Home > The First National Bank of Winnsboro > Performance and Condition Ratios
The First National Bank of Winnsboro, 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 | 6.5493% | 584 |
| Cost of funding earning assets | 1.3754% | 3,451 |
| Net interest margin | 5.1739% | 226 |
| Noninterest income to average assets | 0.6200% | 1,271 |
| Noninterest expense to average assets | 2.7079% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.0729% | 409 |
| Return on assets (ROA) | 2.0770% | 413 |
| Pretax return on assets | 2.5209% | 309 |
| Return on Equity (ROE) | 10.8900% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.8903% | 985 |
| Net charge-offs to loans | 0.0364% | 1,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 112.1111% | 644 |
| Efficiency ratio | 51.8377% | 3,769 |
| Assets per employee ($millions) | 5.5738% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 1,504 |
| Loan loss allowance to noncurrent loans | 298.6425% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 2,181 |
| Noncurrent loans to loans | 0.4508% | 1,999 |
| Net loans and leases to total assets | 59.8400% | 2,893 |
| Net loans and leases to deposits | 78.6654% | 2,178 |
| Net loans and leases to core deposits | 91.5195% | 1,947 |
| Total domestic deposits to total assets | 76.0700% | 3,973 |
| Equity capital to assets | 19.1574% | 303 |
| Core capital (leverage) ratio | 20.8380% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $160,422,000 | 3,291 |
| Average earning assets | $142,793,500 | 3,321 |
| Average equity | $30,596,000 | 2,399 |
| Average total loans | $98,930,500 | 3,225 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6254% | 605 |
| Cost of funding earning assets | 1.4638% | 3,421 |
| Net interest margin | 5.1616% | 270 |
| Noninterest income to average assets | 2.1300% | 238 |
| Noninterest expense to average assets | 5.4395% | 201 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 1.0893% | 1,785 |
| Return on assets (ROA) | 1.0818% | 1,810 |
| Pretax return on assets | 1.0489% | 2,392 |
| Return on Equity (ROE) | 5.2000% | 3,464 |
| Retained earnings to average equity (ytd only) | 1.5358% | 3,522 |
| Net charge-offs to loans | 0.3897% | 384 |
| Credit loss provision to net charge-offs | 52.6316% | 2,322 |
| Earnings coverage of net charge-offs (x) | 5.0026% | 2,614 |
| Efficiency ratio | 82.1670% | 910 |
| Assets per employee ($millions) | 4.9751% | 3,661 |
| Cash dividends to net income (ytd only)* | 70.4363% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 1,536 |
| Loan loss allowance to noncurrent loans | 306.9284% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 2,160 |
| Noncurrent loans to loans | 0.4338% | 1,980 |
| Net loans and leases to total assets | 61.8600% | 2,774 |
| Net loans and leases to deposits | 84.9404% | 1,690 |
| Net loans and leases to core deposits | 99.5140% | 1,474 |
| Total domestic deposits to total assets | 72.8300% | 4,121 |
| Equity capital to assets | 18.9857% | 308 |
| Core capital (leverage) ratio | 20.2705% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $161,026,000 | 3,273 |
| Average earning assets | $140,112,600 | 3,341 |
| Average equity | $33,532,000 | 2,235 |
| Average total loans | $97,519,600 | 3,231 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5812% | 621 |
| Cost of funding earning assets | 1.4752% | 3,408 |
| Net interest margin | 5.1060% | 295 |
| Noninterest income to average assets | 2.6200% | 202 |
| Noninterest expense to average assets | 2.8783% | 1,302 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 3.5761% | 101 |
| Return on assets (ROA) | 3.5768% | 104 |
| Pretax return on assets | 3.9995% | 107 |
| Return on Equity (ROE) | 16.8100% | 712 |
| Retained earnings to average equity (ytd only) | 14.0360% | 292 |
| Net charge-offs to loans | 0.5130% | 263 |
| Credit loss provision to net charge-offs | 53.6193% | 2,033 |
| Earnings coverage of net charge-offs (x) | 13.5201% | 1,986 |
| Efficiency ratio | 40.8723% | 4,320 |
| Assets per employee ($millions) | 5.4045% | 3,353 |
| Cash dividends to net income (ytd only)* | 16.5051% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,442 |
| Loan loss allowance to noncurrent loans | 275.8264% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 2,019 |
| Noncurrent loans to loans | 0.4966% | 1,836 |
| Net loans and leases to total assets | 59.2900% | 2,984 |
| Net loans and leases to deposits | 81.0211% | 2,086 |
| Net loans and leases to core deposits | 94.8741% | 1,829 |
| Total domestic deposits to total assets | 73.1800% | 4,106 |
| Equity capital to assets | 22.1253% | 226 |
| Core capital (leverage) ratio | 22.9014% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $161,481,500 | 3,268 |
| Average earning assets | $139,728,500 | 3,351 |
| Average equity | $34,358,500 | 2,200 |
| Average total loans | $96,946,000 | 3,241 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5309% | 610 |
| Cost of funding earning assets | 1.5004% | 3,288 |
| Net interest margin | 5.0305% | 320 |
| Noninterest income to average assets | 3.3900% | 168 |
| Noninterest expense to average assets | 2.9244% | 1,207 |
| Loan and lease loss provision to assets | 0.2500% | 416 |
| Net operating income to assets | 4.1967% | 88 |
| Return on assets (ROA) | 4.1944% | 90 |
| Pretax return on assets | 4.5664% | 99 |
| Return on Equity (ROE) | 19.9800% | 455 |
| Retained earnings to average equity (ytd only) | 19.9801% | 129 |
| Net charge-offs to loans | 0.7151% | 182 |
| Credit loss provision to net charge-offs | 57.8035% | 1,778 |
| Earnings coverage of net charge-offs (x) | 11.2254% | 1,940 |
| Efficiency ratio | 37.7764% | 4,399 |
| Assets per employee ($millions) | 5.5103% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,240 |
| Loan loss allowance to noncurrent loans | 279.0984% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 914 |
| Noncurrent loans to loans | 0.5169% | 1,716 |
| Net loans and leases to total assets | 58.2300% | 3,107 |
| Net loans and leases to deposits | 80.1002% | 2,203 |
| Net loans and leases to core deposits | 90.2578% | 2,132 |
| Total domestic deposits to total assets | 72.7000% | 4,147 |
| Equity capital to assets | 22.0178% | 231 |
| Core capital (leverage) ratio | 22.7944% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $161,263,333 | 3,274 |
| Average earning assets | $139,428,667 | 3,364 |
| Average equity | $33,853,667 | 2,187 |
| Average total loans | $96,771,667 | 3,246 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5243% | 553 |
| Cost of funding earning assets | 1.5648% | 3,048 |
| Net interest margin | 4.9595% | 348 |
| Noninterest income to average assets | 5.6300% | 124 |
| Noninterest expense to average assets | 2.8890% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 6.6692% | 57 |
| Return on assets (ROA) | 6.6668% | 58 |
| Pretax return on assets | 7.0347% | 65 |
| Return on Equity (ROE) | 32.5400% | 114 |
| Retained earnings to average equity (ytd only) | 32.5414% | 53 |
| Net charge-offs to loans | 0.0082% | 1,787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1,425.0000% | 58 |
| Efficiency ratio | 29.1045% | 4,471 |
| Assets per employee ($millions) | 5.6275% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 898 |
| Loan loss allowance to noncurrent loans | 173.3026% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9461% | 628 |
| Noncurrent loans to loans | 0.9096% | 958 |
| Net loans and leases to total assets | 57.6200% | 3,071 |
| Net loans and leases to deposits | 79.4939% | 2,105 |
| Net loans and leases to core deposits | 88.8758% | 2,114 |
| Total domestic deposits to total assets | 72.4800% | 4,208 |
| Equity capital to assets | 21.1033% | 250 |
| Core capital (leverage) ratio | 22.0487% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $161,996,000 | 3,280 |
| Average earning assets | $140,336,000 | 3,365 |
| Average equity | $33,188,500 | 2,216 |
| Average total loans | $97,949,500 | 3,242 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1434% | 534 |
| Cost of funding earning assets | 0.8919% | 3,532 |
| Net interest margin | 5.2515% | 251 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 3.2473% | 781 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.7458% | 669 |
| Return on assets (ROA) | 1.7429% | 643 |
| Pretax return on assets | 1.9187% | 757 |
| Return on Equity (ROE) | 9.3500% | 2,678 |
| Retained earnings to average equity (ytd only) | 5.2609% | 2,502 |
| Net charge-offs to loans | 0.4214% | 243 |
| Credit loss provision to net charge-offs | 59.6659% | 2,151 |
| Earnings coverage of net charge-offs (x) | 7.9809% | 2,373 |
| Efficiency ratio | 60.9893% | 2,974 |
| Assets per employee ($millions) | 5.5447% | 3,210 |
| Cash dividends to net income (ytd only)* | 43.7277% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 1,045 |
| Loan loss allowance to noncurrent loans | 96.1735% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.9752% | 514 |
| Noncurrent loans to loans | 1.5623% | 427 |
| Net loans and leases to total assets | 61.4800% | 2,717 |
| Net loans and leases to deposits | 86.0743% | 1,609 |
| Net loans and leases to core deposits | 93.9831% | 1,778 |
| Total domestic deposits to total assets | 71.4300% | 4,246 |
| Equity capital to assets | 19.8619% | 286 |
| Core capital (leverage) ratio | 20.5466% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $160,993,800 | 3,269 |
| Average earning assets | $139,028,200 | 3,355 |
| Average equity | $30,013,800 | 2,258 |
| Average total loans | $99,420,600 | 3,181 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9870% | 540 |
| Cost of funding earning assets | 0.7214% | 3,718 |
| Net interest margin | 5.2656% | 235 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 3.0004% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0016% | 498 |
| Return on assets (ROA) | 1.9961% | 493 |
| Pretax return on assets | 2.4092% | 423 |
| Return on Equity (ROE) | 10.8800% | 2,408 |
| Retained earnings to average equity (ytd only) | 8.5778% | 1,799 |
| Net charge-offs to loans | 0.0565% | 1,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 69.4762% | 1,118 |
| Efficiency ratio | 55.3959% | 3,454 |
| Assets per employee ($millions) | 5.7769% | 2,949 |
| Cash dividends to net income (ytd only)* | 21.1945% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 843 |
| Loan loss allowance to noncurrent loans | 84.1049% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 373 |
| Noncurrent loans to loans | 1.9342% | 325 |
| Net loans and leases to total assets | 61.1200% | 2,740 |
| Net loans and leases to deposits | 79.2028% | 2,122 |
| Net loans and leases to core deposits | 85.5575% | 2,213 |
| Total domestic deposits to total assets | 77.1800% | 3,911 |
| Equity capital to assets | 18.0979% | 339 |
| Core capital (leverage) ratio | 20.7212% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $161,043,500 | 3,282 |
| Average earning assets | $138,987,500 | 3,365 |
| Average equity | $29,533,000 | 2,270 |
| Average total loans | $99,184,250 | 3,188 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7964% | 558 |
| Cost of funding earning assets | 0.6415% | 3,654 |
| Net interest margin | 5.1549% | 254 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.9850% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0093% | 460 |
| Return on assets (ROA) | 2.0061% | 458 |
| Pretax return on assets | 2.4016% | 401 |
| Return on Equity (ROE) | 10.8900% | 2,450 |
| Retained earnings to average equity (ytd only) | 10.8915% | 1,210 |
| Net charge-offs to loans | 0.0911% | 716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 42.9778% | 1,368 |
| Efficiency ratio | 55.3761% | 3,491 |
| Assets per employee ($millions) | 5.5626% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 884 |
| Loan loss allowance to noncurrent loans | 107.7939% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 516 |
| Noncurrent loans to loans | 1.5100% | 436 |
| Net loans and leases to total assets | 61.1400% | 2,653 |
| Net loans and leases to deposits | 78.1750% | 2,115 |
| Net loans and leases to core deposits | 84.8950% | 2,148 |
| Total domestic deposits to total assets | 78.2100% | 3,825 |
| Equity capital to assets | 18.9305% | 307 |
| Core capital (leverage) ratio | 20.5033% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $160,806,667 | 3,286 |
| Average earning assets | $138,742,000 | 3,378 |
| Average equity | $29,619,333 | 2,278 |
| Average total loans | $98,743,333 | 3,187 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4701% | 651 |
| Cost of funding earning assets | 0.5456% | 3,551 |
| Net interest margin | 4.9246% | 321 |
| Noninterest income to average assets | 1.1800% | 450 |
| Noninterest expense to average assets | 2.7530% | 1,545 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2889% | 329 |
| Return on assets (ROA) | 2.2846% | 328 |
| Pretax return on assets | 2.6683% | 298 |
| Return on Equity (ROE) | 12.5800% | 2,085 |
| Retained earnings to average equity (ytd only) | 12.5789% | 1,167 |
| Net charge-offs to loans | 0.1796% | 405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 24.3864% | 1,389 |
| Efficiency ratio | 50.7346% | 3,877 |
| Assets per employee ($millions) | 5.5759% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 859 |
| Loan loss allowance to noncurrent loans | 110.9375% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 485 |
| Noncurrent loans to loans | 1.5145% | 430 |
| Net loans and leases to total assets | 59.1000% | 2,762 |
| Net loans and leases to deposits | 73.9776% | 2,297 |
| Net loans and leases to core deposits | 79.3395% | 2,299 |
| Total domestic deposits to total assets | 79.8900% | 3,773 |
| Equity capital to assets | 18.4457% | 289 |
| Core capital (leverage) ratio | 20.1790% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $160,552,000 | 3,331 |
| Average earning assets | $138,571,000 | 3,424 |
| Average equity | $29,160,000 | 2,324 |
| Average total loans | $97,983,500 | 3,233 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 628 |
| Cost of funding earning assets | 0.1757% | 3,947 |
| Net interest margin | 4.4090% | 345 |
| Noninterest income to average assets | 0.9900% | 658 |
| Noninterest expense to average assets | 3.0219% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5162% | 847 |
| Return on assets (ROA) | 1.5003% | 844 |
| Pretax return on assets | 1.7048% | 910 |
| Return on Equity (ROE) | 8.1700% | 3,341 |
| Retained earnings to average equity (ytd only) | 5.3638% | 2,889 |
| Net charge-offs to loans | 0.0523% | 1,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 57.8696% | 1,280 |
| Efficiency ratio | 63.6884% | 2,538 |
| Assets per employee ($millions) | 5.6929% | 3,037 |
| Cash dividends to net income (ytd only)* | 34.3831% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 805 |
| Loan loss allowance to noncurrent loans | 113.6949% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 475 |
| Noncurrent loans to loans | 1.4933% | 436 |
| Net loans and leases to total assets | 60.9100% | 2,561 |
| Net loans and leases to deposits | 75.9112% | 2,109 |
| Net loans and leases to core deposits | 79.4695% | 2,163 |
| Total domestic deposits to total assets | 80.2400% | 3,839 |
| Equity capital to assets | 17.8749% | 298 |
| Core capital (leverage) ratio | 19.7910% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $154,503,400 | 3,399 |
| Average earning assets | $131,482,400 | 3,513 |
| Average equity | $28,357,000 | 2,412 |
| Average total loans | $87,944,200 | 3,309 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 717 |
| Cost of funding earning assets | 0.1241% | 4,092 |
| Net interest margin | 4.1855% | 436 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 3.0262% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1001% | 2,097 |
| Return on assets (ROA) | 1.0847% | 2,126 |
| Pretax return on assets | 1.2856% | 2,093 |
| Return on Equity (ROE) | 5.8700% | 3,824 |
| Retained earnings to average equity (ytd only) | 4.4250% | 3,317 |
| Net charge-offs to loans | 0.0344% | 1,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 68.1364% | 1,114 |
| Efficiency ratio | 69.8875% | 1,775 |
| Assets per employee ($millions) | 5.6995% | 3,036 |
| Cash dividends to net income (ytd only)* | 24.6191% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 782 |
| Loan loss allowance to noncurrent loans | 113.4000% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 486 |
| Noncurrent loans to loans | 1.5555% | 442 |
| Net loans and leases to total assets | 59.3600% | 2,573 |
| Net loans and leases to deposits | 72.7600% | 2,151 |
| Net loans and leases to core deposits | 74.1275% | 2,334 |
| Total domestic deposits to total assets | 81.5800% | 3,894 |
| Equity capital to assets | 16.4945% | 349 |
| Core capital (leverage) ratio | 19.4668% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $153,278,750 | 3,435 |
| Average earning assets | $130,032,250 | 3,548 |
| Average equity | $28,323,000 | 2,443 |
| Average total loans | $85,237,250 | 3,352 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 820 |
| Cost of funding earning assets | 0.1095% | 4,087 |
| Net interest margin | 3.9613% | 536 |
| Noninterest income to average assets | 0.7356% | 1,215 |
| Noninterest expense to average assets | 3.1209% | 711 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8488% | 2,784 |
| Return on assets (ROA) | 0.8348% | 2,809 |
| Pretax return on assets | 0.9486% | 2,905 |
| Return on Equity (ROE) | 4.3533% | 3,949 |
| Retained earnings to average equity (ytd only) | 4.3533% | 2,948 |
| Net charge-offs to loans | 0.0196% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 91.1250% | 862 |
| Efficiency ratio | 76.3925% | 1,235 |
| Assets per employee ($millions) | 5.2680% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0051% | 546 |
| Loan loss allowance to noncurrent loans | 114.4096% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9812% | 486 |
| Noncurrent loans to loans | 1.7526% | 382 |
| Net loans and leases to total assets | 54.8628% | 2,874 |
| Net loans and leases to deposits | 68.5429% | 2,344 |
| Net loans and leases to core deposits | 69.3374% | 2,540 |
| Total domestic deposits to total assets | 80.0415% | 4,224 |
| Equity capital to assets | 18.0472% | 225 |
| Core capital (leverage) ratio | 20.0315% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,176,000 | 3,488 |
| Average earning assets | $127,835,667 | 3,621 |
| Average equity | $28,989,667 | 2,463 |
| Average total loans | $81,505,333 | 3,431 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 998 |
| Cost of funding earning assets | 0.1136% | 3,964 |
| Net interest margin | 3.7366% | 702 |
| Noninterest income to average assets | 0.7049% | 1,303 |
| Noninterest expense to average assets | 3.0164% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7321% | 2,918 |
| Return on assets (ROA) | 0.7182% | 2,980 |
| Pretax return on assets | 0.8219% | 3,038 |
| Return on Equity (ROE) | 3.6365% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.6365% | 3,059 |
| Net charge-offs to loans | 0.0101% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 157.5000% | 516 |
| Efficiency ratio | 78.2609% | 1,289 |
| Assets per employee ($millions) | 5.3525% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1785% | 451 |
| Loan loss allowance to noncurrent loans | 114.5043% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 503 |
| Noncurrent loans to loans | 1.9025% | 391 |
| Net loans and leases to total assets | 51.5637% | 3,023 |
| Net loans and leases to deposits | 65.4524% | 2,385 |
| Net loans and leases to core deposits | 66.2378% | 2,615 |
| Total domestic deposits to total assets | 78.7804% | 4,360 |
| Equity capital to assets | 19.3226% | 181 |
| Core capital (leverage) ratio | 19.9678% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,378,000 | 3,513 |
| Average earning assets | $126,746,000 | 3,650 |
| Average equity | $29,699,000 | 2,501 |
| Average total loans | $79,493,000 | 3,466 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 1,174 |
| Cost of funding earning assets | 0.1673% | 3,802 |
| Net interest margin | 3.9232% | 817 |
| Noninterest income to average assets | 0.7865% | 1,484 |
| Noninterest expense to average assets | 3.2384% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7549% | 3,472 |
| Return on assets (ROA) | 0.7479% | 3,559 |
| Pretax return on assets | 0.8682% | 3,570 |
| Return on Equity (ROE) | 3.6937% | 4,264 |
| Retained earnings to average equity (ytd only) | 1.3046% | 4,172 |
| Net charge-offs to loans | -0.0690% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7028% | 891 |
| Assets per employee ($millions) | 5.3736% | 3,389 |
| Cash dividends to net income (ytd only)* | 64.6793% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1541% | 484 |
| Loan loss allowance to noncurrent loans | 112.0286% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.0222% | 534 |
| Noncurrent loans to loans | 1.9228% | 412 |
| Net loans and leases to total assets | 52.0165% | 3,063 |
| Net loans and leases to deposits | 66.7890% | 2,431 |
| Net loans and leases to core deposits | 67.7663% | 2,672 |
| Total domestic deposits to total assets | 77.8818% | 4,405 |
| Equity capital to assets | 19.8797% | 183 |
| Core capital (leverage) ratio | 19.1192% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,005,600 | 3,502 |
| Average earning assets | $125,560,000 | 3,623 |
| Average equity | $29,970,000 | 2,538 |
| Average total loans | $81,207,400 | 3,454 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 1,308 |
| Cost of funding earning assets | 0.1801% | 3,822 |
| Net interest margin | 3.9161% | 907 |
| Noninterest income to average assets | 0.7454% | 1,686 |
| Noninterest expense to average assets | 3.1371% | 778 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7970% | 3,528 |
| Return on assets (ROA) | 0.7915% | 3,613 |
| Pretax return on assets | 0.9254% | 3,640 |
| Return on Equity (ROE) | 3.8908% | 4,318 |
| Retained earnings to average equity (ytd only) | 2.5257% | 4,046 |
| Net charge-offs to loans | -0.0932% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1009% | 949 |
| Assets per employee ($millions) | 5.3852% | 3,314 |
| Cash dividends to net income (ytd only)* | 35.0857% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1615% | 484 |
| Loan loss allowance to noncurrent loans | 113.0406% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 648 |
| Noncurrent loans to loans | 1.9121% | 474 |
| Net loans and leases to total assets | 51.7837% | 3,213 |
| Net loans and leases to deposits | 66.3218% | 2,601 |
| Net loans and leases to core deposits | 67.2865% | 2,835 |
| Total domestic deposits to total assets | 78.0794% | 4,419 |
| Equity capital to assets | 19.9595% | 191 |
| Core capital (leverage) ratio | 19.5617% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,392,000 | 3,539 |
| Average earning assets | $125,086,500 | 3,663 |
| Average equity | $29,984,750 | 2,568 |
| Average total loans | $81,512,500 | 3,500 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 1,313 |
| Cost of funding earning assets | 0.1960% | 3,794 |
| Net interest margin | 3.9256% | 924 |
| Noninterest income to average assets | 0.7247% | 1,733 |
| Noninterest expense to average assets | 3.2763% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6759% | 3,816 |
| Return on assets (ROA) | 0.6700% | 3,894 |
| Pretax return on assets | 0.7835% | 3,903 |
| Return on Equity (ROE) | 3.2724% | 4,434 |
| Retained earnings to average equity (ytd only) | 3.2724% | 3,752 |
| Net charge-offs to loans | -0.1462% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5649% | 750 |
| Assets per employee ($millions) | 5.1900% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1324% | 481 |
| Loan loss allowance to noncurrent loans | 105.8211% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 689 |
| Noncurrent loans to loans | 2.0151% | 485 |
| Net loans and leases to total assets | 52.6626% | 3,283 |
| Net loans and leases to deposits | 67.5441% | 2,663 |
| Net loans and leases to core deposits | 68.6831% | 2,897 |
| Total domestic deposits to total assets | 77.9677% | 4,435 |
| Equity capital to assets | 20.1062% | 181 |
| Core capital (leverage) ratio | 19.6521% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,261,000 | 3,558 |
| Average earning assets | $124,516,333 | 3,684 |
| Average equity | $29,947,667 | 2,560 |
| Average total loans | $82,081,000 | 3,515 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 1,275 |
| Cost of funding earning assets | 0.2142% | 3,789 |
| Net interest margin | 3.9424% | 922 |
| Noninterest income to average assets | 0.7437% | 1,734 |
| Noninterest expense to average assets | 3.1526% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8080% | 3,397 |
| Return on assets (ROA) | 0.8103% | 3,462 |
| Pretax return on assets | 0.9658% | 3,467 |
| Return on Equity (ROE) | 3.9207% | 4,297 |
| Retained earnings to average equity (ytd only) | 3.9207% | 3,527 |
| Net charge-offs to loans | -0.0387% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6015% | 1,077 |
| Assets per employee ($millions) | 5.2347% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0622% | 532 |
| Loan loss allowance to noncurrent loans | 102.0706% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.1203% | 696 |
| Noncurrent loans to loans | 2.0204% | 532 |
| Net loans and leases to total assets | 54.3047% | 3,214 |
| Net loans and leases to deposits | 69.9521% | 2,512 |
| Net loans and leases to core deposits | 71.1674% | 2,770 |
| Total domestic deposits to total assets | 77.6313% | 4,465 |
| Equity capital to assets | 20.3642% | 172 |
| Core capital (leverage) ratio | 20.5176% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,136,000 | 3,586 |
| Average earning assets | $123,275,000 | 3,704 |
| Average equity | $29,790,500 | 2,560 |
| Average total loans | $82,626,500 | 3,515 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 770 |
| Cost of funding earning assets | 0.3986% | 3,589 |
| Net interest margin | 4.3732% | 431 |
| Noninterest income to average assets | 0.7105% | 1,831 |
| Noninterest expense to average assets | 3.3815% | 807 |
| Loan and lease loss provision to assets | 0.4207% | 710 |
| Net operating income to assets | 0.5353% | 3,954 |
| Return on assets (ROA) | 0.5372% | 4,041 |
| Pretax return on assets | 0.6034% | 4,074 |
| Return on Equity (ROE) | 2.5492% | 4,472 |
| Retained earnings to average equity (ytd only) | 0.8054% | 4,289 |
| Net charge-offs to loans | -0.0106% | 4,270 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7924% | 1,141 |
| Assets per employee ($millions) | 5.2408% | 3,105 |
| Cash dividends to net income (ytd only)* | 68.4070% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9849% | 610 |
| Loan loss allowance to noncurrent loans | 175.4737% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.5314% | 471 |
| Noncurrent loans to loans | 1.1312% | 1,254 |
| Net loans and leases to total assets | 58.1727% | 3,069 |
| Net loans and leases to deposits | 75.6405% | 2,314 |
| Net loans and leases to core deposits | 78.4812% | 2,515 |
| Total domestic deposits to total assets | 76.9069% | 4,423 |
| Equity capital to assets | 20.7822% | 170 |
| Core capital (leverage) ratio | 20.5692% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,052,600 | 3,525 |
| Average earning assets | $117,419,600 | 3,655 |
| Average equity | $29,303,200 | 2,518 |
| Average total loans | $84,909,200 | 3,483 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 827 |
| Cost of funding earning assets | 0.4262% | 3,662 |
| Net interest margin | 4.4129% | 461 |
| Noninterest income to average assets | 0.7233% | 1,724 |
| Noninterest expense to average assets | 3.2398% | 1,000 |
| Loan and lease loss provision to assets | 0.1011% | 3,054 |
| Net operating income to assets | 0.9214% | 2,618 |
| Return on assets (ROA) | 0.9197% | 2,757 |
| Pretax return on assets | 1.0998% | 2,746 |
| Return on Equity (ROE) | 4.3491% | 4,083 |
| Retained earnings to average equity (ytd only) | 2.9510% | 3,542 |
| Net charge-offs to loans | -0.0141% | 4,314 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9243% | 1,534 |
| Assets per employee ($millions) | 4.8657% | 3,412 |
| Cash dividends to net income (ytd only)* | 32.1466% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 1,605 |
| Loan loss allowance to noncurrent loans | 93.4748% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.7037% | 458 |
| Noncurrent loans to loans | 1.5298% | 927 |
| Net loans and leases to total assets | 58.0819% | 3,407 |
| Net loans and leases to deposits | 75.6969% | 2,782 |
| Net loans and leases to core deposits | 79.6294% | 2,872 |
| Total domestic deposits to total assets | 76.7296% | 4,360 |
| Equity capital to assets | 21.0530% | 174 |
| Core capital (leverage) ratio | 20.8553% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,440,500 | 3,523 |
| Average earning assets | $116,684,250 | 3,654 |
| Average equity | $29,277,250 | 2,513 |
| Average total loans | $85,141,000 | 3,498 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 926 |
| Cost of funding earning assets | 0.4636% | 3,726 |
| Net interest margin | 4.4681% | 539 |
| Noninterest income to average assets | 0.7779% | 1,496 |
| Noninterest expense to average assets | 3.2104% | 1,143 |
| Loan and lease loss provision to assets | 0.1527% | 2,478 |
| Net operating income to assets | 1.0006% | 2,328 |
| Return on assets (ROA) | 0.9858% | 2,512 |
| Pretax return on assets | 1.1530% | 2,535 |
| Return on Equity (ROE) | 4.6544% | 3,935 |
| Retained earnings to average equity (ytd only) | 4.6544% | 2,635 |
| Net charge-offs to loans | 0.0839% | 1,409 |
| Credit loss provision to net charge-offs | 291.6667% | 1,643 |
| Earnings coverage of net charge-offs (x) | 25.2778% | 1,557 |
| Efficiency ratio | 70.8146% | 1,845 |
| Assets per employee ($millions) | 4.9261% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 1,705 |
| Loan loss allowance to noncurrent loans | 57.7273% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 268 |
| Noncurrent loans to loans | 2.3683% | 516 |
| Net loans and leases to total assets | 57.7224% | 3,541 |
| Net loans and leases to deposits | 74.9523% | 2,976 |
| Net loans and leases to core deposits | 80.3518% | 2,917 |
| Total domestic deposits to total assets | 77.0121% | 4,316 |
| Equity capital to assets | 20.8095% | 183 |
| Core capital (leverage) ratio | 20.9393% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,552,000 | 3,509 |
| Average earning assets | $115,620,000 | 3,654 |
| Average equity | $29,134,000 | 2,513 |
| Average total loans | $85,806,000 | 3,486 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 564 |
| Cost of funding earning assets | 0.4971% | 3,960 |
| Net interest margin | 4.7899% | 280 |
| Noninterest income to average assets | 0.7146% | 1,591 |
| Noninterest expense to average assets | 3.4070% | 1,057 |
| Loan and lease loss provision to assets | 0.3113% | 995 |
| Net operating income to assets | 0.8498% | 2,712 |
| Return on assets (ROA) | 0.8095% | 2,960 |
| Pretax return on assets | 0.9489% | 3,003 |
| Return on Equity (ROE) | 3.7868% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.7868% | 2,767 |
| Net charge-offs to loans | 0.0782% | 1,241 |
| Credit loss provision to net charge-offs | 617.6471% | 780 |
| Earnings coverage of net charge-offs (x) | 25.9412% | 1,269 |
| Efficiency ratio | 72.2642% | 2,046 |
| Assets per employee ($millions) | 4.6374% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 1,856 |
| Loan loss allowance to noncurrent loans | 138.9952% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.6046% | 637 |
| Noncurrent loans to loans | 0.9792% | 1,683 |
| Net loans and leases to total assets | 62.6181% | 3,234 |
| Net loans and leases to deposits | 82.0836% | 2,445 |
| Net loans and leases to core deposits | 90.3456% | 2,310 |
| Total domestic deposits to total assets | 76.2858% | 4,447 |
| Equity capital to assets | 21.4715% | 190 |
| Core capital (leverage) ratio | 21.0041% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,899,000 | 3,521 |
| Average earning assets | $112,653,500 | 3,672 |
| Average equity | $28,837,000 | 2,526 |
| Average total loans | $86,907,000 | 3,461 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5032% | 559 |
| Cost of funding earning assets | 0.5595% | 3,827 |
| Net interest margin | 4.9437% | 297 |
| Noninterest income to average assets | 0.9583% | 1,062 |
| Noninterest expense to average assets | 2.9786% | 2,069 |
| Loan and lease loss provision to assets | 0.0730% | 2,539 |
| Net operating income to assets | 1.8156% | 509 |
| Return on assets (ROA) | 1.8225% | 525 |
| Pretax return on assets | 2.1261% | 447 |
| Return on Equity (ROE) | 9.1998% | 2,659 |
| Retained earnings to average equity (ytd only) | 5.4344% | 2,201 |
| Net charge-offs to loans | 0.0114% | 3,281 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 300.2000% | 284 |
| Efficiency ratio | 57.6168% | 4,020 |
| Assets per employee ($millions) | 5.0116% | 2,580 |
| Cash dividends to net income (ytd only)* | 40.9291% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,348 |
| Loan loss allowance to noncurrent loans | 568.2540% | 882 |
| Noncurrent assets plus other real estate owned to assets | 1.1167% | 1,084 |
| Noncurrent loans to loans | 0.2137% | 3,693 |
| Net loans and leases to total assets | 64.5659% | 3,129 |
| Net loans and leases to deposits | 84.9129% | 2,220 |
| Net loans and leases to core deposits | 92.9851% | 2,163 |
| Total domestic deposits to total assets | 76.0378% | 4,595 |
| Equity capital to assets | 21.2825% | 196 |
| Core capital (leverage) ratio | 21.2041% | 192 |
| Tier 1 risk-based capital ratio | 29.2610% | 504 |
| Total risk-based capital ratio | 30.3617% | 500 |
| Memoranda: | ||
| Average total assets | $137,011,200 | 3,480 |
| Average earning assets | $116,714,800 | 3,607 |
| Average equity | $27,141,800 | 2,549 |
| Average total loans | $87,778,200 | 3,452 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5222% | 565 |
| Cost of funding earning assets | 0.5605% | 3,868 |
| Net interest margin | 4.9617% | 315 |
| Noninterest income to average assets | 1.0448% | 849 |
| Noninterest expense to average assets | 3.1704% | 1,527 |
| Loan and lease loss provision to assets | 0.0970% | 1,967 |
| Net operating income to assets | 1.6473% | 830 |
| Return on assets (ROA) | 1.6473% | 878 |
| Pretax return on assets | 2.0023% | 681 |
| Return on Equity (ROE) | 8.4704% | 3,127 |
| Retained earnings to average equity (ytd only) | 6.4301% | 2,153 |
| Net charge-offs to loans | 0.0061% | 3,168 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 541.3246% | 183 |
| Efficiency ratio | 60.1620% | 3,611 |
| Assets per employee ($millions) | 4.5469% | 3,126 |
| Cash dividends to net income (ytd only)* | 24.0872% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,320 |
| Loan loss allowance to noncurrent loans | 800.0000% | 685 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 1,236 |
| Noncurrent loans to loans | 0.1542% | 3,988 |
| Net loans and leases to total assets | 63.4092% | 3,347 |
| Net loans and leases to deposits | 84.3136% | 2,420 |
| Net loans and leases to core deposits | 91.1250% | 2,451 |
| Total domestic deposits to total assets | 75.2064% | 4,727 |
| Equity capital to assets | 20.2931% | 244 |
| Core capital (leverage) ratio | 20.5672% | 226 |
| Tier 1 risk-based capital ratio | 29.9769% | 482 |
| Total risk-based capital ratio | 31.1158% | 480 |
| Memoranda: | ||
| Average total assets | $137,435,750 | 3,502 |
| Average earning assets | $117,027,750 | 3,634 |
| Average equity | $26,727,750 | 2,596 |
| Average total loans | $87,612,750 | 3,499 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4695% | 598 |
| Cost of funding earning assets | 0.5642% | 3,814 |
| Net interest margin | 4.9054% | 346 |
| Noninterest income to average assets | 1.0669% | 751 |
| Noninterest expense to average assets | 3.1950% | 1,518 |
| Loan and lease loss provision to assets | 0.1452% | 1,273 |
| Net operating income to assets | 1.5750% | 960 |
| Return on assets (ROA) | 1.5750% | 998 |
| Pretax return on assets | 1.9045% | 830 |
| Return on Equity (ROE) | 8.2166% | 3,192 |
| Retained earnings to average equity (ytd only) | 5.1193% | 2,711 |
| Net charge-offs to loans | 0.0023% | 3,096 |
| Credit loss provision to net charge-offs | 10,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,412.0000% | 46 |
| Efficiency ratio | 60.9189% | 3,590 |
| Assets per employee ($millions) | 4.4874% | 3,162 |
| Cash dividends to net income (ytd only)* | 37.6959% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,432 |
| Loan loss allowance to noncurrent loans | 1,002.7778% | 591 |
| Noncurrent assets plus other real estate owned to assets | 1.0280% | 1,350 |
| Noncurrent loans to loans | 0.1214% | 4,136 |
| Net loans and leases to total assets | 63.1749% | 3,434 |
| Net loans and leases to deposits | 82.8458% | 2,639 |
| Net loans and leases to core deposits | 89.1208% | 2,678 |
| Total domestic deposits to total assets | 76.2560% | 4,643 |
| Equity capital to assets | 19.3489% | 274 |
| Core capital (leverage) ratio | 19.9527% | 240 |
| Tier 1 risk-based capital ratio | 28.7477% | 530 |
| Total risk-based capital ratio | 29.8672% | 524 |
| Memoranda: | ||
| Average total assets | $137,779,000 | 3,516 |
| Average earning assets | $117,340,670 | 3,656 |
| Average equity | $26,410,000 | 2,606 |
| Average total loans | $87,625,670 | 3,512 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 765 |
| Cost of funding earning assets | 0.5105% | 4,012 |
| Net interest margin | 4.7861% | 422 |
| Noninterest income to average assets | 0.7760% | 1,347 |
| Noninterest expense to average assets | 3.3345% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2661% | 1,829 |
| Return on assets (ROA) | 1.2661% | 1,877 |
| Pretax return on assets | 1.5170% | 1,709 |
| Return on Equity (ROE) | 6.6368% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.6368% | 2,186 |
| Net charge-offs to loans | -0.0184% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7312% | 2,535 |
| Assets per employee ($millions) | 4.5690% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 2,972 |
| Loan loss allowance to noncurrent loans | 940.9524% | 630 |
| Noncurrent assets plus other real estate owned to assets | 1.8042% | 580 |
| Noncurrent loans to loans | 0.1201% | 4,202 |
| Net loans and leases to total assets | 63.0856% | 3,391 |
| Net loans and leases to deposits | 82.6977% | 2,539 |
| Net loans and leases to core deposits | 89.7571% | 2,529 |
| Total domestic deposits to total assets | 76.2846% | 4,730 |
| Equity capital to assets | 19.3236% | 264 |
| Core capital (leverage) ratio | 20.3463% | 231 |
| Tier 1 risk-based capital ratio | 28.8447% | 516 |
| Total risk-based capital ratio | 29.8838% | 521 |
| Memoranda: | ||
| Average total assets | $137,114,000 | 3,563 |
| Average earning assets | $116,755,500 | 3,701 |
| Average equity | $26,157,000 | 2,626 |
| Average total loans | $86,956,000 | 3,561 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 853 |
| Cost of funding earning assets | 0.4822% | 3,464 |
| Net interest margin | 4.6131% | 590 |
| Noninterest income to average assets | 0.8110% | 1,415 |
| Noninterest expense to average assets | 3.3879% | 1,173 |
| Loan and lease loss provision to assets | 0.0717% | 2,702 |
| Net operating income to assets | 1.1451% | 2,412 |
| Return on assets (ROA) | 1.1451% | 2,410 |
| Pretax return on assets | 1.3437% | 2,348 |
| Return on Equity (ROE) | 6.0464% | 4,158 |
| Retained earnings to average equity (ytd only) | 2.9494% | 3,926 |
| Net charge-offs to loans | 0.2591% | 746 |
| Credit loss provision to net charge-offs | 43.4783% | 3,249 |
| Earnings coverage of net charge-offs (x) | 8.5826% | 2,888 |
| Efficiency ratio | 70.5329% | 2,103 |
| Assets per employee ($millions) | 4.1563% | 3,678 |
| Cash dividends to net income (ytd only)* | 51.2210% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 2,889 |
| Loan loss allowance to noncurrent loans | 132.4798% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.8694% | 536 |
| Noncurrent loans to loans | 0.8583% | 1,882 |
| Net loans and leases to total assets | 62.3147% | 3,535 |
| Net loans and leases to deposits | 79.9545% | 2,960 |
| Net loans and leases to core deposits | 89.7152% | 2,597 |
| Total domestic deposits to total assets | 77.9377% | 4,502 |
| Equity capital to assets | 19.6271% | 246 |
| Core capital (leverage) ratio | 19.7014% | 244 |
| Tier 1 risk-based capital ratio | 28.0855% | 557 |
| Total risk-based capital ratio | 29.1031% | 560 |
| Memoranda: | ||
| Average total assets | $139,465,600 | 3,511 |
| Average earning assets | $120,699,400 | 3,633 |
| Average equity | $26,412,200 | 2,544 |
| Average total loans | $88,779,600 | 3,501 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9999% | 944 |
| Cost of funding earning assets | 0.4695% | 3,397 |
| Net interest margin | 4.5304% | 696 |
| Noninterest income to average assets | 0.8074% | 1,448 |
| Noninterest expense to average assets | 3.3065% | 1,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2025% | 2,231 |
| Return on assets (ROA) | 1.2025% | 2,229 |
| Pretax return on assets | 1.4329% | 2,112 |
| Return on Equity (ROE) | 6.4065% | 4,140 |
| Retained earnings to average equity (ytd only) | 4.8492% | 3,316 |
| Net charge-offs to loans | 0.3163% | 529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 7.0991% | 2,831 |
| Efficiency ratio | 69.7670% | 2,236 |
| Assets per employee ($millions) | 4.3149% | 3,405 |
| Cash dividends to net income (ytd only)* | 24.3070% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,638 |
| Loan loss allowance to noncurrent loans | 249.8615% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.5825% | 798 |
| Noncurrent loans to loans | 0.4081% | 3,190 |
| Net loans and leases to total assets | 63.4136% | 3,497 |
| Net loans and leases to deposits | 81.0611% | 2,917 |
| Net loans and leases to core deposits | 90.8260% | 2,584 |
| Total domestic deposits to total assets | 78.2294% | 4,452 |
| Equity capital to assets | 19.2090% | 259 |
| Core capital (leverage) ratio | 19.6164% | 251 |
| Tier 1 risk-based capital ratio | 27.5889% | 594 |
| Total risk-based capital ratio | 28.5077% | 605 |
| Memoranda: | ||
| Average total assets | $140,042,750 | 3,541 |
| Average earning assets | $121,546,250 | 3,656 |
| Average equity | $26,285,250 | 2,562 |
| Average total loans | $89,361,500 | 3,523 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9047% | 1,012 |
| Cost of funding earning assets | 0.4616% | 3,275 |
| Net interest margin | 4.4431% | 780 |
| Noninterest income to average assets | 0.7704% | 1,570 |
| Noninterest expense to average assets | 3.3192% | 1,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1159% | 2,530 |
| Return on assets (ROA) | 1.1159% | 2,533 |
| Pretax return on assets | 1.3234% | 2,421 |
| Return on Equity (ROE) | 5.9910% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.9910% | 2,568 |
| Net charge-offs to loans | 0.0045% | 3,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 465.5000% | 192 |
| Efficiency ratio | 71.4942% | 2,090 |
| Assets per employee ($millions) | 4.4493% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,369 |
| Loan loss allowance to noncurrent loans | 95.1240% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.7784% | 663 |
| Noncurrent loans to loans | 1.3256% | 1,282 |
| Net loans and leases to total assets | 61.1558% | 3,691 |
| Net loans and leases to deposits | 78.8212% | 3,073 |
| Net loans and leases to core deposits | 86.7131% | 2,846 |
| Total domestic deposits to total assets | 77.5880% | 4,653 |
| Equity capital to assets | 18.6263% | 280 |
| Core capital (leverage) ratio | 19.2128% | 258 |
| Tier 1 risk-based capital ratio | 26.7296% | 623 |
| Total risk-based capital ratio | 27.8339% | 624 |
| Memoranda: | ||
| Average total assets | $140,698,330 | 3,561 |
| Average earning assets | $122,616,330 | 3,661 |
| Average equity | $26,206,000 | 2,577 |
| Average total loans | $89,661,670 | 3,527 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 908 |
| Cost of funding earning assets | 0.4610% | 3,118 |
| Net interest margin | 4.4176% | 740 |
| Noninterest income to average assets | 0.7636% | 1,571 |
| Noninterest expense to average assets | 3.4321% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0153% | 2,799 |
| Return on assets (ROA) | 1.0153% | 2,818 |
| Pretax return on assets | 1.1955% | 2,768 |
| Return on Equity (ROE) | 5.4513% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.4513% | 2,973 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1656% | 1,876 |
| Assets per employee ($millions) | 4.5595% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,666 |
| Loan loss allowance to noncurrent loans | 62.1305% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.3492% | 1,097 |
| Noncurrent loans to loans | 1.9692% | 824 |
| Net loans and leases to total assets | 63.6299% | 3,358 |
| Net loans and leases to deposits | 82.0099% | 2,594 |
| Net loans and leases to core deposits | 91.5557% | 2,332 |
| Total domestic deposits to total assets | 77.5880% | 4,788 |
| Equity capital to assets | 18.4804% | 285 |
| Core capital (leverage) ratio | 18.8361% | 260 |
| Tier 1 risk-based capital ratio | 26.5479% | 643 |
| Total risk-based capital ratio | 27.6643% | 645 |
| Memoranda: | ||
| Average total assets | $139,858,000 | 3,608 |
| Average earning assets | $122,329,500 | 3,705 |
| Average equity | $26,049,000 | 2,611 |
| Average total loans | $90,400,000 | 3,535 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 920 |
| Cost of funding earning assets | 0.3557% | 3,654 |
| Net interest margin | 4.4757% | 651 |
| Noninterest income to average assets | 0.7885% | 1,611 |
| Noninterest expense to average assets | 3.3329% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8592% | 2,917 |
| Return on assets (ROA) | 0.8592% | 2,937 |
| Pretax return on assets | 1.3163% | 2,288 |
| Return on Equity (ROE) | 4.7141% | 4,284 |
| Retained earnings to average equity (ytd only) | 1.4737% | 4,414 |
| Net charge-offs to loans | -0.0512% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6882% | 2,279 |
| Assets per employee ($millions) | 4.4636% | 3,247 |
| Cash dividends to net income (ytd only)* | 68.7395% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,523 |
| Loan loss allowance to noncurrent loans | 58.6316% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 959 |
| Noncurrent loans to loans | 2.1170% | 706 |
| Net loans and leases to total assets | 64.0556% | 3,359 |
| Net loans and leases to deposits | 82.5272% | 2,663 |
| Net loans and leases to core deposits | 89.7806% | 2,584 |
| Total domestic deposits to total assets | 77.6176% | 4,776 |
| Equity capital to assets | 18.7733% | 262 |
| Core capital (leverage) ratio | 18.6215% | 254 |
| Tier 1 risk-based capital ratio | 26.8628% | 600 |
| Total risk-based capital ratio | 28.0076% | 599 |
| Memoranda: | ||
| Average total assets | $138,496,600 | 3,635 |
| Average earning assets | $119,467,800 | 3,756 |
| Average equity | $25,243,200 | 2,659 |
| Average total loans | $87,938,600 | 3,562 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8036% | 924 |
| Cost of funding earning assets | 0.3422% | 3,746 |
| Net interest margin | 4.4614% | 651 |
| Noninterest income to average assets | 0.8268% | 1,487 |
| Noninterest expense to average assets | 3.1743% | 1,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1136% | 2,029 |
| Return on assets (ROA) | 1.1136% | 2,087 |
| Pretax return on assets | 1.4918% | 1,800 |
| Return on Equity (ROE) | 6.1558% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.5224% | 3,210 |
| Net charge-offs to loans | -0.0488% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0281% | 2,872 |
| Assets per employee ($millions) | 4.3673% | 3,359 |
| Cash dividends to net income (ytd only)* | 26.5339% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,609 |
| Loan loss allowance to noncurrent loans | 73.8431% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 1,342 |
| Noncurrent loans to loans | 1.7009% | 1,064 |
| Net loans and leases to total assets | 61.9353% | 3,658 |
| Net loans and leases to deposits | 80.4261% | 2,929 |
| Net loans and leases to core deposits | 87.8279% | 2,789 |
| Total domestic deposits to total assets | 77.0089% | 4,892 |
| Equity capital to assets | 18.1455% | 324 |
| Core capital (leverage) ratio | 18.5814% | 272 |
| Tier 1 risk-based capital ratio | 26.9171% | 624 |
| Total risk-based capital ratio | 28.0608% | 617 |
| Memoranda: | ||
| Average total assets | $138,527,750 | 3,668 |
| Average earning assets | $119,212,750 | 3,798 |
| Average equity | $25,059,750 | 2,693 |
| Average total loans | $87,486,000 | 3,608 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 857 |
| Cost of funding earning assets | 0.3334% | 3,760 |
| Net interest margin | 4.4666% | 610 |
| Noninterest income to average assets | 0.7675% | 1,697 |
| Noninterest expense to average assets | 3.1408% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0802% | 2,084 |
| Return on assets (ROA) | 1.0802% | 2,128 |
| Pretax return on assets | 1.4480% | 1,827 |
| Return on Equity (ROE) | 5.9776% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.9776% | 2,133 |
| Net charge-offs to loans | -0.0846% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4443% | 2,933 |
| Assets per employee ($millions) | 4.3190% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,446 |
| Loan loss allowance to noncurrent loans | 74.0790% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.4413% | 1,081 |
| Noncurrent loans to loans | 1.7462% | 1,037 |
| Net loans and leases to total assets | 61.0645% | 3,740 |
| Net loans and leases to deposits | 77.9323% | 3,123 |
| Net loans and leases to core deposits | 83.6590% | 3,105 |
| Total domestic deposits to total assets | 78.3558% | 4,754 |
| Equity capital to assets | 18.3289% | 301 |
| Core capital (leverage) ratio | 18.7717% | 253 |
| Tier 1 risk-based capital ratio | 27.4672% | 580 |
| Total risk-based capital ratio | 28.6425% | 575 |
| Memoranda: | ||
| Average total assets | $138,119,000 | 3,694 |
| Average earning assets | $118,166,670 | 3,834 |
| Average equity | $24,960,000 | 2,710 |
| Average total loans | $87,428,670 | 3,629 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7801% | 782 |
| Cost of funding earning assets | 0.3281% | 3,768 |
| Net interest margin | 4.4520% | 568 |
| Noninterest income to average assets | 0.7387% | 1,786 |
| Noninterest expense to average assets | 3.1027% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0719% | 1,971 |
| Return on assets (ROA) | 1.0719% | 2,018 |
| Pretax return on assets | 1.4485% | 1,701 |
| Return on Equity (ROE) | 5.9740% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.9740% | 2,353 |
| Net charge-offs to loans | -0.1539% | 5,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1731% | 3,165 |
| Assets per employee ($millions) | 4.3513% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,871 |
| Loan loss allowance to noncurrent loans | 51.1358% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.7057% | 867 |
| Noncurrent loans to loans | 2.4321% | 657 |
| Net loans and leases to total assets | 62.9032% | 3,412 |
| Net loans and leases to deposits | 81.1908% | 2,606 |
| Net loans and leases to core deposits | 86.8333% | 2,653 |
| Total domestic deposits to total assets | 77.4757% | 5,043 |
| Equity capital to assets | 17.8791% | 313 |
| Core capital (leverage) ratio | 18.3373% | 266 |
| Tier 1 risk-based capital ratio | 26.6905% | 649 |
| Total risk-based capital ratio | 27.8474% | 640 |
| Memoranda: | ||
| Average total assets | $138,074,500 | 3,724 |
| Average earning assets | $118,239,500 | 3,865 |
| Average equity | $24,774,000 | 2,728 |
| Average total loans | $88,392,000 | 3,634 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 1,162 |
| Cost of funding earning assets | 0.3328% | 3,717 |
| Net interest margin | 4.3201% | 903 |
| Noninterest income to average assets | 0.7516% | 1,949 |
| Noninterest expense to average assets | 3.2574% | 1,674 |
| Loan and lease loss provision to assets | 0.3583% | 470 |
| Net operating income to assets | 0.6685% | 3,915 |
| Return on assets (ROA) | 0.6685% | 4,030 |
| Pretax return on assets | 0.8283% | 4,097 |
| Return on Equity (ROE) | 3.7351% | 4,920 |
| Retained earnings to average equity (ytd only) | 1.2811% | 4,772 |
| Net charge-offs to loans | 0.8598% | 227 |
| Credit loss provision to net charge-offs | 64.9351% | 3,183 |
| Earnings coverage of net charge-offs (x) | 2.1506% | 3,879 |
| Efficiency ratio | 73.2989% | 2,376 |
| Assets per employee ($millions) | 4.1487% | 3,708 |
| Cash dividends to net income (ytd only)* | 65.7020% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 3,040 |
| Loan loss allowance to noncurrent loans | 43.3320% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.9582% | 710 |
| Noncurrent loans to loans | 2.8004% | 517 |
| Net loans and leases to total assets | 63.5646% | 3,409 |
| Net loans and leases to deposits | 80.8459% | 2,795 |
| Net loans and leases to core deposits | 86.4767% | 2,812 |
| Total domestic deposits to total assets | 78.6243% | 4,881 |
| Equity capital to assets | 18.0070% | 302 |
| Core capital (leverage) ratio | 18.1916% | 274 |
| Tier 1 risk-based capital ratio | 26.2525% | 680 |
| Total risk-based capital ratio | 27.3719% | 669 |
| Memoranda: | ||
| Average total assets | $139,560,400 | 3,680 |
| Average earning assets | $119,278,600 | 3,841 |
| Average equity | $24,979,000 | 2,725 |
| Average total loans | $89,557,000 | 3,584 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 1,221 |
| Cost of funding earning assets | 0.3326% | 3,754 |
| Net interest margin | 4.3053% | 918 |
| Noninterest income to average assets | 0.7588% | 1,936 |
| Noninterest expense to average assets | 3.2091% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9280% | 2,763 |
| Return on assets (ROA) | 0.9280% | 2,885 |
| Pretax return on assets | 1.2294% | 2,711 |
| Return on Equity (ROE) | 5.1926% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.1073% | 3,385 |
| Net charge-offs to loans | 0.1928% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.9461% | 2,629 |
| Efficiency ratio | 72.3008% | 2,531 |
| Assets per employee ($millions) | 4.2396% | 3,527 |
| Cash dividends to net income (ytd only)* | 20.9014% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 2,431 |
| Loan loss allowance to noncurrent loans | 25.8665% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 3.6331% | 259 |
| Noncurrent loans to loans | 5.2261% | 154 |
| Net loans and leases to total assets | 63.0600% | 3,517 |
| Net loans and leases to deposits | 80.1887% | 2,937 |
| Net loans and leases to core deposits | 86.4808% | 2,908 |
| Total domestic deposits to total assets | 78.6395% | 4,799 |
| Equity capital to assets | 18.1112% | 336 |
| Core capital (leverage) ratio | 18.2283% | 288 |
| Tier 1 risk-based capital ratio | 26.4110% | 683 |
| Total risk-based capital ratio | 27.6592% | 668 |
| Memoranda: | ||
| Average total assets | $140,223,500 | 3,690 |
| Average earning assets | $119,849,500 | 3,851 |
| Average equity | $25,060,500 | 2,728 |
| Average total loans | $89,922,750 | 3,595 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 1,179 |
| Cost of funding earning assets | 0.3305% | 3,793 |
| Net interest margin | 4.3136% | 896 |
| Noninterest income to average assets | 0.7383% | 1,980 |
| Noninterest expense to average assets | 3.2524% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8893% | 2,916 |
| Return on assets (ROA) | 0.8893% | 3,043 |
| Pretax return on assets | 1.1687% | 2,912 |
| Return on Equity (ROE) | 4.9985% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.9985% | 2,743 |
| Net charge-offs to loans | 0.0178% | 3,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 563 |
| Efficiency ratio | 73.5654% | 2,423 |
| Assets per employee ($millions) | 4.4535% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,980 |
| Loan loss allowance to noncurrent loans | 28.9411% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 3.5183% | 302 |
| Noncurrent loans to loans | 5.0829% | 166 |
| Net loans and leases to total assets | 62.5547% | 3,560 |
| Net loans and leases to deposits | 79.0431% | 3,051 |
| Net loans and leases to core deposits | 86.1075% | 2,887 |
| Total domestic deposits to total assets | 79.1400% | 4,743 |
| Equity capital to assets | 17.7396% | 362 |
| Core capital (leverage) ratio | 18.0817% | 291 |
| Tier 1 risk-based capital ratio | 26.0642% | 720 |
| Total risk-based capital ratio | 27.3268% | 702 |
| Memoranda: | ||
| Average total assets | $140,328,670 | 3,711 |
| Average earning assets | $119,807,670 | 3,884 |
| Average equity | $24,967,670 | 2,747 |
| Average total loans | $90,085,330 | 3,613 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 1,073 |
| Cost of funding earning assets | 0.3205% | 3,939 |
| Net interest margin | 4.3667% | 802 |
| Noninterest income to average assets | 0.7297% | 1,908 |
| Noninterest expense to average assets | 3.3612% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8647% | 2,922 |
| Return on assets (ROA) | 0.8647% | 3,037 |
| Pretax return on assets | 1.1261% | 2,989 |
| Return on Equity (ROE) | 4.8527% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.8527% | 3,035 |
| Net charge-offs to loans | 0.0222% | 2,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 78.4000% | 647 |
| Efficiency ratio | 74.9040% | 2,339 |
| Assets per employee ($millions) | 4.2079% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 2,060 |
| Loan loss allowance to noncurrent loans | 61.6451% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 1.8608% | 980 |
| Noncurrent loans to loans | 2.4061% | 804 |
| Net loans and leases to total assets | 63.8065% | 3,266 |
| Net loans and leases to deposits | 80.8665% | 2,688 |
| Net loans and leases to core deposits | 86.5966% | 2,697 |
| Total domestic deposits to total assets | 78.9035% | 4,988 |
| Equity capital to assets | 17.9365% | 328 |
| Core capital (leverage) ratio | 18.1457% | 286 |
| Tier 1 risk-based capital ratio | 25.9066% | 743 |
| Total risk-based capital ratio | 27.1695% | 726 |
| Memoranda: | ||
| Average total assets | $139,237,000 | 3,765 |
| Average earning assets | $119,815,000 | 3,913 |
| Average equity | $24,811,000 | 2,764 |
| Average total loans | $89,888,500 | 3,621 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 1,117 |
| Cost of funding earning assets | 0.3173% | 4,067 |
| Net interest margin | 4.3800% | 827 |
| Noninterest income to average assets | 0.8087% | 1,755 |
| Noninterest expense to average assets | 3.2711% | 1,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2205% | 1,483 |
| Return on assets (ROA) | 1.2562% | 1,425 |
| Pretax return on assets | 1.3438% | 2,113 |
| Return on Equity (ROE) | 7.1222% | 3,453 |
| Retained earnings to average equity (ytd only) | 3.7643% | 3,364 |
| Net charge-offs to loans | 0.0175% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 120.2000% | 503 |
| Efficiency ratio | 71.4760% | 2,989 |
| Assets per employee ($millions) | 4.1062% | 3,748 |
| Cash dividends to net income (ytd only)* | 47.1470% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 2,051 |
| Loan loss allowance to noncurrent loans | 68.9141% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.6990% | 1,143 |
| Noncurrent loans to loans | 2.1627% | 932 |
| Net loans and leases to total assets | 63.3907% | 3,362 |
| Net loans and leases to deposits | 80.4240% | 2,780 |
| Net loans and leases to core deposits | 85.8849% | 2,806 |
| Total domestic deposits to total assets | 78.8206% | 5,012 |
| Equity capital to assets | 17.7026% | 337 |
| Core capital (leverage) ratio | 18.2852% | 276 |
| Tier 1 risk-based capital ratio | 30.2414% | 494 |
| Total risk-based capital ratio | 31.5068% | 487 |
| Memoranda: | ||
| Average total assets | $138,120,400 | 3,749 |
| Average earning assets | $118,812,800 | 3,906 |
| Average equity | $24,360,400 | 2,751 |
| Average total loans | $85,748,400 | 3,677 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 1,353 |
| Cost of funding earning assets | 0.3152% | 4,166 |
| Net interest margin | 4.2750% | 1,010 |
| Noninterest income to average assets | 0.7831% | 1,865 |
| Noninterest expense to average assets | 3.0567% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0647% | 2,152 |
| Return on assets (ROA) | 1.0647% | 2,246 |
| Pretax return on assets | 1.4016% | 2,007 |
| Return on Equity (ROE) | 6.0425% | 4,127 |
| Retained earnings to average equity (ytd only) | 4.9164% | 2,972 |
| Net charge-offs to loans | 0.0189% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 120.6638% | 531 |
| Efficiency ratio | 68.5627% | 3,438 |
| Assets per employee ($millions) | 4.0658% | 3,771 |
| Cash dividends to net income (ytd only)* | 18.6366% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 2,091 |
| Loan loss allowance to noncurrent loans | 47.1042% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 2.6136% | 637 |
| Noncurrent loans to loans | 3.2178% | 522 |
| Net loans and leases to total assets | 63.0774% | 3,443 |
| Net loans and leases to deposits | 79.8749% | 2,898 |
| Net loans and leases to core deposits | 84.3094% | 3,011 |
| Total domestic deposits to total assets | 78.9703% | 4,985 |
| Equity capital to assets | 17.8728% | 347 |
| Core capital (leverage) ratio | 18.4890% | 270 |
| Tier 1 risk-based capital ratio | 25.9886% | 764 |
| Total risk-based capital ratio | 27.2464% | 749 |
| Memoranda: | ||
| Average total assets | $137,747,500 | 3,789 |
| Average earning assets | $118,423,250 | 3,949 |
| Average equity | $24,271,750 | 2,779 |
| Average total loans | $84,725,500 | 3,739 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 1,358 |
| Cost of funding earning assets | 0.3132% | 4,241 |
| Net interest margin | 4.2531% | 1,012 |
| Noninterest income to average assets | 0.7879% | 1,831 |
| Noninterest expense to average assets | 3.0847% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0350% | 2,204 |
| Return on assets (ROA) | 1.0350% | 2,320 |
| Pretax return on assets | 1.3548% | 2,166 |
| Return on Equity (ROE) | 5.9022% | 4,175 |
| Retained earnings to average equity (ytd only) | 4.2028% | 3,359 |
| Net charge-offs to loans | 0.0024% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 932.0000% | 61 |
| Efficiency ratio | 69.4826% | 3,421 |
| Assets per employee ($millions) | 3.6058% | 4,617 |
| Cash dividends to net income (ytd only)* | 28.7921% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 2,055 |
| Loan loss allowance to noncurrent loans | 48.2869% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.6354% | 691 |
| Noncurrent loans to loans | 3.2282% | 580 |
| Net loans and leases to total assets | 62.3583% | 3,500 |
| Net loans and leases to deposits | 78.9554% | 2,913 |
| Net loans and leases to core deposits | 82.7729% | 3,103 |
| Total domestic deposits to total assets | 78.9791% | 5,097 |
| Equity capital to assets | 17.7097% | 362 |
| Core capital (leverage) ratio | 18.0982% | 280 |
| Tier 1 risk-based capital ratio | 25.4946% | 818 |
| Total risk-based capital ratio | 26.7546% | 806 |
| Memoranda: | ||
| Average total assets | $137,584,000 | 3,828 |
| Average earning assets | $118,126,330 | 3,987 |
| Average equity | $24,126,670 | 2,798 |
| Average total loans | $83,454,330 | 3,792 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 1,937 |
| Cost of funding earning assets | 0.3106% | 4,322 |
| Net interest margin | 4.0408% | 1,437 |
| Noninterest income to average assets | 0.7718% | 1,822 |
| Noninterest expense to average assets | 3.0232% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9778% | 2,349 |
| Return on assets (ROA) | 0.9778% | 2,483 |
| Pretax return on assets | 1.2215% | 2,581 |
| Return on Equity (ROE) | 5.6034% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.6034% | 2,714 |
| Net charge-offs to loans | 0.0245% | 2,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 84.2000% | 569 |
| Efficiency ratio | 71.2235% | 3,292 |
| Assets per employee ($millions) | 3.9235% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 1,930 |
| Loan loss allowance to noncurrent loans | 47.8708% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.8386% | 693 |
| Noncurrent loans to loans | 3.4194% | 575 |
| Net loans and leases to total assets | 59.0310% | 3,791 |
| Net loans and leases to deposits | 74.5158% | 3,236 |
| Net loans and leases to core deposits | 77.8439% | 3,398 |
| Total domestic deposits to total assets | 79.2195% | 5,228 |
| Equity capital to assets | 17.6484% | 361 |
| Core capital (leverage) ratio | 17.8221% | 298 |
| Tier 1 risk-based capital ratio | 25.9838% | 786 |
| Total risk-based capital ratio | 27.2354% | 770 |
| Memoranda: | ||
| Average total assets | $137,865,500 | 3,840 |
| Average earning assets | $118,491,500 | 4,005 |
| Average equity | $24,057,000 | 2,821 |
| Average total loans | $81,783,000 | 3,834 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 1,971 |
| Cost of funding earning assets | 0.3319% | 4,469 |
| Net interest margin | 4.1436% | 1,452 |
| Noninterest income to average assets | 0.8799% | 1,568 |
| Noninterest expense to average assets | 3.2076% | 2,193 |
| Loan and lease loss provision to assets | 0.0254% | 4,097 |
| Net operating income to assets | 0.9155% | 2,801 |
| Return on assets (ROA) | 0.9155% | 2,894 |
| Pretax return on assets | 1.1544% | 2,854 |
| Return on Equity (ROE) | 5.3230% | 4,502 |
| Retained earnings to average equity (ytd only) | 3.1659% | 3,984 |
| Net charge-offs to loans | -0.0497% | 5,935 |
| Credit loss provision to net charge-offs | -87.5000% | 5,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1094% | 3,006 |
| Assets per employee ($millions) | 3.7408% | 4,461 |
| Cash dividends to net income (ytd only)* | 40.5234% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 1,869 |
| Loan loss allowance to noncurrent loans | 43.8330% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 3.0272% | 661 |
| Noncurrent loans to loans | 3.8063% | 511 |
| Net loans and leases to total assets | 57.6555% | 4,095 |
| Net loans and leases to deposits | 72.6613% | 3,601 |
| Net loans and leases to core deposits | 77.3423% | 3,582 |
| Total domestic deposits to total assets | 79.3483% | 5,174 |
| Equity capital to assets | 17.2524% | 395 |
| Core capital (leverage) ratio | 17.5202% | 323 |
| Tier 1 risk-based capital ratio | 26.0998% | 756 |
| Total risk-based capital ratio | 27.3524% | 737 |
| Memoranda: | ||
| Average total assets | $137,736,800 | 3,843 |
| Average earning assets | $116,590,800 | 4,036 |
| Average equity | $23,689,600 | 2,782 |
| Average total loans | $80,460,600 | 3,861 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 1,821 |
| Cost of funding earning assets | 0.3369% | 4,508 |
| Net interest margin | 4.1770% | 1,356 |
| Noninterest income to average assets | 0.8955% | 1,539 |
| Noninterest expense to average assets | 3.0365% | 2,685 |
| Loan and lease loss provision to assets | 0.0339% | 3,726 |
| Net operating income to assets | 1.0438% | 2,261 |
| Return on assets (ROA) | 1.0438% | 2,322 |
| Pretax return on assets | 1.3462% | 2,214 |
| Return on Equity (ROE) | 6.0737% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.4985% | 2,751 |
| Net charge-offs to loans | -0.0947% | 6,124 |
| Credit loss provision to net charge-offs | -61.4035% | 5,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7514% | 3,716 |
| Assets per employee ($millions) | 4.3678% | 3,181 |
| Cash dividends to net income (ytd only)* | 9.4710% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6749% | 2,052 |
| Loan loss allowance to noncurrent loans | 39.8084% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 3.2668% | 683 |
| Noncurrent loans to loans | 4.2074% | 483 |
| Net loans and leases to total assets | 57.5835% | 4,125 |
| Net loans and leases to deposits | 72.3110% | 3,655 |
| Net loans and leases to core deposits | 79.7608% | 3,337 |
| Total domestic deposits to total assets | 79.6331% | 5,192 |
| Equity capital to assets | 17.3927% | 391 |
| Core capital (leverage) ratio | 17.5279% | 322 |
| Tier 1 risk-based capital ratio | 26.0938% | 778 |
| Total risk-based capital ratio | 27.3469% | 758 |
| Memoranda: | ||
| Average total assets | $137,568,500 | 3,871 |
| Average earning assets | $115,965,500 | 4,092 |
| Average equity | $23,642,250 | 2,794 |
| Average total loans | $80,287,000 | 3,893 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 1,689 |
| Cost of funding earning assets | 0.3440% | 4,493 |
| Net interest margin | 4.1978% | 1,246 |
| Noninterest income to average assets | 0.8740% | 1,577 |
| Noninterest expense to average assets | 3.1089% | 2,458 |
| Loan and lease loss provision to assets | 0.0512% | 3,282 |
| Net operating income to assets | 0.9544% | 2,533 |
| Return on assets (ROA) | 0.9544% | 2,624 |
| Pretax return on assets | 1.2278% | 2,545 |
| Return on Equity (ROE) | 5.5765% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.5765% | 2,598 |
| Net charge-offs to loans | -0.1178% | 6,195 |
| Credit loss provision to net charge-offs | -74.4681% | 5,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8528% | 3,521 |
| Assets per employee ($millions) | 4.0973% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 2,104 |
| Loan loss allowance to noncurrent loans | 50.5572% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 2.7522% | 953 |
| Noncurrent loans to loans | 3.3796% | 810 |
| Net loans and leases to total assets | 56.2025% | 4,258 |
| Net loans and leases to deposits | 70.3678% | 3,772 |
| Net loans and leases to core deposits | 78.2002% | 3,418 |
| Total domestic deposits to total assets | 79.8696% | 5,272 |
| Equity capital to assets | 17.1808% | 395 |
| Core capital (leverage) ratio | 17.2566% | 347 |
| Tier 1 risk-based capital ratio | 25.9868% | 777 |
| Total risk-based capital ratio | 27.2399% | 760 |
| Memoranda: | ||
| Average total assets | $136,834,330 | 3,907 |
| Average earning assets | $114,537,000 | 4,135 |
| Average equity | $23,419,670 | 2,811 |
| Average total loans | $79,764,000 | 3,919 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 1,414 |
| Cost of funding earning assets | 0.3532% | 4,506 |
| Net interest margin | 4.2813% | 1,038 |
| Noninterest income to average assets | 0.9027% | 1,384 |
| Noninterest expense to average assets | 2.9794% | 2,941 |
| Loan and lease loss provision to assets | 0.1032% | 2,201 |
| Net operating income to assets | 1.0413% | 2,039 |
| Return on assets (ROA) | 1.0413% | 2,113 |
| Pretax return on assets | 1.3599% | 1,882 |
| Return on Equity (ROE) | 6.0961% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.0961% | 2,489 |
| Net charge-offs to loans | -0.0902% | 6,085 |
| Credit loss provision to net charge-offs | -194.4444% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0651% | 4,352 |
| Assets per employee ($millions) | 3.9162% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 2,429 |
| Loan loss allowance to noncurrent loans | 49.8876% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.8052% | 1,061 |
| Noncurrent loans to loans | 3.3566% | 903 |
| Net loans and leases to total assets | 57.0615% | 3,991 |
| Net loans and leases to deposits | 71.4378% | 3,415 |
| Net loans and leases to core deposits | 78.6203% | 3,134 |
| Total domestic deposits to total assets | 79.8757% | 5,510 |
| Equity capital to assets | 17.1222% | 385 |
| Core capital (leverage) ratio | 17.2105% | 348 |
| Tier 1 risk-based capital ratio | 25.6960% | 814 |
| Total risk-based capital ratio | 26.9489% | 795 |
| Memoranda: | ||
| Average total assets | $135,598,000 | 3,968 |
| Average earning assets | $112,116,000 | 4,211 |
| Average equity | $23,162,500 | 2,826 |
| Average total loans | $79,818,500 | 3,939 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 2,517 |
| Cost of funding earning assets | 0.4125% | 4,512 |
| Net interest margin | 4.0066% | 1,928 |
| Noninterest income to average assets | 0.7509% | 2,288 |
| Noninterest expense to average assets | 3.4584% | 1,756 |
| Loan and lease loss provision to assets | 0.6098% | 407 |
| Net operating income to assets | 0.0132% | 6,191 |
| Return on assets (ROA) | 0.0132% | 6,232 |
| Pretax return on assets | 0.0132% | 6,213 |
| Return on Equity (ROE) | 0.0790% | 6,241 |
| Retained earnings to average equity (ytd only) | 0.0790% | 5,817 |
| Net charge-offs to loans | 1.7520% | 242 |
| Credit loss provision to net charge-offs | 61.1437% | 3,523 |
| Earnings coverage of net charge-offs (x) | 0.6246% | 4,875 |
| Efficiency ratio | 84.5396% | 1,570 |
| Assets per employee ($millions) | 3.9449% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 2,777 |
| Loan loss allowance to noncurrent loans | 47.5465% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 3.0255% | 1,041 |
| Noncurrent loans to loans | 3.3586% | 959 |
| Net loans and leases to total assets | 58.7595% | 3,912 |
| Net loans and leases to deposits | 73.5532% | 3,325 |
| Net loans and leases to core deposits | 80.2993% | 3,094 |
| Total domestic deposits to total assets | 79.8871% | 5,468 |
| Equity capital to assets | 17.0404% | 396 |
| Core capital (leverage) ratio | 17.0674% | 367 |
| Tier 1 risk-based capital ratio | 24.9140% | 860 |
| Total risk-based capital ratio | 26.1660% | 845 |
| Memoranda: | ||
| Average total assets | $136,767,800 | 3,941 |
| Average earning assets | $113,687,200 | 4,188 |
| Average equity | $22,774,000 | 2,849 |
| Average total loans | $77,852,600 | 4,003 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3189% | 2,910 |
| Cost of funding earning assets | 0.4245% | 4,559 |
| Net interest margin | 3.8943% | 2,296 |
| Noninterest income to average assets | 0.7073% | 2,566 |
| Noninterest expense to average assets | 3.4742% | 1,663 |
| Loan and lease loss provision to assets | 0.7325% | 295 |
| Net operating income to assets | -0.2600% | 6,499 |
| Return on assets (ROA) | -0.2600% | 6,514 |
| Pretax return on assets | -0.2600% | 6,494 |
| Return on Equity (ROE) | -1.5704% | 6,459 |
| Retained earnings to average equity (ytd only) | -1.5704% | 6,206 |
| Net charge-offs to loans | 2.3632% | 139 |
| Credit loss provision to net charge-offs | 55.1095% | 3,397 |
| Earnings coverage of net charge-offs (x) | 0.3555% | 4,746 |
| Efficiency ratio | 87.7581% | 1,192 |
| Assets per employee ($millions) | 3.9313% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 3,338 |
| Loan loss allowance to noncurrent loans | 44.6188% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.2717% | 1,078 |
| Noncurrent loans to loans | 3.4288% | 1,125 |
| Net loans and leases to total assets | 57.4953% | 4,088 |
| Net loans and leases to deposits | 71.9280% | 3,521 |
| Net loans and leases to core deposits | 78.3944% | 3,311 |
| Total domestic deposits to total assets | 79.9346% | 5,523 |
| Equity capital to assets | 16.8723% | 432 |
| Core capital (leverage) ratio | 16.8556% | 398 |
| Tier 1 risk-based capital ratio | 25.1078% | 867 |
| Total risk-based capital ratio | 26.3594% | 856 |
| Memoranda: | ||
| Average total assets | $137,427,750 | 3,966 |
| Average earning assets | $114,317,500 | 4,216 |
| Average equity | $22,753,500 | 2,877 |
| Average total loans | $77,292,750 | 4,050 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 3,205 |
| Cost of funding earning assets | 0.4355% | 4,600 |
| Net interest margin | 3.8005% | 2,554 |
| Noninterest income to average assets | 0.6360% | 2,984 |
| Noninterest expense to average assets | 3.4799% | 1,649 |
| Loan and lease loss provision to assets | 0.9734% | 194 |
| Net operating income to assets | -0.6461% | 6,680 |
| Return on assets (ROA) | -0.6461% | 6,694 |
| Pretax return on assets | -0.6461% | 6,675 |
| Return on Equity (ROE) | -3.9263% | 6,616 |
| Retained earnings to average equity (ytd only) | -3.9263% | 6,391 |
| Net charge-offs to loans | 3.2216% | 90 |
| Credit loss provision to net charge-offs | 54.3916% | 3,136 |
| Earnings coverage of net charge-offs (x) | 0.1829% | 4,486 |
| Efficiency ratio | 91.4015% | 944 |
| Assets per employee ($millions) | 3.9593% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 3,094 |
| Loan loss allowance to noncurrent loans | 16.9208% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 6.6449% | 361 |
| Noncurrent loans to loans | 9.5575% | 178 |
| Net loans and leases to total assets | 56.1735% | 4,255 |
| Net loans and leases to deposits | 71.9548% | 3,453 |
| Net loans and leases to core deposits | 77.7339% | 3,330 |
| Total domestic deposits to total assets | 78.0678% | 5,963 |
| Equity capital to assets | 16.5435% | 466 |
| Core capital (leverage) ratio | 16.4466% | 421 |
| Tier 1 risk-based capital ratio | 24.9181% | 883 |
| Total risk-based capital ratio | 26.1694% | 865 |
| Memoranda: | ||
| Average total assets | $138,682,670 | 3,977 |
| Average earning assets | $115,723,000 | 4,210 |
| Average equity | $22,820,670 | 2,884 |
| Average total loans | $77,042,330 | 4,070 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 3,735 |
| Cost of funding earning assets | 0.4569% | 4,516 |
| Net interest margin | 3.6418% | 3,104 |
| Noninterest income to average assets | 0.4434% | 4,152 |
| Noninterest expense to average assets | 3.3628% | 1,922 |
| Loan and lease loss provision to assets | 1.7766% | 70 |
| Net operating income to assets | -1.6373% | 6,893 |
| Return on assets (ROA) | -1.6373% | 6,897 |
| Pretax return on assets | -1.6373% | 6,887 |
| Return on Equity (ROE) | -9.9758% | 6,806 |
| Retained earnings to average equity (ytd only) | -9.9758% | 6,618 |
| Net charge-offs to loans | 6.1193% | 32 |
| Credit loss provision to net charge-offs | 52.9661% | 2,559 |
| Earnings coverage of net charge-offs (x) | 0.0415% | 3,816 |
| Efficiency ratio | 96.0227% | 731 |
| Assets per employee ($millions) | 4.1393% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 3,186 |
| Loan loss allowance to noncurrent loans | 13.8304% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 7.8829% | 320 |
| Noncurrent loans to loans | 11.9477% | 137 |
| Net loans and leases to total assets | 53.0323% | 4,557 |
| Net loans and leases to deposits | 70.5695% | 3,379 |
| Net loans and leases to core deposits | 76.9830% | 3,211 |
| Total domestic deposits to total assets | 75.1490% | 6,441 |
| Equity capital to assets | 16.1538% | 537 |
| Core capital (leverage) ratio | 15.7658% | 483 |
| Tier 1 risk-based capital ratio | 24.9797% | 894 |
| Total risk-based capital ratio | 26.2308% | 878 |
| Memoranda: | ||
| Average total assets | $140,716,500 | 3,970 |
| Average earning assets | $118,184,000 | 4,192 |
| Average equity | $23,096,000 | 2,907 |
| Average total loans | $77,133,000 | 4,093 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 3,439 |
| Cost of funding earning assets | 0.5483% | 4,834 |
| Net interest margin | 3.9412% | 2,644 |
| Noninterest income to average assets | 0.3974% | 4,633 |
| Noninterest expense to average assets | 3.2827% | 2,386 |
| Loan and lease loss provision to assets | 0.3099% | 2,201 |
| Net operating income to assets | 0.2362% | 5,677 |
| Return on assets (ROA) | 0.2362% | 5,874 |
| Pretax return on assets | 0.1219% | 6,121 |
| Return on Equity (ROE) | 1.4856% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.4856% | 5,124 |
| Net charge-offs to loans | 0.8312% | 1,393 |
| Credit loss provision to net charge-offs | 67.2646% | 4,240 |
| Earnings coverage of net charge-offs (x) | 0.9372% | 5,000 |
| Efficiency ratio | 88.3738% | 1,212 |
| Assets per employee ($millions) | 4.0199% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3081% | 1,352 |
| Loan loss allowance to noncurrent loans | 17.2089% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 8.9191% | 279 |
| Noncurrent loans to loans | 13.4121% | 116 |
| Net loans and leases to total assets | 54.4201% | 4,563 |
| Net loans and leases to deposits | 72.9233% | 3,264 |
| Net loans and leases to core deposits | 79.6024% | 3,063 |
| Total domestic deposits to total assets | 74.6265% | 6,480 |
| Equity capital to assets | 16.6726% | 456 |
| Core capital (leverage) ratio | 16.3142% | 414 |
| Tier 1 risk-based capital ratio | 25.3232% | 816 |
| Total risk-based capital ratio | 26.5819% | 806 |
| Memoranda: | ||
| Average total assets | $145,186,000 | 3,856 |
| Average earning assets | $122,197,600 | 4,065 |
| Average equity | $23,088,600 | 2,843 |
| Average total loans | $80,487,000 | 4,025 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 4,101 |
| Cost of funding earning assets | 0.5681% | 4,933 |
| Net interest margin | 3.8199% | 3,247 |
| Noninterest income to average assets | 0.5258% | 3,767 |
| Noninterest expense to average assets | 3.1740% | 2,651 |
| Loan and lease loss provision to assets | 0.1367% | 3,836 |
| Net operating income to assets | 0.4529% | 5,026 |
| Return on assets (ROA) | 0.4529% | 5,268 |
| Pretax return on assets | 0.4320% | 5,644 |
| Return on Equity (ROE) | 2.8816% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.8816% | 4,824 |
| Net charge-offs to loans | 0.8788% | 1,246 |
| Credit loss provision to net charge-offs | 28.0899% | 4,830 |
| Earnings coverage of net charge-offs (x) | 1.1685% | 4,716 |
| Efficiency ratio | 84.8064% | 1,494 |
| Assets per employee ($millions) | 3.8802% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2376% | 1,633 |
| Loan loss allowance to noncurrent loans | 19.3048% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 8.5807% | 333 |
| Noncurrent loans to loans | 11.5908% | 184 |
| Net loans and leases to total assets | 50.0310% | 5,312 |
| Net loans and leases to deposits | 66.8018% | 4,362 |
| Net loans and leases to core deposits | 74.2692% | 3,944 |
| Total domestic deposits to total assets | 74.8946% | 6,530 |
| Equity capital to assets | 16.3185% | 555 |
| Core capital (leverage) ratio | 15.7413% | 512 |
| Tier 1 risk-based capital ratio | 26.0265% | 824 |
| Total risk-based capital ratio | 27.2843% | 807 |
| Memoranda: | ||
| Average total assets | $146,308,000 | 3,874 |
| Average earning assets | $123,210,250 | 4,074 |
| Average equity | $22,996,250 | 2,878 |
| Average total loans | $81,014,500 | 4,054 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 4,156 |
| Cost of funding earning assets | 0.5792% | 5,081 |
| Net interest margin | 3.8291% | 3,226 |
| Noninterest income to average assets | 0.3980% | 4,668 |
| Noninterest expense to average assets | 3.0267% | 3,161 |
| Loan and lease loss provision to assets | 0.2038% | 3,032 |
| Net operating income to assets | 0.4225% | 5,136 |
| Return on assets (ROA) | 0.4225% | 5,370 |
| Pretax return on assets | 0.4008% | 5,710 |
| Return on Equity (ROE) | 2.7218% | 5,798 |
| Retained earnings to average equity (ytd only) | 2.7218% | 4,810 |
| Net charge-offs to loans | 1.2642% | 852 |
| Credit loss provision to net charge-offs | 28.4091% | 4,466 |
| Earnings coverage of net charge-offs (x) | 0.8428% | 4,636 |
| Efficiency ratio | 83.3520% | 1,700 |
| Assets per employee ($millions) | 4.2535% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0234% | 2,165 |
| Loan loss allowance to noncurrent loans | 18.5644% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 8.5717% | 376 |
| Noncurrent loans to loans | 10.8994% | 220 |
| Net loans and leases to total assets | 53.6672% | 4,856 |
| Net loans and leases to deposits | 71.8186% | 3,640 |
| Net loans and leases to core deposits | 80.5883% | 3,134 |
| Total domestic deposits to total assets | 74.7261% | 6,609 |
| Equity capital to assets | 15.4702% | 682 |
| Core capital (leverage) ratio | 15.8227% | 481 |
| Tier 1 risk-based capital ratio | 23.8470% | 1,035 |
| Total risk-based capital ratio | 25.1009% | 1,015 |
| Memoranda: | ||
| Average total assets | $147,221,670 | 3,883 |
| Average earning assets | $124,312,330 | 4,071 |
| Average equity | $22,852,330 | 2,871 |
| Average total loans | $83,528,670 | 3,998 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 3,306 |
| Cost of funding earning assets | 0.6024% | 5,106 |
| Net interest margin | 4.0387% | 2,337 |
| Noninterest income to average assets | 0.4536% | 4,270 |
| Noninterest expense to average assets | 2.8143% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8470% | 3,178 |
| Return on assets (ROA) | 0.8470% | 3,416 |
| Pretax return on assets | 1.0465% | 3,512 |
| Return on Equity (ROE) | 5.4474% | 4,571 |
| Retained earnings to average equity (ytd only) | 5.4474% | 3,291 |
| Net charge-offs to loans | 0.2082% | 2,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.7045% | 1,926 |
| Efficiency ratio | 72.8946% | 3,272 |
| Assets per employee ($millions) | 4.2095% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3711% | 1,555 |
| Loan loss allowance to noncurrent loans | 28.4078% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 7.7804% | 506 |
| Noncurrent loans to loans | 8.3465% | 448 |
| Net loans and leases to total assets | 55.4476% | 4,477 |
| Net loans and leases to deposits | 74.4258% | 3,060 |
| Net loans and leases to core deposits | 84.5148% | 2,475 |
| Total domestic deposits to total assets | 74.5004% | 6,701 |
| Equity capital to assets | 15.5852% | 641 |
| Core capital (leverage) ratio | 15.8732% | 483 |
| Tier 1 risk-based capital ratio | 23.4969% | 1,066 |
| Total risk-based capital ratio | 24.7566% | 1,049 |
| Memoranda: | ||
| Average total assets | $146,396,000 | 3,929 |
| Average earning assets | $123,506,500 | 4,116 |
| Average equity | $22,763,000 | 2,875 |
| Average total loans | $84,520,000 | 3,991 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 4,095 |
| Cost of funding earning assets | 0.7094% | 5,479 |
| Net interest margin | 4.0266% | 2,750 |
| Noninterest income to average assets | 0.7767% | 2,187 |
| Noninterest expense to average assets | 3.8529% | 1,255 |
| Loan and lease loss provision to assets | -0.0504% | 7,245 |
| Net operating income to assets | 0.3760% | 4,967 |
| Return on assets (ROA) | 0.4035% | 5,022 |
| Pretax return on assets | 0.3894% | 5,324 |
| Return on Equity (ROE) | 2.7560% | 5,385 |
| Retained earnings to average equity (ytd only) | 2.7560% | 4,273 |
| Net charge-offs to loans | 0.5468% | 2,825 |
| Credit loss provision to net charge-offs | -15.1822% | 6,627 |
| Earnings coverage of net charge-offs (x) | 0.9393% | 5,100 |
| Efficiency ratio | 91.1656% | 1,105 |
| Assets per employee ($millions) | 4.0406% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3757% | 1,500 |
| Loan loss allowance to noncurrent loans | 24.0998% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 8.3308% | 460 |
| Noncurrent loans to loans | 9.8578% | 330 |
| Net loans and leases to total assets | 57.2914% | 4,500 |
| Net loans and leases to deposits | 76.9848% | 3,004 |
| Net loans and leases to core deposits | 88.5150% | 2,319 |
| Total domestic deposits to total assets | 74.4191% | 6,673 |
| Equity capital to assets | 15.5122% | 674 |
| Core capital (leverage) ratio | 15.6179% | 507 |
| Tier 1 risk-based capital ratio | 22.9612% | 1,105 |
| Total risk-based capital ratio | 24.2208% | 1,086 |
| Memoranda: | ||
| Average total assets | $148,954,600 | 3,822 |
| Average earning assets | $125,316,800 | 4,028 |
| Average equity | $21,806,600 | 2,914 |
| Average total loans | $90,348,600 | 3,841 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 4,464 |
| Cost of funding earning assets | 0.7312% | 5,586 |
| Net interest margin | 3.9694% | 3,054 |
| Noninterest income to average assets | 0.8445% | 1,859 |
| Noninterest expense to average assets | 3.9102% | 1,134 |
| Loan and lease loss provision to assets | -0.0667% | 7,341 |
| Net operating income to assets | 0.3533% | 5,194 |
| Return on assets (ROA) | 0.3898% | 5,230 |
| Pretax return on assets | 0.3755% | 5,541 |
| Return on Equity (ROE) | 2.7015% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.7015% | 4,741 |
| Net charge-offs to loans | 0.6085% | 2,423 |
| Credit loss provision to net charge-offs | -17.9426% | 6,423 |
| Earnings coverage of net charge-offs (x) | 0.7321% | 5,064 |
| Efficiency ratio | 91.7021% | 1,050 |
| Assets per employee ($millions) | 4.1411% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4011% | 1,538 |
| Loan loss allowance to noncurrent loans | 26.8436% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 7.6811% | 608 |
| Noncurrent loans to loans | 8.9449% | 439 |
| Net loans and leases to total assets | 55.8155% | 4,869 |
| Net loans and leases to deposits | 76.9988% | 3,169 |
| Net loans and leases to core deposits | 92.3264% | 1,964 |
| Total domestic deposits to total assets | 72.4888% | 6,896 |
| Equity capital to assets | 14.4726% | 1,001 |
| Core capital (leverage) ratio | 15.3515% | 602 |
| Tier 1 risk-based capital ratio | 22.3583% | 1,232 |
| Total risk-based capital ratio | 23.6181% | 1,209 |
| Memoranda: | ||
| Average total assets | $149,828,250 | 3,825 |
| Average earning assets | $125,993,750 | 4,039 |
| Average equity | $21,617,250 | 2,928 |
| Average total loans | $91,594,750 | 3,850 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 4,201 |
| Cost of funding earning assets | 0.7506% | 5,666 |
| Net interest margin | 4.0223% | 2,729 |
| Noninterest income to average assets | 0.8823% | 1,707 |
| Noninterest expense to average assets | 4.3874% | 674 |
| Loan and lease loss provision to assets | -0.1009% | 7,423 |
| Net operating income to assets | 0.1036% | 6,007 |
| Return on assets (ROA) | 0.1587% | 5,957 |
| Pretax return on assets | 0.0242% | 6,234 |
| Return on Equity (ROE) | 1.1012% | 6,056 |
| Retained earnings to average equity (ytd only) | 1.1012% | 5,419 |
| Net charge-offs to loans | 0.7813% | 1,940 |
| Credit loss provision to net charge-offs | -20.6612% | 6,203 |
| Earnings coverage of net charge-offs (x) | -0.2700% | 5,436 |
| Efficiency ratio | 103.0973% | 630 |
| Assets per employee ($millions) | 4.1293% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3636% | 1,646 |
| Loan loss allowance to noncurrent loans | 26.6906% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 7.9809% | 587 |
| Noncurrent loans to loans | 8.8556% | 475 |
| Net loans and leases to total assets | 59.9943% | 4,275 |
| Net loans and leases to deposits | 83.3129% | 2,214 |
| Net loans and leases to core deposits | 101.1707% | 1,242 |
| Total domestic deposits to total assets | 72.0108% | 7,005 |
| Equity capital to assets | 14.5472% | 924 |
| Core capital (leverage) ratio | 15.1862% | 633 |
| Tier 1 risk-based capital ratio | 21.5271% | 1,323 |
| Total risk-based capital ratio | 22.7872% | 1,301 |
| Memoranda: | ||
| Average total assets | $148,697,330 | 3,868 |
| Average earning assets | $124,704,000 | 4,102 |
| Average equity | $21,431,330 | 2,938 |
| Average total loans | $92,918,000 | 3,862 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 3,937 |
| Cost of funding earning assets | 0.7595% | 5,806 |
| Net interest margin | 4.0647% | 2,410 |
| Noninterest income to average assets | 0.6617% | 2,774 |
| Noninterest expense to average assets | 3.0743% | 3,364 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7543% | 3,251 |
| Return on assets (ROA) | 0.8392% | 2,893 |
| Pretax return on assets | 1.0947% | 2,777 |
| Return on Equity (ROE) | 5.8497% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.8497% | 2,725 |
| Net charge-offs to loans | 0.0171% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 343 |
| Efficiency ratio | 75.7455% | 3,199 |
| Assets per employee ($millions) | 4.2600% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7917% | 1,121 |
| Loan loss allowance to noncurrent loans | 31.9571% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 9.1999% | 468 |
| Noncurrent loans to loans | 8.7358% | 527 |
| Net loans and leases to total assets | 60.5560% | 4,159 |
| Net loans and leases to deposits | 84.0821% | 2,015 |
| Net loans and leases to core deposits | 105.6568% | 956 |
| Total domestic deposits to total assets | 72.0201% | 7,076 |
| Equity capital to assets | 14.5023% | 877 |
| Core capital (leverage) ratio | 15.5079% | 579 |
| Tier 1 risk-based capital ratio | 21.8205% | 1,257 |
| Total risk-based capital ratio | 23.0849% | 1,225 |
| Memoranda: | ||
| Average total assets | $148,719,000 | 3,898 |
| Average earning assets | $124,289,500 | 4,133 |
| Average equity | $21,334,500 | 2,941 |
| Average total loans | $93,705,500 | 3,885 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 2,740 |
| Cost of funding earning assets | 0.8235% | 6,469 |
| Net interest margin | 4.5627% | 1,099 |
| Noninterest income to average assets | 0.6859% | 2,928 |
| Noninterest expense to average assets | 3.4935% | 2,199 |
| Loan and lease loss provision to assets | 1.4330% | 1,043 |
| Net operating income to assets | -0.1468% | 6,044 |
| Return on assets (ROA) | -0.1468% | 6,104 |
| Pretax return on assets | -0.4327% | 6,271 |
| Return on Equity (ROE) | -0.9782% | 6,064 |
| Retained earnings to average equity (ytd only) | -3.3472% | 6,136 |
| Net charge-offs to loans | 1.1712% | 1,903 |
| Credit loss provision to net charge-offs | 178.2007% | 1,861 |
| Earnings coverage of net charge-offs (x) | 1.2439% | 4,858 |
| Efficiency ratio | 75.8514% | 3,074 |
| Assets per employee ($millions) | 4.1205% | 3,537 |
| Cash dividends to net income (ytd only)* | -242.1801% | 7,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7473% | 1,115 |
| Loan loss allowance to noncurrent loans | 42.4763% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 7.8847% | 637 |
| Noncurrent loans to loans | 6.4679% | 929 |
| Net loans and leases to total assets | 61.9747% | 4,292 |
| Net loans and leases to deposits | 85.7351% | 2,150 |
| Net loans and leases to core deposits | 107.7635% | 1,070 |
| Total domestic deposits to total assets | 72.2863% | 7,062 |
| Equity capital to assets | 14.1879% | 985 |
| Core capital (leverage) ratio | 15.3067% | 616 |
| Tier 1 risk-based capital ratio | 21.0500% | 1,310 |
| Total risk-based capital ratio | 22.3135% | 1,286 |
| Memoranda: | ||
| Average total assets | $143,753,800 | 3,988 |
| Average earning assets | $119,972,000 | 4,228 |
| Average equity | $21,570,200 | 2,937 |
| Average total loans | $98,700,800 | 3,836 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4582% | 2,610 |
| Cost of funding earning assets | 0.7977% | 6,774 |
| Net interest margin | 4.6605% | 924 |
| Noninterest income to average assets | 0.5984% | 3,448 |
| Noninterest expense to average assets | 3.3985% | 2,301 |
| Loan and lease loss provision to assets | 1.9260% | 631 |
| Net operating income to assets | -0.4254% | 6,540 |
| Return on assets (ROA) | -0.4254% | 6,582 |
| Pretax return on assets | -0.8368% | 6,766 |
| Return on Equity (ROE) | -2.7955% | 6,477 |
| Retained earnings to average equity (ytd only) | -5.9350% | 6,624 |
| Net charge-offs to loans | 1.5346% | 1,308 |
| Credit loss provision to net charge-offs | 179.4425% | 2,050 |
| Earnings coverage of net charge-offs (x) | 1.0148% | 5,045 |
| Efficiency ratio | 73.1875% | 3,484 |
| Assets per employee ($millions) | 4.0131% | 3,806 |
| Cash dividends to net income (ytd only)* | -112.3086% | 7,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6977% | 1,087 |
| Loan loss allowance to noncurrent loans | 42.7049% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 8.1027% | 618 |
| Noncurrent loans to loans | 6.3172% | 958 |
| Net loans and leases to total assets | 65.0352% | 3,902 |
| Net loans and leases to deposits | 93.8191% | 1,221 |
| Net loans and leases to core deposits | 115.4901% | 768 |
| Total domestic deposits to total assets | 69.3198% | 7,310 |
| Equity capital to assets | 14.7919% | 946 |
| Core capital (leverage) ratio | 16.4451% | 498 |
| Tier 1 risk-based capital ratio | 20.5005% | 1,447 |
| Total risk-based capital ratio | 21.7644% | 1,427 |
| Memoranda: | ||
| Average total assets | $142,607,750 | 4,066 |
| Average earning assets | $119,011,000 | 4,308 |
| Average equity | $21,701,250 | 2,957 |
| Average total loans | $99,743,750 | 3,867 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5798% | 2,212 |
| Cost of funding earning assets | 0.8236% | 6,836 |
| Net interest margin | 4.7562% | 714 |
| Noninterest income to average assets | 0.4944% | 4,164 |
| Noninterest expense to average assets | 3.3144% | 2,517 |
| Loan and lease loss provision to assets | 2.2129% | 540 |
| Net operating income to assets | -0.5648% | 6,716 |
| Return on assets (ROA) | -0.5648% | 6,746 |
| Pretax return on assets | -1.0550% | 6,914 |
| Return on Equity (ROE) | -3.6769% | 6,587 |
| Retained earnings to average equity (ytd only) | -8.3625% | 6,839 |
| Net charge-offs to loans | 2.2360% | 798 |
| Credit loss provision to net charge-offs | 139.3966% | 2,876 |
| Earnings coverage of net charge-offs (x) | 0.7294% | 5,017 |
| Efficiency ratio | 74.1102% | 3,456 |
| Assets per employee ($millions) | 3.7335% | 4,380 |
| Cash dividends to net income (ytd only)* | -127.4314% | 7,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1708% | 1,825 |
| Loan loss allowance to noncurrent loans | 46.3759% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 7.5171% | 677 |
| Noncurrent loans to loans | 4.6809% | 1,530 |
| Net loans and leases to total assets | 69.7167% | 2,972 |
| Net loans and leases to deposits | 97.5152% | 921 |
| Net loans and leases to core deposits | 117.0595% | 804 |
| Total domestic deposits to total assets | 71.4932% | 7,221 |
| Equity capital to assets | 15.4258% | 788 |
| Core capital (leverage) ratio | 16.3566% | 525 |
| Tier 1 risk-based capital ratio | 20.3441% | 1,457 |
| Total risk-based capital ratio | 21.6026% | 1,423 |
| Memoranda: | ||
| Average total assets | $141,986,670 | 4,095 |
| Average earning assets | $118,750,330 | 4,344 |
| Average equity | $21,811,670 | 2,936 |
| Average total loans | $100,804,330 | 3,867 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5086% | 2,542 |
| Cost of funding earning assets | 0.8255% | 7,017 |
| Net interest margin | 4.6832% | 806 |
| Noninterest income to average assets | -0.3030% | 7,824 |
| Noninterest expense to average assets | 3.2659% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3836% | 4,912 |
| Return on assets (ROA) | 0.3836% | 5,048 |
| Pretax return on assets | 0.3891% | 5,329 |
| Return on Equity (ROE) | 2.5019% | 5,559 |
| Retained earnings to average equity (ytd only) | -4.9313% | 6,583 |
| Net charge-offs to loans | 1.7336% | 999 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.3167% | 4,759 |
| Efficiency ratio | 89.3536% | 1,480 |
| Assets per employee ($millions) | 3.9333% | 4,032 |
| Cash dividends to net income (ytd only)* | 297.1014% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 5,229 |
| Loan loss allowance to noncurrent loans | 51.4815% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 4.9033% | 1,323 |
| Noncurrent loans to loans | 2.4244% | 3,249 |
| Net loans and leases to total assets | 69.9014% | 2,965 |
| Net loans and leases to deposits | 100.3264% | 732 |
| Net loans and leases to core deposits | 120.5253% | 766 |
| Total domestic deposits to total assets | 69.6740% | 7,430 |
| Equity capital to assets | 15.4833% | 770 |
| Core capital (leverage) ratio | 16.2784% | 535 |
| Tier 1 risk-based capital ratio | 20.6006% | 1,408 |
| Total risk-based capital ratio | 21.7065% | 1,403 |
| Memoranda: | ||
| Average total assets | $143,910,500 | 4,129 |
| Average earning assets | $121,627,000 | 4,337 |
| Average equity | $22,063,000 | 2,938 |
| Average total loans | $101,985,000 | 3,889 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1480% | 1,378 |
| Cost of funding earning assets | 1.0060% | 7,197 |
| Net interest margin | 5.1420% | 331 |
| Noninterest income to average assets | 0.8822% | 2,022 |
| Noninterest expense to average assets | 3.2744% | 3,108 |
| Loan and lease loss provision to assets | 0.8154% | 2,686 |
| Net operating income to assets | 0.9468% | 2,015 |
| Return on assets (ROA) | 0.9468% | 2,069 |
| Pretax return on assets | 1.2252% | 1,889 |
| Return on Equity (ROE) | 6.2548% | 3,100 |
| Retained earnings to average equity (ytd only) | 1.9379% | 3,740 |
| Net charge-offs to loans | 0.3731% | 4,346 |
| Credit loss provision to net charge-offs | 291.3706% | 1,144 |
| Earnings coverage of net charge-offs (x) | 7.2919% | 2,179 |
| Efficiency ratio | 61.6063% | 6,219 |
| Assets per employee ($millions) | 3.4005% | 5,255 |
| Cash dividends to net income (ytd only)* | 69.0173% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 3,156 |
| Loan loss allowance to noncurrent loans | 50.5222% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 4.6689% | 1,365 |
| Noncurrent loans to loans | 3.2302% | 2,364 |
| Net loans and leases to total assets | 69.7886% | 3,309 |
| Net loans and leases to deposits | 99.2337% | 972 |
| Net loans and leases to core deposits | 144.8873% | 646 |
| Total domestic deposits to total assets | 70.3275% | 7,395 |
| Equity capital to assets | 15.1837% | 876 |
| Core capital (leverage) ratio | 15.9921% | 618 |
| Tier 1 risk-based capital ratio | 20.4548% | 1,378 |
| Total risk-based capital ratio | 21.7078% | 1,347 |
| Memoranda: | ||
| Average total assets | $140,790,000 | 4,107 |
| Average earning assets | $121,373,600 | 4,279 |
| Average equity | $21,311,600 | 3,038 |
| Average total loans | $105,601,200 | 3,791 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2196% | 1,324 |
| Cost of funding earning assets | 1.0348% | 7,316 |
| Net interest margin | 5.1848% | 310 |
| Noninterest income to average assets | 0.8329% | 2,274 |
| Noninterest expense to average assets | 3.1585% | 3,438 |
| Loan and lease loss provision to assets | 1.0978% | 1,778 |
| Net operating income to assets | 0.8357% | 2,674 |
| Return on assets (ROA) | 0.8357% | 2,735 |
| Pretax return on assets | 1.0566% | 2,717 |
| Return on Equity (ROE) | 5.5256% | 3,722 |
| Retained earnings to average equity (ytd only) | -0.2908% | 5,287 |
| Net charge-offs to loans | 0.4412% | 3,479 |
| Credit loss provision to net charge-offs | 327.0655% | 1,260 |
| Earnings coverage of net charge-offs (x) | 6.4188% | 2,610 |
| Efficiency ratio | 59.4492% | 6,489 |
| Assets per employee ($millions) | 3.9598% | 3,804 |
| Cash dividends to net income (ytd only)* | 105.2639% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 3,008 |
| Loan loss allowance to noncurrent loans | 81.4641% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.7748% | 3,697 |
| Noncurrent loans to loans | 1.9581% | 3,692 |
| Net loans and leases to total assets | 75.1275% | 2,216 |
| Net loans and leases to deposits | 112.1672% | 382 |
| Net loans and leases to core deposits | 154.6096% | 485 |
| Total domestic deposits to total assets | 66.9781% | 7,640 |
| Equity capital to assets | 15.0178% | 998 |
| Core capital (leverage) ratio | 15.9872% | 680 |
| Tier 1 risk-based capital ratio | 19.8969% | 1,579 |
| Total risk-based capital ratio | 21.1495% | 1,534 |
| Memoranda: | ||
| Average total assets | $139,431,750 | 4,150 |
| Average earning assets | $120,477,250 | 4,336 |
| Average equity | $21,089,000 | 3,086 |
| Average total loans | $106,066,500 | 3,822 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2366% | 1,367 |
| Cost of funding earning assets | 1.0806% | 7,412 |
| Net interest margin | 5.1559% | 324 |
| Noninterest income to average assets | 0.7905% | 2,461 |
| Noninterest expense to average assets | 3.1649% | 3,454 |
| Loan and lease loss provision to assets | 0.4914% | 3,078 |
| Net operating income to assets | 1.2009% | 1,471 |
| Return on assets (ROA) | 1.2009% | 1,556 |
| Pretax return on assets | 1.5955% | 1,210 |
| Return on Equity (ROE) | 7.9208% | 2,807 |
| Retained earnings to average equity (ytd only) | -0.8483% | 5,440 |
| Net charge-offs to loans | 0.5364% | 2,722 |
| Credit loss provision to net charge-offs | 120.5674% | 3,849 |
| Earnings coverage of net charge-offs (x) | 5.1206% | 2,909 |
| Efficiency ratio | 60.2642% | 6,502 |
| Assets per employee ($millions) | 3.3579% | 5,167 |
| Cash dividends to net income (ytd only)* | 110.7100% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 6,735 |
| Loan loss allowance to noncurrent loans | 83.7815% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1005% | 4,761 |
| Noncurrent loans to loans | 1.0830% | 5,034 |
| Net loans and leases to total assets | 75.4098% | 2,341 |
| Net loans and leases to deposits | 110.5488% | 531 |
| Net loans and leases to core deposits | 155.2085% | 542 |
| Total domestic deposits to total assets | 68.2141% | 7,608 |
| Equity capital to assets | 14.5999% | 1,138 |
| Core capital (leverage) ratio | 16.0588% | 736 |
| Tier 1 risk-based capital ratio | 19.5560% | 1,665 |
| Total risk-based capital ratio | 20.4015% | 1,702 |
| Memoranda: | ||
| Average total assets | $138,392,000 | 4,207 |
| Average earning assets | $119,745,670 | 4,376 |
| Average equity | $20,982,670 | 3,104 |
| Average total loans | $105,145,000 | 3,890 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1933% | 1,623 |
| Cost of funding earning assets | 1.1774% | 7,348 |
| Net interest margin | 5.0159% | 386 |
| Noninterest income to average assets | 0.9188% | 1,780 |
| Noninterest expense to average assets | 3.2409% | 2,829 |
| Loan and lease loss provision to assets | 0.1182% | 5,454 |
| Net operating income to assets | 1.3945% | 1,152 |
| Return on assets (ROA) | 1.3945% | 1,241 |
| Pretax return on assets | 1.9144% | 774 |
| Return on Equity (ROE) | 9.0190% | 2,711 |
| Retained earnings to average equity (ytd only) | -6.6114% | 6,756 |
| Net charge-offs to loans | 0.1090% | 4,102 |
| Credit loss provision to net charge-offs | 142.8571% | 2,868 |
| Earnings coverage of net charge-offs (x) | 24.5714% | 1,235 |
| Efficiency ratio | 61.4566% | 6,161 |
| Assets per employee ($millions) | 3.8542% | 3,971 |
| Cash dividends to net income (ytd only)* | 173.3051% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 6,767 |
| Loan loss allowance to noncurrent loans | 61.3944% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.3679% | 3,922 |
| Noncurrent loans to loans | 1.4617% | 4,113 |
| Net loans and leases to total assets | 75.6903% | 2,346 |
| Net loans and leases to deposits | 113.5080% | 464 |
| Net loans and leases to core deposits | 152.4230% | 636 |
| Total domestic deposits to total assets | 66.6828% | 7,689 |
| Equity capital to assets | 14.9693% | 1,112 |
| Core capital (leverage) ratio | 16.9775% | 656 |
| Tier 1 risk-based capital ratio | 20.0493% | 1,613 |
| Total risk-based capital ratio | 20.8856% | 1,639 |
| Memoranda: | ||
| Average total assets | $135,392,500 | 4,304 |
| Average earning assets | $117,546,000 | 4,441 |
| Average equity | $20,933,500 | 3,128 |
| Average total loans | $102,776,500 | 3,961 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3511% | 543 |
| Cost of funding earning assets | 1.8765% | 6,803 |
| Net interest margin | 5.4746% | 215 |
| Noninterest income to average assets | 1.4188% | 715 |
| Noninterest expense to average assets | 3.7274% | 1,896 |
| Loan and lease loss provision to assets | 0.0463% | 6,837 |
| Net operating income to assets | 1.7749% | 583 |
| Return on assets (ROA) | 1.7749% | 559 |
| Pretax return on assets | 2.4175% | 237 |
| Return on Equity (ROE) | 11.1221% | 1,867 |
| Retained earnings to average equity (ytd only) | 6.1757% | 1,456 |
| Net charge-offs to loans | 0.1927% | 4,261 |
| Credit loss provision to net charge-offs | 31.5789% | 6,514 |
| Earnings coverage of net charge-offs (x) | 16.7895% | 1,817 |
| Efficiency ratio | 60.2046% | 6,299 |
| Assets per employee ($millions) | 3.3009% | 5,207 |
| Cash dividends to net income (ytd only)* | 44.4735% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 6,432 |
| Loan loss allowance to noncurrent loans | 171.6636% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 4,837 |
| Noncurrent loans to loans | 0.5493% | 5,719 |
| Net loans and leases to total assets | 74.7095% | 2,938 |
| Net loans and leases to deposits | 113.6874% | 627 |
| Net loans and leases to core deposits | 143.5774% | 1,111 |
| Total domestic deposits to total assets | 65.7149% | 7,673 |
| Equity capital to assets | 15.9785% | 940 |
| Core capital (leverage) ratio | 18.1293% | 593 |
| Tier 1 risk-based capital ratio | 21.4630% | 1,400 |
| Total risk-based capital ratio | 22.3342% | 1,418 |
| Memoranda: | ||
| Average total assets | $129,474,600 | 4,293 |
| Average earning assets | $112,867,200 | 4,450 |
| Average equity | $20,661,600 | 3,140 |
| Average total loans | $98,608,200 | 3,986 |