Home > The City National Bank of Colorado City > Performance and Condition Ratios
The City National Bank of Colorado City, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7528% | 454 |
| Cost of funding earning assets | 3.2010% | 205 |
| Net interest margin | 3.5518% | 2,182 |
| Noninterest income to average assets | 0.2800% | 3,001 |
| Noninterest expense to average assets | 2.6234% | 1,960 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 0.7740% | 2,914 |
| Return on assets (ROA) | 0.7740% | 2,918 |
| Pretax return on assets | 0.9826% | 2,763 |
| Return on Equity (ROE) | 7.4100% | 3,025 |
| Retained earnings to average equity (ytd only) | 5.1690% | 2,525 |
| Net charge-offs to loans | -0.0039% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 70.6415% | 1,742 |
| Assets per employee ($millions) | 7.2943% | 2,020 |
| Cash dividends to net income (ytd only)* | 30.2609% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 910 |
| Loan loss allowance to noncurrent loans | 326.5244% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 1,990 |
| Noncurrent loans to loans | 0.4739% | 1,932 |
| Net loans and leases to total assets | 68.3600% | 2,036 |
| Net loans and leases to deposits | 83.4902% | 1,734 |
| Net loans and leases to core deposits | 93.9254% | 1,769 |
| Total domestic deposits to total assets | 81.8800% | 3,334 |
| Equity capital to assets | 10.4435% | 1,951 |
| Core capital (leverage) ratio | 10.5603% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6399% | 804 |
| Memoranda: | ||
| Average total assets | $297,174,000 | 2,494 |
| Average earning assets | $287,289,500 | 2,435 |
| Average equity | $31,031,000 | 2,379 |
| Average total loans | $206,670,000 | 2,371 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8996% | 446 |
| Cost of funding earning assets | 3.4016% | 227 |
| Net interest margin | 3.4979% | 2,081 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.4500% | 2,448 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 0.9639% | 2,175 |
| Return on assets (ROA) | 0.9639% | 2,174 |
| Pretax return on assets | 1.2245% | 1,938 |
| Return on Equity (ROE) | 9.3400% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.3381% | 713 |
| Net charge-offs to loans | 0.0370% | 1,834 |
| Credit loss provision to net charge-offs | 402.7778% | 739 |
| Earnings coverage of net charge-offs (x) | 52.4583% | 1,189 |
| Efficiency ratio | 64.8782% | 2,618 |
| Assets per employee ($millions) | 7.2020% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 945 |
| Loan loss allowance to noncurrent loans | 508.2792% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 2,418 |
| Noncurrent loans to loans | 0.2995% | 2,373 |
| Net loans and leases to total assets | 68.6000% | 2,065 |
| Net loans and leases to deposits | 83.7965% | 1,799 |
| Net loans and leases to core deposits | 93.3989% | 1,885 |
| Total domestic deposits to total assets | 81.8600% | 3,264 |
| Equity capital to assets | 10.4405% | 1,861 |
| Core capital (leverage) ratio | 10.6635% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7671% | 792 |
| Memoranda: | ||
| Average total assets | $284,774,200 | 2,531 |
| Average earning assets | $275,133,200 | 2,480 |
| Average equity | $29,395,600 | 2,394 |
| Average total loans | $194,362,400 | 2,413 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9165% | 431 |
| Cost of funding earning assets | 3.4003% | 240 |
| Net interest margin | 3.5162% | 1,983 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.4705% | 2,344 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | 0.9598% | 2,183 |
| Return on assets (ROA) | 0.9598% | 2,189 |
| Pretax return on assets | 1.2145% | 1,947 |
| Return on Equity (ROE) | 9.3300% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.3257% | 1,021 |
| Net charge-offs to loans | 0.0515% | 1,388 |
| Credit loss provision to net charge-offs | 331.0811% | 809 |
| Earnings coverage of net charge-offs (x) | 38.0405% | 1,370 |
| Efficiency ratio | 65.0006% | 2,589 |
| Assets per employee ($millions) | 7.3015% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 918 |
| Loan loss allowance to noncurrent loans | 463.7594% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 2,312 |
| Noncurrent loans to loans | 0.3373% | 2,263 |
| Net loans and leases to total assets | 68.1600% | 2,068 |
| Net loans and leases to deposits | 83.8878% | 1,827 |
| Net loans and leases to core deposits | 94.2461% | 1,862 |
| Total domestic deposits to total assets | 81.2500% | 3,253 |
| Equity capital to assets | 10.5778% | 1,941 |
| Core capital (leverage) ratio | 10.7549% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1697% | 771 |
| Memoranda: | ||
| Average total assets | $282,147,250 | 2,539 |
| Average earning assets | $272,519,500 | 2,486 |
| Average equity | $29,037,250 | 2,408 |
| Average total loans | $191,531,000 | 2,419 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8428% | 438 |
| Cost of funding earning assets | 3.3967% | 217 |
| Net interest margin | 3.4460% | 2,083 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.4858% | 2,286 |
| Loan and lease loss provision to assets | 0.1500% | 771 |
| Net operating income to assets | 0.8419% | 2,486 |
| Return on assets (ROA) | 0.8419% | 2,504 |
| Pretax return on assets | 1.0616% | 2,306 |
| Return on Equity (ROE) | 8.2600% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.2578% | 1,297 |
| Net charge-offs to loans | 0.0833% | 969 |
| Credit loss provision to net charge-offs | 265.8228% | 862 |
| Earnings coverage of net charge-offs (x) | 21.5570% | 1,592 |
| Efficiency ratio | 67.2437% | 2,409 |
| Assets per employee ($millions) | 7.1565% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 809 |
| Loan loss allowance to noncurrent loans | 514.0203% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 2,344 |
| Noncurrent loans to loans | 0.3160% | 2,245 |
| Net loans and leases to total assets | 66.0300% | 2,345 |
| Net loans and leases to deposits | 81.3218% | 2,085 |
| Net loans and leases to core deposits | 90.1559% | 2,138 |
| Total domestic deposits to total assets | 81.1900% | 3,241 |
| Equity capital to assets | 10.4875% | 1,808 |
| Core capital (leverage) ratio | 10.3763% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4056% | 736 |
| Memoranda: | ||
| Average total assets | $281,277,333 | 2,543 |
| Average earning assets | $271,907,333 | 2,488 |
| Average equity | $28,676,000 | 2,407 |
| Average total loans | $189,652,667 | 2,434 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7467% | 446 |
| Cost of funding earning assets | 3.3565% | 212 |
| Net interest margin | 3.3902% | 2,130 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.4054% | 2,501 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.8301% | 2,451 |
| Return on assets (ROA) | 0.8301% | 2,462 |
| Pretax return on assets | 1.0398% | 2,282 |
| Return on Equity (ROE) | 8.2600% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.2598% | 1,487 |
| Net charge-offs to loans | 0.1698% | 511 |
| Credit loss provision to net charge-offs | 185.1852% | 845 |
| Earnings coverage of net charge-offs (x) | 10.9136% | 1,610 |
| Efficiency ratio | 65.7630% | 2,618 |
| Assets per employee ($millions) | 7.3168% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 920 |
| Loan loss allowance to noncurrent loans | 568.0000% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 2,439 |
| Noncurrent loans to loans | 0.2755% | 2,325 |
| Net loans and leases to total assets | 65.7300% | 2,263 |
| Net loans and leases to deposits | 83.2909% | 1,771 |
| Net loans and leases to core deposits | 92.0363% | 1,914 |
| Total domestic deposits to total assets | 78.9200% | 3,687 |
| Equity capital to assets | 10.0468% | 1,992 |
| Core capital (leverage) ratio | 10.1592% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6194% | 842 |
| Memoranda: | ||
| Average total assets | $282,363,500 | 2,545 |
| Average earning assets | $273,139,000 | 2,493 |
| Average equity | $28,378,500 | 2,428 |
| Average total loans | $190,815,000 | 2,418 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2596% | 456 |
| Cost of funding earning assets | 2.5407% | 338 |
| Net interest margin | 3.7189% | 1,721 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.3298% | 2,771 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.1653% | 1,739 |
| Return on assets (ROA) | 1.1653% | 1,715 |
| Pretax return on assets | 1.4726% | 1,484 |
| Return on Equity (ROE) | 11.3500% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.4685% | 1,139 |
| Net charge-offs to loans | 0.0571% | 1,286 |
| Credit loss provision to net charge-offs | 480.1980% | 697 |
| Earnings coverage of net charge-offs (x) | 42.7129% | 1,404 |
| Efficiency ratio | 58.3108% | 3,262 |
| Assets per employee ($millions) | 7.9821% | 1,448 |
| Cash dividends to net income (ytd only)* | 16.5673% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 987 |
| Loan loss allowance to noncurrent loans | 288.1306% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 1,518 |
| Noncurrent loans to loans | 0.5291% | 1,466 |
| Net loans and leases to total assets | 67.3500% | 2,113 |
| Net loans and leases to deposits | 85.5209% | 1,647 |
| Net loans and leases to core deposits | 94.9336% | 1,714 |
| Total domestic deposits to total assets | 78.7600% | 3,642 |
| Equity capital to assets | 10.0540% | 1,975 |
| Core capital (leverage) ratio | 10.2662% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2309% | 875 |
| Memoranda: | ||
| Average total assets | $258,997,000 | 2,625 |
| Average earning assets | $250,719,400 | 2,572 |
| Average equity | $26,593,400 | 2,426 |
| Average total loans | $176,824,400 | 2,473 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9503% | 568 |
| Cost of funding earning assets | 2.2322% | 467 |
| Net interest margin | 3.7182% | 1,741 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.3384% | 2,682 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.1652% | 1,890 |
| Return on assets (ROA) | 1.1652% | 1,871 |
| Pretax return on assets | 1.4703% | 1,631 |
| Return on Equity (ROE) | 11.2800% | 2,304 |
| Retained earnings to average equity (ytd only) | 11.2838% | 1,109 |
| Net charge-offs to loans | 0.0793% | 927 |
| Credit loss provision to net charge-offs | 388.3495% | 734 |
| Earnings coverage of net charge-offs (x) | 31.0680% | 1,576 |
| Efficiency ratio | 58.1863% | 3,184 |
| Assets per employee ($millions) | 7.9793% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 1,065 |
| Loan loss allowance to noncurrent loans | 488.9273% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 2,195 |
| Noncurrent loans to loans | 0.3105% | 2,124 |
| Net loans and leases to total assets | 67.5600% | 2,097 |
| Net loans and leases to deposits | 86.1275% | 1,556 |
| Net loans and leases to core deposits | 96.4366% | 1,534 |
| Total domestic deposits to total assets | 78.4500% | 3,768 |
| Equity capital to assets | 10.0518% | 1,806 |
| Core capital (leverage) ratio | 10.1738% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2656% | 908 |
| Memoranda: | ||
| Average total assets | $253,903,250 | 2,666 |
| Average earning assets | $245,850,750 | 2,602 |
| Average equity | $26,219,750 | 2,434 |
| Average total loans | $173,261,250 | 2,504 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7605% | 584 |
| Cost of funding earning assets | 1.7228% | 858 |
| Net interest margin | 4.0377% | 1,183 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.3587% | 2,621 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.3123% | 1,539 |
| Return on assets (ROA) | 1.3123% | 1,524 |
| Pretax return on assets | 1.6566% | 1,304 |
| Return on Equity (ROE) | 12.5900% | 1,989 |
| Retained earnings to average equity (ytd only) | 12.5862% | 872 |
| Net charge-offs to loans | 0.1290% | 572 |
| Credit loss provision to net charge-offs | 325.6881% | 820 |
| Earnings coverage of net charge-offs (x) | 22.1101% | 1,706 |
| Efficiency ratio | 54.8351% | 3,546 |
| Assets per employee ($millions) | 8.2409% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,036 |
| Loan loss allowance to noncurrent loans | 467.9595% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 2,062 |
| Noncurrent loans to loans | 0.3310% | 1,942 |
| Net loans and leases to total assets | 66.8800% | 2,068 |
| Net loans and leases to deposits | 85.6313% | 1,531 |
| Net loans and leases to core deposits | 95.3335% | 1,507 |
| Total domestic deposits to total assets | 78.1000% | 3,838 |
| Equity capital to assets | 10.1180% | 1,788 |
| Core capital (leverage) ratio | 10.7735% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5752% | 869 |
| Memoranda: | ||
| Average total assets | $248,105,667 | 2,698 |
| Average earning assets | $240,187,333 | 2,636 |
| Average equity | $25,869,667 | 2,469 |
| Average total loans | $168,973,000 | 2,531 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6533% | 480 |
| Cost of funding earning assets | 1.4679% | 901 |
| Net interest margin | 4.1854% | 972 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.4303% | 2,441 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.3966% | 1,418 |
| Return on assets (ROA) | 1.3966% | 1,394 |
| Pretax return on assets | 1.7644% | 1,141 |
| Return on Equity (ROE) | 13.1800% | 1,949 |
| Retained earnings to average equity (ytd only) | 13.1796% | 1,059 |
| Net charge-offs to loans | 0.2929% | 268 |
| Credit loss provision to net charge-offs | 129.1667% | 1,008 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 1,667 |
| Efficiency ratio | 54.5794% | 3,547 |
| Assets per employee ($millions) | 8.1291% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 1,266 |
| Loan loss allowance to noncurrent loans | 398.7558% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 1,404 |
| Noncurrent loans to loans | 0.3757% | 1,805 |
| Net loans and leases to total assets | 69.1300% | 1,715 |
| Net loans and leases to deposits | 77.7949% | 1,981 |
| Net loans and leases to core deposits | 83.5132% | 2,023 |
| Total domestic deposits to total assets | 88.8600% | 1,595 |
| Equity capital to assets | 10.6186% | 1,503 |
| Core capital (leverage) ratio | 10.9795% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0084% | 843 |
| Memoranda: | ||
| Average total assets | $240,304,000 | 2,792 |
| Average earning assets | $232,712,500 | 2,721 |
| Average equity | $25,463,500 | 2,520 |
| Average total loans | $163,888,500 | 2,596 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 1,226 |
| Cost of funding earning assets | 0.6882% | 616 |
| Net interest margin | 3.5201% | 1,867 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3653% | 2,531 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1093% | 2,131 |
| Return on assets (ROA) | 1.1093% | 2,067 |
| Pretax return on assets | 1.3991% | 1,770 |
| Return on Equity (ROE) | 11.1300% | 2,431 |
| Retained earnings to average equity (ytd only) | 11.1333% | 856 |
| Net charge-offs to loans | 0.0282% | 1,497 |
| Credit loss provision to net charge-offs | 512.8205% | 669 |
| Earnings coverage of net charge-offs (x) | 87.5641% | 1,037 |
| Efficiency ratio | 61.4124% | 2,855 |
| Assets per employee ($millions) | 7.8911% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 949 |
| Loan loss allowance to noncurrent loans | 386.1069% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 1,772 |
| Noncurrent loans to loans | 0.4182% | 1,677 |
| Net loans and leases to total assets | 65.0900% | 2,130 |
| Net loans and leases to deposits | 73.0731% | 2,322 |
| Net loans and leases to core deposits | 78.7608% | 2,222 |
| Total domestic deposits to total assets | 89.0800% | 1,692 |
| Equity capital to assets | 10.5735% | 1,422 |
| Core capital (leverage) ratio | 10.5739% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7609% | 751 |
| Memoranda: | ||
| Average total assets | $229,783,000 | 2,845 |
| Average earning assets | $223,485,000 | 2,785 |
| Average equity | $22,895,200 | 2,708 |
| Average total loans | $138,116,800 | 2,749 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 1,449 |
| Cost of funding earning assets | 0.6329% | 367 |
| Net interest margin | 3.2817% | 2,351 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.3322% | 2,534 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9670% | 2,604 |
| Return on assets (ROA) | 0.9670% | 2,576 |
| Pretax return on assets | 1.2184% | 2,299 |
| Return on Equity (ROE) | 9.8600% | 2,774 |
| Retained earnings to average equity (ytd only) | 9.8621% | 1,392 |
| Net charge-offs to loans | 0.0270% | 1,285 |
| Credit loss provision to net charge-offs | 407.4074% | 694 |
| Earnings coverage of net charge-offs (x) | 81.2593% | 1,039 |
| Efficiency ratio | 64.5156% | 2,481 |
| Assets per employee ($millions) | 7.7691% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 961 |
| Loan loss allowance to noncurrent loans | 321.9512% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 1,655 |
| Noncurrent loans to loans | 0.5130% | 1,516 |
| Net loans and leases to total assets | 58.7400% | 2,623 |
| Net loans and leases to deposits | 65.6184% | 2,751 |
| Net loans and leases to core deposits | 70.5589% | 2,604 |
| Total domestic deposits to total assets | 89.5200% | 1,863 |
| Equity capital to assets | 10.0178% | 1,615 |
| Core capital (leverage) ratio | 10.4471% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7763% | 754 |
| Memoranda: | ||
| Average total assets | $228,045,250 | 2,875 |
| Average earning assets | $221,832,000 | 2,813 |
| Average equity | $22,361,250 | 2,789 |
| Average total loans | $133,491,250 | 2,797 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7510% | 1,420 |
| Cost of funding earning assets | 0.6091% | 253 |
| Net interest margin | 3.1419% | 2,396 |
| Noninterest income to average assets | 0.4075% | 2,706 |
| Noninterest expense to average assets | 2.3648% | 2,359 |
| Loan and lease loss provision to assets | 0.0804% | 1,215 |
| Net operating income to assets | 0.8088% | 2,920 |
| Return on assets (ROA) | 0.8088% | 2,891 |
| Pretax return on assets | 1.0189% | 2,658 |
| Return on Equity (ROE) | 8.3132% | 2,930 |
| Retained earnings to average equity (ytd only) | 8.3132% | 1,506 |
| Net charge-offs to loans | 0.0508% | 884 |
| Credit loss provision to net charge-offs | 272.7273% | 833 |
| Earnings coverage of net charge-offs (x) | 37.2727% | 1,294 |
| Efficiency ratio | 68.2663% | 2,201 |
| Assets per employee ($millions) | 7.2269% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 828 |
| Loan loss allowance to noncurrent loans | 331.4528% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 1,574 |
| Noncurrent loans to loans | 0.5398% | 1,534 |
| Net loans and leases to total assets | 57.5761% | 2,572 |
| Net loans and leases to deposits | 64.4225% | 2,680 |
| Net loans and leases to core deposits | 69.4267% | 2,527 |
| Total domestic deposits to total assets | 89.3726% | 2,012 |
| Equity capital to assets | 10.4440% | 1,461 |
| Core capital (leverage) ratio | 10.4621% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6993% | 643 |
| Memoranda: | ||
| Average total assets | $223,780,000 | 2,919 |
| Average earning assets | $217,699,333 | 2,867 |
| Average equity | $21,772,667 | 2,920 |
| Average total loans | $130,039,000 | 2,841 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 1,498 |
| Cost of funding earning assets | 0.5974% | 265 |
| Net interest margin | 3.0056% | 2,485 |
| Noninterest income to average assets | 0.3988% | 2,697 |
| Noninterest expense to average assets | 2.3769% | 2,241 |
| Loan and lease loss provision to assets | 0.0984% | 847 |
| Net operating income to assets | 0.6743% | 3,147 |
| Return on assets (ROA) | 0.6743% | 3,130 |
| Pretax return on assets | 0.8477% | 2,953 |
| Return on Equity (ROE) | 7.1947% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.1947% | 1,832 |
| Net charge-offs to loans | 0.0278% | 1,040 |
| Credit loss provision to net charge-offs | 611.1111% | 462 |
| Earnings coverage of net charge-offs (x) | 58.7778% | 859 |
| Efficiency ratio | 71.5285% | 2,039 |
| Assets per employee ($millions) | 7.3910% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 839 |
| Loan loss allowance to noncurrent loans | 324.8611% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 1,607 |
| Noncurrent loans to loans | 0.5623% | 1,632 |
| Net loans and leases to total assets | 54.8621% | 2,649 |
| Net loans and leases to deposits | 61.0449% | 2,804 |
| Net loans and leases to core deposits | 65.6363% | 2,664 |
| Total domestic deposits to total assets | 89.8717% | 1,644 |
| Equity capital to assets | 9.9930% | 1,892 |
| Core capital (leverage) ratio | 10.2551% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9724% | 760 |
| Memoranda: | ||
| Average total assets | $223,653,000 | 2,934 |
| Average earning assets | $217,595,000 | 2,878 |
| Average equity | $20,960,000 | 3,059 |
| Average total loans | $129,388,500 | 2,856 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 472 |
| Cost of funding earning assets | 0.6199% | 498 |
| Net interest margin | 4.0096% | 696 |
| Noninterest income to average assets | 0.5431% | 2,385 |
| Noninterest expense to average assets | 2.7407% | 1,512 |
| Loan and lease loss provision to assets | 0.2815% | 299 |
| Net operating income to assets | 1.1144% | 2,227 |
| Return on assets (ROA) | 1.2849% | 1,701 |
| Pretax return on assets | 1.6174% | 1,378 |
| Return on Equity (ROE) | 13.8786% | 1,222 |
| Retained earnings to average equity (ytd only) | 13.8786% | 318 |
| Net charge-offs to loans | 0.2454% | 378 |
| Credit loss provision to net charge-offs | 165.6442% | 1,432 |
| Earnings coverage of net charge-offs (x) | 9.9049% | 2,238 |
| Efficiency ratio | 61.9536% | 2,877 |
| Assets per employee ($millions) | 7.5237% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8113% | 846 |
| Loan loss allowance to noncurrent loans | 295.2618% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 1,476 |
| Noncurrent loans to loans | 0.6134% | 1,612 |
| Net loans and leases to total assets | 58.8351% | 2,290 |
| Net loans and leases to deposits | 64.4930% | 2,642 |
| Net loans and leases to core deposits | 69.6350% | 2,486 |
| Total domestic deposits to total assets | 91.2272% | 412 |
| Equity capital to assets | 8.7192% | 3,869 |
| Core capital (leverage) ratio | 9.2704% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0212% | 1,260 |
| Memoranda: | ||
| Average total assets | $191,850,200 | 3,119 |
| Average earning assets | $185,678,600 | 3,056 |
| Average equity | $17,761,200 | 3,410 |
| Average total loans | $132,869,600 | 2,817 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 403 |
| Cost of funding earning assets | 0.6336% | 533 |
| Net interest margin | 4.1778% | 567 |
| Noninterest income to average assets | 0.6427% | 2,043 |
| Noninterest expense to average assets | 2.7995% | 1,341 |
| Loan and lease loss provision to assets | 0.3276% | 229 |
| Net operating income to assets | 1.2335% | 2,048 |
| Return on assets (ROA) | 1.4688% | 1,391 |
| Pretax return on assets | 1.8517% | 1,045 |
| Return on Equity (ROE) | 15.5987% | 1,021 |
| Retained earnings to average equity (ytd only) | 15.5987% | 329 |
| Net charge-offs to loans | 0.3488% | 224 |
| Credit loss provision to net charge-offs | 130.3725% | 1,418 |
| Earnings coverage of net charge-offs (x) | 7.4900% | 2,133 |
| Efficiency ratio | 59.8093% | 3,003 |
| Assets per employee ($millions) | 6.8139% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 1,138 |
| Loan loss allowance to noncurrent loans | 271.6346% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 1,315 |
| Noncurrent loans to loans | 0.6199% | 1,760 |
| Net loans and leases to total assets | 66.7822% | 1,455 |
| Net loans and leases to deposits | 73.8011% | 1,878 |
| Net loans and leases to core deposits | 80.2104% | 1,710 |
| Total domestic deposits to total assets | 90.4895% | 570 |
| Equity capital to assets | 9.4134% | 3,456 |
| Core capital (leverage) ratio | 9.7035% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6266% | 1,448 |
| Memoranda: | ||
| Average total assets | $185,266,250 | 3,202 |
| Average earning assets | $179,070,750 | 3,141 |
| Average equity | $17,445,500 | 3,476 |
| Average total loans | $133,402,500 | 2,840 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 453 |
| Cost of funding earning assets | 0.6366% | 615 |
| Net interest margin | 4.1888% | 594 |
| Noninterest income to average assets | 0.5752% | 2,316 |
| Noninterest expense to average assets | 2.8749% | 1,193 |
| Loan and lease loss provision to assets | 0.2484% | 398 |
| Net operating income to assets | 1.1899% | 2,226 |
| Return on assets (ROA) | 1.1846% | 2,308 |
| Pretax return on assets | 1.4915% | 2,041 |
| Return on Equity (ROE) | 12.5789% | 1,861 |
| Retained earnings to average equity (ytd only) | 12.5789% | 796 |
| Net charge-offs to loans | 0.4086% | 205 |
| Credit loss provision to net charge-offs | 82.7206% | 1,478 |
| Earnings coverage of net charge-offs (x) | 5.8162% | 1,978 |
| Efficiency ratio | 62.2074% | 2,698 |
| Assets per employee ($millions) | 5.9293% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,565 |
| Loan loss allowance to noncurrent loans | 230.5252% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 1,422 |
| Noncurrent loans to loans | 0.6542% | 1,782 |
| Net loans and leases to total assets | 72.5254% | 904 |
| Net loans and leases to deposits | 81.7097% | 1,258 |
| Net loans and leases to core deposits | 90.2768% | 1,124 |
| Total domestic deposits to total assets | 88.7598% | 1,410 |
| Equity capital to assets | 9.2933% | 3,514 |
| Core capital (leverage) ratio | 9.3864% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8106% | 1,689 |
| Memoranda: | ||
| Average total assets | $181,154,333 | 3,245 |
| Average earning assets | $174,990,000 | 3,176 |
| Average equity | $17,060,333 | 3,505 |
| Average total loans | $133,129,000 | 2,861 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 465 |
| Cost of funding earning assets | 0.6445% | 719 |
| Net interest margin | 4.1901% | 612 |
| Noninterest income to average assets | 0.6016% | 2,204 |
| Noninterest expense to average assets | 2.9311% | 1,111 |
| Loan and lease loss provision to assets | 0.2035% | 595 |
| Net operating income to assets | 1.2027% | 2,131 |
| Return on assets (ROA) | 1.1919% | 2,249 |
| Pretax return on assets | 1.4972% | 1,999 |
| Return on Equity (ROE) | 12.5671% | 1,806 |
| Retained earnings to average equity (ytd only) | 12.5671% | 1,012 |
| Net charge-offs to loans | 0.4744% | 177 |
| Credit loss provision to net charge-offs | 58.4416% | 1,281 |
| Earnings coverage of net charge-offs (x) | 4.9221% | 1,702 |
| Efficiency ratio | 63.0964% | 2,597 |
| Assets per employee ($millions) | 5.4606% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 1,400 |
| Loan loss allowance to noncurrent loans | 165.0869% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 1,082 |
| Noncurrent loans to loans | 0.9438% | 1,434 |
| Net loans and leases to total assets | 73.2819% | 876 |
| Net loans and leases to deposits | 82.3310% | 1,314 |
| Net loans and leases to core deposits | 90.1817% | 1,222 |
| Total domestic deposits to total assets | 89.0089% | 1,339 |
| Equity capital to assets | 9.4822% | 3,221 |
| Core capital (leverage) ratio | 9.6494% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1754% | 1,515 |
| Memoranda: | ||
| Average total assets | $176,862,000 | 3,269 |
| Average earning assets | $170,688,000 | 3,204 |
| Average equity | $16,774,000 | 3,531 |
| Average total loans | $129,835,500 | 2,903 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 337 |
| Cost of funding earning assets | 0.6594% | 1,935 |
| Net interest margin | 4.5484% | 297 |
| Noninterest income to average assets | 0.6530% | 2,015 |
| Noninterest expense to average assets | 3.0320% | 1,372 |
| Loan and lease loss provision to assets | 0.5743% | 368 |
| Net operating income to assets | 1.2797% | 1,307 |
| Return on assets (ROA) | 1.5252% | 822 |
| Pretax return on assets | 1.7185% | 823 |
| Return on Equity (ROE) | 18.5202% | 302 |
| Retained earnings to average equity (ytd only) | 18.5202% | 79 |
| Net charge-offs to loans | 0.1694% | 983 |
| Credit loss provision to net charge-offs | 482.5397% | 1,281 |
| Earnings coverage of net charge-offs (x) | 16.9471% | 2,104 |
| Efficiency ratio | 60.0524% | 3,451 |
| Assets per employee ($millions) | 4.9578% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 1,004 |
| Loan loss allowance to noncurrent loans | 175.2644% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8276% | 1,231 |
| Noncurrent loans to loans | 0.9791% | 1,444 |
| Net loans and leases to total assets | 71.0985% | 1,412 |
| Net loans and leases to deposits | 79.8639% | 1,878 |
| Net loans and leases to core deposits | 89.7493% | 1,545 |
| Total domestic deposits to total assets | 89.0246% | 976 |
| Equity capital to assets | 9.4863% | 3,625 |
| Core capital (leverage) ratio | 9.5325% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6489% | 1,364 |
| Memoranda: | ||
| Average total assets | $158,803,800 | 3,300 |
| Average earning assets | $153,482,400 | 3,230 |
| Average equity | $13,077,600 | 3,857 |
| Average total loans | $111,567,200 | 3,077 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 451 |
| Cost of funding earning assets | 0.6560% | 2,293 |
| Net interest margin | 4.4969% | 378 |
| Noninterest income to average assets | 0.6627% | 1,935 |
| Noninterest expense to average assets | 3.0306% | 1,375 |
| Loan and lease loss provision to assets | 0.4790% | 638 |
| Net operating income to assets | 1.3981% | 1,104 |
| Return on assets (ROA) | 1.7482% | 577 |
| Pretax return on assets | 1.8780% | 666 |
| Return on Equity (ROE) | 22.1713% | 172 |
| Retained earnings to average equity (ytd only) | 22.1713% | 62 |
| Net charge-offs to loans | 0.2073% | 737 |
| Credit loss provision to net charge-offs | 331.5476% | 1,663 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 2,184 |
| Efficiency ratio | 60.4803% | 3,315 |
| Assets per employee ($millions) | 4.8614% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,333 |
| Loan loss allowance to noncurrent loans | 154.1067% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 1,413 |
| Noncurrent loans to loans | 0.9846% | 1,522 |
| Net loans and leases to total assets | 69.4270% | 2,039 |
| Net loans and leases to deposits | 77.7406% | 2,556 |
| Net loans and leases to core deposits | 86.0272% | 2,298 |
| Total domestic deposits to total assets | 89.3059% | 645 |
| Equity capital to assets | 7.6603% | 4,820 |
| Core capital (leverage) ratio | 8.0063% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6957% | 2,326 |
| Memoranda: | ||
| Average total assets | $155,123,750 | 3,315 |
| Average earning assets | $149,995,250 | 3,242 |
| Average equity | $12,231,750 | 3,956 |
| Average total loans | $108,077,250 | 3,127 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9446% | 901 |
| Cost of funding earning assets | 0.6718% | 2,545 |
| Net interest margin | 4.2728% | 798 |
| Noninterest income to average assets | 0.6955% | 1,751 |
| Noninterest expense to average assets | 3.0204% | 1,524 |
| Loan and lease loss provision to assets | 0.4090% | 979 |
| Net operating income to assets | 1.4069% | 1,100 |
| Return on assets (ROA) | 2.0051% | 368 |
| Pretax return on assets | 1.9998% | 544 |
| Return on Equity (ROE) | 25.1581% | 113 |
| Retained earnings to average equity (ytd only) | 25.1581% | 51 |
| Net charge-offs to loans | 0.1959% | 786 |
| Credit loss provision to net charge-offs | 300.9804% | 1,616 |
| Earnings coverage of net charge-offs (x) | 13.3235% | 2,003 |
| Efficiency ratio | 62.5207% | 3,043 |
| Assets per employee ($millions) | 5.0799% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 1,376 |
| Loan loss allowance to noncurrent loans | 119.5033% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 1,107 |
| Noncurrent loans to loans | 1.2232% | 1,281 |
| Net loans and leases to total assets | 67.8414% | 2,384 |
| Net loans and leases to deposits | 73.6872% | 3,107 |
| Net loans and leases to core deposits | 80.8761% | 2,882 |
| Total domestic deposits to total assets | 92.0668% | 49 |
| Equity capital to assets | 7.6878% | 4,834 |
| Core capital (leverage) ratio | 7.9395% | 4,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8239% | 2,254 |
| Memoranda: | ||
| Average total assets | $150,115,000 | 3,358 |
| Average earning assets | $145,290,000 | 3,273 |
| Average equity | $11,964,333 | 3,989 |
| Average total loans | $104,119,667 | 3,177 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2700% | 586 |
| Cost of funding earning assets | 0.7369% | 2,747 |
| Net interest margin | 4.5331% | 468 |
| Noninterest income to average assets | 0.7506% | 1,466 |
| Noninterest expense to average assets | 3.1801% | 1,468 |
| Loan and lease loss provision to assets | 0.4170% | 728 |
| Net operating income to assets | 1.7429% | 465 |
| Return on assets (ROA) | 2.6214% | 97 |
| Pretax return on assets | 2.4268% | 189 |
| Return on Equity (ROE) | 32.2448% | 29 |
| Retained earnings to average equity (ytd only) | 32.2448% | 13 |
| Net charge-offs to loans | 0.3233% | 451 |
| Credit loss provision to net charge-offs | 185.1852% | 1,462 |
| Earnings coverage of net charge-offs (x) | 8.7284% | 1,852 |
| Efficiency ratio | 61.8044% | 3,520 |
| Assets per employee ($millions) | 4.9733% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 1,635 |
| Loan loss allowance to noncurrent loans | 142.0455% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 1,429 |
| Noncurrent loans to loans | 0.9989% | 1,655 |
| Net loans and leases to total assets | 69.8477% | 2,275 |
| Net loans and leases to deposits | 76.1973% | 3,053 |
| Net loans and leases to core deposits | 82.3329% | 2,993 |
| Total domestic deposits to total assets | 91.6668% | 60 |
| Equity capital to assets | 8.1019% | 4,948 |
| Core capital (leverage) ratio | 8.2768% | 4,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4713% | 2,490 |
| Memoranda: | ||
| Average total assets | $143,894,000 | 3,412 |
| Average earning assets | $139,506,000 | 3,314 |
| Average equity | $11,698,000 | 4,036 |
| Average total loans | $100,221,000 | 3,223 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 1,694 |
| Cost of funding earning assets | 0.7020% | 3,152 |
| Net interest margin | 4.2192% | 1,283 |
| Noninterest income to average assets | 0.8056% | 1,435 |
| Noninterest expense to average assets | 3.0207% | 1,964 |
| Loan and lease loss provision to assets | 0.8615% | 119 |
| Net operating income to assets | 1.0202% | 2,769 |
| Return on assets (ROA) | 0.9930% | 2,955 |
| Pretax return on assets | 0.9930% | 3,475 |
| Return on Equity (ROE) | 11.0420% | 1,868 |
| Retained earnings to average equity (ytd only) | -16.6891% | 5,125 |
| Net charge-offs to loans | 0.3599% | 554 |
| Credit loss provision to net charge-offs | 450.5929% | 646 |
| Earnings coverage of net charge-offs (x) | 9.8419% | 2,627 |
| Efficiency ratio | 61.6155% | 3,435 |
| Assets per employee ($millions) | 4.4706% | 3,274 |
| Cash dividends to net income (ytd only)* | 251.1416% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 1,193 |
| Loan loss allowance to noncurrent loans | 166.5891% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 1,653 |
| Noncurrent loans to loans | 0.9068% | 1,692 |
| Net loans and leases to total assets | 67.3206% | 2,786 |
| Net loans and leases to deposits | 73.3512% | 3,405 |
| Net loans and leases to core deposits | 79.6522% | 3,324 |
| Total domestic deposits to total assets | 91.7786% | 52 |
| Equity capital to assets | 8.1594% | 5,023 |
| Core capital (leverage) ratio | 8.0269% | 5,029 |
| Tier 1 risk-based capital ratio | 11.9044% | 4,419 |
| Total risk-based capital ratio | 13.1579% | 4,287 |
| Memoranda: | ||
| Average total assets | $132,321,800 | 3,535 |
| Average earning assets | $128,484,200 | 3,454 |
| Average equity | $11,900,000 | 4,006 |
| Average total loans | $70,297,800 | 3,773 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 2,088 |
| Cost of funding earning assets | 0.7046% | 3,196 |
| Net interest margin | 4.1039% | 1,602 |
| Noninterest income to average assets | 0.8086% | 1,393 |
| Noninterest expense to average assets | 2.9653% | 2,068 |
| Loan and lease loss provision to assets | 0.8311% | 125 |
| Net operating income to assets | 0.9973% | 2,994 |
| Return on assets (ROA) | 0.9657% | 3,178 |
| Pretax return on assets | 0.9657% | 3,698 |
| Return on Equity (ROE) | 10.4801% | 2,222 |
| Retained earnings to average equity (ytd only) | -5.0131% | 5,063 |
| Net charge-offs to loans | 0.2804% | 626 |
| Credit loss provision to net charge-offs | 603.7037% | 536 |
| Earnings coverage of net charge-offs (x) | 13.2812% | 2,305 |
| Efficiency ratio | 61.8592% | 3,344 |
| Assets per employee ($millions) | 4.3596% | 3,399 |
| Cash dividends to net income (ytd only)* | 147.8347% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,384 |
| Loan loss allowance to noncurrent loans | 153.7688% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 1,818 |
| Noncurrent loans to loans | 0.9456% | 1,701 |
| Net loans and leases to total assets | 61.3784% | 3,553 |
| Net loans and leases to deposits | 67.7782% | 3,935 |
| Net loans and leases to core deposits | 73.8228% | 3,841 |
| Total domestic deposits to total assets | 90.5577% | 162 |
| Equity capital to assets | 9.3409% | 4,569 |
| Core capital (leverage) ratio | 9.5732% | 4,086 |
| Tier 1 risk-based capital ratio | 14.3836% | 3,142 |
| Total risk-based capital ratio | 15.6340% | 3,046 |
| Memoranda: | ||
| Average total assets | $130,755,000 | 3,592 |
| Average earning assets | $126,965,500 | 3,508 |
| Average equity | $12,048,000 | 4,030 |
| Average total loans | $64,189,750 | 3,945 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 2,640 |
| Cost of funding earning assets | 0.7212% | 3,041 |
| Net interest margin | 3.8908% | 2,266 |
| Noninterest income to average assets | 0.8044% | 1,333 |
| Noninterest expense to average assets | 2.9329% | 2,187 |
| Loan and lease loss provision to assets | 0.8585% | 113 |
| Net operating income to assets | 0.7936% | 3,680 |
| Return on assets (ROA) | 0.7410% | 3,927 |
| Pretax return on assets | 0.7410% | 4,237 |
| Return on Equity (ROE) | 8.0803% | 3,259 |
| Retained earnings to average equity (ytd only) | -9.6323% | 5,171 |
| Net charge-offs to loans | 0.6466% | 237 |
| Credit loss provision to net charge-offs | 298.3871% | 909 |
| Earnings coverage of net charge-offs (x) | 5.7419% | 2,623 |
| Efficiency ratio | 63.9676% | 3,139 |
| Assets per employee ($millions) | 4.5080% | 3,131 |
| Cash dividends to net income (ytd only)* | 219.2067% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 1,908 |
| Loan loss allowance to noncurrent loans | 130.2425% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 2,277 |
| Noncurrent loans to loans | 1.0164% | 1,615 |
| Net loans and leases to total assets | 52.0580% | 4,347 |
| Net loans and leases to deposits | 57.5433% | 4,535 |
| Net loans and leases to core deposits | 62.6965% | 4,471 |
| Total domestic deposits to total assets | 90.4676% | 199 |
| Equity capital to assets | 9.4391% | 4,462 |
| Core capital (leverage) ratio | 9.5738% | 4,078 |
| Tier 1 risk-based capital ratio | 15.3591% | 2,675 |
| Total risk-based capital ratio | 16.4829% | 2,676 |
| Memoranda: | ||
| Average total assets | $129,291,000 | 3,627 |
| Average earning assets | $125,630,330 | 3,540 |
| Average equity | $11,856,000 | 4,066 |
| Average total loans | $57,528,000 | 4,097 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4123% | 3,180 |
| Cost of funding earning assets | 0.7231% | 2,926 |
| Net interest margin | 3.6892% | 2,937 |
| Noninterest income to average assets | 0.7436% | 1,448 |
| Noninterest expense to average assets | 2.9183% | 2,227 |
| Loan and lease loss provision to assets | 1.4000% | 58 |
| Net operating income to assets | 0.0124% | 5,138 |
| Return on assets (ROA) | 0.0124% | 5,142 |
| Pretax return on assets | 0.0124% | 5,136 |
| Return on Equity (ROE) | 0.1378% | 5,139 |
| Retained earnings to average equity (ytd only) | -17.9439% | 5,240 |
| Net charge-offs to loans | 0.0463% | 1,612 |
| Credit loss provision to net charge-offs | 7,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 75.6667% | 795 |
| Efficiency ratio | 67.3851% | 2,727 |
| Assets per employee ($millions) | 4.5472% | 3,121 |
| Cash dividends to net income (ytd only)* | 13,125.0000% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 746 |
| Loan loss allowance to noncurrent loans | 170.0516% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,637 |
| Noncurrent loans to loans | 1.0404% | 1,605 |
| Net loans and leases to total assets | 41.6007% | 4,843 |
| Net loans and leases to deposits | 45.7776% | 4,936 |
| Net loans and leases to core deposits | 49.5874% | 4,902 |
| Total domestic deposits to total assets | 90.8757% | 197 |
| Equity capital to assets | 9.0431% | 4,649 |
| Core capital (leverage) ratio | 9.6306% | 3,996 |
| Tier 1 risk-based capital ratio | 16.7435% | 2,191 |
| Total risk-based capital ratio | 17.9945% | 2,139 |
| Memoranda: | ||
| Average total assets | $128,570,000 | 3,675 |
| Average earning assets | $125,013,500 | 3,582 |
| Average equity | $11,614,000 | 4,114 |
| Average total loans | $51,807,000 | 4,267 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 3,762 |
| Cost of funding earning assets | 0.5950% | 2,760 |
| Net interest margin | 3.4990% | 3,708 |
| Noninterest income to average assets | 0.8680% | 1,271 |
| Noninterest expense to average assets | 2.3881% | 3,914 |
| Loan and lease loss provision to assets | 0.2239% | 798 |
| Net operating income to assets | 1.6543% | 764 |
| Return on assets (ROA) | 1.6543% | 761 |
| Pretax return on assets | 1.6543% | 1,299 |
| Return on Equity (ROE) | 18.3983% | 355 |
| Retained earnings to average equity (ytd only) | 6.8039% | 1,753 |
| Net charge-offs to loans | 0.8128% | 186 |
| Credit loss provision to net charge-offs | 69.0773% | 3,003 |
| Earnings coverage of net charge-offs (x) | 5.7955% | 3,151 |
| Efficiency ratio | 55.9765% | 4,413 |
| Assets per employee ($millions) | 5.4466% | 2,009 |
| Cash dividends to net income (ytd only)* | 63.0191% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 2,880 |
| Loan loss allowance to noncurrent loans | 122.2472% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 2,881 |
| Noncurrent loans to loans | 0.9316% | 1,726 |
| Net loans and leases to total assets | 37.6972% | 5,024 |
| Net loans and leases to deposits | 41.4595% | 5,094 |
| Net loans and leases to core deposits | 43.7243% | 5,080 |
| Total domestic deposits to total assets | 90.9253% | 223 |
| Equity capital to assets | 9.0228% | 4,559 |
| Core capital (leverage) ratio | 10.4989% | 3,028 |
| Tier 1 risk-based capital ratio | 18.7484% | 1,559 |
| Total risk-based capital ratio | 19.5299% | 1,626 |
| Memoranda: | ||
| Average total assets | $123,738,600 | 3,734 |
| Average earning assets | $120,175,800 | 3,641 |
| Average equity | $11,126,000 | 4,141 |
| Average total loans | $49,337,400 | 4,331 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 3,734 |
| Cost of funding earning assets | 0.5820% | 2,617 |
| Net interest margin | 3.4853% | 3,743 |
| Noninterest income to average assets | 0.8820% | 1,248 |
| Noninterest expense to average assets | 2.3066% | 4,082 |
| Loan and lease loss provision to assets | 0.2454% | 645 |
| Net operating income to assets | 1.7153% | 716 |
| Return on assets (ROA) | 1.7153% | 720 |
| Pretax return on assets | 1.7153% | 1,235 |
| Return on Equity (ROE) | 19.0940% | 333 |
| Retained earnings to average equity (ytd only) | 7.7844% | 1,755 |
| Net charge-offs to loans | 0.2198% | 774 |
| Credit loss provision to net charge-offs | 276.8293% | 1,087 |
| Earnings coverage of net charge-offs (x) | 22.1221% | 1,895 |
| Efficiency ratio | 54.0527% | 4,611 |
| Assets per employee ($millions) | 5.3667% | 2,060 |
| Cash dividends to net income (ytd only)* | 59.2311% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 950 |
| Loan loss allowance to noncurrent loans | 71.1286% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9535% | 1,536 |
| Noncurrent loans to loans | 2.3293% | 582 |
| Net loans and leases to total assets | 39.0962% | 5,049 |
| Net loans and leases to deposits | 42.8773% | 5,131 |
| Net loans and leases to core deposits | 44.5246% | 5,154 |
| Total domestic deposits to total assets | 91.1815% | 183 |
| Equity capital to assets | 8.7318% | 4,772 |
| Core capital (leverage) ratio | 10.6233% | 2,962 |
| Tier 1 risk-based capital ratio | 18.3369% | 1,713 |
| Total risk-based capital ratio | 19.4783% | 1,690 |
| Memoranda: | ||
| Average total assets | $123,355,250 | 3,777 |
| Average earning assets | $119,813,750 | 3,683 |
| Average equity | $11,081,750 | 4,188 |
| Average total loans | $49,729,750 | 4,369 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 3,702 |
| Cost of funding earning assets | 0.5727% | 2,411 |
| Net interest margin | 3.4544% | 3,787 |
| Noninterest income to average assets | 0.8757% | 1,252 |
| Noninterest expense to average assets | 2.3287% | 4,081 |
| Loan and lease loss provision to assets | 0.3681% | 344 |
| Net operating income to assets | 1.5341% | 1,068 |
| Return on assets (ROA) | 1.5341% | 1,072 |
| Pretax return on assets | 1.5341% | 1,698 |
| Return on Equity (ROE) | 16.9185% | 534 |
| Retained earnings to average equity (ytd only) | 8.3341% | 1,477 |
| Net charge-offs to loans | 0.1602% | 961 |
| Credit loss provision to net charge-offs | 567.5000% | 654 |
| Earnings coverage of net charge-offs (x) | 29.3250% | 1,525 |
| Efficiency ratio | 55.0402% | 4,577 |
| Assets per employee ($millions) | 5.1308% | 2,262 |
| Cash dividends to net income (ytd only)* | 50.7400% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 828 |
| Loan loss allowance to noncurrent loans | 54.1482% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 1,051 |
| Noncurrent loans to loans | 3.2257% | 326 |
| Net loans and leases to total assets | 39.0572% | 5,092 |
| Net loans and leases to deposits | 42.9144% | 5,172 |
| Net loans and leases to core deposits | 44.7774% | 5,180 |
| Total domestic deposits to total assets | 91.0119% | 245 |
| Equity capital to assets | 8.9191% | 4,619 |
| Core capital (leverage) ratio | 10.4039% | 3,136 |
| Tier 1 risk-based capital ratio | 18.8131% | 1,598 |
| Total risk-based capital ratio | 20.0619% | 1,556 |
| Memoranda: | ||
| Average total assets | $123,329,000 | 3,801 |
| Average earning assets | $119,787,670 | 3,717 |
| Average equity | $11,183,000 | 4,208 |
| Average total loans | $49,949,330 | 4,402 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 3,679 |
| Cost of funding earning assets | 0.5536% | 2,373 |
| Net interest margin | 3.4286% | 3,783 |
| Noninterest income to average assets | 0.9852% | 941 |
| Noninterest expense to average assets | 2.4112% | 3,914 |
| Loan and lease loss provision to assets | 0.3241% | 384 |
| Net operating income to assets | 1.5815% | 896 |
| Return on assets (ROA) | 1.5815% | 902 |
| Pretax return on assets | 1.5815% | 1,447 |
| Return on Equity (ROE) | 17.3004% | 482 |
| Retained earnings to average equity (ytd only) | 11.0963% | 876 |
| Net charge-offs to loans | 0.3330% | 458 |
| Credit loss provision to net charge-offs | 238.0952% | 941 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,727 |
| Efficiency ratio | 55.8559% | 4,600 |
| Assets per employee ($millions) | 5.6385% | 1,813 |
| Cash dividends to net income (ytd only)* | 35.8607% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 1,566 |
| Loan loss allowance to noncurrent loans | 65.1121% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 1,665 |
| Noncurrent loans to loans | 2.2652% | 648 |
| Net loans and leases to total assets | 39.0954% | 5,103 |
| Net loans and leases to deposits | 42.9002% | 5,190 |
| Net loans and leases to core deposits | 44.5376% | 5,195 |
| Total domestic deposits to total assets | 91.1309% | 281 |
| Equity capital to assets | 8.8151% | 4,729 |
| Core capital (leverage) ratio | 10.2918% | 3,198 |
| Tier 1 risk-based capital ratio | 18.6799% | 1,640 |
| Total risk-based capital ratio | 19.7455% | 1,657 |
| Memoranda: | ||
| Average total assets | $123,423,500 | 3,839 |
| Average earning assets | $119,934,000 | 3,750 |
| Average equity | $11,283,000 | 4,232 |
| Average total loans | $50,449,000 | 4,434 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 4,010 |
| Cost of funding earning assets | 0.4966% | 2,364 |
| Net interest margin | 3.3152% | 4,112 |
| Noninterest income to average assets | 0.9820% | 1,063 |
| Noninterest expense to average assets | 2.4002% | 4,082 |
| Loan and lease loss provision to assets | 0.1152% | 1,970 |
| Net operating income to assets | 1.6866% | 540 |
| Return on assets (ROA) | 1.6734% | 574 |
| Pretax return on assets | 1.6734% | 1,086 |
| Return on Equity (ROE) | 17.5777% | 338 |
| Retained earnings to average equity (ytd only) | 5.9486% | 1,574 |
| Net charge-offs to loans | 0.0511% | 2,775 |
| Credit loss provision to net charge-offs | 538.4615% | 593 |
| Earnings coverage of net charge-offs (x) | 84.1923% | 738 |
| Efficiency ratio | 57.1205% | 4,634 |
| Assets per employee ($millions) | 5.3391% | 2,114 |
| Cash dividends to net income (ytd only)* | 66.1584% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,254 |
| Loan loss allowance to noncurrent loans | 62.9002% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 1,687 |
| Noncurrent loans to loans | 2.0552% | 735 |
| Net loans and leases to total assets | 41.5370% | 5,082 |
| Net loans and leases to deposits | 45.9018% | 5,195 |
| Net loans and leases to core deposits | 47.6848% | 5,201 |
| Total domestic deposits to total assets | 90.4910% | 402 |
| Equity capital to assets | 9.4716% | 4,252 |
| Core capital (leverage) ratio | 10.2357% | 3,145 |
| Tier 1 risk-based capital ratio | 17.8226% | 1,852 |
| Total risk-based capital ratio | 18.7817% | 1,890 |
| Memoranda: | ||
| Average total assets | $121,490,600 | 3,865 |
| Average earning assets | $118,001,200 | 3,786 |
| Average equity | $11,565,800 | 4,213 |
| Average total loans | $50,913,000 | 4,437 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7765% | 4,080 |
| Cost of funding earning assets | 0.4948% | 2,313 |
| Net interest margin | 3.2816% | 4,229 |
| Noninterest income to average assets | 0.9783% | 1,070 |
| Noninterest expense to average assets | 2.3307% | 4,212 |
| Loan and lease loss provision to assets | 0.0880% | 2,324 |
| Net operating income to assets | 1.7486% | 523 |
| Return on assets (ROA) | 1.7310% | 560 |
| Pretax return on assets | 1.7310% | 1,044 |
| Return on Equity (ROE) | 18.1591% | 321 |
| Retained earnings to average equity (ytd only) | 6.6726% | 1,861 |
| Net charge-offs to loans | 0.0210% | 3,063 |
| Credit loss provision to net charge-offs | 1,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 208.5548% | 412 |
| Efficiency ratio | 55.9282% | 4,749 |
| Assets per employee ($millions) | 5.1969% | 2,228 |
| Cash dividends to net income (ytd only)* | 63.2548% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,918 |
| Loan loss allowance to noncurrent loans | 50.6883% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 1,584 |
| Noncurrent loans to loans | 2.3734% | 662 |
| Net loans and leases to total assets | 43.0100% | 5,077 |
| Net loans and leases to deposits | 47.9535% | 5,187 |
| Net loans and leases to core deposits | 50.0078% | 5,197 |
| Total domestic deposits to total assets | 89.6911% | 578 |
| Equity capital to assets | 10.2202% | 3,675 |
| Core capital (leverage) ratio | 10.4255% | 3,059 |
| Tier 1 risk-based capital ratio | 18.9259% | 1,611 |
| Total risk-based capital ratio | 19.8783% | 1,646 |
| Memoranda: | ||
| Average total assets | $121,163,500 | 3,917 |
| Average earning assets | $117,743,000 | 3,826 |
| Average equity | $11,549,500 | 4,258 |
| Average total loans | $50,722,500 | 4,485 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 4,093 |
| Cost of funding earning assets | 0.4924% | 2,238 |
| Net interest margin | 3.2521% | 4,254 |
| Noninterest income to average assets | 0.9975% | 1,021 |
| Noninterest expense to average assets | 2.3022% | 4,341 |
| Loan and lease loss provision to assets | 0.0822% | 2,346 |
| Net operating income to assets | 1.7714% | 477 |
| Return on assets (ROA) | 1.7369% | 528 |
| Pretax return on assets | 1.7369% | 969 |
| Return on Equity (ROE) | 18.6628% | 287 |
| Retained earnings to average equity (ytd only) | 9.3049% | 759 |
| Net charge-offs to loans | 0.0239% | 2,744 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 432 |
| Efficiency ratio | 55.3974% | 4,886 |
| Assets per employee ($millions) | 5.5518% | 1,828 |
| Cash dividends to net income (ytd only)* | 50.1419% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 3,152 |
| Loan loss allowance to noncurrent loans | 643.0108% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 4,794 |
| Noncurrent loans to loans | 0.1831% | 4,386 |
| Net loans and leases to total assets | 41.0966% | 5,186 |
| Net loans and leases to deposits | 45.6725% | 5,291 |
| Net loans and leases to core deposits | 48.0358% | 5,284 |
| Total domestic deposits to total assets | 89.9811% | 545 |
| Equity capital to assets | 9.9510% | 3,968 |
| Core capital (leverage) ratio | 10.1981% | 3,277 |
| Tier 1 risk-based capital ratio | 18.6468% | 1,679 |
| Total risk-based capital ratio | 19.5469% | 1,732 |
| Memoranda: | ||
| Average total assets | $121,708,670 | 3,936 |
| Average earning assets | $118,199,670 | 3,833 |
| Average equity | $11,327,330 | 4,305 |
| Average total loans | $50,285,000 | 4,520 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7143% | 4,071 |
| Cost of funding earning assets | 0.4821% | 2,235 |
| Net interest margin | 3.2322% | 4,239 |
| Noninterest income to average assets | 1.0338% | 944 |
| Noninterest expense to average assets | 2.3178% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8503% | 410 |
| Return on assets (ROA) | 1.8371% | 432 |
| Pretax return on assets | 1.8371% | 736 |
| Return on Equity (ROE) | 20.4508% | 212 |
| Retained earnings to average equity (ytd only) | 13.1208% | 369 |
| Net charge-offs to loans | -0.0160% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6082% | 4,978 |
| Assets per employee ($millions) | 5.2888% | 2,087 |
| Cash dividends to net income (ytd only)* | 35.8423% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,568 |
| Loan loss allowance to noncurrent loans | 829.8507% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,953 |
| Noncurrent loans to loans | 0.1352% | 4,650 |
| Net loans and leases to total assets | 40.2678% | 5,239 |
| Net loans and leases to deposits | 44.4778% | 5,353 |
| Net loans and leases to core deposits | 46.6629% | 5,346 |
| Total domestic deposits to total assets | 90.5346% | 460 |
| Equity capital to assets | 9.4037% | 4,386 |
| Core capital (leverage) ratio | 9.9944% | 3,505 |
| Tier 1 risk-based capital ratio | 18.7749% | 1,672 |
| Total risk-based capital ratio | 19.6291% | 1,730 |
| Memoranda: | ||
| Average total assets | $121,493,500 | 3,970 |
| Average earning assets | $117,814,500 | 3,877 |
| Average equity | $10,914,000 | 4,403 |
| Average total loans | $50,031,000 | 4,563 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5677% | 4,596 |
| Cost of funding earning assets | 0.4357% | 2,652 |
| Net interest margin | 3.1320% | 4,638 |
| Noninterest income to average assets | 0.8783% | 1,486 |
| Noninterest expense to average assets | 2.3500% | 4,421 |
| Loan and lease loss provision to assets | 0.1610% | 1,534 |
| Net operating income to assets | 1.4057% | 1,001 |
| Return on assets (ROA) | 1.4926% | 860 |
| Pretax return on assets | 1.4926% | 1,602 |
| Return on Equity (ROE) | 16.1580% | 492 |
| Retained earnings to average equity (ytd only) | 5.0025% | 2,348 |
| Net charge-offs to loans | 0.2709% | 1,021 |
| Credit loss provision to net charge-offs | 148.1481% | 1,851 |
| Earnings coverage of net charge-offs (x) | 14.4148% | 2,295 |
| Efficiency ratio | 60.0000% | 4,584 |
| Assets per employee ($millions) | 5.2758% | 2,090 |
| Cash dividends to net income (ytd only)* | 69.0399% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,731 |
| Loan loss allowance to noncurrent loans | 1,457.8947% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 4,221 |
| Noncurrent loans to loans | 0.0752% | 4,941 |
| Net loans and leases to total assets | 41.1796% | 5,271 |
| Net loans and leases to deposits | 45.0573% | 5,398 |
| Net loans and leases to core deposits | 47.0274% | 5,401 |
| Total domestic deposits to total assets | 91.3939% | 185 |
| Equity capital to assets | 8.5616% | 5,221 |
| Core capital (leverage) ratio | 9.7044% | 3,854 |
| Tier 1 risk-based capital ratio | 17.6984% | 1,945 |
| Total risk-based capital ratio | 18.5250% | 2,027 |
| Memoranda: | ||
| Average total assets | $124,212,400 | 3,923 |
| Average earning assets | $120,496,600 | 3,821 |
| Average equity | $11,474,200 | 4,340 |
| Average total loans | $49,838,000 | 4,580 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 4,538 |
| Cost of funding earning assets | 0.4332% | 2,702 |
| Net interest margin | 3.1724% | 4,569 |
| Noninterest income to average assets | 0.8004% | 1,763 |
| Noninterest expense to average assets | 2.2658% | 4,614 |
| Loan and lease loss provision to assets | 0.2134% | 983 |
| Net operating income to assets | 1.4002% | 1,068 |
| Return on assets (ROA) | 1.4611% | 1,002 |
| Pretax return on assets | 1.4611% | 1,851 |
| Return on Equity (ROE) | 15.5403% | 604 |
| Retained earnings to average equity (ytd only) | 5.3239% | 2,608 |
| Net charge-offs to loans | 0.4215% | 512 |
| Credit loss provision to net charge-offs | 127.3885% | 1,999 |
| Earnings coverage of net charge-offs (x) | 9.6305% | 2,667 |
| Efficiency ratio | 58.4044% | 4,765 |
| Assets per employee ($millions) | 5.1395% | 2,206 |
| Cash dividends to net income (ytd only)* | 65.7413% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,943 |
| Loan loss allowance to noncurrent loans | 13,300.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 4,507 |
| Noncurrent loans to loans | 0.0081% | 5,379 |
| Net loans and leases to total assets | 39.4845% | 5,407 |
| Net loans and leases to deposits | 43.9840% | 5,514 |
| Net loans and leases to core deposits | 45.4790% | 5,529 |
| Total domestic deposits to total assets | 89.7703% | 571 |
| Equity capital to assets | 10.1324% | 3,998 |
| Core capital (leverage) ratio | 9.6303% | 4,021 |
| Tier 1 risk-based capital ratio | 18.0922% | 1,888 |
| Total risk-based capital ratio | 18.9005% | 1,983 |
| Memoranda: | ||
| Average total assets | $124,929,500 | 3,935 |
| Average earning assets | $121,252,000 | 3,829 |
| Average equity | $11,745,500 | 4,330 |
| Average total loans | $49,666,750 | 4,627 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6652% | 4,400 |
| Cost of funding earning assets | 0.4315% | 2,724 |
| Net interest margin | 3.2337% | 4,430 |
| Noninterest income to average assets | 0.7891% | 1,761 |
| Noninterest expense to average assets | 2.2621% | 4,704 |
| Loan and lease loss provision to assets | 0.1754% | 1,250 |
| Net operating income to assets | 1.4937% | 901 |
| Return on assets (ROA) | 1.5719% | 812 |
| Pretax return on assets | 1.5719% | 1,449 |
| Return on Equity (ROE) | 17.1558% | 426 |
| Retained earnings to average equity (ytd only) | 8.4561% | 1,024 |
| Net charge-offs to loans | 0.2971% | 805 |
| Credit loss provision to net charge-offs | 148.6486% | 1,602 |
| Earnings coverage of net charge-offs (x) | 14.1486% | 2,073 |
| Efficiency ratio | 57.5426% | 4,966 |
| Assets per employee ($millions) | 5.3467% | 1,939 |
| Cash dividends to net income (ytd only)* | 50.7099% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 4,104 |
| Loan loss allowance to noncurrent loans | 80.8937% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 3,442 |
| Noncurrent loans to loans | 1.3241% | 1,703 |
| Net loans and leases to total assets | 37.7888% | 5,522 |
| Net loans and leases to deposits | 41.8350% | 5,627 |
| Net loans and leases to core deposits | 43.3835% | 5,640 |
| Total domestic deposits to total assets | 90.3282% | 377 |
| Equity capital to assets | 9.5939% | 4,678 |
| Core capital (leverage) ratio | 9.6220% | 4,033 |
| Tier 1 risk-based capital ratio | 18.2450% | 1,863 |
| Total risk-based capital ratio | 19.0483% | 1,952 |
| Memoranda: | ||
| Average total assets | $125,457,000 | 3,952 |
| Average earning assets | $121,902,330 | 3,846 |
| Average equity | $11,494,670 | 4,398 |
| Average total loans | $49,810,670 | 4,654 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 4,093 |
| Cost of funding earning assets | 0.4448% | 2,639 |
| Net interest margin | 3.3162% | 4,160 |
| Noninterest income to average assets | 0.8418% | 1,468 |
| Noninterest expense to average assets | 2.3221% | 4,603 |
| Loan and lease loss provision to assets | 0.1613% | 1,284 |
| Net operating income to assets | 1.5803% | 732 |
| Return on assets (ROA) | 1.5513% | 817 |
| Pretax return on assets | 1.5513% | 1,431 |
| Return on Equity (ROE) | 17.3544% | 405 |
| Retained earnings to average equity (ytd only) | 8.8757% | 1,153 |
| Net charge-offs to loans | 0.0398% | 2,203 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 513 |
| Efficiency ratio | 57.1429% | 5,080 |
| Assets per employee ($millions) | 5.4341% | 1,885 |
| Cash dividends to net income (ytd only)* | 48.8565% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 4,066 |
| Loan loss allowance to noncurrent loans | 741.6667% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 5,010 |
| Noncurrent loans to loans | 0.1480% | 4,882 |
| Net loans and leases to total assets | 38.5046% | 5,533 |
| Net loans and leases to deposits | 42.4211% | 5,642 |
| Net loans and leases to core deposits | 44.5437% | 5,639 |
| Total domestic deposits to total assets | 90.7677% | 341 |
| Equity capital to assets | 9.1667% | 5,025 |
| Core capital (leverage) ratio | 9.3046% | 4,487 |
| Tier 1 risk-based capital ratio | 17.8180% | 2,033 |
| Total risk-based capital ratio | 18.6324% | 2,128 |
| Memoranda: | ||
| Average total assets | $124,025,000 | 4,006 |
| Average earning assets | $120,498,500 | 3,894 |
| Average equity | $11,086,500 | 4,486 |
| Average total loans | $50,208,000 | 4,668 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3200% | 5,310 |
| Cost of funding earning assets | 0.4082% | 3,068 |
| Net interest margin | 2.9118% | 5,315 |
| Noninterest income to average assets | 0.8772% | 1,508 |
| Noninterest expense to average assets | 2.2442% | 4,937 |
| Loan and lease loss provision to assets | 0.1157% | 2,067 |
| Net operating income to assets | 1.3523% | 1,143 |
| Return on assets (ROA) | 1.3135% | 1,287 |
| Pretax return on assets | 1.3135% | 2,230 |
| Return on Equity (ROE) | 15.6792% | 591 |
| Retained earnings to average equity (ytd only) | 3.8179% | 3,319 |
| Net charge-offs to loans | 0.3426% | 866 |
| Credit loss provision to net charge-offs | 88.6905% | 2,779 |
| Earnings coverage of net charge-offs (x) | 11.2560% | 2,603 |
| Efficiency ratio | 60.4559% | 4,851 |
| Assets per employee ($millions) | 5.3507% | 1,953 |
| Cash dividends to net income (ytd only)* | 75.6501% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 4,897 |
| Loan loss allowance to noncurrent loans | 111.8993% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 3,853 |
| Noncurrent loans to loans | 0.8443% | 2,676 |
| Net loans and leases to total assets | 41.6593% | 5,429 |
| Net loans and leases to deposits | 45.6580% | 5,586 |
| Net loans and leases to core deposits | 48.4227% | 5,551 |
| Total domestic deposits to total assets | 91.2420% | 228 |
| Equity capital to assets | 8.7076% | 5,386 |
| Core capital (leverage) ratio | 9.1681% | 4,665 |
| Tier 1 risk-based capital ratio | 17.0330% | 2,268 |
| Total risk-based capital ratio | 17.7612% | 2,432 |
| Memoranda: | ||
| Average total assets | $128,818,600 | 3,910 |
| Average earning assets | $125,420,200 | 3,783 |
| Average equity | $10,791,400 | 4,524 |
| Average total loans | $49,040,600 | 4,699 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2479% | 5,513 |
| Cost of funding earning assets | 0.4097% | 3,128 |
| Net interest margin | 2.8382% | 5,517 |
| Noninterest income to average assets | 0.8516% | 1,613 |
| Noninterest expense to average assets | 2.1782% | 5,107 |
| Loan and lease loss provision to assets | 0.0409% | 3,390 |
| Net operating income to assets | 1.3982% | 1,110 |
| Return on assets (ROA) | 1.3675% | 1,239 |
| Pretax return on assets | 1.3675% | 2,145 |
| Return on Equity (ROE) | 16.4778% | 535 |
| Retained earnings to average equity (ytd only) | 5.0075% | 2,909 |
| Net charge-offs to loans | 0.3722% | 698 |
| Credit loss provision to net charge-offs | 29.6296% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.4146% | 2,599 |
| Efficiency ratio | 60.2151% | 4,863 |
| Assets per employee ($millions) | 5.5017% | 1,786 |
| Cash dividends to net income (ytd only)* | 69.6108% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 5,472 |
| Loan loss allowance to noncurrent loans | 107.5521% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 4,217 |
| Noncurrent loans to loans | 0.7622% | 3,058 |
| Net loans and leases to total assets | 39.4893% | 5,622 |
| Net loans and leases to deposits | 43.3939% | 5,743 |
| Net loans and leases to core deposits | 47.1423% | 5,687 |
| Total domestic deposits to total assets | 91.0019% | 244 |
| Equity capital to assets | 8.8946% | 5,401 |
| Core capital (leverage) ratio | 9.0783% | 4,906 |
| Tier 1 risk-based capital ratio | 17.2119% | 2,290 |
| Total risk-based capital ratio | 17.8246% | 2,495 |
| Memoranda: | ||
| Average total assets | $130,257,000 | 3,922 |
| Average earning assets | $126,931,500 | 3,798 |
| Average equity | $10,810,250 | 4,571 |
| Average total loans | $48,361,500 | 4,774 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2119% | 5,601 |
| Cost of funding earning assets | 0.4069% | 3,199 |
| Net interest margin | 2.8050% | 5,607 |
| Noninterest income to average assets | 0.8274% | 1,669 |
| Noninterest expense to average assets | 2.1932% | 5,133 |
| Loan and lease loss provision to assets | 0.0608% | 2,889 |
| Net operating income to assets | 1.3095% | 1,294 |
| Return on assets (ROA) | 1.3156% | 1,325 |
| Pretax return on assets | 1.3156% | 2,310 |
| Return on Equity (ROE) | 16.2258% | 586 |
| Retained earnings to average equity (ytd only) | 7.2219% | 1,609 |
| Net charge-offs to loans | 0.4488% | 571 |
| Credit loss provision to net charge-offs | 37.3832% | 2,849 |
| Earnings coverage of net charge-offs (x) | 8.4206% | 2,564 |
| Efficiency ratio | 61.5450% | 4,747 |
| Assets per employee ($millions) | 5.4116% | 1,825 |
| Cash dividends to net income (ytd only)* | 55.4913% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 5,147 |
| Loan loss allowance to noncurrent loans | 361.4754% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 5,263 |
| Noncurrent loans to loans | 0.2600% | 4,746 |
| Net loans and leases to total assets | 35.7913% | 5,829 |
| Net loans and leases to deposits | 38.9726% | 5,940 |
| Net loans and leases to core deposits | 42.4033% | 5,885 |
| Total domestic deposits to total assets | 91.8370% | 142 |
| Equity capital to assets | 8.0822% | 5,942 |
| Core capital (leverage) ratio | 8.7600% | 5,269 |
| Tier 1 risk-based capital ratio | 17.4279% | 2,243 |
| Total risk-based capital ratio | 18.0915% | 2,424 |
| Memoranda: | ||
| Average total assets | $131,496,670 | 3,933 |
| Average earning assets | $128,271,670 | 3,792 |
| Average equity | $10,662,000 | 4,624 |
| Average total loans | $47,688,000 | 4,826 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2121% | 5,627 |
| Cost of funding earning assets | 0.4089% | 3,204 |
| Net interest margin | 2.8033% | 5,632 |
| Noninterest income to average assets | 0.7468% | 1,932 |
| Noninterest expense to average assets | 2.1979% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2849% | 1,325 |
| Return on assets (ROA) | 1.2909% | 1,385 |
| Pretax return on assets | 1.2909% | 2,323 |
| Return on Equity (ROE) | 15.8965% | 585 |
| Retained earnings to average equity (ytd only) | 8.4508% | 1,395 |
| Net charge-offs to loans | 0.1664% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.2500% | 1,384 |
| Efficiency ratio | 63.1076% | 4,614 |
| Assets per employee ($millions) | 5.5572% | 1,750 |
| Cash dividends to net income (ytd only)* | 46.8384% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 4,821 |
| Loan loss allowance to noncurrent loans | 183.4586% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 5,157 |
| Noncurrent loans to loans | 0.5670% | 3,886 |
| Net loans and leases to total assets | 34.8094% | 5,889 |
| Net loans and leases to deposits | 38.0102% | 5,989 |
| Net loans and leases to core deposits | 41.2119% | 5,927 |
| Total domestic deposits to total assets | 91.5792% | 217 |
| Equity capital to assets | 8.3556% | 5,835 |
| Core capital (leverage) ratio | 8.5612% | 5,463 |
| Tier 1 risk-based capital ratio | 17.1589% | 2,420 |
| Total risk-based capital ratio | 17.8919% | 2,573 |
| Memoranda: | ||
| Average total assets | $132,306,000 | 3,949 |
| Average earning assets | $129,135,500 | 3,803 |
| Average equity | $10,744,500 | 4,653 |
| Average total loans | $48,069,000 | 4,843 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3845% | 5,561 |
| Cost of funding earning assets | 0.4019% | 3,671 |
| Net interest margin | 2.9826% | 5,483 |
| Noninterest income to average assets | 0.8850% | 1,551 |
| Noninterest expense to average assets | 2.1781% | 5,393 |
| Loan and lease loss provision to assets | 0.0387% | 3,796 |
| Net operating income to assets | 1.5757% | 745 |
| Return on assets (ROA) | 1.4867% | 941 |
| Pretax return on assets | 1.4867% | 1,594 |
| Return on Equity (ROE) | 21.2080% | 198 |
| Retained earnings to average equity (ytd only) | 2.7062% | 4,323 |
| Net charge-offs to loans | 0.0611% | 3,623 |
| Credit loss provision to net charge-offs | 185.1852% | 1,321 |
| Earnings coverage of net charge-offs (x) | 77.2222% | 648 |
| Efficiency ratio | 57.4316% | 5,519 |
| Assets per employee ($millions) | 5.4683% | 1,794 |
| Cash dividends to net income (ytd only)* | 87.2396% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 4,895 |
| Loan loss allowance to noncurrent loans | 819.3548% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 5,844 |
| Noncurrent loans to loans | 0.1260% | 5,399 |
| Net loans and leases to total assets | 37.1198% | 5,895 |
| Net loans and leases to deposits | 40.3188% | 6,028 |
| Net loans and leases to core deposits | 43.6586% | 5,968 |
| Total domestic deposits to total assets | 92.0657% | 141 |
| Equity capital to assets | 7.8825% | 6,111 |
| Core capital (leverage) ratio | 8.5566% | 5,489 |
| Tier 1 risk-based capital ratio | 16.7132% | 2,636 |
| Total risk-based capital ratio | 17.4715% | 2,791 |
| Memoranda: | ||
| Average total assets | $129,148,600 | 3,988 |
| Average earning assets | $125,898,200 | 3,846 |
| Average equity | $9,053,200 | 4,963 |
| Average total loans | $44,184,200 | 5,029 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3864% | 5,618 |
| Cost of funding earning assets | 0.4032% | 3,760 |
| Net interest margin | 2.9831% | 5,532 |
| Noninterest income to average assets | 0.8593% | 1,663 |
| Noninterest expense to average assets | 2.1136% | 5,542 |
| Loan and lease loss provision to assets | 0.0259% | 3,889 |
| Net operating income to assets | 1.6264% | 706 |
| Return on assets (ROA) | 1.5383% | 899 |
| Pretax return on assets | 1.5383% | 1,515 |
| Return on Equity (ROE) | 22.6640% | 168 |
| Retained earnings to average equity (ytd only) | 3.5737% | 4,104 |
| Net charge-offs to loans | 0.0311% | 3,864 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 159.4359% | 389 |
| Efficiency ratio | 56.1244% | 5,649 |
| Assets per employee ($millions) | 5.3709% | 1,843 |
| Cash dividends to net income (ytd only)* | 84.2319% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 4,893 |
| Loan loss allowance to noncurrent loans | 714.2857% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 5,931 |
| Noncurrent loans to loans | 0.1495% | 5,470 |
| Net loans and leases to total assets | 35.9273% | 6,032 |
| Net loans and leases to deposits | 38.9407% | 6,155 |
| Net loans and leases to core deposits | 41.4628% | 6,137 |
| Total domestic deposits to total assets | 92.2616% | 125 |
| Equity capital to assets | 7.6508% | 6,272 |
| Core capital (leverage) ratio | 8.8180% | 5,312 |
| Tier 1 risk-based capital ratio | 18.1568% | 2,162 |
| Total risk-based capital ratio | 18.9532% | 2,278 |
| Memoranda: | ||
| Average total assets | $128,625,750 | 4,034 |
| Average earning assets | $125,323,250 | 3,887 |
| Average equity | $8,730,250 | 5,081 |
| Average total loans | $42,924,250 | 5,127 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 5,719 |
| Cost of funding earning assets | 0.4056% | 3,817 |
| Net interest margin | 2.9413% | 5,656 |
| Noninterest income to average assets | 0.8418% | 1,694 |
| Noninterest expense to average assets | 2.1411% | 5,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5669% | 766 |
| Return on assets (ROA) | 1.4829% | 933 |
| Pretax return on assets | 1.4829% | 1,590 |
| Return on Equity (ROE) | 22.8181% | 168 |
| Retained earnings to average equity (ytd only) | 2.4662% | 4,640 |
| Net charge-offs to loans | 0.0288% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 167.8333% | 372 |
| Efficiency ratio | 57.7423% | 5,587 |
| Assets per employee ($millions) | 5.1943% | 1,976 |
| Cash dividends to net income (ytd only)* | 89.1920% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 4,750 |
| Loan loss allowance to noncurrent loans | 2,817.6471% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,204 |
| Noncurrent loans to loans | 0.0402% | 5,933 |
| Net loans and leases to total assets | 32.2044% | 6,233 |
| Net loans and leases to deposits | 34.8282% | 6,329 |
| Net loans and leases to core deposits | 36.9958% | 6,308 |
| Total domestic deposits to total assets | 92.4664% | 120 |
| Equity capital to assets | 7.4628% | 6,359 |
| Core capital (leverage) ratio | 8.6088% | 5,523 |
| Tier 1 risk-based capital ratio | 19.0922% | 1,899 |
| Total risk-based capital ratio | 19.9038% | 1,977 |
| Memoranda: | ||
| Average total assets | $128,533,670 | 4,064 |
| Average earning assets | $125,252,330 | 3,906 |
| Average equity | $8,353,000 | 5,184 |
| Average total loans | $41,628,670 | 5,210 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3397% | 5,771 |
| Cost of funding earning assets | 0.4042% | 3,922 |
| Net interest margin | 2.9355% | 5,681 |
| Noninterest income to average assets | 0.8196% | 1,675 |
| Noninterest expense to average assets | 2.1271% | 5,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5547% | 725 |
| Return on assets (ROA) | 1.4827% | 874 |
| Pretax return on assets | 1.4827% | 1,478 |
| Return on Equity (ROE) | 24.6746% | 128 |
| Retained earnings to average equity (ytd only) | 5.1015% | 3,061 |
| Net charge-offs to loans | -0.0484% | 5,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7740% | 5,670 |
| Assets per employee ($millions) | 5.4431% | 1,757 |
| Cash dividends to net income (ytd only)* | 79.3249% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 4,482 |
| Loan loss allowance to noncurrent loans | 803.2787% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 6,141 |
| Noncurrent loans to loans | 0.1532% | 5,624 |
| Net loans and leases to total assets | 30.0976% | 6,348 |
| Net loans and leases to deposits | 32.1659% | 6,432 |
| Net loans and leases to core deposits | 34.0262% | 6,411 |
| Total domestic deposits to total assets | 93.5699% | 76 |
| Equity capital to assets | 6.3773% | 6,536 |
| Core capital (leverage) ratio | 8.6720% | 5,426 |
| Tier 1 risk-based capital ratio | 19.6964% | 1,791 |
| Total risk-based capital ratio | 20.5533% | 1,851 |
| Memoranda: | ||
| Average total assets | $127,871,500 | 4,108 |
| Average earning assets | $124,681,000 | 3,950 |
| Average equity | $7,684,000 | 5,374 |
| Average total loans | $41,293,500 | 5,269 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2121% | 6,124 |
| Cost of funding earning assets | 0.4178% | 4,455 |
| Net interest margin | 2.7943% | 5,990 |
| Noninterest income to average assets | 0.8219% | 1,975 |
| Noninterest expense to average assets | 2.0519% | 5,919 |
| Loan and lease loss provision to assets | 0.0234% | 4,662 |
| Net operating income to assets | 1.4661% | 885 |
| Return on assets (ROA) | 1.4708% | 926 |
| Pretax return on assets | 1.4708% | 1,548 |
| Return on Equity (ROE) | 20.8965% | 243 |
| Retained earnings to average equity (ytd only) | 3.4643% | 3,767 |
| Net charge-offs to loans | 0.0526% | 4,489 |
| Credit loss provision to net charge-offs | 136.3636% | 1,719 |
| Earnings coverage of net charge-offs (x) | 86.9091% | 516 |
| Efficiency ratio | 57.9410% | 5,743 |
| Assets per employee ($millions) | 5.2128% | 1,944 |
| Cash dividends to net income (ytd only)* | 83.4216% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 4,978 |
| Loan loss allowance to noncurrent loans | 4,409.0909% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,400 |
| Noncurrent loans to loans | 0.0257% | 6,180 |
| Net loans and leases to total assets | 33.8060% | 6,307 |
| Net loans and leases to deposits | 35.8381% | 6,430 |
| Net loans and leases to core deposits | 38.2288% | 6,409 |
| Total domestic deposits to total assets | 94.3297% | 69 |
| Equity capital to assets | 5.6247% | 6,647 |
| Core capital (leverage) ratio | 8.7824% | 5,307 |
| Tier 1 risk-based capital ratio | 18.7502% | 1,994 |
| Total risk-based capital ratio | 19.5647% | 2,100 |
| Memoranda: | ||
| Average total assets | $128,366,000 | 4,102 |
| Average earning assets | $124,934,400 | 3,950 |
| Average equity | $9,035,000 | 5,072 |
| Average total loans | $41,821,400 | 5,270 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1379% | 6,272 |
| Cost of funding earning assets | 0.4213% | 4,594 |
| Net interest margin | 2.7166% | 6,148 |
| Noninterest income to average assets | 0.8247% | 2,038 |
| Noninterest expense to average assets | 1.9755% | 6,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4914% | 916 |
| Return on assets (ROA) | 1.5399% | 881 |
| Pretax return on assets | 1.5399% | 1,498 |
| Return on Equity (ROE) | 20.8640% | 249 |
| Retained earnings to average equity (ytd only) | 5.4817% | 2,730 |
| Net charge-offs to loans | 0.0160% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 288.8486% | 207 |
| Efficiency ratio | 56.9812% | 5,805 |
| Assets per employee ($millions) | 4.8475% | 2,371 |
| Cash dividends to net income (ytd only)* | 73.7267% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 5,423 |
| Loan loss allowance to noncurrent loans | 330.0699% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 6,095 |
| Noncurrent loans to loans | 0.3260% | 5,406 |
| Net loans and leases to total assets | 34.4330% | 6,343 |
| Net loans and leases to deposits | 36.8733% | 6,477 |
| Net loans and leases to core deposits | 39.4291% | 6,464 |
| Total domestic deposits to total assets | 93.3820% | 101 |
| Equity capital to assets | 6.5331% | 6,640 |
| Core capital (leverage) ratio | 9.1067% | 4,961 |
| Tier 1 risk-based capital ratio | 18.7484% | 2,066 |
| Total risk-based capital ratio | 19.5176% | 2,187 |
| Memoranda: | ||
| Average total assets | $129,180,500 | 4,134 |
| Average earning assets | $125,642,750 | 3,971 |
| Average equity | $9,534,500 | 5,025 |
| Average total loans | $41,582,000 | 5,332 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0431% | 6,403 |
| Cost of funding earning assets | 0.4244% | 4,713 |
| Net interest margin | 2.6188% | 6,313 |
| Noninterest income to average assets | 0.8447% | 2,015 |
| Noninterest expense to average assets | 1.9688% | 6,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4252% | 1,028 |
| Return on assets (ROA) | 1.5665% | 863 |
| Pretax return on assets | 1.5665% | 1,450 |
| Return on Equity (ROE) | 20.4655% | 275 |
| Retained earnings to average equity (ytd only) | 7.4238% | 1,703 |
| Net charge-offs to loans | -0.0637% | 6,351 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0090% | 5,732 |
| Assets per employee ($millions) | 4.6849% | 2,534 |
| Cash dividends to net income (ytd only)* | 63.7255% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 4,960 |
| Loan loss allowance to noncurrent loans | 314.1026% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 6,115 |
| Noncurrent loans to loans | 0.3838% | 5,315 |
| Net loans and leases to total assets | 31.7456% | 6,519 |
| Net loans and leases to deposits | 33.8207% | 6,618 |
| Net loans and leases to core deposits | 36.3068% | 6,594 |
| Total domestic deposits to total assets | 93.8645% | 67 |
| Equity capital to assets | 5.7308% | 6,763 |
| Core capital (leverage) ratio | 8.8399% | 5,232 |
| Tier 1 risk-based capital ratio | 19.2781% | 1,913 |
| Total risk-based capital ratio | 20.1007% | 1,994 |
| Memoranda: | ||
| Average total assets | $130,228,670 | 4,137 |
| Average earning assets | $126,776,670 | 3,973 |
| Average equity | $9,968,000 | 4,948 |
| Average total loans | $40,819,330 | 5,387 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0735% | 6,424 |
| Cost of funding earning assets | 0.4324% | 4,778 |
| Net interest margin | 2.6411% | 6,309 |
| Noninterest income to average assets | 0.8085% | 2,094 |
| Noninterest expense to average assets | 1.8562% | 6,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5231% | 820 |
| Return on assets (ROA) | 1.9380% | 415 |
| Pretax return on assets | 1.9380% | 678 |
| Return on Equity (ROE) | 22.5999% | 175 |
| Retained earnings to average equity (ytd only) | 14.6546% | 380 |
| Net charge-offs to loans | -0.0489% | 6,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9283% | 6,161 |
| Assets per employee ($millions) | 5.1087% | 2,085 |
| Cash dividends to net income (ytd only)* | 35.1563% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 5,050 |
| Loan loss allowance to noncurrent loans | 216.1435% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 6,069 |
| Noncurrent loans to loans | 0.5689% | 5,016 |
| Net loans and leases to total assets | 29.1499% | 6,636 |
| Net loans and leases to deposits | 31.8824% | 6,693 |
| Net loans and leases to core deposits | 34.0899% | 6,672 |
| Total domestic deposits to total assets | 91.4295% | 376 |
| Equity capital to assets | 8.3454% | 6,155 |
| Core capital (leverage) ratio | 8.6874% | 5,344 |
| Tier 1 risk-based capital ratio | 20.0292% | 1,760 |
| Total risk-based capital ratio | 20.8667% | 1,855 |
| Memoranda: | ||
| Average total assets | $132,096,500 | 4,135 |
| Average earning assets | $128,582,000 | 3,969 |
| Average equity | $11,327,500 | 4,710 |
| Average total loans | $40,906,000 | 5,422 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0538% | 6,748 |
| Cost of funding earning assets | 0.6168% | 4,201 |
| Net interest margin | 2.4369% | 6,750 |
| Noninterest income to average assets | 0.7846% | 2,333 |
| Noninterest expense to average assets | 2.0732% | 6,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0677% | 2,058 |
| Return on assets (ROA) | 1.9128% | 465 |
| Pretax return on assets | 1.9128% | 734 |
| Return on Equity (ROE) | 22.3929% | 201 |
| Retained earnings to average equity (ytd only) | 8.8882% | 860 |
| Net charge-offs to loans | -0.0283% | 6,607 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0068% | 4,508 |
| Assets per employee ($millions) | 5.4736% | 1,707 |
| Cash dividends to net income (ytd only)* | 60.3080% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,472 |
| Loan loss allowance to noncurrent loans | 236.1386% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 6,176 |
| Noncurrent loans to loans | 0.4741% | 5,339 |
| Net loans and leases to total assets | 32.0737% | 6,625 |
| Net loans and leases to deposits | 35.3832% | 6,700 |
| Net loans and leases to core deposits | 37.4604% | 6,693 |
| Total domestic deposits to total assets | 90.6467% | 637 |
| Equity capital to assets | 8.8075% | 5,738 |
| Core capital (leverage) ratio | 8.6575% | 5,389 |
| Tier 1 risk-based capital ratio | 18.8224% | 2,005 |
| Total risk-based capital ratio | 19.6304% | 2,107 |
| Memoranda: | ||
| Average total assets | $122,229,000 | 4,308 |
| Average earning assets | $118,182,400 | 4,155 |
| Average equity | $10,440,800 | 4,882 |
| Average total loans | $38,911,200 | 5,555 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9790% | 6,908 |
| Cost of funding earning assets | 0.6693% | 4,025 |
| Net interest margin | 2.3097% | 6,942 |
| Noninterest income to average assets | 0.7992% | 2,242 |
| Noninterest expense to average assets | 2.0498% | 6,270 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9782% | 2,615 |
| Return on assets (ROA) | 2.1198% | 357 |
| Pretax return on assets | 2.1198% | 547 |
| Return on Equity (ROE) | 25.0293% | 142 |
| Retained earnings to average equity (ytd only) | 15.0544% | 233 |
| Net charge-offs to loans | -0.0948% | 6,841 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6946% | 4,132 |
| Assets per employee ($millions) | 5.3113% | 1,820 |
| Cash dividends to net income (ytd only)* | 39.8533% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 5,206 |
| Loan loss allowance to noncurrent loans | 2,240.9091% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 6,486 |
| Noncurrent loans to loans | 0.0543% | 6,481 |
| Net loans and leases to total assets | 31.3742% | 6,764 |
| Net loans and leases to deposits | 34.9721% | 6,836 |
| Net loans and leases to core deposits | 36.4554% | 6,846 |
| Total domestic deposits to total assets | 89.7122% | 998 |
| Equity capital to assets | 9.8038% | 4,777 |
| Core capital (leverage) ratio | 9.0076% | 5,057 |
| Tier 1 risk-based capital ratio | 20.4260% | 1,646 |
| Total risk-based capital ratio | 21.2997% | 1,714 |
| Memoranda: | ||
| Average total assets | $119,944,750 | 4,405 |
| Average earning assets | $115,739,500 | 4,254 |
| Average equity | $10,158,500 | 4,992 |
| Average total loans | $37,986,250 | 5,655 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0627% | 6,952 |
| Cost of funding earning assets | 0.7170% | 3,884 |
| Net interest margin | 2.3457% | 6,988 |
| Noninterest income to average assets | 0.8226% | 2,086 |
| Noninterest expense to average assets | 2.0760% | 6,270 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0031% | 2,452 |
| Return on assets (ROA) | 1.5907% | 955 |
| Pretax return on assets | 1.5907% | 1,575 |
| Return on Equity (ROE) | 19.9168% | 364 |
| Retained earnings to average equity (ytd only) | 13.9460% | 349 |
| Net charge-offs to loans | -0.0700% | 6,757 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4226% | 4,252 |
| Assets per employee ($millions) | 5.0823% | 2,053 |
| Cash dividends to net income (ytd only)* | 29.9786% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 5,226 |
| Loan loss allowance to noncurrent loans | 447.6636% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 6,382 |
| Noncurrent loans to loans | 0.2741% | 6,027 |
| Net loans and leases to total assets | 30.3491% | 6,864 |
| Net loans and leases to deposits | 32.9598% | 6,940 |
| Net loans and leases to core deposits | 34.4766% | 6,949 |
| Total domestic deposits to total assets | 92.0792% | 217 |
| Equity capital to assets | 7.7272% | 6,705 |
| Core capital (leverage) ratio | 7.5104% | 6,625 |
| Tier 1 risk-based capital ratio | 16.1028% | 3,123 |
| Total risk-based capital ratio | 16.9566% | 3,293 |
| Memoranda: | ||
| Average total assets | $117,436,000 | 4,471 |
| Average earning assets | $112,970,670 | 4,335 |
| Average equity | $9,379,000 | 5,190 |
| Average total loans | $37,153,000 | 5,727 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5486% | 6,635 |
| Cost of funding earning assets | 0.7877% | 3,567 |
| Net interest margin | 2.7608% | 6,695 |
| Noninterest income to average assets | 0.7920% | 2,201 |
| Noninterest expense to average assets | 2.1239% | 6,223 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3070% | 1,442 |
| Return on assets (ROA) | 1.8362% | 632 |
| Pretax return on assets | 1.8362% | 1,004 |
| Return on Equity (ROE) | 22.5777% | 256 |
| Retained earnings to average equity (ytd only) | 16.0271% | 368 |
| Net charge-offs to loans | 0.0110% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 368.0000% | 82 |
| Efficiency ratio | 61.9048% | 5,292 |
| Assets per employee ($millions) | 4.4387% | 3,109 |
| Cash dividends to net income (ytd only)* | 29.0135% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 5,288 |
| Loan loss allowance to noncurrent loans | 845.4545% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 6,547 |
| Noncurrent loans to loans | 0.1471% | 6,389 |
| Net loans and leases to total assets | 31.9877% | 6,832 |
| Net loans and leases to deposits | 34.8557% | 6,924 |
| Net loans and leases to core deposits | 36.6343% | 6,922 |
| Total domestic deposits to total assets | 91.7717% | 313 |
| Equity capital to assets | 8.1416% | 6,422 |
| Core capital (leverage) ratio | 7.7802% | 6,432 |
| Tier 1 risk-based capital ratio | 16.6896% | 2,819 |
| Total risk-based capital ratio | 17.5769% | 2,958 |
| Memoranda: | ||
| Average total assets | $112,625,000 | 4,635 |
| Average earning assets | $107,649,500 | 4,497 |
| Average equity | $9,159,500 | 5,248 |
| Average total loans | $36,209,500 | 5,815 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 6,584 |
| Cost of funding earning assets | 1.0193% | 3,243 |
| Net interest margin | 2.9002% | 6,689 |
| Noninterest income to average assets | 0.8923% | 1,702 |
| Noninterest expense to average assets | 2.3020% | 6,032 |
| Loan and lease loss provision to assets | 0.0796% | 5,620 |
| Net operating income to assets | 1.2366% | 1,418 |
| Return on assets (ROA) | 1.4773% | 948 |
| Pretax return on assets | 1.4773% | 1,540 |
| Return on Equity (ROE) | 17.4410% | 432 |
| Retained earnings to average equity (ytd only) | 1.6443% | 5,034 |
| Net charge-offs to loans | -0.0321% | 7,008 |
| Credit loss provision to net charge-offs | -727.2727% | 6,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6239% | 5,190 |
| Assets per employee ($millions) | 4.3937% | 3,078 |
| Cash dividends to net income (ytd only)* | 90.5724% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 4,754 |
| Loan loss allowance to noncurrent loans | 2,026.0870% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 6,662 |
| Noncurrent loans to loans | 0.0656% | 6,649 |
| Net loans and leases to total assets | 31.4740% | 6,956 |
| Net loans and leases to deposits | 34.2925% | 7,036 |
| Net loans and leases to core deposits | 35.5738% | 7,046 |
| Total domestic deposits to total assets | 91.7810% | 267 |
| Equity capital to assets | 8.1234% | 6,498 |
| Core capital (leverage) ratio | 7.6236% | 6,588 |
| Tier 1 risk-based capital ratio | 16.6673% | 2,748 |
| Total risk-based capital ratio | 17.5944% | 2,857 |
| Memoranda: | ||
| Average total assets | $100,521,200 | 4,879 |
| Average earning assets | $94,477,800 | 4,800 |
| Average equity | $8,514,400 | 5,403 |
| Average total loans | $34,268,200 | 5,942 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 6,616 |
| Cost of funding earning assets | 1.0651% | 3,213 |
| Net interest margin | 2.9163% | 6,726 |
| Noninterest income to average assets | 0.9206% | 1,578 |
| Noninterest expense to average assets | 2.2894% | 6,065 |
| Loan and lease loss provision to assets | 0.0272% | 6,101 |
| Net operating income to assets | 1.3443% | 1,278 |
| Return on assets (ROA) | 1.4774% | 1,069 |
| Pretax return on assets | 1.4774% | 1,712 |
| Return on Equity (ROE) | 17.2443% | 543 |
| Retained earnings to average equity (ytd only) | 1.4740% | 5,405 |
| Net charge-offs to loans | 0.0900% | 5,073 |
| Credit loss provision to net charge-offs | 86.9565% | 3,889 |
| Earnings coverage of net charge-offs (x) | 43.9071% | 723 |
| Efficiency ratio | 62.5371% | 5,326 |
| Assets per employee ($millions) | 4.4737% | 2,959 |
| Cash dividends to net income (ytd only)* | 91.4520% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 5,924 |
| Loan loss allowance to noncurrent loans | 523.9437% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 6,619 |
| Noncurrent loans to loans | 0.2084% | 6,459 |
| Net loans and leases to total assets | 31.3864% | 7,041 |
| Net loans and leases to deposits | 34.5588% | 7,113 |
| Net loans and leases to core deposits | 35.7019% | 7,124 |
| Total domestic deposits to total assets | 90.8204% | 506 |
| Equity capital to assets | 9.0278% | 5,727 |
| Core capital (leverage) ratio | 8.3260% | 5,942 |
| Tier 1 risk-based capital ratio | 17.2940% | 2,528 |
| Total risk-based capital ratio | 18.0547% | 2,693 |
| Memoranda: | ||
| Average total assets | $98,190,750 | 4,976 |
| Average earning assets | $92,260,250 | 4,891 |
| Average equity | $8,412,250 | 5,464 |
| Average total loans | $34,075,750 | 6,017 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 6,644 |
| Cost of funding earning assets | 1.1019% | 3,222 |
| Net interest margin | 2.9080% | 6,777 |
| Noninterest income to average assets | 0.9419% | 1,491 |
| Noninterest expense to average assets | 2.3757% | 5,920 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3182% | 1,275 |
| Return on assets (ROA) | 1.3497% | 1,267 |
| Pretax return on assets | 1.3497% | 1,963 |
| Return on Equity (ROE) | 16.0795% | 663 |
| Retained earnings to average equity (ytd only) | 1.6781% | 5,154 |
| Net charge-offs to loans | 0.1291% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 960 |
| Efficiency ratio | 64.3142% | 5,181 |
| Assets per employee ($millions) | 3.9362% | 3,906 |
| Cash dividends to net income (ytd only)* | 89.5639% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,161 |
| Loan loss allowance to noncurrent loans | 1,176.6667% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 6,733 |
| Noncurrent loans to loans | 0.0889% | 6,762 |
| Net loans and leases to total assets | 33.9498% | 7,049 |
| Net loans and leases to deposits | 37.2799% | 7,143 |
| Net loans and leases to core deposits | 38.0753% | 7,167 |
| Total domestic deposits to total assets | 91.0674% | 477 |
| Equity capital to assets | 8.7852% | 5,837 |
| Core capital (leverage) ratio | 8.6936% | 5,234 |
| Tier 1 risk-based capital ratio | 17.9618% | 2,184 |
| Total risk-based capital ratio | 18.7138% | 2,323 |
| Memoranda: | ||
| Average total assets | $95,131,670 | 5,102 |
| Average earning assets | $90,028,330 | 4,992 |
| Average equity | $7,985,330 | 5,613 |
| Average total loans | $34,077,330 | 6,067 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 6,579 |
| Cost of funding earning assets | 1.1397% | 3,230 |
| Net interest margin | 2.9217% | 6,722 |
| Noninterest income to average assets | 0.9369% | 1,517 |
| Noninterest expense to average assets | 2.3916% | 5,905 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3092% | 1,246 |
| Return on assets (ROA) | 1.2792% | 1,373 |
| Pretax return on assets | 1.2792% | 2,105 |
| Return on Equity (ROE) | 15.6228% | 722 |
| Retained earnings to average equity (ytd only) | 3.8665% | 3,850 |
| Net charge-offs to loans | 0.1753% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,111 |
| Efficiency ratio | 64.6243% | 5,258 |
| Assets per employee ($millions) | 3.8416% | 4,210 |
| Cash dividends to net income (ytd only)* | 75.2508% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 6,050 |
| Loan loss allowance to noncurrent loans | 230.7692% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 6,490 |
| Noncurrent loans to loans | 0.4761% | 6,066 |
| Net loans and leases to total assets | 33.7429% | 7,101 |
| Net loans and leases to deposits | 36.7468% | 7,201 |
| Net loans and leases to core deposits | 37.5842% | 7,232 |
| Total domestic deposits to total assets | 91.8254% | 334 |
| Equity capital to assets | 8.0382% | 6,459 |
| Core capital (leverage) ratio | 8.9097% | 4,758 |
| Tier 1 risk-based capital ratio | 18.8383% | 1,855 |
| Total risk-based capital ratio | 19.6419% | 1,945 |
| Memoranda: | ||
| Average total assets | $93,495,500 | 5,189 |
| Average earning assets | $88,441,500 | 5,076 |
| Average equity | $7,655,500 | 5,726 |
| Average total loans | $34,235,500 | 6,115 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 6,310 |
| Cost of funding earning assets | 1.2903% | 3,945 |
| Net interest margin | 3.2410% | 6,164 |
| Noninterest income to average assets | 1.0683% | 1,312 |
| Noninterest expense to average assets | 2.6695% | 5,128 |
| Loan and lease loss provision to assets | 0.1282% | 5,886 |
| Net operating income to assets | 1.2879% | 1,208 |
| Return on assets (ROA) | 2.0095% | 290 |
| Pretax return on assets | 2.0095% | 469 |
| Return on Equity (ROE) | 19.6354% | 275 |
| Retained earnings to average equity (ytd only) | 0.5567% | 5,300 |
| Net charge-offs to loans | 0.2870% | 4,585 |
| Credit loss provision to net charge-offs | 127.0588% | 3,182 |
| Earnings coverage of net charge-offs (x) | 14.0353% | 1,372 |
| Efficiency ratio | 65.3399% | 5,100 |
| Assets per employee ($millions) | 3.6380% | 4,612 |
| Cash dividends to net income (ytd only)* | 97.1648% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 6,144 |
| Loan loss allowance to noncurrent loans | 210.6742% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 6,377 |
| Noncurrent loans to loans | 0.4985% | 6,044 |
| Net loans and leases to total assets | 38.8444% | 7,032 |
| Net loans and leases to deposits | 42.4464% | 7,171 |
| Net loans and leases to core deposits | 43.6069% | 7,213 |
| Total domestic deposits to total assets | 91.5140% | 394 |
| Equity capital to assets | 8.3463% | 6,082 |
| Core capital (leverage) ratio | 9.2227% | 4,134 |
| Tier 1 risk-based capital ratio | 18.6744% | 1,793 |
| Total risk-based capital ratio | 19.5115% | 1,879 |
| Memoranda: | ||
| Average total assets | $84,248,200 | 5,463 |
| Average earning assets | $78,432,400 | 5,400 |
| Average equity | $8,622,200 | 5,522 |
| Average total loans | $29,619,600 | 6,414 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 6,414 |
| Cost of funding earning assets | 1.3090% | 4,158 |
| Net interest margin | 3.2622% | 6,134 |
| Noninterest income to average assets | 1.0996% | 1,169 |
| Noninterest expense to average assets | 2.6384% | 5,162 |
| Loan and lease loss provision to assets | 0.0533% | 6,546 |
| Net operating income to assets | 1.4339% | 1,051 |
| Return on assets (ROA) | 2.1637% | 272 |
| Pretax return on assets | 2.1637% | 439 |
| Return on Equity (ROE) | 20.1196% | 301 |
| Retained earnings to average equity (ytd only) | 1.4264% | 5,232 |
| Net charge-offs to loans | 0.2657% | 4,354 |
| Credit loss provision to net charge-offs | 58.9286% | 5,722 |
| Earnings coverage of net charge-offs (x) | 16.4475% | 1,380 |
| Efficiency ratio | 63.9530% | 5,248 |
| Assets per employee ($millions) | 3.6942% | 4,521 |
| Cash dividends to net income (ytd only)* | 92.9106% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 6,223 |
| Loan loss allowance to noncurrent loans | 109.6667% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 6,474 |
| Noncurrent loans to loans | 0.9477% | 5,338 |
| Net loans and leases to total assets | 35.3323% | 7,294 |
| Net loans and leases to deposits | 39.6236% | 7,383 |
| Net loans and leases to core deposits | 40.7631% | 7,407 |
| Total domestic deposits to total assets | 89.1700% | 1,301 |
| Equity capital to assets | 10.6089% | 3,400 |
| Core capital (leverage) ratio | 9.8293% | 3,455 |
| Tier 1 risk-based capital ratio | 20.9378% | 1,370 |
| Total risk-based capital ratio | 21.7527% | 1,428 |
| Memoranda: | ||
| Average total assets | $82,572,750 | 5,576 |
| Average earning assets | $76,593,250 | 5,528 |
| Average equity | $8,880,000 | 5,527 |
| Average total loans | $28,098,500 | 6,582 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 6,502 |
| Cost of funding earning assets | 1.3108% | 4,474 |
| Net interest margin | 3.2744% | 6,097 |
| Noninterest income to average assets | 1.1373% | 1,008 |
| Noninterest expense to average assets | 2.7066% | 4,877 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4700% | 957 |
| Return on assets (ROA) | 2.2547% | 229 |
| Pretax return on assets | 2.2547% | 370 |
| Return on Equity (ROE) | 20.8624% | 266 |
| Retained earnings to average equity (ytd only) | 2.5963% | 4,486 |
| Net charge-offs to loans | 0.1263% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 34.8235% | 815 |
| Efficiency ratio | 64.8038% | 5,188 |
| Assets per employee ($millions) | 3.4686% | 5,000 |
| Cash dividends to net income (ytd only)* | 87.5551% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 5,276 |
| Loan loss allowance to noncurrent loans | 204.2683% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 6,783 |
| Noncurrent loans to loans | 0.6037% | 6,032 |
| Net loans and leases to total assets | 32.2282% | 7,478 |
| Net loans and leases to deposits | 36.2873% | 7,531 |
| Net loans and leases to core deposits | 36.5358% | 7,559 |
| Total domestic deposits to total assets | 88.8140% | 1,541 |
| Equity capital to assets | 10.9902% | 2,871 |
| Core capital (leverage) ratio | 10.3538% | 2,769 |
| Tier 1 risk-based capital ratio | 23.7471% | 969 |
| Total risk-based capital ratio | 24.6861% | 981 |
| Memoranda: | ||
| Average total assets | $80,543,330 | 5,682 |
| Average earning assets | $74,762,330 | 5,618 |
| Average equity | $8,704,670 | 5,584 |
| Average total loans | $26,913,000 | 6,699 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 6,677 |
| Cost of funding earning assets | 1.3120% | 4,736 |
| Net interest margin | 3.2391% | 6,168 |
| Noninterest income to average assets | 1.1466% | 949 |
| Noninterest expense to average assets | 2.7276% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4244% | 1,026 |
| Return on assets (ROA) | 2.1517% | 299 |
| Pretax return on assets | 2.1517% | 459 |
| Return on Equity (ROE) | 20.0884% | 377 |
| Retained earnings to average equity (ytd only) | 3.1123% | 4,275 |
| Net charge-offs to loans | 0.2091% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 20.1429% | 1,171 |
| Efficiency ratio | 65.6934% | 5,185 |
| Assets per employee ($millions) | 3.2350% | 5,684 |
| Cash dividends to net income (ytd only)* | 84.5070% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 5,003 |
| Loan loss allowance to noncurrent loans | 704.1667% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 7,339 |
| Noncurrent loans to loans | 0.1829% | 6,972 |
| Net loans and leases to total assets | 32.0305% | 7,563 |
| Net loans and leases to deposits | 35.7834% | 7,628 |
| Net loans and leases to core deposits | 36.0327% | 7,651 |
| Total domestic deposits to total assets | 89.5123% | 1,241 |
| Equity capital to assets | 10.3232% | 3,441 |
| Core capital (leverage) ratio | 10.5998% | 2,535 |
| Tier 1 risk-based capital ratio | 24.0968% | 956 |
| Total risk-based capital ratio | 25.0636% | 962 |
| Memoranda: | ||
| Average total assets | $79,191,500 | 5,792 |
| Average earning assets | $73,476,500 | 5,725 |
| Average equity | $8,482,500 | 5,693 |
| Average total loans | $26,787,500 | 6,784 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 6,264 |
| Cost of funding earning assets | 1.2755% | 6,393 |
| Net interest margin | 3.7742% | 3,822 |
| Noninterest income to average assets | 1.2968% | 892 |
| Noninterest expense to average assets | 2.7018% | 5,384 |
| Loan and lease loss provision to assets | 0.1000% | 6,624 |
| Net operating income to assets | 2.0486% | 206 |
| Return on assets (ROA) | 2.7073% | 75 |
| Pretax return on assets | 2.7073% | 125 |
| Return on Equity (ROE) | 22.3947% | 150 |
| Retained earnings to average equity (ytd only) | 3.6475% | 2,634 |
| Net charge-offs to loans | 0.2442% | 5,090 |
| Credit loss provision to net charge-offs | 123.7288% | 4,258 |
| Earnings coverage of net charge-offs (x) | 26.5932% | 847 |
| Efficiency ratio | 55.7030% | 7,052 |
| Assets per employee ($millions) | 3.1003% | 5,993 |
| Cash dividends to net income (ytd only)* | 83.7127% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 4,829 |
| Loan loss allowance to noncurrent loans | 161.4679% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 6,748 |
| Noncurrent loans to loans | 0.7976% | 5,691 |
| Net loans and leases to total assets | 34.8098% | 7,568 |
| Net loans and leases to deposits | 39.2220% | 7,645 |
| Net loans and leases to core deposits | 52.7252% | 7,508 |
| Total domestic deposits to total assets | 88.7507% | 1,599 |
| Equity capital to assets | 11.1164% | 2,613 |
| Core capital (leverage) ratio | 10.9404% | 2,259 |
| Tier 1 risk-based capital ratio | 23.5178% | 990 |
| Total risk-based capital ratio | 24.5083% | 995 |
| Memoranda: | ||
| Average total assets | $73,025,400 | 5,913 |
| Average earning assets | $68,755,600 | 5,847 |
| Average equity | $8,828,000 | 5,658 |
| Average total loans | $24,165,000 | 6,962 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 6,211 |
| Cost of funding earning assets | 1.2761% | 6,639 |
| Net interest margin | 3.8400% | 3,481 |
| Noninterest income to average assets | 1.3443% | 846 |
| Noninterest expense to average assets | 2.6034% | 5,703 |
| Loan and lease loss provision to assets | 0.0241% | 7,115 |
| Net operating income to assets | 2.3382% | 143 |
| Return on assets (ROA) | 3.1838% | 59 |
| Pretax return on assets | 3.1838% | 91 |
| Return on Equity (ROE) | 25.7773% | 97 |
| Retained earnings to average equity (ytd only) | 6.1853% | 1,854 |
| Net charge-offs to loans | 0.0856% | 5,829 |
| Credit loss provision to net charge-offs | 86.6667% | 5,575 |
| Earnings coverage of net charge-offs (x) | 84.9310% | 406 |
| Efficiency ratio | 52.4272% | 7,383 |
| Assets per employee ($millions) | 2.9171% | 6,360 |
| Cash dividends to net income (ytd only)* | 76.0047% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 4,506 |
| Loan loss allowance to noncurrent loans | 320.0000% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 7,186 |
| Noncurrent loans to loans | 0.4060% | 6,523 |
| Net loans and leases to total assets | 34.9989% | 7,654 |
| Net loans and leases to deposits | 40.1340% | 7,726 |
| Net loans and leases to core deposits | 52.8535% | 7,630 |
| Total domestic deposits to total assets | 87.2052% | 2,076 |
| Equity capital to assets | 12.5754% | 1,901 |
| Core capital (leverage) ratio | 11.6449% | 1,994 |
| Tier 1 risk-based capital ratio | 25.8800% | 825 |
| Total risk-based capital ratio | 26.9093% | 825 |
| Memoranda: | ||
| Average total assets | $71,905,000 | 5,983 |
| Average earning assets | $67,810,750 | 5,916 |
| Average equity | $8,881,000 | 5,687 |
| Average total loans | $23,373,250 | 7,070 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1559% | 6,236 |
| Cost of funding earning assets | 1.2882% | 6,846 |
| Net interest margin | 3.8677% | 3,260 |
| Noninterest income to average assets | 1.1179% | 1,269 |
| Noninterest expense to average assets | 2.6186% | 5,665 |
| Loan and lease loss provision to assets | 0.0363% | 6,877 |
| Net operating income to assets | 2.1044% | 233 |
| Return on assets (ROA) | 2.7025% | 95 |
| Pretax return on assets | 2.7025% | 152 |
| Return on Equity (ROE) | 22.0165% | 237 |
| Retained earnings to average equity (ytd only) | 10.1772% | 700 |
| Net charge-offs to loans | 0.1419% | 4,752 |
| Credit loss provision to net charge-offs | 81.2500% | 5,156 |
| Earnings coverage of net charge-offs (x) | 47.8750% | 705 |
| Efficiency ratio | 55.0206% | 7,227 |
| Assets per employee ($millions) | 3.0110% | 6,098 |
| Cash dividends to net income (ytd only)* | 53.7746% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 3,487 |
| Loan loss allowance to noncurrent loans | 2,093.7500% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 7,575 |
| Noncurrent loans to loans | 0.0691% | 7,352 |
| Net loans and leases to total assets | 31.5828% | 7,858 |
| Net loans and leases to deposits | 36.0815% | 7,899 |
| Net loans and leases to core deposits | 45.2451% | 7,854 |
| Total domestic deposits to total assets | 87.5318% | 2,003 |
| Equity capital to assets | 12.2177% | 2,076 |
| Core capital (leverage) ratio | 11.7654% | 1,941 |
| Tier 1 risk-based capital ratio | 27.9285% | 722 |
| Total risk-based capital ratio | 29.0314% | 712 |
| Memoranda: | ||
| Average total assets | $71,564,000 | 6,041 |
| Average earning assets | $67,378,670 | 5,971 |
| Average equity | $8,784,330 | 5,754 |
| Average total loans | $22,544,330 | 7,178 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2867% | 5,949 |
| Cost of funding earning assets | 1.3217% | 6,954 |
| Net interest margin | 3.9651% | 2,797 |
| Noninterest income to average assets | 1.1065% | 1,211 |
| Noninterest expense to average assets | 2.5220% | 5,756 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3254% | 181 |
| Return on assets (ROA) | 2.3872% | 190 |
| Pretax return on assets | 2.3872% | 309 |
| Return on Equity (ROE) | 19.4020% | 469 |
| Retained earnings to average equity (ytd only) | -4.3369% | 6,468 |
| Net charge-offs to loans | 0.0720% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 423 |
| Efficiency ratio | 52.0278% | 7,416 |
| Assets per employee ($millions) | 3.0315% | 6,069 |
| Cash dividends to net income (ytd only)* | 122.3529% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 2,785 |
| Loan loss allowance to noncurrent loans | 1,518.1818% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 7,529 |
| Noncurrent loans to loans | 0.1012% | 7,240 |
| Net loans and leases to total assets | 29.4317% | 7,927 |
| Net loans and leases to deposits | 33.5128% | 7,989 |
| Net loans and leases to core deposits | 41.4354% | 7,955 |
| Total domestic deposits to total assets | 87.8221% | 1,834 |
| Equity capital to assets | 11.9717% | 2,282 |
| Core capital (leverage) ratio | 11.1937% | 2,344 |
| Tier 1 risk-based capital ratio | 27.0360% | 819 |
| Total risk-based capital ratio | 28.1731% | 805 |
| Memoranda: | ||
| Average total assets | $71,214,000 | 6,092 |
| Average earning assets | $67,187,000 | 6,002 |
| Average equity | $8,762,000 | 5,789 |
| Average total loans | $22,237,500 | 7,239 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0750% | 5,171 |
| Cost of funding earning assets | 1.7315% | 7,182 |
| Net interest margin | 4.3434% | 1,843 |
| Noninterest income to average assets | 1.3199% | 837 |
| Noninterest expense to average assets | 2.6611% | 5,410 |
| Loan and lease loss provision to assets | 0.1682% | 5,228 |
| Net operating income to assets | 2.5954% | 109 |
| Return on assets (ROA) | 2.7804% | 82 |
| Pretax return on assets | 2.7804% | 121 |
| Return on Equity (ROE) | 21.7454% | 266 |
| Retained earnings to average equity (ytd only) | 5.0596% | 1,993 |
| Net charge-offs to loans | 0.0382% | 6,260 |
| Credit loss provision to net charge-offs | 1,375.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 225.8750% | 213 |
| Efficiency ratio | 49.0555% | 7,730 |
| Assets per employee ($millions) | 3.0293% | 5,988 |
| Cash dividends to net income (ytd only)* | 76.7327% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 2,758 |
| Loan loss allowance to noncurrent loans | 689.7959% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 7,290 |
| Noncurrent loans to loans | 0.2156% | 6,746 |
| Net loans and leases to total assets | 32.1358% | 7,939 |
| Net loans and leases to deposits | 36.8796% | 7,999 |
| Net loans and leases to core deposits | 44.4935% | 7,991 |
| Total domestic deposits to total assets | 87.1371% | 1,872 |
| Equity capital to assets | 12.6505% | 1,943 |
| Core capital (leverage) ratio | 11.8192% | 2,069 |
| Tier 1 risk-based capital ratio | 26.9655% | 830 |
| Total risk-based capital ratio | 28.0997% | 820 |
| Memoranda: | ||
| Average total assets | $65,386,000 | 6,180 |
| Average earning assets | $61,794,400 | 6,096 |
| Average equity | $8,360,400 | 5,960 |
| Average total loans | $20,929,400 | 7,265 |