Home > The First National Bank of Sterling City > Performance and Condition Ratios
The First National Bank of Sterling City, 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 | 3.5571% | 4,397 |
| Cost of funding earning assets | 0.6901% | 4,198 |
| Net interest margin | 2.8671% | 3,607 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 1.4820% | 4,232 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 1.4608% | 1,158 |
| Return on assets (ROA) | 1.4308% | 1,204 |
| Pretax return on assets | 1.4308% | 1,665 |
| Return on Equity (ROE) | 25.2300% | 190 |
| Retained earnings to average equity (ytd only) | 11.2119% | 922 |
| Net charge-offs to loans | 0.0096% | 1,888 |
| Credit loss provision to net charge-offs | 5,800.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 885.0000% | 116 |
| Efficiency ratio | 48.6659% | 3,976 |
| Assets per employee ($millions) | 10.8036% | 623 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 2,719 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 19.2600% | 4,299 |
| Net loans and leases to deposits | 20.6043% | 4,320 |
| Net loans and leases to core deposits | 21.1713% | 4,300 |
| Total domestic deposits to total assets | 93.5000% | 108 |
| Equity capital to assets | 6.4458% | 4,163 |
| Core capital (leverage) ratio | 10.5753% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0035% | 176 |
| Memoranda: | ||
| Average total assets | $226,451,500 | 2,856 |
| Average earning assets | $220,851,000 | 2,790 |
| Average equity | $12,843,500 | 3,548 |
| Average total loans | $41,503,000 | 3,939 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3545% | 4,431 |
| Cost of funding earning assets | 0.7736% | 4,184 |
| Net interest margin | 2.5809% | 3,798 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 1.4169% | 4,303 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.2845% | 1,326 |
| Return on assets (ROA) | 1.2845% | 1,331 |
| Pretax return on assets | 1.2845% | 1,795 |
| Return on Equity (ROE) | 28.5100% | 125 |
| Retained earnings to average equity (ytd only) | 21.3077% | 47 |
| Net charge-offs to loans | -0.0028% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 51.4896% | 3,904 |
| Assets per employee ($millions) | 10.7632% | 610 |
| Cash dividends to net income (ytd only)* | 25.2695% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 2,665 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 16.9800% | 4,327 |
| Net loans and leases to deposits | 17.8651% | 4,349 |
| Net loans and leases to core deposits | 18.3757% | 4,330 |
| Total domestic deposits to total assets | 95.0600% | 55 |
| Equity capital to assets | 4.8945% | 4,366 |
| Core capital (leverage) ratio | 10.8054% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7204% | 171 |
| Memoranda: | ||
| Average total assets | $231,066,800 | 2,809 |
| Average earning assets | $226,081,600 | 2,737 |
| Average equity | $10,409,400 | 3,729 |
| Average total loans | $35,988,400 | 4,012 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3532% | 4,467 |
| Cost of funding earning assets | 0.8390% | 4,169 |
| Net interest margin | 2.5142% | 3,872 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 1.3704% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.2775% | 1,358 |
| Return on assets (ROA) | 1.2775% | 1,351 |
| Pretax return on assets | 1.2775% | 1,824 |
| Return on Equity (ROE) | 28.9700% | 120 |
| Retained earnings to average equity (ytd only) | 20.5083% | 98 |
| Net charge-offs to loans | 0.0113% | 2,219 |
| Credit loss provision to net charge-offs | 166.6667% | 1,205 |
| Earnings coverage of net charge-offs (x) | 743.6667% | 171 |
| Efficiency ratio | 51.0067% | 3,922 |
| Assets per employee ($millions) | 10.2780% | 706 |
| Cash dividends to net income (ytd only)* | 29.2004% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,007 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 16.4500% | 4,365 |
| Net loans and leases to deposits | 17.6326% | 4,383 |
| Net loans and leases to core deposits | 18.1545% | 4,365 |
| Total domestic deposits to total assets | 93.3100% | 79 |
| Equity capital to assets | 6.5984% | 4,220 |
| Core capital (leverage) ratio | 10.5976% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6671% | 167 |
| Memoranda: | ||
| Average total assets | $232,326,750 | 2,789 |
| Average earning assets | $227,396,250 | 2,725 |
| Average equity | $10,246,000 | 3,755 |
| Average total loans | $35,282,250 | 4,038 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3946% | 4,472 |
| Cost of funding earning assets | 0.8743% | 4,128 |
| Net interest margin | 2.5203% | 3,851 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 1.3507% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3063% | 1,251 |
| Return on assets (ROA) | 1.3063% | 1,263 |
| Pretax return on assets | 1.3063% | 1,681 |
| Return on Equity (ROE) | 35.2400% | 86 |
| Retained earnings to average equity (ytd only) | 22.5829% | 90 |
| Net charge-offs to loans | -0.0058% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 50.1606% | 3,999 |
| Assets per employee ($millions) | 10.6194% | 613 |
| Cash dividends to net income (ytd only)* | 35.9242% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 2,664 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 15.5300% | 4,387 |
| Net loans and leases to deposits | 16.2258% | 4,408 |
| Net loans and leases to core deposits | 16.7080% | 4,383 |
| Total domestic deposits to total assets | 95.7100% | 31 |
| Equity capital to assets | 4.2106% | 4,451 |
| Core capital (leverage) ratio | 9.9984% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5217% | 164 |
| Memoranda: | ||
| Average total assets | $234,397,333 | 2,777 |
| Average earning assets | $229,659,667 | 2,706 |
| Average equity | $8,688,000 | 3,898 |
| Average total loans | $34,510,667 | 4,061 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 4,484 |
| Cost of funding earning assets | 0.8269% | 4,151 |
| Net interest margin | 2.6082% | 3,708 |
| Noninterest income to average assets | 0.2000% | 3,639 |
| Noninterest expense to average assets | 1.3262% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4245% | 1,013 |
| Return on assets (ROA) | 1.4245% | 1,023 |
| Pretax return on assets | 1.4245% | 1,386 |
| Return on Equity (ROE) | 41.0200% | 60 |
| Retained earnings to average equity (ytd only) | 19.4315% | 218 |
| Net charge-offs to loans | -0.0117% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 47.5469% | 4,128 |
| Assets per employee ($millions) | 11.6611% | 463 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 2,542 |
| Loan loss allowance to noncurrent loans | 3,572.7273% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,811 |
| Noncurrent loans to loans | 0.0322% | 3,546 |
| Net loans and leases to total assets | 13.7900% | 4,419 |
| Net loans and leases to deposits | 14.2488% | 4,429 |
| Net loans and leases to core deposits | 14.6608% | 4,452 |
| Total domestic deposits to total assets | 96.7700% | 33 |
| Equity capital to assets | 3.1668% | 4,515 |
| Core capital (leverage) ratio | 9.2106% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1890% | 188 |
| Memoranda: | ||
| Average total assets | $240,092,000 | 2,756 |
| Average earning assets | $235,102,500 | 2,682 |
| Average equity | $8,337,000 | 3,957 |
| Average total loans | $34,252,500 | 4,082 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0692% | 4,508 |
| Cost of funding earning assets | 0.5826% | 4,094 |
| Net interest margin | 2.4866% | 4,104 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.3303% | 4,427 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.2863% | 1,457 |
| Return on assets (ROA) | 1.2795% | 1,443 |
| Pretax return on assets | 1.2795% | 1,928 |
| Return on Equity (ROE) | 59.5500% | 42 |
| Retained earnings to average equity (ytd only) | 42.8088% | 25 |
| Net charge-offs to loans | 0.0257% | 1,802 |
| Credit loss provision to net charge-offs | 462.5000% | 714 |
| Earnings coverage of net charge-offs (x) | 384.6250% | 362 |
| Efficiency ratio | 49.8634% | 3,991 |
| Assets per employee ($millions) | 11.7651% | 435 |
| Cash dividends to net income (ytd only)* | 28.1085% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,597 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 14.4300% | 4,430 |
| Net loans and leases to deposits | 15.0053% | 4,445 |
| Net loans and leases to core deposits | 15.4955% | 4,465 |
| Total domestic deposits to total assets | 96.1600% | 37 |
| Equity capital to assets | 3.7905% | 4,508 |
| Core capital (leverage) ratio | 9.7311% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8205% | 182 |
| Memoranda: | ||
| Average total assets | $236,336,800 | 2,760 |
| Average earning assets | $231,202,800 | 2,682 |
| Average equity | $5,078,400 | 4,254 |
| Average total loans | $31,139,000 | 4,125 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0706% | 4,514 |
| Cost of funding earning assets | 0.5912% | 3,987 |
| Net interest margin | 2.4794% | 4,166 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.2927% | 4,451 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3232% | 1,488 |
| Return on assets (ROA) | 1.3266% | 1,462 |
| Pretax return on assets | 1.3266% | 1,954 |
| Return on Equity (ROE) | 76.2100% | 30 |
| Retained earnings to average equity (ytd only) | 51.9301% | 30 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.5512% | 4,011 |
| Assets per employee ($millions) | 10.5030% | 573 |
| Cash dividends to net income (ytd only)* | 31.8607% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 2,613 |
| Loan loss allowance to noncurrent loans | 9,500.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,863 |
| Noncurrent loans to loans | 0.0121% | 3,707 |
| Net loans and leases to total assets | 14.8000% | 4,458 |
| Net loans and leases to deposits | 14.9621% | 4,471 |
| Net loans and leases to core deposits | 15.4690% | 4,457 |
| Total domestic deposits to total assets | 98.9300% | 32 |
| Equity capital to assets | 0.9975% | 4,576 |
| Core capital (leverage) ratio | 9.4747% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.7168% | 175 |
| Memoranda: | ||
| Average total assets | $236,595,750 | 2,770 |
| Average earning assets | $231,390,750 | 2,686 |
| Average equity | $4,118,250 | 4,358 |
| Average total loans | $30,337,500 | 4,150 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0607% | 4,536 |
| Cost of funding earning assets | 0.5719% | 3,828 |
| Net interest margin | 2.4888% | 4,217 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.2425% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3987% | 1,339 |
| Return on assets (ROA) | 1.4037% | 1,300 |
| Pretax return on assets | 1.4037% | 1,803 |
| Return on Equity (ROE) | 71.3800% | 32 |
| Retained earnings to average equity (ytd only) | 44.0552% | 45 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.3850% | 4,150 |
| Assets per employee ($millions) | 11.4435% | 445 |
| Cash dividends to net income (ytd only)* | 38.2803% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,406 |
| Loan loss allowance to noncurrent loans | 7,260.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,879 |
| Noncurrent loans to loans | 0.0166% | 3,648 |
| Net loans and leases to total assets | 12.9900% | 4,495 |
| Net loans and leases to deposits | 13.2510% | 4,503 |
| Net loans and leases to core deposits | 13.7028% | 4,492 |
| Total domestic deposits to total assets | 98.0100% | 33 |
| Equity capital to assets | 1.9365% | 4,604 |
| Core capital (leverage) ratio | 8.8087% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3875% | 171 |
| Memoranda: | ||
| Average total assets | $241,940,333 | 2,734 |
| Average earning assets | $236,741,333 | 2,662 |
| Average equity | $4,757,667 | 4,315 |
| Average total loans | $29,441,000 | 4,172 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0045% | 4,563 |
| Cost of funding earning assets | 0.5046% | 3,672 |
| Net interest margin | 2.4999% | 4,303 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.2009% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4102% | 1,380 |
| Return on assets (ROA) | 1.4199% | 1,326 |
| Pretax return on assets | 1.4199% | 1,838 |
| Return on Equity (ROE) | 71.7000% | 36 |
| Retained earnings to average equity (ytd only) | 26.9891% | 146 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.3144% | 4,256 |
| Assets per employee ($millions) | 12.5142% | 346 |
| Cash dividends to net income (ytd only)* | 62.3583% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,283 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 11.4400% | 4,568 |
| Net loans and leases to deposits | 11.6845% | 4,577 |
| Net loans and leases to core deposits | 12.1510% | 4,565 |
| Total domestic deposits to total assets | 97.9400% | 20 |
| Equity capital to assets | 2.0269% | 4,636 |
| Core capital (leverage) ratio | 8.0540% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4186% | 176 |
| Memoranda: | ||
| Average total assets | $248,476,000 | 2,737 |
| Average earning assets | $243,372,000 | 2,656 |
| Average equity | $4,920,500 | 4,359 |
| Average total loans | $29,118,500 | 4,237 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2402% | 4,574 |
| Cost of funding earning assets | 0.1392% | 4,180 |
| Net interest margin | 2.1010% | 4,522 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.2073% | 4,608 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.0366% | 2,433 |
| Return on assets (ROA) | 1.0321% | 2,387 |
| Pretax return on assets | 1.0321% | 2,970 |
| Return on Equity (ROE) | 30.7100% | 112 |
| Retained earnings to average equity (ytd only) | 19.5299% | 102 |
| Net charge-offs to loans | -0.2467% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.5367% | 3,829 |
| Assets per employee ($millions) | 12.3334% | 357 |
| Cash dividends to net income (ytd only)* | 36.4068% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,189 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 11.7000% | 4,599 |
| Net loans and leases to deposits | 11.9641% | 4,605 |
| Net loans and leases to core deposits | 12.5216% | 4,592 |
| Total domestic deposits to total assets | 97.8300% | 37 |
| Equity capital to assets | 1.9330% | 4,649 |
| Core capital (leverage) ratio | 8.0060% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0184% | 181 |
| Memoranda: | ||
| Average total assets | $244,847,000 | 2,757 |
| Average earning assets | $238,460,200 | 2,679 |
| Average equity | $8,228,400 | 4,076 |
| Average total loans | $29,184,400 | 4,254 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0577% | 4,598 |
| Cost of funding earning assets | 0.0914% | 4,341 |
| Net interest margin | 1.9662% | 4,561 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.1620% | 4,643 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.9389% | 2,715 |
| Return on assets (ROA) | 0.9389% | 2,679 |
| Pretax return on assets | 0.9389% | 3,209 |
| Return on Equity (ROE) | 25.2300% | 181 |
| Retained earnings to average equity (ytd only) | 22.1545% | 62 |
| Net charge-offs to loans | -0.3291% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.2105% | 3,696 |
| Assets per employee ($millions) | 12.8950% | 307 |
| Cash dividends to net income (ytd only)* | 12.2022% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,404 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 11.3600% | 4,643 |
| Net loans and leases to deposits | 11.5920% | 4,650 |
| Net loans and leases to core deposits | 12.1089% | 4,634 |
| Total domestic deposits to total assets | 98.0200% | 53 |
| Equity capital to assets | 1.7216% | 4,668 |
| Core capital (leverage) ratio | 8.0031% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2570% | 191 |
| Memoranda: | ||
| Average total assets | $244,391,750 | 2,781 |
| Average earning assets | $237,673,500 | 2,702 |
| Average equity | $9,093,500 | 4,025 |
| Average total loans | $29,172,250 | 4,281 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9217% | 4,639 |
| Cost of funding earning assets | 0.0482% | 4,605 |
| Net interest margin | 1.8736% | 4,606 |
| Noninterest income to average assets | 0.1651% | 4,184 |
| Noninterest expense to average assets | 1.1730% | 4,656 |
| Loan and lease loss provision to assets | -0.0425% | 4,499 |
| Net operating income to assets | 0.8512% | 2,767 |
| Return on assets (ROA) | 0.8512% | 2,745 |
| Pretax return on assets | 0.8512% | 3,201 |
| Return on Equity (ROE) | 19.1833% | 370 |
| Retained earnings to average equity (ytd only) | 18.2439% | 106 |
| Net charge-offs to loans | -0.4620% | 4,685 |
| Credit loss provision to net charge-offs | 76.1194% | 1,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3088% | 3,516 |
| Assets per employee ($millions) | 12.2209% | 354 |
| Cash dividends to net income (ytd only)* | 4.8972% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 12.0212% | 4,700 |
| Net loans and leases to deposits | 12.3537% | 4,707 |
| Net loans and leases to core deposits | 12.9913% | 4,700 |
| Total domestic deposits to total assets | 97.3087% | 38 |
| Equity capital to assets | 2.4151% | 4,710 |
| Core capital (leverage) ratio | 8.0452% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5873% | 158 |
| Memoranda: | ||
| Average total assets | $239,889,333 | 2,828 |
| Average earning assets | $232,600,667 | 2,777 |
| Average equity | $10,644,667 | 3,920 |
| Average total loans | $29,007,000 | 4,338 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8071% | 4,663 |
| Cost of funding earning assets | 0.0383% | 4,669 |
| Net interest margin | 1.7688% | 4,627 |
| Noninterest income to average assets | 0.1784% | 4,102 |
| Noninterest expense to average assets | 1.1834% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7036% | 3,046 |
| Return on assets (ROA) | 0.7036% | 3,038 |
| Pretax return on assets | 0.7036% | 3,384 |
| Return on Equity (ROE) | 12.8462% | 1,075 |
| Retained earnings to average equity (ytd only) | 11.3096% | 724 |
| Net charge-offs to loans | -0.1397% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7306% | 3,298 |
| Assets per employee ($millions) | 12.1891% | 372 |
| Cash dividends to net income (ytd only)* | 11.9617% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,651 |
| Loan loss allowance to noncurrent loans | 352.0000% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,619 |
| Noncurrent loans to loans | 0.3523% | 2,220 |
| Net loans and leases to total assets | 11.4980% | 4,729 |
| Net loans and leases to deposits | 12.0249% | 4,739 |
| Net loans and leases to core deposits | 12.6587% | 4,729 |
| Total domestic deposits to total assets | 95.6186% | 15 |
| Equity capital to assets | 4.1349% | 4,776 |
| Core capital (leverage) ratio | 7.7420% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0026% | 165 |
| Memoranda: | ||
| Average total assets | $237,625,000 | 2,861 |
| Average earning assets | $229,534,500 | 2,812 |
| Average equity | $13,015,500 | 3,753 |
| Average total loans | $28,640,000 | 4,359 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7400% | 4,726 |
| Cost of funding earning assets | 0.0447% | 4,707 |
| Net interest margin | 1.6953% | 4,690 |
| Noninterest income to average assets | 0.4194% | 2,951 |
| Noninterest expense to average assets | 1.4228% | 4,607 |
| Loan and lease loss provision to assets | 0.0182% | 2,705 |
| Net operating income to assets | 0.6163% | 3,838 |
| Return on assets (ROA) | 0.6213% | 3,874 |
| Pretax return on assets | 0.6213% | 4,074 |
| Return on Equity (ROE) | 8.3500% | 3,119 |
| Retained earnings to average equity (ytd only) | 6.3573% | 2,197 |
| Net charge-offs to loans | 0.1733% | 560 |
| Credit loss provision to net charge-offs | 83.3333% | 1,933 |
| Earnings coverage of net charge-offs (x) | 29.0625% | 1,625 |
| Efficiency ratio | 68.2291% | 1,946 |
| Assets per employee ($millions) | 11.5735% | 441 |
| Cash dividends to net income (ytd only)* | 23.8653% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 2,945 |
| Loan loss allowance to noncurrent loans | 333.0097% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 3,684 |
| Noncurrent loans to loans | 0.3564% | 2,306 |
| Net loans and leases to total assets | 12.3364% | 4,769 |
| Net loans and leases to deposits | 13.2857% | 4,777 |
| Net loans and leases to core deposits | 14.0341% | 4,768 |
| Total domestic deposits to total assets | 92.8552% | 59 |
| Equity capital to assets | 6.8912% | 4,737 |
| Core capital (leverage) ratio | 8.2981% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2304% | 174 |
| Memoranda: | ||
| Average total assets | $219,844,800 | 2,906 |
| Average earning assets | $212,412,600 | 2,852 |
| Average equity | $16,359,200 | 3,513 |
| Average total loans | $27,701,400 | 4,418 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7144% | 4,811 |
| Cost of funding earning assets | 0.0463% | 4,790 |
| Net interest margin | 1.6681% | 4,774 |
| Noninterest income to average assets | 0.5003% | 2,623 |
| Noninterest expense to average assets | 1.3411% | 4,717 |
| Loan and lease loss provision to assets | 0.0152% | 2,694 |
| Net operating income to assets | 0.7603% | 3,624 |
| Return on assets (ROA) | 0.7670% | 3,667 |
| Pretax return on assets | 0.7670% | 3,948 |
| Return on Equity (ROE) | 10.1083% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.6018% | 1,835 |
| Net charge-offs to loans | 0.1946% | 434 |
| Credit loss provision to net charge-offs | 62.5000% | 1,792 |
| Earnings coverage of net charge-offs (x) | 31.5500% | 1,498 |
| Efficiency ratio | 62.4274% | 2,628 |
| Assets per employee ($millions) | 11.3068% | 444 |
| Cash dividends to net income (ytd only)* | 14.9038% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 3,233 |
| Loan loss allowance to noncurrent loans | 119.2171% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 3,288 |
| Noncurrent loans to loans | 0.9594% | 1,201 |
| Net loans and leases to total assets | 12.8039% | 4,844 |
| Net loans and leases to deposits | 13.9172% | 4,849 |
| Net loans and leases to core deposits | 14.7294% | 4,840 |
| Total domestic deposits to total assets | 92.0004% | 128 |
| Equity capital to assets | 7.4296% | 4,721 |
| Core capital (leverage) ratio | 8.6470% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.0447% | 166 |
| Memoranda: | ||
| Average total assets | $216,938,750 | 2,959 |
| Average earning assets | $210,210,500 | 2,896 |
| Average equity | $16,461,250 | 3,555 |
| Average total loans | $27,402,250 | 4,486 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7001% | 4,853 |
| Cost of funding earning assets | 0.0483% | 4,830 |
| Net interest margin | 1.6518% | 4,820 |
| Noninterest income to average assets | 0.6761% | 1,904 |
| Noninterest expense to average assets | 1.3859% | 4,729 |
| Loan and lease loss provision to assets | 0.0234% | 2,501 |
| Net operating income to assets | 0.8659% | 3,315 |
| Return on assets (ROA) | 0.8772% | 3,362 |
| Pretax return on assets | 0.8772% | 3,712 |
| Return on Equity (ROE) | 11.4754% | 2,245 |
| Retained earnings to average equity (ytd only) | 10.2520% | 1,326 |
| Net charge-offs to loans | 0.0374% | 1,260 |
| Credit loss provision to net charge-offs | 500.0000% | 677 |
| Earnings coverage of net charge-offs (x) | 190.2000% | 509 |
| Efficiency ratio | 60.0493% | 3,017 |
| Assets per employee ($millions) | 9.6964% | 673 |
| Cash dividends to net income (ytd only)* | 10.6610% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 2,315 |
| Loan loss allowance to noncurrent loans | 80.9628% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 2,869 |
| Noncurrent loans to loans | 1.6358% | 662 |
| Net loans and leases to total assets | 12.9228% | 4,880 |
| Net loans and leases to deposits | 14.0718% | 4,888 |
| Net loans and leases to core deposits | 14.9120% | 4,882 |
| Total domestic deposits to total assets | 91.8348% | 160 |
| Equity capital to assets | 7.5797% | 4,713 |
| Core capital (leverage) ratio | 8.4880% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3128% | 156 |
| Memoranda: | ||
| Average total assets | $213,873,333 | 2,982 |
| Average earning assets | $207,042,667 | 2,921 |
| Average equity | $16,348,000 | 3,572 |
| Average total loans | $26,773,333 | 4,530 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7044% | 4,884 |
| Cost of funding earning assets | 0.0484% | 4,870 |
| Net interest margin | 1.6561% | 4,850 |
| Noninterest income to average assets | 0.8779% | 1,385 |
| Noninterest expense to average assets | 1.4084% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0684% | 2,577 |
| Return on assets (ROA) | 1.0946% | 2,573 |
| Pretax return on assets | 1.0946% | 3,126 |
| Return on Equity (ROE) | 14.2601% | 1,382 |
| Retained earnings to average equity (ytd only) | 14.2601% | 731 |
| Net charge-offs to loans | -0.0153% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0332% | 3,542 |
| Assets per employee ($millions) | 9.8935% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,322 |
| Loan loss allowance to noncurrent loans | 230.0654% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 3,870 |
| Noncurrent loans to loans | 0.5759% | 2,128 |
| Net loans and leases to total assets | 12.0446% | 4,912 |
| Net loans and leases to deposits | 13.0625% | 4,917 |
| Net loans and leases to core deposits | 13.8224% | 4,911 |
| Total domestic deposits to total assets | 92.2070% | 107 |
| Equity capital to assets | 7.4985% | 4,710 |
| Core capital (leverage) ratio | 8.4935% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5984% | 155 |
| Memoranda: | ||
| Average total assets | $214,149,500 | 2,976 |
| Average earning assets | $206,756,500 | 2,919 |
| Average equity | $16,437,500 | 3,564 |
| Average total loans | $26,191,500 | 4,568 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1170% | 4,905 |
| Cost of funding earning assets | 0.0966% | 4,869 |
| Net interest margin | 2.0205% | 4,821 |
| Noninterest income to average assets | 0.2268% | 4,139 |
| Noninterest expense to average assets | 1.5526% | 4,740 |
| Loan and lease loss provision to assets | 0.0184% | 4,154 |
| Net operating income to assets | 0.6085% | 3,726 |
| Return on assets (ROA) | 0.7897% | 3,251 |
| Pretax return on assets | 0.7897% | 3,649 |
| Return on Equity (ROE) | 10.0373% | 1,994 |
| Retained earnings to average equity (ytd only) | 9.3560% | 702 |
| Net charge-offs to loans | 0.1142% | 1,338 |
| Credit loss provision to net charge-offs | 119.3548% | 2,639 |
| Earnings coverage of net charge-offs (x) | 40.7419% | 1,377 |
| Efficiency ratio | 70.2573% | 1,916 |
| Assets per employee ($millions) | 10.0305% | 528 |
| Cash dividends to net income (ytd only)* | 6.7882% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,152 |
| Loan loss allowance to noncurrent loans | 245.4545% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 4,005 |
| Noncurrent loans to loans | 0.5539% | 2,323 |
| Net loans and leases to total assets | 12.0888% | 4,932 |
| Net loans and leases to deposits | 13.1629% | 4,941 |
| Net loans and leases to core deposits | 13.9581% | 4,932 |
| Total domestic deposits to total assets | 91.8401% | 84 |
| Equity capital to assets | 7.8589% | 4,757 |
| Core capital (leverage) ratio | 8.6934% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8403% | 165 |
| Memoranda: | ||
| Average total assets | $201,465,400 | 2,929 |
| Average earning assets | $194,705,200 | 2,872 |
| Average equity | $15,850,800 | 3,573 |
| Average total loans | $27,146,600 | 4,576 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2213% | 4,945 |
| Cost of funding earning assets | 0.1108% | 4,906 |
| Net interest margin | 2.1105% | 4,848 |
| Noninterest income to average assets | 0.2390% | 4,056 |
| Noninterest expense to average assets | 1.5464% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7337% | 3,341 |
| Return on assets (ROA) | 0.9118% | 2,779 |
| Pretax return on assets | 0.9118% | 3,346 |
| Return on Equity (ROE) | 11.5850% | 1,484 |
| Retained earnings to average equity (ytd only) | 10.6664% | 636 |
| Net charge-offs to loans | 0.1601% | 920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 33.2121% | 1,506 |
| Efficiency ratio | 66.8820% | 2,334 |
| Assets per employee ($millions) | 9.3364% | 631 |
| Cash dividends to net income (ytd only)* | 7.9295% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 3,426 |
| Loan loss allowance to noncurrent loans | 209.3960% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 4,053 |
| Noncurrent loans to loans | 0.5046% | 2,537 |
| Net loans and leases to total assets | 14.9012% | 4,959 |
| Net loans and leases to deposits | 16.3516% | 4,965 |
| Net loans and leases to core deposits | 17.4255% | 4,962 |
| Total domestic deposits to total assets | 91.1300% | 147 |
| Equity capital to assets | 8.5227% | 4,447 |
| Core capital (leverage) ratio | 9.0566% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5035% | 180 |
| Memoranda: | ||
| Average total assets | $199,171,500 | 2,928 |
| Average earning assets | $192,615,750 | 2,873 |
| Average equity | $15,675,000 | 3,588 |
| Average total loans | $27,479,500 | 4,593 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3297% | 4,992 |
| Cost of funding earning assets | 0.1271% | 4,928 |
| Net interest margin | 2.2026% | 4,877 |
| Noninterest income to average assets | 0.2587% | 3,925 |
| Noninterest expense to average assets | 1.5584% | 4,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8291% | 2,944 |
| Return on assets (ROA) | 1.0379% | 2,326 |
| Pretax return on assets | 1.0379% | 2,906 |
| Return on Equity (ROE) | 13.5551% | 962 |
| Retained earnings to average equity (ytd only) | 12.1461% | 442 |
| Net charge-offs to loans | 0.0597% | 1,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 103.7500% | 685 |
| Efficiency ratio | 64.3933% | 2,766 |
| Assets per employee ($millions) | 9.6027% | 567 |
| Cash dividends to net income (ytd only)* | 10.3946% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,515 |
| Loan loss allowance to noncurrent loans | 131.0078% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 3,889 |
| Noncurrent loans to loans | 0.9163% | 1,680 |
| Net loans and leases to total assets | 13.7958% | 4,995 |
| Net loans and leases to deposits | 15.0870% | 5,003 |
| Net loans and leases to core deposits | 16.1638% | 4,996 |
| Total domestic deposits to total assets | 91.4414% | 93 |
| Equity capital to assets | 8.2502% | 4,610 |
| Core capital (leverage) ratio | 8.4357% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5328% | 223 |
| Memoranda: | ||
| Average total assets | $200,207,000 | 2,899 |
| Average earning assets | $193,498,667 | 2,847 |
| Average equity | $15,330,000 | 3,622 |
| Average total loans | $26,796,667 | 4,625 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5389% | 5,039 |
| Cost of funding earning assets | 0.1745% | 4,938 |
| Net interest margin | 2.3644% | 4,895 |
| Noninterest income to average assets | 0.1785% | 4,475 |
| Noninterest expense to average assets | 1.5701% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8903% | 2,554 |
| Return on assets (ROA) | 0.9184% | 2,569 |
| Pretax return on assets | 0.9184% | 3,084 |
| Return on Equity (ROE) | 12.4825% | 995 |
| Retained earnings to average equity (ytd only) | 9.5391% | 836 |
| Net charge-offs to loans | -0.0306% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9177% | 3,383 |
| Assets per employee ($millions) | 9.5810% | 433 |
| Cash dividends to net income (ytd only)* | 23.5808% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,828 |
| Loan loss allowance to noncurrent loans | 145.6067% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 3,885 |
| Noncurrent loans to loans | 0.9381% | 1,757 |
| Net loans and leases to total assets | 12.4896% | 5,048 |
| Net loans and leases to deposits | 13.5997% | 5,055 |
| Net loans and leases to core deposits | 14.5466% | 5,047 |
| Total domestic deposits to total assets | 91.8370% | 50 |
| Equity capital to assets | 7.5080% | 5,033 |
| Core capital (leverage) ratio | 8.2580% | 4,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6460% | 239 |
| Memoranda: | ||
| Average total assets | $199,482,500 | 2,875 |
| Average earning assets | $192,522,000 | 2,806 |
| Average equity | $14,676,500 | 3,701 |
| Average total loans | $26,116,000 | 4,672 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7696% | 5,099 |
| Cost of funding earning assets | 0.2325% | 4,894 |
| Net interest margin | 2.5371% | 4,953 |
| Noninterest income to average assets | 0.1832% | 4,568 |
| Noninterest expense to average assets | 1.6099% | 4,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0295% | 2,733 |
| Return on assets (ROA) | 1.0661% | 2,692 |
| Pretax return on assets | 1.0661% | 3,280 |
| Return on Equity (ROE) | 16.2430% | 510 |
| Retained earnings to average equity (ytd only) | 11.8373% | 254 |
| Net charge-offs to loans | 0.1336% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 52.5405% | 1,087 |
| Efficiency ratio | 60.1324% | 3,675 |
| Assets per employee ($millions) | 9.4174% | 428 |
| Cash dividends to net income (ytd only)* | 27.1237% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 1,973 |
| Loan loss allowance to noncurrent loans | 221.1538% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 4,062 |
| Noncurrent loans to loans | 0.5831% | 2,437 |
| Net loans and leases to total assets | 13.3542% | 5,111 |
| Net loans and leases to deposits | 14.4325% | 5,118 |
| Net loans and leases to core deposits | 15.4242% | 5,109 |
| Total domestic deposits to total assets | 92.5290% | 21 |
| Equity capital to assets | 7.2040% | 5,123 |
| Core capital (leverage) ratio | 8.6138% | 4,774 |
| Tier 1 risk-based capital ratio | 32.5175% | 402 |
| Total risk-based capital ratio | 33.2142% | 405 |
| Memoranda: | ||
| Average total assets | $188,827,000 | 2,926 |
| Average earning assets | $182,808,800 | 2,857 |
| Average equity | $12,393,000 | 3,948 |
| Average total loans | $27,696,200 | 4,694 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8661% | 5,175 |
| Cost of funding earning assets | 0.2546% | 4,915 |
| Net interest margin | 2.6115% | 4,994 |
| Noninterest income to average assets | 0.1772% | 4,656 |
| Noninterest expense to average assets | 1.5863% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1197% | 2,495 |
| Return on assets (ROA) | 1.1390% | 2,502 |
| Pretax return on assets | 1.1390% | 3,173 |
| Return on Equity (ROE) | 17.8153% | 408 |
| Retained earnings to average equity (ytd only) | 13.7918% | 214 |
| Net charge-offs to loans | 0.1384% | 1,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 54.0284% | 1,137 |
| Efficiency ratio | 57.7766% | 3,971 |
| Assets per employee ($millions) | 8.6567% | 539 |
| Cash dividends to net income (ytd only)* | 22.5848% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,071 |
| Loan loss allowance to noncurrent loans | 238.5135% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 4,120 |
| Noncurrent loans to loans | 0.5363% | 2,679 |
| Net loans and leases to total assets | 14.9870% | 5,183 |
| Net loans and leases to deposits | 16.2860% | 5,187 |
| Net loans and leases to core deposits | 17.5764% | 5,181 |
| Total domestic deposits to total assets | 92.0238% | 39 |
| Equity capital to assets | 7.6637% | 5,174 |
| Core capital (leverage) ratio | 8.7246% | 4,815 |
| Tier 1 risk-based capital ratio | 28.4689% | 544 |
| Total risk-based capital ratio | 29.1025% | 567 |
| Memoranda: | ||
| Average total assets | $186,592,500 | 2,973 |
| Average earning assets | $180,683,000 | 2,901 |
| Average equity | $11,929,500 | 4,047 |
| Average total loans | $27,931,500 | 4,751 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8913% | 5,230 |
| Cost of funding earning assets | 0.2722% | 4,895 |
| Net interest margin | 2.6190% | 5,061 |
| Noninterest income to average assets | 0.1743% | 4,703 |
| Noninterest expense to average assets | 1.5994% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1106% | 2,486 |
| Return on assets (ROA) | 1.1169% | 2,530 |
| Pretax return on assets | 1.1169% | 3,187 |
| Return on Equity (ROE) | 18.6645% | 343 |
| Retained earnings to average equity (ytd only) | 14.4024% | 205 |
| Net charge-offs to loans | -0.2496% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1961% | 3,986 |
| Assets per employee ($millions) | 8.7630% | 516 |
| Cash dividends to net income (ytd only)* | 22.8354% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 1,102 |
| Loan loss allowance to noncurrent loans | 193.5185% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 3,984 |
| Noncurrent loans to loans | 0.8107% | 1,972 |
| Net loans and leases to total assets | 14.2514% | 5,236 |
| Net loans and leases to deposits | 15.4109% | 5,241 |
| Net loans and leases to core deposits | 16.5772% | 5,234 |
| Total domestic deposits to total assets | 92.4760% | 22 |
| Equity capital to assets | 7.2262% | 5,253 |
| Core capital (leverage) ratio | 8.1429% | 5,125 |
| Tier 1 risk-based capital ratio | 31.8515% | 424 |
| Total risk-based capital ratio | 32.7146% | 428 |
| Memoranda: | ||
| Average total assets | $188,193,000 | 2,969 |
| Average earning assets | $182,203,670 | 2,896 |
| Average equity | $11,262,000 | 4,137 |
| Average total loans | $28,042,670 | 4,788 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9455% | 5,285 |
| Cost of funding earning assets | 0.2672% | 4,936 |
| Net interest margin | 2.6783% | 5,083 |
| Noninterest income to average assets | 0.1598% | 4,778 |
| Noninterest expense to average assets | 1.5914% | 5,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1604% | 2,216 |
| Return on assets (ROA) | 1.1604% | 2,269 |
| Pretax return on assets | 1.1604% | 2,936 |
| Return on Equity (ROE) | 21.5541% | 192 |
| Retained earnings to average equity (ytd only) | 16.8684% | 189 |
| Net charge-offs to loans | -0.0418% | 4,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0665% | 4,209 |
| Assets per employee ($millions) | 9.3820% | 413 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 1,640 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 3,941 |
| Noncurrent loans to loans | 1.0072% | 1,659 |
| Net loans and leases to total assets | 13.6629% | 5,298 |
| Net loans and leases to deposits | 14.4953% | 5,303 |
| Net loans and leases to core deposits | 15.4938% | 5,298 |
| Total domestic deposits to total assets | 94.2570% | 10 |
| Equity capital to assets | 5.5019% | 5,347 |
| Core capital (leverage) ratio | 7.7754% | 5,247 |
| Tier 1 risk-based capital ratio | 30.3862% | 463 |
| Total risk-based capital ratio | 31.1642% | 470 |
| Memoranda: | ||
| Average total assets | $190,277,500 | 2,992 |
| Average earning assets | $184,147,000 | 2,912 |
| Average equity | $10,244,000 | 4,289 |
| Average total loans | $28,742,000 | 4,821 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7651% | 5,300 |
| Cost of funding earning assets | 0.1947% | 5,025 |
| Net interest margin | 2.5703% | 5,173 |
| Noninterest income to average assets | 0.2138% | 4,629 |
| Noninterest expense to average assets | 1.6842% | 5,111 |
| Loan and lease loss provision to assets | 0.0197% | 3,768 |
| Net operating income to assets | 0.9750% | 3,119 |
| Return on assets (ROA) | 0.9750% | 3,119 |
| Pretax return on assets | 0.9750% | 3,687 |
| Return on Equity (ROE) | 18.5683% | 337 |
| Retained earnings to average equity (ytd only) | 13.8832% | 168 |
| Net charge-offs to loans | 0.1471% | 1,301 |
| Credit loss provision to net charge-offs | 81.3953% | 2,846 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,283 |
| Efficiency ratio | 61.9840% | 3,530 |
| Assets per employee ($millions) | 8.3424% | 591 |
| Cash dividends to net income (ytd only)* | 25.2315% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,200 |
| Loan loss allowance to noncurrent loans | 130.2721% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 3,825 |
| Noncurrent loans to loans | 0.9742% | 1,666 |
| Net loans and leases to total assets | 16.2353% | 5,330 |
| Net loans and leases to deposits | 17.1791% | 5,337 |
| Net loans and leases to core deposits | 18.5555% | 5,332 |
| Total domestic deposits to total assets | 94.5061% | 9 |
| Equity capital to assets | 5.2568% | 5,390 |
| Core capital (leverage) ratio | 7.6977% | 5,297 |
| Tier 1 risk-based capital ratio | 28.0263% | 561 |
| Total risk-based capital ratio | 28.7618% | 582 |
| Memoranda: | ||
| Average total assets | $177,235,800 | 3,081 |
| Average earning assets | $169,977,600 | 3,025 |
| Average equity | $9,306,200 | 4,422 |
| Average total loans | $29,225,600 | 4,835 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7077% | 5,374 |
| Cost of funding earning assets | 0.1880% | 5,060 |
| Net interest margin | 2.5197% | 5,270 |
| Noninterest income to average assets | 0.1951% | 4,806 |
| Noninterest expense to average assets | 1.6600% | 5,165 |
| Loan and lease loss provision to assets | 0.0266% | 3,478 |
| Net operating income to assets | 0.9192% | 3,439 |
| Return on assets (ROA) | 0.9192% | 3,442 |
| Pretax return on assets | 0.9192% | 3,950 |
| Return on Equity (ROE) | 17.5108% | 482 |
| Retained earnings to average equity (ytd only) | 13.6935% | 281 |
| Net charge-offs to loans | 0.1932% | 865 |
| Credit loss provision to net charge-offs | 83.3333% | 2,491 |
| Earnings coverage of net charge-offs (x) | 29.6659% | 1,623 |
| Efficiency ratio | 62.7731% | 3,378 |
| Assets per employee ($millions) | 9.3400% | 393 |
| Cash dividends to net income (ytd only)* | 21.8000% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 2,188 |
| Loan loss allowance to noncurrent loans | 103.5040% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 3,957 |
| Noncurrent loans to loans | 1.2383% | 1,359 |
| Net loans and leases to total assets | 15.8330% | 5,405 |
| Net loans and leases to deposits | 16.6374% | 5,412 |
| Net loans and leases to core deposits | 17.8802% | 5,406 |
| Total domestic deposits to total assets | 95.1649% | 4 |
| Equity capital to assets | 4.5723% | 5,469 |
| Core capital (leverage) ratio | 8.2210% | 5,240 |
| Tier 1 risk-based capital ratio | 28.0328% | 569 |
| Total risk-based capital ratio | 28.7889% | 585 |
| Memoranda: | ||
| Average total assets | $175,661,750 | 3,123 |
| Average earning assets | $168,060,750 | 3,071 |
| Average equity | $9,220,750 | 4,472 |
| Average total loans | $28,987,000 | 4,898 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7008% | 5,435 |
| Cost of funding earning assets | 0.1845% | 5,099 |
| Net interest margin | 2.5163% | 5,332 |
| Noninterest income to average assets | 0.1861% | 4,894 |
| Noninterest expense to average assets | 1.7121% | 5,184 |
| Loan and lease loss provision to assets | 0.0407% | 3,098 |
| Net operating income to assets | 0.8282% | 3,761 |
| Return on assets (ROA) | 0.8282% | 3,765 |
| Pretax return on assets | 0.8282% | 4,166 |
| Return on Equity (ROE) | 15.0730% | 831 |
| Retained earnings to average equity (ytd only) | 11.3471% | 611 |
| Net charge-offs to loans | 0.3419% | 470 |
| Credit loss provision to net charge-offs | 71.4286% | 2,331 |
| Earnings coverage of net charge-offs (x) | 15.2449% | 2,054 |
| Efficiency ratio | 65.3898% | 3,087 |
| Assets per employee ($millions) | 8.5298% | 518 |
| Cash dividends to net income (ytd only)* | 24.7191% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,262 |
| Loan loss allowance to noncurrent loans | 739.2157% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,878 |
| Noncurrent loans to loans | 0.1733% | 4,128 |
| Net loans and leases to total assets | 17.0257% | 5,461 |
| Net loans and leases to deposits | 17.9596% | 5,472 |
| Net loans and leases to core deposits | 19.4436% | 5,465 |
| Total domestic deposits to total assets | 94.8000% | 7 |
| Equity capital to assets | 4.9363% | 5,529 |
| Core capital (leverage) ratio | 8.1014% | 5,311 |
| Tier 1 risk-based capital ratio | 27.0577% | 604 |
| Total risk-based capital ratio | 27.7959% | 627 |
| Memoranda: | ||
| Average total assets | $171,949,000 | 3,194 |
| Average earning assets | $163,653,330 | 3,135 |
| Average equity | $9,447,330 | 4,466 |
| Average total loans | $28,662,670 | 4,956 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6597% | 5,494 |
| Cost of funding earning assets | 0.1740% | 5,138 |
| Net interest margin | 2.4856% | 5,403 |
| Noninterest income to average assets | 0.2132% | 4,730 |
| Noninterest expense to average assets | 1.7124% | 5,233 |
| Loan and lease loss provision to assets | 0.0579% | 2,611 |
| Net operating income to assets | 0.7925% | 3,733 |
| Return on assets (ROA) | 0.7925% | 3,738 |
| Pretax return on assets | 0.7925% | 4,167 |
| Return on Equity (ROE) | 13.7343% | 1,073 |
| Retained earnings to average equity (ytd only) | 13.7343% | 428 |
| Net charge-offs to loans | 0.6789% | 223 |
| Credit loss provision to net charge-offs | 52.0833% | 1,933 |
| Earnings coverage of net charge-offs (x) | 7.6458% | 2,069 |
| Efficiency ratio | 65.8228% | 3,198 |
| Assets per employee ($millions) | 7.8421% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 2,223 |
| Loan loss allowance to noncurrent loans | 328.5714% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 4,765 |
| Noncurrent loans to loans | 0.3972% | 3,363 |
| Net loans and leases to total assets | 16.1292% | 5,525 |
| Net loans and leases to deposits | 17.0046% | 5,536 |
| Net loans and leases to core deposits | 18.3913% | 5,531 |
| Total domestic deposits to total assets | 94.8518% | 11 |
| Equity capital to assets | 4.9262% | 5,586 |
| Core capital (leverage) ratio | 7.6989% | 5,471 |
| Tier 1 risk-based capital ratio | 27.8626% | 566 |
| Total risk-based capital ratio | 28.6159% | 584 |
| Memoranda: | ||
| Average total assets | $172,626,000 | 3,218 |
| Average earning assets | $163,177,500 | 3,174 |
| Average equity | $9,960,500 | 4,434 |
| Average total loans | $28,283,000 | 5,013 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4905% | 5,557 |
| Cost of funding earning assets | 0.1107% | 5,454 |
| Net interest margin | 2.3798% | 5,473 |
| Noninterest income to average assets | 0.2210% | 4,828 |
| Noninterest expense to average assets | 1.7857% | 5,248 |
| Loan and lease loss provision to assets | 0.0421% | 3,408 |
| Net operating income to assets | 0.6448% | 3,839 |
| Return on assets (ROA) | 0.6888% | 3,700 |
| Pretax return on assets | 0.6888% | 4,535 |
| Return on Equity (ROE) | 9.8117% | 1,972 |
| Retained earnings to average equity (ytd only) | 3.1133% | 3,433 |
| Net charge-offs to loans | 0.1996% | 1,290 |
| Credit loss provision to net charge-offs | 118.6441% | 2,210 |
| Earnings coverage of net charge-offs (x) | 19.3390% | 2,025 |
| Efficiency ratio | 71.1955% | 2,359 |
| Assets per employee ($millions) | 7.8512% | 676 |
| Cash dividends to net income (ytd only)* | 68.2692% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 1,845 |
| Loan loss allowance to noncurrent loans | 196.4824% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 4,558 |
| Noncurrent loans to loans | 0.7014% | 2,452 |
| Net loans and leases to total assets | 16.1991% | 5,593 |
| Net loans and leases to deposits | 17.3517% | 5,607 |
| Net loans and leases to core deposits | 18.7877% | 5,600 |
| Total domestic deposits to total assets | 93.3571% | 24 |
| Equity capital to assets | 6.6128% | 5,607 |
| Core capital (leverage) ratio | 8.0688% | 5,414 |
| Tier 1 risk-based capital ratio | 26.6474% | 616 |
| Total risk-based capital ratio | 27.4331% | 644 |
| Memoranda: | ||
| Average total assets | $166,097,600 | 3,284 |
| Average earning assets | $157,158,800 | 3,232 |
| Average equity | $11,659,600 | 4,195 |
| Average total loans | $29,558,600 | 5,039 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4880% | 5,620 |
| Cost of funding earning assets | 0.1040% | 5,544 |
| Net interest margin | 2.3840% | 5,535 |
| Noninterest income to average assets | 0.2149% | 4,932 |
| Noninterest expense to average assets | 1.7586% | 5,315 |
| Loan and lease loss provision to assets | 0.0162% | 3,819 |
| Net operating income to assets | 0.7078% | 3,941 |
| Return on assets (ROA) | 0.7670% | 3,716 |
| Pretax return on assets | 0.7670% | 4,435 |
| Return on Equity (ROE) | 10.7629% | 1,792 |
| Retained earnings to average equity (ytd only) | 3.2197% | 4,007 |
| Net charge-offs to loans | 0.0848% | 1,954 |
| Credit loss provision to net charge-offs | 105.2632% | 2,202 |
| Earnings coverage of net charge-offs (x) | 47.0051% | 1,160 |
| Efficiency ratio | 69.7910% | 2,567 |
| Assets per employee ($millions) | 6.9854% | 960 |
| Cash dividends to net income (ytd only)* | 70.0848% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,392 |
| Loan loss allowance to noncurrent loans | 614.5161% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 5,042 |
| Noncurrent loans to loans | 0.2103% | 4,234 |
| Net loans and leases to total assets | 18.1123% | 5,650 |
| Net loans and leases to deposits | 19.6454% | 5,659 |
| Net loans and leases to core deposits | 21.3876% | 5,651 |
| Total domestic deposits to total assets | 92.1961% | 52 |
| Equity capital to assets | 7.7217% | 5,592 |
| Core capital (leverage) ratio | 8.1634% | 5,442 |
| Tier 1 risk-based capital ratio | 26.3255% | 656 |
| Total risk-based capital ratio | 27.0872% | 680 |
| Memoranda: | ||
| Average total assets | $164,440,500 | 3,329 |
| Average earning assets | $156,425,750 | 3,272 |
| Average equity | $11,719,000 | 4,229 |
| Average total loans | $29,855,500 | 5,083 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4339% | 5,677 |
| Cost of funding earning assets | 0.0952% | 5,613 |
| Net interest margin | 2.3387% | 5,594 |
| Noninterest income to average assets | 0.2136% | 4,973 |
| Noninterest expense to average assets | 1.7731% | 5,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6639% | 4,005 |
| Return on assets (ROA) | 0.7302% | 3,770 |
| Pretax return on assets | 0.7302% | 4,474 |
| Return on Equity (ROE) | 10.5309% | 1,819 |
| Retained earnings to average equity (ytd only) | 6.6493% | 1,771 |
| Net charge-offs to loans | -0.0534% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7187% | 2,394 |
| Assets per employee ($millions) | 7.0912% | 891 |
| Cash dividends to net income (ytd only)* | 36.8595% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 2,356 |
| Loan loss allowance to noncurrent loans | 412.7660% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,980 |
| Noncurrent loans to loans | 0.3176% | 3,899 |
| Net loans and leases to total assets | 17.9095% | 5,696 |
| Net loans and leases to deposits | 19.3992% | 5,707 |
| Net loans and leases to core deposits | 20.9367% | 5,700 |
| Total domestic deposits to total assets | 92.3206% | 47 |
| Equity capital to assets | 7.6187% | 5,635 |
| Core capital (leverage) ratio | 8.1452% | 5,462 |
| Tier 1 risk-based capital ratio | 26.4817% | 641 |
| Total risk-based capital ratio | 27.2567% | 656 |
| Memoranda: | ||
| Average total assets | $165,699,330 | 3,332 |
| Average earning assets | $157,524,000 | 3,277 |
| Average equity | $11,490,000 | 4,276 |
| Average total loans | $29,980,330 | 5,117 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4115% | 5,737 |
| Cost of funding earning assets | 0.0832% | 5,707 |
| Net interest margin | 2.3284% | 5,649 |
| Noninterest income to average assets | 0.2132% | 4,991 |
| Noninterest expense to average assets | 1.7940% | 5,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6323% | 4,009 |
| Return on assets (ROA) | 0.7138% | 3,686 |
| Pretax return on assets | 0.7138% | 4,409 |
| Return on Equity (ROE) | 10.8147% | 1,634 |
| Retained earnings to average equity (ytd only) | 6.7864% | 1,938 |
| Net charge-offs to loans | 0.3712% | 494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.4286% | 1,993 |
| Efficiency ratio | 72.8529% | 2,431 |
| Assets per employee ($millions) | 7.2658% | 832 |
| Cash dividends to net income (ytd only)* | 37.2483% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 3,003 |
| Loan loss allowance to noncurrent loans | 586.6667% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 5,168 |
| Noncurrent loans to loans | 0.2081% | 4,369 |
| Net loans and leases to total assets | 17.0405% | 5,771 |
| Net loans and leases to deposits | 18.2879% | 5,778 |
| Net loans and leases to core deposits | 19.6446% | 5,773 |
| Total domestic deposits to total assets | 93.1789% | 32 |
| Equity capital to assets | 6.7744% | 5,777 |
| Core capital (leverage) ratio | 7.6555% | 5,671 |
| Tier 1 risk-based capital ratio | 27.0043% | 626 |
| Total risk-based capital ratio | 27.7305% | 649 |
| Memoranda: | ||
| Average total assets | $167,000,000 | 3,344 |
| Average earning assets | $158,737,000 | 3,287 |
| Average equity | $11,022,000 | 4,384 |
| Average total loans | $30,171,500 | 5,152 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4624% | 5,766 |
| Cost of funding earning assets | 0.0804% | 5,775 |
| Net interest margin | 2.3820% | 5,660 |
| Noninterest income to average assets | 0.2107% | 5,155 |
| Noninterest expense to average assets | 1.7914% | 5,481 |
| Loan and lease loss provision to assets | 0.0801% | 2,760 |
| Net operating income to assets | 0.6037% | 4,192 |
| Return on assets (ROA) | 0.6850% | 3,961 |
| Pretax return on assets | 0.6850% | 4,544 |
| Return on Equity (ROE) | 8.6683% | 2,583 |
| Retained earnings to average equity (ytd only) | 0.1949% | 5,240 |
| Net charge-offs to loans | 0.5328% | 450 |
| Credit loss provision to net charge-offs | 73.4463% | 3,076 |
| Earnings coverage of net charge-offs (x) | 6.2712% | 3,205 |
| Efficiency ratio | 71.3041% | 2,696 |
| Assets per employee ($millions) | 7.2559% | 819 |
| Cash dividends to net income (ytd only)* | 97.7518% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 3,090 |
| Loan loss allowance to noncurrent loans | 336.2832% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 5,059 |
| Noncurrent loans to loans | 0.3586% | 3,844 |
| Net loans and leases to total assets | 18.6558% | 5,816 |
| Net loans and leases to deposits | 19.9454% | 5,830 |
| Net loans and leases to core deposits | 21.1297% | 5,825 |
| Total domestic deposits to total assets | 93.5345% | 29 |
| Equity capital to assets | 6.4253% | 5,839 |
| Core capital (leverage) ratio | 8.0493% | 5,595 |
| Tier 1 risk-based capital ratio | 25.1620% | 757 |
| Total risk-based capital ratio | 25.9059% | 785 |
| Memoranda: | ||
| Average total assets | $162,329,000 | 3,371 |
| Average earning assets | $154,321,400 | 3,319 |
| Average equity | $12,828,400 | 4,118 |
| Average total loans | $33,219,600 | 5,092 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4964% | 5,826 |
| Cost of funding earning assets | 0.0817% | 5,837 |
| Net interest margin | 2.4147% | 5,712 |
| Noninterest income to average assets | 0.2043% | 5,246 |
| Noninterest expense to average assets | 1.7701% | 5,549 |
| Loan and lease loss provision to assets | 0.0951% | 2,322 |
| Net operating income to assets | 0.6361% | 4,142 |
| Return on assets (ROA) | 0.7188% | 3,888 |
| Pretax return on assets | 0.7188% | 4,558 |
| Return on Equity (ROE) | 8.6759% | 2,678 |
| Retained earnings to average equity (ytd only) | 5.1815% | 2,708 |
| Net charge-offs to loans | 0.5310% | 397 |
| Credit loss provision to net charge-offs | 85.8209% | 2,589 |
| Earnings coverage of net charge-offs (x) | 6.5971% | 2,985 |
| Efficiency ratio | 69.7090% | 2,935 |
| Assets per employee ($millions) | 7.1961% | 817 |
| Cash dividends to net income (ytd only)* | 40.2765% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,945 |
| Loan loss allowance to noncurrent loans | 468.9655% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 5,240 |
| Noncurrent loans to loans | 0.2669% | 4,307 |
| Net loans and leases to total assets | 20.3297% | 5,862 |
| Net loans and leases to deposits | 22.3566% | 5,887 |
| Net loans and leases to core deposits | 23.5336% | 5,883 |
| Total domestic deposits to total assets | 90.9339% | 206 |
| Equity capital to assets | 8.9884% | 5,189 |
| Core capital (leverage) ratio | 8.6583% | 5,206 |
| Tier 1 risk-based capital ratio | 25.6274% | 752 |
| Total risk-based capital ratio | 26.4114% | 782 |
| Memoranda: | ||
| Average total assets | $161,189,750 | 3,404 |
| Average earning assets | $153,335,250 | 3,347 |
| Average equity | $13,354,750 | 4,075 |
| Average total loans | $33,646,000 | 5,131 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5085% | 5,901 |
| Cost of funding earning assets | 0.0831% | 5,913 |
| Net interest margin | 2.4255% | 5,789 |
| Noninterest income to average assets | 0.2011% | 5,295 |
| Noninterest expense to average assets | 1.7626% | 5,634 |
| Loan and lease loss provision to assets | 0.1418% | 1,600 |
| Net operating income to assets | 0.6019% | 4,256 |
| Return on assets (ROA) | 0.7179% | 3,866 |
| Pretax return on assets | 0.7179% | 4,567 |
| Return on Equity (ROE) | 8.9107% | 2,537 |
| Retained earnings to average equity (ytd only) | 5.3433% | 2,521 |
| Net charge-offs to loans | 0.7177% | 288 |
| Credit loss provision to net charge-offs | 94.2623% | 2,194 |
| Earnings coverage of net charge-offs (x) | 4.9426% | 2,919 |
| Efficiency ratio | 69.2913% | 3,101 |
| Assets per employee ($millions) | 7.0400% | 861 |
| Cash dividends to net income (ytd only)* | 40.0344% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,966 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 5,562 |
| Noncurrent loans to loans | 0.0604% | 5,204 |
| Net loans and leases to total assets | 21.1059% | 5,927 |
| Net loans and leases to deposits | 23.2013% | 5,951 |
| Net loans and leases to core deposits | 24.4973% | 5,950 |
| Total domestic deposits to total assets | 90.9686% | 195 |
| Equity capital to assets | 8.9656% | 5,262 |
| Core capital (leverage) ratio | 8.1857% | 5,607 |
| Tier 1 risk-based capital ratio | 25.0505% | 804 |
| Total risk-based capital ratio | 25.8501% | 833 |
| Memoranda: | ||
| Average total assets | $162,148,000 | 3,412 |
| Average earning assets | $154,113,330 | 3,347 |
| Average equity | $13,063,000 | 4,145 |
| Average total loans | $33,997,000 | 5,171 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4947% | 5,963 |
| Cost of funding earning assets | 0.0837% | 5,976 |
| Net interest margin | 2.4111% | 5,875 |
| Noninterest income to average assets | 0.1979% | 5,321 |
| Noninterest expense to average assets | 1.7276% | 5,727 |
| Loan and lease loss provision to assets | 0.1327% | 1,591 |
| Net operating income to assets | 0.6322% | 4,051 |
| Return on assets (ROA) | 0.6997% | 3,832 |
| Pretax return on assets | 0.6997% | 4,529 |
| Return on Equity (ROE) | 9.1689% | 2,332 |
| Retained earnings to average equity (ytd only) | 5.5013% | 2,650 |
| Net charge-offs to loans | 0.4994% | 440 |
| Credit loss provision to net charge-offs | 127.9070% | 1,372 |
| Earnings coverage of net charge-offs (x) | 7.3721% | 2,154 |
| Efficiency ratio | 68.2478% | 3,418 |
| Assets per employee ($millions) | 7.7495% | 624 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 2,866 |
| Loan loss allowance to noncurrent loans | 430.3922% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 5,366 |
| Noncurrent loans to loans | 0.3037% | 4,335 |
| Net loans and leases to total assets | 19.4416% | 6,002 |
| Net loans and leases to deposits | 21.0932% | 6,020 |
| Net loans and leases to core deposits | 22.1431% | 6,018 |
| Total domestic deposits to total assets | 92.1702% | 98 |
| Equity capital to assets | 7.7928% | 5,885 |
| Core capital (leverage) ratio | 7.5670% | 5,914 |
| Tier 1 risk-based capital ratio | 24.6911% | 846 |
| Total risk-based capital ratio | 25.5268% | 875 |
| Memoranda: | ||
| Average total assets | $165,781,500 | 3,378 |
| Average earning assets | $157,772,500 | 3,315 |
| Average equity | $12,651,500 | 4,216 |
| Average total loans | $34,441,000 | 5,198 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5266% | 5,988 |
| Cost of funding earning assets | 0.0811% | 6,029 |
| Net interest margin | 2.4455% | 5,864 |
| Noninterest income to average assets | 0.2250% | 5,252 |
| Noninterest expense to average assets | 1.8053% | 5,726 |
| Loan and lease loss provision to assets | 0.0491% | 3,344 |
| Net operating income to assets | 0.7131% | 3,748 |
| Return on assets (ROA) | 0.7311% | 3,764 |
| Pretax return on assets | 0.7311% | 4,427 |
| Return on Equity (ROE) | 9.4560% | 2,241 |
| Retained earnings to average equity (ytd only) | 0.2251% | 5,421 |
| Net charge-offs to loans | 0.1368% | 1,990 |
| Credit loss provision to net charge-offs | 168.0851% | 1,607 |
| Earnings coverage of net charge-offs (x) | 26.0851% | 1,604 |
| Efficiency ratio | 69.2978% | 3,344 |
| Assets per employee ($millions) | 7.3215% | 777 |
| Cash dividends to net income (ytd only)* | 97.6190% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 3,421 |
| Loan loss allowance to noncurrent loans | 271.9745% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 5,226 |
| Noncurrent loans to loans | 0.4448% | 3,876 |
| Net loans and leases to total assets | 21.6486% | 6,032 |
| Net loans and leases to deposits | 23.4032% | 6,056 |
| Net loans and leases to core deposits | 24.6337% | 6,055 |
| Total domestic deposits to total assets | 92.5028% | 71 |
| Equity capital to assets | 7.4606% | 5,993 |
| Core capital (leverage) ratio | 8.0587% | 5,800 |
| Tier 1 risk-based capital ratio | 23.4644% | 959 |
| Total risk-based capital ratio | 24.2480% | 1,002 |
| Memoranda: | ||
| Average total assets | $160,855,800 | 3,417 |
| Average earning assets | $154,077,600 | 3,344 |
| Average equity | $12,436,600 | 4,227 |
| Average total loans | $34,363,400 | 5,210 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5123% | 6,087 |
| Cost of funding earning assets | 0.0820% | 6,113 |
| Net interest margin | 2.4303% | 5,957 |
| Noninterest income to average assets | 0.2206% | 5,333 |
| Noninterest expense to average assets | 1.7512% | 5,847 |
| Loan and lease loss provision to assets | 0.0489% | 3,229 |
| Net operating income to assets | 0.7537% | 3,665 |
| Return on assets (ROA) | 0.7462% | 3,794 |
| Pretax return on assets | 0.7462% | 4,513 |
| Return on Equity (ROE) | 9.5680% | 2,286 |
| Retained earnings to average equity (ytd only) | 5.6983% | 2,444 |
| Net charge-offs to loans | 0.1445% | 1,681 |
| Credit loss provision to net charge-offs | 159.4595% | 1,605 |
| Earnings coverage of net charge-offs (x) | 26.1632% | 1,623 |
| Efficiency ratio | 67.5325% | 3,624 |
| Assets per employee ($millions) | 6.9862% | 880 |
| Cash dividends to net income (ytd only)* | 40.4443% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 3,771 |
| Loan loss allowance to noncurrent loans | 341.8033% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 5,455 |
| Noncurrent loans to loans | 0.3448% | 4,379 |
| Net loans and leases to total assets | 21.7596% | 6,118 |
| Net loans and leases to deposits | 23.7258% | 6,141 |
| Net loans and leases to core deposits | 24.9877% | 6,141 |
| Total domestic deposits to total assets | 91.7129% | 124 |
| Equity capital to assets | 8.2062% | 5,870 |
| Core capital (leverage) ratio | 8.6651% | 5,392 |
| Tier 1 risk-based capital ratio | 24.1527% | 936 |
| Total risk-based capital ratio | 24.9109% | 968 |
| Memoranda: | ||
| Average total assets | $160,801,500 | 3,453 |
| Average earning assets | $154,382,250 | 3,365 |
| Average equity | $12,541,500 | 4,259 |
| Average total loans | $34,130,000 | 5,276 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5343% | 6,147 |
| Cost of funding earning assets | 0.0856% | 6,179 |
| Net interest margin | 2.4487% | 6,004 |
| Noninterest income to average assets | 0.2201% | 5,388 |
| Noninterest expense to average assets | 1.7545% | 5,918 |
| Loan and lease loss provision to assets | 0.0298% | 3,533 |
| Net operating income to assets | 0.7834% | 3,474 |
| Return on assets (ROA) | 0.7722% | 3,630 |
| Pretax return on assets | 0.7722% | 4,415 |
| Return on Equity (ROE) | 10.0757% | 2,036 |
| Retained earnings to average equity (ytd only) | 6.1330% | 2,155 |
| Net charge-offs to loans | 0.0831% | 2,216 |
| Credit loss provision to net charge-offs | 171.4286% | 1,395 |
| Earnings coverage of net charge-offs (x) | 46.7143% | 1,009 |
| Efficiency ratio | 67.3123% | 3,788 |
| Assets per employee ($millions) | 6.3340% | 1,129 |
| Cash dividends to net income (ytd only)* | 39.1304% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 3,591 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 5,616 |
| Noncurrent loans to loans | 0.2745% | 4,687 |
| Net loans and leases to total assets | 22.2250% | 6,189 |
| Net loans and leases to deposits | 24.3054% | 6,213 |
| Net loans and leases to core deposits | 25.7420% | 6,207 |
| Total domestic deposits to total assets | 91.4403% | 191 |
| Equity capital to assets | 8.4890% | 5,693 |
| Core capital (leverage) ratio | 8.4521% | 5,578 |
| Tier 1 risk-based capital ratio | 23.4065% | 1,026 |
| Total risk-based capital ratio | 24.1292% | 1,074 |
| Memoranda: | ||
| Average total assets | $160,841,000 | 3,475 |
| Average earning assets | $154,207,000 | 3,385 |
| Average equity | $12,326,670 | 4,322 |
| Average total loans | $33,713,000 | 5,334 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4638% | 6,235 |
| Cost of funding earning assets | 0.0843% | 6,251 |
| Net interest margin | 2.3795% | 6,109 |
| Noninterest income to average assets | 0.2019% | 5,505 |
| Noninterest expense to average assets | 1.6411% | 6,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8408% | 3,059 |
| Return on assets (ROA) | 0.8004% | 3,385 |
| Pretax return on assets | 0.8004% | 4,239 |
| Return on Equity (ROE) | 10.9536% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.9882% | 2,017 |
| Net charge-offs to loans | -0.0117% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0718% | 4,304 |
| Assets per employee ($millions) | 7.4064% | 708 |
| Cash dividends to net income (ytd only)* | 36.2018% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 3,939 |
| Loan loss allowance to noncurrent loans | 1,277.4194% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 5,875 |
| Noncurrent loans to loans | 0.0945% | 5,416 |
| Net loans and leases to total assets | 19.0306% | 6,278 |
| Net loans and leases to deposits | 20.5797% | 6,302 |
| Net loans and leases to core deposits | 21.6708% | 6,294 |
| Total domestic deposits to total assets | 92.4724% | 96 |
| Equity capital to assets | 7.4888% | 6,182 |
| Core capital (leverage) ratio | 7.6449% | 6,096 |
| Tier 1 risk-based capital ratio | 23.4994% | 1,048 |
| Total risk-based capital ratio | 24.2184% | 1,092 |
| Memoranda: | ||
| Average total assets | $168,420,000 | 3,394 |
| Average earning assets | $161,376,500 | 3,304 |
| Average equity | $12,306,500 | 4,358 |
| Average total loans | $34,178,000 | 5,365 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6715% | 6,273 |
| Cost of funding earning assets | 0.0969% | 6,335 |
| Net interest margin | 2.5746% | 6,097 |
| Noninterest income to average assets | 0.2318% | 5,475 |
| Noninterest expense to average assets | 1.7989% | 6,066 |
| Loan and lease loss provision to assets | 0.0766% | 2,945 |
| Net operating income to assets | 0.8155% | 3,298 |
| Return on assets (ROA) | 0.8155% | 3,386 |
| Pretax return on assets | 0.8155% | 4,204 |
| Return on Equity (ROE) | 11.6877% | 1,496 |
| Retained earnings to average equity (ytd only) | 2.8922% | 4,181 |
| Net charge-offs to loans | 0.1024% | 3,040 |
| Credit loss provision to net charge-offs | 352.9412% | 746 |
| Earnings coverage of net charge-offs (x) | 41.0882% | 1,060 |
| Efficiency ratio | 66.8486% | 4,084 |
| Assets per employee ($millions) | 6.9372% | 880 |
| Cash dividends to net income (ytd only)* | 75.2545% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 4,472 |
| Loan loss allowance to noncurrent loans | 900.0000% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,936 |
| Noncurrent loans to loans | 0.1238% | 5,408 |
| Net loans and leases to total assets | 21.1096% | 6,353 |
| Net loans and leases to deposits | 22.7382% | 6,381 |
| Net loans and leases to core deposits | 23.8368% | 6,374 |
| Total domestic deposits to total assets | 92.8375% | 77 |
| Equity capital to assets | 7.1210% | 6,310 |
| Core capital (leverage) ratio | 7.7650% | 6,109 |
| Tier 1 risk-based capital ratio | 21.9415% | 1,231 |
| Total risk-based capital ratio | 22.6244% | 1,305 |
| Memoranda: | ||
| Average total assets | $156,594,800 | 3,545 |
| Average earning assets | $149,576,600 | 3,449 |
| Average equity | $10,926,000 | 4,579 |
| Average total loans | $33,196,200 | 5,439 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6765% | 6,343 |
| Cost of funding earning assets | 0.0997% | 6,416 |
| Net interest margin | 2.5768% | 6,155 |
| Noninterest income to average assets | 0.2249% | 5,586 |
| Noninterest expense to average assets | 1.7864% | 6,109 |
| Loan and lease loss provision to assets | 0.0173% | 4,071 |
| Net operating income to assets | 0.8815% | 3,013 |
| Return on assets (ROA) | 0.8815% | 3,111 |
| Pretax return on assets | 0.8815% | 4,068 |
| Return on Equity (ROE) | 12.7052% | 1,300 |
| Retained earnings to average equity (ytd only) | 9.2141% | 923 |
| Net charge-offs to loans | 0.0245% | 4,018 |
| Credit loss provision to net charge-offs | 333.3333% | 836 |
| Earnings coverage of net charge-offs (x) | 173.1625% | 360 |
| Efficiency ratio | 66.5271% | 4,131 |
| Assets per employee ($millions) | 6.5861% | 973 |
| Cash dividends to net income (ytd only)* | 27.4777% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 5,626 |
| Loan loss allowance to noncurrent loans | 393.9024% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 5,943 |
| Noncurrent loans to loans | 0.2266% | 5,215 |
| Net loans and leases to total assets | 22.6931% | 6,410 |
| Net loans and leases to deposits | 24.4569% | 6,441 |
| Net loans and leases to core deposits | 25.7052% | 6,436 |
| Total domestic deposits to total assets | 92.7878% | 93 |
| Equity capital to assets | 7.1204% | 6,365 |
| Core capital (leverage) ratio | 8.1609% | 5,962 |
| Tier 1 risk-based capital ratio | 22.3948% | 1,206 |
| Total risk-based capital ratio | 22.9454% | 1,289 |
| Memoranda: | ||
| Average total assets | $154,120,250 | 3,605 |
| Average earning assets | $147,156,250 | 3,521 |
| Average equity | $10,693,500 | 4,647 |
| Average total loans | $32,609,750 | 5,511 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6421% | 6,424 |
| Cost of funding earning assets | 0.1000% | 6,481 |
| Net interest margin | 2.5421% | 6,230 |
| Noninterest income to average assets | 0.2199% | 5,633 |
| Noninterest expense to average assets | 1.7814% | 6,172 |
| Loan and lease loss provision to assets | 0.0131% | 3,998 |
| Net operating income to assets | 0.8534% | 3,056 |
| Return on assets (ROA) | 0.8534% | 3,155 |
| Pretax return on assets | 0.8534% | 4,063 |
| Return on Equity (ROE) | 12.4116% | 1,329 |
| Retained earnings to average equity (ytd only) | 7.4431% | 1,544 |
| Net charge-offs to loans | -0.0318% | 5,706 |
| Credit loss provision to net charge-offs | -200.0000% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2763% | 4,148 |
| Assets per employee ($millions) | 7.0508% | 781 |
| Cash dividends to net income (ytd only)* | 40.0307% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 5,313 |
| Loan loss allowance to noncurrent loans | 464.2857% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 6,064 |
| Noncurrent loans to loans | 0.2168% | 5,362 |
| Net loans and leases to total assets | 19.7080% | 6,514 |
| Net loans and leases to deposits | 21.2008% | 6,543 |
| Net loans and leases to core deposits | 22.2505% | 6,533 |
| Total domestic deposits to total assets | 92.9585% | 84 |
| Equity capital to assets | 6.9687% | 6,448 |
| Core capital (leverage) ratio | 8.1917% | 5,936 |
| Tier 1 risk-based capital ratio | 23.8242% | 1,006 |
| Total risk-based capital ratio | 24.4295% | 1,070 |
| Memoranda: | ||
| Average total assets | $152,805,000 | 3,640 |
| Average earning assets | $145,942,000 | 3,566 |
| Average equity | $10,506,330 | 4,701 |
| Average total loans | $31,415,330 | 5,611 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7201% | 6,447 |
| Cost of funding earning assets | 0.0994% | 6,567 |
| Net interest margin | 2.6207% | 6,207 |
| Noninterest income to average assets | 0.1809% | 5,883 |
| Noninterest expense to average assets | 1.8390% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8344% | 2,983 |
| Return on assets (ROA) | 0.8344% | 3,055 |
| Pretax return on assets | 0.8344% | 3,959 |
| Return on Equity (ROE) | 12.2267% | 1,365 |
| Retained earnings to average equity (ytd only) | 7.7950% | 1,686 |
| Net charge-offs to loans | 0.0775% | 2,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 737 |
| Efficiency ratio | 68.7879% | 4,046 |
| Assets per employee ($millions) | 6.4087% | 1,051 |
| Cash dividends to net income (ytd only)* | 36.2460% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 5,426 |
| Loan loss allowance to noncurrent loans | 378.7500% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 6,119 |
| Noncurrent loans to loans | 0.2707% | 5,293 |
| Net loans and leases to total assets | 19.0172% | 6,592 |
| Net loans and leases to deposits | 20.4528% | 6,617 |
| Net loans and leases to core deposits | 21.4441% | 6,605 |
| Total domestic deposits to total assets | 92.9809% | 118 |
| Equity capital to assets | 6.9717% | 6,454 |
| Core capital (leverage) ratio | 8.3700% | 5,781 |
| Tier 1 risk-based capital ratio | 25.6568% | 816 |
| Total risk-based capital ratio | 26.2739% | 867 |
| Memoranda: | ||
| Average total assets | $148,123,500 | 3,734 |
| Average earning assets | $140,878,500 | 3,654 |
| Average equity | $10,109,000 | 4,793 |
| Average total loans | $30,980,500 | 5,680 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8025% | 6,498 |
| Cost of funding earning assets | 0.1084% | 6,652 |
| Net interest margin | 2.6941% | 6,148 |
| Noninterest income to average assets | 0.2716% | 5,410 |
| Noninterest expense to average assets | 1.9064% | 6,178 |
| Loan and lease loss provision to assets | 0.0411% | 4,294 |
| Net operating income to assets | 0.8795% | 2,883 |
| Return on assets (ROA) | 0.9887% | 2,445 |
| Pretax return on assets | 0.9887% | 3,394 |
| Return on Equity (ROE) | 11.8535% | 1,471 |
| Retained earnings to average equity (ytd only) | 4.2261% | 3,169 |
| Net charge-offs to loans | 0.1982% | 2,882 |
| Credit loss provision to net charge-offs | 96.6667% | 2,586 |
| Earnings coverage of net charge-offs (x) | 21.6333% | 1,482 |
| Efficiency ratio | 67.4360% | 4,299 |
| Assets per employee ($millions) | 6.1930% | 1,147 |
| Cash dividends to net income (ytd only)* | 64.3472% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 5,746 |
| Loan loss allowance to noncurrent loans | 145.0704% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 5,873 |
| Noncurrent loans to loans | 0.6572% | 4,324 |
| Net loans and leases to total assets | 22.5353% | 6,626 |
| Net loans and leases to deposits | 24.1567% | 6,663 |
| Net loans and leases to core deposits | 25.4712% | 6,653 |
| Total domestic deposits to total assets | 93.2877% | 110 |
| Equity capital to assets | 6.6660% | 6,539 |
| Core capital (leverage) ratio | 9.2016% | 4,720 |
| Tier 1 risk-based capital ratio | 23.6023% | 1,005 |
| Total risk-based capital ratio | 24.1905% | 1,080 |
| Memoranda: | ||
| Average total assets | $140,995,800 | 3,859 |
| Average earning assets | $133,737,800 | 3,760 |
| Average equity | $11,760,200 | 4,496 |
| Average total loans | $30,268,200 | 5,751 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7603% | 6,596 |
| Cost of funding earning assets | 0.1108% | 6,746 |
| Net interest margin | 2.6495% | 6,249 |
| Noninterest income to average assets | 0.2655% | 5,548 |
| Noninterest expense to average assets | 1.8620% | 6,239 |
| Loan and lease loss provision to assets | 0.0455% | 4,102 |
| Net operating income to assets | 0.8751% | 2,969 |
| Return on assets (ROA) | 1.0211% | 2,381 |
| Pretax return on assets | 1.0211% | 3,416 |
| Return on Equity (ROE) | 11.6494% | 1,597 |
| Retained earnings to average equity (ytd only) | 9.8322% | 825 |
| Net charge-offs to loans | 0.2197% | 2,503 |
| Credit loss provision to net charge-offs | 97.9592% | 2,436 |
| Earnings coverage of net charge-offs (x) | 19.8168% | 1,618 |
| Efficiency ratio | 66.9165% | 4,321 |
| Assets per employee ($millions) | 5.1671% | 1,968 |
| Cash dividends to net income (ytd only)* | 15.5986% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 5,843 |
| Loan loss allowance to noncurrent loans | 125.5061% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 5,867 |
| Noncurrent loans to loans | 0.7727% | 4,303 |
| Net loans and leases to total assets | 24.5051% | 6,680 |
| Net loans and leases to deposits | 26.8201% | 6,712 |
| Net loans and leases to core deposits | 28.4926% | 6,702 |
| Total domestic deposits to total assets | 91.3684% | 400 |
| Equity capital to assets | 8.5162% | 5,720 |
| Core capital (leverage) ratio | 10.1296% | 3,490 |
| Tier 1 risk-based capital ratio | 24.9183% | 877 |
| Total risk-based capital ratio | 25.5213% | 939 |
| Memoranda: | ||
| Average total assets | $140,635,000 | 3,906 |
| Average earning assets | $133,607,000 | 3,801 |
| Average equity | $12,326,500 | 4,432 |
| Average total loans | $29,733,250 | 5,832 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6561% | 6,679 |
| Cost of funding earning assets | 0.1121% | 6,798 |
| Net interest margin | 2.5441% | 6,395 |
| Noninterest income to average assets | 0.2631% | 5,577 |
| Noninterest expense to average assets | 1.7846% | 6,398 |
| Loan and lease loss provision to assets | 0.0526% | 3,931 |
| Net operating income to assets | 0.8459% | 3,066 |
| Return on assets (ROA) | 0.9581% | 2,672 |
| Pretax return on assets | 0.9581% | 3,686 |
| Return on Equity (ROE) | 10.8393% | 1,865 |
| Retained earnings to average equity (ytd only) | 9.0850% | 1,090 |
| Net charge-offs to loans | 0.2898% | 2,032 |
| Credit loss provision to net charge-offs | 90.4762% | 2,425 |
| Earnings coverage of net charge-offs (x) | 15.4524% | 1,741 |
| Efficiency ratio | 66.5119% | 4,447 |
| Assets per employee ($millions) | 5.1400% | 1,950 |
| Cash dividends to net income (ytd only)* | 16.1850% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 5,671 |
| Loan loss allowance to noncurrent loans | 100.9868% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 5,779 |
| Noncurrent loans to loans | 1.0285% | 3,877 |
| Net loans and leases to total assets | 22.7625% | 6,749 |
| Net loans and leases to deposits | 24.9369% | 6,787 |
| Net loans and leases to core deposits | 26.5677% | 6,769 |
| Total domestic deposits to total assets | 91.2802% | 452 |
| Equity capital to assets | 8.6412% | 5,624 |
| Core capital (leverage) ratio | 8.9497% | 5,075 |
| Tier 1 risk-based capital ratio | 25.1238% | 861 |
| Total risk-based capital ratio | 25.7417% | 922 |
| Memoranda: | ||
| Average total assets | $144,454,330 | 3,862 |
| Average earning assets | $137,417,000 | 3,767 |
| Average equity | $12,768,330 | 4,381 |
| Average total loans | $28,989,330 | 5,894 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4784% | 6,817 |
| Cost of funding earning assets | 0.1158% | 6,873 |
| Net interest margin | 2.3626% | 6,632 |
| Noninterest income to average assets | 0.2231% | 5,886 |
| Noninterest expense to average assets | 1.7188% | 6,537 |
| Loan and lease loss provision to assets | 0.0997% | 3,013 |
| Net operating income to assets | 0.6534% | 3,941 |
| Return on assets (ROA) | 0.8161% | 3,213 |
| Pretax return on assets | 0.8161% | 4,111 |
| Return on Equity (ROE) | 9.1467% | 2,417 |
| Retained earnings to average equity (ytd only) | 7.4997% | 1,939 |
| Net charge-offs to loans | 0.6131% | 994 |
| Credit loss provision to net charge-offs | 86.3636% | 2,078 |
| Earnings coverage of net charge-offs (x) | 6.5227% | 2,203 |
| Efficiency ratio | 69.5329% | 4,051 |
| Assets per employee ($millions) | 6.5932% | 943 |
| Cash dividends to net income (ytd only)* | 18.0064% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,655 |
| Loan loss allowance to noncurrent loans | 100.6601% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 5,999 |
| Noncurrent loans to loans | 1.0811% | 3,988 |
| Net loans and leases to total assets | 17.5199% | 6,892 |
| Net loans and leases to deposits | 19.1488% | 6,914 |
| Net loans and leases to core deposits | 20.3051% | 6,905 |
| Total domestic deposits to total assets | 91.4938% | 358 |
| Equity capital to assets | 8.4607% | 6,054 |
| Core capital (leverage) ratio | 8.0052% | 6,138 |
| Tier 1 risk-based capital ratio | 24.2403% | 988 |
| Total risk-based capital ratio | 24.8485% | 1,056 |
| Memoranda: | ||
| Average total assets | $152,431,000 | 3,766 |
| Average earning assets | $145,095,000 | 3,675 |
| Average equity | $13,600,500 | 4,270 |
| Average total loans | $28,705,500 | 5,947 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7387% | 6,870 |
| Cost of funding earning assets | 0.1538% | 6,908 |
| Net interest margin | 2.5849% | 6,644 |
| Noninterest income to average assets | 0.2369% | 5,755 |
| Noninterest expense to average assets | 1.8778% | 6,521 |
| Loan and lease loss provision to assets | 0.0142% | 5,730 |
| Net operating income to assets | 0.8233% | 3,167 |
| Return on assets (ROA) | 0.9666% | 2,714 |
| Pretax return on assets | 0.9666% | 3,673 |
| Return on Equity (ROE) | 10.8635% | 1,848 |
| Retained earnings to average equity (ytd only) | 3.9373% | 3,430 |
| Net charge-offs to loans | 0.1533% | 4,165 |
| Credit loss provision to net charge-offs | 48.7805% | 4,728 |
| Earnings coverage of net charge-offs (x) | 28.8049% | 1,034 |
| Efficiency ratio | 69.1564% | 3,947 |
| Assets per employee ($millions) | 5.8650% | 1,384 |
| Cash dividends to net income (ytd only)* | 63.7564% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 5,726 |
| Loan loss allowance to noncurrent loans | 85.6749% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 5,928 |
| Noncurrent loans to loans | 1.2354% | 3,780 |
| Net loans and leases to total assets | 19.8275% | 6,927 |
| Net loans and leases to deposits | 21.9612% | 6,953 |
| Net loans and leases to core deposits | 23.4433% | 6,941 |
| Total domestic deposits to total assets | 90.2841% | 810 |
| Equity capital to assets | 9.4206% | 4,973 |
| Core capital (leverage) ratio | 8.3866% | 5,774 |
| Tier 1 risk-based capital ratio | 24.8980% | 864 |
| Total risk-based capital ratio | 25.5486% | 912 |
| Memoranda: | ||
| Average total assets | $141,012,400 | 3,934 |
| Average earning assets | $135,210,000 | 3,806 |
| Average equity | $12,546,600 | 4,456 |
| Average total loans | $26,739,600 | 6,097 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7839% | 6,976 |
| Cost of funding earning assets | 0.1620% | 7,013 |
| Net interest margin | 2.6219% | 6,739 |
| Noninterest income to average assets | 0.2321% | 5,887 |
| Noninterest expense to average assets | 1.8231% | 6,650 |
| Loan and lease loss provision to assets | 0.0191% | 5,562 |
| Net operating income to assets | 0.9092% | 2,936 |
| Return on assets (ROA) | 0.9617% | 2,910 |
| Pretax return on assets | 0.9617% | 3,863 |
| Return on Equity (ROE) | 10.9782% | 1,967 |
| Retained earnings to average equity (ytd only) | 8.0238% | 1,609 |
| Net charge-offs to loans | 0.1176% | 4,202 |
| Credit loss provision to net charge-offs | 86.9565% | 3,394 |
| Earnings coverage of net charge-offs (x) | 42.2553% | 843 |
| Efficiency ratio | 66.2617% | 4,405 |
| Assets per employee ($millions) | 5.6627% | 1,488 |
| Cash dividends to net income (ytd only)* | 26.9114% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 5,311 |
| Loan loss allowance to noncurrent loans | 296.3964% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 6,530 |
| Noncurrent loans to loans | 0.4028% | 5,647 |
| Net loans and leases to total assets | 20.0369% | 7,026 |
| Net loans and leases to deposits | 22.4947% | 7,052 |
| Net loans and leases to core deposits | 24.3636% | 7,047 |
| Total domestic deposits to total assets | 89.0739% | 1,387 |
| Equity capital to assets | 10.8128% | 3,486 |
| Core capital (leverage) ratio | 8.2674% | 6,064 |
| Tier 1 risk-based capital ratio | 26.8554% | 753 |
| Total risk-based capital ratio | 27.5829% | 781 |
| Memoranda: | ||
| Average total assets | $139,609,250 | 3,997 |
| Average earning assets | $134,151,000 | 3,873 |
| Average equity | $12,230,000 | 4,554 |
| Average total loans | $26,078,750 | 6,212 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7021% | 7,076 |
| Cost of funding earning assets | 0.1654% | 7,085 |
| Net interest margin | 2.5367% | 6,859 |
| Noninterest income to average assets | 0.2258% | 5,953 |
| Noninterest expense to average assets | 1.7920% | 6,759 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8733% | 3,028 |
| Return on assets (ROA) | 0.8847% | 3,240 |
| Pretax return on assets | 0.8847% | 4,137 |
| Return on Equity (ROE) | 10.9218% | 2,015 |
| Retained earnings to average equity (ytd only) | 8.1169% | 1,596 |
| Net charge-offs to loans | 0.0391% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 361 |
| Efficiency ratio | 67.2349% | 4,283 |
| Assets per employee ($millions) | 7.9120% | 485 |
| Cash dividends to net income (ytd only)* | 25.6822% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 5,231 |
| Loan loss allowance to noncurrent loans | 102.8302% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 6,310 |
| Noncurrent loans to loans | 1.1928% | 4,162 |
| Net loans and leases to total assets | 15.8493% | 7,133 |
| Net loans and leases to deposits | 17.3224% | 7,154 |
| Net loans and leases to core deposits | 18.4995% | 7,148 |
| Total domestic deposits to total assets | 91.4963% | 314 |
| Equity capital to assets | 8.4302% | 6,276 |
| Core capital (leverage) ratio | 7.4551% | 6,642 |
| Tier 1 risk-based capital ratio | 27.2166% | 707 |
| Total risk-based capital ratio | 27.9695% | 739 |
| Memoranda: | ||
| Average total assets | $140,844,330 | 3,992 |
| Average earning assets | $135,450,670 | 3,859 |
| Average equity | $11,408,330 | 4,732 |
| Average total loans | $25,585,000 | 6,282 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8506% | 7,094 |
| Cost of funding earning assets | 0.1761% | 7,139 |
| Net interest margin | 2.6745% | 6,805 |
| Noninterest income to average assets | 0.2590% | 5,792 |
| Noninterest expense to average assets | 1.9377% | 6,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8799% | 3,019 |
| Return on assets (ROA) | 0.8893% | 3,192 |
| Pretax return on assets | 0.8893% | 4,069 |
| Return on Equity (ROE) | 11.2771% | 1,915 |
| Retained earnings to average equity (ytd only) | 8.1116% | 1,946 |
| Net charge-offs to loans | 0.1118% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 40.2857% | 746 |
| Efficiency ratio | 68.7708% | 4,022 |
| Assets per employee ($millions) | 6.2555% | 1,113 |
| Cash dividends to net income (ytd only)* | 28.0702% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 5,047 |
| Loan loss allowance to noncurrent loans | 85.7520% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 6,228 |
| Noncurrent loans to loans | 1.5095% | 3,855 |
| Net loans and leases to total assets | 17.2244% | 7,174 |
| Net loans and leases to deposits | 18.5318% | 7,203 |
| Net loans and leases to core deposits | 19.9278% | 7,196 |
| Total domestic deposits to total assets | 92.9454% | 146 |
| Equity capital to assets | 7.0053% | 6,936 |
| Core capital (leverage) ratio | 6.6996% | 6,928 |
| Tier 1 risk-based capital ratio | 21.0165% | 1,493 |
| Total risk-based capital ratio | 21.8392% | 1,547 |
| Memoranda: | ||
| Average total assets | $128,190,500 | 4,277 |
| Average earning assets | $122,640,500 | 4,141 |
| Average equity | $10,109,000 | 5,013 |
| Average total loans | $25,047,000 | 6,370 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 6,721 |
| Cost of funding earning assets | 0.2071% | 7,231 |
| Net interest margin | 3.5989% | 4,736 |
| Noninterest income to average assets | 0.4067% | 4,564 |
| Noninterest expense to average assets | 2.6422% | 4,952 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1627% | 1,631 |
| Return on assets (ROA) | 1.1732% | 1,702 |
| Pretax return on assets | 1.1732% | 2,564 |
| Return on Equity (ROE) | 11.2346% | 1,637 |
| Retained earnings to average equity (ytd only) | 4.7261% | 2,834 |
| Net charge-offs to loans | -0.2843% | 7,237 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4422% | 4,068 |
| Assets per employee ($millions) | 5.3573% | 1,768 |
| Cash dividends to net income (ytd only)* | 57.9323% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,763 |
| Loan loss allowance to noncurrent loans | 86.4583% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 6,122 |
| Noncurrent loans to loans | 1.5368% | 3,849 |
| Net loans and leases to total assets | 21.9148% | 7,184 |
| Net loans and leases to deposits | 24.0979% | 7,209 |
| Net loans and leases to core deposits | 26.0011% | 7,199 |
| Total domestic deposits to total assets | 90.9408% | 531 |
| Equity capital to assets | 9.0121% | 5,540 |
| Core capital (leverage) ratio | 7.7741% | 6,465 |
| Tier 1 risk-based capital ratio | 21.8201% | 1,261 |
| Total risk-based capital ratio | 22.7148% | 1,296 |
| Memoranda: | ||
| Average total assets | $95,638,400 | 5,026 |
| Average earning assets | $90,304,400 | 4,930 |
| Average equity | $9,987,000 | 5,024 |
| Average total loans | $25,678,600 | 6,378 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 6,619 |
| Cost of funding earning assets | 0.2184% | 7,313 |
| Net interest margin | 3.7600% | 4,062 |
| Noninterest income to average assets | 0.3631% | 4,965 |
| Noninterest expense to average assets | 2.7112% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1930% | 1,668 |
| Return on assets (ROA) | 1.1930% | 1,786 |
| Pretax return on assets | 1.1930% | 2,660 |
| Return on Equity (ROE) | 10.9623% | 1,876 |
| Retained earnings to average equity (ytd only) | 7.5583% | 1,683 |
| Net charge-offs to loans | -0.4229% | 7,334 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4434% | 4,047 |
| Assets per employee ($millions) | 4.3956% | 3,082 |
| Cash dividends to net income (ytd only)* | 31.0515% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 4,822 |
| Loan loss allowance to noncurrent loans | 78.0320% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 6,001 |
| Noncurrent loans to loans | 1.7153% | 3,740 |
| Net loans and leases to total assets | 24.8620% | 7,212 |
| Net loans and leases to deposits | 27.8353% | 7,246 |
| Net loans and leases to core deposits | 30.1433% | 7,226 |
| Total domestic deposits to total assets | 89.3183% | 1,242 |
| Equity capital to assets | 10.5690% | 3,621 |
| Core capital (leverage) ratio | 8.8100% | 5,245 |
| Tier 1 risk-based capital ratio | 22.3112% | 1,235 |
| Total risk-based capital ratio | 23.2402% | 1,264 |
| Memoranda: | ||
| Average total assets | $91,422,000 | 5,186 |
| Average earning assets | $86,097,500 | 5,087 |
| Average equity | $9,949,000 | 5,046 |
| Average total loans | $25,851,500 | 6,432 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 6,508 |
| Cost of funding earning assets | 0.2342% | 7,376 |
| Net interest margin | 3.8581% | 3,495 |
| Noninterest income to average assets | 0.4150% | 4,551 |
| Noninterest expense to average assets | 2.8346% | 4,295 |
| Loan and lease loss provision to assets | 0.0227% | 6,010 |
| Net operating income to assets | 1.1815% | 1,630 |
| Return on assets (ROA) | 1.1815% | 1,717 |
| Pretax return on assets | 1.1815% | 2,554 |
| Return on Equity (ROE) | 10.7382% | 1,887 |
| Retained earnings to average equity (ytd only) | 7.0695% | 1,849 |
| Net charge-offs to loans | -0.0154% | 6,766 |
| Credit loss provision to net charge-offs | -500.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1853% | 4,079 |
| Assets per employee ($millions) | 3.8221% | 4,145 |
| Cash dividends to net income (ytd only)* | 34.1651% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 6,176 |
| Loan loss allowance to noncurrent loans | 68.7817% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 6,026 |
| Noncurrent loans to loans | 1.5151% | 4,153 |
| Net loans and leases to total assets | 29.2735% | 7,205 |
| Net loans and leases to deposits | 33.0865% | 7,248 |
| Net loans and leases to core deposits | 35.9293% | 7,221 |
| Total domestic deposits to total assets | 88.4756% | 1,870 |
| Equity capital to assets | 11.4243% | 2,575 |
| Core capital (leverage) ratio | 8.9040% | 4,872 |
| Tier 1 risk-based capital ratio | 21.8955% | 1,276 |
| Total risk-based capital ratio | 22.6402% | 1,329 |
| Memoranda: | ||
| Average total assets | $88,196,670 | 5,306 |
| Average earning assets | $82,839,330 | 5,238 |
| Average equity | $9,703,670 | 5,120 |
| Average total loans | $25,976,670 | 6,479 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 6,703 |
| Cost of funding earning assets | 0.2514% | 7,433 |
| Net interest margin | 3.7469% | 3,857 |
| Noninterest income to average assets | 0.4211% | 4,532 |
| Noninterest expense to average assets | 2.8752% | 4,170 |
| Loan and lease loss provision to assets | 0.0453% | 5,433 |
| Net operating income to assets | 1.0097% | 2,154 |
| Return on assets (ROA) | 1.0097% | 2,201 |
| Pretax return on assets | 1.0097% | 3,099 |
| Return on Equity (ROE) | 9.3560% | 2,328 |
| Retained earnings to average equity (ytd only) | 5.0766% | 3,139 |
| Net charge-offs to loans | -0.0154% | 6,490 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1567% | 3,655 |
| Assets per employee ($millions) | 4.0590% | 3,718 |
| Cash dividends to net income (ytd only)* | 45.7399% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 6,156 |
| Loan loss allowance to noncurrent loans | 118.4211% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 6,566 |
| Noncurrent loans to loans | 0.9043% | 5,239 |
| Net loans and leases to total assets | 26.7187% | 7,326 |
| Net loans and leases to deposits | 29.7743% | 7,359 |
| Net loans and leases to core deposits | 32.6689% | 7,342 |
| Total domestic deposits to total assets | 89.7374% | 1,330 |
| Equity capital to assets | 10.1652% | 3,575 |
| Core capital (leverage) ratio | 8.4731% | 5,508 |
| Tier 1 risk-based capital ratio | 21.9018% | 1,246 |
| Total risk-based capital ratio | 22.6652% | 1,302 |
| Memoranda: | ||
| Average total assets | $88,340,500 | 5,345 |
| Average earning assets | $82,735,000 | 5,281 |
| Average equity | $9,534,000 | 5,164 |
| Average total loans | $25,962,500 | 6,526 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 6,437 |
| Cost of funding earning assets | 0.3129% | 7,491 |
| Net interest margin | 4.1710% | 2,293 |
| Noninterest income to average assets | 0.5585% | 3,761 |
| Noninterest expense to average assets | 3.1115% | 3,407 |
| Loan and lease loss provision to assets | 0.2383% | 4,908 |
| Net operating income to assets | 1.1182% | 1,646 |
| Return on assets (ROA) | 1.1182% | 1,730 |
| Pretax return on assets | 1.1182% | 2,512 |
| Return on Equity (ROE) | 9.4613% | 2,127 |
| Retained earnings to average equity (ytd only) | 3.4640% | 3,442 |
| Net charge-offs to loans | 0.5657% | 3,354 |
| Credit loss provision to net charge-offs | 130.0000% | 3,062 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 2,139 |
| Efficiency ratio | 69.6389% | 4,255 |
| Assets per employee ($millions) | 3.6227% | 4,648 |
| Cash dividends to net income (ytd only)* | 63.3880% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 6,492 |
| Loan loss allowance to noncurrent loans | 108.8235% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 6,533 |
| Noncurrent loans to loans | 0.8910% | 5,277 |
| Net loans and leases to total assets | 31.7463% | 7,299 |
| Net loans and leases to deposits | 35.9100% | 7,347 |
| Net loans and leases to core deposits | 40.5134% | 7,294 |
| Total domestic deposits to total assets | 88.4054% | 2,013 |
| Equity capital to assets | 11.4950% | 2,265 |
| Core capital (leverage) ratio | 9.5861% | 3,581 |
| Tier 1 risk-based capital ratio | 20.8755% | 1,332 |
| Total risk-based capital ratio | 21.5846% | 1,409 |
| Memoranda: | ||
| Average total assets | $81,825,200 | 5,537 |
| Average earning assets | $76,696,600 | 5,455 |
| Average equity | $9,671,000 | 5,220 |
| Average total loans | $26,514,600 | 6,585 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 6,626 |
| Cost of funding earning assets | 0.3221% | 7,621 |
| Net interest margin | 4.1685% | 2,339 |
| Noninterest income to average assets | 0.5533% | 3,766 |
| Noninterest expense to average assets | 3.1020% | 3,326 |
| Loan and lease loss provision to assets | 0.2701% | 4,426 |
| Net operating income to assets | 1.1000% | 1,884 |
| Return on assets (ROA) | 1.1000% | 1,992 |
| Pretax return on assets | 1.1000% | 2,823 |
| Return on Equity (ROE) | 9.2424% | 2,413 |
| Retained earnings to average equity (ytd only) | 5.9416% | 2,392 |
| Net charge-offs to loans | 0.7456% | 2,562 |
| Credit loss provision to net charge-offs | 111.4865% | 3,797 |
| Earnings coverage of net charge-offs (x) | 5.6553% | 2,703 |
| Efficiency ratio | 69.3631% | 4,195 |
| Assets per employee ($millions) | 3.4590% | 5,081 |
| Cash dividends to net income (ytd only)* | 35.7140% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 6,867 |
| Loan loss allowance to noncurrent loans | 118.4615% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 6,753 |
| Noncurrent loans to loans | 0.7250% | 5,759 |
| Net loans and leases to total assets | 33.5177% | 7,364 |
| Net loans and leases to deposits | 38.5347% | 7,407 |
| Net loans and leases to core deposits | 44.0673% | 7,320 |
| Total domestic deposits to total assets | 86.9806% | 2,545 |
| Equity capital to assets | 12.8648% | 1,648 |
| Core capital (leverage) ratio | 9.8514% | 3,430 |
| Tier 1 risk-based capital ratio | 21.4874% | 1,287 |
| Total risk-based capital ratio | 22.1301% | 1,356 |
| Memoranda: | ||
| Average total assets | $81,450,750 | 5,620 |
| Average earning assets | $76,572,750 | 5,529 |
| Average equity | $9,694,250 | 5,288 |
| Average total loans | $26,465,500 | 6,681 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 6,850 |
| Cost of funding earning assets | 0.3269% | 7,700 |
| Net interest margin | 4.0961% | 2,577 |
| Noninterest income to average assets | 0.5629% | 3,605 |
| Noninterest expense to average assets | 3.0238% | 3,623 |
| Loan and lease loss provision to assets | 0.1096% | 5,811 |
| Net operating income to assets | 1.2768% | 1,370 |
| Return on assets (ROA) | 1.2768% | 1,426 |
| Pretax return on assets | 1.2768% | 2,165 |
| Return on Equity (ROE) | 11.0153% | 1,750 |
| Retained earnings to average equity (ytd only) | 7.6519% | 1,577 |
| Net charge-offs to loans | 0.5015% | 3,032 |
| Credit loss provision to net charge-offs | 68.1818% | 5,013 |
| Earnings coverage of net charge-offs (x) | 8.6212% | 2,116 |
| Efficiency ratio | 68.5635% | 4,466 |
| Assets per employee ($millions) | 3.5259% | 4,856 |
| Cash dividends to net income (ytd only)* | 30.5344% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 7,224 |
| Loan loss allowance to noncurrent loans | 102.6596% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 6,816 |
| Noncurrent loans to loans | 0.6917% | 5,864 |
| Net loans and leases to total assets | 33.2758% | 7,441 |
| Net loans and leases to deposits | 37.9605% | 7,495 |
| Net loans and leases to core deposits | 44.1068% | 7,398 |
| Total domestic deposits to total assets | 87.6589% | 2,177 |
| Equity capital to assets | 12.2104% | 1,971 |
| Core capital (leverage) ratio | 9.2580% | 4,196 |
| Tier 1 risk-based capital ratio | 20.8197% | 1,372 |
| Total risk-based capital ratio | 21.3446% | 1,472 |
| Memoranda: | ||
| Average total assets | $82,081,670 | 5,625 |
| Average earning assets | $77,097,000 | 5,545 |
| Average equity | $9,514,000 | 5,337 |
| Average total loans | $26,321,670 | 6,727 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 7,110 |
| Cost of funding earning assets | 0.3252% | 7,809 |
| Net interest margin | 3.9906% | 2,911 |
| Noninterest income to average assets | 0.5619% | 3,547 |
| Noninterest expense to average assets | 3.0905% | 3,309 |
| Loan and lease loss provision to assets | 0.2180% | 4,321 |
| Net operating income to assets | 0.9979% | 2,195 |
| Return on assets (ROA) | 0.9979% | 2,265 |
| Pretax return on assets | 0.9979% | 3,102 |
| Return on Equity (ROE) | 8.8412% | 2,552 |
| Retained earnings to average equity (ytd only) | 5.4077% | 2,930 |
| Net charge-offs to loans | 0.9423% | 1,712 |
| Credit loss provision to net charge-offs | 73.7705% | 4,016 |
| Earnings coverage of net charge-offs (x) | 4.1148% | 2,703 |
| Efficiency ratio | 71.7660% | 3,971 |
| Assets per employee ($millions) | 3.6684% | 4,653 |
| Cash dividends to net income (ytd only)* | 38.8350% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 7,163 |
| Loan loss allowance to noncurrent loans | 114.3678% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 6,947 |
| Noncurrent loans to loans | 0.6855% | 5,962 |
| Net loans and leases to total assets | 29.8484% | 7,627 |
| Net loans and leases to deposits | 33.6464% | 7,667 |
| Net loans and leases to core deposits | 38.8384% | 7,606 |
| Total domestic deposits to total assets | 88.7120% | 1,668 |
| Equity capital to assets | 11.2015% | 2,592 |
| Core capital (leverage) ratio | 8.7568% | 4,928 |
| Tier 1 risk-based capital ratio | 21.4482% | 1,277 |
| Total risk-based capital ratio | 22.0237% | 1,351 |
| Memoranda: | ||
| Average total assets | $82,575,000 | 5,679 |
| Average earning assets | $77,482,500 | 5,587 |
| Average equity | $9,320,000 | 5,447 |
| Average total loans | $25,893,500 | 6,829 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 6,801 |
| Cost of funding earning assets | 0.4274% | 7,865 |
| Net interest margin | 4.4356% | 1,331 |
| Noninterest income to average assets | 0.5815% | 3,770 |
| Noninterest expense to average assets | 3.0332% | 4,016 |
| Loan and lease loss provision to assets | 0.4346% | 4,221 |
| Net operating income to assets | 1.2613% | 1,111 |
| Return on assets (ROA) | 1.2875% | 1,108 |
| Pretax return on assets | 1.2875% | 1,729 |
| Return on Equity (ROE) | 11.3365% | 1,342 |
| Retained earnings to average equity (ytd only) | 4.2539% | 2,246 |
| Net charge-offs to loans | 1.3793% | 1,819 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 3.9026% | 3,147 |
| Efficiency ratio | 64.1390% | 5,753 |
| Assets per employee ($millions) | 3.5120% | 4,981 |
| Cash dividends to net income (ytd only)* | 62.4758% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 7,087 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 6,517 |
| Noncurrent loans to loans | 1.1400% | 5,054 |
| Net loans and leases to total assets | 32.4214% | 7,647 |
| Net loans and leases to deposits | 36.6290% | 7,710 |
| Net loans and leases to core deposits | 45.7354% | 7,670 |
| Total domestic deposits to total assets | 88.5128% | 1,719 |
| Equity capital to assets | 11.3758% | 2,417 |
| Core capital (leverage) ratio | 9.4720% | 3,750 |
| Tier 1 risk-based capital ratio | 20.6024% | 1,359 |
| Total risk-based capital ratio | 21.2100% | 1,432 |
| Memoranda: | ||
| Average total assets | $80,312,000 | 5,720 |
| Average earning assets | $75,097,600 | 5,635 |
| Average equity | $9,121,000 | 5,572 |
| Average total loans | $25,302,000 | 6,892 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 6,912 |
| Cost of funding earning assets | 0.4459% | 7,961 |
| Net interest margin | 4.4414% | 1,337 |
| Noninterest income to average assets | 0.5653% | 3,969 |
| Noninterest expense to average assets | 2.9760% | 4,143 |
| Loan and lease loss provision to assets | 0.0216% | 7,140 |
| Net operating income to assets | 1.7241% | 533 |
| Return on assets (ROA) | 1.7374% | 552 |
| Pretax return on assets | 1.7374% | 903 |
| Return on Equity (ROE) | 15.3043% | 733 |
| Retained earnings to average equity (ytd only) | 11.4672% | 418 |
| Net charge-offs to loans | 0.1492% | 5,215 |
| Credit loss provision to net charge-offs | 46.4286% | 6,361 |
| Earnings coverage of net charge-offs (x) | 37.5025% | 787 |
| Efficiency ratio | 63.0282% | 5,917 |
| Assets per employee ($millions) | 3.3301% | 5,307 |
| Cash dividends to net income (ytd only)* | 25.0714% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7571% | 7,240 |
| Loan loss allowance to noncurrent loans | 64.3087% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 6,439 |
| Noncurrent loans to loans | 1.1773% | 4,975 |
| Net loans and leases to total assets | 34.2290% | 7,684 |
| Net loans and leases to deposits | 39.3536% | 7,752 |
| Net loans and leases to core deposits | 50.0048% | 7,686 |
| Total domestic deposits to total assets | 86.9779% | 2,194 |
| Equity capital to assets | 12.6630% | 1,853 |
| Core capital (leverage) ratio | 9.9035% | 3,393 |
| Tier 1 risk-based capital ratio | 21.8018% | 1,243 |
| Total risk-based capital ratio | 22.3691% | 1,335 |
| Memoranda: | ||
| Average total assets | $80,195,750 | 5,758 |
| Average earning assets | $75,049,500 | 5,670 |
| Average equity | $9,104,000 | 5,631 |
| Average total loans | $25,026,500 | 6,973 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8285% | 7,178 |
| Cost of funding earning assets | 0.4684% | 8,049 |
| Net interest margin | 4.3602% | 1,500 |
| Noninterest income to average assets | 0.5307% | 4,178 |
| Noninterest expense to average assets | 2.9166% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6856% | 580 |
| Return on assets (ROA) | 1.6856% | 638 |
| Pretax return on assets | 1.6856% | 1,041 |
| Return on Equity (ROE) | 15.4059% | 769 |
| Retained earnings to average equity (ytd only) | 11.3186% | 516 |
| Net charge-offs to loans | 0.1140% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 692 |
| Efficiency ratio | 63.3743% | 6,028 |
| Assets per employee ($millions) | 3.4365% | 4,987 |
| Cash dividends to net income (ytd only)* | 26.5306% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 7,104 |
| Loan loss allowance to noncurrent loans | 76.7176% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 6,634 |
| Noncurrent loans to loans | 1.0614% | 5,088 |
| Net loans and leases to total assets | 30.9758% | 7,870 |
| Net loans and leases to deposits | 34.9942% | 7,918 |
| Net loans and leases to core deposits | 41.3341% | 7,915 |
| Total domestic deposits to total assets | 88.5171% | 1,520 |
| Equity capital to assets | 11.1717% | 2,775 |
| Core capital (leverage) ratio | 9.1784% | 4,336 |
| Tier 1 risk-based capital ratio | 21.6124% | 1,316 |
| Total risk-based capital ratio | 22.1989% | 1,378 |
| Memoranda: | ||
| Average total assets | $81,396,670 | 5,743 |
| Average earning assets | $76,006,330 | 5,669 |
| Average equity | $8,905,670 | 5,716 |
| Average total loans | $24,563,000 | 7,053 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 7,417 |
| Cost of funding earning assets | 0.5158% | 8,094 |
| Net interest margin | 4.2514% | 1,742 |
| Noninterest income to average assets | 0.4892% | 4,414 |
| Noninterest expense to average assets | 2.6836% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7584% | 575 |
| Return on assets (ROA) | 1.7584% | 630 |
| Pretax return on assets | 1.7584% | 1,062 |
| Return on Equity (ROE) | 16.2353% | 786 |
| Retained earnings to average equity (ytd only) | 11.6733% | 854 |
| Net charge-offs to loans | 0.4081% | 2,472 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 14.5200% | 1,663 |
| Efficiency ratio | 60.4144% | 6,336 |
| Assets per employee ($millions) | 3.6910% | 4,358 |
| Cash dividends to net income (ytd only)* | 28.0992% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 7,099 |
| Loan loss allowance to noncurrent loans | 62.0915% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 6,427 |
| Noncurrent loans to loans | 1.3145% | 4,348 |
| Net loans and leases to total assets | 27.1963% | 7,976 |
| Net loans and leases to deposits | 30.5324% | 8,028 |
| Net loans and leases to core deposits | 35.3611% | 8,034 |
| Total domestic deposits to total assets | 89.0734% | 1,197 |
| Equity capital to assets | 10.7569% | 3,230 |
| Core capital (leverage) ratio | 8.0614% | 6,366 |
| Tier 1 risk-based capital ratio | 21.0182% | 1,447 |
| Total risk-based capital ratio | 21.5757% | 1,525 |
| Memoranda: | ||
| Average total assets | $82,575,500 | 5,718 |
| Average earning assets | $76,774,000 | 5,664 |
| Average equity | $8,943,500 | 5,719 |
| Average total loans | $24,502,500 | 7,099 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 7,726 |
| Cost of funding earning assets | 0.8433% | 8,111 |
| Net interest margin | 4.3058% | 1,953 |
| Noninterest income to average assets | 0.5189% | 4,478 |
| Noninterest expense to average assets | 2.7890% | 4,868 |
| Loan and lease loss provision to assets | 0.0548% | 6,728 |
| Net operating income to assets | 1.6389% | 773 |
| Return on assets (ROA) | 1.6389% | 735 |
| Pretax return on assets | 1.6389% | 1,288 |
| Return on Equity (ROE) | 15.6753% | 819 |
| Retained earnings to average equity (ytd only) | 5.1465% | 1,936 |
| Net charge-offs to loans | 0.2680% | 3,616 |
| Credit loss provision to net charge-offs | 65.5738% | 6,150 |
| Earnings coverage of net charge-offs (x) | 20.2787% | 1,583 |
| Efficiency ratio | 62.2175% | 5,910 |
| Assets per employee ($millions) | 3.4894% | 4,701 |
| Cash dividends to net income (ytd only)* | 67.1679% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 6,955 |
| Loan loss allowance to noncurrent loans | 390.9091% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 7,257 |
| Noncurrent loans to loans | 0.2138% | 6,750 |
| Net loans and leases to total assets | 31.7879% | 7,953 |
| Net loans and leases to deposits | 35.7616% | 8,031 |
| Net loans and leases to core deposits | 42.2825% | 8,021 |
| Total domestic deposits to total assets | 88.8882% | 1,089 |
| Equity capital to assets | 10.9087% | 3,113 |
| Core capital (leverage) ratio | 10.2582% | 3,211 |
| Tier 1 risk-based capital ratio | 18.5349% | 1,908 |
| Total risk-based capital ratio | 19.1120% | 2,009 |
| Memoranda: | ||
| Average total assets | $73,036,600 | 5,934 |
| Average earning assets | $67,235,200 | 5,920 |
| Average equity | $7,636,200 | 6,232 |
| Average total loans | $22,761,800 | 7,149 |