Home > The Bank of Tioga > Performance and Condition Ratios
The Bank of Tioga, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 3,600 |
| Cost of funding earning assets | 2.4871% | 886 |
| Net interest margin | 2.2223% | 4,209 |
| Noninterest income to average assets | 0.0500% | 4,305 |
| Noninterest expense to average assets | 1.5053% | 4,212 |
| Loan and lease loss provision to assets | -0.0400% | 4,250 |
| Net operating income to assets | 0.4752% | 3,614 |
| Return on assets (ROA) | 0.4752% | 3,627 |
| Pretax return on assets | 0.5925% | 3,587 |
| Return on Equity (ROE) | 15.2400% | 1,019 |
| Retained earnings to average equity (ytd only) | 15.2362% | 397 |
| Net charge-offs to loans | 0.0114% | 1,827 |
| Credit loss provision to net charge-offs | -1,066.6667% | 4,451 |
| Earnings coverage of net charge-offs (x) | 206.0000% | 411 |
| Efficiency ratio | 73.1304% | 1,510 |
| Assets per employee ($millions) | 13.9897% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 3,604 |
| Loan loss allowance to noncurrent loans | 164.7887% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 1,887 |
| Noncurrent loans to loans | 0.5473% | 1,763 |
| Net loans and leases to total assets | 22.9700% | 4,279 |
| Net loans and leases to deposits | 23.9034% | 4,306 |
| Net loans and leases to core deposits | 40.4895% | 4,159 |
| Total domestic deposits to total assets | 96.1100% | 23 |
| Equity capital to assets | 3.0377% | 4,442 |
| Core capital (leverage) ratio | 7.2899% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7356% | 1,325 |
| Memoranda: | ||
| Average total assets | $446,949,500 | 1,940 |
| Average earning assets | $404,806,000 | 1,958 |
| Average equity | $13,940,500 | 3,465 |
| Average total loans | $105,606,000 | 3,166 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 3,523 |
| Cost of funding earning assets | 2.5576% | 1,038 |
| Net interest margin | 2.1888% | 4,165 |
| Noninterest income to average assets | 0.5200% | 1,840 |
| Noninterest expense to average assets | 1.5590% | 4,207 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 0.6236% | 3,174 |
| Return on assets (ROA) | 0.6256% | 3,189 |
| Pretax return on assets | 0.8314% | 2,977 |
| Return on Equity (ROE) | 21.9300% | 295 |
| Retained earnings to average equity (ytd only) | 21.9284% | 45 |
| Net charge-offs to loans | 0.0056% | 2,725 |
| Credit loss provision to net charge-offs | 3,883.3333% | 136 |
| Earnings coverage of net charge-offs (x) | 662.6667% | 203 |
| Efficiency ratio | 58.8987% | 3,282 |
| Assets per employee ($millions) | 13.5221% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 3,625 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 2,293 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 23.8600% | 4,290 |
| Net loans and leases to deposits | 24.9129% | 4,318 |
| Net loans and leases to core deposits | 44.1068% | 4,132 |
| Total domestic deposits to total assets | 95.7600% | 34 |
| Equity capital to assets | 3.2006% | 4,453 |
| Core capital (leverage) ratio | 7.1979% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2813% | 1,455 |
| Memoranda: | ||
| Average total assets | $427,585,800 | 1,968 |
| Average earning assets | $383,955,800 | 2,003 |
| Average equity | $12,198,800 | 3,583 |
| Average total loans | $107,491,400 | 3,138 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 3,538 |
| Cost of funding earning assets | 2.5398% | 1,096 |
| Net interest margin | 2.1661% | 4,193 |
| Noninterest income to average assets | 0.5400% | 1,719 |
| Noninterest expense to average assets | 1.5719% | 4,196 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 0.6723% | 3,049 |
| Return on assets (ROA) | 0.6753% | 3,064 |
| Pretax return on assets | 0.7793% | 3,095 |
| Return on Equity (ROE) | 24.4600% | 215 |
| Retained earnings to average equity (ytd only) | 24.4556% | 53 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 59.2753% | 3,235 |
| Assets per employee ($millions) | 13.0461% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 3,760 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 2,277 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 24.8500% | 4,314 |
| Net loans and leases to deposits | 25.8377% | 4,347 |
| Net loans and leases to core deposits | 45.6547% | 4,134 |
| Total domestic deposits to total assets | 96.1800% | 8 |
| Equity capital to assets | 2.7689% | 4,508 |
| Core capital (leverage) ratio | 7.6054% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8238% | 1,587 |
| Memoranda: | ||
| Average total assets | $422,925,000 | 1,974 |
| Average earning assets | $379,236,750 | 2,017 |
| Average equity | $11,678,000 | 3,625 |
| Average total loans | $107,508,000 | 3,136 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 3,405 |
| Cost of funding earning assets | 2.5330% | 1,024 |
| Net interest margin | 2.1993% | 4,168 |
| Noninterest income to average assets | 0.6100% | 1,411 |
| Noninterest expense to average assets | 1.5421% | 4,234 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 0.7690% | 2,726 |
| Return on assets (ROA) | 0.7735% | 2,731 |
| Pretax return on assets | 0.9129% | 2,732 |
| Return on Equity (ROE) | 28.0400% | 157 |
| Retained earnings to average equity (ytd only) | 28.0395% | 42 |
| Net charge-offs to loans | 0.0038% | 2,338 |
| Credit loss provision to net charge-offs | 1,750.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 1,062.0000% | 100 |
| Efficiency ratio | 56.1140% | 3,566 |
| Assets per employee ($millions) | 11.9446% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 4,076 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,552 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 25.6200% | 4,325 |
| Net loans and leases to deposits | 26.7120% | 4,360 |
| Net loans and leases to core deposits | 46.9105% | 4,111 |
| Total domestic deposits to total assets | 95.9100% | 24 |
| Equity capital to assets | 3.1060% | 4,497 |
| Core capital (leverage) ratio | 7.4018% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2476% | 1,794 |
| Memoranda: | ||
| Average total assets | $416,043,667 | 1,990 |
| Average earning assets | $370,397,667 | 2,036 |
| Average equity | $11,476,667 | 3,633 |
| Average total loans | $106,278,667 | 3,149 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 3,393 |
| Cost of funding earning assets | 2.4963% | 995 |
| Net interest margin | 2.1729% | 4,204 |
| Noninterest income to average assets | 0.5700% | 1,470 |
| Noninterest expense to average assets | 1.5112% | 4,275 |
| Loan and lease loss provision to assets | 0.2300% | 428 |
| Net operating income to assets | 0.6595% | 2,978 |
| Return on assets (ROA) | 0.6689% | 2,963 |
| Pretax return on assets | 0.7623% | 3,013 |
| Return on Equity (ROE) | 25.8900% | 217 |
| Retained earnings to average equity (ytd only) | 25.8895% | 91 |
| Net charge-offs to loans | 0.0038% | 2,007 |
| Credit loss provision to net charge-offs | 4,400.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 1,022.0000% | 89 |
| Efficiency ratio | 56.3707% | 3,566 |
| Assets per employee ($millions) | 12.7574% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7323% | 4,059 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 1,608 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 25.3400% | 4,349 |
| Net loans and leases to deposits | 26.3336% | 4,375 |
| Net loans and leases to core deposits | 45.3342% | 4,168 |
| Total domestic deposits to total assets | 96.2300% | 47 |
| Equity capital to assets | 2.8506% | 4,527 |
| Core capital (leverage) ratio | 7.2593% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3043% | 1,776 |
| Memoranda: | ||
| Average total assets | $415,035,000 | 2,000 |
| Average earning assets | $368,545,500 | 2,048 |
| Average equity | $10,722,500 | 3,711 |
| Average total loans | $105,475,500 | 3,161 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 4,168 |
| Cost of funding earning assets | 1.8295% | 1,202 |
| Net interest margin | 1.9836% | 4,415 |
| Noninterest income to average assets | 1.4200% | 415 |
| Noninterest expense to average assets | 2.1590% | 3,225 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7296% | 3,106 |
| Return on assets (ROA) | 0.6792% | 3,222 |
| Pretax return on assets | 0.8447% | 3,106 |
| Return on Equity (ROE) | 26.3800% | 269 |
| Retained earnings to average equity (ytd only) | 10.4105% | 922 |
| Net charge-offs to loans | -0.0992% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.3816% | 2,430 |
| Assets per employee ($millions) | 11.6879% | 445 |
| Cash dividends to net income (ytd only)* | 60.5327% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 4,056 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 1,151 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 25.1100% | 4,364 |
| Net loans and leases to deposits | 26.0977% | 4,394 |
| Net loans and leases to core deposits | 46.3911% | 4,149 |
| Total domestic deposits to total assets | 96.2100% | 36 |
| Equity capital to assets | 2.3086% | 4,562 |
| Core capital (leverage) ratio | 7.2528% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4160% | 1,715 |
| Memoranda: | ||
| Average total assets | $364,851,000 | 2,133 |
| Average earning assets | $312,110,200 | 2,237 |
| Average equity | $9,394,400 | 3,782 |
| Average total loans | $86,727,600 | 3,336 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6127% | 4,295 |
| Cost of funding earning assets | 1.5352% | 1,520 |
| Net interest margin | 2.0775% | 4,417 |
| Noninterest income to average assets | 1.8500% | 310 |
| Noninterest expense to average assets | 2.5253% | 2,148 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9158% | 2,629 |
| Return on assets (ROA) | 0.8430% | 2,869 |
| Pretax return on assets | 0.9979% | 2,868 |
| Return on Equity (ROE) | 31.7900% | 195 |
| Retained earnings to average equity (ytd only) | 10.4737% | 1,269 |
| Net charge-offs to loans | -0.1405% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.4756% | 2,222 |
| Assets per employee ($millions) | 9.8998% | 691 |
| Cash dividends to net income (ytd only)* | 67.0541% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 4,076 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 1,838 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 26.3700% | 4,371 |
| Net loans and leases to deposits | 29.1131% | 4,391 |
| Net loans and leases to core deposits | 42.0022% | 4,214 |
| Total domestic deposits to total assets | 90.5700% | 783 |
| Equity capital to assets | 2.7527% | 4,507 |
| Core capital (leverage) ratio | 8.1256% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1709% | 1,832 |
| Memoranda: | ||
| Average total assets | $353,794,500 | 2,187 |
| Average earning assets | $300,417,750 | 2,306 |
| Average equity | $9,382,000 | 3,784 |
| Average total loans | $82,538,750 | 3,386 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5784% | 4,274 |
| Cost of funding earning assets | 1.3099% | 1,680 |
| Net interest margin | 2.2684% | 4,381 |
| Noninterest income to average assets | 2.2900% | 217 |
| Noninterest expense to average assets | 3.4946% | 539 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.6366% | 3,491 |
| Return on assets (ROA) | 0.5143% | 3,787 |
| Pretax return on assets | 0.5543% | 3,878 |
| Return on Equity (ROE) | 19.6500% | 745 |
| Retained earnings to average equity (ytd only) | -13.1390% | 4,546 |
| Net charge-offs to loans | 0.0129% | 1,711 |
| Credit loss provision to net charge-offs | 1,320.0000% | 337 |
| Earnings coverage of net charge-offs (x) | 253.0000% | 506 |
| Efficiency ratio | 79.9159% | 847 |
| Assets per employee ($millions) | 9.0735% | 889 |
| Cash dividends to net income (ytd only)* | 166.8521% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 3,988 |
| Loan loss allowance to noncurrent loans | 299.5633% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 1,384 |
| Noncurrent loans to loans | 0.2717% | 2,183 |
| Net loans and leases to total assets | 23.6300% | 4,426 |
| Net loans and leases to deposits | 25.8103% | 4,438 |
| Net loans and leases to core deposits | 39.4131% | 4,271 |
| Total domestic deposits to total assets | 91.5300% | 504 |
| Equity capital to assets | 2.5236% | 4,586 |
| Core capital (leverage) ratio | 7.8572% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5285% | 1,716 |
| Memoranda: | ||
| Average total assets | $349,628,000 | 2,207 |
| Average earning assets | $297,119,333 | 2,331 |
| Average equity | $9,148,333 | 3,830 |
| Average total loans | $77,615,000 | 3,449 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 3,883 |
| Cost of funding earning assets | 1.0953% | 1,762 |
| Net interest margin | 2.6902% | 4,083 |
| Noninterest income to average assets | 4.4700% | 138 |
| Noninterest expense to average assets | 4.7723% | 247 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 1.6241% | 940 |
| Return on assets (ROA) | 1.4123% | 1,345 |
| Pretax return on assets | 1.7554% | 1,161 |
| Return on Equity (ROE) | 53.0200% | 67 |
| Retained earnings to average equity (ytd only) | 53.0165% | 35 |
| Net charge-offs to loans | 0.0108% | 1,536 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | 861.5000% | 124 |
| Efficiency ratio | 68.8022% | 1,887 |
| Assets per employee ($millions) | 7.8917% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 4,249 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 1,562 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 21.8100% | 4,499 |
| Net loans and leases to deposits | 23.1727% | 4,517 |
| Net loans and leases to core deposits | 34.1020% | 4,395 |
| Total domestic deposits to total assets | 94.1400% | 157 |
| Equity capital to assets | 2.8001% | 4,607 |
| Core capital (leverage) ratio | 8.5096% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2672% | 1,554 |
| Memoranda: | ||
| Average total assets | $347,509,000 | 2,245 |
| Average earning assets | $294,701,500 | 2,375 |
| Average equity | $9,257,500 | 3,863 |
| Average total loans | $74,248,500 | 3,538 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 3,856 |
| Cost of funding earning assets | 0.3653% | 2,365 |
| Net interest margin | 2.8122% | 3,870 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 0.8857% | 4,656 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.4785% | 936 |
| Return on assets (ROA) | 1.1037% | 2,093 |
| Pretax return on assets | 1.3000% | 2,088 |
| Return on Equity (ROE) | 26.1700% | 176 |
| Retained earnings to average equity (ytd only) | -5.5210% | 4,582 |
| Net charge-offs to loans | 0.0116% | 1,951 |
| Credit loss provision to net charge-offs | -225.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | 730.5000% | 247 |
| Efficiency ratio | 28.8919% | 4,662 |
| Assets per employee ($millions) | 8.2805% | 1,192 |
| Cash dividends to net income (ytd only)* | 121.0980% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6258% | 4,310 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 1,584 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 20.6400% | 4,547 |
| Net loans and leases to deposits | 22.6241% | 4,551 |
| Net loans and leases to core deposits | 31.7300% | 4,454 |
| Total domestic deposits to total assets | 91.2100% | 868 |
| Equity capital to assets | 2.5280% | 4,627 |
| Core capital (leverage) ratio | 8.0992% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2907% | 1,852 |
| Memoranda: | ||
| Average total assets | $336,700,800 | 2,274 |
| Average earning assets | $290,480,400 | 2,382 |
| Average equity | $14,200,200 | 3,444 |
| Average total loans | $69,149,600 | 3,591 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0858% | 3,704 |
| Cost of funding earning assets | 0.2420% | 2,791 |
| Net interest margin | 2.8438% | 3,642 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 0.5742% | 4,724 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.6735% | 568 |
| Return on assets (ROA) | 1.5831% | 662 |
| Pretax return on assets | 1.9692% | 493 |
| Return on Equity (ROE) | 33.9900% | 69 |
| Retained earnings to average equity (ytd only) | 25.4191% | 45 |
| Net charge-offs to loans | 0.0097% | 1,763 |
| Credit loss provision to net charge-offs | 1,060.0000% | 395 |
| Earnings coverage of net charge-offs (x) | 1,053.6000% | 144 |
| Efficiency ratio | 16.6120% | 4,736 |
| Assets per employee ($millions) | 7.5785% | 1,566 |
| Cash dividends to net income (ytd only)* | 25.2207% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 4,171 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 1,652 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 20.2300% | 4,591 |
| Net loans and leases to deposits | 21.6712% | 4,602 |
| Net loans and leases to core deposits | 30.5182% | 4,503 |
| Total domestic deposits to total assets | 93.3700% | 480 |
| Equity capital to assets | 3.1493% | 4,580 |
| Core capital (leverage) ratio | 9.0135% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2403% | 1,636 |
| Memoranda: | ||
| Average total assets | $333,930,500 | 2,301 |
| Average earning assets | $289,747,750 | 2,405 |
| Average equity | $15,552,250 | 3,361 |
| Average total loans | $68,381,500 | 3,615 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0252% | 3,492 |
| Cost of funding earning assets | 0.1954% | 2,976 |
| Net interest margin | 2.8298% | 3,353 |
| Noninterest income to average assets | 0.1411% | 4,309 |
| Noninterest expense to average assets | 0.8680% | 4,715 |
| Loan and lease loss provision to assets | 0.0211% | 2,224 |
| Net operating income to assets | 1.4122% | 876 |
| Return on assets (ROA) | 1.3844% | 920 |
| Pretax return on assets | 1.6986% | 757 |
| Return on Equity (ROE) | 26.7540% | 88 |
| Retained earnings to average equity (ytd only) | 15.0965% | 254 |
| Net charge-offs to loans | 0.0118% | 1,555 |
| Credit loss provision to net charge-offs | 875.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 727.0000% | 194 |
| Efficiency ratio | 28.1343% | 4,725 |
| Assets per employee ($millions) | 7.4678% | 1,634 |
| Cash dividends to net income (ytd only)* | 43.5730% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7722% | 4,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 1,710 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 20.3684% | 4,649 |
| Net loans and leases to deposits | 21.1914% | 4,666 |
| Net loans and leases to core deposits | 27.5174% | 4,608 |
| Total domestic deposits to total assets | 96.1163% | 78 |
| Equity capital to assets | 1.7869% | 4,732 |
| Core capital (leverage) ratio | 8.6686% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9352% | 1,720 |
| Memoranda: | ||
| Average total assets | $331,563,000 | 2,317 |
| Average earning assets | $290,691,000 | 2,428 |
| Average equity | $17,156,333 | 3,307 |
| Average total loans | $67,998,667 | 3,656 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8868% | 3,563 |
| Cost of funding earning assets | 0.1748% | 3,162 |
| Net interest margin | 2.7121% | 3,372 |
| Noninterest income to average assets | 0.1817% | 4,073 |
| Noninterest expense to average assets | 0.9608% | 4,730 |
| Loan and lease loss provision to assets | 0.0202% | 1,990 |
| Net operating income to assets | 1.3263% | 947 |
| Return on assets (ROA) | 1.2708% | 1,064 |
| Pretax return on assets | 1.5476% | 926 |
| Return on Equity (ROE) | 18.7182% | 295 |
| Retained earnings to average equity (ytd only) | 1.2246% | 3,767 |
| Net charge-offs to loans | 0.0579% | 731 |
| Credit loss provision to net charge-offs | 170.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 137.7000% | 564 |
| Efficiency ratio | 32.0677% | 4,728 |
| Assets per employee ($millions) | 8.0620% | 1,324 |
| Cash dividends to net income (ytd only)* | 93.4579% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7602% | 4,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 493 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 19.1542% | 4,678 |
| Net loans and leases to deposits | 20.3422% | 4,697 |
| Net loans and leases to core deposits | 27.1075% | 4,633 |
| Total domestic deposits to total assets | 94.1599% | 99 |
| Equity capital to assets | 4.8021% | 4,739 |
| Core capital (leverage) ratio | 8.3803% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2919% | 1,694 |
| Memoranda: | ||
| Average total assets | $336,787,000 | 2,317 |
| Average earning assets | $299,844,000 | 2,388 |
| Average equity | $22,865,500 | 2,917 |
| Average total loans | $69,040,500 | 3,637 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9089% | 4,036 |
| Cost of funding earning assets | 0.1955% | 3,520 |
| Net interest margin | 2.7134% | 3,847 |
| Noninterest income to average assets | 0.2443% | 3,913 |
| Noninterest expense to average assets | 1.7329% | 4,251 |
| Loan and lease loss provision to assets | 0.0061% | 2,954 |
| Net operating income to assets | 0.9007% | 3,043 |
| Return on assets (ROA) | 1.4464% | 1,219 |
| Pretax return on assets | 1.5304% | 1,621 |
| Return on Equity (ROE) | 14.8990% | 975 |
| Retained earnings to average equity (ytd only) | -20.8730% | 4,812 |
| Net charge-offs to loans | -0.0015% | 3,330 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6649% | 3,202 |
| Assets per employee ($millions) | 8.1674% | 1,236 |
| Cash dividends to net income (ytd only)* | 240.0960% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 4,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 895 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 21.5155% | 4,704 |
| Net loans and leases to deposits | 24.3243% | 4,707 |
| Net loans and leases to core deposits | 33.5092% | 4,571 |
| Total domestic deposits to total assets | 88.4529% | 1,812 |
| Equity capital to assets | 8.7042% | 3,881 |
| Core capital (leverage) ratio | 8.4869% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7634% | 1,594 |
| Memoranda: | ||
| Average total assets | $345,538,800 | 2,221 |
| Average earning assets | $312,079,000 | 2,273 |
| Average equity | $33,545,800 | 2,355 |
| Average total loans | $64,671,000 | 3,752 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8981% | 4,175 |
| Cost of funding earning assets | 0.2041% | 3,567 |
| Net interest margin | 2.6940% | 3,993 |
| Noninterest income to average assets | 0.1344% | 4,526 |
| Noninterest expense to average assets | 1.6235% | 4,439 |
| Loan and lease loss provision to assets | 0.0023% | 2,925 |
| Net operating income to assets | 0.7600% | 3,626 |
| Return on assets (ROA) | 1.4598% | 1,422 |
| Pretax return on assets | 1.8083% | 1,146 |
| Return on Equity (ROE) | 14.6607% | 1,208 |
| Retained earnings to average equity (ytd only) | -31.7584% | 4,895 |
| Net charge-offs to loans | -0.0043% | 3,388 |
| Credit loss provision to net charge-offs | -300.0000% | 3,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3096% | 3,219 |
| Assets per employee ($millions) | 7.8200% | 1,362 |
| Cash dividends to net income (ytd only)* | 316.6227% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6203% | 4,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 1,027 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 22.1059% | 4,770 |
| Net loans and leases to deposits | 25.1899% | 4,778 |
| Net loans and leases to core deposits | 34.3335% | 4,646 |
| Total domestic deposits to total assets | 87.7571% | 1,967 |
| Equity capital to assets | 8.1886% | 4,414 |
| Core capital (leverage) ratio | 8.3480% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2317% | 1,559 |
| Memoranda: | ||
| Average total assets | $346,165,750 | 2,238 |
| Average earning assets | $312,983,500 | 2,285 |
| Average equity | $34,467,750 | 2,344 |
| Average total loans | $62,268,000 | 3,831 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8336% | 4,303 |
| Cost of funding earning assets | 0.2197% | 3,563 |
| Net interest margin | 2.6139% | 4,139 |
| Noninterest income to average assets | 0.0961% | 4,706 |
| Noninterest expense to average assets | 1.5326% | 4,596 |
| Loan and lease loss provision to assets | -0.0435% | 4,503 |
| Net operating income to assets | 0.7726% | 3,589 |
| Return on assets (ROA) | 1.6333% | 1,030 |
| Pretax return on assets | 2.0460% | 761 |
| Return on Equity (ROE) | 15.5199% | 1,049 |
| Retained earnings to average equity (ytd only) | -17.1077% | 4,908 |
| Net charge-offs to loans | -0.0138% | 3,816 |
| Credit loss provision to net charge-offs | 1,900.0000% | 304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2958% | 3,364 |
| Assets per employee ($millions) | 7.8336% | 1,285 |
| Cash dividends to net income (ytd only)* | 210.2313% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6331% | 4,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 1,149 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 17.4846% | 4,854 |
| Net loans and leases to deposits | 19.8008% | 4,860 |
| Net loans and leases to core deposits | 27.8463% | 4,805 |
| Total domestic deposits to total assets | 88.3025% | 1,668 |
| Equity capital to assets | 9.9373% | 2,904 |
| Core capital (leverage) ratio | 9.7244% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7848% | 844 |
| Memoranda: | ||
| Average total assets | $349,468,000 | 2,205 |
| Average earning assets | $315,927,667 | 2,257 |
| Average equity | $36,778,667 | 2,232 |
| Average total loans | $58,091,667 | 3,928 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8248% | 4,351 |
| Cost of funding earning assets | 0.2631% | 3,346 |
| Net interest margin | 2.5617% | 4,219 |
| Noninterest income to average assets | 0.0955% | 4,705 |
| Noninterest expense to average assets | -0.3911% | 4,976 |
| Loan and lease loss provision to assets | 0.0091% | 2,655 |
| Net operating income to assets | 2.1082% | 485 |
| Return on assets (ROA) | 3.6628% | 102 |
| Pretax return on assets | 4.7587% | 79 |
| Return on Equity (ROE) | 33.8783% | 92 |
| Retained earnings to average equity (ytd only) | 33.8783% | 58 |
| Net charge-offs to loans | -0.0282% | 4,142 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -21.3308% | 4,974 |
| Assets per employee ($millions) | 8.1414% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 4,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 1,288 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 16.4431% | 4,886 |
| Net loans and leases to deposits | 18.8645% | 4,888 |
| Net loans and leases to core deposits | 26.2992% | 4,846 |
| Total domestic deposits to total assets | 87.1640% | 2,245 |
| Equity capital to assets | 10.6558% | 2,124 |
| Core capital (leverage) ratio | 11.4410% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9850% | 453 |
| Memoranda: | ||
| Average total assets | $351,862,000 | 2,179 |
| Average earning assets | $317,760,000 | 2,233 |
| Average equity | $38,042,000 | 2,162 |
| Average total loans | $56,812,500 | 3,974 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3367% | 4,279 |
| Cost of funding earning assets | 0.6113% | 2,232 |
| Net interest margin | 2.7254% | 4,350 |
| Noninterest income to average assets | 0.0945% | 4,757 |
| Noninterest expense to average assets | 1.7188% | 4,598 |
| Loan and lease loss provision to assets | 0.2055% | 1,914 |
| Net operating income to assets | 0.5380% | 3,944 |
| Return on assets (ROA) | 2.0365% | 263 |
| Pretax return on assets | 2.4402% | 206 |
| Return on Equity (ROE) | 20.2656% | 218 |
| Retained earnings to average equity (ytd only) | 11.7898% | 343 |
| Net charge-offs to loans | 1.4944% | 70 |
| Credit loss provision to net charge-offs | 86.7066% | 2,953 |
| Earnings coverage of net charge-offs (x) | 3.5449% | 3,078 |
| Efficiency ratio | 62.3696% | 3,060 |
| Assets per employee ($millions) | 8.6140% | 863 |
| Cash dividends to net income (ytd only)* | 41.8235% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 4,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 1,652 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 15.6103% | 4,911 |
| Net loans and leases to deposits | 18.0096% | 4,917 |
| Net loans and leases to core deposits | 26.2583% | 4,878 |
| Total domestic deposits to total assets | 86.6778% | 2,085 |
| Equity capital to assets | 10.9589% | 2,288 |
| Core capital (leverage) ratio | 10.1597% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7196% | 693 |
| Memoranda: | ||
| Average total assets | $352,230,400 | 2,036 |
| Average earning assets | $318,521,600 | 2,085 |
| Average equity | $35,395,000 | 2,218 |
| Average total loans | $55,875,400 | 3,984 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 4,406 |
| Cost of funding earning assets | 0.6962% | 2,043 |
| Net interest margin | 2.6604% | 4,511 |
| Noninterest income to average assets | 0.0968% | 4,769 |
| Noninterest expense to average assets | 1.6316% | 4,704 |
| Loan and lease loss provision to assets | 0.2733% | 1,473 |
| Net operating income to assets | 0.4593% | 4,149 |
| Return on assets (ROA) | 1.9464% | 362 |
| Pretax return on assets | 2.4773% | 218 |
| Return on Equity (ROE) | 19.8334% | 243 |
| Retained earnings to average equity (ytd only) | 8.1827% | 1,246 |
| Net charge-offs to loans | 1.9756% | 51 |
| Credit loss provision to net charge-offs | 87.0146% | 2,719 |
| Earnings coverage of net charge-offs (x) | 2.7646% | 2,960 |
| Efficiency ratio | 60.3293% | 3,346 |
| Assets per employee ($millions) | 8.6871% | 779 |
| Cash dividends to net income (ytd only)* | 58.7429% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 4,479 |
| Loan loss allowance to noncurrent loans | 2,421.0526% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 1,928 |
| Noncurrent loans to loans | 0.0310% | 4,274 |
| Net loans and leases to total assets | 17.0558% | 4,946 |
| Net loans and leases to deposits | 19.8688% | 4,951 |
| Net loans and leases to core deposits | 28.3657% | 4,908 |
| Total domestic deposits to total assets | 85.8420% | 2,132 |
| Equity capital to assets | 10.2024% | 3,064 |
| Core capital (leverage) ratio | 9.6117% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4270% | 851 |
| Memoranda: | ||
| Average total assets | $349,841,250 | 2,031 |
| Average earning assets | $315,982,000 | 2,074 |
| Average equity | $34,331,750 | 2,253 |
| Average total loans | $55,611,250 | 4,008 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 4,643 |
| Cost of funding earning assets | 0.8265% | 1,693 |
| Net interest margin | 2.4784% | 4,747 |
| Noninterest income to average assets | 0.0955% | 4,797 |
| Noninterest expense to average assets | 1.6668% | 4,715 |
| Loan and lease loss provision to assets | 0.4573% | 838 |
| Net operating income to assets | 0.1548% | 4,628 |
| Return on assets (ROA) | 1.5161% | 975 |
| Pretax return on assets | 1.9279% | 642 |
| Return on Equity (ROE) | 15.6611% | 619 |
| Retained earnings to average equity (ytd only) | 15.6611% | 189 |
| Net charge-offs to loans | 3.0551% | 36 |
| Credit loss provision to net charge-offs | 96.8331% | 2,429 |
| Earnings coverage of net charge-offs (x) | 1.4019% | 2,861 |
| Efficiency ratio | 66.2386% | 2,482 |
| Assets per employee ($millions) | 9.1385% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 3,920 |
| Loan loss allowance to noncurrent loans | 784.0580% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 1,470 |
| Noncurrent loans to loans | 0.1172% | 3,982 |
| Net loans and leases to total assets | 16.3616% | 4,979 |
| Net loans and leases to deposits | 18.9692% | 4,985 |
| Net loans and leases to core deposits | 26.2697% | 4,953 |
| Total domestic deposits to total assets | 86.2537% | 1,911 |
| Equity capital to assets | 10.3170% | 2,915 |
| Core capital (leverage) ratio | 9.6523% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9967% | 776 |
| Memoranda: | ||
| Average total assets | $347,731,000 | 2,013 |
| Average earning assets | $313,353,333 | 2,056 |
| Average equity | $33,663,000 | 2,283 |
| Average total loans | $53,745,667 | 4,065 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2331% | 4,853 |
| Cost of funding earning assets | 1.0241% | 1,321 |
| Net interest margin | 2.2090% | 4,956 |
| Noninterest income to average assets | 0.0990% | 4,828 |
| Noninterest expense to average assets | 1.7694% | 4,700 |
| Loan and lease loss provision to assets | 0.3844% | 797 |
| Net operating income to assets | -0.0534% | 4,776 |
| Return on assets (ROA) | 0.8282% | 2,891 |
| Pretax return on assets | 1.0460% | 2,678 |
| Return on Equity (ROE) | 8.8572% | 2,169 |
| Retained earnings to average equity (ytd only) | 8.8572% | 1,011 |
| Net charge-offs to loans | 4.0554% | 33 |
| Credit loss provision to net charge-offs | 63.5838% | 2,004 |
| Earnings coverage of net charge-offs (x) | 0.5202% | 2,461 |
| Efficiency ratio | 78.8709% | 1,251 |
| Assets per employee ($millions) | 9.1253% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 4,528 |
| Loan loss allowance to noncurrent loans | 103.8462% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0647% | 1,224 |
| Noncurrent loans to loans | 0.7196% | 2,198 |
| Net loans and leases to total assets | 14.1064% | 5,040 |
| Net loans and leases to deposits | 16.5066% | 5,044 |
| Net loans and leases to core deposits | 24.3447% | 5,012 |
| Total domestic deposits to total assets | 85.4592% | 2,225 |
| Equity capital to assets | 9.3836% | 4,329 |
| Core capital (leverage) ratio | 9.5335% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6466% | 1,038 |
| Memoranda: | ||
| Average total assets | $343,396,000 | 1,988 |
| Average earning assets | $308,562,000 | 2,030 |
| Average equity | $32,109,500 | 2,349 |
| Average total loans | $51,191,500 | 4,135 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6285% | 4,745 |
| Cost of funding earning assets | 1.1852% | 1,060 |
| Net interest margin | 2.4434% | 4,992 |
| Noninterest income to average assets | 0.1294% | 4,821 |
| Noninterest expense to average assets | 1.7830% | 4,790 |
| Loan and lease loss provision to assets | 0.0436% | 3,140 |
| Net operating income to assets | 0.4180% | 4,566 |
| Return on assets (ROA) | 1.7103% | 688 |
| Pretax return on assets | 1.9959% | 606 |
| Return on Equity (ROE) | 18.0543% | 337 |
| Retained earnings to average equity (ytd only) | -4.9741% | 4,981 |
| Net charge-offs to loans | 0.1703% | 1,184 |
| Credit loss provision to net charge-offs | 157.8947% | 1,628 |
| Earnings coverage of net charge-offs (x) | 19.4316% | 1,999 |
| Efficiency ratio | 71.4393% | 1,952 |
| Assets per employee ($millions) | 8.4847% | 596 |
| Cash dividends to net income (ytd only)* | 127.5510% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 2,982 |
| Loan loss allowance to noncurrent loans | 63.2813% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 1,324 |
| Noncurrent loans to loans | 1.7297% | 791 |
| Net loans and leases to total assets | 15.4833% | 5,095 |
| Net loans and leases to deposits | 17.6599% | 5,100 |
| Net loans and leases to core deposits | 23.7879% | 5,081 |
| Total domestic deposits to total assets | 87.6750% | 1,286 |
| Equity capital to assets | 9.3151% | 4,482 |
| Core capital (leverage) ratio | 9.5520% | 4,009 |
| Tier 1 risk-based capital ratio | 19.0463% | 1,504 |
| Total risk-based capital ratio | 19.3939% | 1,683 |
| Memoranda: | ||
| Average total assets | $343,808,000 | 1,933 |
| Average earning assets | $308,223,200 | 1,976 |
| Average equity | $32,568,400 | 2,269 |
| Average total loans | $55,770,000 | 4,057 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,795 |
| Cost of funding earning assets | 1.2165% | 994 |
| Net interest margin | 2.4712% | 5,078 |
| Noninterest income to average assets | 0.1245% | 4,905 |
| Noninterest expense to average assets | 2.0401% | 4,476 |
| Loan and lease loss provision to assets | 0.0077% | 3,734 |
| Net operating income to assets | 0.2713% | 4,875 |
| Return on assets (ROA) | 1.8572% | 581 |
| Pretax return on assets | 2.0374% | 636 |
| Return on Equity (ROE) | 19.5282% | 277 |
| Retained earnings to average equity (ytd only) | -0.6706% | 4,826 |
| Net charge-offs to loans | 0.0188% | 2,747 |
| Credit loss provision to net charge-offs | 250.0000% | 1,092 |
| Earnings coverage of net charge-offs (x) | 98.3421% | 759 |
| Efficiency ratio | 81.7779% | 771 |
| Assets per employee ($millions) | 9.5317% | 403 |
| Cash dividends to net income (ytd only)* | 103.4340% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,768 |
| Loan loss allowance to noncurrent loans | 60.7889% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.9646% | 1,396 |
| Noncurrent loans to loans | 1.5835% | 930 |
| Net loans and leases to total assets | 16.1601% | 5,176 |
| Net loans and leases to deposits | 18.5707% | 5,177 |
| Net loans and leases to core deposits | 25.3239% | 5,156 |
| Total domestic deposits to total assets | 87.0196% | 1,502 |
| Equity capital to assets | 10.8974% | 3,198 |
| Core capital (leverage) ratio | 9.6509% | 4,024 |
| Tier 1 risk-based capital ratio | 19.4023% | 1,482 |
| Total risk-based capital ratio | 19.7197% | 1,660 |
| Memoranda: | ||
| Average total assets | $347,034,000 | 1,931 |
| Average earning assets | $311,476,000 | 1,963 |
| Average equity | $33,004,500 | 2,255 |
| Average total loans | $56,762,000 | 4,083 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 4,815 |
| Cost of funding earning assets | 1.2321% | 911 |
| Net interest margin | 2.4832% | 5,136 |
| Noninterest income to average assets | 0.1326% | 4,911 |
| Noninterest expense to average assets | 1.7928% | 4,886 |
| Loan and lease loss provision to assets | 0.0057% | 3,615 |
| Net operating income to assets | 0.5895% | 4,337 |
| Return on assets (ROA) | 1.4640% | 1,302 |
| Pretax return on assets | 1.4378% | 2,075 |
| Return on Equity (ROE) | 16.1379% | 570 |
| Retained earnings to average equity (ytd only) | -2.6782% | 4,957 |
| Net charge-offs to loans | 0.0174% | 2,530 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 389 |
| Efficiency ratio | 70.7059% | 2,120 |
| Assets per employee ($millions) | 9.6568% | 373 |
| Cash dividends to net income (ytd only)* | 116.5954% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 4,057 |
| Loan loss allowance to noncurrent loans | 58.8168% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9395% | 1,478 |
| Noncurrent loans to loans | 1.5430% | 995 |
| Net loans and leases to total assets | 16.2378% | 5,224 |
| Net loans and leases to deposits | 18.4392% | 5,226 |
| Net loans and leases to core deposits | 26.2602% | 5,200 |
| Total domestic deposits to total assets | 88.0614% | 1,081 |
| Equity capital to assets | 10.5245% | 3,494 |
| Core capital (leverage) ratio | 9.0713% | 4,572 |
| Tier 1 risk-based capital ratio | 18.6933% | 1,624 |
| Total risk-based capital ratio | 18.9986% | 1,820 |
| Memoranda: | ||
| Average total assets | $351,508,330 | 1,930 |
| Average earning assets | $315,554,670 | 1,963 |
| Average equity | $31,887,670 | 2,307 |
| Average total loans | $57,537,330 | 4,096 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 4,687 |
| Cost of funding earning assets | 1.2127% | 870 |
| Net interest margin | 2.6037% | 5,135 |
| Noninterest income to average assets | 0.1381% | 4,906 |
| Noninterest expense to average assets | 1.9477% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8658% | 3,375 |
| Return on assets (ROA) | 0.6677% | 4,068 |
| Pretax return on assets | 0.3225% | 4,936 |
| Return on Equity (ROE) | 7.9898% | 3,268 |
| Retained earnings to average equity (ytd only) | -32.6365% | 5,314 |
| Net charge-offs to loans | 0.0208% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 153.3333% | 497 |
| Efficiency ratio | 73.9569% | 1,759 |
| Assets per employee ($millions) | 9.7991% | 362 |
| Cash dividends to net income (ytd only)* | 508.4746% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 4,128 |
| Loan loss allowance to noncurrent loans | 56.7447% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 3,599 |
| Noncurrent loans to loans | 1.5968% | 991 |
| Net loans and leases to total assets | 15.7800% | 5,285 |
| Net loans and leases to deposits | 17.6381% | 5,290 |
| Net loans and leases to core deposits | 24.3380% | 5,263 |
| Total domestic deposits to total assets | 89.4656% | 657 |
| Equity capital to assets | 9.0204% | 4,667 |
| Core capital (leverage) ratio | 8.2805% | 5,112 |
| Tier 1 risk-based capital ratio | 16.8680% | 2,147 |
| Total risk-based capital ratio | 17.1584% | 2,412 |
| Memoranda: | ||
| Average total assets | $353,439,500 | 1,937 |
| Average earning assets | $316,316,500 | 1,973 |
| Average equity | $29,537,500 | 2,432 |
| Average total loans | $57,822,500 | 4,133 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 4,534 |
| Cost of funding earning assets | 0.9177% | 1,036 |
| Net interest margin | 2.8635% | 4,959 |
| Noninterest income to average assets | 0.1036% | 5,139 |
| Noninterest expense to average assets | 1.7974% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0025% | 3,000 |
| Return on assets (ROA) | 0.8801% | 3,486 |
| Pretax return on assets | 0.7416% | 4,308 |
| Return on Equity (ROE) | 11.0510% | 2,063 |
| Retained earnings to average equity (ytd only) | -3.4089% | 5,195 |
| Net charge-offs to loans | 0.0101% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 500.1667% | 211 |
| Efficiency ratio | 62.8624% | 3,370 |
| Assets per employee ($millions) | 9.5705% | 389 |
| Cash dividends to net income (ytd only)* | 130.8472% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 4,325 |
| Loan loss allowance to noncurrent loans | 19.4234% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 1,867 |
| Noncurrent loans to loans | 4.4326% | 146 |
| Net loans and leases to total assets | 16.6493% | 5,327 |
| Net loans and leases to deposits | 20.3127% | 5,325 |
| Net loans and leases to core deposits | 27.2247% | 5,292 |
| Total domestic deposits to total assets | 81.9652% | 3,652 |
| Equity capital to assets | 7.6965% | 5,244 |
| Core capital (leverage) ratio | 9.0191% | 4,638 |
| Tier 1 risk-based capital ratio | 17.7777% | 1,818 |
| Total risk-based capital ratio | 18.0633% | 2,071 |
| Memoranda: | ||
| Average total assets | $347,338,200 | 1,925 |
| Average earning assets | $310,245,200 | 1,970 |
| Average equity | $27,662,600 | 2,473 |
| Average total loans | $59,527,800 | 4,104 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,533 |
| Cost of funding earning assets | 0.8530% | 1,108 |
| Net interest margin | 2.9061% | 4,965 |
| Noninterest income to average assets | 0.1192% | 5,136 |
| Noninterest expense to average assets | 1.6082% | 5,201 |
| Loan and lease loss provision to assets | 0.0540% | 2,889 |
| Net operating income to assets | 1.2101% | 2,203 |
| Return on assets (ROA) | 1.0735% | 2,779 |
| Pretax return on assets | 0.9173% | 3,954 |
| Return on Equity (ROE) | 13.3643% | 1,311 |
| Retained earnings to average equity (ytd only) | -5.8442% | 5,330 |
| Net charge-offs to loans | 0.1321% | 1,220 |
| Credit loss provision to net charge-offs | 237.2881% | 1,225 |
| Earnings coverage of net charge-offs (x) | 48.6809% | 1,187 |
| Efficiency ratio | 54.6087% | 4,548 |
| Assets per employee ($millions) | 9.6838% | 359 |
| Cash dividends to net income (ytd only)* | 143.7299% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,818 |
| Loan loss allowance to noncurrent loans | 9.8552% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 692 |
| Noncurrent loans to loans | 10.0672% | 30 |
| Net loans and leases to total assets | 17.1464% | 5,397 |
| Net loans and leases to deposits | 20.8915% | 5,394 |
| Net loans and leases to core deposits | 27.7211% | 5,367 |
| Total domestic deposits to total assets | 82.0734% | 3,588 |
| Equity capital to assets | 6.8875% | 5,398 |
| Core capital (leverage) ratio | 9.0633% | 4,647 |
| Tier 1 risk-based capital ratio | 17.5481% | 1,908 |
| Total risk-based capital ratio | 17.8743% | 2,180 |
| Memoranda: | ||
| Average total assets | $345,645,250 | 1,943 |
| Average earning assets | $308,864,250 | 1,988 |
| Average equity | $27,764,750 | 2,477 |
| Average total loans | $59,542,500 | 4,145 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 4,487 |
| Cost of funding earning assets | 0.7719% | 1,274 |
| Net interest margin | 2.9700% | 4,916 |
| Noninterest income to average assets | 0.1184% | 5,198 |
| Noninterest expense to average assets | 1.5471% | 5,307 |
| Loan and lease loss provision to assets | 0.0464% | 2,971 |
| Net operating income to assets | 1.3126% | 1,722 |
| Return on assets (ROA) | 1.0689% | 2,719 |
| Pretax return on assets | 0.9447% | 3,825 |
| Return on Equity (ROE) | 12.6964% | 1,475 |
| Retained earnings to average equity (ytd only) | -14.8746% | 5,473 |
| Net charge-offs to loans | 0.0034% | 3,058 |
| Credit loss provision to net charge-offs | 8,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 2,128.0000% | 32 |
| Efficiency ratio | 51.1055% | 4,960 |
| Assets per employee ($millions) | 9.4971% | 377 |
| Cash dividends to net income (ytd only)* | 217.1553% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,691 |
| Loan loss allowance to noncurrent loans | 18.8626% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 1,669 |
| Noncurrent loans to loans | 5.4277% | 112 |
| Net loans and leases to total assets | 16.4247% | 5,463 |
| Net loans and leases to deposits | 19.4765% | 5,465 |
| Net loans and leases to core deposits | 26.1854% | 5,432 |
| Total domestic deposits to total assets | 84.3309% | 2,945 |
| Equity capital to assets | 7.5824% | 5,355 |
| Core capital (leverage) ratio | 8.8517% | 4,840 |
| Tier 1 risk-based capital ratio | 17.6268% | 1,909 |
| Total risk-based capital ratio | 17.9643% | 2,134 |
| Memoranda: | ||
| Average total assets | $344,655,000 | 1,953 |
| Average earning assets | $309,090,000 | 1,991 |
| Average equity | $29,016,000 | 2,414 |
| Average total loans | $59,265,330 | 4,185 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7093% | 4,450 |
| Cost of funding earning assets | 0.7012% | 1,433 |
| Net interest margin | 3.0081% | 4,867 |
| Noninterest income to average assets | 0.1207% | 5,252 |
| Noninterest expense to average assets | 1.2002% | 5,518 |
| Loan and lease loss provision to assets | 0.0234% | 3,216 |
| Net operating income to assets | 1.7135% | 670 |
| Return on assets (ROA) | 1.4217% | 1,287 |
| Pretax return on assets | 1.3103% | 2,325 |
| Return on Equity (ROE) | 16.0652% | 610 |
| Retained earnings to average equity (ytd only) | -36.9115% | 5,570 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9925% | 5,488 |
| Assets per employee ($millions) | 8.8378% | 474 |
| Cash dividends to net income (ytd only)* | 329.7609% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 4,386 |
| Loan loss allowance to noncurrent loans | 36.9252% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 3,142 |
| Noncurrent loans to loans | 2.4726% | 555 |
| Net loans and leases to total assets | 16.9400% | 5,520 |
| Net loans and leases to deposits | 20.9765% | 5,520 |
| Net loans and leases to core deposits | 28.5811% | 5,474 |
| Total domestic deposits to total assets | 80.7572% | 4,256 |
| Equity capital to assets | 7.5236% | 5,409 |
| Core capital (leverage) ratio | 8.9681% | 4,708 |
| Tier 1 risk-based capital ratio | 17.1896% | 2,061 |
| Total risk-based capital ratio | 17.4934% | 2,330 |
| Memoranda: | ||
| Average total assets | $341,286,500 | 1,977 |
| Average earning assets | $306,907,000 | 2,015 |
| Average equity | $30,202,000 | 2,355 |
| Average total loans | $59,742,000 | 4,205 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 4,237 |
| Cost of funding earning assets | 0.4884% | 2,436 |
| Net interest margin | 3.2550% | 4,295 |
| Noninterest income to average assets | 0.1154% | 5,354 |
| Noninterest expense to average assets | 2.1257% | 4,710 |
| Loan and lease loss provision to assets | 0.0874% | 2,444 |
| Net operating income to assets | 0.8823% | 2,806 |
| Return on assets (ROA) | 1.5152% | 788 |
| Pretax return on assets | 1.4776% | 1,728 |
| Return on Equity (ROE) | 18.1461% | 293 |
| Retained earnings to average equity (ytd only) | 11.2843% | 222 |
| Net charge-offs to loans | 0.0211% | 3,400 |
| Credit loss provision to net charge-offs | 2,346.1538% | 163 |
| Earnings coverage of net charge-offs (x) | 250.3077% | 334 |
| Efficiency ratio | 65.4675% | 3,346 |
| Assets per employee ($millions) | 8.0452% | 631 |
| Cash dividends to net income (ytd only)* | 37.8143% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 4,646 |
| Loan loss allowance to noncurrent loans | 33.7020% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 3,049 |
| Noncurrent loans to loans | 2.5381% | 521 |
| Net loans and leases to total assets | 17.7687% | 5,581 |
| Net loans and leases to deposits | 22.5032% | 5,584 |
| Net loans and leases to core deposits | 30.5695% | 5,521 |
| Total domestic deposits to total assets | 78.9608% | 4,555 |
| Equity capital to assets | 10.2019% | 3,487 |
| Core capital (leverage) ratio | 10.4774% | 2,862 |
| Tier 1 risk-based capital ratio | 19.9945% | 1,323 |
| Total risk-based capital ratio | 20.3022% | 1,458 |
| Memoranda: | ||
| Average total assets | $349,069,400 | 1,921 |
| Average earning assets | $315,542,200 | 1,961 |
| Average equity | $29,146,800 | 2,417 |
| Average total loans | $61,486,600 | 4,166 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 3,880 |
| Cost of funding earning assets | 0.4838% | 2,401 |
| Net interest margin | 3.3537% | 3,999 |
| Noninterest income to average assets | 0.1163% | 5,413 |
| Noninterest expense to average assets | 2.2031% | 4,518 |
| Loan and lease loss provision to assets | 0.1099% | 1,941 |
| Net operating income to assets | 1.0633% | 2,269 |
| Return on assets (ROA) | 1.5472% | 829 |
| Pretax return on assets | 1.3156% | 2,414 |
| Return on Equity (ROE) | 19.5713% | 241 |
| Retained earnings to average equity (ytd only) | 9.9846% | 589 |
| Net charge-offs to loans | 0.0259% | 2,922 |
| Credit loss provision to net charge-offs | 2,416.6667% | 178 |
| Earnings coverage of net charge-offs (x) | 207.0781% | 418 |
| Efficiency ratio | 66.1525% | 3,181 |
| Assets per employee ($millions) | 7.7253% | 697 |
| Cash dividends to net income (ytd only)* | 48.9836% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 4,863 |
| Loan loss allowance to noncurrent loans | 30.0716% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 2,942 |
| Noncurrent loans to loans | 2.6925% | 531 |
| Net loans and leases to total assets | 19.4931% | 5,638 |
| Net loans and leases to deposits | 22.3465% | 5,646 |
| Net loans and leases to core deposits | 32.8968% | 5,568 |
| Total domestic deposits to total assets | 87.2314% | 1,762 |
| Equity capital to assets | 9.7210% | 4,225 |
| Core capital (leverage) ratio | 9.5802% | 4,053 |
| Tier 1 risk-based capital ratio | 20.8538% | 1,220 |
| Total risk-based capital ratio | 21.1815% | 1,335 |
| Memoranda: | ||
| Average total assets | $351,862,250 | 1,916 |
| Average earning assets | $317,730,750 | 1,962 |
| Average equity | $27,815,500 | 2,516 |
| Average total loans | $61,718,750 | 4,201 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 3,873 |
| Cost of funding earning assets | 0.4644% | 2,457 |
| Net interest margin | 3.3404% | 3,982 |
| Noninterest income to average assets | 0.1188% | 5,457 |
| Noninterest expense to average assets | 2.3396% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0507% | 2,202 |
| Return on assets (ROA) | 1.5403% | 822 |
| Pretax return on assets | 1.2878% | 2,434 |
| Return on Equity (ROE) | 20.8768% | 183 |
| Retained earnings to average equity (ytd only) | 20.8768% | 54 |
| Net charge-offs to loans | 0.0130% | 3,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 362.7500% | 236 |
| Efficiency ratio | 70.7749% | 2,537 |
| Assets per employee ($millions) | 7.9394% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3569% | 5,635 |
| Loan loss allowance to noncurrent loans | 12.5850% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 2,959 |
| Noncurrent loans to loans | 2.8363% | 482 |
| Net loans and leases to total assets | 19.0382% | 5,688 |
| Net loans and leases to deposits | 21.4039% | 5,698 |
| Net loans and leases to core deposits | 30.1000% | 5,640 |
| Total domestic deposits to total assets | 88.9473% | 984 |
| Equity capital to assets | 9.7805% | 4,141 |
| Core capital (leverage) ratio | 9.1749% | 4,522 |
| Tier 1 risk-based capital ratio | 20.3195% | 1,299 |
| Total risk-based capital ratio | 20.4574% | 1,491 |
| Memoranda: | ||
| Average total assets | $363,570,670 | 1,872 |
| Average earning assets | $328,579,330 | 1,912 |
| Average equity | $26,824,000 | 2,572 |
| Average total loans | $61,543,000 | 4,222 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 4,033 |
| Cost of funding earning assets | 0.4748% | 2,310 |
| Net interest margin | 3.2494% | 4,182 |
| Noninterest income to average assets | 0.1119% | 5,550 |
| Noninterest expense to average assets | 2.1464% | 4,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2609% | 1,346 |
| Return on assets (ROA) | 1.2901% | 1,297 |
| Pretax return on assets | 0.9357% | 3,642 |
| Return on Equity (ROE) | 20.2981% | 218 |
| Retained earnings to average equity (ytd only) | 20.2981% | 102 |
| Net charge-offs to loans | 0.0261% | 2,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 216.7500% | 259 |
| Efficiency ratio | 66.6096% | 3,396 |
| Assets per employee ($millions) | 8.8627% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3658% | 5,707 |
| Loan loss allowance to noncurrent loans | 131.3609% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 5,129 |
| Noncurrent loans to loans | 0.2785% | 4,116 |
| Net loans and leases to total assets | 15.8657% | 5,779 |
| Net loans and leases to deposits | 19.4472% | 5,774 |
| Net loans and leases to core deposits | 28.4929% | 5,710 |
| Total domestic deposits to total assets | 81.5835% | 4,282 |
| Equity capital to assets | 6.8914% | 5,767 |
| Core capital (leverage) ratio | 8.0488% | 5,542 |
| Tier 1 risk-based capital ratio | 16.6044% | 2,320 |
| Total risk-based capital ratio | 16.7231% | 2,697 |
| Memoranda: | ||
| Average total assets | $382,599,000 | 1,807 |
| Average earning assets | $346,278,000 | 1,842 |
| Average equity | $24,317,500 | 2,765 |
| Average total loans | $61,217,500 | 4,268 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4731% | 4,837 |
| Cost of funding earning assets | 0.2628% | 4,436 |
| Net interest margin | 3.2103% | 4,418 |
| Noninterest income to average assets | 0.1285% | 5,541 |
| Noninterest expense to average assets | 1.8692% | 5,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0847% | 1,962 |
| Return on assets (ROA) | 2.3417% | 192 |
| Pretax return on assets | 2.6229% | 170 |
| Return on Equity (ROE) | 24.9966% | 75 |
| Retained earnings to average equity (ytd only) | 21.7235% | 40 |
| Net charge-offs to loans | 0.0622% | 2,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 103.8947% | 582 |
| Efficiency ratio | 56.3919% | 5,025 |
| Assets per employee ($millions) | 7.6820% | 684 |
| Cash dividends to net income (ytd only)* | 13.0941% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3660% | 5,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 16.0174% | 5,835 |
| Net loans and leases to deposits | 20.3364% | 5,827 |
| Net loans and leases to core deposits | 28.7578% | 5,767 |
| Total domestic deposits to total assets | 78.7626% | 4,852 |
| Equity capital to assets | 5.8245% | 5,859 |
| Core capital (leverage) ratio | 8.7204% | 5,053 |
| Tier 1 risk-based capital ratio | 16.8619% | 2,205 |
| Total risk-based capital ratio | 16.9864% | 2,582 |
| Memoranda: | ||
| Average total assets | $326,129,400 | 2,027 |
| Average earning assets | $299,816,800 | 2,046 |
| Average equity | $30,552,200 | 2,316 |
| Average total loans | $61,106,200 | 4,258 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5050% | 4,788 |
| Cost of funding earning assets | 0.2282% | 4,803 |
| Net interest margin | 3.2768% | 4,268 |
| Noninterest income to average assets | 0.1369% | 5,572 |
| Noninterest expense to average assets | 1.9103% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0982% | 2,004 |
| Return on assets (ROA) | 2.6184% | 140 |
| Pretax return on assets | 3.0021% | 127 |
| Return on Equity (ROE) | 25.0322% | 83 |
| Retained earnings to average equity (ytd only) | 20.9420% | 46 |
| Net charge-offs to loans | 0.0809% | 2,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 79.2737% | 793 |
| Efficiency ratio | 55.9746% | 5,067 |
| Assets per employee ($millions) | 6.3643% | 1,200 |
| Cash dividends to net income (ytd only)* | 16.3399% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3547% | 5,826 |
| Loan loss allowance to noncurrent loans | 22,700.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,555 |
| Noncurrent loans to loans | 0.0016% | 5,420 |
| Net loans and leases to total assets | 19.2703% | 5,881 |
| Net loans and leases to deposits | 23.5507% | 5,872 |
| Net loans and leases to core deposits | 30.6054% | 5,821 |
| Total domestic deposits to total assets | 81.8247% | 3,989 |
| Equity capital to assets | 11.0865% | 2,926 |
| Core capital (leverage) ratio | 8.9149% | 4,924 |
| Tier 1 risk-based capital ratio | 19.8688% | 1,468 |
| Total risk-based capital ratio | 20.0259% | 1,687 |
| Memoranda: | ||
| Average total assets | $311,636,750 | 2,109 |
| Average earning assets | $287,996,500 | 2,121 |
| Average equity | $32,597,250 | 2,212 |
| Average total loans | $60,945,500 | 4,294 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4728% | 4,940 |
| Cost of funding earning assets | 0.1921% | 5,220 |
| Net interest margin | 3.2806% | 4,288 |
| Noninterest income to average assets | 0.1442% | 5,589 |
| Noninterest expense to average assets | 2.0373% | 5,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0771% | 2,053 |
| Return on assets (ROA) | 2.1802% | 248 |
| Pretax return on assets | 2.3362% | 288 |
| Return on Equity (ROE) | 21.3044% | 178 |
| Retained earnings to average equity (ytd only) | 14.9009% | 150 |
| Net charge-offs to loans | 0.0400% | 2,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 146.2500% | 422 |
| Efficiency ratio | 59.4778% | 4,716 |
| Assets per employee ($millions) | 6.0739% | 1,352 |
| Cash dividends to net income (ytd only)* | 30.0571% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4178% | 5,867 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,642 |
| Noncurrent loans to loans | 0.0066% | 5,486 |
| Net loans and leases to total assets | 19.0167% | 5,955 |
| Net loans and leases to deposits | 22.7215% | 5,954 |
| Net loans and leases to core deposits | 27.9821% | 5,914 |
| Total domestic deposits to total assets | 83.6945% | 3,386 |
| Equity capital to assets | 12.1509% | 2,016 |
| Core capital (leverage) ratio | 8.4804% | 5,379 |
| Tier 1 risk-based capital ratio | 19.0467% | 1,683 |
| Total risk-based capital ratio | 19.2324% | 1,901 |
| Memoranda: | ||
| Average total assets | $305,201,000 | 2,147 |
| Average earning assets | $283,115,670 | 2,152 |
| Average equity | $31,233,000 | 2,291 |
| Average total loans | $59,927,000 | 4,349 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4732% | 4,953 |
| Cost of funding earning assets | 0.1870% | 5,308 |
| Net interest margin | 3.2863% | 4,277 |
| Noninterest income to average assets | 0.1414% | 5,639 |
| Noninterest expense to average assets | 2.1209% | 5,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0724% | 2,008 |
| Return on assets (ROA) | 1.9194% | 409 |
| Pretax return on assets | 1.9154% | 669 |
| Return on Equity (ROE) | 20.8095% | 200 |
| Retained earnings to average equity (ytd only) | 20.8095% | 80 |
| Net charge-offs to loans | 0.0536% | 1,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 100.1250% | 536 |
| Efficiency ratio | 61.9824% | 4,445 |
| Assets per employee ($millions) | 12.8264% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4273% | 5,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 20.2232% | 5,990 |
| Net loans and leases to deposits | 22.6288% | 6,003 |
| Net loans and leases to core deposits | 27.1221% | 5,972 |
| Total domestic deposits to total assets | 89.3691% | 909 |
| Equity capital to assets | 9.7401% | 4,409 |
| Core capital (leverage) ratio | 8.5067% | 5,388 |
| Tier 1 risk-based capital ratio | 19.5000% | 1,613 |
| Total risk-based capital ratio | 19.7005% | 1,826 |
| Memoranda: | ||
| Average total assets | $299,879,500 | 2,191 |
| Average earning assets | $278,127,500 | 2,192 |
| Average equity | $27,660,500 | 2,552 |
| Average total loans | $59,733,000 | 4,379 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,453 |
| Cost of funding earning assets | 0.1668% | 5,561 |
| Net interest margin | 3.5047% | 3,502 |
| Noninterest income to average assets | 0.1741% | 5,543 |
| Noninterest expense to average assets | 1.7224% | 5,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9158% | 399 |
| Return on assets (ROA) | 1.7361% | 564 |
| Pretax return on assets | 1.5639% | 1,365 |
| Return on Equity (ROE) | 21.2975% | 196 |
| Retained earnings to average equity (ytd only) | 7.6685% | 1,029 |
| Net charge-offs to loans | -0.4703% | 6,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7163% | 5,963 |
| Assets per employee ($millions) | 10.5087% | 231 |
| Cash dividends to net income (ytd only)* | 63.9932% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4433% | 5,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 19.4539% | 6,059 |
| Net loans and leases to deposits | 21.5336% | 6,074 |
| Net loans and leases to core deposits | 26.2756% | 6,040 |
| Total domestic deposits to total assets | 90.3420% | 483 |
| Equity capital to assets | 8.7242% | 5,369 |
| Core capital (leverage) ratio | 7.9794% | 5,846 |
| Tier 1 risk-based capital ratio | 17.6355% | 2,079 |
| Total risk-based capital ratio | 17.8292% | 2,393 |
| Memoranda: | ||
| Average total assets | $270,024,600 | 2,345 |
| Average earning assets | $253,629,200 | 2,318 |
| Average equity | $22,012,000 | 2,974 |
| Average total loans | $56,137,200 | 4,502 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 4,440 |
| Cost of funding earning assets | 0.1537% | 5,753 |
| Net interest margin | 3.5407% | 3,382 |
| Noninterest income to average assets | 0.1745% | 5,604 |
| Noninterest expense to average assets | 1.6805% | 5,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8836% | 441 |
| Return on assets (ROA) | 1.9300% | 419 |
| Pretax return on assets | 1.8779% | 756 |
| Return on Equity (ROE) | 24.1701% | 129 |
| Retained earnings to average equity (ytd only) | 14.5864% | 184 |
| Net charge-offs to loans | -0.6463% | 6,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6496% | 6,070 |
| Assets per employee ($millions) | 11.8756% | 152 |
| Cash dividends to net income (ytd only)* | 39.6511% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4485% | 6,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 19.2668% | 6,146 |
| Net loans and leases to deposits | 22.0500% | 6,162 |
| Net loans and leases to core deposits | 26.8243% | 6,129 |
| Total domestic deposits to total assets | 87.3775% | 1,857 |
| Equity capital to assets | 7.5410% | 6,068 |
| Core capital (leverage) ratio | 8.4191% | 5,614 |
| Tier 1 risk-based capital ratio | 17.0194% | 2,371 |
| Total risk-based capital ratio | 17.2025% | 2,762 |
| Memoranda: | ||
| Average total assets | $261,343,000 | 2,432 |
| Average earning assets | $246,348,500 | 2,393 |
| Average equity | $20,868,250 | 3,110 |
| Average total loans | $55,284,000 | 4,567 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7844% | 4,119 |
| Cost of funding earning assets | 0.1255% | 6,014 |
| Net interest margin | 3.6589% | 2,876 |
| Noninterest income to average assets | 0.1743% | 5,655 |
| Noninterest expense to average assets | 1.8050% | 5,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8645% | 455 |
| Return on assets (ROA) | 1.9321% | 431 |
| Pretax return on assets | 1.9036% | 728 |
| Return on Equity (ROE) | 23.6455% | 143 |
| Retained earnings to average equity (ytd only) | 23.6455% | 56 |
| Net charge-offs to loans | -1.0076% | 6,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9821% | 6,113 |
| Assets per employee ($millions) | 14.5524% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4699% | 6,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 19.7202% | 6,209 |
| Net loans and leases to deposits | 25.6561% | 6,202 |
| Net loans and leases to core deposits | 26.2512% | 6,200 |
| Total domestic deposits to total assets | 76.8635% | 5,480 |
| Equity capital to assets | 7.0195% | 6,191 |
| Core capital (leverage) ratio | 9.0591% | 4,882 |
| Tier 1 risk-based capital ratio | 17.9226% | 2,082 |
| Total risk-based capital ratio | 18.1171% | 2,412 |
| Memoranda: | ||
| Average total assets | $245,535,670 | 2,580 |
| Average earning assets | $232,639,000 | 2,520 |
| Average equity | $20,063,000 | 3,215 |
| Average total loans | $53,793,000 | 4,652 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 3,825 |
| Cost of funding earning assets | 0.1188% | 6,123 |
| Net interest margin | 3.7314% | 2,505 |
| Noninterest income to average assets | 0.1885% | 5,581 |
| Noninterest expense to average assets | 1.7919% | 5,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9246% | 389 |
| Return on assets (ROA) | 2.0828% | 310 |
| Pretax return on assets | 2.1097% | 473 |
| Return on Equity (ROE) | 23.3406% | 151 |
| Retained earnings to average equity (ytd only) | 23.3406% | 61 |
| Net charge-offs to loans | -2.0750% | 6,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7620% | 6,188 |
| Assets per employee ($millions) | 13.1365% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5147% | 6,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 19.7911% | 6,272 |
| Net loans and leases to deposits | 22.0462% | 6,289 |
| Net loans and leases to core deposits | 22.7056% | 6,287 |
| Total domestic deposits to total assets | 89.7712% | 858 |
| Equity capital to assets | 9.0378% | 5,245 |
| Core capital (leverage) ratio | 9.3649% | 4,478 |
| Tier 1 risk-based capital ratio | 20.2574% | 1,564 |
| Total risk-based capital ratio | 20.4878% | 1,761 |
| Memoranda: | ||
| Average total assets | $222,780,000 | 2,782 |
| Average earning assets | $212,144,500 | 2,708 |
| Average equity | $19,879,500 | 3,246 |
| Average total loans | $51,856,500 | 4,741 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6321% | 6,483 |
| Cost of funding earning assets | 0.0246% | 6,461 |
| Net interest margin | 0.6076% | 6,483 |
| Noninterest income to average assets | 0.0312% | 6,335 |
| Noninterest expense to average assets | 0.3990% | 6,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2045% | 5,752 |
| Return on assets (ROA) | -0.0462% | 6,129 |
| Pretax return on assets | -0.2284% | 6,207 |
| Return on Equity (ROE) | -0.5609% | 6,139 |
| Retained earnings to average equity (ytd only) | -0.5609% | 5,858 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9491% | 3,382 |
| Assets per employee ($millions) | 12.1887% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 28.1391% | 6,232 |
| Net loans and leases to deposits | 32.8336% | 6,241 |
| Net loans and leases to core deposits | 33.9901% | 6,239 |
| Total domestic deposits to total assets | 85.7021% | 2,983 |
| Equity capital to assets | 8.7589% | 5,527 |
| Core capital (leverage) ratio | 8.7827% | 5,256 |
| Tier 1 risk-based capital ratio | 15.5647% | 3,204 |
| Total risk-based capital ratio | 15.5647% | 3,821 |
| Memoranda: | ||
| Average total assets | $153,647,400 | 3,578 |
| Average earning assets | $134,307,800 | 3,693 |
| Average equity | $12,658,200 | 4,250 |
| Average total loans | $47,426,800 | 4,904 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8431% | 6,252 |
| Cost of funding earning assets | 0.1436% | 6,225 |
| Net interest margin | 2.6995% | 6,004 |
| Noninterest income to average assets | 0.3252% | 4,829 |
| Noninterest expense to average assets | 0.9794% | 6,527 |
| Loan and lease loss provision to assets | 0.0219% | 3,971 |
| Net operating income to assets | 1.6189% | 716 |
| Return on assets (ROA) | 1.6189% | 746 |
| Pretax return on assets | 1.6189% | 1,266 |
| Return on Equity (ROE) | 20.0459% | 282 |
| Retained earnings to average equity (ytd only) | 14.1235% | 244 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3783% | 6,493 |
| Assets per employee ($millions) | 10.2685% | 222 |
| Cash dividends to net income (ytd only)* | 29.5441% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 4,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 32.1139% | 6,178 |
| Net loans and leases to deposits | 35.1666% | 6,267 |
| Net loans and leases to core deposits | 36.4016% | 6,276 |
| Total domestic deposits to total assets | 91.3191% | 275 |
| Equity capital to assets | 8.3076% | 5,934 |
| Core capital (leverage) ratio | 7.9808% | 6,079 |
| Tier 1 risk-based capital ratio | 18.9635% | 1,914 |
| Total risk-based capital ratio | 19.8160% | 1,995 |
| Memoranda: | ||
| Average total assets | $146,351,500 | 3,722 |
| Average earning assets | $124,416,500 | 3,905 |
| Average equity | $11,819,250 | 4,419 |
| Average total loans | $46,421,750 | 4,987 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8147% | 6,331 |
| Cost of funding earning assets | 0.1447% | 6,296 |
| Net interest margin | 2.6699% | 6,083 |
| Noninterest income to average assets | 0.3616% | 4,529 |
| Noninterest expense to average assets | 0.9541% | 6,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6913% | 586 |
| Return on assets (ROA) | 1.6913% | 615 |
| Pretax return on assets | 1.6913% | 1,035 |
| Return on Equity (ROE) | 21.1595% | 236 |
| Retained earnings to average equity (ytd only) | 13.5901% | 288 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0673% | 6,577 |
| Assets per employee ($millions) | 9.5834% | 268 |
| Cash dividends to net income (ytd only)* | 35.7730% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 4,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 31.3841% | 6,262 |
| Net loans and leases to deposits | 34.4747% | 6,336 |
| Net loans and leases to core deposits | 35.8499% | 6,335 |
| Total domestic deposits to total assets | 91.0352% | 407 |
| Equity capital to assets | 8.5592% | 5,753 |
| Core capital (leverage) ratio | 7.8889% | 6,161 |
| Tier 1 risk-based capital ratio | 20.0138% | 1,682 |
| Total risk-based capital ratio | 20.9085% | 1,735 |
| Memoranda: | ||
| Average total assets | $143,793,000 | 3,785 |
| Average earning assets | $122,999,000 | 3,953 |
| Average equity | $11,493,670 | 4,500 |
| Average total loans | $45,231,000 | 5,067 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8076% | 6,394 |
| Cost of funding earning assets | 0.1505% | 6,350 |
| Net interest margin | 2.6571% | 6,168 |
| Noninterest income to average assets | 0.4784% | 3,575 |
| Noninterest expense to average assets | 0.9318% | 6,683 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8051% | 482 |
| Return on assets (ROA) | 1.8051% | 502 |
| Pretax return on assets | 1.8051% | 793 |
| Return on Equity (ROE) | 23.4116% | 167 |
| Retained earnings to average equity (ytd only) | 10.4252% | 869 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0447% | 6,652 |
| Assets per employee ($millions) | 9.8775% | 243 |
| Cash dividends to net income (ytd only)* | 55.4700% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 4,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 29.7335% | 6,363 |
| Net loans and leases to deposits | 32.3498% | 6,427 |
| Net loans and leases to core deposits | 33.5215% | 6,420 |
| Total domestic deposits to total assets | 91.9123% | 269 |
| Equity capital to assets | 7.6888% | 6,236 |
| Core capital (leverage) ratio | 7.6326% | 6,295 |
| Tier 1 risk-based capital ratio | 19.2494% | 1,894 |
| Total risk-based capital ratio | 20.1490% | 1,958 |
| Memoranda: | ||
| Average total assets | $143,814,000 | 3,809 |
| Average earning assets | $122,238,500 | 3,994 |
| Average equity | $11,088,500 | 4,593 |
| Average total loans | $45,036,000 | 5,121 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8616% | 6,460 |
| Cost of funding earning assets | 0.1752% | 6,417 |
| Net interest margin | 2.6864% | 6,158 |
| Noninterest income to average assets | 0.3426% | 4,864 |
| Noninterest expense to average assets | 1.2758% | 6,689 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2917% | 1,269 |
| Return on assets (ROA) | 1.2917% | 1,323 |
| Pretax return on assets | 1.3106% | 2,106 |
| Return on Equity (ROE) | 15.9979% | 622 |
| Retained earnings to average equity (ytd only) | 9.8015% | 591 |
| Net charge-offs to loans | -0.0474% | 6,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3259% | 6,429 |
| Assets per employee ($millions) | 9.2977% | 295 |
| Cash dividends to net income (ytd only)* | 38.7324% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 32.2705% | 6,370 |
| Net loans and leases to deposits | 35.1390% | 6,458 |
| Net loans and leases to core deposits | 36.4932% | 6,454 |
| Total domestic deposits to total assets | 91.8367% | 316 |
| Equity capital to assets | 7.7331% | 6,172 |
| Core capital (leverage) ratio | 7.7551% | 6,272 |
| Tier 1 risk-based capital ratio | 19.0958% | 1,890 |
| Total risk-based capital ratio | 20.0127% | 1,950 |
| Memoranda: | ||
| Average total assets | $131,920,800 | 4,034 |
| Average earning assets | $110,184,600 | 4,254 |
| Average equity | $10,651,400 | 4,713 |
| Average total loans | $40,116,800 | 5,338 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8714% | 6,514 |
| Cost of funding earning assets | 0.1817% | 6,492 |
| Net interest margin | 2.6897% | 6,194 |
| Noninterest income to average assets | 0.3435% | 4,943 |
| Noninterest expense to average assets | 1.1812% | 6,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3524% | 1,222 |
| Return on assets (ROA) | 1.3524% | 1,267 |
| Pretax return on assets | 1.3781% | 2,004 |
| Return on Equity (ROE) | 16.5626% | 584 |
| Retained earnings to average equity (ytd only) | 8.3880% | 1,252 |
| Net charge-offs to loans | -0.0653% | 6,388 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1538% | 6,580 |
| Assets per employee ($millions) | 8.7069% | 354 |
| Cash dividends to net income (ytd only)* | 49.3557% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 4,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 5,699 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 32.4847% | 6,430 |
| Net loans and leases to deposits | 35.5446% | 6,524 |
| Net loans and leases to core deposits | 37.0986% | 6,525 |
| Total domestic deposits to total assets | 91.3915% | 395 |
| Equity capital to assets | 8.0917% | 6,082 |
| Core capital (leverage) ratio | 7.8411% | 6,306 |
| Tier 1 risk-based capital ratio | 19.2236% | 1,923 |
| Total risk-based capital ratio | 20.1808% | 1,968 |
| Memoranda: | ||
| Average total assets | $130,034,750 | 4,114 |
| Average earning assets | $107,123,500 | 4,377 |
| Average equity | $10,618,000 | 4,771 |
| Average total loans | $38,768,000 | 5,448 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8896% | 6,540 |
| Cost of funding earning assets | 0.1913% | 6,518 |
| Net interest margin | 2.6982% | 6,177 |
| Noninterest income to average assets | 0.3389% | 4,966 |
| Noninterest expense to average assets | 1.1645% | 6,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2861% | 1,359 |
| Return on assets (ROA) | 1.2861% | 1,455 |
| Pretax return on assets | 1.3247% | 2,213 |
| Return on Equity (ROE) | 15.7034% | 703 |
| Retained earnings to average equity (ytd only) | 6.2813% | 2,272 |
| Net charge-offs to loans | -0.0268% | 6,063 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7822% | 6,599 |
| Assets per employee ($millions) | 8.4851% | 382 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 4,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 5,721 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 31.1740% | 6,539 |
| Net loans and leases to deposits | 34.0350% | 6,608 |
| Net loans and leases to core deposits | 35.5586% | 6,614 |
| Total domestic deposits to total assets | 91.5939% | 347 |
| Equity capital to assets | 7.8679% | 6,284 |
| Core capital (leverage) ratio | 7.6034% | 6,414 |
| Tier 1 risk-based capital ratio | 19.4379% | 1,872 |
| Total risk-based capital ratio | 20.4110% | 1,920 |
| Memoranda: | ||
| Average total assets | $129,845,330 | 4,146 |
| Average earning assets | $103,475,670 | 4,486 |
| Average equity | $10,634,670 | 4,801 |
| Average total loans | $37,380,000 | 5,526 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9732% | 6,539 |
| Cost of funding earning assets | 0.2046% | 6,555 |
| Net interest margin | 2.7685% | 6,095 |
| Noninterest income to average assets | 0.3569% | 4,815 |
| Noninterest expense to average assets | 1.1836% | 6,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1988% | 1,528 |
| Return on assets (ROA) | 1.1988% | 1,638 |
| Pretax return on assets | 1.2781% | 2,306 |
| Return on Equity (ROE) | 14.3627% | 888 |
| Retained earnings to average equity (ytd only) | 10.5254% | 979 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0793% | 6,608 |
| Assets per employee ($millions) | 8.3071% | 432 |
| Cash dividends to net income (ytd only)* | 26.7176% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 4,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 5,567 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 27.3109% | 6,691 |
| Net loans and leases to deposits | 29.9621% | 6,746 |
| Net loans and leases to core deposits | 31.1142% | 6,742 |
| Total domestic deposits to total assets | 91.1514% | 465 |
| Equity capital to assets | 8.2595% | 6,214 |
| Core capital (leverage) ratio | 7.7624% | 6,316 |
| Tier 1 risk-based capital ratio | 18.5009% | 2,195 |
| Total risk-based capital ratio | 19.4220% | 2,265 |
| Memoranda: | ||
| Average total assets | $131,130,000 | 4,160 |
| Average earning assets | $99,691,500 | 4,633 |
| Average equity | $10,945,000 | 4,781 |
| Average total loans | $35,985,500 | 5,619 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3504% | 6,540 |
| Cost of funding earning assets | 0.2655% | 6,605 |
| Net interest margin | 3.0849% | 5,853 |
| Noninterest income to average assets | 0.4242% | 4,422 |
| Noninterest expense to average assets | 1.4065% | 6,910 |
| Loan and lease loss provision to assets | 0.1035% | 4,348 |
| Net operating income to assets | 1.2071% | 1,581 |
| Return on assets (ROA) | 1.2356% | 1,656 |
| Pretax return on assets | 1.3206% | 2,321 |
| Return on Equity (ROE) | 14.0352% | 983 |
| Retained earnings to average equity (ytd only) | 9.5895% | 681 |
| Net charge-offs to loans | 0.4206% | 2,553 |
| Credit loss provision to net charge-offs | 86.0140% | 3,628 |
| Earnings coverage of net charge-offs (x) | 11.5804% | 2,015 |
| Efficiency ratio | 50.2254% | 6,581 |
| Assets per employee ($millions) | 8.6231% | 382 |
| Cash dividends to net income (ytd only)* | 31.6757% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 4,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 5,514 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 26.8250% | 6,789 |
| Net loans and leases to deposits | 29.5090% | 6,842 |
| Net loans and leases to core deposits | 30.6773% | 6,835 |
| Total domestic deposits to total assets | 90.9042% | 533 |
| Equity capital to assets | 8.4363% | 6,096 |
| Core capital (leverage) ratio | 7.7176% | 6,396 |
| Tier 1 risk-based capital ratio | 18.8283% | 2,003 |
| Total risk-based capital ratio | 19.7941% | 2,059 |
| Memoranda: | ||
| Average total assets | $118,806,600 | 4,386 |
| Average earning assets | $91,510,200 | 4,825 |
| Average equity | $10,459,400 | 4,875 |
| Average total loans | $33,995,400 | 5,759 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3866% | 6,643 |
| Cost of funding earning assets | 0.2789% | 6,702 |
| Net interest margin | 3.1077% | 5,927 |
| Noninterest income to average assets | 0.4246% | 4,446 |
| Noninterest expense to average assets | 1.2923% | 7,050 |
| Loan and lease loss provision to assets | 0.1412% | 3,769 |
| Net operating income to assets | 1.3302% | 1,374 |
| Return on assets (ROA) | 1.3302% | 1,509 |
| Pretax return on assets | 1.4208% | 2,171 |
| Return on Equity (ROE) | 14.9357% | 917 |
| Retained earnings to average equity (ytd only) | 8.9434% | 1,250 |
| Net charge-offs to loans | 0.0119% | 5,541 |
| Credit loss provision to net charge-offs | 4,100.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 453.6550% | 97 |
| Efficiency ratio | 45.2754% | 6,855 |
| Assets per employee ($millions) | 8.1443% | 456 |
| Cash dividends to net income (ytd only)* | 40.1206% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 2,973 |
| Loan loss allowance to noncurrent loans | 200.9615% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 5,372 |
| Noncurrent loans to loans | 0.8698% | 4,682 |
| Net loans and leases to total assets | 28.8503% | 6,850 |
| Net loans and leases to deposits | 31.9196% | 6,917 |
| Net loans and leases to core deposits | 33.1877% | 6,913 |
| Total domestic deposits to total assets | 90.3843% | 638 |
| Equity capital to assets | 8.9060% | 5,913 |
| Core capital (leverage) ratio | 7.9563% | 6,360 |
| Tier 1 risk-based capital ratio | 18.5163% | 2,162 |
| Total risk-based capital ratio | 19.7662% | 2,126 |
| Memoranda: | ||
| Average total assets | $116,171,750 | 4,480 |
| Average earning assets | $90,826,000 | 4,891 |
| Average equity | $10,346,250 | 4,954 |
| Average total loans | $33,698,250 | 5,844 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4054% | 6,724 |
| Cost of funding earning assets | 0.2946% | 6,760 |
| Net interest margin | 3.1108% | 5,971 |
| Noninterest income to average assets | 0.4309% | 4,427 |
| Noninterest expense to average assets | 1.2647% | 7,122 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5030% | 985 |
| Return on assets (ROA) | 1.5030% | 1,106 |
| Pretax return on assets | 1.6081% | 1,525 |
| Return on Equity (ROE) | 16.8759% | 656 |
| Retained earnings to average equity (ytd only) | 9.7951% | 1,033 |
| Net charge-offs to loans | -0.0243% | 6,472 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0244% | 6,955 |
| Assets per employee ($millions) | 7.5706% | 570 |
| Cash dividends to net income (ytd only)* | 41.9580% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 4,293 |
| Loan loss allowance to noncurrent loans | 80.2198% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 5,356 |
| Noncurrent loans to loans | 1.7938% | 3,226 |
| Net loans and leases to total assets | 30.8219% | 6,851 |
| Net loans and leases to deposits | 34.2372% | 6,915 |
| Net loans and leases to core deposits | 35.9656% | 6,914 |
| Total domestic deposits to total assets | 90.0246% | 911 |
| Equity capital to assets | 9.2322% | 5,429 |
| Core capital (leverage) ratio | 7.8531% | 6,406 |
| Tier 1 risk-based capital ratio | 19.0191% | 1,960 |
| Total risk-based capital ratio | 20.1003% | 1,991 |
| Memoranda: | ||
| Average total assets | $114,174,000 | 4,560 |
| Average earning assets | $89,623,330 | 4,951 |
| Average equity | $10,168,330 | 4,993 |
| Average total loans | $32,973,670 | 5,912 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3979% | 6,813 |
| Cost of funding earning assets | 0.3122% | 6,807 |
| Net interest margin | 3.0857% | 6,093 |
| Noninterest income to average assets | 0.4577% | 4,244 |
| Noninterest expense to average assets | 1.3172% | 7,164 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3906% | 1,239 |
| Return on assets (ROA) | 1.3906% | 1,386 |
| Pretax return on assets | 1.4885% | 1,896 |
| Return on Equity (ROE) | 15.9033% | 819 |
| Retained earnings to average equity (ytd only) | 12.9064% | 696 |
| Net charge-offs to loans | -0.0505% | 6,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9489% | 6,856 |
| Assets per employee ($millions) | 7.8183% | 527 |
| Cash dividends to net income (ytd only)* | 18.8442% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,900 |
| Loan loss allowance to noncurrent loans | 80.2198% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 5,514 |
| Noncurrent loans to loans | 1.9427% | 3,229 |
| Net loans and leases to total assets | 27.5244% | 6,989 |
| Net loans and leases to deposits | 30.3631% | 7,048 |
| Net loans and leases to core deposits | 31.5215% | 7,050 |
| Total domestic deposits to total assets | 90.6510% | 714 |
| Equity capital to assets | 8.6592% | 5,921 |
| Core capital (leverage) ratio | 7.8153% | 6,402 |
| Tier 1 risk-based capital ratio | 18.9349% | 2,010 |
| Total risk-based capital ratio | 20.0327% | 2,023 |
| Memoranda: | ||
| Average total assets | $114,481,500 | 4,583 |
| Average earning assets | $87,112,500 | 5,051 |
| Average equity | $10,010,500 | 5,038 |
| Average total loans | $31,704,500 | 6,026 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6740% | 6,875 |
| Cost of funding earning assets | 0.4266% | 6,813 |
| Net interest margin | 3.2474% | 5,967 |
| Noninterest income to average assets | 0.4434% | 4,281 |
| Noninterest expense to average assets | 1.5810% | 7,129 |
| Loan and lease loss provision to assets | 0.0897% | 5,463 |
| Net operating income to assets | 1.2196% | 1,465 |
| Return on assets (ROA) | 1.2404% | 1,505 |
| Pretax return on assets | 1.3261% | 2,033 |
| Return on Equity (ROE) | 13.7281% | 1,007 |
| Retained earnings to average equity (ytd only) | 10.3825% | 493 |
| Net charge-offs to loans | 1.1318% | 1,505 |
| Credit loss provision to net charge-offs | 27.3846% | 5,822 |
| Earnings coverage of net charge-offs (x) | 4.2554% | 3,199 |
| Efficiency ratio | 53.1504% | 6,593 |
| Assets per employee ($millions) | 7.4459% | 589 |
| Cash dividends to net income (ytd only)* | 24.3704% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 3,355 |
| Loan loss allowance to noncurrent loans | 80.3487% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 5,560 |
| Noncurrent loans to loans | 2.0608% | 3,121 |
| Net loans and leases to total assets | 26.9606% | 7,090 |
| Net loans and leases to deposits | 29.8242% | 7,138 |
| Net loans and leases to core deposits | 31.6422% | 7,123 |
| Total domestic deposits to total assets | 90.3983% | 763 |
| Equity capital to assets | 8.8335% | 5,753 |
| Core capital (leverage) ratio | 8.1137% | 6,123 |
| Tier 1 risk-based capital ratio | 19.3991% | 1,794 |
| Total risk-based capital ratio | 20.5575% | 1,784 |
| Memoranda: | ||
| Average total assets | $99,241,800 | 4,906 |
| Average earning assets | $77,353,600 | 5,304 |
| Average equity | $8,967,000 | 5,288 |
| Average total loans | $28,714,800 | 6,214 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 6,931 |
| Cost of funding earning assets | 0.4499% | 6,878 |
| Net interest margin | 3.2528% | 6,007 |
| Noninterest income to average assets | 0.4078% | 4,611 |
| Noninterest expense to average assets | 1.4965% | 7,226 |
| Loan and lease loss provision to assets | 0.1234% | 4,893 |
| Net operating income to assets | 1.2656% | 1,465 |
| Return on assets (ROA) | 1.2927% | 1,493 |
| Pretax return on assets | 1.3842% | 1,987 |
| Return on Equity (ROE) | 14.2142% | 998 |
| Retained earnings to average equity (ytd only) | 9.6388% | 943 |
| Net charge-offs to loans | 0.0047% | 6,124 |
| Credit loss provision to net charge-offs | 8,900.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,068.6466% | 22 |
| Efficiency ratio | 50.3030% | 6,812 |
| Assets per employee ($millions) | 6.8583% | 794 |
| Cash dividends to net income (ytd only)* | 32.1887% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8347% | 1,001 |
| Loan loss allowance to noncurrent loans | 87.8436% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9196% | 4,912 |
| Noncurrent loans to loans | 3.2270% | 2,150 |
| Net loans and leases to total assets | 27.6882% | 7,158 |
| Net loans and leases to deposits | 30.7978% | 7,204 |
| Net loans and leases to core deposits | 31.8823% | 7,203 |
| Total domestic deposits to total assets | 89.9032% | 921 |
| Equity capital to assets | 9.2735% | 5,419 |
| Core capital (leverage) ratio | 8.4418% | 5,787 |
| Tier 1 risk-based capital ratio | 20.0000% | 1,683 |
| Total risk-based capital ratio | 21.2598% | 1,655 |
| Memoranda: | ||
| Average total assets | $96,130,000 | 5,036 |
| Average earning assets | $75,870,750 | 5,386 |
| Average equity | $8,742,250 | 5,376 |
| Average total loans | $28,238,750 | 6,293 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7254% | 6,993 |
| Cost of funding earning assets | 0.4704% | 6,948 |
| Net interest margin | 3.2551% | 5,990 |
| Noninterest income to average assets | 0.3664% | 4,946 |
| Noninterest expense to average assets | 1.5019% | 7,306 |
| Loan and lease loss provision to assets | 0.1172% | 4,809 |
| Net operating income to assets | 1.2366% | 1,472 |
| Return on assets (ROA) | 1.2782% | 1,440 |
| Pretax return on assets | 1.3719% | 1,887 |
| Return on Equity (ROE) | 14.1571% | 944 |
| Retained earnings to average equity (ytd only) | 8.4942% | 1,264 |
| Net charge-offs to loans | 0.0215% | 5,540 |
| Credit loss provision to net charge-offs | 1,833.3333% | 185 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 161 |
| Efficiency ratio | 50.9761% | 6,875 |
| Assets per employee ($millions) | 6.9999% | 722 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9020% | 979 |
| Loan loss allowance to noncurrent loans | 84.4846% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 4,941 |
| Noncurrent loans to loans | 3.4349% | 2,062 |
| Net loans and leases to total assets | 27.1434% | 7,263 |
| Net loans and leases to deposits | 30.1543% | 7,307 |
| Net loans and leases to core deposits | 31.6493% | 7,300 |
| Total domestic deposits to total assets | 90.0151% | 971 |
| Equity capital to assets | 9.1563% | 5,346 |
| Core capital (leverage) ratio | 8.3415% | 5,805 |
| Tier 1 risk-based capital ratio | 20.3605% | 1,540 |
| Total risk-based capital ratio | 21.6203% | 1,508 |
| Memoranda: | ||
| Average total assets | $93,882,000 | 5,142 |
| Average earning assets | $74,407,330 | 5,481 |
| Average equity | $8,476,330 | 5,464 |
| Average total loans | $27,880,000 | 6,371 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 6,971 |
| Cost of funding earning assets | 0.5105% | 6,940 |
| Net interest margin | 3.2714% | 5,875 |
| Noninterest income to average assets | 0.3572% | 5,044 |
| Noninterest expense to average assets | 1.6118% | 7,298 |
| Loan and lease loss provision to assets | 0.1742% | 3,882 |
| Net operating income to assets | 1.0890% | 1,877 |
| Return on assets (ROA) | 1.0890% | 1,923 |
| Pretax return on assets | 1.1675% | 2,490 |
| Return on Equity (ROE) | 12.1536% | 1,418 |
| Retained earnings to average equity (ytd only) | 4.1322% | 3,686 |
| Net charge-offs to loans | 0.0427% | 4,517 |
| Credit loss provision to net charge-offs | 1,333.3333% | 300 |
| Earnings coverage of net charge-offs (x) | 102.6667% | 313 |
| Efficiency ratio | 54.5723% | 6,640 |
| Assets per employee ($millions) | 6.7289% | 832 |
| Cash dividends to net income (ytd only)* | 66.0000% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8414% | 1,068 |
| Loan loss allowance to noncurrent loans | 76.2463% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0859% | 4,755 |
| Noncurrent loans to loans | 3.7266% | 1,981 |
| Net loans and leases to total assets | 28.3120% | 7,287 |
| Net loans and leases to deposits | 31.8179% | 7,327 |
| Net loans and leases to core deposits | 33.3183% | 7,318 |
| Total domestic deposits to total assets | 88.9814% | 1,785 |
| Equity capital to assets | 8.8680% | 5,397 |
| Core capital (leverage) ratio | 8.4566% | 5,537 |
| Tier 1 risk-based capital ratio | 19.8887% | 1,607 |
| Total risk-based capital ratio | 21.1478% | 1,571 |
| Memoranda: | ||
| Average total assets | $91,824,000 | 5,245 |
| Average earning assets | $72,873,500 | 5,571 |
| Average equity | $8,228,000 | 5,544 |
| Average total loans | $28,122,500 | 6,412 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 6,983 |
| Cost of funding earning assets | 0.5795% | 7,164 |
| Net interest margin | 3.5738% | 4,946 |
| Noninterest income to average assets | 0.3689% | 5,153 |
| Noninterest expense to average assets | 1.7630% | 7,296 |
| Loan and lease loss provision to assets | 0.5841% | 2,799 |
| Net operating income to assets | 1.0451% | 1,889 |
| Return on assets (ROA) | 1.0708% | 1,889 |
| Pretax return on assets | 1.1477% | 2,404 |
| Return on Equity (ROE) | 8.6367% | 2,450 |
| Retained earnings to average equity (ytd only) | -24.7082% | 7,107 |
| Net charge-offs to loans | 1.7680% | 1,198 |
| Credit loss provision to net charge-offs | 92.9254% | 4,993 |
| Earnings coverage of net charge-offs (x) | 2.7113% | 3,731 |
| Efficiency ratio | 50.8492% | 7,069 |
| Assets per employee ($millions) | 5.9629% | 1,235 |
| Cash dividends to net income (ytd only)* | 386.0831% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5804% | 1,308 |
| Loan loss allowance to noncurrent loans | 80.6732% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.1012% | 4,813 |
| Noncurrent loans to loans | 3.1986% | 2,378 |
| Net loans and leases to total assets | 31.3615% | 7,308 |
| Net loans and leases to deposits | 35.4820% | 7,357 |
| Net loans and leases to core deposits | 37.2568% | 7,369 |
| Total domestic deposits to total assets | 88.3871% | 2,021 |
| Equity capital to assets | 9.0582% | 5,062 |
| Core capital (leverage) ratio | 8.8440% | 4,783 |
| Tier 1 risk-based capital ratio | 19.2225% | 1,666 |
| Total risk-based capital ratio | 20.4811% | 1,633 |
| Memoranda: | ||
| Average total assets | $83,211,800 | 5,495 |
| Average earning assets | $72,135,400 | 5,599 |
| Average equity | $10,316,400 | 5,035 |
| Average total loans | $29,581,800 | 6,417 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 7,130 |
| Cost of funding earning assets | 0.5797% | 7,327 |
| Net interest margin | 3.5887% | 4,926 |
| Noninterest income to average assets | 0.3478% | 5,389 |
| Noninterest expense to average assets | 1.6492% | 7,469 |
| Loan and lease loss provision to assets | 0.7936% | 1,918 |
| Net operating income to assets | 1.0109% | 2,198 |
| Return on assets (ROA) | 1.0124% | 2,310 |
| Pretax return on assets | 1.0908% | 2,852 |
| Return on Equity (ROE) | 7.6049% | 3,062 |
| Retained earnings to average equity (ytd only) | -0.4906% | 5,913 |
| Net charge-offs to loans | 2.3417% | 751 |
| Credit loss provision to net charge-offs | 92.9254% | 4,661 |
| Earnings coverage of net charge-offs (x) | 2.2046% | 4,077 |
| Efficiency ratio | 46.6944% | 7,356 |
| Assets per employee ($millions) | 5.5718% | 1,558 |
| Cash dividends to net income (ytd only)* | 106.4513% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4471% | 1,401 |
| Loan loss allowance to noncurrent loans | 82.5556% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1534% | 4,809 |
| Noncurrent loans to loans | 2.9641% | 2,692 |
| Net loans and leases to total assets | 35.4404% | 7,288 |
| Net loans and leases to deposits | 42.0428% | 7,300 |
| Net loans and leases to core deposits | 44.4125% | 7,306 |
| Total domestic deposits to total assets | 84.2959% | 3,964 |
| Equity capital to assets | 13.2991% | 1,449 |
| Core capital (leverage) ratio | 12.4981% | 1,409 |
| Tier 1 risk-based capital ratio | 25.6823% | 798 |
| Total risk-based capital ratio | 26.9398% | 784 |
| Memoranda: | ||
| Average total assets | $81,653,750 | 5,616 |
| Average earning assets | $72,448,250 | 5,654 |
| Average equity | $10,870,000 | 4,957 |
| Average total loans | $29,778,750 | 6,491 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1823% | 7,196 |
| Cost of funding earning assets | 0.5883% | 7,429 |
| Net interest margin | 3.5939% | 4,842 |
| Noninterest income to average assets | 0.3407% | 5,427 |
| Noninterest expense to average assets | 1.5849% | 7,574 |
| Loan and lease loss provision to assets | 1.0739% | 1,345 |
| Net operating income to assets | 0.8222% | 2,867 |
| Return on assets (ROA) | 0.8246% | 3,001 |
| Pretax return on assets | 0.8813% | 3,571 |
| Return on Equity (ROE) | 6.1919% | 3,704 |
| Retained earnings to average equity (ytd only) | -3.2628% | 6,332 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8011% | 7,495 |
| Assets per employee ($millions) | 5.3268% | 1,783 |
| Cash dividends to net income (ytd only)* | 152.6946% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0995% | 340 |
| Loan loss allowance to noncurrent loans | 83.7931% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.8147% | 3,737 |
| Noncurrent loans to loans | 4.8924% | 1,428 |
| Net loans and leases to total assets | 35.5723% | 7,368 |
| Net loans and leases to deposits | 42.2779% | 7,387 |
| Net loans and leases to core deposits | 44.9518% | 7,383 |
| Total domestic deposits to total assets | 84.1393% | 4,042 |
| Equity capital to assets | 13.5579% | 1,321 |
| Core capital (leverage) ratio | 12.2451% | 1,522 |
| Tier 1 risk-based capital ratio | 26.4119% | 742 |
| Total risk-based capital ratio | 27.6856% | 731 |
| Memoranda: | ||
| Average total assets | $81,012,670 | 5,669 |
| Average earning assets | $72,066,330 | 5,706 |
| Average equity | $10,788,330 | 4,978 |
| Average total loans | $29,584,000 | 6,553 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 7,193 |
| Cost of funding earning assets | 0.5981% | 7,544 |
| Net interest margin | 3.6613% | 4,433 |
| Noninterest income to average assets | 0.3040% | 5,718 |
| Noninterest expense to average assets | 1.6575% | 7,612 |
| Loan and lease loss provision to assets | 0.1471% | 5,076 |
| Net operating income to assets | 1.5990% | 752 |
| Return on assets (ROA) | 1.6036% | 799 |
| Pretax return on assets | 1.7164% | 1,027 |
| Return on Equity (ROE) | 12.1494% | 1,455 |
| Retained earnings to average equity (ytd only) | 6.5763% | 2,329 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1409% | 7,493 |
| Assets per employee ($millions) | 5.9201% | 1,320 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8177% | 965 |
| Loan loss allowance to noncurrent loans | 55.1396% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 3,827 |
| Noncurrent loans to loans | 5.1101% | 1,408 |
| Net loans and leases to total assets | 33.7074% | 7,503 |
| Net loans and leases to deposits | 39.8656% | 7,523 |
| Net loans and leases to core deposits | 42.5396% | 7,512 |
| Total domestic deposits to total assets | 84.5526% | 3,874 |
| Equity capital to assets | 13.1381% | 1,468 |
| Core capital (leverage) ratio | 12.8503% | 1,271 |
| Tier 1 risk-based capital ratio | 25.9015% | 783 |
| Total risk-based capital ratio | 27.1606% | 768 |
| Memoranda: | ||
| Average total assets | $81,568,000 | 5,721 |
| Average earning assets | $71,559,500 | 5,793 |
| Average equity | $10,766,000 | 5,035 |
| Average total loans | $29,557,000 | 6,625 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 7,084 |
| Cost of funding earning assets | 0.7781% | 7,586 |
| Net interest margin | 3.9555% | 3,054 |
| Noninterest income to average assets | 0.3640% | 5,487 |
| Noninterest expense to average assets | 1.8318% | 7,583 |
| Loan and lease loss provision to assets | 0.4741% | 3,987 |
| Net operating income to assets | 1.4912% | 687 |
| Return on assets (ROA) | 1.5131% | 703 |
| Pretax return on assets | 1.6180% | 924 |
| Return on Equity (ROE) | 11.3025% | 1,353 |
| Retained earnings to average equity (ytd only) | 2.5934% | 3,328 |
| Net charge-offs to loans | 0.4211% | 4,113 |
| Credit loss provision to net charge-offs | 295.1613% | 1,130 |
| Earnings coverage of net charge-offs (x) | 12.8790% | 1,466 |
| Efficiency ratio | 46.9611% | 7,666 |
| Assets per employee ($millions) | 5.7325% | 1,431 |
| Cash dividends to net income (ytd only)* | 77.0548% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5686% | 1,152 |
| Loan loss allowance to noncurrent loans | 54.4693% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.7843% | 3,696 |
| Noncurrent loans to loans | 4.7156% | 1,480 |
| Net loans and leases to total assets | 36.8662% | 7,490 |
| Net loans and leases to deposits | 44.2224% | 7,509 |
| Net loans and leases to core deposits | 49.5586% | 7,595 |
| Total domestic deposits to total assets | 83.3655% | 4,350 |
| Equity capital to assets | 13.2615% | 1,409 |
| Core capital (leverage) ratio | 12.9609% | 1,264 |
| Tier 1 risk-based capital ratio | 25.0316% | 842 |
| Total risk-based capital ratio | 26.2895% | 817 |
| Memoranda: | ||
| Average total assets | $77,191,800 | 5,803 |
| Average earning assets | $69,018,000 | 5,840 |
| Average equity | $10,334,000 | 5,203 |
| Average total loans | $29,446,200 | 6,663 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 7,284 |
| Cost of funding earning assets | 0.8134% | 7,673 |
| Net interest margin | 3.8878% | 3,276 |
| Noninterest income to average assets | 0.3140% | 5,967 |
| Noninterest expense to average assets | 1.6957% | 7,768 |
| Loan and lease loss provision to assets | 0.5931% | 3,015 |
| Net operating income to assets | 1.4443% | 932 |
| Return on assets (ROA) | 1.4689% | 937 |
| Pretax return on assets | 1.5701% | 1,244 |
| Return on Equity (ROE) | 10.9454% | 1,636 |
| Retained earnings to average equity (ytd only) | -0.7539% | 5,422 |
| Net charge-offs to loans | 0.0274% | 6,496 |
| Credit loss provision to net charge-offs | 5,666.6667% | 70 |
| Earnings coverage of net charge-offs (x) | 204.1613% | 187 |
| Efficiency ratio | 44.2421% | 7,831 |
| Assets per employee ($millions) | 5.4599% | 1,654 |
| Cash dividends to net income (ytd only)* | 106.8882% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7778% | 812 |
| Loan loss allowance to noncurrent loans | 53.2032% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 2.1442% | 3,168 |
| Noncurrent loans to loans | 5.2211% | 1,232 |
| Net loans and leases to total assets | 39.9278% | 7,471 |
| Net loans and leases to deposits | 48.4837% | 7,476 |
| Net loans and leases to core deposits | 54.3941% | 7,584 |
| Total domestic deposits to total assets | 82.3530% | 4,523 |
| Equity capital to assets | 13.8818% | 1,344 |
| Core capital (leverage) ratio | 12.7949% | 1,447 |
| Tier 1 risk-based capital ratio | 24.3886% | 961 |
| Total risk-based capital ratio | 25.6500% | 943 |
| Memoranda: | ||
| Average total assets | $76,426,000 | 5,864 |
| Average earning assets | $69,172,500 | 5,875 |
| Average equity | $10,256,750 | 5,270 |
| Average total loans | $29,216,000 | 6,726 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 7,447 |
| Cost of funding earning assets | 0.8493% | 7,761 |
| Net interest margin | 3.8116% | 3,507 |
| Noninterest income to average assets | 0.3088% | 6,041 |
| Noninterest expense to average assets | 1.5493% | 7,945 |
| Loan and lease loss provision to assets | 0.7694% | 2,151 |
| Net operating income to assets | 1.3374% | 1,145 |
| Return on assets (ROA) | 1.3739% | 1,148 |
| Pretax return on assets | 1.4708% | 1,525 |
| Return on Equity (ROE) | 10.3564% | 1,899 |
| Retained earnings to average equity (ytd only) | -4.4385% | 6,212 |
| Net charge-offs to loans | 0.0421% | 5,873 |
| Credit loss provision to net charge-offs | 4,900.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 140.1667% | 285 |
| Efficiency ratio | 41.3119% | 7,995 |
| Assets per employee ($millions) | 5.9287% | 1,248 |
| Cash dividends to net income (ytd only)* | 142.8571% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7549% | 710 |
| Loan loss allowance to noncurrent loans | 32.0031% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 3.3488% | 1,865 |
| Noncurrent loans to loans | 8.6082% | 475 |
| Net loans and leases to total assets | 37.8304% | 7,640 |
| Net loans and leases to deposits | 45.4555% | 7,659 |
| Net loans and leases to core deposits | 50.8671% | 7,745 |
| Total domestic deposits to total assets | 83.2250% | 4,137 |
| Equity capital to assets | 12.8813% | 1,748 |
| Core capital (leverage) ratio | 12.5889% | 1,580 |
| Tier 1 risk-based capital ratio | 24.4018% | 990 |
| Total risk-based capital ratio | 25.6630% | 973 |
| Memoranda: | ||
| Average total assets | $76,422,000 | 5,905 |
| Average earning assets | $69,000,000 | 5,920 |
| Average equity | $10,138,670 | 5,322 |
| Average total loans | $28,490,670 | 6,821 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 7,599 |
| Cost of funding earning assets | 0.8895% | 7,825 |
| Net interest margin | 3.7314% | 3,753 |
| Noninterest income to average assets | 0.2891% | 6,125 |
| Noninterest expense to average assets | 1.5717% | 7,927 |
| Loan and lease loss provision to assets | 0.5256% | 2,368 |
| Net operating income to assets | 1.4550% | 1,029 |
| Return on assets (ROA) | 1.5034% | 999 |
| Pretax return on assets | 1.6400% | 1,316 |
| Return on Equity (ROE) | 11.1675% | 1,921 |
| Retained earnings to average equity (ytd only) | 5.3104% | 2,952 |
| Net charge-offs to loans | 0.1009% | 4,170 |
| Credit loss provision to net charge-offs | 1,428.5714% | 444 |
| Earnings coverage of net charge-offs (x) | 57.4286% | 664 |
| Efficiency ratio | 42.6534% | 7,981 |
| Assets per employee ($millions) | 6.0107% | 1,190 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3385% | 909 |
| Loan loss allowance to noncurrent loans | 45.4939% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.7750% | 3,257 |
| Noncurrent loans to loans | 5.1403% | 1,048 |
| Net loans and leases to total assets | 33.7245% | 7,813 |
| Net loans and leases to deposits | 40.5815% | 7,825 |
| Net loans and leases to core deposits | 44.8323% | 7,892 |
| Total domestic deposits to total assets | 83.1032% | 4,094 |
| Equity capital to assets | 13.2879% | 1,623 |
| Core capital (leverage) ratio | 13.1908% | 1,421 |
| Tier 1 risk-based capital ratio | 26.6089% | 841 |
| Total risk-based capital ratio | 27.8650% | 832 |
| Memoranda: | ||
| Average total assets | $76,096,500 | 5,943 |
| Average earning assets | $69,249,500 | 5,937 |
| Average equity | $10,244,000 | 5,308 |
| Average total loans | $27,744,500 | 6,898 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 7,557 |
| Cost of funding earning assets | 1.4137% | 7,725 |
| Net interest margin | 3.9235% | 3,466 |
| Noninterest income to average assets | 0.4055% | 5,426 |
| Noninterest expense to average assets | 1.8883% | 7,634 |
| Loan and lease loss provision to assets | 0.3009% | 3,968 |
| Net operating income to assets | 1.6471% | 755 |
| Return on assets (ROA) | 1.7279% | 611 |
| Pretax return on assets | 1.8411% | 863 |
| Return on Equity (ROE) | 12.6140% | 1,422 |
| Retained earnings to average equity (ytd only) | 4.6126% | 2,256 |
| Net charge-offs to loans | 0.0189% | 6,600 |
| Credit loss provision to net charge-offs | 4,200.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 287.0000% | 167 |
| Efficiency ratio | 47.8750% | 7,819 |
| Assets per employee ($millions) | 5.6965% | 1,323 |
| Cash dividends to net income (ytd only)* | 63.4328% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8873% | 1,452 |
| Loan loss allowance to noncurrent loans | 330.0613% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 6,691 |
| Noncurrent loans to loans | 0.5718% | 5,655 |
| Net loans and leases to total assets | 37.7670% | 7,764 |
| Net loans and leases to deposits | 46.3945% | 7,770 |
| Net loans and leases to core deposits | 50.7595% | 7,869 |
| Total domestic deposits to total assets | 81.4041% | 4,461 |
| Equity capital to assets | 13.6454% | 1,556 |
| Core capital (leverage) ratio | 13.5090% | 1,386 |
| Tier 1 risk-based capital ratio | 26.0048% | 900 |
| Total risk-based capital ratio | 27.2574% | 881 |
| Memoranda: | ||
| Average total assets | $69,796,800 | 6,043 |
| Average earning assets | $62,953,200 | 6,052 |
| Average equity | $9,560,800 | 5,551 |
| Average total loans | $26,480,400 | 6,933 |