 |
| Noncurrent loans to loans | 0.0964% | 3,073 |
| Net loans and leases to total assets | 68.5800% | 1,777 |
| Net loans and leases to deposits | 81.1814% | 1,684 |
| Net loans and leases to core deposits | 87.4933% | 1,650 |
| Total domestic deposits to total assets | 84.4700% | 3,110 |
| Equity capital to assets | 11.2146% | 1,179 |
| Core capital (leverage) ratio | 12.0955% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $252,366,200 | 2,711 |
| Average earning assets | $236,417,600 | 2,698 |
| Average equity | $30,786,600 | 2,302 |
| Average total loans | $162,416,600 | 2,521 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 2,086 |
| Cost of funding earning assets | 0.3619% | 1,601 |
| Net interest margin | 3.3216% | 2,230 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.1988% | 2,934 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0308% | 2,358 |
| Return on assets (ROA) | 1.0410% | 2,282 |
| Pretax return on assets | 1.3700% | 1,815 |
| Return on Equity (ROE) | 8.3500% | 3,218 |
| Retained earnings to average equity (ytd only) | 5.5887% | 2,894 |
| Net charge-offs to loans | 0.0017% | 2,241 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,311.5000% | 103 |
| Efficiency ratio | 59.5065% | 3,182 |
| Assets per employee ($millions) | 6.4781% | 2,342 |
| Cash dividends to net income (ytd only)* | 33.0932% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 3,000 |
| Loan loss allowance to noncurrent loans | 633.3333% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 2,798 |
| Noncurrent loans to loans | 0.1742% | 2,719 |
| Net loans and leases to total assets | 66.3700% | 1,848 |
| Net loans and leases to deposits | 78.7145% | 1,663 |
| Net loans and leases to core deposits | 84.3905% | 1,626 |
| Total domestic deposits to total assets | 84.3200% | 3,425 |
| Equity capital to assets | 11.2760% | 1,073 |
| Core capital (leverage) ratio | 12.7017% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $248,857,250 | 2,755 |
| Average earning assets | $232,852,250 | 2,737 |
| Average equity | $31,014,250 | 2,320 |
| Average total loans | $156,842,500 | 2,572 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6004% | 1,845 |
| Cost of funding earning assets | 0.3064% | 1,670 |
| Net interest margin | 3.2941% | 1,930 |
| Noninterest income to average assets | 0.4881% | 2,264 |
| Noninterest expense to average assets | 2.1912% | 2,890 |
| Loan and lease loss provision to assets | 0.0489% | 1,701 |
| Net operating income to assets | 1.0061% | 2,129 |
| Return on assets (ROA) | 1.0202% | 2,054 |
| Pretax return on assets | 1.3413% | 1,610 |
| Return on Equity (ROE) | 7.9209% | 3,036 |
| Retained earnings to average equity (ytd only) | 6.3139% | 2,230 |
| Net charge-offs to loans | 0.0040% | 1,881 |
| Credit loss provision to net charge-offs | 2,000.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 561.3333% | 233 |
| Efficiency ratio | 59.9588% | 3,302 |
| Assets per employee ($millions) | 6.0532% | 2,695 |
| Cash dividends to net income (ytd only)* | 20.2875% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 2,701 |
| Loan loss allowance to noncurrent loans | 623.1023% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 2,829 |
| Noncurrent loans to loans | 0.1919% | 2,745 |
| Net loans and leases to total assets | 64.4472% | 1,855 |
| Net loans and leases to deposits | 78.1451% | 1,530 |
| Net loans and leases to core deposits | 82.0123% | 1,591 |
| Total domestic deposits to total assets | 82.4712% | 3,946 |
| Equity capital to assets | 12.4691% | 769 |
| Core capital (leverage) ratio | 12.8745% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,434,667 | 2,796 |
| Average earning assets | $229,139,000 | 2,802 |
| Average equity | $31,612,667 | 2,338 |
| Average total loans | $151,156,667 | 2,629 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 1,908 |
| Cost of funding earning assets | 0.3044% | 1,616 |
| Net interest margin | 3.1607% | 1,991 |
| Noninterest income to average assets | 0.4727% | 2,290 |
| Noninterest expense to average assets | 2.1919% | 2,861 |
| Loan and lease loss provision to assets | 0.0486% | 1,498 |
| Net operating income to assets | 0.8950% | 2,286 |
| Return on assets (ROA) | 0.9308% | 2,145 |
| Pretax return on assets | 1.2190% | 1,742 |
| Return on Equity (ROE) | 7.1156% | 3,001 |
| Retained earnings to average equity (ytd only) | 3.9723% | 2,940 |
| Net charge-offs to loans | 0.0162% | 1,211 |
| Credit loss provision to net charge-offs | 500.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 125.8333% | 599 |
| Efficiency ratio | 62.5889% | 3,194 |
| Assets per employee ($millions) | 5.9937% | 2,820 |
| Cash dividends to net income (ytd only)* | 44.1739% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,647 |
| Loan loss allowance to noncurrent loans | 612.2112% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 2,950 |
| Noncurrent loans to loans | 0.2027% | 2,809 |
| Net loans and leases to total assets | 60.0826% | 2,052 |
| Net loans and leases to deposits | 71.9349% | 1,780 |
| Net loans and leases to core deposits | 75.0487% | 1,848 |
| Total domestic deposits to total assets | 83.5236% | 3,858 |
| Equity capital to assets | 12.7558% | 747 |
| Core capital (leverage) ratio | 12.2126% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,088,500 | 2,801 |
| Average earning assets | $229,949,000 | 2,805 |
| Average equity | $32,323,500 | 2,367 |
| Average total loans | $147,769,000 | 2,658 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 2,084 |
| Cost of funding earning assets | 0.4181% | 1,408 |
| Net interest margin | 3.2921% | 2,333 |
| Noninterest income to average assets | 0.5755% | 2,257 |
| Noninterest expense to average assets | 2.1420% | 3,265 |
| Loan and lease loss provision to assets | 0.1529% | 779 |
| Net operating income to assets | 1.0172% | 2,603 |
| Return on assets (ROA) | 1.0254% | 2,647 |
| Pretax return on assets | 1.3517% | 2,198 |
| Return on Equity (ROE) | 7.5226% | 3,366 |
| Retained earnings to average equity (ytd only) | 4.3462% | 3,072 |
| Net charge-offs to loans | 0.1343% | 690 |
| Credit loss provision to net charge-offs | 201.0870% | 1,298 |
| Earnings coverage of net charge-offs (x) | 19.6576% | 1,867 |
| Efficiency ratio | 57.3733% | 3,538 |
| Assets per employee ($millions) | 6.0594% | 2,708 |
| Cash dividends to net income (ytd only)* | 42.2240% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,606 |
| Loan loss allowance to noncurrent loans | 604.2904% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 3,079 |
| Noncurrent loans to loans | 0.2075% | 2,914 |
| Net loans and leases to total assets | 58.0449% | 2,368 |
| Net loans and leases to deposits | 70.0987% | 2,124 |
| Net loans and leases to core deposits | 72.9469% | 2,171 |
| Total domestic deposits to total assets | 82.8045% | 3,846 |
| Equity capital to assets | 13.4042% | 789 |
| Core capital (leverage) ratio | 12.3372% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,060,000 | 2,779 |
| Average earning assets | $225,056,200 | 2,777 |
| Average equity | $32,994,000 | 2,385 |
| Average total loans | $136,983,000 | 2,761 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 2,122 |
| Cost of funding earning assets | 0.4483% | 1,361 |
| Net interest margin | 3.3118% | 2,385 |
| Noninterest income to average assets | 0.5866% | 2,267 |
| Noninterest expense to average assets | 2.1624% | 3,194 |
| Loan and lease loss provision to assets | 0.0499% | 1,998 |
| Net operating income to assets | 1.0999% | 2,556 |
| Return on assets (ROA) | 1.1078% | 2,578 |
| Pretax return on assets | 1.4649% | 2,097 |
| Return on Equity (ROE) | 8.0928% | 3,372 |
| Retained earnings to average equity (ytd only) | 6.0352% | 2,803 |
| Net charge-offs to loans | 0.1851% | 461 |
| Credit loss provision to net charge-offs | 48.1283% | 1,872 |
| Earnings coverage of net charge-offs (x) | 14.5134% | 1,888 |
| Efficiency ratio | 57.4388% | 3,361 |
| Assets per employee ($millions) | 5.8151% | 2,875 |
| Cash dividends to net income (ytd only)* | 25.4254% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 3,242 |
| Loan loss allowance to noncurrent loans | 510.8911% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 3,268 |
| Noncurrent loans to loans | 0.2236% | 3,053 |
| Net loans and leases to total assets | 56.1845% | 2,707 |
| Net loans and leases to deposits | 68.5283% | 2,388 |
| Net loans and leases to core deposits | 71.3437% | 2,485 |
| Total domestic deposits to total assets | 81.9872% | 3,933 |
| Equity capital to assets | 14.0852% | 720 |
| Core capital (leverage) ratio | 12.5842% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,465,750 | 2,811 |
| Average earning assets | $223,676,500 | 2,817 |
| Average equity | $32,917,250 | 2,419 |
| Average total loans | $134,719,750 | 2,828 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8478% | 1,951 |
| Cost of funding earning assets | 0.4794% | 1,332 |
| Net interest margin | 3.3684% | 2,245 |
| Noninterest income to average assets | 0.5839% | 2,281 |
| Noninterest expense to average assets | 2.1804% | 3,155 |
| Loan and lease loss provision to assets | 0.0498% | 2,036 |
| Net operating income to assets | 1.1196% | 2,466 |
| Return on assets (ROA) | 1.1288% | 2,508 |
| Pretax return on assets | 1.4945% | 2,031 |
| Return on Equity (ROE) | 8.3253% | 3,308 |
| Retained earnings to average equity (ytd only) | 6.7715% | 2,513 |
| Net charge-offs to loans | -0.0714% | 4,510 |
| Credit loss provision to net charge-offs | -125.0000% | 3,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2258% | 3,372 |
| Assets per employee ($millions) | 5.9388% | 2,679 |
| Cash dividends to net income (ytd only)* | 18.6627% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 2,424 |
| Loan loss allowance to noncurrent loans | 154.8587% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 1,799 |
| Noncurrent loans to loans | 0.8412% | 1,462 |
| Net loans and leases to total assets | 54.5441% | 3,074 |
| Net loans and leases to deposits | 66.4761% | 2,784 |
| Net loans and leases to core deposits | 69.7012% | 2,814 |
| Total domestic deposits to total assets | 82.0507% | 3,914 |
| Equity capital to assets | 13.6449% | 798 |
| Core capital (leverage) ratio | 12.1997% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,147,667 | 2,804 |
| Average earning assets | $224,025,000 | 2,801 |
| Average equity | $32,695,667 | 2,420 |
| Average total loans | $134,458,667 | 2,839 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 1,530 |
| Cost of funding earning assets | 0.5212% | 1,264 |
| Net interest margin | 3.5193% | 1,777 |
| Noninterest income to average assets | 0.6101% | 2,167 |
| Noninterest expense to average assets | 2.1836% | 3,158 |
| Loan and lease loss provision to assets | 0.0500% | 2,094 |
| Net operating income to assets | 1.2343% | 2,028 |
| Return on assets (ROA) | 1.2501% | 2,056 |
| Pretax return on assets | 1.6602% | 1,581 |
| Return on Equity (ROE) | 9.2503% | 2,942 |
| Retained earnings to average equity (ytd only) | 6.1175% | 2,848 |
| Net charge-offs to loans | -0.0357% | 4,255 |
| Credit loss provision to net charge-offs | -250.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9053% | 3,684 |
| Assets per employee ($millions) | 5.9647% | 2,635 |
| Cash dividends to net income (ytd only)* | 33.8667% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,587 |
| Loan loss allowance to noncurrent loans | 149.0283% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 2,002 |
| Noncurrent loans to loans | 0.8488% | 1,577 |
| Net loans and leases to total assets | 53.8444% | 3,260 |
| Net loans and leases to deposits | 65.2639% | 3,001 |
| Net loans and leases to core deposits | 68.6934% | 2,998 |
| Total domestic deposits to total assets | 82.5026% | 3,797 |
| Equity capital to assets | 13.2946% | 836 |
| Core capital (leverage) ratio | 12.1788% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,976,000 | 2,799 |
| Average earning assets | $222,542,500 | 2,794 |
| Average equity | $32,431,500 | 2,421 |
| Average total loans | $134,406,500 | 2,845 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 2,922 |
| Cost of funding earning assets | 0.7881% | 1,259 |
| Net interest margin | 3.1463% | 3,503 |
| Noninterest income to average assets | 0.5458% | 2,437 |
| Noninterest expense to average assets | 2.1280% | 3,878 |
| Loan and lease loss provision to assets | 0.1104% | 2,966 |
| Net operating income to assets | 0.9332% | 2,549 |
| Return on assets (ROA) | 0.9534% | 2,613 |
| Pretax return on assets | 1.2488% | 2,166 |
| Return on Equity (ROE) | 6.8257% | 3,272 |
| Retained earnings to average equity (ytd only) | 3.5788% | 3,048 |
| Net charge-offs to loans | -0.0351% | 4,586 |
| Credit loss provision to net charge-offs | -543.4783% | 3,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5845% | 3,040 |
| Assets per employee ($millions) | 5.8850% | 2,452 |
| Cash dividends to net income (ytd only)* | 47.5683% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,867 |
| Loan loss allowance to noncurrent loans | 145.0617% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 2,115 |
| Noncurrent loans to loans | 0.8372% | 1,676 |
| Net loans and leases to total assets | 56.8409% | 3,220 |
| Net loans and leases to deposits | 69.3299% | 2,951 |
| Net loans and leases to core deposits | 73.3896% | 2,965 |
| Total domestic deposits to total assets | 81.9861% | 3,666 |
| Equity capital to assets | 13.7429% | 862 |
| Core capital (leverage) ratio | 12.2509% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,453,600 | 2,753 |
| Average earning assets | $209,866,600 | 2,746 |
| Average equity | $31,630,600 | 2,399 |
| Average total loans | $130,975,400 | 2,855 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 3,027 |
| Cost of funding earning assets | 0.8402% | 1,310 |
| Net interest margin | 3.1409% | 3,641 |
| Noninterest income to average assets | 0.5952% | 2,197 |
| Noninterest expense to average assets | 2.0509% | 4,044 |
| Loan and lease loss provision to assets | 0.0535% | 3,677 |
| Net operating income to assets | 1.0598% | 2,110 |
| Return on assets (ROA) | 1.0626% | 2,231 |
| Pretax return on assets | 1.3998% | 1,732 |
| Return on Equity (ROE) | 7.5757% | 2,978 |
| Retained earnings to average equity (ytd only) | 5.4221% | 2,364 |
| Net charge-offs to loans | -0.0575% | 4,704 |
| Credit loss provision to net charge-offs | -160.7143% | 3,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6421% | 3,283 |
| Assets per employee ($millions) | 6.3202% | 1,979 |
| Cash dividends to net income (ytd only)* | 28.4275% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 3,126 |
| Loan loss allowance to noncurrent loans | 477.6358% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 3,757 |
| Noncurrent loans to loans | 0.2336% | 3,465 |
| Net loans and leases to total assets | 56.6528% | 3,555 |
| Net loans and leases to deposits | 70.7446% | 3,242 |
| Net loans and leases to core deposits | 74.9837% | 3,243 |
| Total domestic deposits to total assets | 80.0807% | 3,847 |
| Equity capital to assets | 13.8897% | 889 |
| Core capital (leverage) ratio | 12.5530% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,216,750 | 2,741 |
| Average earning assets | $207,408,250 | 2,750 |
| Average equity | $31,450,500 | 2,403 |
| Average total loans | $129,857,000 | 2,871 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 3,353 |
| Cost of funding earning assets | 0.8902% | 1,417 |
| Net interest margin | 3.1001% | 3,903 |
| Noninterest income to average assets | 0.5783% | 2,215 |
| Noninterest expense to average assets | 2.0171% | 4,198 |
| Loan and lease loss provision to assets | 0.0543% | 3,624 |
| Net operating income to assets | 1.0380% | 2,192 |
| Return on assets (ROA) | 1.0416% | 2,313 |
| Pretax return on assets | 1.3728% | 1,796 |
| Return on Equity (ROE) | 7.4003% | 2,967 |
| Retained earnings to average equity (ytd only) | 5.7672% | 2,169 |
| Net charge-offs to loans | -0.0747% | 4,785 |
| Credit loss provision to net charge-offs | -125.0000% | 3,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7735% | 3,310 |
| Assets per employee ($millions) | 6.2218% | 2,011 |
| Cash dividends to net income (ytd only)* | 22.0678% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,053 |
| Loan loss allowance to noncurrent loans | 294.3434% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 3,471 |
| Noncurrent loans to loans | 0.3741% | 3,071 |
| Net loans and leases to total assets | 56.8510% | 3,622 |
| Net loans and leases to deposits | 71.4828% | 3,307 |
| Net loans and leases to core deposits | 76.1614% | 3,269 |
| Total domestic deposits to total assets | 79.5310% | 3,935 |
| Equity capital to assets | 13.9070% | 876 |
| Core capital (leverage) ratio | 12.7443% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,006,000 | 2,748 |
| Average earning assets | $203,992,333 | 2,748 |
| Average equity | $31,107,000 | 2,401 |
| Average total loans | $128,483,667 | 2,879 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 4,520 |
| Cost of funding earning assets | 0.8971% | 1,883 |
| Net interest margin | 2.7054% | 4,665 |
| Noninterest income to average assets | 0.5046% | 2,528 |
| Noninterest expense to average assets | 1.9482% | 4,496 |
| Loan and lease loss provision to assets | 0.0555% | 3,071 |
| Net operating income to assets | 0.7595% | 3,058 |
| Return on assets (ROA) | 0.7449% | 3,186 |
| Pretax return on assets | 0.9686% | 2,940 |
| Return on Equity (ROE) | 5.2589% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.0370% | 2,264 |
| Net charge-offs to loans | 0.0316% | 1,756 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 56.4000% | 832 |
| Efficiency ratio | 66.9345% | 2,831 |
| Assets per employee ($millions) | 5.8599% | 1,788 |
| Cash dividends to net income (ytd only)* | 4.2184% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,322 |
| Loan loss allowance to noncurrent loans | 219.3910% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 3,296 |
| Noncurrent loans to loans | 0.4911% | 2,788 |
| Net loans and leases to total assets | 57.9692% | 3,673 |
| Net loans and leases to deposits | 71.5085% | 3,479 |
| Net loans and leases to core deposits | 76.3962% | 3,469 |
| Total domestic deposits to total assets | 81.0661% | 3,650 |
| Equity capital to assets | 14.2503% | 986 |
| Core capital (leverage) ratio | 16.2387% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,405,500 | 2,735 |
| Average earning assets | $198,861,000 | 2,751 |
| Average equity | $30,653,000 | 2,422 |
| Average total loans | $126,559,500 | 2,880 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 3,153 |
| Cost of funding earning assets | 1.0723% | 1,426 |
| Net interest margin | 3.3622% | 3,845 |
| Noninterest income to average assets | 0.6585% | 1,972 |
| Noninterest expense to average assets | 2.4778% | 3,508 |
| Loan and lease loss provision to assets | 0.0259% | 3,499 |
| Net operating income to assets | 1.0047% | 2,832 |
| Return on assets (ROA) | 1.0327% | 2,816 |
| Pretax return on assets | 1.3778% | 2,240 |
| Return on Equity (ROE) | 7.0112% | 3,543 |
| Retained earnings to average equity (ytd only) | -13.1668% | 5,104 |
| Net charge-offs to loans | 0.0033% | 3,561 |
| Credit loss provision to net charge-offs | 1,333.3333% | 258 |
| Earnings coverage of net charge-offs (x) | 705.6667% | 146 |
| Efficiency ratio | 64.4261% | 3,013 |
| Assets per employee ($millions) | 4.8538% | 2,769 |
| Cash dividends to net income (ytd only)* | 287.7972% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,395 |
| Loan loss allowance to noncurrent loans | 33,725.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,678 |
| Noncurrent loans to loans | 0.0043% | 4,586 |
| Net loans and leases to total assets | 59.4780% | 3,631 |
| Net loans and leases to deposits | 73.0295% | 3,435 |
| Net loans and leases to core deposits | 78.8372% | 3,385 |
| Total domestic deposits to total assets | 81.4438% | 3,665 |
| Equity capital to assets | 13.0747% | 1,475 |
| Core capital (leverage) ratio | 12.3758% | 1,552 |
| Tier 1 risk-based capital ratio | 18.2271% | 1,707 |
| Total risk-based capital ratio | 19.4749% | 1,659 |
| Memoranda: | ||
| Average total assets | $154,734,200 | 3,246 |
| Average earning assets | $146,691,000 | 3,205 |
| Average equity | $22,792,200 | 2,885 |
| Average total loans | $89,828,600 | 3,402 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 3,496 |
| Cost of funding earning assets | 1.0322% | 1,620 |
| Net interest margin | 3.3235% | 4,052 |
| Noninterest income to average assets | 0.4476% | 3,034 |
| Noninterest expense to average assets | 2.3089% | 3,928 |
| Loan and lease loss provision to assets | 0.0345% | 3,209 |
| Net operating income to assets | 0.9790% | 3,057 |
| Return on assets (ROA) | 0.9858% | 3,111 |
| Pretax return on assets | 1.2842% | 2,718 |
| Return on Equity (ROE) | 6.5090% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.9395% | 2,401 |
| Net charge-offs to loans | 0.0015% | 3,398 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 1,522.7669% | 52 |
| Efficiency ratio | 63.7989% | 3,038 |
| Assets per employee ($millions) | 4.9185% | 2,642 |
| Cash dividends to net income (ytd only)* | 8.7489% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 1,444 |
| Loan loss allowance to noncurrent loans | 135,100.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,783 |
| Noncurrent loans to loans | 0.0011% | 4,696 |
| Net loans and leases to total assets | 59.0123% | 3,770 |
| Net loans and leases to deposits | 74.5162% | 3,434 |
| Net loans and leases to core deposits | 82.3382% | 3,224 |
| Total domestic deposits to total assets | 79.1939% | 4,145 |
| Equity capital to assets | 15.4113% | 746 |
| Core capital (leverage) ratio | 15.2771% | 675 |
| Tier 1 risk-based capital ratio | 22.1581% | 1,047 |
| Total risk-based capital ratio | 23.4075% | 1,018 |
| Memoranda: | ||
| Average total assets | $154,587,000 | 3,275 |
| Average earning assets | $147,512,250 | 3,231 |
| Average equity | $23,413,250 | 2,860 |
| Average total loans | $88,852,750 | 3,465 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 3,627 |
| Cost of funding earning assets | 1.0002% | 1,693 |
| Net interest margin | 3.3024% | 4,138 |
| Noninterest income to average assets | 0.3736% | 3,446 |
| Noninterest expense to average assets | 2.2805% | 4,056 |
| Loan and lease loss provision to assets | 0.0521% | 2,776 |
| Net operating income to assets | 0.9282% | 3,175 |
| Return on assets (ROA) | 0.9385% | 3,204 |
| Pretax return on assets | 1.2170% | 2,847 |
| Return on Equity (ROE) | 6.2337% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.3691% | 2,587 |
| Net charge-offs to loans | 0.0046% | 3,002 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 482.5000% | 158 |
| Efficiency ratio | 64.4829% | 3,056 |
| Assets per employee ($millions) | 4.8249% | 2,709 |
| Cash dividends to net income (ytd only)* | 13.8696% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 1,249 |
| Loan loss allowance to noncurrent loans | 135,100.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,829 |
| Noncurrent loans to loans | 0.0011% | 4,738 |
| Net loans and leases to total assets | 57.1190% | 3,999 |
| Net loans and leases to deposits | 72.0948% | 3,679 |
| Net loans and leases to core deposits | 79.0871% | 3,499 |
| Total domestic deposits to total assets | 79.2276% | 4,174 |
| Equity capital to assets | 15.3578% | 733 |
| Core capital (leverage) ratio | 15.1176% | 683 |
| Tier 1 risk-based capital ratio | 22.8679% | 958 |
| Total risk-based capital ratio | 24.1188% | 933 |
| Memoranda: | ||
| Average total assets | $153,652,330 | 3,306 |
| Average earning assets | $147,167,000 | 3,253 |
| Average equity | $23,132,330 | 2,872 |
| Average total loans | $87,060,000 | 3,525 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 3,824 |
| Cost of funding earning assets | 0.9614% | 1,743 |
| Net interest margin | 3.2507% | 4,276 |
| Noninterest income to average assets | 0.3340% | 3,631 |
| Noninterest expense to average assets | 2.2208% | 4,214 |
| Loan and lease loss provision to assets | 0.0783% | 2,120 |
| Net operating income to assets | 0.8977% | 3,243 |
| Return on assets (ROA) | 0.8977% | 3,298 |
| Pretax return on assets | 1.1587% | 2,944 |
| Return on Equity (ROE) | 6.0239% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.0239% | 2,447 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2264% | 3,199 |
| Assets per employee ($millions) | 4.7753% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,143 |
| Loan loss allowance to noncurrent loans | 67,100.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,895 |
| Noncurrent loans to loans | 0.0023% | 4,801 |
| Net loans and leases to total assets | 55.2137% | 4,121 |
| Net loans and leases to deposits | 69.6185% | 3,793 |
| Net loans and leases to core deposits | 76.3568% | 3,637 |
| Total domestic deposits to total assets | 79.3089% | 4,297 |
| Equity capital to assets | 15.1535% | 724 |
| Core capital (leverage) ratio | 15.0636% | 681 |
| Tier 1 risk-based capital ratio | 23.5690% | 878 |
| Total risk-based capital ratio | 24.8202% | 857 |
| Memoranda: | ||
| Average total assets | $153,280,000 | 3,351 |
| Average earning assets | $147,292,500 | 3,293 |
| Average equity | $22,842,500 | 2,894 |
| Average total loans | $85,819,500 | 3,583 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 3,640 |
| Cost of funding earning assets | 0.7971% | 1,537 |
| Net interest margin | 3.3368% | 4,160 |
| Noninterest income to average assets | 0.3785% | 3,562 |
| Noninterest expense to average assets | 2.2635% | 4,198 |
| Loan and lease loss provision to assets | 0.1129% | 1,955 |
| Net operating income to assets | 0.9525% | 3,214 |
| Return on assets (ROA) | 0.9661% | 3,152 |
| Pretax return on assets | 1.2463% | 2,709 |
| Return on Equity (ROE) | 6.5652% | 3,983 |
| Retained earnings to average equity (ytd only) | 4.3993% | 3,117 |
| Net charge-offs to loans | 0.0142% | 3,203 |
| Credit loss provision to net charge-offs | 1,416.6667% | 299 |
| Earnings coverage of net charge-offs (x) | 168.4167% | 514 |
| Efficiency ratio | 62.7808% | 3,389 |
| Assets per employee ($millions) | 4.8047% | 2,736 |
| Cash dividends to net income (ytd only)* | 32.9897% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 1,209 |
| Loan loss allowance to noncurrent loans | 65,600.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,926 |
| Noncurrent loans to loans | 0.0023% | 4,821 |
| Net loans and leases to total assets | 55.0328% | 4,207 |
| Net loans and leases to deposits | 68.8347% | 3,916 |
| Net loans and leases to core deposits | 74.8960% | 3,791 |
| Total domestic deposits to total assets | 79.9493% | 4,119 |
| Equity capital to assets | 14.6530% | 796 |
| Core capital (leverage) ratio | 14.9784% | 698 |
| Tier 1 risk-based capital ratio | 23.1675% | 903 |
| Total risk-based capital ratio | 24.4181% | 874 |
| Memoranda: | ||
| Average total assets | $150,604,800 | 3,377 |
| Average earning assets | $145,648,200 | 3,306 |
| Average equity | $22,162,400 | 2,887 |
| Average total loans | $84,700,000 | 3,577 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 3,636 |
| Cost of funding earning assets | 0.7612% | 1,527 |
| Net interest margin | 3.3371% | 4,192 |
| Noninterest income to average assets | 0.3773% | 3,619 |
| Noninterest expense to average assets | 2.2507% | 4,217 |
| Loan and lease loss provision to assets | 0.1139% | 1,784 |
| Net operating income to assets | 0.9624% | 3,254 |
| Return on assets (ROA) | 0.9807% | 3,185 |
| Pretax return on assets | 1.2664% | 2,738 |
| Return on Equity (ROE) | 6.6572% | 4,054 |
| Retained earnings to average equity (ytd only) | 6.6572% | 2,305 |
| Net charge-offs to loans | 0.0174% | 2,817 |
| Credit loss provision to net charge-offs | 1,163.6364% | 354 |
| Earnings coverage of net charge-offs (x) | 138.6012% | 584 |
| Efficiency ratio | 62.3828% | 3,445 |
| Assets per employee ($millions) | 4.6823% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,384 |
| Loan loss allowance to noncurrent loans | 42,333.3333% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,031 |
| Noncurrent loans to loans | 0.0035% | 4,928 |
| Net loans and leases to total assets | 56.0681% | 4,215 |
| Net loans and leases to deposits | 69.9402% | 3,920 |
| Net loans and leases to core deposits | 76.9438% | 3,746 |
| Total domestic deposits to total assets | 80.1658% | 4,074 |
| Equity capital to assets | 14.9214% | 742 |
| Core capital (leverage) ratio | 15.2837% | 637 |
| Tier 1 risk-based capital ratio | 23.6554% | 873 |
| Total risk-based capital ratio | 24.9060% | 860 |
| Memoranda: | ||
| Average total assets | $149,818,500 | 3,425 |
| Average earning assets | $145,034,250 | 3,343 |
| Average equity | $22,070,750 | 2,911 |
| Average total loans | $84,393,750 | 3,618 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 3,614 |
| Cost of funding earning assets | 0.7257% | 1,494 |
| Net interest margin | 3.3237% | 4,183 |
| Noninterest income to average assets | 0.3658% | 3,708 |
| Noninterest expense to average assets | 2.2468% | 4,268 |
| Loan and lease loss provision to assets | 0.1135% | 1,748 |
| Net operating income to assets | 0.9492% | 3,242 |
| Return on assets (ROA) | 0.9492% | 3,250 |
| Pretax return on assets | 1.2215% | 2,869 |
| Return on Equity (ROE) | 6.4709% | 4,070 |
| Retained earnings to average equity (ytd only) | 6.4709% | 2,323 |
| Net charge-offs to loans | 0.0285% | 2,284 |
| Credit loss provision to net charge-offs | 708.3333% | 551 |
| Earnings coverage of net charge-offs (x) | 83.3333% | 804 |
| Efficiency ratio | 62.7283% | 3,531 |
| Assets per employee ($millions) | 4.6958% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 1,575 |
| Loan loss allowance to noncurrent loans | 61,350.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,065 |
| Noncurrent loans to loans | 0.0024% | 4,966 |
| Net loans and leases to total assets | 55.6550% | 4,193 |
| Net loans and leases to deposits | 68.7187% | 3,967 |
| Net loans and leases to core deposits | 75.2380% | 3,798 |
| Total domestic deposits to total assets | 80.9896% | 4,002 |
| Equity capital to assets | 14.7699% | 740 |
| Core capital (leverage) ratio | 15.0999% | 647 |
| Tier 1 risk-based capital ratio | 23.4247% | 895 |
| Total risk-based capital ratio | 24.6756% | 868 |
| Memoranda: | ||
| Average total assets | $149,814,000 | 3,438 |
| Average earning assets | $144,961,000 | 3,359 |
| Average equity | $21,975,330 | 2,928 |
| Average total loans | $84,099,000 | 3,641 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 3,599 |
| Cost of funding earning assets | 0.7054% | 1,411 |
| Net interest margin | 3.2974% | 4,199 |
| Noninterest income to average assets | 0.3236% | 3,989 |
| Noninterest expense to average assets | 2.2676% | 4,259 |
| Loan and lease loss provision to assets | 0.1123% | 1,680 |
| Net operating income to assets | 0.8824% | 3,364 |
| Return on assets (ROA) | 0.8824% | 3,376 |
| Pretax return on assets | 1.1311% | 3,045 |
| Return on Equity (ROE) | 6.0368% | 4,144 |
| Retained earnings to average equity (ytd only) | 6.0368% | 2,697 |
| Net charge-offs to loans | -0.0048% | 3,994 |
| Credit loss provision to net charge-offs | -4,200.0000% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5849% | 3,389 |
| Assets per employee ($millions) | 4.6284% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,640 |
| Loan loss allowance to noncurrent loans | 3,861.2903% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 5,009 |
| Noncurrent loans to loans | 0.0377% | 4,804 |
| Net loans and leases to total assets | 54.7708% | 4,220 |
| Net loans and leases to deposits | 67.8806% | 3,956 |
| Net loans and leases to core deposits | 73.7495% | 3,837 |
| Total domestic deposits to total assets | 80.6871% | 4,277 |
| Equity capital to assets | 14.7663% | 725 |
| Core capital (leverage) ratio | 14.7968% | 690 |
| Tier 1 risk-based capital ratio | 23.9864% | 843 |
| Total risk-based capital ratio | 25.2361% | 820 |
| Memoranda: | ||
| Average total assets | $149,588,500 | 3,473 |
| Average earning assets | $144,599,000 | 3,400 |
| Average equity | $21,866,000 | 2,967 |
| Average total loans | $83,720,000 | 3,678 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0749% | 3,154 |
| Cost of funding earning assets | 0.6717% | 1,175 |
| Net interest margin | 3.4032% | 3,843 |
| Noninterest income to average assets | 0.3903% | 3,703 |
| Noninterest expense to average assets | 2.3099% | 4,300 |
| Loan and lease loss provision to assets | 0.0204% | 3,889 |
| Net operating income to assets | 0.8911% | 2,767 |
| Return on assets (ROA) | 0.9094% | 2,685 |
| Pretax return on assets | 1.3658% | 2,107 |
| Return on Equity (ROE) | 6.1647% | 3,692 |
| Retained earnings to average equity (ytd only) | 4.0452% | 2,754 |
| Net charge-offs to loans | 0.1086% | 1,984 |
| Credit loss provision to net charge-offs | 33.7079% | 3,503 |
| Earnings coverage of net charge-offs (x) | 22.4157% | 1,850 |
| Efficiency ratio | 62.9595% | 3,785 |
| Assets per employee ($millions) | 4.4432% | 3,284 |
| Cash dividends to net income (ytd only)* | 34.3820% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 1,946 |
| Loan loss allowance to noncurrent loans | 1,311.3636% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,839 |
| Noncurrent loans to loans | 0.1034% | 4,526 |
| Net loans and leases to total assets | 55.5832% | 4,228 |
| Net loans and leases to deposits | 68.6734% | 3,976 |
| Net loans and leases to core deposits | 74.2294% | 3,862 |
| Total domestic deposits to total assets | 80.9385% | 4,131 |
| Equity capital to assets | 14.4715% | 787 |
| Core capital (leverage) ratio | 14.5392% | 722 |
| Tier 1 risk-based capital ratio | 22.7079% | 944 |
| Total risk-based capital ratio | 23.9096% | 929 |
| Memoranda: | ||
| Average total assets | $146,801,400 | 3,510 |
| Average earning assets | $141,426,600 | 3,431 |
| Average equity | $21,655,400 | 2,983 |
| Average total loans | $81,944,000 | 3,705 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 3,101 |
| Cost of funding earning assets | 0.6641% | 1,153 |
| Net interest margin | 3.4039% | 3,837 |
| Noninterest income to average assets | 0.3907% | 3,751 |
| Noninterest expense to average assets | 2.3229% | 4,234 |
| Loan and lease loss provision to assets | 0.0732% | 2,607 |
| Net operating income to assets | 0.8777% | 3,142 |
| Return on assets (ROA) | 0.9030% | 3,067 |
| Pretax return on assets | 1.3092% | 2,439 |
| Return on Equity (ROE) | 6.0914% | 4,084 |
| Retained earnings to average equity (ytd only) | 6.0914% | 2,176 |
| Net charge-offs to loans | 0.0772% | 2,039 |
| Credit loss provision to net charge-offs | 170.2128% | 1,529 |
| Earnings coverage of net charge-offs (x) | 31.2954% | 1,514 |
| Efficiency ratio | 63.3167% | 3,666 |
| Assets per employee ($millions) | 4.4940% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 1,553 |
| Loan loss allowance to noncurrent loans | 1,662.6667% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 4,980 |
| Noncurrent loans to loans | 0.0899% | 4,706 |
| Net loans and leases to total assets | 55.4423% | 4,279 |
| Net loans and leases to deposits | 70.0907% | 3,954 |
| Net loans and leases to core deposits | 75.3777% | 3,859 |
| Total domestic deposits to total assets | 79.1008% | 4,512 |
| Equity capital to assets | 14.9566% | 740 |
| Core capital (leverage) ratio | 14.8466% | 691 |
| Tier 1 risk-based capital ratio | 23.3261% | 917 |
| Total risk-based capital ratio | 24.5772% | 900 |
| Memoranda: | ||
| Average total assets | $145,734,500 | 3,557 |
| Average earning assets | $140,344,750 | 3,475 |
| Average equity | $21,603,750 | 3,011 |
| Average total loans | $81,149,250 | 3,756 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,049 |
| Cost of funding earning assets | 0.6470% | 1,159 |
| Net interest margin | 3.3916% | 3,800 |
| Noninterest income to average assets | 0.4086% | 3,635 |
| Noninterest expense to average assets | 2.3468% | 4,220 |
| Loan and lease loss provision to assets | 0.0828% | 2,332 |
| Net operating income to assets | 0.8597% | 3,116 |
| Return on assets (ROA) | 0.8835% | 3,057 |
| Pretax return on assets | 1.2769% | 2,472 |
| Return on Equity (ROE) | 5.9781% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.9781% | 2,131 |
| Net charge-offs to loans | 0.1045% | 1,585 |
| Credit loss provision to net charge-offs | 142.8571% | 1,565 |
| Earnings coverage of net charge-offs (x) | 22.8571% | 1,695 |
| Efficiency ratio | 63.9098% | 3,685 |
| Assets per employee ($millions) | 4.4605% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,612 |
| Loan loss allowance to noncurrent loans | 1,893.8462% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 5,060 |
| Noncurrent loans to loans | 0.0786% | 4,822 |
| Net loans and leases to total assets | 55.3110% | 4,287 |
| Net loans and leases to deposits | 69.9171% | 3,920 |
| Net loans and leases to core deposits | 74.5415% | 3,897 |
| Total domestic deposits to total assets | 79.1093% | 4,601 |
| Equity capital to assets | 14.8748% | 721 |
| Core capital (leverage) ratio | 14.8882% | 664 |
| Tier 1 risk-based capital ratio | 23.1754% | 925 |
| Total risk-based capital ratio | 24.4266% | 918 |
| Memoranda: | ||
| Average total assets | $144,878,670 | 3,583 |
| Average earning assets | $139,403,670 | 3,509 |
| Average equity | $21,411,330 | 3,033 |
| Average total loans | $80,376,000 | 3,787 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 3,018 |
| Cost of funding earning assets | 0.6412% | 1,124 |
| Net interest margin | 3.3648% | 3,786 |
| Noninterest income to average assets | 0.4397% | 3,379 |
| Noninterest expense to average assets | 2.3991% | 4,112 |
| Loan and lease loss provision to assets | 0.0835% | 2,147 |
| Net operating income to assets | 0.8315% | 3,074 |
| Return on assets (ROA) | 0.8795% | 2,915 |
| Pretax return on assets | 1.2691% | 2,353 |
| Return on Equity (ROE) | 5.9709% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.9709% | 2,355 |
| Net charge-offs to loans | 0.1262% | 1,164 |
| Credit loss provision to net charge-offs | 120.0000% | 1,399 |
| Earnings coverage of net charge-offs (x) | 18.4400% | 1,566 |
| Efficiency ratio | 65.1550% | 3,638 |
| Assets per employee ($millions) | 4.7825% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 1,597 |
| Loan loss allowance to noncurrent loans | 2,970.7317% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 5,204 |
| Noncurrent loans to loans | 0.0514% | 4,985 |
| Net loans and leases to total assets | 54.7486% | 4,278 |
| Net loans and leases to deposits | 67.0136% | 4,087 |
| Net loans and leases to core deposits | 71.0037% | 4,071 |
| Total domestic deposits to total assets | 81.6977% | 4,248 |
| Equity capital to assets | 14.9142% | 673 |
| Core capital (leverage) ratio | 14.7646% | 652 |
| Tier 1 risk-based capital ratio | 23.6130% | 908 |
| Total risk-based capital ratio | 24.8639% | 889 |
| Memoranda: | ||
| Average total assets | $143,720,500 | 3,634 |
| Average earning assets | $138,491,500 | 3,545 |
| Average equity | $21,169,500 | 3,071 |
| Average total loans | $79,241,000 | 3,829 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 2,434 |
| Cost of funding earning assets | 0.6917% | 847 |
| Net interest margin | 3.5253% | 3,337 |
| Noninterest income to average assets | 0.3705% | 4,097 |
| Noninterest expense to average assets | 2.3253% | 4,499 |
| Loan and lease loss provision to assets | 0.0839% | 2,681 |
| Net operating income to assets | 0.9263% | 2,698 |
| Return on assets (ROA) | 0.9263% | 2,814 |
| Pretax return on assets | 1.3283% | 2,183 |
| Return on Equity (ROE) | 6.2967% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.3435% | 2,810 |
| Net charge-offs to loans | 0.0025% | 4,180 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,010.0000% | 77 |
| Efficiency ratio | 62.2147% | 4,217 |
| Assets per employee ($millions) | 4.7989% | 2,651 |
| Cash dividends to net income (ytd only)* | 31.0189% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,532 |
| Loan loss allowance to noncurrent loans | 1,497.5309% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 5,109 |
| Noncurrent loans to loans | 0.1029% | 4,819 |
| Net loans and leases to total assets | 53.8325% | 4,451 |
| Net loans and leases to deposits | 65.5222% | 4,288 |
| Net loans and leases to core deposits | 69.3881% | 4,297 |
| Total domestic deposits to total assets | 82.1591% | 4,027 |
| Equity capital to assets | 14.5457% | 719 |
| Core capital (leverage) ratio | 14.3624% | 726 |
| Tier 1 risk-based capital ratio | 23.2418% | 944 |
| Total risk-based capital ratio | 24.4934% | 929 |
| Memoranda: | ||
| Average total assets | $143,036,000 | 3,622 |
| Average earning assets | $136,612,200 | 3,544 |
| Average equity | $21,042,800 | 3,062 |
| Average total loans | $78,823,800 | 3,828 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 2,372 |
| Cost of funding earning assets | 0.6984% | 822 |
| Net interest margin | 3.5428% | 3,302 |
| Noninterest income to average assets | 0.3632% | 4,182 |
| Noninterest expense to average assets | 2.3286% | 4,462 |
| Loan and lease loss provision to assets | 0.0840% | 2,538 |
| Net operating income to assets | 0.9271% | 2,770 |
| Return on assets (ROA) | 0.9271% | 2,896 |
| Pretax return on assets | 1.3277% | 2,323 |
| Return on Equity (ROE) | 6.2842% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.2842% | 2,016 |
| Net charge-offs to loans | 0.0034% | 3,810 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 755.0375% | 118 |
| Efficiency ratio | 62.2566% | 4,177 |
| Assets per employee ($millions) | 4.7277% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 1,841 |
| Loan loss allowance to noncurrent loans | 2,273.0769% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 5,336 |
| Noncurrent loans to loans | 0.0651% | 5,093 |
| Net loans and leases to total assets | 55.5052% | 4,357 |
| Net loans and leases to deposits | 68.9645% | 4,066 |
| Net loans and leases to core deposits | 73.0113% | 4,085 |
| Total domestic deposits to total assets | 80.4837% | 4,397 |
| Equity capital to assets | 15.2027% | 690 |
| Core capital (leverage) ratio | 14.6986% | 685 |
| Tier 1 risk-based capital ratio | 23.6693% | 930 |
| Total risk-based capital ratio | 24.9205% | 917 |
| Memoranda: | ||
| Average total assets | $142,803,250 | 3,637 |
| Average earning assets | $136,123,000 | 3,568 |
| Average equity | $21,068,250 | 3,084 |
| Average total loans | $78,851,250 | 3,855 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,344 |
| Cost of funding earning assets | 0.6967% | 819 |
| Net interest margin | 3.5497% | 3,297 |
| Noninterest income to average assets | 0.3689% | 4,109 |
| Noninterest expense to average assets | 2.3238% | 4,543 |
| Loan and lease loss provision to assets | 0.0838% | 2,464 |
| Net operating income to assets | 0.9432% | 2,654 |
| Return on assets (ROA) | 0.9278% | 2,866 |
| Pretax return on assets | 1.3275% | 2,296 |
| Return on Equity (ROE) | 6.3530% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.3530% | 1,936 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9598% | 4,355 |
| Assets per employee ($millions) | 4.7761% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,976 |
| Loan loss allowance to noncurrent loans | 1,583.5616% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 5,356 |
| Noncurrent loans to loans | 0.0930% | 5,080 |
| Net loans and leases to total assets | 54.0025% | 4,511 |
| Net loans and leases to deposits | 66.7210% | 4,290 |
| Net loans and leases to core deposits | 71.0063% | 4,248 |
| Total domestic deposits to total assets | 80.9379% | 4,296 |
| Equity capital to assets | 14.8398% | 771 |
| Core capital (leverage) ratio | 14.4388% | 721 |
| Tier 1 risk-based capital ratio | 23.6739% | 940 |
| Total risk-based capital ratio | 24.9246% | 915 |
| Memoranda: | ||
| Average total assets | $143,127,670 | 3,655 |
| Average earning assets | $136,348,330 | 3,589 |
| Average equity | $20,903,670 | 3,105 |
| Average total loans | $78,500,000 | 3,883 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 2,397 |
| Cost of funding earning assets | 0.6916% | 842 |
| Net interest margin | 3.5311% | 3,358 |
| Noninterest income to average assets | 0.3579% | 4,164 |
| Noninterest expense to average assets | 2.3041% | 4,651 |
| Loan and lease loss provision to assets | 0.0839% | 2,274 |
| Net operating income to assets | 0.9479% | 2,517 |
| Return on assets (ROA) | 0.9172% | 2,783 |
| Pretax return on assets | 1.3086% | 2,268 |
| Return on Equity (ROE) | 6.3308% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.3308% | 2,218 |
| Net charge-offs to loans | -0.0051% | 4,296 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8155% | 4,473 |
| Assets per employee ($millions) | 4.5686% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 2,234 |
| Loan loss allowance to noncurrent loans | 557.4257% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 5,003 |
| Noncurrent loans to loans | 0.2589% | 4,511 |
| Net loans and leases to total assets | 54.2997% | 4,425 |
| Net loans and leases to deposits | 67.1976% | 4,137 |
| Net loans and leases to core deposits | 71.1242% | 4,145 |
| Total domestic deposits to total assets | 80.8059% | 4,554 |
| Equity capital to assets | 14.7550% | 757 |
| Core capital (leverage) ratio | 14.2195% | 758 |
| Tier 1 risk-based capital ratio | 23.4891% | 964 |
| Total risk-based capital ratio | 24.7401% | 958 |
| Memoranda: | ||
| Average total assets | $143,049,500 | 3,686 |
| Average earning assets | $136,502,000 | 3,608 |
| Average equity | $20,724,000 | 3,128 |
| Average total loans | $78,483,500 | 3,899 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 2,339 |
| Cost of funding earning assets | 0.7064% | 790 |
| Net interest margin | 3.5572% | 3,293 |
| Noninterest income to average assets | 0.3553% | 4,362 |
| Noninterest expense to average assets | 2.2693% | 4,880 |
| Loan and lease loss provision to assets | 0.0846% | 2,604 |
| Net operating income to assets | 0.9524% | 2,601 |
| Return on assets (ROA) | 0.9524% | 2,682 |
| Pretax return on assets | 1.3634% | 2,058 |
| Return on Equity (ROE) | 6.6779% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.7205% | 2,629 |
| Net charge-offs to loans | 0.0931% | 2,502 |
| Credit loss provision to net charge-offs | 171.4286% | 1,577 |
| Earnings coverage of net charge-offs (x) | 29.3429% | 1,476 |
| Efficiency ratio | 61.0468% | 4,754 |
| Assets per employee ($millions) | 4.6604% | 2,794 |
| Cash dividends to net income (ytd only)* | 29.3116% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 2,488 |
| Loan loss allowance to noncurrent loans | 539.4089% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 4,875 |
| Noncurrent loans to loans | 0.2572% | 4,517 |
| Net loans and leases to total assets | 53.8810% | 4,516 |
| Net loans and leases to deposits | 66.1705% | 4,302 |
| Net loans and leases to core deposits | 69.7343% | 4,312 |
| Total domestic deposits to total assets | 81.4275% | 4,361 |
| Equity capital to assets | 14.2249% | 859 |
| Core capital (leverage) ratio | 13.9143% | 848 |
| Tier 1 risk-based capital ratio | 22.8837% | 1,028 |
| Total risk-based capital ratio | 24.1341% | 1,015 |
| Memoranda: | ||
| Average total assets | $141,852,800 | 3,697 |
| Average earning assets | $134,064,800 | 3,625 |
| Average equity | $20,231,000 | 3,151 |
| Average total loans | $75,202,200 | 3,965 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 2,295 |
| Cost of funding earning assets | 0.7098% | 799 |
| Net interest margin | 3.5739% | 3,259 |
| Noninterest income to average assets | 0.3541% | 4,409 |
| Noninterest expense to average assets | 2.2682% | 4,864 |
| Loan and lease loss provision to assets | 0.0850% | 2,464 |
| Net operating income to assets | 0.9537% | 2,697 |
| Return on assets (ROA) | 0.9537% | 2,786 |
| Pretax return on assets | 1.3673% | 2,148 |
| Return on Equity (ROE) | 6.6827% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.6827% | 1,847 |
| Net charge-offs to loans | 0.1239% | 1,888 |
| Credit loss provision to net charge-offs | 130.4348% | 1,874 |
| Earnings coverage of net charge-offs (x) | 22.2893% | 1,783 |
| Efficiency ratio | 60.9645% | 4,739 |
| Assets per employee ($millions) | 4.5393% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 2,695 |
| Loan loss allowance to noncurrent loans | 662.1118% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 5,129 |
| Noncurrent loans to loans | 0.2085% | 4,816 |
| Net loans and leases to total assets | 54.1292% | 4,557 |
| Net loans and leases to deposits | 67.0670% | 4,276 |
| Net loans and leases to core deposits | 71.0091% | 4,280 |
| Total domestic deposits to total assets | 80.7091% | 4,545 |
| Equity capital to assets | 14.6412% | 826 |
| Core capital (leverage) ratio | 14.2195% | 806 |
| Tier 1 risk-based capital ratio | 22.5759% | 1,114 |
| Total risk-based capital ratio | 23.7770% | 1,100 |
| Memoranda: | ||
| Average total assets | $141,198,000 | 3,732 |
| Average earning assets | $132,999,000 | 3,677 |
| Average equity | $20,151,000 | 3,188 |
| Average total loans | $74,268,250 | 4,028 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 2,394 |
| Cost of funding earning assets | 0.7033% | 831 |
| Net interest margin | 3.5361% | 3,354 |
| Noninterest income to average assets | 0.3424% | 4,506 |
| Noninterest expense to average assets | 2.2666% | 4,936 |
| Loan and lease loss provision to assets | 0.0849% | 2,420 |
| Net operating income to assets | 0.9281% | 2,742 |
| Return on assets (ROA) | 0.9281% | 2,861 |
| Pretax return on assets | 1.3271% | 2,253 |
| Return on Equity (ROE) | 6.5599% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.5599% | 1,920 |
| Net charge-offs to loans | 0.1719% | 1,435 |
| Credit loss provision to net charge-offs | 95.2381% | 2,140 |
| Earnings coverage of net charge-offs (x) | 15.8413% | 1,947 |
| Efficiency ratio | 61.6154% | 4,740 |
| Assets per employee ($millions) | 4.5393% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 2,747 |
| Loan loss allowance to noncurrent loans | 1,966.0377% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 5,549 |
| Noncurrent loans to loans | 0.0713% | 5,448 |
| Net loans and leases to total assets | 52.0474% | 4,752 |
| Net loans and leases to deposits | 64.1528% | 4,516 |
| Net loans and leases to core deposits | 67.9526% | 4,498 |
| Total domestic deposits to total assets | 81.1303% | 4,577 |
| Equity capital to assets | 14.3535% | 864 |
| Core capital (leverage) ratio | 13.8965% | 872 |
| Tier 1 risk-based capital ratio | 23.4647% | 1,014 |
| Total risk-based capital ratio | 24.7068% | 1,005 |
| Memoranda: | ||
| Average total assets | $141,357,670 | 3,760 |
| Average earning assets | $133,368,670 | 3,705 |
| Average equity | $20,000,330 | 3,216 |
| Average total loans | $73,279,000 | 4,078 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 2,483 |
| Cost of funding earning assets | 0.6950% | 871 |
| Net interest margin | 3.4987% | 3,441 |
| Noninterest income to average assets | 0.3134% | 4,685 |
| Noninterest expense to average assets | 2.3038% | 4,871 |
| Loan and lease loss provision to assets | 0.0847% | 2,282 |
| Net operating income to assets | 0.8696% | 2,903 |
| Return on assets (ROA) | 0.8696% | 3,022 |
| Pretax return on assets | 1.2366% | 2,524 |
| Return on Equity (ROE) | 6.1905% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.1905% | 2,380 |
| Net charge-offs to loans | 0.3463% | 706 |
| Credit loss provision to net charge-offs | 47.6190% | 2,124 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 2,169 |
| Efficiency ratio | 63.5514% | 4,546 |
| Assets per employee ($millions) | 4.8573% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 2,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 5,767 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.9055% | 4,757 |
| Net loans and leases to deposits | 62.6817% | 4,511 |
| Net loans and leases to core deposits | 65.8542% | 4,531 |
| Total domestic deposits to total assets | 81.2127% | 4,762 |
| Equity capital to assets | 14.2587% | 903 |
| Core capital (leverage) ratio | 13.6317% | 930 |
| Tier 1 risk-based capital ratio | 22.9384% | 1,110 |
| Total risk-based capital ratio | 24.1388% | 1,106 |
| Memoranda: | ||
| Average total assets | $141,677,500 | 3,787 |
| Average earning assets | $134,108,500 | 3,714 |
| Average equity | $19,901,500 | 3,243 |
| Average total loans | $72,777,500 | 4,109 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 2,457 |
| Cost of funding earning assets | 0.7331% | 938 |
| Net interest margin | 3.6079% | 3,387 |
| Noninterest income to average assets | 0.3486% | 4,612 |
| Noninterest expense to average assets | 2.3186% | 5,065 |
| Loan and lease loss provision to assets | 0.1205% | 2,167 |
| Net operating income to assets | 0.9417% | 2,663 |
| Return on assets (ROA) | 0.9417% | 2,757 |
| Pretax return on assets | 1.3414% | 2,103 |
| Return on Equity (ROE) | 6.9403% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.9507% | 2,631 |
| Net charge-offs to loans | 0.1901% | 2,146 |
| Credit loss provision to net charge-offs | 125.9259% | 1,902 |
| Earnings coverage of net charge-offs (x) | 15.2815% | 2,095 |
| Efficiency ratio | 61.3308% | 5,017 |
| Assets per employee ($millions) | 4.9136% | 2,430 |
| Cash dividends to net income (ytd only)* | 28.6682% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 2,777 |
| Loan loss allowance to noncurrent loans | 519.9005% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 5,469 |
| Noncurrent loans to loans | 0.2760% | 4,865 |
| Net loans and leases to total assets | 50.3825% | 4,933 |
| Net loans and leases to deposits | 61.5659% | 4,758 |
| Net loans and leases to core deposits | 64.3603% | 4,803 |
| Total domestic deposits to total assets | 81.8350% | 4,480 |
| Equity capital to assets | 13.8378% | 1,018 |
| Core capital (leverage) ratio | 13.4080% | 1,000 |
| Tier 1 risk-based capital ratio | 23.5451% | 1,001 |
| Total risk-based capital ratio | 24.7365% | 990 |
| Memoranda: | ||
| Average total assets | $141,122,600 | 3,777 |
| Average earning assets | $134,232,800 | 3,695 |
| Average equity | $19,149,000 | 3,266 |
| Average total loans | $70,997,400 | 4,146 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 2,583 |
| Cost of funding earning assets | 0.7348% | 966 |
| Net interest margin | 3.5756% | 3,529 |
| Noninterest income to average assets | 0.3324% | 4,777 |
| Noninterest expense to average assets | 2.3270% | 5,037 |
| Loan and lease loss provision to assets | 0.0852% | 2,651 |
| Net operating income to assets | 0.9386% | 2,742 |
| Return on assets (ROA) | 0.9386% | 2,828 |
| Pretax return on assets | 1.3354% | 2,253 |
| Return on Equity (ROE) | 6.9517% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.9517% | 1,841 |
| Net charge-offs to loans | 0.1985% | 1,879 |
| Credit loss provision to net charge-offs | 85.7143% | 2,501 |
| Earnings coverage of net charge-offs (x) | 14.2854% | 2,156 |
| Efficiency ratio | 62.0925% | 4,871 |
| Assets per employee ($millions) | 4.9801% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 3,325 |
| Loan loss allowance to noncurrent loans | 352.8369% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 5,414 |
| Noncurrent loans to loans | 0.3870% | 4,755 |
| Net loans and leases to total assets | 51.5476% | 4,852 |
| Net loans and leases to deposits | 63.3513% | 4,605 |
| Net loans and leases to core deposits | 66.6293% | 4,650 |
| Total domestic deposits to total assets | 81.3679% | 4,706 |
| Equity capital to assets | 14.1414% | 956 |
| Core capital (leverage) ratio | 13.5707% | 973 |
| Tier 1 risk-based capital ratio | 23.6532% | 1,028 |
| Total risk-based capital ratio | 24.8857% | 1,016 |
| Memoranda: | ||
| Average total assets | $140,779,750 | 3,814 |
| Average earning assets | $134,463,250 | 3,716 |
| Average equity | $19,006,750 | 3,301 |
| Average total loans | $70,537,500 | 4,199 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,708 |
| Cost of funding earning assets | 0.7418% | 958 |
| Net interest margin | 3.5267% | 3,672 |
| Noninterest income to average assets | 0.3116% | 4,928 |
| Noninterest expense to average assets | 2.3593% | 4,998 |
| Loan and lease loss provision to assets | 0.0850% | 2,610 |
| Net operating income to assets | 0.8766% | 2,926 |
| Return on assets (ROA) | 0.8766% | 3,011 |
| Pretax return on assets | 1.2335% | 2,528 |
| Return on Equity (ROE) | 6.5959% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.5959% | 1,983 |
| Net charge-offs to loans | -0.0086% | 5,292 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1509% | 4,667 |
| Assets per employee ($millions) | 4.8567% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 2,917 |
| Loan loss allowance to noncurrent loans | 304.8295% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 5,345 |
| Noncurrent loans to loans | 0.4909% | 4,524 |
| Net loans and leases to total assets | 50.1445% | 4,950 |
| Net loans and leases to deposits | 61.0888% | 4,779 |
| Net loans and leases to core deposits | 64.1926% | 4,805 |
| Total domestic deposits to total assets | 82.0846% | 4,613 |
| Equity capital to assets | 13.7094% | 1,080 |
| Core capital (leverage) ratio | 13.1890% | 1,090 |
| Tier 1 risk-based capital ratio | 23.3422% | 1,068 |
| Total risk-based capital ratio | 24.5933% | 1,050 |
| Memoranda: | ||
| Average total assets | $141,225,670 | 3,827 |
| Average earning assets | $134,800,000 | 3,731 |
| Average equity | $18,769,330 | 3,318 |
| Average total loans | $69,758,670 | 4,245 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 2,795 |
| Cost of funding earning assets | 0.7512% | 965 |
| Net interest margin | 3.4693% | 3,825 |
| Noninterest income to average assets | 0.2744% | 5,179 |
| Noninterest expense to average assets | 2.3986% | 4,928 |
| Loan and lease loss provision to assets | 0.0849% | 2,489 |
| Net operating income to assets | 0.8005% | 3,154 |
| Return on assets (ROA) | 0.8005% | 3,232 |
| Pretax return on assets | 1.1088% | 2,865 |
| Return on Equity (ROE) | 6.1191% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.1191% | 2,473 |
| Net charge-offs to loans | -0.0291% | 5,539 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7717% | 4,404 |
| Assets per employee ($millions) | 4.8709% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 3,176 |
| Loan loss allowance to noncurrent loans | 757.2464% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 5,952 |
| Noncurrent loans to loans | 0.1969% | 5,501 |
| Net loans and leases to total assets | 48.8839% | 5,018 |
| Net loans and leases to deposits | 59.4871% | 4,810 |
| Net loans and leases to core deposits | 62.5035% | 4,826 |
| Total domestic deposits to total assets | 82.1758% | 4,891 |
| Equity capital to assets | 13.2468% | 1,194 |
| Core capital (leverage) ratio | 12.9476% | 1,186 |
| Tier 1 risk-based capital ratio | 23.1438% | 1,123 |
| Total risk-based capital ratio | 24.3937% | 1,110 |
| Memoranda: | ||
| Average total assets | $141,416,000 | 3,859 |
| Average earning assets | $135,243,500 | 3,742 |
| Average equity | $18,499,500 | 3,351 |
| Average total loans | $68,788,500 | 4,306 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 3,541 |
| Cost of funding earning assets | 0.8808% | 816 |
| Net interest margin | 3.2681% | 4,783 |
| Noninterest income to average assets | 0.4804% | 3,883 |
| Noninterest expense to average assets | 2.2279% | 5,558 |
| Loan and lease loss provision to assets | 0.0860% | 3,392 |
| Net operating income to assets | 0.9106% | 2,725 |
| Return on assets (ROA) | 0.9106% | 2,813 |
| Pretax return on assets | 1.2821% | 2,226 |
| Return on Equity (ROE) | 6.9333% | 3,590 |
| Retained earnings to average equity (ytd only) | 4.9407% | 2,637 |
| Net charge-offs to loans | 0.0155% | 5,135 |
| Credit loss provision to net charge-offs | 1,200.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 190.8000% | 234 |
| Efficiency ratio | 61.9541% | 5,225 |
| Assets per employee ($millions) | 4.8819% | 2,332 |
| Cash dividends to net income (ytd only)* | 28.7402% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 3,213 |
| Loan loss allowance to noncurrent loans | 737.2263% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 6,052 |
| Noncurrent loans to loans | 0.2030% | 5,580 |
| Net loans and leases to total assets | 46.9504% | 5,404 |
| Net loans and leases to deposits | 56.8324% | 5,227 |
| Net loans and leases to core deposits | 60.2127% | 5,208 |
| Total domestic deposits to total assets | 82.6120% | 4,673 |
| Equity capital to assets | 12.9168% | 1,311 |
| Core capital (leverage) ratio | 12.8453% | 1,203 |
| Tier 1 risk-based capital ratio | 23.3804% | 1,041 |
| Total risk-based capital ratio | 24.5878% | 1,023 |
| Memoranda: | ||
| Average total assets | $139,461,200 | 3,880 |
| Average earning assets | $132,952,800 | 3,776 |
| Average equity | $18,317,400 | 3,367 |
| Average total loans | $64,655,200 | 4,455 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 3,607 |
| Cost of funding earning assets | 0.9088% | 783 |
| Net interest margin | 3.2299% | 4,898 |
| Noninterest income to average assets | 0.5297% | 3,592 |
| Noninterest expense to average assets | 2.1929% | 5,622 |
| Loan and lease loss provision to assets | 0.0864% | 3,336 |
| Net operating income to assets | 0.9357% | 2,659 |
| Return on assets (ROA) | 0.9357% | 2,773 |
| Pretax return on assets | 1.3234% | 2,240 |
| Return on Equity (ROE) | 7.0940% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.0940% | 1,830 |
| Net charge-offs to loans | 0.0063% | 5,049 |
| Credit loss provision to net charge-offs | 3,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 489.6550% | 120 |
| Efficiency ratio | 60.8684% | 5,303 |
| Assets per employee ($millions) | 4.7511% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 3,408 |
| Loan loss allowance to noncurrent loans | 671.4286% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 6,118 |
| Noncurrent loans to loans | 0.2252% | 5,670 |
| Net loans and leases to total assets | 46.6592% | 5,477 |
| Net loans and leases to deposits | 56.9631% | 5,283 |
| Net loans and leases to core deposits | 60.4733% | 5,262 |
| Total domestic deposits to total assets | 81.9113% | 4,961 |
| Equity capital to assets | 13.4299% | 1,150 |
| Core capital (leverage) ratio | 12.9965% | 1,206 |
| Tier 1 risk-based capital ratio | 24.1095% | 988 |
| Total risk-based capital ratio | 25.4218% | 956 |
| Memoranda: | ||
| Average total assets | $138,932,750 | 3,934 |
| Average earning assets | $132,179,250 | 3,834 |
| Average equity | $18,325,000 | 3,400 |
| Average total loans | $63,949,000 | 4,529 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 3,730 |
| Cost of funding earning assets | 0.9296% | 775 |
| Net interest margin | 3.1711% | 5,043 |
| Noninterest income to average assets | 0.6101% | 3,133 |
| Noninterest expense to average assets | 2.1835% | 5,672 |
| Loan and lease loss provision to assets | 0.0861% | 3,360 |
| Net operating income to assets | 0.9547% | 2,542 |
| Return on assets (ROA) | 0.9547% | 2,693 |
| Pretax return on assets | 1.3523% | 2,109 |
| Return on Equity (ROE) | 7.2816% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.2816% | 1,757 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2854% | 5,443 |
| Assets per employee ($millions) | 4.7934% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,594 |
| Loan loss allowance to noncurrent loans | 376.4706% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 5,946 |
| Noncurrent loans to loans | 0.3983% | 5,274 |
| Net loans and leases to total assets | 45.3651% | 5,601 |
| Net loans and leases to deposits | 55.2120% | 5,420 |
| Net loans and leases to core deposits | 58.4920% | 5,376 |
| Total domestic deposits to total assets | 82.1653% | 4,999 |
| Equity capital to assets | 13.2947% | 1,224 |
| Core capital (leverage) ratio | 12.7546% | 1,264 |
| Tier 1 risk-based capital ratio | 24.0353% | 995 |
| Total risk-based capital ratio | 25.3310% | 967 |
| Memoranda: | ||
| Average total assets | $139,316,330 | 3,964 |
| Average earning assets | $132,320,000 | 3,857 |
| Average equity | $18,265,330 | 3,427 |
| Average total loans | $63,507,000 | 4,558 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 3,610 |
| Cost of funding earning assets | 0.9648% | 727 |
| Net interest margin | 3.1627% | 5,053 |
| Noninterest income to average assets | 0.8375% | 1,971 |
| Noninterest expense to average assets | 2.1940% | 5,700 |
| Loan and lease loss provision to assets | 0.0860% | 3,228 |
| Net operating income to assets | 1.2763% | 1,341 |
| Return on assets (ROA) | 1.2763% | 1,439 |
| Pretax return on assets | 1.5659% | 1,391 |
| Return on Equity (ROE) | 9.8031% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.8031% | 1,152 |
| Net charge-offs to loans | 0.0063% | 4,036 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 576.0000% | 56 |
| Efficiency ratio | 57.0470% | 5,956 |
| Assets per employee ($millions) | 4.6281% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 3,943 |
| Loan loss allowance to noncurrent loans | 527.8409% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 6,193 |
| Noncurrent loans to loans | 0.2780% | 5,705 |
| Net loans and leases to total assets | 44.9356% | 5,560 |
| Net loans and leases to deposits | 54.6255% | 5,384 |
| Net loans and leases to core deposits | 58.0016% | 5,346 |
| Total domestic deposits to total assets | 82.2613% | 5,110 |
| Equity capital to assets | 13.2250% | 1,329 |
| Core capital (leverage) ratio | 12.3938% | 1,387 |
| Tier 1 risk-based capital ratio | 22.2286% | 1,288 |
| Total risk-based capital ratio | 23.4130% | 1,272 |
| Memoranda: | ||
| Average total assets | $139,469,500 | 3,999 |
| Average earning assets | $132,670,000 | 3,888 |
| Average equity | $18,157,500 | 3,505 |
| Average total loans | $63,249,500 | 4,590 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 3,333 |
| Cost of funding earning assets | 1.1493% | 735 |
| Net interest margin | 3.3663% | 5,018 |
| Noninterest income to average assets | 0.4321% | 4,370 |
| Noninterest expense to average assets | 2.1809% | 5,961 |
| Loan and lease loss provision to assets | 0.1092% | 4,264 |
| Net operating income to assets | 0.9621% | 2,490 |
| Return on assets (ROA) | 0.9621% | 2,729 |
| Pretax return on assets | 1.3438% | 2,234 |
| Return on Equity (ROE) | 7.2790% | 3,477 |
| Retained earnings to average equity (ytd only) | 5.3083% | 2,497 |
| Net charge-offs to loans | 0.0779% | 4,895 |
| Credit loss provision to net charge-offs | 302.0833% | 805 |
| Earnings coverage of net charge-offs (x) | 40.2083% | 797 |
| Efficiency ratio | 60.0166% | 5,537 |
| Assets per employee ($millions) | 4.6699% | 2,679 |
| Cash dividends to net income (ytd only)* | 27.0736% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 4,044 |
| Loan loss allowance to noncurrent loans | 750.0000% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 6,378 |
| Noncurrent loans to loans | 0.1899% | 5,993 |
| Net loans and leases to total assets | 44.4552% | 5,774 |
| Net loans and leases to deposits | 53.7262% | 5,677 |
| Net loans and leases to core deposits | 57.2742% | 5,613 |
| Total domestic deposits to total assets | 82.7440% | 4,825 |
| Equity capital to assets | 12.8148% | 1,536 |
| Core capital (leverage) ratio | 12.1899% | 1,456 |
| Tier 1 risk-based capital ratio | 22.1113% | 1,245 |
| Total risk-based capital ratio | 23.2869% | 1,225 |
| Memoranda: | ||
| Average total assets | $132,837,200 | 4,086 |
| Average earning assets | $126,340,000 | 3,975 |
| Average equity | $17,557,400 | 3,527 |
| Average total loans | $61,632,600 | 4,652 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 3,441 |
| Cost of funding earning assets | 1.1756% | 776 |
| Net interest margin | 3.3706% | 5,135 |
| Noninterest income to average assets | 0.4437% | 4,338 |
| Noninterest expense to average assets | 2.2021% | 5,947 |
| Loan and lease loss provision to assets | 0.0916% | 4,452 |
| Net operating income to assets | 0.9698% | 2,661 |
| Return on assets (ROA) | 0.9698% | 2,879 |
| Pretax return on assets | 1.3565% | 2,387 |
| Return on Equity (ROE) | 7.2780% | 3,646 |
| Retained earnings to average equity (ytd only) | 7.2780% | 1,956 |
| Net charge-offs to loans | 0.0697% | 4,717 |
| Credit loss provision to net charge-offs | 281.2500% | 962 |
| Earnings coverage of net charge-offs (x) | 44.4643% | 816 |
| Efficiency ratio | 60.3290% | 5,443 |
| Assets per employee ($millions) | 4.3247% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 4,448 |
| Loan loss allowance to noncurrent loans | 313.0909% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 6,202 |
| Noncurrent loans to loans | 0.4417% | 5,565 |
| Net loans and leases to total assets | 45.8002% | 5,783 |
| Net loans and leases to deposits | 55.9450% | 5,643 |
| Net loans and leases to core deposits | 60.0883% | 5,548 |
| Total domestic deposits to total assets | 81.8665% | 5,067 |
| Equity capital to assets | 13.2851% | 1,452 |
| Core capital (leverage) ratio | 12.7277% | 1,305 |
| Tier 1 risk-based capital ratio | 22.4083% | 1,263 |
| Total risk-based capital ratio | 23.5419% | 1,262 |
| Memoranda: | ||
| Average total assets | $131,022,500 | 4,158 |
| Average earning assets | $124,642,000 | 4,049 |
| Average equity | $17,458,500 | 3,579 |
| Average total loans | $61,245,750 | 4,716 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 3,444 |
| Cost of funding earning assets | 1.2030% | 805 |
| Net interest margin | 3.3772% | 5,179 |
| Noninterest income to average assets | 0.4215% | 4,489 |
| Noninterest expense to average assets | 2.2676% | 5,822 |
| Loan and lease loss provision to assets | 0.0923% | 4,409 |
| Net operating income to assets | 0.9169% | 2,823 |
| Return on assets (ROA) | 0.9169% | 3,088 |
| Pretax return on assets | 1.2661% | 2,665 |
| Return on Equity (ROE) | 6.8739% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.8739% | 2,170 |
| Net charge-offs to loans | 0.1018% | 4,140 |
| Credit loss provision to net charge-offs | 193.5484% | 1,461 |
| Earnings coverage of net charge-offs (x) | 28.4839% | 1,108 |
| Efficiency ratio | 62.5371% | 5,162 |
| Assets per employee ($millions) | 4.4108% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 4,629 |
| Loan loss allowance to noncurrent loans | 424.4898% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 6,416 |
| Noncurrent loans to loans | 0.3198% | 5,915 |
| Net loans and leases to total assets | 45.6841% | 5,849 |
| Net loans and leases to deposits | 55.9002% | 5,659 |
| Net loans and leases to core deposits | 59.2506% | 5,673 |
| Total domestic deposits to total assets | 81.7244% | 5,229 |
| Equity capital to assets | 13.3831% | 1,345 |
| Core capital (leverage) ratio | 12.6655% | 1,284 |
| Tier 1 risk-based capital ratio | 22.2884% | 1,235 |
| Total risk-based capital ratio | 23.4014% | 1,246 |
| Memoranda: | ||
| Average total assets | $130,007,670 | 4,209 |
| Average earning assets | $123,357,670 | 4,092 |
| Average equity | $17,341,000 | 3,594 |
| Average total loans | $60,906,330 | 4,744 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 3,420 |
| Cost of funding earning assets | 1.2398% | 808 |
| Net interest margin | 3.3783% | 5,203 |
| Noninterest income to average assets | 0.4284% | 4,468 |
| Noninterest expense to average assets | 2.3283% | 5,696 |
| Loan and lease loss provision to assets | 0.0931% | 4,182 |
| Net operating income to assets | 0.8816% | 3,010 |
| Return on assets (ROA) | 0.8816% | 3,229 |
| Pretax return on assets | 1.2045% | 2,898 |
| Return on Equity (ROE) | 6.6212% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.6212% | 2,619 |
| Net charge-offs to loans | 0.0132% | 4,515 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 172 |
| Efficiency ratio | 64.2123% | 4,885 |
| Assets per employee ($millions) | 4.1777% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 4,739 |
| Loan loss allowance to noncurrent loans | 399.0385% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 6,487 |
| Noncurrent loans to loans | 0.3427% | 5,986 |
| Net loans and leases to total assets | 46.2196% | 5,758 |
| Net loans and leases to deposits | 56.4601% | 5,552 |
| Net loans and leases to core deposits | 59.3898% | 5,588 |
| Total domestic deposits to total assets | 81.8624% | 5,340 |
| Equity capital to assets | 13.3171% | 1,310 |
| Core capital (leverage) ratio | 12.5471% | 1,323 |
| Tier 1 risk-based capital ratio | 22.1877% | 1,258 |
| Total risk-based capital ratio | 23.3174% | 1,246 |
| Memoranda: | ||
| Average total assets | $128,849,500 | 4,259 |
| Average earning assets | $121,954,000 | 4,154 |
| Average equity | $17,157,000 | 3,618 |
| Average total loans | $60,718,000 | 4,785 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 2,262 |
| Cost of funding earning assets | 1.4902% | 745 |
| Net interest margin | 3.6570% | 4,486 |
| Noninterest income to average assets | 0.4809% | 3,988 |
| Noninterest expense to average assets | 2.4151% | 5,731 |
| Loan and lease loss provision to assets | 0.0983% | 5,362 |
| Net operating income to assets | 0.9855% | 2,256 |
| Return on assets (ROA) | 0.9855% | 2,397 |
| Pretax return on assets | 1.3591% | 1,917 |
| Return on Equity (ROE) | 7.3527% | 3,219 |
| Retained earnings to average equity (ytd only) | 5.3296% | 2,431 |
| Net charge-offs to loans | 0.0579% | 5,727 |
| Credit loss provision to net charge-offs | 342.8571% | 671 |
| Earnings coverage of net charge-offs (x) | 50.8286% | 550 |
| Efficiency ratio | 62.3651% | 5,401 |
| Assets per employee ($millions) | 4.2730% | 3,318 |
| Cash dividends to net income (ytd only)* | 27.5145% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 4,797 |
| Loan loss allowance to noncurrent loans | 1,338.3333% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 6,840 |
| Noncurrent loans to loans | 0.0988% | 6,565 |
| Net loans and leases to total assets | 46.7622% | 5,940 |
| Net loans and leases to deposits | 56.8529% | 5,810 |
| Net loans and leases to core deposits | 59.7903% | 5,869 |
| Total domestic deposits to total assets | 82.2512% | 5,048 |
| Equity capital to assets | 13.3139% | 1,357 |
| Core capital (leverage) ratio | 12.7112% | 1,262 |
| Tier 1 risk-based capital ratio | 21.6695% | 1,287 |
| Total risk-based capital ratio | 22.7553% | 1,289 |
| Memoranda: | ||
| Average total assets | $122,067,400 | 4,347 |
| Average earning assets | $113,206,200 | 4,305 |
| Average equity | $16,361,400 | 3,671 |
| Average total loans | $60,499,000 | 4,845 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2134% | 2,156 |
| Cost of funding earning assets | 1.5447% | 732 |
| Net interest margin | 3.6686% | 4,480 |
| Noninterest income to average assets | 0.5055% | 3,830 |
| Noninterest expense to average assets | 2.4235% | 5,705 |
| Loan and lease loss provision to assets | 0.0996% | 5,213 |
| Net operating income to assets | 0.9933% | 2,352 |
| Return on assets (ROA) | 0.9933% | 2,497 |
| Pretax return on assets | 1.3738% | 2,028 |
| Return on Equity (ROE) | 7.3976% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.3976% | 1,776 |
| Net charge-offs to loans | 0.0618% | 5,349 |
| Credit loss provision to net charge-offs | 321.4286% | 871 |
| Earnings coverage of net charge-offs (x) | 47.5746% | 674 |
| Efficiency ratio | 62.1913% | 5,382 |
| Assets per employee ($millions) | 4.0595% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 5,121 |
| Loan loss allowance to noncurrent loans | 534.2466% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 6,749 |
| Noncurrent loans to loans | 0.2387% | 6,397 |
| Net loans and leases to total assets | 49.5747% | 5,760 |
| Net loans and leases to deposits | 61.1040% | 5,504 |
| Net loans and leases to core deposits | 63.7802% | 5,640 |
| Total domestic deposits to total assets | 81.1317% | 5,389 |
| Equity capital to assets | 13.9417% | 1,178 |
| Core capital (leverage) ratio | 13.1651% | 1,166 |
| Tier 1 risk-based capital ratio | 21.9246% | 1,302 |
| Total risk-based capital ratio | 22.9954% | 1,300 |
| Memoranda: | ||
| Average total assets | $120,537,000 | 4,406 |
| Average earning assets | $111,429,000 | 4,374 |
| Average equity | $16,185,000 | 3,708 |
| Average total loans | $60,437,000 | 4,890 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 2,303 |
| Cost of funding earning assets | 1.5973% | 699 |
| Net interest margin | 3.5911% | 4,754 |
| Noninterest income to average assets | 0.4729% | 4,086 |
| Noninterest expense to average assets | 2.4475% | 5,708 |
| Loan and lease loss provision to assets | 0.0999% | 5,074 |
| Net operating income to assets | 0.9224% | 2,547 |
| Return on assets (ROA) | 0.9224% | 2,651 |
| Pretax return on assets | 1.2571% | 2,278 |
| Return on Equity (ROE) | 6.9597% | 3,465 |
| Retained earnings to average equity (ytd only) | 6.9597% | 1,895 |
| Net charge-offs to loans | 0.0963% | 4,714 |
| Credit loss provision to net charge-offs | 206.8966% | 1,453 |
| Earnings coverage of net charge-offs (x) | 28.1034% | 971 |
| Efficiency ratio | 64.3326% | 5,176 |
| Assets per employee ($millions) | 3.9980% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 5,480 |
| Loan loss allowance to noncurrent loans | 242.3948% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 6,482 |
| Noncurrent loans to loans | 0.5021% | 5,898 |
| Net loans and leases to total assets | 50.6878% | 5,732 |
| Net loans and leases to deposits | 61.9024% | 5,515 |
| Net loans and leases to core deposits | 64.8618% | 5,624 |
| Total domestic deposits to total assets | 81.8834% | 5,205 |
| Equity capital to assets | 13.4967% | 1,297 |
| Core capital (leverage) ratio | 12.9845% | 1,168 |
| Tier 1 risk-based capital ratio | 21.6670% | 1,300 |
| Total risk-based capital ratio | 22.6964% | 1,312 |
| Memoranda: | ||
| Average total assets | $120,120,670 | 4,449 |
| Average earning assets | $111,441,330 | 4,400 |
| Average equity | $15,920,330 | 3,746 |
| Average total loans | $60,197,670 | 4,949 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1721% | 2,341 |
| Cost of funding earning assets | 1.6859% | 589 |
| Net interest margin | 3.4862% | 5,071 |
| Noninterest income to average assets | 0.4592% | 4,194 |
| Noninterest expense to average assets | 2.4690% | 5,674 |
| Loan and lease loss provision to assets | 0.0998% | 4,759 |
| Net operating income to assets | 0.8518% | 2,772 |
| Return on assets (ROA) | 0.8518% | 2,834 |
| Pretax return on assets | 1.1380% | 2,613 |
| Return on Equity (ROE) | 6.4866% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.4866% | 2,379 |
| Net charge-offs to loans | 0.0739% | 4,199 |
| Credit loss provision to net charge-offs | 272.7273% | 1,154 |
| Earnings coverage of net charge-offs (x) | 33.8182% | 767 |
| Efficiency ratio | 66.6068% | 4,924 |
| Assets per employee ($millions) | 4.0009% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 5,372 |
| Loan loss allowance to noncurrent loans | 775.7895% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 6,963 |
| Noncurrent loans to loans | 0.1615% | 6,654 |
| Net loans and leases to total assets | 48.4070% | 6,034 |
| Net loans and leases to deposits | 58.9996% | 5,823 |
| Net loans and leases to core deposits | 61.4617% | 5,976 |
| Total domestic deposits to total assets | 82.0464% | 5,296 |
| Equity capital to assets | 13.3563% | 1,238 |
| Core capital (leverage) ratio | 12.7679% | 1,212 |
| Tier 1 risk-based capital ratio | 21.7797% | 1,265 |
| Total risk-based capital ratio | 22.8162% | 1,283 |
| Memoranda: | ||
| Average total assets | $120,211,000 | 4,477 |
| Average earning assets | $111,985,000 | 4,407 |
| Average equity | $15,786,500 | 3,754 |
| Average total loans | $59,524,500 | 5,025 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 1,903 |
| Cost of funding earning assets | 2.0568% | 497 |
| Net interest margin | 3.5396% | 5,077 |
| Noninterest income to average assets | 0.5261% | 3,983 |
| Noninterest expense to average assets | 2.4623% | 5,911 |
| Loan and lease loss provision to assets | 0.1725% | 5,494 |
| Net operating income to assets | 0.8435% | 2,617 |
| Return on assets (ROA) | 0.8435% | 2,753 |
| Pretax return on assets | 1.1298% | 2,462 |
| Return on Equity (ROE) | 6.2709% | 3,465 |
| Retained earnings to average equity (ytd only) | 4.2511% | 2,870 |
| Net charge-offs to loans | 0.1344% | 5,569 |
| Credit loss provision to net charge-offs | 253.1646% | 1,116 |
| Earnings coverage of net charge-offs (x) | 19.1139% | 1,079 |
| Efficiency ratio | 65.4066% | 5,086 |
| Assets per employee ($millions) | 4.0132% | 3,756 |
| Cash dividends to net income (ytd only)* | 32.2086% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 5,554 |
| Loan loss allowance to noncurrent loans | 314.9123% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 6,756 |
| Noncurrent loans to loans | 0.3787% | 6,290 |
| Net loans and leases to total assets | 49.4144% | 6,223 |
| Net loans and leases to deposits | 59.7373% | 6,083 |
| Net loans and leases to core deposits | 62.2644% | 6,218 |
| Total domestic deposits to total assets | 82.7195% | 4,922 |
| Equity capital to assets | 12.9091% | 1,437 |
| Core capital (leverage) ratio | 12.4706% | 1,326 |
| Tier 1 risk-based capital ratio | 20.8690% | 1,334 |
| Total risk-based capital ratio | 21.8584% | 1,366 |
| Memoranda: | ||
| Average total assets | $115,948,800 | 4,577 |
| Average earning assets | $106,085,400 | 4,563 |
| Average equity | $15,595,800 | 3,841 |
| Average total loans | $58,783,000 | 5,121 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6637% | 1,832 |
| Cost of funding earning assets | 2.1265% | 487 |
| Net interest margin | 3.5373% | 5,156 |
| Noninterest income to average assets | 0.5225% | 4,011 |
| Noninterest expense to average assets | 2.4672% | 5,827 |
| Loan and lease loss provision to assets | 0.1277% | 5,745 |
| Net operating income to assets | 0.8510% | 2,807 |
| Return on assets (ROA) | 0.8510% | 2,939 |
| Pretax return on assets | 1.1471% | 2,678 |
| Return on Equity (ROE) | 6.2611% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.2611% | 2,225 |
| Net charge-offs to loans | 0.1255% | 5,297 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 19.9640% | 1,184 |
| Efficiency ratio | 65.9324% | 4,876 |
| Assets per employee ($millions) | 4.1825% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 5,994 |
| Loan loss allowance to noncurrent loans | 257.7075% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 6,825 |
| Noncurrent loans to loans | 0.4220% | 6,356 |
| Net loans and leases to total assets | 50.6421% | 6,256 |
| Net loans and leases to deposits | 62.0840% | 6,108 |
| Net loans and leases to core deposits | 65.2041% | 6,191 |
| Total domestic deposits to total assets | 81.5703% | 5,173 |
| Equity capital to assets | 13.7486% | 1,258 |
| Core capital (leverage) ratio | 12.9297% | 1,259 |
| Tier 1 risk-based capital ratio | 21.2574% | 1,319 |
| Total risk-based capital ratio | 22.1706% | 1,346 |
| Memoranda: | ||
| Average total assets | $114,837,000 | 4,658 |
| Average earning assets | $104,522,000 | 4,651 |
| Average equity | $15,609,250 | 3,877 |
| Average total loans | $58,426,000 | 5,208 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7149% | 1,709 |
| Cost of funding earning assets | 2.1748% | 506 |
| Net interest margin | 3.5401% | 5,090 |
| Noninterest income to average assets | 0.4891% | 4,202 |
| Noninterest expense to average assets | 2.4702% | 5,834 |
| Loan and lease loss provision to assets | 0.1052% | 5,864 |
| Net operating income to assets | 0.8275% | 2,836 |
| Return on assets (ROA) | 0.8275% | 2,989 |
| Pretax return on assets | 1.1185% | 2,717 |
| Return on Equity (ROE) | 6.1119% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.1119% | 2,273 |
| Net charge-offs to loans | 0.1416% | 4,809 |
| Credit loss provision to net charge-offs | 146.3415% | 2,701 |
| Earnings coverage of net charge-offs (x) | 17.0244% | 1,370 |
| Efficiency ratio | 66.8723% | 4,797 |
| Assets per employee ($millions) | 3.9842% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 6,162 |
| Loan loss allowance to noncurrent loans | 855.5556% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 7,235 |
| Noncurrent loans to loans | 0.1233% | 7,022 |
| Net loans and leases to total assets | 49.9944% | 6,433 |
| Net loans and leases to deposits | 60.9091% | 6,321 |
| Net loans and leases to core deposits | 64.0836% | 6,393 |
| Total domestic deposits to total assets | 82.0803% | 4,949 |
| Equity capital to assets | 13.5577% | 1,322 |
| Core capital (leverage) ratio | 13.0057% | 1,211 |
| Tier 1 risk-based capital ratio | 21.4457% | 1,276 |
| Total risk-based capital ratio | 22.3266% | 1,303 |
| Memoranda: | ||
| Average total assets | $114,079,330 | 4,703 |
| Average earning assets | $103,274,000 | 4,714 |
| Average equity | $15,445,330 | 3,899 |
| Average total loans | $57,915,000 | 5,273 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6639% | 1,909 |
| Cost of funding earning assets | 2.2160% | 562 |
| Net interest margin | 3.4479% | 5,380 |
| Noninterest income to average assets | 0.4517% | 4,451 |
| Noninterest expense to average assets | 2.4950% | 5,746 |
| Loan and lease loss provision to assets | 0.1059% | 5,566 |
| Net operating income to assets | 0.7481% | 3,222 |
| Return on assets (ROA) | 0.7481% | 3,329 |
| Pretax return on assets | 0.9916% | 3,124 |
| Return on Equity (ROE) | 5.5297% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.5297% | 2,852 |
| Net charge-offs to loans | 0.0069% | 5,503 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 311.0000% | 99 |
| Efficiency ratio | 69.4499% | 4,419 |
| Assets per employee ($millions) | 3.9415% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 5,995 |
| Loan loss allowance to noncurrent loans | 496.8254% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 7,203 |
| Noncurrent loans to loans | 0.2218% | 6,887 |
| Net loans and leases to total assets | 49.1461% | 6,560 |
| Net loans and leases to deposits | 59.8368% | 6,487 |
| Net loans and leases to core deposits | 62.5582% | 6,551 |
| Total domestic deposits to total assets | 82.1336% | 5,021 |
| Equity capital to assets | 13.5297% | 1,310 |
| Core capital (leverage) ratio | 13.0394% | 1,204 |
| Tier 1 risk-based capital ratio | 21.5556% | 1,260 |
| Total risk-based capital ratio | 22.4679% | 1,284 |
| Memoranda: | ||
| Average total assets | $113,347,500 | 4,788 |
| Average earning assets | $103,250,000 | 4,774 |
| Average equity | $15,335,500 | 3,954 |
| Average total loans | $57,682,000 | 5,350 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7551% | 2,841 |
| Cost of funding earning assets | 2.4737% | 1,083 |
| Net interest margin | 3.2814% | 5,812 |
| Noninterest income to average assets | 0.5456% | 4,058 |
| Noninterest expense to average assets | 2.5399% | 5,984 |
| Loan and lease loss provision to assets | 0.0917% | 6,684 |
| Net operating income to assets | 0.7473% | 2,734 |
| Return on assets (ROA) | 0.7473% | 2,825 |
| Pretax return on assets | 1.0096% | 2,561 |
| Return on Equity (ROE) | 5.4455% | 3,455 |
| Retained earnings to average equity (ytd only) | 3.3809% | 2,802 |
| Net charge-offs to loans | 0.3541% | 4,460 |
| Credit loss provision to net charge-offs | 49.0196% | 6,758 |
| Earnings coverage of net charge-offs (x) | 5.8873% | 2,477 |
| Efficiency ratio | 69.7557% | 4,678 |
| Assets per employee ($millions) | 3.8756% | 4,082 |
| Cash dividends to net income (ytd only)* | 37.9141% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 6,272 |
| Loan loss allowance to noncurrent loans | 94.0157% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 6,046 |
| Noncurrent loans to loans | 1.0843% | 5,152 |
| Net loans and leases to total assets | 51.5744% | 6,472 |
| Net loans and leases to deposits | 62.8415% | 6,381 |
| Net loans and leases to core deposits | 81.1607% | 5,986 |
| Total domestic deposits to total assets | 82.0706% | 4,914 |
| Equity capital to assets | 13.5296% | 1,308 |
| Core capital (leverage) ratio | 13.1189% | 1,222 |
| Tier 1 risk-based capital ratio | 20.9234% | 1,309 |
| Total risk-based capital ratio | 21.7778% | 1,337 |
| Memoranda: | ||
| Average total assets | $109,058,000 | 4,849 |
| Average earning assets | $102,882,000 | 4,761 |
| Average equity | $14,966,400 | 4,063 |
| Average total loans | $57,616,000 | 5,356 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7574% | 3,072 |
| Cost of funding earning assets | 2.5143% | 1,253 |
| Net interest margin | 3.2431% | 5,868 |
| Noninterest income to average assets | 0.5679% | 3,942 |
| Noninterest expense to average assets | 2.5563% | 5,873 |
| Loan and lease loss provision to assets | 0.0554% | 6,813 |
| Net operating income to assets | 0.7614% | 2,977 |
| Return on assets (ROA) | 0.7614% | 3,041 |
| Pretax return on assets | 1.0373% | 2,786 |
| Return on Equity (ROE) | 5.5277% | 3,721 |
| Retained earnings to average equity (ytd only) | 5.5277% | 2,187 |
| Net charge-offs to loans | 0.4392% | 3,486 |
| Credit loss provision to net charge-offs | 23.8095% | 6,542 |
| Earnings coverage of net charge-offs (x) | 4.6932% | 3,036 |
| Efficiency ratio | 70.0540% | 4,577 |
| Assets per employee ($millions) | 3.6250% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 6,514 |
| Loan loss allowance to noncurrent loans | 133.2536% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 6,500 |
| Noncurrent loans to loans | 0.7167% | 5,870 |
| Net loans and leases to total assets | 53.1200% | 6,481 |
| Net loans and leases to deposits | 65.4699% | 6,357 |
| Net loans and leases to core deposits | 84.5773% | 5,996 |
| Total domestic deposits to total assets | 81.1366% | 5,019 |
| Equity capital to assets | 14.1674% | 1,248 |
| Core capital (leverage) ratio | 13.3594% | 1,275 |
| Tier 1 risk-based capital ratio | 21.4906% | 1,293 |
| Total risk-based capital ratio | 22.3047% | 1,344 |
| Memoranda: | ||
| Average total assets | $108,224,750 | 4,907 |
| Average earning assets | $102,821,250 | 4,794 |
| Average equity | $14,906,500 | 4,112 |
| Average total loans | $57,379,500 | 5,409 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7294% | 3,395 |
| Cost of funding earning assets | 2.5289% | 1,510 |
| Net interest margin | 3.2005% | 5,913 |
| Noninterest income to average assets | 0.5812% | 3,833 |
| Noninterest expense to average assets | 2.5655% | 5,881 |
| Loan and lease loss provision to assets | 0.0555% | 6,666 |
| Net operating income to assets | 0.7385% | 3,100 |
| Return on assets (ROA) | 0.7385% | 3,203 |
| Pretax return on assets | 1.0125% | 2,958 |
| Return on Equity (ROE) | 5.4140% | 3,897 |
| Retained earnings to average equity (ytd only) | 5.4140% | 2,287 |
| Net charge-offs to loans | 0.0386% | 5,926 |
| Credit loss provision to net charge-offs | 272.7273% | 1,712 |
| Earnings coverage of net charge-offs (x) | 52.4545% | 665 |
| Efficiency ratio | 70.6062% | 4,654 |
| Assets per employee ($millions) | 3.5410% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 4,669 |
| Loan loss allowance to noncurrent loans | 129.7297% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 6,174 |
| Noncurrent loans to loans | 0.9563% | 5,311 |
| Net loans and leases to total assets | 52.2146% | 6,660 |
| Net loans and leases to deposits | 65.2423% | 6,462 |
| Net loans and leases to core deposits | 83.3287% | 6,134 |
| Total domestic deposits to total assets | 80.0319% | 5,466 |
| Equity capital to assets | 13.5146% | 1,489 |
| Core capital (leverage) ratio | 13.2579% | 1,344 |
| Tier 1 risk-based capital ratio | 21.3114% | 1,346 |
| Total risk-based capital ratio | 22.3648% | 1,344 |
| Memoranda: | ||
| Average total assets | $108,049,670 | 4,939 |
| Average earning assets | $103,047,000 | 4,813 |
| Average equity | $14,739,670 | 4,151 |
| Average total loans | $57,064,330 | 5,463 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7172% | 3,702 |
| Cost of funding earning assets | 2.5648% | 1,679 |
| Net interest margin | 3.1524% | 6,006 |
| Noninterest income to average assets | 0.5971% | 3,570 |
| Noninterest expense to average assets | 2.5152% | 5,784 |
| Loan and lease loss provision to assets | 0.0560% | 6,261 |
| Net operating income to assets | 0.7463% | 3,366 |
| Return on assets (ROA) | 0.7463% | 3,544 |
| Pretax return on assets | 1.0486% | 3,177 |
| Return on Equity (ROE) | 5.4451% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.4451% | 2,880 |
| Net charge-offs to loans | 0.0283% | 5,131 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 553 |
| Efficiency ratio | 69.4845% | 4,681 |
| Assets per employee ($millions) | 3.4685% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 4,246 |
| Loan loss allowance to noncurrent loans | 125.3521% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 5,900 |
| Noncurrent loans to loans | 1.0163% | 4,967 |
| Net loans and leases to total assets | 51.3136% | 6,747 |
| Net loans and leases to deposits | 64.8416% | 6,479 |
| Net loans and leases to core deposits | 83.1337% | 6,136 |
| Total domestic deposits to total assets | 79.1369% | 5,671 |
| Equity capital to assets | 13.7522% | 1,440 |
| Core capital (leverage) ratio | 13.3517% | 1,372 |
| Tier 1 risk-based capital ratio | 21.5193% | 1,367 |
| Total risk-based capital ratio | 22.5857% | 1,364 |
| Memoranda: | ||
| Average total assets | $107,189,500 | 4,977 |
| Average earning assets | $102,778,000 | 4,838 |
| Average equity | $14,692,000 | 4,194 |
| Average total loans | $56,578,500 | 5,521 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1465% | 4,793 |
| Cost of funding earning assets | 2.9070% | 2,239 |
| Net interest margin | 3.2395% | 6,242 |
| Noninterest income to average assets | 0.5166% | 4,496 |
| Noninterest expense to average assets | 2.4884% | 6,053 |
| Loan and lease loss provision to assets | 0.0852% | 6,322 |
| Net operating income to assets | 0.7567% | 3,634 |
| Return on assets (ROA) | 0.7995% | 3,272 |
| Pretax return on assets | 1.0900% | 3,059 |
| Return on Equity (ROE) | 5.9279% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.8233% | 2,749 |
| Net charge-offs to loans | 0.0624% | 5,882 |
| Credit loss provision to net charge-offs | 257.1429% | 1,803 |
| Earnings coverage of net charge-offs (x) | 33.7143% | 1,076 |
| Efficiency ratio | 69.0289% | 4,527 |
| Assets per employee ($millions) | 3.4469% | 4,803 |
| Cash dividends to net income (ytd only)* | 35.5030% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 4,358 |
| Loan loss allowance to noncurrent loans | 132.0755% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4960% | 5,711 |
| Noncurrent loans to loans | 0.9254% | 4,773 |
| Net loans and leases to total assets | 52.9414% | 6,754 |
| Net loans and leases to deposits | 66.9539% | 6,569 |
| Net loans and leases to core deposits | 84.4757% | 6,256 |
| Total domestic deposits to total assets | 79.0714% | 5,353 |
| Equity capital to assets | 13.6607% | 1,548 |
| Core capital (leverage) ratio | 13.3588% | 1,429 |
| Tier 1 risk-based capital ratio | 20.9802% | 1,458 |
| Total risk-based capital ratio | 22.0167% | 1,470 |
| Memoranda: | ||
| Average total assets | $105,691,200 | 4,885 |
| Average earning assets | $100,756,600 | 4,786 |
| Average equity | $14,254,600 | 4,280 |
| Average total loans | $56,129,800 | 5,440 |