Home > The First National Bank of Jeanerette > Performance and Condition Ratios
The First National Bank of Jeanerette, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5324% | 670 |
| Cost of funding earning assets | 1.7343% | 2,884 |
| Net interest margin | 4.7980% | 443 |
| Noninterest income to average assets | 0.5600% | 1,666 |
| Noninterest expense to average assets | 2.5857% | 2,062 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 2.2452% | 284 |
| Return on assets (ROA) | 2.2452% | 287 |
| Pretax return on assets | 2.2452% | 416 |
| Return on Equity (ROE) | 24.0800% | 210 |
| Retained earnings to average equity (ytd only) | 12.1954% | 280 |
| Net charge-offs to loans | 0.0985% | 1,187 |
| Credit loss provision to net charge-offs | 185.1852% | 1,206 |
| Earnings coverage of net charge-offs (x) | 31.4259% | 1,505 |
| Efficiency ratio | 51.6957% | 3,897 |
| Assets per employee ($millions) | 5.5790% | 3,224 |
| Cash dividends to net income (ytd only)* | 49.3614% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 889 |
| Loan loss allowance to noncurrent loans | 487.5836% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 1,160 |
| Noncurrent loans to loans | 0.3176% | 2,318 |
| Net loans and leases to total assets | 79.5000% | 723 |
| Net loans and leases to deposits | 88.1837% | 1,381 |
| Net loans and leases to core deposits | 101.7954% | 1,342 |
| Total domestic deposits to total assets | 90.1500% | 777 |
| Equity capital to assets | 9.3020% | 2,594 |
| Core capital (leverage) ratio | 9.9269% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6080% | 2,009 |
| Memoranda: | ||
| Average total assets | $491,674,800 | 1,790 |
| Average earning assets | $454,810,400 | 1,783 |
| Average equity | $45,837,000 | 1,818 |
| Average total loans | $383,926,000 | 1,587 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4500% | 732 |
| Cost of funding earning assets | 1.7107% | 2,934 |
| Net interest margin | 4.7393% | 470 |
| Noninterest income to average assets | 0.5600% | 1,638 |
| Noninterest expense to average assets | 2.5106% | 2,219 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 2.2676% | 302 |
| Return on assets (ROA) | 2.2676% | 306 |
| Pretax return on assets | 2.2676% | 446 |
| Return on Equity (ROE) | 24.3100% | 219 |
| Retained earnings to average equity (ytd only) | 13.6461% | 330 |
| Net charge-offs to loans | 0.0314% | 1,696 |
| Credit loss provision to net charge-offs | 715.9091% | 499 |
| Earnings coverage of net charge-offs (x) | 100.6023% | 788 |
| Efficiency ratio | 50.6989% | 3,948 |
| Assets per employee ($millions) | 5.3911% | 3,367 |
| Cash dividends to net income (ytd only)* | 43.8648% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 704 |
| Loan loss allowance to noncurrent loans | 209.3605% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 935 |
| Noncurrent loans to loans | 0.7966% | 1,250 |
| Net loans and leases to total assets | 79.7000% | 669 |
| Net loans and leases to deposits | 92.8324% | 969 |
| Net loans and leases to core deposits | 107.3371% | 1,059 |
| Total domestic deposits to total assets | 85.8500% | 1,988 |
| Equity capital to assets | 9.6190% | 2,564 |
| Core capital (leverage) ratio | 10.4316% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8733% | 1,951 |
| Memoranda: | ||
| Average total assets | $483,487,250 | 1,803 |
| Average earning assets | $447,845,500 | 1,802 |
| Average equity | $45,100,750 | 1,839 |
| Average total loans | $374,041,750 | 1,605 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3948% | 714 |
| Cost of funding earning assets | 1.6725% | 2,921 |
| Net interest margin | 4.7223% | 469 |
| Noninterest income to average assets | 0.6600% | 1,224 |
| Noninterest expense to average assets | 2.4824% | 2,293 |
| Loan and lease loss provision to assets | 0.1800% | 618 |
| Net operating income to assets | 2.3798% | 271 |
| Return on assets (ROA) | 2.3798% | 269 |
| Pretax return on assets | 2.3798% | 386 |
| Return on Equity (ROE) | 25.7900% | 202 |
| Retained earnings to average equity (ytd only) | 15.1117% | 280 |
| Net charge-offs to loans | 0.0435% | 1,359 |
| Credit loss provision to net charge-offs | 531.6456% | 605 |
| Earnings coverage of net charge-offs (x) | 77.2405% | 896 |
| Efficiency ratio | 49.2726% | 4,054 |
| Assets per employee ($millions) | 5.1076% | 3,544 |
| Cash dividends to net income (ytd only)* | 41.4115% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 603 |
| Loan loss allowance to noncurrent loans | 267.4664% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 1,030 |
| Noncurrent loans to loans | 0.6540% | 1,411 |
| Net loans and leases to total assets | 80.3700% | 631 |
| Net loans and leases to deposits | 92.4868% | 1,076 |
| Net loans and leases to core deposits | 102.7547% | 1,317 |
| Total domestic deposits to total assets | 86.8900% | 1,689 |
| Equity capital to assets | 9.9587% | 2,100 |
| Core capital (leverage) ratio | 10.3515% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7273% | 1,611 |
| Memoranda: | ||
| Average total assets | $477,525,000 | 1,816 |
| Average earning assets | $442,797,000 | 1,808 |
| Average equity | $44,058,667 | 1,847 |
| Average total loans | $363,268,000 | 1,630 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2524% | 794 |
| Cost of funding earning assets | 1.6454% | 2,875 |
| Net interest margin | 4.6071% | 522 |
| Noninterest income to average assets | 0.9500% | 606 |
| Noninterest expense to average assets | 2.3106% | 2,767 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 2.7407% | 203 |
| Return on assets (ROA) | 2.7407% | 203 |
| Pretax return on assets | 2.7407% | 277 |
| Return on Equity (ROE) | 30.8600% | 126 |
| Retained earnings to average equity (ytd only) | 18.3710% | 256 |
| Net charge-offs to loans | 0.0045% | 1,969 |
| Credit loss provision to net charge-offs | 5,250.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 885.7500% | 112 |
| Efficiency ratio | 44.2311% | 4,230 |
| Assets per employee ($millions) | 5.8411% | 2,960 |
| Cash dividends to net income (ytd only)* | 40.4740% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 629 |
| Loan loss allowance to noncurrent loans | 609.4607% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 1,801 |
| Noncurrent loans to loans | 0.2828% | 2,309 |
| Net loans and leases to total assets | 74.8700% | 1,225 |
| Net loans and leases to deposits | 88.9459% | 1,277 |
| Net loans and leases to core deposits | 98.3622% | 1,498 |
| Total domestic deposits to total assets | 84.1800% | 2,658 |
| Equity capital to assets | 9.0098% | 2,671 |
| Core capital (leverage) ratio | 9.8111% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4536% | 1,719 |
| Memoranda: | ||
| Average total assets | $486,444,000 | 1,798 |
| Average earning assets | $450,960,000 | 1,792 |
| Average equity | $43,198,500 | 1,862 |
| Average total loans | $356,896,500 | 1,646 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5034% | 1,153 |
| Cost of funding earning assets | 1.1713% | 2,883 |
| Net interest margin | 4.3321% | 770 |
| Noninterest income to average assets | 1.2800% | 464 |
| Noninterest expense to average assets | 2.7323% | 1,660 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 2.4054% | 266 |
| Return on assets (ROA) | 2.3370% | 279 |
| Pretax return on assets | 2.3370% | 409 |
| Return on Equity (ROE) | 27.7300% | 224 |
| Retained earnings to average equity (ytd only) | 16.7439% | 231 |
| Net charge-offs to loans | 0.0995% | 911 |
| Credit loss provision to net charge-offs | 175.7188% | 1,331 |
| Earnings coverage of net charge-offs (x) | 36.2620% | 1,507 |
| Efficiency ratio | 51.9434% | 3,838 |
| Assets per employee ($millions) | 5.7409% | 3,031 |
| Cash dividends to net income (ytd only)* | 39.6074% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 506 |
| Loan loss allowance to noncurrent loans | 729.2398% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 1,786 |
| Noncurrent loans to loans | 0.2515% | 2,295 |
| Net loans and leases to total assets | 69.2100% | 1,899 |
| Net loans and leases to deposits | 81.9961% | 1,946 |
| Net loans and leases to core deposits | 89.9406% | 2,051 |
| Total domestic deposits to total assets | 84.4000% | 2,502 |
| Equity capital to assets | 8.7488% | 2,862 |
| Core capital (leverage) ratio | 9.6861% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8572% | 1,574 |
| Memoranda: | ||
| Average total assets | $448,998,000 | 1,864 |
| Average earning assets | $412,015,200 | 1,869 |
| Average equity | $37,846,600 | 1,948 |
| Average total loans | $314,606,600 | 1,743 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3410% | 1,227 |
| Cost of funding earning assets | 1.0305% | 2,948 |
| Net interest margin | 4.3105% | 795 |
| Noninterest income to average assets | 1.4800% | 392 |
| Noninterest expense to average assets | 2.6842% | 1,715 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 2.6521% | 232 |
| Return on assets (ROA) | 2.5593% | 248 |
| Pretax return on assets | 2.5593% | 357 |
| Return on Equity (ROE) | 30.6800% | 211 |
| Retained earnings to average equity (ytd only) | 21.9468% | 194 |
| Net charge-offs to loans | 0.1263% | 639 |
| Credit loss provision to net charge-offs | 116.4384% | 1,504 |
| Earnings coverage of net charge-offs (x) | 31.1849% | 1,574 |
| Efficiency ratio | 49.3492% | 3,959 |
| Assets per employee ($millions) | 5.7647% | 2,957 |
| Cash dividends to net income (ytd only)* | 28.4667% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 577 |
| Loan loss allowance to noncurrent loans | 815.9244% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 1,895 |
| Noncurrent loans to loans | 0.2193% | 2,475 |
| Net loans and leases to total assets | 71.9600% | 1,578 |
| Net loans and leases to deposits | 85.5180% | 1,614 |
| Net loans and leases to core deposits | 94.3596% | 1,654 |
| Total domestic deposits to total assets | 84.1500% | 2,732 |
| Equity capital to assets | 8.7361% | 2,581 |
| Core capital (leverage) ratio | 9.9787% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8202% | 1,624 |
| Memoranda: | ||
| Average total assets | $440,688,750 | 1,888 |
| Average earning assets | $404,704,500 | 1,893 |
| Average equity | $36,760,750 | 1,977 |
| Average total loans | $308,262,750 | 1,762 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 1,291 |
| Cost of funding earning assets | 0.8494% | 3,073 |
| Net interest margin | 4.2980% | 808 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.4644% | 2,306 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.9186% | 544 |
| Return on assets (ROA) | 1.7771% | 682 |
| Pretax return on assets | 1.7771% | 1,057 |
| Return on Equity (ROE) | 21.6700% | 567 |
| Retained earnings to average equity (ytd only) | 13.0449% | 802 |
| Net charge-offs to loans | 0.1649% | 475 |
| Credit loss provision to net charge-offs | 60.9756% | 1,622 |
| Earnings coverage of net charge-offs (x) | 17.5285% | 1,796 |
| Efficiency ratio | 55.3531% | 3,494 |
| Assets per employee ($millions) | 5.5382% | 3,115 |
| Cash dividends to net income (ytd only)* | 39.7925% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8460% | 549 |
| Loan loss allowance to noncurrent loans | 912.2102% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 2,227 |
| Noncurrent loans to loans | 0.2024% | 2,456 |
| Net loans and leases to total assets | 69.1000% | 1,838 |
| Net loans and leases to deposits | 81.4935% | 1,872 |
| Net loans and leases to core deposits | 88.7775% | 1,876 |
| Total domestic deposits to total assets | 84.8000% | 2,597 |
| Equity capital to assets | 8.1351% | 3,129 |
| Core capital (leverage) ratio | 9.5764% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0194% | 1,891 |
| Memoranda: | ||
| Average total assets | $433,859,333 | 1,903 |
| Average earning assets | $396,049,000 | 1,922 |
| Average equity | $35,584,667 | 2,037 |
| Average total loans | $298,376,667 | 1,787 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9620% | 1,299 |
| Cost of funding earning assets | 0.6081% | 3,357 |
| Net interest margin | 4.3539% | 743 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.4384% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0240% | 471 |
| Return on assets (ROA) | 1.7341% | 764 |
| Pretax return on assets | 1.7341% | 1,207 |
| Return on Equity (ROE) | 21.0500% | 658 |
| Retained earnings to average equity (ytd only) | 12.8234% | 1,121 |
| Net charge-offs to loans | 0.3281% | 241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 9.0847% | 1,699 |
| Efficiency ratio | 54.6435% | 3,540 |
| Assets per employee ($millions) | 5.4995% | 3,225 |
| Cash dividends to net income (ytd only)* | 39.0855% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9660% | 470 |
| Loan loss allowance to noncurrent loans | 814.9929% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 2,000 |
| Noncurrent loans to loans | 0.2412% | 2,292 |
| Net loans and leases to total assets | 68.7400% | 1,762 |
| Net loans and leases to deposits | 75.5527% | 2,158 |
| Net loans and leases to core deposits | 80.5600% | 2,211 |
| Total domestic deposits to total assets | 90.9900% | 804 |
| Equity capital to assets | 8.6247% | 2,804 |
| Core capital (leverage) ratio | 9.5362% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6776% | 1,735 |
| Memoranda: | ||
| Average total assets | $423,723,500 | 1,964 |
| Average earning assets | $387,424,000 | 1,978 |
| Average equity | $34,905,000 | 2,082 |
| Average total loans | $287,706,000 | 1,849 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 1,663 |
| Cost of funding earning assets | 0.2303% | 3,514 |
| Net interest margin | 3.7900% | 1,180 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.3916% | 2,447 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4444% | 1,021 |
| Return on assets (ROA) | 1.4444% | 980 |
| Pretax return on assets | 1.4444% | 1,639 |
| Return on Equity (ROE) | 18.9700% | 573 |
| Retained earnings to average equity (ytd only) | 12.4139% | 603 |
| Net charge-offs to loans | 0.1994% | 412 |
| Credit loss provision to net charge-offs | 67.1785% | 1,737 |
| Earnings coverage of net charge-offs (x) | 12.7486% | 2,097 |
| Efficiency ratio | 61.0668% | 2,901 |
| Assets per employee ($millions) | 5.5777% | 3,145 |
| Cash dividends to net income (ytd only)* | 34.5518% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1241% | 345 |
| Loan loss allowance to noncurrent loans | 1,125.1407% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 2,300 |
| Noncurrent loans to loans | 0.1888% | 2,542 |
| Net loans and leases to total assets | 64.3400% | 2,217 |
| Net loans and leases to deposits | 70.8600% | 2,506 |
| Net loans and leases to core deposits | 75.2442% | 2,483 |
| Total domestic deposits to total assets | 90.8000% | 1,023 |
| Equity capital to assets | 7.8611% | 3,145 |
| Core capital (leverage) ratio | 9.0750% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0024% | 1,628 |
| Memoranda: | ||
| Average total assets | $435,604,600 | 1,904 |
| Average earning assets | $404,252,800 | 1,900 |
| Average equity | $33,172,600 | 2,192 |
| Average total loans | $261,343,000 | 1,891 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 1,710 |
| Cost of funding earning assets | 0.1891% | 3,404 |
| Net interest margin | 3.6265% | 1,330 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.3083% | 2,608 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.3698% | 1,173 |
| Return on assets (ROA) | 1.3698% | 1,141 |
| Pretax return on assets | 1.3698% | 1,816 |
| Return on Equity (ROE) | 18.1300% | 629 |
| Retained earnings to average equity (ytd only) | 11.1104% | 1,026 |
| Net charge-offs to loans | 0.0630% | 859 |
| Credit loss provision to net charge-offs | 289.2562% | 828 |
| Earnings coverage of net charge-offs (x) | 40.0083% | 1,389 |
| Efficiency ratio | 60.9880% | 2,978 |
| Assets per employee ($millions) | 5.6209% | 3,109 |
| Cash dividends to net income (ytd only)* | 38.7219% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2776% | 308 |
| Loan loss allowance to noncurrent loans | 339.1835% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 990 |
| Noncurrent loans to loans | 0.6715% | 1,213 |
| Net loans and leases to total assets | 63.4100% | 2,151 |
| Net loans and leases to deposits | 68.8221% | 2,472 |
| Net loans and leases to core deposits | 73.1067% | 2,416 |
| Total domestic deposits to total assets | 92.1400% | 837 |
| Equity capital to assets | 7.2662% | 3,364 |
| Core capital (leverage) ratio | 8.4871% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2713% | 1,951 |
| Memoranda: | ||
| Average total assets | $437,134,750 | 1,907 |
| Average earning assets | $407,616,500 | 1,900 |
| Average equity | $33,025,250 | 2,228 |
| Average total loans | $256,095,750 | 1,915 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5072% | 2,120 |
| Cost of funding earning assets | 0.1593% | 3,457 |
| Net interest margin | 3.3479% | 1,769 |
| Noninterest income to average assets | 0.3881% | 2,827 |
| Noninterest expense to average assets | 2.2797% | 2,608 |
| Loan and lease loss provision to assets | 0.1596% | 585 |
| Net operating income to assets | 1.0826% | 1,847 |
| Return on assets (ROA) | 1.0826% | 1,825 |
| Pretax return on assets | 1.0826% | 2,474 |
| Return on Equity (ROE) | 14.1517% | 1,076 |
| Retained earnings to average equity (ytd only) | 8.7569% | 1,358 |
| Net charge-offs to loans | 0.0476% | 922 |
| Credit loss provision to net charge-offs | 593.2203% | 577 |
| Earnings coverage of net charge-offs (x) | 46.1695% | 1,194 |
| Efficiency ratio | 64.7287% | 2,676 |
| Assets per employee ($millions) | 5.3287% | 3,403 |
| Cash dividends to net income (ytd only)* | 38.1213% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4758% | 268 |
| Loan loss allowance to noncurrent loans | 346.1415% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 1,066 |
| Noncurrent loans to loans | 0.7153% | 1,208 |
| Net loans and leases to total assets | 57.5253% | 2,579 |
| Net loans and leases to deposits | 62.3911% | 2,859 |
| Net loans and leases to core deposits | 66.3795% | 2,787 |
| Total domestic deposits to total assets | 92.2011% | 759 |
| Equity capital to assets | 7.4018% | 3,531 |
| Core capital (leverage) ratio | 8.2433% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8094% | 1,759 |
| Memoranda: | ||
| Average total assets | $438,576,000 | 1,907 |
| Average earning assets | $410,529,333 | 1,913 |
| Average equity | $33,550,667 | 2,255 |
| Average total loans | $247,840,000 | 1,950 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2448% | 2,550 |
| Cost of funding earning assets | 0.1653% | 3,294 |
| Net interest margin | 3.0795% | 2,238 |
| Noninterest income to average assets | 0.4021% | 2,677 |
| Noninterest expense to average assets | 2.1570% | 2,952 |
| Loan and lease loss provision to assets | 0.1923% | 385 |
| Net operating income to assets | 0.9370% | 2,123 |
| Return on assets (ROA) | 0.9370% | 2,115 |
| Pretax return on assets | 0.9370% | 2,645 |
| Return on Equity (ROE) | 12.0504% | 1,301 |
| Retained earnings to average equity (ytd only) | 6.3962% | 2,109 |
| Net charge-offs to loans | 0.0033% | 1,662 |
| Credit loss provision to net charge-offs | 10,500.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 616.5000% | 163 |
| Efficiency ratio | 65.6355% | 2,811 |
| Assets per employee ($millions) | 5.8590% | 2,935 |
| Cash dividends to net income (ytd only)* | 46.9208% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6007% | 259 |
| Loan loss allowance to noncurrent loans | 206.0763% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 805 |
| Noncurrent loans to loans | 1.2620% | 696 |
| Net loans and leases to total assets | 54.3422% | 2,710 |
| Net loans and leases to deposits | 59.2477% | 2,974 |
| Net loans and leases to core deposits | 63.1066% | 2,878 |
| Total domestic deposits to total assets | 91.7203% | 689 |
| Equity capital to assets | 7.5303% | 3,910 |
| Core capital (leverage) ratio | 8.1336% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6604% | 1,353 |
| Memoranda: | ||
| Average total assets | $436,723,000 | 1,923 |
| Average earning assets | $409,021,000 | 1,919 |
| Average equity | $33,957,500 | 2,286 |
| Average total loans | $241,318,500 | 1,983 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 1,931 |
| Cost of funding earning assets | 0.2191% | 3,269 |
| Net interest margin | 3.5548% | 1,588 |
| Noninterest income to average assets | 0.4499% | 2,818 |
| Noninterest expense to average assets | 2.3708% | 2,584 |
| Loan and lease loss provision to assets | 0.2182% | 470 |
| Net operating income to assets | 1.1480% | 2,117 |
| Return on assets (ROA) | 1.1480% | 2,170 |
| Pretax return on assets | 1.1480% | 2,824 |
| Return on Equity (ROE) | 13.1044% | 1,428 |
| Retained earnings to average equity (ytd only) | 8.1017% | 1,497 |
| Net charge-offs to loans | 0.0333% | 1,569 |
| Credit loss provision to net charge-offs | 1,090.9091% | 501 |
| Earnings coverage of net charge-offs (x) | 68.2987% | 1,095 |
| Efficiency ratio | 63.4411% | 2,652 |
| Assets per employee ($millions) | 5.7869% | 2,971 |
| Cash dividends to net income (ytd only)* | 38.1761% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5978% | 245 |
| Loan loss allowance to noncurrent loans | 195.0364% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 776 |
| Noncurrent loans to loans | 1.3320% | 703 |
| Net loans and leases to total assets | 53.2921% | 2,935 |
| Net loans and leases to deposits | 58.4007% | 3,216 |
| Net loans and leases to core deposits | 62.8515% | 3,088 |
| Total domestic deposits to total assets | 91.2525% | 400 |
| Equity capital to assets | 8.0238% | 4,352 |
| Core capital (leverage) ratio | 8.3263% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6877% | 1,342 |
| Memoranda: | ||
| Average total assets | $384,932,000 | 2,043 |
| Average earning assets | $355,941,000 | 2,059 |
| Average equity | $33,721,400 | 2,342 |
| Average total loans | $231,566,600 | 2,043 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 1,896 |
| Cost of funding earning assets | 0.2319% | 3,305 |
| Net interest margin | 3.6248% | 1,537 |
| Noninterest income to average assets | 0.4572% | 2,808 |
| Noninterest expense to average assets | 2.4154% | 2,393 |
| Loan and lease loss provision to assets | 0.2254% | 434 |
| Net operating income to assets | 1.1549% | 2,346 |
| Return on assets (ROA) | 1.1549% | 2,405 |
| Pretax return on assets | 1.1549% | 3,064 |
| Return on Equity (ROE) | 12.8684% | 1,736 |
| Retained earnings to average equity (ytd only) | 7.7697% | 2,129 |
| Net charge-offs to loans | -0.0539% | 4,391 |
| Credit loss provision to net charge-offs | -677.4194% | 3,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6346% | 2,445 |
| Assets per employee ($millions) | 5.4091% | 3,301 |
| Cash dividends to net income (ytd only)* | 39.6221% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5505% | 268 |
| Loan loss allowance to noncurrent loans | 195.6897% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 848 |
| Noncurrent loans to loans | 1.3034% | 825 |
| Net loans and leases to total assets | 57.7234% | 2,533 |
| Net loans and leases to deposits | 63.7526% | 2,878 |
| Net loans and leases to core deposits | 68.8636% | 2,698 |
| Total domestic deposits to total assets | 90.5429% | 538 |
| Equity capital to assets | 8.4679% | 4,236 |
| Core capital (leverage) ratio | 8.7287% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7228% | 1,715 |
| Memoranda: | ||
| Average total assets | $372,659,750 | 2,119 |
| Average earning assets | $343,222,000 | 2,134 |
| Average equity | $33,445,500 | 2,391 |
| Average total loans | $230,091,250 | 2,088 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 1,712 |
| Cost of funding earning assets | 0.2455% | 3,321 |
| Net interest margin | 3.6938% | 1,366 |
| Noninterest income to average assets | 0.4618% | 2,795 |
| Noninterest expense to average assets | 2.4925% | 2,169 |
| Loan and lease loss provision to assets | 0.2323% | 441 |
| Net operating income to assets | 1.1315% | 2,428 |
| Return on assets (ROA) | 1.1315% | 2,495 |
| Pretax return on assets | 1.1315% | 3,110 |
| Return on Equity (ROE) | 12.3465% | 1,934 |
| Retained earnings to average equity (ytd only) | 7.5612% | 2,227 |
| Net charge-offs to loans | 0.0203% | 1,532 |
| Credit loss provision to net charge-offs | 1,826.0870% | 311 |
| Earnings coverage of net charge-offs (x) | 107.2174% | 719 |
| Efficiency ratio | 64.6350% | 2,343 |
| Assets per employee ($millions) | 5.0365% | 3,635 |
| Cash dividends to net income (ytd only)* | 38.7586% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4776% | 285 |
| Loan loss allowance to noncurrent loans | 136.4128% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.1863% | 582 |
| Noncurrent loans to loans | 1.8163% | 567 |
| Net loans and leases to total assets | 60.4681% | 2,368 |
| Net loans and leases to deposits | 67.1471% | 2,704 |
| Net loans and leases to core deposits | 73.1217% | 2,507 |
| Total domestic deposits to total assets | 90.0532% | 747 |
| Equity capital to assets | 8.8773% | 3,913 |
| Core capital (leverage) ratio | 9.0015% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1966% | 1,904 |
| Memoranda: | ||
| Average total assets | $361,652,000 | 2,151 |
| Average earning assets | $332,344,000 | 2,180 |
| Average equity | $33,143,000 | 2,397 |
| Average total loans | $226,687,333 | 2,112 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 1,580 |
| Cost of funding earning assets | 0.2720% | 3,249 |
| Net interest margin | 3.7428% | 1,244 |
| Noninterest income to average assets | 0.4355% | 2,897 |
| Noninterest expense to average assets | 2.4581% | 2,302 |
| Loan and lease loss provision to assets | 0.2376% | 459 |
| Net operating income to assets | 1.1798% | 2,234 |
| Return on assets (ROA) | 1.1798% | 2,302 |
| Pretax return on assets | 1.1798% | 2,901 |
| Return on Equity (ROE) | 12.6624% | 1,765 |
| Retained earnings to average equity (ytd only) | 7.7577% | 2,329 |
| Net charge-offs to loans | 0.0323% | 1,162 |
| Credit loss provision to net charge-offs | 1,166.6667% | 375 |
| Earnings coverage of net charge-offs (x) | 69.6111% | 757 |
| Efficiency ratio | 63.4267% | 2,540 |
| Assets per employee ($millions) | 4.8517% | 3,797 |
| Cash dividends to net income (ytd only)* | 38.7344% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4732% | 271 |
| Loan loss allowance to noncurrent loans | 143.7596% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1325% | 679 |
| Noncurrent loans to loans | 1.7204% | 700 |
| Net loans and leases to total assets | 60.6643% | 2,451 |
| Net loans and leases to deposits | 67.4499% | 2,759 |
| Net loans and leases to core deposits | 72.7249% | 2,640 |
| Total domestic deposits to total assets | 89.9398% | 849 |
| Equity capital to assets | 9.1234% | 3,567 |
| Core capital (leverage) ratio | 9.3253% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4031% | 1,771 |
| Memoranda: | ||
| Average total assets | $353,609,000 | 2,167 |
| Average earning assets | $324,997,000 | 2,200 |
| Average equity | $32,948,000 | 2,401 |
| Average total loans | $222,924,000 | 2,134 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7547% | 799 |
| Cost of funding earning assets | 0.4497% | 3,283 |
| Net interest margin | 4.3050% | 504 |
| Noninterest income to average assets | 0.5014% | 2,629 |
| Noninterest expense to average assets | 2.8625% | 1,780 |
| Loan and lease loss provision to assets | 0.2730% | 1,407 |
| Net operating income to assets | 1.2914% | 1,273 |
| Return on assets (ROA) | 1.2914% | 1,373 |
| Pretax return on assets | 1.2914% | 2,007 |
| Return on Equity (ROE) | 12.6527% | 1,136 |
| Retained earnings to average equity (ytd only) | 7.2147% | 1,311 |
| Net charge-offs to loans | 0.1236% | 1,264 |
| Credit loss provision to net charge-offs | 309.9631% | 1,702 |
| Earnings coverage of net charge-offs (x) | 17.7638% | 2,058 |
| Efficiency ratio | 64.6627% | 2,724 |
| Assets per employee ($millions) | 4.4590% | 3,959 |
| Cash dividends to net income (ytd only)* | 42.9794% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4628% | 277 |
| Loan loss allowance to noncurrent loans | 258.6603% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 1,545 |
| Noncurrent loans to loans | 0.9521% | 1,484 |
| Net loans and leases to total assets | 62.3580% | 2,565 |
| Net loans and leases to deposits | 69.9593% | 2,882 |
| Net loans and leases to core deposits | 76.3887% | 2,696 |
| Total domestic deposits to total assets | 89.1347% | 928 |
| Equity capital to assets | 9.5235% | 3,587 |
| Core capital (leverage) ratio | 9.5734% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1218% | 1,486 |
| Memoranda: | ||
| Average total assets | $307,739,600 | 2,259 |
| Average earning assets | $280,605,600 | 2,286 |
| Average equity | $31,408,200 | 2,413 |
| Average total loans | $219,271,800 | 2,106 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 830 |
| Cost of funding earning assets | 0.4848% | 3,325 |
| Net interest margin | 4.3533% | 518 |
| Noninterest income to average assets | 0.5109% | 2,563 |
| Noninterest expense to average assets | 2.9380% | 1,594 |
| Loan and lease loss provision to assets | 0.2811% | 1,430 |
| Net operating income to assets | 1.2542% | 1,467 |
| Return on assets (ROA) | 1.2542% | 1,586 |
| Pretax return on assets | 1.2542% | 2,212 |
| Return on Equity (ROE) | 12.0567% | 1,352 |
| Retained earnings to average equity (ytd only) | 6.6824% | 1,817 |
| Net charge-offs to loans | 0.0760% | 1,550 |
| Credit loss provision to net charge-offs | 504.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 27.5280% | 1,660 |
| Efficiency ratio | 65.6792% | 2,506 |
| Assets per employee ($millions) | 4.2458% | 4,101 |
| Cash dividends to net income (ytd only)* | 44.5749% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2511% | 317 |
| Loan loss allowance to noncurrent loans | 174.0632% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 1,080 |
| Noncurrent loans to loans | 1.2933% | 1,144 |
| Net loans and leases to total assets | 71.8870% | 1,682 |
| Net loans and leases to deposits | 80.8876% | 2,211 |
| Net loans and leases to core deposits | 87.5750% | 2,182 |
| Total domestic deposits to total assets | 88.8727% | 823 |
| Equity capital to assets | 9.9227% | 3,296 |
| Core capital (leverage) ratio | 10.0092% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5175% | 1,647 |
| Memoranda: | ||
| Average total assets | $298,839,500 | 2,285 |
| Average earning assets | $272,000,750 | 2,314 |
| Average equity | $31,085,750 | 2,420 |
| Average total loans | $219,213,250 | 2,109 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 979 |
| Cost of funding earning assets | 0.5123% | 3,462 |
| Net interest margin | 4.3851% | 641 |
| Noninterest income to average assets | 0.5349% | 2,416 |
| Noninterest expense to average assets | 2.9537% | 1,708 |
| Loan and lease loss provision to assets | 0.2888% | 1,487 |
| Net operating income to assets | 1.3063% | 1,342 |
| Return on assets (ROA) | 1.3063% | 1,450 |
| Pretax return on assets | 1.3063% | 2,011 |
| Return on Equity (ROE) | 12.3478% | 1,254 |
| Retained earnings to average equity (ytd only) | 7.0578% | 1,637 |
| Net charge-offs to loans | 0.1154% | 1,151 |
| Credit loss provision to net charge-offs | 341.4634% | 1,536 |
| Earnings coverage of net charge-offs (x) | 18.8618% | 1,749 |
| Efficiency ratio | 64.9335% | 2,669 |
| Assets per employee ($millions) | 3.8443% | 4,438 |
| Cash dividends to net income (ytd only)* | 42.8421% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2511% | 308 |
| Loan loss allowance to noncurrent loans | 131.7424% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 1.2708% | 833 |
| Noncurrent loans to loans | 1.7087% | 846 |
| Net loans and leases to total assets | 71.5922% | 1,787 |
| Net loans and leases to deposits | 80.6958% | 2,352 |
| Net loans and leases to core deposits | 86.8483% | 2,366 |
| Total domestic deposits to total assets | 88.7186% | 855 |
| Equity capital to assets | 10.1153% | 3,101 |
| Core capital (leverage) ratio | 10.4508% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8560% | 1,532 |
| Memoranda: | ||
| Average total assets | $290,891,667 | 2,309 |
| Average earning assets | $266,262,667 | 2,330 |
| Average equity | $30,774,667 | 2,425 |
| Average total loans | $213,181,333 | 2,134 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 1,125 |
| Cost of funding earning assets | 0.5626% | 3,631 |
| Net interest margin | 4.3632% | 674 |
| Noninterest income to average assets | 0.6400% | 1,862 |
| Noninterest expense to average assets | 3.1784% | 1,472 |
| Loan and lease loss provision to assets | 0.2993% | 1,036 |
| Net operating income to assets | 1.1859% | 1,562 |
| Return on assets (ROA) | 1.1859% | 1,679 |
| Pretax return on assets | 1.1859% | 2,243 |
| Return on Equity (ROE) | 10.9427% | 1,425 |
| Retained earnings to average equity (ytd only) | 5.2741% | 2,163 |
| Net charge-offs to loans | 0.0117% | 2,165 |
| Credit loss provision to net charge-offs | 3,500.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 173.6667% | 381 |
| Efficiency ratio | 68.1540% | 2,641 |
| Assets per employee ($millions) | 3.6948% | 4,287 |
| Cash dividends to net income (ytd only)* | 51.8029% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4523% | 263 |
| Loan loss allowance to noncurrent loans | 106.4176% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6869% | 580 |
| Noncurrent loans to loans | 2.3045% | 545 |
| Net loans and leases to total assets | 71.4084% | 2,019 |
| Net loans and leases to deposits | 81.1544% | 2,562 |
| Net loans and leases to core deposits | 88.3105% | 2,500 |
| Total domestic deposits to total assets | 87.9909% | 1,110 |
| Equity capital to assets | 10.8571% | 2,977 |
| Core capital (leverage) ratio | 11.0253% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8337% | 1,648 |
| Memoranda: | ||
| Average total assets | $280,642,500 | 2,318 |
| Average earning assets | $258,799,000 | 2,328 |
| Average equity | $30,413,000 | 2,429 |
| Average total loans | $205,739,500 | 2,142 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2701% | 876 |
| Cost of funding earning assets | 0.5285% | 3,976 |
| Net interest margin | 4.7416% | 430 |
| Noninterest income to average assets | 0.5862% | 2,290 |
| Noninterest expense to average assets | 3.0951% | 1,776 |
| Loan and lease loss provision to assets | 0.3165% | 507 |
| Net operating income to assets | 1.4773% | 1,110 |
| Return on assets (ROA) | 1.4773% | 1,165 |
| Pretax return on assets | 1.4773% | 1,876 |
| Return on Equity (ROE) | 13.4709% | 1,025 |
| Retained earnings to average equity (ytd only) | 7.7541% | 1,061 |
| Net charge-offs to loans | 0.0669% | 2,130 |
| Credit loss provision to net charge-offs | 622.2222% | 499 |
| Earnings coverage of net charge-offs (x) | 35.2667% | 1,422 |
| Efficiency ratio | 63.3092% | 3,174 |
| Assets per employee ($millions) | 3.6426% | 4,333 |
| Cash dividends to net income (ytd only)* | 42.4382% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3485% | 263 |
| Loan loss allowance to noncurrent loans | 110.6636% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.5662% | 632 |
| Noncurrent loans to loans | 2.1222% | 592 |
| Net loans and leases to total assets | 71.6927% | 2,135 |
| Net loans and leases to deposits | 81.4535% | 2,622 |
| Net loans and leases to core deposits | 88.7765% | 2,535 |
| Total domestic deposits to total assets | 88.0167% | 1,119 |
| Equity capital to assets | 10.8167% | 3,166 |
| Core capital (leverage) ratio | 10.9425% | 2,548 |
| Tier 1 risk-based capital ratio | 14.6536% | 2,928 |
| Total risk-based capital ratio | 15.9173% | 2,838 |
| Memoranda: | ||
| Average total assets | $265,419,600 | 2,358 |
| Average earning assets | $240,848,400 | 2,405 |
| Average equity | $29,107,200 | 2,440 |
| Average total loans | $201,795,600 | 2,154 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 911 |
| Cost of funding earning assets | 0.5029% | 4,129 |
| Net interest margin | 4.7705% | 438 |
| Noninterest income to average assets | 0.6130% | 2,134 |
| Noninterest expense to average assets | 3.1282% | 1,645 |
| Loan and lease loss provision to assets | 0.3210% | 441 |
| Net operating income to assets | 1.4849% | 1,230 |
| Return on assets (ROA) | 1.4849% | 1,288 |
| Pretax return on assets | 1.4849% | 2,008 |
| Return on Equity (ROE) | 13.4908% | 1,118 |
| Retained earnings to average equity (ytd only) | 7.7546% | 1,512 |
| Net charge-offs to loans | 0.0292% | 2,503 |
| Credit loss provision to net charge-offs | 1,431.8182% | 260 |
| Earnings coverage of net charge-offs (x) | 80.5389% | 855 |
| Efficiency ratio | 63.3998% | 3,098 |
| Assets per employee ($millions) | 3.1377% | 4,807 |
| Cash dividends to net income (ytd only)* | 42.5189% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1932% | 333 |
| Loan loss allowance to noncurrent loans | 147.4063% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 996 |
| Noncurrent loans to loans | 1.4879% | 1,020 |
| Net loans and leases to total assets | 79.8101% | 871 |
| Net loans and leases to deposits | 90.7218% | 1,598 |
| Net loans and leases to core deposits | 99.2807% | 1,718 |
| Total domestic deposits to total assets | 87.9723% | 1,044 |
| Equity capital to assets | 11.2977% | 2,837 |
| Core capital (leverage) ratio | 11.5468% | 2,184 |
| Tier 1 risk-based capital ratio | 14.1681% | 3,243 |
| Total risk-based capital ratio | 15.4308% | 3,139 |
| Memoranda: | ||
| Average total assets | $261,654,000 | 2,406 |
| Average earning assets | $237,006,500 | 2,439 |
| Average equity | $28,799,250 | 2,473 |
| Average total loans | $200,764,250 | 2,177 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1672% | 1,049 |
| Cost of funding earning assets | 0.4530% | 4,311 |
| Net interest margin | 4.7142% | 481 |
| Noninterest income to average assets | 0.5816% | 2,238 |
| Noninterest expense to average assets | 3.0320% | 1,908 |
| Loan and lease loss provision to assets | 0.3218% | 414 |
| Net operating income to assets | 1.4942% | 1,166 |
| Return on assets (ROA) | 1.4942% | 1,212 |
| Pretax return on assets | 1.4942% | 1,873 |
| Return on Equity (ROE) | 13.6970% | 1,054 |
| Retained earnings to average equity (ytd only) | 7.6563% | 1,536 |
| Net charge-offs to loans | 0.0398% | 2,093 |
| Credit loss provision to net charge-offs | 1,076.9231% | 321 |
| Earnings coverage of net charge-offs (x) | 60.7692% | 974 |
| Efficiency ratio | 62.5415% | 3,346 |
| Assets per employee ($millions) | 3.1670% | 4,793 |
| Cash dividends to net income (ytd only)* | 44.1026% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1802% | 337 |
| Loan loss allowance to noncurrent loans | 168.9255% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 1,199 |
| Noncurrent loans to loans | 1.2906% | 1,222 |
| Net loans and leases to total assets | 77.9534% | 1,231 |
| Net loans and leases to deposits | 88.6076% | 1,923 |
| Net loans and leases to core deposits | 95.9823% | 2,073 |
| Total domestic deposits to total assets | 87.9759% | 1,111 |
| Equity capital to assets | 11.2386% | 2,821 |
| Core capital (leverage) ratio | 11.0450% | 2,554 |
| Tier 1 risk-based capital ratio | 14.2779% | 3,173 |
| Total risk-based capital ratio | 15.5402% | 3,089 |
| Memoranda: | ||
| Average total assets | $261,016,330 | 2,414 |
| Average earning assets | $236,220,000 | 2,452 |
| Average equity | $28,473,330 | 2,485 |
| Average total loans | $195,995,670 | 2,222 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9961% | 1,343 |
| Cost of funding earning assets | 0.3775% | 4,578 |
| Net interest margin | 4.6186% | 587 |
| Noninterest income to average assets | 0.6191% | 1,957 |
| Noninterest expense to average assets | 3.0985% | 1,738 |
| Loan and lease loss provision to assets | 0.3210% | 386 |
| Net operating income to assets | 1.3696% | 1,459 |
| Return on assets (ROA) | 1.3696% | 1,501 |
| Pretax return on assets | 1.3696% | 2,197 |
| Return on Equity (ROE) | 12.7467% | 1,306 |
| Retained earnings to average equity (ytd only) | 6.6010% | 2,199 |
| Net charge-offs to loans | -0.0105% | 4,243 |
| Credit loss provision to net charge-offs | -4,200.0000% | 4,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6984% | 3,132 |
| Assets per employee ($millions) | 3.1710% | 4,854 |
| Cash dividends to net income (ytd only)* | 48.2143% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2571% | 328 |
| Loan loss allowance to noncurrent loans | 149.7072% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2318% | 1,080 |
| Noncurrent loans to loans | 1.5077% | 1,066 |
| Net loans and leases to total assets | 71.5066% | 2,248 |
| Net loans and leases to deposits | 80.8884% | 2,741 |
| Net loans and leases to core deposits | 85.4696% | 2,914 |
| Total domestic deposits to total assets | 88.4016% | 1,130 |
| Equity capital to assets | 10.8058% | 3,043 |
| Core capital (leverage) ratio | 10.8677% | 2,691 |
| Tier 1 risk-based capital ratio | 11.3184% | 4,829 |
| Total risk-based capital ratio | 12.5744% | 4,733 |
| Memoranda: | ||
| Average total assets | $261,677,000 | 2,433 |
| Average earning assets | $236,262,500 | 2,482 |
| Average equity | $28,117,000 | 2,514 |
| Average total loans | $190,517,000 | 2,279 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 1,212 |
| Cost of funding earning assets | 0.2943% | 4,594 |
| Net interest margin | 4.6320% | 565 |
| Noninterest income to average assets | 0.5899% | 2,351 |
| Noninterest expense to average assets | 2.9143% | 2,303 |
| Loan and lease loss provision to assets | 0.3335% | 469 |
| Net operating income to assets | 1.5284% | 1,047 |
| Return on assets (ROA) | 1.5348% | 1,022 |
| Pretax return on assets | 1.5348% | 1,669 |
| Return on Equity (ROE) | 14.5412% | 930 |
| Retained earnings to average equity (ytd only) | 7.6730% | 1,388 |
| Net charge-offs to loans | 0.2376% | 819 |
| Credit loss provision to net charge-offs | 194.8956% | 1,476 |
| Earnings coverage of net charge-offs (x) | 10.8817% | 2,675 |
| Efficiency ratio | 61.0174% | 3,686 |
| Assets per employee ($millions) | 3.2119% | 4,822 |
| Cash dividends to net income (ytd only)* | 47.2323% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 334 |
| Loan loss allowance to noncurrent loans | 120.1221% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.4018% | 870 |
| Noncurrent loans to loans | 1.8245% | 772 |
| Net loans and leases to total assets | 70.8625% | 2,439 |
| Net loans and leases to deposits | 79.7486% | 2,981 |
| Net loans and leases to core deposits | 83.8834% | 3,103 |
| Total domestic deposits to total assets | 88.8574% | 919 |
| Equity capital to assets | 10.6833% | 3,004 |
| Core capital (leverage) ratio | 10.8460% | 2,683 |
| Tier 1 risk-based capital ratio | 12.2704% | 4,251 |
| Total risk-based capital ratio | 13.5273% | 4,139 |
| Memoranda: | ||
| Average total assets | $251,897,600 | 2,458 |
| Average earning assets | $227,653,800 | 2,498 |
| Average equity | $26,586,600 | 2,534 |
| Average total loans | $181,382,600 | 2,323 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 1,285 |
| Cost of funding earning assets | 0.2916% | 4,580 |
| Net interest margin | 4.5655% | 643 |
| Noninterest income to average assets | 0.5822% | 2,404 |
| Noninterest expense to average assets | 2.9678% | 2,121 |
| Loan and lease loss provision to assets | 0.3362% | 412 |
| Net operating income to assets | 1.4057% | 1,465 |
| Return on assets (ROA) | 1.4175% | 1,427 |
| Pretax return on assets | 1.4175% | 2,172 |
| Return on Equity (ROE) | 13.4726% | 1,276 |
| Retained earnings to average equity (ytd only) | 6.3559% | 2,454 |
| Net charge-offs to loans | 0.2628% | 634 |
| Credit loss provision to net charge-offs | 177.9661% | 1,512 |
| Earnings coverage of net charge-offs (x) | 9.2203% | 2,656 |
| Efficiency ratio | 63.0142% | 3,333 |
| Assets per employee ($millions) | 3.0142% | 5,030 |
| Cash dividends to net income (ytd only)* | 52.8239% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0324% | 460 |
| Loan loss allowance to noncurrent loans | 98.2068% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.7530% | 682 |
| Noncurrent loans to loans | 2.0695% | 696 |
| Net loans and leases to total assets | 78.9332% | 1,180 |
| Net loans and leases to deposits | 89.6763% | 1,944 |
| Net loans and leases to core deposits | 94.6938% | 2,233 |
| Total domestic deposits to total assets | 88.0202% | 1,231 |
| Equity capital to assets | 11.0243% | 2,639 |
| Core capital (leverage) ratio | 10.9756% | 2,607 |
| Tier 1 risk-based capital ratio | 11.6977% | 4,674 |
| Total risk-based capital ratio | 12.9533% | 4,554 |
| Memoranda: | ||
| Average total assets | $249,831,250 | 2,489 |
| Average earning assets | $225,860,750 | 2,532 |
| Average equity | $26,284,750 | 2,563 |
| Average total loans | $179,606,000 | 2,345 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 1,591 |
| Cost of funding earning assets | 0.2778% | 4,573 |
| Net interest margin | 4.3880% | 872 |
| Noninterest income to average assets | 0.5466% | 2,589 |
| Noninterest expense to average assets | 2.8960% | 2,365 |
| Loan and lease loss provision to assets | 0.3337% | 403 |
| Net operating income to assets | 1.2824% | 1,848 |
| Return on assets (ROA) | 1.2998% | 1,769 |
| Pretax return on assets | 1.2998% | 2,517 |
| Return on Equity (ROE) | 12.5487% | 1,526 |
| Retained earnings to average equity (ytd only) | 4.9627% | 3,093 |
| Net charge-offs to loans | 0.1116% | 1,259 |
| Credit loss provision to net charge-offs | 432.9897% | 775 |
| Earnings coverage of net charge-offs (x) | 20.9691% | 1,788 |
| Efficiency ratio | 64.1838% | 3,292 |
| Assets per employee ($millions) | 3.0902% | 5,029 |
| Cash dividends to net income (ytd only)* | 60.4523% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 373 |
| Loan loss allowance to noncurrent loans | 104.8743% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.6358% | 774 |
| Noncurrent loans to loans | 2.0961% | 689 |
| Net loans and leases to total assets | 72.7956% | 2,149 |
| Net loans and leases to deposits | 82.2310% | 2,746 |
| Net loans and leases to core deposits | 86.9473% | 2,827 |
| Total domestic deposits to total assets | 88.5257% | 1,131 |
| Equity capital to assets | 10.6936% | 2,938 |
| Core capital (leverage) ratio | 10.5686% | 2,959 |
| Tier 1 risk-based capital ratio | 11.9339% | 4,536 |
| Total risk-based capital ratio | 13.1911% | 4,407 |
| Memoranda: | ||
| Average total assets | $251,724,330 | 2,488 |
| Average earning assets | $227,484,330 | 2,531 |
| Average equity | $26,074,330 | 2,582 |
| Average total loans | $173,903,000 | 2,408 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 2,231 |
| Cost of funding earning assets | 0.2697% | 4,580 |
| Net interest margin | 4.1202% | 1,385 |
| Noninterest income to average assets | 0.5449% | 2,548 |
| Noninterest expense to average assets | 2.9294% | 2,258 |
| Loan and lease loss provision to assets | 0.3307% | 372 |
| Net operating income to assets | 1.0143% | 2,800 |
| Return on assets (ROA) | 1.0143% | 2,821 |
| Pretax return on assets | 1.0143% | 3,483 |
| Return on Equity (ROE) | 9.9484% | 2,464 |
| Retained earnings to average equity (ytd only) | 0.4171% | 4,737 |
| Net charge-offs to loans | 0.0616% | 1,490 |
| Credit loss provision to net charge-offs | 807.6923% | 408 |
| Earnings coverage of net charge-offs (x) | 32.8462% | 1,192 |
| Efficiency ratio | 68.5335% | 2,744 |
| Assets per employee ($millions) | 3.3258% | 4,875 |
| Cash dividends to net income (ytd only)* | 95.8075% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2929% | 324 |
| Loan loss allowance to noncurrent loans | 103.9936% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.5936% | 854 |
| Noncurrent loans to loans | 2.2048% | 683 |
| Net loans and leases to total assets | 64.9962% | 3,181 |
| Net loans and leases to deposits | 72.8686% | 3,522 |
| Net loans and leases to core deposits | 77.0443% | 3,573 |
| Total domestic deposits to total assets | 89.1963% | 1,009 |
| Equity capital to assets | 10.0817% | 3,522 |
| Core capital (leverage) ratio | 10.2855% | 3,203 |
| Tier 1 risk-based capital ratio | 11.6985% | 4,742 |
| Total risk-based capital ratio | 12.9644% | 4,621 |
| Memoranda: | ||
| Average total assets | $253,979,500 | 2,489 |
| Average earning assets | $229,889,000 | 2,534 |
| Average equity | $25,893,500 | 2,625 |
| Average total loans | $168,851,500 | 2,488 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 1,263 |
| Cost of funding earning assets | 0.2788% | 4,326 |
| Net interest margin | 4.3903% | 780 |
| Noninterest income to average assets | 0.5535% | 2,698 |
| Noninterest expense to average assets | 2.8241% | 2,696 |
| Loan and lease loss provision to assets | 0.3604% | 432 |
| Net operating income to assets | 1.3425% | 1,133 |
| Return on assets (ROA) | 1.3451% | 1,151 |
| Pretax return on assets | 1.3451% | 2,191 |
| Return on Equity (ROE) | 12.4954% | 1,080 |
| Retained earnings to average equity (ytd only) | 6.3175% | 1,372 |
| Net charge-offs to loans | 0.3074% | 831 |
| Credit loss provision to net charge-offs | 163.1068% | 1,643 |
| Earnings coverage of net charge-offs (x) | 7.7068% | 3,008 |
| Efficiency ratio | 62.3827% | 3,880 |
| Assets per employee ($millions) | 3.3141% | 4,925 |
| Cash dividends to net income (ytd only)* | 49.4418% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2241% | 354 |
| Loan loss allowance to noncurrent loans | 100.4046% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.6064% | 827 |
| Noncurrent loans to loans | 2.2151% | 649 |
| Net loans and leases to total assets | 64.9649% | 3,233 |
| Net loans and leases to deposits | 72.8929% | 3,608 |
| Net loans and leases to core deposits | 77.2635% | 3,648 |
| Total domestic deposits to total assets | 89.1238% | 947 |
| Equity capital to assets | 10.3105% | 3,378 |
| Core capital (leverage) ratio | 10.6821% | 2,666 |
| Tier 1 risk-based capital ratio | 10.4224% | 5,397 |
| Total risk-based capital ratio | 11.6755% | 5,307 |
| Memoranda: | ||
| Average total assets | $233,067,600 | 2,620 |
| Average earning assets | $210,940,400 | 2,655 |
| Average equity | $25,089,200 | 2,669 |
| Average total loans | $167,515,600 | 2,452 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 1,115 |
| Cost of funding earning assets | 0.2769% | 4,346 |
| Net interest margin | 4.4332% | 684 |
| Noninterest income to average assets | 0.5576% | 2,683 |
| Noninterest expense to average assets | 2.9046% | 2,387 |
| Loan and lease loss provision to assets | 0.3678% | 397 |
| Net operating income to assets | 1.2955% | 1,353 |
| Return on assets (ROA) | 1.2955% | 1,385 |
| Pretax return on assets | 1.2955% | 2,517 |
| Return on Equity (ROE) | 11.8966% | 1,366 |
| Retained earnings to average equity (ytd only) | 5.3720% | 2,627 |
| Net charge-offs to loans | 0.0931% | 1,858 |
| Credit loss provision to net charge-offs | 538.4615% | 586 |
| Earnings coverage of net charge-offs (x) | 24.3498% | 1,774 |
| Efficiency ratio | 63.5864% | 3,629 |
| Assets per employee ($millions) | 2.9901% | 5,274 |
| Cash dividends to net income (ytd only)* | 54.8447% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2293% | 387 |
| Loan loss allowance to noncurrent loans | 108.3703% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.5877% | 935 |
| Noncurrent loans to loans | 2.0571% | 827 |
| Net loans and leases to total assets | 75.4596% | 1,688 |
| Net loans and leases to deposits | 85.8187% | 2,317 |
| Net loans and leases to core deposits | 91.6340% | 2,477 |
| Total domestic deposits to total assets | 87.9292% | 1,407 |
| Equity capital to assets | 11.2700% | 2,600 |
| Core capital (leverage) ratio | 11.2128% | 2,261 |
| Tier 1 risk-based capital ratio | 12.1518% | 4,517 |
| Total risk-based capital ratio | 13.4094% | 4,415 |
| Memoranda: | ||
| Average total assets | $228,367,000 | 2,676 |
| Average earning assets | $206,585,750 | 2,723 |
| Average equity | $24,869,250 | 2,701 |
| Average total loans | $167,557,250 | 2,464 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 1,348 |
| Cost of funding earning assets | 0.2675% | 4,396 |
| Net interest margin | 4.2951% | 876 |
| Noninterest income to average assets | 0.5491% | 2,722 |
| Noninterest expense to average assets | 2.8382% | 2,623 |
| Loan and lease loss provision to assets | 0.3672% | 382 |
| Net operating income to assets | 1.2460% | 1,453 |
| Return on assets (ROA) | 1.2460% | 1,479 |
| Pretax return on assets | 1.2460% | 2,608 |
| Return on Equity (ROE) | 11.5750% | 1,435 |
| Retained earnings to average equity (ytd only) | 4.2888% | 3,155 |
| Net charge-offs to loans | 0.0012% | 3,482 |
| Credit loss provision to net charge-offs | 42,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,845.0000% | 27 |
| Efficiency ratio | 63.7596% | 3,707 |
| Assets per employee ($millions) | 2.9807% | 5,284 |
| Cash dividends to net income (ytd only)* | 62.9474% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2071% | 432 |
| Loan loss allowance to noncurrent loans | 80.3368% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 2.0969% | 589 |
| Noncurrent loans to loans | 2.7473% | 512 |
| Net loans and leases to total assets | 74.6396% | 1,761 |
| Net loans and leases to deposits | 84.5671% | 2,398 |
| Net loans and leases to core deposits | 90.2945% | 2,489 |
| Total domestic deposits to total assets | 88.2607% | 1,326 |
| Equity capital to assets | 11.1085% | 2,696 |
| Core capital (leverage) ratio | 11.0055% | 2,397 |
| Tier 1 risk-based capital ratio | 11.9998% | 4,630 |
| Total risk-based capital ratio | 13.2573% | 4,513 |
| Memoranda: | ||
| Average total assets | $228,739,330 | 2,694 |
| Average earning assets | $207,818,000 | 2,724 |
| Average equity | $24,622,000 | 2,728 |
| Average total loans | $164,945,670 | 2,495 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3765% | 1,725 |
| Cost of funding earning assets | 0.2619% | 4,439 |
| Net interest margin | 4.1146% | 1,183 |
| Noninterest income to average assets | 0.5447% | 2,686 |
| Noninterest expense to average assets | 2.8663% | 2,558 |
| Loan and lease loss provision to assets | 0.3655% | 318 |
| Net operating income to assets | 1.0581% | 2,037 |
| Return on assets (ROA) | 1.0581% | 2,080 |
| Pretax return on assets | 1.0581% | 3,145 |
| Return on Equity (ROE) | 9.9873% | 1,968 |
| Retained earnings to average equity (ytd only) | 0.9692% | 4,668 |
| Net charge-offs to loans | -0.0596% | 5,260 |
| Credit loss provision to net charge-offs | -875.0000% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8154% | 3,363 |
| Assets per employee ($millions) | 3.1315% | 5,243 |
| Cash dividends to net income (ytd only)* | 90.2961% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2067% | 471 |
| Loan loss allowance to noncurrent loans | 75.7879% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.0958% | 617 |
| Noncurrent loans to loans | 2.9117% | 488 |
| Net loans and leases to total assets | 70.3905% | 2,309 |
| Net loans and leases to deposits | 79.3291% | 2,827 |
| Net loans and leases to core deposits | 93.5203% | 2,022 |
| Total domestic deposits to total assets | 88.7322% | 1,301 |
| Equity capital to assets | 10.7030% | 2,958 |
| Core capital (leverage) ratio | 10.6803% | 2,702 |
| Tier 1 risk-based capital ratio | 12.0087% | 4,714 |
| Total risk-based capital ratio | 13.2656% | 4,601 |
| Memoranda: | ||
| Average total assets | $229,844,000 | 2,706 |
| Average earning assets | $209,206,500 | 2,731 |
| Average equity | $24,351,000 | 2,762 |
| Average total loans | $160,970,000 | 2,565 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,397 |
| Cost of funding earning assets | 0.2736% | 4,322 |
| Net interest margin | 4.2806% | 960 |
| Noninterest income to average assets | 0.5438% | 2,953 |
| Noninterest expense to average assets | 2.7974% | 3,029 |
| Loan and lease loss provision to assets | 0.3152% | 594 |
| Net operating income to assets | 1.3499% | 1,096 |
| Return on assets (ROA) | 1.4020% | 1,026 |
| Pretax return on assets | 1.4020% | 1,934 |
| Return on Equity (ROE) | 13.4137% | 902 |
| Retained earnings to average equity (ytd only) | 8.1521% | 801 |
| Net charge-offs to loans | 0.2502% | 1,109 |
| Credit loss provision to net charge-offs | 181.3602% | 1,547 |
| Earnings coverage of net charge-offs (x) | 9.5793% | 2,743 |
| Efficiency ratio | 62.6864% | 4,151 |
| Assets per employee ($millions) | 3.1656% | 5,199 |
| Cash dividends to net income (ytd only)* | 39.2255% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1582% | 491 |
| Loan loss allowance to noncurrent loans | 92.5865% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.5877% | 1,016 |
| Noncurrent loans to loans | 2.3310% | 704 |
| Net loans and leases to total assets | 66.6410% | 2,984 |
| Net loans and leases to deposits | 74.7925% | 3,440 |
| Net loans and leases to core deposits | 81.1051% | 3,301 |
| Total domestic deposits to total assets | 89.1012% | 1,062 |
| Equity capital to assets | 10.4873% | 3,170 |
| Core capital (leverage) ratio | 10.9215% | 2,421 |
| Tier 1 risk-based capital ratio | 10.9236% | 5,384 |
| Total risk-based capital ratio | 12.1771% | 5,268 |
| Memoranda: | ||
| Average total assets | $228,392,000 | 2,681 |
| Average earning assets | $209,081,600 | 2,702 |
| Average equity | $23,871,200 | 2,810 |
| Average total loans | $158,664,800 | 2,535 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 1,361 |
| Cost of funding earning assets | 0.2756% | 4,332 |
| Net interest margin | 4.2941% | 941 |
| Noninterest income to average assets | 0.5422% | 2,960 |
| Noninterest expense to average assets | 2.8139% | 2,955 |
| Loan and lease loss provision to assets | 0.2986% | 571 |
| Net operating income to assets | 1.3613% | 1,141 |
| Return on assets (ROA) | 1.3636% | 1,215 |
| Pretax return on assets | 1.3636% | 2,183 |
| Return on Equity (ROE) | 13.0581% | 1,040 |
| Retained earnings to average equity (ytd only) | 7.8719% | 1,224 |
| Net charge-offs to loans | 0.3120% | 741 |
| Credit loss provision to net charge-offs | 137.0968% | 1,894 |
| Earnings coverage of net charge-offs (x) | 7.6209% | 2,861 |
| Efficiency ratio | 62.8975% | 4,088 |
| Assets per employee ($millions) | 2.9904% | 5,400 |
| Cash dividends to net income (ytd only)* | 39.7165% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 777 |
| Loan loss allowance to noncurrent loans | 81.4608% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.8062% | 908 |
| Noncurrent loans to loans | 2.3987% | 753 |
| Net loans and leases to total assets | 73.8301% | 1,893 |
| Net loans and leases to deposits | 83.8127% | 2,507 |
| Net loans and leases to core deposits | 91.0468% | 2,475 |
| Total domestic deposits to total assets | 88.0893% | 1,356 |
| Equity capital to assets | 11.2542% | 2,742 |
| Core capital (leverage) ratio | 10.9018% | 2,560 |
| Tier 1 risk-based capital ratio | 11.5639% | 5,046 |
| Total risk-based capital ratio | 12.8178% | 4,961 |
| Memoranda: | ||
| Average total assets | $227,717,750 | 2,694 |
| Average earning assets | $208,498,000 | 2,719 |
| Average equity | $23,780,250 | 2,836 |
| Average total loans | $158,981,750 | 2,533 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 1,604 |
| Cost of funding earning assets | 0.2726% | 4,418 |
| Net interest margin | 4.1977% | 1,119 |
| Noninterest income to average assets | 0.5337% | 2,988 |
| Noninterest expense to average assets | 2.7472% | 3,212 |
| Loan and lease loss provision to assets | 0.2599% | 730 |
| Net operating income to assets | 1.3827% | 1,092 |
| Return on assets (ROA) | 1.3827% | 1,158 |
| Pretax return on assets | 1.3827% | 2,090 |
| Return on Equity (ROE) | 13.5728% | 912 |
| Retained earnings to average equity (ytd only) | 7.9770% | 1,173 |
| Net charge-offs to loans | 0.0407% | 2,645 |
| Credit loss provision to net charge-offs | 937.5000% | 395 |
| Earnings coverage of net charge-offs (x) | 59.2500% | 892 |
| Efficiency ratio | 62.5814% | 4,255 |
| Assets per employee ($millions) | 3.1637% | 5,258 |
| Cash dividends to net income (ytd only)* | 41.2281% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0509% | 673 |
| Loan loss allowance to noncurrent loans | 153.6552% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9683% | 2,211 |
| Noncurrent loans to loans | 1.3347% | 1,683 |
| Net loans and leases to total assets | 71.0574% | 2,322 |
| Net loans and leases to deposits | 80.0811% | 2,923 |
| Net loans and leases to core deposits | 86.1101% | 2,886 |
| Total domestic deposits to total assets | 88.7318% | 1,052 |
| Equity capital to assets | 10.7825% | 3,308 |
| Core capital (leverage) ratio | 10.3273% | 3,160 |
| Tier 1 risk-based capital ratio | 10.8784% | 5,495 |
| Total risk-based capital ratio | 12.1320% | 5,409 |
| Memoranda: | ||
| Average total assets | $230,857,000 | 2,672 |
| Average earning assets | $212,069,670 | 2,696 |
| Average equity | $23,517,670 | 2,871 |
| Average total loans | $157,181,330 | 2,561 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 1,957 |
| Cost of funding earning assets | 0.2749% | 4,445 |
| Net interest margin | 4.0777% | 1,401 |
| Noninterest income to average assets | 0.5197% | 2,989 |
| Noninterest expense to average assets | 2.6875% | 3,460 |
| Loan and lease loss provision to assets | 0.2052% | 953 |
| Net operating income to assets | 1.3796% | 1,078 |
| Return on assets (ROA) | 1.3796% | 1,135 |
| Pretax return on assets | 1.3796% | 1,963 |
| Return on Equity (ROE) | 13.9339% | 846 |
| Retained earnings to average equity (ytd only) | 8.0634% | 1,431 |
| Net charge-offs to loans | 0.0493% | 2,056 |
| Credit loss provision to net charge-offs | 631.5789% | 508 |
| Earnings coverage of net charge-offs (x) | 48.7895% | 898 |
| Efficiency ratio | 62.9052% | 4,309 |
| Assets per employee ($millions) | 3.2324% | 5,223 |
| Cash dividends to net income (ytd only)* | 42.1314% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0459% | 762 |
| Loan loss allowance to noncurrent loans | 167.9894% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8121% | 2,653 |
| Noncurrent loans to loans | 1.2179% | 1,987 |
| Net loans and leases to total assets | 65.3162% | 3,061 |
| Net loans and leases to deposits | 72.9594% | 3,556 |
| Net loans and leases to core deposits | 80.7382% | 3,261 |
| Total domestic deposits to total assets | 89.5241% | 822 |
| Equity capital to assets | 10.0815% | 3,971 |
| Core capital (leverage) ratio | 9.7354% | 3,864 |
| Tier 1 risk-based capital ratio | 10.6764% | 5,672 |
| Total risk-based capital ratio | 11.9297% | 5,586 |
| Memoranda: | ||
| Average total assets | $233,973,500 | 2,659 |
| Average earning assets | $215,315,000 | 2,675 |
| Average equity | $23,166,500 | 2,907 |
| Average total loans | $154,295,000 | 2,594 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 1,508 |
| Cost of funding earning assets | 0.3063% | 4,181 |
| Net interest margin | 4.2236% | 1,117 |
| Noninterest income to average assets | 0.5454% | 3,039 |
| Noninterest expense to average assets | 2.6372% | 3,790 |
| Loan and lease loss provision to assets | 0.2081% | 1,014 |
| Net operating income to assets | 1.5863% | 731 |
| Return on assets (ROA) | 1.5954% | 734 |
| Pretax return on assets | 1.5954% | 1,258 |
| Return on Equity (ROE) | 16.8789% | 466 |
| Retained earnings to average equity (ytd only) | 8.1184% | 870 |
| Net charge-offs to loans | 0.0470% | 3,278 |
| Credit loss provision to net charge-offs | 657.5342% | 510 |
| Earnings coverage of net charge-offs (x) | 56.6986% | 909 |
| Efficiency ratio | 59.5089% | 4,971 |
| Assets per employee ($millions) | 3.2668% | 5,196 |
| Cash dividends to net income (ytd only)* | 51.9022% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 793 |
| Loan loss allowance to noncurrent loans | 299.9024% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 3,872 |
| Noncurrent loans to loans | 0.6682% | 3,192 |
| Net loans and leases to total assets | 63.9114% | 3,301 |
| Net loans and leases to deposits | 71.0613% | 3,810 |
| Net loans and leases to core deposits | 78.2477% | 3,521 |
| Total domestic deposits to total assets | 89.9385% | 656 |
| Equity capital to assets | 9.7231% | 4,269 |
| Core capital (leverage) ratio | 9.7652% | 3,819 |
| Tier 1 risk-based capital ratio | 10.3379% | 5,850 |
| Total risk-based capital ratio | 11.5901% | 5,772 |
| Memoranda: | ||
| Average total assets | $230,660,600 | 2,659 |
| Average earning assets | $212,234,600 | 2,655 |
| Average equity | $21,802,400 | 2,996 |
| Average total loans | $155,440,400 | 2,522 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 1,505 |
| Cost of funding earning assets | 0.3099% | 4,233 |
| Net interest margin | 4.2220% | 1,118 |
| Noninterest income to average assets | 0.5402% | 3,100 |
| Noninterest expense to average assets | 2.6251% | 3,782 |
| Loan and lease loss provision to assets | 0.2091% | 942 |
| Net operating income to assets | 1.5841% | 798 |
| Return on assets (ROA) | 1.5963% | 805 |
| Pretax return on assets | 1.5963% | 1,391 |
| Return on Equity (ROE) | 17.0134% | 466 |
| Retained earnings to average equity (ytd only) | 7.4790% | 1,456 |
| Net charge-offs to loans | 0.0359% | 3,191 |
| Credit loss provision to net charge-offs | 857.1429% | 417 |
| Earnings coverage of net charge-offs (x) | 73.4982% | 787 |
| Efficiency ratio | 59.4136% | 4,955 |
| Assets per employee ($millions) | 3.2062% | 5,275 |
| Cash dividends to net income (ytd only)* | 56.0407% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 1,198 |
| Loan loss allowance to noncurrent loans | 272.8519% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 3,843 |
| Noncurrent loans to loans | 0.6718% | 3,314 |
| Net loans and leases to total assets | 72.2575% | 2,019 |
| Net loans and leases to deposits | 81.1605% | 2,747 |
| Net loans and leases to core deposits | 89.2754% | 2,530 |
| Total domestic deposits to total assets | 89.0303% | 1,013 |
| Equity capital to assets | 10.0444% | 4,101 |
| Core capital (leverage) ratio | 9.6481% | 4,108 |
| Tier 1 risk-based capital ratio | 10.8639% | 5,726 |
| Total risk-based capital ratio | 12.1169% | 5,649 |
| Memoranda: | ||
| Average total assets | $229,522,500 | 2,686 |
| Average earning assets | $210,824,500 | 2,692 |
| Average equity | $21,535,500 | 3,041 |
| Average total loans | $155,950,000 | 2,535 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 1,870 |
| Cost of funding earning assets | 0.3077% | 4,317 |
| Net interest margin | 4.0855% | 1,385 |
| Noninterest income to average assets | 0.5347% | 3,140 |
| Noninterest expense to average assets | 2.5219% | 4,167 |
| Loan and lease loss provision to assets | 0.2066% | 945 |
| Net operating income to assets | 1.5679% | 798 |
| Return on assets (ROA) | 1.5739% | 817 |
| Pretax return on assets | 1.5739% | 1,412 |
| Return on Equity (ROE) | 17.1587% | 465 |
| Retained earnings to average equity (ytd only) | 6.8334% | 1,780 |
| Net charge-offs to loans | 0.0833% | 2,214 |
| Credit loss provision to net charge-offs | 375.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 32.2031% | 1,303 |
| Efficiency ratio | 58.6974% | 5,146 |
| Assets per employee ($millions) | 3.2665% | 5,217 |
| Cash dividends to net income (ytd only)* | 60.1751% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7933% | 1,384 |
| Loan loss allowance to noncurrent loans | 285.4418% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 4,094 |
| Noncurrent loans to loans | 0.6283% | 3,588 |
| Net loans and leases to total assets | 68.0892% | 2,628 |
| Net loans and leases to deposits | 75.5323% | 3,313 |
| Net loans and leases to core deposits | 83.0965% | 3,071 |
| Total domestic deposits to total assets | 90.1458% | 601 |
| Equity capital to assets | 9.4073% | 4,770 |
| Core capital (leverage) ratio | 9.2540% | 4,613 |
| Tier 1 risk-based capital ratio | 10.6346% | 5,869 |
| Total risk-based capital ratio | 11.8868% | 5,811 |
| Memoranda: | ||
| Average total assets | $232,287,670 | 2,685 |
| Average earning assets | $213,879,000 | 2,679 |
| Average equity | $21,307,000 | 3,078 |
| Average total loans | $153,654,000 | 2,574 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2310% | 2,345 |
| Cost of funding earning assets | 0.3074% | 4,363 |
| Net interest margin | 3.9236% | 1,809 |
| Noninterest income to average assets | 0.5058% | 3,252 |
| Noninterest expense to average assets | 2.4587% | 4,414 |
| Loan and lease loss provision to assets | 0.2050% | 887 |
| Net operating income to assets | 1.4626% | 918 |
| Return on assets (ROA) | 1.4626% | 978 |
| Pretax return on assets | 1.4626% | 1,686 |
| Return on Equity (ROE) | 16.1468% | 552 |
| Retained earnings to average equity (ytd only) | 2.6220% | 4,372 |
| Net charge-offs to loans | -0.0185% | 5,004 |
| Credit loss provision to net charge-offs | -1,714.2857% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5859% | 5,147 |
| Assets per employee ($millions) | 3.3553% | 5,156 |
| Cash dividends to net income (ytd only)* | 83.7617% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8460% | 1,402 |
| Loan loss allowance to noncurrent loans | 289.8340% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 4,102 |
| Noncurrent loans to loans | 0.6369% | 3,678 |
| Net loans and leases to total assets | 64.1665% | 3,069 |
| Net loans and leases to deposits | 71.0130% | 3,640 |
| Net loans and leases to core deposits | 78.7879% | 3,297 |
| Total domestic deposits to total assets | 90.3588% | 582 |
| Equity capital to assets | 9.2369% | 5,042 |
| Core capital (leverage) ratio | 8.8526% | 5,135 |
| Tier 1 risk-based capital ratio | 10.5575% | 5,997 |
| Total risk-based capital ratio | 11.8098% | 5,927 |
| Memoranda: | ||
| Average total assets | $234,105,000 | 2,685 |
| Average earning assets | $216,024,000 | 2,676 |
| Average equity | $21,205,500 | 3,116 |
| Average total loans | $151,215,500 | 2,610 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 1,647 |
| Cost of funding earning assets | 0.3432% | 4,324 |
| Net interest margin | 4.2232% | 1,236 |
| Noninterest income to average assets | 0.5542% | 3,153 |
| Noninterest expense to average assets | 2.6150% | 4,165 |
| Loan and lease loss provision to assets | 0.2204% | 1,114 |
| Net operating income to assets | 1.6402% | 654 |
| Return on assets (ROA) | 1.6356% | 688 |
| Pretax return on assets | 1.6356% | 1,137 |
| Return on Equity (ROE) | 17.9834% | 397 |
| Retained earnings to average equity (ytd only) | 6.0433% | 1,898 |
| Net charge-offs to loans | 0.0942% | 3,155 |
| Credit loss provision to net charge-offs | 350.3650% | 752 |
| Earnings coverage of net charge-offs (x) | 29.5766% | 1,355 |
| Efficiency ratio | 58.4282% | 5,418 |
| Assets per employee ($millions) | 3.3813% | 5,104 |
| Cash dividends to net income (ytd only)* | 66.3953% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 1,613 |
| Loan loss allowance to noncurrent loans | 483.1522% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 4,845 |
| Noncurrent loans to loans | 0.3654% | 4,557 |
| Net loans and leases to total assets | 62.7030% | 3,405 |
| Net loans and leases to deposits | 69.0184% | 4,028 |
| Net loans and leases to core deposits | 74.8374% | 3,838 |
| Total domestic deposits to total assets | 90.8497% | 414 |
| Equity capital to assets | 8.8833% | 5,393 |
| Core capital (leverage) ratio | 9.0945% | 4,834 |
| Tier 1 risk-based capital ratio | 9.0097% | 6,407 |
| Total risk-based capital ratio | 9.9537% | 6,423 |
| Memoranda: | ||
| Average total assets | $217,781,400 | 2,805 |
| Average earning assets | $202,218,600 | 2,785 |
| Average equity | $19,807,200 | 3,181 |
| Average total loans | $145,438,200 | 2,635 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 1,506 |
| Cost of funding earning assets | 0.3527% | 4,320 |
| Net interest margin | 4.2725% | 1,106 |
| Noninterest income to average assets | 0.5664% | 3,089 |
| Noninterest expense to average assets | 2.5677% | 4,297 |
| Loan and lease loss provision to assets | 0.2253% | 1,003 |
| Net operating income to assets | 1.7460% | 568 |
| Return on assets (ROA) | 1.7397% | 586 |
| Pretax return on assets | 1.7397% | 997 |
| Return on Equity (ROE) | 19.0056% | 345 |
| Retained earnings to average equity (ytd only) | 5.2163% | 2,942 |
| Net charge-offs to loans | 0.1213% | 2,597 |
| Credit loss provision to net charge-offs | 274.8092% | 977 |
| Earnings coverage of net charge-offs (x) | 24.0461% | 1,561 |
| Efficiency ratio | 56.5697% | 5,601 |
| Assets per employee ($millions) | 3.1833% | 5,466 |
| Cash dividends to net income (ytd only)* | 72.5541% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 2,077 |
| Loan loss allowance to noncurrent loans | 472.7778% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 5,235 |
| Noncurrent loans to loans | 0.3526% | 4,849 |
| Net loans and leases to total assets | 69.5768% | 2,260 |
| Net loans and leases to deposits | 77.2416% | 3,038 |
| Net loans and leases to core deposits | 84.5167% | 2,827 |
| Total domestic deposits to total assets | 90.0768% | 700 |
| Equity capital to assets | 9.4825% | 4,811 |
| Core capital (leverage) ratio | 9.3080% | 4,628 |
| Tier 1 risk-based capital ratio | 9.7087% | 6,405 |
| Total risk-based capital ratio | 10.9049% | 6,385 |
| Memoranda: | ||
| Average total assets | $213,053,750 | 2,872 |
| Average earning assets | $198,101,500 | 2,850 |
| Average equity | $19,502,500 | 3,222 |
| Average total loans | $144,027,750 | 2,672 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 1,676 |
| Cost of funding earning assets | 0.3572% | 4,348 |
| Net interest margin | 4.1894% | 1,274 |
| Noninterest income to average assets | 0.5285% | 3,280 |
| Noninterest expense to average assets | 2.5236% | 4,501 |
| Loan and lease loss provision to assets | 0.2265% | 1,017 |
| Net operating income to assets | 1.6752% | 606 |
| Return on assets (ROA) | 1.6639% | 659 |
| Pretax return on assets | 1.6639% | 1,104 |
| Return on Equity (ROE) | 18.4016% | 422 |
| Retained earnings to average equity (ytd only) | 1.7118% | 5,046 |
| Net charge-offs to loans | 0.0752% | 2,952 |
| Credit loss provision to net charge-offs | 452.8302% | 629 |
| Earnings coverage of net charge-offs (x) | 38.0189% | 1,095 |
| Efficiency ratio | 57.0271% | 5,655 |
| Assets per employee ($millions) | 3.1586% | 5,489 |
| Cash dividends to net income (ytd only)* | 90.6977% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 2,212 |
| Loan loss allowance to noncurrent loans | 345.3920% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 5,027 |
| Noncurrent loans to loans | 0.4848% | 4,546 |
| Net loans and leases to total assets | 68.6491% | 2,301 |
| Net loans and leases to deposits | 76.0512% | 3,050 |
| Net loans and leases to core deposits | 84.3143% | 2,704 |
| Total domestic deposits to total assets | 90.2670% | 677 |
| Equity capital to assets | 9.2371% | 5,058 |
| Core capital (leverage) ratio | 9.1914% | 4,754 |
| Tier 1 risk-based capital ratio | 9.9109% | 6,423 |
| Total risk-based capital ratio | 11.1612% | 6,385 |
| Memoranda: | ||
| Average total assets | $211,917,330 | 2,893 |
| Average earning assets | $197,115,670 | 2,869 |
| Average equity | $19,161,330 | 3,260 |
| Average total loans | $140,983,330 | 2,713 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 1,958 |
| Cost of funding earning assets | 0.3589% | 4,450 |
| Net interest margin | 4.0922% | 1,476 |
| Noninterest income to average assets | 0.5112% | 3,323 |
| Noninterest expense to average assets | 2.5142% | 4,572 |
| Loan and lease loss provision to assets | 0.2280% | 972 |
| Net operating income to assets | 1.5830% | 685 |
| Return on assets (ROA) | 1.5906% | 706 |
| Pretax return on assets | 1.5906% | 1,194 |
| Return on Equity (ROE) | 17.7877% | 453 |
| Retained earnings to average equity (ytd only) | -9.3295% | 6,336 |
| Net charge-offs to loans | 0.1143% | 2,035 |
| Credit loss provision to net charge-offs | 307.6923% | 784 |
| Earnings coverage of net charge-offs (x) | 24.4359% | 1,177 |
| Efficiency ratio | 58.1283% | 5,632 |
| Assets per employee ($millions) | 3.5717% | 4,786 |
| Cash dividends to net income (ytd only)* | 152.4492% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 2,267 |
| Loan loss allowance to noncurrent loans | 401.5025% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 5,308 |
| Noncurrent loans to loans | 0.4299% | 4,853 |
| Net loans and leases to total assets | 64.9792% | 2,731 |
| Net loans and leases to deposits | 71.6730% | 3,382 |
| Net loans and leases to core deposits | 79.5797% | 3,025 |
| Total domestic deposits to total assets | 90.6606% | 703 |
| Equity capital to assets | 8.9284% | 5,186 |
| Core capital (leverage) ratio | 8.9212% | 5,112 |
| Tier 1 risk-based capital ratio | 10.0885% | 6,450 |
| Total risk-based capital ratio | 11.3389% | 6,420 |
| Memoranda: | ||
| Average total assets | $210,483,500 | 2,925 |
| Average earning assets | $196,180,000 | 2,895 |
| Average equity | $18,822,000 | 3,308 |
| Average total loans | $136,495,500 | 2,787 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 2,577 |
| Cost of funding earning assets | 0.4431% | 4,182 |
| Net interest margin | 3.9600% | 2,067 |
| Noninterest income to average assets | 0.5478% | 3,418 |
| Noninterest expense to average assets | 2.5172% | 4,713 |
| Loan and lease loss provision to assets | 0.1804% | 2,043 |
| Net operating income to assets | 1.5370% | 770 |
| Return on assets (ROA) | 1.5446% | 792 |
| Pretax return on assets | 1.5446% | 1,315 |
| Return on Equity (ROE) | 18.0271% | 405 |
| Retained earnings to average equity (ytd only) | 9.3736% | 686 |
| Net charge-offs to loans | 0.2536% | 2,453 |
| Credit loss provision to net charge-offs | 114.8036% | 2,104 |
| Earnings coverage of net charge-offs (x) | 10.9305% | 2,298 |
| Efficiency ratio | 59.4440% | 5,547 |
| Assets per employee ($millions) | 3.5039% | 4,893 |
| Cash dividends to net income (ytd only)* | 48.0025% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 2,273 |
| Loan loss allowance to noncurrent loans | 298.3312% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 5,138 |
| Noncurrent loans to loans | 0.5828% | 4,524 |
| Net loans and leases to total assets | 62.4682% | 3,302 |
| Net loans and leases to deposits | 68.8446% | 3,929 |
| Net loans and leases to core deposits | 77.0151% | 3,487 |
| Total domestic deposits to total assets | 90.7380% | 689 |
| Equity capital to assets | 8.9562% | 5,092 |
| Core capital (leverage) ratio | 9.2266% | 4,678 |
| Tier 1 risk-based capital ratio | 10.6373% | 6,317 |
| Total risk-based capital ratio | 11.8877% | 6,274 |
| Memoranda: | ||
| Average total assets | $210,671,200 | 2,908 |
| Average earning assets | $196,136,800 | 2,872 |
| Average equity | $18,050,600 | 3,409 |
| Average total loans | $130,518,200 | 2,855 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 2,708 |
| Cost of funding earning assets | 0.4603% | 4,168 |
| Net interest margin | 3.9051% | 2,256 |
| Noninterest income to average assets | 0.5459% | 3,486 |
| Noninterest expense to average assets | 2.5201% | 4,655 |
| Loan and lease loss provision to assets | 0.1834% | 1,980 |
| Net operating income to assets | 1.4758% | 939 |
| Return on assets (ROA) | 1.4852% | 970 |
| Pretax return on assets | 1.4852% | 1,654 |
| Return on Equity (ROE) | 17.5324% | 484 |
| Retained earnings to average equity (ytd only) | 7.3624% | 1,702 |
| Net charge-offs to loans | 0.2446% | 2,349 |
| Credit loss provision to net charge-offs | 121.8487% | 1,934 |
| Earnings coverage of net charge-offs (x) | 11.0209% | 2,291 |
| Efficiency ratio | 60.2997% | 5,389 |
| Assets per employee ($millions) | 3.4559% | 4,937 |
| Cash dividends to net income (ytd only)* | 58.0066% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 2,619 |
| Loan loss allowance to noncurrent loans | 250.4844% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 4,847 |
| Noncurrent loans to loans | 0.6791% | 4,503 |
| Net loans and leases to total assets | 65.9500% | 2,648 |
| Net loans and leases to deposits | 72.8234% | 3,424 |
| Net loans and leases to core deposits | 81.4316% | 2,942 |
| Total domestic deposits to total assets | 90.5615% | 719 |
| Equity capital to assets | 8.9465% | 5,247 |
| Core capital (leverage) ratio | 9.1088% | 4,958 |
| Tier 1 risk-based capital ratio | 10.2235% | 6,531 |
| Total risk-based capital ratio | 11.4692% | 6,499 |
| Memoranda: | ||
| Average total assets | $210,780,250 | 2,934 |
| Average earning assets | $196,115,000 | 2,896 |
| Average equity | $17,856,000 | 3,481 |
| Average total loans | $129,734,250 | 2,889 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2127% | 3,312 |
| Cost of funding earning assets | 0.4805% | 4,092 |
| Net interest margin | 3.7322% | 2,836 |
| Noninterest income to average assets | 0.5238% | 3,678 |
| Noninterest expense to average assets | 2.4733% | 4,819 |
| Loan and lease loss provision to assets | 0.1877% | 2,012 |
| Net operating income to assets | 1.3404% | 1,225 |
| Return on assets (ROA) | 1.3554% | 1,263 |
| Pretax return on assets | 1.3554% | 2,100 |
| Return on Equity (ROE) | 16.2912% | 632 |
| Retained earnings to average equity (ytd only) | 2.3918% | 4,775 |
| Net charge-offs to loans | 0.3910% | 1,655 |
| Credit loss provision to net charge-offs | 80.3213% | 2,617 |
| Earnings coverage of net charge-offs (x) | 6.5382% | 2,704 |
| Efficiency ratio | 61.8109% | 5,199 |
| Assets per employee ($millions) | 3.3841% | 5,104 |
| Cash dividends to net income (ytd only)* | 85.3186% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 2,914 |
| Loan loss allowance to noncurrent loans | 706.6667% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 5,696 |
| Noncurrent loans to loans | 0.2358% | 5,715 |
| Net loans and leases to total assets | 64.6965% | 2,808 |
| Net loans and leases to deposits | 71.0692% | 3,574 |
| Net loans and leases to core deposits | 79.3550% | 3,110 |
| Total domestic deposits to total assets | 91.0332% | 530 |
| Equity capital to assets | 8.4665% | 5,804 |
| Core capital (leverage) ratio | 8.5505% | 5,608 |
| Tier 1 risk-based capital ratio | 10.1028% | 6,609 |
| Total risk-based capital ratio | 11.3530% | 6,588 |
| Memoranda: | ||
| Average total assets | $213,073,670 | 2,926 |
| Average earning assets | $198,543,330 | 2,886 |
| Average equity | $17,727,330 | 3,524 |
| Average total loans | $127,379,330 | 2,930 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 4,146 |
| Cost of funding earning assets | 0.4854% | 4,234 |
| Net interest margin | 3.5079% | 3,660 |
| Noninterest income to average assets | 0.4860% | 3,876 |
| Noninterest expense to average assets | 2.3110% | 5,391 |
| Loan and lease loss provision to assets | 0.2018% | 1,843 |
| Net operating income to assets | 1.2472% | 1,405 |
| Return on assets (ROA) | 1.2472% | 1,505 |
| Pretax return on assets | 1.2472% | 2,414 |
| Return on Equity (ROE) | 15.1149% | 742 |
| Retained earnings to average equity (ytd only) | -9.3801% | 6,587 |
| Net charge-offs to loans | 0.4217% | 1,400 |
| Credit loss provision to net charge-offs | 83.9695% | 2,111 |
| Earnings coverage of net charge-offs (x) | 6.0305% | 2,284 |
| Efficiency ratio | 61.4634% | 5,379 |
| Assets per employee ($millions) | 3.6653% | 4,635 |
| Cash dividends to net income (ytd only)* | 162.0588% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 2,688 |
| Loan loss allowance to noncurrent loans | 324.7839% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 5,379 |
| Noncurrent loans to loans | 0.5483% | 5,069 |
| Net loans and leases to total assets | 58.4814% | 3,709 |
| Net loans and leases to deposits | 64.0709% | 4,301 |
| Net loans and leases to core deposits | 71.1669% | 3,939 |
| Total domestic deposits to total assets | 91.2761% | 418 |
| Equity capital to assets | 8.3410% | 6,160 |
| Core capital (leverage) ratio | 8.0408% | 6,104 |
| Tier 1 risk-based capital ratio | 10.0556% | 6,681 |
| Total risk-based capital ratio | 11.3061% | 6,669 |
| Memoranda: | ||
| Average total assets | $218,086,500 | 2,896 |
| Average earning assets | $203,541,500 | 2,859 |
| Average equity | $17,995,500 | 3,526 |
| Average total loans | $124,273,500 | 3,002 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 3,210 |
| Cost of funding earning assets | 0.5801% | 4,532 |
| Net interest margin | 3.9699% | 2,525 |
| Noninterest income to average assets | 0.5541% | 3,550 |
| Noninterest expense to average assets | 2.6514% | 4,565 |
| Loan and lease loss provision to assets | 0.3014% | 2,267 |
| Net operating income to assets | 1.2936% | 1,325 |
| Return on assets (ROA) | 1.2971% | 1,458 |
| Pretax return on assets | 1.2971% | 2,412 |
| Return on Equity (ROE) | 14.8842% | 831 |
| Retained earnings to average equity (ytd only) | 5.4879% | 2,388 |
| Net charge-offs to loans | 0.1344% | 4,334 |
| Credit loss provision to net charge-offs | 370.3704% | 662 |
| Earnings coverage of net charge-offs (x) | 19.5988% | 1,377 |
| Efficiency ratio | 62.4394% | 5,177 |
| Assets per employee ($millions) | 3.6653% | 4,640 |
| Cash dividends to net income (ytd only)* | 63.1294% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 2,401 |
| Loan loss allowance to noncurrent loans | 218.7500% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 5,259 |
| Noncurrent loans to loans | 0.8527% | 4,477 |
| Net loans and leases to total assets | 53.5338% | 4,684 |
| Net loans and leases to deposits | 58.4247% | 5,190 |
| Net loans and leases to core deposits | 64.9930% | 4,837 |
| Total domestic deposits to total assets | 91.6286% | 314 |
| Equity capital to assets | 8.1665% | 6,308 |
| Core capital (leverage) ratio | 8.4752% | 5,649 |
| Tier 1 risk-based capital ratio | 10.6185% | 6,507 |
| Total risk-based capital ratio | 11.8702% | 6,470 |
| Memoranda: | ||
| Average total assets | $199,062,800 | 3,057 |
| Average earning assets | $185,141,600 | 3,027 |
| Average equity | $17,347,200 | 3,567 |
| Average total loans | $120,507,800 | 3,064 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6841% | 2,868 |
| Cost of funding earning assets | 0.5994% | 4,655 |
| Net interest margin | 4.0847% | 2,146 |
| Noninterest income to average assets | 0.5777% | 3,425 |
| Noninterest expense to average assets | 2.7436% | 4,201 |
| Loan and lease loss provision to assets | 0.3110% | 2,123 |
| Net operating income to assets | 1.3234% | 1,389 |
| Return on assets (ROA) | 1.3282% | 1,514 |
| Pretax return on assets | 1.3282% | 2,500 |
| Return on Equity (ROE) | 14.9691% | 907 |
| Retained earnings to average equity (ytd only) | 3.3723% | 4,495 |
| Net charge-offs to loans | 0.1687% | 3,768 |
| Credit loss provision to net charge-offs | 296.0526% | 915 |
| Earnings coverage of net charge-offs (x) | 15.5593% | 1,749 |
| Efficiency ratio | 62.6677% | 5,040 |
| Assets per employee ($millions) | 3.2055% | 5,624 |
| Cash dividends to net income (ytd only)* | 77.4713% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 3,256 |
| Loan loss allowance to noncurrent loans | 234.6154% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 5,453 |
| Noncurrent loans to loans | 0.7121% | 5,013 |
| Net loans and leases to total assets | 64.2601% | 2,986 |
| Net loans and leases to deposits | 71.1198% | 3,729 |
| Net loans and leases to core deposits | 81.0884% | 3,081 |
| Total domestic deposits to total assets | 90.3548% | 651 |
| Equity capital to assets | 9.2043% | 5,590 |
| Core capital (leverage) ratio | 8.9653% | 5,116 |
| Tier 1 risk-based capital ratio | 10.5537% | 6,649 |
| Total risk-based capital ratio | 11.8047% | 6,632 |
| Memoranda: | ||
| Average total assets | $192,932,500 | 3,177 |
| Average earning assets | $179,495,000 | 3,132 |
| Average equity | $17,119,250 | 3,634 |
| Average total loans | $120,142,750 | 3,111 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 3,093 |
| Cost of funding earning assets | 0.6086% | 4,827 |
| Net interest margin | 4.0519% | 2,290 |
| Noninterest income to average assets | 0.5915% | 3,307 |
| Noninterest expense to average assets | 2.7574% | 4,192 |
| Loan and lease loss provision to assets | 0.3124% | 2,112 |
| Net operating income to assets | 1.2860% | 1,476 |
| Return on assets (ROA) | 1.2933% | 1,606 |
| Pretax return on assets | 1.2933% | 2,583 |
| Return on Equity (ROE) | 14.7626% | 975 |
| Retained earnings to average equity (ytd only) | -1.2599% | 6,248 |
| Net charge-offs to loans | 0.2415% | 3,127 |
| Credit loss provision to net charge-offs | 211.2676% | 1,334 |
| Earnings coverage of net charge-offs (x) | 10.8099% | 2,017 |
| Efficiency ratio | 63.3038% | 5,023 |
| Assets per employee ($millions) | 3.0951% | 5,862 |
| Cash dividends to net income (ytd only)* | 108.5346% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 3,580 |
| Loan loss allowance to noncurrent loans | 118.9624% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 4,594 |
| Noncurrent loans to loans | 1.3509% | 3,900 |
| Net loans and leases to total assets | 64.6925% | 2,889 |
| Net loans and leases to deposits | 71.4662% | 3,689 |
| Net loans and leases to core deposits | 84.3433% | 2,643 |
| Total domestic deposits to total assets | 90.5218% | 650 |
| Equity capital to assets | 9.0820% | 5,600 |
| Core capital (leverage) ratio | 8.7221% | 5,342 |
| Tier 1 risk-based capital ratio | 10.6656% | 6,630 |
| Total risk-based capital ratio | 11.9162% | 6,618 |
| Memoranda: | ||
| Average total assets | $192,064,000 | 3,193 |
| Average earning assets | $178,432,670 | 3,155 |
| Average equity | $16,826,330 | 3,675 |
| Average total loans | $117,594,330 | 3,189 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 3,554 |
| Cost of funding earning assets | 0.6089% | 5,060 |
| Net interest margin | 3.9800% | 2,590 |
| Noninterest income to average assets | 0.5700% | 3,423 |
| Noninterest expense to average assets | 2.7672% | 4,172 |
| Loan and lease loss provision to assets | 0.3098% | 2,033 |
| Net operating income to assets | 1.1916% | 1,759 |
| Return on assets (ROA) | 1.1916% | 1,943 |
| Pretax return on assets | 1.1916% | 2,942 |
| Return on Equity (ROE) | 13.8486% | 1,215 |
| Retained earnings to average equity (ytd only) | -15.0966% | 6,975 |
| Net charge-offs to loans | 0.3079% | 2,430 |
| Credit loss provision to net charge-offs | 170.4545% | 1,497 |
| Earnings coverage of net charge-offs (x) | 8.2614% | 1,979 |
| Efficiency ratio | 64.8283% | 4,773 |
| Assets per employee ($millions) | 3.0972% | 5,964 |
| Cash dividends to net income (ytd only)* | 209.0121% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 3,613 |
| Loan loss allowance to noncurrent loans | 107.7141% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 4,529 |
| Noncurrent loans to loans | 1.5121% | 3,848 |
| Net loans and leases to total assets | 60.7050% | 3,511 |
| Net loans and leases to deposits | 66.7497% | 4,270 |
| Net loans and leases to core deposits | 75.4659% | 3,691 |
| Total domestic deposits to total assets | 90.9443% | 583 |
| Equity capital to assets | 8.6900% | 5,883 |
| Core capital (leverage) ratio | 8.4133% | 5,724 |
| Tier 1 risk-based capital ratio | 11.0009% | 6,533 |
| Total risk-based capital ratio | 12.2513% | 6,524 |
| Memoranda: | ||
| Average total assets | $193,695,500 | 3,186 |
| Average earning assets | $180,000,000 | 3,145 |
| Average equity | $16,666,000 | 3,698 |
| Average total loans | $114,324,000 | 3,271 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0416% | 2,698 |
| Cost of funding earning assets | 0.7603% | 5,132 |
| Net interest margin | 4.2812% | 1,765 |
| Noninterest income to average assets | 0.6344% | 2,982 |
| Noninterest expense to average assets | 2.8811% | 4,040 |
| Loan and lease loss provision to assets | 0.3293% | 3,047 |
| Net operating income to assets | 1.4071% | 1,017 |
| Return on assets (ROA) | 1.4071% | 1,095 |
| Pretax return on assets | 1.4071% | 1,765 |
| Return on Equity (ROE) | 16.5123% | 533 |
| Retained earnings to average equity (ytd only) | 6.9617% | 1,523 |
| Net charge-offs to loans | 0.3503% | 3,649 |
| Credit loss provision to net charge-offs | 146.6993% | 1,951 |
| Earnings coverage of net charge-offs (x) | 7.7359% | 2,277 |
| Efficiency ratio | 62.3960% | 5,394 |
| Assets per employee ($millions) | 3.3077% | 5,496 |
| Cash dividends to net income (ytd only)* | 57.8393% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 3,420 |
| Loan loss allowance to noncurrent loans | 125.6498% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7830% | 5,071 |
| Noncurrent loans to loans | 1.3047% | 4,197 |
| Net loans and leases to total assets | 55.5384% | 4,786 |
| Net loans and leases to deposits | 60.8709% | 5,385 |
| Net loans and leases to core deposits | 66.9306% | 5,161 |
| Total domestic deposits to total assets | 91.2396% | 414 |
| Equity capital to assets | 8.5226% | 6,118 |
| Core capital (leverage) ratio | 8.8917% | 4,958 |
| Tier 1 risk-based capital ratio | 11.8281% | 5,947 |
| Total risk-based capital ratio | 13.0791% | 5,924 |
| Memoranda: | ||
| Average total assets | $182,220,400 | 3,297 |
| Average earning assets | $169,530,800 | 3,257 |
| Average equity | $15,527,800 | 3,811 |
| Average total loans | $116,763,800 | 3,239 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 2,338 |
| Cost of funding earning assets | 0.8045% | 5,120 |
| Net interest margin | 4.3565% | 1,545 |
| Noninterest income to average assets | 0.5965% | 3,189 |
| Noninterest expense to average assets | 2.8685% | 4,066 |
| Loan and lease loss provision to assets | 0.3368% | 2,862 |
| Net operating income to assets | 1.4436% | 1,070 |
| Return on assets (ROA) | 1.4436% | 1,145 |
| Pretax return on assets | 1.4436% | 1,807 |
| Return on Equity (ROE) | 16.9416% | 572 |
| Retained earnings to average equity (ytd only) | 5.1554% | 3,087 |
| Net charge-offs to loans | 0.4149% | 3,068 |
| Credit loss provision to net charge-offs | 122.6158% | 2,634 |
| Earnings coverage of net charge-offs (x) | 6.4823% | 2,544 |
| Efficiency ratio | 61.7032% | 5,461 |
| Assets per employee ($millions) | 2.8172% | 6,455 |
| Cash dividends to net income (ytd only)* | 69.5697% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 4,611 |
| Loan loss allowance to noncurrent loans | 133.9272% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 5,184 |
| Noncurrent loans to loans | 1.0370% | 4,821 |
| Net loans and leases to total assets | 69.1685% | 2,247 |
| Net loans and leases to deposits | 76.5739% | 3,233 |
| Net loans and leases to core deposits | 85.4358% | 2,855 |
| Total domestic deposits to total assets | 90.3291% | 706 |
| Equity capital to assets | 9.2517% | 5,446 |
| Core capital (leverage) ratio | 9.1233% | 4,762 |
| Tier 1 risk-based capital ratio | 10.0229% | 6,945 |
| Total risk-based capital ratio | 11.0918% | 6,983 |
| Memoranda: | ||
| Average total assets | $178,160,250 | 3,377 |
| Average earning assets | $165,723,500 | 3,326 |
| Average equity | $15,181,250 | 3,881 |
| Average total loans | $117,940,000 | 3,245 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0780% | 2,786 |
| Cost of funding earning assets | 0.8209% | 5,236 |
| Net interest margin | 4.2572% | 1,815 |
| Noninterest income to average assets | 0.5673% | 3,353 |
| Noninterest expense to average assets | 2.8545% | 4,214 |
| Loan and lease loss provision to assets | 0.3363% | 2,768 |
| Net operating income to assets | 1.3420% | 1,211 |
| Return on assets (ROA) | 1.3420% | 1,288 |
| Pretax return on assets | 1.3420% | 1,994 |
| Return on Equity (ROE) | 16.2104% | 646 |
| Retained earnings to average equity (ytd only) | -0.0406% | 5,844 |
| Net charge-offs to loans | 0.1227% | 4,491 |
| Credit loss provision to net charge-offs | 422.5352% | 713 |
| Earnings coverage of net charge-offs (x) | 21.0845% | 1,163 |
| Efficiency ratio | 62.9730% | 5,408 |
| Assets per employee ($millions) | 2.4565% | 6,963 |
| Cash dividends to net income (ytd only)* | 100.2506% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 3,929 |
| Loan loss allowance to noncurrent loans | 140.9774% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 5,338 |
| Noncurrent loans to loans | 1.0945% | 4,840 |
| Net loans and leases to total assets | 68.5941% | 2,499 |
| Net loans and leases to deposits | 75.6397% | 3,538 |
| Net loans and leases to core deposits | 83.9634% | 3,217 |
| Total domestic deposits to total assets | 90.6853% | 643 |
| Equity capital to assets | 9.0309% | 5,539 |
| Core capital (leverage) ratio | 8.8622% | 4,941 |
| Tier 1 risk-based capital ratio | 11.1786% | 6,394 |
| Total risk-based capital ratio | 12.4296% | 6,387 |
| Memoranda: | ||
| Average total assets | $178,386,670 | 3,387 |
| Average earning assets | $166,166,670 | 3,334 |
| Average equity | $14,768,330 | 3,947 |
| Average total loans | $115,756,670 | 3,322 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 3,648 |
| Cost of funding earning assets | 0.8352% | 5,364 |
| Net interest margin | 4.0527% | 2,461 |
| Noninterest income to average assets | 0.4967% | 3,920 |
| Noninterest expense to average assets | 2.7144% | 4,777 |
| Loan and lease loss provision to assets | 0.3326% | 2,569 |
| Net operating income to assets | 1.2374% | 1,433 |
| Return on assets (ROA) | 1.2374% | 1,487 |
| Pretax return on assets | 1.2374% | 2,240 |
| Return on Equity (ROE) | 15.6335% | 720 |
| Retained earnings to average equity (ytd only) | -14.0366% | 7,015 |
| Net charge-offs to loans | 0.1276% | 3,756 |
| Credit loss provision to net charge-offs | 416.6667% | 814 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,131 |
| Efficiency ratio | 63.3540% | 5,466 |
| Assets per employee ($millions) | 2.5990% | 6,849 |
| Cash dividends to net income (ytd only)* | 189.7849% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 4,016 |
| Loan loss allowance to noncurrent loans | 120.4654% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 5,222 |
| Noncurrent loans to loans | 1.2768% | 4,564 |
| Net loans and leases to total assets | 63.7502% | 3,488 |
| Net loans and leases to deposits | 69.8402% | 4,365 |
| Net loans and leases to core deposits | 78.3065% | 3,980 |
| Total domestic deposits to total assets | 91.2802% | 495 |
| Equity capital to assets | 8.4290% | 6,017 |
| Core capital (leverage) ratio | 8.4291% | 5,575 |
| Tier 1 risk-based capital ratio | 11.2217% | 6,334 |
| Total risk-based capital ratio | 12.4721% | 6,300 |
| Memoranda: | ||
| Average total assets | $180,373,500 | 3,382 |
| Average earning assets | $168,577,000 | 3,320 |
| Average equity | $14,277,000 | 4,057 |
| Average total loans | $112,879,000 | 3,416 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5067% | 2,254 |
| Cost of funding earning assets | 1.0793% | 5,261 |
| Net interest margin | 4.4274% | 1,407 |
| Noninterest income to average assets | 0.6304% | 3,280 |
| Noninterest expense to average assets | 2.8472% | 4,414 |
| Loan and lease loss provision to assets | 0.4240% | 3,567 |
| Net operating income to assets | 1.4212% | 901 |
| Return on assets (ROA) | 1.4224% | 970 |
| Pretax return on assets | 1.4224% | 1,589 |
| Return on Equity (ROE) | 18.4030% | 352 |
| Retained earnings to average equity (ytd only) | 6.5426% | 1,532 |
| Net charge-offs to loans | 0.6860% | 2,951 |
| Credit loss provision to net charge-offs | 92.5546% | 5,016 |
| Earnings coverage of net charge-offs (x) | 4.0282% | 3,097 |
| Efficiency ratio | 60.6767% | 5,936 |
| Assets per employee ($millions) | 2.8752% | 6,390 |
| Cash dividends to net income (ytd only)* | 64.4481% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 4,127 |
| Loan loss allowance to noncurrent loans | 112.8944% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 5,426 |
| Noncurrent loans to loans | 1.3096% | 4,528 |
| Net loans and leases to total assets | 59.6064% | 4,746 |
| Net loans and leases to deposits | 64.5437% | 5,570 |
| Net loans and leases to core deposits | 72.4267% | 5,168 |
| Total domestic deposits to total assets | 92.3505% | 212 |
| Equity capital to assets | 7.4218% | 6,923 |
| Core capital (leverage) ratio | 7.7781% | 6,460 |
| Tier 1 risk-based capital ratio | 10.3161% | 6,818 |
| Total risk-based capital ratio | 11.5478% | 6,798 |
| Memoranda: | ||
| Average total assets | $170,063,800 | 3,532 |
| Average earning assets | $156,029,200 | 3,522 |
| Average equity | $13,144,600 | 4,339 |
| Average total loans | $113,560,000 | 3,460 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6183% | 2,002 |
| Cost of funding earning assets | 1.1052% | 5,391 |
| Net interest margin | 4.5131% | 1,231 |
| Noninterest income to average assets | 0.6611% | 3,066 |
| Noninterest expense to average assets | 2.8655% | 4,222 |
| Loan and lease loss provision to assets | 0.4570% | 3,190 |
| Net operating income to assets | 1.4535% | 1,013 |
| Return on assets (ROA) | 1.4551% | 1,088 |
| Pretax return on assets | 1.4551% | 1,734 |
| Return on Equity (ROE) | 18.6221% | 420 |
| Retained earnings to average equity (ytd only) | 4.1075% | 3,585 |
| Net charge-offs to loans | 0.6368% | 2,839 |
| Credit loss provision to net charge-offs | 104.7706% | 4,090 |
| Earnings coverage of net charge-offs (x) | 4.3798% | 3,076 |
| Efficiency ratio | 59.9966% | 5,954 |
| Assets per employee ($millions) | 2.9278% | 6,312 |
| Cash dividends to net income (ytd only)* | 77.9429% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 4,452 |
| Loan loss allowance to noncurrent loans | 107.0545% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.9355% | 5,225 |
| Noncurrent loans to loans | 1.3082% | 4,677 |
| Net loans and leases to total assets | 70.5079% | 2,609 |
| Net loans and leases to deposits | 76.7799% | 4,040 |
| Net loans and leases to core deposits | 86.0932% | 3,638 |
| Total domestic deposits to total assets | 91.8311% | 222 |
| Equity capital to assets | 7.8360% | 6,910 |
| Core capital (leverage) ratio | 7.9040% | 6,461 |
| Tier 1 risk-based capital ratio | 9.4205% | 7,272 |
| Total risk-based capital ratio | 10.6433% | 7,287 |
| Memoranda: | ||
| Average total assets | $166,576,750 | 3,645 |
| Average earning assets | $151,881,000 | 3,656 |
| Average equity | $13,016,500 | 4,433 |
| Average total loans | $114,117,750 | 3,498 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 2,676 |
| Cost of funding earning assets | 1.1025% | 5,656 |
| Net interest margin | 4.3637% | 1,554 |
| Noninterest income to average assets | 0.6382% | 3,074 |
| Noninterest expense to average assets | 2.8884% | 4,120 |
| Loan and lease loss provision to assets | 0.2188% | 4,703 |
| Net operating income to assets | 1.5439% | 826 |
| Return on assets (ROA) | 1.5463% | 878 |
| Pretax return on assets | 1.5463% | 1,445 |
| Return on Equity (ROE) | 19.8079% | 331 |
| Retained earnings to average equity (ytd only) | -0.0311% | 5,737 |
| Net charge-offs to loans | 0.3893% | 3,421 |
| Credit loss provision to net charge-offs | 83.3333% | 4,615 |
| Earnings coverage of net charge-offs (x) | 6.7130% | 2,412 |
| Efficiency ratio | 62.1014% | 5,673 |
| Assets per employee ($millions) | 2.8396% | 6,480 |
| Cash dividends to net income (ytd only)* | 100.1572% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 4,391 |
| Loan loss allowance to noncurrent loans | 144.7917% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 5,741 |
| Noncurrent loans to loans | 0.9709% | 5,366 |
| Net loans and leases to total assets | 71.0277% | 2,647 |
| Net loans and leases to deposits | 77.4275% | 4,096 |
| Net loans and leases to core deposits | 85.6048% | 3,889 |
| Total domestic deposits to total assets | 91.7344% | 276 |
| Equity capital to assets | 7.9377% | 6,822 |
| Core capital (leverage) ratio | 7.8566% | 6,430 |
| Tier 1 risk-based capital ratio | 9.4977% | 7,263 |
| Total risk-based capital ratio | 10.7234% | 7,274 |
| Memoranda: | ||
| Average total assets | $164,522,000 | 3,699 |
| Average earning assets | $151,292,330 | 3,689 |
| Average equity | $12,843,330 | 4,471 |
| Average total loans | $110,981,670 | 3,607 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 4,096 |
| Cost of funding earning assets | 1.1128% | 5,839 |
| Net interest margin | 4.0740% | 2,550 |
| Noninterest income to average assets | 0.6276% | 3,103 |
| Noninterest expense to average assets | 2.7926% | 4,506 |
| Loan and lease loss provision to assets | 0.2189% | 4,309 |
| Net operating income to assets | 1.3476% | 1,191 |
| Return on assets (ROA) | 1.3476% | 1,263 |
| Pretax return on assets | 1.3476% | 1,911 |
| Return on Equity (ROE) | 17.4097% | 569 |
| Retained earnings to average equity (ytd only) | -18.2268% | 7,314 |
| Net charge-offs to loans | 0.5749% | 2,366 |
| Credit loss provision to net charge-offs | 58.4416% | 4,330 |
| Earnings coverage of net charge-offs (x) | 4.1818% | 2,683 |
| Efficiency ratio | 64.0625% | 5,482 |
| Assets per employee ($millions) | 3.0358% | 6,134 |
| Cash dividends to net income (ytd only)* | 204.6931% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 3,867 |
| Loan loss allowance to noncurrent loans | 200.9804% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 6,240 |
| Noncurrent loans to loans | 0.7505% | 5,825 |
| Net loans and leases to total assets | 65.3240% | 4,034 |
| Net loans and leases to deposits | 70.9500% | 5,210 |
| Net loans and leases to core deposits | 77.6871% | 5,060 |
| Total domestic deposits to total assets | 92.0705% | 226 |
| Equity capital to assets | 7.5714% | 7,014 |
| Core capital (leverage) ratio | 7.5988% | 6,738 |
| Tier 1 risk-based capital ratio | 9.6778% | 7,220 |
| Total risk-based capital ratio | 10.9280% | 7,209 |
| Memoranda: | ||
| Average total assets | $164,435,500 | 3,757 |
| Average earning assets | $150,612,500 | 3,746 |
| Average equity | $12,728,500 | 4,535 |
| Average total loans | $107,149,000 | 3,752 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0616% | 1,632 |
| Cost of funding earning assets | 1.4833% | 5,581 |
| Net interest margin | 4.5783% | 1,024 |
| Noninterest income to average assets | 0.7267% | 2,804 |
| Noninterest expense to average assets | 3.1627% | 3,500 |
| Loan and lease loss provision to assets | 0.2398% | 5,460 |
| Net operating income to assets | 1.5021% | 671 |
| Return on assets (ROA) | 1.5021% | 721 |
| Pretax return on assets | 1.5021% | 1,184 |
| Return on Equity (ROE) | 18.4395% | 335 |
| Retained earnings to average equity (ytd only) | 4.9063% | 1,865 |
| Net charge-offs to loans | 0.0817% | 6,290 |
| Credit loss provision to net charge-offs | 428.5714% | 728 |
| Earnings coverage of net charge-offs (x) | 31.1310% | 739 |
| Efficiency ratio | 64.4846% | 5,679 |
| Assets per employee ($millions) | 2.8937% | 6,465 |
| Cash dividends to net income (ytd only)* | 73.3925% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 3,220 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 5,728 |
| Noncurrent loans to loans | 1.0761% | 5,167 |
| Net loans and leases to total assets | 62.9730% | 4,822 |
| Net loans and leases to deposits | 68.5822% | 5,766 |
| Net loans and leases to core deposits | 91.6678% | 4,931 |
| Total domestic deposits to total assets | 91.8212% | 299 |
| Equity capital to assets | 7.9090% | 6,664 |
| Core capital (leverage) ratio | 8.3736% | 5,492 |
| Tier 1 risk-based capital ratio | 10.3149% | 6,574 |
| Total risk-based capital ratio | 11.5661% | 6,544 |
| Memoranda: | ||
| Average total assets | $150,123,200 | 3,957 |
| Average earning assets | $136,993,400 | 3,956 |
| Average equity | $12,229,200 | 4,700 |
| Average total loans | $102,832,600 | 3,874 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1661% | 1,455 |
| Cost of funding earning assets | 1.5528% | 5,619 |
| Net interest margin | 4.6133% | 970 |
| Noninterest income to average assets | 0.7421% | 2,752 |
| Noninterest expense to average assets | 3.2527% | 3,114 |
| Loan and lease loss provision to assets | 0.2459% | 4,991 |
| Net operating income to assets | 1.4451% | 931 |
| Return on assets (ROA) | 1.4451% | 991 |
| Pretax return on assets | 1.4451% | 1,582 |
| Return on Equity (ROE) | 17.5959% | 492 |
| Retained earnings to average equity (ytd only) | 0.7983% | 4,845 |
| Net charge-offs to loans | 0.0640% | 6,055 |
| Credit loss provision to net charge-offs | 551.0204% | 711 |
| Earnings coverage of net charge-offs (x) | 37.8990% | 781 |
| Efficiency ratio | 65.7948% | 5,404 |
| Assets per employee ($millions) | 2.5702% | 7,111 |
| Cash dividends to net income (ytd only)* | 95.4630% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 3,570 |
| Loan loss allowance to noncurrent loans | 212.7742% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 6,161 |
| Noncurrent loans to loans | 0.6938% | 5,916 |
| Net loans and leases to total assets | 73.8271% | 2,579 |
| Net loans and leases to deposits | 82.2342% | 3,974 |
| Net loans and leases to core deposits | 108.8221% | 3,368 |
| Total domestic deposits to total assets | 89.7766% | 855 |
| Equity capital to assets | 8.3954% | 6,391 |
| Core capital (leverage) ratio | 8.3259% | 5,793 |
| Tier 1 risk-based capital ratio | 9.7512% | 7,186 |
| Total risk-based capital ratio | 11.0017% | 7,152 |
| Memoranda: | ||
| Average total assets | $146,419,250 | 4,031 |
| Average earning assets | $133,350,000 | 4,048 |
| Average equity | $12,025,250 | 4,782 |
| Average total loans | $102,148,000 | 3,934 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0175% | 2,115 |
| Cost of funding earning assets | 1.5833% | 5,799 |
| Net interest margin | 4.4342% | 1,325 |
| Noninterest income to average assets | 0.7132% | 2,908 |
| Noninterest expense to average assets | 3.3078% | 2,922 |
| Loan and lease loss provision to assets | 0.2474% | 4,602 |
| Net operating income to assets | 1.1722% | 1,554 |
| Return on assets (ROA) | 1.1722% | 1,636 |
| Pretax return on assets | 1.1722% | 2,383 |
| Return on Equity (ROE) | 14.3821% | 928 |
| Retained earnings to average equity (ytd only) | -8.8012% | 6,753 |
| Net charge-offs to loans | 0.1010% | 5,149 |
| Credit loss provision to net charge-offs | 360.0000% | 1,287 |
| Earnings coverage of net charge-offs (x) | 20.6600% | 1,305 |
| Efficiency ratio | 69.9709% | 4,788 |
| Assets per employee ($millions) | 2.6676% | 6,908 |
| Cash dividends to net income (ytd only)* | 161.1958% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 3,416 |
| Loan loss allowance to noncurrent loans | 143.5945% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 5,562 |
| Noncurrent loans to loans | 1.0165% | 5,175 |
| Net loans and leases to total assets | 71.6911% | 3,299 |
| Net loans and leases to deposits | 79.3433% | 4,649 |
| Net loans and leases to core deposits | 104.6035% | 4,000 |
| Total domestic deposits to total assets | 90.3556% | 682 |
| Equity capital to assets | 8.0100% | 6,738 |
| Core capital (leverage) ratio | 8.1122% | 6,144 |
| Tier 1 risk-based capital ratio | 9.6545% | 7,269 |
| Total risk-based capital ratio | 10.9049% | 7,214 |
| Memoranda: | ||
| Average total assets | $145,535,670 | 4,075 |
| Average earning assets | $131,749,000 | 4,107 |
| Average equity | $11,862,000 | 4,852 |
| Average total loans | $98,963,000 | 4,040 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8978% | 2,808 |
| Cost of funding earning assets | 1.6179% | 5,954 |
| Net interest margin | 4.2798% | 1,649 |
| Noninterest income to average assets | 0.7286% | 2,713 |
| Noninterest expense to average assets | 3.1515% | 3,189 |
| Loan and lease loss provision to assets | 0.2484% | 3,985 |
| Net operating income to assets | 1.1977% | 1,657 |
| Return on assets (ROA) | 1.1977% | 1,773 |
| Pretax return on assets | 1.1977% | 2,633 |
| Return on Equity (ROE) | 14.5674% | 1,060 |
| Retained earnings to average equity (ytd only) | -26.9195% | 7,814 |
| Net charge-offs to loans | 0.0042% | 5,658 |
| Credit loss provision to net charge-offs | 9,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 524.0000% | 52 |
| Efficiency ratio | 68.5474% | 4,859 |
| Assets per employee ($millions) | 2.7688% | 6,713 |
| Cash dividends to net income (ytd only)* | 284.7926% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 2,586 |
| Loan loss allowance to noncurrent loans | 191.5404% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 5,820 |
| Noncurrent loans to loans | 0.8267% | 5,380 |
| Net loans and leases to total assets | 65.4859% | 4,708 |
| Net loans and leases to deposits | 71.4954% | 5,807 |
| Net loans and leases to core deposits | 93.7759% | 5,180 |
| Total domestic deposits to total assets | 91.5946% | 254 |
| Equity capital to assets | 7.9651% | 6,861 |
| Core capital (leverage) ratio | 7.9378% | 6,563 |
| Tier 1 risk-based capital ratio | 10.2502% | 6,648 |
| Total risk-based capital ratio | 11.5016% | 6,571 |
| Memoranda: | ||
| Average total assets | $144,945,000 | 4,094 |
| Average earning assets | $131,033,000 | 4,132 |
| Average equity | $11,917,000 | 4,859 |
| Average total loans | $95,074,000 | 4,176 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9157% | 1,357 |
| Cost of funding earning assets | 2.0369% | 6,291 |
| Net interest margin | 4.8789% | 657 |
| Noninterest income to average assets | 0.7678% | 2,680 |
| Noninterest expense to average assets | 3.1121% | 3,649 |
| Loan and lease loss provision to assets | 0.2668% | 4,265 |
| Net operating income to assets | 1.8306% | 523 |
| Return on assets (ROA) | 1.8306% | 502 |
| Pretax return on assets | 1.8306% | 887 |
| Return on Equity (ROE) | 21.2400% | 290 |
| Retained earnings to average equity (ytd only) | 7.4211% | 1,010 |
| Net charge-offs to loans | 0.0824% | 5,590 |
| Credit loss provision to net charge-offs | 473.6842% | 927 |
| Earnings coverage of net charge-offs (x) | 37.2368% | 995 |
| Efficiency ratio | 59.7382% | 6,398 |
| Assets per employee ($millions) | 2.8060% | 6,545 |
| Cash dividends to net income (ytd only)* | 65.0607% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 2,613 |
| Loan loss allowance to noncurrent loans | 166.2398% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 5,421 |
| Noncurrent loans to loans | 0.9105% | 4,802 |
| Net loans and leases to total assets | 63.6806% | 5,344 |
| Net loans and leases to deposits | 69.8199% | 6,290 |
| Net loans and leases to core deposits | 89.8044% | 5,817 |
| Total domestic deposits to total assets | 91.2070% | 269 |
| Equity capital to assets | 8.4750% | 6,127 |
| Core capital (leverage) ratio | 8.7197% | 5,162 |
| Tier 1 risk-based capital ratio | 11.2267% | 5,512 |
| Total risk-based capital ratio | 12.4771% | 5,395 |
| Memoranda: | ||
| Average total assets | $134,925,000 | 4,186 |
| Average earning assets | $122,836,000 | 4,195 |
| Average equity | $11,629,000 | 4,935 |
| Average total loans | $92,243,400 | 4,152 |