Home > The First National Bank of McConnelsville > Performance and Condition Ratios
The First National Bank of McConnelsville, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 3,801 |
| Cost of funding earning assets | 0.9419% | 4,045 |
| Net interest margin | 3.6269% | 2,021 |
| Noninterest income to average assets | 0.5000% | 1,747 |
| Noninterest expense to average assets | 2.7649% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8670% | 2,672 |
| Return on assets (ROA) | 0.8670% | 2,676 |
| Pretax return on assets | 1.0699% | 2,576 |
| Return on Equity (ROE) | 8.7100% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.7055% | 1,505 |
| Net charge-offs to loans | 0.0037% | 2,146 |
| Credit loss provision to net charge-offs | -300.0000% | 4,408 |
| Earnings coverage of net charge-offs (x) | 522.0000% | 183 |
| Efficiency ratio | 72.0470% | 1,617 |
| Assets per employee ($millions) | 3.7924% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 2,838 |
| Loan loss allowance to noncurrent loans | 309.7035% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 2,569 |
| Noncurrent loans to loans | 0.3473% | 2,264 |
| Net loans and leases to total assets | 53.5900% | 3,375 |
| Net loans and leases to deposits | 59.9784% | 3,484 |
| Net loans and leases to core deposits | 61.2361% | 3,646 |
| Total domestic deposits to total assets | 89.3500% | 1,040 |
| Equity capital to assets | 10.0839% | 2,170 |
| Core capital (leverage) ratio | 7.9845% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5521% | 705 |
| Memoranda: | ||
| Average total assets | $195,161,000 | 3,041 |
| Average earning assets | $179,215,500 | 3,050 |
| Average equity | $19,436,000 | 3,044 |
| Average total loans | $108,443,500 | 3,134 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 3,683 |
| Cost of funding earning assets | 0.9817% | 4,043 |
| Net interest margin | 3.6569% | 1,773 |
| Noninterest income to average assets | 0.5500% | 1,704 |
| Noninterest expense to average assets | 2.7613% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9014% | 2,374 |
| Return on assets (ROA) | 0.9014% | 2,378 |
| Pretax return on assets | 1.1134% | 2,196 |
| Return on Equity (ROE) | 9.4700% | 2,306 |
| Retained earnings to average equity (ytd only) | 6.3504% | 1,689 |
| Net charge-offs to loans | -0.0163% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 71.1759% | 1,859 |
| Assets per employee ($millions) | 3.7866% | 4,145 |
| Cash dividends to net income (ytd only)* | 32.9268% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 2,967 |
| Loan loss allowance to noncurrent loans | 246.1538% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 2,297 |
| Noncurrent loans to loans | 0.4252% | 2,002 |
| Net loans and leases to total assets | 56.3900% | 3,236 |
| Net loans and leases to deposits | 62.8882% | 3,394 |
| Net loans and leases to core deposits | 64.7142% | 3,584 |
| Total domestic deposits to total assets | 89.6700% | 923 |
| Equity capital to assets | 9.8313% | 2,232 |
| Core capital (leverage) ratio | 7.8907% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4321% | 831 |
| Memoranda: | ||
| Average total assets | $191,036,600 | 3,053 |
| Average earning assets | $173,890,400 | 3,062 |
| Average equity | $18,187,800 | 3,090 |
| Average total loans | $110,407,600 | 3,098 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 3,703 |
| Cost of funding earning assets | 0.9771% | 4,069 |
| Net interest margin | 3.6198% | 1,795 |
| Noninterest income to average assets | 0.5500% | 1,685 |
| Noninterest expense to average assets | 2.7566% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.8818% | 2,440 |
| Return on assets (ROA) | 0.8818% | 2,450 |
| Pretax return on assets | 1.0875% | 2,283 |
| Return on Equity (ROE) | 9.3400% | 2,376 |
| Retained earnings to average equity (ytd only) | 7.3083% | 1,633 |
| Net charge-offs to loans | -0.0229% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.6079% | 1,833 |
| Assets per employee ($millions) | 3.8558% | 4,158 |
| Cash dividends to net income (ytd only)* | 21.7460% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 2,840 |
| Loan loss allowance to noncurrent loans | 255.4604% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 2,261 |
| Noncurrent loans to loans | 0.4243% | 2,016 |
| Net loans and leases to total assets | 57.6200% | 3,132 |
| Net loans and leases to deposits | 64.6424% | 3,322 |
| Net loans and leases to core deposits | 66.5550% | 3,547 |
| Total domestic deposits to total assets | 89.1400% | 853 |
| Equity capital to assets | 10.2304% | 2,144 |
| Core capital (leverage) ratio | 7.9162% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3651% | 878 |
| Memoranda: | ||
| Average total assets | $190,516,500 | 3,052 |
| Average earning assets | $173,303,500 | 3,077 |
| Average equity | $17,988,250 | 3,102 |
| Average total loans | $110,496,250 | 3,099 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5344% | 3,729 |
| Cost of funding earning assets | 0.9631% | 4,060 |
| Net interest margin | 3.5713% | 1,834 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 2.7093% | 1,661 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.8689% | 2,391 |
| Return on assets (ROA) | 0.8689% | 2,408 |
| Pretax return on assets | 1.0710% | 2,285 |
| Return on Equity (ROE) | 9.4600% | 2,320 |
| Retained earnings to average equity (ytd only) | 6.3393% | 1,886 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.5431% | 1,913 |
| Assets per employee ($millions) | 3.7253% | 4,217 |
| Cash dividends to net income (ytd only)* | 33.0120% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 3,009 |
| Loan loss allowance to noncurrent loans | 171.1370% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 1,750 |
| Noncurrent loans to loans | 0.6151% | 1,492 |
| Net loans and leases to total assets | 56.9600% | 3,189 |
| Net loans and leases to deposits | 63.0707% | 3,414 |
| Net loans and leases to core deposits | 64.8514% | 3,587 |
| Total domestic deposits to total assets | 90.3200% | 622 |
| Equity capital to assets | 9.2518% | 2,573 |
| Core capital (leverage) ratio | 7.5789% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3975% | 1,020 |
| Memoranda: | ||
| Average total assets | $191,043,333 | 3,051 |
| Average earning assets | $173,604,667 | 3,076 |
| Average equity | $17,541,333 | 3,113 |
| Average total loans | $110,639,333 | 3,099 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 3,790 |
| Cost of funding earning assets | 0.9520% | 4,034 |
| Net interest margin | 3.4760% | 1,943 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 2.7263% | 1,621 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.7717% | 2,625 |
| Return on assets (ROA) | 0.7717% | 2,638 |
| Pretax return on assets | 0.9488% | 2,528 |
| Return on Equity (ROE) | 8.4400% | 2,569 |
| Retained earnings to average equity (ytd only) | 8.4376% | 1,443 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 73.9130% | 1,756 |
| Assets per employee ($millions) | 3.8445% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 2,985 |
| Loan loss allowance to noncurrent loans | 232.4752% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 2,054 |
| Noncurrent loans to loans | 0.4575% | 1,785 |
| Net loans and leases to total assets | 56.8100% | 3,135 |
| Net loans and leases to deposits | 62.8026% | 3,355 |
| Net loans and leases to core deposits | 64.5706% | 3,570 |
| Total domestic deposits to total assets | 90.4500% | 654 |
| Equity capital to assets | 9.0992% | 2,614 |
| Core capital (leverage) ratio | 7.6009% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5401% | 996 |
| Memoranda: | ||
| Average total assets | $189,708,500 | 3,070 |
| Average earning assets | $172,267,500 | 3,097 |
| Average equity | $17,351,000 | 3,143 |
| Average total loans | $110,200,000 | 3,108 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 3,669 |
| Cost of funding earning assets | 0.6666% | 3,974 |
| Net interest margin | 3.5102% | 2,159 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.6885% | 1,766 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8310% | 2,776 |
| Return on assets (ROA) | 0.8310% | 2,751 |
| Pretax return on assets | 1.0271% | 2,596 |
| Return on Equity (ROE) | 9.6000% | 2,609 |
| Retained earnings to average equity (ytd only) | 6.5629% | 2,036 |
| Net charge-offs to loans | 0.0307% | 1,685 |
| Credit loss provision to net charge-offs | 181.8182% | 1,300 |
| Earnings coverage of net charge-offs (x) | 60.0606% | 1,188 |
| Efficiency ratio | 71.6812% | 1,691 |
| Assets per employee ($millions) | 3.6704% | 4,247 |
| Cash dividends to net income (ytd only)* | 31.6399% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,011 |
| Loan loss allowance to noncurrent loans | 182.3713% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 1,593 |
| Noncurrent loans to loans | 0.5826% | 1,346 |
| Net loans and leases to total assets | 58.1500% | 3,025 |
| Net loans and leases to deposits | 64.3333% | 3,275 |
| Net loans and leases to core deposits | 66.1817% | 3,487 |
| Total domestic deposits to total assets | 90.3900% | 654 |
| Equity capital to assets | 9.1944% | 2,550 |
| Core capital (leverage) ratio | 7.5589% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9640% | 1,081 |
| Memoranda: | ||
| Average total assets | $187,133,800 | 3,073 |
| Average earning assets | $168,764,400 | 3,107 |
| Average equity | $16,197,200 | 3,164 |
| Average total loans | $107,568,200 | 3,095 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0727% | 3,702 |
| Cost of funding earning assets | 0.6261% | 3,930 |
| Net interest margin | 3.4466% | 2,347 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.6891% | 1,696 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7895% | 3,053 |
| Return on assets (ROA) | 0.7895% | 3,053 |
| Pretax return on assets | 0.9748% | 2,921 |
| Return on Equity (ROE) | 9.2700% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.3339% | 2,188 |
| Net charge-offs to loans | 0.0411% | 1,298 |
| Credit loss provision to net charge-offs | 136.3636% | 1,377 |
| Earnings coverage of net charge-offs (x) | 42.8182% | 1,408 |
| Efficiency ratio | 72.7010% | 1,486 |
| Assets per employee ($millions) | 3.7958% | 4,234 |
| Cash dividends to net income (ytd only)* | 20.8484% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,051 |
| Loan loss allowance to noncurrent loans | 130.1015% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 1,213 |
| Noncurrent loans to loans | 0.8175% | 1,012 |
| Net loans and leases to total assets | 57.7200% | 3,051 |
| Net loans and leases to deposits | 63.4648% | 3,295 |
| Net loans and leases to core deposits | 64.5649% | 3,503 |
| Total domestic deposits to total assets | 90.9400% | 686 |
| Equity capital to assets | 8.7067% | 2,597 |
| Core capital (leverage) ratio | 7.4802% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9518% | 1,112 |
| Memoranda: | ||
| Average total assets | $187,119,500 | 3,081 |
| Average earning assets | $168,665,250 | 3,115 |
| Average equity | $15,943,750 | 3,176 |
| Average total loans | $106,953,250 | 3,105 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 3,684 |
| Cost of funding earning assets | 0.5713% | 3,831 |
| Net interest margin | 3.4316% | 2,441 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.6625% | 1,743 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7830% | 3,134 |
| Return on assets (ROA) | 0.7830% | 3,148 |
| Pretax return on assets | 0.9686% | 2,998 |
| Return on Equity (ROE) | 9.2600% | 2,904 |
| Retained earnings to average equity (ytd only) | 6.3429% | 2,498 |
| Net charge-offs to loans | 0.0432% | 1,073 |
| Credit loss provision to net charge-offs | 130.4348% | 1,287 |
| Earnings coverage of net charge-offs (x) | 40.7826% | 1,388 |
| Efficiency ratio | 72.6267% | 1,495 |
| Assets per employee ($millions) | 3.6708% | 4,298 |
| Cash dividends to net income (ytd only)* | 31.4714% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 3,091 |
| Loan loss allowance to noncurrent loans | 176.2270% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 1,520 |
| Noncurrent loans to loans | 0.6069% | 1,230 |
| Net loans and leases to total assets | 56.7700% | 3,063 |
| Net loans and leases to deposits | 62.2986% | 3,287 |
| Net loans and leases to core deposits | 63.3630% | 3,484 |
| Total domestic deposits to total assets | 91.1300% | 613 |
| Equity capital to assets | 8.5544% | 2,818 |
| Core capital (leverage) ratio | 7.2610% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5459% | 1,205 |
| Memoranda: | ||
| Average total assets | $187,494,333 | 3,084 |
| Average earning assets | $168,725,333 | 3,119 |
| Average equity | $15,860,333 | 3,200 |
| Average total loans | $106,435,667 | 3,104 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 3,669 |
| Cost of funding earning assets | 0.5001% | 3,686 |
| Net interest margin | 3.4009% | 2,634 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.6413% | 1,836 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.7589% | 3,324 |
| Return on assets (ROA) | 0.7589% | 3,273 |
| Pretax return on assets | 0.9423% | 3,145 |
| Return on Equity (ROE) | 9.0200% | 3,045 |
| Retained earnings to average equity (ytd only) | 9.0224% | 1,945 |
| Net charge-offs to loans | 0.0604% | 772 |
| Credit loss provision to net charge-offs | 93.7500% | 1,162 |
| Earnings coverage of net charge-offs (x) | 28.5625% | 1,327 |
| Efficiency ratio | 72.9953% | 1,435 |
| Assets per employee ($millions) | 3.7294% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 3,149 |
| Loan loss allowance to noncurrent loans | 443.9689% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 2,471 |
| Noncurrent loans to loans | 0.2434% | 2,281 |
| Net loans and leases to total assets | 56.0200% | 3,040 |
| Net loans and leases to deposits | 61.5580% | 3,256 |
| Net loans and leases to core deposits | 62.1528% | 3,440 |
| Total domestic deposits to total assets | 91.0100% | 800 |
| Equity capital to assets | 8.6513% | 2,782 |
| Core capital (leverage) ratio | 7.1935% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5851% | 1,242 |
| Memoranda: | ||
| Average total assets | $187,635,000 | 3,121 |
| Average earning assets | $168,777,000 | 3,161 |
| Average equity | $15,783,000 | 3,232 |
| Average total loans | $105,938,000 | 3,136 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4411% | 3,233 |
| Cost of funding earning assets | 0.3441% | 2,527 |
| Net interest margin | 3.0970% | 3,178 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.5662% | 1,920 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.6293% | 3,806 |
| Return on assets (ROA) | 0.6293% | 3,759 |
| Pretax return on assets | 0.7752% | 3,683 |
| Return on Equity (ROE) | 7.5700% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.6427% | 2,770 |
| Net charge-offs to loans | 0.0228% | 1,607 |
| Credit loss provision to net charge-offs | 250.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 1,204 |
| Efficiency ratio | 76.0117% | 1,007 |
| Assets per employee ($millions) | 3.7760% | 4,356 |
| Cash dividends to net income (ytd only)* | 25.4967% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,010 |
| Loan loss allowance to noncurrent loans | 127.0300% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 1,045 |
| Noncurrent loans to loans | 0.8460% | 886 |
| Net loans and leases to total assets | 55.6800% | 3,065 |
| Net loans and leases to deposits | 60.8041% | 3,285 |
| Net loans and leases to core deposits | 61.2868% | 3,433 |
| Total domestic deposits to total assets | 91.5800% | 758 |
| Equity capital to assets | 8.1747% | 2,950 |
| Core capital (leverage) ratio | 6.8417% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1166% | 1,343 |
| Memoranda: | ||
| Average total assets | $191,958,200 | 3,088 |
| Average earning assets | $174,392,600 | 3,109 |
| Average equity | $15,949,800 | 3,280 |
| Average total loans | $105,423,000 | 3,078 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3052% | 3,163 |
| Cost of funding earning assets | 0.3247% | 1,918 |
| Net interest margin | 2.9805% | 3,270 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.5490% | 1,867 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5624% | 3,932 |
| Return on assets (ROA) | 0.5624% | 3,885 |
| Pretax return on assets | 0.6917% | 3,815 |
| Return on Equity (ROE) | 6.7400% | 3,643 |
| Retained earnings to average equity (ytd only) | 5.4646% | 2,933 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.8224% | 926 |
| Assets per employee ($millions) | 3.7541% | 4,411 |
| Cash dividends to net income (ytd only)* | 18.9422% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,106 |
| Loan loss allowance to noncurrent loans | 295.8869% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 2,249 |
| Noncurrent loans to loans | 0.3647% | 1,931 |
| Net loans and leases to total assets | 55.1000% | 2,994 |
| Net loans and leases to deposits | 59.9498% | 3,203 |
| Net loans and leases to core deposits | 60.8151% | 3,322 |
| Total domestic deposits to total assets | 91.9200% | 906 |
| Equity capital to assets | 7.8252% | 3,006 |
| Core capital (leverage) ratio | 6.6106% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6492% | 1,518 |
| Memoranda: | ||
| Average total assets | $192,747,500 | 3,107 |
| Average earning assets | $175,312,750 | 3,127 |
| Average equity | $16,078,750 | 3,309 |
| Average total loans | $105,211,000 | 3,093 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 3,122 |
| Cost of funding earning assets | 0.3082% | 1,649 |
| Net interest margin | 2.8682% | 3,247 |
| Noninterest income to average assets | 0.5415% | 1,988 |
| Noninterest expense to average assets | 2.5334% | 1,826 |
| Loan and lease loss provision to assets | 0.0311% | 2,031 |
| Net operating income to assets | 0.4866% | 3,930 |
| Return on assets (ROA) | 0.4866% | 3,878 |
| Pretax return on assets | 0.5974% | 3,822 |
| Return on Equity (ROE) | 5.7163% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.8433% | 3,146 |
| Net charge-offs to loans | -0.0057% | 3,388 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0589% | 943 |
| Assets per employee ($millions) | 3.7885% | 4,456 |
| Cash dividends to net income (ytd only)* | 32.7660% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,244 |
| Loan loss allowance to noncurrent loans | 274.4578% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 2,243 |
| Noncurrent loans to loans | 0.3930% | 1,953 |
| Net loans and leases to total assets | 54.0579% | 2,960 |
| Net loans and leases to deposits | 58.8204% | 3,147 |
| Net loans and leases to core deposits | 59.7474% | 3,289 |
| Total domestic deposits to total assets | 91.9033% | 879 |
| Equity capital to assets | 7.8281% | 3,246 |
| Core capital (leverage) ratio | 6.3304% | 4,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8309% | 1,474 |
| Memoranda: | ||
| Average total assets | $193,177,000 | 3,136 |
| Average earning assets | $176,485,667 | 3,159 |
| Average equity | $16,444,333 | 3,363 |
| Average total loans | $104,730,333 | 3,125 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0675% | 3,060 |
| Cost of funding earning assets | 0.3040% | 1,621 |
| Net interest margin | 2.7635% | 3,243 |
| Noninterest income to average assets | 0.5219% | 2,033 |
| Noninterest expense to average assets | 2.4974% | 1,887 |
| Loan and lease loss provision to assets | 0.0311% | 1,806 |
| Net operating income to assets | 0.4204% | 3,911 |
| Return on assets (ROA) | 0.4204% | 3,874 |
| Pretax return on assets | 0.5156% | 3,844 |
| Return on Equity (ROE) | 4.7474% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.7474% | 2,683 |
| Net charge-offs to loans | 0.0153% | 1,234 |
| Credit loss provision to net charge-offs | 375.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 817 |
| Efficiency ratio | 81.9728% | 982 |
| Assets per employee ($millions) | 3.8610% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,449 |
| Loan loss allowance to noncurrent loans | 390.5594% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 2,739 |
| Noncurrent loans to loans | 0.2745% | 2,490 |
| Net loans and leases to total assets | 54.4767% | 2,700 |
| Net loans and leases to deposits | 59.9227% | 2,912 |
| Net loans and leases to core deposits | 60.8953% | 3,073 |
| Total domestic deposits to total assets | 90.9117% | 1,080 |
| Equity capital to assets | 8.6501% | 3,023 |
| Core capital (leverage) ratio | 6.3626% | 4,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5575% | 1,629 |
| Memoranda: | ||
| Average total assets | $193,158,000 | 3,146 |
| Average earning assets | $176,299,500 | 3,170 |
| Average equity | $17,104,000 | 3,388 |
| Average total loans | $104,302,000 | 3,135 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 3,342 |
| Cost of funding earning assets | 0.4715% | 1,053 |
| Net interest margin | 2.7789% | 3,716 |
| Noninterest income to average assets | 0.5093% | 2,518 |
| Noninterest expense to average assets | 2.3879% | 2,525 |
| Loan and lease loss provision to assets | 0.0410% | 2,227 |
| Net operating income to assets | 0.4965% | 4,094 |
| Return on assets (ROA) | 0.4965% | 4,137 |
| Pretax return on assets | 0.6072% | 4,095 |
| Return on Equity (ROE) | 5.4060% | 3,906 |
| Retained earnings to average equity (ytd only) | 3.6859% | 3,349 |
| Net charge-offs to loans | 0.0050% | 2,417 |
| Credit loss provision to net charge-offs | 1,600.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 252.8000% | 460 |
| Efficiency ratio | 78.5473% | 901 |
| Assets per employee ($millions) | 3.8652% | 4,463 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 3,529 |
| Loan loss allowance to noncurrent loans | 351.1111% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 2,824 |
| Noncurrent loans to loans | 0.3017% | 2,514 |
| Net loans and leases to total assets | 52.4114% | 3,010 |
| Net loans and leases to deposits | 58.0341% | 3,255 |
| Net loans and leases to core deposits | 58.9406% | 3,395 |
| Total domestic deposits to total assets | 90.3113% | 802 |
| Equity capital to assets | 9.0515% | 3,567 |
| Core capital (leverage) ratio | 5.9687% | 4,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2414% | 1,757 |
| Memoranda: | ||
| Average total assets | $194,979,200 | 3,097 |
| Average earning assets | $177,299,000 | 3,113 |
| Average equity | $17,906,000 | 3,394 |
| Average total loans | $100,765,800 | 3,186 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2880% | 3,419 |
| Cost of funding earning assets | 0.4829% | 1,149 |
| Net interest margin | 2.8051% | 3,768 |
| Noninterest income to average assets | 0.5122% | 2,572 |
| Noninterest expense to average assets | 2.4123% | 2,403 |
| Loan and lease loss provision to assets | 0.0411% | 2,173 |
| Net operating income to assets | 0.4944% | 4,219 |
| Return on assets (ROA) | 0.4944% | 4,263 |
| Pretax return on assets | 0.6041% | 4,228 |
| Return on Equity (ROE) | 5.3639% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.2182% | 3,503 |
| Net charge-offs to loans | 0.0093% | 1,970 |
| Credit loss provision to net charge-offs | 857.1429% | 560 |
| Earnings coverage of net charge-offs (x) | 134.4286% | 724 |
| Efficiency ratio | 78.7845% | 820 |
| Assets per employee ($millions) | 3.8342% | 4,530 |
| Cash dividends to net income (ytd only)* | 21.3592% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,707 |
| Loan loss allowance to noncurrent loans | 618.8571% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 3,513 |
| Noncurrent loans to loans | 0.1682% | 3,277 |
| Net loans and leases to total assets | 51.6506% | 3,231 |
| Net loans and leases to deposits | 57.2740% | 3,464 |
| Net loans and leases to core deposits | 58.0754% | 3,626 |
| Total domestic deposits to total assets | 90.1816% | 692 |
| Equity capital to assets | 9.0902% | 3,752 |
| Core capital (leverage) ratio | 6.0728% | 4,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4730% | 1,805 |
| Memoranda: | ||
| Average total assets | $194,442,250 | 3,142 |
| Average earning assets | $176,436,250 | 3,157 |
| Average equity | $17,921,750 | 3,432 |
| Average total loans | $99,851,500 | 3,241 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4326% | 3,073 |
| Cost of funding earning assets | 0.4936% | 1,239 |
| Net interest margin | 2.9390% | 3,478 |
| Noninterest income to average assets | 0.5114% | 2,577 |
| Noninterest expense to average assets | 2.4492% | 2,311 |
| Loan and lease loss provision to assets | 0.0622% | 1,799 |
| Net operating income to assets | 0.5405% | 4,133 |
| Return on assets (ROA) | 0.5405% | 4,179 |
| Pretax return on assets | 0.6618% | 4,142 |
| Return on Equity (ROE) | 5.8361% | 3,949 |
| Retained earnings to average equity (ytd only) | 4.1110% | 3,486 |
| Net charge-offs to loans | 0.0081% | 1,835 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 174.5000% | 538 |
| Efficiency ratio | 77.0840% | 984 |
| Assets per employee ($millions) | 3.7884% | 4,557 |
| Cash dividends to net income (ytd only)* | 29.5585% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,710 |
| Loan loss allowance to noncurrent loans | 524.6377% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 3,508 |
| Noncurrent loans to loans | 0.1967% | 3,245 |
| Net loans and leases to total assets | 53.9113% | 3,138 |
| Net loans and leases to deposits | 59.9074% | 3,395 |
| Net loans and leases to core deposits | 60.7732% | 3,563 |
| Total domestic deposits to total assets | 89.9911% | 783 |
| Equity capital to assets | 9.2408% | 3,570 |
| Core capital (leverage) ratio | 6.0395% | 4,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2383% | 1,893 |
| Memoranda: | ||
| Average total assets | $192,796,333 | 3,153 |
| Average earning assets | $174,618,000 | 3,179 |
| Average equity | $17,854,333 | 3,442 |
| Average total loans | $98,447,333 | 3,276 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3607% | 3,306 |
| Cost of funding earning assets | 0.5048% | 1,362 |
| Net interest margin | 2.8559% | 3,624 |
| Noninterest income to average assets | 0.4943% | 2,638 |
| Noninterest expense to average assets | 2.4009% | 2,486 |
| Loan and lease loss provision to assets | 0.0312% | 2,368 |
| Net operating income to assets | 0.5172% | 4,142 |
| Return on assets (ROA) | 0.5172% | 4,178 |
| Pretax return on assets | 0.6355% | 4,133 |
| Return on Equity (ROE) | 5.5784% | 3,975 |
| Retained earnings to average equity (ytd only) | 5.5784% | 3,037 |
| Net charge-offs to loans | -0.0042% | 3,327 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1313% | 944 |
| Assets per employee ($millions) | 3.7524% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,618 |
| Loan loss allowance to noncurrent loans | 1,035.6436% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,999 |
| Noncurrent loans to loans | 0.1023% | 3,796 |
| Net loans and leases to total assets | 51.0647% | 3,533 |
| Net loans and leases to deposits | 56.7062% | 3,737 |
| Net loans and leases to core deposits | 57.5314% | 3,870 |
| Total domestic deposits to total assets | 90.0514% | 797 |
| Equity capital to assets | 9.2678% | 3,428 |
| Core capital (leverage) ratio | 6.0137% | 4,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6517% | 1,689 |
| Memoranda: | ||
| Average total assets | $192,590,500 | 3,144 |
| Average earning assets | $173,536,000 | 3,181 |
| Average equity | $17,854,500 | 3,437 |
| Average total loans | $95,047,500 | 3,337 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4875% | 4,050 |
| Cost of funding earning assets | 0.6604% | 1,932 |
| Net interest margin | 2.8272% | 4,220 |
| Noninterest income to average assets | 0.5267% | 2,520 |
| Noninterest expense to average assets | 2.6040% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3818% | 4,282 |
| Return on assets (ROA) | 0.4264% | 4,272 |
| Pretax return on assets | 0.5084% | 4,257 |
| Return on Equity (ROE) | 4.0848% | 4,142 |
| Retained earnings to average equity (ytd only) | 1.9661% | 3,838 |
| Net charge-offs to loans | 0.0047% | 3,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 480 |
| Efficiency ratio | 84.9624% | 570 |
| Assets per employee ($millions) | 3.7271% | 4,551 |
| Cash dividends to net income (ytd only)* | 51.8672% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 3,317 |
| Loan loss allowance to noncurrent loans | 559.7826% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 3,836 |
| Noncurrent loans to loans | 0.2015% | 3,488 |
| Net loans and leases to total assets | 46.5899% | 4,085 |
| Net loans and leases to deposits | 51.7619% | 4,226 |
| Net loans and leases to core deposits | 52.4255% | 4,320 |
| Total domestic deposits to total assets | 90.0082% | 564 |
| Equity capital to assets | 9.2736% | 3,819 |
| Core capital (leverage) ratio | 6.2561% | 4,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9832% | 1,854 |
| Memoranda: | ||
| Average total assets | $169,547,200 | 3,197 |
| Average earning assets | $151,884,400 | 3,248 |
| Average equity | $17,699,600 | 3,397 |
| Average total loans | $85,521,000 | 3,475 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 3,969 |
| Cost of funding earning assets | 0.6808% | 2,140 |
| Net interest margin | 2.9421% | 4,102 |
| Noninterest income to average assets | 0.5383% | 2,434 |
| Noninterest expense to average assets | 2.6392% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4510% | 4,164 |
| Return on assets (ROA) | 0.4641% | 4,203 |
| Pretax return on assets | 0.5546% | 4,189 |
| Return on Equity (ROE) | 4.3029% | 4,096 |
| Retained earnings to average equity (ytd only) | 2.6316% | 3,675 |
| Net charge-offs to loans | 0.0063% | 2,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 165.2500% | 562 |
| Efficiency ratio | 82.8843% | 682 |
| Assets per employee ($millions) | 3.4212% | 4,696 |
| Cash dividends to net income (ytd only)* | 38.8401% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,657 |
| Loan loss allowance to noncurrent loans | 353.9519% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 3,588 |
| Noncurrent loans to loans | 0.3392% | 3,065 |
| Net loans and leases to total assets | 48.5783% | 4,184 |
| Net loans and leases to deposits | 54.7069% | 4,310 |
| Net loans and leases to core deposits | 55.8625% | 4,386 |
| Total domestic deposits to total assets | 88.7975% | 864 |
| Equity capital to assets | 10.3898% | 2,881 |
| Core capital (leverage) ratio | 6.5760% | 4,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6971% | 1,323 |
| Memoranda: | ||
| Average total assets | $163,482,000 | 3,234 |
| Average earning assets | $146,694,750 | 3,281 |
| Average equity | $17,631,250 | 3,402 |
| Average total loans | $84,070,000 | 3,518 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 3,974 |
| Cost of funding earning assets | 0.6992% | 2,384 |
| Net interest margin | 3.0567% | 3,996 |
| Noninterest income to average assets | 0.5331% | 2,424 |
| Noninterest expense to average assets | 2.6543% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5096% | 3,993 |
| Return on assets (ROA) | 0.5294% | 4,017 |
| Pretax return on assets | 0.6382% | 3,990 |
| Return on Equity (ROE) | 4.8438% | 3,872 |
| Retained earnings to average equity (ytd only) | 2.3131% | 3,633 |
| Net charge-offs to loans | 0.0096% | 2,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 122.7500% | 611 |
| Efficiency ratio | 81.0490% | 816 |
| Assets per employee ($millions) | 3.3530% | 4,727 |
| Cash dividends to net income (ytd only)* | 52.2459% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,321 |
| Loan loss allowance to noncurrent loans | 227.3731% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 3,255 |
| Noncurrent loans to loans | 0.5440% | 2,543 |
| Net loans and leases to total assets | 48.0907% | 4,247 |
| Net loans and leases to deposits | 54.2364% | 4,370 |
| Net loans and leases to core deposits | 55.2104% | 4,458 |
| Total domestic deposits to total assets | 88.6687% | 881 |
| Equity capital to assets | 10.4998% | 2,743 |
| Core capital (leverage) ratio | 6.7400% | 5,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6776% | 1,324 |
| Memoranda: | ||
| Average total assets | $159,816,333 | 3,250 |
| Average earning assets | $143,028,667 | 3,311 |
| Average equity | $17,465,667 | 3,421 |
| Average total loans | $83,497,000 | 3,526 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,815 |
| Cost of funding earning assets | 0.7549% | 2,641 |
| Net interest margin | 3.2346% | 3,771 |
| Noninterest income to average assets | 0.5550% | 2,254 |
| Noninterest expense to average assets | 2.8037% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5276% | 3,820 |
| Return on assets (ROA) | 0.5680% | 3,756 |
| Pretax return on assets | 0.6899% | 3,713 |
| Return on Equity (ROE) | 5.0868% | 3,596 |
| Retained earnings to average equity (ytd only) | 5.0868% | 2,233 |
| Net charge-offs to loans | 0.0239% | 1,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 49.4000% | 905 |
| Efficiency ratio | 81.2500% | 1,022 |
| Assets per employee ($millions) | 3.1541% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,506 |
| Loan loss allowance to noncurrent loans | 219.1489% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 3,261 |
| Noncurrent loans to loans | 0.5619% | 2,594 |
| Net loans and leases to total assets | 52.3871% | 4,094 |
| Net loans and leases to deposits | 59.4514% | 4,217 |
| Net loans and leases to core deposits | 60.7779% | 4,324 |
| Total domestic deposits to total assets | 88.1175% | 1,059 |
| Equity capital to assets | 11.0550% | 2,814 |
| Core capital (leverage) ratio | 7.3321% | 5,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9373% | 1,363 |
| Memoranda: | ||
| Average total assets | $154,222,500 | 3,271 |
| Average earning assets | $137,761,000 | 3,342 |
| Average equity | $17,221,000 | 3,449 |
| Average total loans | $83,612,000 | 3,526 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 3,706 |
| Cost of funding earning assets | 0.8302% | 2,528 |
| Net interest margin | 3.4102% | 3,718 |
| Noninterest income to average assets | 0.6188% | 2,140 |
| Noninterest expense to average assets | 2.8415% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6650% | 3,972 |
| Return on assets (ROA) | 0.6689% | 4,031 |
| Pretax return on assets | 0.8000% | 3,971 |
| Return on Equity (ROE) | 6.0386% | 3,905 |
| Retained earnings to average equity (ytd only) | 0.3748% | 4,585 |
| Net charge-offs to loans | 0.0338% | 2,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 43.1071% | 1,243 |
| Efficiency ratio | 77.9489% | 1,158 |
| Assets per employee ($millions) | 3.0764% | 4,782 |
| Cash dividends to net income (ytd only)* | 93.7931% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,244 |
| Loan loss allowance to noncurrent loans | 126.0976% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 2,260 |
| Noncurrent loans to loans | 0.9811% | 1,554 |
| Net loans and leases to total assets | 54.7585% | 4,027 |
| Net loans and leases to deposits | 62.2795% | 4,179 |
| Net loans and leases to core deposits | 63.4925% | 4,302 |
| Total domestic deposits to total assets | 87.9237% | 1,163 |
| Equity capital to assets | 11.2829% | 2,728 |
| Core capital (leverage) ratio | 7.2828% | 5,117 |
| Tier 1 risk-based capital ratio | 15.0431% | 2,767 |
| Total risk-based capital ratio | 16.2952% | 2,698 |
| Memoranda: | ||
| Average total assets | $151,750,200 | 3,275 |
| Average earning assets | $134,304,000 | 3,363 |
| Average equity | $16,808,400 | 3,459 |
| Average total loans | $82,749,400 | 3,546 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 3,820 |
| Cost of funding earning assets | 0.8409% | 2,508 |
| Net interest margin | 3.4042% | 3,860 |
| Noninterest income to average assets | 0.6228% | 2,093 |
| Noninterest expense to average assets | 2.8499% | 2,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6580% | 4,139 |
| Return on assets (ROA) | 0.6631% | 4,181 |
| Pretax return on assets | 0.7903% | 4,139 |
| Return on Equity (ROE) | 6.0147% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.3415% | 3,732 |
| Net charge-offs to loans | 0.0436% | 2,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 33.1103% | 1,536 |
| Efficiency ratio | 78.2283% | 1,078 |
| Assets per employee ($millions) | 3.0592% | 4,858 |
| Cash dividends to net income (ytd only)* | 44.4448% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,230 |
| Loan loss allowance to noncurrent loans | 243.8679% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 3,422 |
| Noncurrent loans to loans | 0.5130% | 2,755 |
| Net loans and leases to total assets | 54.4503% | 4,140 |
| Net loans and leases to deposits | 62.1231% | 4,285 |
| Net loans and leases to core deposits | 63.3399% | 4,411 |
| Total domestic deposits to total assets | 87.6491% | 1,192 |
| Equity capital to assets | 11.5677% | 2,615 |
| Core capital (leverage) ratio | 7.5269% | 5,189 |
| Tier 1 risk-based capital ratio | 15.8052% | 2,512 |
| Total risk-based capital ratio | 17.0569% | 2,453 |
| Memoranda: | ||
| Average total assets | $152,002,250 | 3,303 |
| Average earning assets | $134,456,500 | 3,391 |
| Average equity | $16,758,500 | 3,487 |
| Average total loans | $82,542,250 | 3,587 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 3,821 |
| Cost of funding earning assets | 0.8444% | 2,421 |
| Net interest margin | 3.3953% | 3,908 |
| Noninterest income to average assets | 0.6208% | 2,062 |
| Noninterest expense to average assets | 2.8539% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6459% | 4,179 |
| Return on assets (ROA) | 0.6536% | 4,203 |
| Pretax return on assets | 0.7780% | 4,144 |
| Return on Equity (ROE) | 6.0249% | 4,039 |
| Retained earnings to average equity (ytd only) | 2.4269% | 3,972 |
| Net charge-offs to loans | 0.0194% | 2,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 73.3750% | 864 |
| Efficiency ratio | 78.5973% | 1,083 |
| Assets per employee ($millions) | 3.0901% | 4,850 |
| Cash dividends to net income (ytd only)* | 59.7194% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,113 |
| Loan loss allowance to noncurrent loans | 185.2373% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 3,043 |
| Noncurrent loans to loans | 0.6889% | 2,246 |
| Net loans and leases to total assets | 52.7730% | 4,306 |
| Net loans and leases to deposits | 59.8479% | 4,437 |
| Net loans and leases to core deposits | 60.9771% | 4,541 |
| Total domestic deposits to total assets | 88.1785% | 1,018 |
| Equity capital to assets | 11.0526% | 2,992 |
| Core capital (leverage) ratio | 7.1707% | 5,258 |
| Tier 1 risk-based capital ratio | 15.6703% | 2,557 |
| Total risk-based capital ratio | 16.9237% | 2,489 |
| Memoranda: | ||
| Average total assets | $152,703,000 | 3,320 |
| Average earning assets | $135,008,670 | 3,411 |
| Average equity | $16,564,670 | 3,510 |
| Average total loans | $82,504,670 | 3,606 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2459% | 3,720 |
| Cost of funding earning assets | 0.8336% | 2,356 |
| Net interest margin | 3.4122% | 3,856 |
| Noninterest income to average assets | 0.6192% | 1,956 |
| Noninterest expense to average assets | 2.8801% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6429% | 4,114 |
| Return on assets (ROA) | 0.6429% | 4,150 |
| Pretax return on assets | 0.7483% | 4,175 |
| Return on Equity (ROE) | 5.9846% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.0526% | 2,885 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1576% | 1,141 |
| Assets per employee ($millions) | 3.2328% | 4,803 |
| Cash dividends to net income (ytd only)* | 15.5738% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,175 |
| Loan loss allowance to noncurrent loans | 171.1290% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 3,011 |
| Noncurrent loans to loans | 0.7489% | 2,158 |
| Net loans and leases to total assets | 51.5924% | 4,366 |
| Net loans and leases to deposits | 58.0259% | 4,500 |
| Net loans and leases to core deposits | 59.0826% | 4,607 |
| Total domestic deposits to total assets | 88.9127% | 896 |
| Equity capital to assets | 10.4629% | 3,376 |
| Core capital (leverage) ratio | 7.2405% | 5,304 |
| Tier 1 risk-based capital ratio | 15.0663% | 2,865 |
| Total risk-based capital ratio | 16.3186% | 2,772 |
| Memoranda: | ||
| Average total assets | $151,801,000 | 3,366 |
| Average earning assets | $133,871,000 | 3,458 |
| Average equity | $16,308,500 | 3,551 |
| Average total loans | $82,461,000 | 3,643 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,629 |
| Cost of funding earning assets | 0.6002% | 2,716 |
| Net interest margin | 3.5371% | 3,583 |
| Noninterest income to average assets | 0.6912% | 1,881 |
| Noninterest expense to average assets | 2.9629% | 2,158 |
| Loan and lease loss provision to assets | 0.0204% | 3,750 |
| Net operating income to assets | 0.7171% | 4,091 |
| Return on assets (ROA) | 0.7171% | 4,096 |
| Pretax return on assets | 0.8138% | 4,131 |
| Return on Equity (ROE) | 6.5886% | 3,972 |
| Retained earnings to average equity (ytd only) | 1.2389% | 4,635 |
| Net charge-offs to loans | 0.1015% | 1,743 |
| Credit loss provision to net charge-offs | 35.7143% | 3,313 |
| Earnings coverage of net charge-offs (x) | 14.5833% | 2,371 |
| Efficiency ratio | 77.7977% | 1,146 |
| Assets per employee ($millions) | 3.0249% | 4,980 |
| Cash dividends to net income (ytd only)* | 81.1966% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 2,078 |
| Loan loss allowance to noncurrent loans | 154.5852% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 2,628 |
| Noncurrent loans to loans | 0.8364% | 1,935 |
| Net loans and leases to total assets | 55.8373% | 4,147 |
| Net loans and leases to deposits | 63.2390% | 4,299 |
| Net loans and leases to core deposits | 64.5054% | 4,433 |
| Total domestic deposits to total assets | 88.2957% | 1,161 |
| Equity capital to assets | 11.0493% | 2,638 |
| Core capital (leverage) ratio | 7.5846% | 5,313 |
| Tier 1 risk-based capital ratio | 15.0935% | 2,789 |
| Total risk-based capital ratio | 16.3456% | 2,723 |
| Memoranda: | ||
| Average total assets | $146,848,800 | 3,416 |
| Average earning assets | $128,948,400 | 3,508 |
| Average equity | $15,982,200 | 3,510 |
| Average total loans | $82,797,600 | 3,612 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 3,669 |
| Cost of funding earning assets | 0.5807% | 2,626 |
| Net interest margin | 3.5102% | 3,660 |
| Noninterest income to average assets | 0.7234% | 1,781 |
| Noninterest expense to average assets | 2.9688% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7533% | 4,066 |
| Return on assets (ROA) | 0.7533% | 4,076 |
| Pretax return on assets | 0.8302% | 4,222 |
| Return on Equity (ROE) | 6.9475% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.1919% | 3,678 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9075% | 1,130 |
| Assets per employee ($millions) | 2.9336% | 5,085 |
| Cash dividends to net income (ytd only)* | 39.6634% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 1,973 |
| Loan loss allowance to noncurrent loans | 153.9310% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 2,720 |
| Noncurrent loans to loans | 0.8625% | 1,979 |
| Net loans and leases to total assets | 56.5445% | 4,168 |
| Net loans and leases to deposits | 63.8840% | 4,334 |
| Net loans and leases to core deposits | 65.3982% | 4,439 |
| Total domestic deposits to total assets | 88.5111% | 1,042 |
| Equity capital to assets | 10.9176% | 2,734 |
| Core capital (leverage) ratio | 7.7836% | 5,359 |
| Tier 1 risk-based capital ratio | 15.0683% | 2,849 |
| Total risk-based capital ratio | 16.3212% | 2,775 |
| Memoranda: | ||
| Average total assets | $147,262,250 | 3,454 |
| Average earning assets | $129,030,000 | 3,545 |
| Average equity | $15,967,000 | 3,545 |
| Average total loans | $82,963,250 | 3,639 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 3,735 |
| Cost of funding earning assets | 0.5539% | 2,580 |
| Net interest margin | 3.4626% | 3,758 |
| Noninterest income to average assets | 0.6198% | 2,226 |
| Noninterest expense to average assets | 2.9419% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6551% | 4,332 |
| Return on assets (ROA) | 0.6551% | 4,341 |
| Pretax return on assets | 0.7134% | 4,476 |
| Return on Equity (ROE) | 6.0559% | 4,218 |
| Retained earnings to average equity (ytd only) | 2.3948% | 4,315 |
| Net charge-offs to loans | 0.0024% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 526.0000% | 171 |
| Efficiency ratio | 80.2226% | 992 |
| Assets per employee ($millions) | 2.8699% | 5,181 |
| Cash dividends to net income (ytd only)* | 60.4555% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 1,972 |
| Loan loss allowance to noncurrent loans | 212.7863% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 3,343 |
| Noncurrent loans to loans | 0.6319% | 2,530 |
| Net loans and leases to total assets | 54.8220% | 4,263 |
| Net loans and leases to deposits | 61.7373% | 4,434 |
| Net loans and leases to core deposits | 63.0461% | 4,548 |
| Total domestic deposits to total assets | 88.7988% | 1,015 |
| Equity capital to assets | 10.6196% | 3,007 |
| Core capital (leverage) ratio | 7.5455% | 5,435 |
| Tier 1 risk-based capital ratio | 15.0858% | 2,833 |
| Total risk-based capital ratio | 16.3403% | 2,753 |
| Memoranda: | ||
| Average total assets | $147,456,000 | 3,471 |
| Average earning assets | $129,267,670 | 3,561 |
| Average equity | $15,951,330 | 3,570 |
| Average total loans | $82,599,000 | 3,668 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,796 |
| Cost of funding earning assets | 0.5276% | 2,563 |
| Net interest margin | 3.4200% | 3,820 |
| Noninterest income to average assets | 0.6004% | 2,252 |
| Noninterest expense to average assets | 2.9420% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5595% | 4,544 |
| Return on assets (ROA) | 0.5595% | 4,546 |
| Pretax return on assets | 0.6659% | 4,528 |
| Return on Equity (ROE) | 5.1240% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.1742% | 3,521 |
| Net charge-offs to loans | -0.0146% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3162% | 1,020 |
| Assets per employee ($millions) | 2.8818% | 5,233 |
| Cash dividends to net income (ytd only)* | 18.5366% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 1,993 |
| Loan loss allowance to noncurrent loans | 199.4652% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3817% | 3,305 |
| Noncurrent loans to loans | 0.6806% | 2,512 |
| Net loans and leases to total assets | 55.3242% | 4,180 |
| Net loans and leases to deposits | 62.4304% | 4,309 |
| Net loans and leases to core deposits | 63.7756% | 4,439 |
| Total domestic deposits to total assets | 88.6174% | 1,299 |
| Equity capital to assets | 10.7913% | 2,775 |
| Core capital (leverage) ratio | 7.6009% | 5,489 |
| Tier 1 risk-based capital ratio | 15.1587% | 2,798 |
| Total risk-based capital ratio | 16.4126% | 2,733 |
| Memoranda: | ||
| Average total assets | $146,567,000 | 3,513 |
| Average earning assets | $128,889,000 | 3,605 |
| Average equity | $16,003,000 | 3,591 |
| Average total loans | $82,434,500 | 3,700 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 3,545 |
| Cost of funding earning assets | 0.4628% | 2,664 |
| Net interest margin | 3.4937% | 3,552 |
| Noninterest income to average assets | 0.6115% | 2,393 |
| Noninterest expense to average assets | 2.9401% | 2,319 |
| Loan and lease loss provision to assets | 0.0424% | 3,401 |
| Net operating income to assets | 0.7845% | 3,230 |
| Return on assets (ROA) | 0.8770% | 2,852 |
| Pretax return on assets | 0.7915% | 4,267 |
| Return on Equity (ROE) | 7.6997% | 2,951 |
| Retained earnings to average equity (ytd only) | 1.2585% | 4,519 |
| Net charge-offs to loans | 0.0187% | 3,478 |
| Credit loss provision to net charge-offs | 400.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 855 |
| Efficiency ratio | 79.5167% | 1,158 |
| Assets per employee ($millions) | 2.8660% | 5,284 |
| Cash dividends to net income (ytd only)* | 83.6554% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,955 |
| Loan loss allowance to noncurrent loans | 156.0839% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 2,928 |
| Noncurrent loans to loans | 0.8673% | 2,056 |
| Net loans and leases to total assets | 55.6389% | 4,223 |
| Net loans and leases to deposits | 63.3113% | 4,363 |
| Net loans and leases to core deposits | 64.9610% | 4,476 |
| Total domestic deposits to total assets | 87.8814% | 1,562 |
| Equity capital to assets | 11.0465% | 2,585 |
| Core capital (leverage) ratio | 7.5936% | 5,542 |
| Tier 1 risk-based capital ratio | 14.9524% | 2,871 |
| Total risk-based capital ratio | 16.2066% | 2,797 |
| Memoranda: | ||
| Average total assets | $141,626,600 | 3,592 |
| Average earning assets | $124,452,800 | 3,679 |
| Average equity | $16,130,600 | 3,576 |
| Average total loans | $80,113,600 | 3,745 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 3,435 |
| Cost of funding earning assets | 0.4465% | 2,747 |
| Net interest margin | 3.5307% | 3,386 |
| Noninterest income to average assets | 0.6188% | 2,369 |
| Noninterest expense to average assets | 2.9847% | 2,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5393% | 4,617 |
| Return on assets (ROA) | 0.5428% | 4,637 |
| Pretax return on assets | 0.7307% | 4,530 |
| Return on Equity (ROE) | 4.7291% | 4,628 |
| Retained earnings to average equity (ytd only) | -1.9842% | 5,429 |
| Net charge-offs to loans | 0.0184% | 3,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 69.5276% | 898 |
| Efficiency ratio | 80.1023% | 1,088 |
| Assets per employee ($millions) | 2.8348% | 5,372 |
| Cash dividends to net income (ytd only)* | 141.9576% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,337 |
| Loan loss allowance to noncurrent loans | 148.4594% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 3,058 |
| Noncurrent loans to loans | 0.8787% | 2,177 |
| Net loans and leases to total assets | 56.5789% | 4,189 |
| Net loans and leases to deposits | 64.6062% | 4,346 |
| Net loans and leases to core deposits | 66.4846% | 4,453 |
| Total domestic deposits to total assets | 87.5751% | 1,596 |
| Equity capital to assets | 11.3659% | 2,497 |
| Core capital (leverage) ratio | 7.2424% | 5,647 |
| Tier 1 risk-based capital ratio | 14.4284% | 3,223 |
| Total risk-based capital ratio | 15.6816% | 3,138 |
| Memoranda: | ||
| Average total assets | $140,492,250 | 3,642 |
| Average earning assets | $123,032,500 | 3,731 |
| Average equity | $16,126,750 | 3,611 |
| Average total loans | $79,532,000 | 3,786 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 3,389 |
| Cost of funding earning assets | 0.4235% | 2,865 |
| Net interest margin | 3.5214% | 3,320 |
| Noninterest income to average assets | 0.6082% | 2,418 |
| Noninterest expense to average assets | 2.9527% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5511% | 4,516 |
| Return on assets (ROA) | 0.5511% | 4,558 |
| Pretax return on assets | 0.7425% | 4,446 |
| Return on Equity (ROE) | 4.7854% | 4,574 |
| Retained earnings to average equity (ytd only) | 1.1902% | 4,766 |
| Net charge-offs to loans | 0.0279% | 2,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.2727% | 1,123 |
| Efficiency ratio | 79.5595% | 1,265 |
| Assets per employee ($millions) | 2.7874% | 5,430 |
| Cash dividends to net income (ytd only)* | 75.1295% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 2,314 |
| Loan loss allowance to noncurrent loans | 196.2963% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 3,431 |
| Noncurrent loans to loans | 0.6723% | 2,737 |
| Net loans and leases to total assets | 55.7542% | 4,250 |
| Net loans and leases to deposits | 63.8172% | 4,379 |
| Net loans and leases to core deposits | 65.5347% | 4,501 |
| Total domestic deposits to total assets | 87.3655% | 1,779 |
| Equity capital to assets | 11.5906% | 2,238 |
| Core capital (leverage) ratio | 7.5325% | 5,651 |
| Tier 1 risk-based capital ratio | 14.9284% | 2,959 |
| Total risk-based capital ratio | 16.1814% | 2,890 |
| Memoranda: | ||
| Average total assets | $140,076,330 | 3,663 |
| Average earning assets | $122,792,000 | 3,753 |
| Average equity | $16,132,330 | 3,624 |
| Average total loans | $78,957,670 | 3,816 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 3,327 |
| Cost of funding earning assets | 0.4172% | 2,836 |
| Net interest margin | 3.5018% | 3,269 |
| Noninterest income to average assets | 0.6013% | 2,410 |
| Noninterest expense to average assets | 2.9172% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5553% | 4,351 |
| Return on assets (ROA) | 0.5553% | 4,398 |
| Pretax return on assets | 0.7509% | 4,284 |
| Return on Equity (ROE) | 4.8371% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.4085% | 3,736 |
| Net charge-offs to loans | 0.0562% | 1,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 23.7273% | 1,383 |
| Efficiency ratio | 79.2157% | 1,460 |
| Assets per employee ($millions) | 2.8366% | 5,468 |
| Cash dividends to net income (ytd only)* | 29.5337% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,319 |
| Loan loss allowance to noncurrent loans | 196.6605% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 3,493 |
| Noncurrent loans to loans | 0.6846% | 2,795 |
| Net loans and leases to total assets | 54.7681% | 4,274 |
| Net loans and leases to deposits | 62.4047% | 4,409 |
| Net loans and leases to core deposits | 63.8502% | 4,545 |
| Total domestic deposits to total assets | 87.7627% | 1,854 |
| Equity capital to assets | 11.3503% | 2,307 |
| Core capital (leverage) ratio | 7.7971% | 5,633 |
| Tier 1 risk-based capital ratio | 15.2030% | 2,871 |
| Total risk-based capital ratio | 16.4572% | 2,805 |
| Memoranda: | ||
| Average total assets | $139,035,500 | 3,711 |
| Average earning assets | $121,767,500 | 3,816 |
| Average equity | $15,960,000 | 3,669 |
| Average total loans | $78,277,000 | 3,857 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 3,709 |
| Cost of funding earning assets | 0.4170% | 2,838 |
| Net interest margin | 3.4439% | 3,647 |
| Noninterest income to average assets | 0.5992% | 2,668 |
| Noninterest expense to average assets | 3.0591% | 2,146 |
| Loan and lease loss provision to assets | 0.3377% | 523 |
| Net operating income to assets | 0.1561% | 5,489 |
| Return on assets (ROA) | 0.5403% | 4,570 |
| Pretax return on assets | 0.7227% | 4,415 |
| Return on Equity (ROE) | 4.5415% | 4,641 |
| Retained earnings to average equity (ytd only) | 0.7791% | 5,009 |
| Net charge-offs to loans | 0.2422% | 1,151 |
| Credit loss provision to net charge-offs | 248.6772% | 1,168 |
| Earnings coverage of net charge-offs (x) | 4.0370% | 3,569 |
| Efficiency ratio | 84.3457% | 980 |
| Assets per employee ($millions) | 2.7804% | 5,506 |
| Cash dividends to net income (ytd only)* | 82.8457% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 2,184 |
| Loan loss allowance to noncurrent loans | 133.3748% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 2,819 |
| Noncurrent loans to loans | 1.0319% | 2,017 |
| Net loans and leases to total assets | 56.3306% | 4,236 |
| Net loans and leases to deposits | 64.3632% | 4,377 |
| Net loans and leases to core deposits | 65.9262% | 4,533 |
| Total domestic deposits to total assets | 87.5200% | 1,864 |
| Equity capital to assets | 11.6132% | 2,075 |
| Core capital (leverage) ratio | 7.4778% | 5,755 |
| Tier 1 risk-based capital ratio | 15.0940% | 2,929 |
| Total risk-based capital ratio | 16.3484% | 2,856 |
| Memoranda: | ||
| Average total assets | $139,191,000 | 3,686 |
| Average earning assets | $121,577,600 | 3,799 |
| Average equity | $16,558,400 | 3,618 |
| Average total loans | $78,047,600 | 3,849 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 3,830 |
| Cost of funding earning assets | 0.4146% | 2,889 |
| Net interest margin | 3.4175% | 3,786 |
| Noninterest income to average assets | 0.5927% | 2,699 |
| Noninterest expense to average assets | 3.0491% | 2,170 |
| Loan and lease loss provision to assets | 0.4478% | 299 |
| Net operating income to assets | 0.0634% | 5,669 |
| Return on assets (ROA) | 0.5850% | 4,467 |
| Pretax return on assets | 0.7575% | 4,447 |
| Return on Equity (ROE) | 4.8897% | 4,560 |
| Retained earnings to average equity (ytd only) | 1.8635% | 4,749 |
| Net charge-offs to loans | 0.2731% | 847 |
| Credit loss provision to net charge-offs | 293.7500% | 1,055 |
| Earnings coverage of net charge-offs (x) | 3.4625% | 3,412 |
| Efficiency ratio | 84.7896% | 925 |
| Assets per employee ($millions) | 2.8148% | 5,542 |
| Cash dividends to net income (ytd only)* | 61.8885% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 2,127 |
| Loan loss allowance to noncurrent loans | 98.5676% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 2,559 |
| Noncurrent loans to loans | 1.4370% | 1,509 |
| Net loans and leases to total assets | 54.4476% | 4,455 |
| Net loans and leases to deposits | 62.6807% | 4,584 |
| Net loans and leases to core deposits | 64.4466% | 4,702 |
| Total domestic deposits to total assets | 86.8650% | 1,957 |
| Equity capital to assets | 11.9725% | 2,137 |
| Core capital (leverage) ratio | 7.6209% | 5,806 |
| Tier 1 risk-based capital ratio | 16.6184% | 2,374 |
| Total risk-based capital ratio | 17.8743% | 2,316 |
| Memoranda: | ||
| Average total assets | $139,928,250 | 3,695 |
| Average earning assets | $122,190,000 | 3,813 |
| Average equity | $16,742,500 | 3,616 |
| Average total loans | $78,105,250 | 3,873 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 3,831 |
| Cost of funding earning assets | 0.4075% | 2,960 |
| Net interest margin | 3.4272% | 3,768 |
| Noninterest income to average assets | 0.5786% | 2,735 |
| Noninterest expense to average assets | 3.0474% | 2,215 |
| Loan and lease loss provision to assets | 0.6731% | 164 |
| Net operating income to assets | -0.1106% | 5,817 |
| Return on assets (ROA) | 0.6530% | 4,176 |
| Pretax return on assets | 0.8750% | 4,043 |
| Return on Equity (ROE) | 5.4589% | 4,307 |
| Retained earnings to average equity (ytd only) | 1.5922% | 4,741 |
| Net charge-offs to loans | 0.3170% | 746 |
| Credit loss provision to net charge-offs | 379.0323% | 802 |
| Earnings coverage of net charge-offs (x) | 2.9839% | 3,187 |
| Efficiency ratio | 84.7078% | 991 |
| Assets per employee ($millions) | 2.7422% | 5,652 |
| Cash dividends to net income (ytd only)* | 70.8333% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 2,042 |
| Loan loss allowance to noncurrent loans | 103.2698% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 2,630 |
| Noncurrent loans to loans | 1.4112% | 1,576 |
| Net loans and leases to total assets | 54.9760% | 4,416 |
| Net loans and leases to deposits | 63.3384% | 4,538 |
| Net loans and leases to core deposits | 65.1465% | 4,672 |
| Total domestic deposits to total assets | 86.7973% | 2,013 |
| Equity capital to assets | 11.9964% | 2,120 |
| Core capital (leverage) ratio | 7.5212% | 5,877 |
| Tier 1 risk-based capital ratio | 16.8296% | 2,288 |
| Total risk-based capital ratio | 18.0880% | 2,237 |
| Memoranda: | ||
| Average total assets | $139,658,000 | 3,726 |
| Average earning assets | $122,198,000 | 3,841 |
| Average equity | $16,706,670 | 3,625 |
| Average total loans | $78,230,330 | 3,894 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 3,928 |
| Cost of funding earning assets | 0.4030% | 3,034 |
| Net interest margin | 3.4005% | 3,864 |
| Noninterest income to average assets | 0.5646% | 2,719 |
| Noninterest expense to average assets | 3.1126% | 2,066 |
| Loan and lease loss provision to assets | 1.3471% | 66 |
| Net operating income to assets | -0.6675% | 5,995 |
| Return on assets (ROA) | 0.7824% | 3,443 |
| Pretax return on assets | 1.0662% | 3,218 |
| Return on Equity (ROE) | 6.5501% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.3907% | 3,285 |
| Net charge-offs to loans | 0.6076% | 365 |
| Credit loss provision to net charge-offs | 394.9580% | 716 |
| Earnings coverage of net charge-offs (x) | 1.2521% | 2,843 |
| Efficiency ratio | 87.4494% | 853 |
| Assets per employee ($millions) | 2.9341% | 5,569 |
| Cash dividends to net income (ytd only)* | 32.9670% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 2,128 |
| Loan loss allowance to noncurrent loans | 108.3491% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 2,836 |
| Noncurrent loans to loans | 1.3540% | 1,761 |
| Net loans and leases to total assets | 54.4593% | 4,403 |
| Net loans and leases to deposits | 62.5683% | 4,538 |
| Net loans and leases to core deposits | 64.3343% | 4,668 |
| Total domestic deposits to total assets | 87.0398% | 2,195 |
| Equity capital to assets | 11.8220% | 2,137 |
| Core capital (leverage) ratio | 7.6164% | 5,899 |
| Tier 1 risk-based capital ratio | 16.9000% | 2,322 |
| Total risk-based capital ratio | 18.1579% | 2,268 |
| Memoranda: | ||
| Average total assets | $139,562,000 | 3,751 |
| Average earning assets | $122,099,500 | 3,868 |
| Average equity | $16,671,500 | 3,634 |
| Average total loans | $78,335,000 | 3,904 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,531 |
| Cost of funding earning assets | 0.4120% | 3,035 |
| Net interest margin | 3.5374% | 3,389 |
| Noninterest income to average assets | 0.5633% | 2,944 |
| Noninterest expense to average assets | 2.9932% | 2,571 |
| Loan and lease loss provision to assets | 0.0395% | 3,547 |
| Net operating income to assets | 0.4348% | 4,938 |
| Return on assets (ROA) | 0.5518% | 4,588 |
| Pretax return on assets | 0.7908% | 4,221 |
| Return on Equity (ROE) | 4.5370% | 4,724 |
| Retained earnings to average equity (ytd only) | -0.1534% | 5,535 |
| Net charge-offs to loans | 0.1071% | 2,316 |
| Credit loss provision to net charge-offs | 64.7059% | 3,198 |
| Earnings coverage of net charge-offs (x) | 10.8706% | 2,649 |
| Efficiency ratio | 81.2758% | 1,501 |
| Assets per employee ($millions) | 2.8221% | 5,679 |
| Cash dividends to net income (ytd only)* | 103.3810% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 4,587 |
| Loan loss allowance to noncurrent loans | 74.4821% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7680% | 2,761 |
| Noncurrent loans to loans | 1.3472% | 1,743 |
| Net loans and leases to total assets | 56.4320% | 4,262 |
| Net loans and leases to deposits | 65.0438% | 4,398 |
| Net loans and leases to core deposits | 66.9196% | 4,511 |
| Total domestic deposits to total assets | 86.7600% | 2,250 |
| Equity capital to assets | 12.0714% | 1,904 |
| Core capital (leverage) ratio | 7.5156% | 5,977 |
| Tier 1 risk-based capital ratio | 17.6258% | 2,085 |
| Total risk-based capital ratio | 18.8771% | 2,034 |
| Memoranda: | ||
| Average total assets | $139,350,600 | 3,730 |
| Average earning assets | $121,841,400 | 3,841 |
| Average equity | $16,949,400 | 3,535 |
| Average total loans | $79,339,400 | 3,844 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8873% | 3,780 |
| Cost of funding earning assets | 0.4174% | 3,035 |
| Net interest margin | 3.4700% | 3,668 |
| Noninterest income to average assets | 0.5567% | 3,008 |
| Noninterest expense to average assets | 2.9843% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4347% | 5,029 |
| Return on assets (ROA) | 0.5949% | 4,510 |
| Pretax return on assets | 0.8280% | 4,249 |
| Return on Equity (ROE) | 4.8823% | 4,677 |
| Retained earnings to average equity (ytd only) | 1.5046% | 5,116 |
| Net charge-offs to loans | 0.0705% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 15.0948% | 2,206 |
| Efficiency ratio | 82.5219% | 1,326 |
| Assets per employee ($millions) | 2.9243% | 5,628 |
| Cash dividends to net income (ytd only)* | 69.1808% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 4,809 |
| Loan loss allowance to noncurrent loans | 75.6311% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7494% | 3,029 |
| Noncurrent loans to loans | 1.3054% | 1,956 |
| Net loans and leases to total assets | 56.8414% | 4,260 |
| Net loans and leases to deposits | 65.8025% | 4,400 |
| Net loans and leases to core deposits | 67.7266% | 4,565 |
| Total domestic deposits to total assets | 86.3819% | 2,337 |
| Equity capital to assets | 12.3965% | 1,800 |
| Core capital (leverage) ratio | 7.7059% | 6,010 |
| Tier 1 risk-based capital ratio | 18.0340% | 2,019 |
| Total risk-based capital ratio | 19.2858% | 1,985 |
| Memoranda: | ||
| Average total assets | $139,617,000 | 3,761 |
| Average earning assets | $122,034,750 | 3,880 |
| Average equity | $17,013,500 | 3,556 |
| Average total loans | $79,467,250 | 3,877 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8800% | 3,773 |
| Cost of funding earning assets | 0.4219% | 3,021 |
| Net interest margin | 3.4581% | 3,668 |
| Noninterest income to average assets | 0.5501% | 3,042 |
| Noninterest expense to average assets | 2.9599% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4635% | 4,928 |
| Return on assets (ROA) | 0.7125% | 3,954 |
| Pretax return on assets | 0.9477% | 3,779 |
| Return on Equity (ROE) | 5.8805% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.4345% | 4,501 |
| Net charge-offs to loans | 0.0050% | 3,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 326 |
| Efficiency ratio | 82.1841% | 1,467 |
| Assets per employee ($millions) | 2.8954% | 5,715 |
| Cash dividends to net income (ytd only)* | 58.6000% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 4,695 |
| Loan loss allowance to noncurrent loans | 84.4330% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 3,306 |
| Noncurrent loans to loans | 1.2239% | 2,208 |
| Net loans and leases to total assets | 56.4372% | 4,292 |
| Net loans and leases to deposits | 65.1324% | 4,425 |
| Net loans and leases to core deposits | 66.8949% | 4,579 |
| Total domestic deposits to total assets | 86.6500% | 2,345 |
| Equity capital to assets | 12.2053% | 1,873 |
| Core capital (leverage) ratio | 7.5298% | 6,094 |
| Tier 1 risk-based capital ratio | 17.8625% | 2,108 |
| Total risk-based capital ratio | 19.1149% | 2,066 |
| Memoranda: | ||
| Average total assets | $140,342,000 | 3,777 |
| Average earning assets | $122,783,330 | 3,897 |
| Average equity | $17,005,330 | 3,566 |
| Average total loans | $79,655,330 | 3,895 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 3,921 |
| Cost of funding earning assets | 0.4173% | 3,110 |
| Net interest margin | 3.4033% | 3,832 |
| Noninterest income to average assets | 0.5191% | 3,157 |
| Noninterest expense to average assets | 2.9641% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4475% | 4,884 |
| Return on assets (ROA) | 0.9871% | 2,448 |
| Pretax return on assets | 1.1970% | 2,684 |
| Return on Equity (ROE) | 8.1755% | 2,869 |
| Retained earnings to average equity (ytd only) | 6.8364% | 2,084 |
| Net charge-offs to loans | -0.0150% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9676% | 1,387 |
| Assets per employee ($millions) | 2.8320% | 5,848 |
| Cash dividends to net income (ytd only)* | 16.3793% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 4,785 |
| Loan loss allowance to noncurrent loans | 90.2519% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 3,550 |
| Noncurrent loans to loans | 1.1590% | 2,448 |
| Net loans and leases to total assets | 55.0490% | 4,313 |
| Net loans and leases to deposits | 63.5678% | 4,414 |
| Net loans and leases to core deposits | 65.2542% | 4,592 |
| Total domestic deposits to total assets | 86.5990% | 2,605 |
| Equity capital to assets | 12.1701% | 1,913 |
| Core capital (leverage) ratio | 7.6189% | 6,104 |
| Tier 1 risk-based capital ratio | 18.4437% | 2,018 |
| Total risk-based capital ratio | 19.6964% | 1,965 |
| Memoranda: | ||
| Average total assets | $141,022,500 | 3,795 |
| Average earning assets | $123,645,000 | 3,913 |
| Average equity | $17,026,500 | 3,587 |
| Average total loans | $79,855,000 | 3,897 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 3,766 |
| Cost of funding earning assets | 0.4975% | 2,701 |
| Net interest margin | 3.4908% | 3,831 |
| Noninterest income to average assets | 0.6917% | 2,338 |
| Noninterest expense to average assets | 2.9702% | 2,929 |
| Loan and lease loss provision to assets | 0.1536% | 1,712 |
| Net operating income to assets | 0.4363% | 5,086 |
| Return on assets (ROA) | 0.5444% | 4,708 |
| Pretax return on assets | 0.7787% | 4,337 |
| Return on Equity (ROE) | 4.7330% | 4,791 |
| Retained earnings to average equity (ytd only) | 1.6102% | 5,016 |
| Net charge-offs to loans | 0.1553% | 2,481 |
| Credit loss provision to net charge-offs | 172.4409% | 1,406 |
| Earnings coverage of net charge-offs (x) | 8.7323% | 2,836 |
| Efficiency ratio | 78.4952% | 2,133 |
| Assets per employee ($millions) | 2.7538% | 5,978 |
| Cash dividends to net income (ytd only)* | 65.9794% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 4,969 |
| Loan loss allowance to noncurrent loans | 69.2827% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8438% | 3,100 |
| Noncurrent loans to loans | 1.4641% | 2,008 |
| Net loans and leases to total assets | 57.0441% | 4,186 |
| Net loans and leases to deposits | 65.6600% | 4,364 |
| Net loans and leases to core deposits | 67.4108% | 4,563 |
| Total domestic deposits to total assets | 86.8780% | 2,338 |
| Equity capital to assets | 11.9763% | 2,032 |
| Core capital (leverage) ratio | 7.2603% | 6,264 |
| Tier 1 risk-based capital ratio | 15.9507% | 2,986 |
| Total risk-based capital ratio | 17.2018% | 2,933 |
| Memoranda: | ||
| Average total assets | $142,549,800 | 3,750 |
| Average earning assets | $124,812,200 | 3,865 |
| Average equity | $16,395,400 | 3,620 |
| Average total loans | $81,798,600 | 3,826 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 3,871 |
| Cost of funding earning assets | 0.5135% | 2,624 |
| Net interest margin | 3.4580% | 3,987 |
| Noninterest income to average assets | 0.7380% | 2,146 |
| Noninterest expense to average assets | 2.9755% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5498% | 4,674 |
| Return on assets (ROA) | 0.5498% | 4,752 |
| Pretax return on assets | 0.7874% | 4,405 |
| Return on Equity (ROE) | 4.8293% | 4,802 |
| Retained earnings to average equity (ytd only) | 2.4228% | 4,845 |
| Net charge-offs to loans | 0.0797% | 3,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 17.2454% | 1,916 |
| Efficiency ratio | 78.3309% | 2,132 |
| Assets per employee ($millions) | 2.7335% | 6,042 |
| Cash dividends to net income (ytd only)* | 49.8303% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 5,813 |
| Loan loss allowance to noncurrent loans | 47.2222% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 2,931 |
| Noncurrent loans to loans | 1.7452% | 1,858 |
| Net loans and leases to total assets | 57.5712% | 4,128 |
| Net loans and leases to deposits | 65.9686% | 4,332 |
| Net loans and leases to core deposits | 69.1738% | 4,397 |
| Total domestic deposits to total assets | 87.2707% | 2,169 |
| Equity capital to assets | 11.6853% | 2,326 |
| Core capital (leverage) ratio | 7.1843% | 6,358 |
| Tier 1 risk-based capital ratio | 15.6499% | 3,239 |
| Total risk-based capital ratio | 16.7122% | 3,280 |
| Memoranda: | ||
| Average total assets | $143,076,250 | 3,773 |
| Average earning assets | $125,157,500 | 3,891 |
| Average equity | $16,289,250 | 3,652 |
| Average total loans | $82,014,250 | 3,847 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 3,936 |
| Cost of funding earning assets | 0.5133% | 2,691 |
| Net interest margin | 3.4350% | 4,040 |
| Noninterest income to average assets | 0.8174% | 1,777 |
| Noninterest expense to average assets | 2.9849% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5830% | 4,438 |
| Return on assets (ROA) | 0.5830% | 4,535 |
| Pretax return on assets | 0.8383% | 4,126 |
| Return on Equity (ROE) | 5.1661% | 4,598 |
| Retained earnings to average equity (ytd only) | 2.0022% | 4,880 |
| Net charge-offs to loans | 0.0391% | 3,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 37.5625% | 1,106 |
| Efficiency ratio | 77.3440% | 2,399 |
| Assets per employee ($millions) | 2.6508% | 6,166 |
| Cash dividends to net income (ytd only)* | 61.2440% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 5,830 |
| Loan loss allowance to noncurrent loans | 55.3142% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 3,338 |
| Noncurrent loans to loans | 1.5641% | 2,216 |
| Net loans and leases to total assets | 56.0355% | 4,280 |
| Net loans and leases to deposits | 63.8812% | 4,515 |
| Net loans and leases to core deposits | 67.0450% | 4,551 |
| Total domestic deposits to total assets | 87.7184% | 2,076 |
| Equity capital to assets | 11.2878% | 2,621 |
| Core capital (leverage) ratio | 7.0610% | 6,418 |
| Tier 1 risk-based capital ratio | 15.4299% | 3,394 |
| Total risk-based capital ratio | 16.5442% | 3,421 |
| Memoranda: | ||
| Average total assets | $143,387,000 | 3,791 |
| Average earning assets | $125,472,670 | 3,900 |
| Average equity | $16,182,330 | 3,663 |
| Average total loans | $81,847,670 | 3,855 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 3,999 |
| Cost of funding earning assets | 0.5159% | 2,753 |
| Net interest margin | 3.4081% | 4,081 |
| Noninterest income to average assets | 0.7343% | 2,017 |
| Noninterest expense to average assets | 3.0749% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4473% | 4,942 |
| Return on assets (ROA) | 0.4473% | 5,012 |
| Pretax return on assets | 0.6330% | 4,714 |
| Return on Equity (ROE) | 3.9639% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.0165% | 4,302 |
| Net charge-offs to loans | 0.0196% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 56.2500% | 690 |
| Efficiency ratio | 82.1700% | 1,906 |
| Assets per employee ($millions) | 2.6662% | 6,233 |
| Cash dividends to net income (ytd only)* | 23.8994% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 5,900 |
| Loan loss allowance to noncurrent loans | 47.0779% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2606% | 2,754 |
| Noncurrent loans to loans | 1.8861% | 2,018 |
| Net loans and leases to total assets | 56.2088% | 4,126 |
| Net loans and leases to deposits | 64.0501% | 4,308 |
| Net loans and leases to core deposits | 66.6080% | 4,436 |
| Total domestic deposits to total assets | 87.7575% | 2,377 |
| Equity capital to assets | 11.2486% | 2,481 |
| Core capital (leverage) ratio | 7.1934% | 6,426 |
| Tier 1 risk-based capital ratio | 15.1994% | 3,615 |
| Total risk-based capital ratio | 16.3213% | 3,628 |
| Memoranda: | ||
| Average total assets | $142,183,000 | 3,846 |
| Average earning assets | $124,057,500 | 3,964 |
| Average equity | $16,045,000 | 3,689 |
| Average total loans | $81,566,500 | 3,895 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 3,717 |
| Cost of funding earning assets | 0.6761% | 1,988 |
| Net interest margin | 3.4299% | 4,168 |
| Noninterest income to average assets | 0.5032% | 3,734 |
| Noninterest expense to average assets | 3.0093% | 3,026 |
| Loan and lease loss provision to assets | 0.0228% | 4,671 |
| Net operating income to assets | 0.3216% | 5,449 |
| Return on assets (ROA) | 0.3883% | 5,294 |
| Pretax return on assets | 0.5318% | 5,099 |
| Return on Equity (ROE) | 3.2951% | 5,404 |
| Retained earnings to average equity (ytd only) | 0.3513% | 5,692 |
| Net charge-offs to loans | 0.1079% | 3,751 |
| Credit loss provision to net charge-offs | 37.2093% | 4,093 |
| Earnings coverage of net charge-offs (x) | 7.5465% | 2,821 |
| Efficiency ratio | 85.5704% | 1,459 |
| Assets per employee ($millions) | 2.4630% | 6,427 |
| Cash dividends to net income (ytd only)* | 89.3382% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 5,950 |
| Loan loss allowance to noncurrent loans | 36.8554% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 1.6048% | 2,313 |
| Noncurrent loans to loans | 2.4275% | 1,573 |
| Net loans and leases to total assets | 57.5197% | 4,116 |
| Net loans and leases to deposits | 65.4979% | 4,351 |
| Net loans and leases to core deposits | 68.3247% | 4,475 |
| Total domestic deposits to total assets | 87.8191% | 2,294 |
| Equity capital to assets | 11.3219% | 2,320 |
| Core capital (leverage) ratio | 7.1730% | 6,481 |
| Tier 1 risk-based capital ratio | 15.0050% | 3,663 |
| Total risk-based capital ratio | 16.1338% | 3,679 |
| Memoranda: | ||
| Average total assets | $140,100,200 | 3,870 |
| Average earning assets | $121,287,200 | 4,026 |
| Average equity | $16,509,400 | 3,628 |
| Average total loans | $79,707,400 | 3,945 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 3,783 |
| Cost of funding earning assets | 0.6989% | 1,959 |
| Net interest margin | 3.3962% | 4,305 |
| Noninterest income to average assets | 0.5123% | 3,721 |
| Noninterest expense to average assets | 3.0117% | 2,954 |
| Loan and lease loss provision to assets | 0.0067% | 4,844 |
| Net operating income to assets | 0.3156% | 5,561 |
| Return on assets (ROA) | 0.3085% | 5,705 |
| Pretax return on assets | 0.4180% | 5,579 |
| Return on Equity (ROE) | 2.5925% | 5,754 |
| Retained earnings to average equity (ytd only) | 0.2401% | 5,868 |
| Net charge-offs to loans | 0.1531% | 3,016 |
| Credit loss provision to net charge-offs | 7.6923% | 4,245 |
| Earnings coverage of net charge-offs (x) | 5.0110% | 3,305 |
| Efficiency ratio | 86.3222% | 1,336 |
| Assets per employee ($millions) | 2.4865% | 6,489 |
| Cash dividends to net income (ytd only)* | 90.7405% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 6,187 |
| Loan loss allowance to noncurrent loans | 39.4692% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 1.4694% | 2,737 |
| Noncurrent loans to loans | 2.1490% | 2,069 |
| Net loans and leases to total assets | 58.6830% | 3,896 |
| Net loans and leases to deposits | 66.9798% | 4,185 |
| Net loans and leases to core deposits | 69.7237% | 4,355 |
| Total domestic deposits to total assets | 87.6130% | 2,354 |
| Equity capital to assets | 11.5043% | 2,302 |
| Core capital (leverage) ratio | 7.1956% | 6,547 |
| Tier 1 risk-based capital ratio | 14.6454% | 3,989 |
| Total risk-based capital ratio | 15.7062% | 4,062 |
| Memoranda: | ||
| Average total assets | $140,027,250 | 3,913 |
| Average earning assets | $120,954,750 | 4,077 |
| Average equity | $16,663,000 | 3,646 |
| Average total loans | $79,263,750 | 3,996 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 3,904 |
| Cost of funding earning assets | 0.6978% | 2,077 |
| Net interest margin | 3.3572% | 4,348 |
| Noninterest income to average assets | 0.5874% | 3,274 |
| Noninterest expense to average assets | 3.0081% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3507% | 5,402 |
| Return on assets (ROA) | 0.3507% | 5,579 |
| Pretax return on assets | 0.4804% | 5,439 |
| Return on Equity (ROE) | 2.9151% | 5,652 |
| Retained earnings to average equity (ytd only) | -0.1185% | 5,876 |
| Net charge-offs to loans | 0.1560% | 2,852 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.5246% | 2,880 |
| Efficiency ratio | 85.1655% | 1,502 |
| Assets per employee ($millions) | 2.4311% | 6,552 |
| Cash dividends to net income (ytd only)* | 104.0650% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 6,078 |
| Loan loss allowance to noncurrent loans | 41.9280% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 1.4163% | 2,979 |
| Noncurrent loans to loans | 2.1951% | 2,183 |
| Net loans and leases to total assets | 55.1233% | 4,433 |
| Net loans and leases to deposits | 63.1493% | 4,603 |
| Net loans and leases to core deposits | 65.9959% | 4,690 |
| Total domestic deposits to total assets | 87.2904% | 2,664 |
| Equity capital to assets | 11.6075% | 2,210 |
| Core capital (leverage) ratio | 7.0854% | 6,589 |
| Tier 1 risk-based capital ratio | 15.3723% | 3,551 |
| Total risk-based capital ratio | 16.5287% | 3,563 |
| Memoranda: | ||
| Average total assets | $140,288,670 | 3,942 |
| Average earning assets | $121,231,330 | 4,093 |
| Average equity | $16,877,670 | 3,641 |
| Average total loans | $78,214,670 | 4,037 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0050% | 4,100 |
| Cost of funding earning assets | 0.6923% | 2,287 |
| Net interest margin | 3.3127% | 4,470 |
| Noninterest income to average assets | 0.5660% | 3,339 |
| Noninterest expense to average assets | 3.0072% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3030% | 5,556 |
| Return on assets (ROA) | 0.3030% | 5,682 |
| Pretax return on assets | 0.4173% | 5,510 |
| Return on Equity (ROE) | 2.4748% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.5876% | 5,188 |
| Net charge-offs to loans | -0.0102% | 5,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7279% | 1,433 |
| Assets per employee ($millions) | 2.5217% | 6,565 |
| Cash dividends to net income (ytd only)* | 35.8491% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 5,941 |
| Loan loss allowance to noncurrent loans | 39.0353% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 1.5763% | 2,897 |
| Noncurrent loans to loans | 2.5952% | 1,988 |
| Net loans and leases to total assets | 54.3187% | 4,355 |
| Net loans and leases to deposits | 62.6000% | 4,461 |
| Net loans and leases to core deposits | 65.2864% | 4,616 |
| Total domestic deposits to total assets | 86.7710% | 3,090 |
| Equity capital to assets | 12.1023% | 1,972 |
| Core capital (leverage) ratio | 7.1119% | 6,609 |
| Tier 1 risk-based capital ratio | 15.6830% | 3,439 |
| Total risk-based capital ratio | 16.9329% | 3,401 |
| Memoranda: | ||
| Average total assets | $139,931,000 | 3,989 |
| Average earning assets | $120,749,000 | 4,137 |
| Average equity | $17,133,000 | 3,648 |
| Average total loans | $78,098,000 | 4,066 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4165% | 3,749 |
| Cost of funding earning assets | 0.7544% | 3,054 |
| Net interest margin | 3.6621% | 3,819 |
| Noninterest income to average assets | 0.6387% | 3,059 |
| Noninterest expense to average assets | 3.1477% | 2,781 |
| Loan and lease loss provision to assets | 0.3625% | 1,829 |
| Net operating income to assets | 0.2059% | 5,771 |
| Return on assets (ROA) | 0.5227% | 4,859 |
| Pretax return on assets | 0.7286% | 4,562 |
| Return on Equity (ROE) | 4.2269% | 5,051 |
| Retained earnings to average equity (ytd only) | 1.0377% | 5,354 |
| Net charge-offs to loans | 0.8849% | 1,289 |
| Credit loss provision to net charge-offs | 69.9301% | 4,168 |
| Earnings coverage of net charge-offs (x) | 1.2559% | 4,833 |
| Efficiency ratio | 81.5267% | 1,940 |
| Assets per employee ($millions) | 2.3905% | 6,714 |
| Cash dividends to net income (ytd only)* | 75.4508% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 5,985 |
| Loan loss allowance to noncurrent loans | 40.5489% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5478% | 3,066 |
| Noncurrent loans to loans | 2.4534% | 2,163 |
| Net loans and leases to total assets | 56.2016% | 4,253 |
| Net loans and leases to deposits | 65.0741% | 4,411 |
| Net loans and leases to core deposits | 68.0782% | 4,521 |
| Total domestic deposits to total assets | 86.3656% | 3,166 |
| Equity capital to assets | 12.3881% | 1,796 |
| Core capital (leverage) ratio | 7.1323% | 6,658 |
| Tier 1 risk-based capital ratio | 15.4122% | 3,479 |
| Total risk-based capital ratio | 16.6621% | 3,439 |
| Memoranda: | ||
| Average total assets | $137,941,400 | 3,991 |
| Average earning assets | $119,030,400 | 4,129 |
| Average equity | $17,057,400 | 3,621 |
| Average total loans | $80,804,000 | 4,015 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 3,784 |
| Cost of funding earning assets | 0.7681% | 3,209 |
| Net interest margin | 3.6912% | 3,837 |
| Noninterest income to average assets | 0.6465% | 3,009 |
| Noninterest expense to average assets | 3.1822% | 2,624 |
| Loan and lease loss provision to assets | 0.4839% | 1,277 |
| Net operating income to assets | 0.1210% | 6,088 |
| Return on assets (ROA) | 0.5381% | 4,937 |
| Pretax return on assets | 0.7539% | 4,664 |
| Return on Equity (ROE) | 4.3535% | 5,125 |
| Retained earnings to average equity (ytd only) | 1.9262% | 5,364 |
| Net charge-offs to loans | 1.1984% | 812 |
| Credit loss provision to net charge-offs | 68.3995% | 3,950 |
| Earnings coverage of net charge-offs (x) | 0.9193% | 4,866 |
| Efficiency ratio | 81.7172% | 1,841 |
| Assets per employee ($millions) | 2.4174% | 6,768 |
| Cash dividends to net income (ytd only)* | 55.7554% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 6,176 |
| Loan loss allowance to noncurrent loans | 42.3757% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 1.5241% | 3,295 |
| Noncurrent loans to loans | 2.3003% | 2,506 |
| Net loans and leases to total assets | 56.5481% | 4,367 |
| Net loans and leases to deposits | 65.6370% | 4,514 |
| Net loans and leases to core deposits | 68.0575% | 4,719 |
| Total domestic deposits to total assets | 86.1527% | 3,169 |
| Equity capital to assets | 12.5358% | 1,870 |
| Core capital (leverage) ratio | 7.3162% | 6,710 |
| Tier 1 risk-based capital ratio | 15.5247% | 3,518 |
| Total risk-based capital ratio | 16.7607% | 3,492 |
| Memoranda: | ||
| Average total assets | $137,764,500 | 4,029 |
| Average earning assets | $118,910,250 | 4,177 |
| Average equity | $17,027,750 | 3,650 |
| Average total loans | $81,328,500 | 4,041 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 3,778 |
| Cost of funding earning assets | 0.7783% | 3,380 |
| Net interest margin | 3.7188% | 3,732 |
| Noninterest income to average assets | 0.6577% | 2,913 |
| Noninterest expense to average assets | 3.1824% | 2,651 |
| Loan and lease loss provision to assets | 0.7259% | 727 |
| Net operating income to assets | -0.0202% | 6,348 |
| Return on assets (ROA) | 0.5967% | 4,643 |
| Pretax return on assets | 0.8493% | 4,282 |
| Return on Equity (ROE) | 4.8507% | 4,874 |
| Retained earnings to average equity (ytd only) | 1.6405% | 5,386 |
| Net charge-offs to loans | 0.5936% | 1,832 |
| Credit loss provision to net charge-offs | 204.9180% | 1,395 |
| Earnings coverage of net charge-offs (x) | 1.9590% | 3,993 |
| Efficiency ratio | 80.7865% | 2,066 |
| Assets per employee ($millions) | 2.3127% | 6,899 |
| Cash dividends to net income (ytd only)* | 66.1800% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 3,737 |
| Loan loss allowance to noncurrent loans | 49.0995% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.8838% | 2,925 |
| Noncurrent loans to loans | 3.1803% | 1,835 |
| Net loans and leases to total assets | 56.9717% | 4,332 |
| Net loans and leases to deposits | 66.0341% | 4,509 |
| Net loans and leases to core deposits | 68.9428% | 4,676 |
| Total domestic deposits to total assets | 86.2763% | 3,209 |
| Equity capital to assets | 12.4459% | 1,849 |
| Core capital (leverage) ratio | 7.2507% | 6,742 |
| Tier 1 risk-based capital ratio | 15.2562% | 3,596 |
| Total risk-based capital ratio | 16.5158% | 3,560 |
| Memoranda: | ||
| Average total assets | $137,756,330 | 4,047 |
| Average earning assets | $119,231,670 | 4,191 |
| Average equity | $16,946,000 | 3,650 |
| Average total loans | $82,210,000 | 4,032 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 3,578 |
| Cost of funding earning assets | 0.7971% | 3,496 |
| Net interest margin | 3.7873% | 3,450 |
| Noninterest income to average assets | 0.6849% | 2,730 |
| Noninterest expense to average assets | 3.1591% | 2,738 |
| Loan and lease loss provision to assets | 1.4571% | 241 |
| Net operating income to assets | -0.4512% | 6,798 |
| Return on assets (ROA) | 0.7694% | 3,763 |
| Pretax return on assets | 1.1191% | 3,246 |
| Return on Equity (ROE) | 6.2917% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.3861% | 3,321 |
| Net charge-offs to loans | 0.3896% | 2,134 |
| Credit loss provision to net charge-offs | 617.2840% | 554 |
| Earnings coverage of net charge-offs (x) | 3.4198% | 2,844 |
| Efficiency ratio | 78.3982% | 2,440 |
| Assets per employee ($millions) | 2.2824% | 7,002 |
| Cash dividends to net income (ytd only)* | 14.3939% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 3,313 |
| Loan loss allowance to noncurrent loans | 70.8146% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 3,673 |
| Noncurrent loans to loans | 2.4136% | 2,693 |
| Net loans and leases to total assets | 59.5059% | 3,777 |
| Net loans and leases to deposits | 68.2902% | 4,013 |
| Net loans and leases to core deposits | 71.4763% | 4,229 |
| Total domestic deposits to total assets | 87.1368% | 2,872 |
| Equity capital to assets | 11.9205% | 2,099 |
| Core capital (leverage) ratio | 7.1091% | 6,798 |
| Tier 1 risk-based capital ratio | 14.9614% | 3,782 |
| Total risk-based capital ratio | 16.2236% | 3,737 |
| Memoranda: | ||
| Average total assets | $137,254,500 | 4,085 |
| Average earning assets | $118,924,000 | 4,225 |
| Average equity | $16,784,000 | 3,680 |
| Average total loans | $83,161,000 | 4,037 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 3,698 |
| Cost of funding earning assets | 0.9152% | 4,006 |
| Net interest margin | 3.9073% | 3,305 |
| Noninterest income to average assets | 0.5276% | 3,665 |
| Noninterest expense to average assets | 3.2701% | 2,620 |
| Loan and lease loss provision to assets | 0.3234% | 3,101 |
| Net operating income to assets | 0.2277% | 5,498 |
| Return on assets (ROA) | 0.5501% | 4,415 |
| Pretax return on assets | 0.7986% | 3,983 |
| Return on Equity (ROE) | 4.6422% | 4,553 |
| Retained earnings to average equity (ytd only) | 1.3062% | 5,245 |
| Net charge-offs to loans | 0.1159% | 5,220 |
| Credit loss provision to net charge-offs | 445.0000% | 511 |
| Earnings coverage of net charge-offs (x) | 9.0100% | 2,051 |
| Efficiency ratio | 81.5775% | 2,084 |
| Assets per employee ($millions) | 2.1495% | 7,099 |
| Cash dividends to net income (ytd only)* | 71.8626% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,406 |
| Loan loss allowance to noncurrent loans | 50.2771% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.4974% | 3,704 |
| Noncurrent loans to loans | 2.3796% | 2,753 |
| Net loans and leases to total assets | 59.9115% | 4,008 |
| Net loans and leases to deposits | 69.5208% | 4,188 |
| Net loans and leases to core deposits | 72.8012% | 4,404 |
| Total domestic deposits to total assets | 86.1777% | 3,215 |
| Equity capital to assets | 12.5349% | 1,779 |
| Core capital (leverage) ratio | 6.9370% | 6,884 |
| Tier 1 risk-based capital ratio | 14.6267% | 3,881 |
| Total risk-based capital ratio | 15.8803% | 3,857 |
| Memoranda: | ||
| Average total assets | $137,611,400 | 4,021 |
| Average earning assets | $119,647,200 | 4,138 |
| Average equity | $16,307,000 | 3,677 |
| Average total loans | $86,294,200 | 3,957 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 3,825 |
| Cost of funding earning assets | 0.9407% | 4,105 |
| Net interest margin | 3.9010% | 3,378 |
| Noninterest income to average assets | 0.5387% | 3,592 |
| Noninterest expense to average assets | 3.2252% | 2,745 |
| Loan and lease loss provision to assets | 0.4311% | 2,319 |
| Net operating income to assets | 0.1854% | 5,741 |
| Return on assets (ROA) | 0.6152% | 4,200 |
| Pretax return on assets | 0.8962% | 3,779 |
| Return on Equity (ROE) | 5.2676% | 4,415 |
| Retained earnings to average equity (ytd only) | 2.8288% | 4,662 |
| Net charge-offs to loans | 0.1042% | 4,957 |
| Credit loss provision to net charge-offs | 654.4118% | 414 |
| Earnings coverage of net charge-offs (x) | 10.6917% | 1,887 |
| Efficiency ratio | 80.3501% | 2,206 |
| Assets per employee ($millions) | 2.2985% | 7,080 |
| Cash dividends to net income (ytd only)* | 46.2989% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 5,411 |
| Loan loss allowance to noncurrent loans | 51.1166% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 1.5855% | 3,713 |
| Noncurrent loans to loans | 2.3744% | 2,921 |
| Net loans and leases to total assets | 59.7899% | 4,165 |
| Net loans and leases to deposits | 69.1198% | 4,434 |
| Net loans and leases to core deposits | 73.2074% | 4,564 |
| Total domestic deposits to total assets | 86.5018% | 2,931 |
| Equity capital to assets | 12.2095% | 2,093 |
| Core capital (leverage) ratio | 6.9620% | 6,973 |
| Tier 1 risk-based capital ratio | 14.5830% | 3,920 |
| Total risk-based capital ratio | 15.8097% | 3,911 |
| Memoranda: | ||
| Average total assets | $137,622,250 | 4,043 |
| Average earning assets | $119,624,750 | 4,162 |
| Average equity | $16,072,750 | 3,725 |
| Average total loans | $87,013,500 | 3,969 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 3,877 |
| Cost of funding earning assets | 0.9640% | 4,221 |
| Net interest margin | 3.8831% | 3,387 |
| Noninterest income to average assets | 0.5689% | 3,340 |
| Noninterest expense to average assets | 3.2363% | 2,787 |
| Loan and lease loss provision to assets | 0.0980% | 5,093 |
| Net operating income to assets | 0.4145% | 4,876 |
| Return on assets (ROA) | 0.6113% | 4,133 |
| Pretax return on assets | 0.8892% | 3,656 |
| Return on Equity (ROE) | 5.3167% | 4,299 |
| Retained earnings to average equity (ytd only) | 2.0605% | 4,946 |
| Net charge-offs to loans | -0.0137% | 6,752 |
| Credit loss provision to net charge-offs | -1,116.6667% | 6,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4307% | 2,319 |
| Assets per employee ($millions) | 2.2709% | 7,139 |
| Cash dividends to net income (ytd only)* | 61.2440% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 6,805 |
| Loan loss allowance to noncurrent loans | 34.4402% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 1.6914% | 3,651 |
| Noncurrent loans to loans | 2.4267% | 2,960 |
| Net loans and leases to total assets | 62.1843% | 3,854 |
| Net loans and leases to deposits | 70.9589% | 4,298 |
| Net loans and leases to core deposits | 74.8053% | 4,466 |
| Total domestic deposits to total assets | 87.6342% | 2,378 |
| Equity capital to assets | 11.4945% | 2,504 |
| Core capital (leverage) ratio | 6.8337% | 7,048 |
| Tier 1 risk-based capital ratio | 12.1072% | 5,705 |
| Total risk-based capital ratio | 13.0589% | 5,917 |
| Memoranda: | ||
| Average total assets | $136,759,330 | 4,093 |
| Average earning assets | $118,666,670 | 4,217 |
| Average equity | $15,724,000 | 3,780 |
| Average total loans | $87,730,670 | 3,992 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 3,871 |
| Cost of funding earning assets | 0.9916% | 4,262 |
| Net interest margin | 3.8477% | 3,383 |
| Noninterest income to average assets | 0.6153% | 3,069 |
| Noninterest expense to average assets | 3.1853% | 2,945 |
| Loan and lease loss provision to assets | 0.0942% | 4,835 |
| Net operating income to assets | 0.4652% | 4,644 |
| Return on assets (ROA) | 0.4916% | 4,605 |
| Pretax return on assets | 0.7095% | 4,268 |
| Return on Equity (ROE) | 4.2753% | 4,759 |
| Retained earnings to average equity (ytd only) | 3.3025% | 4,205 |
| Net charge-offs to loans | -0.0227% | 6,611 |
| Credit loss provision to net charge-offs | -640.0000% | 6,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9121% | 2,704 |
| Assets per employee ($millions) | 2.4524% | 7,048 |
| Cash dividends to net income (ytd only)* | 22.7545% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 6,928 |
| Loan loss allowance to noncurrent loans | 48.6258% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 4,473 |
| Noncurrent loans to loans | 1.6392% | 4,022 |
| Net loans and leases to total assets | 62.5312% | 3,751 |
| Net loans and leases to deposits | 71.2297% | 4,167 |
| Net loans and leases to core deposits | 74.3444% | 4,502 |
| Total domestic deposits to total assets | 87.7881% | 2,493 |
| Equity capital to assets | 11.4488% | 2,315 |
| Core capital (leverage) ratio | 7.0739% | 6,971 |
| Tier 1 risk-based capital ratio | 14.5129% | 3,731 |
| Total risk-based capital ratio | 15.6039% | 3,797 |
| Memoranda: | ||
| Average total assets | $135,875,500 | 4,138 |
| Average earning assets | $117,785,000 | 4,259 |
| Average equity | $15,624,500 | 3,790 |
| Average total loans | $88,162,000 | 4,012 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1978% | 3,620 |
| Cost of funding earning assets | 1.2166% | 4,444 |
| Net interest margin | 3.9812% | 3,099 |
| Noninterest income to average assets | 0.6637% | 3,059 |
| Noninterest expense to average assets | 3.2782% | 2,801 |
| Loan and lease loss provision to assets | 0.0595% | 6,547 |
| Net operating income to assets | 0.5137% | 4,032 |
| Return on assets (ROA) | 0.5294% | 4,122 |
| Pretax return on assets | 0.7628% | 3,749 |
| Return on Equity (ROE) | 4.6428% | 4,234 |
| Retained earnings to average equity (ytd only) | 0.6955% | 5,217 |
| Net charge-offs to loans | 0.3163% | 4,437 |
| Credit loss provision to net charge-offs | 27.5510% | 6,510 |
| Earnings coverage of net charge-offs (x) | 3.7041% | 3,229 |
| Efficiency ratio | 78.1599% | 2,682 |
| Assets per employee ($millions) | 2.2403% | 7,266 |
| Cash dividends to net income (ytd only)* | 85.0208% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7275% | 7,092 |
| Loan loss allowance to noncurrent loans | 57.8901% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 4,906 |
| Noncurrent loans to loans | 1.2567% | 4,615 |
| Net loans and leases to total assets | 66.2895% | 3,406 |
| Net loans and leases to deposits | 75.6031% | 3,905 |
| Net loans and leases to core deposits | 78.8324% | 4,366 |
| Total domestic deposits to total assets | 87.6810% | 2,434 |
| Equity capital to assets | 11.5505% | 2,221 |
| Core capital (leverage) ratio | 6.9185% | 7,061 |
| Tier 1 risk-based capital ratio | 13.7092% | 4,055 |
| Total risk-based capital ratio | 14.7007% | 4,220 |
| Memoranda: | ||
| Average total assets | $136,202,800 | 4,136 |
| Average earning assets | $116,799,400 | 4,297 |
| Average equity | $15,529,400 | 3,860 |
| Average total loans | $92,948,000 | 3,982 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 3,482 |
| Cost of funding earning assets | 1.2566% | 4,525 |
| Net interest margin | 4.0150% | 3,030 |
| Noninterest income to average assets | 0.6732% | 2,994 |
| Noninterest expense to average assets | 3.2784% | 2,642 |
| Loan and lease loss provision to assets | 0.0790% | 6,254 |
| Net operating income to assets | 0.5230% | 4,207 |
| Return on assets (ROA) | 0.5230% | 4,389 |
| Pretax return on assets | 0.7513% | 4,076 |
| Return on Equity (ROE) | 4.6017% | 4,502 |
| Retained earnings to average equity (ytd only) | 1.2019% | 5,333 |
| Net charge-offs to loans | 0.3954% | 3,703 |
| Credit loss provision to net charge-offs | 29.1367% | 6,164 |
| Earnings coverage of net charge-offs (x) | 3.0611% | 3,600 |
| Efficiency ratio | 77.5825% | 2,683 |
| Assets per employee ($millions) | 2.2665% | 7,336 |
| Cash dividends to net income (ytd only)* | 73.8809% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 7,108 |
| Loan loss allowance to noncurrent loans | 65.1412% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 5,113 |
| Noncurrent loans to loans | 1.1511% | 4,938 |
| Net loans and leases to total assets | 66.2207% | 3,638 |
| Net loans and leases to deposits | 76.0229% | 4,173 |
| Net loans and leases to core deposits | 78.9074% | 4,680 |
| Total domestic deposits to total assets | 87.1063% | 2,468 |
| Equity capital to assets | 11.6673% | 2,388 |
| Core capital (leverage) ratio | 6.8686% | 7,224 |
| Tier 1 risk-based capital ratio | 13.9405% | 3,886 |
| Total risk-based capital ratio | 14.9734% | 3,994 |
| Memoranda: | ||
| Average total assets | $136,649,000 | 4,175 |
| Average earning assets | $116,925,750 | 4,360 |
| Average equity | $15,530,250 | 3,896 |
| Average total loans | $93,745,500 | 4,026 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 3,268 |
| Cost of funding earning assets | 1.2922% | 4,584 |
| Net interest margin | 4.0470% | 2,806 |
| Noninterest income to average assets | 0.6946% | 2,738 |
| Noninterest expense to average assets | 3.2785% | 2,629 |
| Loan and lease loss provision to assets | 0.0814% | 6,120 |
| Net operating income to assets | 0.5464% | 4,113 |
| Return on assets (ROA) | 0.5464% | 4,251 |
| Pretax return on assets | 0.7891% | 3,922 |
| Return on Equity (ROE) | 4.8496% | 4,359 |
| Retained earnings to average equity (ytd only) | 1.5349% | 5,102 |
| Net charge-offs to loans | 0.2751% | 3,964 |
| Credit loss provision to net charge-offs | 42.7481% | 5,560 |
| Earnings coverage of net charge-offs (x) | 4.5725% | 2,910 |
| Efficiency ratio | 76.8476% | 2,923 |
| Assets per employee ($millions) | 2.1313% | 7,491 |
| Cash dividends to net income (ytd only)* | 68.3511% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 6,896 |
| Loan loss allowance to noncurrent loans | 66.0267% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 4,972 |
| Noncurrent loans to loans | 1.2914% | 4,801 |
| Net loans and leases to total assets | 67.4328% | 3,514 |
| Net loans and leases to deposits | 76.7022% | 4,201 |
| Net loans and leases to core deposits | 80.7194% | 4,590 |
| Total domestic deposits to total assets | 87.9150% | 2,046 |
| Equity capital to assets | 11.4053% | 2,516 |
| Core capital (leverage) ratio | 6.7132% | 7,319 |
| Tier 1 risk-based capital ratio | 13.3514% | 4,169 |
| Total risk-based capital ratio | 14.5280% | 4,190 |
| Memoranda: | ||
| Average total assets | $137,624,000 | 4,183 |
| Average earning assets | $117,470,330 | 4,384 |
| Average equity | $15,506,330 | 3,894 |
| Average total loans | $95,253,330 | 4,033 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4582% | 2,791 |
| Cost of funding earning assets | 1.3466% | 4,525 |
| Net interest margin | 4.1116% | 2,393 |
| Noninterest income to average assets | 0.6771% | 2,761 |
| Noninterest expense to average assets | 3.3392% | 2,397 |
| Loan and lease loss provision to assets | 0.1620% | 4,906 |
| Net operating income to assets | 0.4572% | 4,587 |
| Return on assets (ROA) | 0.4572% | 4,710 |
| Pretax return on assets | 0.6569% | 4,384 |
| Return on Equity (ROE) | 4.0824% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.1006% | 4,278 |
| Net charge-offs to loans | 0.4353% | 2,745 |
| Credit loss provision to net charge-offs | 53.3333% | 4,430 |
| Earnings coverage of net charge-offs (x) | 2.6952% | 3,190 |
| Efficiency ratio | 78.1489% | 2,867 |
| Assets per employee ($millions) | 2.2347% | 7,515 |
| Cash dividends to net income (ytd only)* | 24.0506% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 6,982 |
| Loan loss allowance to noncurrent loans | 53.2595% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.2956% | 4,589 |
| Noncurrent loans to loans | 1.6013% | 4,343 |
| Net loans and leases to total assets | 67.4622% | 3,514 |
| Net loans and leases to deposits | 76.4287% | 4,335 |
| Net loans and leases to core deposits | 79.7839% | 4,786 |
| Total domestic deposits to total assets | 88.2681% | 1,915 |
| Equity capital to assets | 11.0372% | 2,724 |
| Core capital (leverage) ratio | 6.7215% | 7,382 |
| Tier 1 risk-based capital ratio | 12.6674% | 4,588 |
| Total risk-based capital ratio | 13.8243% | 4,637 |
| Memoranda: | ||
| Average total assets | $138,235,500 | 4,226 |
| Average earning assets | $117,034,500 | 4,447 |
| Average equity | $15,481,000 | 3,925 |
| Average total loans | $96,495,000 | 4,063 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9307% | 2,129 |
| Cost of funding earning assets | 1.6679% | 4,684 |
| Net interest margin | 4.2629% | 1,845 |
| Noninterest income to average assets | 0.7521% | 2,666 |
| Noninterest expense to average assets | 3.7918% | 1,711 |
| Loan and lease loss provision to assets | 0.1681% | 6,008 |
| Net operating income to assets | 0.2916% | 4,567 |
| Return on assets (ROA) | 0.2916% | 4,653 |
| Pretax return on assets | 0.3713% | 4,576 |
| Return on Equity (ROE) | 2.5899% | 4,665 |
| Retained earnings to average equity (ytd only) | -0.1233% | 4,965 |
| Net charge-offs to loans | 0.3755% | 4,329 |
| Credit loss provision to net charge-offs | 61.3333% | 6,625 |
| Earnings coverage of net charge-offs (x) | 1.9680% | 4,244 |
| Efficiency ratio | 83.9521% | 2,356 |
| Assets per employee ($millions) | 2.1201% | 7,636 |
| Cash dividends to net income (ytd only)* | 104.7619% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 6,854 |
| Loan loss allowance to noncurrent loans | 35.1176% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 1.8175% | 3,643 |
| Noncurrent loans to loans | 2.5372% | 3,016 |
| Net loans and leases to total assets | 70.9951% | 3,004 |
| Net loans and leases to deposits | 80.7046% | 3,859 |
| Net loans and leases to core deposits | 93.0427% | 4,776 |
| Total domestic deposits to total assets | 87.9691% | 1,985 |
| Equity capital to assets | 11.3669% | 2,423 |
| Core capital (leverage) ratio | 6.6758% | 7,421 |
| Tier 1 risk-based capital ratio | 12.1710% | 4,798 |
| Total risk-based capital ratio | 13.3694% | 4,801 |
| Memoranda: | ||
| Average total assets | $136,822,200 | 4,194 |
| Average earning assets | $114,876,000 | 4,425 |
| Average equity | $15,406,000 | 3,990 |
| Average total loans | $99,856,400 | 3,957 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0101% | 1,996 |
| Cost of funding earning assets | 1.7053% | 4,870 |
| Net interest margin | 4.3048% | 1,717 |
| Noninterest income to average assets | 0.7109% | 2,945 |
| Noninterest expense to average assets | 3.8879% | 1,447 |
| Loan and lease loss provision to assets | 0.1789% | 5,572 |
| Net operating income to assets | 0.1945% | 5,180 |
| Return on assets (ROA) | 0.1945% | 5,253 |
| Pretax return on assets | 0.2674% | 5,145 |
| Return on Equity (ROE) | 1.7314% | 5,252 |
| Retained earnings to average equity (ytd only) | 0.0086% | 5,200 |
| Net charge-offs to loans | 0.3780% | 3,761 |
| Credit loss provision to net charge-offs | 64.5614% | 6,090 |
| Earnings coverage of net charge-offs (x) | 1.6105% | 4,590 |
| Efficiency ratio | 86.2464% | 2,035 |
| Assets per employee ($millions) | 2.0439% | 7,764 |
| Cash dividends to net income (ytd only)* | 99.5012% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 6,682 |
| Loan loss allowance to noncurrent loans | 38.5593% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 1.7495% | 3,733 |
| Noncurrent loans to loans | 2.3807% | 3,168 |
| Net loans and leases to total assets | 72.8108% | 2,845 |
| Net loans and leases to deposits | 82.9037% | 3,849 |
| Net loans and leases to core deposits | 96.2904% | 4,778 |
| Total domestic deposits to total assets | 87.8257% | 1,738 |
| Equity capital to assets | 11.4582% | 2,630 |
| Core capital (leverage) ratio | 6.7266% | 7,570 |
| Tier 1 risk-based capital ratio | 10.6497% | 6,302 |
| Total risk-based capital ratio | 11.7295% | 6,445 |
| Memoranda: | ||
| Average total assets | $137,106,750 | 4,211 |
| Average earning assets | $115,402,000 | 4,441 |
| Average equity | $15,401,750 | 4,025 |
| Average total loans | $100,521,750 | 3,965 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0308% | 2,053 |
| Cost of funding earning assets | 1.7265% | 5,141 |
| Net interest margin | 4.3043% | 1,643 |
| Noninterest income to average assets | 0.6631% | 3,244 |
| Noninterest expense to average assets | 3.9364% | 1,420 |
| Loan and lease loss provision to assets | 0.2017% | 5,039 |
| Net operating income to assets | 0.1262% | 5,490 |
| Return on assets (ROA) | 0.1262% | 5,594 |
| Pretax return on assets | 0.1640% | 5,548 |
| Return on Equity (ROE) | 1.1311% | 5,599 |
| Retained earnings to average equity (ytd only) | -0.9491% | 5,466 |
| Net charge-offs to loans | 0.4793% | 2,916 |
| Credit loss provision to net charge-offs | 57.4380% | 5,639 |
| Earnings coverage of net charge-offs (x) | 1.0413% | 4,745 |
| Efficiency ratio | 88.2631% | 1,985 |
| Assets per employee ($millions) | 2.1233% | 7,756 |
| Cash dividends to net income (ytd only)* | 183.9080% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 6,722 |
| Loan loss allowance to noncurrent loans | 32.5915% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 2.1194% | 3,034 |
| Noncurrent loans to loans | 2.7946% | 2,580 |
| Net loans and leases to total assets | 72.6959% | 3,040 |
| Net loans and leases to deposits | 82.5478% | 4,128 |
| Net loans and leases to core deposits | 96.1383% | 4,890 |
| Total domestic deposits to total assets | 88.0652% | 1,732 |
| Equity capital to assets | 11.3064% | 2,675 |
| Core capital (leverage) ratio | 6.2862% | 7,859 |
| Tier 1 risk-based capital ratio | 10.1665% | 6,753 |
| Total risk-based capital ratio | 11.2815% | 6,813 |
| Memoranda: | ||
| Average total assets | $137,842,670 | 4,222 |
| Average earning assets | $116,535,000 | 4,452 |
| Average equity | $15,383,330 | 4,043 |
| Average total loans | $100,985,330 | 3,988 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1754% | 1,672 |
| Cost of funding earning assets | 1.7006% | 5,594 |
| Net interest margin | 4.4748% | 1,185 |
| Noninterest income to average assets | 0.7722% | 2,471 |
| Noninterest expense to average assets | 4.0254% | 1,155 |
| Loan and lease loss provision to assets | 0.1729% | 4,735 |
| Net operating income to assets | 0.2507% | 5,485 |
| Return on assets (ROA) | 0.2507% | 5,649 |
| Pretax return on assets | 0.3573% | 5,521 |
| Return on Equity (ROE) | 2.2608% | 5,682 |
| Retained earnings to average equity (ytd only) | -0.0780% | 5,666 |
| Net charge-offs to loans | 0.4959% | 2,222 |
| Credit loss provision to net charge-offs | 47.6190% | 4,714 |
| Earnings coverage of net charge-offs (x) | 1.4603% | 4,002 |
| Efficiency ratio | 86.0215% | 2,062 |
| Assets per employee ($millions) | 2.1745% | 7,749 |
| Cash dividends to net income (ytd only)* | 103.4483% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 6,557 |
| Loan loss allowance to noncurrent loans | 51.6676% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 3,748 |
| Noncurrent loans to loans | 1.8186% | 3,534 |
| Net loans and leases to total assets | 71.5846% | 3,329 |
| Net loans and leases to deposits | 82.1033% | 4,267 |
| Net loans and leases to core deposits | 95.6342% | 5,007 |
| Total domestic deposits to total assets | 87.1884% | 2,128 |
| Equity capital to assets | 11.1151% | 2,877 |
| Core capital (leverage) ratio | 6.2329% | 7,963 |
| Tier 1 risk-based capital ratio | 9.7727% | 7,173 |
| Total risk-based capital ratio | 10.8866% | 7,236 |
| Memoranda: | ||
| Average total assets | $138,820,000 | 4,210 |
| Average earning assets | $117,368,500 | 4,446 |
| Average equity | $15,393,000 | 4,065 |
| Average total loans | $101,631,500 | 3,988 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4415% | 3,218 |
| Cost of funding earning assets | 2.1101% | 6,007 |
| Net interest margin | 4.3314% | 1,881 |
| Noninterest income to average assets | 0.7114% | 3,045 |
| Noninterest expense to average assets | 3.4800% | 2,455 |
| Loan and lease loss provision to assets | 0.4054% | 3,255 |
| Net operating income to assets | 0.4411% | 4,986 |
| Return on assets (ROA) | 0.4459% | 4,791 |
| Pretax return on assets | 0.6607% | 4,516 |
| Return on Equity (ROE) | 3.4948% | 5,039 |
| Retained earnings to average equity (ytd only) | 0.6195% | 4,871 |
| Net charge-offs to loans | 0.0542% | 6,011 |
| Credit loss provision to net charge-offs | 1,052.6316% | 422 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,241 |
| Efficiency ratio | 76.2447% | 3,196 |
| Assets per employee ($millions) | 2.0980% | 7,825 |
| Cash dividends to net income (ytd only)* | 82.2727% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 6,179 |
| Loan loss allowance to noncurrent loans | 44.0331% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 1.7470% | 2,800 |
| Noncurrent loans to loans | 2.2358% | 2,462 |
| Net loans and leases to total assets | 73.4330% | 3,253 |
| Net loans and leases to deposits | 86.9352% | 3,960 |
| Net loans and leases to core deposits | 100.8410% | 4,742 |
| Total domestic deposits to total assets | 84.4687% | 3,094 |
| Equity capital to assets | 11.0617% | 2,989 |
| Core capital (leverage) ratio | 7.3177% | 7,393 |
| Tier 1 risk-based capital ratio | 11.3763% | 5,356 |
| Total risk-based capital ratio | 12.6280% | 5,257 |
| Memoranda: | ||
| Average total assets | $98,676,800 | 5,095 |
| Average earning assets | $87,200,400 | 5,177 |
| Average equity | $12,590,000 | 4,677 |
| Average total loans | $70,076,400 | 4,863 |