Home > The First National Bank of Hebbronville > Performance and Condition Ratios
The First National Bank of Hebbronville, 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 | 4.6764% | 3,641 |
| Cost of funding earning assets | 1.6695% | 2,799 |
| Net interest margin | 3.0070% | 3,381 |
| Noninterest income to average assets | 1.3500% | 384 |
| Noninterest expense to average assets | 2.7058% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.3814% | 1,294 |
| Return on assets (ROA) | 1.3814% | 1,294 |
| Pretax return on assets | 1.3814% | 1,785 |
| Return on Equity (ROE) | 11.4000% | 1,906 |
| Retained earnings to average equity (ytd only) | 8.1810% | 1,644 |
| Net charge-offs to loans | 0.0151% | 1,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 300 |
| Efficiency ratio | 66.2017% | 2,218 |
| Assets per employee ($millions) | 5.4453% | 3,367 |
| Cash dividends to net income (ytd only)* | 28.2540% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 3,428 |
| Loan loss allowance to noncurrent loans | 1,086.9565% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,544 |
| Noncurrent loans to loans | 0.0877% | 3,228 |
| Net loans and leases to total assets | 28.0500% | 4,220 |
| Net loans and leases to deposits | 32.2815% | 4,228 |
| Net loans and leases to core deposits | 40.9249% | 4,150 |
| Total domestic deposits to total assets | 86.8900% | 1,970 |
| Equity capital to assets | 12.4500% | 1,069 |
| Core capital (leverage) ratio | 17.8065% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.7905% | 120 |
| Memoranda: | ||
| Average total assets | $91,212,500 | 3,852 |
| Average earning assets | $83,140,000 | 3,844 |
| Average equity | $11,050,000 | 3,698 |
| Average total loans | $26,495,000 | 4,135 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6928% | 3,606 |
| Cost of funding earning assets | 1.6768% | 3,004 |
| Net interest margin | 3.0160% | 3,119 |
| Noninterest income to average assets | 0.9800% | 639 |
| Noninterest expense to average assets | 2.7648% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9485% | 2,226 |
| Return on assets (ROA) | 0.9485% | 2,223 |
| Pretax return on assets | 0.9485% | 2,670 |
| Return on Equity (ROE) | 7.4500% | 2,908 |
| Retained earnings to average equity (ytd only) | 1.7187% | 3,477 |
| Net charge-offs to loans | 0.1870% | 746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 16.2200% | 1,990 |
| Efficiency ratio | 74.4567% | 1,498 |
| Assets per employee ($millions) | 5.2856% | 3,448 |
| Cash dividends to net income (ytd only)* | 76.9420% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 3,523 |
| Loan loss allowance to noncurrent loans | 172.4138% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 2,644 |
| Noncurrent loans to loans | 0.5415% | 1,716 |
| Net loans and leases to total assets | 29.5200% | 4,229 |
| Net loans and leases to deposits | 33.6919% | 4,245 |
| Net loans and leases to core deposits | 42.9647% | 4,147 |
| Total domestic deposits to total assets | 87.6200% | 1,663 |
| Equity capital to assets | 11.7690% | 1,269 |
| Core capital (leverage) ratio | 19.1004% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5265% | 124 |
| Memoranda: | ||
| Average total assets | $85,502,200 | 3,905 |
| Average earning assets | $77,586,400 | 3,900 |
| Average equity | $10,880,400 | 3,690 |
| Average total loans | $26,743,000 | 4,145 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 3,620 |
| Cost of funding earning assets | 1.7452% | 2,854 |
| Net interest margin | 2.9163% | 3,263 |
| Noninterest income to average assets | 0.9700% | 633 |
| Noninterest expense to average assets | 2.7514% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.8640% | 2,497 |
| Return on assets (ROA) | 0.8640% | 2,507 |
| Pretax return on assets | 0.8640% | 2,891 |
| Return on Equity (ROE) | 6.6600% | 3,134 |
| Retained earnings to average equity (ytd only) | 3.3464% | 3,060 |
| Net charge-offs to loans | 0.1646% | 696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 16.5758% | 1,867 |
| Efficiency ratio | 76.1031% | 1,391 |
| Assets per employee ($millions) | 4.8962% | 3,716 |
| Cash dividends to net income (ytd only)* | 49.7258% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 3,274 |
| Loan loss allowance to noncurrent loans | 175.3247% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 2,538 |
| Noncurrent loans to loans | 0.5684% | 1,672 |
| Net loans and leases to total assets | 32.2200% | 4,215 |
| Net loans and leases to deposits | 37.9721% | 4,224 |
| Net loans and leases to core deposits | 44.9943% | 4,147 |
| Total domestic deposits to total assets | 84.8600% | 2,344 |
| Equity capital to assets | 14.4168% | 663 |
| Core capital (leverage) ratio | 19.6235% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.1339% | 119 |
| Memoranda: | ||
| Average total assets | $84,414,000 | 3,928 |
| Average earning assets | $76,625,500 | 3,928 |
| Average equity | $10,956,750 | 3,693 |
| Average total loans | $26,734,750 | 4,167 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 3,559 |
| Cost of funding earning assets | 1.8398% | 2,526 |
| Net interest margin | 2.8078% | 3,405 |
| Noninterest income to average assets | 0.9500% | 653 |
| Noninterest expense to average assets | 2.7309% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7664% | 2,738 |
| Return on assets (ROA) | 0.7664% | 2,753 |
| Pretax return on assets | 0.7664% | 3,075 |
| Return on Equity (ROE) | 6.1300% | 3,238 |
| Retained earnings to average equity (ytd only) | 4.5810% | 2,493 |
| Net charge-offs to loans | 0.0751% | 1,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,357 |
| Efficiency ratio | 78.0850% | 1,277 |
| Assets per employee ($millions) | 4.9068% | 3,684 |
| Cash dividends to net income (ytd only)* | 25.2308% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 2,850 |
| Loan loss allowance to noncurrent loans | 177.4390% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,424 |
| Noncurrent loans to loans | 0.6144% | 1,494 |
| Net loans and leases to total assets | 31.6500% | 4,241 |
| Net loans and leases to deposits | 36.6164% | 4,259 |
| Net loans and leases to core deposits | 43.2128% | 4,181 |
| Total domestic deposits to total assets | 86.4400% | 1,831 |
| Equity capital to assets | 12.8694% | 901 |
| Core capital (leverage) ratio | 19.4702% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.7949% | 118 |
| Memoranda: | ||
| Average total assets | $84,806,667 | 3,941 |
| Average earning assets | $77,072,333 | 3,932 |
| Average equity | $10,609,000 | 3,714 |
| Average total loans | $26,615,667 | 4,181 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 3,483 |
| Cost of funding earning assets | 1.8449% | 2,379 |
| Net interest margin | 2.7750% | 3,412 |
| Noninterest income to average assets | 0.9500% | 606 |
| Noninterest expense to average assets | 2.6432% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8327% | 2,439 |
| Return on assets (ROA) | 0.8327% | 2,454 |
| Pretax return on assets | 0.8327% | 2,845 |
| Return on Equity (ROE) | 6.7500% | 3,018 |
| Retained earnings to average equity (ytd only) | 4.9308% | 2,427 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.0431% | 1,545 |
| Assets per employee ($millions) | 5.0551% | 3,626 |
| Cash dividends to net income (ytd only)* | 26.9663% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 2,626 |
| Loan loss allowance to noncurrent loans | 177.0588% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,367 |
| Noncurrent loans to loans | 0.6417% | 1,373 |
| Net loans and leases to total assets | 30.4800% | 4,270 |
| Net loans and leases to deposits | 34.9460% | 4,279 |
| Net loans and leases to core deposits | 41.5684% | 4,246 |
| Total domestic deposits to total assets | 87.2100% | 1,703 |
| Equity capital to assets | 12.1647% | 1,078 |
| Core capital (leverage) ratio | 19.0192% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.4746% | 121 |
| Memoranda: | ||
| Average total assets | $85,502,500 | 3,954 |
| Average earning assets | $77,837,500 | 3,947 |
| Average equity | $10,546,000 | 3,731 |
| Average total loans | $26,576,500 | 4,205 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3293% | 3,394 |
| Cost of funding earning assets | 1.5531% | 1,802 |
| Net interest margin | 2.7762% | 3,706 |
| Noninterest income to average assets | 1.2600% | 473 |
| Noninterest expense to average assets | 2.8004% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9861% | 2,262 |
| Return on assets (ROA) | 0.9861% | 2,246 |
| Pretax return on assets | 0.9861% | 2,713 |
| Return on Equity (ROE) | 8.6400% | 2,853 |
| Retained earnings to average equity (ytd only) | -1.2734% | 4,213 |
| Net charge-offs to loans | 0.2283% | 477 |
| Credit loss provision to net charge-offs | 6.5574% | 2,341 |
| Earnings coverage of net charge-offs (x) | 14.1967% | 2,084 |
| Efficiency ratio | 73.8684% | 1,477 |
| Assets per employee ($millions) | 5.0040% | 3,631 |
| Cash dividends to net income (ytd only)* | 114.7332% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 2,670 |
| Loan loss allowance to noncurrent loans | 127.5424% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 1,836 |
| Noncurrent loans to loans | 0.8852% | 852 |
| Net loans and leases to total assets | 30.9900% | 4,273 |
| Net loans and leases to deposits | 36.0080% | 4,274 |
| Net loans and leases to core deposits | 43.5199% | 4,216 |
| Total domestic deposits to total assets | 86.0600% | 1,996 |
| Equity capital to assets | 12.5053% | 991 |
| Core capital (leverage) ratio | 19.3736% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.1110% | 122 |
| Memoranda: | ||
| Average total assets | $87,414,600 | 3,943 |
| Average earning assets | $79,712,000 | 3,935 |
| Average equity | $9,973,000 | 3,722 |
| Average total loans | $26,717,000 | 4,186 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 3,340 |
| Cost of funding earning assets | 1.5007% | 1,603 |
| Net interest margin | 2.7707% | 3,775 |
| Noninterest income to average assets | 1.3800% | 431 |
| Noninterest expense to average assets | 2.7999% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1090% | 2,027 |
| Return on assets (ROA) | 1.1090% | 2,006 |
| Pretax return on assets | 1.1090% | 2,544 |
| Return on Equity (ROE) | 9.9500% | 2,651 |
| Retained earnings to average equity (ytd only) | 6.0229% | 2,628 |
| Net charge-offs to loans | 0.1696% | 506 |
| Credit loss provision to net charge-offs | 2.9412% | 2,094 |
| Earnings coverage of net charge-offs (x) | 21.5588% | 1,776 |
| Efficiency ratio | 71.6002% | 1,612 |
| Assets per employee ($millions) | 4.8649% | 3,700 |
| Cash dividends to net income (ytd only)* | 39.4809% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,137 |
| Loan loss allowance to noncurrent loans | 318.6275% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 2,477 |
| Noncurrent loans to loans | 0.3906% | 1,855 |
| Net loans and leases to total assets | 31.1800% | 4,295 |
| Net loans and leases to deposits | 35.2589% | 4,308 |
| Net loans and leases to core deposits | 42.3462% | 4,208 |
| Total domestic deposits to total assets | 88.4400% | 1,431 |
| Equity capital to assets | 10.8110% | 1,426 |
| Core capital (leverage) ratio | 19.5364% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.7406% | 120 |
| Memoranda: | ||
| Average total assets | $88,001,250 | 3,947 |
| Average earning assets | $80,315,250 | 3,943 |
| Average equity | $9,806,750 | 3,742 |
| Average total loans | $26,731,000 | 4,205 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,350 |
| Cost of funding earning assets | 1.4281% | 1,377 |
| Net interest margin | 2.7441% | 3,917 |
| Noninterest income to average assets | 1.3100% | 385 |
| Noninterest expense to average assets | 2.7894% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0226% | 2,349 |
| Return on assets (ROA) | 1.0226% | 2,338 |
| Pretax return on assets | 1.0226% | 2,851 |
| Return on Equity (ROE) | 9.0900% | 2,965 |
| Retained earnings to average equity (ytd only) | 6.6962% | 2,378 |
| Net charge-offs to loans | 0.1411% | 543 |
| Credit loss provision to net charge-offs | 5.2632% | 1,809 |
| Earnings coverage of net charge-offs (x) | 24.2105% | 1,656 |
| Efficiency ratio | 73.1308% | 1,447 |
| Assets per employee ($millions) | 5.1662% | 3,440 |
| Cash dividends to net income (ytd only)* | 26.3617% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,027 |
| Loan loss allowance to noncurrent loans | 293.9655% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 2,623 |
| Noncurrent loans to loans | 0.4344% | 1,631 |
| Net loans and leases to total assets | 30.0200% | 4,330 |
| Net loans and leases to deposits | 34.2674% | 4,325 |
| Net loans and leases to core deposits | 41.1912% | 4,235 |
| Total domestic deposits to total assets | 87.6000% | 1,747 |
| Equity capital to assets | 11.7972% | 1,107 |
| Core capital (leverage) ratio | 18.5763% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.0264% | 122 |
| Memoranda: | ||
| Average total assets | $89,767,333 | 3,941 |
| Average earning assets | $82,067,000 | 3,938 |
| Average equity | $10,095,333 | 3,735 |
| Average total loans | $26,937,000 | 4,213 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,289 |
| Cost of funding earning assets | 1.3680% | 1,097 |
| Net interest margin | 2.7120% | 4,058 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 2.9271% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5422% | 3,805 |
| Return on assets (ROA) | 0.5422% | 3,768 |
| Pretax return on assets | 0.5422% | 3,931 |
| Return on Equity (ROE) | 4.9400% | 3,899 |
| Retained earnings to average equity (ytd only) | 4.3363% | 3,170 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.2640% | 582 |
| Assets per employee ($millions) | 5.3123% | 3,400 |
| Cash dividends to net income (ytd only)* | 12.1951% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 1,885 |
| Loan loss allowance to noncurrent loans | 301.6807% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 2,591 |
| Noncurrent loans to loans | 0.4419% | 1,617 |
| Net loans and leases to total assets | 29.4200% | 4,376 |
| Net loans and leases to deposits | 33.4374% | 4,388 |
| Net loans and leases to core deposits | 39.3595% | 4,285 |
| Total domestic deposits to total assets | 87.9900% | 1,930 |
| Equity capital to assets | 11.5481% | 1,138 |
| Core capital (leverage) ratio | 18.0311% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0036% | 129 |
| Memoranda: | ||
| Average total assets | $90,738,000 | 3,985 |
| Average earning assets | $83,039,000 | 3,980 |
| Average equity | $9,962,500 | 3,792 |
| Average total loans | $27,053,000 | 4,264 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 2,757 |
| Cost of funding earning assets | 0.5902% | 939 |
| Net interest margin | 3.0260% | 3,376 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 2.4188% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3112% | 1,390 |
| Return on assets (ROA) | 1.3112% | 1,357 |
| Pretax return on assets | 1.3112% | 2,051 |
| Return on Equity (ROE) | 10.4600% | 2,657 |
| Retained earnings to average equity (ytd only) | 0.6493% | 4,249 |
| Net charge-offs to loans | -0.1106% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.8478% | 2,381 |
| Assets per employee ($millions) | 5.3628% | 3,357 |
| Cash dividends to net income (ytd only)* | 93.7908% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 1,819 |
| Loan loss allowance to noncurrent loans | 380.8511% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 2,816 |
| Noncurrent loans to loans | 0.3459% | 1,902 |
| Net loans and leases to total assets | 29.4200% | 4,401 |
| Net loans and leases to deposits | 32.9962% | 4,413 |
| Net loans and leases to core deposits | 38.6887% | 4,313 |
| Total domestic deposits to total assets | 89.1500% | 1,680 |
| Equity capital to assets | 10.4160% | 1,490 |
| Core capital (leverage) ratio | 18.1321% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.1268% | 134 |
| Memoranda: | ||
| Average total assets | $93,352,600 | 3,980 |
| Average earning assets | $85,557,600 | 3,975 |
| Average equity | $11,705,000 | 3,695 |
| Average total loans | $27,114,800 | 4,284 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5155% | 2,572 |
| Cost of funding earning assets | 0.4505% | 979 |
| Net interest margin | 3.0650% | 3,038 |
| Noninterest income to average assets | 0.9400% | 760 |
| Noninterest expense to average assets | 2.3642% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3887% | 1,120 |
| Return on assets (ROA) | 1.3887% | 1,089 |
| Pretax return on assets | 1.3887% | 1,747 |
| Return on Equity (ROE) | 10.6400% | 2,527 |
| Retained earnings to average equity (ytd only) | 6.8747% | 2,416 |
| Net charge-offs to loans | -0.2017% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.9966% | 2,687 |
| Assets per employee ($millions) | 5.5688% | 3,155 |
| Cash dividends to net income (ytd only)* | 35.3783% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 1,798 |
| Loan loss allowance to noncurrent loans | 137.1747% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 1,743 |
| Noncurrent loans to loans | 0.9854% | 792 |
| Net loans and leases to total assets | 30.2200% | 4,420 |
| Net loans and leases to deposits | 34.6033% | 4,403 |
| Net loans and leases to core deposits | 39.1660% | 4,305 |
| Total domestic deposits to total assets | 87.3400% | 2,652 |
| Equity capital to assets | 9.9877% | 1,631 |
| Core capital (leverage) ratio | 18.0924% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.1621% | 122 |
| Memoranda: | ||
| Average total assets | $93,899,000 | 4,004 |
| Average earning assets | $86,130,750 | 3,995 |
| Average equity | $12,257,250 | 3,689 |
| Average total loans | $27,099,250 | 4,314 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3631% | 2,534 |
| Cost of funding earning assets | 0.3420% | 1,347 |
| Net interest margin | 3.0211% | 2,824 |
| Noninterest income to average assets | 0.9173% | 811 |
| Noninterest expense to average assets | 2.3749% | 2,319 |
| Loan and lease loss provision to assets | -0.1215% | 4,624 |
| Net operating income to assets | 1.4388% | 816 |
| Return on assets (ROA) | 1.4388% | 798 |
| Pretax return on assets | 1.4388% | 1,334 |
| Return on Equity (ROE) | 10.2716% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.6384% | 2,120 |
| Net charge-offs to loans | -0.3477% | 4,659 |
| Credit loss provision to net charge-offs | 123.4043% | 1,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3222% | 2,732 |
| Assets per employee ($millions) | 5.7721% | 2,956 |
| Cash dividends to net income (ytd only)* | 35.3712% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 1,755 |
| Loan loss allowance to noncurrent loans | 240.3846% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,516 |
| Noncurrent loans to loans | 0.5819% | 1,452 |
| Net loans and leases to total assets | 28.6249% | 4,499 |
| Net loans and leases to deposits | 34.4160% | 4,439 |
| Net loans and leases to core deposits | 39.2569% | 4,341 |
| Total domestic deposits to total assets | 83.1733% | 3,845 |
| Equity capital to assets | 11.9715% | 886 |
| Core capital (leverage) ratio | 17.4154% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.0488% | 88 |
| Memoranda: | ||
| Average total assets | $95,498,667 | 4,032 |
| Average earning assets | $87,716,667 | 4,035 |
| Average equity | $13,376,667 | 3,647 |
| Average total loans | $27,033,000 | 4,370 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 2,643 |
| Cost of funding earning assets | 0.3317% | 1,361 |
| Net interest margin | 2.8824% | 2,898 |
| Noninterest income to average assets | 1.1167% | 544 |
| Noninterest expense to average assets | 2.2911% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4752% | 670 |
| Return on assets (ROA) | 1.4752% | 663 |
| Pretax return on assets | 1.4752% | 1,064 |
| Return on Equity (ROE) | 9.8507% | 2,021 |
| Retained earnings to average equity (ytd only) | 6.7965% | 1,961 |
| Net charge-offs to loans | -0.7810% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8315% | 3,393 |
| Assets per employee ($millions) | 6.0324% | 2,778 |
| Cash dividends to net income (ytd only)* | 31.0056% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,864 |
| Loan loss allowance to noncurrent loans | 309.7561% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 2,909 |
| Noncurrent loans to loans | 0.4558% | 1,884 |
| Net loans and leases to total assets | 27.5614% | 4,519 |
| Net loans and leases to deposits | 31.9878% | 4,494 |
| Net loans and leases to core deposits | 36.0984% | 4,423 |
| Total domestic deposits to total assets | 86.1623% | 3,208 |
| Equity capital to assets | 13.4264% | 618 |
| Core capital (leverage) ratio | 16.6400% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.7118% | 87 |
| Memoranda: | ||
| Average total assets | $97,071,500 | 4,029 |
| Average earning assets | $89,231,500 | 4,028 |
| Average equity | $14,537,000 | 3,601 |
| Average total loans | $27,144,000 | 4,387 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3286% | 3,119 |
| Cost of funding earning assets | 0.3753% | 1,715 |
| Net interest margin | 2.9532% | 3,314 |
| Noninterest income to average assets | 0.8240% | 1,395 |
| Noninterest expense to average assets | 2.4018% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1288% | 2,175 |
| Return on assets (ROA) | 1.1288% | 2,229 |
| Pretax return on assets | 1.1288% | 2,884 |
| Return on Equity (ROE) | 6.6085% | 3,621 |
| Retained earnings to average equity (ytd only) | 0.5306% | 4,368 |
| Net charge-offs to loans | -0.0035% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0280% | 1,969 |
| Assets per employee ($millions) | 6.1015% | 2,662 |
| Cash dividends to net income (ytd only)* | 91.9708% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,877 |
| Loan loss allowance to noncurrent loans | 285.9259% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 2,972 |
| Noncurrent loans to loans | 0.4944% | 1,891 |
| Net loans and leases to total assets | 27.5742% | 4,578 |
| Net loans and leases to deposits | 33.1658% | 4,552 |
| Net loans and leases to core deposits | 37.5439% | 4,477 |
| Total domestic deposits to total assets | 83.1404% | 3,774 |
| Equity capital to assets | 16.5072% | 329 |
| Core capital (leverage) ratio | 17.0039% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.5811% | 86 |
| Memoranda: | ||
| Average total assets | $97,092,000 | 4,023 |
| Average earning assets | $88,987,000 | 4,035 |
| Average equity | $16,584,600 | 3,496 |
| Average total loans | $28,399,400 | 4,412 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3260% | 3,319 |
| Cost of funding earning assets | 0.3887% | 1,788 |
| Net interest margin | 2.9373% | 3,464 |
| Noninterest income to average assets | 0.7811% | 1,582 |
| Noninterest expense to average assets | 2.4285% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0437% | 2,754 |
| Return on assets (ROA) | 1.0437% | 2,818 |
| Pretax return on assets | 1.0437% | 3,339 |
| Return on Equity (ROE) | 6.0590% | 3,895 |
| Retained earnings to average equity (ytd only) | 3.7200% | 3,671 |
| Net charge-offs to loans | -0.0279% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9406% | 1,607 |
| Assets per employee ($millions) | 5.9681% | 2,727 |
| Cash dividends to net income (ytd only)* | 38.6034% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 2,089 |
| Loan loss allowance to noncurrent loans | 216.0221% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 2,851 |
| Noncurrent loans to loans | 0.6405% | 1,705 |
| Net loans and leases to total assets | 29.1856% | 4,612 |
| Net loans and leases to deposits | 35.5953% | 4,587 |
| Net loans and leases to core deposits | 40.2690% | 4,505 |
| Total domestic deposits to total assets | 81.9927% | 3,930 |
| Equity capital to assets | 17.5172% | 298 |
| Core capital (leverage) ratio | 17.0585% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.5366% | 93 |
| Memoranda: | ||
| Average total assets | $96,959,000 | 4,068 |
| Average earning assets | $88,832,750 | 4,083 |
| Average equity | $16,702,000 | 3,535 |
| Average total loans | $28,673,000 | 4,462 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3361% | 3,338 |
| Cost of funding earning assets | 0.4888% | 1,269 |
| Net interest margin | 2.8473% | 3,684 |
| Noninterest income to average assets | 0.9030% | 1,269 |
| Noninterest expense to average assets | 2.3664% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1432% | 2,393 |
| Return on assets (ROA) | 1.1432% | 2,452 |
| Pretax return on assets | 1.1432% | 3,081 |
| Return on Equity (ROE) | 6.6732% | 3,738 |
| Retained earnings to average equity (ytd only) | 4.4568% | 3,375 |
| Net charge-offs to loans | -0.0833% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4269% | 1,945 |
| Assets per employee ($millions) | 6.1105% | 2,513 |
| Cash dividends to net income (ytd only)* | 33.2136% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 2,027 |
| Loan loss allowance to noncurrent loans | 204.6392% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 1,445 |
| Noncurrent loans to loans | 0.6787% | 1,726 |
| Net loans and leases to total assets | 28.8305% | 4,688 |
| Net loans and leases to deposits | 34.9993% | 4,652 |
| Net loans and leases to core deposits | 40.0071% | 4,582 |
| Total domestic deposits to total assets | 82.3746% | 3,847 |
| Equity capital to assets | 17.1334% | 317 |
| Core capital (leverage) ratio | 16.6970% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.9578% | 92 |
| Memoranda: | ||
| Average total assets | $97,449,000 | 4,087 |
| Average earning assets | $89,206,000 | 4,097 |
| Average equity | $16,693,667 | 3,542 |
| Average total loans | $28,810,667 | 4,488 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2892% | 3,474 |
| Cost of funding earning assets | 0.4712% | 1,586 |
| Net interest margin | 2.8180% | 3,714 |
| Noninterest income to average assets | 1.1183% | 958 |
| Noninterest expense to average assets | 2.3805% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3198% | 1,763 |
| Return on assets (ROA) | 1.3198% | 1,846 |
| Pretax return on assets | 1.3198% | 2,515 |
| Return on Equity (ROE) | 7.7048% | 3,412 |
| Retained earnings to average equity (ytd only) | 5.2565% | 3,147 |
| Net charge-offs to loans | -0.0138% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3333% | 2,427 |
| Assets per employee ($millions) | 6.1161% | 2,479 |
| Cash dividends to net income (ytd only)* | 31.7757% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 2,211 |
| Loan loss allowance to noncurrent loans | 75.9843% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 1,248 |
| Noncurrent loans to loans | 1.7728% | 664 |
| Net loans and leases to total assets | 28.8878% | 4,726 |
| Net loans and leases to deposits | 34.9164% | 4,707 |
| Net loans and leases to core deposits | 40.0814% | 4,617 |
| Total domestic deposits to total assets | 82.7342% | 3,755 |
| Equity capital to assets | 16.8642% | 323 |
| Core capital (leverage) ratio | 16.6998% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.6890% | 93 |
| Memoranda: | ||
| Average total assets | $97,289,500 | 4,104 |
| Average earning assets | $89,140,500 | 4,110 |
| Average equity | $16,665,000 | 3,545 |
| Average total loans | $28,924,000 | 4,511 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 3,130 |
| Cost of funding earning assets | 0.6484% | 2,003 |
| Net interest margin | 3.2144% | 3,320 |
| Noninterest income to average assets | 0.8090% | 1,503 |
| Noninterest expense to average assets | 2.5104% | 2,814 |
| Loan and lease loss provision to assets | 0.0238% | 4,101 |
| Net operating income to assets | 1.2011% | 1,555 |
| Return on assets (ROA) | 1.2011% | 1,656 |
| Pretax return on assets | 1.2011% | 2,318 |
| Return on Equity (ROE) | 6.6467% | 3,353 |
| Retained earnings to average equity (ytd only) | 0.4855% | 4,370 |
| Net charge-offs to loans | 0.0589% | 1,933 |
| Credit loss provision to net charge-offs | 122.2222% | 2,616 |
| Earnings coverage of net charge-offs (x) | 62.8333% | 1,047 |
| Efficiency ratio | 67.2079% | 2,339 |
| Assets per employee ($millions) | 6.0451% | 2,300 |
| Cash dividends to net income (ytd only)* | 92.6961% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 2,322 |
| Loan loss allowance to noncurrent loans | 81.3953% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 1,460 |
| Noncurrent loans to loans | 1.6203% | 813 |
| Net loans and leases to total assets | 29.7846% | 4,756 |
| Net loans and leases to deposits | 36.2219% | 4,741 |
| Net loans and leases to core deposits | 41.6861% | 4,658 |
| Total domestic deposits to total assets | 82.2283% | 3,614 |
| Equity capital to assets | 17.3975% | 305 |
| Core capital (leverage) ratio | 16.8668% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.9867% | 94 |
| Memoranda: | ||
| Average total assets | $92,334,600 | 4,094 |
| Average earning assets | $84,058,000 | 4,098 |
| Average equity | $16,685,000 | 3,484 |
| Average total loans | $30,543,800 | 4,508 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 3,006 |
| Cost of funding earning assets | 0.7017% | 2,014 |
| Net interest margin | 3.2854% | 3,235 |
| Noninterest income to average assets | 0.8520% | 1,344 |
| Noninterest expense to average assets | 2.5880% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2538% | 1,468 |
| Return on assets (ROA) | 1.2538% | 1,587 |
| Pretax return on assets | 1.2538% | 2,214 |
| Return on Equity (ROE) | 6.8709% | 3,248 |
| Retained earnings to average equity (ytd only) | 4.4765% | 2,812 |
| Net charge-offs to loans | 0.0173% | 2,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 214.5000% | 474 |
| Efficiency ratio | 67.3640% | 2,274 |
| Assets per employee ($millions) | 4.6987% | 3,600 |
| Cash dividends to net income (ytd only)* | 34.8485% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,419 |
| Loan loss allowance to noncurrent loans | 97.6744% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 1,555 |
| Noncurrent loans to loans | 1.2745% | 1,171 |
| Net loans and leases to total assets | 31.9113% | 4,790 |
| Net loans and leases to deposits | 39.3569% | 4,768 |
| Net loans and leases to core deposits | 45.8329% | 4,666 |
| Total domestic deposits to total assets | 81.0818% | 3,641 |
| Equity capital to assets | 18.3712% | 278 |
| Core capital (leverage) ratio | 17.7434% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.6483% | 92 |
| Memoranda: | ||
| Average total assets | $91,238,000 | 4,111 |
| Average earning assets | $83,030,750 | 4,113 |
| Average equity | $16,649,500 | 3,485 |
| Average total loans | $30,881,500 | 4,527 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 3,048 |
| Cost of funding earning assets | 0.7612% | 2,046 |
| Net interest margin | 3.3423% | 3,263 |
| Noninterest income to average assets | 0.8724% | 1,230 |
| Noninterest expense to average assets | 2.5906% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3152% | 1,323 |
| Return on assets (ROA) | 1.3152% | 1,426 |
| Pretax return on assets | 1.3152% | 1,983 |
| Return on Equity (ROE) | 7.2242% | 3,045 |
| Retained earnings to average equity (ytd only) | 4.6459% | 2,642 |
| Net charge-offs to loans | -0.0322% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3265% | 2,467 |
| Assets per employee ($millions) | 4.5780% | 3,681 |
| Cash dividends to net income (ytd only)* | 35.6902% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,185 |
| Loan loss allowance to noncurrent loans | 194.9495% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 2,122 |
| Noncurrent loans to loans | 0.6482% | 2,245 |
| Net loans and leases to total assets | 32.9383% | 4,805 |
| Net loans and leases to deposits | 40.7822% | 4,777 |
| Net loans and leases to core deposits | 46.9393% | 4,689 |
| Total domestic deposits to total assets | 80.7665% | 3,667 |
| Equity capital to assets | 18.6699% | 255 |
| Core capital (leverage) ratio | 17.7752% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.3248% | 90 |
| Memoranda: | ||
| Average total assets | $90,326,333 | 4,126 |
| Average earning assets | $81,980,000 | 4,143 |
| Average equity | $16,444,667 | 3,514 |
| Average total loans | $31,053,333 | 4,543 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 3,072 |
| Cost of funding earning assets | 0.8755% | 1,989 |
| Net interest margin | 3.3743% | 3,386 |
| Noninterest income to average assets | 1.0077% | 846 |
| Noninterest expense to average assets | 2.6441% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4224% | 938 |
| Return on assets (ROA) | 1.4224% | 1,011 |
| Pretax return on assets | 1.4224% | 1,500 |
| Return on Equity (ROE) | 7.9156% | 2,552 |
| Retained earnings to average equity (ytd only) | 5.2357% | 2,181 |
| Net charge-offs to loans | 0.2683% | 542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 15.1905% | 1,572 |
| Efficiency ratio | 65.0219% | 3,083 |
| Assets per employee ($millions) | 4.5179% | 3,232 |
| Cash dividends to net income (ytd only)* | 33.8558% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 2,895 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 2,237 |
| Noncurrent loans to loans | 0.6948% | 2,256 |
| Net loans and leases to total assets | 34.0095% | 4,832 |
| Net loans and leases to deposits | 41.7380% | 4,805 |
| Net loans and leases to core deposits | 48.2948% | 4,718 |
| Total domestic deposits to total assets | 81.4834% | 3,549 |
| Equity capital to assets | 17.9709% | 357 |
| Core capital (leverage) ratio | 17.8669% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.4688% | 97 |
| Memoranda: | ||
| Average total assets | $89,710,000 | 4,122 |
| Average earning assets | $81,321,000 | 4,148 |
| Average equity | $16,120,000 | 3,551 |
| Average total loans | $31,308,000 | 4,569 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 3,478 |
| Cost of funding earning assets | 0.8908% | 2,231 |
| Net interest margin | 3.4313% | 3,647 |
| Noninterest income to average assets | 0.9876% | 994 |
| Noninterest expense to average assets | 2.5961% | 3,182 |
| Loan and lease loss provision to assets | 0.1423% | 1,500 |
| Net operating income to assets | 1.3785% | 1,420 |
| Return on assets (ROA) | 1.3785% | 1,494 |
| Pretax return on assets | 1.3785% | 2,238 |
| Return on Equity (ROE) | 7.8873% | 3,210 |
| Retained earnings to average equity (ytd only) | 1.0650% | 4,363 |
| Net charge-offs to loans | 0.4608% | 402 |
| Credit loss provision to net charge-offs | 87.8378% | 2,678 |
| Earnings coverage of net charge-offs (x) | 9.3851% | 2,667 |
| Efficiency ratio | 63.0585% | 3,213 |
| Assets per employee ($millions) | 4.4532% | 3,300 |
| Cash dividends to net income (ytd only)* | 86.4972% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,389 |
| Loan loss allowance to noncurrent loans | 166.3755% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 1,843 |
| Noncurrent loans to loans | 0.7264% | 2,064 |
| Net loans and leases to total assets | 34.9696% | 4,871 |
| Net loans and leases to deposits | 42.9071% | 4,850 |
| Net loans and leases to core deposits | 49.5143% | 4,766 |
| Total domestic deposits to total assets | 81.5007% | 3,642 |
| Equity capital to assets | 17.9671% | 368 |
| Core capital (leverage) ratio | 17.8117% | 351 |
| Tier 1 risk-based capital ratio | 45.8718% | 170 |
| Total risk-based capital ratio | 46.9717% | 170 |
| Memoranda: | ||
| Average total assets | $91,329,800 | 4,125 |
| Average earning assets | $83,291,600 | 4,139 |
| Average equity | $15,962,400 | 3,546 |
| Average total loans | $32,121,000 | 4,599 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 3,576 |
| Cost of funding earning assets | 0.9012% | 2,229 |
| Net interest margin | 3.4256% | 3,789 |
| Noninterest income to average assets | 0.9663% | 1,008 |
| Noninterest expense to average assets | 2.5898% | 3,193 |
| Loan and lease loss provision to assets | 0.1523% | 1,236 |
| Net operating income to assets | 1.3566% | 1,625 |
| Return on assets (ROA) | 1.3566% | 1,685 |
| Pretax return on assets | 1.3566% | 2,474 |
| Return on Equity (ROE) | 7.8147% | 3,380 |
| Retained earnings to average equity (ytd only) | 4.7473% | 3,030 |
| Net charge-offs to loans | 0.5247% | 321 |
| Credit loss provision to net charge-offs | 82.6772% | 2,470 |
| Earnings coverage of net charge-offs (x) | 8.1889% | 2,680 |
| Efficiency ratio | 63.1858% | 3,129 |
| Assets per employee ($millions) | 4.4800% | 3,242 |
| Cash dividends to net income (ytd only)* | 39.2511% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,653 |
| Loan loss allowance to noncurrent loans | 155.7851% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 1,923 |
| Noncurrent loans to loans | 0.7526% | 2,082 |
| Net loans and leases to total assets | 35.4654% | 4,956 |
| Net loans and leases to deposits | 43.7857% | 4,914 |
| Net loans and leases to core deposits | 50.7693% | 4,820 |
| Total domestic deposits to total assets | 80.9978% | 3,756 |
| Equity capital to assets | 18.3717% | 363 |
| Core capital (leverage) ratio | 18.1325% | 343 |
| Tier 1 risk-based capital ratio | 46.3911% | 161 |
| Total risk-based capital ratio | 47.4650% | 163 |
| Memoranda: | ||
| Average total assets | $91,896,500 | 4,164 |
| Average earning assets | $84,030,750 | 4,176 |
| Average equity | $15,952,500 | 3,581 |
| Average total loans | $32,269,750 | 4,661 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 3,634 |
| Cost of funding earning assets | 0.8906% | 2,195 |
| Net interest margin | 3.4093% | 3,869 |
| Noninterest income to average assets | 0.9281% | 1,013 |
| Noninterest expense to average assets | 2.4972% | 3,488 |
| Loan and lease loss provision to assets | 0.0540% | 2,739 |
| Net operating income to assets | 1.5001% | 1,152 |
| Return on assets (ROA) | 1.5001% | 1,203 |
| Pretax return on assets | 1.5001% | 1,860 |
| Return on Equity (ROE) | 8.8069% | 2,933 |
| Retained earnings to average equity (ytd only) | 5.3095% | 2,619 |
| Net charge-offs to loans | 0.1981% | 836 |
| Credit loss provision to net charge-offs | 78.1250% | 2,243 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,690 |
| Efficiency ratio | 61.6409% | 3,486 |
| Assets per employee ($millions) | 4.5452% | 3,068 |
| Cash dividends to net income (ytd only)* | 39.7122% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,533 |
| Loan loss allowance to noncurrent loans | 63.2258% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.8096% | 1,736 |
| Noncurrent loans to loans | 1.8949% | 784 |
| Net loans and leases to total assets | 35.5628% | 4,989 |
| Net loans and leases to deposits | 43.6305% | 4,958 |
| Net loans and leases to core deposits | 50.2128% | 4,863 |
| Total domestic deposits to total assets | 81.5091% | 3,663 |
| Equity capital to assets | 17.9255% | 390 |
| Core capital (leverage) ratio | 17.6422% | 367 |
| Tier 1 risk-based capital ratio | 45.3193% | 171 |
| Total risk-based capital ratio | 46.4199% | 172 |
| Memoranda: | ||
| Average total assets | $92,662,000 | 4,180 |
| Average earning assets | $84,884,330 | 4,196 |
| Average equity | $15,783,000 | 3,605 |
| Average total loans | $32,308,330 | 4,696 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 3,982 |
| Cost of funding earning assets | 0.8827% | 2,077 |
| Net interest margin | 3.2741% | 4,221 |
| Noninterest income to average assets | 0.9151% | 1,010 |
| Noninterest expense to average assets | 2.5144% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3983% | 1,384 |
| Return on assets (ROA) | 1.3983% | 1,415 |
| Pretax return on assets | 1.3983% | 2,091 |
| Return on Equity (ROE) | 8.4240% | 3,069 |
| Retained earnings to average equity (ytd only) | 5.1008% | 2,862 |
| Net charge-offs to loans | 0.0125% | 2,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 327.0000% | 248 |
| Efficiency ratio | 64.2623% | 3,196 |
| Assets per employee ($millions) | 4.6799% | 2,942 |
| Cash dividends to net income (ytd only)* | 39.4495% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,428 |
| Loan loss allowance to noncurrent loans | 122.0859% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 2,726 |
| Noncurrent loans to loans | 1.0073% | 1,658 |
| Net loans and leases to total assets | 34.1539% | 5,069 |
| Net loans and leases to deposits | 41.3096% | 5,055 |
| Net loans and leases to core deposits | 47.6501% | 4,945 |
| Total domestic deposits to total assets | 82.6779% | 3,513 |
| Equity capital to assets | 16.8894% | 459 |
| Core capital (leverage) ratio | 17.1678% | 409 |
| Tier 1 risk-based capital ratio | 44.2351% | 176 |
| Total risk-based capital ratio | 45.3411% | 177 |
| Memoranda: | ||
| Average total assets | $93,541,000 | 4,210 |
| Average earning assets | $85,642,500 | 4,227 |
| Average equity | $15,527,000 | 3,642 |
| Average total loans | $32,102,500 | 4,751 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 3,671 |
| Cost of funding earning assets | 0.7420% | 1,840 |
| Net interest margin | 3.3819% | 4,044 |
| Noninterest income to average assets | 0.8198% | 1,397 |
| Noninterest expense to average assets | 2.3532% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5742% | 939 |
| Return on assets (ROA) | 1.5742% | 928 |
| Pretax return on assets | 1.5742% | 1,538 |
| Return on Equity (ROE) | 9.9499% | 2,538 |
| Retained earnings to average equity (ytd only) | 2.0804% | 4,325 |
| Net charge-offs to loans | 0.1231% | 1,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 39.4872% | 1,322 |
| Efficiency ratio | 59.9167% | 3,873 |
| Assets per employee ($millions) | 4.6743% | 2,919 |
| Cash dividends to net income (ytd only)* | 79.0909% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,280 |
| Loan loss allowance to noncurrent loans | 117.6991% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 2,630 |
| Noncurrent loans to loans | 1.0647% | 1,532 |
| Net loans and leases to total assets | 33.6321% | 5,127 |
| Net loans and leases to deposits | 40.3825% | 5,116 |
| Net loans and leases to core deposits | 46.9234% | 5,006 |
| Total domestic deposits to total assets | 83.2839% | 3,230 |
| Equity capital to assets | 16.3085% | 490 |
| Core capital (leverage) ratio | 16.7977% | 428 |
| Tier 1 risk-based capital ratio | 44.0274% | 186 |
| Total risk-based capital ratio | 45.1449% | 185 |
| Memoranda: | ||
| Average total assets | $97,824,800 | 4,134 |
| Average earning assets | $89,889,000 | 4,146 |
| Average equity | $15,477,600 | 3,577 |
| Average total loans | $31,673,000 | 4,779 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 3,809 |
| Cost of funding earning assets | 0.7270% | 1,705 |
| Net interest margin | 3.3154% | 4,243 |
| Noninterest income to average assets | 0.7818% | 1,534 |
| Noninterest expense to average assets | 2.3671% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4639% | 1,292 |
| Return on assets (ROA) | 1.4639% | 1,296 |
| Pretax return on assets | 1.4639% | 2,024 |
| Return on Equity (ROE) | 9.3203% | 2,949 |
| Retained earnings to average equity (ytd only) | 6.0419% | 2,637 |
| Net charge-offs to loans | 0.1180% | 1,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 38.7881% | 1,384 |
| Efficiency ratio | 61.7875% | 3,544 |
| Assets per employee ($millions) | 4.7259% | 2,812 |
| Cash dividends to net income (ytd only)* | 35.1750% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 2,066 |
| Loan loss allowance to noncurrent loans | 109.9196% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 2,667 |
| Noncurrent loans to loans | 1.1893% | 1,423 |
| Net loans and leases to total assets | 32.7483% | 5,225 |
| Net loans and leases to deposits | 39.4065% | 5,221 |
| Net loans and leases to core deposits | 46.1840% | 5,105 |
| Total domestic deposits to total assets | 83.1037% | 3,266 |
| Equity capital to assets | 16.3524% | 480 |
| Core capital (leverage) ratio | 16.9736% | 424 |
| Tier 1 risk-based capital ratio | 45.8250% | 170 |
| Total risk-based capital ratio | 46.9919% | 169 |
| Memoranda: | ||
| Average total assets | $98,909,750 | 4,161 |
| Average earning assets | $90,965,750 | 4,168 |
| Average equity | $15,535,500 | 3,593 |
| Average total loans | $31,631,250 | 4,831 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,774 |
| Cost of funding earning assets | 0.6915% | 1,669 |
| Net interest margin | 3.3122% | 4,218 |
| Noninterest income to average assets | 0.7851% | 1,517 |
| Noninterest expense to average assets | 2.2954% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5343% | 1,067 |
| Return on assets (ROA) | 1.5343% | 1,071 |
| Pretax return on assets | 1.5343% | 1,697 |
| Return on Equity (ROE) | 9.8959% | 2,614 |
| Retained earnings to average equity (ytd only) | 6.4516% | 2,332 |
| Net charge-offs to loans | 0.0694% | 1,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 910 |
| Efficiency ratio | 59.9376% | 3,943 |
| Assets per employee ($millions) | 4.8365% | 2,636 |
| Cash dividends to net income (ytd only)* | 34.8052% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,023 |
| Loan loss allowance to noncurrent loans | 116.0326% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 1,791 |
| Noncurrent loans to loans | 1.1480% | 1,523 |
| Net loans and leases to total assets | 32.6972% | 5,276 |
| Net loans and leases to deposits | 39.9399% | 5,246 |
| Net loans and leases to core deposits | 47.0886% | 5,123 |
| Total domestic deposits to total assets | 81.8660% | 3,763 |
| Equity capital to assets | 16.0167% | 499 |
| Core capital (leverage) ratio | 16.2401% | 466 |
| Tier 1 risk-based capital ratio | 44.5353% | 178 |
| Total risk-based capital ratio | 45.7313% | 177 |
| Memoranda: | ||
| Average total assets | $100,373,670 | 4,170 |
| Average earning assets | $92,264,670 | 4,175 |
| Average equity | $15,562,000 | 3,604 |
| Average total loans | $31,720,670 | 4,884 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,782 |
| Cost of funding earning assets | 0.6727% | 1,584 |
| Net interest margin | 3.2782% | 4,241 |
| Noninterest income to average assets | 0.7789% | 1,523 |
| Noninterest expense to average assets | 2.2545% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5382% | 982 |
| Return on assets (ROA) | 1.5382% | 991 |
| Pretax return on assets | 1.5382% | 1,573 |
| Return on Equity (ROE) | 10.0792% | 2,387 |
| Retained earnings to average equity (ytd only) | 6.6425% | 2,434 |
| Net charge-offs to loans | 0.0254% | 1,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 196.5000% | 342 |
| Efficiency ratio | 59.4427% | 4,138 |
| Assets per employee ($millions) | 5.0285% | 2,454 |
| Cash dividends to net income (ytd only)* | 34.0967% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,860 |
| Loan loss allowance to noncurrent loans | 111.7949% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 1,919 |
| Noncurrent loans to loans | 1.2482% | 1,453 |
| Net loans and leases to total assets | 30.6354% | 5,350 |
| Net loans and leases to deposits | 36.3574% | 5,352 |
| Net loans and leases to core deposits | 42.4971% | 5,254 |
| Total domestic deposits to total assets | 84.2617% | 3,213 |
| Equity capital to assets | 15.3803% | 590 |
| Core capital (leverage) ratio | 15.3144% | 590 |
| Tier 1 risk-based capital ratio | 44.4498% | 179 |
| Total risk-based capital ratio | 45.6876% | 177 |
| Memoranda: | ||
| Average total assets | $102,195,500 | 4,189 |
| Average earning assets | $93,953,500 | 4,191 |
| Average equity | $15,596,500 | 3,637 |
| Average total loans | $31,553,500 | 4,934 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 3,890 |
| Cost of funding earning assets | 0.6598% | 1,248 |
| Net interest margin | 3.1876% | 4,479 |
| Noninterest income to average assets | 0.7201% | 1,883 |
| Noninterest expense to average assets | 2.1576% | 4,629 |
| Loan and lease loss provision to assets | 0.1118% | 2,030 |
| Net operating income to assets | 1.4204% | 973 |
| Return on assets (ROA) | 1.4240% | 984 |
| Pretax return on assets | 1.4240% | 1,911 |
| Return on Equity (ROE) | 9.7688% | 1,993 |
| Retained earnings to average equity (ytd only) | 1.3849% | 4,453 |
| Net charge-offs to loans | 0.2148% | 1,210 |
| Credit loss provision to net charge-offs | 177.1429% | 1,528 |
| Earnings coverage of net charge-offs (x) | 24.2857% | 1,764 |
| Efficiency ratio | 58.4758% | 4,472 |
| Assets per employee ($millions) | 5.1911% | 2,263 |
| Cash dividends to net income (ytd only)* | 85.8228% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 1,859 |
| Loan loss allowance to noncurrent loans | 101.8605% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 1,863 |
| Noncurrent loans to loans | 1.3496% | 1,296 |
| Net loans and leases to total assets | 30.2665% | 5,432 |
| Net loans and leases to deposits | 35.8158% | 5,434 |
| Net loans and leases to core deposits | 41.0265% | 5,360 |
| Total domestic deposits to total assets | 84.5060% | 3,034 |
| Equity capital to assets | 15.1463% | 651 |
| Core capital (leverage) ratio | 14.4105% | 749 |
| Tier 1 risk-based capital ratio | 41.4192% | 193 |
| Total risk-based capital ratio | 42.5974% | 192 |
| Memoranda: | ||
| Average total assets | $110,956,600 | 4,043 |
| Average earning assets | $103,369,400 | 4,035 |
| Average equity | $16,174,000 | 3,572 |
| Average total loans | $32,592,800 | 4,942 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 3,886 |
| Cost of funding earning assets | 0.6510% | 1,235 |
| Net interest margin | 3.1852% | 4,491 |
| Noninterest income to average assets | 0.7155% | 1,934 |
| Noninterest expense to average assets | 2.1749% | 4,581 |
| Loan and lease loss provision to assets | 0.1466% | 1,432 |
| Net operating income to assets | 1.3683% | 1,160 |
| Return on assets (ROA) | 1.3683% | 1,179 |
| Pretax return on assets | 1.3683% | 2,225 |
| Return on Equity (ROE) | 9.4720% | 2,364 |
| Retained earnings to average equity (ytd only) | 6.1155% | 2,161 |
| Net charge-offs to loans | 0.2766% | 780 |
| Credit loss provision to net charge-offs | 182.3529% | 1,451 |
| Earnings coverage of net charge-offs (x) | 18.8392% | 2,027 |
| Efficiency ratio | 58.9423% | 4,369 |
| Assets per employee ($millions) | 4.7066% | 2,823 |
| Cash dividends to net income (ytd only)* | 35.4362% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 2,126 |
| Loan loss allowance to noncurrent loans | 49.7175% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 1,846 |
| Noncurrent loans to loans | 2.7126% | 526 |
| Net loans and leases to total assets | 29.7318% | 5,505 |
| Net loans and leases to deposits | 35.4406% | 5,503 |
| Net loans and leases to core deposits | 41.3854% | 5,431 |
| Total domestic deposits to total assets | 83.8921% | 3,156 |
| Equity capital to assets | 15.4410% | 644 |
| Core capital (leverage) ratio | 14.5773% | 748 |
| Tier 1 risk-based capital ratio | 41.6922% | 200 |
| Total risk-based capital ratio | 42.8444% | 200 |
| Memoranda: | ||
| Average total assets | $112,740,500 | 4,056 |
| Average earning assets | $105,276,250 | 4,041 |
| Average equity | $16,286,250 | 3,592 |
| Average total loans | $32,775,750 | 4,981 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 3,760 |
| Cost of funding earning assets | 0.6428% | 1,191 |
| Net interest margin | 3.1971% | 4,428 |
| Noninterest income to average assets | 0.6863% | 2,053 |
| Noninterest expense to average assets | 2.1237% | 4,734 |
| Loan and lease loss provision to assets | 0.1628% | 1,227 |
| Net operating income to assets | 1.3866% | 1,099 |
| Return on assets (ROA) | 1.3866% | 1,124 |
| Pretax return on assets | 1.3866% | 2,070 |
| Return on Equity (ROE) | 9.8121% | 2,120 |
| Retained earnings to average equity (ytd only) | 6.4299% | 1,887 |
| Net charge-offs to loans | 0.2620% | 783 |
| Credit loss provision to net charge-offs | 216.2791% | 1,200 |
| Earnings coverage of net charge-offs (x) | 20.5814% | 1,789 |
| Efficiency ratio | 57.8170% | 4,617 |
| Assets per employee ($millions) | 4.8374% | 2,597 |
| Cash dividends to net income (ytd only)* | 34.4697% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,265 |
| Loan loss allowance to noncurrent loans | 108.5000% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 3,172 |
| Noncurrent loans to loans | 1.2276% | 1,586 |
| Net loans and leases to total assets | 28.8972% | 5,569 |
| Net loans and leases to deposits | 34.1956% | 5,568 |
| Net loans and leases to core deposits | 40.6794% | 5,475 |
| Total domestic deposits to total assets | 84.5057% | 3,008 |
| Equity capital to assets | 14.9083% | 717 |
| Core capital (leverage) ratio | 13.9809% | 871 |
| Tier 1 risk-based capital ratio | 39.8057% | 212 |
| Total risk-based capital ratio | 40.9066% | 213 |
| Memoranda: | ||
| Average total assets | $114,237,000 | 4,056 |
| Average earning assets | $106,722,670 | 4,034 |
| Average equity | $16,143,330 | 3,622 |
| Average total loans | $32,826,000 | 5,013 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 3,874 |
| Cost of funding earning assets | 0.6207% | 1,238 |
| Net interest margin | 3.1476% | 4,511 |
| Noninterest income to average assets | 0.6878% | 2,015 |
| Noninterest expense to average assets | 2.1845% | 4,685 |
| Loan and lease loss provision to assets | 0.0380% | 3,041 |
| Net operating income to assets | 1.4102% | 980 |
| Return on assets (ROA) | 1.4102% | 1,011 |
| Pretax return on assets | 1.4102% | 1,855 |
| Return on Equity (ROE) | 10.2503% | 1,847 |
| Retained earnings to average equity (ytd only) | 6.9843% | 1,855 |
| Net charge-offs to loans | -0.0364% | 5,028 |
| Credit loss provision to net charge-offs | -366.6667% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1332% | 4,437 |
| Assets per employee ($millions) | 4.9997% | 2,449 |
| Cash dividends to net income (ytd only)* | 31.8627% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 3,049 |
| Loan loss allowance to noncurrent loans | 91.4943% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 3,250 |
| Noncurrent loans to loans | 1.3276% | 1,526 |
| Net loans and leases to total assets | 28.1476% | 5,629 |
| Net loans and leases to deposits | 32.9482% | 5,640 |
| Net loans and leases to core deposits | 38.3466% | 5,567 |
| Total domestic deposits to total assets | 85.4297% | 2,910 |
| Equity capital to assets | 14.0138% | 901 |
| Core capital (leverage) ratio | 13.3228% | 1,026 |
| Tier 1 risk-based capital ratio | 38.8925% | 239 |
| Total risk-based capital ratio | 39.8943% | 237 |
| Memoranda: | ||
| Average total assets | $115,725,500 | 4,066 |
| Average earning assets | $108,273,000 | 4,042 |
| Average equity | $15,921,500 | 3,672 |
| Average total loans | $32,946,500 | 5,060 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7032% | 4,197 |
| Cost of funding earning assets | 0.5550% | 1,643 |
| Net interest margin | 3.1482% | 4,590 |
| Noninterest income to average assets | 0.6625% | 2,355 |
| Noninterest expense to average assets | 1.8538% | 5,422 |
| Loan and lease loss provision to assets | 0.1776% | 1,357 |
| Net operating income to assets | 1.5942% | 688 |
| Return on assets (ROA) | 1.5942% | 713 |
| Pretax return on assets | 1.5942% | 1,304 |
| Return on Equity (ROE) | 11.7595% | 1,328 |
| Retained earnings to average equity (ytd only) | -4.3173% | 5,650 |
| Net charge-offs to loans | 0.1517% | 1,742 |
| Credit loss provision to net charge-offs | 437.2549% | 730 |
| Earnings coverage of net charge-offs (x) | 43.6275% | 1,106 |
| Efficiency ratio | 51.1311% | 5,429 |
| Assets per employee ($millions) | 5.0633% | 2,323 |
| Cash dividends to net income (ytd only)* | 136.7133% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 3,377 |
| Loan loss allowance to noncurrent loans | 41.0695% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 2,069 |
| Noncurrent loans to loans | 2.8225% | 512 |
| Net loans and leases to total assets | 28.1160% | 5,680 |
| Net loans and leases to deposits | 32.6966% | 5,703 |
| Net loans and leases to core deposits | 35.2762% | 5,690 |
| Total domestic deposits to total assets | 85.9905% | 2,588 |
| Equity capital to assets | 13.5054% | 1,045 |
| Core capital (leverage) ratio | 12.7050% | 1,251 |
| Tier 1 risk-based capital ratio | 37.1021% | 271 |
| Total risk-based capital ratio | 38.0410% | 278 |
| Memoranda: | ||
| Average total assets | $125,582,000 | 3,897 |
| Average earning assets | $118,194,000 | 3,864 |
| Average equity | $17,024,600 | 3,552 |
| Average total loans | $33,617,200 | 5,081 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 4,588 |
| Cost of funding earning assets | 0.5498% | 1,691 |
| Net interest margin | 3.0369% | 4,934 |
| Noninterest income to average assets | 0.6455% | 2,450 |
| Noninterest expense to average assets | 1.8884% | 5,394 |
| Loan and lease loss provision to assets | 0.2315% | 858 |
| Net operating income to assets | 1.3879% | 1,092 |
| Return on assets (ROA) | 1.3879% | 1,148 |
| Pretax return on assets | 1.3879% | 2,078 |
| Return on Equity (ROE) | 10.2291% | 1,957 |
| Retained earnings to average equity (ytd only) | -1.2143% | 5,516 |
| Net charge-offs to loans | 0.1423% | 1,566 |
| Credit loss provision to net charge-offs | 616.6667% | 602 |
| Earnings coverage of net charge-offs (x) | 43.1377% | 1,181 |
| Efficiency ratio | 53.8347% | 5,252 |
| Assets per employee ($millions) | 5.2965% | 2,051 |
| Cash dividends to net income (ytd only)* | 111.8707% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 3,202 |
| Loan loss allowance to noncurrent loans | 56.5341% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 3,167 |
| Noncurrent loans to loans | 2.1318% | 892 |
| Net loans and leases to total assets | 26.7815% | 5,782 |
| Net loans and leases to deposits | 31.5712% | 5,793 |
| Net loans and leases to core deposits | 34.0014% | 5,782 |
| Total domestic deposits to total assets | 84.8291% | 2,881 |
| Equity capital to assets | 14.4198% | 900 |
| Core capital (leverage) ratio | 12.8126% | 1,263 |
| Tier 1 risk-based capital ratio | 38.4627% | 255 |
| Total risk-based capital ratio | 39.4345% | 258 |
| Memoranda: | ||
| Average total assets | $127,863,250 | 3,888 |
| Average earning assets | $120,516,500 | 3,841 |
| Average equity | $17,348,750 | 3,531 |
| Average total loans | $33,739,750 | 5,124 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5991% | 4,592 |
| Cost of funding earning assets | 0.5487% | 1,707 |
| Net interest margin | 3.0504% | 4,975 |
| Noninterest income to average assets | 0.6391% | 2,424 |
| Noninterest expense to average assets | 1.8525% | 5,533 |
| Loan and lease loss provision to assets | 0.3265% | 515 |
| Net operating income to assets | 1.3366% | 1,195 |
| Return on assets (ROA) | 1.3366% | 1,271 |
| Pretax return on assets | 1.3366% | 2,259 |
| Return on Equity (ROE) | 10.0484% | 2,027 |
| Retained earnings to average equity (ytd only) | -5.3599% | 5,761 |
| Net charge-offs to loans | 0.1295% | 1,556 |
| Credit loss provision to net charge-offs | 963.6364% | 388 |
| Earnings coverage of net charge-offs (x) | 49.0909% | 1,007 |
| Efficiency ratio | 52.6938% | 5,405 |
| Assets per employee ($millions) | 5.4346% | 1,861 |
| Cash dividends to net income (ytd only)* | 153.3410% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 3,413 |
| Loan loss allowance to noncurrent loans | 82.2086% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 3,927 |
| Noncurrent loans to loans | 1.4494% | 1,528 |
| Net loans and leases to total assets | 26.6697% | 5,856 |
| Net loans and leases to deposits | 31.2814% | 5,866 |
| Net loans and leases to core deposits | 33.9605% | 5,847 |
| Total domestic deposits to total assets | 85.2571% | 2,753 |
| Equity capital to assets | 14.0196% | 1,016 |
| Core capital (leverage) ratio | 12.1088% | 1,555 |
| Tier 1 risk-based capital ratio | 37.0532% | 286 |
| Total risk-based capital ratio | 38.0176% | 290 |
| Memoranda: | ||
| Average total assets | $129,878,000 | 3,891 |
| Average earning assets | $122,474,000 | 3,838 |
| Average equity | $17,276,330 | 3,546 |
| Average total loans | $33,978,670 | 5,172 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5926% | 4,632 |
| Cost of funding earning assets | 0.5448% | 1,753 |
| Net interest margin | 3.0478% | 5,007 |
| Noninterest income to average assets | 0.6469% | 2,281 |
| Noninterest expense to average assets | 1.8168% | 5,634 |
| Loan and lease loss provision to assets | 0.4595% | 283 |
| Net operating income to assets | 1.2455% | 1,418 |
| Return on assets (ROA) | 1.2455% | 1,520 |
| Pretax return on assets | 1.2455% | 2,525 |
| Return on Equity (ROE) | 9.6079% | 2,155 |
| Retained earnings to average equity (ytd only) | -17.3736% | 5,935 |
| Net charge-offs to loans | 0.2581% | 807 |
| Credit loss provision to net charge-offs | 690.9091% | 488 |
| Earnings coverage of net charge-offs (x) | 25.6364% | 1,290 |
| Efficiency ratio | 51.5880% | 5,535 |
| Assets per employee ($millions) | 5.9663% | 1,424 |
| Cash dividends to net income (ytd only)* | 280.8252% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 4,462 |
| Loan loss allowance to noncurrent loans | 206.0241% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 5,064 |
| Noncurrent loans to loans | 0.4985% | 3,679 |
| Net loans and leases to total assets | 25.1099% | 5,934 |
| Net loans and leases to deposits | 29.0342% | 5,942 |
| Net loans and leases to core deposits | 31.5950% | 5,923 |
| Total domestic deposits to total assets | 86.4840% | 2,455 |
| Equity capital to assets | 12.8844% | 1,470 |
| Core capital (leverage) ratio | 11.4805% | 1,986 |
| Tier 1 risk-based capital ratio | 36.4421% | 301 |
| Total risk-based capital ratio | 37.2639% | 303 |
| Memoranda: | ||
| Average total assets | $132,319,000 | 3,874 |
| Average earning assets | $124,812,500 | 3,811 |
| Average equity | $17,152,500 | 3,560 |
| Average total loans | $34,099,000 | 5,209 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4222% | 5,113 |
| Cost of funding earning assets | 0.5867% | 1,454 |
| Net interest margin | 2.8355% | 5,452 |
| Noninterest income to average assets | 0.6754% | 2,317 |
| Noninterest expense to average assets | 1.7158% | 5,828 |
| Loan and lease loss provision to assets | 0.0918% | 2,467 |
| Net operating income to assets | 1.5502% | 785 |
| Return on assets (ROA) | 1.5588% | 794 |
| Pretax return on assets | 1.5588% | 1,379 |
| Return on Equity (ROE) | 12.5771% | 1,158 |
| Retained earnings to average equity (ytd only) | 1.9496% | 4,615 |
| Net charge-offs to loans | 0.5831% | 418 |
| Credit loss provision to net charge-offs | 61.5385% | 3,244 |
| Earnings coverage of net charge-offs (x) | 11.0096% | 2,635 |
| Efficiency ratio | 51.0997% | 5,696 |
| Assets per employee ($millions) | 6.0627% | 1,337 |
| Cash dividends to net income (ytd only)* | 84.4986% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 5,789 |
| Loan loss allowance to noncurrent loans | 64.8318% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 4,615 |
| Noncurrent loans to loans | 0.9370% | 2,462 |
| Net loans and leases to total assets | 26.0048% | 5,977 |
| Net loans and leases to deposits | 30.1436% | 5,988 |
| Net loans and leases to core deposits | 32.7647% | 5,977 |
| Total domestic deposits to total assets | 86.2700% | 2,507 |
| Equity capital to assets | 13.0403% | 1,326 |
| Core capital (leverage) ratio | 11.7878% | 1,765 |
| Tier 1 risk-based capital ratio | 37.6366% | 265 |
| Total risk-based capital ratio | 38.1382% | 280 |
| Memoranda: | ||
| Average total assets | $139,468,000 | 3,727 |
| Average earning assets | $131,934,400 | 3,661 |
| Average equity | $17,285,400 | 3,494 |
| Average total loans | $35,672,600 | 5,168 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 5,245 |
| Cost of funding earning assets | 0.5893% | 1,474 |
| Net interest margin | 2.7909% | 5,598 |
| Noninterest income to average assets | 0.6554% | 2,449 |
| Noninterest expense to average assets | 1.6823% | 5,916 |
| Loan and lease loss provision to assets | 0.1135% | 1,990 |
| Net operating income to assets | 1.5017% | 917 |
| Return on assets (ROA) | 1.5131% | 936 |
| Pretax return on assets | 1.5131% | 1,648 |
| Return on Equity (ROE) | 12.3607% | 1,283 |
| Retained earnings to average equity (ytd only) | 0.3245% | 5,516 |
| Net charge-offs to loans | 0.5873% | 380 |
| Credit loss provision to net charge-offs | 75.9494% | 2,671 |
| Earnings coverage of net charge-offs (x) | 10.8102% | 2,560 |
| Efficiency ratio | 51.0181% | 5,720 |
| Assets per employee ($millions) | 6.1614% | 1,267 |
| Cash dividends to net income (ytd only)* | 97.3749% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 5,714 |
| Loan loss allowance to noncurrent loans | 98.0695% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 4,984 |
| Noncurrent loans to loans | 0.7223% | 3,167 |
| Net loans and leases to total assets | 26.2676% | 6,061 |
| Net loans and leases to deposits | 30.4044% | 6,072 |
| Net loans and leases to core deposits | 32.9945% | 6,061 |
| Total domestic deposits to total assets | 86.3941% | 2,331 |
| Equity capital to assets | 12.8579% | 1,527 |
| Core capital (leverage) ratio | 11.4346% | 2,096 |
| Tier 1 risk-based capital ratio | 31.6632% | 453 |
| Total risk-based capital ratio | 32.1782% | 467 |
| Memoranda: | ||
| Average total assets | $140,990,250 | 3,737 |
| Average earning assets | $133,479,500 | 3,672 |
| Average equity | $17,258,500 | 3,522 |
| Average total loans | $35,866,500 | 5,219 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3811% | 5,268 |
| Cost of funding earning assets | 0.5916% | 1,477 |
| Net interest margin | 2.7895% | 5,634 |
| Noninterest income to average assets | 0.6316% | 2,575 |
| Noninterest expense to average assets | 1.6722% | 5,995 |
| Loan and lease loss provision to assets | 0.1050% | 2,078 |
| Net operating income to assets | 1.4958% | 901 |
| Return on assets (ROA) | 1.4958% | 947 |
| Pretax return on assets | 1.4958% | 1,658 |
| Return on Equity (ROE) | 12.4174% | 1,254 |
| Retained earnings to average equity (ytd only) | -3.8136% | 5,963 |
| Net charge-offs to loans | 0.6691% | 342 |
| Credit loss provision to net charge-offs | 62.5000% | 2,564 |
| Earnings coverage of net charge-offs (x) | 9.5250% | 2,444 |
| Efficiency ratio | 51.0911% | 5,794 |
| Assets per employee ($millions) | 6.3407% | 1,127 |
| Cash dividends to net income (ytd only)* | 130.7116% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6889% | 5,840 |
| Loan loss allowance to noncurrent loans | 102.4896% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 5,186 |
| Noncurrent loans to loans | 0.6722% | 3,463 |
| Net loans and leases to total assets | 25.5255% | 6,141 |
| Net loans and leases to deposits | 29.2698% | 6,152 |
| Net loans and leases to core deposits | 31.6616% | 6,140 |
| Total domestic deposits to total assets | 87.2075% | 2,055 |
| Equity capital to assets | 12.0770% | 1,968 |
| Core capital (leverage) ratio | 10.6696% | 2,772 |
| Tier 1 risk-based capital ratio | 29.8611% | 554 |
| Total risk-based capital ratio | 30.3449% | 578 |
| Memoranda: | ||
| Average total assets | $142,803,330 | 3,740 |
| Average earning assets | $135,222,000 | 3,678 |
| Average equity | $17,201,670 | 3,539 |
| Average total loans | $35,868,670 | 5,262 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3705% | 5,280 |
| Cost of funding earning assets | 0.5900% | 1,506 |
| Net interest margin | 2.7805% | 5,684 |
| Noninterest income to average assets | 0.6258% | 2,520 |
| Noninterest expense to average assets | 1.6143% | 6,099 |
| Loan and lease loss provision to assets | 0.0055% | 3,635 |
| Net operating income to assets | 1.6420% | 662 |
| Return on assets (ROA) | 1.6420% | 692 |
| Pretax return on assets | 1.6420% | 1,169 |
| Return on Equity (ROE) | 13.6487% | 949 |
| Retained earnings to average equity (ytd only) | -13.9479% | 6,213 |
| Net charge-offs to loans | 0.6021% | 404 |
| Credit loss provision to net charge-offs | 3.7037% | 2,469 |
| Earnings coverage of net charge-offs (x) | 11.0185% | 1,895 |
| Efficiency ratio | 49.4907% | 5,949 |
| Assets per employee ($millions) | 6.6135% | 1,015 |
| Cash dividends to net income (ytd only)* | 202.1922% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 5,968 |
| Loan loss allowance to noncurrent loans | 83.6237% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 5,164 |
| Noncurrent loans to loans | 0.7925% | 3,268 |
| Net loans and leases to total assets | 24.7244% | 6,200 |
| Net loans and leases to deposits | 28.2558% | 6,216 |
| Net loans and leases to core deposits | 30.4626% | 6,211 |
| Total domestic deposits to total assets | 87.5021% | 2,106 |
| Equity capital to assets | 11.8519% | 2,150 |
| Core capital (leverage) ratio | 10.4531% | 3,027 |
| Tier 1 risk-based capital ratio | 28.4874% | 622 |
| Total risk-based capital ratio | 28.9442% | 655 |
| Memoranda: | ||
| Average total assets | $144,457,000 | 3,736 |
| Average earning assets | $136,952,000 | 3,669 |
| Average equity | $17,379,000 | 3,539 |
| Average total loans | $35,876,000 | 5,302 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 5,378 |
| Cost of funding earning assets | 0.6218% | 1,596 |
| Net interest margin | 2.8550% | 5,723 |
| Noninterest income to average assets | 0.7254% | 2,190 |
| Noninterest expense to average assets | 1.7860% | 6,084 |
| Loan and lease loss provision to assets | 0.0789% | 2,905 |
| Net operating income to assets | 1.5565% | 786 |
| Return on assets (ROA) | 1.5695% | 788 |
| Pretax return on assets | 1.5695% | 1,319 |
| Return on Equity (ROE) | 12.9174% | 1,164 |
| Retained earnings to average equity (ytd only) | 2.2105% | 4,675 |
| Net charge-offs to loans | 0.5881% | 682 |
| Credit loss provision to net charge-offs | 58.6022% | 3,315 |
| Earnings coverage of net charge-offs (x) | 12.1452% | 2,413 |
| Efficiency ratio | 52.2006% | 5,964 |
| Assets per employee ($millions) | 5.9758% | 1,395 |
| Cash dividends to net income (ytd only)* | 82.8875% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 5,720 |
| Loan loss allowance to noncurrent loans | 103.1802% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 5,238 |
| Noncurrent loans to loans | 0.7963% | 3,316 |
| Net loans and leases to total assets | 24.5764% | 6,303 |
| Net loans and leases to deposits | 28.2089% | 6,317 |
| Net loans and leases to core deposits | 30.7485% | 6,300 |
| Total domestic deposits to total assets | 87.1230% | 2,211 |
| Equity capital to assets | 12.2119% | 1,848 |
| Core capital (leverage) ratio | 10.8219% | 2,592 |
| Tier 1 risk-based capital ratio | 29.6696% | 527 |
| Total risk-based capital ratio | 30.2260% | 550 |
| Memoranda: | ||
| Average total assets | $138,133,400 | 3,836 |
| Average earning assets | $130,436,200 | 3,764 |
| Average equity | $16,783,600 | 3,560 |
| Average total loans | $31,628,000 | 5,499 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4702% | 5,453 |
| Cost of funding earning assets | 0.6226% | 1,659 |
| Net interest margin | 2.8476% | 5,792 |
| Noninterest income to average assets | 0.7192% | 2,234 |
| Noninterest expense to average assets | 1.7785% | 6,119 |
| Loan and lease loss provision to assets | 0.0750% | 2,844 |
| Net operating income to assets | 1.5534% | 835 |
| Return on assets (ROA) | 1.5710% | 838 |
| Pretax return on assets | 1.5710% | 1,421 |
| Return on Equity (ROE) | 12.9467% | 1,231 |
| Retained earnings to average equity (ytd only) | 0.3052% | 5,715 |
| Net charge-offs to loans | 0.0435% | 3,633 |
| Credit loss provision to net charge-offs | 770.0000% | 403 |
| Earnings coverage of net charge-offs (x) | 167.1373% | 374 |
| Efficiency ratio | 52.2025% | 5,977 |
| Assets per employee ($millions) | 5.9512% | 1,363 |
| Cash dividends to net income (ytd only)* | 97.6425% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 3,725 |
| Loan loss allowance to noncurrent loans | 90.4564% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 4,923 |
| Noncurrent loans to loans | 1.4202% | 2,289 |
| Net loans and leases to total assets | 23.4560% | 6,398 |
| Net loans and leases to deposits | 26.8723% | 6,415 |
| Net loans and leases to core deposits | 29.1784% | 6,397 |
| Total domestic deposits to total assets | 87.2869% | 2,164 |
| Equity capital to assets | 11.9668% | 2,083 |
| Core capital (leverage) ratio | 11.3937% | 2,140 |
| Tier 1 risk-based capital ratio | 29.6383% | 548 |
| Total risk-based capital ratio | 30.4881% | 551 |
| Memoranda: | ||
| Average total assets | $136,812,250 | 3,884 |
| Average earning assets | $129,135,250 | 3,803 |
| Average equity | $16,601,000 | 3,602 |
| Average total loans | $30,650,250 | 5,592 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4815% | 5,448 |
| Cost of funding earning assets | 0.6151% | 1,768 |
| Net interest margin | 2.8664% | 5,789 |
| Noninterest income to average assets | 0.6558% | 2,510 |
| Noninterest expense to average assets | 1.8055% | 6,141 |
| Loan and lease loss provision to assets | 0.0831% | 2,644 |
| Net operating income to assets | 1.4703% | 925 |
| Return on assets (ROA) | 1.4866% | 926 |
| Pretax return on assets | 1.4866% | 1,575 |
| Return on Equity (ROE) | 12.1918% | 1,368 |
| Retained earnings to average equity (ytd only) | -3.2365% | 6,110 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7544% | 5,926 |
| Assets per employee ($millions) | 5.5019% | 1,692 |
| Cash dividends to net income (ytd only)* | 126.5469% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 3,489 |
| Loan loss allowance to noncurrent loans | 84.1584% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 4,871 |
| Noncurrent loans to loans | 1.6272% | 2,139 |
| Net loans and leases to total assets | 23.1813% | 6,468 |
| Net loans and leases to deposits | 26.8029% | 6,481 |
| Net loans and leases to core deposits | 29.0547% | 6,462 |
| Total domestic deposits to total assets | 86.4880% | 2,767 |
| Equity capital to assets | 12.8054% | 1,484 |
| Core capital (leverage) ratio | 11.1569% | 2,286 |
| Tier 1 risk-based capital ratio | 31.2294% | 475 |
| Total risk-based capital ratio | 32.1179% | 484 |
| Memoranda: | ||
| Average total assets | $134,806,670 | 3,945 |
| Average earning assets | $127,129,670 | 3,871 |
| Average equity | $16,437,330 | 3,627 |
| Average total loans | $29,554,330 | 5,677 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 5,539 |
| Cost of funding earning assets | 0.6137% | 1,867 |
| Net interest margin | 2.8346% | 5,873 |
| Noninterest income to average assets | 0.7460% | 1,965 |
| Noninterest expense to average assets | 1.7535% | 6,279 |
| Loan and lease loss provision to assets | 0.1645% | 1,478 |
| Net operating income to assets | 1.5009% | 816 |
| Return on assets (ROA) | 1.5009% | 846 |
| Pretax return on assets | 1.5009% | 1,426 |
| Return on Equity (ROE) | 12.6161% | 1,255 |
| Retained earnings to average equity (ytd only) | -14.8134% | 6,465 |
| Net charge-offs to loans | 0.0139% | 3,321 |
| Credit loss provision to net charge-offs | 5,600.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 567.0000% | 64 |
| Efficiency ratio | 51.2887% | 6,177 |
| Assets per employee ($millions) | 5.5890% | 1,622 |
| Cash dividends to net income (ytd only)* | 217.4168% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 3,404 |
| Loan loss allowance to noncurrent loans | 78.9572% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 4,778 |
| Noncurrent loans to loans | 1.8263% | 2,106 |
| Net loans and leases to total assets | 21.6040% | 6,549 |
| Net loans and leases to deposits | 24.7455% | 6,564 |
| Net loans and leases to core deposits | 26.6126% | 6,542 |
| Total domestic deposits to total assets | 87.3048% | 2,634 |
| Equity capital to assets | 12.0205% | 1,857 |
| Core capital (leverage) ratio | 10.7596% | 2,642 |
| Tier 1 risk-based capital ratio | 28.5284% | 605 |
| Total risk-based capital ratio | 29.3568% | 621 |
| Memoranda: | ||
| Average total assets | $136,187,000 | 3,955 |
| Average earning assets | $128,411,000 | 3,879 |
| Average equity | $16,201,500 | 3,666 |
| Average total loans | $28,814,000 | 5,756 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2764% | 6,034 |
| Cost of funding earning assets | 0.6811% | 1,950 |
| Net interest margin | 2.5953% | 6,268 |
| Noninterest income to average assets | 0.8450% | 1,883 |
| Noninterest expense to average assets | 1.7721% | 6,368 |
| Loan and lease loss provision to assets | 0.0472% | 4,178 |
| Net operating income to assets | 1.4677% | 881 |
| Return on assets (ROA) | 1.4786% | 908 |
| Pretax return on assets | 1.4786% | 1,513 |
| Return on Equity (ROE) | 11.7754% | 1,495 |
| Retained earnings to average equity (ytd only) | 1.0994% | 5,345 |
| Net charge-offs to loans | 0.1558% | 3,246 |
| Credit loss provision to net charge-offs | 154.7619% | 1,499 |
| Earnings coverage of net charge-offs (x) | 49.6429% | 796 |
| Efficiency ratio | 53.9125% | 6,142 |
| Assets per employee ($millions) | 5.7599% | 1,434 |
| Cash dividends to net income (ytd only)* | 90.6634% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,107 |
| Loan loss allowance to noncurrent loans | 66.0107% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 4,876 |
| Noncurrent loans to loans | 1.9805% | 2,011 |
| Net loans and leases to total assets | 20.1509% | 6,665 |
| Net loans and leases to deposits | 23.0143% | 6,680 |
| Net loans and leases to core deposits | 24.9277% | 6,662 |
| Total domestic deposits to total assets | 87.5583% | 2,446 |
| Equity capital to assets | 11.7762% | 1,964 |
| Core capital (leverage) ratio | 11.1338% | 2,253 |
| Tier 1 risk-based capital ratio | 29.2960% | 534 |
| Total risk-based capital ratio | 30.0071% | 560 |
| Memoranda: | ||
| Average total assets | $137,633,200 | 3,922 |
| Average earning assets | $129,501,200 | 3,855 |
| Average equity | $17,281,800 | 3,521 |
| Average total loans | $26,962,200 | 5,891 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2343% | 6,154 |
| Cost of funding earning assets | 0.7009% | 1,940 |
| Net interest margin | 2.5335% | 6,399 |
| Noninterest income to average assets | 0.8398% | 1,978 |
| Noninterest expense to average assets | 1.7447% | 6,417 |
| Loan and lease loss provision to assets | 0.0485% | 4,044 |
| Net operating income to assets | 1.4305% | 1,030 |
| Return on assets (ROA) | 1.4305% | 1,089 |
| Pretax return on assets | 1.4305% | 1,832 |
| Return on Equity (ROE) | 11.2170% | 1,743 |
| Retained earnings to average equity (ytd only) | -0.9658% | 6,131 |
| Net charge-offs to loans | 0.1201% | 3,350 |
| Credit loss provision to net charge-offs | 208.3333% | 1,162 |
| Earnings coverage of net charge-offs (x) | 63.5400% | 720 |
| Efficiency ratio | 54.1215% | 6,095 |
| Assets per employee ($millions) | 5.8602% | 1,337 |
| Cash dividends to net income (ytd only)* | 108.6102% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 4,008 |
| Loan loss allowance to noncurrent loans | 63.6986% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 4,976 |
| Noncurrent loans to loans | 2.1574% | 2,054 |
| Net loans and leases to total assets | 19.8080% | 6,752 |
| Net loans and leases to deposits | 22.7517% | 6,769 |
| Net loans and leases to core deposits | 24.5339% | 6,752 |
| Total domestic deposits to total assets | 87.0615% | 2,661 |
| Equity capital to assets | 12.1491% | 1,824 |
| Core capital (leverage) ratio | 11.0573% | 2,423 |
| Tier 1 risk-based capital ratio | 29.6760% | 532 |
| Total risk-based capital ratio | 30.4177% | 549 |
| Memoranda: | ||
| Average total assets | $137,482,250 | 3,964 |
| Average earning assets | $129,359,000 | 3,898 |
| Average equity | $17,532,500 | 3,525 |
| Average total loans | $26,646,500 | 5,961 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2336% | 6,188 |
| Cost of funding earning assets | 0.7172% | 1,938 |
| Net interest margin | 2.5164% | 6,432 |
| Noninterest income to average assets | 0.8845% | 1,874 |
| Noninterest expense to average assets | 1.7719% | 6,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4756% | 942 |
| Return on assets (ROA) | 1.4756% | 1,017 |
| Pretax return on assets | 1.4756% | 1,692 |
| Return on Equity (ROE) | 11.3962% | 1,686 |
| Retained earnings to average equity (ytd only) | -4.0964% | 6,403 |
| Net charge-offs to loans | -0.0453% | 6,228 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5616% | 6,098 |
| Assets per employee ($millions) | 5.9103% | 1,274 |
| Cash dividends to net income (ytd only)* | 135.9452% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 4,246 |
| Loan loss allowance to noncurrent loans | 61.5385% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 4,951 |
| Noncurrent loans to loans | 2.2003% | 2,176 |
| Net loans and leases to total assets | 18.8654% | 6,811 |
| Net loans and leases to deposits | 21.6781% | 6,822 |
| Net loans and leases to core deposits | 24.4061% | 6,807 |
| Total domestic deposits to total assets | 87.0249% | 2,806 |
| Equity capital to assets | 12.1623% | 1,800 |
| Core capital (leverage) ratio | 10.4725% | 2,919 |
| Tier 1 risk-based capital ratio | 29.4603% | 550 |
| Total risk-based capital ratio | 30.1684% | 565 |
| Memoranda: | ||
| Average total assets | $138,381,670 | 3,981 |
| Average earning assets | $129,948,670 | 3,905 |
| Average equity | $17,918,330 | 3,500 |
| Average total loans | $26,505,330 | 5,999 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2437% | 6,247 |
| Cost of funding earning assets | 0.7191% | 2,065 |
| Net interest margin | 2.5246% | 6,477 |
| Noninterest income to average assets | 0.7020% | 2,576 |
| Noninterest expense to average assets | 1.8309% | 6,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2349% | 1,421 |
| Return on assets (ROA) | 1.2349% | 1,533 |
| Pretax return on assets | 1.2349% | 2,449 |
| Return on Equity (ROE) | 9.2633% | 2,371 |
| Retained earnings to average equity (ytd only) | -15.4532% | 6,756 |
| Net charge-offs to loans | -0.0747% | 6,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7196% | 5,627 |
| Assets per employee ($millions) | 6.1193% | 1,181 |
| Cash dividends to net income (ytd only)* | 266.8213% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 4,685 |
| Loan loss allowance to noncurrent loans | 58.7940% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 3,580 |
| Noncurrent loans to loans | 2.2155% | 2,372 |
| Net loans and leases to total assets | 18.8966% | 6,873 |
| Net loans and leases to deposits | 21.8480% | 6,889 |
| Net loans and leases to core deposits | 24.3288% | 6,861 |
| Total domestic deposits to total assets | 86.4912% | 3,238 |
| Equity capital to assets | 12.8857% | 1,479 |
| Core capital (leverage) ratio | 10.3158% | 3,008 |
| Tier 1 risk-based capital ratio | 28.1998% | 631 |
| Total risk-based capital ratio | 28.8858% | 649 |
| Memoranda: | ||
| Average total assets | $139,604,000 | 3,995 |
| Average earning assets | $130,714,500 | 3,924 |
| Average equity | $18,611,000 | 3,433 |
| Average total loans | $26,759,500 | 6,035 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4744% | 6,383 |
| Cost of funding earning assets | 0.7734% | 2,882 |
| Net interest margin | 2.7010% | 6,518 |
| Noninterest income to average assets | 0.6677% | 2,890 |
| Noninterest expense to average assets | 1.7066% | 6,719 |
| Loan and lease loss provision to assets | 0.0896% | 4,576 |
| Net operating income to assets | 1.4064% | 1,091 |
| Return on assets (ROA) | 1.5898% | 850 |
| Pretax return on assets | 1.5898% | 1,415 |
| Return on Equity (ROE) | 11.8387% | 1,552 |
| Retained earnings to average equity (ytd only) | 2.2834% | 4,629 |
| Net charge-offs to loans | -0.0042% | 6,369 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2886% | 6,347 |
| Assets per employee ($millions) | 6.0201% | 1,265 |
| Cash dividends to net income (ytd only)* | 80.7120% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,623 |
| Loan loss allowance to noncurrent loans | 55.9871% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 3,600 |
| Noncurrent loans to loans | 2.3258% | 2,311 |
| Net loans and leases to total assets | 18.9408% | 6,943 |
| Net loans and leases to deposits | 22.1158% | 6,951 |
| Net loans and leases to core deposits | 24.5442% | 6,926 |
| Total domestic deposits to total assets | 85.6438% | 3,532 |
| Equity capital to assets | 13.7842% | 1,123 |
| Core capital (leverage) ratio | 10.8162% | 2,425 |
| Tier 1 risk-based capital ratio | 29.8551% | 521 |
| Total risk-based capital ratio | 30.5371% | 535 |
| Memoranda: | ||
| Average total assets | $139,575,200 | 3,959 |
| Average earning assets | $130,988,400 | 3,876 |
| Average equity | $18,743,600 | 3,369 |
| Average total loans | $23,875,600 | 6,245 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 6,493 |
| Cost of funding earning assets | 0.7789% | 3,123 |
| Net interest margin | 2.7385% | 6,593 |
| Noninterest income to average assets | 0.6492% | 3,000 |
| Noninterest expense to average assets | 1.6207% | 6,859 |
| Loan and lease loss provision to assets | 0.0238% | 5,496 |
| Net operating income to assets | 1.5788% | 899 |
| Return on assets (ROA) | 1.8133% | 614 |
| Pretax return on assets | 1.8133% | 1,006 |
| Return on Equity (ROE) | 13.5917% | 1,200 |
| Retained earnings to average equity (ytd only) | 3.0871% | 4,698 |
| Net charge-offs to loans | -0.0057% | 6,286 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2810% | 6,567 |
| Assets per employee ($millions) | 6.0926% | 1,192 |
| Cash dividends to net income (ytd only)* | 77.2869% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 6,327 |
| Loan loss allowance to noncurrent loans | 33.5150% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 1.2981% | 3,701 |
| Noncurrent loans to loans | 2.7412% | 2,066 |
| Net loans and leases to total assets | 18.9333% | 7,043 |
| Net loans and leases to deposits | 22.1991% | 7,056 |
| Net loans and leases to core deposits | 24.9110% | 7,032 |
| Total domestic deposits to total assets | 85.2886% | 3,626 |
| Equity capital to assets | 14.0228% | 1,145 |
| Core capital (leverage) ratio | 10.7843% | 2,624 |
| Tier 1 risk-based capital ratio | 30.4329% | 509 |
| Total risk-based capital ratio | 30.9270% | 540 |
| Memoranda: | ||
| Average total assets | $139,853,250 | 3,989 |
| Average earning assets | $131,455,250 | 3,904 |
| Average equity | $18,658,000 | 3,410 |
| Average total loans | $23,201,500 | 6,369 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 6,427 |
| Cost of funding earning assets | 0.7829% | 3,335 |
| Net interest margin | 2.8603% | 6,478 |
| Noninterest income to average assets | 0.6239% | 3,104 |
| Noninterest expense to average assets | 1.6027% | 6,920 |
| Loan and lease loss provision to assets | 0.0358% | 5,229 |
| Net operating income to assets | 1.6729% | 715 |
| Return on assets (ROA) | 2.0249% | 429 |
| Pretax return on assets | 2.0249% | 664 |
| Return on Equity (ROE) | 15.4414% | 859 |
| Retained earnings to average equity (ytd only) | 1.4950% | 5,454 |
| Net charge-offs to loans | -0.0727% | 6,777 |
| Credit loss provision to net charge-offs | -312.5000% | 6,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4010% | 6,750 |
| Assets per employee ($millions) | 6.3572% | 1,035 |
| Cash dividends to net income (ytd only)* | 90.3180% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 5,924 |
| Loan loss allowance to noncurrent loans | 31.5461% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 1.3492% | 3,740 |
| Noncurrent loans to loans | 3.3601% | 1,728 |
| Net loans and leases to total assets | 16.8850% | 7,123 |
| Net loans and leases to deposits | 19.6500% | 7,136 |
| Net loans and leases to core deposits | 21.8939% | 7,125 |
| Total domestic deposits to total assets | 85.9286% | 3,389 |
| Equity capital to assets | 13.4179% | 1,335 |
| Core capital (leverage) ratio | 10.5014% | 2,799 |
| Tier 1 risk-based capital ratio | 30.9568% | 481 |
| Total risk-based capital ratio | 31.4841% | 504 |
| Memoranda: | ||
| Average total assets | $139,761,330 | 4,018 |
| Average earning assets | $131,314,330 | 3,932 |
| Average equity | $18,327,330 | 3,453 |
| Average total loans | $22,009,670 | 6,464 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9436% | 5,914 |
| Cost of funding earning assets | 0.7832% | 3,601 |
| Net interest margin | 3.1604% | 5,878 |
| Noninterest income to average assets | 0.6012% | 3,228 |
| Noninterest expense to average assets | 1.5747% | 7,001 |
| Loan and lease loss provision to assets | 0.0716% | 4,506 |
| Net operating income to assets | 1.9239% | 478 |
| Return on assets (ROA) | 2.6282% | 181 |
| Pretax return on assets | 2.6282% | 279 |
| Return on Equity (ROE) | 20.2783% | 374 |
| Retained earnings to average equity (ytd only) | -1.7230% | 6,244 |
| Net charge-offs to loans | 0.0379% | 4,168 |
| Credit loss provision to net charge-offs | 1,250.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 348.5000% | 91 |
| Efficiency ratio | 44.1059% | 6,986 |
| Assets per employee ($millions) | 7.0786% | 732 |
| Cash dividends to net income (ytd only)* | 108.4967% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 5,741 |
| Loan loss allowance to noncurrent loans | 476.4706% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 4,939 |
| Noncurrent loans to loans | 0.2398% | 6,214 |
| Net loans and leases to total assets | 14.8498% | 7,201 |
| Net loans and leases to deposits | 17.1685% | 7,217 |
| Net loans and leases to core deposits | 19.1573% | 7,203 |
| Total domestic deposits to total assets | 86.4944% | 3,248 |
| Equity capital to assets | 12.7710% | 1,564 |
| Core capital (leverage) ratio | 10.4317% | 2,835 |
| Tier 1 risk-based capital ratio | 32.9633% | 394 |
| Total risk-based capital ratio | 33.5104% | 418 |
| Memoranda: | ||
| Average total assets | $139,713,000 | 4,037 |
| Average earning assets | $131,249,000 | 3,961 |
| Average equity | $18,108,000 | 3,486 |
| Average total loans | $21,080,500 | 6,556 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 6,814 |
| Cost of funding earning assets | 0.9820% | 3,496 |
| Net interest margin | 2.7467% | 6,887 |
| Noninterest income to average assets | 0.7127% | 2,534 |
| Noninterest expense to average assets | 1.7202% | 7,041 |
| Loan and lease loss provision to assets | 0.0770% | 5,649 |
| Net operating income to assets | 1.4816% | 863 |
| Return on assets (ROA) | 1.4816% | 937 |
| Pretax return on assets | 1.4816% | 1,530 |
| Return on Equity (ROE) | 11.4161% | 1,583 |
| Retained earnings to average equity (ytd only) | 2.8940% | 4,184 |
| Net charge-offs to loans | 1.1319% | 1,504 |
| Credit loss provision to net charge-offs | 43.2900% | 5,569 |
| Earnings coverage of net charge-offs (x) | 8.7662% | 2,098 |
| Efficiency ratio | 52.4648% | 6,663 |
| Assets per employee ($millions) | 6.8928% | 776 |
| Cash dividends to net income (ytd only)* | 74.6494% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 5,989 |
| Loan loss allowance to noncurrent loans | 20.0730% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 1.5320% | 3,655 |
| Noncurrent loans to loans | 5.2453% | 1,038 |
| Net loans and leases to total assets | 14.9976% | 7,261 |
| Net loans and leases to deposits | 17.4183% | 7,274 |
| Net loans and leases to core deposits | 19.3418% | 7,254 |
| Total domestic deposits to total assets | 86.1028% | 3,260 |
| Equity capital to assets | 13.1559% | 1,417 |
| Core capital (leverage) ratio | 10.8498% | 2,396 |
| Tier 1 risk-based capital ratio | 33.9163% | 366 |
| Total risk-based capital ratio | 34.4232% | 384 |
| Memoranda: | ||
| Average total assets | $129,927,200 | 4,171 |
| Average earning assets | $121,383,400 | 4,106 |
| Average equity | $16,862,200 | 3,598 |
| Average total loans | $20,409,000 | 6,642 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 6,871 |
| Cost of funding earning assets | 1.0375% | 3,409 |
| Net interest margin | 2.7361% | 6,960 |
| Noninterest income to average assets | 0.7263% | 2,442 |
| Noninterest expense to average assets | 1.7778% | 7,019 |
| Loan and lease loss provision to assets | 0.0271% | 6,102 |
| Net operating income to assets | 1.4746% | 999 |
| Return on assets (ROA) | 1.4746% | 1,081 |
| Pretax return on assets | 1.4746% | 1,724 |
| Return on Equity (ROE) | 11.4038% | 1,720 |
| Retained earnings to average equity (ytd only) | 1.6924% | 5,294 |
| Net charge-offs to loans | 0.1051% | 4,949 |
| Credit loss provision to net charge-offs | 162.5000% | 1,886 |
| Earnings coverage of net charge-offs (x) | 90.0745% | 397 |
| Efficiency ratio | 54.2104% | 6,467 |
| Assets per employee ($millions) | 6.6905% | 860 |
| Cash dividends to net income (ytd only)* | 85.1592% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 3,188 |
| Loan loss allowance to noncurrent loans | 30.7758% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 1.7405% | 3,490 |
| Noncurrent loans to loans | 5.6052% | 1,048 |
| Net loans and leases to total assets | 15.3697% | 7,337 |
| Net loans and leases to deposits | 17.9400% | 7,344 |
| Net loans and leases to core deposits | 20.2320% | 7,326 |
| Total domestic deposits to total assets | 85.6729% | 3,400 |
| Equity capital to assets | 13.5342% | 1,355 |
| Core capital (leverage) ratio | 10.9581% | 2,425 |
| Tier 1 risk-based capital ratio | 33.5400% | 403 |
| Total risk-based capital ratio | 34.3785% | 408 |
| Memoranda: | ||
| Average total assets | $127,945,250 | 4,232 |
| Average earning assets | $119,387,000 | 4,167 |
| Average equity | $16,543,750 | 3,655 |
| Average total loans | $20,287,500 | 6,706 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 6,963 |
| Cost of funding earning assets | 1.1134% | 3,140 |
| Net interest margin | 2.6439% | 7,084 |
| Noninterest income to average assets | 0.7207% | 2,436 |
| Noninterest expense to average assets | 1.8319% | 7,041 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3541% | 1,186 |
| Return on assets (ROA) | 1.3541% | 1,255 |
| Pretax return on assets | 1.3541% | 1,943 |
| Return on Equity (ROE) | 10.6481% | 1,913 |
| Retained earnings to average equity (ytd only) | -1.2483% | 6,103 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4988% | 6,229 |
| Assets per employee ($millions) | 6.5561% | 906 |
| Cash dividends to net income (ytd only)* | 111.7233% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 3,194 |
| Loan loss allowance to noncurrent loans | 24.6143% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 1.8060% | 3,500 |
| Noncurrent loans to loans | 7.0601% | 726 |
| Net loans and leases to total assets | 15.1363% | 7,413 |
| Net loans and leases to deposits | 17.5566% | 7,421 |
| Net loans and leases to core deposits | 20.3119% | 7,404 |
| Total domestic deposits to total assets | 86.2144% | 3,211 |
| Equity capital to assets | 12.9841% | 1,522 |
| Core capital (leverage) ratio | 11.1538% | 2,139 |
| Tier 1 risk-based capital ratio | 33.4588% | 403 |
| Total risk-based capital ratio | 34.2900% | 405 |
| Memoranda: | ||
| Average total assets | $125,990,670 | 4,301 |
| Average earning assets | $117,476,670 | 4,244 |
| Average equity | $16,021,670 | 3,730 |
| Average total loans | $20,074,330 | 6,778 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7358% | 7,027 |
| Cost of funding earning assets | 1.1955% | 2,844 |
| Net interest margin | 2.5404% | 7,168 |
| Noninterest income to average assets | 0.6709% | 2,726 |
| Noninterest expense to average assets | 1.7338% | 7,202 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3061% | 1,250 |
| Return on assets (ROA) | 1.3061% | 1,294 |
| Pretax return on assets | 1.3061% | 2,024 |
| Return on Equity (ROE) | 10.3866% | 1,964 |
| Retained earnings to average equity (ytd only) | -9.1753% | 6,826 |
| Net charge-offs to loans | -0.0200% | 6,571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0362% | 6,378 |
| Assets per employee ($millions) | 6.3378% | 1,014 |
| Cash dividends to net income (ytd only)* | 188.3375% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 2,990 |
| Loan loss allowance to noncurrent loans | 24.8237% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 1.8626% | 3,481 |
| Noncurrent loans to loans | 7.2808% | 732 |
| Net loans and leases to total assets | 15.0873% | 7,474 |
| Net loans and leases to deposits | 17.3511% | 7,484 |
| Net loans and leases to core deposits | 19.5666% | 7,467 |
| Total domestic deposits to total assets | 86.9529% | 2,967 |
| Equity capital to assets | 12.1880% | 1,802 |
| Core capital (leverage) ratio | 11.1278% | 2,093 |
| Tier 1 risk-based capital ratio | 32.9494% | 404 |
| Total risk-based capital ratio | 33.7853% | 406 |
| Memoranda: | ||
| Average total assets | $123,425,000 | 4,385 |
| Average earning assets | $115,102,000 | 4,322 |
| Average equity | $15,520,000 | 3,808 |
| Average total loans | $20,012,500 | 6,839 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 7,024 |
| Cost of funding earning assets | 1.3068% | 3,840 |
| Net interest margin | 2.8123% | 7,015 |
| Noninterest income to average assets | 0.7529% | 2,524 |
| Noninterest expense to average assets | 1.9179% | 7,130 |
| Loan and lease loss provision to assets | 0.1207% | 5,954 |
| Net operating income to assets | 1.3428% | 1,073 |
| Return on assets (ROA) | 1.3539% | 1,113 |
| Pretax return on assets | 1.3608% | 1,769 |
| Return on Equity (ROE) | 9.8828% | 1,975 |
| Retained earnings to average equity (ytd only) | -0.4406% | 5,696 |
| Net charge-offs to loans | 0.0640% | 6,153 |
| Credit loss provision to net charge-offs | 1,000.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 121.7857% | 210 |
| Efficiency ratio | 56.6047% | 6,511 |
| Assets per employee ($millions) | 6.0047% | 1,207 |
| Cash dividends to net income (ytd only)* | 104.4586% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 3,188 |
| Loan loss allowance to noncurrent loans | 15.5172% | 6,966 |
| Noncurrent assets plus other real estate owned to assets | 1.8835% | 3,507 |
| Noncurrent loans to loans | 11.0078% | 355 |
| Net loans and leases to total assets | 16.8185% | 7,546 |
| Net loans and leases to deposits | 19.5543% | 7,560 |
| Net loans and leases to core deposits | 22.4649% | 7,539 |
| Total domestic deposits to total assets | 86.0093% | 3,354 |
| Equity capital to assets | 12.9823% | 1,395 |
| Core capital (leverage) ratio | 11.8638% | 1,640 |
| Tier 1 risk-based capital ratio | 33.8785% | 379 |
| Total risk-based capital ratio | 34.7141% | 379 |
| Memoranda: | ||
| Average total assets | $115,957,800 | 4,576 |
| Average earning assets | $108,665,200 | 4,493 |
| Average equity | $15,886,200 | 3,790 |
| Average total loans | $21,878,200 | 6,830 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 7,073 |
| Cost of funding earning assets | 1.3289% | 4,040 |
| Net interest margin | 2.8843% | 7,029 |
| Noninterest income to average assets | 0.7703% | 2,384 |
| Noninterest expense to average assets | 1.9549% | 7,128 |
| Loan and lease loss provision to assets | 0.1102% | 5,932 |
| Net operating income to assets | 1.3200% | 1,300 |
| Return on assets (ROA) | 1.3342% | 1,346 |
| Pretax return on assets | 1.4247% | 1,809 |
| Return on Equity (ROE) | 9.6071% | 2,288 |
| Retained earnings to average equity (ytd only) | -2.3642% | 6,260 |
| Net charge-offs to loans | 0.0660% | 5,850 |
| Credit loss provision to net charge-offs | 863.6364% | 348 |
| Earnings coverage of net charge-offs (x) | 119.0607% | 269 |
| Efficiency ratio | 56.2604% | 6,520 |
| Assets per employee ($millions) | 5.9602% | 1,266 |
| Cash dividends to net income (ytd only)* | 124.6084% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 4,458 |
| Loan loss allowance to noncurrent loans | 27.2727% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 5,195 |
| Noncurrent loans to loans | 5.1325% | 1,336 |
| Net loans and leases to total assets | 18.2596% | 7,631 |
| Net loans and leases to deposits | 21.5360% | 7,654 |
| Net loans and leases to core deposits | 24.6397% | 7,633 |
| Total domestic deposits to total assets | 84.7865% | 3,731 |
| Equity capital to assets | 13.9938% | 1,165 |
| Core capital (leverage) ratio | 12.1482% | 1,585 |
| Tier 1 risk-based capital ratio | 32.2253% | 429 |
| Total risk-based capital ratio | 32.9356% | 435 |
| Memoranda: | ||
| Average total assets | $114,923,750 | 4,655 |
| Average earning assets | $107,753,750 | 4,575 |
| Average equity | $15,960,000 | 3,814 |
| Average total loans | $22,210,500 | 6,900 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 6,797 |
| Cost of funding earning assets | 1.3531% | 4,174 |
| Net interest margin | 3.0990% | 6,611 |
| Noninterest income to average assets | 0.7013% | 2,695 |
| Noninterest expense to average assets | 1.9842% | 7,140 |
| Loan and lease loss provision to assets | 0.1674% | 5,206 |
| Net operating income to assets | 1.3208% | 1,258 |
| Return on assets (ROA) | 1.3480% | 1,267 |
| Pretax return on assets | 1.4855% | 1,595 |
| Return on Equity (ROE) | 9.7330% | 2,196 |
| Retained earnings to average equity (ytd only) | -6.4632% | 6,692 |
| Net charge-offs to loans | -0.0180% | 7,268 |
| Credit loss provision to net charge-offs | -4,750.0000% | 7,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0073% | 6,764 |
| Assets per employee ($millions) | 5.6976% | 1,445 |
| Cash dividends to net income (ytd only)* | 166.4052% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 3,656 |
| Loan loss allowance to noncurrent loans | 27.4510% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0294% | 5,078 |
| Noncurrent loans to loans | 5.6590% | 1,153 |
| Net loans and leases to total assets | 17.9075% | 7,707 |
| Net loans and leases to deposits | 21.1953% | 7,721 |
| Net loans and leases to core deposits | 21.2835% | 7,721 |
| Total domestic deposits to total assets | 84.4882% | 3,879 |
| Equity capital to assets | 14.1525% | 1,118 |
| Core capital (leverage) ratio | 12.0927% | 1,597 |
| Tier 1 risk-based capital ratio | 33.7056% | 385 |
| Total risk-based capital ratio | 34.4924% | 390 |
| Memoranda: | ||
| Average total assets | $113,497,330 | 4,719 |
| Average earning assets | $106,421,330 | 4,635 |
| Average equity | $15,719,670 | 3,850 |
| Average total loans | $22,255,670 | 6,953 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 6,867 |
| Cost of funding earning assets | 1.3739% | 4,336 |
| Net interest margin | 3.0903% | 6,616 |
| Noninterest income to average assets | 0.6886% | 2,671 |
| Noninterest expense to average assets | 1.9387% | 7,270 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3749% | 1,133 |
| Return on assets (ROA) | 1.3808% | 1,197 |
| Pretax return on assets | 1.6562% | 1,148 |
| Return on Equity (ROE) | 10.0799% | 2,075 |
| Retained earnings to average equity (ytd only) | -19.7731% | 7,363 |
| Net charge-offs to loans | 0.1043% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 77.8333% | 398 |
| Efficiency ratio | 54.0354% | 6,970 |
| Assets per employee ($millions) | 5.6737% | 1,515 |
| Cash dividends to net income (ytd only)* | 296.1637% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 6,521 |
| Loan loss allowance to noncurrent loans | 18.3879% | 7,088 |
| Noncurrent assets plus other real estate owned to assets | 1.0804% | 4,987 |
| Noncurrent loans to loans | 5.3716% | 1,318 |
| Net loans and leases to total assets | 19.3465% | 7,796 |
| Net loans and leases to deposits | 22.6942% | 7,815 |
| Net loans and leases to core deposits | 22.7882% | 7,810 |
| Total domestic deposits to total assets | 85.2485% | 3,535 |
| Equity capital to assets | 13.3371% | 1,387 |
| Core capital (leverage) ratio | 11.8610% | 1,717 |
| Tier 1 risk-based capital ratio | 32.0331% | 438 |
| Total risk-based capital ratio | 32.5515% | 453 |
| Memoranda: | ||
| Average total assets | $113,270,000 | 4,790 |
| Average earning assets | $106,266,500 | 4,692 |
| Average equity | $15,516,000 | 3,916 |
| Average total loans | $23,019,500 | 6,990 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 6,330 |
| Cost of funding earning assets | 1.7548% | 4,228 |
| Net interest margin | 3.2779% | 5,828 |
| Noninterest income to average assets | 0.9958% | 1,587 |
| Noninterest expense to average assets | 2.0006% | 7,372 |
| Loan and lease loss provision to assets | 0.0301% | 7,226 |
| Net operating income to assets | 2.0481% | 208 |
| Return on assets (ROA) | 2.0745% | 212 |
| Pretax return on assets | 2.0745% | 352 |
| Return on Equity (ROE) | 15.5007% | 603 |
| Retained earnings to average equity (ytd only) | 11.9236% | 213 |
| Net charge-offs to loans | 0.1596% | 5,678 |
| Credit loss provision to net charge-offs | 89.1892% | 6,029 |
| Earnings coverage of net charge-offs (x) | 61.5946% | 441 |
| Efficiency ratio | 49.0499% | 7,585 |
| Assets per employee ($millions) | 5.6534% | 1,509 |
| Cash dividends to net income (ytd only)* | 23.0769% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 6,665 |
| Loan loss allowance to noncurrent loans | 18.1745% | 7,139 |
| Noncurrent assets plus other real estate owned to assets | 1.1259% | 4,838 |
| Noncurrent loans to loans | 5.1871% | 1,282 |
| Net loans and leases to total assets | 20.9097% | 7,856 |
| Net loans and leases to deposits | 25.2929% | 7,870 |
| Net loans and leases to core deposits | 39.8779% | 7,755 |
| Total domestic deposits to total assets | 82.6705% | 4,672 |
| Equity capital to assets | 14.0607% | 1,151 |
| Core capital (leverage) ratio | 12.5671% | 1,419 |
| Tier 1 risk-based capital ratio | 33.2427% | 401 |
| Total risk-based capital ratio | 33.7657% | 415 |
| Memoranda: | ||
| Average total assets | $109,665,200 | 4,829 |
| Average earning assets | $103,144,600 | 4,755 |
| Average equity | $14,676,800 | 4,118 |
| Average total loans | $23,175,800 | 7,017 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0343% | 6,500 |
| Cost of funding earning assets | 1.8275% | 4,243 |
| Net interest margin | 3.2069% | 5,996 |
| Noninterest income to average assets | 1.0660% | 1,394 |
| Noninterest expense to average assets | 1.9396% | 7,481 |
| Loan and lease loss provision to assets | 0.0355% | 7,000 |
| Net operating income to assets | 2.1075% | 231 |
| Return on assets (ROA) | 2.1345% | 239 |
| Pretax return on assets | 2.1345% | 411 |
| Return on Equity (ROE) | 16.1612% | 630 |
| Retained earnings to average equity (ytd only) | 12.8678% | 270 |
| Net charge-offs to loans | 0.2029% | 4,776 |
| Credit loss provision to net charge-offs | 82.8571% | 5,685 |
| Earnings coverage of net charge-offs (x) | 49.9666% | 637 |
| Efficiency ratio | 47.5090% | 7,685 |
| Assets per employee ($millions) | 5.5714% | 1,543 |
| Cash dividends to net income (ytd only)* | 20.3788% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 6,594 |
| Loan loss allowance to noncurrent loans | 17.5729% | 7,218 |
| Noncurrent assets plus other real estate owned to assets | 1.1703% | 4,733 |
| Noncurrent loans to loans | 5.3470% | 1,191 |
| Net loans and leases to total assets | 21.0990% | 7,942 |
| Net loans and leases to deposits | 25.1213% | 7,955 |
| Net loans and leases to core deposits | 42.0091% | 7,827 |
| Total domestic deposits to total assets | 83.9886% | 3,728 |
| Equity capital to assets | 14.1797% | 1,244 |
| Core capital (leverage) ratio | 12.7823% | 1,454 |
| Tier 1 risk-based capital ratio | 26.7023% | 774 |
| Total risk-based capital ratio | 27.1296% | 809 |
| Memoranda: | ||
| Average total assets | $108,814,750 | 4,887 |
| Average earning assets | $102,361,500 | 4,810 |
| Average equity | $14,371,500 | 4,215 |
| Average total loans | $23,003,000 | 7,088 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1771% | 6,156 |
| Cost of funding earning assets | 1.9037% | 4,243 |
| Net interest margin | 3.2733% | 5,644 |
| Noninterest income to average assets | 0.9690% | 1,693 |
| Noninterest expense to average assets | 1.8584% | 7,674 |
| Loan and lease loss provision to assets | 0.0019% | 7,148 |
| Net operating income to assets | 2.1863% | 200 |
| Return on assets (ROA) | 2.2271% | 203 |
| Pretax return on assets | 2.2271% | 339 |
| Return on Equity (ROE) | 17.3008% | 556 |
| Retained earnings to average equity (ytd only) | 16.1493% | 155 |
| Net charge-offs to loans | 0.2285% | 4,070 |
| Credit loss provision to net charge-offs | 3.8462% | 6,226 |
| Earnings coverage of net charge-offs (x) | 45.4231% | 738 |
| Efficiency ratio | 45.9249% | 7,855 |
| Assets per employee ($millions) | 5.3969% | 1,671 |
| Cash dividends to net income (ytd only)* | 6.6556% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 6,846 |
| Loan loss allowance to noncurrent loans | 15.6682% | 7,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2933% | 4,357 |
| Noncurrent loans to loans | 5.6237% | 1,018 |
| Net loans and leases to total assets | 21.2604% | 8,024 |
| Net loans and leases to deposits | 25.1493% | 8,034 |
| Net loans and leases to core deposits | 41.6994% | 7,911 |
| Total domestic deposits to total assets | 84.5365% | 3,482 |
| Equity capital to assets | 13.4605% | 1,509 |
| Core capital (leverage) ratio | 12.3243% | 1,685 |
| Tier 1 risk-based capital ratio | 32.7866% | 474 |
| Total risk-based capital ratio | 33.2758% | 488 |
| Memoranda: | ||
| Average total assets | $107,944,000 | 4,940 |
| Average earning assets | $101,486,330 | 4,857 |
| Average equity | $13,895,330 | 4,330 |
| Average total loans | $22,759,670 | 7,161 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1655% | 6,426 |
| Cost of funding earning assets | 1.8888% | 4,692 |
| Net interest margin | 3.2767% | 5,588 |
| Noninterest income to average assets | 0.7745% | 2,456 |
| Noninterest expense to average assets | 1.7898% | 7,712 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0276% | 335 |
| Return on assets (ROA) | 1.8787% | 505 |
| Pretax return on assets | 1.9120% | 777 |
| Return on Equity (ROE) | 14.9354% | 987 |
| Retained earnings to average equity (ytd only) | 14.9354% | 422 |
| Net charge-offs to loans | 0.0177% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 557.0000% | 43 |
| Efficiency ratio | 46.4423% | 7,822 |
| Assets per employee ($millions) | 5.6417% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 6,139 |
| Loan loss allowance to noncurrent loans | 17.3648% | 7,295 |
| Noncurrent assets plus other real estate owned to assets | 1.2470% | 4,190 |
| Noncurrent loans to loans | 5.7875% | 849 |
| Net loans and leases to total assets | 19.9046% | 8,084 |
| Net loans and leases to deposits | 23.2707% | 8,114 |
| Net loans and leases to core deposits | 37.0653% | 8,017 |
| Total domestic deposits to total assets | 85.5353% | 2,949 |
| Equity capital to assets | 12.5327% | 1,956 |
| Core capital (leverage) ratio | 11.8945% | 1,944 |
| Tier 1 risk-based capital ratio | 30.9283% | 583 |
| Total risk-based capital ratio | 31.4642% | 601 |
| Memoranda: | ||
| Average total assets | $107,947,000 | 4,956 |
| Average earning assets | $101,442,000 | 4,877 |
| Average equity | $13,578,500 | 4,427 |
| Average total loans | $22,563,500 | 7,212 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 7,514 |
| Cost of funding earning assets | 2.3815% | 4,804 |
| Net interest margin | 2.9831% | 6,958 |
| Noninterest income to average assets | 0.8026% | 2,502 |
| Noninterest expense to average assets | 1.8238% | 7,723 |
| Loan and lease loss provision to assets | 0.0897% | 6,259 |
| Net operating income to assets | 1.6745% | 710 |
| Return on assets (ROA) | 0.3043% | 5,347 |
| Pretax return on assets | 0.3043% | 5,503 |
| Return on Equity (ROE) | 2.4108% | 5,455 |
| Retained earnings to average equity (ytd only) | -3.9871% | 6,322 |
| Net charge-offs to loans | 0.1500% | 4,705 |
| Credit loss provision to net charge-offs | 262.8571% | 1,763 |
| Earnings coverage of net charge-offs (x) | 51.6857% | 744 |
| Efficiency ratio | 50.8290% | 7,601 |
| Assets per employee ($millions) | 5.1531% | 1,779 |
| Cash dividends to net income (ytd only)* | 265.3846% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 5,847 |
| Loan loss allowance to noncurrent loans | 14.9771% | 7,391 |
| Noncurrent assets plus other real estate owned to assets | 1.7504% | 2,795 |
| Noncurrent loans to loans | 6.8137% | 460 |
| Net loans and leases to total assets | 21.5513% | 8,133 |
| Net loans and leases to deposits | 25.3429% | 8,162 |
| Net loans and leases to core deposits | 37.3256% | 8,087 |
| Total domestic deposits to total assets | 85.0390% | 2,825 |
| Equity capital to assets | 12.6294% | 1,954 |
| Core capital (leverage) ratio | 12.8114% | 1,617 |
| Tier 1 risk-based capital ratio | 30.4794% | 614 |
| Total risk-based capital ratio | 31.0303% | 632 |
| Memoranda: | ||
| Average total assets | $102,535,600 | 4,975 |
| Average earning assets | $95,739,200 | 4,929 |
| Average equity | $12,941,600 | 4,596 |
| Average total loans | $23,331,000 | 7,120 |