Home > The Commercial National Bank of Brady > Performance and Condition Ratios
The Commercial National Bank of Brady, 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 | 7.7851% | 159 |
| Cost of funding earning assets | 1.7388% | 2,619 |
| Net interest margin | 6.0463% | 88 |
| Noninterest income to average assets | 0.8000% | 814 |
| Noninterest expense to average assets | 3.2930% | 771 |
| Loan and lease loss provision to assets | 0.1500% | 856 |
| Net operating income to assets | 3.0602% | 134 |
| Return on assets (ROA) | 3.0602% | 136 |
| Pretax return on assets | 3.0602% | 173 |
| Return on Equity (ROE) | 38.8800% | 55 |
| Retained earnings to average equity (ytd only) | 32.6537% | 34 |
| Net charge-offs to loans | 0.0031% | 2,182 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,309.0000% | 69 |
| Efficiency ratio | 50.4712% | 3,862 |
| Assets per employee ($millions) | 5.5981% | 3,238 |
| Cash dividends to net income (ytd only)* | 16.0128% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,109 |
| Loan loss allowance to noncurrent loans | 44.9407% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 2.1693% | 188 |
| Noncurrent loans to loans | 2.7016% | 273 |
| Net loans and leases to total assets | 79.3200% | 671 |
| Net loans and leases to deposits | 86.6291% | 1,440 |
| Net loans and leases to core deposits | 93.6543% | 1,791 |
| Total domestic deposits to total assets | 91.5700% | 376 |
| Equity capital to assets | 8.2250% | 3,476 |
| Core capital (leverage) ratio | 10.0366% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7676% | 1,954 |
| Memoranda: | ||
| Average total assets | $326,513,000 | 2,360 |
| Average earning assets | $307,560,000 | 2,340 |
| Average equity | $25,700,000 | 2,654 |
| Average total loans | $258,812,500 | 2,067 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7251% | 203 |
| Cost of funding earning assets | 1.9460% | 2,348 |
| Net interest margin | 5.7791% | 135 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 3.1400% | 949 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 2.7728% | 170 |
| Return on assets (ROA) | 2.7728% | 170 |
| Pretax return on assets | 2.7728% | 230 |
| Return on Equity (ROE) | 38.8900% | 50 |
| Retained earnings to average equity (ytd only) | 26.3832% | 25 |
| Net charge-offs to loans | -0.0039% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 51.5081% | 3,903 |
| Assets per employee ($millions) | 5.6621% | 3,156 |
| Cash dividends to net income (ytd only)* | 32.1514% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,023 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 77.2500% | 988 |
| Net loans and leases to deposits | 83.6408% | 1,816 |
| Net loans and leases to core deposits | 90.6215% | 2,071 |
| Total domestic deposits to total assets | 92.3600% | 235 |
| Equity capital to assets | 7.5088% | 3,766 |
| Core capital (leverage) ratio | 9.7139% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6576% | 1,986 |
| Memoranda: | ||
| Average total assets | $303,091,000 | 2,448 |
| Average earning assets | $283,090,200 | 2,435 |
| Average equity | $21,612,200 | 2,862 |
| Average total loans | $228,442,000 | 2,196 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5991% | 221 |
| Cost of funding earning assets | 2.0150% | 2,172 |
| Net interest margin | 5.5841% | 172 |
| Noninterest income to average assets | 0.6300% | 1,368 |
| Noninterest expense to average assets | 3.1900% | 848 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 2.4808% | 237 |
| Return on assets (ROA) | 2.4808% | 236 |
| Pretax return on assets | 2.4808% | 328 |
| Return on Equity (ROE) | 35.3000% | 72 |
| Retained earnings to average equity (ytd only) | 26.7019% | 39 |
| Net charge-offs to loans | -0.0054% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 54.4778% | 3,683 |
| Assets per employee ($millions) | 5.5805% | 3,198 |
| Cash dividends to net income (ytd only)* | 24.3511% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 1,880 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 75.8500% | 1,145 |
| Net loans and leases to deposits | 82.7680% | 1,903 |
| Net loans and leases to core deposits | 89.8758% | 2,153 |
| Total domestic deposits to total assets | 91.6400% | 240 |
| Equity capital to assets | 7.9746% | 3,722 |
| Core capital (leverage) ratio | 9.3063% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9124% | 1,931 |
| Memoranda: | ||
| Average total assets | $298,178,500 | 2,466 |
| Average earning assets | $277,708,500 | 2,465 |
| Average equity | $20,956,750 | 2,901 |
| Average total loans | $222,450,000 | 2,212 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9997% | 368 |
| Cost of funding earning assets | 1.9933% | 2,133 |
| Net interest margin | 5.0064% | 331 |
| Noninterest income to average assets | 0.6400% | 1,304 |
| Noninterest expense to average assets | 3.2981% | 727 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 1.8533% | 545 |
| Return on assets (ROA) | 1.8533% | 545 |
| Pretax return on assets | 1.8533% | 789 |
| Return on Equity (ROE) | 27.6600% | 162 |
| Retained earnings to average equity (ytd only) | 17.5296% | 185 |
| Net charge-offs to loans | 0.0083% | 2,104 |
| Credit loss provision to net charge-offs | 2,666.6667% | 193 |
| Earnings coverage of net charge-offs (x) | 330.6667% | 361 |
| Efficiency ratio | 61.8101% | 3,019 |
| Assets per employee ($millions) | 6.0324% | 2,777 |
| Cash dividends to net income (ytd only)* | 36.6228% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 1,993 |
| Loan loss allowance to noncurrent loans | 530.5970% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 2,506 |
| Noncurrent loans to loans | 0.2355% | 2,540 |
| Net loans and leases to total assets | 70.3100% | 1,871 |
| Net loans and leases to deposits | 77.9830% | 2,384 |
| Net loans and leases to core deposits | 84.0492% | 2,527 |
| Total domestic deposits to total assets | 90.1600% | 665 |
| Equity capital to assets | 6.4241% | 4,124 |
| Core capital (leverage) ratio | 8.8048% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0391% | 2,241 |
| Memoranda: | ||
| Average total assets | $295,263,000 | 2,477 |
| Average earning assets | $275,724,333 | 2,468 |
| Average equity | $19,783,667 | 2,959 |
| Average total loans | $218,003,000 | 2,232 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9084% | 373 |
| Cost of funding earning assets | 1.9293% | 2,179 |
| Net interest margin | 4.9791% | 336 |
| Noninterest income to average assets | 0.6500% | 1,194 |
| Noninterest expense to average assets | 3.3112% | 716 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 1.7962% | 572 |
| Return on assets (ROA) | 1.7962% | 580 |
| Pretax return on assets | 1.7962% | 842 |
| Return on Equity (ROE) | 26.2000% | 205 |
| Retained earnings to average equity (ytd only) | 20.0144% | 187 |
| Net charge-offs to loans | 0.0169% | 1,520 |
| Credit loss provision to net charge-offs | 1,333.3333% | 281 |
| Earnings coverage of net charge-offs (x) | 154.5556% | 504 |
| Efficiency ratio | 62.4799% | 2,984 |
| Assets per employee ($millions) | 4.9683% | 3,675 |
| Cash dividends to net income (ytd only)* | 23.6035% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 1,755 |
| Loan loss allowance to noncurrent loans | 344.5006% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 1,952 |
| Noncurrent loans to loans | 0.3775% | 1,998 |
| Net loans and leases to total assets | 75.6900% | 1,108 |
| Net loans and leases to deposits | 85.0534% | 1,625 |
| Net loans and leases to core deposits | 92.3054% | 1,893 |
| Total domestic deposits to total assets | 89.0000% | 1,106 |
| Equity capital to assets | 7.1212% | 3,849 |
| Core capital (leverage) ratio | 9.0355% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6742% | 2,001 |
| Memoranda: | ||
| Average total assets | $283,035,500 | 2,538 |
| Average earning assets | $263,099,500 | 2,527 |
| Average equity | $19,406,000 | 3,002 |
| Average total loans | $213,180,500 | 2,258 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2861% | 442 |
| Cost of funding earning assets | 1.3770% | 2,287 |
| Net interest margin | 4.9091% | 358 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 3.0685% | 1,016 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 2.0148% | 455 |
| Return on assets (ROA) | 2.0148% | 436 |
| Pretax return on assets | 2.0148% | 655 |
| Return on Equity (ROE) | 32.1400% | 151 |
| Retained earnings to average equity (ytd only) | 18.1413% | 187 |
| Net charge-offs to loans | 0.0113% | 2,223 |
| Credit loss provision to net charge-offs | 2,222.7273% | 210 |
| Earnings coverage of net charge-offs (x) | 263.3182% | 478 |
| Efficiency ratio | 57.9554% | 3,300 |
| Assets per employee ($millions) | 5.4225% | 3,314 |
| Cash dividends to net income (ytd only)* | 43.5520% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 2,271 |
| Loan loss allowance to noncurrent loans | 55.3484% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 222 |
| Noncurrent loans to loans | 2.1776% | 245 |
| Net loans and leases to total assets | 73.1500% | 1,456 |
| Net loans and leases to deposits | 82.9689% | 1,869 |
| Net loans and leases to core deposits | 88.3543% | 2,161 |
| Total domestic deposits to total assets | 88.1600% | 1,297 |
| Equity capital to assets | 6.6092% | 4,078 |
| Core capital (leverage) ratio | 8.8188% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4043% | 2,450 |
| Memoranda: | ||
| Average total assets | $263,256,000 | 2,607 |
| Average earning assets | $246,845,400 | 2,593 |
| Average equity | $16,503,800 | 3,139 |
| Average total loans | $194,373,400 | 2,328 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1176% | 461 |
| Cost of funding earning assets | 1.2979% | 2,155 |
| Net interest margin | 4.8197% | 401 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 3.0823% | 953 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.9478% | 537 |
| Return on assets (ROA) | 1.9478% | 529 |
| Pretax return on assets | 1.9478% | 805 |
| Return on Equity (ROE) | 31.5600% | 198 |
| Retained earnings to average equity (ytd only) | 21.3443% | 218 |
| Net charge-offs to loans | 0.0099% | 2,030 |
| Credit loss provision to net charge-offs | 2,635.7143% | 179 |
| Earnings coverage of net charge-offs (x) | 293.3571% | 458 |
| Efficiency ratio | 58.7308% | 3,116 |
| Assets per employee ($millions) | 5.5182% | 3,169 |
| Cash dividends to net income (ytd only)* | 32.3703% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,281 |
| Loan loss allowance to noncurrent loans | 6,947.2222% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 3,716 |
| Noncurrent loans to loans | 0.0175% | 3,655 |
| Net loans and leases to total assets | 73.6500% | 1,380 |
| Net loans and leases to deposits | 78.4886% | 2,205 |
| Net loans and leases to core deposits | 82.7443% | 2,417 |
| Total domestic deposits to total assets | 93.8400% | 198 |
| Equity capital to assets | 5.8203% | 4,045 |
| Core capital (leverage) ratio | 9.0157% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9171% | 2,293 |
| Memoranda: | ||
| Average total assets | $255,865,750 | 2,652 |
| Average earning assets | $240,784,750 | 2,629 |
| Average equity | $15,791,500 | 3,191 |
| Average total loans | $188,767,250 | 2,375 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8785% | 514 |
| Cost of funding earning assets | 1.2113% | 1,949 |
| Net interest margin | 4.6672% | 487 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 3.1230% | 877 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.7674% | 696 |
| Return on assets (ROA) | 1.7674% | 697 |
| Pretax return on assets | 1.7674% | 1,080 |
| Return on Equity (ROE) | 28.0500% | 267 |
| Retained earnings to average equity (ytd only) | 16.4562% | 430 |
| Net charge-offs to loans | 0.0055% | 2,055 |
| Credit loss provision to net charge-offs | 4,920.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 489.6000% | 297 |
| Efficiency ratio | 61.0664% | 2,835 |
| Assets per employee ($millions) | 5.1266% | 3,482 |
| Cash dividends to net income (ytd only)* | 41.3261% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,179 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.2000% | 1,506 |
| Net loans and leases to deposits | 77.0836% | 2,212 |
| Net loans and leases to core deposits | 80.6782% | 2,427 |
| Total domestic deposits to total assets | 93.6600% | 175 |
| Equity capital to assets | 6.0982% | 4,119 |
| Core capital (leverage) ratio | 9.1980% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2966% | 2,176 |
| Memoranda: | ||
| Average total assets | $249,183,667 | 2,695 |
| Average earning assets | $234,787,667 | 2,680 |
| Average equity | $15,702,333 | 3,214 |
| Average total loans | $183,119,333 | 2,410 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 639 |
| Cost of funding earning assets | 1.1274% | 1,674 |
| Net interest margin | 4.3540% | 742 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.9821% | 1,088 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.6178% | 948 |
| Return on assets (ROA) | 1.6178% | 949 |
| Pretax return on assets | 1.6178% | 1,421 |
| Return on Equity (ROE) | 25.2400% | 393 |
| Retained earnings to average equity (ytd only) | 17.5336% | 555 |
| Net charge-offs to loans | 0.0045% | 1,813 |
| Credit loss provision to net charge-offs | 6,150.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 553.0000% | 208 |
| Efficiency ratio | 61.7546% | 2,725 |
| Assets per employee ($millions) | 5.0530% | 3,624 |
| Cash dividends to net income (ytd only)* | 30.5188% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,099 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 71.6800% | 1,458 |
| Net loans and leases to deposits | 76.9834% | 2,041 |
| Net loans and leases to core deposits | 79.9212% | 2,257 |
| Total domestic deposits to total assets | 93.1200% | 290 |
| Equity capital to assets | 6.7686% | 3,930 |
| Core capital (leverage) ratio | 9.0856% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8755% | 2,014 |
| Memoranda: | ||
| Average total assets | $243,047,500 | 2,767 |
| Average earning assets | $228,846,000 | 2,743 |
| Average equity | $15,581,500 | 3,253 |
| Average total loans | $179,100,500 | 2,463 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 360 |
| Cost of funding earning assets | 0.4589% | 1,656 |
| Net interest margin | 4.4451% | 327 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.7875% | 1,343 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 1.7675% | 472 |
| Return on assets (ROA) | 1.8771% | 356 |
| Pretax return on assets | 1.8771% | 614 |
| Return on Equity (ROE) | 26.4100% | 167 |
| Retained earnings to average equity (ytd only) | 13.3310% | 466 |
| Net charge-offs to loans | 0.0244% | 1,571 |
| Credit loss provision to net charge-offs | 1,952.6316% | 267 |
| Earnings coverage of net charge-offs (x) | 124.8684% | 871 |
| Efficiency ratio | 56.9090% | 3,477 |
| Assets per employee ($millions) | 5.6639% | 3,072 |
| Cash dividends to net income (ytd only)* | 49.5178% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 2,498 |
| Loan loss allowance to noncurrent loans | 42,920.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 3,929 |
| Noncurrent loans to loans | 0.0027% | 3,864 |
| Net loans and leases to total assets | 73.8700% | 1,225 |
| Net loans and leases to deposits | 79.6414% | 1,798 |
| Net loans and leases to core deposits | 82.3712% | 1,981 |
| Total domestic deposits to total assets | 92.7600% | 455 |
| Equity capital to assets | 6.0546% | 4,072 |
| Core capital (leverage) ratio | 8.8501% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9291% | 2,402 |
| Memoranda: | ||
| Average total assets | $226,472,200 | 2,863 |
| Average earning assets | $213,111,400 | 2,844 |
| Average equity | $16,097,800 | 3,266 |
| Average total loans | $155,476,800 | 2,587 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 379 |
| Cost of funding earning assets | 0.3168% | 1,999 |
| Net interest margin | 4.3409% | 314 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.8178% | 1,215 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 1.6477% | 597 |
| Return on assets (ROA) | 1.7965% | 427 |
| Pretax return on assets | 1.7965% | 737 |
| Return on Equity (ROE) | 24.2900% | 208 |
| Retained earnings to average equity (ytd only) | 14.5127% | 405 |
| Net charge-offs to loans | 0.0170% | 1,508 |
| Credit loss provision to net charge-offs | 2,731.5789% | 192 |
| Earnings coverage of net charge-offs (x) | 171.8421% | 684 |
| Efficiency ratio | 58.8620% | 3,270 |
| Assets per employee ($millions) | 5.3592% | 3,364 |
| Cash dividends to net income (ytd only)* | 40.2472% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,911 |
| Loan loss allowance to noncurrent loans | 48,550.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,016 |
| Noncurrent loans to loans | 0.0023% | 3,956 |
| Net loans and leases to total assets | 72.5300% | 1,226 |
| Net loans and leases to deposits | 77.3046% | 1,776 |
| Net loans and leases to core deposits | 79.6882% | 1,925 |
| Total domestic deposits to total assets | 93.8300% | 386 |
| Equity capital to assets | 5.9316% | 3,987 |
| Core capital (leverage) ratio | 9.1253% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0742% | 2,444 |
| Memoranda: | ||
| Average total assets | $222,203,000 | 2,905 |
| Average earning assets | $209,137,000 | 2,886 |
| Average equity | $16,435,750 | 3,275 |
| Average total loans | $148,829,250 | 2,651 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 414 |
| Cost of funding earning assets | 0.2264% | 2,565 |
| Net interest margin | 4.2083% | 333 |
| Noninterest income to average assets | 0.6735% | 1,449 |
| Noninterest expense to average assets | 2.7960% | 1,185 |
| Loan and lease loss provision to assets | 0.2720% | 249 |
| Net operating income to assets | 1.5684% | 589 |
| Return on assets (ROA) | 1.7963% | 333 |
| Pretax return on assets | 1.7963% | 605 |
| Return on Equity (ROE) | 22.6640% | 177 |
| Retained earnings to average equity (ytd only) | 12.1725% | 583 |
| Net charge-offs to loans | 0.0256% | 1,210 |
| Credit loss provision to net charge-offs | 1,644.4444% | 280 |
| Earnings coverage of net charge-offs (x) | 111.2778% | 767 |
| Efficiency ratio | 60.3052% | 3,261 |
| Assets per employee ($millions) | 5.2504% | 3,474 |
| Cash dividends to net income (ytd only)* | 46.2916% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,203 |
| Loan loss allowance to noncurrent loans | 172,000.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,083 |
| Noncurrent loans to loans | 0.0006% | 4,016 |
| Net loans and leases to total assets | 70.8656% | 1,214 |
| Net loans and leases to deposits | 75.9090% | 1,690 |
| Net loans and leases to core deposits | 81.2607% | 1,642 |
| Total domestic deposits to total assets | 93.3560% | 422 |
| Equity capital to assets | 6.4567% | 4,034 |
| Core capital (leverage) ratio | 9.2724% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8738% | 2,110 |
| Memoranda: | ||
| Average total assets | $217,669,667 | 2,967 |
| Average earning assets | $204,975,667 | 2,956 |
| Average equity | $17,252,000 | 3,297 |
| Average total loans | $140,779,000 | 2,744 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0834% | 654 |
| Cost of funding earning assets | 0.1925% | 2,901 |
| Net interest margin | 3.8910% | 514 |
| Noninterest income to average assets | 0.6511% | 1,488 |
| Noninterest expense to average assets | 2.6303% | 1,525 |
| Loan and lease loss provision to assets | 0.1720% | 448 |
| Net operating income to assets | 1.5131% | 614 |
| Return on assets (ROA) | 1.9718% | 239 |
| Pretax return on assets | 1.9718% | 384 |
| Return on Equity (ROE) | 22.7304% | 134 |
| Retained earnings to average equity (ytd only) | 16.2269% | 219 |
| Net charge-offs to loans | 0.0061% | 1,533 |
| Credit loss provision to net charge-offs | 4,650.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 455.5000% | 224 |
| Efficiency ratio | 60.9516% | 3,380 |
| Assets per employee ($millions) | 5.5557% | 3,271 |
| Cash dividends to net income (ytd only)* | 28.6116% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 3,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.4381% | 1,800 |
| Net loans and leases to deposits | 67.6089% | 2,193 |
| Net loans and leases to core deposits | 72.0839% | 2,098 |
| Total domestic deposits to total assets | 92.3520% | 450 |
| Equity capital to assets | 7.5571% | 3,894 |
| Core capital (leverage) ratio | 9.7313% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8457% | 1,551 |
| Memoranda: | ||
| Average total assets | $216,246,500 | 2,995 |
| Average earning assets | $203,652,000 | 2,980 |
| Average equity | $18,759,000 | 3,254 |
| Average total loans | $132,173,500 | 2,825 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 964 |
| Cost of funding earning assets | 0.1635% | 3,835 |
| Net interest margin | 4.0552% | 635 |
| Noninterest income to average assets | 0.7372% | 1,630 |
| Noninterest expense to average assets | 2.5764% | 1,932 |
| Loan and lease loss provision to assets | 0.1147% | 1,093 |
| Net operating income to assets | 1.8717% | 435 |
| Return on assets (ROA) | 1.8717% | 464 |
| Pretax return on assets | 1.8717% | 783 |
| Return on Equity (ROE) | 16.6161% | 653 |
| Retained earnings to average equity (ytd only) | 5.5643% | 2,535 |
| Net charge-offs to loans | 0.0097% | 2,202 |
| Credit loss provision to net charge-offs | 2,355.5556% | 278 |
| Earnings coverage of net charge-offs (x) | 407.7778% | 320 |
| Efficiency ratio | 56.4650% | 3,646 |
| Assets per employee ($millions) | 5.6828% | 3,079 |
| Cash dividends to net income (ytd only)* | 66.5124% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 3,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.3155% | 2,340 |
| Net loans and leases to deposits | 64.7042% | 2,623 |
| Net loans and leases to core deposits | 66.9387% | 2,737 |
| Total domestic deposits to total assets | 90.1263% | 901 |
| Equity capital to assets | 9.8561% | 2,792 |
| Core capital (leverage) ratio | 9.9280% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6607% | 1,349 |
| Memoranda: | ||
| Average total assets | $184,753,800 | 3,171 |
| Average earning assets | $174,296,400 | 3,135 |
| Average equity | $20,811,200 | 3,149 |
| Average total loans | $93,066,600 | 3,290 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 881 |
| Cost of funding earning assets | 0.1568% | 4,045 |
| Net interest margin | 4.1942% | 550 |
| Noninterest income to average assets | 0.7310% | 1,727 |
| Noninterest expense to average assets | 2.5100% | 2,092 |
| Loan and lease loss provision to assets | 0.0067% | 2,846 |
| Net operating income to assets | 2.1729% | 342 |
| Return on assets (ROA) | 2.1729% | 360 |
| Pretax return on assets | 2.1729% | 577 |
| Return on Equity (ROE) | 18.6046% | 559 |
| Retained earnings to average equity (ytd only) | 9.6447% | 1,435 |
| Net charge-offs to loans | 0.0125% | 1,869 |
| Credit loss provision to net charge-offs | 112.5000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 364.5000% | 385 |
| Efficiency ratio | 53.5225% | 3,865 |
| Assets per employee ($millions) | 6.3158% | 2,406 |
| Cash dividends to net income (ytd only)* | 48.1596% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 2,376 |
| Loan loss allowance to noncurrent loans | 124,000.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,302 |
| Noncurrent loans to loans | 0.0011% | 4,225 |
| Net loans and leases to total assets | 45.7156% | 3,815 |
| Net loans and leases to deposits | 51.3694% | 3,932 |
| Net loans and leases to core deposits | 52.8603% | 3,991 |
| Total domestic deposits to total assets | 88.9939% | 1,277 |
| Equity capital to assets | 10.7948% | 2,169 |
| Core capital (leverage) ratio | 11.1741% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6350% | 558 |
| Memoranda: | ||
| Average total assets | $178,376,000 | 3,256 |
| Average earning assets | $168,354,750 | 3,229 |
| Average equity | $20,833,000 | 3,177 |
| Average total loans | $85,318,500 | 3,443 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 2,155 |
| Cost of funding earning assets | 0.1595% | 4,127 |
| Net interest margin | 3.6066% | 1,578 |
| Noninterest income to average assets | 0.7544% | 1,659 |
| Noninterest expense to average assets | 2.5647% | 1,945 |
| Loan and lease loss provision to assets | 0.0070% | 2,770 |
| Net operating income to assets | 1.5792% | 1,092 |
| Return on assets (ROA) | 1.5792% | 1,154 |
| Pretax return on assets | 1.5792% | 1,799 |
| Return on Equity (ROE) | 13.1285% | 1,664 |
| Retained earnings to average equity (ytd only) | 2.8871% | 3,873 |
| Net charge-offs to loans | 0.0121% | 1,715 |
| Credit loss provision to net charge-offs | 120.0000% | 1,258 |
| Earnings coverage of net charge-offs (x) | 270.4000% | 401 |
| Efficiency ratio | 61.7863% | 2,762 |
| Assets per employee ($millions) | 5.4305% | 3,208 |
| Cash dividends to net income (ytd only)* | 78.0089% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 1,935 |
| Loan loss allowance to noncurrent loans | 992.0000% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,747 |
| Noncurrent loans to loans | 0.1421% | 3,486 |
| Net loans and leases to total assets | 48.3879% | 3,689 |
| Net loans and leases to deposits | 55.0761% | 3,786 |
| Net loans and leases to core deposits | 56.6162% | 3,851 |
| Total domestic deposits to total assets | 87.8564% | 1,908 |
| Equity capital to assets | 11.4304% | 1,673 |
| Core capital (leverage) ratio | 11.3641% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8976% | 487 |
| Memoranda: | ||
| Average total assets | $170,466,000 | 3,333 |
| Average earning assets | $160,540,333 | 3,302 |
| Average equity | $20,505,000 | 3,204 |
| Average total loans | $82,546,667 | 3,505 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4118% | 3,161 |
| Cost of funding earning assets | 0.1638% | 4,209 |
| Net interest margin | 3.2480% | 2,552 |
| Noninterest income to average assets | 0.7586% | 1,688 |
| Noninterest expense to average assets | 2.5287% | 2,092 |
| Loan and lease loss provision to assets | 0.0072% | 2,674 |
| Net operating income to assets | 1.2788% | 1,895 |
| Return on assets (ROA) | 1.2788% | 1,966 |
| Pretax return on assets | 1.2788% | 2,630 |
| Return on Equity (ROE) | 10.3531% | 2,577 |
| Retained earnings to average equity (ytd only) | 3.5290% | 3,626 |
| Net charge-offs to loans | 0.0200% | 1,339 |
| Credit loss provision to net charge-offs | 75.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 524 |
| Efficiency ratio | 66.2879% | 2,182 |
| Assets per employee ($millions) | 5.0505% | 3,600 |
| Cash dividends to net income (ytd only)* | 65.9134% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 1,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.0517% | 3,811 |
| Net loans and leases to deposits | 54.8441% | 3,885 |
| Net loans and leases to core deposits | 56.4589% | 3,944 |
| Total domestic deposits to total assets | 87.6151% | 2,040 |
| Equity capital to assets | 11.9184% | 1,328 |
| Core capital (leverage) ratio | 11.9173% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8413% | 417 |
| Memoranda: | ||
| Average total assets | $166,096,000 | 3,376 |
| Average earning assets | $156,283,000 | 3,346 |
| Average equity | $20,515,500 | 3,200 |
| Average total loans | $79,843,000 | 3,561 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 2,500 |
| Cost of funding earning assets | 0.2366% | 4,434 |
| Net interest margin | 3.8366% | 1,404 |
| Noninterest income to average assets | 0.7221% | 1,782 |
| Noninterest expense to average assets | 2.6688% | 2,330 |
| Loan and lease loss provision to assets | 0.0078% | 4,256 |
| Net operating income to assets | 1.6303% | 601 |
| Return on assets (ROA) | 1.6303% | 646 |
| Pretax return on assets | 1.6303% | 1,002 |
| Return on Equity (ROE) | 12.3582% | 1,218 |
| Retained earnings to average equity (ytd only) | 1.4987% | 4,034 |
| Net charge-offs to loans | 0.0241% | 2,559 |
| Credit loss provision to net charge-offs | 63.1579% | 3,076 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 636 |
| Efficiency ratio | 61.9657% | 3,141 |
| Assets per employee ($millions) | 4.8629% | 3,534 |
| Cash dividends to net income (ytd only)* | 87.8728% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 1,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 46.5468% | 4,094 |
| Net loans and leases to deposits | 53.4104% | 4,139 |
| Net loans and leases to core deposits | 54.8941% | 4,214 |
| Total domestic deposits to total assets | 87.1494% | 1,865 |
| Equity capital to assets | 12.8151% | 1,173 |
| Core capital (leverage) ratio | 12.3072% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3468% | 372 |
| Memoranda: | ||
| Average total assets | $154,266,200 | 3,349 |
| Average earning assets | $144,138,000 | 3,331 |
| Average equity | $20,350,800 | 3,158 |
| Average total loans | $78,916,400 | 3,571 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 2,702 |
| Cost of funding earning assets | 0.2546% | 4,496 |
| Net interest margin | 3.8349% | 1,519 |
| Noninterest income to average assets | 0.6993% | 1,807 |
| Noninterest expense to average assets | 2.6934% | 2,282 |
| Loan and lease loss provision to assets | 0.0079% | 4,195 |
| Net operating income to assets | 1.5750% | 774 |
| Return on assets (ROA) | 1.5750% | 847 |
| Pretax return on assets | 1.5750% | 1,259 |
| Return on Equity (ROE) | 11.8502% | 1,416 |
| Retained earnings to average equity (ytd only) | 2.5881% | 3,691 |
| Net charge-offs to loans | 0.0285% | 2,263 |
| Credit loss provision to net charge-offs | 52.9412% | 2,876 |
| Earnings coverage of net charge-offs (x) | 106.6471% | 757 |
| Efficiency ratio | 62.9849% | 2,918 |
| Assets per employee ($millions) | 4.7498% | 3,540 |
| Cash dividends to net income (ytd only)* | 78.1596% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 52.0693% | 3,960 |
| Net loans and leases to deposits | 60.3303% | 4,040 |
| Net loans and leases to core deposits | 62.3499% | 4,086 |
| Total domestic deposits to total assets | 86.3071% | 1,937 |
| Equity capital to assets | 13.2846% | 1,072 |
| Core capital (leverage) ratio | 12.6921% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1808% | 398 |
| Memoranda: | ||
| Average total assets | $152,714,000 | 3,353 |
| Average earning assets | $142,442,500 | 3,338 |
| Average equity | $20,297,250 | 3,151 |
| Average total loans | $79,661,750 | 3,579 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 2,775 |
| Cost of funding earning assets | 0.2792% | 4,537 |
| Net interest margin | 3.9172% | 1,531 |
| Noninterest income to average assets | 0.7056% | 1,719 |
| Noninterest expense to average assets | 2.7139% | 2,344 |
| Loan and lease loss provision to assets | 0.0079% | 4,093 |
| Net operating income to assets | 1.6357% | 700 |
| Return on assets (ROA) | 1.6357% | 766 |
| Pretax return on assets | 1.6357% | 1,138 |
| Return on Equity (ROE) | 12.3049% | 1,259 |
| Retained earnings to average equity (ytd only) | 1.7692% | 3,844 |
| Net charge-offs to loans | 0.0153% | 2,440 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 207.3333% | 429 |
| Efficiency ratio | 62.2802% | 3,076 |
| Assets per employee ($millions) | 4.8158% | 3,401 |
| Cash dividends to net income (ytd only)* | 85.6220% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 1,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 50.6484% | 4,126 |
| Net loans and leases to deposits | 58.4594% | 4,197 |
| Net loans and leases to core deposits | 60.3879% | 4,240 |
| Total domestic deposits to total assets | 86.6386% | 1,758 |
| Equity capital to assets | 13.0203% | 1,153 |
| Core capital (leverage) ratio | 12.5141% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2698% | 436 |
| Memoranda: | ||
| Average total assets | $151,370,333 | 3,347 |
| Average earning assets | $141,120,000 | 3,335 |
| Average equity | $20,122,000 | 3,162 |
| Average total loans | $78,597,667 | 3,607 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 2,742 |
| Cost of funding earning assets | 0.3380% | 4,557 |
| Net interest margin | 4.0238% | 1,327 |
| Noninterest income to average assets | 0.7182% | 1,577 |
| Noninterest expense to average assets | 2.9378% | 2,032 |
| Loan and lease loss provision to assets | 0.0081% | 3,657 |
| Net operating income to assets | 1.5150% | 755 |
| Return on assets (ROA) | 1.5150% | 823 |
| Pretax return on assets | 1.5150% | 1,266 |
| Return on Equity (ROE) | 11.2719% | 1,338 |
| Retained earnings to average equity (ytd only) | 4.2143% | 2,598 |
| Net charge-offs to loans | 0.0312% | 1,761 |
| Credit loss provision to net charge-offs | 50.0000% | 2,057 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 602 |
| Efficiency ratio | 65.8566% | 2,992 |
| Assets per employee ($millions) | 4.3913% | 3,421 |
| Cash dividends to net income (ytd only)* | 62.6118% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 1,036 |
| Loan loss allowance to noncurrent loans | 20,716.6667% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,624 |
| Noncurrent loans to loans | 0.0078% | 4,545 |
| Net loans and leases to total assets | 50.7689% | 4,197 |
| Net loans and leases to deposits | 58.8007% | 4,255 |
| Net loans and leases to core deposits | 60.9393% | 4,318 |
| Total domestic deposits to total assets | 86.3406% | 1,859 |
| Equity capital to assets | 13.5603% | 1,199 |
| Core capital (leverage) ratio | 12.9272% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2910% | 481 |
| Memoranda: | ||
| Average total assets | $147,595,000 | 3,357 |
| Average earning assets | $137,284,000 | 3,352 |
| Average equity | $19,837,000 | 3,183 |
| Average total loans | $77,028,000 | 3,628 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4806% | 3,012 |
| Cost of funding earning assets | 0.4510% | 4,265 |
| Net interest margin | 4.0296% | 1,753 |
| Noninterest income to average assets | 0.6965% | 1,835 |
| Noninterest expense to average assets | 2.6493% | 3,031 |
| Loan and lease loss provision to assets | 0.0474% | 3,079 |
| Net operating income to assets | 1.7436% | 601 |
| Return on assets (ROA) | 1.7436% | 638 |
| Pretax return on assets | 1.7436% | 1,081 |
| Return on Equity (ROE) | 14.2085% | 861 |
| Retained earnings to average equity (ytd only) | 1.8813% | 4,052 |
| Net charge-offs to loans | 0.0415% | 2,562 |
| Credit loss provision to net charge-offs | 218.1818% | 1,214 |
| Earnings coverage of net charge-offs (x) | 82.5152% | 775 |
| Efficiency ratio | 59.6652% | 3,743 |
| Assets per employee ($millions) | 4.5589% | 3,145 |
| Cash dividends to net income (ytd only)* | 86.7597% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,616 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 51.9358% | 4,230 |
| Net loans and leases to deposits | 59.9323% | 4,293 |
| Net loans and leases to core deposits | 62.0085% | 4,354 |
| Total domestic deposits to total assets | 86.6574% | 1,778 |
| Equity capital to assets | 13.3172% | 1,358 |
| Core capital (leverage) ratio | 13.0472% | 1,215 |
| Tier 1 risk-based capital ratio | 22.5406% | 961 |
| Total risk-based capital ratio | 23.7928% | 946 |
| Memoranda: | ||
| Average total assets | $152,042,600 | 3,269 |
| Average earning assets | $141,254,800 | 3,261 |
| Average equity | $18,657,800 | 3,262 |
| Average total loans | $79,510,000 | 3,610 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4845% | 3,107 |
| Cost of funding earning assets | 0.4887% | 4,187 |
| Net interest margin | 3.9958% | 1,956 |
| Noninterest income to average assets | 0.6884% | 1,834 |
| Noninterest expense to average assets | 2.6947% | 2,884 |
| Loan and lease loss provision to assets | 0.0469% | 2,962 |
| Net operating income to assets | 1.6590% | 815 |
| Return on assets (ROA) | 1.6590% | 855 |
| Pretax return on assets | 1.6590% | 1,443 |
| Return on Equity (ROE) | 13.7986% | 1,028 |
| Retained earnings to average equity (ytd only) | 3.6897% | 3,553 |
| Net charge-offs to loans | 0.0250% | 2,601 |
| Credit loss provision to net charge-offs | 360.0000% | 836 |
| Earnings coverage of net charge-offs (x) | 130.9965% | 604 |
| Efficiency ratio | 61.2350% | 3,448 |
| Assets per employee ($millions) | 4.6226% | 3,014 |
| Cash dividends to net income (ytd only)* | 73.2600% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 1,039 |
| Loan loss allowance to noncurrent loans | 3,664.7059% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 4,073 |
| Noncurrent loans to loans | 0.0431% | 4,455 |
| Net loans and leases to total assets | 52.5222% | 4,284 |
| Net loans and leases to deposits | 60.7090% | 4,354 |
| Net loans and leases to core deposits | 62.3249% | 4,444 |
| Total domestic deposits to total assets | 86.5147% | 1,766 |
| Equity capital to assets | 13.2230% | 1,501 |
| Core capital (leverage) ratio | 13.0167% | 1,335 |
| Tier 1 risk-based capital ratio | 22.2109% | 1,039 |
| Total risk-based capital ratio | 23.4623% | 1,012 |
| Memoranda: | ||
| Average total assets | $153,581,750 | 3,288 |
| Average earning assets | $142,679,250 | 3,276 |
| Average equity | $18,465,250 | 3,305 |
| Average total loans | $80,134,250 | 3,636 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 3,355 |
| Cost of funding earning assets | 0.5079% | 4,084 |
| Net interest margin | 3.8839% | 2,289 |
| Noninterest income to average assets | 0.6882% | 1,763 |
| Noninterest expense to average assets | 2.6848% | 2,953 |
| Loan and lease loss provision to assets | 0.0463% | 2,891 |
| Net operating income to assets | 1.5772% | 955 |
| Return on assets (ROA) | 1.5772% | 994 |
| Pretax return on assets | 1.5772% | 1,616 |
| Return on Equity (ROE) | 13.5467% | 1,091 |
| Retained earnings to average equity (ytd only) | 1.9447% | 4,132 |
| Net charge-offs to loans | 0.0124% | 2,692 |
| Credit loss provision to net charge-offs | 720.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 252.4000% | 322 |
| Efficiency ratio | 62.3171% | 3,380 |
| Assets per employee ($millions) | 4.7529% | 2,800 |
| Cash dividends to net income (ytd only)* | 85.6444% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 1,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 4,235 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 51.3498% | 4,395 |
| Net loans and leases to deposits | 58.8724% | 4,481 |
| Net loans and leases to core deposits | 60.3921% | 4,559 |
| Total domestic deposits to total assets | 87.2222% | 1,483 |
| Equity capital to assets | 12.5233% | 1,844 |
| Core capital (leverage) ratio | 12.1419% | 1,732 |
| Tier 1 risk-based capital ratio | 21.8598% | 1,071 |
| Total risk-based capital ratio | 23.1110% | 1,047 |
| Memoranda: | ||
| Average total assets | $155,467,670 | 3,291 |
| Average earning assets | $144,906,670 | 3,273 |
| Average equity | $18,100,330 | 3,340 |
| Average total loans | $80,532,670 | 3,652 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 3,548 |
| Cost of funding earning assets | 0.5091% | 4,019 |
| Net interest margin | 3.7924% | 2,556 |
| Noninterest income to average assets | 0.6694% | 1,728 |
| Noninterest expense to average assets | 2.7183% | 2,851 |
| Loan and lease loss provision to assets | 0.0458% | 2,729 |
| Net operating income to assets | 1.4508% | 1,230 |
| Return on assets (ROA) | 1.4508% | 1,260 |
| Pretax return on assets | 1.4508% | 1,918 |
| Return on Equity (ROE) | 12.9347% | 1,237 |
| Retained earnings to average equity (ytd only) | 4.9923% | 2,909 |
| Net charge-offs to loans | 0.0148% | 2,182 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 396 |
| Efficiency ratio | 64.4928% | 3,163 |
| Assets per employee ($millions) | 4.9981% | 2,521 |
| Cash dividends to net income (ytd only)* | 61.4035% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 4,315 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 49.2547% | 4,510 |
| Net loans and leases to deposits | 55.5871% | 4,619 |
| Net loans and leases to core deposits | 56.6614% | 4,685 |
| Total domestic deposits to total assets | 88.6082% | 1,033 |
| Equity capital to assets | 11.2423% | 2,609 |
| Core capital (leverage) ratio | 12.1027% | 1,710 |
| Tier 1 risk-based capital ratio | 21.6569% | 1,089 |
| Total risk-based capital ratio | 22.9085% | 1,072 |
| Memoranda: | ||
| Average total assets | $157,155,500 | 3,321 |
| Average earning assets | $146,925,000 | 3,296 |
| Average equity | $17,627,000 | 3,395 |
| Average total loans | $81,130,500 | 3,670 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 3,692 |
| Cost of funding earning assets | 0.3548% | 4,254 |
| Net interest margin | 3.7613% | 2,818 |
| Noninterest income to average assets | 0.6261% | 2,164 |
| Noninterest expense to average assets | 2.4245% | 3,818 |
| Loan and lease loss provision to assets | 0.0519% | 3,142 |
| Net operating income to assets | 1.6677% | 739 |
| Return on assets (ROA) | 1.6820% | 717 |
| Pretax return on assets | 1.6820% | 1,212 |
| Return on Equity (ROE) | 16.2794% | 571 |
| Retained earnings to average equity (ytd only) | 2.4148% | 4,178 |
| Net charge-offs to loans | 0.0421% | 2,572 |
| Credit loss provision to net charge-offs | 255.8824% | 1,170 |
| Earnings coverage of net charge-offs (x) | 84.7353% | 832 |
| Efficiency ratio | 58.5050% | 4,081 |
| Assets per employee ($millions) | 4.5403% | 3,105 |
| Cash dividends to net income (ytd only)* | 85.1668% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 1,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 4,314 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 52.5060% | 4,382 |
| Net loans and leases to deposits | 59.9343% | 4,481 |
| Net loans and leases to core deposits | 61.1479% | 4,579 |
| Total domestic deposits to total assets | 87.6058% | 1,483 |
| Equity capital to assets | 11.1893% | 2,523 |
| Core capital (leverage) ratio | 11.8917% | 1,806 |
| Tier 1 risk-based capital ratio | 20.8489% | 1,171 |
| Total risk-based capital ratio | 22.0993% | 1,156 |
| Memoranda: | ||
| Average total assets | $167,541,000 | 3,194 |
| Average earning assets | $156,699,800 | 3,174 |
| Average equity | $17,310,200 | 3,361 |
| Average total loans | $80,822,200 | 3,652 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,751 |
| Cost of funding earning assets | 0.3277% | 4,325 |
| Net interest margin | 3.7341% | 2,881 |
| Noninterest income to average assets | 0.6010% | 2,302 |
| Noninterest expense to average assets | 2.4140% | 3,822 |
| Loan and lease loss provision to assets | 0.0539% | 2,893 |
| Net operating income to assets | 1.6281% | 899 |
| Return on assets (ROA) | 1.6468% | 860 |
| Pretax return on assets | 1.6468% | 1,427 |
| Return on Equity (ROE) | 16.2433% | 656 |
| Retained earnings to average equity (ytd only) | 5.4657% | 2,977 |
| Net charge-offs to loans | 0.0547% | 2,037 |
| Credit loss provision to net charge-offs | 209.0909% | 1,336 |
| Earnings coverage of net charge-offs (x) | 65.3014% | 997 |
| Efficiency ratio | 58.9367% | 3,969 |
| Assets per employee ($millions) | 4.6475% | 2,920 |
| Cash dividends to net income (ytd only)* | 66.3508% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 4,472 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 50.0668% | 4,593 |
| Net loans and leases to deposits | 56.3310% | 4,735 |
| Net loans and leases to core deposits | 56.6473% | 4,828 |
| Total domestic deposits to total assets | 88.8795% | 884 |
| Equity capital to assets | 10.8218% | 2,827 |
| Core capital (leverage) ratio | 11.5880% | 2,104 |
| Tier 1 risk-based capital ratio | 21.6488% | 1,098 |
| Total risk-based capital ratio | 22.8997% | 1,081 |
| Memoranda: | ||
| Average total assets | $170,833,500 | 3,189 |
| Average earning assets | $159,890,250 | 3,168 |
| Average equity | $17,319,500 | 3,388 |
| Average total loans | $80,462,500 | 3,689 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,913 |
| Cost of funding earning assets | 0.3112% | 4,338 |
| Net interest margin | 3.6433% | 3,144 |
| Noninterest income to average assets | 0.5859% | 2,402 |
| Noninterest expense to average assets | 2.3197% | 4,102 |
| Loan and lease loss provision to assets | 0.0583% | 2,736 |
| Net operating income to assets | 1.6173% | 887 |
| Return on assets (ROA) | 1.6173% | 891 |
| Pretax return on assets | 1.6173% | 1,451 |
| Return on Equity (ROE) | 16.2827% | 614 |
| Retained earnings to average equity (ytd only) | 4.2087% | 3,504 |
| Net charge-offs to loans | 0.0696% | 1,644 |
| Credit loss provision to net charge-offs | 182.1429% | 1,394 |
| Earnings coverage of net charge-offs (x) | 52.3929% | 1,097 |
| Efficiency ratio | 58.0617% | 4,224 |
| Assets per employee ($millions) | 4.9131% | 2,536 |
| Cash dividends to net income (ytd only)* | 74.1525% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 1,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 4,542 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 46.5548% | 4,793 |
| Net loans and leases to deposits | 51.9663% | 4,916 |
| Net loans and leases to core deposits | 52.3275% | 4,981 |
| Total domestic deposits to total assets | 89.5866% | 710 |
| Equity capital to assets | 10.2003% | 3,437 |
| Core capital (leverage) ratio | 10.6000% | 2,924 |
| Tier 1 risk-based capital ratio | 20.9483% | 1,184 |
| Total risk-based capital ratio | 22.1991% | 1,158 |
| Memoranda: | ||
| Average total assets | $175,106,330 | 3,148 |
| Average earning assets | $163,862,670 | 3,132 |
| Average equity | $17,392,670 | 3,403 |
| Average total loans | $80,515,670 | 3,701 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 3,975 |
| Cost of funding earning assets | 0.2889% | 4,424 |
| Net interest margin | 3.5952% | 3,201 |
| Noninterest income to average assets | 0.5850% | 2,334 |
| Noninterest expense to average assets | 2.3178% | 4,152 |
| Loan and lease loss provision to assets | 0.0737% | 2,294 |
| Net operating income to assets | 1.5563% | 944 |
| Return on assets (ROA) | 1.5563% | 952 |
| Pretax return on assets | 1.5563% | 1,510 |
| Return on Equity (ROE) | 15.8684% | 648 |
| Retained earnings to average equity (ytd only) | 7.9001% | 1,879 |
| Net charge-offs to loans | 0.0984% | 1,198 |
| Credit loss provision to net charge-offs | 165.0000% | 1,173 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,117 |
| Efficiency ratio | 58.7104% | 4,264 |
| Assets per employee ($millions) | 5.3008% | 2,140 |
| Cash dividends to net income (ytd only)* | 50.2152% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 1,665 |
| Loan loss allowance to noncurrent loans | 8,335.7143% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 4,617 |
| Noncurrent loans to loans | 0.0174% | 4,914 |
| Net loans and leases to total assets | 44.0430% | 4,892 |
| Net loans and leases to deposits | 48.7726% | 5,017 |
| Net loans and leases to core deposits | 49.2370% | 5,062 |
| Total domestic deposits to total assets | 90.3027% | 541 |
| Equity capital to assets | 9.5746% | 4,017 |
| Core capital (leverage) ratio | 10.4261% | 3,033 |
| Tier 1 risk-based capital ratio | 20.4244% | 1,276 |
| Total risk-based capital ratio | 21.6738% | 1,256 |
| Memoranda: | ||
| Average total assets | $179,137,500 | 3,136 |
| Average earning assets | $167,557,000 | 3,126 |
| Average equity | $17,569,500 | 3,413 |
| Average total loans | $81,301,500 | 3,728 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 3,860 |
| Cost of funding earning assets | 0.2042% | 4,913 |
| Net interest margin | 3.6531% | 2,977 |
| Noninterest income to average assets | 0.5602% | 2,656 |
| Noninterest expense to average assets | 2.2592% | 4,423 |
| Loan and lease loss provision to assets | 0.0417% | 3,423 |
| Net operating income to assets | 1.6591% | 574 |
| Return on assets (ROA) | 1.6591% | 589 |
| Pretax return on assets | 1.6591% | 1,123 |
| Return on Equity (ROE) | 15.6563% | 522 |
| Retained earnings to average equity (ytd only) | 2.5365% | 3,809 |
| Net charge-offs to loans | 0.0149% | 3,589 |
| Credit loss provision to net charge-offs | 600.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 244.6667% | 342 |
| Efficiency ratio | 57.0509% | 4,649 |
| Assets per employee ($millions) | 5.2367% | 2,212 |
| Cash dividends to net income (ytd only)* | 83.7989% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 1,740 |
| Loan loss allowance to noncurrent loans | 7,212.5000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 4,641 |
| Noncurrent loans to loans | 0.0195% | 4,930 |
| Net loans and leases to total assets | 45.4397% | 4,917 |
| Net loans and leases to deposits | 50.5482% | 5,042 |
| Net loans and leases to core deposits | 50.7971% | 5,108 |
| Total domestic deposits to total assets | 89.8938% | 606 |
| Equity capital to assets | 10.0439% | 3,654 |
| Core capital (leverage) ratio | 10.2642% | 3,110 |
| Tier 1 risk-based capital ratio | 20.0893% | 1,299 |
| Total risk-based capital ratio | 21.3394% | 1,260 |
| Memoranda: | ||
| Average total assets | $172,626,200 | 3,215 |
| Average earning assets | $160,657,000 | 3,190 |
| Average equity | $18,293,000 | 3,331 |
| Average total loans | $80,753,400 | 3,735 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 3,876 |
| Cost of funding earning assets | 0.1921% | 5,038 |
| Net interest margin | 3.6459% | 2,972 |
| Noninterest income to average assets | 0.5574% | 2,684 |
| Noninterest expense to average assets | 2.2911% | 4,324 |
| Loan and lease loss provision to assets | 0.0420% | 3,268 |
| Net operating income to assets | 1.6231% | 677 |
| Return on assets (ROA) | 1.6231% | 698 |
| Pretax return on assets | 1.6231% | 1,340 |
| Return on Equity (ROE) | 15.1120% | 636 |
| Retained earnings to average equity (ytd only) | 4.9649% | 2,912 |
| Net charge-offs to loans | 0.0182% | 3,131 |
| Credit loss provision to net charge-offs | 490.9091% | 656 |
| Earnings coverage of net charge-offs (x) | 194.4056% | 446 |
| Efficiency ratio | 57.9103% | 4,512 |
| Assets per employee ($millions) | 5.2052% | 2,223 |
| Cash dividends to net income (ytd only)* | 67.1463% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 1,686 |
| Loan loss allowance to noncurrent loans | 689.0909% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 4,770 |
| Noncurrent loans to loans | 0.2111% | 4,227 |
| Net loans and leases to total assets | 43.5144% | 5,053 |
| Net loans and leases to deposits | 48.8838% | 5,164 |
| Net loans and leases to core deposits | 49.1279% | 5,229 |
| Total domestic deposits to total assets | 89.0160% | 881 |
| Equity capital to assets | 10.7534% | 3,117 |
| Core capital (leverage) ratio | 10.7443% | 2,710 |
| Tier 1 risk-based capital ratio | 20.7299% | 1,242 |
| Total risk-based capital ratio | 21.9796% | 1,211 |
| Memoranda: | ||
| Average total assets | $171,270,500 | 3,256 |
| Average earning assets | $159,664,000 | 3,229 |
| Average equity | $18,395,500 | 3,344 |
| Average total loans | $80,427,000 | 3,770 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 3,685 |
| Cost of funding earning assets | 0.1820% | 5,125 |
| Net interest margin | 3.6777% | 2,727 |
| Noninterest income to average assets | 0.5786% | 2,565 |
| Noninterest expense to average assets | 2.2873% | 4,382 |
| Loan and lease loss provision to assets | 0.0425% | 3,146 |
| Net operating income to assets | 1.6615% | 616 |
| Return on assets (ROA) | 1.6615% | 634 |
| Pretax return on assets | 1.6615% | 1,158 |
| Return on Equity (ROE) | 15.4754% | 599 |
| Retained earnings to average equity (ytd only) | 3.9266% | 3,358 |
| Net charge-offs to loans | 0.0197% | 2,847 |
| Credit loss provision to net charge-offs | 450.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 180.3750% | 443 |
| Efficiency ratio | 57.3077% | 4,673 |
| Assets per employee ($millions) | 4.7500% | 2,723 |
| Cash dividends to net income (ytd only)* | 74.6269% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 1,855 |
| Loan loss allowance to noncurrent loans | 5,100.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 5,081 |
| Noncurrent loans to loans | 0.0279% | 5,052 |
| Net loans and leases to total assets | 44.2572% | 5,028 |
| Net loans and leases to deposits | 49.6287% | 5,155 |
| Net loans and leases to core deposits | 49.7184% | 5,235 |
| Total domestic deposits to total assets | 89.1767% | 871 |
| Equity capital to assets | 10.6344% | 3,188 |
| Core capital (leverage) ratio | 10.3117% | 3,129 |
| Tier 1 risk-based capital ratio | 20.6708% | 1,250 |
| Total risk-based capital ratio | 21.9212% | 1,221 |
| Memoranda: | ||
| Average total assets | $169,368,670 | 3,288 |
| Average earning assets | $157,164,670 | 3,282 |
| Average equity | $18,183,670 | 3,374 |
| Average total loans | $81,187,000 | 3,763 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 3,576 |
| Cost of funding earning assets | 0.1655% | 5,262 |
| Net interest margin | 3.6860% | 2,531 |
| Noninterest income to average assets | 0.5849% | 2,488 |
| Noninterest expense to average assets | 2.3854% | 4,163 |
| Loan and lease loss provision to assets | 0.0433% | 2,935 |
| Net operating income to assets | 1.5863% | 699 |
| Return on assets (ROA) | 1.5863% | 712 |
| Pretax return on assets | 1.5863% | 1,271 |
| Return on Equity (ROE) | 14.7012% | 688 |
| Retained earnings to average equity (ytd only) | 6.8933% | 1,893 |
| Net charge-offs to loans | 0.0049% | 2,809 |
| Credit loss provision to net charge-offs | 1,800.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 677.0000% | 78 |
| Efficiency ratio | 59.4125% | 4,542 |
| Assets per employee ($millions) | 5.0779% | 2,338 |
| Cash dividends to net income (ytd only)* | 53.1108% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 2,175 |
| Loan loss allowance to noncurrent loans | 4,629.1667% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 5,132 |
| Noncurrent loans to loans | 0.0298% | 5,094 |
| Net loans and leases to total assets | 46.0518% | 4,938 |
| Net loans and leases to deposits | 51.5469% | 5,050 |
| Net loans and leases to core deposits | 51.6416% | 5,162 |
| Total domestic deposits to total assets | 89.3396% | 982 |
| Equity capital to assets | 10.5480% | 3,133 |
| Core capital (leverage) ratio | 11.1837% | 2,204 |
| Tier 1 risk-based capital ratio | 20.4751% | 1,302 |
| Total risk-based capital ratio | 21.7249% | 1,273 |
| Memoranda: | ||
| Average total assets | $166,178,000 | 3,357 |
| Average earning assets | $154,639,000 | 3,336 |
| Average equity | $17,930,500 | 3,417 |
| Average total loans | $82,328,500 | 3,757 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 3,365 |
| Cost of funding earning assets | 0.1529% | 5,406 |
| Net interest margin | 3.8019% | 2,314 |
| Noninterest income to average assets | 0.5706% | 2,815 |
| Noninterest expense to average assets | 2.3591% | 4,399 |
| Loan and lease loss provision to assets | 0.0433% | 3,518 |
| Net operating income to assets | 1.7180% | 520 |
| Return on assets (ROA) | 1.7372% | 526 |
| Pretax return on assets | 1.7372% | 919 |
| Return on Equity (ROE) | 15.0895% | 615 |
| Retained earnings to average equity (ytd only) | 3.2757% | 3,581 |
| Net charge-offs to loans | 0.0064% | 4,033 |
| Credit loss provision to net charge-offs | 1,400.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 569.8000% | 148 |
| Efficiency ratio | 57.2543% | 4,930 |
| Assets per employee ($millions) | 4.6973% | 2,792 |
| Cash dividends to net income (ytd only)* | 78.2918% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,533 |
| Loan loss allowance to noncurrent loans | 4,376.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 5,152 |
| Noncurrent loans to loans | 0.0297% | 5,149 |
| Net loans and leases to total assets | 51.9351% | 4,614 |
| Net loans and leases to deposits | 58.4302% | 4,763 |
| Net loans and leases to core deposits | 59.0681% | 4,899 |
| Total domestic deposits to total assets | 88.8840% | 1,166 |
| Equity capital to assets | 11.0515% | 2,591 |
| Core capital (leverage) ratio | 11.1183% | 2,238 |
| Tier 1 risk-based capital ratio | 19.0536% | 1,584 |
| Total risk-based capital ratio | 20.2251% | 1,568 |
| Memoranda: | ||
| Average total assets | $161,756,200 | 3,378 |
| Average earning assets | $151,030,800 | 3,356 |
| Average equity | $18,622,200 | 3,325 |
| Average total loans | $77,952,800 | 3,850 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 3,614 |
| Cost of funding earning assets | 0.1516% | 5,478 |
| Net interest margin | 3.7396% | 2,555 |
| Noninterest income to average assets | 0.5711% | 2,805 |
| Noninterest expense to average assets | 2.3557% | 4,398 |
| Loan and lease loss provision to assets | 0.0411% | 3,415 |
| Net operating income to assets | 1.6811% | 616 |
| Return on assets (ROA) | 1.7066% | 622 |
| Pretax return on assets | 1.7066% | 1,099 |
| Return on Equity (ROE) | 14.6792% | 708 |
| Retained earnings to average equity (ytd only) | 6.1982% | 2,063 |
| Net charge-offs to loans | 0.0052% | 3,722 |
| Credit loss provision to net charge-offs | 1,666.6667% | 281 |
| Earnings coverage of net charge-offs (x) | 698.6500% | 131 |
| Efficiency ratio | 57.7675% | 4,849 |
| Assets per employee ($millions) | 4.5295% | 3,041 |
| Cash dividends to net income (ytd only)* | 57.7757% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 2,459 |
| Loan loss allowance to noncurrent loans | 3,985.1852% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 5,263 |
| Noncurrent loans to loans | 0.0338% | 5,242 |
| Net loans and leases to total assets | 49.7713% | 4,834 |
| Net loans and leases to deposits | 56.9971% | 4,933 |
| Net loans and leases to core deposits | 57.7484% | 5,067 |
| Total domestic deposits to total assets | 87.3225% | 1,750 |
| Equity capital to assets | 12.4113% | 1,834 |
| Core capital (leverage) ratio | 11.6312% | 1,933 |
| Tier 1 risk-based capital ratio | 20.5894% | 1,342 |
| Total risk-based capital ratio | 21.8161% | 1,314 |
| Memoranda: | ||
| Average total assets | $162,268,500 | 3,391 |
| Average earning assets | $152,168,000 | 3,365 |
| Average equity | $18,865,250 | 3,311 |
| Average total loans | $76,431,500 | 3,922 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 3,811 |
| Cost of funding earning assets | 0.1515% | 5,539 |
| Net interest margin | 3.6869% | 2,744 |
| Noninterest income to average assets | 0.5712% | 2,790 |
| Noninterest expense to average assets | 2.3252% | 4,539 |
| Loan and lease loss provision to assets | 0.0404% | 3,349 |
| Net operating income to assets | 1.6586% | 632 |
| Return on assets (ROA) | 1.6586% | 673 |
| Pretax return on assets | 1.6586% | 1,199 |
| Return on Equity (ROE) | 14.5846% | 733 |
| Retained earnings to average equity (ytd only) | 4.9045% | 2,794 |
| Net charge-offs to loans | 0.0053% | 3,513 |
| Credit loss provision to net charge-offs | 1,650.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 694.5000% | 82 |
| Efficiency ratio | 57.7812% | 4,930 |
| Assets per employee ($millions) | 4.5525% | 2,933 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 2,303 |
| Loan loss allowance to noncurrent loans | 3,655.1724% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 5,359 |
| Noncurrent loans to loans | 0.0383% | 5,310 |
| Net loans and leases to total assets | 46.8881% | 5,075 |
| Net loans and leases to deposits | 53.4597% | 5,164 |
| Net loans and leases to core deposits | 54.1576% | 5,270 |
| Total domestic deposits to total assets | 87.7073% | 1,567 |
| Equity capital to assets | 12.0899% | 2,064 |
| Core capital (leverage) ratio | 11.0584% | 2,378 |
| Tier 1 risk-based capital ratio | 20.6662% | 1,315 |
| Total risk-based capital ratio | 21.9081% | 1,296 |
| Memoranda: | ||
| Average total assets | $163,513,670 | 3,392 |
| Average earning assets | $153,138,330 | 3,371 |
| Average equity | $18,595,000 | 3,359 |
| Average total loans | $75,248,670 | 3,969 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 3,932 |
| Cost of funding earning assets | 0.1520% | 5,593 |
| Net interest margin | 3.6498% | 2,888 |
| Noninterest income to average assets | 0.5942% | 2,569 |
| Noninterest expense to average assets | 2.3816% | 4,423 |
| Loan and lease loss provision to assets | 0.0386% | 3,133 |
| Net operating income to assets | 1.5966% | 706 |
| Return on assets (ROA) | 1.5966% | 748 |
| Pretax return on assets | 1.5966% | 1,307 |
| Return on Equity (ROE) | 14.4793% | 751 |
| Retained earnings to average equity (ytd only) | 7.9078% | 1,497 |
| Net charge-offs to loans | 0.0053% | 2,928 |
| Credit loss provision to net charge-offs | 1,600.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 677.0000% | 70 |
| Efficiency ratio | 59.2904% | 4,838 |
| Assets per employee ($millions) | 4.5753% | 2,944 |
| Cash dividends to net income (ytd only)* | 45.3858% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 2,452 |
| Loan loss allowance to noncurrent loans | 1,831.5789% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 5,338 |
| Noncurrent loans to loans | 0.0762% | 5,170 |
| Net loans and leases to total assets | 44.8076% | 5,203 |
| Net loans and leases to deposits | 50.6478% | 5,306 |
| Net loans and leases to core deposits | 51.2813% | 5,394 |
| Total domestic deposits to total assets | 88.4689% | 1,368 |
| Equity capital to assets | 11.4182% | 2,519 |
| Core capital (leverage) ratio | 10.6999% | 2,729 |
| Tier 1 risk-based capital ratio | 20.6582% | 1,373 |
| Total risk-based capital ratio | 21.8875% | 1,356 |
| Memoranda: | ||
| Average total assets | $165,601,000 | 3,380 |
| Average earning assets | $155,294,500 | 3,350 |
| Average equity | $18,260,500 | 3,403 |
| Average total loans | $74,987,500 | 4,000 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 3,684 |
| Cost of funding earning assets | 0.1438% | 5,724 |
| Net interest margin | 3.7632% | 2,509 |
| Noninterest income to average assets | 0.5632% | 2,945 |
| Noninterest expense to average assets | 2.2725% | 4,867 |
| Loan and lease loss provision to assets | 0.0429% | 3,474 |
| Net operating income to assets | 1.7799% | 500 |
| Return on assets (ROA) | 1.7799% | 513 |
| Pretax return on assets | 1.7799% | 834 |
| Return on Equity (ROE) | 15.8404% | 571 |
| Retained earnings to average equity (ytd only) | 3.4353% | 3,613 |
| Net charge-offs to loans | 0.0125% | 4,052 |
| Credit loss provision to net charge-offs | 755.5556% | 440 |
| Earnings coverage of net charge-offs (x) | 321.1111% | 219 |
| Efficiency ratio | 55.4905% | 5,396 |
| Assets per employee ($millions) | 4.8968% | 2,475 |
| Cash dividends to net income (ytd only)* | 78.3133% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 2,558 |
| Loan loss allowance to noncurrent loans | 1,837.5000% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 5,387 |
| Noncurrent loans to loans | 0.0745% | 5,206 |
| Net loans and leases to total assets | 44.5063% | 5,252 |
| Net loans and leases to deposits | 49.8175% | 5,402 |
| Net loans and leases to core deposits | 50.3421% | 5,484 |
| Total domestic deposits to total assets | 89.3388% | 940 |
| Equity capital to assets | 10.6396% | 3,196 |
| Core capital (leverage) ratio | 10.6580% | 2,765 |
| Tier 1 risk-based capital ratio | 20.1745% | 1,448 |
| Total risk-based capital ratio | 21.3826% | 1,433 |
| Memoranda: | ||
| Average total assets | $158,544,400 | 3,448 |
| Average earning assets | $148,808,000 | 3,423 |
| Average equity | $17,815,200 | 3,406 |
| Average total loans | $71,972,400 | 4,045 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 3,395 |
| Cost of funding earning assets | 0.1457% | 5,816 |
| Net interest margin | 3.8393% | 2,238 |
| Noninterest income to average assets | 0.5697% | 2,915 |
| Noninterest expense to average assets | 2.2492% | 4,911 |
| Loan and lease loss provision to assets | 0.0434% | 3,352 |
| Net operating income to assets | 1.8676% | 451 |
| Return on assets (ROA) | 1.8676% | 471 |
| Pretax return on assets | 1.8676% | 771 |
| Return on Equity (ROE) | 16.3893% | 547 |
| Retained earnings to average equity (ytd only) | 7.4211% | 1,490 |
| Net charge-offs to loans | 0.0019% | 4,118 |
| Credit loss provision to net charge-offs | 5,100.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 2,249.5714% | 22 |
| Efficiency ratio | 54.0635% | 5,504 |
| Assets per employee ($millions) | 4.5029% | 3,004 |
| Cash dividends to net income (ytd only)* | 54.7195% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 2,564 |
| Loan loss allowance to noncurrent loans | 3,090.9091% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 5,562 |
| Noncurrent loans to loans | 0.0455% | 5,436 |
| Net loans and leases to total assets | 45.3550% | 5,269 |
| Net loans and leases to deposits | 51.5089% | 5,389 |
| Net loans and leases to core deposits | 51.8076% | 5,512 |
| Total domestic deposits to total assets | 88.0527% | 1,525 |
| Equity capital to assets | 11.7728% | 2,290 |
| Core capital (leverage) ratio | 11.5029% | 2,037 |
| Tier 1 risk-based capital ratio | 21.6186% | 1,245 |
| Total risk-based capital ratio | 22.8691% | 1,227 |
| Memoranda: | ||
| Average total assets | $156,557,750 | 3,511 |
| Average earning assets | $146,411,750 | 3,483 |
| Average equity | $17,840,500 | 3,430 |
| Average total loans | $71,183,500 | 4,105 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,327 |
| Cost of funding earning assets | 0.1459% | 5,880 |
| Net interest margin | 3.8464% | 2,153 |
| Noninterest income to average assets | 0.5685% | 2,916 |
| Noninterest expense to average assets | 2.2751% | 4,909 |
| Loan and lease loss provision to assets | 0.0435% | 3,239 |
| Net operating income to assets | 1.8616% | 458 |
| Return on assets (ROA) | 1.8616% | 480 |
| Pretax return on assets | 1.8616% | 803 |
| Return on Equity (ROE) | 16.5202% | 547 |
| Retained earnings to average equity (ytd only) | 6.2945% | 2,064 |
| Net charge-offs to loans | 0.0141% | 3,436 |
| Credit loss provision to net charge-offs | 680.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 297.6000% | 231 |
| Efficiency ratio | 54.4257% | 5,552 |
| Assets per employee ($millions) | 4.4745% | 3,026 |
| Cash dividends to net income (ytd only)* | 61.8982% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 2,853 |
| Loan loss allowance to noncurrent loans | 2,854.2857% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 5,803 |
| Noncurrent loans to loans | 0.0483% | 5,554 |
| Net loans and leases to total assets | 45.6324% | 5,276 |
| Net loans and leases to deposits | 51.5160% | 5,415 |
| Net loans and leases to core deposits | 51.9089% | 5,540 |
| Total domestic deposits to total assets | 88.5790% | 1,371 |
| Equity capital to assets | 11.2927% | 2,577 |
| Core capital (leverage) ratio | 11.0583% | 2,370 |
| Tier 1 risk-based capital ratio | 21.0208% | 1,355 |
| Total risk-based capital ratio | 22.2472% | 1,330 |
| Memoranda: | ||
| Average total assets | $156,210,000 | 3,543 |
| Average earning assets | $146,682,670 | 3,508 |
| Average equity | $17,602,670 | 3,478 |
| Average total loans | $70,744,670 | 4,143 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 4,070 |
| Cost of funding earning assets | 0.1444% | 5,969 |
| Net interest margin | 3.6406% | 2,857 |
| Noninterest income to average assets | 0.5666% | 2,856 |
| Noninterest expense to average assets | 2.1409% | 5,300 |
| Loan and lease loss provision to assets | 0.0282% | 3,311 |
| Net operating income to assets | 1.8229% | 466 |
| Return on assets (ROA) | 1.8229% | 491 |
| Pretax return on assets | 1.8229% | 836 |
| Return on Equity (ROE) | 16.1945% | 544 |
| Retained earnings to average equity (ytd only) | 9.3614% | 1,078 |
| Net charge-offs to loans | -0.0114% | 4,775 |
| Credit loss provision to net charge-offs | -550.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6288% | 5,705 |
| Assets per employee ($millions) | 4.5253% | 3,007 |
| Cash dividends to net income (ytd only)* | 42.1941% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 2,915 |
| Loan loss allowance to noncurrent loans | 707.1942% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 5,588 |
| Noncurrent loans to loans | 0.1981% | 5,069 |
| Net loans and leases to total assets | 43.6910% | 5,372 |
| Net loans and leases to deposits | 49.3158% | 5,502 |
| Net loans and leases to core deposits | 49.6877% | 5,605 |
| Total domestic deposits to total assets | 88.5942% | 1,502 |
| Equity capital to assets | 11.3338% | 2,614 |
| Core capital (leverage) ratio | 11.0103% | 2,401 |
| Tier 1 risk-based capital ratio | 21.3616% | 1,359 |
| Total risk-based capital ratio | 22.5982% | 1,332 |
| Memoranda: | ||
| Average total assets | $156,012,000 | 3,562 |
| Average earning assets | $146,789,000 | 3,524 |
| Average equity | $17,561,500 | 3,510 |
| Average total loans | $69,886,000 | 4,182 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0631% | 3,468 |
| Cost of funding earning assets | 0.1495% | 6,107 |
| Net interest margin | 3.9137% | 2,186 |
| Noninterest income to average assets | 0.5707% | 3,044 |
| Noninterest expense to average assets | 2.7035% | 3,852 |
| Loan and lease loss provision to assets | 0.0268% | 4,068 |
| Net operating income to assets | 1.4831% | 907 |
| Return on assets (ROA) | 1.4831% | 948 |
| Pretax return on assets | 1.4831% | 1,608 |
| Return on Equity (ROE) | 12.5534% | 1,252 |
| Retained earnings to average equity (ytd only) | 2.9769% | 4,122 |
| Net charge-offs to loans | -0.0045% | 5,456 |
| Credit loss provision to net charge-offs | -1,266.6667% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1636% | 4,566 |
| Assets per employee ($millions) | 4.8012% | 2,588 |
| Cash dividends to net income (ytd only)* | 76.2857% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 2,979 |
| Loan loss allowance to noncurrent loans | 763.7795% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 5,697 |
| Noncurrent loans to loans | 0.1825% | 5,176 |
| Net loans and leases to total assets | 44.6625% | 5,425 |
| Net loans and leases to deposits | 50.2972% | 5,568 |
| Net loans and leases to core deposits | 50.6997% | 5,685 |
| Total domestic deposits to total assets | 88.7971% | 1,357 |
| Equity capital to assets | 11.1768% | 2,724 |
| Core capital (leverage) ratio | 11.0520% | 2,355 |
| Tier 1 risk-based capital ratio | 20.9222% | 1,422 |
| Total risk-based capital ratio | 22.1470% | 1,401 |
| Memoranda: | ||
| Average total assets | $141,592,000 | 3,767 |
| Average earning assets | $131,795,000 | 3,729 |
| Average equity | $16,728,600 | 3,570 |
| Average total loans | $66,621,000 | 4,278 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 3,358 |
| Cost of funding earning assets | 0.1513% | 6,180 |
| Net interest margin | 3.9520% | 2,029 |
| Noninterest income to average assets | 0.5561% | 3,163 |
| Noninterest expense to average assets | 2.8257% | 3,365 |
| Loan and lease loss provision to assets | 0.0087% | 4,247 |
| Net operating income to assets | 1.3903% | 1,153 |
| Return on assets (ROA) | 1.3903% | 1,193 |
| Pretax return on assets | 1.3903% | 2,049 |
| Return on Equity (ROE) | 11.5937% | 1,595 |
| Retained earnings to average equity (ytd only) | 1.9657% | 5,075 |
| Net charge-offs to loans | -0.0061% | 5,333 |
| Credit loss provision to net charge-offs | -300.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8868% | 4,063 |
| Assets per employee ($millions) | 4.3787% | 3,163 |
| Cash dividends to net income (ytd only)* | 83.0449% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 3,070 |
| Loan loss allowance to noncurrent loans | 707.5188% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 5,796 |
| Noncurrent loans to loans | 0.2010% | 5,297 |
| Net loans and leases to total assets | 45.1403% | 5,441 |
| Net loans and leases to deposits | 51.2091% | 5,574 |
| Net loans and leases to core deposits | 51.5258% | 5,714 |
| Total domestic deposits to total assets | 88.1492% | 1,685 |
| Equity capital to assets | 11.5733% | 2,413 |
| Core capital (leverage) ratio | 12.1496% | 1,603 |
| Tier 1 risk-based capital ratio | 22.3332% | 1,215 |
| Total risk-based capital ratio | 23.5842% | 1,199 |
| Memoranda: | ||
| Average total assets | $138,580,250 | 3,857 |
| Average earning assets | $128,641,000 | 3,818 |
| Average equity | $16,617,750 | 3,599 |
| Average total loans | $65,879,000 | 4,334 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 3,096 |
| Cost of funding earning assets | 0.1584% | 6,209 |
| Net interest margin | 4.0034% | 1,793 |
| Noninterest income to average assets | 0.5402% | 3,206 |
| Noninterest expense to average assets | 2.9471% | 3,018 |
| Loan and lease loss provision to assets | 0.0088% | 4,058 |
| Net operating income to assets | 1.2854% | 1,354 |
| Return on assets (ROA) | 1.2854% | 1,406 |
| Pretax return on assets | 1.2854% | 2,315 |
| Return on Equity (ROE) | 10.5894% | 1,898 |
| Retained earnings to average equity (ytd only) | -0.2653% | 5,726 |
| Net charge-offs to loans | -0.0122% | 5,376 |
| Credit loss provision to net charge-offs | -150.0000% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4857% | 3,741 |
| Assets per employee ($millions) | 4.1975% | 3,464 |
| Cash dividends to net income (ytd only)* | 102.5057% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 3,104 |
| Loan loss allowance to noncurrent loans | 795.7627% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 5,764 |
| Noncurrent loans to loans | 0.1824% | 5,463 |
| Net loans and leases to total assets | 46.0178% | 5,358 |
| Net loans and leases to deposits | 52.4608% | 5,468 |
| Net loans and leases to core deposits | 52.6941% | 5,630 |
| Total domestic deposits to total assets | 87.7184% | 2,075 |
| Equity capital to assets | 12.0325% | 1,956 |
| Core capital (leverage) ratio | 11.8314% | 1,766 |
| Tier 1 risk-based capital ratio | 22.6064% | 1,169 |
| Total risk-based capital ratio | 23.8571% | 1,153 |
| Memoranda: | ||
| Average total assets | $136,608,330 | 3,911 |
| Average earning assets | $126,293,330 | 3,885 |
| Average equity | $16,582,670 | 3,600 |
| Average total loans | $65,783,000 | 4,363 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 2,909 |
| Cost of funding earning assets | 0.1690% | 6,235 |
| Net interest margin | 4.0249% | 1,667 |
| Noninterest income to average assets | 0.6015% | 2,726 |
| Noninterest expense to average assets | 2.4592% | 4,764 |
| Loan and lease loss provision to assets | 0.0088% | 3,711 |
| Net operating income to assets | 1.8547% | 440 |
| Return on assets (ROA) | 1.8547% | 463 |
| Pretax return on assets | 1.8547% | 720 |
| Return on Equity (ROE) | 15.2111% | 751 |
| Retained earnings to average equity (ytd only) | 7.9562% | 1,610 |
| Net charge-offs to loans | -0.0181% | 5,308 |
| Credit loss provision to net charge-offs | -100.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8895% | 5,769 |
| Assets per employee ($millions) | 4.1022% | 3,716 |
| Cash dividends to net income (ytd only)* | 47.6948% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 3,391 |
| Loan loss allowance to noncurrent loans | 570.1220% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 5,284 |
| Noncurrent loans to loans | 0.2534% | 5,344 |
| Net loans and leases to total assets | 47.1095% | 5,222 |
| Net loans and leases to deposits | 53.9557% | 5,295 |
| Net loans and leases to core deposits | 54.2024% | 5,484 |
| Total domestic deposits to total assets | 87.3114% | 2,627 |
| Equity capital to assets | 12.5438% | 1,546 |
| Core capital (leverage) ratio | 12.0319% | 1,638 |
| Tier 1 risk-based capital ratio | 23.3843% | 1,091 |
| Total risk-based capital ratio | 24.6332% | 1,073 |
| Memoranda: | ||
| Average total assets | $135,654,500 | 3,966 |
| Average earning assets | $125,419,500 | 3,939 |
| Average equity | $16,540,500 | 3,614 |
| Average total loans | $66,334,000 | 4,378 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 2,749 |
| Cost of funding earning assets | 0.2028% | 6,276 |
| Net interest margin | 4.1541% | 1,485 |
| Noninterest income to average assets | 0.5709% | 3,269 |
| Noninterest expense to average assets | 2.4570% | 4,900 |
| Loan and lease loss provision to assets | 0.1070% | 3,012 |
| Net operating income to assets | 1.8634% | 427 |
| Return on assets (ROA) | 1.8634% | 439 |
| Pretax return on assets | 1.8634% | 660 |
| Return on Equity (ROE) | 14.7220% | 810 |
| Retained earnings to average equity (ytd only) | 2.8147% | 4,240 |
| Net charge-offs to loans | 0.0089% | 5,275 |
| Credit loss provision to net charge-offs | 2,366.6667% | 102 |
| Earnings coverage of net charge-offs (x) | 436.0000% | 95 |
| Efficiency ratio | 55.4951% | 5,997 |
| Assets per employee ($millions) | 3.9981% | 3,870 |
| Cash dividends to net income (ytd only)* | 80.8812% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 3,809 |
| Loan loss allowance to noncurrent loans | 502.1622% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 5,346 |
| Noncurrent loans to loans | 0.2722% | 5,361 |
| Net loans and leases to total assets | 49.3103% | 5,155 |
| Net loans and leases to deposits | 55.9670% | 5,304 |
| Net loans and leases to core deposits | 58.5532% | 5,344 |
| Total domestic deposits to total assets | 88.1061% | 2,117 |
| Equity capital to assets | 11.8439% | 1,915 |
| Core capital (leverage) ratio | 12.0669% | 1,557 |
| Tier 1 risk-based capital ratio | 23.1166% | 1,078 |
| Total risk-based capital ratio | 24.3665% | 1,056 |
| Memoranda: | ||
| Average total assets | $132,765,800 | 4,018 |
| Average earning assets | $123,251,400 | 3,984 |
| Average equity | $16,804,800 | 3,587 |
| Average total loans | $67,556,200 | 4,354 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 2,674 |
| Cost of funding earning assets | 0.2151% | 6,317 |
| Net interest margin | 4.1600% | 1,456 |
| Noninterest income to average assets | 0.5839% | 3,253 |
| Noninterest expense to average assets | 2.4206% | 4,955 |
| Loan and lease loss provision to assets | 0.0596% | 3,857 |
| Net operating income to assets | 1.9731% | 381 |
| Return on assets (ROA) | 1.9731% | 389 |
| Pretax return on assets | 1.9731% | 612 |
| Return on Equity (ROE) | 15.3344% | 743 |
| Retained earnings to average equity (ytd only) | 5.9202% | 2,465 |
| Net charge-offs to loans | -0.0138% | 5,959 |
| Credit loss provision to net charge-offs | -842.8571% | 6,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3557% | 6,076 |
| Assets per employee ($millions) | 3.9136% | 4,009 |
| Cash dividends to net income (ytd only)* | 61.3930% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 4,629 |
| Loan loss allowance to noncurrent loans | 536.8750% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 5,703 |
| Noncurrent loans to loans | 0.2333% | 5,650 |
| Net loans and leases to total assets | 50.9037% | 5,016 |
| Net loans and leases to deposits | 58.3949% | 5,148 |
| Net loans and leases to core deposits | 59.9485% | 5,305 |
| Total domestic deposits to total assets | 87.1715% | 2,587 |
| Equity capital to assets | 12.4708% | 1,598 |
| Core capital (leverage) ratio | 12.5083% | 1,419 |
| Tier 1 risk-based capital ratio | 22.6960% | 1,201 |
| Total risk-based capital ratio | 23.8882% | 1,186 |
| Memoranda: | ||
| Average total assets | $131,973,500 | 4,072 |
| Average earning assets | $122,754,000 | 4,039 |
| Average equity | $16,981,000 | 3,606 |
| Average total loans | $67,455,500 | 4,393 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3740% | 2,663 |
| Cost of funding earning assets | 0.2268% | 6,332 |
| Net interest margin | 4.1472% | 1,417 |
| Noninterest income to average assets | 0.5896% | 3,255 |
| Noninterest expense to average assets | 2.5773% | 4,469 |
| Loan and lease loss provision to assets | 0.0471% | 4,031 |
| Net operating income to assets | 1.8281% | 486 |
| Return on assets (ROA) | 1.8281% | 519 |
| Pretax return on assets | 1.8281% | 873 |
| Return on Equity (ROE) | 14.0620% | 999 |
| Retained earnings to average equity (ytd only) | 3.5418% | 4,066 |
| Net charge-offs to loans | -0.0179% | 5,940 |
| Credit loss provision to net charge-offs | -516.6667% | 5,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8840% | 5,747 |
| Assets per employee ($millions) | 3.6665% | 4,479 |
| Cash dividends to net income (ytd only)* | 74.8130% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 4,866 |
| Loan loss allowance to noncurrent loans | 404.8780% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 5,635 |
| Noncurrent loans to loans | 0.3023% | 5,552 |
| Net loans and leases to total assets | 50.7432% | 5,029 |
| Net loans and leases to deposits | 58.0363% | 5,157 |
| Net loans and leases to core deposits | 59.7388% | 5,284 |
| Total domestic deposits to total assets | 87.4335% | 2,573 |
| Equity capital to assets | 12.3240% | 1,692 |
| Core capital (leverage) ratio | 12.2867% | 1,459 |
| Tier 1 risk-based capital ratio | 23.6821% | 1,035 |
| Total risk-based capital ratio | 24.9181% | 1,022 |
| Memoranda: | ||
| Average total assets | $131,610,330 | 4,107 |
| Average earning assets | $122,589,000 | 4,071 |
| Average equity | $17,110,000 | 3,609 |
| Average total loans | $67,076,330 | 4,421 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3461% | 2,707 |
| Cost of funding earning assets | 0.2315% | 6,404 |
| Net interest margin | 4.1146% | 1,415 |
| Noninterest income to average assets | 0.6118% | 3,073 |
| Noninterest expense to average assets | 2.3924% | 5,148 |
| Loan and lease loss provision to assets | 0.0396% | 3,935 |
| Net operating income to assets | 2.0210% | 329 |
| Return on assets (ROA) | 2.0210% | 359 |
| Pretax return on assets | 2.0210% | 572 |
| Return on Equity (ROE) | 15.1499% | 732 |
| Retained earnings to average equity (ytd only) | 8.3051% | 1,640 |
| Net charge-offs to loans | -0.0240% | 5,804 |
| Credit loss provision to net charge-offs | -325.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7252% | 6,250 |
| Assets per employee ($millions) | 3.9570% | 4,048 |
| Cash dividends to net income (ytd only)* | 45.1807% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 5,161 |
| Loan loss allowance to noncurrent loans | 164.9695% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 5,464 |
| Noncurrent loans to loans | 0.7298% | 4,672 |
| Net loans and leases to total assets | 50.9013% | 4,863 |
| Net loans and leases to deposits | 58.9302% | 4,917 |
| Net loans and leases to core deposits | 60.7003% | 5,077 |
| Total domestic deposits to total assets | 86.3756% | 3,314 |
| Equity capital to assets | 13.4728% | 1,219 |
| Core capital (leverage) ratio | 12.3793% | 1,391 |
| Tier 1 risk-based capital ratio | 22.6886% | 1,206 |
| Total risk-based capital ratio | 23.8398% | 1,205 |
| Memoranda: | ||
| Average total assets | $131,418,500 | 4,150 |
| Average earning assets | $122,685,000 | 4,102 |
| Average equity | $17,531,500 | 3,589 |
| Average total loans | $66,710,500 | 4,463 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 3,643 |
| Cost of funding earning assets | 0.2804% | 6,551 |
| Net interest margin | 4.1626% | 1,768 |
| Noninterest income to average assets | 0.6722% | 2,873 |
| Noninterest expense to average assets | 2.6880% | 4,443 |
| Loan and lease loss provision to assets | 0.0362% | 5,434 |
| Net operating income to assets | 1.8277% | 492 |
| Return on assets (ROA) | 1.8481% | 526 |
| Pretax return on assets | 1.8481% | 833 |
| Return on Equity (ROE) | 13.4342% | 1,119 |
| Retained earnings to average equity (ytd only) | 2.5690% | 4,416 |
| Net charge-offs to loans | 0.0016% | 5,968 |
| Credit loss provision to net charge-offs | 4,600.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 2,368.0000% | 12 |
| Efficiency ratio | 59.0524% | 5,695 |
| Assets per employee ($millions) | 3.8899% | 4,171 |
| Cash dividends to net income (ytd only)* | 80.8773% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 5,115 |
| Loan loss allowance to noncurrent loans | 225.9259% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 5,885 |
| Noncurrent loans to loans | 0.5307% | 5,204 |
| Net loans and leases to total assets | 49.4121% | 5,255 |
| Net loans and leases to deposits | 56.9832% | 5,335 |
| Net loans and leases to core deposits | 58.6656% | 5,484 |
| Total domestic deposits to total assets | 86.7135% | 2,985 |
| Equity capital to assets | 13.2093% | 1,349 |
| Core capital (leverage) ratio | 12.4967% | 1,317 |
| Tier 1 risk-based capital ratio | 22.7550% | 1,148 |
| Total risk-based capital ratio | 23.9118% | 1,139 |
| Memoranda: | ||
| Average total assets | $127,047,400 | 4,211 |
| Average earning assets | $118,410,600 | 4,145 |
| Average equity | $17,477,800 | 3,542 |
| Average total loans | $61,108,400 | 4,670 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 3,668 |
| Cost of funding earning assets | 0.2949% | 6,638 |
| Net interest margin | 4.1982% | 1,742 |
| Noninterest income to average assets | 0.6765% | 2,837 |
| Noninterest expense to average assets | 2.6561% | 4,532 |
| Loan and lease loss provision to assets | 0.0276% | 5,437 |
| Net operating income to assets | 1.9022% | 452 |
| Return on assets (ROA) | 1.9022% | 526 |
| Pretax return on assets | 1.9022% | 865 |
| Return on Equity (ROE) | 13.6841% | 1,179 |
| Retained earnings to average equity (ytd only) | 4.5308% | 3,709 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9191% | 5,802 |
| Assets per employee ($millions) | 3.7481% | 4,426 |
| Cash dividends to net income (ytd only)* | 66.8896% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 5,303 |
| Loan loss allowance to noncurrent loans | 452.6316% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 6,376 |
| Noncurrent loans to loans | 0.2642% | 5,957 |
| Net loans and leases to total assets | 50.1813% | 5,295 |
| Net loans and leases to deposits | 58.6297% | 5,362 |
| Net loans and leases to core deposits | 60.2908% | 5,525 |
| Total domestic deposits to total assets | 85.5902% | 3,466 |
| Equity capital to assets | 14.0936% | 1,122 |
| Core capital (leverage) ratio | 12.9858% | 1,197 |
| Tier 1 risk-based capital ratio | 23.4820% | 1,093 |
| Total risk-based capital ratio | 24.6364% | 1,092 |
| Memoranda: | ||
| Average total assets | $125,745,500 | 4,277 |
| Average earning assets | $117,095,750 | 4,222 |
| Average equity | $17,479,750 | 3,574 |
| Average total loans | $59,849,750 | 4,772 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 3,679 |
| Cost of funding earning assets | 0.3141% | 6,672 |
| Net interest margin | 4.2073% | 1,729 |
| Noninterest income to average assets | 0.6646% | 2,869 |
| Noninterest expense to average assets | 2.6681% | 4,546 |
| Loan and lease loss provision to assets | 0.0224% | 5,388 |
| Net operating income to assets | 1.8900% | 470 |
| Return on assets (ROA) | 1.8900% | 537 |
| Pretax return on assets | 1.8900% | 863 |
| Return on Equity (ROE) | 13.6608% | 1,194 |
| Retained earnings to average equity (ytd only) | 3.2680% | 4,440 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2490% | 5,839 |
| Assets per employee ($millions) | 3.5787% | 4,792 |
| Cash dividends to net income (ytd only)* | 76.0778% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 4,947 |
| Loan loss allowance to noncurrent loans | 552.1739% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 6,519 |
| Noncurrent loans to loans | 0.2328% | 6,111 |
| Net loans and leases to total assets | 46.7099% | 5,756 |
| Net loans and leases to deposits | 54.4763% | 5,819 |
| Net loans and leases to core deposits | 56.6731% | 5,889 |
| Total domestic deposits to total assets | 85.7436% | 3,488 |
| Equity capital to assets | 14.0129% | 1,093 |
| Core capital (leverage) ratio | 12.6984% | 1,264 |
| Tier 1 risk-based capital ratio | 24.3638% | 974 |
| Total risk-based capital ratio | 25.5667% | 961 |
| Memoranda: | ||
| Average total assets | $125,182,670 | 4,313 |
| Average earning assets | $116,511,000 | 4,261 |
| Average equity | $17,319,670 | 3,595 |
| Average total loans | $58,225,670 | 4,867 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 3,614 |
| Cost of funding earning assets | 0.3370% | 6,695 |
| Net interest margin | 4.2394% | 1,639 |
| Noninterest income to average assets | 0.6584% | 2,878 |
| Noninterest expense to average assets | 2.6625% | 4,574 |
| Loan and lease loss provision to assets | 0.0384% | 4,907 |
| Net operating income to assets | 1.8986% | 497 |
| Return on assets (ROA) | 1.8986% | 568 |
| Pretax return on assets | 1.8986% | 881 |
| Return on Equity (ROE) | 13.8111% | 1,225 |
| Retained earnings to average equity (ytd only) | 6.8358% | 2,510 |
| Net charge-offs to loans | -0.0069% | 5,856 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8874% | 5,931 |
| Assets per employee ($millions) | 3.6434% | 4,786 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 4,896 |
| Loan loss allowance to noncurrent loans | 514.1892% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 6,589 |
| Noncurrent loans to loans | 0.2582% | 6,173 |
| Net loans and leases to total assets | 45.6517% | 5,823 |
| Net loans and leases to deposits | 53.1924% | 5,887 |
| Net loans and leases to core deposits | 55.3590% | 5,961 |
| Total domestic deposits to total assets | 85.8238% | 3,629 |
| Equity capital to assets | 14.0292% | 1,022 |
| Core capital (leverage) ratio | 12.5536% | 1,317 |
| Tier 1 risk-based capital ratio | 24.0165% | 1,000 |
| Total risk-based capital ratio | 25.1998% | 1,000 |
| Memoranda: | ||
| Average total assets | $125,146,000 | 4,340 |
| Average earning assets | $116,336,000 | 4,288 |
| Average equity | $17,203,500 | 3,611 |
| Average total loans | $57,704,000 | 4,910 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 3,879 |
| Cost of funding earning assets | 0.4462% | 6,741 |
| Net interest margin | 4.3395% | 1,577 |
| Noninterest income to average assets | 0.6762% | 2,748 |
| Noninterest expense to average assets | 2.7894% | 4,386 |
| Loan and lease loss provision to assets | 0.0571% | 5,884 |
| Net operating income to assets | 1.8549% | 420 |
| Return on assets (ROA) | 1.8549% | 452 |
| Pretax return on assets | 1.8549% | 725 |
| Return on Equity (ROE) | 13.4852% | 1,051 |
| Retained earnings to average equity (ytd only) | 3.2615% | 3,902 |
| Net charge-offs to loans | 0.0246% | 6,092 |
| Credit loss provision to net charge-offs | 492.8571% | 463 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 207 |
| Efficiency ratio | 59.3310% | 5,855 |
| Assets per employee ($millions) | 3.7181% | 4,513 |
| Cash dividends to net income (ytd only)* | 75.8144% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 4,977 |
| Loan loss allowance to noncurrent loans | 344.7005% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 6,521 |
| Noncurrent loans to loans | 0.3735% | 5,970 |
| Net loans and leases to total assets | 45.3641% | 6,069 |
| Net loans and leases to deposits | 52.4718% | 6,169 |
| Net loans and leases to core deposits | 54.6776% | 6,252 |
| Total domestic deposits to total assets | 86.4541% | 3,053 |
| Equity capital to assets | 13.4699% | 1,282 |
| Core capital (leverage) ratio | 12.0909% | 1,542 |
| Tier 1 risk-based capital ratio | 23.8058% | 981 |
| Total risk-based capital ratio | 24.9811% | 981 |
| Memoranda: | ||
| Average total assets | $120,813,600 | 4,376 |
| Average earning assets | $112,063,200 | 4,334 |
| Average equity | $16,618,200 | 3,633 |
| Average total loans | $57,003,200 | 4,986 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 3,883 |
| Cost of funding earning assets | 0.4620% | 6,847 |
| Net interest margin | 4.3685% | 1,501 |
| Noninterest income to average assets | 0.6878% | 2,680 |
| Noninterest expense to average assets | 2.7690% | 4,468 |
| Loan and lease loss provision to assets | 0.0536% | 5,778 |
| Net operating income to assets | 1.9193% | 411 |
| Return on assets (ROA) | 1.9193% | 444 |
| Pretax return on assets | 1.9193% | 746 |
| Return on Equity (ROE) | 13.8773% | 1,059 |
| Retained earnings to average equity (ytd only) | 5.8044% | 2,670 |
| Net charge-offs to loans | 0.0470% | 5,518 |
| Credit loss provision to net charge-offs | 240.0000% | 1,190 |
| Earnings coverage of net charge-offs (x) | 88.3367% | 406 |
| Efficiency ratio | 58.3942% | 5,956 |
| Assets per employee ($millions) | 3.8736% | 4,137 |
| Cash dividends to net income (ytd only)* | 58.1734% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 5,264 |
| Loan loss allowance to noncurrent loans | 429.1667% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 6,720 |
| Noncurrent loans to loans | 0.2905% | 6,270 |
| Net loans and leases to total assets | 44.6819% | 6,265 |
| Net loans and leases to deposits | 52.0405% | 6,360 |
| Net loans and leases to core deposits | 54.3889% | 6,431 |
| Total domestic deposits to total assets | 85.8599% | 3,297 |
| Equity capital to assets | 13.8311% | 1,234 |
| Core capital (leverage) ratio | 12.8375% | 1,277 |
| Tier 1 risk-based capital ratio | 24.5216% | 956 |
| Total risk-based capital ratio | 25.6752% | 949 |
| Memoranda: | ||
| Average total assets | $119,413,250 | 4,444 |
| Average earning assets | $110,821,750 | 4,396 |
| Average equity | $16,515,750 | 3,658 |
| Average total loans | $56,730,250 | 5,048 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 3,655 |
| Cost of funding earning assets | 0.4903% | 6,877 |
| Net interest margin | 4.4032% | 1,358 |
| Noninterest income to average assets | 0.7084% | 2,509 |
| Noninterest expense to average assets | 2.8334% | 4,299 |
| Loan and lease loss provision to assets | 0.0617% | 5,529 |
| Net operating income to assets | 1.9107% | 401 |
| Return on assets (ROA) | 1.9107% | 430 |
| Pretax return on assets | 1.9107% | 691 |
| Return on Equity (ROE) | 13.8148% | 1,012 |
| Retained earnings to average equity (ytd only) | 4.5140% | 3,319 |
| Net charge-offs to loans | 0.0355% | 5,357 |
| Credit loss provision to net charge-offs | 360.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 308 |
| Efficiency ratio | 58.9579% | 6,034 |
| Assets per employee ($millions) | 3.5250% | 4,881 |
| Cash dividends to net income (ytd only)* | 67.3250% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 5,211 |
| Loan loss allowance to noncurrent loans | 406.2147% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 6,721 |
| Noncurrent loans to loans | 0.3123% | 6,294 |
| Net loans and leases to total assets | 46.6967% | 6,196 |
| Net loans and leases to deposits | 54.3734% | 6,285 |
| Net loans and leases to core deposits | 56.9965% | 6,350 |
| Total domestic deposits to total assets | 85.8815% | 3,390 |
| Equity capital to assets | 13.8440% | 1,151 |
| Core capital (leverage) ratio | 12.8244% | 1,236 |
| Tier 1 risk-based capital ratio | 24.1777% | 985 |
| Total risk-based capital ratio | 25.3387% | 978 |
| Memoranda: | ||
| Average total assets | $116,608,330 | 4,545 |
| Average earning assets | $108,513,000 | 4,489 |
| Average equity | $16,127,670 | 3,709 |
| Average total loans | $56,361,330 | 5,105 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8905% | 3,639 |
| Cost of funding earning assets | 0.5264% | 6,876 |
| Net interest margin | 4.3641% | 1,379 |
| Noninterest income to average assets | 0.7444% | 2,285 |
| Noninterest expense to average assets | 2.7377% | 4,684 |
| Loan and lease loss provision to assets | 0.0626% | 5,207 |
| Net operating income to assets | 2.0107% | 345 |
| Return on assets (ROA) | 2.0107% | 362 |
| Pretax return on assets | 2.0107% | 551 |
| Return on Equity (ROE) | 14.5450% | 899 |
| Retained earnings to average equity (ytd only) | 8.2539% | 1,633 |
| Net charge-offs to loans | 0.0996% | 3,956 |
| Credit loss provision to net charge-offs | 128.5714% | 2,151 |
| Earnings coverage of net charge-offs (x) | 42.5714% | 655 |
| Efficiency ratio | 56.9053% | 6,394 |
| Assets per employee ($millions) | 3.5572% | 4,855 |
| Cash dividends to net income (ytd only)* | 43.2526% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 5,321 |
| Loan loss allowance to noncurrent loans | 271.2062% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 6,621 |
| Noncurrent loans to loans | 0.4664% | 6,085 |
| Net loans and leases to total assets | 46.3433% | 6,255 |
| Net loans and leases to deposits | 53.7889% | 6,307 |
| Net loans and leases to core deposits | 56.3998% | 6,380 |
| Total domestic deposits to total assets | 86.1578% | 3,430 |
| Equity capital to assets | 13.6668% | 1,119 |
| Core capital (leverage) ratio | 13.1107% | 1,091 |
| Tier 1 risk-based capital ratio | 24.7740% | 902 |
| Total risk-based capital ratio | 25.9301% | 890 |
| Memoranda: | ||
| Average total assets | $114,987,500 | 4,620 |
| Average earning assets | $107,146,000 | 4,552 |
| Average equity | $15,895,500 | 3,742 |
| Average total loans | $56,199,500 | 5,165 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2334% | 3,442 |
| Cost of funding earning assets | 0.7790% | 6,648 |
| Net interest margin | 4.4544% | 1,343 |
| Noninterest income to average assets | 0.7592% | 2,489 |
| Noninterest expense to average assets | 3.0376% | 3,704 |
| Loan and lease loss provision to assets | 0.0696% | 6,447 |
| Net operating income to assets | 1.7885% | 426 |
| Return on assets (ROA) | 1.7885% | 464 |
| Pretax return on assets | 1.7885% | 779 |
| Return on Equity (ROE) | 12.3061% | 1,254 |
| Retained earnings to average equity (ytd only) | 2.2243% | 4,327 |
| Net charge-offs to loans | 0.1367% | 5,550 |
| Credit loss provision to net charge-offs | 105.5556% | 4,246 |
| Earnings coverage of net charge-offs (x) | 28.1806% | 771 |
| Efficiency ratio | 62.0464% | 5,725 |
| Assets per employee ($millions) | 3.4118% | 5,144 |
| Cash dividends to net income (ytd only)* | 81.9252% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 5,460 |
| Loan loss allowance to noncurrent loans | 315.0000% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 6,679 |
| Noncurrent loans to loans | 0.3839% | 6,276 |
| Net loans and leases to total assets | 50.2789% | 6,141 |
| Net loans and leases to deposits | 58.5313% | 6,211 |
| Net loans and leases to core deposits | 61.5378% | 6,271 |
| Total domestic deposits to total assets | 85.9008% | 3,413 |
| Equity capital to assets | 13.9873% | 1,042 |
| Core capital (leverage) ratio | 13.0254% | 1,120 |
| Tier 1 risk-based capital ratio | 23.5628% | 976 |
| Total risk-based capital ratio | 24.6806% | 967 |
| Memoranda: | ||
| Average total assets | $109,199,200 | 4,735 |
| Average earning assets | $101,406,000 | 4,688 |
| Average equity | $15,870,200 | 3,794 |
| Average total loans | $52,670,400 | 5,369 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 3,434 |
| Cost of funding earning assets | 0.8285% | 6,659 |
| Net interest margin | 4.4551% | 1,357 |
| Noninterest income to average assets | 0.7728% | 2,371 |
| Noninterest expense to average assets | 3.0259% | 3,658 |
| Loan and lease loss provision to assets | 0.0923% | 6,112 |
| Net operating income to assets | 1.7904% | 521 |
| Return on assets (ROA) | 1.7904% | 566 |
| Pretax return on assets | 1.7904% | 941 |
| Return on Equity (ROE) | 12.2004% | 1,446 |
| Retained earnings to average equity (ytd only) | 3.8152% | 3,775 |
| Net charge-offs to loans | 0.1191% | 5,362 |
| Credit loss provision to net charge-offs | 163.0435% | 2,307 |
| Earnings coverage of net charge-offs (x) | 33.2619% | 808 |
| Efficiency ratio | 61.6445% | 5,678 |
| Assets per employee ($millions) | 3.3855% | 5,244 |
| Cash dividends to net income (ytd only)* | 68.7286% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 4,629 |
| Loan loss allowance to noncurrent loans | 198.8920% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 6,573 |
| Noncurrent loans to loans | 0.6884% | 5,827 |
| Net loans and leases to total assets | 46.2984% | 6,670 |
| Net loans and leases to deposits | 54.5639% | 6,723 |
| Net loans and leases to core deposits | 58.1132% | 6,717 |
| Total domestic deposits to total assets | 84.8518% | 3,692 |
| Equity capital to assets | 14.7606% | 952 |
| Core capital (leverage) ratio | 13.6351% | 1,015 |
| Tier 1 risk-based capital ratio | 25.4882% | 822 |
| Total risk-based capital ratio | 26.7322% | 803 |
| Memoranda: | ||
| Average total assets | $108,352,000 | 4,826 |
| Average earning assets | $100,585,250 | 4,767 |
| Average equity | $15,900,750 | 3,830 |
| Average total loans | $51,512,750 | 5,503 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3748% | 3,081 |
| Cost of funding earning assets | 0.8757% | 6,670 |
| Net interest margin | 4.4991% | 1,213 |
| Noninterest income to average assets | 0.7759% | 2,252 |
| Noninterest expense to average assets | 2.9563% | 3,867 |
| Loan and lease loss provision to assets | 0.1268% | 5,615 |
| Net operating income to assets | 1.8614% | 436 |
| Return on assets (ROA) | 1.8614% | 476 |
| Pretax return on assets | 1.8614% | 793 |
| Return on Equity (ROE) | 12.7101% | 1,308 |
| Retained earnings to average equity (ytd only) | 3.1584% | 4,102 |
| Net charge-offs to loans | 0.1328% | 4,882 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 31.3529% | 892 |
| Efficiency ratio | 59.7888% | 6,084 |
| Assets per employee ($millions) | 3.3714% | 5,257 |
| Cash dividends to net income (ytd only)* | 75.1503% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 4,370 |
| Loan loss allowance to noncurrent loans | 227.3585% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 6,675 |
| Noncurrent loans to loans | 0.6207% | 6,008 |
| Net loans and leases to total assets | 46.8207% | 6,721 |
| Net loans and leases to deposits | 55.1827% | 6,786 |
| Net loans and leases to core deposits | 58.5124% | 6,798 |
| Total domestic deposits to total assets | 84.8467% | 3,708 |
| Equity capital to assets | 14.8363% | 915 |
| Core capital (leverage) ratio | 13.7986% | 976 |
| Tier 1 risk-based capital ratio | 25.5235% | 808 |
| Total risk-based capital ratio | 26.7730% | 792 |
| Memoranda: | ||
| Average total assets | $107,228,330 | 4,884 |
| Average earning assets | $99,352,670 | 4,830 |
| Average equity | $15,704,000 | 3,855 |
| Average total loans | $51,202,330 | 5,558 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4492% | 2,822 |
| Cost of funding earning assets | 0.9438% | 6,602 |
| Net interest margin | 4.5054% | 1,125 |
| Noninterest income to average assets | 0.7708% | 2,170 |
| Noninterest expense to average assets | 2.8550% | 4,253 |
| Loan and lease loss provision to assets | 0.0973% | 5,658 |
| Net operating income to assets | 1.9981% | 349 |
| Return on assets (ROA) | 1.9981% | 381 |
| Pretax return on assets | 1.9981% | 609 |
| Return on Equity (ROE) | 13.7337% | 1,103 |
| Retained earnings to average equity (ytd only) | 7.3041% | 2,016 |
| Net charge-offs to loans | 0.3204% | 3,130 |
| Credit loss provision to net charge-offs | 63.4146% | 4,237 |
| Earnings coverage of net charge-offs (x) | 13.6585% | 1,482 |
| Efficiency ratio | 57.6720% | 6,539 |
| Assets per employee ($millions) | 3.2316% | 5,695 |
| Cash dividends to net income (ytd only)* | 46.8165% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 4,799 |
| Loan loss allowance to noncurrent loans | 226.1745% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 6,780 |
| Noncurrent loans to loans | 0.5859% | 6,136 |
| Net loans and leases to total assets | 47.0603% | 6,748 |
| Net loans and leases to deposits | 55.4101% | 6,815 |
| Net loans and leases to core deposits | 61.4881% | 6,639 |
| Total domestic deposits to total assets | 84.9309% | 3,707 |
| Equity capital to assets | 14.8591% | 918 |
| Core capital (leverage) ratio | 13.5342% | 1,077 |
| Tier 1 risk-based capital ratio | 26.3650% | 747 |
| Total risk-based capital ratio | 27.5873% | 740 |
| Memoranda: | ||
| Average total assets | $106,900,500 | 4,955 |
| Average earning assets | $99,170,500 | 4,901 |
| Average equity | $15,553,000 | 3,905 |
| Average total loans | $51,186,000 | 5,625 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6715% | 3,246 |
| Cost of funding earning assets | 1.1720% | 6,759 |
| Net interest margin | 4.4995% | 1,180 |
| Noninterest income to average assets | 0.8389% | 2,233 |
| Noninterest expense to average assets | 3.0511% | 3,941 |
| Loan and lease loss provision to assets | 0.0652% | 6,922 |
| Net operating income to assets | 1.9260% | 273 |
| Return on assets (ROA) | 1.9260% | 279 |
| Pretax return on assets | 1.9260% | 479 |
| Return on Equity (ROE) | 13.2330% | 909 |
| Retained earnings to average equity (ytd only) | 2.4941% | 3,397 |
| Net charge-offs to loans | 0.0633% | 6,475 |
| Credit loss provision to net charge-offs | 216.1290% | 1,764 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 409 |
| Efficiency ratio | 60.5096% | 6,406 |
| Assets per employee ($millions) | 3.4567% | 5,112 |
| Cash dividends to net income (ytd only)* | 81.1521% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 4,535 |
| Loan loss allowance to noncurrent loans | 155.4054% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 6,425 |
| Noncurrent loans to loans | 0.8619% | 5,573 |
| Net loans and leases to total assets | 47.4267% | 6,855 |
| Net loans and leases to deposits | 55.4825% | 6,952 |
| Net loans and leases to core deposits | 86.0311% | 5,520 |
| Total domestic deposits to total assets | 85.4805% | 3,304 |
| Equity capital to assets | 14.2405% | 1,097 |
| Core capital (leverage) ratio | 13.0012% | 1,255 |
| Tier 1 risk-based capital ratio | 25.0748% | 837 |
| Total risk-based capital ratio | 26.2885% | 818 |
| Memoranda: | ||
| Average total assets | $102,750,800 | 5,020 |
| Average earning assets | $95,989,000 | 4,947 |
| Average equity | $14,955,000 | 4,066 |
| Average total loans | $48,954,800 | 5,721 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6406% | 3,631 |
| Cost of funding earning assets | 1.1887% | 6,922 |
| Net interest margin | 4.4519% | 1,309 |
| Noninterest income to average assets | 0.8500% | 2,201 |
| Noninterest expense to average assets | 3.0654% | 3,785 |
| Loan and lease loss provision to assets | 0.0052% | 7,262 |
| Net operating income to assets | 1.9452% | 328 |
| Return on assets (ROA) | 1.9452% | 352 |
| Pretax return on assets | 1.9452% | 598 |
| Return on Equity (ROE) | 13.2893% | 1,046 |
| Retained earnings to average equity (ytd only) | 4.3282% | 2,849 |
| Net charge-offs to loans | -0.0441% | 7,844 |
| Credit loss provision to net charge-offs | -25.0000% | 7,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1140% | 6,252 |
| Assets per employee ($millions) | 3.4937% | 4,948 |
| Cash dividends to net income (ytd only)* | 67.4310% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 4,481 |
| Loan loss allowance to noncurrent loans | 167.8304% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 6,586 |
| Noncurrent loans to loans | 0.7768% | 5,745 |
| Net loans and leases to total assets | 45.5738% | 7,136 |
| Net loans and leases to deposits | 53.1681% | 7,248 |
| Net loans and leases to core deposits | 82.9632% | 6,126 |
| Total domestic deposits to total assets | 85.7163% | 2,851 |
| Equity capital to assets | 13.8382% | 1,360 |
| Core capital (leverage) ratio | 13.7425% | 1,158 |
| Tier 1 risk-based capital ratio | 25.5105% | 856 |
| Total risk-based capital ratio | 26.7055% | 838 |
| Memoranda: | ||
| Average total assets | $101,648,750 | 5,074 |
| Average earning assets | $95,117,750 | 5,002 |
| Average equity | $14,878,750 | 4,119 |
| Average total loans | $48,315,500 | 5,789 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7878% | 3,108 |
| Cost of funding earning assets | 1.2269% | 7,031 |
| Net interest margin | 4.5609% | 1,035 |
| Noninterest income to average assets | 0.8752% | 2,078 |
| Noninterest expense to average assets | 3.1486% | 3,509 |
| Loan and lease loss provision to assets | 0.0081% | 7,118 |
| Net operating income to assets | 1.9783% | 310 |
| Return on assets (ROA) | 1.9783% | 343 |
| Pretax return on assets | 1.9783% | 594 |
| Return on Equity (ROE) | 13.2413% | 1,133 |
| Retained earnings to average equity (ytd only) | 3.0242% | 3,636 |
| Net charge-offs to loans | -0.0678% | 7,894 |
| Credit loss provision to net charge-offs | -25.0000% | 6,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3159% | 6,346 |
| Assets per employee ($millions) | 3.2545% | 5,438 |
| Cash dividends to net income (ytd only)* | 77.1605% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 3,575 |
| Loan loss allowance to noncurrent loans | 141.3866% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 6,298 |
| Noncurrent loans to loans | 1.0115% | 5,185 |
| Net loans and leases to total assets | 44.5383% | 7,291 |
| Net loans and leases to deposits | 52.0105% | 7,379 |
| Net loans and leases to core deposits | 77.5808% | 6,569 |
| Total domestic deposits to total assets | 85.6334% | 2,948 |
| Equity capital to assets | 13.9797% | 1,318 |
| Core capital (leverage) ratio | 14.0072% | 1,138 |
| Tier 1 risk-based capital ratio | 28.0219% | 714 |
| Total risk-based capital ratio | 29.2736% | 699 |
| Memoranda: | ||
| Average total assets | $98,265,330 | 5,211 |
| Average earning assets | $91,779,330 | 5,132 |
| Average equity | $14,681,330 | 4,164 |
| Average total loans | $47,212,670 | 5,878 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0114% | 2,312 |
| Cost of funding earning assets | 1.2582% | 7,152 |
| Net interest margin | 4.7532% | 678 |
| Noninterest income to average assets | 0.8728% | 1,969 |
| Noninterest expense to average assets | 3.2856% | 2,702 |
| Loan and lease loss provision to assets | 0.0042% | 6,728 |
| Net operating income to assets | 2.0057% | 348 |
| Return on assets (ROA) | 2.0057% | 395 |
| Pretax return on assets | 2.0057% | 665 |
| Return on Equity (ROE) | 12.9693% | 1,397 |
| Retained earnings to average equity (ytd only) | 6.1862% | 2,551 |
| Net charge-offs to loans | 0.0508% | 4,759 |
| Credit loss provision to net charge-offs | 16.6667% | 5,117 |
| Earnings coverage of net charge-offs (x) | 79.8333% | 524 |
| Efficiency ratio | 62.0444% | 6,039 |
| Assets per employee ($millions) | 2.9794% | 6,214 |
| Cash dividends to net income (ytd only)* | 52.3013% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 3,680 |
| Loan loss allowance to noncurrent loans | 131.7073% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 5,964 |
| Noncurrent loans to loans | 1.0402% | 4,908 |
| Net loans and leases to total assets | 47.4486% | 7,066 |
| Net loans and leases to deposits | 56.1898% | 7,149 |
| Net loans and leases to core deposits | 82.7409% | 6,166 |
| Total domestic deposits to total assets | 84.4435% | 3,491 |
| Equity capital to assets | 15.2748% | 1,021 |
| Core capital (leverage) ratio | 14.7312% | 1,028 |
| Tier 1 risk-based capital ratio | 28.1958% | 739 |
| Total risk-based capital ratio | 29.4406% | 726 |
| Memoranda: | ||
| Average total assets | $95,326,000 | 5,320 |
| Average earning assets | $88,698,500 | 5,265 |
| Average equity | $14,742,500 | 4,187 |
| Average total loans | $47,290,500 | 5,904 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3542% | 3,671 |
| Cost of funding earning assets | 1.6620% | 7,334 |
| Net interest margin | 4.6922% | 988 |
| Noninterest income to average assets | 0.9675% | 1,701 |
| Noninterest expense to average assets | 3.1652% | 3,469 |
| Loan and lease loss provision to assets | 0.1099% | 5,967 |
| Net operating income to assets | 2.0097% | 347 |
| Return on assets (ROA) | 2.0262% | 313 |
| Pretax return on assets | 2.0262% | 561 |
| Return on Equity (ROE) | 13.1005% | 1,307 |
| Retained earnings to average equity (ytd only) | 1.7273% | 4,178 |
| Net charge-offs to loans | 0.1232% | 5,009 |
| Credit loss provision to net charge-offs | 175.4386% | 2,899 |
| Earnings coverage of net charge-offs (x) | 33.8246% | 1,074 |
| Efficiency ratio | 59.8918% | 6,365 |
| Assets per employee ($millions) | 2.8854% | 6,354 |
| Cash dividends to net income (ytd only)* | 86.8150% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 3,304 |
| Loan loss allowance to noncurrent loans | 106.8740% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 5,235 |
| Noncurrent loans to loans | 1.2922% | 3,932 |
| Net loans and leases to total assets | 50.5009% | 6,984 |
| Net loans and leases to deposits | 60.0193% | 7,086 |
| Net loans and leases to core deposits | 83.7160% | 6,316 |
| Total domestic deposits to total assets | 84.1411% | 3,251 |
| Equity capital to assets | 15.6683% | 1,008 |
| Core capital (leverage) ratio | 15.0364% | 1,021 |
| Tier 1 risk-based capital ratio | 27.8255% | 769 |
| Total risk-based capital ratio | 29.0943% | 755 |
| Memoranda: | ||
| Average total assets | $90,957,600 | 5,325 |
| Average earning assets | $83,692,600 | 5,308 |
| Average equity | $14,068,200 | 4,327 |
| Average total loans | $46,278,000 | 5,863 |