Home > The Havana National Bank > Performance and Condition Ratios
The Havana National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 3,065 |
| Cost of funding earning assets | 1.4531% | 3,315 |
| Net interest margin | 3.5755% | 2,127 |
| Noninterest income to average assets | 0.5000% | 1,747 |
| Noninterest expense to average assets | 2.1973% | 3,108 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 1.2368% | 1,648 |
| Return on assets (ROA) | 1.2060% | 1,726 |
| Pretax return on assets | 1.5781% | 1,351 |
| Return on Equity (ROE) | 11.0600% | 1,996 |
| Retained earnings to average equity (ytd only) | 4.2608% | 2,787 |
| Net charge-offs to loans | -0.0118% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 57.0071% | 3,301 |
| Assets per employee ($millions) | 5.5277% | 3,306 |
| Cash dividends to net income (ytd only)* | 61.4887% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 2,962 |
| Loan loss allowance to noncurrent loans | 43.3974% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5863% | 368 |
| Noncurrent loans to loans | 2.4219% | 323 |
| Net loans and leases to total assets | 64.8100% | 2,408 |
| Net loans and leases to deposits | 88.2282% | 1,283 |
| Net loans and leases to core deposits | 94.8549% | 1,712 |
| Total domestic deposits to total assets | 73.4600% | 4,096 |
| Equity capital to assets | 10.8071% | 1,761 |
| Core capital (leverage) ratio | 12.4533% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $307,463,000 | 2,446 |
| Average earning assets | $286,279,500 | 2,442 |
| Average equity | $33,514,500 | 2,288 |
| Average total loans | $204,070,000 | 2,392 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0050% | 3,097 |
| Cost of funding earning assets | 1.4412% | 3,463 |
| Net interest margin | 3.5637% | 1,943 |
| Noninterest income to average assets | 0.5500% | 1,704 |
| Noninterest expense to average assets | 2.1285% | 3,311 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.2508% | 1,393 |
| Return on assets (ROA) | 1.2508% | 1,403 |
| Pretax return on assets | 1.6395% | 1,064 |
| Return on Equity (ROE) | 12.0300% | 1,599 |
| Retained earnings to average equity (ytd only) | 7.6143% | 1,239 |
| Net charge-offs to loans | 0.0108% | 2,517 |
| Credit loss provision to net charge-offs | 1,363.6364% | 321 |
| Earnings coverage of net charge-offs (x) | 240.0909% | 449 |
| Efficiency ratio | 54.7574% | 3,664 |
| Assets per employee ($millions) | 5.3544% | 3,397 |
| Cash dividends to net income (ytd only)* | 36.7009% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 2,876 |
| Loan loss allowance to noncurrent loans | 203.7951% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 1,663 |
| Noncurrent loans to loans | 0.5224% | 1,766 |
| Net loans and leases to total assets | 66.5800% | 2,307 |
| Net loans and leases to deposits | 91.3641% | 1,094 |
| Net loans and leases to core deposits | 98.3893% | 1,558 |
| Total domestic deposits to total assets | 72.8700% | 4,120 |
| Equity capital to assets | 10.9983% | 1,587 |
| Core capital (leverage) ratio | 12.5248% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $303,875,200 | 2,441 |
| Average earning assets | $282,400,400 | 2,441 |
| Average equity | $31,598,400 | 2,311 |
| Average total loans | $203,665,800 | 2,344 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 3,104 |
| Cost of funding earning assets | 1.4022% | 3,512 |
| Net interest margin | 3.5527% | 1,915 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 2.1070% | 3,313 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.2350% | 1,448 |
| Return on assets (ROA) | 1.2350% | 1,452 |
| Pretax return on assets | 1.6172% | 1,134 |
| Return on Equity (ROE) | 12.0500% | 1,604 |
| Retained earnings to average equity (ytd only) | 6.8428% | 1,795 |
| Net charge-offs to loans | 0.0196% | 1,975 |
| Credit loss provision to net charge-offs | 816.6667% | 453 |
| Earnings coverage of net charge-offs (x) | 131.4333% | 674 |
| Efficiency ratio | 54.6970% | 3,668 |
| Assets per employee ($millions) | 5.3781% | 3,382 |
| Cash dividends to net income (ytd only)* | 43.2011% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 3,189 |
| Loan loss allowance to noncurrent loans | 131.2146% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 1,206 |
| Noncurrent loans to loans | 0.7701% | 1,284 |
| Net loans and leases to total assets | 67.8200% | 2,101 |
| Net loans and leases to deposits | 96.0085% | 723 |
| Net loans and leases to core deposits | 103.4726% | 1,265 |
| Total domestic deposits to total assets | 70.6400% | 4,202 |
| Equity capital to assets | 11.0796% | 1,696 |
| Core capital (leverage) ratio | 12.1915% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $304,882,250 | 2,439 |
| Average earning assets | $283,459,000 | 2,432 |
| Average equity | $31,253,500 | 2,325 |
| Average total loans | $204,138,750 | 2,331 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 3,256 |
| Cost of funding earning assets | 1.3419% | 3,556 |
| Net interest margin | 3.4717% | 2,027 |
| Noninterest income to average assets | 0.5000% | 1,865 |
| Noninterest expense to average assets | 2.0548% | 3,435 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.1917% | 1,494 |
| Return on assets (ROA) | 1.1917% | 1,494 |
| Pretax return on assets | 1.5621% | 1,173 |
| Return on Equity (ROE) | 11.9400% | 1,640 |
| Retained earnings to average equity (ytd only) | 5.3947% | 2,211 |
| Net charge-offs to loans | -0.0206% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.8195% | 3,678 |
| Assets per employee ($millions) | 5.5952% | 3,135 |
| Cash dividends to net income (ytd only)* | 54.8246% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,251 |
| Loan loss allowance to noncurrent loans | 29.6846% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 2.2810% | 135 |
| Noncurrent loans to loans | 3.3863% | 146 |
| Net loans and leases to total assets | 64.7800% | 2,474 |
| Net loans and leases to deposits | 85.4884% | 1,702 |
| Net loans and leases to core deposits | 92.1021% | 2,003 |
| Total domestic deposits to total assets | 75.7700% | 3,919 |
| Equity capital to assets | 9.8765% | 2,152 |
| Core capital (leverage) ratio | 12.0176% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $306,117,667 | 2,419 |
| Average earning assets | $284,818,000 | 2,415 |
| Average equity | $30,548,333 | 2,324 |
| Average total loans | $203,403,667 | 2,321 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 3,345 |
| Cost of funding earning assets | 1.3312% | 3,507 |
| Net interest margin | 3.3599% | 2,209 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 2.0363% | 3,489 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 1.1490% | 1,555 |
| Return on assets (ROA) | 1.1490% | 1,565 |
| Pretax return on assets | 1.4994% | 1,249 |
| Return on Equity (ROE) | 11.4500% | 1,726 |
| Retained earnings to average equity (ytd only) | 4.2044% | 2,645 |
| Net charge-offs to loans | 0.0257% | 1,338 |
| Credit loss provision to net charge-offs | 576.9231% | 476 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 709 |
| Efficiency ratio | 55.6930% | 3,623 |
| Assets per employee ($millions) | 5.5151% | 3,254 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,492 |
| Loan loss allowance to noncurrent loans | 118.5276% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 1,062 |
| Noncurrent loans to loans | 0.8092% | 1,092 |
| Net loans and leases to total assets | 65.7700% | 2,259 |
| Net loans and leases to deposits | 87.5522% | 1,402 |
| Net loans and leases to core deposits | 94.6037% | 1,746 |
| Total domestic deposits to total assets | 75.1200% | 4,051 |
| Equity capital to assets | 9.9911% | 2,022 |
| Core capital (leverage) ratio | 11.8620% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $302,511,500 | 2,443 |
| Average earning assets | $280,960,000 | 2,444 |
| Average equity | $30,349,500 | 2,343 |
| Average total loans | $202,590,000 | 2,326 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 3,242 |
| Cost of funding earning assets | 1.0105% | 3,272 |
| Net interest margin | 3.4100% | 2,389 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 1.9465% | 3,741 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.2019% | 1,649 |
| Return on assets (ROA) | 1.2006% | 1,625 |
| Pretax return on assets | 1.5701% | 1,292 |
| Return on Equity (ROE) | 13.0600% | 1,714 |
| Retained earnings to average equity (ytd only) | 9.3291% | 1,178 |
| Net charge-offs to loans | 0.3477% | 312 |
| Credit loss provision to net charge-offs | 88.4956% | 1,962 |
| Earnings coverage of net charge-offs (x) | 7.8864% | 2,376 |
| Efficiency ratio | 52.0666% | 3,829 |
| Assets per employee ($millions) | 5.5869% | 3,172 |
| Cash dividends to net income (ytd only)* | 28.5438% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 3,656 |
| Loan loss allowance to noncurrent loans | 160.1027% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 1,218 |
| Noncurrent loans to loans | 0.5733% | 1,366 |
| Net loans and leases to total assets | 66.9100% | 2,156 |
| Net loans and leases to deposits | 88.3501% | 1,397 |
| Net loans and leases to core deposits | 95.4126% | 1,689 |
| Total domestic deposits to total assets | 75.7400% | 3,967 |
| Equity capital to assets | 10.0742% | 1,962 |
| Core capital (leverage) ratio | 11.7645% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $302,023,000 | 2,420 |
| Average earning assets | $281,436,000 | 2,407 |
| Average equity | $27,773,400 | 2,374 |
| Average total loans | $194,986,600 | 2,320 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3576% | 3,182 |
| Cost of funding earning assets | 0.8913% | 3,294 |
| Net interest margin | 3.4663% | 2,290 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.9423% | 3,732 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.2251% | 1,715 |
| Return on assets (ROA) | 1.2251% | 1,714 |
| Pretax return on assets | 1.6043% | 1,347 |
| Return on Equity (ROE) | 13.6500% | 1,748 |
| Retained earnings to average equity (ytd only) | 9.1006% | 1,653 |
| Net charge-offs to loans | 0.0207% | 1,701 |
| Credit loss provision to net charge-offs | 1,500.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 136.1667% | 778 |
| Efficiency ratio | 51.5555% | 3,793 |
| Assets per employee ($millions) | 5.7086% | 3,012 |
| Cash dividends to net income (ytd only)* | 33.3213% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 2,658 |
| Loan loss allowance to noncurrent loans | 126.0916% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 930 |
| Noncurrent loans to loans | 0.9070% | 910 |
| Net loans and leases to total assets | 67.6500% | 2,085 |
| Net loans and leases to deposits | 90.0143% | 1,238 |
| Net loans and leases to core deposits | 95.7551% | 1,565 |
| Total domestic deposits to total assets | 75.1600% | 4,084 |
| Equity capital to assets | 9.0149% | 2,405 |
| Core capital (leverage) ratio | 11.4812% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $302,105,750 | 2,424 |
| Average earning assets | $281,676,250 | 2,403 |
| Average equity | $27,118,500 | 2,396 |
| Average total loans | $192,797,750 | 2,337 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 3,158 |
| Cost of funding earning assets | 0.7908% | 3,233 |
| Net interest margin | 3.4769% | 2,324 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 1.9261% | 3,765 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.2479% | 1,697 |
| Return on assets (ROA) | 1.2479% | 1,693 |
| Pretax return on assets | 1.6347% | 1,349 |
| Return on Equity (ROE) | 13.9200% | 1,699 |
| Retained earnings to average equity (ytd only) | 7.4558% | 2,143 |
| Net charge-offs to loans | 0.0330% | 1,239 |
| Credit loss provision to net charge-offs | 967.7419% | 422 |
| Earnings coverage of net charge-offs (x) | 89.2903% | 994 |
| Efficiency ratio | 50.9338% | 3,854 |
| Assets per employee ($millions) | 5.7792% | 2,906 |
| Cash dividends to net income (ytd only)* | 46.4437% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 2,864 |
| Loan loss allowance to noncurrent loans | 44.1282% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.6778% | 193 |
| Noncurrent loans to loans | 2.5324% | 180 |
| Net loans and leases to total assets | 65.2800% | 2,236 |
| Net loans and leases to deposits | 82.6505% | 1,788 |
| Net loans and leases to core deposits | 88.0791% | 1,922 |
| Total domestic deposits to total assets | 78.9800% | 3,724 |
| Equity capital to assets | 9.1998% | 2,376 |
| Core capital (leverage) ratio | 11.3446% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $301,955,667 | 2,433 |
| Average earning assets | $282,261,667 | 2,410 |
| Average equity | $27,066,333 | 2,412 |
| Average total loans | $188,045,000 | 2,370 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,113 |
| Cost of funding earning assets | 0.7135% | 3,016 |
| Net interest margin | 3.4488% | 2,503 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 1.9387% | 3,771 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.2119% | 1,901 |
| Return on assets (ROA) | 1.2119% | 1,861 |
| Pretax return on assets | 1.5872% | 1,493 |
| Return on Equity (ROE) | 13.7000% | 1,833 |
| Retained earnings to average equity (ytd only) | 6.2295% | 2,701 |
| Net charge-offs to loans | -0.0087% | 3,811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.7388% | 3,801 |
| Assets per employee ($millions) | 5.5866% | 3,129 |
| Cash dividends to net income (ytd only)* | 54.5256% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 2,863 |
| Loan loss allowance to noncurrent loans | 56.5510% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.2381% | 289 |
| Noncurrent loans to loans | 2.0131% | 275 |
| Net loans and leases to total assets | 60.5100% | 2,593 |
| Net loans and leases to deposits | 73.3521% | 2,353 |
| Net loans and leases to core deposits | 77.6210% | 2,415 |
| Total domestic deposits to total assets | 82.4900% | 3,406 |
| Equity capital to assets | 9.0938% | 2,443 |
| Core capital (leverage) ratio | 10.8895% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $302,674,500 | 2,455 |
| Average earning assets | $283,116,000 | 2,438 |
| Average equity | $26,776,000 | 2,445 |
| Average total loans | $182,871,500 | 2,434 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3479% | 3,476 |
| Cost of funding earning assets | 0.5397% | 1,157 |
| Net interest margin | 2.8081% | 3,878 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 1.6945% | 4,191 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1487% | 1,977 |
| Return on assets (ROA) | 1.1462% | 1,929 |
| Pretax return on assets | 1.4469% | 1,624 |
| Return on Equity (ROE) | 13.7300% | 1,596 |
| Retained earnings to average equity (ytd only) | 10.2709% | 1,075 |
| Net charge-offs to loans | 0.1182% | 643 |
| Credit loss provision to net charge-offs | 113.2075% | 1,492 |
| Earnings coverage of net charge-offs (x) | 23.0377% | 1,827 |
| Efficiency ratio | 52.3034% | 3,956 |
| Assets per employee ($millions) | 5.7296% | 3,005 |
| Cash dividends to net income (ytd only)* | 25.1975% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 3,007 |
| Loan loss allowance to noncurrent loans | 90.1852% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 650 |
| Noncurrent loans to loans | 1.1927% | 593 |
| Net loans and leases to total assets | 59.0000% | 2,732 |
| Net loans and leases to deposits | 72.0168% | 2,406 |
| Net loans and leases to core deposits | 75.0622% | 2,495 |
| Total domestic deposits to total assets | 81.9200% | 3,642 |
| Equity capital to assets | 8.6008% | 2,631 |
| Core capital (leverage) ratio | 10.8421% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $320,273,200 | 2,350 |
| Average earning assets | $300,697,200 | 2,329 |
| Average equity | $26,735,600 | 2,496 |
| Average total loans | $179,374,400 | 2,379 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1295% | 3,603 |
| Cost of funding earning assets | 0.5359% | 618 |
| Net interest margin | 2.5936% | 4,111 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.6681% | 4,208 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9861% | 2,523 |
| Return on assets (ROA) | 0.9868% | 2,497 |
| Pretax return on assets | 1.2091% | 2,331 |
| Return on Equity (ROE) | 11.9000% | 2,069 |
| Retained earnings to average equity (ytd only) | 7.5416% | 2,173 |
| Net charge-offs to loans | 0.0469% | 1,015 |
| Credit loss provision to net charge-offs | 285.7143% | 835 |
| Earnings coverage of net charge-offs (x) | 49.5238% | 1,290 |
| Efficiency ratio | 56.1777% | 3,611 |
| Assets per employee ($millions) | 5.6272% | 3,101 |
| Cash dividends to net income (ytd only)* | 36.6514% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,180 |
| Loan loss allowance to noncurrent loans | 89.0297% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 646 |
| Noncurrent loans to loans | 1.1951% | 617 |
| Net loans and leases to total assets | 62.3300% | 2,250 |
| Net loans and leases to deposits | 76.3342% | 1,850 |
| Net loans and leases to core deposits | 79.7419% | 1,918 |
| Total domestic deposits to total assets | 81.6600% | 3,884 |
| Equity capital to assets | 7.9393% | 2,937 |
| Core capital (leverage) ratio | 9.9737% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $324,423,750 | 2,349 |
| Average earning assets | $305,003,750 | 2,324 |
| Average equity | $26,890,000 | 2,520 |
| Average total loans | $178,942,500 | 2,387 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8131% | 3,952 |
| Cost of funding earning assets | 0.5405% | 420 |
| Net interest margin | 2.2727% | 4,357 |
| Noninterest income to average assets | 0.4866% | 2,273 |
| Noninterest expense to average assets | 1.6174% | 4,286 |
| Loan and lease loss provision to assets | 0.0724% | 1,327 |
| Net operating income to assets | 0.8182% | 2,893 |
| Return on assets (ROA) | 0.8193% | 2,863 |
| Pretax return on assets | 0.9406% | 2,925 |
| Return on Equity (ROE) | 9.7585% | 2,421 |
| Retained earnings to average equity (ytd only) | 4.0055% | 3,077 |
| Net charge-offs to loans | 0.0435% | 954 |
| Credit loss provision to net charge-offs | 315.7895% | 783 |
| Earnings coverage of net charge-offs (x) | 44.1053% | 1,213 |
| Efficiency ratio | 61.1251% | 3,166 |
| Assets per employee ($millions) | 5.8094% | 2,913 |
| Cash dividends to net income (ytd only)* | 58.9536% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,195 |
| Loan loss allowance to noncurrent loans | 87.8070% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 711 |
| Noncurrent loans to loans | 1.2446% | 633 |
| Net loans and leases to total assets | 56.7055% | 2,678 |
| Net loans and leases to deposits | 69.6020% | 2,252 |
| Net loans and leases to core deposits | 72.7047% | 2,264 |
| Total domestic deposits to total assets | 81.4710% | 4,072 |
| Equity capital to assets | 8.1323% | 3,018 |
| Core capital (leverage) ratio | 9.2407% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,275,000 | 2,319 |
| Average earning assets | $312,321,333 | 2,313 |
| Average equity | $27,811,667 | 2,534 |
| Average total loans | $174,774,000 | 2,422 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5652% | 4,180 |
| Cost of funding earning assets | 0.5505% | 371 |
| Net interest margin | 2.0147% | 4,506 |
| Noninterest income to average assets | 0.4769% | 2,263 |
| Noninterest expense to average assets | 1.5744% | 4,336 |
| Loan and lease loss provision to assets | 0.0712% | 1,155 |
| Net operating income to assets | 0.5830% | 3,456 |
| Return on assets (ROA) | 0.5849% | 3,428 |
| Pretax return on assets | 0.7356% | 3,293 |
| Return on Equity (ROE) | 6.8650% | 3,081 |
| Retained earnings to average equity (ytd only) | -0.0975% | 4,025 |
| Net charge-offs to loans | 0.1008% | 514 |
| Credit loss provision to net charge-offs | 139.5349% | 884 |
| Earnings coverage of net charge-offs (x) | 15.7674% | 1,344 |
| Efficiency ratio | 65.7357% | 2,798 |
| Assets per employee ($millions) | 6.6597% | 2,256 |
| Cash dividends to net income (ytd only)* | 101.4199% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,230 |
| Loan loss allowance to noncurrent loans | 66.7471% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8945% | 600 |
| Noncurrent loans to loans | 1.6808% | 467 |
| Net loans and leases to total assets | 50.2648% | 3,148 |
| Net loans and leases to deposits | 63.7978% | 2,551 |
| Net loans and leases to core deposits | 66.6358% | 2,566 |
| Total domestic deposits to total assets | 78.7877% | 4,359 |
| Equity capital to assets | 7.9344% | 3,619 |
| Core capital (leverage) ratio | 8.8018% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,154,500 | 2,312 |
| Average earning assets | $318,255,500 | 2,296 |
| Average equity | $28,725,500 | 2,550 |
| Average total loans | $170,568,500 | 2,453 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7115% | 4,303 |
| Cost of funding earning assets | 0.6420% | 441 |
| Net interest margin | 2.0695% | 4,562 |
| Noninterest income to average assets | 0.4551% | 2,793 |
| Noninterest expense to average assets | 1.6883% | 4,312 |
| Loan and lease loss provision to assets | 0.0747% | 1,617 |
| Net operating income to assets | 0.5154% | 4,050 |
| Return on assets (ROA) | 0.5174% | 4,093 |
| Pretax return on assets | 0.6462% | 4,044 |
| Return on Equity (ROE) | 5.4807% | 3,887 |
| Retained earnings to average equity (ytd only) | 2.2839% | 3,894 |
| Net charge-offs to loans | 0.0097% | 2,203 |
| Credit loss provision to net charge-offs | 1,500.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 144.3125% | 683 |
| Efficiency ratio | 69.7130% | 1,773 |
| Assets per employee ($millions) | 6.4358% | 2,383 |
| Cash dividends to net income (ytd only)* | 58.3283% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 3,175 |
| Loan loss allowance to noncurrent loans | 70.0986% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 667 |
| Noncurrent loans to loans | 1.6257% | 530 |
| Net loans and leases to total assets | 49.7687% | 3,313 |
| Net loans and leases to deposits | 64.3992% | 2,653 |
| Net loans and leases to core deposits | 67.8680% | 2,660 |
| Total domestic deposits to total assets | 77.2816% | 4,448 |
| Equity capital to assets | 9.1143% | 3,499 |
| Core capital (leverage) ratio | 9.0320% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,440,400 | 2,338 |
| Average earning assets | $303,117,200 | 2,321 |
| Average equity | $30,343,000 | 2,513 |
| Average total loans | $165,635,400 | 2,506 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7062% | 4,399 |
| Cost of funding earning assets | 0.6545% | 488 |
| Net interest margin | 2.0516% | 4,653 |
| Noninterest income to average assets | 0.4426% | 2,879 |
| Noninterest expense to average assets | 1.6408% | 4,413 |
| Loan and lease loss provision to assets | 0.0754% | 1,540 |
| Net operating income to assets | 0.5275% | 4,147 |
| Return on assets (ROA) | 0.5302% | 4,189 |
| Pretax return on assets | 0.6647% | 4,131 |
| Return on Equity (ROE) | 5.5658% | 4,005 |
| Retained earnings to average equity (ytd only) | 1.3860% | 4,329 |
| Net charge-offs to loans | -0.0340% | 4,190 |
| Credit loss provision to net charge-offs | -428.5714% | 3,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5528% | 1,752 |
| Assets per employee ($millions) | 6.0894% | 2,598 |
| Cash dividends to net income (ytd only)* | 75.0988% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 3,486 |
| Loan loss allowance to noncurrent loans | 67.0629% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0188% | 640 |
| Noncurrent loans to loans | 1.6253% | 628 |
| Net loans and leases to total assets | 53.9292% | 2,979 |
| Net loans and leases to deposits | 70.5565% | 2,183 |
| Net loans and leases to core deposits | 74.4196% | 2,196 |
| Total domestic deposits to total assets | 76.4340% | 4,522 |
| Equity capital to assets | 9.4850% | 3,386 |
| Core capital (leverage) ratio | 9.1144% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,135,000 | 2,377 |
| Average earning assets | $300,049,250 | 2,360 |
| Average equity | $30,303,250 | 2,544 |
| Average total loans | $164,925,000 | 2,548 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6615% | 4,496 |
| Cost of funding earning assets | 0.6580% | 542 |
| Net interest margin | 2.0034% | 4,706 |
| Noninterest income to average assets | 0.4245% | 2,982 |
| Noninterest expense to average assets | 1.7783% | 4,229 |
| Loan and lease loss provision to assets | 0.0758% | 1,571 |
| Net operating income to assets | 0.3864% | 4,411 |
| Return on assets (ROA) | 0.3885% | 4,445 |
| Pretax return on assets | 0.4675% | 4,433 |
| Return on Equity (ROE) | 4.0728% | 4,318 |
| Retained earnings to average equity (ytd only) | -2.2185% | 4,678 |
| Net charge-offs to loans | -0.0124% | 3,763 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2190% | 1,062 |
| Assets per employee ($millions) | 6.0072% | 2,599 |
| Cash dividends to net income (ytd only)* | 154.4715% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 3,332 |
| Loan loss allowance to noncurrent loans | 52.7898% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.1983% | 572 |
| Noncurrent loans to loans | 2.1194% | 439 |
| Net loans and leases to total assets | 49.7495% | 3,576 |
| Net loans and leases to deposits | 64.7852% | 2,918 |
| Net loans and leases to core deposits | 68.2801% | 2,936 |
| Total domestic deposits to total assets | 76.7914% | 4,524 |
| Equity capital to assets | 9.2318% | 3,580 |
| Core capital (leverage) ratio | 8.9950% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,600,000 | 2,379 |
| Average earning assets | $299,385,000 | 2,358 |
| Average equity | $30,200,333 | 2,536 |
| Average total loans | $161,243,667 | 2,589 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7124% | 4,462 |
| Cost of funding earning assets | 0.6795% | 594 |
| Net interest margin | 2.0330% | 4,715 |
| Noninterest income to average assets | 0.4119% | 3,031 |
| Noninterest expense to average assets | 1.7857% | 4,240 |
| Loan and lease loss provision to assets | 0.0767% | 1,659 |
| Net operating income to assets | 0.3914% | 4,372 |
| Return on assets (ROA) | 0.3914% | 4,399 |
| Pretax return on assets | 0.4707% | 4,394 |
| Return on Equity (ROE) | 4.0360% | 4,280 |
| Retained earnings to average equity (ytd only) | -3.8777% | 4,644 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0417% | 1,131 |
| Assets per employee ($millions) | 6.0761% | 2,523 |
| Cash dividends to net income (ytd only)* | 196.0784% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,360 |
| Loan loss allowance to noncurrent loans | 36.5986% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 362 |
| Noncurrent loans to loans | 3.0433% | 253 |
| Net loans and leases to total assets | 48.4121% | 3,767 |
| Net loans and leases to deposits | 63.4894% | 3,171 |
| Net loans and leases to core deposits | 66.7752% | 3,173 |
| Total domestic deposits to total assets | 76.2523% | 4,569 |
| Equity capital to assets | 9.2805% | 3,419 |
| Core capital (leverage) ratio | 9.2213% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,705,500 | 2,384 |
| Average earning assets | $295,531,000 | 2,361 |
| Average equity | $30,327,000 | 2,518 |
| Average total loans | $160,261,500 | 2,602 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4679% | 4,081 |
| Cost of funding earning assets | 0.7989% | 1,217 |
| Net interest margin | 2.6689% | 4,420 |
| Noninterest income to average assets | 0.4431% | 2,902 |
| Noninterest expense to average assets | 1.9133% | 4,301 |
| Loan and lease loss provision to assets | 0.0847% | 3,318 |
| Net operating income to assets | 0.7431% | 3,285 |
| Return on assets (ROA) | 0.7473% | 3,395 |
| Pretax return on assets | 0.9561% | 3,196 |
| Return on Equity (ROE) | 7.1074% | 3,169 |
| Retained earnings to average equity (ytd only) | 3.7181% | 2,970 |
| Net charge-offs to loans | 0.2102% | 826 |
| Credit loss provision to net charge-offs | 65.5738% | 3,068 |
| Earnings coverage of net charge-offs (x) | 8.0191% | 2,642 |
| Efficiency ratio | 64.2857% | 2,773 |
| Assets per employee ($millions) | 5.7242% | 2,602 |
| Cash dividends to net income (ytd only)* | 47.6865% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 3,712 |
| Loan loss allowance to noncurrent loans | 38.6861% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.5954% | 438 |
| Noncurrent loans to loans | 2.6918% | 353 |
| Net loans and leases to total assets | 53.1245% | 3,571 |
| Net loans and leases to deposits | 71.1855% | 2,767 |
| Net loans and leases to core deposits | 75.2409% | 2,798 |
| Total domestic deposits to total assets | 74.6282% | 4,603 |
| Equity capital to assets | 10.1417% | 2,989 |
| Core capital (leverage) ratio | 9.6301% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,431,000 | 2,382 |
| Average earning assets | $266,100,600 | 2,363 |
| Average equity | $29,799,800 | 2,486 |
| Average total loans | $174,080,000 | 2,455 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 4,023 |
| Cost of funding earning assets | 0.8088% | 1,455 |
| Net interest margin | 2.7843% | 4,361 |
| Noninterest income to average assets | 0.4616% | 2,780 |
| Noninterest expense to average assets | 1.9182% | 4,296 |
| Loan and lease loss provision to assets | 0.0862% | 3,233 |
| Net operating income to assets | 0.8289% | 2,982 |
| Return on assets (ROA) | 0.8346% | 3,092 |
| Pretax return on assets | 1.0755% | 2,827 |
| Return on Equity (ROE) | 7.8624% | 2,859 |
| Retained earnings to average equity (ytd only) | 3.3515% | 3,374 |
| Net charge-offs to loans | 0.0497% | 1,900 |
| Credit loss provision to net charge-offs | 272.7273% | 1,846 |
| Earnings coverage of net charge-offs (x) | 36.5303% | 1,429 |
| Efficiency ratio | 61.7734% | 3,109 |
| Assets per employee ($millions) | 5.7294% | 2,518 |
| Cash dividends to net income (ytd only)* | 57.3723% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,186 |
| Loan loss allowance to noncurrent loans | 31.0306% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 2.2378% | 264 |
| Noncurrent loans to loans | 3.5583% | 219 |
| Net loans and leases to total assets | 58.2021% | 3,396 |
| Net loans and leases to deposits | 79.9187% | 2,323 |
| Net loans and leases to core deposits | 84.3370% | 2,442 |
| Total domestic deposits to total assets | 72.8266% | 4,651 |
| Equity capital to assets | 10.1910% | 3,076 |
| Core capital (leverage) ratio | 9.9072% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,443,750 | 2,390 |
| Average earning assets | $261,120,750 | 2,369 |
| Average equity | $29,557,750 | 2,494 |
| Average total loans | $176,883,750 | 2,433 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 4,015 |
| Cost of funding earning assets | 0.8181% | 1,743 |
| Net interest margin | 2.9156% | 4,283 |
| Noninterest income to average assets | 0.4619% | 2,754 |
| Noninterest expense to average assets | 2.0121% | 4,210 |
| Loan and lease loss provision to assets | 0.0883% | 3,174 |
| Net operating income to assets | 0.8502% | 2,867 |
| Return on assets (ROA) | 0.8502% | 2,983 |
| Pretax return on assets | 1.0951% | 2,721 |
| Return on Equity (ROE) | 7.8936% | 2,791 |
| Retained earnings to average equity (ytd only) | 2.0895% | 3,717 |
| Net charge-offs to loans | 0.0451% | 1,847 |
| Credit loss provision to net charge-offs | 300.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 40.2250% | 1,244 |
| Efficiency ratio | 62.2555% | 3,081 |
| Assets per employee ($millions) | 5.8621% | 2,305 |
| Cash dividends to net income (ytd only)* | 73.5294% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,111 |
| Loan loss allowance to noncurrent loans | 26.3983% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 2.6042% | 209 |
| Noncurrent loans to loans | 4.1359% | 158 |
| Net loans and leases to total assets | 58.7861% | 3,443 |
| Net loans and leases to deposits | 79.7801% | 2,449 |
| Net loans and leases to core deposits | 84.5179% | 2,568 |
| Total domestic deposits to total assets | 73.6852% | 4,611 |
| Equity capital to assets | 10.2039% | 3,015 |
| Core capital (leverage) ratio | 10.1490% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,948,000 | 2,404 |
| Average earning assets | $254,971,667 | 2,381 |
| Average equity | $29,289,667 | 2,502 |
| Average total loans | $177,399,000 | 2,421 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 3,556 |
| Cost of funding earning assets | 0.8272% | 2,236 |
| Net interest margin | 3.2614% | 3,690 |
| Noninterest income to average assets | 0.5066% | 2,520 |
| Noninterest expense to average assets | 2.1181% | 4,182 |
| Loan and lease loss provision to assets | 0.0918% | 2,538 |
| Net operating income to assets | 1.0361% | 2,056 |
| Return on assets (ROA) | 1.0361% | 2,153 |
| Pretax return on assets | 1.3498% | 1,718 |
| Return on Equity (ROE) | 9.3442% | 1,984 |
| Retained earnings to average equity (ytd only) | 1.0628% | 3,726 |
| Net charge-offs to loans | 0.0134% | 2,118 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 415 |
| Efficiency ratio | 58.8564% | 3,892 |
| Assets per employee ($millions) | 5.0285% | 2,618 |
| Cash dividends to net income (ytd only)* | 88.6263% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 3,376 |
| Loan loss allowance to noncurrent loans | 34.6829% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.1958% | 345 |
| Noncurrent loans to loans | 3.0710% | 341 |
| Net loans and leases to total assets | 65.3833% | 2,887 |
| Net loans and leases to deposits | 85.6252% | 2,047 |
| Net loans and leases to core deposits | 90.1558% | 2,328 |
| Total domestic deposits to total assets | 76.3599% | 4,437 |
| Equity capital to assets | 10.8516% | 2,988 |
| Core capital (leverage) ratio | 10.9649% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,369,500 | 2,425 |
| Average earning assets | $244,681,500 | 2,412 |
| Average equity | $28,980,500 | 2,515 |
| Average total loans | $178,995,000 | 2,370 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 3,189 |
| Cost of funding earning assets | 0.7978% | 2,694 |
| Net interest margin | 3.6216% | 3,072 |
| Noninterest income to average assets | 0.6188% | 2,139 |
| Noninterest expense to average assets | 2.1426% | 4,285 |
| Loan and lease loss provision to assets | 0.4253% | 326 |
| Net operating income to assets | 1.1020% | 2,439 |
| Return on assets (ROA) | 1.0969% | 2,555 |
| Pretax return on assets | 1.4312% | 2,038 |
| Return on Equity (ROE) | 9.9338% | 2,324 |
| Retained earnings to average equity (ytd only) | 6.3886% | 1,678 |
| Net charge-offs to loans | 0.6018% | 311 |
| Credit loss provision to net charge-offs | 97.8062% | 2,538 |
| Earnings coverage of net charge-offs (x) | 4.2843% | 3,232 |
| Efficiency ratio | 52.8776% | 4,531 |
| Assets per employee ($millions) | 4.9274% | 2,674 |
| Cash dividends to net income (ytd only)* | 35.6884% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,497 |
| Loan loss allowance to noncurrent loans | 32.1454% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 2.3764% | 286 |
| Noncurrent loans to loans | 3.1167% | 290 |
| Net loans and leases to total assets | 70.2649% | 2,355 |
| Net loans and leases to deposits | 93.5189% | 1,202 |
| Net loans and leases to core deposits | 98.6980% | 1,678 |
| Total domestic deposits to total assets | 75.1345% | 4,692 |
| Equity capital to assets | 11.3337% | 2,673 |
| Core capital (leverage) ratio | 10.9820% | 2,518 |
| Tier 1 risk-based capital ratio | 13.8920% | 3,317 |
| Total risk-based capital ratio | 14.7915% | 3,398 |
| Memoranda: | ||
| Average total assets | $251,611,800 | 2,451 |
| Average earning assets | $235,282,800 | 2,440 |
| Average equity | $27,784,000 | 2,507 |
| Average total loans | $181,780,200 | 2,299 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 3,172 |
| Cost of funding earning assets | 0.7775% | 2,830 |
| Net interest margin | 3.6843% | 2,969 |
| Noninterest income to average assets | 0.5590% | 2,413 |
| Noninterest expense to average assets | 2.1427% | 4,287 |
| Loan and lease loss provision to assets | 0.0958% | 1,998 |
| Net operating income to assets | 1.3371% | 1,689 |
| Return on assets (ROA) | 1.3303% | 1,795 |
| Pretax return on assets | 1.7578% | 1,186 |
| Return on Equity (ROE) | 12.1293% | 1,568 |
| Retained earnings to average equity (ytd only) | 7.3485% | 1,692 |
| Net charge-offs to loans | 0.0638% | 1,908 |
| Credit loss provision to net charge-offs | 206.8966% | 1,276 |
| Earnings coverage of net charge-offs (x) | 40.2059% | 1,374 |
| Efficiency ratio | 52.8911% | 4,519 |
| Assets per employee ($millions) | 4.7075% | 2,907 |
| Cash dividends to net income (ytd only)* | 39.4157% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,421 |
| Loan loss allowance to noncurrent loans | 33.3620% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.4441% | 287 |
| Noncurrent loans to loans | 3.0746% | 308 |
| Net loans and leases to total assets | 73.5987% | 1,898 |
| Net loans and leases to deposits | 98.8159% | 735 |
| Net loans and leases to core deposits | 104.0828% | 1,317 |
| Total domestic deposits to total assets | 74.4806% | 4,782 |
| Equity capital to assets | 11.3388% | 2,805 |
| Core capital (leverage) ratio | 10.8854% | 2,750 |
| Tier 1 risk-based capital ratio | 13.2693% | 3,705 |
| Total risk-based capital ratio | 14.1927% | 3,773 |
| Memoranda: | ||
| Average total assets | $250,458,250 | 2,481 |
| Average earning assets | $234,248,000 | 2,463 |
| Average equity | $27,470,000 | 2,542 |
| Average total loans | $181,760,500 | 2,323 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 3,415 |
| Cost of funding earning assets | 0.7386% | 2,951 |
| Net interest margin | 3.6328% | 3,153 |
| Noninterest income to average assets | 0.5168% | 2,584 |
| Noninterest expense to average assets | 2.1259% | 4,365 |
| Loan and lease loss provision to assets | 0.0963% | 1,931 |
| Net operating income to assets | 1.2854% | 1,828 |
| Return on assets (ROA) | 1.2752% | 1,927 |
| Pretax return on assets | 1.6805% | 1,319 |
| Return on Equity (ROE) | 11.7622% | 1,672 |
| Retained earnings to average equity (ytd only) | 4.8411% | 2,843 |
| Net charge-offs to loans | 0.0268% | 2,317 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 92.9167% | 731 |
| Efficiency ratio | 53.6585% | 4,508 |
| Assets per employee ($millions) | 4.6310% | 2,960 |
| Cash dividends to net income (ytd only)* | 58.8420% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,345 |
| Loan loss allowance to noncurrent loans | 41.7994% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.9682% | 477 |
| Noncurrent loans to loans | 2.5065% | 476 |
| Net loans and leases to total assets | 72.0123% | 2,215 |
| Net loans and leases to deposits | 95.9681% | 1,042 |
| Net loans and leases to core deposits | 101.3628% | 1,608 |
| Total domestic deposits to total assets | 75.0378% | 4,763 |
| Equity capital to assets | 10.9283% | 3,152 |
| Core capital (leverage) ratio | 10.8882% | 2,704 |
| Tier 1 risk-based capital ratio | 13.1803% | 3,744 |
| Total risk-based capital ratio | 14.1287% | 3,805 |
| Memoranda: | ||
| Average total assets | $249,208,670 | 2,497 |
| Average earning assets | $233,153,670 | 2,476 |
| Average equity | $27,018,670 | 2,566 |
| Average total loans | $179,336,670 | 2,349 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 3,555 |
| Cost of funding earning assets | 0.7228% | 2,928 |
| Net interest margin | 3.5773% | 3,339 |
| Noninterest income to average assets | 0.5064% | 2,517 |
| Noninterest expense to average assets | 2.0125% | 4,620 |
| Loan and lease loss provision to assets | 0.0974% | 1,801 |
| Net operating income to assets | 1.3173% | 1,637 |
| Return on assets (ROA) | 1.2968% | 1,747 |
| Pretax return on assets | 1.7122% | 1,182 |
| Return on Equity (ROE) | 12.0103% | 1,524 |
| Retained earnings to average equity (ytd only) | 2.9913% | 3,737 |
| Net charge-offs to loans | 0.0159% | 2,159 |
| Credit loss provision to net charge-offs | 857.1429% | 424 |
| Earnings coverage of net charge-offs (x) | 161.5714% | 474 |
| Efficiency ratio | 51.6660% | 4,719 |
| Assets per employee ($millions) | 4.9674% | 2,564 |
| Cash dividends to net income (ytd only)* | 75.0939% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 3,289 |
| Loan loss allowance to noncurrent loans | 70.7526% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.2268% | 1,086 |
| Noncurrent loans to loans | 1.5134% | 1,061 |
| Net loans and leases to total assets | 69.2537% | 2,589 |
| Net loans and leases to deposits | 89.5219% | 1,686 |
| Net loans and leases to core deposits | 94.4991% | 2,081 |
| Total domestic deposits to total assets | 77.3595% | 4,614 |
| Equity capital to assets | 10.6593% | 3,195 |
| Core capital (leverage) ratio | 10.9334% | 2,631 |
| Tier 1 risk-based capital ratio | 13.5332% | 3,585 |
| Total risk-based capital ratio | 14.5023% | 3,645 |
| Memoranda: | ||
| Average total assets | $246,460,500 | 2,538 |
| Average earning assets | $230,231,500 | 2,520 |
| Average equity | $26,610,500 | 2,600 |
| Average total loans | $176,324,500 | 2,406 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3036% | 3,102 |
| Cost of funding earning assets | 0.6628% | 2,304 |
| Net interest margin | 3.6408% | 3,251 |
| Noninterest income to average assets | 0.5613% | 2,484 |
| Noninterest expense to average assets | 2.1498% | 4,448 |
| Loan and lease loss provision to assets | 0.1602% | 1,281 |
| Net operating income to assets | 1.2578% | 1,951 |
| Return on assets (ROA) | 1.2486% | 1,978 |
| Pretax return on assets | 1.6401% | 1,343 |
| Return on Equity (ROE) | 11.9773% | 1,725 |
| Retained earnings to average equity (ytd only) | 7.8265% | 1,317 |
| Net charge-offs to loans | 0.1518% | 1,259 |
| Credit loss provision to net charge-offs | 145.2830% | 1,873 |
| Earnings coverage of net charge-offs (x) | 16.4340% | 2,246 |
| Efficiency ratio | 53.6127% | 4,650 |
| Assets per employee ($millions) | 4.6074% | 3,011 |
| Cash dividends to net income (ytd only)* | 34.6551% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,361 |
| Loan loss allowance to noncurrent loans | 80.5059% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 1,212 |
| Noncurrent loans to loans | 1.3080% | 1,204 |
| Net loans and leases to total assets | 72.4000% | 2,190 |
| Net loans and leases to deposits | 95.2009% | 1,153 |
| Net loans and leases to core deposits | 100.4337% | 1,684 |
| Total domestic deposits to total assets | 76.0496% | 4,750 |
| Equity capital to assets | 10.9428% | 2,742 |
| Core capital (leverage) ratio | 10.7698% | 2,767 |
| Tier 1 risk-based capital ratio | 13.4639% | 3,566 |
| Total risk-based capital ratio | 14.4088% | 3,639 |
| Memoranda: | ||
| Average total assets | $240,348,400 | 2,547 |
| Average earning assets | $224,485,800 | 2,526 |
| Average equity | $25,055,800 | 2,641 |
| Average total loans | $174,555,600 | 2,387 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 3,210 |
| Cost of funding earning assets | 0.6274% | 2,287 |
| Net interest margin | 3.6014% | 3,356 |
| Noninterest income to average assets | 0.5560% | 2,542 |
| Noninterest expense to average assets | 2.1734% | 4,384 |
| Loan and lease loss provision to assets | 0.2051% | 833 |
| Net operating income to assets | 1.1807% | 2,315 |
| Return on assets (ROA) | 1.1685% | 2,382 |
| Pretax return on assets | 1.5282% | 1,814 |
| Return on Equity (ROE) | 11.3489% | 2,035 |
| Retained earnings to average equity (ytd only) | 6.5843% | 2,346 |
| Net charge-offs to loans | 0.2156% | 788 |
| Credit loss provision to net charge-offs | 131.2057% | 1,880 |
| Earnings coverage of net charge-offs (x) | 11.1880% | 2,534 |
| Efficiency ratio | 54.7626% | 4,530 |
| Assets per employee ($millions) | 4.7270% | 2,810 |
| Cash dividends to net income (ytd only)* | 41.9829% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,799 |
| Loan loss allowance to noncurrent loans | 38.1895% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.1460% | 474 |
| Noncurrent loans to loans | 2.6057% | 489 |
| Net loans and leases to total assets | 73.4235% | 2,091 |
| Net loans and leases to deposits | 96.8406% | 1,055 |
| Net loans and leases to core deposits | 102.2318% | 1,594 |
| Total domestic deposits to total assets | 75.8189% | 4,807 |
| Equity capital to assets | 10.2057% | 3,445 |
| Core capital (leverage) ratio | 10.5594% | 3,019 |
| Tier 1 risk-based capital ratio | 12.5762% | 4,169 |
| Total risk-based capital ratio | 13.4691% | 4,253 |
| Memoranda: | ||
| Average total assets | $240,539,750 | 2,551 |
| Average earning assets | $224,833,250 | 2,538 |
| Average equity | $24,765,500 | 2,674 |
| Average total loans | $174,368,500 | 2,398 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 3,271 |
| Cost of funding earning assets | 0.5932% | 2,271 |
| Net interest margin | 3.5589% | 3,438 |
| Noninterest income to average assets | 0.5453% | 2,596 |
| Noninterest expense to average assets | 2.1936% | 4,385 |
| Loan and lease loss provision to assets | 0.0921% | 2,079 |
| Net operating income to assets | 1.2168% | 2,119 |
| Return on assets (ROA) | 1.2002% | 2,197 |
| Pretax return on assets | 1.5705% | 1,601 |
| Return on Equity (ROE) | 11.6227% | 1,864 |
| Retained earnings to average equity (ytd only) | 5.1341% | 3,010 |
| Net charge-offs to loans | 0.1258% | 1,173 |
| Credit loss provision to net charge-offs | 101.8519% | 1,986 |
| Earnings coverage of net charge-offs (x) | 18.6111% | 1,894 |
| Efficiency ratio | 55.9084% | 4,486 |
| Assets per employee ($millions) | 4.4530% | 3,199 |
| Cash dividends to net income (ytd only)* | 55.8269% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 3,872 |
| Loan loss allowance to noncurrent loans | 38.0533% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 2.0623% | 508 |
| Noncurrent loans to loans | 2.6161% | 477 |
| Net loans and leases to total assets | 71.4677% | 2,369 |
| Net loans and leases to deposits | 89.7883% | 1,864 |
| Net loans and leases to core deposits | 94.9076% | 2,147 |
| Total domestic deposits to total assets | 79.5957% | 4,333 |
| Equity capital to assets | 10.3055% | 3,336 |
| Core capital (leverage) ratio | 10.5357% | 2,996 |
| Tier 1 risk-based capital ratio | 12.9734% | 3,906 |
| Total risk-based capital ratio | 13.8721% | 4,016 |
| Memoranda: | ||
| Average total assets | $238,785,000 | 2,572 |
| Average earning assets | $223,549,330 | 2,563 |
| Average equity | $24,658,670 | 2,687 |
| Average total loans | $171,727,330 | 2,438 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 3,280 |
| Cost of funding earning assets | 0.5749% | 2,212 |
| Net interest margin | 3.5121% | 3,492 |
| Noninterest income to average assets | 0.5463% | 2,539 |
| Noninterest expense to average assets | 2.1921% | 4,441 |
| Loan and lease loss provision to assets | 0.0756% | 2,252 |
| Net operating income to assets | 1.1982% | 2,011 |
| Return on assets (ROA) | 1.1650% | 2,171 |
| Pretax return on assets | 1.5230% | 1,621 |
| Return on Equity (ROE) | 11.2694% | 1,866 |
| Retained earnings to average equity (ytd only) | 3.9516% | 3,609 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5351% | 4,514 |
| Assets per employee ($millions) | 4.5011% | 3,154 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,771 |
| Loan loss allowance to noncurrent loans | 77.7436% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.1372% | 1,356 |
| Noncurrent loans to loans | 1.3269% | 1,346 |
| Net loans and leases to total assets | 71.2231% | 2,291 |
| Net loans and leases to deposits | 87.3820% | 2,007 |
| Net loans and leases to core deposits | 92.1051% | 2,296 |
| Total domestic deposits to total assets | 81.5077% | 4,090 |
| Equity capital to assets | 10.2633% | 3,320 |
| Core capital (leverage) ratio | 10.3775% | 3,084 |
| Tier 1 risk-based capital ratio | 12.4615% | 4,270 |
| Total risk-based capital ratio | 13.3608% | 4,377 |
| Memoranda: | ||
| Average total assets | $237,945,500 | 2,602 |
| Average earning assets | $222,657,000 | 2,591 |
| Average equity | $24,597,500 | 2,715 |
| Average total loans | $170,800,000 | 2,464 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 3,073 |
| Cost of funding earning assets | 0.5544% | 1,915 |
| Net interest margin | 3.5414% | 3,371 |
| Noninterest income to average assets | 0.5866% | 2,512 |
| Noninterest expense to average assets | 2.2231% | 4,482 |
| Loan and lease loss provision to assets | 0.0766% | 2,668 |
| Net operating income to assets | 1.0233% | 2,144 |
| Return on assets (ROA) | 1.0247% | 2,171 |
| Pretax return on assets | 1.6011% | 1,285 |
| Return on Equity (ROE) | 10.0711% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.8075% | 1,153 |
| Net charge-offs to loans | 0.0671% | 2,506 |
| Credit loss provision to net charge-offs | 162.1622% | 1,652 |
| Earnings coverage of net charge-offs (x) | 35.4595% | 1,363 |
| Efficiency ratio | 56.3442% | 4,731 |
| Assets per employee ($millions) | 4.4780% | 3,220 |
| Cash dividends to net income (ytd only)* | 32.4055% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 3,840 |
| Loan loss allowance to noncurrent loans | 43.9521% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.8244% | 672 |
| Noncurrent loans to loans | 2.3111% | 610 |
| Net loans and leases to total assets | 70.8687% | 2,384 |
| Net loans and leases to deposits | 88.8965% | 1,908 |
| Net loans and leases to core deposits | 93.3224% | 2,255 |
| Total domestic deposits to total assets | 79.7204% | 4,388 |
| Equity capital to assets | 10.4120% | 3,252 |
| Core capital (leverage) ratio | 10.2026% | 3,186 |
| Tier 1 risk-based capital ratio | 12.5811% | 4,159 |
| Total risk-based capital ratio | 13.4718% | 4,278 |
| Memoranda: | ||
| Average total assets | $234,900,400 | 2,606 |
| Average earning assets | $219,684,400 | 2,585 |
| Average equity | $23,900,000 | 2,771 |
| Average total loans | $165,523,200 | 2,470 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 3,284 |
| Cost of funding earning assets | 0.5418% | 1,949 |
| Net interest margin | 3.4771% | 3,581 |
| Noninterest income to average assets | 0.5531% | 2,713 |
| Noninterest expense to average assets | 2.1693% | 4,593 |
| Loan and lease loss provision to assets | 0.0808% | 2,474 |
| Net operating income to assets | 1.0605% | 2,284 |
| Return on assets (ROA) | 1.0625% | 2,306 |
| Pretax return on assets | 1.5598% | 1,545 |
| Return on Equity (ROE) | 10.5045% | 1,902 |
| Retained earnings to average equity (ytd only) | 6.1159% | 2,160 |
| Net charge-offs to loans | 0.0430% | 2,578 |
| Credit loss provision to net charge-offs | 267.9245% | 1,073 |
| Earnings coverage of net charge-offs (x) | 54.3057% | 1,062 |
| Efficiency ratio | 56.2930% | 4,706 |
| Assets per employee ($millions) | 4.5284% | 3,090 |
| Cash dividends to net income (ytd only)* | 41.7781% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 4,086 |
| Loan loss allowance to noncurrent loans | 43.8583% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.8291% | 744 |
| Noncurrent loans to loans | 2.2716% | 704 |
| Net loans and leases to total assets | 72.2917% | 2,214 |
| Net loans and leases to deposits | 93.7895% | 1,324 |
| Net loans and leases to core deposits | 98.5325% | 1,841 |
| Total domestic deposits to total assets | 77.0787% | 4,872 |
| Equity capital to assets | 10.2402% | 3,651 |
| Core capital (leverage) ratio | 10.0689% | 3,482 |
| Tier 1 risk-based capital ratio | 11.9730% | 4,642 |
| Total risk-based capital ratio | 12.8503% | 4,771 |
| Memoranda: | ||
| Average total assets | $234,292,500 | 2,632 |
| Average earning assets | $219,260,250 | 2,605 |
| Average equity | $23,697,250 | 2,811 |
| Average total loans | $164,424,000 | 2,498 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 3,363 |
| Cost of funding earning assets | 0.5319% | 1,898 |
| Net interest margin | 3.4229% | 3,688 |
| Noninterest income to average assets | 0.5284% | 2,837 |
| Noninterest expense to average assets | 2.1912% | 4,576 |
| Loan and lease loss provision to assets | 0.0775% | 2,432 |
| Net operating income to assets | 1.0134% | 2,363 |
| Return on assets (ROA) | 1.0164% | 2,389 |
| Pretax return on assets | 1.4708% | 1,754 |
| Return on Equity (ROE) | 10.0923% | 1,998 |
| Retained earnings to average equity (ytd only) | 3.4268% | 3,670 |
| Net charge-offs to loans | 0.0336% | 2,522 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 66.4444% | 873 |
| Efficiency ratio | 57.9493% | 4,596 |
| Assets per employee ($millions) | 4.3443% | 3,354 |
| Cash dividends to net income (ytd only)* | 66.0457% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 3,926 |
| Loan loss allowance to noncurrent loans | 42.9249% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.8628% | 721 |
| Noncurrent loans to loans | 2.4143% | 639 |
| Net loans and leases to total assets | 70.0135% | 2,523 |
| Net loans and leases to deposits | 85.4647% | 2,292 |
| Net loans and leases to core deposits | 89.8885% | 2,538 |
| Total domestic deposits to total assets | 81.9210% | 3,907 |
| Equity capital to assets | 10.2101% | 3,660 |
| Core capital (leverage) ratio | 9.9987% | 3,542 |
| Tier 1 risk-based capital ratio | 12.3150% | 4,413 |
| Total risk-based capital ratio | 13.2308% | 4,533 |
| Memoranda: | ||
| Average total assets | $232,388,670 | 2,655 |
| Average earning assets | $217,710,330 | 2,632 |
| Average equity | $23,404,000 | 2,843 |
| Average total loans | $160,815,670 | 2,551 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 3,527 |
| Cost of funding earning assets | 0.5191% | 1,942 |
| Net interest margin | 3.3458% | 3,862 |
| Noninterest income to average assets | 0.5067% | 2,932 |
| Noninterest expense to average assets | 2.1912% | 4,669 |
| Loan and lease loss provision to assets | 0.0778% | 2,256 |
| Net operating income to assets | 0.9533% | 2,510 |
| Return on assets (ROA) | 0.9581% | 2,547 |
| Pretax return on assets | 1.3766% | 1,961 |
| Return on Equity (ROE) | 9.5806% | 2,155 |
| Retained earnings to average equity (ytd only) | 2.1444% | 4,284 |
| Net charge-offs to loans | -0.0076% | 4,311 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5057% | 4,528 |
| Assets per employee ($millions) | 4.4433% | 3,265 |
| Cash dividends to net income (ytd only)* | 77.6173% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,803 |
| Loan loss allowance to noncurrent loans | 50.2802% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.6018% | 976 |
| Noncurrent loans to loans | 2.1544% | 796 |
| Net loans and leases to total assets | 67.3844% | 2,762 |
| Net loans and leases to deposits | 80.6098% | 2,668 |
| Net loans and leases to core deposits | 85.1419% | 2,795 |
| Total domestic deposits to total assets | 83.5933% | 3,627 |
| Equity capital to assets | 10.0982% | 3,630 |
| Core capital (leverage) ratio | 9.9573% | 3,559 |
| Tier 1 risk-based capital ratio | 12.5721% | 4,345 |
| Total risk-based capital ratio | 13.5106% | 4,435 |
| Memoranda: | ||
| Average total assets | $231,287,000 | 2,698 |
| Average earning assets | $216,511,500 | 2,673 |
| Average equity | $23,130,000 | 2,875 |
| Average total loans | $158,240,500 | 2,600 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 3,078 |
| Cost of funding earning assets | 0.5601% | 1,605 |
| Net interest margin | 3.4743% | 3,528 |
| Noninterest income to average assets | 0.6846% | 2,242 |
| Noninterest expense to average assets | 2.1972% | 4,779 |
| Loan and lease loss provision to assets | 0.0786% | 2,790 |
| Net operating income to assets | 1.1389% | 1,735 |
| Return on assets (ROA) | 1.1425% | 1,816 |
| Pretax return on assets | 1.6663% | 1,092 |
| Return on Equity (ROE) | 11.4409% | 1,425 |
| Retained earnings to average equity (ytd only) | 6.9345% | 1,256 |
| Net charge-offs to loans | 0.1708% | 1,594 |
| Credit loss provision to net charge-offs | 65.9341% | 3,171 |
| Earnings coverage of net charge-offs (x) | 14.5861% | 2,277 |
| Efficiency ratio | 55.1770% | 5,133 |
| Assets per employee ($millions) | 4.4523% | 3,186 |
| Cash dividends to net income (ytd only)* | 39.3881% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,062 |
| Loan loss allowance to noncurrent loans | 98.6310% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 2,196 |
| Noncurrent loans to loans | 1.0561% | 1,967 |
| Net loans and leases to total assets | 67.9961% | 2,768 |
| Net loans and leases to deposits | 80.0580% | 2,881 |
| Net loans and leases to core deposits | 84.4392% | 2,985 |
| Total domestic deposits to total assets | 84.9336% | 3,083 |
| Equity capital to assets | 9.9032% | 3,812 |
| Core capital (leverage) ratio | 9.7447% | 3,809 |
| Tier 1 risk-based capital ratio | 12.2725% | 4,522 |
| Total risk-based capital ratio | 13.1637% | 4,674 |
| Memoranda: | ||
| Average total assets | $228,885,200 | 2,675 |
| Average earning assets | $214,257,400 | 2,656 |
| Average equity | $22,856,600 | 2,903 |
| Average total loans | $159,860,000 | 2,524 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0361% | 3,088 |
| Cost of funding earning assets | 0.5614% | 1,602 |
| Net interest margin | 3.4747% | 3,560 |
| Noninterest income to average assets | 0.6543% | 2,396 |
| Noninterest expense to average assets | 2.1931% | 4,786 |
| Loan and lease loss provision to assets | 0.0438% | 3,355 |
| Net operating income to assets | 1.1449% | 1,830 |
| Return on assets (ROA) | 1.1497% | 1,909 |
| Pretax return on assets | 1.6784% | 1,182 |
| Return on Equity (ROE) | 11.4889% | 1,496 |
| Retained earnings to average equity (ytd only) | 5.4760% | 2,497 |
| Net charge-offs to loans | 0.0916% | 2,042 |
| Credit loss provision to net charge-offs | 68.1818% | 2,821 |
| Earnings coverage of net charge-offs (x) | 26.6915% | 1,590 |
| Efficiency ratio | 55.4709% | 5,107 |
| Assets per employee ($millions) | 4.4226% | 3,211 |
| Cash dividends to net income (ytd only)* | 52.3375% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 4,241 |
| Loan loss allowance to noncurrent loans | 107.4561% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 2,476 |
| Noncurrent loans to loans | 0.9591% | 2,324 |
| Net loans and leases to total assets | 71.6144% | 2,242 |
| Net loans and leases to deposits | 85.6476% | 2,298 |
| Net loans and leases to core deposits | 90.5889% | 2,518 |
| Total domestic deposits to total assets | 83.6152% | 3,348 |
| Equity capital to assets | 10.1706% | 3,957 |
| Core capital (leverage) ratio | 9.6040% | 4,052 |
| Tier 1 risk-based capital ratio | 11.4162% | 5,146 |
| Total risk-based capital ratio | 12.2995% | 5,254 |
| Memoranda: | ||
| Average total assets | $228,226,000 | 2,687 |
| Average earning assets | $213,731,750 | 2,669 |
| Average equity | $22,838,750 | 2,932 |
| Average total loans | $160,054,250 | 2,523 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 3,266 |
| Cost of funding earning assets | 0.5591% | 1,629 |
| Net interest margin | 3.4333% | 3,747 |
| Noninterest income to average assets | 0.6914% | 2,182 |
| Noninterest expense to average assets | 2.1806% | 4,889 |
| Loan and lease loss provision to assets | 0.0264% | 3,605 |
| Net operating income to assets | 1.1606% | 1,735 |
| Return on assets (ROA) | 1.1623% | 1,835 |
| Pretax return on assets | 1.7027% | 1,082 |
| Return on Equity (ROE) | 11.6795% | 1,422 |
| Retained earnings to average equity (ytd only) | 5.6765% | 2,320 |
| Net charge-offs to loans | 0.0519% | 2,458 |
| Credit loss provision to net charge-offs | 73.1707% | 2,445 |
| Earnings coverage of net charge-offs (x) | 47.9268% | 1,021 |
| Efficiency ratio | 55.1608% | 5,228 |
| Assets per employee ($millions) | 4.2806% | 3,402 |
| Cash dividends to net income (ytd only)* | 51.3983% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,999 |
| Loan loss allowance to noncurrent loans | 116.7898% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 2,637 |
| Noncurrent loans to loans | 0.9325% | 2,409 |
| Net loans and leases to total assets | 68.3247% | 2,735 |
| Net loans and leases to deposits | 80.4317% | 2,877 |
| Net loans and leases to core deposits | 85.2872% | 2,962 |
| Total domestic deposits to total assets | 84.9476% | 2,904 |
| Equity capital to assets | 10.0510% | 4,161 |
| Core capital (leverage) ratio | 9.6912% | 3,942 |
| Tier 1 risk-based capital ratio | 11.8183% | 4,962 |
| Total risk-based capital ratio | 12.7583% | 5,033 |
| Memoranda: | ||
| Average total assets | $227,642,670 | 2,701 |
| Average earning assets | $213,204,670 | 2,680 |
| Average equity | $22,655,000 | 2,958 |
| Average total loans | $157,935,330 | 2,556 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9629% | 3,354 |
| Cost of funding earning assets | 0.5623% | 1,603 |
| Net interest margin | 3.4005% | 3,863 |
| Noninterest income to average assets | 0.8340% | 1,499 |
| Noninterest expense to average assets | 2.1905% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2324% | 1,442 |
| Return on assets (ROA) | 1.2360% | 1,542 |
| Pretax return on assets | 1.8292% | 809 |
| Return on Equity (ROE) | 12.4832% | 1,160 |
| Retained earnings to average equity (ytd only) | 6.2237% | 2,269 |
| Net charge-offs to loans | 0.0025% | 3,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1,030.0000% | 42 |
| Efficiency ratio | 53.9038% | 5,392 |
| Assets per employee ($millions) | 4.5452% | 2,991 |
| Cash dividends to net income (ytd only)* | 50.1433% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 4,113 |
| Loan loss allowance to noncurrent loans | 133.6391% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 2,926 |
| Noncurrent loans to loans | 0.8149% | 2,800 |
| Net loans and leases to total assets | 69.8623% | 2,364 |
| Net loans and leases to deposits | 84.0661% | 2,295 |
| Net loans and leases to core deposits | 89.5993% | 2,410 |
| Total domestic deposits to total assets | 83.1039% | 3,858 |
| Equity capital to assets | 9.9573% | 4,134 |
| Core capital (leverage) ratio | 9.7183% | 3,887 |
| Tier 1 risk-based capital ratio | 11.6820% | 5,115 |
| Total risk-based capital ratio | 12.6292% | 5,201 |
| Memoranda: | ||
| Average total assets | $225,888,000 | 2,725 |
| Average earning assets | $211,261,500 | 2,704 |
| Average equity | $22,366,000 | 2,982 |
| Average total loans | $157,066,500 | 2,564 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 3,363 |
| Cost of funding earning assets | 0.6020% | 1,347 |
| Net interest margin | 3.3825% | 3,975 |
| Noninterest income to average assets | 0.6449% | 2,488 |
| Noninterest expense to average assets | 2.2112% | 5,029 |
| Loan and lease loss provision to assets | 0.0753% | 2,764 |
| Net operating income to assets | 1.0672% | 2,055 |
| Return on assets (ROA) | 1.0732% | 2,103 |
| Pretax return on assets | 1.5321% | 1,457 |
| Return on Equity (ROE) | 11.0409% | 1,598 |
| Retained earnings to average equity (ytd only) | 6.8601% | 1,342 |
| Net charge-offs to loans | -0.0942% | 5,756 |
| Credit loss provision to net charge-offs | -118.7050% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3806% | 5,213 |
| Assets per employee ($millions) | 4.5820% | 2,910 |
| Cash dividends to net income (ytd only)* | 37.8666% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,809 |
| Loan loss allowance to noncurrent loans | 118.0040% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0801% | 2,031 |
| Noncurrent loans to loans | 0.9654% | 2,402 |
| Net loans and leases to total assets | 67.6415% | 2,766 |
| Net loans and leases to deposits | 81.0990% | 2,697 |
| Net loans and leases to core deposits | 86.1353% | 2,783 |
| Total domestic deposits to total assets | 83.4061% | 3,708 |
| Equity capital to assets | 9.8447% | 4,137 |
| Core capital (leverage) ratio | 9.4581% | 4,238 |
| Tier 1 risk-based capital ratio | 11.6088% | 5,186 |
| Total risk-based capital ratio | 12.5615% | 5,261 |
| Memoranda: | ||
| Average total assets | $219,245,800 | 2,749 |
| Average earning assets | $205,145,200 | 2,728 |
| Average equity | $21,311,600 | 3,039 |
| Average total loans | $147,488,400 | 2,634 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9295% | 3,633 |
| Cost of funding earning assets | 0.6049% | 1,377 |
| Net interest margin | 3.3245% | 4,239 |
| Noninterest income to average assets | 0.6051% | 2,709 |
| Noninterest expense to average assets | 2.1474% | 5,177 |
| Loan and lease loss provision to assets | 0.0826% | 2,521 |
| Net operating income to assets | 1.0507% | 2,213 |
| Return on assets (ROA) | 1.0529% | 2,299 |
| Pretax return on assets | 1.4916% | 1,701 |
| Return on Equity (ROE) | 10.8678% | 1,757 |
| Retained earnings to average equity (ytd only) | 6.5738% | 1,906 |
| Net charge-offs to loans | -0.0018% | 4,694 |
| Credit loss provision to net charge-offs | -6,750.0000% | 5,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1241% | 5,213 |
| Assets per employee ($millions) | 4.5278% | 2,955 |
| Cash dividends to net income (ytd only)* | 39.5117% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 4,612 |
| Loan loss allowance to noncurrent loans | 40.4446% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.1406% | 916 |
| Noncurrent loans to loans | 2.5349% | 807 |
| Net loans and leases to total assets | 67.5037% | 2,772 |
| Net loans and leases to deposits | 79.7625% | 2,913 |
| Net loans and leases to core deposits | 85.2040% | 2,933 |
| Total domestic deposits to total assets | 84.6309% | 3,164 |
| Equity capital to assets | 9.6294% | 4,602 |
| Core capital (leverage) ratio | 9.4632% | 4,346 |
| Tier 1 risk-based capital ratio | 11.2166% | 5,540 |
| Total risk-based capital ratio | 12.0663% | 5,676 |
| Memoranda: | ||
| Average total assets | $217,928,250 | 2,786 |
| Average earning assets | $204,093,000 | 2,752 |
| Average equity | $21,113,750 | 3,079 |
| Average total loans | $145,956,500 | 2,664 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8998% | 3,694 |
| Cost of funding earning assets | 0.6051% | 1,374 |
| Net interest margin | 3.2947% | 4,320 |
| Noninterest income to average assets | 0.5690% | 2,910 |
| Noninterest expense to average assets | 2.1682% | 5,187 |
| Loan and lease loss provision to assets | 0.0837% | 2,445 |
| Net operating income to assets | 1.0055% | 2,366 |
| Return on assets (ROA) | 1.0088% | 2,453 |
| Pretax return on assets | 1.4151% | 1,910 |
| Return on Equity (ROE) | 10.3902% | 1,900 |
| Retained earnings to average equity (ytd only) | 3.8784% | 3,532 |
| Net charge-offs to loans | 0.0028% | 3,807 |
| Credit loss provision to net charge-offs | 4,500.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 803.5000% | 80 |
| Efficiency ratio | 58.3143% | 5,183 |
| Assets per employee ($millions) | 4.3062% | 3,292 |
| Cash dividends to net income (ytd only)* | 62.6728% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 4,616 |
| Loan loss allowance to noncurrent loans | 96.1755% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0608% | 2,385 |
| Noncurrent loans to loans | 1.0902% | 2,472 |
| Net loans and leases to total assets | 67.2373% | 2,763 |
| Net loans and leases to deposits | 78.6499% | 2,947 |
| Net loans and leases to core deposits | 84.9779% | 2,884 |
| Total domestic deposits to total assets | 85.4894% | 2,926 |
| Equity capital to assets | 9.7180% | 4,381 |
| Core capital (leverage) ratio | 9.5435% | 4,219 |
| Tier 1 risk-based capital ratio | 11.4415% | 5,503 |
| Total risk-based capital ratio | 12.2992% | 5,608 |
| Memoranda: | ||
| Average total assets | $215,108,000 | 2,835 |
| Average earning assets | $201,957,670 | 2,800 |
| Average equity | $20,885,000 | 3,123 |
| Average total loans | $143,140,670 | 2,715 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 3,809 |
| Cost of funding earning assets | 0.6005% | 1,435 |
| Net interest margin | 3.2540% | 4,407 |
| Noninterest income to average assets | 0.5228% | 3,136 |
| Noninterest expense to average assets | 2.1971% | 5,156 |
| Loan and lease loss provision to assets | 0.0837% | 2,296 |
| Net operating income to assets | 0.9347% | 2,583 |
| Return on assets (ROA) | 0.9414% | 2,686 |
| Pretax return on assets | 1.3060% | 2,261 |
| Return on Equity (ROE) | 9.7002% | 2,131 |
| Retained earnings to average equity (ytd only) | 3.3740% | 3,957 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8024% | 5,116 |
| Assets per employee ($millions) | 4.3931% | 3,208 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 4,775 |
| Loan loss allowance to noncurrent loans | 85.2000% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.1261% | 2,382 |
| Noncurrent loans to loans | 1.2294% | 2,319 |
| Net loans and leases to total assets | 65.4365% | 2,858 |
| Net loans and leases to deposits | 75.3065% | 3,134 |
| Net loans and leases to core deposits | 81.2543% | 3,026 |
| Total domestic deposits to total assets | 86.8936% | 2,430 |
| Equity capital to assets | 9.8220% | 4,363 |
| Core capital (leverage) ratio | 9.3795% | 4,459 |
| Tier 1 risk-based capital ratio | 11.2085% | 5,707 |
| Total risk-based capital ratio | 12.0345% | 5,830 |
| Memoranda: | ||
| Average total assets | $215,006,000 | 2,854 |
| Average earning assets | $201,846,500 | 2,815 |
| Average equity | $20,865,500 | 3,146 |
| Average total loans | $141,559,000 | 2,740 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9206% | 4,053 |
| Cost of funding earning assets | 0.6327% | 1,534 |
| Net interest margin | 3.2879% | 4,627 |
| Noninterest income to average assets | 0.6599% | 2,505 |
| Noninterest expense to average assets | 2.1828% | 5,382 |
| Loan and lease loss provision to assets | 0.1125% | 2,291 |
| Net operating income to assets | 1.0208% | 2,296 |
| Return on assets (ROA) | 1.0397% | 2,289 |
| Pretax return on assets | 1.4797% | 1,622 |
| Return on Equity (ROE) | 11.7636% | 1,475 |
| Retained earnings to average equity (ytd only) | 8.1784% | 961 |
| Net charge-offs to loans | 0.1205% | 2,830 |
| Credit loss provision to net charge-offs | 146.7066% | 1,639 |
| Earnings coverage of net charge-offs (x) | 20.4072% | 1,727 |
| Efficiency ratio | 55.7407% | 5,692 |
| Assets per employee ($millions) | 4.3827% | 3,218 |
| Cash dividends to net income (ytd only)* | 30.4770% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 4,913 |
| Loan loss allowance to noncurrent loans | 61.8213% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.3863% | 2,012 |
| Noncurrent loans to loans | 1.6616% | 1,757 |
| Net loans and leases to total assets | 64.8759% | 3,071 |
| Net loans and leases to deposits | 74.4932% | 3,372 |
| Net loans and leases to core deposits | 79.9794% | 3,300 |
| Total domestic deposits to total assets | 87.0896% | 2,231 |
| Equity capital to assets | 9.5870% | 4,609 |
| Core capital (leverage) ratio | 9.0343% | 4,943 |
| Tier 1 risk-based capital ratio | 13.1060% | 4,651 |
| Total risk-based capital ratio | 14.0562% | 4,766 |
| Memoranda: | ||
| Average total assets | $217,749,200 | 2,806 |
| Average earning assets | $204,508,000 | 2,758 |
| Average equity | $19,245,800 | 3,258 |
| Average total loans | $138,573,200 | 2,731 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 4,292 |
| Cost of funding earning assets | 0.6332% | 1,574 |
| Net interest margin | 3.2341% | 4,839 |
| Noninterest income to average assets | 0.6267% | 2,708 |
| Noninterest expense to average assets | 2.1400% | 5,486 |
| Loan and lease loss provision to assets | 0.1373% | 1,820 |
| Net operating income to assets | 0.9849% | 2,518 |
| Return on assets (ROA) | 0.9952% | 2,537 |
| Pretax return on assets | 1.4029% | 1,994 |
| Return on Equity (ROE) | 11.4996% | 1,626 |
| Retained earnings to average equity (ytd only) | 6.7052% | 1,981 |
| Net charge-offs to loans | 0.1449% | 2,352 |
| Credit loss provision to net charge-offs | 150.0000% | 1,580 |
| Earnings coverage of net charge-offs (x) | 16.6663% | 1,952 |
| Efficiency ratio | 55.8349% | 5,673 |
| Assets per employee ($millions) | 4.4626% | 3,034 |
| Cash dividends to net income (ytd only)* | 41.6921% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 5,241 |
| Loan loss allowance to noncurrent loans | 68.8454% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2150% | 2,524 |
| Noncurrent loans to loans | 1.4452% | 2,254 |
| Net loans and leases to total assets | 64.3529% | 3,132 |
| Net loans and leases to deposits | 77.7389% | 2,979 |
| Net loans and leases to core deposits | 84.0071% | 2,879 |
| Total domestic deposits to total assets | 82.7808% | 4,212 |
| Equity capital to assets | 8.9110% | 5,451 |
| Core capital (leverage) ratio | 8.6923% | 5,446 |
| Tier 1 risk-based capital ratio | 12.2296% | 5,342 |
| Total risk-based capital ratio | 13.1454% | 5,477 |
| Memoranda: | ||
| Average total assets | $218,499,000 | 2,821 |
| Average earning assets | $205,307,000 | 2,773 |
| Average equity | $18,910,250 | 3,317 |
| Average total loans | $138,024,750 | 2,760 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 4,465 |
| Cost of funding earning assets | 0.6357% | 1,616 |
| Net interest margin | 3.1803% | 5,008 |
| Noninterest income to average assets | 0.6379% | 2,615 |
| Noninterest expense to average assets | 2.1590% | 5,507 |
| Loan and lease loss provision to assets | 0.1189% | 2,062 |
| Net operating income to assets | 0.9626% | 2,492 |
| Return on assets (ROA) | 0.9744% | 2,518 |
| Pretax return on assets | 1.3653% | 2,020 |
| Return on Equity (ROE) | 11.3742% | 1,608 |
| Retained earnings to average equity (ytd only) | 4.0568% | 3,594 |
| Net charge-offs to loans | 0.1813% | 1,949 |
| Credit loss provision to net charge-offs | 104.8780% | 1,908 |
| Earnings coverage of net charge-offs (x) | 12.9431% | 2,017 |
| Efficiency ratio | 56.9395% | 5,663 |
| Assets per employee ($millions) | 4.1822% | 3,489 |
| Cash dividends to net income (ytd only)* | 64.3330% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 5,371 |
| Loan loss allowance to noncurrent loans | 67.7849% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.2158% | 2,656 |
| Noncurrent loans to loans | 1.4690% | 2,358 |
| Net loans and leases to total assets | 62.8173% | 3,272 |
| Net loans and leases to deposits | 71.5254% | 3,635 |
| Net loans and leases to core deposits | 77.5220% | 3,494 |
| Total domestic deposits to total assets | 87.8251% | 2,018 |
| Equity capital to assets | 8.8545% | 5,465 |
| Core capital (leverage) ratio | 8.6406% | 5,479 |
| Tier 1 risk-based capital ratio | 12.4475% | 5,264 |
| Total risk-based capital ratio | 13.3648% | 5,397 |
| Memoranda: | ||
| Average total assets | $216,955,670 | 2,846 |
| Average earning assets | $203,877,670 | 2,795 |
| Average equity | $18,586,000 | 3,348 |
| Average total loans | $135,688,670 | 2,783 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,602 |
| Cost of funding earning assets | 0.6311% | 1,724 |
| Net interest margin | 3.1396% | 5,121 |
| Noninterest income to average assets | 0.7273% | 2,045 |
| Noninterest expense to average assets | 2.1634% | 5,550 |
| Loan and lease loss provision to assets | 0.0572% | 2,972 |
| Net operating income to assets | 1.0262% | 2,099 |
| Return on assets (ROA) | 1.0485% | 2,079 |
| Pretax return on assets | 1.4859% | 1,468 |
| Return on Equity (ROE) | 12.4486% | 1,297 |
| Retained earnings to average equity (ytd only) | 4.7778% | 3,247 |
| Net charge-offs to loans | 0.1427% | 1,869 |
| Credit loss provision to net charge-offs | 64.5833% | 2,059 |
| Earnings coverage of net charge-offs (x) | 17.0625% | 1,474 |
| Efficiency ratio | 56.3034% | 5,811 |
| Assets per employee ($millions) | 4.4158% | 3,117 |
| Cash dividends to net income (ytd only)* | 61.6197% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 5,539 |
| Loan loss allowance to noncurrent loans | 65.9990% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.2372% | 2,785 |
| Noncurrent loans to loans | 1.5084% | 2,532 |
| Net loans and leases to total assets | 62.0954% | 3,228 |
| Net loans and leases to deposits | 70.4066% | 3,547 |
| Net loans and leases to core deposits | 76.8710% | 3,321 |
| Total domestic deposits to total assets | 88.1955% | 2,114 |
| Equity capital to assets | 8.5962% | 5,551 |
| Core capital (leverage) ratio | 8.5987% | 5,527 |
| Tier 1 risk-based capital ratio | 12.4440% | 5,351 |
| Total risk-based capital ratio | 13.3560% | 5,503 |
| Memoranda: | ||
| Average total assets | $216,697,500 | 2,866 |
| Average earning assets | $203,465,500 | 2,815 |
| Average equity | $18,251,000 | 3,391 |
| Average total loans | $134,541,000 | 2,819 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 4,458 |
| Cost of funding earning assets | 0.6872% | 1,905 |
| Net interest margin | 3.2143% | 4,955 |
| Noninterest income to average assets | 0.5490% | 3,412 |
| Noninterest expense to average assets | 2.0914% | 5,848 |
| Loan and lease loss provision to assets | 0.1057% | 3,028 |
| Net operating income to assets | 0.9883% | 2,376 |
| Return on assets (ROA) | 0.9971% | 2,405 |
| Pretax return on assets | 1.3846% | 1,846 |
| Return on Equity (ROE) | 11.8622% | 1,467 |
| Retained earnings to average equity (ytd only) | 8.0068% | 1,057 |
| Net charge-offs to loans | 0.1001% | 3,839 |
| Credit loss provision to net charge-offs | 171.7557% | 1,330 |
| Earnings coverage of net charge-offs (x) | 24.0229% | 1,387 |
| Efficiency ratio | 55.9079% | 5,958 |
| Assets per employee ($millions) | 4.3404% | 3,193 |
| Cash dividends to net income (ytd only)* | 32.5012% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 5,441 |
| Loan loss allowance to noncurrent loans | 58.1138% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3354% | 2,751 |
| Noncurrent loans to loans | 1.7650% | 2,283 |
| Net loans and leases to total assets | 60.8257% | 3,569 |
| Net loans and leases to deposits | 68.8263% | 3,933 |
| Net loans and leases to core deposits | 75.1547% | 3,707 |
| Total domestic deposits to total assets | 88.3757% | 1,964 |
| Equity capital to assets | 8.2490% | 5,823 |
| Core capital (leverage) ratio | 8.4049% | 5,774 |
| Tier 1 risk-based capital ratio | 12.4051% | 5,348 |
| Total risk-based capital ratio | 13.3393% | 5,505 |
| Memoranda: | ||
| Average total assets | $212,917,800 | 2,881 |
| Average earning assets | $200,076,200 | 2,824 |
| Average equity | $17,897,200 | 3,434 |
| Average total loans | $130,911,200 | 2,844 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 4,539 |
| Cost of funding earning assets | 0.6940% | 1,993 |
| Net interest margin | 3.1968% | 5,008 |
| Noninterest income to average assets | 0.4984% | 3,818 |
| Noninterest expense to average assets | 2.0419% | 5,937 |
| Loan and lease loss provision to assets | 0.1007% | 3,083 |
| Net operating income to assets | 0.9834% | 2,452 |
| Return on assets (ROA) | 0.9929% | 2,495 |
| Pretax return on assets | 1.3749% | 2,016 |
| Return on Equity (ROE) | 11.7565% | 1,554 |
| Retained earnings to average equity (ytd only) | 6.6903% | 2,041 |
| Net charge-offs to loans | 0.0389% | 4,372 |
| Credit loss provision to net charge-offs | 421.0526% | 633 |
| Earnings coverage of net charge-offs (x) | 61.1524% | 744 |
| Efficiency ratio | 55.5216% | 5,970 |
| Assets per employee ($millions) | 4.2346% | 3,357 |
| Cash dividends to net income (ytd only)* | 43.0923% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 5,748 |
| Loan loss allowance to noncurrent loans | 50.8006% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 1.2863% | 3,071 |
| Noncurrent loans to loans | 1.9598% | 2,296 |
| Net loans and leases to total assets | 64.2805% | 2,955 |
| Net loans and leases to deposits | 75.8192% | 2,985 |
| Net loans and leases to core deposits | 83.1593% | 2,747 |
| Total domestic deposits to total assets | 84.7812% | 3,848 |
| Equity capital to assets | 8.1917% | 6,012 |
| Core capital (leverage) ratio | 8.2987% | 5,971 |
| Tier 1 risk-based capital ratio | 11.5638% | 6,024 |
| Total risk-based capital ratio | 12.4822% | 6,142 |
| Memoranda: | ||
| Average total assets | $211,892,250 | 2,920 |
| Average earning assets | $199,237,250 | 2,861 |
| Average equity | $17,896,000 | 3,478 |
| Average total loans | $130,296,000 | 2,874 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 4,642 |
| Cost of funding earning assets | 0.6971% | 2,081 |
| Net interest margin | 3.1568% | 5,100 |
| Noninterest income to average assets | 0.4778% | 3,973 |
| Noninterest expense to average assets | 2.0396% | 5,972 |
| Loan and lease loss provision to assets | 0.0684% | 3,675 |
| Net operating income to assets | 0.9698% | 2,465 |
| Return on assets (ROA) | 0.9842% | 2,541 |
| Pretax return on assets | 1.3622% | 2,077 |
| Return on Equity (ROE) | 11.5340% | 1,626 |
| Retained earnings to average equity (ytd only) | 3.9634% | 3,769 |
| Net charge-offs to loans | 0.0409% | 4,104 |
| Credit loss provision to net charge-offs | 276.9231% | 920 |
| Earnings coverage of net charge-offs (x) | 57.1154% | 727 |
| Efficiency ratio | 56.3051% | 5,928 |
| Assets per employee ($millions) | 4.2837% | 3,203 |
| Cash dividends to net income (ytd only)* | 65.6371% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 5,838 |
| Loan loss allowance to noncurrent loans | 60.5227% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 3,574 |
| Noncurrent loans to loans | 1.6460% | 2,846 |
| Net loans and leases to total assets | 62.4996% | 3,199 |
| Net loans and leases to deposits | 70.4937% | 3,658 |
| Net loans and leases to core deposits | 77.4246% | 3,366 |
| Total domestic deposits to total assets | 88.6598% | 1,800 |
| Equity capital to assets | 8.1315% | 6,109 |
| Core capital (leverage) ratio | 8.1131% | 6,095 |
| Tier 1 risk-based capital ratio | 11.8334% | 5,897 |
| Total risk-based capital ratio | 12.7531% | 6,076 |
| Memoranda: | ||
| Average total assets | $210,535,330 | 2,951 |
| Average earning assets | $198,240,670 | 2,890 |
| Average equity | $17,964,330 | 3,490 |
| Average total loans | $126,988,670 | 2,938 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 4,959 |
| Cost of funding earning assets | 0.6960% | 2,252 |
| Net interest margin | 3.0637% | 5,388 |
| Noninterest income to average assets | 0.4534% | 4,100 |
| Noninterest expense to average assets | 2.0431% | 6,021 |
| Loan and lease loss provision to assets | 0.0569% | 3,685 |
| Net operating income to assets | 0.9043% | 2,633 |
| Return on assets (ROA) | 0.9333% | 2,646 |
| Pretax return on assets | 1.2824% | 2,287 |
| Return on Equity (ROE) | 10.6884% | 1,799 |
| Retained earnings to average equity (ytd only) | 3.1935% | 4,338 |
| Net charge-offs to loans | -0.0129% | 5,534 |
| Credit loss provision to net charge-offs | -750.0000% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2293% | 5,819 |
| Assets per employee ($millions) | 4.3515% | 3,243 |
| Cash dividends to net income (ytd only)* | 70.1220% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 5,831 |
| Loan loss allowance to noncurrent loans | 54.7280% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 3,673 |
| Noncurrent loans to loans | 1.9024% | 2,733 |
| Net loans and leases to total assets | 58.3065% | 3,742 |
| Net loans and leases to deposits | 65.8029% | 4,083 |
| Net loans and leases to core deposits | 72.1648% | 3,798 |
| Total domestic deposits to total assets | 88.6078% | 1,928 |
| Equity capital to assets | 8.6163% | 5,901 |
| Core capital (leverage) ratio | 7.9318% | 6,198 |
| Tier 1 risk-based capital ratio | 12.4639% | 5,603 |
| Total risk-based capital ratio | 13.4386% | 5,758 |
| Memoranda: | ||
| Average total assets | $210,853,500 | 2,971 |
| Average earning assets | $198,841,500 | 2,913 |
| Average equity | $18,412,500 | 3,466 |
| Average total loans | $124,230,000 | 3,003 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 4,466 |
| Cost of funding earning assets | 0.8926% | 1,978 |
| Net interest margin | 3.3401% | 5,104 |
| Noninterest income to average assets | 0.5989% | 3,284 |
| Noninterest expense to average assets | 2.2210% | 5,879 |
| Loan and lease loss provision to assets | 0.0242% | 5,593 |
| Net operating income to assets | 1.0595% | 2,087 |
| Return on assets (ROA) | 1.0595% | 2,279 |
| Pretax return on assets | 1.4763% | 1,756 |
| Return on Equity (ROE) | 11.9631% | 1,524 |
| Retained earnings to average equity (ytd only) | 8.0779% | 1,095 |
| Net charge-offs to loans | -0.0083% | 6,441 |
| Credit loss provision to net charge-offs | -480.0000% | 6,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5211% | 6,003 |
| Assets per employee ($millions) | 4.0093% | 3,929 |
| Cash dividends to net income (ytd only)* | 32.4762% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 5,824 |
| Loan loss allowance to noncurrent loans | 55.9017% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 3,798 |
| Noncurrent loans to loans | 1.8554% | 2,853 |
| Net loans and leases to total assets | 58.3043% | 3,924 |
| Net loans and leases to deposits | 66.6382% | 4,186 |
| Net loans and leases to core deposits | 73.4514% | 3,857 |
| Total domestic deposits to total assets | 87.4939% | 2,530 |
| Equity capital to assets | 8.8511% | 5,686 |
| Core capital (leverage) ratio | 8.0408% | 6,155 |
| Tier 1 risk-based capital ratio | 12.4610% | 5,505 |
| Total risk-based capital ratio | 13.4215% | 5,631 |
| Memoranda: | ||
| Average total assets | $198,197,800 | 3,070 |
| Average earning assets | $185,292,400 | 3,025 |
| Average equity | $17,554,000 | 3,528 |
| Average total loans | $121,169,000 | 3,047 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 4,479 |
| Cost of funding earning assets | 0.9358% | 1,950 |
| Net interest margin | 3.3561% | 5,195 |
| Noninterest income to average assets | 0.5200% | 3,802 |
| Noninterest expense to average assets | 2.1360% | 6,100 |
| Loan and lease loss provision to assets | 0.0327% | 5,369 |
| Net operating income to assets | 1.0666% | 2,232 |
| Return on assets (ROA) | 1.0666% | 2,438 |
| Pretax return on assets | 1.4824% | 1,945 |
| Return on Equity (ROE) | 12.0410% | 1,625 |
| Retained earnings to average equity (ytd only) | 6.8476% | 2,210 |
| Net charge-offs to loans | -0.0133% | 6,418 |
| Credit loss provision to net charge-offs | -400.0000% | 6,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2175% | 6,136 |
| Assets per employee ($millions) | 3.9271% | 4,021 |
| Cash dividends to net income (ytd only)* | 43.1312% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 6,066 |
| Loan loss allowance to noncurrent loans | 59.9906% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.0770% | 4,141 |
| Noncurrent loans to loans | 1.6720% | 3,281 |
| Net loans and leases to total assets | 62.8783% | 3,228 |
| Net loans and leases to deposits | 72.1342% | 3,593 |
| Net loans and leases to core deposits | 80.1219% | 3,193 |
| Total domestic deposits to total assets | 87.1686% | 2,576 |
| Equity capital to assets | 9.0627% | 5,760 |
| Core capital (leverage) ratio | 8.0647% | 6,271 |
| Tier 1 risk-based capital ratio | 11.6966% | 6,117 |
| Total risk-based capital ratio | 12.6327% | 6,264 |
| Memoranda: | ||
| Average total assets | $195,626,750 | 3,132 |
| Average earning assets | $182,509,750 | 3,082 |
| Average equity | $17,329,250 | 3,597 |
| Average total loans | $120,754,250 | 3,100 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 4,701 |
| Cost of funding earning assets | 0.9657% | 1,959 |
| Net interest margin | 3.3004% | 5,439 |
| Noninterest income to average assets | 0.4916% | 3,973 |
| Noninterest expense to average assets | 2.1693% | 6,082 |
| Loan and lease loss provision to assets | 0.0185% | 5,436 |
| Net operating income to assets | 1.0099% | 2,424 |
| Return on assets (ROA) | 1.0099% | 2,641 |
| Pretax return on assets | 1.3819% | 2,274 |
| Return on Equity (ROE) | 11.4920% | 1,829 |
| Retained earnings to average equity (ytd only) | 3.5766% | 4,214 |
| Net charge-offs to loans | -0.0270% | 6,499 |
| Credit loss provision to net charge-offs | -112.5000% | 6,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3614% | 5,948 |
| Assets per employee ($millions) | 3.7716% | 4,382 |
| Cash dividends to net income (ytd only)* | 68.8776% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 6,101 |
| Loan loss allowance to noncurrent loans | 59.3542% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0891% | 4,202 |
| Noncurrent loans to loans | 1.7062% | 3,336 |
| Net loans and leases to total assets | 62.2980% | 3,371 |
| Net loans and leases to deposits | 71.3434% | 3,713 |
| Net loans and leases to core deposits | 79.0986% | 3,354 |
| Total domestic deposits to total assets | 87.3214% | 2,582 |
| Equity capital to assets | 8.8495% | 5,856 |
| Core capital (leverage) ratio | 7.9108% | 6,357 |
| Tier 1 risk-based capital ratio | 11.5837% | 6,176 |
| Total risk-based capital ratio | 12.5301% | 6,331 |
| Memoranda: | ||
| Average total assets | $194,075,000 | 3,163 |
| Average earning assets | $181,006,000 | 3,111 |
| Average equity | $17,055,330 | 3,636 |
| Average total loans | $118,602,330 | 3,168 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 5,237 |
| Cost of funding earning assets | 1.0009% | 1,981 |
| Net interest margin | 3.1607% | 5,877 |
| Noninterest income to average assets | 0.4931% | 3,956 |
| Noninterest expense to average assets | 2.1860% | 6,077 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9365% | 2,763 |
| Return on assets (ROA) | 0.9365% | 2,969 |
| Pretax return on assets | 1.2515% | 2,719 |
| Return on Equity (ROE) | 10.6951% | 2,141 |
| Retained earnings to average equity (ytd only) | 2.4135% | 5,058 |
| Net charge-offs to loans | 0.0241% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 86.2857% | 396 |
| Efficiency ratio | 60.0362% | 5,603 |
| Assets per employee ($millions) | 3.8350% | 4,349 |
| Cash dividends to net income (ytd only)* | 77.4336% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 6,155 |
| Loan loss allowance to noncurrent loans | 62.6100% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0226% | 4,449 |
| Noncurrent loans to loans | 1.6397% | 3,643 |
| Net loans and leases to total assets | 59.5946% | 3,757 |
| Net loans and leases to deposits | 68.0156% | 4,057 |
| Net loans and leases to core deposits | 75.2641% | 3,714 |
| Total domestic deposits to total assets | 87.6191% | 2,578 |
| Equity capital to assets | 8.6475% | 5,933 |
| Core capital (leverage) ratio | 7.7714% | 6,435 |
| Tier 1 risk-based capital ratio | 11.7582% | 6,120 |
| Total risk-based capital ratio | 12.7036% | 6,289 |
| Memoranda: | ||
| Average total assets | $193,050,000 | 3,196 |
| Average earning assets | $179,833,500 | 3,148 |
| Average equity | $16,905,000 | 3,665 |
| Average total loans | $116,187,500 | 3,227 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 4,333 |
| Cost of funding earning assets | 1.2976% | 1,495 |
| Net interest margin | 3.3818% | 5,539 |
| Noninterest income to average assets | 0.6364% | 2,970 |
| Noninterest expense to average assets | 2.3044% | 6,027 |
| Loan and lease loss provision to assets | 0.0690% | 5,750 |
| Net operating income to assets | 1.0411% | 2,037 |
| Return on assets (ROA) | 1.0416% | 2,183 |
| Pretax return on assets | 1.4009% | 1,790 |
| Return on Equity (ROE) | 12.0487% | 1,393 |
| Retained earnings to average equity (ytd only) | 7.9495% | 1,098 |
| Net charge-offs to loans | -0.0325% | 7,010 |
| Credit loss provision to net charge-offs | -337.8378% | 6,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6276% | 6,101 |
| Assets per employee ($millions) | 4.0536% | 3,741 |
| Cash dividends to net income (ytd only)* | 34.0223% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,954 |
| Loan loss allowance to noncurrent loans | 32.8028% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 2.0009% | 2,960 |
| Noncurrent loans to loans | 3.2345% | 1,999 |
| Net loans and leases to total assets | 59.5186% | 4,077 |
| Net loans and leases to deposits | 68.4051% | 4,379 |
| Net loans and leases to core deposits | 76.9382% | 3,835 |
| Total domestic deposits to total assets | 87.0090% | 2,759 |
| Equity capital to assets | 8.8690% | 5,711 |
| Core capital (leverage) ratio | 7.9230% | 6,331 |
| Tier 1 risk-based capital ratio | 11.9743% | 5,852 |
| Total risk-based capital ratio | 12.9531% | 6,007 |
| Memoranda: | ||
| Average total assets | $181,172,200 | 3,316 |
| Average earning assets | $168,075,000 | 3,278 |
| Average equity | $15,661,400 | 3,780 |
| Average total loans | $113,683,400 | 3,298 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 4,237 |
| Cost of funding earning assets | 1.3658% | 1,391 |
| Net interest margin | 3.3819% | 5,629 |
| Noninterest income to average assets | 0.6270% | 3,015 |
| Noninterest expense to average assets | 2.2799% | 6,089 |
| Loan and lease loss provision to assets | 0.0932% | 5,301 |
| Net operating income to assets | 1.0447% | 2,159 |
| Return on assets (ROA) | 1.0453% | 2,310 |
| Pretax return on assets | 1.3912% | 1,965 |
| Return on Equity (ROE) | 12.1758% | 1,498 |
| Retained earnings to average equity (ytd only) | 6.6003% | 2,198 |
| Net charge-offs to loans | -0.0435% | 7,028 |
| Credit loss provision to net charge-offs | -337.8378% | 6,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0919% | 6,131 |
| Assets per employee ($millions) | 3.9003% | 4,073 |
| Cash dividends to net income (ytd only)* | 45.7917% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 6,289 |
| Loan loss allowance to noncurrent loans | 45.7659% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 1.4931% | 3,873 |
| Noncurrent loans to loans | 2.1770% | 3,141 |
| Net loans and leases to total assets | 65.9166% | 2,919 |
| Net loans and leases to deposits | 77.2753% | 3,123 |
| Net loans and leases to core deposits | 87.7503% | 2,523 |
| Total domestic deposits to total assets | 85.3010% | 3,615 |
| Equity capital to assets | 8.9694% | 5,790 |
| Core capital (leverage) ratio | 7.8878% | 6,498 |
| Tier 1 risk-based capital ratio | 10.9097% | 6,597 |
| Total risk-based capital ratio | 11.8352% | 6,727 |
| Memoranda: | ||
| Average total assets | $178,836,000 | 3,369 |
| Average earning assets | $165,859,250 | 3,323 |
| Average equity | $15,352,500 | 3,850 |
| Average total loans | $113,452,000 | 3,337 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 4,479 |
| Cost of funding earning assets | 1.4102% | 1,375 |
| Net interest margin | 3.3031% | 5,845 |
| Noninterest income to average assets | 0.6158% | 3,031 |
| Noninterest expense to average assets | 2.2916% | 6,154 |
| Loan and lease loss provision to assets | 0.1083% | 4,949 |
| Net operating income to assets | 0.9803% | 2,310 |
| Return on assets (ROA) | 0.9811% | 2,407 |
| Pretax return on assets | 1.2811% | 2,201 |
| Return on Equity (ROE) | 11.6083% | 1,603 |
| Retained earnings to average equity (ytd only) | 3.3090% | 4,153 |
| Net charge-offs to loans | -0.0036% | 6,558 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6577% | 6,078 |
| Assets per employee ($millions) | 3.6796% | 4,503 |
| Cash dividends to net income (ytd only)* | 71.4943% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,336 |
| Loan loss allowance to noncurrent loans | 58.2406% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.1414% | 4,607 |
| Noncurrent loans to loans | 1.7176% | 3,860 |
| Net loans and leases to total assets | 63.2325% | 3,632 |
| Net loans and leases to deposits | 73.2415% | 3,912 |
| Net loans and leases to core deposits | 83.1907% | 3,339 |
| Total domestic deposits to total assets | 86.3343% | 3,137 |
| Equity capital to assets | 8.6174% | 6,037 |
| Core capital (leverage) ratio | 7.7094% | 6,579 |
| Tier 1 risk-based capital ratio | 10.9919% | 6,537 |
| Total risk-based capital ratio | 11.9120% | 6,717 |
| Memoranda: | ||
| Average total assets | $177,344,000 | 3,408 |
| Average earning assets | $164,513,670 | 3,364 |
| Average equity | $14,989,330 | 3,905 |
| Average total loans | $110,586,330 | 3,441 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 4,635 |
| Cost of funding earning assets | 1.4302% | 1,469 |
| Net interest margin | 3.2431% | 5,943 |
| Noninterest income to average assets | 0.5982% | 3,176 |
| Noninterest expense to average assets | 2.3313% | 6,105 |
| Loan and lease loss provision to assets | 0.1137% | 4,595 |
| Net operating income to assets | 0.9103% | 2,511 |
| Return on assets (ROA) | 0.9121% | 2,565 |
| Pretax return on assets | 1.1622% | 2,504 |
| Return on Equity (ROE) | 10.9001% | 1,774 |
| Retained earnings to average equity (ytd only) | 2.2833% | 4,785 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9464% | 5,840 |
| Assets per employee ($millions) | 3.9051% | 4,063 |
| Cash dividends to net income (ytd only)* | 79.0524% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,414 |
| Loan loss allowance to noncurrent loans | 70.4981% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 5,064 |
| Noncurrent loans to loans | 1.4134% | 4,355 |
| Net loans and leases to total assets | 61.0649% | 4,063 |
| Net loans and leases to deposits | 70.8526% | 4,216 |
| Net loans and leases to core deposits | 78.4846% | 3,955 |
| Total domestic deposits to total assets | 86.1859% | 3,412 |
| Equity capital to assets | 8.2818% | 6,182 |
| Core capital (leverage) ratio | 7.6517% | 6,599 |
| Tier 1 risk-based capital ratio | 11.2055% | 6,344 |
| Total risk-based capital ratio | 12.1192% | 6,575 |
| Memoranda: | ||
| Average total assets | $175,867,000 | 3,456 |
| Average earning assets | $163,052,500 | 3,402 |
| Average equity | $14,715,500 | 3,956 |
| Average total loans | $108,300,000 | 3,532 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 4,638 |
| Cost of funding earning assets | 1.6829% | 1,671 |
| Net interest margin | 3.3001% | 5,976 |
| Noninterest income to average assets | 0.4396% | 4,596 |
| Noninterest expense to average assets | 2.4159% | 6,057 |
| Loan and lease loss provision to assets | 0.1936% | 5,296 |
| Net operating income to assets | 0.7166% | 3,164 |
| Return on assets (ROA) | 0.7166% | 3,295 |
| Pretax return on assets | 0.8214% | 3,566 |
| Return on Equity (ROE) | 8.2077% | 2,617 |
| Retained earnings to average equity (ytd only) | 3.8616% | 3,157 |
| Net charge-offs to loans | 0.2623% | 4,727 |
| Credit loss provision to net charge-offs | 120.3704% | 3,505 |
| Earnings coverage of net charge-offs (x) | 6.3111% | 2,387 |
| Efficiency ratio | 66.3368% | 4,905 |
| Assets per employee ($millions) | 3.6617% | 4,542 |
| Cash dividends to net income (ytd only)* | 52.9510% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,412 |
| Loan loss allowance to noncurrent loans | 139.6026% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 6,028 |
| Noncurrent loans to loans | 0.7136% | 5,622 |
| Net loans and leases to total assets | 60.8650% | 4,516 |
| Net loans and leases to deposits | 71.3290% | 4,635 |
| Net loans and leases to core deposits | 79.5250% | 4,272 |
| Total domestic deposits to total assets | 85.3300% | 3,703 |
| Equity capital to assets | 8.4568% | 5,915 |
| Core capital (leverage) ratio | 7.6712% | 6,567 |
| Tier 1 risk-based capital ratio | 11.6184% | 5,801 |
| Total risk-based capital ratio | 12.5325% | 6,091 |
| Memoranda: | ||
| Average total assets | $167,885,800 | 3,577 |
| Average earning assets | $152,177,600 | 3,602 |
| Average equity | $14,657,000 | 4,003 |
| Average total loans | $102,940,800 | 3,713 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 4,676 |
| Cost of funding earning assets | 1.7150% | 1,796 |
| Net interest margin | 3.3139% | 5,964 |
| Noninterest income to average assets | 0.3253% | 5,553 |
| Noninterest expense to average assets | 2.4383% | 5,920 |
| Loan and lease loss provision to assets | 0.0687% | 6,379 |
| Net operating income to assets | 0.7057% | 3,390 |
| Return on assets (ROA) | 0.7057% | 3,541 |
| Pretax return on assets | 0.8064% | 3,879 |
| Return on Equity (ROE) | 8.0183% | 2,893 |
| Retained earnings to average equity (ytd only) | 2.2338% | 4,828 |
| Net charge-offs to loans | 0.0170% | 6,443 |
| Credit loss provision to net charge-offs | 661.5385% | 446 |
| Earnings coverage of net charge-offs (x) | 84.2447% | 367 |
| Efficiency ratio | 69.3439% | 4,199 |
| Assets per employee ($millions) | 3.6522% | 4,609 |
| Cash dividends to net income (ytd only)* | 72.1405% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 6,412 |
| Loan loss allowance to noncurrent loans | 94.5326% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 5,623 |
| Noncurrent loans to loans | 1.0535% | 5,134 |
| Net loans and leases to total assets | 62.0836% | 4,518 |
| Net loans and leases to deposits | 73.0070% | 4,688 |
| Net loans and leases to core deposits | 81.7360% | 4,282 |
| Total domestic deposits to total assets | 85.0379% | 3,601 |
| Equity capital to assets | 8.8154% | 5,841 |
| Core capital (leverage) ratio | 7.6810% | 6,696 |
| Tier 1 risk-based capital ratio | 11.0905% | 6,294 |
| Total risk-based capital ratio | 12.0037% | 6,571 |
| Memoranda: | ||
| Average total assets | $166,832,500 | 3,640 |
| Average earning assets | $150,434,000 | 3,673 |
| Average equity | $14,682,750 | 4,058 |
| Average total loans | $102,225,500 | 3,793 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 4,682 |
| Cost of funding earning assets | 1.7532% | 1,848 |
| Net interest margin | 3.3008% | 6,016 |
| Noninterest income to average assets | 0.6912% | 2,758 |
| Noninterest expense to average assets | 2.3967% | 6,077 |
| Loan and lease loss provision to assets | 0.0157% | 6,762 |
| Net operating income to assets | 0.9635% | 2,318 |
| Return on assets (ROA) | 0.9635% | 2,404 |
| Pretax return on assets | 1.2323% | 2,313 |
| Return on Equity (ROE) | 10.9544% | 1,768 |
| Retained earnings to average equity (ytd only) | 2.1881% | 4,753 |
| Net charge-offs to loans | 0.0040% | 6,321 |
| Credit loss provision to net charge-offs | 650.0000% | 569 |
| Earnings coverage of net charge-offs (x) | 515.5000% | 62 |
| Efficiency ratio | 61.8399% | 5,716 |
| Assets per employee ($millions) | 3.5656% | 4,768 |
| Cash dividends to net income (ytd only)* | 80.0251% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 6,426 |
| Loan loss allowance to noncurrent loans | 92.0693% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2286% | 4,684 |
| Noncurrent loans to loans | 1.0815% | 5,154 |
| Net loans and leases to total assets | 59.9264% | 5,071 |
| Net loans and leases to deposits | 70.2985% | 5,230 |
| Net loans and leases to core deposits | 77.4595% | 5,030 |
| Total domestic deposits to total assets | 85.2456% | 3,492 |
| Equity capital to assets | 8.7998% | 5,755 |
| Core capital (leverage) ratio | 7.8063% | 6,487 |
| Tier 1 risk-based capital ratio | 11.5330% | 5,735 |
| Total risk-based capital ratio | 12.4378% | 6,045 |
| Memoranda: | ||
| Average total assets | $165,225,330 | 3,686 |
| Average earning assets | $147,841,000 | 3,743 |
| Average equity | $14,533,000 | 4,079 |
| Average total loans | $100,420,330 | 3,883 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1039% | 4,508 |
| Cost of funding earning assets | 1.7942% | 1,902 |
| Net interest margin | 3.3097% | 5,933 |
| Noninterest income to average assets | 0.6852% | 2,696 |
| Noninterest expense to average assets | 2.4481% | 5,918 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9144% | 2,493 |
| Return on assets (ROA) | 0.9144% | 2,561 |
| Pretax return on assets | 1.1607% | 2,511 |
| Return on Equity (ROE) | 10.3979% | 1,984 |
| Retained earnings to average equity (ytd only) | 1.6359% | 5,119 |
| Net charge-offs to loans | -0.0200% | 7,077 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8514% | 5,526 |
| Assets per employee ($millions) | 3.5031% | 5,018 |
| Cash dividends to net income (ytd only)* | 84.2667% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,419 |
| Loan loss allowance to noncurrent loans | 128.0612% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 5,039 |
| Noncurrent loans to loans | 0.7871% | 5,746 |
| Net loans and leases to total assets | 59.8847% | 5,136 |
| Net loans and leases to deposits | 70.0735% | 5,337 |
| Net loans and leases to core deposits | 77.1239% | 5,122 |
| Total domestic deposits to total assets | 85.4599% | 3,434 |
| Equity capital to assets | 8.7617% | 5,621 |
| Core capital (leverage) ratio | 7.8100% | 6,488 |
| Tier 1 risk-based capital ratio | 11.5771% | 5,601 |
| Total risk-based capital ratio | 12.4913% | 5,873 |
| Memoranda: | ||
| Average total assets | $164,046,000 | 3,766 |
| Average earning assets | $144,907,500 | 3,853 |
| Average equity | $14,426,000 | 4,140 |
| Average total loans | $99,912,000 | 3,962 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 4,696 |
| Cost of funding earning assets | 2.0802% | 2,565 |
| Net interest margin | 3.3196% | 5,669 |
| Noninterest income to average assets | 0.8547% | 2,162 |
| Noninterest expense to average assets | 2.6894% | 5,439 |
| Loan and lease loss provision to assets | 0.3380% | 4,774 |
| Net operating income to assets | 0.6716% | 3,051 |
| Return on assets (ROA) | 0.6930% | 3,035 |
| Pretax return on assets | 0.8195% | 3,185 |
| Return on Equity (ROE) | 7.7666% | 2,472 |
| Retained earnings to average equity (ytd only) | -0.2681% | 5,007 |
| Net charge-offs to loans | 0.5451% | 3,606 |
| Credit loss provision to net charge-offs | 99.8141% | 5,587 |
| Earnings coverage of net charge-offs (x) | 3.3439% | 3,385 |
| Efficiency ratio | 66.5020% | 5,289 |
| Assets per employee ($millions) | 3.5531% | 4,884 |
| Cash dividends to net income (ytd only)* | 103.4514% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 6,411 |
| Loan loss allowance to noncurrent loans | 124.7191% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 4,827 |
| Noncurrent loans to loans | 0.7992% | 5,686 |
| Net loans and leases to total assets | 60.7070% | 5,229 |
| Net loans and leases to deposits | 71.1259% | 5,451 |
| Net loans and leases to core deposits | 85.7039% | 5,546 |
| Total domestic deposits to total assets | 85.3516% | 3,383 |
| Equity capital to assets | 8.8263% | 5,387 |
| Core capital (leverage) ratio | 7.9228% | 6,297 |
| Tier 1 risk-based capital ratio | 11.3919% | 5,520 |
| Total risk-based capital ratio | 12.2954% | 5,844 |
| Memoranda: | ||
| Average total assets | $158,884,200 | 3,793 |
| Average earning assets | $142,004,200 | 3,857 |
| Average equity | $14,176,000 | 4,216 |
| Average total loans | $98,693,600 | 3,991 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4260% | 4,819 |
| Cost of funding earning assets | 2.1309% | 2,743 |
| Net interest margin | 3.2951% | 5,659 |
| Noninterest income to average assets | 0.7337% | 2,805 |
| Noninterest expense to average assets | 2.7149% | 5,259 |
| Loan and lease loss provision to assets | 0.4099% | 3,864 |
| Net operating income to assets | 0.5141% | 3,920 |
| Return on assets (ROA) | 0.6187% | 3,587 |
| Pretax return on assets | 0.6829% | 3,914 |
| Return on Equity (ROE) | 6.9152% | 3,112 |
| Retained earnings to average equity (ytd only) | -1.1903% | 5,532 |
| Net charge-offs to loans | 0.6605% | 2,708 |
| Credit loss provision to net charge-offs | 99.5893% | 5,135 |
| Earnings coverage of net charge-offs (x) | 2.3758% | 4,044 |
| Efficiency ratio | 69.4896% | 4,698 |
| Assets per employee ($millions) | 3.2993% | 5,402 |
| Cash dividends to net income (ytd only)* | 117.2124% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 6,319 |
| Loan loss allowance to noncurrent loans | 108.8332% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 4,531 |
| Noncurrent loans to loans | 0.9157% | 5,462 |
| Net loans and leases to total assets | 62.6040% | 5,140 |
| Net loans and leases to deposits | 75.0539% | 5,201 |
| Net loans and leases to core deposits | 90.8861% | 5,347 |
| Total domestic deposits to total assets | 83.4119% | 4,014 |
| Equity capital to assets | 9.2058% | 5,156 |
| Core capital (leverage) ratio | 7.8722% | 6,542 |
| Tier 1 risk-based capital ratio | 11.3256% | 5,615 |
| Total risk-based capital ratio | 12.2336% | 5,936 |
| Memoranda: | ||
| Average total assets | $157,744,250 | 3,834 |
| Average earning assets | $141,660,250 | 3,895 |
| Average equity | $14,113,500 | 4,266 |
| Average total loans | $98,311,750 | 4,034 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4447% | 4,915 |
| Cost of funding earning assets | 2.2196% | 2,706 |
| Net interest margin | 3.2250% | 5,827 |
| Noninterest income to average assets | 0.6944% | 3,025 |
| Noninterest expense to average assets | 2.7295% | 5,258 |
| Loan and lease loss provision to assets | 0.0800% | 6,389 |
| Net operating income to assets | 0.6357% | 3,532 |
| Return on assets (ROA) | 0.7579% | 3,122 |
| Pretax return on assets | 0.9153% | 3,287 |
| Return on Equity (ROE) | 8.5540% | 2,539 |
| Retained earnings to average equity (ytd only) | -2.2639% | 5,803 |
| Net charge-offs to loans | 0.1249% | 4,913 |
| Credit loss provision to net charge-offs | 103.2787% | 4,443 |
| Earnings coverage of net charge-offs (x) | 10.9508% | 1,949 |
| Efficiency ratio | 72.1079% | 4,391 |
| Assets per employee ($millions) | 3.1637% | 5,683 |
| Cash dividends to net income (ytd only)* | 126.4657% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 6,100 |
| Loan loss allowance to noncurrent loans | 83.1535% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.4451% | 4,080 |
| Noncurrent loans to loans | 1.2222% | 4,764 |
| Net loans and leases to total assets | 61.6934% | 5,407 |
| Net loans and leases to deposits | 72.6740% | 5,645 |
| Net loans and leases to core deposits | 86.7160% | 5,834 |
| Total domestic deposits to total assets | 84.8907% | 3,319 |
| Equity capital to assets | 8.7675% | 5,648 |
| Core capital (leverage) ratio | 7.8165% | 6,592 |
| Tier 1 risk-based capital ratio | 11.4158% | 5,474 |
| Total risk-based capital ratio | 12.3415% | 5,705 |
| Memoranda: | ||
| Average total assets | $157,536,670 | 3,873 |
| Average earning assets | $140,835,330 | 3,927 |
| Average equity | $13,958,330 | 4,314 |
| Average total loans | $97,701,670 | 4,072 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5019% | 4,900 |
| Cost of funding earning assets | 2.3567% | 2,487 |
| Net interest margin | 3.1452% | 6,040 |
| Noninterest income to average assets | 0.6615% | 3,124 |
| Noninterest expense to average assets | 2.5622% | 5,599 |
| Loan and lease loss provision to assets | 0.1247% | 5,365 |
| Net operating income to assets | 0.6252% | 3,912 |
| Return on assets (ROA) | 0.7582% | 3,484 |
| Pretax return on assets | 0.9160% | 3,659 |
| Return on Equity (ROE) | 8.5125% | 2,923 |
| Retained earnings to average equity (ytd only) | -2.7137% | 6,223 |
| Net charge-offs to loans | 0.2385% | 3,208 |
| Credit loss provision to net charge-offs | 84.4828% | 4,120 |
| Earnings coverage of net charge-offs (x) | 5.9655% | 2,574 |
| Efficiency ratio | 70.0665% | 4,566 |
| Assets per employee ($millions) | 3.2899% | 5,340 |
| Cash dividends to net income (ytd only)* | 131.8792% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 6,002 |
| Loan loss allowance to noncurrent loans | 114.3022% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 1.2387% | 4,207 |
| Noncurrent loans to loans | 0.8955% | 5,212 |
| Net loans and leases to total assets | 60.6834% | 5,550 |
| Net loans and leases to deposits | 71.3444% | 5,823 |
| Net loans and leases to core deposits | 84.0079% | 6,059 |
| Total domestic deposits to total assets | 85.0570% | 3,168 |
| Equity capital to assets | 8.8409% | 5,563 |
| Core capital (leverage) ratio | 7.9366% | 6,565 |
| Tier 1 risk-based capital ratio | 11.5656% | 5,346 |
| Total risk-based capital ratio | 12.4926% | 5,565 |
| Memoranda: | ||
| Average total assets | $157,211,500 | 3,879 |
| Average earning assets | $139,007,000 | 3,976 |
| Average equity | $14,003,000 | 4,332 |
| Average total loans | $97,256,000 | 4,107 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0386% | 5,368 |
| Cost of funding earning assets | 2.8893% | 2,310 |
| Net interest margin | 3.1492% | 6,528 |
| Noninterest income to average assets | 0.9354% | 1,832 |
| Noninterest expense to average assets | 2.6320% | 5,524 |
| Loan and lease loss provision to assets | 0.7065% | 2,086 |
| Net operating income to assets | 0.4383% | 4,996 |
| Return on assets (ROA) | 0.4457% | 4,792 |
| Pretax return on assets | 0.4096% | 5,233 |
| Return on Equity (ROE) | 4.7948% | 4,470 |
| Retained earnings to average equity (ytd only) | -0.6747% | 5,503 |
| Net charge-offs to loans | 1.0762% | 1,134 |
| Credit loss provision to net charge-offs | 102.9155% | 5,186 |
| Earnings coverage of net charge-offs (x) | 1.6152% | 5,281 |
| Efficiency ratio | 66.1673% | 5,098 |
| Assets per employee ($millions) | 3.0688% | 5,864 |
| Cash dividends to net income (ytd only)* | 114.0719% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 5,831 |
| Loan loss allowance to noncurrent loans | 90.8265% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.3520% | 3,505 |
| Noncurrent loans to loans | 1.1270% | 4,294 |
| Net loans and leases to total assets | 61.7814% | 5,651 |
| Net loans and leases to deposits | 73.0880% | 5,941 |
| Net loans and leases to core deposits | 86.6333% | 6,092 |
| Total domestic deposits to total assets | 84.5301% | 3,059 |
| Equity capital to assets | 8.9739% | 5,400 |
| Core capital (leverage) ratio | 8.1129% | 6,305 |
| Tier 1 risk-based capital ratio | 11.6263% | 5,129 |
| Total risk-based capital ratio | 12.5640% | 5,321 |
| Memoranda: | ||
| Average total assets | $149,886,600 | 3,900 |
| Average earning assets | $133,525,400 | 3,981 |
| Average equity | $13,931,800 | 4,353 |
| Average total loans | $95,615,000 | 4,067 |