Home > The First National Bank of Milaca > Performance and Condition Ratios
The First National Bank of Milaca, 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 | 5.0356% | 3,056 |
| Cost of funding earning assets | 1.1440% | 3,826 |
| Net interest margin | 3.8916% | 1,481 |
| Noninterest income to average assets | 0.5000% | 1,747 |
| Noninterest expense to average assets | 2.7718% | 1,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.4664% | 1,147 |
| Return on assets (ROA) | 1.4664% | 1,143 |
| Pretax return on assets | 1.4664% | 1,590 |
| Return on Equity (ROE) | 17.5500% | 689 |
| Retained earnings to average equity (ytd only) | 15.0528% | 414 |
| Net charge-offs to loans | 0.0339% | 1,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 861 |
| Efficiency ratio | 65.4003% | 2,316 |
| Assets per employee ($millions) | 5.3058% | 3,458 |
| Cash dividends to net income (ytd only)* | 14.2157% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,043 |
| Loan loss allowance to noncurrent loans | 98.3791% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 964 |
| Noncurrent loans to loans | 1.2490% | 840 |
| Net loans and leases to total assets | 62.4600% | 2,652 |
| Net loans and leases to deposits | 68.5141% | 2,950 |
| Net loans and leases to core deposits | 71.8224% | 3,206 |
| Total domestic deposits to total assets | 91.1600% | 476 |
| Equity capital to assets | 8.5962% | 3,236 |
| Core capital (leverage) ratio | 9.7652% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8145% | 909 |
| Memoranda: | ||
| Average total assets | $278,230,000 | 2,585 |
| Average earning assets | $267,136,500 | 2,538 |
| Average equity | $23,251,500 | 2,810 |
| Average total loans | $176,880,000 | 2,557 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 3,648 |
| Cost of funding earning assets | 1.1649% | 3,857 |
| Net interest margin | 3.5023% | 2,073 |
| Noninterest income to average assets | 0.5900% | 1,538 |
| Noninterest expense to average assets | 2.7610% | 1,605 |
| Loan and lease loss provision to assets | 0.9900% | 74 |
| Net operating income to assets | 0.2140% | 3,957 |
| Return on assets (ROA) | 0.2140% | 3,987 |
| Pretax return on assets | 0.2140% | 4,026 |
| Return on Equity (ROE) | 2.6200% | 3,920 |
| Retained earnings to average equity (ytd only) | -4.7309% | 4,283 |
| Net charge-offs to loans | 1.2363% | 121 |
| Credit loss provision to net charge-offs | 123.1439% | 1,632 |
| Earnings coverage of net charge-offs (x) | 1.4982% | 2,901 |
| Efficiency ratio | 69.6725% | 2,033 |
| Assets per employee ($millions) | 5.0046% | 3,634 |
| Cash dividends to net income (ytd only)* | 280.4124% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 1,907 |
| Loan loss allowance to noncurrent loans | 100.4566% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 909 |
| Noncurrent loans to loans | 1.2448% | 811 |
| Net loans and leases to total assets | 63.1200% | 2,656 |
| Net loans and leases to deposits | 68.8804% | 3,026 |
| Net loans and leases to core deposits | 72.3684% | 3,239 |
| Total domestic deposits to total assets | 91.6400% | 366 |
| Equity capital to assets | 8.1125% | 3,440 |
| Core capital (leverage) ratio | 9.3811% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5730% | 958 |
| Memoranda: | ||
| Average total assets | $272,004,400 | 2,583 |
| Average earning assets | $261,571,200 | 2,536 |
| Average equity | $22,194,400 | 2,818 |
| Average total loans | $176,488,800 | 2,529 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 3,791 |
| Cost of funding earning assets | 1.1487% | 3,888 |
| Net interest margin | 3.3904% | 2,248 |
| Noninterest income to average assets | 0.6200% | 1,407 |
| Noninterest expense to average assets | 2.6908% | 1,709 |
| Loan and lease loss provision to assets | 0.9100% | 78 |
| Net operating income to assets | 0.2861% | 3,881 |
| Return on assets (ROA) | 0.2861% | 3,911 |
| Pretax return on assets | 0.2861% | 3,966 |
| Return on Equity (ROE) | 3.5000% | 3,810 |
| Retained earnings to average equity (ytd only) | -4.6809% | 4,325 |
| Net charge-offs to loans | 0.7866% | 177 |
| Credit loss provision to net charge-offs | 177.0633% | 1,168 |
| Earnings coverage of net charge-offs (x) | 2.3292% | 2,599 |
| Efficiency ratio | 69.2785% | 2,113 |
| Assets per employee ($millions) | 5.0054% | 3,649 |
| Cash dividends to net income (ytd only)* | 233.6770% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 1,400 |
| Loan loss allowance to noncurrent loans | 62.2787% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.4570% | 364 |
| Noncurrent loans to loans | 2.2204% | 337 |
| Net loans and leases to total assets | 64.7100% | 2,451 |
| Net loans and leases to deposits | 70.8555% | 2,915 |
| Net loans and leases to core deposits | 73.7248% | 3,198 |
| Total domestic deposits to total assets | 91.3300% | 288 |
| Equity capital to assets | 8.3961% | 3,467 |
| Core capital (leverage) ratio | 9.7381% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0865% | 1,079 |
| Memoranda: | ||
| Average total assets | $271,192,250 | 2,583 |
| Average earning assets | $260,925,500 | 2,535 |
| Average equity | $22,160,500 | 2,813 |
| Average total loans | $176,626,750 | 2,526 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 3,895 |
| Cost of funding earning assets | 1.1278% | 3,887 |
| Net interest margin | 3.2896% | 2,429 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.7010% | 1,679 |
| Loan and lease loss provision to assets | 0.3600% | 263 |
| Net operating income to assets | 0.7553% | 2,774 |
| Return on assets (ROA) | 0.7553% | 2,790 |
| Pretax return on assets | 0.7553% | 3,102 |
| Return on Equity (ROE) | 9.3300% | 2,363 |
| Retained earnings to average equity (ytd only) | 1.8587% | 3,394 |
| Net charge-offs to loans | 0.0662% | 1,116 |
| Credit loss provision to net charge-offs | 836.2069% | 448 |
| Earnings coverage of net charge-offs (x) | 25.9310% | 1,482 |
| Efficiency ratio | 70.7848% | 2,013 |
| Assets per employee ($millions) | 4.8103% | 3,732 |
| Cash dividends to net income (ytd only)* | 80.0785% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,293 |
| Loan loss allowance to noncurrent loans | 45.5267% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.7303% | 246 |
| Noncurrent loans to loans | 2.6133% | 243 |
| Net loans and leases to total assets | 65.4200% | 2,408 |
| Net loans and leases to deposits | 71.5693% | 2,870 |
| Net loans and leases to core deposits | 74.2227% | 3,143 |
| Total domestic deposits to total assets | 91.4100% | 366 |
| Equity capital to assets | 8.2776% | 3,244 |
| Core capital (leverage) ratio | 10.1808% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $269,824,667 | 2,590 |
| Average earning assets | $259,786,667 | 2,544 |
| Average equity | $21,842,667 | 2,811 |
| Average total loans | $175,288,000 | 2,533 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 3,967 |
| Cost of funding earning assets | 1.0649% | 3,919 |
| Net interest margin | 3.2302% | 2,498 |
| Noninterest income to average assets | 0.6800% | 1,089 |
| Noninterest expense to average assets | 2.6884% | 1,706 |
| Loan and lease loss provision to assets | 0.5900% | 133 |
| Net operating income to assets | 0.5140% | 3,363 |
| Return on assets (ROA) | 0.5140% | 3,381 |
| Pretax return on assets | 0.5140% | 3,547 |
| Return on Equity (ROE) | 6.4200% | 3,098 |
| Retained earnings to average equity (ytd only) | -3.6456% | 4,052 |
| Net charge-offs to loans | 0.0737% | 870 |
| Credit loss provision to net charge-offs | 1,250.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 23.3438% | 1,277 |
| Efficiency ratio | 70.8431% | 2,057 |
| Assets per employee ($millions) | 4.7318% | 3,824 |
| Cash dividends to net income (ytd only)* | 156.7723% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,375 |
| Loan loss allowance to noncurrent loans | 43.7235% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.7798% | 209 |
| Noncurrent loans to loans | 2.6999% | 199 |
| Net loans and leases to total assets | 65.1400% | 2,351 |
| Net loans and leases to deposits | 71.3663% | 2,787 |
| Net loans and leases to core deposits | 74.0082% | 3,111 |
| Total domestic deposits to total assets | 91.2800% | 462 |
| Equity capital to assets | 8.1225% | 3,279 |
| Core capital (leverage) ratio | 10.0672% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1173% | 1,070 |
| Memoranda: | ||
| Average total assets | $270,048,000 | 2,596 |
| Average earning assets | $260,296,000 | 2,543 |
| Average equity | $21,615,000 | 2,836 |
| Average total loans | $173,752,000 | 2,543 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9753% | 4,002 |
| Cost of funding earning assets | 0.7821% | 3,784 |
| Net interest margin | 3.1932% | 2,895 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.8102% | 1,470 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8061% | 2,854 |
| Return on assets (ROA) | 0.7887% | 2,883 |
| Pretax return on assets | 0.7887% | 3,235 |
| Return on Equity (ROE) | 11.0000% | 2,224 |
| Retained earnings to average equity (ytd only) | 2.9323% | 3,300 |
| Net charge-offs to loans | 0.1236% | 790 |
| Credit loss provision to net charge-offs | 92.2330% | 1,935 |
| Earnings coverage of net charge-offs (x) | 11.7136% | 2,179 |
| Efficiency ratio | 76.2570% | 1,223 |
| Assets per employee ($millions) | 5.0948% | 3,563 |
| Cash dividends to net income (ytd only)* | 73.3333% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 3,408 |
| Loan loss allowance to noncurrent loans | 235.0902% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 1,910 |
| Noncurrent loans to loans | 0.4172% | 1,736 |
| Net loans and leases to total assets | 62.2100% | 2,654 |
| Net loans and leases to deposits | 67.8265% | 3,046 |
| Net loans and leases to core deposits | 69.9726% | 3,308 |
| Total domestic deposits to total assets | 91.7100% | 353 |
| Equity capital to assets | 7.8901% | 3,486 |
| Core capital (leverage) ratio | 9.7824% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9018% | 941 |
| Memoranda: | ||
| Average total assets | $275,784,800 | 2,547 |
| Average earning assets | $265,310,800 | 2,491 |
| Average equity | $19,779,600 | 2,874 |
| Average total loans | $166,607,600 | 2,545 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 4,059 |
| Cost of funding earning assets | 0.7144% | 3,733 |
| Net interest margin | 3.1407% | 3,050 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.5985% | 1,949 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.8924% | 2,709 |
| Return on assets (ROA) | 0.8692% | 2,786 |
| Pretax return on assets | 0.8692% | 3,178 |
| Return on Equity (ROE) | 12.4300% | 2,023 |
| Retained earnings to average equity (ytd only) | 3.2473% | 3,453 |
| Net charge-offs to loans | 0.1123% | 712 |
| Credit loss provision to net charge-offs | 129.4964% | 1,426 |
| Earnings coverage of net charge-offs (x) | 14.5827% | 1,993 |
| Efficiency ratio | 72.6266% | 1,497 |
| Assets per employee ($millions) | 5.3394% | 3,315 |
| Cash dividends to net income (ytd only)* | 73.8744% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,263 |
| Loan loss allowance to noncurrent loans | 202.1940% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 1,789 |
| Noncurrent loans to loans | 0.5038% | 1,555 |
| Net loans and leases to total assets | 60.1200% | 2,831 |
| Net loans and leases to deposits | 66.0482% | 3,121 |
| Net loans and leases to core deposits | 67.2032% | 3,365 |
| Total domestic deposits to total assets | 91.0300% | 660 |
| Equity capital to assets | 6.8548% | 3,683 |
| Core capital (leverage) ratio | 9.6443% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6391% | 998 |
| Memoranda: | ||
| Average total assets | $275,951,750 | 2,549 |
| Average earning assets | $265,373,500 | 2,490 |
| Average equity | $19,297,750 | 2,909 |
| Average total loans | $165,051,500 | 2,566 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7486% | 4,084 |
| Cost of funding earning assets | 0.5975% | 3,758 |
| Net interest margin | 3.1511% | 3,099 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.5928% | 1,947 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9539% | 2,570 |
| Return on assets (ROA) | 0.9188% | 2,677 |
| Pretax return on assets | 0.9188% | 3,124 |
| Return on Equity (ROE) | 13.0500% | 1,888 |
| Retained earnings to average equity (ytd only) | 4.7653% | 3,005 |
| Net charge-offs to loans | -0.0295% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.9911% | 1,563 |
| Assets per employee ($millions) | 5.2167% | 3,397 |
| Cash dividends to net income (ytd only)* | 63.4845% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,112 |
| Loan loss allowance to noncurrent loans | 232.2208% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 1,819 |
| Noncurrent loans to loans | 0.4587% | 1,568 |
| Net loans and leases to total assets | 59.6400% | 2,807 |
| Net loans and leases to deposits | 68.2662% | 2,910 |
| Net loans and leases to core deposits | 70.2624% | 3,110 |
| Total domestic deposits to total assets | 87.3600% | 1,815 |
| Equity capital to assets | 6.9776% | 3,813 |
| Core capital (leverage) ratio | 9.9114% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7108% | 1,000 |
| Memoranda: | ||
| Average total assets | $273,607,000 | 2,567 |
| Average earning assets | $263,083,000 | 2,514 |
| Average equity | $19,264,333 | 2,925 |
| Average total loans | $162,774,000 | 2,576 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6961% | 4,026 |
| Cost of funding earning assets | 0.4653% | 3,792 |
| Net interest margin | 3.2308% | 3,040 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.5597% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1545% | 2,052 |
| Return on assets (ROA) | 1.0832% | 2,249 |
| Pretax return on assets | 1.0832% | 2,756 |
| Return on Equity (ROE) | 15.3100% | 1,492 |
| Retained earnings to average equity (ytd only) | 4.1534% | 3,228 |
| Net charge-offs to loans | -0.0151% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.9173% | 1,867 |
| Assets per employee ($millions) | 5.1040% | 3,571 |
| Cash dividends to net income (ytd only)* | 72.8767% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,259 |
| Loan loss allowance to noncurrent loans | 156.2842% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 1,093 |
| Noncurrent loans to loans | 0.6769% | 1,117 |
| Net loans and leases to total assets | 59.3300% | 2,734 |
| Net loans and leases to deposits | 64.9988% | 3,014 |
| Net loans and leases to core deposits | 66.8914% | 3,164 |
| Total domestic deposits to total assets | 91.2800% | 712 |
| Equity capital to assets | 7.2939% | 3,676 |
| Core capital (leverage) ratio | 9.9736% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3976% | 928 |
| Memoranda: | ||
| Average total assets | $269,559,500 | 2,617 |
| Average earning assets | $258,759,500 | 2,567 |
| Average equity | $19,068,500 | 2,968 |
| Average total loans | $159,256,000 | 2,628 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2384% | 3,743 |
| Cost of funding earning assets | 0.1335% | 4,213 |
| Net interest margin | 3.1049% | 3,165 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.7134% | 1,522 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7929% | 3,350 |
| Return on assets (ROA) | 0.7963% | 3,268 |
| Pretax return on assets | 0.7963% | 3,633 |
| Return on Equity (ROE) | 10.4400% | 2,664 |
| Retained earnings to average equity (ytd only) | -0.1276% | 4,372 |
| Net charge-offs to loans | 0.0310% | 1,449 |
| Credit loss provision to net charge-offs | 266.6667% | 970 |
| Earnings coverage of net charge-offs (x) | 49.7333% | 1,372 |
| Efficiency ratio | 76.4073% | 971 |
| Assets per employee ($millions) | 4.9742% | 3,704 |
| Cash dividends to net income (ytd only)* | 101.2224% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 3,401 |
| Loan loss allowance to noncurrent loans | 261.3065% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 1,750 |
| Noncurrent loans to loans | 0.3820% | 1,774 |
| Net loans and leases to total assets | 57.6000% | 2,858 |
| Net loans and leases to deposits | 62.9954% | 3,113 |
| Net loans and leases to core deposits | 64.0214% | 3,264 |
| Total domestic deposits to total assets | 91.4400% | 800 |
| Equity capital to assets | 6.8524% | 3,745 |
| Core capital (leverage) ratio | 9.9212% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8452% | 849 |
| Memoranda: | ||
| Average total assets | $267,118,800 | 2,626 |
| Average earning assets | $255,404,400 | 2,575 |
| Average equity | $20,377,600 | 2,922 |
| Average total loans | $145,120,200 | 2,680 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1686% | 3,513 |
| Cost of funding earning assets | 0.1161% | 4,151 |
| Net interest margin | 3.0525% | 3,069 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.5837% | 1,754 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8877% | 2,927 |
| Return on assets (ROA) | 0.8922% | 2,877 |
| Pretax return on assets | 0.8922% | 3,341 |
| Return on Equity (ROE) | 11.4000% | 2,239 |
| Retained earnings to average equity (ytd only) | -0.0575% | 4,351 |
| Net charge-offs to loans | 0.0806% | 737 |
| Credit loss provision to net charge-offs | 58.1395% | 1,499 |
| Earnings coverage of net charge-offs (x) | 21.2326% | 1,690 |
| Efficiency ratio | 73.8956% | 1,283 |
| Assets per employee ($millions) | 4.9027% | 3,761 |
| Cash dividends to net income (ytd only)* | 100.5042% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 3,654 |
| Loan loss allowance to noncurrent loans | 192.4303% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 1,575 |
| Noncurrent loans to loans | 0.4986% | 1,553 |
| Net loans and leases to total assets | 56.4900% | 2,856 |
| Net loans and leases to deposits | 60.6223% | 3,142 |
| Net loans and leases to core deposits | 61.6041% | 3,262 |
| Total domestic deposits to total assets | 93.1900% | 526 |
| Equity capital to assets | 6.4945% | 3,739 |
| Core capital (leverage) ratio | 9.8246% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5001% | 789 |
| Memoranda: | ||
| Average total assets | $266,747,000 | 2,646 |
| Average earning assets | $254,866,000 | 2,604 |
| Average equity | $20,870,500 | 2,915 |
| Average total loans | $142,327,750 | 2,714 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0399% | 3,454 |
| Cost of funding earning assets | 0.1153% | 4,014 |
| Net interest margin | 2.9245% | 3,106 |
| Noninterest income to average assets | 0.5452% | 1,969 |
| Noninterest expense to average assets | 2.5391% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7935% | 2,982 |
| Return on assets (ROA) | 0.8003% | 2,923 |
| Pretax return on assets | 0.8003% | 3,327 |
| Return on Equity (ROE) | 9.6850% | 2,461 |
| Retained earnings to average equity (ytd only) | -0.0634% | 4,177 |
| Net charge-offs to loans | 0.0258% | 1,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 58.9444% | 1,088 |
| Efficiency ratio | 76.1894% | 1,257 |
| Assets per employee ($millions) | 5.0344% | 3,649 |
| Cash dividends to net income (ytd only)* | 100.6542% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,469 |
| Loan loss allowance to noncurrent loans | 269.1743% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 2,326 |
| Noncurrent loans to loans | 0.3825% | 1,992 |
| Net loans and leases to total assets | 51.8664% | 3,174 |
| Net loans and leases to deposits | 56.0876% | 3,366 |
| Net loans and leases to core deposits | 56.9150% | 3,496 |
| Total domestic deposits to total assets | 92.4740% | 664 |
| Equity capital to assets | 7.2082% | 3,657 |
| Core capital (leverage) ratio | 10.1025% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6297% | 648 |
| Memoranda: | ||
| Average total assets | $267,414,000 | 2,668 |
| Average earning assets | $254,877,333 | 2,638 |
| Average equity | $22,096,000 | 2,882 |
| Average total loans | $139,433,000 | 2,756 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9408% | 3,426 |
| Cost of funding earning assets | 0.1162% | 3,939 |
| Net interest margin | 2.8246% | 3,061 |
| Noninterest income to average assets | 0.5671% | 1,832 |
| Noninterest expense to average assets | 2.5491% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7315% | 2,923 |
| Return on assets (ROA) | 0.7451% | 2,867 |
| Pretax return on assets | 0.7451% | 3,263 |
| Return on Equity (ROE) | 8.4640% | 2,532 |
| Retained earnings to average equity (ytd only) | -3.8379% | 4,362 |
| Net charge-offs to loans | 0.0435% | 849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 1,098 |
| Efficiency ratio | 77.7011% | 1,339 |
| Assets per employee ($millions) | 4.7710% | 3,947 |
| Cash dividends to net income (ytd only)* | 145.3441% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,467 |
| Loan loss allowance to noncurrent loans | 250.1701% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 2,307 |
| Noncurrent loans to loans | 0.4265% | 1,963 |
| Net loans and leases to total assets | 51.9782% | 2,990 |
| Net loans and leases to deposits | 56.5854% | 3,210 |
| Net loans and leases to core deposits | 57.3221% | 3,360 |
| Total domestic deposits to total assets | 91.8580% | 633 |
| Equity capital to assets | 8.0086% | 3,562 |
| Core capital (leverage) ratio | 10.0300% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2363% | 623 |
| Memoranda: | ||
| Average total assets | $265,192,000 | 2,691 |
| Average earning assets | $254,757,500 | 2,655 |
| Average equity | $23,346,000 | 2,880 |
| Average total loans | $137,914,500 | 2,768 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3763% | 2,989 |
| Cost of funding earning assets | 0.1313% | 4,143 |
| Net interest margin | 3.2451% | 2,475 |
| Noninterest income to average assets | 0.5107% | 2,512 |
| Noninterest expense to average assets | 2.5797% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0453% | 2,496 |
| Return on assets (ROA) | 1.0734% | 2,471 |
| Pretax return on assets | 1.0734% | 3,053 |
| Return on Equity (ROE) | 10.7683% | 2,249 |
| Retained earnings to average equity (ytd only) | 2.2167% | 3,919 |
| Net charge-offs to loans | 0.0786% | 1,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 25.8889% | 1,714 |
| Efficiency ratio | 71.1634% | 1,596 |
| Assets per employee ($millions) | 4.8723% | 3,833 |
| Cash dividends to net income (ytd only)* | 79.4148% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,453 |
| Loan loss allowance to noncurrent loans | 158.9936% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 1,568 |
| Noncurrent loans to loans | 0.6770% | 1,477 |
| Net loans and leases to total assets | 50.9292% | 3,180 |
| Net loans and leases to deposits | 56.4035% | 3,384 |
| Net loans and leases to core deposits | 57.2078% | 3,534 |
| Total domestic deposits to total assets | 90.2944% | 816 |
| Equity capital to assets | 9.5818% | 3,060 |
| Core capital (leverage) ratio | 9.5990% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9405% | 565 |
| Memoranda: | ||
| Average total assets | $267,470,600 | 2,618 |
| Average earning assets | $256,698,600 | 2,576 |
| Average equity | $26,661,600 | 2,747 |
| Average total loans | $137,486,800 | 2,753 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4773% | 2,907 |
| Cost of funding earning assets | 0.1331% | 4,245 |
| Net interest margin | 3.3441% | 2,305 |
| Noninterest income to average assets | 0.4957% | 2,638 |
| Noninterest expense to average assets | 2.4702% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2323% | 2,055 |
| Return on assets (ROA) | 1.2697% | 1,974 |
| Pretax return on assets | 1.2697% | 2,704 |
| Return on Equity (ROE) | 12.6156% | 1,827 |
| Retained earnings to average equity (ytd only) | 3.2010% | 3,828 |
| Net charge-offs to loans | 0.1009% | 733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 23.7596% | 1,660 |
| Efficiency ratio | 66.7161% | 2,003 |
| Assets per employee ($millions) | 5.0892% | 3,616 |
| Cash dividends to net income (ytd only)* | 74.6269% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,562 |
| Loan loss allowance to noncurrent loans | 146.0784% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 1,671 |
| Noncurrent loans to loans | 0.7354% | 1,523 |
| Net loans and leases to total assets | 49.9272% | 3,419 |
| Net loans and leases to deposits | 55.4441% | 3,627 |
| Net loans and leases to core deposits | 56.2233% | 3,754 |
| Total domestic deposits to total assets | 90.0497% | 757 |
| Equity capital to assets | 9.6854% | 3,204 |
| Core capital (leverage) ratio | 9.7567% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9494% | 606 |
| Memoranda: | ||
| Average total assets | $267,343,750 | 2,640 |
| Average earning assets | $256,364,750 | 2,592 |
| Average equity | $26,907,750 | 2,763 |
| Average total loans | $137,367,500 | 2,791 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 2,314 |
| Cost of funding earning assets | 0.1391% | 4,287 |
| Net interest margin | 3.5664% | 1,668 |
| Noninterest income to average assets | 0.5052% | 2,600 |
| Noninterest expense to average assets | 2.4942% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4385% | 1,455 |
| Return on assets (ROA) | 1.4838% | 1,399 |
| Pretax return on assets | 1.4838% | 2,069 |
| Return on Equity (ROE) | 14.5530% | 1,269 |
| Retained earnings to average equity (ytd only) | 6.1101% | 2,759 |
| Net charge-offs to loans | 0.1461% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 19.0500% | 1,552 |
| Efficiency ratio | 63.4217% | 2,507 |
| Assets per employee ($millions) | 5.0906% | 3,569 |
| Cash dividends to net income (ytd only)* | 58.0153% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,439 |
| Loan loss allowance to noncurrent loans | 100.9466% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 1,217 |
| Noncurrent loans to loans | 1.0843% | 1,119 |
| Net loans and leases to total assets | 50.0007% | 3,556 |
| Net loans and leases to deposits | 55.6887% | 3,733 |
| Net loans and leases to core deposits | 56.4167% | 3,864 |
| Total domestic deposits to total assets | 89.7862% | 878 |
| Equity capital to assets | 10.0529% | 2,804 |
| Core capital (leverage) ratio | 10.1940% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3575% | 659 |
| Memoranda: | ||
| Average total assets | $264,853,000 | 2,650 |
| Average earning assets | $254,539,667 | 2,596 |
| Average equity | $27,004,667 | 2,737 |
| Average total loans | $136,924,000 | 2,817 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 1,646 |
| Cost of funding earning assets | 0.1467% | 4,329 |
| Net interest margin | 3.8291% | 1,086 |
| Noninterest income to average assets | 0.4955% | 2,632 |
| Noninterest expense to average assets | 2.4834% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7136% | 915 |
| Return on assets (ROA) | 1.7989% | 844 |
| Pretax return on assets | 1.7989% | 1,290 |
| Return on Equity (ROE) | 17.5168% | 780 |
| Retained earnings to average equity (ytd only) | 6.2348% | 2,819 |
| Net charge-offs to loans | 0.2391% | 355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.7073% | 1,392 |
| Efficiency ratio | 59.1718% | 3,131 |
| Assets per employee ($millions) | 5.1342% | 3,500 |
| Cash dividends to net income (ytd only)* | 64.4068% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 3,427 |
| Loan loss allowance to noncurrent loans | 95.3312% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 1,283 |
| Noncurrent loans to loans | 1.1544% | 1,154 |
| Net loans and leases to total assets | 50.8639% | 3,553 |
| Net loans and leases to deposits | 56.6587% | 3,741 |
| Net loans and leases to core deposits | 57.4062% | 3,881 |
| Total domestic deposits to total assets | 89.7725% | 921 |
| Equity capital to assets | 10.0496% | 2,662 |
| Core capital (leverage) ratio | 10.1552% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1649% | 665 |
| Memoranda: | ||
| Average total assets | $262,378,500 | 2,649 |
| Average earning assets | $253,639,000 | 2,588 |
| Average equity | $26,945,500 | 2,735 |
| Average total loans | $137,188,000 | 2,816 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 2,351 |
| Cost of funding earning assets | 0.2805% | 4,239 |
| Net interest margin | 3.8449% | 1,372 |
| Noninterest income to average assets | 0.5481% | 2,429 |
| Noninterest expense to average assets | 2.8524% | 1,810 |
| Loan and lease loss provision to assets | 0.1386% | 2,626 |
| Net operating income to assets | 1.2528% | 1,377 |
| Return on assets (ROA) | 1.2972% | 1,357 |
| Pretax return on assets | 1.2972% | 1,986 |
| Return on Equity (ROE) | 11.4113% | 1,492 |
| Retained earnings to average equity (ytd only) | 2.5442% | 3,574 |
| Net charge-offs to loans | -0.0324% | 4,560 |
| Credit loss provision to net charge-offs | -722.2222% | 3,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2128% | 2,338 |
| Assets per employee ($millions) | 4.8638% | 3,533 |
| Cash dividends to net income (ytd only)* | 77.7047% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 3,142 |
| Loan loss allowance to noncurrent loans | 84.2940% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 1,198 |
| Noncurrent loans to loans | 1.3796% | 989 |
| Net loans and leases to total assets | 52.5549% | 3,628 |
| Net loans and leases to deposits | 58.8116% | 3,844 |
| Net loans and leases to core deposits | 59.5394% | 3,972 |
| Total domestic deposits to total assets | 89.3615% | 825 |
| Equity capital to assets | 10.4977% | 2,674 |
| Core capital (leverage) ratio | 10.2641% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7967% | 683 |
| Memoranda: | ||
| Average total assets | $234,431,400 | 2,688 |
| Average earning assets | $225,338,800 | 2,632 |
| Average equity | $26,649,000 | 2,696 |
| Average total loans | $138,900,000 | 2,762 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 1,925 |
| Cost of funding earning assets | 0.3088% | 4,276 |
| Net interest margin | 4.0618% | 973 |
| Noninterest income to average assets | 0.5523% | 2,382 |
| Noninterest expense to average assets | 2.8212% | 1,913 |
| Loan and lease loss provision to assets | 0.1894% | 2,094 |
| Net operating income to assets | 1.4389% | 1,015 |
| Return on assets (ROA) | 1.4996% | 988 |
| Pretax return on assets | 1.4996% | 1,451 |
| Return on Equity (ROE) | 12.9131% | 1,136 |
| Retained earnings to average equity (ytd only) | 3.0236% | 3,516 |
| Net charge-offs to loans | -0.0603% | 4,717 |
| Credit loss provision to net charge-offs | -515.8730% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4028% | 2,847 |
| Assets per employee ($millions) | 4.6134% | 3,710 |
| Cash dividends to net income (ytd only)* | 76.5850% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,145 |
| Loan loss allowance to noncurrent loans | 81.6937% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 1,228 |
| Noncurrent loans to loans | 1.3605% | 1,077 |
| Net loans and leases to total assets | 57.5346% | 3,464 |
| Net loans and leases to deposits | 64.7489% | 3,731 |
| Net loans and leases to core deposits | 65.4376% | 3,926 |
| Total domestic deposits to total assets | 88.8581% | 835 |
| Equity capital to assets | 10.8436% | 2,521 |
| Core capital (leverage) ratio | 10.5597% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7364% | 814 |
| Memoranda: | ||
| Average total assets | $228,594,250 | 2,712 |
| Average earning assets | $219,340,750 | 2,664 |
| Average equity | $26,546,000 | 2,693 |
| Average total loans | $139,357,500 | 2,765 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 1,402 |
| Cost of funding earning assets | 0.3444% | 4,295 |
| Net interest margin | 4.3563% | 669 |
| Noninterest income to average assets | 0.5763% | 2,227 |
| Noninterest expense to average assets | 2.9150% | 1,789 |
| Loan and lease loss provision to assets | 0.2931% | 1,467 |
| Net operating income to assets | 1.5432% | 855 |
| Return on assets (ROA) | 1.5991% | 831 |
| Pretax return on assets | 1.5991% | 1,225 |
| Return on Equity (ROE) | 13.4369% | 992 |
| Retained earnings to average equity (ytd only) | 4.4865% | 2,713 |
| Net charge-offs to loans | -0.0247% | 4,474 |
| Credit loss provision to net charge-offs | -1,911.7647% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3516% | 3,224 |
| Assets per employee ($millions) | 4.3764% | 3,931 |
| Cash dividends to net income (ytd only)* | 66.6103% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 3,104 |
| Loan loss allowance to noncurrent loans | 76.4533% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.0964% | 1,045 |
| Noncurrent loans to loans | 1.4289% | 1,079 |
| Net loans and leases to total assets | 59.9572% | 3,336 |
| Net loans and leases to deposits | 67.9410% | 3,568 |
| Net loans and leases to core deposits | 68.8763% | 3,798 |
| Total domestic deposits to total assets | 88.2489% | 1,063 |
| Equity capital to assets | 11.4841% | 1,985 |
| Core capital (leverage) ratio | 11.1971% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2390% | 743 |
| Memoranda: | ||
| Average total assets | $221,751,333 | 2,741 |
| Average earning assets | $212,519,333 | 2,695 |
| Average equity | $26,390,000 | 2,688 |
| Average total loans | $137,495,667 | 2,776 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 2,480 |
| Cost of funding earning assets | 0.3762% | 4,442 |
| Net interest margin | 4.0624% | 1,218 |
| Noninterest income to average assets | 0.6099% | 2,002 |
| Noninterest expense to average assets | 2.9972% | 1,893 |
| Loan and lease loss provision to assets | 0.6062% | 455 |
| Net operating income to assets | 0.8934% | 2,548 |
| Return on assets (ROA) | 1.0090% | 2,251 |
| Pretax return on assets | 1.0090% | 2,816 |
| Return on Equity (ROE) | 8.3183% | 2,377 |
| Retained earnings to average equity (ytd only) | -3.7978% | 4,420 |
| Net charge-offs to loans | -0.4309% | 5,012 |
| Credit loss provision to net charge-offs | -224.1379% | 3,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6528% | 2,868 |
| Assets per employee ($millions) | 3.9915% | 3,928 |
| Cash dividends to net income (ytd only)* | 145.6562% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,435 |
| Loan loss allowance to noncurrent loans | 75.5129% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 896 |
| Noncurrent loans to loans | 1.6464% | 933 |
| Net loans and leases to total assets | 62.3936% | 3,255 |
| Net loans and leases to deposits | 71.2556% | 3,501 |
| Net loans and leases to core deposits | 72.3384% | 3,738 |
| Total domestic deposits to total assets | 87.5630% | 1,299 |
| Equity capital to assets | 12.1818% | 1,933 |
| Core capital (leverage) ratio | 11.7411% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7215% | 777 |
| Memoranda: | ||
| Average total assets | $214,463,500 | 2,755 |
| Average earning assets | $205,200,000 | 2,699 |
| Average equity | $26,015,000 | 2,706 |
| Average total loans | $134,613,500 | 2,782 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 3,278 |
| Cost of funding earning assets | 0.3673% | 4,549 |
| Net interest margin | 4.0235% | 1,778 |
| Noninterest income to average assets | 0.7165% | 1,758 |
| Noninterest expense to average assets | 2.9069% | 2,274 |
| Loan and lease loss provision to assets | 0.1881% | 1,094 |
| Net operating income to assets | 1.4842% | 1,093 |
| Return on assets (ROA) | 1.4814% | 1,156 |
| Pretax return on assets | 1.4814% | 1,864 |
| Return on Equity (ROE) | 12.4843% | 1,333 |
| Retained earnings to average equity (ytd only) | 1.7908% | 4,092 |
| Net charge-offs to loans | 0.6615% | 265 |
| Credit loss provision to net charge-offs | 45.9770% | 3,157 |
| Earnings coverage of net charge-offs (x) | 4.0885% | 3,261 |
| Efficiency ratio | 63.4805% | 3,149 |
| Assets per employee ($millions) | 3.9516% | 3,968 |
| Cash dividends to net income (ytd only)* | 85.6553% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 3,882 |
| Loan loss allowance to noncurrent loans | 58.8547% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.2433% | 915 |
| Noncurrent loans to loans | 1.5618% | 909 |
| Net loans and leases to total assets | 61.7788% | 3,421 |
| Net loans and leases to deposits | 70.3935% | 3,638 |
| Net loans and leases to core deposits | 71.2754% | 3,895 |
| Total domestic deposits to total assets | 87.7620% | 1,245 |
| Equity capital to assets | 12.0782% | 2,090 |
| Core capital (leverage) ratio | 11.7100% | 1,954 |
| Tier 1 risk-based capital ratio | 20.3524% | 1,266 |
| Total risk-based capital ratio | 21.3336% | 1,287 |
| Memoranda: | ||
| Average total assets | $212,701,400 | 2,734 |
| Average earning assets | $204,202,200 | 2,665 |
| Average equity | $25,239,600 | 2,700 |
| Average total loans | $131,518,400 | 2,808 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 3,460 |
| Cost of funding earning assets | 0.3635% | 4,620 |
| Net interest margin | 4.0019% | 1,933 |
| Noninterest income to average assets | 0.7083% | 1,746 |
| Noninterest expense to average assets | 2.8613% | 2,371 |
| Loan and lease loss provision to assets | 0.2509% | 647 |
| Net operating income to assets | 1.4360% | 1,371 |
| Return on assets (ROA) | 1.4322% | 1,435 |
| Pretax return on assets | 1.4322% | 2,184 |
| Return on Equity (ROE) | 12.1242% | 1,573 |
| Retained earnings to average equity (ytd only) | 0.1806% | 4,732 |
| Net charge-offs to loans | 0.3386% | 505 |
| Credit loss provision to net charge-offs | 120.1201% | 1,953 |
| Earnings coverage of net charge-offs (x) | 8.0750% | 2,690 |
| Efficiency ratio | 62.9103% | 3,180 |
| Assets per employee ($millions) | 4.2714% | 3,522 |
| Cash dividends to net income (ytd only)* | 98.5108% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 1,926 |
| Loan loss allowance to noncurrent loans | 69.0738% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.4890% | 754 |
| Noncurrent loans to loans | 1.8965% | 743 |
| Net loans and leases to total assets | 62.0842% | 3,489 |
| Net loans and leases to deposits | 70.7086% | 3,713 |
| Net loans and leases to core deposits | 71.5982% | 3,972 |
| Total domestic deposits to total assets | 87.8029% | 1,129 |
| Equity capital to assets | 11.8754% | 2,352 |
| Core capital (leverage) ratio | 11.6830% | 2,093 |
| Tier 1 risk-based capital ratio | 19.7236% | 1,415 |
| Total risk-based capital ratio | 20.9750% | 1,379 |
| Memoranda: | ||
| Average total assets | $212,530,750 | 2,746 |
| Average earning assets | $203,933,000 | 2,689 |
| Average equity | $25,106,250 | 2,723 |
| Average total loans | $131,135,750 | 2,841 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 3,588 |
| Cost of funding earning assets | 0.3603% | 4,651 |
| Net interest margin | 3.9579% | 2,067 |
| Noninterest income to average assets | 0.6768% | 1,805 |
| Noninterest expense to average assets | 2.8174% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6589% | 794 |
| Return on assets (ROA) | 1.6542% | 836 |
| Pretax return on assets | 1.6542% | 1,386 |
| Return on Equity (ROE) | 14.0282% | 975 |
| Retained earnings to average equity (ytd only) | 3.2373% | 3,605 |
| Net charge-offs to loans | 0.5090% | 306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 5.3172% | 2,670 |
| Efficiency ratio | 62.9396% | 3,293 |
| Assets per employee ($millions) | 4.2994% | 3,431 |
| Cash dividends to net income (ytd only)* | 76.9231% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 3,457 |
| Loan loss allowance to noncurrent loans | 284.9372% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 3,061 |
| Noncurrent loans to loans | 0.3606% | 3,245 |
| Net loans and leases to total assets | 62.2802% | 3,510 |
| Net loans and leases to deposits | 71.3319% | 3,736 |
| Net loans and leases to core deposits | 72.0467% | 3,999 |
| Total domestic deposits to total assets | 87.3104% | 1,434 |
| Equity capital to assets | 12.2173% | 2,043 |
| Core capital (leverage) ratio | 12.0378% | 1,802 |
| Tier 1 risk-based capital ratio | 20.5808% | 1,237 |
| Total risk-based capital ratio | 21.6878% | 1,233 |
| Memoranda: | ||
| Average total assets | $212,185,000 | 2,757 |
| Average earning assets | $203,692,330 | 2,698 |
| Average equity | $25,021,000 | 2,720 |
| Average total loans | $130,063,670 | 2,866 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 3,771 |
| Cost of funding earning assets | 0.3446% | 4,701 |
| Net interest margin | 3.8884% | 2,230 |
| Noninterest income to average assets | 0.6537% | 1,808 |
| Noninterest expense to average assets | 2.7895% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5948% | 909 |
| Return on assets (ROA) | 1.5892% | 944 |
| Pretax return on assets | 1.5892% | 1,498 |
| Return on Equity (ROE) | 13.7212% | 1,026 |
| Retained earnings to average equity (ytd only) | -0.8758% | 4,634 |
| Net charge-offs to loans | -0.0062% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6247% | 3,295 |
| Assets per employee ($millions) | 4.3688% | 3,378 |
| Cash dividends to net income (ytd only)* | 106.3830% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 2,007 |
| Loan loss allowance to noncurrent loans | 224.8011% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 1,986 |
| Noncurrent loans to loans | 0.5860% | 2,577 |
| Net loans and leases to total assets | 60.5517% | 3,655 |
| Net loans and leases to deposits | 68.8655% | 3,851 |
| Net loans and leases to core deposits | 69.4448% | 4,106 |
| Total domestic deposits to total assets | 87.9275% | 1,378 |
| Equity capital to assets | 11.8598% | 2,110 |
| Core capital (leverage) ratio | 11.6567% | 2,020 |
| Tier 1 risk-based capital ratio | 20.8392% | 1,188 |
| Total risk-based capital ratio | 22.0905% | 1,162 |
| Memoranda: | ||
| Average total assets | $212,943,000 | 2,781 |
| Average earning assets | $204,301,000 | 2,721 |
| Average equity | $24,662,500 | 2,748 |
| Average total loans | $128,812,000 | 2,917 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 3,348 |
| Cost of funding earning assets | 0.2978% | 4,582 |
| Net interest margin | 3.9343% | 2,211 |
| Noninterest income to average assets | 0.7101% | 1,816 |
| Noninterest expense to average assets | 2.7269% | 2,939 |
| Loan and lease loss provision to assets | 0.0452% | 3,279 |
| Net operating income to assets | 1.7130% | 672 |
| Return on assets (ROA) | 1.7139% | 661 |
| Pretax return on assets | 1.7139% | 1,133 |
| Return on Equity (ROE) | 15.2004% | 779 |
| Retained earnings to average equity (ytd only) | 4.4600% | 3,073 |
| Net charge-offs to loans | -0.1614% | 5,236 |
| Credit loss provision to net charge-offs | -46.5686% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7985% | 3,726 |
| Assets per employee ($millions) | 4.6997% | 2,878 |
| Cash dividends to net income (ytd only)* | 70.6585% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 1,978 |
| Loan loss allowance to noncurrent loans | 148.1190% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 1,757 |
| Noncurrent loans to loans | 0.8864% | 1,819 |
| Net loans and leases to total assets | 58.8655% | 3,884 |
| Net loans and leases to deposits | 66.4711% | 4,083 |
| Net loans and leases to core deposits | 67.0080% | 4,297 |
| Total domestic deposits to total assets | 88.5580% | 1,044 |
| Equity capital to assets | 11.3120% | 2,407 |
| Core capital (leverage) ratio | 11.7048% | 1,948 |
| Tier 1 risk-based capital ratio | 20.2597% | 1,263 |
| Total risk-based capital ratio | 21.5110% | 1,241 |
| Memoranda: | ||
| Average total assets | $209,984,800 | 2,766 |
| Average earning assets | $201,483,600 | 2,706 |
| Average equity | $23,677,000 | 2,760 |
| Average total loans | $126,418,200 | 2,920 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 3,221 |
| Cost of funding earning assets | 0.2888% | 4,592 |
| Net interest margin | 3.9378% | 2,167 |
| Noninterest income to average assets | 0.6685% | 1,983 |
| Noninterest expense to average assets | 2.4762% | 3,664 |
| Loan and lease loss provision to assets | 0.1299% | 1,552 |
| Net operating income to assets | 1.8480% | 552 |
| Return on assets (ROA) | 1.8493% | 547 |
| Pretax return on assets | 1.8493% | 909 |
| Return on Equity (ROE) | 16.4146% | 623 |
| Retained earnings to average equity (ytd only) | 4.3833% | 3,564 |
| Net charge-offs to loans | -0.2894% | 5,354 |
| Credit loss provision to net charge-offs | -74.3590% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5939% | 4,436 |
| Assets per employee ($millions) | 4.6784% | 2,873 |
| Cash dividends to net income (ytd only)* | 73.2964% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,360 |
| Loan loss allowance to noncurrent loans | 96.5428% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 1,232 |
| Noncurrent loans to loans | 1.5494% | 1,037 |
| Net loans and leases to total assets | 58.5228% | 3,982 |
| Net loans and leases to deposits | 66.1875% | 4,185 |
| Net loans and leases to core deposits | 66.7432% | 4,370 |
| Total domestic deposits to total assets | 88.4197% | 1,080 |
| Equity capital to assets | 11.3267% | 2,379 |
| Core capital (leverage) ratio | 11.8219% | 1,902 |
| Tier 1 risk-based capital ratio | 20.5350% | 1,241 |
| Total risk-based capital ratio | 21.7888% | 1,214 |
| Memoranda: | ||
| Average total assets | $208,434,500 | 2,807 |
| Average earning assets | $200,377,000 | 2,734 |
| Average equity | $23,482,500 | 2,789 |
| Average total loans | $125,784,750 | 2,958 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 3,704 |
| Cost of funding earning assets | 0.2810% | 4,554 |
| Net interest margin | 3.7456% | 2,767 |
| Noninterest income to average assets | 0.6672% | 2,017 |
| Noninterest expense to average assets | 2.4858% | 3,666 |
| Loan and lease loss provision to assets | 0.4477% | 259 |
| Net operating income to assets | 1.3527% | 1,595 |
| Return on assets (ROA) | 1.3546% | 1,595 |
| Pretax return on assets | 1.3546% | 2,308 |
| Return on Equity (ROE) | 12.0455% | 1,707 |
| Retained earnings to average equity (ytd only) | 1.1643% | 4,718 |
| Net charge-offs to loans | 0.3904% | 404 |
| Credit loss provision to net charge-offs | 189.0244% | 1,352 |
| Earnings coverage of net charge-offs (x) | 7.6016% | 2,536 |
| Efficiency ratio | 57.9964% | 4,236 |
| Assets per employee ($millions) | 4.6024% | 2,965 |
| Cash dividends to net income (ytd only)* | 90.3340% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,438 |
| Loan loss allowance to noncurrent loans | 47.4971% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.9946% | 541 |
| Noncurrent loans to loans | 2.6304% | 472 |
| Net loans and leases to total assets | 61.5589% | 3,654 |
| Net loans and leases to deposits | 70.0463% | 3,852 |
| Net loans and leases to core deposits | 70.8442% | 4,093 |
| Total domestic deposits to total assets | 87.8832% | 1,439 |
| Equity capital to assets | 11.2641% | 2,393 |
| Core capital (leverage) ratio | 11.5615% | 2,025 |
| Tier 1 risk-based capital ratio | 19.7997% | 1,363 |
| Total risk-based capital ratio | 21.0505% | 1,329 |
| Memoranda: | ||
| Average total assets | $207,736,000 | 2,833 |
| Average earning assets | $200,716,670 | 2,748 |
| Average equity | $23,361,330 | 2,812 |
| Average total loans | $126,020,000 | 2,967 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 3,622 |
| Cost of funding earning assets | 0.2668% | 4,604 |
| Net interest margin | 3.7295% | 2,696 |
| Noninterest income to average assets | 0.7114% | 1,782 |
| Noninterest expense to average assets | 2.4859% | 3,693 |
| Loan and lease loss provision to assets | 0.4807% | 220 |
| Net operating income to assets | 1.3458% | 1,492 |
| Return on assets (ROA) | 1.3574% | 1,470 |
| Pretax return on assets | 1.3574% | 2,163 |
| Return on Equity (ROE) | 12.0800% | 1,554 |
| Retained earnings to average equity (ytd only) | -2.4297% | 5,046 |
| Net charge-offs to loans | 0.8612% | 166 |
| Credit loss provision to net charge-offs | 93.2836% | 1,649 |
| Earnings coverage of net charge-offs (x) | 3.5448% | 2,376 |
| Efficiency ratio | 57.6460% | 4,392 |
| Assets per employee ($millions) | 4.6085% | 2,990 |
| Cash dividends to net income (ytd only)* | 120.1133% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,294 |
| Loan loss allowance to noncurrent loans | 56.5557% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 902 |
| Noncurrent loans to loans | 1.9704% | 823 |
| Net loans and leases to total assets | 58.8788% | 3,862 |
| Net loans and leases to deposits | 66.4154% | 4,060 |
| Net loans and leases to core deposits | 67.1632% | 4,251 |
| Total domestic deposits to total assets | 88.6523% | 1,283 |
| Equity capital to assets | 11.1461% | 2,437 |
| Core capital (leverage) ratio | 11.3775% | 2,102 |
| Tier 1 risk-based capital ratio | 20.7072% | 1,244 |
| Total risk-based capital ratio | 21.9085% | 1,230 |
| Memoranda: | ||
| Average total assets | $208,049,500 | 2,864 |
| Average earning assets | $200,883,500 | 2,778 |
| Average equity | $23,377,500 | 2,827 |
| Average total loans | $124,476,500 | 3,007 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9957% | 3,415 |
| Cost of funding earning assets | 0.2497% | 4,570 |
| Net interest margin | 3.7460% | 2,621 |
| Noninterest income to average assets | 0.6087% | 2,409 |
| Noninterest expense to average assets | 2.4489% | 3,941 |
| Loan and lease loss provision to assets | 0.1271% | 1,799 |
| Net operating income to assets | 1.6559% | 578 |
| Return on assets (ROA) | 1.6573% | 592 |
| Pretax return on assets | 1.6573% | 1,127 |
| Return on Equity (ROE) | 14.5259% | 686 |
| Retained earnings to average equity (ytd only) | 4.1092% | 2,701 |
| Net charge-offs to loans | 0.2254% | 1,151 |
| Credit loss provision to net charge-offs | 92.8571% | 2,729 |
| Earnings coverage of net charge-offs (x) | 13.0250% | 2,428 |
| Efficiency ratio | 57.8674% | 4,543 |
| Assets per employee ($millions) | 4.7436% | 2,807 |
| Cash dividends to net income (ytd only)* | 71.7109% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,288 |
| Loan loss allowance to noncurrent loans | 52.3863% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4201% | 989 |
| Noncurrent loans to loans | 2.1208% | 704 |
| Net loans and leases to total assets | 59.4484% | 3,886 |
| Net loans and leases to deposits | 67.1638% | 4,091 |
| Net loans and leases to core deposits | 67.9152% | 4,305 |
| Total domestic deposits to total assets | 88.5127% | 1,248 |
| Equity capital to assets | 11.3263% | 2,345 |
| Core capital (leverage) ratio | 11.3452% | 2,065 |
| Tier 1 risk-based capital ratio | 20.3024% | 1,263 |
| Total risk-based capital ratio | 21.4886% | 1,240 |
| Memoranda: | ||
| Average total assets | $204,544,400 | 2,878 |
| Average earning assets | $197,839,200 | 2,791 |
| Average equity | $23,337,600 | 2,818 |
| Average total loans | $124,239,000 | 2,997 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 3,389 |
| Cost of funding earning assets | 0.2512% | 4,553 |
| Net interest margin | 3.7401% | 2,615 |
| Noninterest income to average assets | 0.6218% | 2,351 |
| Noninterest expense to average assets | 2.4301% | 3,934 |
| Loan and lease loss provision to assets | 0.1147% | 1,882 |
| Net operating income to assets | 1.6963% | 583 |
| Return on assets (ROA) | 1.6982% | 595 |
| Pretax return on assets | 1.6982% | 1,131 |
| Return on Equity (ROE) | 14.8565% | 668 |
| Retained earnings to average equity (ytd only) | 3.2441% | 3,993 |
| Net charge-offs to loans | 0.2302% | 940 |
| Credit loss provision to net charge-offs | 81.7757% | 2,557 |
| Earnings coverage of net charge-offs (x) | 12.9157% | 2,390 |
| Efficiency ratio | 57.2996% | 4,584 |
| Assets per employee ($millions) | 4.5107% | 3,115 |
| Cash dividends to net income (ytd only)* | 78.1638% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 3,518 |
| Loan loss allowance to noncurrent loans | 57.0066% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3417% | 1,188 |
| Noncurrent loans to loans | 1.9190% | 901 |
| Net loans and leases to total assets | 59.9144% | 3,875 |
| Net loans and leases to deposits | 67.8408% | 4,124 |
| Net loans and leases to core deposits | 68.6125% | 4,327 |
| Total domestic deposits to total assets | 88.3161% | 1,208 |
| Equity capital to assets | 11.3875% | 2,478 |
| Core capital (leverage) ratio | 11.3072% | 2,181 |
| Tier 1 risk-based capital ratio | 20.0186% | 1,358 |
| Total risk-based capital ratio | 21.1915% | 1,334 |
| Memoranda: | ||
| Average total assets | $203,501,250 | 2,912 |
| Average earning assets | $196,922,750 | 2,824 |
| Average equity | $23,262,000 | 2,856 |
| Average total loans | $123,930,500 | 3,030 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9625% | 3,342 |
| Cost of funding earning assets | 0.2535% | 4,512 |
| Net interest margin | 3.7089% | 2,625 |
| Noninterest income to average assets | 0.5916% | 2,501 |
| Noninterest expense to average assets | 2.4534% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7272% | 531 |
| Return on assets (ROA) | 1.7302% | 534 |
| Pretax return on assets | 1.7302% | 989 |
| Return on Equity (ROE) | 15.1167% | 641 |
| Retained earnings to average equity (ytd only) | 4.6154% | 2,964 |
| Net charge-offs to loans | -0.0665% | 5,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6843% | 4,509 |
| Assets per employee ($millions) | 4.4027% | 3,267 |
| Cash dividends to net income (ytd only)* | 69.4683% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 3,140 |
| Loan loss allowance to noncurrent loans | 54.1093% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.5549% | 963 |
| Noncurrent loans to loans | 2.1802% | 746 |
| Net loans and leases to total assets | 60.1833% | 3,829 |
| Net loans and leases to deposits | 68.3714% | 4,033 |
| Net loans and leases to core deposits | 68.9773% | 4,301 |
| Total domestic deposits to total assets | 88.0241% | 1,446 |
| Equity capital to assets | 11.6574% | 2,183 |
| Core capital (leverage) ratio | 11.5895% | 1,906 |
| Tier 1 risk-based capital ratio | 20.2846% | 1,307 |
| Total risk-based capital ratio | 21.5345% | 1,283 |
| Memoranda: | ||
| Average total assets | $202,171,330 | 2,941 |
| Average earning assets | $195,636,330 | 2,851 |
| Average equity | $23,140,000 | 2,869 |
| Average total loans | $123,343,330 | 3,046 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 3,243 |
| Cost of funding earning assets | 0.2558% | 4,489 |
| Net interest margin | 3.6840% | 2,545 |
| Noninterest income to average assets | 0.5763% | 2,532 |
| Noninterest expense to average assets | 2.4654% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6753% | 581 |
| Return on assets (ROA) | 1.6773% | 592 |
| Pretax return on assets | 1.6773% | 1,055 |
| Return on Equity (ROE) | 14.7912% | 677 |
| Retained earnings to average equity (ytd only) | 0.6461% | 4,760 |
| Net charge-offs to loans | -0.0616% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5409% | 4,525 |
| Assets per employee ($millions) | 4.4077% | 3,316 |
| Cash dividends to net income (ytd only)* | 95.6316% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 3,349 |
| Loan loss allowance to noncurrent loans | 50.8697% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.6375% | 946 |
| Noncurrent loans to loans | 2.2855% | 726 |
| Net loans and leases to total assets | 60.0835% | 3,779 |
| Net loans and leases to deposits | 67.9085% | 4,000 |
| Net loans and leases to core deposits | 68.5057% | 4,258 |
| Total domestic deposits to total assets | 88.4771% | 1,438 |
| Equity capital to assets | 11.3379% | 2,316 |
| Core capital (leverage) ratio | 11.5180% | 1,933 |
| Tier 1 risk-based capital ratio | 19.7505% | 1,437 |
| Total risk-based capital ratio | 20.9844% | 1,415 |
| Memoranda: | ||
| Average total assets | $201,995,500 | 2,973 |
| Average earning assets | $195,439,000 | 2,873 |
| Average equity | $22,905,500 | 2,903 |
| Average total loans | $123,345,000 | 3,067 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,090 |
| Cost of funding earning assets | 0.2647% | 4,414 |
| Net interest margin | 3.7663% | 2,446 |
| Noninterest income to average assets | 0.6632% | 2,351 |
| Noninterest expense to average assets | 2.5071% | 3,989 |
| Loan and lease loss provision to assets | 0.1675% | 1,463 |
| Net operating income to assets | 1.6331% | 632 |
| Return on assets (ROA) | 1.6702% | 611 |
| Pretax return on assets | 1.6702% | 1,083 |
| Return on Equity (ROE) | 14.2097% | 742 |
| Retained earnings to average equity (ytd only) | 3.5294% | 3,423 |
| Net charge-offs to loans | 0.3131% | 873 |
| Credit loss provision to net charge-offs | 86.8984% | 2,857 |
| Earnings coverage of net charge-offs (x) | 9.3422% | 2,760 |
| Efficiency ratio | 58.2007% | 4,823 |
| Assets per employee ($millions) | 4.3747% | 3,323 |
| Cash dividends to net income (ytd only)* | 75.1620% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,455 |
| Loan loss allowance to noncurrent loans | 41.6250% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.8128% | 807 |
| Noncurrent loans to loans | 2.7520% | 536 |
| Net loans and leases to total assets | 60.6357% | 3,784 |
| Net loans and leases to deposits | 68.4863% | 4,052 |
| Net loans and leases to core deposits | 69.0924% | 4,318 |
| Total domestic deposits to total assets | 88.5370% | 1,362 |
| Equity capital to assets | 11.3413% | 2,296 |
| Core capital (leverage) ratio | 11.5446% | 1,899 |
| Tier 1 risk-based capital ratio | 19.7823% | 1,423 |
| Total risk-based capital ratio | 21.0038% | 1,395 |
| Memoranda: | ||
| Average total assets | $194,049,200 | 3,024 |
| Average earning assets | $187,770,800 | 2,921 |
| Average equity | $22,808,400 | 2,908 |
| Average total loans | $119,434,400 | 3,077 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 2,936 |
| Cost of funding earning assets | 0.2682% | 4,409 |
| Net interest margin | 3.8158% | 2,278 |
| Noninterest income to average assets | 0.6561% | 2,384 |
| Noninterest expense to average assets | 2.4377% | 4,170 |
| Loan and lease loss provision to assets | 0.2254% | 900 |
| Net operating income to assets | 1.6832% | 613 |
| Return on assets (ROA) | 1.7331% | 592 |
| Pretax return on assets | 1.7331% | 1,029 |
| Return on Equity (ROE) | 14.6106% | 716 |
| Retained earnings to average equity (ytd only) | 2.7421% | 4,251 |
| Net charge-offs to loans | 0.1689% | 1,358 |
| Credit loss provision to net charge-offs | 216.6667% | 1,355 |
| Earnings coverage of net charge-offs (x) | 18.3462% | 1,999 |
| Efficiency ratio | 56.0874% | 5,059 |
| Assets per employee ($millions) | 4.2489% | 3,510 |
| Cash dividends to net income (ytd only)* | 81.2324% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,302 |
| Loan loss allowance to noncurrent loans | 41.8926% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 2.1289% | 708 |
| Noncurrent loans to loans | 3.2888% | 421 |
| Net loans and leases to total assets | 59.9903% | 3,879 |
| Net loans and leases to deposits | 68.2974% | 4,123 |
| Net loans and leases to core deposits | 68.9314% | 4,401 |
| Total domestic deposits to total assets | 87.8368% | 1,482 |
| Equity capital to assets | 11.8327% | 2,231 |
| Core capital (leverage) ratio | 11.5760% | 1,971 |
| Tier 1 risk-based capital ratio | 20.2657% | 1,394 |
| Total risk-based capital ratio | 21.5176% | 1,363 |
| Memoranda: | ||
| Average total assets | $192,252,000 | 3,049 |
| Average earning assets | $185,924,250 | 2,957 |
| Average equity | $22,804,750 | 2,935 |
| Average total loans | $118,434,000 | 3,098 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 2,838 |
| Cost of funding earning assets | 0.2674% | 4,475 |
| Net interest margin | 3.8366% | 2,190 |
| Noninterest income to average assets | 0.6570% | 2,342 |
| Noninterest expense to average assets | 2.4259% | 4,250 |
| Loan and lease loss provision to assets | 0.1569% | 1,449 |
| Net operating income to assets | 1.7815% | 488 |
| Return on assets (ROA) | 1.8495% | 465 |
| Pretax return on assets | 1.8495% | 790 |
| Return on Equity (ROE) | 15.5789% | 597 |
| Retained earnings to average equity (ytd only) | 4.8464% | 2,827 |
| Net charge-offs to loans | 0.2655% | 907 |
| Credit loss provision to net charge-offs | 95.5414% | 2,175 |
| Earnings coverage of net charge-offs (x) | 11.8025% | 2,230 |
| Efficiency ratio | 55.5849% | 5,189 |
| Assets per employee ($millions) | 4.1024% | 3,735 |
| Cash dividends to net income (ytd only)* | 68.8914% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 3,244 |
| Loan loss allowance to noncurrent loans | 41.8511% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.9766% | 833 |
| Noncurrent loans to loans | 2.9177% | 520 |
| Net loans and leases to total assets | 62.4134% | 3,571 |
| Net loans and leases to deposits | 71.4084% | 3,842 |
| Net loans and leases to core deposits | 72.0982% | 4,168 |
| Total domestic deposits to total assets | 87.4035% | 1,712 |
| Equity capital to assets | 12.3432% | 1,874 |
| Core capital (leverage) ratio | 11.9513% | 1,659 |
| Tier 1 risk-based capital ratio | 20.5882% | 1,329 |
| Total risk-based capital ratio | 21.8383% | 1,312 |
| Memoranda: | ||
| Average total assets | $191,186,000 | 3,075 |
| Average earning assets | $184,747,000 | 2,989 |
| Average equity | $22,697,330 | 2,954 |
| Average total loans | $118,282,330 | 3,108 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 3,095 |
| Cost of funding earning assets | 0.2644% | 4,554 |
| Net interest margin | 3.7704% | 2,402 |
| Noninterest income to average assets | 0.5384% | 2,878 |
| Noninterest expense to average assets | 2.4051% | 4,350 |
| Loan and lease loss provision to assets | 0.1039% | 1,975 |
| Net operating income to assets | 1.6755% | 608 |
| Return on assets (ROA) | 1.7919% | 511 |
| Pretax return on assets | 1.7919% | 865 |
| Return on Equity (ROE) | 15.3932% | 613 |
| Retained earnings to average equity (ytd only) | 0.8929% | 4,874 |
| Net charge-offs to loans | 0.0441% | 2,126 |
| Credit loss provision to net charge-offs | 384.6154% | 729 |
| Earnings coverage of net charge-offs (x) | 65.8462% | 729 |
| Efficiency ratio | 57.4764% | 5,059 |
| Assets per employee ($millions) | 4.2478% | 3,499 |
| Cash dividends to net income (ytd only)* | 94.1995% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 3,039 |
| Loan loss allowance to noncurrent loans | 178.3591% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 3,270 |
| Noncurrent loans to loans | 0.7137% | 3,049 |
| Net loans and leases to total assets | 60.8636% | 3,669 |
| Net loans and leases to deposits | 69.1569% | 3,938 |
| Net loans and leases to core deposits | 69.8109% | 4,253 |
| Total domestic deposits to total assets | 88.0080% | 1,635 |
| Equity capital to assets | 11.8011% | 2,153 |
| Core capital (leverage) ratio | 11.4525% | 2,009 |
| Tier 1 risk-based capital ratio | 20.1696% | 1,467 |
| Total risk-based capital ratio | 21.4210% | 1,442 |
| Memoranda: | ||
| Average total assets | $192,423,500 | 3,073 |
| Average earning assets | $186,081,500 | 2,985 |
| Average equity | $22,399,500 | 2,979 |
| Average total loans | $117,805,000 | 3,120 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 3,152 |
| Cost of funding earning assets | 0.2759% | 4,522 |
| Net interest margin | 3.7659% | 2,498 |
| Noninterest income to average assets | 0.6200% | 2,616 |
| Noninterest expense to average assets | 2.5031% | 4,216 |
| Loan and lease loss provision to assets | 0.0397% | 3,541 |
| Net operating income to assets | 1.7152% | 560 |
| Return on assets (ROA) | 1.7210% | 577 |
| Pretax return on assets | 1.7210% | 951 |
| Return on Equity (ROE) | 14.8021% | 720 |
| Retained earnings to average equity (ytd only) | 3.1810% | 3,788 |
| Net charge-offs to loans | 0.0415% | 3,387 |
| Credit loss provision to net charge-offs | 159.5745% | 1,685 |
| Earnings coverage of net charge-offs (x) | 70.4681% | 769 |
| Efficiency ratio | 58.7855% | 5,053 |
| Assets per employee ($millions) | 4.4022% | 3,213 |
| Cash dividends to net income (ytd only)* | 78.5099% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 3,227 |
| Loan loss allowance to noncurrent loans | 171.5123% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 3,457 |
| Noncurrent loans to loans | 0.7243% | 3,012 |
| Net loans and leases to total assets | 60.0454% | 3,831 |
| Net loans and leases to deposits | 67.9737% | 4,132 |
| Net loans and leases to core deposits | 68.5001% | 4,410 |
| Total domestic deposits to total assets | 88.3363% | 1,457 |
| Equity capital to assets | 11.4825% | 2,375 |
| Core capital (leverage) ratio | 11.3808% | 2,058 |
| Tier 1 risk-based capital ratio | 20.2478% | 1,436 |
| Total risk-based capital ratio | 21.4986% | 1,411 |
| Memoranda: | ||
| Average total assets | $188,722,400 | 3,067 |
| Average earning assets | $182,319,800 | 2,973 |
| Average equity | $21,942,800 | 2,981 |
| Average total loans | $113,189,200 | 3,149 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,222 |
| Cost of funding earning assets | 0.2777% | 4,589 |
| Net interest margin | 3.7505% | 2,561 |
| Noninterest income to average assets | 0.6031% | 2,725 |
| Noninterest expense to average assets | 2.4614% | 4,310 |
| Loan and lease loss provision to assets | 0.0356% | 3,510 |
| Net operating income to assets | 1.7274% | 591 |
| Return on assets (ROA) | 1.7353% | 608 |
| Pretax return on assets | 1.7353% | 1,018 |
| Return on Equity (ROE) | 14.8766% | 740 |
| Retained earnings to average equity (ytd only) | 1.9205% | 4,924 |
| Net charge-offs to loans | 0.0262% | 3,420 |
| Credit loss provision to net charge-offs | 227.2727% | 1,216 |
| Earnings coverage of net charge-offs (x) | 112.6918% | 566 |
| Efficiency ratio | 58.2660% | 5,088 |
| Assets per employee ($millions) | 4.3904% | 3,178 |
| Cash dividends to net income (ytd only)* | 87.0901% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 3,309 |
| Loan loss allowance to noncurrent loans | 158.8491% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 3,492 |
| Noncurrent loans to loans | 0.7930% | 2,979 |
| Net loans and leases to total assets | 59.3652% | 3,955 |
| Net loans and leases to deposits | 67.8704% | 4,202 |
| Net loans and leases to core deposits | 68.5156% | 4,499 |
| Total domestic deposits to total assets | 87.4685% | 1,814 |
| Equity capital to assets | 11.4682% | 2,531 |
| Core capital (leverage) ratio | 11.4209% | 2,105 |
| Tier 1 risk-based capital ratio | 20.2904% | 1,481 |
| Total risk-based capital ratio | 21.5417% | 1,449 |
| Memoranda: | ||
| Average total assets | $187,479,250 | 3,110 |
| Average earning assets | $181,020,000 | 3,011 |
| Average equity | $21,868,250 | 3,005 |
| Average total loans | $112,044,500 | 3,197 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 3,242 |
| Cost of funding earning assets | 0.2803% | 4,610 |
| Net interest margin | 3.7305% | 2,577 |
| Noninterest income to average assets | 0.6067% | 2,693 |
| Noninterest expense to average assets | 2.4561% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7513% | 570 |
| Return on assets (ROA) | 1.7620% | 578 |
| Pretax return on assets | 1.7620% | 952 |
| Return on Equity (ROE) | 15.0186% | 727 |
| Retained earnings to average equity (ytd only) | 3.3068% | 3,939 |
| Net charge-offs to loans | -0.0054% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3760% | 5,176 |
| Assets per employee ($millions) | 4.1700% | 3,527 |
| Cash dividends to net income (ytd only)* | 77.9817% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 3,459 |
| Loan loss allowance to noncurrent loans | 146.7347% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 3,354 |
| Noncurrent loans to loans | 0.8586% | 2,983 |
| Net loans and leases to total assets | 61.4227% | 3,636 |
| Net loans and leases to deposits | 70.0995% | 3,924 |
| Net loans and leases to core deposits | 70.7993% | 4,246 |
| Total domestic deposits to total assets | 87.6222% | 1,831 |
| Equity capital to assets | 12.0067% | 2,025 |
| Core capital (leverage) ratio | 11.7161% | 1,828 |
| Tier 1 risk-based capital ratio | 20.6611% | 1,426 |
| Total risk-based capital ratio | 21.9117% | 1,399 |
| Memoranda: | ||
| Average total assets | $185,580,000 | 3,156 |
| Average earning assets | $179,116,330 | 3,053 |
| Average equity | $21,773,000 | 3,024 |
| Average total loans | $110,678,330 | 3,237 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 3,637 |
| Cost of funding earning assets | 0.2797% | 4,672 |
| Net interest margin | 3.6163% | 2,940 |
| Noninterest income to average assets | 0.5744% | 2,808 |
| Noninterest expense to average assets | 2.4519% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6139% | 700 |
| Return on assets (ROA) | 1.6225% | 721 |
| Pretax return on assets | 1.6225% | 1,212 |
| Return on Equity (ROE) | 13.9897% | 881 |
| Retained earnings to average equity (ytd only) | -1.7187% | 5,653 |
| Net charge-offs to loans | -0.0073% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3057% | 5,053 |
| Assets per employee ($millions) | 4.2319% | 3,503 |
| Cash dividends to net income (ytd only)* | 112.2853% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 3,288 |
| Loan loss allowance to noncurrent loans | 147.6876% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 3,594 |
| Noncurrent loans to loans | 0.8962% | 2,995 |
| Net loans and leases to total assets | 57.5377% | 4,022 |
| Net loans and leases to deposits | 65.3793% | 4,220 |
| Net loans and leases to core deposits | 66.0186% | 4,516 |
| Total domestic deposits to total assets | 88.0061% | 1,817 |
| Equity capital to assets | 11.6765% | 2,317 |
| Core capital (leverage) ratio | 11.4802% | 2,012 |
| Tier 1 risk-based capital ratio | 21.0092% | 1,423 |
| Total risk-based capital ratio | 22.2606% | 1,399 |
| Memoranda: | ||
| Average total assets | $186,629,500 | 3,158 |
| Average earning assets | $180,182,500 | 3,068 |
| Average equity | $21,644,500 | 3,053 |
| Average total loans | $108,949,000 | 3,280 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 3,340 |
| Cost of funding earning assets | 0.3086% | 4,702 |
| Net interest margin | 3.7886% | 2,667 |
| Noninterest income to average assets | 0.5999% | 2,859 |
| Noninterest expense to average assets | 2.4789% | 4,614 |
| Loan and lease loss provision to assets | -0.1102% | 6,163 |
| Net operating income to assets | 1.8697% | 412 |
| Return on assets (ROA) | 1.8752% | 426 |
| Pretax return on assets | 1.8752% | 677 |
| Return on Equity (ROE) | 16.3193% | 579 |
| Retained earnings to average equity (ytd only) | 3.6627% | 3,617 |
| Net charge-offs to loans | 0.1721% | 2,307 |
| Credit loss provision to net charge-offs | -110.4972% | 5,538 |
| Earnings coverage of net charge-offs (x) | 17.6464% | 1,911 |
| Efficiency ratio | 58.4871% | 5,408 |
| Assets per employee ($millions) | 4.3501% | 3,273 |
| Cash dividends to net income (ytd only)* | 77.5558% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 3,349 |
| Loan loss allowance to noncurrent loans | 172.0624% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 3,859 |
| Noncurrent loans to loans | 0.7629% | 3,414 |
| Net loans and leases to total assets | 57.6774% | 4,091 |
| Net loans and leases to deposits | 65.2765% | 4,401 |
| Net loans and leases to core deposits | 65.9085% | 4,676 |
| Total domestic deposits to total assets | 88.3586% | 1,591 |
| Equity capital to assets | 11.5190% | 2,417 |
| Core capital (leverage) ratio | 11.4637% | 1,998 |
| Tier 1 risk-based capital ratio | 21.2227% | 1,355 |
| Total risk-based capital ratio | 22.4744% | 1,330 |
| Memoranda: | ||
| Average total assets | $181,530,400 | 3,190 |
| Average earning assets | $174,339,000 | 3,108 |
| Average equity | $20,858,800 | 3,067 |
| Average total loans | $105,195,400 | 3,320 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 3,390 |
| Cost of funding earning assets | 0.3147% | 4,734 |
| Net interest margin | 3.7821% | 2,682 |
| Noninterest income to average assets | 0.5936% | 2,912 |
| Noninterest expense to average assets | 2.5282% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6941% | 625 |
| Return on assets (ROA) | 1.7000% | 642 |
| Pretax return on assets | 1.7000% | 1,070 |
| Return on Equity (ROE) | 14.8046% | 859 |
| Retained earnings to average equity (ytd only) | 0.6252% | 5,619 |
| Net charge-offs to loans | 0.2278% | 1,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 12.8594% | 2,280 |
| Efficiency ratio | 59.8773% | 5,196 |
| Assets per employee ($millions) | 4.2898% | 3,312 |
| Cash dividends to net income (ytd only)* | 95.7771% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 2,687 |
| Loan loss allowance to noncurrent loans | 180.7947% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 3,954 |
| Noncurrent loans to loans | 0.8321% | 3,494 |
| Net loans and leases to total assets | 58.1356% | 4,053 |
| Net loans and leases to deposits | 65.7160% | 4,360 |
| Net loans and leases to core deposits | 66.3675% | 4,670 |
| Total domestic deposits to total assets | 88.4648% | 1,522 |
| Equity capital to assets | 11.2511% | 2,702 |
| Core capital (leverage) ratio | 11.3383% | 2,187 |
| Tier 1 risk-based capital ratio | 20.8017% | 1,492 |
| Total risk-based capital ratio | 22.0570% | 1,462 |
| Memoranda: | ||
| Average total assets | $180,149,000 | 3,234 |
| Average earning assets | $172,843,500 | 3,154 |
| Average equity | $20,686,750 | 3,099 |
| Average total loans | $104,163,250 | 3,368 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0764% | 3,439 |
| Cost of funding earning assets | 0.3255% | 4,695 |
| Net interest margin | 3.7509% | 2,754 |
| Noninterest income to average assets | 0.5819% | 2,916 |
| Noninterest expense to average assets | 2.5393% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6406% | 650 |
| Return on assets (ROA) | 1.6440% | 678 |
| Pretax return on assets | 1.6440% | 1,153 |
| Return on Equity (ROE) | 14.2177% | 915 |
| Retained earnings to average equity (ytd only) | 1.4421% | 5,165 |
| Net charge-offs to loans | 0.3743% | 1,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.6354% | 2,604 |
| Efficiency ratio | 60.7497% | 5,185 |
| Assets per employee ($millions) | 4.1914% | 3,471 |
| Cash dividends to net income (ytd only)* | 89.8570% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 2,797 |
| Loan loss allowance to noncurrent loans | 253.3541% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 4,492 |
| Noncurrent loans to loans | 0.6005% | 4,226 |
| Net loans and leases to total assets | 59.7153% | 3,771 |
| Net loans and leases to deposits | 68.0056% | 4,050 |
| Net loans and leases to core deposits | 68.8303% | 4,387 |
| Total domestic deposits to total assets | 87.8094% | 2,031 |
| Equity capital to assets | 11.9077% | 2,056 |
| Core capital (leverage) ratio | 11.7034% | 1,847 |
| Tier 1 risk-based capital ratio | 21.3107% | 1,380 |
| Total risk-based capital ratio | 22.5657% | 1,356 |
| Memoranda: | ||
| Average total assets | $178,711,330 | 3,265 |
| Average earning assets | $171,425,330 | 3,183 |
| Average equity | $20,664,330 | 3,100 |
| Average total loans | $102,592,330 | 3,403 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9168% | 4,017 |
| Cost of funding earning assets | 0.3266% | 4,775 |
| Net interest margin | 3.5902% | 3,291 |
| Noninterest income to average assets | 0.5065% | 3,358 |
| Noninterest expense to average assets | 2.5193% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4307% | 933 |
| Return on assets (ROA) | 1.4307% | 971 |
| Pretax return on assets | 1.4307% | 1,639 |
| Return on Equity (ROE) | 12.5564% | 1,274 |
| Retained earnings to average equity (ytd only) | -4.6014% | 6,095 |
| Net charge-offs to loans | 0.4457% | 811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,336 |
| Efficiency ratio | 63.7795% | 4,892 |
| Assets per employee ($millions) | 4.2475% | 3,446 |
| Cash dividends to net income (ytd only)* | 136.6460% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 2,379 |
| Loan loss allowance to noncurrent loans | 141.5282% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 3,512 |
| Noncurrent loans to loans | 1.1957% | 3,047 |
| Net loans and leases to total assets | 55.4876% | 4,209 |
| Net loans and leases to deposits | 62.8986% | 4,443 |
| Net loans and leases to core deposits | 63.6484% | 4,720 |
| Total domestic deposits to total assets | 88.2176% | 2,097 |
| Equity capital to assets | 11.4534% | 2,291 |
| Core capital (leverage) ratio | 11.3572% | 2,087 |
| Tier 1 risk-based capital ratio | 22.0309% | 1,291 |
| Total risk-based capital ratio | 23.2881% | 1,264 |
| Memoranda: | ||
| Average total assets | $180,048,500 | 3,277 |
| Average earning assets | $172,690,500 | 3,184 |
| Average equity | $20,515,500 | 3,116 |
| Average total loans | $100,516,000 | 3,458 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,586 |
| Cost of funding earning assets | 0.3850% | 4,803 |
| Net interest margin | 3.7523% | 2,836 |
| Noninterest income to average assets | 0.6125% | 3,014 |
| Noninterest expense to average assets | 2.7372% | 3,964 |
| Loan and lease loss provision to assets | -0.0568% | 6,402 |
| Net operating income to assets | 1.5060% | 816 |
| Return on assets (ROA) | 1.5060% | 854 |
| Pretax return on assets | 1.5060% | 1,430 |
| Return on Equity (ROE) | 13.0016% | 1,168 |
| Retained earnings to average equity (ytd only) | 4.1068% | 3,257 |
| Net charge-offs to loans | 0.3616% | 1,871 |
| Credit loss provision to net charge-offs | -27.8552% | 5,739 |
| Earnings coverage of net charge-offs (x) | 7.1114% | 2,910 |
| Efficiency ratio | 65.3831% | 4,676 |
| Assets per employee ($millions) | 4.3263% | 3,223 |
| Cash dividends to net income (ytd only)* | 68.4131% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 2,035 |
| Loan loss allowance to noncurrent loans | 126.8156% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 2,960 |
| Noncurrent loans to loans | 1.4271% | 2,749 |
| Net loans and leases to total assets | 54.2234% | 4,557 |
| Net loans and leases to deposits | 61.2179% | 4,806 |
| Net loans and leases to core deposits | 61.9322% | 5,067 |
| Total domestic deposits to total assets | 88.5743% | 1,872 |
| Equity capital to assets | 11.3366% | 2,308 |
| Core capital (leverage) ratio | 11.5741% | 1,907 |
| Tier 1 risk-based capital ratio | 22.3181% | 1,202 |
| Total risk-based capital ratio | 23.5771% | 1,177 |
| Memoranda: | ||
| Average total assets | $176,164,200 | 3,319 |
| Average earning assets | $167,789,200 | 3,245 |
| Average equity | $20,405,200 | 3,110 |
| Average total loans | $99,293,000 | 3,462 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 3,499 |
| Cost of funding earning assets | 0.3987% | 4,825 |
| Net interest margin | 3.7690% | 2,762 |
| Noninterest income to average assets | 0.6095% | 3,085 |
| Noninterest expense to average assets | 2.6128% | 4,348 |
| Loan and lease loss provision to assets | -0.2289% | 6,740 |
| Net operating income to assets | 1.8095% | 514 |
| Return on assets (ROA) | 1.8095% | 535 |
| Pretax return on assets | 1.8095% | 883 |
| Return on Equity (ROE) | 15.5358% | 706 |
| Retained earnings to average equity (ytd only) | 5.7113% | 2,588 |
| Net charge-offs to loans | 0.2275% | 2,444 |
| Credit loss provision to net charge-offs | -177.5148% | 5,878 |
| Earnings coverage of net charge-offs (x) | 12.2602% | 2,154 |
| Efficiency ratio | 62.3067% | 5,096 |
| Assets per employee ($millions) | 4.0441% | 3,744 |
| Cash dividends to net income (ytd only)* | 63.2377% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8213% | 2,235 |
| Loan loss allowance to noncurrent loans | 119.9203% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 2,964 |
| Noncurrent loans to loans | 1.5187% | 2,891 |
| Net loans and leases to total assets | 54.7120% | 4,499 |
| Net loans and leases to deposits | 62.3299% | 4,710 |
| Net loans and leases to core deposits | 63.0881% | 4,999 |
| Total domestic deposits to total assets | 87.7780% | 2,261 |
| Equity capital to assets | 11.6393% | 2,177 |
| Core capital (leverage) ratio | 11.5799% | 1,977 |
| Tier 1 risk-based capital ratio | 22.9801% | 1,152 |
| Total risk-based capital ratio | 24.2398% | 1,131 |
| Memoranda: | ||
| Average total assets | $174,779,250 | 3,366 |
| Average earning assets | $166,192,250 | 3,299 |
| Average equity | $20,356,750 | 3,149 |
| Average total loans | $99,030,750 | 3,500 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 3,535 |
| Cost of funding earning assets | 0.4134% | 4,821 |
| Net interest margin | 3.7379% | 2,812 |
| Noninterest income to average assets | 0.6251% | 3,051 |
| Noninterest expense to average assets | 2.6202% | 4,315 |
| Loan and lease loss provision to assets | -0.2302% | 6,800 |
| Net operating income to assets | 1.7844% | 538 |
| Return on assets (ROA) | 1.7844% | 574 |
| Pretax return on assets | 1.7844% | 960 |
| Return on Equity (ROE) | 15.3172% | 756 |
| Retained earnings to average equity (ytd only) | 6.4233% | 2,189 |
| Net charge-offs to loans | 0.0909% | 3,452 |
| Credit loss provision to net charge-offs | -444.4444% | 5,887 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,145 |
| Efficiency ratio | 62.7689% | 5,055 |
| Assets per employee ($millions) | 3.9967% | 3,809 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0466% | 1,752 |
| Loan loss allowance to noncurrent loans | 97.6431% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.9487% | 2,225 |
| Noncurrent loans to loans | 2.0960% | 2,284 |
| Net loans and leases to total assets | 56.5338% | 4,207 |
| Net loans and leases to deposits | 64.6739% | 4,412 |
| Net loans and leases to core deposits | 65.4931% | 4,742 |
| Total domestic deposits to total assets | 87.4136% | 2,584 |
| Equity capital to assets | 11.8114% | 2,036 |
| Core capital (leverage) ratio | 11.7787% | 1,740 |
| Tier 1 risk-based capital ratio | 21.9736% | 1,287 |
| Total risk-based capital ratio | 23.2353% | 1,264 |
| Memoranda: | ||
| Average total assets | $173,725,330 | 3,397 |
| Average earning assets | $164,957,000 | 3,326 |
| Average equity | $20,238,670 | 3,185 |
| Average total loans | $98,987,330 | 3,516 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 3,672 |
| Cost of funding earning assets | 0.4431% | 4,671 |
| Net interest margin | 3.6697% | 2,989 |
| Noninterest income to average assets | 0.6023% | 3,128 |
| Noninterest expense to average assets | 2.6383% | 4,282 |
| Loan and lease loss provision to assets | -0.2290% | 6,905 |
| Net operating income to assets | 1.6833% | 606 |
| Return on assets (ROA) | 1.6833% | 667 |
| Pretax return on assets | 1.6833% | 1,117 |
| Return on Equity (ROE) | 14.5483% | 857 |
| Retained earnings to average equity (ytd only) | 2.6721% | 4,684 |
| Net charge-offs to loans | 0.2751% | 1,855 |
| Credit loss provision to net charge-offs | -147.0588% | 5,199 |
| Earnings coverage of net charge-offs (x) | 9.3382% | 1,845 |
| Efficiency ratio | 64.4656% | 4,926 |
| Assets per employee ($millions) | 4.1461% | 3,633 |
| Cash dividends to net income (ytd only)* | 81.6327% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1675% | 1,649 |
| Loan loss allowance to noncurrent loans | 91.2912% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.9289% | 2,430 |
| Noncurrent loans to loans | 2.3743% | 2,191 |
| Net loans and leases to total assets | 54.6133% | 4,313 |
| Net loans and leases to deposits | 61.9375% | 4,559 |
| Net loans and leases to core deposits | 62.5930% | 4,895 |
| Total domestic deposits to total assets | 88.1748% | 2,212 |
| Equity capital to assets | 11.6449% | 2,297 |
| Core capital (leverage) ratio | 11.5157% | 1,872 |
| Tier 1 risk-based capital ratio | 22.5654% | 1,226 |
| Total risk-based capital ratio | 23.8300% | 1,208 |
| Memoranda: | ||
| Average total assets | $174,658,000 | 3,420 |
| Average earning assets | $166,118,000 | 3,343 |
| Average equity | $20,208,500 | 3,229 |
| Average total loans | $98,886,500 | 3,537 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 3,175 |
| Cost of funding earning assets | 0.5664% | 4,677 |
| Net interest margin | 3.9920% | 2,421 |
| Noninterest income to average assets | 0.6172% | 3,186 |
| Noninterest expense to average assets | 2.6936% | 4,418 |
| Loan and lease loss provision to assets | 0.2340% | 2,798 |
| Net operating income to assets | 1.4170% | 1,067 |
| Return on assets (ROA) | 1.4170% | 1,180 |
| Pretax return on assets | 1.4170% | 1,978 |
| Return on Equity (ROE) | 12.5984% | 1,337 |
| Retained earnings to average equity (ytd only) | 7.9169% | 1,151 |
| Net charge-offs to loans | 0.5587% | 2,066 |
| Credit loss provision to net charge-offs | 69.3241% | 4,193 |
| Earnings coverage of net charge-offs (x) | 4.8908% | 3,214 |
| Efficiency ratio | 61.9984% | 5,238 |
| Assets per employee ($millions) | 4.2727% | 3,414 |
| Cash dividends to net income (ytd only)* | 37.1594% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2622% | 1,436 |
| Loan loss allowance to noncurrent loans | 90.2778% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 2.1213% | 2,309 |
| Noncurrent loans to loans | 2.5059% | 2,107 |
| Net loans and leases to total assets | 56.1078% | 4,272 |
| Net loans and leases to deposits | 63.6274% | 4,579 |
| Net loans and leases to core deposits | 64.4125% | 4,915 |
| Total domestic deposits to total assets | 88.1818% | 2,106 |
| Equity capital to assets | 11.4962% | 2,451 |
| Core capital (leverage) ratio | 11.3838% | 1,949 |
| Tier 1 risk-based capital ratio | 21.5622% | 1,342 |
| Total risk-based capital ratio | 22.8278% | 1,316 |
| Memoranda: | ||
| Average total assets | $170,923,200 | 3,441 |
| Average earning assets | $159,596,000 | 3,386 |
| Average equity | $19,224,600 | 3,302 |
| Average total loans | $103,282,400 | 3,449 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 3,150 |
| Cost of funding earning assets | 0.5909% | 4,737 |
| Net interest margin | 4.0235% | 2,403 |
| Noninterest income to average assets | 0.6570% | 2,956 |
| Noninterest expense to average assets | 2.8446% | 3,825 |
| Loan and lease loss provision to assets | 0.3336% | 1,962 |
| Net operating income to assets | 1.2253% | 1,652 |
| Return on assets (ROA) | 1.2253% | 1,824 |
| Pretax return on assets | 1.2253% | 2,890 |
| Return on Equity (ROE) | 10.9564% | 1,974 |
| Retained earnings to average equity (ytd only) | 6.2187% | 2,554 |
| Net charge-offs to loans | 0.6233% | 1,766 |
| Credit loss provision to net charge-offs | 87.4486% | 3,385 |
| Earnings coverage of net charge-offs (x) | 4.0864% | 3,408 |
| Efficiency ratio | 64.5989% | 4,697 |
| Assets per employee ($millions) | 4.1767% | 3,524 |
| Cash dividends to net income (ytd only)* | 43.2417% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3629% | 1,413 |
| Loan loss allowance to noncurrent loans | 83.5138% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 2.6704% | 1,971 |
| Noncurrent loans to loans | 2.8293% | 1,990 |
| Net loans and leases to total assets | 57.6945% | 4,180 |
| Net loans and leases to deposits | 65.4155% | 4,547 |
| Net loans and leases to core deposits | 66.4030% | 4,911 |
| Total domestic deposits to total assets | 88.1970% | 1,923 |
| Equity capital to assets | 11.4257% | 2,822 |
| Core capital (leverage) ratio | 11.0102% | 2,370 |
| Tier 1 risk-based capital ratio | 20.3050% | 1,685 |
| Total risk-based capital ratio | 21.5704% | 1,653 |
| Memoranda: | ||
| Average total assets | $169,859,250 | 3,488 |
| Average earning assets | $158,167,750 | 3,446 |
| Average equity | $18,996,000 | 3,366 |
| Average total loans | $103,962,000 | 3,461 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 3,079 |
| Cost of funding earning assets | 0.6088% | 4,825 |
| Net interest margin | 4.0545% | 2,273 |
| Noninterest income to average assets | 0.7119% | 2,599 |
| Noninterest expense to average assets | 2.8442% | 3,855 |
| Loan and lease loss provision to assets | 0.2361% | 2,711 |
| Net operating income to assets | 1.3979% | 1,199 |
| Return on assets (ROA) | 1.3979% | 1,340 |
| Pretax return on assets | 1.3979% | 2,204 |
| Return on Equity (ROE) | 12.5917% | 1,475 |
| Retained earnings to average equity (ytd only) | 7.2743% | 1,966 |
| Net charge-offs to loans | 0.6941% | 1,595 |
| Credit loss provision to net charge-offs | 54.9451% | 3,933 |
| Earnings coverage of net charge-offs (x) | 3.8022% | 3,263 |
| Efficiency ratio | 63.5117% | 4,980 |
| Assets per employee ($millions) | 4.1332% | 3,598 |
| Cash dividends to net income (ytd only)* | 42.2297% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2061% | 1,750 |
| Loan loss allowance to noncurrent loans | 73.1458% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 2.9393% | 1,878 |
| Noncurrent loans to loans | 3.0161% | 1,957 |
| Net loans and leases to total assets | 59.8507% | 3,853 |
| Net loans and leases to deposits | 68.1048% | 4,178 |
| Net loans and leases to core deposits | 69.1217% | 4,651 |
| Total domestic deposits to total assets | 87.8803% | 2,224 |
| Equity capital to assets | 11.3602% | 2,727 |
| Core capital (leverage) ratio | 11.1529% | 2,163 |
| Tier 1 risk-based capital ratio | 19.4543% | 1,865 |
| Total risk-based capital ratio | 20.7175% | 1,829 |
| Memoranda: | ||
| Average total assets | $169,397,330 | 3,508 |
| Average earning assets | $157,356,330 | 3,474 |
| Average equity | $18,806,000 | 3,380 |
| Average total loans | $104,886,000 | 3,460 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 3,081 |
| Cost of funding earning assets | 0.6365% | 4,840 |
| Net interest margin | 4.0559% | 2,272 |
| Noninterest income to average assets | 0.6873% | 2,723 |
| Noninterest expense to average assets | 2.8790% | 3,708 |
| Loan and lease loss provision to assets | 0.4723% | 1,295 |
| Net operating income to assets | 1.0982% | 2,090 |
| Return on assets (ROA) | 1.0982% | 2,284 |
| Pretax return on assets | 1.0982% | 3,328 |
| Return on Equity (ROE) | 10.0089% | 2,402 |
| Retained earnings to average equity (ytd only) | 3.5515% | 4,455 |
| Net charge-offs to loans | 0.6144% | 1,558 |
| Credit loss provision to net charge-offs | 123.4568% | 1,936 |
| Earnings coverage of net charge-offs (x) | 4.1049% | 2,660 |
| Efficiency ratio | 64.7028% | 4,797 |
| Assets per employee ($millions) | 4.2479% | 3,492 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3627% | 1,570 |
| Loan loss allowance to noncurrent loans | 60.3344% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 3.5871% | 1,590 |
| Noncurrent loans to loans | 3.9161% | 1,571 |
| Net loans and leases to total assets | 60.5577% | 3,544 |
| Net loans and leases to deposits | 68.2991% | 4,009 |
| Net loans and leases to core deposits | 70.1433% | 4,396 |
| Total domestic deposits to total assets | 88.6654% | 1,906 |
| Equity capital to assets | 10.9720% | 2,936 |
| Core capital (leverage) ratio | 10.8418% | 2,398 |
| Tier 1 risk-based capital ratio | 18.8322% | 2,039 |
| Total risk-based capital ratio | 20.0987% | 1,998 |
| Memoranda: | ||
| Average total assets | $169,366,000 | 3,526 |
| Average earning assets | $157,104,500 | 3,490 |
| Average equity | $18,583,500 | 3,409 |
| Average total loans | $105,473,500 | 3,471 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 3,687 |
| Cost of funding earning assets | 0.8648% | 4,356 |
| Net interest margin | 3.9592% | 3,073 |
| Noninterest income to average assets | 0.6949% | 2,631 |
| Noninterest expense to average assets | 2.8452% | 4,179 |
| Loan and lease loss provision to assets | 0.8910% | 1,080 |
| Net operating income to assets | 0.6626% | 3,678 |
| Return on assets (ROA) | 0.6626% | 3,862 |
| Pretax return on assets | 0.6626% | 4,460 |
| Return on Equity (ROE) | 6.1846% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.0682% | 2,587 |
| Net charge-offs to loans | 1.5357% | 1,034 |
| Credit loss provision to net charge-offs | 88.1135% | 4,094 |
| Earnings coverage of net charge-offs (x) | 1.5364% | 4,625 |
| Efficiency ratio | 64.6819% | 5,010 |
| Assets per employee ($millions) | 4.2205% | 3,428 |
| Cash dividends to net income (ytd only)* | 18.0505% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3228% | 1,590 |
| Loan loss allowance to noncurrent loans | 51.9822% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 3.7200% | 1,570 |
| Noncurrent loans to loans | 4.4685% | 1,337 |
| Net loans and leases to total assets | 61.0770% | 3,764 |
| Net loans and leases to deposits | 68.6935% | 4,332 |
| Net loans and leases to core deposits | 70.5559% | 4,714 |
| Total domestic deposits to total assets | 88.9123% | 1,605 |
| Equity capital to assets | 10.9728% | 3,005 |
| Core capital (leverage) ratio | 10.7911% | 2,441 |
| Tier 1 risk-based capital ratio | 18.7109% | 1,988 |
| Total risk-based capital ratio | 19.9765% | 1,941 |
| Memoranda: | ||
| Average total assets | $167,230,200 | 3,532 |
| Average earning assets | $156,445,400 | 3,463 |
| Average equity | $17,915,600 | 3,437 |
| Average total loans | $110,111,800 | 3,380 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 3,796 |
| Cost of funding earning assets | 0.9284% | 4,206 |
| Net interest margin | 3.9195% | 3,283 |
| Noninterest income to average assets | 0.7185% | 2,484 |
| Noninterest expense to average assets | 2.8699% | 4,060 |
| Loan and lease loss provision to assets | 1.1308% | 718 |
| Net operating income to assets | 0.3956% | 5,022 |
| Return on assets (ROA) | 0.3956% | 5,202 |
| Pretax return on assets | 0.3956% | 5,486 |
| Return on Equity (ROE) | 3.7154% | 5,118 |
| Retained earnings to average equity (ytd only) | 2.2142% | 5,017 |
| Net charge-offs to loans | 1.7474% | 780 |
| Credit loss provision to net charge-offs | 97.0508% | 3,530 |
| Earnings coverage of net charge-offs (x) | 1.3100% | 4,636 |
| Efficiency ratio | 65.2790% | 4,852 |
| Assets per employee ($millions) | 4.2265% | 3,402 |
| Cash dividends to net income (ytd only)* | 40.4043% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4352% | 1,484 |
| Loan loss allowance to noncurrent loans | 50.0864% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 4.0477% | 1,513 |
| Noncurrent loans to loans | 4.8621% | 1,307 |
| Net loans and leases to total assets | 61.8527% | 3,761 |
| Net loans and leases to deposits | 69.3907% | 4,405 |
| Net loans and leases to core deposits | 71.2800% | 4,809 |
| Total domestic deposits to total assets | 89.1369% | 1,342 |
| Equity capital to assets | 10.6248% | 3,546 |
| Core capital (leverage) ratio | 10.5112% | 2,855 |
| Tier 1 risk-based capital ratio | 18.2040% | 2,186 |
| Total risk-based capital ratio | 19.4718% | 2,147 |
| Memoranda: | ||
| Average total assets | $166,833,250 | 3,564 |
| Average earning assets | $156,545,500 | 3,491 |
| Average equity | $17,763,500 | 3,460 |
| Average total loans | $111,249,500 | 3,384 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 3,916 |
| Cost of funding earning assets | 0.9744% | 4,125 |
| Net interest margin | 3.8643% | 3,471 |
| Noninterest income to average assets | 0.7273% | 2,391 |
| Noninterest expense to average assets | 2.8213% | 4,342 |
| Loan and lease loss provision to assets | 1.2644% | 597 |
| Net operating income to assets | 0.2709% | 5,478 |
| Return on assets (ROA) | 0.2709% | 5,608 |
| Pretax return on assets | 0.2709% | 5,742 |
| Return on Equity (ROE) | 2.5428% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.5428% | 4,674 |
| Net charge-offs to loans | 2.0869% | 631 |
| Credit loss provision to net charge-offs | 89.3617% | 3,470 |
| Earnings coverage of net charge-offs (x) | 1.0851% | 4,468 |
| Efficiency ratio | 64.7595% | 5,100 |
| Assets per employee ($millions) | 4.0065% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2947% | 1,750 |
| Loan loss allowance to noncurrent loans | 45.7639% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 4.2918% | 1,478 |
| Noncurrent loans to loans | 5.0142% | 1,302 |
| Net loans and leases to total assets | 65.5277% | 3,131 |
| Net loans and leases to deposits | 73.6310% | 3,859 |
| Net loans and leases to core deposits | 76.0549% | 4,312 |
| Total domestic deposits to total assets | 88.9946% | 1,530 |
| Equity capital to assets | 10.8623% | 3,113 |
| Core capital (leverage) ratio | 10.5802% | 2,630 |
| Tier 1 risk-based capital ratio | 17.9486% | 2,191 |
| Total risk-based capital ratio | 19.2148% | 2,136 |
| Memoranda: | ||
| Average total assets | $166,091,670 | 3,597 |
| Average earning assets | $155,991,000 | 3,526 |
| Average equity | $17,697,330 | 3,463 |
| Average total loans | $112,607,000 | 3,399 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 3,866 |
| Cost of funding earning assets | 1.0105% | 4,130 |
| Net interest margin | 3.8302% | 3,466 |
| Noninterest income to average assets | 0.7904% | 2,070 |
| Noninterest expense to average assets | 2.8023% | 4,426 |
| Loan and lease loss provision to assets | 1.0778% | 688 |
| Net operating income to assets | 0.5054% | 4,468 |
| Return on assets (ROA) | 0.5054% | 4,552 |
| Pretax return on assets | 0.5054% | 5,010 |
| Return on Equity (ROE) | 4.7888% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.7888% | 3,307 |
| Net charge-offs to loans | 1.4759% | 919 |
| Credit loss provision to net charge-offs | 107.1429% | 2,486 |
| Earnings coverage of net charge-offs (x) | 1.5738% | 3,534 |
| Efficiency ratio | 63.8995% | 5,377 |
| Assets per employee ($millions) | 4.1594% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3846% | 1,626 |
| Loan loss allowance to noncurrent loans | 47.2526% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 4.4153% | 1,478 |
| Noncurrent loans to loans | 5.0464% | 1,330 |
| Net loans and leases to total assets | 66.0143% | 3,001 |
| Net loans and leases to deposits | 74.0482% | 3,755 |
| Net loans and leases to core deposits | 76.4613% | 4,242 |
| Total domestic deposits to total assets | 89.1505% | 1,676 |
| Equity capital to assets | 10.6578% | 3,029 |
| Core capital (leverage) ratio | 10.4972% | 2,614 |
| Tier 1 risk-based capital ratio | 17.6440% | 2,234 |
| Total risk-based capital ratio | 18.9119% | 2,201 |
| Memoranda: | ||
| Average total assets | $167,005,000 | 3,607 |
| Average earning assets | $156,754,000 | 3,529 |
| Average equity | $17,624,500 | 3,470 |
| Average total loans | $113,827,000 | 3,392 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5253% | 2,179 |
| Cost of funding earning assets | 1.2906% | 3,941 |
| Net interest margin | 4.2347% | 2,046 |
| Noninterest income to average assets | 0.6452% | 3,186 |
| Noninterest expense to average assets | 2.7173% | 4,917 |
| Loan and lease loss provision to assets | 1.5193% | 971 |
| Net operating income to assets | 0.3909% | 4,583 |
| Return on assets (ROA) | 0.3909% | 4,732 |
| Pretax return on assets | 0.3909% | 4,976 |
| Return on Equity (ROE) | 3.6367% | 4,680 |
| Retained earnings to average equity (ytd only) | -3.8727% | 6,192 |
| Net charge-offs to loans | 1.4090% | 1,583 |
| Credit loss provision to net charge-offs | 147.9412% | 2,469 |
| Earnings coverage of net charge-offs (x) | 1.8600% | 4,335 |
| Efficiency ratio | 58.7206% | 6,244 |
| Assets per employee ($millions) | 4.0886% | 3,598 |
| Cash dividends to net income (ytd only)* | 206.4915% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3042% | 1,686 |
| Loan loss allowance to noncurrent loans | 58.2565% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 3.7749% | 1,813 |
| Noncurrent loans to loans | 3.9552% | 1,844 |
| Net loans and leases to total assets | 67.1021% | 3,189 |
| Net loans and leases to deposits | 75.0542% | 4,016 |
| Net loans and leases to core deposits | 77.4750% | 4,524 |
| Total domestic deposits to total assets | 89.4049% | 1,438 |
| Equity capital to assets | 10.4496% | 3,213 |
| Core capital (leverage) ratio | 10.2650% | 2,799 |
| Tier 1 risk-based capital ratio | 16.6655% | 2,469 |
| Total risk-based capital ratio | 17.9313% | 2,430 |
| Memoranda: | ||
| Average total assets | $165,532,200 | 3,609 |
| Average earning assets | $155,665,800 | 3,528 |
| Average equity | $17,791,000 | 3,462 |
| Average total loans | $120,654,000 | 3,301 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6251% | 1,968 |
| Cost of funding earning assets | 1.3507% | 3,894 |
| Net interest margin | 4.2744% | 1,941 |
| Noninterest income to average assets | 0.6391% | 3,197 |
| Noninterest expense to average assets | 2.6463% | 5,128 |
| Loan and lease loss provision to assets | 1.2928% | 1,079 |
| Net operating income to assets | 0.7224% | 3,312 |
| Return on assets (ROA) | 0.7224% | 3,467 |
| Pretax return on assets | 0.7224% | 4,168 |
| Return on Equity (ROE) | 6.6742% | 3,499 |
| Retained earnings to average equity (ytd only) | -1.6200% | 6,122 |
| Net charge-offs to loans | 1.0729% | 1,891 |
| Credit loss provision to net charge-offs | 162.9328% | 2,308 |
| Earnings coverage of net charge-offs (x) | 2.5397% | 3,894 |
| Efficiency ratio | 56.7689% | 6,450 |
| Assets per employee ($millions) | 4.1330% | 3,591 |
| Cash dividends to net income (ytd only)* | 124.2733% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0373% | 2,126 |
| Loan loss allowance to noncurrent loans | 70.9212% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 2.8031% | 2,592 |
| Noncurrent loans to loans | 2.8727% | 2,779 |
| Net loans and leases to total assets | 69.6903% | 2,810 |
| Net loans and leases to deposits | 78.2627% | 3,782 |
| Net loans and leases to core deposits | 80.7877% | 4,411 |
| Total domestic deposits to total assets | 89.0466% | 1,368 |
| Equity capital to assets | 10.6336% | 3,369 |
| Core capital (leverage) ratio | 10.6955% | 2,516 |
| Tier 1 risk-based capital ratio | 16.3041% | 2,634 |
| Total risk-based capital ratio | 17.5664% | 2,586 |
| Memoranda: | ||
| Average total assets | $165,006,750 | 3,669 |
| Average earning assets | $155,277,250 | 3,590 |
| Average equity | $17,859,500 | 3,490 |
| Average total loans | $122,032,750 | 3,326 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7286% | 1,660 |
| Cost of funding earning assets | 1.4321% | 3,659 |
| Net interest margin | 4.2964% | 1,791 |
| Noninterest income to average assets | 0.6458% | 3,030 |
| Noninterest expense to average assets | 2.5293% | 5,609 |
| Loan and lease loss provision to assets | 1.9569% | 627 |
| Net operating income to assets | 0.2030% | 5,550 |
| Return on assets (ROA) | 0.2030% | 5,682 |
| Pretax return on assets | 0.2030% | 5,764 |
| Return on Equity (ROE) | 1.8645% | 5,672 |
| Retained earnings to average equity (ytd only) | -10.6142% | 6,940 |
| Net charge-offs to loans | 0.9320% | 1,974 |
| Credit loss provision to net charge-offs | 280.2102% | 1,322 |
| Earnings coverage of net charge-offs (x) | 3.0928% | 3,458 |
| Efficiency ratio | 53.9384% | 6,888 |
| Assets per employee ($millions) | 3.9170% | 3,931 |
| Cash dividends to net income (ytd only)* | 669.2771% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3453% | 1,520 |
| Loan loss allowance to noncurrent loans | 120.6142% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 2.2958% | 3,133 |
| Noncurrent loans to loans | 1.9445% | 3,803 |
| Net loans and leases to total assets | 74.3317% | 1,841 |
| Net loans and leases to deposits | 83.5656% | 2,959 |
| Net loans and leases to core deposits | 86.4367% | 3,773 |
| Total domestic deposits to total assets | 88.9501% | 1,469 |
| Equity capital to assets | 10.7709% | 3,105 |
| Core capital (leverage) ratio | 10.4034% | 2,708 |
| Tier 1 risk-based capital ratio | 15.6738% | 2,815 |
| Total risk-based capital ratio | 16.9407% | 2,774 |
| Memoranda: | ||
| Average total assets | $163,524,330 | 3,713 |
| Average earning assets | $153,895,670 | 3,638 |
| Average equity | $17,806,330 | 3,492 |
| Average total loans | $122,527,330 | 3,353 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7277% | 1,675 |
| Cost of funding earning assets | 1.4904% | 3,618 |
| Net interest margin | 4.2373% | 1,903 |
| Noninterest income to average assets | 0.6328% | 3,060 |
| Noninterest expense to average assets | 2.4996% | 5,734 |
| Loan and lease loss provision to assets | 1.2122% | 1,003 |
| Net operating income to assets | 0.9189% | 2,477 |
| Return on assets (ROA) | 0.9189% | 2,542 |
| Pretax return on assets | 0.9189% | 3,396 |
| Return on Equity (ROE) | 8.3940% | 2,701 |
| Retained earnings to average equity (ytd only) | -9.5235% | 6,931 |
| Net charge-offs to loans | 1.0858% | 1,538 |
| Credit loss provision to net charge-offs | 150.1502% | 2,369 |
| Earnings coverage of net charge-offs (x) | 2.6396% | 3,214 |
| Efficiency ratio | 53.9791% | 6,976 |
| Assets per employee ($millions) | 3.9796% | 3,919 |
| Cash dividends to net income (ytd only)* | 213.4565% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 3,338 |
| Loan loss allowance to noncurrent loans | 107.1047% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.6205% | 4,053 |
| Noncurrent loans to loans | 1.5201% | 4,467 |
| Net loans and leases to total assets | 74.2449% | 1,921 |
| Net loans and leases to deposits | 83.6009% | 3,010 |
| Net loans and leases to core deposits | 86.4342% | 3,834 |
| Total domestic deposits to total assets | 88.8088% | 1,612 |
| Equity capital to assets | 10.9252% | 2,830 |
| Core capital (leverage) ratio | 10.7202% | 2,442 |
| Tier 1 risk-based capital ratio | 15.7882% | 2,732 |
| Total risk-based capital ratio | 17.0450% | 2,673 |
| Memoranda: | ||
| Average total assets | $164,987,000 | 3,745 |
| Average earning assets | $155,664,500 | 3,654 |
| Average equity | $18,060,500 | 3,469 |
| Average total loans | $122,669,500 | 3,415 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9866% | 1,922 |
| Cost of funding earning assets | 1.8357% | 3,807 |
| Net interest margin | 4.1509% | 2,242 |
| Noninterest income to average assets | 0.6387% | 3,365 |
| Noninterest expense to average assets | 2.5811% | 5,857 |
| Loan and lease loss provision to assets | 0.5989% | 3,398 |
| Net operating income to assets | 1.3933% | 862 |
| Return on assets (ROA) | 1.3933% | 922 |
| Pretax return on assets | 1.3933% | 1,452 |
| Return on Equity (ROE) | 12.4749% | 1,056 |
| Retained earnings to average equity (ytd only) | 6.2657% | 1,244 |
| Net charge-offs to loans | 0.4034% | 4,209 |
| Credit loss provision to net charge-offs | 200.8457% | 1,940 |
| Earnings coverage of net charge-offs (x) | 6.6808% | 2,315 |
| Efficiency ratio | 56.4378% | 6,959 |
| Assets per employee ($millions) | 3.9717% | 3,867 |
| Cash dividends to net income (ytd only)* | 49.7738% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,703 |
| Loan loss allowance to noncurrent loans | 75.1431% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.7169% | 3,792 |
| Noncurrent loans to loans | 2.0018% | 3,648 |
| Net loans and leases to total assets | 72.1510% | 2,718 |
| Net loans and leases to deposits | 81.2178% | 3,760 |
| Net loans and leases to core deposits | 91.3171% | 4,973 |
| Total domestic deposits to total assets | 88.8364% | 1,549 |
| Equity capital to assets | 10.9676% | 2,731 |
| Core capital (leverage) ratio | 10.9594% | 2,249 |
| Tier 1 risk-based capital ratio | 16.2931% | 2,398 |
| Total risk-based capital ratio | 17.5483% | 2,340 |
| Memoranda: | ||
| Average total assets | $158,615,000 | 3,798 |
| Average earning assets | $150,353,600 | 3,707 |
| Average equity | $17,715,600 | 3,546 |
| Average total loans | $117,255,400 | 3,542 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0405% | 1,880 |
| Cost of funding earning assets | 1.8914% | 3,924 |
| Net interest margin | 4.1491% | 2,216 |
| Noninterest income to average assets | 0.6140% | 3,594 |
| Noninterest expense to average assets | 2.6842% | 5,390 |
| Loan and lease loss provision to assets | 0.5535% | 3,166 |
| Net operating income to assets | 1.3123% | 1,191 |
| Return on assets (ROA) | 1.3123% | 1,267 |
| Pretax return on assets | 1.3123% | 1,926 |
| Return on Equity (ROE) | 11.6934% | 1,443 |
| Retained earnings to average equity (ytd only) | 4.6743% | 2,670 |
| Net charge-offs to loans | 0.4367% | 3,494 |
| Credit loss provision to net charge-offs | 171.0526% | 2,720 |
| Earnings coverage of net charge-offs (x) | 5.7658% | 2,740 |
| Efficiency ratio | 58.9931% | 6,571 |
| Assets per employee ($millions) | 3.8344% | 4,114 |
| Cash dividends to net income (ytd only)* | 60.0257% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 4,089 |
| Loan loss allowance to noncurrent loans | 58.8172% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.9591% | 3,402 |
| Noncurrent loans to loans | 2.3364% | 3,221 |
| Net loans and leases to total assets | 72.6842% | 2,863 |
| Net loans and leases to deposits | 82.0586% | 4,012 |
| Net loans and leases to core deposits | 92.4627% | 5,186 |
| Total domestic deposits to total assets | 88.5759% | 1,399 |
| Equity capital to assets | 11.0757% | 2,949 |
| Core capital (leverage) ratio | 10.8278% | 2,545 |
| Tier 1 risk-based capital ratio | 16.0265% | 2,620 |
| Total risk-based capital ratio | 17.2795% | 2,548 |
| Memoranda: | ||
| Average total assets | $156,566,250 | 3,863 |
| Average earning assets | $148,527,500 | 3,752 |
| Average equity | $17,570,750 | 3,602 |
| Average total loans | $116,021,000 | 3,594 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0806% | 1,852 |
| Cost of funding earning assets | 1.9506% | 3,999 |
| Net interest margin | 4.1300% | 2,221 |
| Noninterest income to average assets | 0.6913% | 3,045 |
| Noninterest expense to average assets | 2.7703% | 5,090 |
| Loan and lease loss provision to assets | 0.5804% | 2,700 |
| Net operating income to assets | 1.2536% | 1,348 |
| Return on assets (ROA) | 1.2536% | 1,423 |
| Pretax return on assets | 1.2536% | 2,150 |
| Return on Equity (ROE) | 11.1200% | 1,670 |
| Retained earnings to average equity (ytd only) | 4.8278% | 2,612 |
| Net charge-offs to loans | 0.5229% | 2,754 |
| Credit loss provision to net charge-offs | 149.5017% | 3,093 |
| Earnings coverage of net charge-offs (x) | 4.7243% | 3,023 |
| Efficiency ratio | 60.1681% | 6,522 |
| Assets per employee ($millions) | 3.7754% | 4,162 |
| Cash dividends to net income (ytd only)* | 56.5844% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 4,461 |
| Loan loss allowance to noncurrent loans | 84.2634% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.4095% | 4,141 |
| Noncurrent loans to loans | 1.5078% | 4,233 |
| Net loans and leases to total assets | 73.9995% | 2,699 |
| Net loans and leases to deposits | 83.5997% | 3,952 |
| Net loans and leases to core deposits | 94.0118% | 5,115 |
| Total domestic deposits to total assets | 88.5165% | 1,521 |
| Equity capital to assets | 11.1436% | 2,797 |
| Core capital (leverage) ratio | 10.9686% | 2,424 |
| Tier 1 risk-based capital ratio | 15.7270% | 2,717 |
| Total risk-based capital ratio | 16.9785% | 2,654 |
| Memoranda: | ||
| Average total assets | $155,073,000 | 3,921 |
| Average earning assets | $146,926,000 | 3,800 |
| Average equity | $17,482,000 | 3,620 |
| Average total loans | $115,132,670 | 3,644 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0988% | 1,949 |
| Cost of funding earning assets | 1.9769% | 4,251 |
| Net interest margin | 4.1218% | 2,207 |
| Noninterest income to average assets | 0.6522% | 3,183 |
| Noninterest expense to average assets | 2.5540% | 5,636 |
| Loan and lease loss provision to assets | 0.7826% | 1,641 |
| Net operating income to assets | 1.2209% | 1,596 |
| Return on assets (ROA) | 1.2209% | 1,701 |
| Pretax return on assets | 1.2209% | 2,550 |
| Return on Equity (ROE) | 10.7660% | 2,037 |
| Retained earnings to average equity (ytd only) | 2.7145% | 4,376 |
| Net charge-offs to loans | 0.8192% | 1,581 |
| Credit loss provision to net charge-offs | 129.3103% | 3,102 |
| Earnings coverage of net charge-offs (x) | 3.3103% | 3,216 |
| Efficiency ratio | 56.0389% | 6,968 |
| Assets per employee ($millions) | 3.6556% | 4,437 |
| Cash dividends to net income (ytd only)* | 74.7863% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 4,406 |
| Loan loss allowance to noncurrent loans | 78.0448% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.4811% | 3,709 |
| Noncurrent loans to loans | 1.6049% | 3,868 |
| Net loans and leases to total assets | 73.3792% | 2,918 |
| Net loans and leases to deposits | 83.1245% | 4,111 |
| Net loans and leases to core deposits | 92.6641% | 5,292 |
| Total domestic deposits to total assets | 88.2762% | 1,590 |
| Equity capital to assets | 11.3382% | 2,695 |
| Core capital (leverage) ratio | 11.2028% | 2,338 |
| Tier 1 risk-based capital ratio | 15.9139% | 2,719 |
| Total risk-based capital ratio | 17.1645% | 2,661 |
| Memoranda: | ||
| Average total assets | $153,326,500 | 3,954 |
| Average earning assets | $145,275,000 | 3,845 |
| Average equity | $17,388,000 | 3,654 |
| Average total loans | $113,275,000 | 3,715 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7099% | 1,993 |
| Cost of funding earning assets | 2.4406% | 4,524 |
| Net interest margin | 4.2693% | 2,071 |
| Noninterest income to average assets | 0.6750% | 3,293 |
| Noninterest expense to average assets | 2.6804% | 5,338 |
| Loan and lease loss provision to assets | 0.6089% | 2,386 |
| Net operating income to assets | 1.4057% | 1,215 |
| Return on assets (ROA) | 1.4633% | 1,056 |
| Pretax return on assets | 1.4633% | 1,783 |
| Return on Equity (ROE) | 13.2009% | 1,285 |
| Retained earnings to average equity (ytd only) | 2.7170% | 3,490 |
| Net charge-offs to loans | 0.6885% | 1,781 |
| Credit loss provision to net charge-offs | 123.5060% | 4,343 |
| Earnings coverage of net charge-offs (x) | 4.0863% | 4,108 |
| Efficiency ratio | 57.0911% | 6,856 |
| Assets per employee ($millions) | 3.6457% | 4,299 |
| Cash dividends to net income (ytd only)* | 79.4183% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 4,454 |
| Loan loss allowance to noncurrent loans | 88.3766% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 3,634 |
| Noncurrent loans to loans | 1.3694% | 3,778 |
| Net loans and leases to total assets | 72.5566% | 3,474 |
| Net loans and leases to deposits | 82.1415% | 4,708 |
| Net loans and leases to core deposits | 90.4133% | 5,767 |
| Total domestic deposits to total assets | 88.3313% | 1,323 |
| Equity capital to assets | 11.3428% | 2,757 |
| Core capital (leverage) ratio | 11.0243% | 2,576 |
| Tier 1 risk-based capital ratio | 15.9415% | 2,688 |
| Total risk-based capital ratio | 17.1918% | 2,630 |
| Memoranda: | ||
| Average total assets | $152,739,400 | 3,853 |
| Average earning assets | $143,817,800 | 3,764 |
| Average equity | $16,930,600 | 3,749 |
| Average total loans | $109,368,400 | 3,692 |