Home > The Farmers State Bank of Brush > Performance and Condition Ratios
The Farmers State Bank of Brush, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6296% | 3,721 |
| Cost of funding earning assets | 1.6041% | 2,958 |
| Net interest margin | 3.0255% | 3,349 |
| Noninterest income to average assets | 0.5200% | 1,653 |
| Noninterest expense to average assets | 3.0880% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.3256% | 3,830 |
| Return on assets (ROA) | 0.3256% | 3,852 |
| Pretax return on assets | 0.3326% | 3,904 |
| Return on Equity (ROE) | 1.7800% | 4,021 |
| Retained earnings to average equity (ytd only) | 0.1917% | 3,639 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 90.2764% | 492 |
| Assets per employee ($millions) | 4.7504% | 3,808 |
| Cash dividends to net income (ytd only)* | 89.2473% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 2,264 |
| Loan loss allowance to noncurrent loans | 340.0881% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 2,507 |
| Noncurrent loans to loans | 0.3490% | 2,253 |
| Net loans and leases to total assets | 56.3700% | 3,177 |
| Net loans and leases to deposits | 70.0675% | 2,861 |
| Net loans and leases to core deposits | 92.9965% | 1,836 |
| Total domestic deposits to total assets | 80.4500% | 3,552 |
| Equity capital to assets | 18.4835% | 330 |
| Core capital (leverage) ratio | 19.6310% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $114,248,500 | 3,655 |
| Average earning assets | $109,468,500 | 3,619 |
| Average equity | $20,865,000 | 2,958 |
| Average total loans | $65,261,000 | 3,642 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 3,759 |
| Cost of funding earning assets | 1.6656% | 3,026 |
| Net interest margin | 2.9289% | 3,269 |
| Noninterest income to average assets | 0.6500% | 1,347 |
| Noninterest expense to average assets | 2.9407% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4217% | 3,646 |
| Return on assets (ROA) | 0.4217% | 3,668 |
| Pretax return on assets | 0.5148% | 3,622 |
| Return on Equity (ROE) | 2.4100% | 3,943 |
| Retained earnings to average equity (ytd only) | 0.7746% | 3,734 |
| Net charge-offs to loans | 0.0957% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 9.6290% | 2,308 |
| Efficiency ratio | 85.1011% | 729 |
| Assets per employee ($millions) | 4.9777% | 3,657 |
| Cash dividends to net income (ytd only)* | 67.8937% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 1,690 |
| Loan loss allowance to noncurrent loans | 469.0608% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 2,665 |
| Noncurrent loans to loans | 0.2764% | 2,434 |
| Net loans and leases to total assets | 56.4500% | 3,231 |
| Net loans and leases to deposits | 70.4992% | 2,912 |
| Net loans and leases to core deposits | 90.3478% | 2,088 |
| Total domestic deposits to total assets | 80.0800% | 3,559 |
| Equity capital to assets | 18.0431% | 337 |
| Core capital (leverage) ratio | 19.3748% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $115,957,600 | 3,643 |
| Average earning assets | $111,134,400 | 3,604 |
| Average equity | $20,268,000 | 2,958 |
| Average total loans | $64,794,800 | 3,637 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 3,760 |
| Cost of funding earning assets | 1.6053% | 3,159 |
| Net interest margin | 2.9546% | 3,197 |
| Noninterest income to average assets | 0.6800% | 1,209 |
| Noninterest expense to average assets | 2.8815% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5055% | 3,448 |
| Return on assets (ROA) | 0.5055% | 3,475 |
| Pretax return on assets | 0.6293% | 3,418 |
| Return on Equity (ROE) | 2.9200% | 3,904 |
| Retained earnings to average equity (ytd only) | 1.2691% | 3,649 |
| Net charge-offs to loans | 0.1300% | 837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 8.7143% | 2,197 |
| Efficiency ratio | 82.0764% | 945 |
| Assets per employee ($millions) | 5.3235% | 3,430 |
| Cash dividends to net income (ytd only)* | 56.4626% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 1,779 |
| Loan loss allowance to noncurrent loans | 942.2222% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 3,177 |
| Noncurrent loans to loans | 0.1364% | 2,995 |
| Net loans and leases to total assets | 55.6300% | 3,287 |
| Net loans and leases to deposits | 71.3313% | 2,874 |
| Net loans and leases to core deposits | 94.2549% | 1,860 |
| Total domestic deposits to total assets | 77.9900% | 3,726 |
| Equity capital to assets | 17.9352% | 348 |
| Core capital (leverage) ratio | 19.0166% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $116,325,250 | 3,650 |
| Average earning assets | $111,461,750 | 3,608 |
| Average equity | $20,170,750 | 2,961 |
| Average total loans | $64,623,000 | 3,654 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 3,796 |
| Cost of funding earning assets | 1.5315% | 3,222 |
| Net interest margin | 2.9587% | 3,139 |
| Noninterest income to average assets | 0.6600% | 1,224 |
| Noninterest expense to average assets | 2.8898% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5015% | 3,424 |
| Return on assets (ROA) | 0.5015% | 3,461 |
| Pretax return on assets | 0.6049% | 3,438 |
| Return on Equity (ROE) | 2.9300% | 3,892 |
| Retained earnings to average equity (ytd only) | 1.2567% | 3,549 |
| Net charge-offs to loans | 0.0281% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,260 |
| Efficiency ratio | 82.6923% | 944 |
| Assets per employee ($millions) | 5.3005% | 3,373 |
| Cash dividends to net income (ytd only)* | 57.0447% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 1,451 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.3800% | 3,316 |
| Net loans and leases to deposits | 69.8728% | 3,002 |
| Net loans and leases to core deposits | 87.3438% | 2,323 |
| Total domestic deposits to total assets | 79.2600% | 3,554 |
| Equity capital to assets | 17.2086% | 379 |
| Core capital (leverage) ratio | 19.0969% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2942% | 218 |
| Memoranda: | ||
| Average total assets | $116,061,667 | 3,667 |
| Average earning assets | $111,264,667 | 3,626 |
| Average equity | $19,892,667 | 2,953 |
| Average total loans | $64,165,000 | 3,663 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 3,798 |
| Cost of funding earning assets | 1.4726% | 3,245 |
| Net interest margin | 2.9523% | 3,084 |
| Noninterest income to average assets | 0.5700% | 1,470 |
| Noninterest expense to average assets | 2.9710% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3696% | 3,682 |
| Return on assets (ROA) | 0.3696% | 3,704 |
| Pretax return on assets | 0.4215% | 3,719 |
| Return on Equity (ROE) | 2.1600% | 3,978 |
| Retained earnings to average equity (ytd only) | 0.4847% | 3,595 |
| Net charge-offs to loans | 0.0063% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 593 |
| Efficiency ratio | 87.5764% | 708 |
| Assets per employee ($millions) | 5.1995% | 3,506 |
| Cash dividends to net income (ytd only)* | 77.5701% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,266 |
| Loan loss allowance to noncurrent loans | 739.8374% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,913 |
| Noncurrent loans to loans | 0.1940% | 2,652 |
| Net loans and leases to total assets | 54.6300% | 3,295 |
| Net loans and leases to deposits | 67.3783% | 3,077 |
| Net loans and leases to core deposits | 85.4011% | 2,347 |
| Total domestic deposits to total assets | 81.0800% | 3,362 |
| Equity capital to assets | 17.2760% | 377 |
| Core capital (leverage) ratio | 19.0728% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2374% | 214 |
| Memoranda: | ||
| Average total assets | $115,787,500 | 3,687 |
| Average earning assets | $110,827,500 | 3,644 |
| Average equity | $19,805,500 | 2,970 |
| Average total loans | $63,505,500 | 3,685 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 3,504 |
| Cost of funding earning assets | 0.7953% | 3,745 |
| Net interest margin | 3.4655% | 2,265 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.7923% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9501% | 2,365 |
| Return on assets (ROA) | 0.9501% | 2,356 |
| Pretax return on assets | 1.2107% | 2,114 |
| Return on Equity (ROE) | 5.8500% | 3,550 |
| Retained earnings to average equity (ytd only) | 1.1688% | 3,796 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.7545% | 1,913 |
| Assets per employee ($millions) | 5.0950% | 3,562 |
| Cash dividends to net income (ytd only)* | 80.0360% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 1,272 |
| Loan loss allowance to noncurrent loans | 18,220.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,793 |
| Noncurrent loans to loans | 0.0079% | 3,718 |
| Net loans and leases to total assets | 53.5100% | 3,387 |
| Net loans and leases to deposits | 65.2378% | 3,222 |
| Net loans and leases to core deposits | 80.4315% | 2,683 |
| Total domestic deposits to total assets | 82.0200% | 3,125 |
| Equity capital to assets | 16.9382% | 391 |
| Core capital (leverage) ratio | 18.2801% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6864% | 209 |
| Memoranda: | ||
| Average total assets | $117,037,200 | 3,682 |
| Average earning assets | $112,278,600 | 3,623 |
| Average equity | $18,993,400 | 2,941 |
| Average total loans | $63,092,600 | 3,664 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 3,497 |
| Cost of funding earning assets | 0.6005% | 3,969 |
| Net interest margin | 3.5841% | 2,045 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.7475% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0940% | 2,076 |
| Return on assets (ROA) | 1.0940% | 2,060 |
| Pretax return on assets | 1.4028% | 1,773 |
| Return on Equity (ROE) | 6.8200% | 3,478 |
| Retained earnings to average equity (ytd only) | 1.3348% | 3,882 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.1999% | 2,250 |
| Assets per employee ($millions) | 5.1173% | 3,502 |
| Cash dividends to net income (ytd only)* | 80.4167% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 1,448 |
| Loan loss allowance to noncurrent loans | 403.0973% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 2,316 |
| Noncurrent loans to loans | 0.3471% | 1,982 |
| Net loans and leases to total assets | 54.5400% | 3,319 |
| Net loans and leases to deposits | 68.1472% | 2,973 |
| Net loans and leases to core deposits | 81.0520% | 2,526 |
| Total domestic deposits to total assets | 80.0400% | 3,521 |
| Equity capital to assets | 15.9792% | 449 |
| Core capital (leverage) ratio | 18.4865% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0380% | 233 |
| Memoranda: | ||
| Average total assets | $117,000,250 | 3,691 |
| Average earning assets | $112,346,000 | 3,635 |
| Average equity | $18,779,500 | 2,951 |
| Average total loans | $62,962,500 | 3,671 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1005% | 3,486 |
| Cost of funding earning assets | 0.4293% | 4,118 |
| Net interest margin | 3.6712% | 1,875 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.6771% | 1,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1167% | 2,072 |
| Return on assets (ROA) | 1.1167% | 2,066 |
| Pretax return on assets | 1.4319% | 1,742 |
| Return on Equity (ROE) | 6.9500% | 3,491 |
| Retained earnings to average equity (ytd only) | -0.0107% | 4,101 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.1521% | 2,354 |
| Assets per employee ($millions) | 5.3854% | 3,250 |
| Cash dividends to net income (ytd only)* | 100.1534% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,530 |
| Loan loss allowance to noncurrent loans | 545.5090% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 2,563 |
| Noncurrent loans to loans | 0.2570% | 2,236 |
| Net loans and leases to total assets | 54.0700% | 3,270 |
| Net loans and leases to deposits | 65.1486% | 3,117 |
| Net loans and leases to core deposits | 77.6291% | 2,648 |
| Total domestic deposits to total assets | 82.9900% | 3,050 |
| Equity capital to assets | 15.9328% | 453 |
| Core capital (leverage) ratio | 18.4008% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0731% | 219 |
| Memoranda: | ||
| Average total assets | $116,768,000 | 3,705 |
| Average earning assets | $112,278,667 | 3,651 |
| Average equity | $18,770,333 | 2,966 |
| Average total loans | $62,248,333 | 3,685 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 3,547 |
| Cost of funding earning assets | 0.2873% | 4,227 |
| Net interest margin | 3.6631% | 1,991 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.6399% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1215% | 2,160 |
| Return on assets (ROA) | 1.1215% | 2,125 |
| Pretax return on assets | 1.4494% | 1,770 |
| Return on Equity (ROE) | 6.9500% | 3,529 |
| Retained earnings to average equity (ytd only) | -4.4879% | 4,308 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.5570% | 2,377 |
| Assets per employee ($millions) | 5.7968% | 2,943 |
| Cash dividends to net income (ytd only)* | 164.6154% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 1,366 |
| 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 | 52.6200% | 3,306 |
| Net loans and leases to deposits | 63.7313% | 3,113 |
| Net loans and leases to core deposits | 74.1024% | 2,670 |
| Total domestic deposits to total assets | 82.5700% | 3,390 |
| Equity capital to assets | 16.2969% | 379 |
| Core capital (leverage) ratio | 18.6283% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7528% | 205 |
| Memoranda: | ||
| Average total assets | $115,912,500 | 3,760 |
| Average earning assets | $111,380,500 | 3,705 |
| Average equity | $18,717,000 | 3,002 |
| Average total loans | $60,888,000 | 3,749 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 2,400 |
| Cost of funding earning assets | 0.1817% | 3,895 |
| Net interest margin | 3.5712% | 1,724 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.7028% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1150% | 2,103 |
| Return on assets (ROA) | 1.1150% | 2,041 |
| Pretax return on assets | 1.4277% | 1,693 |
| Return on Equity (ROE) | 6.9100% | 3,656 |
| Retained earnings to average equity (ytd only) | 2.8357% | 3,764 |
| Net charge-offs to loans | 0.0062% | 2,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 428.0000% | 371 |
| Efficiency ratio | 65.4351% | 2,301 |
| Assets per employee ($millions) | 5.5185% | 3,197 |
| Cash dividends to net income (ytd only)* | 58.9379% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 1,142 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 50.8600% | 3,444 |
| Net loans and leases to deposits | 61.3131% | 3,251 |
| Net loans and leases to core deposits | 71.0152% | 2,799 |
| Total domestic deposits to total assets | 82.9600% | 3,431 |
| Equity capital to assets | 15.9981% | 387 |
| Core capital (leverage) ratio | 18.3510% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9929% | 195 |
| Memoranda: | ||
| Average total assets | $119,912,000 | 3,733 |
| Average earning assets | $115,592,000 | 3,673 |
| Average equity | $19,360,400 | 3,006 |
| Average total loans | $64,362,400 | 3,669 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6856% | 2,080 |
| Cost of funding earning assets | 0.1771% | 3,548 |
| Net interest margin | 3.5085% | 1,643 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.6971% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0938% | 2,131 |
| Return on assets (ROA) | 1.0938% | 2,093 |
| Pretax return on assets | 1.4026% | 1,710 |
| Return on Equity (ROE) | 6.7600% | 3,638 |
| Retained earnings to average equity (ytd only) | 2.7326% | 3,854 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.7881% | 2,308 |
| Assets per employee ($millions) | 5.6867% | 3,044 |
| Cash dividends to net income (ytd only)* | 59.5766% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 1,589 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.6900% | 3,131 |
| Net loans and leases to deposits | 64.1551% | 2,856 |
| Net loans and leases to core deposits | 76.6754% | 2,147 |
| Total domestic deposits to total assets | 83.6900% | 3,566 |
| Equity capital to assets | 15.1489% | 442 |
| Core capital (leverage) ratio | 17.8259% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7908% | 226 |
| Memoranda: | ||
| Average total assets | $120,917,750 | 3,742 |
| Average earning assets | $116,704,750 | 3,687 |
| Average equity | $19,565,500 | 3,031 |
| Average total loans | $65,489,250 | 3,669 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 1,895 |
| Cost of funding earning assets | 0.1718% | 3,292 |
| Net interest margin | 3.4114% | 1,566 |
| Noninterest income to average assets | 0.6358% | 1,595 |
| Noninterest expense to average assets | 2.7344% | 1,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9340% | 2,428 |
| Return on assets (ROA) | 0.9340% | 2,407 |
| Pretax return on assets | 1.2041% | 2,067 |
| Return on Equity (ROE) | 5.6539% | 3,670 |
| Retained earnings to average equity (ytd only) | 1.7251% | 3,818 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4270% | 2,040 |
| Assets per employee ($millions) | 5.4642% | 3,266 |
| Cash dividends to net income (ytd only)* | 69.4885% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 1,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 54.5124% | 2,909 |
| Net loans and leases to deposits | 65.5749% | 2,585 |
| Net loans and leases to core deposits | 78.5904% | 1,811 |
| Total domestic deposits to total assets | 83.1299% | 3,855 |
| Equity capital to assets | 15.7537% | 349 |
| Core capital (leverage) ratio | 17.8456% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5750% | 199 |
| Memoranda: | ||
| Average total assets | $121,416,667 | 3,787 |
| Average earning assets | $117,545,667 | 3,731 |
| Average equity | $20,057,000 | 3,067 |
| Average total loans | $65,642,000 | 3,700 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4972% | 1,821 |
| Cost of funding earning assets | 0.1689% | 3,234 |
| Net interest margin | 3.3283% | 1,504 |
| Noninterest income to average assets | 0.5737% | 1,806 |
| Noninterest expense to average assets | 2.7504% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8294% | 2,558 |
| Return on assets (ROA) | 0.8294% | 2,553 |
| Pretax return on assets | 1.0523% | 2,288 |
| Return on Equity (ROE) | 4.9087% | 3,648 |
| Retained earnings to average equity (ytd only) | 1.0865% | 3,808 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3276% | 1,934 |
| Assets per employee ($millions) | 5.0366% | 3,721 |
| Cash dividends to net income (ytd only)* | 77.8656% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,939 |
| 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 | 53.6442% | 2,806 |
| Net loans and leases to deposits | 64.9122% | 2,443 |
| Net loans and leases to core deposits | 78.0943% | 1,607 |
| Total domestic deposits to total assets | 82.6412% | 3,991 |
| Equity capital to assets | 16.2544% | 298 |
| Core capital (leverage) ratio | 17.6596% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7008% | 198 |
| Memoranda: | ||
| Average total assets | $122,018,500 | 3,798 |
| Average earning assets | $118,380,000 | 3,737 |
| Average equity | $20,616,500 | 3,093 |
| Average total loans | $65,240,000 | 3,714 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 1,697 |
| Cost of funding earning assets | 0.2019% | 3,445 |
| Net interest margin | 3.6696% | 1,291 |
| Noninterest income to average assets | 0.6734% | 1,857 |
| Noninterest expense to average assets | 2.8755% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0575% | 2,451 |
| Return on assets (ROA) | 1.0575% | 2,523 |
| Pretax return on assets | 1.3502% | 2,200 |
| Return on Equity (ROE) | 5.7533% | 3,834 |
| Retained earnings to average equity (ytd only) | 2.1264% | 3,953 |
| Net charge-offs to loans | 0.0047% | 2,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 532.0000% | 263 |
| Efficiency ratio | 68.0480% | 1,968 |
| Assets per employee ($millions) | 4.7369% | 3,934 |
| Cash dividends to net income (ytd only)* | 63.0400% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,874 |
| Loan loss allowance to noncurrent loans | 1,039.7727% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,462 |
| Noncurrent loans to loans | 0.1360% | 3,246 |
| Net loans and leases to total assets | 51.8078% | 3,090 |
| Net loans and leases to deposits | 63.6285% | 2,719 |
| Net loans and leases to core deposits | 75.4788% | 1,958 |
| Total domestic deposits to total assets | 81.4224% | 4,054 |
| Equity capital to assets | 17.5261% | 275 |
| Core capital (leverage) ratio | 17.5136% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1097% | 198 |
| Memoranda: | ||
| Average total assets | $118,204,600 | 3,819 |
| Average earning assets | $114,426,200 | 3,756 |
| Average equity | $21,726,600 | 3,079 |
| Average total loans | $63,602,800 | 3,766 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 1,563 |
| Cost of funding earning assets | 0.2063% | 3,544 |
| Net interest margin | 3.7817% | 1,158 |
| Noninterest income to average assets | 0.7238% | 1,753 |
| Noninterest expense to average assets | 2.8908% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1684% | 2,281 |
| Return on assets (ROA) | 1.1684% | 2,343 |
| Pretax return on assets | 1.4899% | 2,021 |
| Return on Equity (ROE) | 6.2799% | 3,848 |
| Retained earnings to average equity (ytd only) | 2.6590% | 4,014 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9901% | 2,100 |
| Assets per employee ($millions) | 4.3001% | 4,266 |
| Cash dividends to net income (ytd only)* | 57.6585% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 2,009 |
| Loan loss allowance to noncurrent loans | 30,600.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,261 |
| Noncurrent loans to loans | 0.0046% | 4,181 |
| Net loans and leases to total assets | 53.6125% | 3,018 |
| Net loans and leases to deposits | 66.4700% | 2,586 |
| Net loans and leases to core deposits | 76.2681% | 2,020 |
| Total domestic deposits to total assets | 80.6566% | 4,137 |
| Equity capital to assets | 18.1250% | 268 |
| Core capital (leverage) ratio | 18.1500% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6913% | 219 |
| Memoranda: | ||
| Average total assets | $116,966,000 | 3,882 |
| Average earning assets | $113,102,500 | 3,809 |
| Average equity | $21,762,000 | 3,113 |
| Average total loans | $63,323,250 | 3,824 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 1,429 |
| Cost of funding earning assets | 0.2169% | 3,578 |
| Net interest margin | 3.8439% | 1,078 |
| Noninterest income to average assets | 0.8168% | 1,487 |
| Noninterest expense to average assets | 2.8786% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3141% | 1,821 |
| Return on assets (ROA) | 1.3141% | 1,889 |
| Pretax return on assets | 1.6716% | 1,557 |
| Return on Equity (ROE) | 7.0004% | 3,657 |
| Retained earnings to average equity (ytd only) | 3.3760% | 3,724 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2638% | 2,528 |
| Assets per employee ($millions) | 4.5661% | 4,058 |
| Cash dividends to net income (ytd only)* | 51.7740% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,908 |
| Loan loss allowance to noncurrent loans | 125.2387% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 1,347 |
| Noncurrent loans to loans | 1.1296% | 1,070 |
| Net loans and leases to total assets | 53.8874% | 3,144 |
| Net loans and leases to deposits | 67.0130% | 2,718 |
| Net loans and leases to core deposits | 75.9732% | 2,239 |
| Total domestic deposits to total assets | 80.4132% | 4,164 |
| Equity capital to assets | 18.3654% | 252 |
| Core capital (leverage) ratio | 18.8607% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2776% | 211 |
| Memoranda: | ||
| Average total assets | $115,820,333 | 3,903 |
| Average earning assets | $112,489,333 | 3,832 |
| Average equity | $21,741,667 | 3,112 |
| Average total loans | $62,608,000 | 3,852 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 1,184 |
| Cost of funding earning assets | 0.2343% | 3,609 |
| Net interest margin | 3.9760% | 877 |
| Noninterest income to average assets | 0.5526% | 2,396 |
| Noninterest expense to average assets | 2.8748% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1996% | 2,148 |
| Return on assets (ROA) | 1.1996% | 2,224 |
| Pretax return on assets | 1.5353% | 1,898 |
| Return on Equity (ROE) | 6.3194% | 3,771 |
| Retained earnings to average equity (ytd only) | 2.6899% | 3,873 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1864% | 2,338 |
| Assets per employee ($millions) | 4.4904% | 4,107 |
| Cash dividends to net income (ytd only)* | 57.4344% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 1,675 |
| Loan loss allowance to noncurrent loans | 30,600.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 4,389 |
| Noncurrent loans to loans | 0.0048% | 4,307 |
| Net loans and leases to total assets | 54.4326% | 3,199 |
| Net loans and leases to deposits | 68.5122% | 2,648 |
| Net loans and leases to core deposits | 76.6767% | 2,293 |
| Total domestic deposits to total assets | 79.4495% | 4,274 |
| Equity capital to assets | 19.2375% | 215 |
| Core capital (leverage) ratio | 18.9604% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2335% | 188 |
| Memoranda: | ||
| Average total assets | $114,371,500 | 3,926 |
| Average earning assets | $110,967,000 | 3,860 |
| Average equity | $21,711,000 | 3,103 |
| Average total loans | $61,466,000 | 3,891 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 2,173 |
| Cost of funding earning assets | 0.2946% | 4,177 |
| Net interest margin | 3.8922% | 1,237 |
| Noninterest income to average assets | 0.7029% | 1,855 |
| Noninterest expense to average assets | 2.5554% | 2,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4864% | 842 |
| Return on assets (ROA) | 1.4864% | 914 |
| Pretax return on assets | 1.8950% | 558 |
| Return on Equity (ROE) | 7.7235% | 2,916 |
| Retained earnings to average equity (ytd only) | 2.2061% | 3,744 |
| Net charge-offs to loans | 0.0047% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 712.6667% | 167 |
| Efficiency ratio | 57.4188% | 3,801 |
| Assets per employee ($millions) | 4.6593% | 3,753 |
| Cash dividends to net income (ytd only)* | 71.4371% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 1,554 |
| 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 | 51.5011% | 3,702 |
| Net loans and leases to deposits | 64.3456% | 3,410 |
| Net loans and leases to core deposits | 73.1532% | 2,985 |
| Total domestic deposits to total assets | 80.0383% | 4,035 |
| Equity capital to assets | 18.7375% | 239 |
| Core capital (leverage) ratio | 18.5504% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,821,800 | 3,844 |
| Average earning assets | $108,627,200 | 3,787 |
| Average equity | $21,713,000 | 3,037 |
| Average total loans | $63,649,200 | 3,855 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 1,960 |
| Cost of funding earning assets | 0.3149% | 4,250 |
| Net interest margin | 4.0418% | 1,033 |
| Noninterest income to average assets | 0.6160% | 2,116 |
| Noninterest expense to average assets | 2.5056% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5608% | 794 |
| Return on assets (ROA) | 1.5608% | 872 |
| Pretax return on assets | 1.9945% | 521 |
| Return on Equity (ROE) | 8.0546% | 2,793 |
| Retained earnings to average equity (ytd only) | 4.4208% | 2,840 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6791% | 3,961 |
| Assets per employee ($millions) | 4.9507% | 3,310 |
| Cash dividends to net income (ytd only)* | 45.1145% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,546 |
| 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 | 55.0766% | 3,701 |
| Net loans and leases to deposits | 69.5953% | 3,346 |
| Net loans and leases to core deposits | 78.0887% | 3,000 |
| Total domestic deposits to total assets | 79.1385% | 4,039 |
| Equity capital to assets | 19.4441% | 226 |
| Core capital (leverage) ratio | 19.3363% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,906,500 | 3,853 |
| Average earning assets | $107,539,500 | 3,800 |
| Average equity | $21,684,750 | 3,030 |
| Average total loans | $64,334,500 | 3,858 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 1,843 |
| Cost of funding earning assets | 0.3224% | 4,389 |
| Net interest margin | 4.2029% | 914 |
| Noninterest income to average assets | 0.6094% | 2,095 |
| Noninterest expense to average assets | 2.4395% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7204% | 601 |
| Return on assets (ROA) | 1.7204% | 656 |
| Pretax return on assets | 2.2004% | 363 |
| Return on Equity (ROE) | 8.8887% | 2,403 |
| Retained earnings to average equity (ytd only) | 5.2292% | 2,374 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5765% | 4,320 |
| Assets per employee ($millions) | 4.8992% | 3,302 |
| Cash dividends to net income (ytd only)* | 41.1703% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 1,669 |
| 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 | 58.6039% | 3,461 |
| Net loans and leases to deposits | 74.0082% | 3,073 |
| Net loans and leases to core deposits | 83.4304% | 2,660 |
| Total domestic deposits to total assets | 79.1857% | 4,007 |
| Equity capital to assets | 19.5204% | 228 |
| Core capital (leverage) ratio | 19.3495% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,253,667 | 3,852 |
| Average earning assets | $106,689,000 | 3,795 |
| Average equity | $21,533,000 | 3,025 |
| Average total loans | $64,568,000 | 3,865 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 2,079 |
| Cost of funding earning assets | 0.3564% | 4,499 |
| Net interest margin | 4.2195% | 884 |
| Noninterest income to average assets | 0.6224% | 1,938 |
| Noninterest expense to average assets | 2.5258% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6646% | 546 |
| Return on assets (ROA) | 1.6646% | 604 |
| Pretax return on assets | 2.1241% | 357 |
| Return on Equity (ROE) | 8.6379% | 2,266 |
| Retained earnings to average equity (ytd only) | 4.9386% | 2,297 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3191% | 4,379 |
| Assets per employee ($millions) | 4.7354% | 2,948 |
| Cash dividends to net income (ytd only)* | 42.8261% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 1,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 57.3003% | 3,727 |
| Net loans and leases to deposits | 72.5084% | 3,401 |
| Net loans and leases to core deposits | 82.9706% | 2,938 |
| Total domestic deposits to total assets | 79.0257% | 4,050 |
| Equity capital to assets | 19.6623% | 262 |
| Core capital (leverage) ratio | 19.3574% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,539,500 | 3,840 |
| Average earning assets | $105,509,000 | 3,792 |
| Average equity | $21,301,500 | 3,049 |
| Average total loans | $63,373,500 | 3,900 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 2,678 |
| Cost of funding earning assets | 0.3368% | 4,637 |
| Net interest margin | 4.2451% | 1,221 |
| Noninterest income to average assets | 0.8815% | 1,218 |
| Noninterest expense to average assets | 2.5799% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8467% | 482 |
| Return on assets (ROA) | 1.8467% | 504 |
| Pretax return on assets | 2.3653% | 264 |
| Return on Equity (ROE) | 9.8056% | 2,391 |
| Retained earnings to average equity (ytd only) | 5.9519% | 1,891 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1699% | 4,594 |
| Assets per employee ($millions) | 5.0984% | 2,457 |
| Cash dividends to net income (ytd only)* | 39.3017% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,357 |
| Loan loss allowance to noncurrent loans | 23,025.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 4,672 |
| Noncurrent loans to loans | 0.0063% | 4,573 |
| Net loans and leases to total assets | 55.7188% | 3,941 |
| Net loans and leases to deposits | 69.7605% | 3,690 |
| Net loans and leases to core deposits | 82.0375% | 3,117 |
| Total domestic deposits to total assets | 79.8716% | 4,005 |
| Equity capital to assets | 18.8900% | 303 |
| Core capital (leverage) ratio | 18.9242% | 280 |
| Tier 1 risk-based capital ratio | 32.4336% | 404 |
| Total risk-based capital ratio | 33.6856% | 394 |
| Memoranda: | ||
| Average total assets | $108,570,000 | 3,850 |
| Average earning assets | $103,930,400 | 3,804 |
| Average equity | $20,447,400 | 3,092 |
| Average total loans | $65,640,600 | 3,865 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 2,617 |
| Cost of funding earning assets | 0.3226% | 4,741 |
| Net interest margin | 4.3114% | 1,143 |
| Noninterest income to average assets | 0.7591% | 1,563 |
| Noninterest expense to average assets | 2.5757% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8141% | 593 |
| Return on assets (ROA) | 1.8141% | 628 |
| Pretax return on assets | 2.3206% | 355 |
| Return on Equity (ROE) | 9.6400% | 2,606 |
| Retained earnings to average equity (ytd only) | 5.7511% | 2,477 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6050% | 4,549 |
| Assets per employee ($millions) | 4.7181% | 2,894 |
| Cash dividends to net income (ytd only)* | 40.3414% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 1,536 |
| Loan loss allowance to noncurrent loans | 2,790.9091% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,578 |
| Noncurrent loans to loans | 0.0505% | 4,420 |
| Net loans and leases to total assets | 59.3590% | 3,735 |
| Net loans and leases to deposits | 74.7696% | 3,411 |
| Net loans and leases to core deposits | 86.9543% | 2,821 |
| Total domestic deposits to total assets | 79.3892% | 4,102 |
| Equity capital to assets | 19.2257% | 296 |
| Core capital (leverage) ratio | 19.1815% | 280 |
| Tier 1 risk-based capital ratio | 30.7726% | 459 |
| Total risk-based capital ratio | 32.0236% | 452 |
| Memoranda: | ||
| Average total assets | $107,671,250 | 3,905 |
| Average earning assets | $103,320,250 | 3,857 |
| Average equity | $20,262,250 | 3,127 |
| Average total loans | $66,196,250 | 3,894 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 2,926 |
| Cost of funding earning assets | 0.3020% | 4,822 |
| Net interest margin | 4.2263% | 1,297 |
| Noninterest income to average assets | 0.7654% | 1,457 |
| Noninterest expense to average assets | 2.5906% | 3,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7674% | 637 |
| Return on assets (ROA) | 1.7674% | 665 |
| Pretax return on assets | 2.2404% | 410 |
| Return on Equity (ROE) | 9.4607% | 2,652 |
| Retained earnings to average equity (ytd only) | 5.5328% | 2,502 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6237% | 4,512 |
| Assets per employee ($millions) | 4.5269% | 3,099 |
| Cash dividends to net income (ytd only)* | 41.5174% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 1,733 |
| Loan loss allowance to noncurrent loans | 37.9950% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.2311% | 372 |
| Noncurrent loans to loans | 3.6088% | 224 |
| Net loans and leases to total assets | 60.9766% | 3,654 |
| Net loans and leases to deposits | 76.4521% | 3,293 |
| Net loans and leases to core deposits | 87.8574% | 2,813 |
| Total domestic deposits to total assets | 79.7579% | 4,082 |
| Equity capital to assets | 18.9028% | 299 |
| Core capital (leverage) ratio | 18.9810% | 278 |
| Tier 1 risk-based capital ratio | 29.4092% | 501 |
| Total risk-based capital ratio | 30.6599% | 492 |
| Memoranda: | ||
| Average total assets | $107,389,670 | 3,934 |
| Average earning assets | $103,305,670 | 3,882 |
| Average equity | $20,062,000 | 3,142 |
| Average total loans | $66,483,330 | 3,917 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 3,009 |
| Cost of funding earning assets | 0.2771% | 4,910 |
| Net interest margin | 4.1831% | 1,337 |
| Noninterest income to average assets | 0.6257% | 1,935 |
| Noninterest expense to average assets | 2.6152% | 3,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6148% | 869 |
| Return on assets (ROA) | 1.6148% | 902 |
| Pretax return on assets | 2.0269% | 612 |
| Return on Equity (ROE) | 8.6963% | 2,950 |
| Retained earnings to average equity (ytd only) | 4.7214% | 3,032 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3358% | 4,286 |
| Assets per employee ($millions) | 4.3993% | 3,333 |
| Cash dividends to net income (ytd only)* | 45.7077% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 1,650 |
| Loan loss allowance to noncurrent loans | 343.6567% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 2,971 |
| Noncurrent loans to loans | 0.4098% | 3,119 |
| Net loans and leases to total assets | 61.0604% | 3,597 |
| Net loans and leases to deposits | 76.6414% | 3,202 |
| Net loans and leases to core deposits | 87.3672% | 2,748 |
| Total domestic deposits to total assets | 79.6702% | 4,227 |
| Equity capital to assets | 18.9820% | 287 |
| Core capital (leverage) ratio | 18.8983% | 283 |
| Tier 1 risk-based capital ratio | 29.8251% | 484 |
| Total risk-based capital ratio | 31.0764% | 474 |
| Memoranda: | ||
| Average total assets | $106,762,000 | 3,987 |
| Average earning assets | $102,507,000 | 3,931 |
| Average equity | $19,824,500 | 3,173 |
| Average total loans | $66,140,500 | 3,962 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 2,807 |
| Cost of funding earning assets | 0.2748% | 4,680 |
| Net interest margin | 4.1123% | 1,647 |
| Noninterest income to average assets | 0.5469% | 2,570 |
| Noninterest expense to average assets | 2.5978% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4815% | 1,169 |
| Return on assets (ROA) | 1.4815% | 1,155 |
| Pretax return on assets | 1.8729% | 762 |
| Return on Equity (ROE) | 8.2978% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.1507% | 2,690 |
| Net charge-offs to loans | -0.0470% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1064% | 4,143 |
| Assets per employee ($millions) | 4.4975% | 3,175 |
| Cash dividends to net income (ytd only)* | 37.9267% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 1,728 |
| Loan loss allowance to noncurrent loans | 243.0079% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 2,361 |
| Noncurrent loans to loans | 0.5666% | 2,571 |
| Net loans and leases to total assets | 61.1164% | 3,655 |
| Net loans and leases to deposits | 75.9050% | 3,354 |
| Net loans and leases to core deposits | 86.1439% | 2,902 |
| Total domestic deposits to total assets | 80.5170% | 3,993 |
| Equity capital to assets | 18.1647% | 330 |
| Core capital (leverage) ratio | 18.3133% | 308 |
| Tier 1 risk-based capital ratio | 28.8463% | 519 |
| Total risk-based capital ratio | 30.0973% | 512 |
| Memoranda: | ||
| Average total assets | $106,783,600 | 3,991 |
| Average earning assets | $101,890,400 | 3,951 |
| Average equity | $19,065,200 | 3,176 |
| Average total loans | $68,106,000 | 3,916 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,783 |
| Cost of funding earning assets | 0.2774% | 4,644 |
| Net interest margin | 4.0753% | 1,706 |
| Noninterest income to average assets | 0.5434% | 2,600 |
| Noninterest expense to average assets | 2.5641% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4799% | 1,247 |
| Return on assets (ROA) | 1.4799% | 1,245 |
| Pretax return on assets | 1.8605% | 881 |
| Return on Equity (ROE) | 8.3253% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.1558% | 3,152 |
| Net charge-offs to loans | -0.0624% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9513% | 4,135 |
| Assets per employee ($millions) | 4.3667% | 3,335 |
| Cash dividends to net income (ytd only)* | 38.0714% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 1,828 |
| Loan loss allowance to noncurrent loans | 331.2950% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 2,527 |
| Noncurrent loans to loans | 0.4119% | 3,178 |
| Net loans and leases to total assets | 63.5137% | 3,484 |
| Net loans and leases to deposits | 79.2341% | 3,118 |
| Net loans and leases to core deposits | 88.6384% | 2,781 |
| Total domestic deposits to total assets | 80.1595% | 4,077 |
| Equity capital to assets | 18.3347% | 309 |
| Core capital (leverage) ratio | 18.4585% | 298 |
| Tier 1 risk-based capital ratio | 28.2101% | 554 |
| Total risk-based capital ratio | 29.4609% | 545 |
| Memoranda: | ||
| Average total assets | $106,494,500 | 4,029 |
| Average earning assets | $101,421,750 | 3,992 |
| Average equity | $18,929,750 | 3,209 |
| Average total loans | $68,410,000 | 3,939 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2875% | 2,809 |
| Cost of funding earning assets | 0.2806% | 4,560 |
| Net interest margin | 4.0069% | 1,834 |
| Noninterest income to average assets | 0.5399% | 2,632 |
| Noninterest expense to average assets | 2.5687% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4235% | 1,357 |
| Return on assets (ROA) | 1.4235% | 1,360 |
| Pretax return on assets | 1.7859% | 997 |
| Return on Equity (ROE) | 8.0915% | 3,462 |
| Retained earnings to average equity (ytd only) | 4.9058% | 3,121 |
| Net charge-offs to loans | -0.0931% | 5,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9876% | 4,086 |
| Assets per employee ($millions) | 4.4063% | 3,267 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 1,784 |
| Loan loss allowance to noncurrent loans | 328.9286% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 2,575 |
| Noncurrent loans to loans | 0.4227% | 3,187 |
| Net loans and leases to total assets | 61.7715% | 3,632 |
| Net loans and leases to deposits | 76.6696% | 3,276 |
| Net loans and leases to core deposits | 87.2662% | 2,796 |
| Total domestic deposits to total assets | 80.5685% | 4,109 |
| Equity capital to assets | 17.9809% | 326 |
| Core capital (leverage) ratio | 18.2383% | 304 |
| Tier 1 risk-based capital ratio | 27.5550% | 581 |
| Total risk-based capital ratio | 28.8054% | 577 |
| Memoranda: | ||
| Average total assets | $107,059,000 | 4,065 |
| Average earning assets | $101,923,330 | 4,019 |
| Average equity | $18,834,670 | 3,238 |
| Average total loans | $68,718,670 | 3,960 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 2,587 |
| Cost of funding earning assets | 0.2785% | 4,520 |
| Net interest margin | 4.0049% | 1,713 |
| Noninterest income to average assets | 0.5385% | 2,585 |
| Noninterest expense to average assets | 2.5475% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4260% | 1,264 |
| Return on assets (ROA) | 1.4260% | 1,273 |
| Pretax return on assets | 1.7825% | 946 |
| Return on Equity (ROE) | 8.1944% | 3,298 |
| Retained earnings to average equity (ytd only) | 4.9935% | 3,176 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8336% | 4,243 |
| Assets per employee ($millions) | 4.4701% | 3,209 |
| Cash dividends to net income (ytd only)* | 39.0625% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 3,721 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 62.2363% | 3,522 |
| Net loans and leases to deposits | 76.8891% | 3,124 |
| Net loans and leases to core deposits | 88.0869% | 2,624 |
| Total domestic deposits to total assets | 80.9429% | 4,221 |
| Equity capital to assets | 17.5172% | 355 |
| Core capital (leverage) ratio | 17.7273% | 325 |
| Tier 1 risk-based capital ratio | 27.6701% | 576 |
| Total risk-based capital ratio | 28.9203% | 567 |
| Memoranda: | ||
| Average total assets | $107,713,000 | 4,098 |
| Average earning assets | $101,975,000 | 4,063 |
| Average equity | $18,744,500 | 3,280 |
| Average total loans | $69,955,500 | 3,969 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,069 |
| Cost of funding earning assets | 0.2874% | 4,252 |
| Net interest margin | 4.0977% | 1,447 |
| Noninterest income to average assets | 0.5525% | 2,704 |
| Noninterest expense to average assets | 2.5384% | 3,644 |
| Loan and lease loss provision to assets | 0.0388% | 3,495 |
| Net operating income to assets | 1.2067% | 1,500 |
| Return on assets (ROA) | 1.2061% | 1,534 |
| Pretax return on assets | 1.8790% | 632 |
| Return on Equity (ROE) | 6.7218% | 3,423 |
| Retained earnings to average equity (ytd only) | 3.4746% | 3,200 |
| Net charge-offs to loans | 0.0028% | 4,010 |
| Credit loss provision to net charge-offs | 2,000.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 988.0000% | 84 |
| Efficiency ratio | 56.9499% | 4,664 |
| Assets per employee ($millions) | 4.5060% | 3,173 |
| Cash dividends to net income (ytd only)* | 48.3092% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,597 |
| Loan loss allowance to noncurrent loans | 146.6997% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8997% | 1,726 |
| Noncurrent loans to loans | 0.8387% | 2,124 |
| Net loans and leases to total assets | 65.9904% | 3,100 |
| Net loans and leases to deposits | 81.2228% | 2,793 |
| Net loans and leases to core deposits | 92.7998% | 2,297 |
| Total domestic deposits to total assets | 81.2461% | 4,062 |
| Equity capital to assets | 17.2882% | 373 |
| Core capital (leverage) ratio | 17.8441% | 306 |
| Tier 1 risk-based capital ratio | 26.0808% | 658 |
| Total risk-based capital ratio | 27.3185% | 650 |
| Memoranda: | ||
| Average total assets | $102,980,200 | 4,189 |
| Average earning assets | $98,129,000 | 4,127 |
| Average equity | $18,477,200 | 3,303 |
| Average total loans | $70,857,000 | 3,942 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 2,065 |
| Cost of funding earning assets | 0.2871% | 4,248 |
| Net interest margin | 4.0763% | 1,461 |
| Noninterest income to average assets | 0.5599% | 2,670 |
| Noninterest expense to average assets | 2.5764% | 3,480 |
| Loan and lease loss provision to assets | 0.0131% | 3,884 |
| Net operating income to assets | 1.3033% | 1,319 |
| Return on assets (ROA) | 1.3033% | 1,361 |
| Pretax return on assets | 1.8802% | 721 |
| Return on Equity (ROE) | 7.1939% | 3,547 |
| Retained earnings to average equity (ytd only) | 3.9371% | 3,579 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6415% | 4,548 |
| Assets per employee ($millions) | 4.3355% | 3,418 |
| Cash dividends to net income (ytd only)* | 45.2720% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 3,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 3,625 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 70.3786% | 2,504 |
| Net loans and leases to deposits | 88.5074% | 1,987 |
| Net loans and leases to core deposits | 102.5702% | 1,503 |
| Total domestic deposits to total assets | 79.5172% | 4,435 |
| Equity capital to assets | 18.0447% | 333 |
| Core capital (leverage) ratio | 18.2350% | 291 |
| Tier 1 risk-based capital ratio | 26.1493% | 664 |
| Total risk-based capital ratio | 27.3576% | 656 |
| Memoranda: | ||
| Average total assets | $101,689,500 | 4,248 |
| Average earning assets | $97,537,500 | 4,176 |
| Average equity | $18,422,500 | 3,340 |
| Average total loans | $70,508,000 | 3,980 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 2,174 |
| Cost of funding earning assets | 0.2782% | 4,309 |
| Net interest margin | 4.0106% | 1,570 |
| Noninterest income to average assets | 0.5570% | 2,671 |
| Noninterest expense to average assets | 2.6521% | 3,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2309% | 1,499 |
| Return on assets (ROA) | 1.2309% | 1,532 |
| Pretax return on assets | 1.7621% | 918 |
| Return on Equity (ROE) | 6.7852% | 3,667 |
| Retained earnings to average equity (ytd only) | 3.5073% | 3,621 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0808% | 4,308 |
| Assets per employee ($millions) | 4.2345% | 3,547 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 3,147 |
| Loan loss allowance to noncurrent loans | 2,745.1613% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 3,547 |
| Noncurrent loans to loans | 0.0429% | 4,979 |
| Net loans and leases to total assets | 70.2290% | 2,492 |
| Net loans and leases to deposits | 89.9289% | 1,737 |
| Net loans and leases to core deposits | 103.9816% | 1,352 |
| Total domestic deposits to total assets | 78.0939% | 4,800 |
| Equity capital to assets | 18.2723% | 307 |
| Core capital (leverage) ratio | 18.3448% | 286 |
| Tier 1 risk-based capital ratio | 26.0749% | 671 |
| Total risk-based capital ratio | 27.2802% | 655 |
| Memoranda: | ||
| Average total assets | $100,901,670 | 4,288 |
| Average earning assets | $97,042,670 | 4,216 |
| Average equity | $18,304,670 | 3,362 |
| Average total loans | $69,313,330 | 4,035 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 2,360 |
| Cost of funding earning assets | 0.2731% | 4,322 |
| Net interest margin | 3.9023% | 1,770 |
| Noninterest income to average assets | 0.5490% | 2,670 |
| Noninterest expense to average assets | 2.6895% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1419% | 1,703 |
| Return on assets (ROA) | 1.1419% | 1,742 |
| Pretax return on assets | 1.6113% | 1,205 |
| Return on Equity (ROE) | 6.3174% | 3,758 |
| Retained earnings to average equity (ytd only) | 3.0156% | 3,905 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5347% | 4,071 |
| Assets per employee ($millions) | 4.1793% | 3,696 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,921 |
| Loan loss allowance to noncurrent loans | 967.0455% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 3,289 |
| Noncurrent loans to loans | 0.1275% | 4,672 |
| Net loans and leases to total assets | 67.9541% | 2,693 |
| Net loans and leases to deposits | 84.9547% | 2,164 |
| Net loans and leases to core deposits | 97.2020% | 1,735 |
| Total domestic deposits to total assets | 79.9886% | 4,621 |
| Equity capital to assets | 18.2258% | 291 |
| Core capital (leverage) ratio | 18.3320% | 267 |
| Tier 1 risk-based capital ratio | 26.8522% | 633 |
| Total risk-based capital ratio | 28.1029% | 624 |
| Memoranda: | ||
| Average total assets | $100,538,000 | 4,340 |
| Average earning assets | $96,661,500 | 4,260 |
| Average equity | $18,172,000 | 3,390 |
| Average total loans | $67,858,000 | 4,098 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 2,722 |
| Cost of funding earning assets | 0.2732% | 4,326 |
| Net interest margin | 3.8599% | 2,100 |
| Noninterest income to average assets | 0.5719% | 2,803 |
| Noninterest expense to average assets | 2.6880% | 3,380 |
| Loan and lease loss provision to assets | 0.0602% | 3,171 |
| Net operating income to assets | 1.0987% | 1,910 |
| Return on assets (ROA) | 1.0987% | 2,003 |
| Pretax return on assets | 1.5231% | 1,513 |
| Return on Equity (ROE) | 6.0549% | 3,958 |
| Retained earnings to average equity (ytd only) | 2.7371% | 3,953 |
| Net charge-offs to loans | 0.0093% | 3,951 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 263.0000% | 272 |
| Efficiency ratio | 62.9316% | 4,116 |
| Assets per employee ($millions) | 3.8759% | 4,182 |
| Cash dividends to net income (ytd only)* | 54.7945% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 3,692 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 65.3489% | 3,168 |
| Net loans and leases to deposits | 81.2902% | 2,752 |
| Net loans and leases to core deposits | 90.4588% | 2,459 |
| Total domestic deposits to total assets | 80.3896% | 4,483 |
| Equity capital to assets | 17.9244% | 306 |
| Core capital (leverage) ratio | 17.9655% | 289 |
| Tier 1 risk-based capital ratio | 26.7980% | 635 |
| Total risk-based capital ratio | 28.0483% | 620 |
| Memoranda: | ||
| Average total assets | $99,666,800 | 4,352 |
| Average earning assets | $95,519,400 | 4,280 |
| Average equity | $18,084,600 | 3,393 |
| Average total loans | $64,535,800 | 4,170 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 2,798 |
| Cost of funding earning assets | 0.2689% | 4,400 |
| Net interest margin | 3.8516% | 2,154 |
| Noninterest income to average assets | 0.5876% | 2,723 |
| Noninterest expense to average assets | 2.6816% | 3,393 |
| Loan and lease loss provision to assets | 0.0805% | 2,598 |
| Net operating income to assets | 1.0960% | 2,015 |
| Return on assets (ROA) | 1.0960% | 2,118 |
| Pretax return on assets | 1.5145% | 1,667 |
| Return on Equity (ROE) | 6.0216% | 4,052 |
| Retained earnings to average equity (ytd only) | 2.7049% | 4,274 |
| Net charge-offs to loans | 0.0167% | 3,390 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 148.5745% | 468 |
| Efficiency ratio | 62.7039% | 4,108 |
| Assets per employee ($millions) | 3.8613% | 4,193 |
| Cash dividends to net income (ytd only)* | 55.0798% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 3,844 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 67.0236% | 2,953 |
| Net loans and leases to deposits | 84.5176% | 2,427 |
| Net loans and leases to core deposits | 93.0458% | 2,273 |
| Total domestic deposits to total assets | 79.3013% | 4,655 |
| Equity capital to assets | 18.2523% | 321 |
| Core capital (leverage) ratio | 18.0437% | 301 |
| Tier 1 risk-based capital ratio | 25.9923% | 719 |
| Total risk-based capital ratio | 27.2209% | 700 |
| Memoranda: | ||
| Average total assets | $99,390,250 | 4,391 |
| Average earning assets | $95,197,250 | 4,322 |
| Average equity | $18,090,000 | 3,416 |
| Average total loans | $63,993,500 | 4,205 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 3,112 |
| Cost of funding earning assets | 0.2613% | 4,534 |
| Net interest margin | 3.7762% | 2,420 |
| Noninterest income to average assets | 0.6057% | 2,592 |
| Noninterest expense to average assets | 2.7015% | 3,395 |
| Loan and lease loss provision to assets | 0.1211% | 1,887 |
| Net operating income to assets | 1.0277% | 2,257 |
| Return on assets (ROA) | 1.0277% | 2,399 |
| Pretax return on assets | 1.4012% | 2,021 |
| Return on Equity (ROE) | 5.6518% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.3207% | 4,395 |
| Net charge-offs to loans | 0.0224% | 3,044 |
| Credit loss provision to net charge-offs | 857.1429% | 419 |
| Earnings coverage of net charge-offs (x) | 107.7143% | 532 |
| Efficiency ratio | 63.9579% | 4,025 |
| Assets per employee ($millions) | 3.8725% | 4,132 |
| Cash dividends to net income (ytd only)* | 58.9391% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,715 |
| Loan loss allowance to noncurrent loans | 664.0625% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 3,470 |
| Noncurrent loans to loans | 0.1978% | 4,649 |
| Net loans and leases to total assets | 63.4371% | 3,443 |
| Net loans and leases to deposits | 79.3281% | 3,017 |
| Net loans and leases to core deposits | 87.4945% | 2,778 |
| Total domestic deposits to total assets | 79.9680% | 4,556 |
| Equity capital to assets | 18.1340% | 328 |
| Core capital (leverage) ratio | 18.0192% | 295 |
| Tier 1 risk-based capital ratio | 26.9841% | 655 |
| Total risk-based capital ratio | 28.2345% | 633 |
| Memoranda: | ||
| Average total assets | $99,056,000 | 4,437 |
| Average earning assets | $94,911,000 | 4,365 |
| Average equity | $18,012,000 | 3,439 |
| Average total loans | $62,612,670 | 4,269 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 2,866 |
| Cost of funding earning assets | 0.2506% | 4,701 |
| Net interest margin | 3.8433% | 2,133 |
| Noninterest income to average assets | 0.6596% | 2,221 |
| Noninterest expense to average assets | 2.6995% | 3,419 |
| Loan and lease loss provision to assets | 0.1221% | 1,727 |
| Net operating income to assets | 1.0912% | 1,940 |
| Return on assets (ROA) | 1.0912% | 2,040 |
| Pretax return on assets | 1.5228% | 1,522 |
| Return on Equity (ROE) | 5.9925% | 3,993 |
| Retained earnings to average equity (ytd only) | 2.6385% | 4,191 |
| Net charge-offs to loans | 0.0455% | 2,107 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 57.7143% | 807 |
| Efficiency ratio | 62.1368% | 4,424 |
| Assets per employee ($millions) | 3.8202% | 4,263 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,522 |
| Loan loss allowance to noncurrent loans | 5,466.6667% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 3,932 |
| Noncurrent loans to loans | 0.0252% | 5,394 |
| Net loans and leases to total assets | 59.0838% | 3,909 |
| Net loans and leases to deposits | 73.8548% | 3,453 |
| Net loans and leases to core deposits | 82.1850% | 3,114 |
| Total domestic deposits to total assets | 80.0000% | 4,741 |
| Equity capital to assets | 18.1284% | 315 |
| Core capital (leverage) ratio | 18.3175% | 271 |
| Tier 1 risk-based capital ratio | 28.5717% | 571 |
| Total risk-based capital ratio | 29.8234% | 557 |
| Memoranda: | ||
| Average total assets | $98,242,000 | 4,496 |
| Average earning assets | $94,190,000 | 4,418 |
| Average equity | $17,889,000 | 3,455 |
| Average total loans | $61,558,500 | 4,327 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 2,571 |
| Cost of funding earning assets | 0.2082% | 5,214 |
| Net interest margin | 3.9881% | 1,757 |
| Noninterest income to average assets | 0.5446% | 3,045 |
| Noninterest expense to average assets | 2.8052% | 3,204 |
| Loan and lease loss provision to assets | 0.0391% | 3,552 |
| Net operating income to assets | 1.1049% | 1,904 |
| Return on assets (ROA) | 1.1049% | 1,968 |
| Pretax return on assets | 1.5204% | 1,491 |
| Return on Equity (ROE) | 6.4759% | 3,793 |
| Retained earnings to average equity (ytd only) | 3.0374% | 3,891 |
| Net charge-offs to loans | -0.0015% | 4,855 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2697% | 4,205 |
| Assets per employee ($millions) | 3.5985% | 4,647 |
| Cash dividends to net income (ytd only)* | 53.0973% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 3,152 |
| Loan loss allowance to noncurrent loans | 15,940.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 3,945 |
| Noncurrent loans to loans | 0.0079% | 5,510 |
| Net loans and leases to total assets | 64.6518% | 3,174 |
| Net loans and leases to deposits | 81.0276% | 2,705 |
| Net loans and leases to core deposits | 86.2843% | 2,774 |
| Total domestic deposits to total assets | 79.7898% | 4,798 |
| Equity capital to assets | 18.2917% | 293 |
| Core capital (leverage) ratio | 17.7842% | 292 |
| Tier 1 risk-based capital ratio | 26.9156% | 670 |
| Total risk-based capital ratio | 28.1348% | 656 |
| Memoranda: | ||
| Average total assets | $102,275,200 | 4,419 |
| Average earning assets | $97,965,600 | 4,335 |
| Average equity | $17,449,200 | 3,464 |
| Average total loans | $65,387,000 | 4,220 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 2,705 |
| Cost of funding earning assets | 0.1987% | 5,388 |
| Net interest margin | 3.9642% | 1,828 |
| Noninterest income to average assets | 0.5498% | 3,055 |
| Noninterest expense to average assets | 2.8287% | 3,076 |
| Loan and lease loss provision to assets | 0.0129% | 4,014 |
| Net operating income to assets | 1.0944% | 2,033 |
| Return on assets (ROA) | 1.0944% | 2,117 |
| Pretax return on assets | 1.5090% | 1,660 |
| Return on Equity (ROE) | 6.5251% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.0706% | 4,263 |
| Net charge-offs to loans | -0.0020% | 4,702 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0192% | 4,061 |
| Assets per employee ($millions) | 3.7768% | 4,308 |
| Cash dividends to net income (ytd only)* | 52.9414% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 3,921 |
| Loan loss allowance to noncurrent loans | 38,350.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 4,203 |
| Noncurrent loans to loans | 0.0030% | 5,654 |
| Net loans and leases to total assets | 64.6273% | 3,208 |
| Net loans and leases to deposits | 84.3159% | 2,371 |
| Net loans and leases to core deposits | 90.3499% | 2,429 |
| Total domestic deposits to total assets | 76.6489% | 5,400 |
| Equity capital to assets | 17.3181% | 403 |
| Core capital (leverage) ratio | 17.1496% | 368 |
| Tier 1 risk-based capital ratio | 25.1161% | 846 |
| Total risk-based capital ratio | 26.2191% | 849 |
| Memoranda: | ||
| Average total assets | $103,554,250 | 4,437 |
| Average earning assets | $99,286,500 | 4,354 |
| Average equity | $17,368,500 | 3,510 |
| Average total loans | $65,830,750 | 4,243 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 2,873 |
| Cost of funding earning assets | 0.1883% | 5,541 |
| Net interest margin | 3.9181% | 1,919 |
| Noninterest income to average assets | 0.5496% | 3,046 |
| Noninterest expense to average assets | 2.8497% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0646% | 2,080 |
| Return on assets (ROA) | 1.0646% | 2,191 |
| Pretax return on assets | 1.4585% | 1,771 |
| Return on Equity (ROE) | 6.4153% | 3,920 |
| Retained earnings to average equity (ytd only) | 2.9413% | 4,162 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1463% | 3,980 |
| Assets per employee ($millions) | 4.0698% | 3,744 |
| Cash dividends to net income (ytd only)* | 54.1516% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 4,158 |
| Loan loss allowance to noncurrent loans | 687.2727% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 3,957 |
| Noncurrent loans to loans | 0.1651% | 5,102 |
| Net loans and leases to total assets | 64.7498% | 3,160 |
| Net loans and leases to deposits | 81.7266% | 2,593 |
| Net loans and leases to core deposits | 87.6155% | 2,590 |
| Total domestic deposits to total assets | 79.2273% | 5,043 |
| Equity capital to assets | 17.0497% | 417 |
| Core capital (leverage) ratio | 17.0084% | 365 |
| Tier 1 risk-based capital ratio | 24.7231% | 891 |
| Total risk-based capital ratio | 25.8023% | 889 |
| Memoranda: | ||
| Average total assets | $104,081,000 | 4,466 |
| Average earning assets | $99,844,670 | 4,374 |
| Average equity | $17,271,330 | 3,528 |
| Average total loans | $65,551,000 | 4,290 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 3,164 |
| Cost of funding earning assets | 0.1865% | 5,630 |
| Net interest margin | 3.8326% | 2,123 |
| Noninterest income to average assets | 0.5321% | 3,076 |
| Noninterest expense to average assets | 2.8010% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0299% | 2,128 |
| Return on assets (ROA) | 1.0299% | 2,270 |
| Pretax return on assets | 1.4024% | 1,882 |
| Return on Equity (ROE) | 6.2901% | 3,880 |
| Retained earnings to average equity (ytd only) | 2.8085% | 4,280 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6365% | 4,045 |
| Assets per employee ($millions) | 3.9749% | 4,014 |
| Cash dividends to net income (ytd only)* | 55.3506% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 4,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 4,485 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 62.6901% | 3,268 |
| Net loans and leases to deposits | 75.9480% | 3,062 |
| Net loans and leases to core deposits | 79.8553% | 3,183 |
| Total domestic deposits to total assets | 82.5434% | 4,329 |
| Equity capital to assets | 16.8383% | 451 |
| Core capital (leverage) ratio | 15.9788% | 469 |
| Tier 1 risk-based capital ratio | 24.4491% | 945 |
| Total risk-based capital ratio | 25.5246% | 950 |
| Memoranda: | ||
| Average total assets | $105,249,500 | 4,472 |
| Average earning assets | $100,818,500 | 4,380 |
| Average equity | $17,233,500 | 3,561 |
| Average total loans | $65,009,000 | 4,333 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 3,715 |
| Cost of funding earning assets | 0.1918% | 5,821 |
| Net interest margin | 3.8129% | 2,579 |
| Noninterest income to average assets | 0.5026% | 3,483 |
| Noninterest expense to average assets | 2.5860% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1606% | 1,716 |
| Return on assets (ROA) | 1.1606% | 1,793 |
| Pretax return on assets | 1.5595% | 1,355 |
| Return on Equity (ROE) | 7.5922% | 3,331 |
| Retained earnings to average equity (ytd only) | 3.9596% | 3,398 |
| Net charge-offs to loans | 0.0048% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 561.6667% | 92 |
| Efficiency ratio | 62.3800% | 4,850 |
| Assets per employee ($millions) | 4.1212% | 3,683 |
| Cash dividends to net income (ytd only)* | 47.8469% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 4,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 4,583 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 59.4647% | 3,852 |
| Net loans and leases to deposits | 71.1985% | 3,766 |
| Net loans and leases to core deposits | 75.7571% | 3,739 |
| Total domestic deposits to total assets | 83.5195% | 3,911 |
| Equity capital to assets | 15.9261% | 547 |
| Core capital (leverage) ratio | 15.8198% | 489 |
| Tier 1 risk-based capital ratio | 25.0624% | 834 |
| Total risk-based capital ratio | 26.1728% | 831 |
| Memoranda: | ||
| Average total assets | $108,045,000 | 4,414 |
| Average earning assets | $103,227,200 | 4,323 |
| Average equity | $16,517,000 | 3,601 |
| Average total loans | $62,996,000 | 4,398 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 3,784 |
| Cost of funding earning assets | 0.1935% | 5,884 |
| Net interest margin | 3.8005% | 2,624 |
| Noninterest income to average assets | 0.4988% | 3,556 |
| Noninterest expense to average assets | 2.5886% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1440% | 1,883 |
| Return on assets (ROA) | 1.1440% | 1,947 |
| Pretax return on assets | 1.5381% | 1,516 |
| Return on Equity (ROE) | 7.5619% | 3,417 |
| Retained earnings to average equity (ytd only) | 3.8990% | 3,878 |
| Net charge-offs to loans | 0.0170% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 156.0722% | 399 |
| Efficiency ratio | 62.7275% | 4,777 |
| Assets per employee ($millions) | 4.1127% | 3,639 |
| Cash dividends to net income (ytd only)* | 48.4394% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 4,411 |
| Loan loss allowance to noncurrent loans | 55.9613% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.6263% | 1,861 |
| Noncurrent loans to loans | 2.0814% | 1,509 |
| Net loans and leases to total assets | 59.5960% | 3,865 |
| Net loans and leases to deposits | 71.2795% | 3,766 |
| Net loans and leases to core deposits | 75.7111% | 3,778 |
| Total domestic deposits to total assets | 83.6089% | 3,913 |
| Equity capital to assets | 15.7514% | 596 |
| Core capital (leverage) ratio | 15.7156% | 514 |
| Tier 1 risk-based capital ratio | 25.1422% | 869 |
| Total risk-based capital ratio | 26.2601% | 867 |
| Memoranda: | ||
| Average total assets | $108,268,500 | 4,456 |
| Average earning assets | $103,351,000 | 4,361 |
| Average equity | $16,380,000 | 3,636 |
| Average total loans | $62,626,750 | 4,439 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 4,150 |
| Cost of funding earning assets | 0.1944% | 5,958 |
| Net interest margin | 3.7013% | 2,959 |
| Noninterest income to average assets | 0.4894% | 3,556 |
| Noninterest expense to average assets | 2.6179% | 4,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0652% | 2,057 |
| Return on assets (ROA) | 1.0652% | 2,135 |
| Pretax return on assets | 1.4092% | 1,860 |
| Return on Equity (ROE) | 7.1368% | 3,553 |
| Retained earnings to average equity (ytd only) | 3.4390% | 4,010 |
| Net charge-offs to loans | -0.0161% | 5,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0069% | 4,533 |
| Assets per employee ($millions) | 4.2298% | 3,408 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 4,378 |
| Loan loss allowance to noncurrent loans | 5,876.9231% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 4,853 |
| Noncurrent loans to loans | 0.0206% | 6,009 |
| Net loans and leases to total assets | 58.9838% | 3,863 |
| Net loans and leases to deposits | 70.4923% | 3,757 |
| Net loans and leases to core deposits | 74.8353% | 3,745 |
| Total domestic deposits to total assets | 83.6741% | 4,043 |
| Equity capital to assets | 15.7112% | 594 |
| Core capital (leverage) ratio | 15.1891% | 574 |
| Tier 1 risk-based capital ratio | 25.1193% | 859 |
| Total risk-based capital ratio | 26.2691% | 855 |
| Memoranda: | ||
| Average total assets | $108,714,670 | 4,472 |
| Average earning assets | $103,910,330 | 4,369 |
| Average equity | $16,225,670 | 3,657 |
| Average total loans | $62,010,000 | 4,484 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 4,419 |
| Cost of funding earning assets | 0.1977% | 6,021 |
| Net interest margin | 3.6185% | 3,180 |
| Noninterest income to average assets | 0.4719% | 3,617 |
| Noninterest expense to average assets | 2.6425% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9873% | 2,260 |
| Return on assets (ROA) | 0.9873% | 2,316 |
| Pretax return on assets | 1.2849% | 2,150 |
| Return on Equity (ROE) | 6.7866% | 3,592 |
| Retained earnings to average equity (ytd only) | 3.0440% | 4,288 |
| Net charge-offs to loans | -0.0325% | 5,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2828% | 4,317 |
| Assets per employee ($millions) | 4.0939% | 3,727 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 4,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 5,087 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 52.8543% | 4,558 |
| Net loans and leases to deposits | 62.4293% | 4,504 |
| Net loans and leases to core deposits | 66.6583% | 4,429 |
| Total domestic deposits to total assets | 84.6626% | 4,013 |
| Equity capital to assets | 14.6724% | 741 |
| Core capital (leverage) ratio | 15.0664% | 596 |
| Tier 1 risk-based capital ratio | 23.1202% | 1,129 |
| Total risk-based capital ratio | 24.1886% | 1,140 |
| Memoranda: | ||
| Average total assets | $110,199,000 | 4,481 |
| Average earning assets | $105,236,500 | 4,382 |
| Average equity | $16,031,500 | 3,691 |
| Average total loans | $61,446,500 | 4,532 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 3,904 |
| Cost of funding earning assets | 0.2566% | 5,929 |
| Net interest margin | 3.7980% | 2,669 |
| Noninterest income to average assets | 0.4982% | 3,774 |
| Noninterest expense to average assets | 2.5671% | 4,559 |
| Loan and lease loss provision to assets | 0.0279% | 4,558 |
| Net operating income to assets | 1.1562% | 1,732 |
| Return on assets (ROA) | 1.1562% | 1,796 |
| Pretax return on assets | 1.5345% | 1,340 |
| Return on Equity (ROE) | 7.8255% | 3,128 |
| Retained earnings to average equity (ytd only) | 4.0511% | 3,305 |
| Net charge-offs to loans | 0.0050% | 5,369 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 560.3333% | 67 |
| Efficiency ratio | 62.1652% | 5,188 |
| Assets per employee ($millions) | 4.0690% | 3,714 |
| Cash dividends to net income (ytd only)* | 48.2315% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 4,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 5,170 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 57.2963% | 4,148 |
| Net loans and leases to deposits | 67.4279% | 4,128 |
| Net loans and leases to core deposits | 71.1108% | 4,172 |
| Total domestic deposits to total assets | 84.9741% | 3,761 |
| Equity capital to assets | 14.4224% | 799 |
| Core capital (leverage) ratio | 14.6650% | 649 |
| Tier 1 risk-based capital ratio | 24.2623% | 927 |
| Total risk-based capital ratio | 25.3844% | 926 |
| Memoranda: | ||
| Average total assets | $107,592,400 | 4,553 |
| Average earning assets | $102,868,800 | 4,443 |
| Average equity | $15,896,800 | 3,720 |
| Average total loans | $59,688,600 | 4,619 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,931 |
| Cost of funding earning assets | 0.2701% | 5,963 |
| Net interest margin | 3.7816% | 2,709 |
| Noninterest income to average assets | 0.5008% | 3,799 |
| Noninterest expense to average assets | 2.5912% | 4,420 |
| Loan and lease loss provision to assets | 0.0374% | 4,262 |
| Net operating income to assets | 1.1548% | 1,788 |
| Return on assets (ROA) | 1.1548% | 1,865 |
| Pretax return on assets | 1.4825% | 1,656 |
| Return on Equity (ROE) | 7.7686% | 3,252 |
| Retained earnings to average equity (ytd only) | 3.9974% | 3,854 |
| Net charge-offs to loans | 0.0091% | 4,966 |
| Credit loss provision to net charge-offs | 750.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 305.1839% | 195 |
| Efficiency ratio | 63.0303% | 4,983 |
| Assets per employee ($millions) | 4.0083% | 3,817 |
| Cash dividends to net income (ytd only)* | 48.5441% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 4,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 5,307 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.5210% | 4,392 |
| Net loans and leases to deposits | 65.4971% | 4,354 |
| Net loans and leases to core deposits | 68.4308% | 4,490 |
| Total domestic deposits to total assets | 84.7686% | 3,851 |
| Equity capital to assets | 14.5615% | 806 |
| Core capital (leverage) ratio | 14.8141% | 670 |
| Tier 1 risk-based capital ratio | 24.8448% | 892 |
| Total risk-based capital ratio | 26.0041% | 888 |
| Memoranda: | ||
| Average total assets | $107,024,500 | 4,616 |
| Average earning assets | $102,176,500 | 4,497 |
| Average equity | $15,909,750 | 3,760 |
| Average total loans | $58,684,000 | 4,694 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 4,107 |
| Cost of funding earning assets | 0.2868% | 5,928 |
| Net interest margin | 3.7142% | 2,906 |
| Noninterest income to average assets | 0.5008% | 3,825 |
| Noninterest expense to average assets | 2.6073% | 4,354 |
| Loan and lease loss provision to assets | 0.0563% | 3,878 |
| Net operating income to assets | 1.1048% | 1,913 |
| Return on assets (ROA) | 1.1048% | 2,027 |
| Pretax return on assets | 1.3843% | 1,989 |
| Return on Equity (ROE) | 7.3810% | 3,403 |
| Retained earnings to average equity (ytd only) | 3.6216% | 4,010 |
| Net charge-offs to loans | 0.0173% | 4,495 |
| Credit loss provision to net charge-offs | 600.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 153.6000% | 321 |
| Efficiency ratio | 64.4115% | 4,809 |
| Assets per employee ($millions) | 4.0024% | 3,796 |
| Cash dividends to net income (ytd only)* | 50.9338% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 4,702 |
| Loan loss allowance to noncurrent loans | 271.3262% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 4,668 |
| Noncurrent loans to loans | 0.4639% | 5,100 |
| Net loans and leases to total assets | 54.9470% | 4,455 |
| Net loans and leases to deposits | 64.5663% | 4,427 |
| Net loans and leases to core deposits | 67.1815% | 4,574 |
| Total domestic deposits to total assets | 85.1017% | 3,843 |
| Equity capital to assets | 14.2431% | 895 |
| Core capital (leverage) ratio | 14.6617% | 674 |
| Tier 1 risk-based capital ratio | 24.9348% | 882 |
| Total risk-based capital ratio | 26.1104% | 871 |
| Memoranda: | ||
| Average total assets | $106,624,670 | 4,652 |
| Average earning assets | $101,826,670 | 4,521 |
| Average equity | $15,960,000 | 3,776 |
| Average total loans | $57,963,670 | 4,748 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 4,360 |
| Cost of funding earning assets | 0.3125% | 5,870 |
| Net interest margin | 3.6196% | 3,183 |
| Noninterest income to average assets | 0.5174% | 3,653 |
| Noninterest expense to average assets | 2.6363% | 4,290 |
| Loan and lease loss provision to assets | 0.1133% | 2,815 |
| Net operating income to assets | 1.0122% | 2,173 |
| Return on assets (ROA) | 1.0122% | 2,291 |
| Pretax return on assets | 1.2237% | 2,491 |
| Return on Equity (ROE) | 6.5994% | 3,716 |
| Retained earnings to average equity (ytd only) | 2.9057% | 4,540 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3498% | 4,605 |
| Assets per employee ($millions) | 3.9010% | 4,157 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 4,396 |
| Loan loss allowance to noncurrent loans | 267.7193% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 4,821 |
| Noncurrent loans to loans | 0.5101% | 5,154 |
| Net loans and leases to total assets | 50.4523% | 4,926 |
| Net loans and leases to deposits | 59.7493% | 4,823 |
| Net loans and leases to core deposits | 62.7632% | 4,878 |
| Total domestic deposits to total assets | 84.4399% | 4,296 |
| Equity capital to assets | 14.8588% | 789 |
| Core capital (leverage) ratio | 15.0751% | 582 |
| Tier 1 risk-based capital ratio | 25.9177% | 790 |
| Total risk-based capital ratio | 27.1625% | 784 |
| Memoranda: | ||
| Average total assets | $105,904,000 | 4,721 |
| Average earning assets | $101,117,500 | 4,589 |
| Average equity | $16,244,000 | 3,782 |
| Average total loans | $56,877,500 | 4,820 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 3,337 |
| Cost of funding earning assets | 0.4273% | 5,739 |
| Net interest margin | 4.0876% | 2,052 |
| Noninterest income to average assets | 0.5395% | 3,649 |
| Noninterest expense to average assets | 2.8069% | 4,002 |
| Loan and lease loss provision to assets | 0.0409% | 5,350 |
| Net operating income to assets | 1.1976% | 1,612 |
| Return on assets (ROA) | 1.1976% | 1,777 |
| Pretax return on assets | 1.5624% | 1,481 |
| Return on Equity (ROE) | 7.3076% | 3,459 |
| Retained earnings to average equity (ytd only) | 3.5665% | 3,701 |
| Net charge-offs to loans | 0.1879% | 3,873 |
| Credit loss provision to net charge-offs | 38.0952% | 4,969 |
| Earnings coverage of net charge-offs (x) | 14.9429% | 1,687 |
| Efficiency ratio | 63.6469% | 4,948 |
| Assets per employee ($millions) | 3.5372% | 4,934 |
| Cash dividends to net income (ytd only)* | 51.1945% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 4,806 |
| Loan loss allowance to noncurrent loans | 104.2735% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 3,886 |
| Noncurrent loans to loans | 1.2128% | 3,824 |
| Net loans and leases to total assets | 55.7146% | 4,342 |
| Net loans and leases to deposits | 66.8343% | 4,159 |
| Net loans and leases to core deposits | 69.9210% | 4,325 |
| Total domestic deposits to total assets | 83.3623% | 4,579 |
| Equity capital to assets | 15.8491% | 580 |
| Core capital (leverage) ratio | 15.6323% | 492 |
| Tier 1 risk-based capital ratio | 25.8611% | 781 |
| Total risk-based capital ratio | 27.0617% | 777 |
| Memoranda: | ||
| Average total assets | $97,864,800 | 4,892 |
| Average earning assets | $92,671,000 | 4,789 |
| Average equity | $16,038,200 | 3,769 |
| Average total loans | $55,892,800 | 4,869 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 3,175 |
| Cost of funding earning assets | 0.4462% | 5,824 |
| Net interest margin | 4.1602% | 1,864 |
| Noninterest income to average assets | 0.5433% | 3,650 |
| Noninterest expense to average assets | 2.8656% | 3,732 |
| Loan and lease loss provision to assets | 0.0138% | 5,638 |
| Net operating income to assets | 1.2246% | 1,654 |
| Return on assets (ROA) | 1.2246% | 1,828 |
| Pretax return on assets | 1.5983% | 1,582 |
| Return on Equity (ROE) | 7.4076% | 3,579 |
| Retained earnings to average equity (ytd only) | 3.6538% | 4,318 |
| Net charge-offs to loans | 0.2527% | 3,207 |
| Credit loss provision to net charge-offs | 9.5238% | 5,083 |
| Earnings coverage of net charge-offs (x) | 11.1331% | 2,105 |
| Efficiency ratio | 63.9975% | 4,802 |
| Assets per employee ($millions) | 3.4183% | 5,164 |
| Cash dividends to net income (ytd only)* | 50.6761% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 5,024 |
| Loan loss allowance to noncurrent loans | 96.6942% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.1328% | 4,022 |
| Noncurrent loans to loans | 1.2970% | 3,869 |
| Net loans and leases to total assets | 55.7575% | 4,494 |
| Net loans and leases to deposits | 67.2912% | 4,289 |
| Net loans and leases to core deposits | 70.3532% | 4,456 |
| Total domestic deposits to total assets | 82.8601% | 4,692 |
| Equity capital to assets | 16.3501% | 552 |
| Core capital (leverage) ratio | 16.1777% | 456 |
| Tier 1 risk-based capital ratio | 26.0329% | 822 |
| Total risk-based capital ratio | 27.2020% | 819 |
| Memoranda: | ||
| Average total assets | $96,686,000 | 4,971 |
| Average earning assets | $91,434,750 | 4,871 |
| Average equity | $15,983,250 | 3,817 |
| Average total loans | $55,395,000 | 4,938 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 3,011 |
| Cost of funding earning assets | 0.4675% | 5,845 |
| Net interest margin | 4.2116% | 1,717 |
| Noninterest income to average assets | 0.5549% | 3,555 |
| Noninterest expense to average assets | 2.8476% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2955% | 1,454 |
| Return on assets (ROA) | 1.2955% | 1,602 |
| Pretax return on assets | 1.7106% | 1,229 |
| Return on Equity (ROE) | 7.8072% | 3,346 |
| Retained earnings to average equity (ytd only) | 4.0356% | 3,922 |
| Net charge-offs to loans | 0.1268% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 23.4286% | 1,254 |
| Efficiency ratio | 62.4714% | 5,171 |
| Assets per employee ($millions) | 3.3684% | 5,276 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 4,701 |
| Loan loss allowance to noncurrent loans | 71.1485% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.5028% | 3,445 |
| Noncurrent loans to loans | 1.8848% | 3,095 |
| Net loans and leases to total assets | 57.3906% | 4,262 |
| Net loans and leases to deposits | 69.3382% | 3,991 |
| Net loans and leases to core deposits | 72.5431% | 4,238 |
| Total domestic deposits to total assets | 82.7691% | 4,842 |
| Equity capital to assets | 16.4529% | 511 |
| Core capital (leverage) ratio | 16.1054% | 444 |
| Tier 1 risk-based capital ratio | 25.8562% | 818 |
| Total risk-based capital ratio | 27.1061% | 800 |
| Memoranda: | ||
| Average total assets | $95,871,000 | 5,010 |
| Average earning assets | $91,128,330 | 4,893 |
| Average equity | $15,908,330 | 3,818 |
| Average total loans | $55,201,670 | 4,980 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 2,246 |
| Cost of funding earning assets | 0.4956% | 5,845 |
| Net interest margin | 4.4031% | 1,221 |
| Noninterest income to average assets | 0.5434% | 3,610 |
| Noninterest expense to average assets | 2.9022% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3900% | 1,240 |
| Return on assets (ROA) | 1.3900% | 1,387 |
| Pretax return on assets | 1.8323% | 1,010 |
| Return on Equity (ROE) | 8.3404% | 3,124 |
| Retained earnings to average equity (ytd only) | 4.5493% | 3,853 |
| Net charge-offs to loans | 0.2353% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 13.5938% | 1,529 |
| Efficiency ratio | 61.2989% | 5,402 |
| Assets per employee ($millions) | 3.3199% | 5,515 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 4,552 |
| Loan loss allowance to noncurrent loans | 9,562.5000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 5,811 |
| Noncurrent loans to loans | 0.0148% | 6,747 |
| Net loans and leases to total assets | 55.4380% | 4,479 |
| Net loans and leases to deposits | 67.0772% | 4,219 |
| Net loans and leases to core deposits | 69.4974% | 4,500 |
| Total domestic deposits to total assets | 82.6480% | 5,062 |
| Equity capital to assets | 16.4816% | 501 |
| Core capital (leverage) ratio | 16.4112% | 421 |
| Tier 1 risk-based capital ratio | 26.6049% | 757 |
| Total risk-based capital ratio | 27.8560% | 744 |
| Memoranda: | ||
| Average total assets | $94,964,000 | 5,068 |
| Average earning assets | $90,390,000 | 4,954 |
| Average equity | $15,826,500 | 3,839 |
| Average total loans | $54,390,500 | 5,049 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9221% | 3,257 |
| Cost of funding earning assets | 0.6104% | 6,048 |
| Net interest margin | 4.3117% | 1,661 |
| Noninterest income to average assets | 0.5222% | 3,705 |
| Noninterest expense to average assets | 3.0665% | 3,329 |
| Loan and lease loss provision to assets | 0.0765% | 5,655 |
| Net operating income to assets | 1.1370% | 1,702 |
| Return on assets (ROA) | 1.1362% | 1,825 |
| Pretax return on assets | 1.4606% | 1,595 |
| Return on Equity (ROE) | 6.7852% | 3,495 |
| Retained earnings to average equity (ytd only) | 2.8707% | 4,209 |
| Net charge-offs to loans | -0.0643% | 7,083 |
| Credit loss provision to net charge-offs | -200.0000% | 6,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5955% | 4,639 |
| Assets per employee ($millions) | 3.2293% | 5,655 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,200 |
| Loan loss allowance to noncurrent loans | 4,981.2500% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 5,862 |
| Noncurrent loans to loans | 0.0293% | 6,752 |
| Net loans and leases to total assets | 57.4954% | 4,463 |
| Net loans and leases to deposits | 69.8950% | 4,119 |
| Net loans and leases to core deposits | 71.8844% | 4,547 |
| Total domestic deposits to total assets | 82.2597% | 5,044 |
| Equity capital to assets | 16.8551% | 468 |
| Core capital (leverage) ratio | 16.4896% | 413 |
| Tier 1 risk-based capital ratio | 26.3304% | 752 |
| Total risk-based capital ratio | 27.5815% | 742 |
| Memoranda: | ||
| Average total assets | $91,537,200 | 5,145 |
| Average earning assets | $86,670,200 | 5,038 |
| Average equity | $15,327,400 | 3,846 |
| Average total loans | $54,456,000 | 5,097 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 3,633 |
| Cost of funding earning assets | 0.6348% | 6,111 |
| Net interest margin | 4.2471% | 1,917 |
| Noninterest income to average assets | 0.5230% | 3,708 |
| Noninterest expense to average assets | 3.0897% | 3,199 |
| Loan and lease loss provision to assets | 0.0806% | 5,433 |
| Net operating income to assets | 1.0794% | 2,047 |
| Return on assets (ROA) | 1.0783% | 2,193 |
| Pretax return on assets | 1.3698% | 2,042 |
| Return on Equity (ROE) | 6.4505% | 3,796 |
| Retained earnings to average equity (ytd only) | 2.5065% | 4,865 |
| Net charge-offs to loans | 0.0343% | 5,669 |
| Credit loss provision to net charge-offs | 392.8571% | 721 |
| Earnings coverage of net charge-offs (x) | 70.7713% | 473 |
| Efficiency ratio | 68.0323% | 4,305 |
| Assets per employee ($millions) | 3.1642% | 5,759 |
| Cash dividends to net income (ytd only)* | 61.1417% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 4,795 |
| Loan loss allowance to noncurrent loans | 3,490.4762% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 5,949 |
| Noncurrent loans to loans | 0.0386% | 6,844 |
| Net loans and leases to total assets | 58.5630% | 4,405 |
| Net loans and leases to deposits | 71.4354% | 4,078 |
| Net loans and leases to core deposits | 72.7221% | 4,615 |
| Total domestic deposits to total assets | 81.9804% | 5,099 |
| Equity capital to assets | 17.0247% | 480 |
| Core capital (leverage) ratio | 16.4874% | 445 |
| Tier 1 risk-based capital ratio | 25.9135% | 846 |
| Total risk-based capital ratio | 27.1643% | 823 |
| Memoranda: | ||
| Average total assets | $91,008,750 | 5,201 |
| Average earning assets | $86,111,250 | 5,086 |
| Average equity | $15,213,000 | 3,875 |
| Average total loans | $54,409,500 | 5,145 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8476% | 3,874 |
| Cost of funding earning assets | 0.6609% | 6,166 |
| Net interest margin | 4.1866% | 2,086 |
| Noninterest income to average assets | 0.5774% | 3,286 |
| Noninterest expense to average assets | 3.1512% | 3,076 |
| Loan and lease loss provision to assets | 0.0661% | 5,483 |
| Net operating income to assets | 1.0485% | 2,041 |
| Return on assets (ROA) | 1.0467% | 2,147 |
| Pretax return on assets | 1.3222% | 2,071 |
| Return on Equity (ROE) | 6.3011% | 3,801 |
| Retained earnings to average equity (ytd only) | 2.3215% | 4,811 |
| Net charge-offs to loans | 0.0184% | 5,580 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 126.2000% | 279 |
| Efficiency ratio | 69.3838% | 4,243 |
| Assets per employee ($millions) | 3.0416% | 5,991 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 5,029 |
| Loan loss allowance to noncurrent loans | 92.1594% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 3,825 |
| Noncurrent loans to loans | 1.4177% | 4,298 |
| Net loans and leases to total assets | 59.3576% | 4,405 |
| Net loans and leases to deposits | 72.1122% | 4,094 |
| Net loans and leases to core deposits | 73.1129% | 4,695 |
| Total domestic deposits to total assets | 82.3128% | 5,056 |
| Equity capital to assets | 16.8060% | 505 |
| Core capital (leverage) ratio | 16.1880% | 483 |
| Tier 1 risk-based capital ratio | 25.4370% | 858 |
| Total risk-based capital ratio | 26.6586% | 847 |
| Memoranda: | ||
| Average total assets | $90,758,000 | 5,241 |
| Average earning assets | $85,940,000 | 5,127 |
| Average equity | $15,076,670 | 3,893 |
| Average total loans | $54,389,000 | 5,193 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 3,729 |
| Cost of funding earning assets | 0.6929% | 6,173 |
| Net interest margin | 4.1763% | 1,977 |
| Noninterest income to average assets | 0.6673% | 2,746 |
| Noninterest expense to average assets | 3.1156% | 3,192 |
| Loan and lease loss provision to assets | 0.0663% | 5,166 |
| Net operating income to assets | 1.1171% | 1,777 |
| Return on assets (ROA) | 1.1136% | 1,844 |
| Pretax return on assets | 1.4230% | 1,663 |
| Return on Equity (ROE) | 6.7436% | 3,514 |
| Retained earnings to average equity (ytd only) | 2.7296% | 4,535 |
| Net charge-offs to loans | 0.0369% | 4,591 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 67.6000% | 450 |
| Efficiency ratio | 67.5935% | 4,743 |
| Assets per employee ($millions) | 3.0479% | 6,057 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 5,048 |
| Loan loss allowance to noncurrent loans | 544.1860% | 600 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 4,848 |
| Noncurrent loans to loans | 0.2420% | 6,503 |
| Net loans and leases to total assets | 57.5253% | 4,718 |
| Net loans and leases to deposits | 69.7095% | 4,393 |
| Net loans and leases to core deposits | 71.6348% | 4,832 |
| Total domestic deposits to total assets | 82.5215% | 5,101 |
| Equity capital to assets | 16.4439% | 509 |
| Core capital (leverage) ratio | 16.5111% | 437 |
| Tier 1 risk-based capital ratio | 25.6023% | 823 |
| Total risk-based capital ratio | 26.8120% | 804 |
| Memoranda: | ||
| Average total assets | $90,513,500 | 5,274 |
| Average earning assets | $85,435,000 | 5,173 |
| Average equity | $14,947,500 | 3,909 |
| Average total loans | $54,144,000 | 5,248 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3309% | 2,975 |
| Cost of funding earning assets | 0.9394% | 5,981 |
| Net interest margin | 4.3915% | 1,506 |
| Noninterest income to average assets | 0.5911% | 3,534 |
| Noninterest expense to average assets | 3.1729% | 3,182 |
| Loan and lease loss provision to assets | 0.0672% | 6,476 |
| Net operating income to assets | 1.1279% | 1,618 |
| Return on assets (ROA) | 1.1218% | 1,717 |
| Pretax return on assets | 1.4308% | 1,561 |
| Return on Equity (ROE) | 6.7601% | 3,231 |
| Retained earnings to average equity (ytd only) | 3.0495% | 3,718 |
| Net charge-offs to loans | 0.0074% | 6,768 |
| Credit loss provision to net charge-offs | 1,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 336.2500% | 69 |
| Efficiency ratio | 67.8153% | 4,598 |
| Assets per employee ($millions) | 2.8900% | 6,352 |
| Cash dividends to net income (ytd only)* | 54.8902% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 5,206 |
| Loan loss allowance to noncurrent loans | 69,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 4,894 |
| Noncurrent loans to loans | 0.0018% | 7,172 |
| Net loans and leases to total assets | 60.6034% | 4,564 |
| Net loans and leases to deposits | 73.5193% | 4,275 |
| Net loans and leases to core deposits | 75.8317% | 4,746 |
| Total domestic deposits to total assets | 82.4320% | 5,049 |
| Equity capital to assets | 16.5857% | 504 |
| Core capital (leverage) ratio | 16.2221% | 485 |
| Tier 1 risk-based capital ratio | 25.0577% | 841 |
| Total risk-based capital ratio | 26.2329% | 828 |
| Memoranda: | ||
| Average total assets | $89,320,000 | 5,311 |
| Average earning assets | $83,138,600 | 5,247 |
| Average equity | $14,822,200 | 3,969 |
| Average total loans | $53,788,200 | 5,328 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3607% | 3,072 |
| Cost of funding earning assets | 0.9758% | 6,053 |
| Net interest margin | 4.3849% | 1,573 |
| Noninterest income to average assets | 0.5587% | 3,715 |
| Noninterest expense to average assets | 3.1281% | 3,197 |
| Loan and lease loss provision to assets | 0.0672% | 6,395 |
| Net operating income to assets | 1.1226% | 1,816 |
| Return on assets (ROA) | 1.1144% | 1,949 |
| Pretax return on assets | 1.4207% | 1,823 |
| Return on Equity (ROE) | 6.7146% | 3,473 |
| Retained earnings to average equity (ytd only) | 3.1143% | 4,255 |
| Net charge-offs to loans | 0.0125% | 6,490 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 200.4948% | 161 |
| Efficiency ratio | 67.6138% | 4,537 |
| Assets per employee ($millions) | 3.0383% | 6,062 |
| Cash dividends to net income (ytd only)* | 53.6194% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 5,393 |
| Loan loss allowance to noncurrent loans | 56.2032% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.3555% | 3,017 |
| Noncurrent loans to loans | 2.1687% | 3,484 |
| Net loans and leases to total assets | 60.0156% | 4,913 |
| Net loans and leases to deposits | 72.9918% | 4,692 |
| Net loans and leases to core deposits | 76.0831% | 5,044 |
| Total domestic deposits to total assets | 82.2223% | 4,904 |
| Equity capital to assets | 16.6981% | 557 |
| Core capital (leverage) ratio | 16.0831% | 548 |
| Tier 1 risk-based capital ratio | 24.6417% | 882 |
| Total risk-based capital ratio | 25.7771% | 873 |
| Memoranda: | ||
| Average total assets | $89,252,750 | 5,381 |
| Average earning assets | $82,798,000 | 5,312 |
| Average equity | $14,813,000 | 4,027 |
| Average total loans | $53,488,750 | 5,414 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3301% | 3,318 |
| Cost of funding earning assets | 0.9918% | 6,180 |
| Net interest margin | 4.3384% | 1,641 |
| Noninterest income to average assets | 0.5868% | 3,434 |
| Noninterest expense to average assets | 3.1324% | 3,177 |
| Loan and lease loss provision to assets | 0.0677% | 6,277 |
| Net operating income to assets | 1.0945% | 1,875 |
| Return on assets (ROA) | 1.0945% | 1,944 |
| Pretax return on assets | 1.3947% | 1,852 |
| Return on Equity (ROE) | 6.6088% | 3,490 |
| Retained earnings to average equity (ytd only) | 3.2022% | 4,069 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1729% | 4,547 |
| Assets per employee ($millions) | 3.2319% | 5,598 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,475 |
| Loan loss allowance to noncurrent loans | 308.3333% | 943 |
| Noncurrent assets plus other real estate owned to assets | 1.3139% | 4,518 |
| Noncurrent loans to loans | 0.3880% | 6,462 |
| Net loans and leases to total assets | 60.7811% | 4,912 |
| Net loans and leases to deposits | 73.5941% | 4,741 |
| Net loans and leases to core deposits | 77.8889% | 4,969 |
| Total domestic deposits to total assets | 82.5896% | 4,747 |
| Equity capital to assets | 16.4457% | 606 |
| Core capital (leverage) ratio | 16.3659% | 523 |
| Tier 1 risk-based capital ratio | 24.3791% | 904 |
| Total risk-based capital ratio | 25.4960% | 895 |
| Memoranda: | ||
| Average total assets | $88,621,000 | 5,431 |
| Average earning assets | $81,874,000 | 5,374 |
| Average equity | $14,677,330 | 4,056 |
| Average total loans | $52,859,000 | 5,473 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2917% | 3,588 |
| Cost of funding earning assets | 1.0125% | 6,321 |
| Net interest margin | 4.2793% | 1,759 |
| Noninterest income to average assets | 0.6432% | 2,970 |
| Noninterest expense to average assets | 3.1157% | 3,207 |
| Loan and lease loss provision to assets | 0.0684% | 5,952 |
| Net operating income to assets | 1.0994% | 1,828 |
| Return on assets (ROA) | 1.0994% | 1,913 |
| Pretax return on assets | 1.3731% | 1,848 |
| Return on Equity (ROE) | 6.6141% | 3,559 |
| Retained earnings to average equity (ytd only) | 3.8696% | 3,818 |
| Net charge-offs to loans | -0.0155% | 7,010 |
| Credit loss provision to net charge-offs | -750.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3684% | 4,649 |
| Assets per employee ($millions) | 2.9227% | 6,392 |
| Cash dividends to net income (ytd only)* | 41.4938% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 5,225 |
| Loan loss allowance to noncurrent loans | 219.8653% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 1.6149% | 4,066 |
| Noncurrent loans to loans | 0.5680% | 6,164 |
| Net loans and leases to total assets | 58.8873% | 5,299 |
| Net loans and leases to deposits | 71.5525% | 5,117 |
| Net loans and leases to core deposits | 75.3316% | 5,354 |
| Total domestic deposits to total assets | 82.2995% | 4,932 |
| Equity capital to assets | 16.7037% | 564 |
| Core capital (leverage) ratio | 16.7337% | 478 |
| Tier 1 risk-based capital ratio | 25.5492% | 809 |
| Total risk-based capital ratio | 26.7043% | 798 |
| Memoranda: | ||
| Average total assets | $87,685,500 | 5,522 |
| Average earning assets | $80,200,500 | 5,498 |
| Average equity | $14,575,000 | 4,104 |
| Average total loans | $51,454,500 | 5,611 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2220% | 37 |
| Cost of funding earning assets | 2.3789% | 1,366 |
| Net interest margin | 7.8431% | 37 |
| Noninterest income to average assets | 0.8663% | 2,100 |
| Noninterest expense to average assets | 5.5992% | 370 |
| Loan and lease loss provision to assets | 0.1753% | 5,946 |
| Net operating income to assets | 1.7472% | 401 |
| Return on assets (ROA) | 1.7407% | 432 |
| Pretax return on assets | 2.1667% | 299 |
| Return on Equity (ROE) | 11.4884% | 1,297 |
| Retained earnings to average equity (ytd only) | 6.1074% | 1,316 |
| Net charge-offs to loans | 0.1458% | 5,781 |
| Credit loss provision to net charge-offs | 220.5128% | 1,711 |
| Earnings coverage of net charge-offs (x) | 29.5641% | 778 |
| Efficiency ratio | 70.4359% | 4,533 |
| Assets per employee ($millions) | 3.0238% | 6,163 |
| Cash dividends to net income (ytd only)* | 46.8384% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 5,011 |
| Loan loss allowance to noncurrent loans | 91.3793% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 2.0698% | 3,309 |
| Noncurrent loans to loans | 1.3749% | 4,624 |
| Net loans and leases to total assets | 57.0042% | 5,818 |
| Net loans and leases to deposits | 69.1182% | 5,709 |
| Net loans and leases to core deposits | 82.2574% | 5,890 |
| Total domestic deposits to total assets | 82.4735% | 4,748 |
| Equity capital to assets | 16.5401% | 612 |
| Core capital (leverage) ratio | 16.2083% | 585 |
| Tier 1 risk-based capital ratio | 25.9870% | 762 |
| Total risk-based capital ratio | 27.1426% | 757 |
| Memoranda: | ||
| Average total assets | $49,061,000 | 6,747 |
| Average earning assets | $44,306,400 | 6,748 |
| Average equity | $7,433,600 | 6,112 |
| Average total loans | $26,757,800 | 6,819 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 3,779 |
| Cost of funding earning assets | 1.1638% | 6,989 |
| Net interest margin | 4.4507% | 1,313 |
| Noninterest income to average assets | 0.7376% | 2,774 |
| Noninterest expense to average assets | 3.5664% | 2,105 |
| Loan and lease loss provision to assets | 0.0609% | 6,754 |
| Net operating income to assets | 0.9440% | 2,252 |
| Return on assets (ROA) | 0.9440% | 2,317 |
| Pretax return on assets | 1.1606% | 2,379 |
| Return on Equity (ROE) | 6.5653% | 3,274 |
| Retained earnings to average equity (ytd only) | 3.0357% | 3,630 |
| Net charge-offs to loans | 0.1411% | 5,292 |
| Credit loss provision to net charge-offs | 81.8182% | 5,713 |
| Earnings coverage of net charge-offs (x) | 16.4105% | 1,470 |
| Efficiency ratio | 74.4876% | 3,788 |
| Assets per employee ($millions) | 2.6706% | 6,911 |
| Cash dividends to net income (ytd only)* | 53.7649% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 6,298 |
| Loan loss allowance to noncurrent loans | 289.1892% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 2.3091% | 2,968 |
| Noncurrent loans to loans | 0.3455% | 6,664 |
| Net loans and leases to total assets | 52.9394% | 6,505 |
| Net loans and leases to deposits | 62.3002% | 6,648 |
| Net loans and leases to core deposits | 81.5685% | 6,227 |
| Total domestic deposits to total assets | 84.9747% | 3,249 |
| Equity capital to assets | 14.4712% | 1,151 |
| Core capital (leverage) ratio | 13.9106% | 1,114 |
| Tier 1 risk-based capital ratio | 23.2189% | 1,081 |
| Total risk-based capital ratio | 24.1105% | 1,095 |
| Memoranda: | ||
| Average total assets | $39,403,750 | 7,180 |
| Average earning assets | $35,858,250 | 7,163 |
| Average equity | $5,666,000 | 6,793 |
| Average total loans | $20,791,500 | 7,214 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5821% | 4,165 |
| Cost of funding earning assets | 1.1974% | 7,112 |
| Net interest margin | 4.3847% | 1,440 |
| Noninterest income to average assets | 0.6737% | 3,172 |
| Noninterest expense to average assets | 3.5779% | 2,130 |
| Loan and lease loss provision to assets | 0.0255% | 6,983 |
| Net operating income to assets | 0.8779% | 2,549 |
| Return on assets (ROA) | 0.8779% | 2,652 |
| Pretax return on assets | 1.1076% | 2,610 |
| Return on Equity (ROE) | 6.1185% | 3,591 |
| Retained earnings to average equity (ytd only) | 2.5612% | 3,902 |
| Net charge-offs to loans | -0.0194% | 7,692 |
| Credit loss provision to net charge-offs | -250.0000% | 6,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9480% | 3,699 |
| Assets per employee ($millions) | 2.8188% | 6,580 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 5,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1565% | 2,990 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 53.7694% | 6,487 |
| Net loans and leases to deposits | 62.9887% | 6,655 |
| Net loans and leases to core deposits | 81.4111% | 6,293 |
| Total domestic deposits to total assets | 85.3635% | 3,082 |
| Equity capital to assets | 14.2006% | 1,250 |
| Core capital (leverage) ratio | 13.7814% | 1,195 |
| Tier 1 risk-based capital ratio | 20.8750% | 1,421 |
| Total risk-based capital ratio | 21.7265% | 1,453 |
| Memoranda: | ||
| Average total assets | $39,185,330 | 7,250 |
| Average earning assets | $36,079,670 | 7,220 |
| Average equity | $5,622,330 | 6,857 |
| Average total loans | $20,581,670 | 7,295 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 5,397 |
| Cost of funding earning assets | 1.2271% | 7,232 |
| Net interest margin | 4.1788% | 1,982 |
| Noninterest income to average assets | 0.6454% | 3,227 |
| Noninterest expense to average assets | 3.3806% | 2,416 |
| Loan and lease loss provision to assets | 0.0205% | 6,639 |
| Net operating income to assets | 0.9220% | 2,608 |
| Return on assets (ROA) | 0.9220% | 2,747 |
| Pretax return on assets | 1.1166% | 2,924 |
| Return on Equity (ROE) | 6.3926% | 3,866 |
| Retained earnings to average equity (ytd only) | 2.8412% | 4,292 |
| Net charge-offs to loans | -0.0199% | 7,437 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8299% | 3,691 |
| Assets per employee ($millions) | 2.7994% | 6,640 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 51.7797% | 6,708 |
| Net loans and leases to deposits | 60.8249% | 6,824 |
| Net loans and leases to core deposits | 77.4660% | 6,577 |
| Total domestic deposits to total assets | 85.1292% | 3,141 |
| Equity capital to assets | 14.4319% | 1,251 |
| Core capital (leverage) ratio | 14.0904% | 1,170 |
| Tier 1 risk-based capital ratio | 21.3122% | 1,402 |
| Total risk-based capital ratio | 22.1713% | 1,433 |
| Memoranda: | ||
| Average total assets | $39,046,500 | 7,295 |
| Average earning assets | $36,182,500 | 7,261 |
| Average equity | $5,631,500 | 6,905 |
| Average total loans | $20,150,500 | 7,353 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0176% | 5,462 |
| Cost of funding earning assets | 1.7070% | 7,244 |
| Net interest margin | 4.3106% | 1,943 |
| Noninterest income to average assets | 0.7486% | 2,794 |
| Noninterest expense to average assets | 3.4353% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0480% | 2,361 |
| Return on assets (ROA) | 1.1014% | 2,056 |
| Pretax return on assets | 1.3768% | 2,040 |
| Return on Equity (ROE) | 7.6155% | 3,233 |
| Retained earnings to average equity (ytd only) | 3.9187% | 2,688 |
| Net charge-offs to loans | -0.0151% | 7,899 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3944% | 3,862 |
| Assets per employee ($millions) | 2.5935% | 7,019 |
| Cash dividends to net income (ytd only)* | 48.5437% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 50.3033% | 7,004 |
| Net loans and leases to deposits | 59.0424% | 7,147 |
| Net loans and leases to core deposits | 75.6465% | 6,878 |
| Total domestic deposits to total assets | 85.1987% | 2,752 |
| Equity capital to assets | 14.4131% | 1,322 |
| Core capital (leverage) ratio | 14.4124% | 1,160 |
| Tier 1 risk-based capital ratio | 21.2052% | 1,434 |
| Total risk-based capital ratio | 22.0543% | 1,462 |
| Memoranda: | ||
| Average total assets | $37,405,600 | 7,331 |
| Average earning assets | $34,681,600 | 7,298 |
| Average equity | $5,410,000 | 7,015 |
| Average total loans | $19,848,400 | 7,340 |