Home > The James Polk Stone Community Bank > Performance and Condition Ratios
The James Polk Stone Community 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 | 5.7679% | 1,549 |
| Cost of funding earning assets | 1.2915% | 3,611 |
| Net interest margin | 4.4765% | 646 |
| Noninterest income to average assets | 1.1200% | 499 |
| Noninterest expense to average assets | 3.4049% | 664 |
| Loan and lease loss provision to assets | 0.1700% | 736 |
| Net operating income to assets | 1.6848% | 768 |
| Return on assets (ROA) | 1.0966% | 2,013 |
| Pretax return on assets | 1.0966% | 2,513 |
| Return on Equity (ROE) | 18.2500% | 615 |
| Retained earnings to average equity (ytd only) | 12.7974% | 652 |
| Net charge-offs to loans | 0.0395% | 1,290 |
| Credit loss provision to net charge-offs | 972.2222% | 348 |
| Earnings coverage of net charge-offs (x) | 104.8889% | 673 |
| Efficiency ratio | 64.7103% | 2,395 |
| Assets per employee ($millions) | 4.5222% | 3,905 |
| Cash dividends to net income (ytd only)* | 29.8655% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4529% | 225 |
| Loan loss allowance to noncurrent loans | 178.1789% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 1,237 |
| Noncurrent loans to loans | 1.3767% | 742 |
| Net loans and leases to total assets | 42.9300% | 3,879 |
| Net loans and leases to deposits | 49.7093% | 3,877 |
| Net loans and leases to core deposits | 51.6075% | 3,939 |
| Total domestic deposits to total assets | 86.3500% | 2,175 |
| Equity capital to assets | 6.2706% | 4,205 |
| Core capital (leverage) ratio | 9.4112% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $406,704,500 | 2,052 |
| Average earning assets | $376,009,500 | 2,054 |
| Average equity | $24,442,500 | 2,734 |
| Average total loans | $182,379,000 | 2,525 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6500% | 1,844 |
| Cost of funding earning assets | 1.5251% | 3,302 |
| Net interest margin | 4.1249% | 1,026 |
| Noninterest income to average assets | 1.0700% | 551 |
| Noninterest expense to average assets | 3.3224% | 739 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.4230% | 1,031 |
| Return on assets (ROA) | 1.4230% | 1,021 |
| Pretax return on assets | 1.4230% | 1,446 |
| Return on Equity (ROE) | 25.4500% | 179 |
| Retained earnings to average equity (ytd only) | 13.5109% | 201 |
| Net charge-offs to loans | 0.0769% | 1,369 |
| Credit loss provision to net charge-offs | 303.8462% | 855 |
| Earnings coverage of net charge-offs (x) | 45.6462% | 1,268 |
| Efficiency ratio | 68.5466% | 2,174 |
| Assets per employee ($millions) | 4.4163% | 3,949 |
| Cash dividends to net income (ytd only)* | 46.9038% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3330% | 245 |
| Loan loss allowance to noncurrent loans | 236.4790% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 1,562 |
| Noncurrent loans to loans | 0.9866% | 1,012 |
| Net loans and leases to total assets | 44.6400% | 3,864 |
| Net loans and leases to deposits | 51.4491% | 3,870 |
| Net loans and leases to core deposits | 53.1712% | 3,943 |
| Total domestic deposits to total assets | 86.7600% | 1,949 |
| Equity capital to assets | 5.7429% | 4,249 |
| Core capital (leverage) ratio | 9.5543% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $389,234,400 | 2,075 |
| Average earning assets | $356,495,400 | 2,090 |
| Average equity | $21,767,600 | 2,849 |
| Average total loans | $168,966,200 | 2,585 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 1,903 |
| Cost of funding earning assets | 1.5537% | 3,263 |
| Net interest margin | 4.0460% | 1,079 |
| Noninterest income to average assets | 1.1400% | 483 |
| Noninterest expense to average assets | 3.3005% | 732 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.4615% | 988 |
| Return on assets (ROA) | 1.4615% | 987 |
| Pretax return on assets | 1.4615% | 1,382 |
| Return on Equity (ROE) | 26.3200% | 174 |
| Retained earnings to average equity (ytd only) | 10.1617% | 821 |
| Net charge-offs to loans | 0.0339% | 1,644 |
| Credit loss provision to net charge-offs | 535.7143% | 599 |
| Earnings coverage of net charge-offs (x) | 106.1190% | 765 |
| Efficiency ratio | 68.1961% | 2,242 |
| Assets per employee ($millions) | 4.6643% | 3,857 |
| Cash dividends to net income (ytd only)* | 61.3894% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4618% | 230 |
| Loan loss allowance to noncurrent loans | 242.3875% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 1,553 |
| Noncurrent loans to loans | 1.0157% | 981 |
| Net loans and leases to total assets | 42.5000% | 3,949 |
| Net loans and leases to deposits | 49.7675% | 3,966 |
| Net loans and leases to core deposits | 50.9665% | 4,021 |
| Total domestic deposits to total assets | 85.4000% | 2,166 |
| Equity capital to assets | 6.3881% | 4,264 |
| Core capital (leverage) ratio | 9.3705% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $386,071,750 | 2,078 |
| Average earning assets | $352,962,500 | 2,099 |
| Average equity | $21,439,500 | 2,872 |
| Average total loans | $165,291,000 | 2,607 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5343% | 1,911 |
| Cost of funding earning assets | 1.5589% | 3,159 |
| Net interest margin | 3.9754% | 1,146 |
| Noninterest income to average assets | 1.0900% | 518 |
| Noninterest expense to average assets | 3.1919% | 840 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 1.4333% | 1,027 |
| Return on assets (ROA) | 1.4333% | 1,024 |
| Pretax return on assets | 1.4333% | 1,410 |
| Return on Equity (ROE) | 27.2000% | 172 |
| Retained earnings to average equity (ytd only) | 7.4001% | 1,538 |
| Net charge-offs to loans | 0.0049% | 2,270 |
| Credit loss provision to net charge-offs | 3,375.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 160 |
| Efficiency ratio | 67.9787% | 2,337 |
| Assets per employee ($millions) | 4.2831% | 4,021 |
| Cash dividends to net income (ytd only)* | 72.7933% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5072% | 224 |
| Loan loss allowance to noncurrent loans | 263.7230% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 1,554 |
| Noncurrent loans to loans | 0.9507% | 990 |
| Net loans and leases to total assets | 42.3400% | 3,967 |
| Net loans and leases to deposits | 48.7886% | 3,989 |
| Net loans and leases to core deposits | 49.7074% | 4,055 |
| Total domestic deposits to total assets | 86.7900% | 1,727 |
| Equity capital to assets | 5.3844% | 4,322 |
| Core capital (leverage) ratio | 9.1722% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $384,161,000 | 2,079 |
| Average earning assets | $348,841,667 | 2,108 |
| Average equity | $20,243,000 | 2,922 |
| Average total loans | $163,479,333 | 2,617 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 1,998 |
| Cost of funding earning assets | 1.5474% | 3,088 |
| Net interest margin | 3.8536% | 1,286 |
| Noninterest income to average assets | 1.1400% | 461 |
| Noninterest expense to average assets | 3.2735% | 748 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.2976% | 1,238 |
| Return on assets (ROA) | 1.2976% | 1,247 |
| Pretax return on assets | 1.2976% | 1,647 |
| Return on Equity (ROE) | 24.8900% | 235 |
| Retained earnings to average equity (ytd only) | 9.3921% | 1,227 |
| Net charge-offs to loans | -0.0074% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.6514% | 2,080 |
| Assets per employee ($millions) | 4.5013% | 3,941 |
| Cash dividends to net income (ytd only)* | 62.2702% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5164% | 191 |
| Loan loss allowance to noncurrent loans | 458.7640% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 2,195 |
| Noncurrent loans to loans | 0.5485% | 1,550 |
| Net loans and leases to total assets | 41.3400% | 3,986 |
| Net loans and leases to deposits | 47.4262% | 4,008 |
| Net loans and leases to core deposits | 48.9527% | 4,091 |
| Total domestic deposits to total assets | 87.1700% | 1,717 |
| Equity capital to assets | 5.2311% | 4,349 |
| Core capital (leverage) ratio | 9.1152% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $385,645,000 | 2,085 |
| Average earning assets | $349,487,500 | 2,115 |
| Average equity | $20,102,000 | 2,944 |
| Average total loans | $162,436,000 | 2,619 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0506% | 1,974 |
| Cost of funding earning assets | 1.0894% | 3,098 |
| Net interest margin | 3.9612% | 1,265 |
| Noninterest income to average assets | 1.3200% | 454 |
| Noninterest expense to average assets | 3.4521% | 614 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.2665% | 1,502 |
| Return on assets (ROA) | 1.2665% | 1,474 |
| Pretax return on assets | 1.2665% | 1,968 |
| Return on Equity (ROE) | 27.8700% | 217 |
| Retained earnings to average equity (ytd only) | 20.0046% | 132 |
| Net charge-offs to loans | 0.3600% | 299 |
| Credit loss provision to net charge-offs | 103.1915% | 1,809 |
| Earnings coverage of net charge-offs (x) | 8.7411% | 2,326 |
| Efficiency ratio | 70.6215% | 1,804 |
| Assets per employee ($millions) | 4.7985% | 3,775 |
| Cash dividends to net income (ytd only)* | 28.2199% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4721% | 200 |
| Loan loss allowance to noncurrent loans | 436.4821% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 2,029 |
| Noncurrent loans to loans | 0.5664% | 1,380 |
| Net loans and leases to total assets | 40.8000% | 4,011 |
| Net loans and leases to deposits | 46.3963% | 4,034 |
| Net loans and leases to core deposits | 47.7687% | 4,128 |
| Total domestic deposits to total assets | 87.9500% | 1,376 |
| Equity capital to assets | 5.1943% | 4,381 |
| Core capital (leverage) ratio | 9.8636% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $343,296,000 | 2,220 |
| Average earning assets | $308,973,000 | 2,252 |
| Average equity | $15,601,400 | 3,214 |
| Average total loans | $156,683,600 | 2,621 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 1,882 |
| Cost of funding earning assets | 0.9748% | 3,108 |
| Net interest margin | 4.0005% | 1,212 |
| Noninterest income to average assets | 1.3600% | 439 |
| Noninterest expense to average assets | 3.5884% | 505 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.3170% | 1,507 |
| Return on assets (ROA) | 1.3170% | 1,491 |
| Pretax return on assets | 1.3170% | 1,988 |
| Return on Equity (ROE) | 30.2500% | 219 |
| Retained earnings to average equity (ytd only) | 18.9279% | 300 |
| Net charge-offs to loans | 0.1581% | 532 |
| Credit loss provision to net charge-offs | 117.9348% | 1,495 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,847 |
| Efficiency ratio | 71.8745% | 1,586 |
| Assets per employee ($millions) | 3.9104% | 4,204 |
| Cash dividends to net income (ytd only)* | 37.4199% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4805% | 200 |
| Loan loss allowance to noncurrent loans | 439.5425% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 1,904 |
| Noncurrent loans to loans | 0.5643% | 1,422 |
| Net loans and leases to total assets | 47.7300% | 3,754 |
| Net loans and leases to deposits | 53.2863% | 3,822 |
| Net loans and leases to core deposits | 55.2371% | 3,893 |
| Total domestic deposits to total assets | 89.5700% | 1,046 |
| Equity capital to assets | 3.7195% | 4,430 |
| Core capital (leverage) ratio | 10.1247% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $331,950,500 | 2,259 |
| Average earning assets | $301,588,250 | 2,297 |
| Average equity | $14,454,500 | 3,309 |
| Average total loans | $155,200,750 | 2,638 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7871% | 2,021 |
| Cost of funding earning assets | 0.8572% | 3,053 |
| Net interest margin | 3.9298% | 1,371 |
| Noninterest income to average assets | 1.3200% | 378 |
| Noninterest expense to average assets | 3.5117% | 534 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3134% | 1,535 |
| Return on assets (ROA) | 1.3134% | 1,519 |
| Pretax return on assets | 1.3134% | 2,044 |
| Return on Equity (ROE) | 28.7600% | 244 |
| Retained earnings to average equity (ytd only) | 18.2422% | 328 |
| Net charge-offs to loans | 0.1166% | 616 |
| Credit loss provision to net charge-offs | 137.0787% | 1,252 |
| Earnings coverage of net charge-offs (x) | 25.8539% | 1,619 |
| Efficiency ratio | 71.6870% | 1,593 |
| Assets per employee ($millions) | 3.9974% | 4,180 |
| Cash dividends to net income (ytd only)* | 36.5764% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5722% | 199 |
| Loan loss allowance to noncurrent loans | 421.1900% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 1,087 |
| Noncurrent loans to loans | 0.6107% | 1,223 |
| Net loans and leases to total assets | 45.5100% | 3,819 |
| Net loans and leases to deposits | 51.3514% | 3,863 |
| Net loans and leases to core deposits | 53.2073% | 3,918 |
| Total domestic deposits to total assets | 88.6300% | 1,369 |
| Equity capital to assets | 4.7903% | 4,410 |
| Core capital (leverage) ratio | 9.8870% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $331,806,000 | 2,272 |
| Average earning assets | $301,896,000 | 2,298 |
| Average equity | $15,151,667 | 3,254 |
| Average total loans | $152,710,667 | 2,650 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 2,041 |
| Cost of funding earning assets | 0.6825% | 3,111 |
| Net interest margin | 3.9356% | 1,396 |
| Noninterest income to average assets | 1.2200% | 434 |
| Noninterest expense to average assets | 3.7330% | 431 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9993% | 2,525 |
| Return on assets (ROA) | 0.9993% | 2,495 |
| Pretax return on assets | 0.9993% | 2,999 |
| Return on Equity (ROE) | 22.4400% | 551 |
| Retained earnings to average equity (ytd only) | 19.4484% | 408 |
| Net charge-offs to loans | 0.0478% | 884 |
| Credit loss provision to net charge-offs | 344.4444% | 647 |
| Earnings coverage of net charge-offs (x) | 49.2222% | 1,107 |
| Efficiency ratio | 77.6488% | 1,030 |
| Assets per employee ($millions) | 3.9220% | 4,283 |
| Cash dividends to net income (ytd only)* | 13.3495% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6248% | 199 |
| Loan loss allowance to noncurrent loans | 311.7103% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 815 |
| Noncurrent loans to loans | 0.8421% | 906 |
| Net loans and leases to total assets | 45.0300% | 3,824 |
| Net loans and leases to deposits | 50.8307% | 3,852 |
| Net loans and leases to core deposits | 52.7846% | 3,877 |
| Total domestic deposits to total assets | 88.5800% | 1,707 |
| Equity capital to assets | 4.9072% | 4,433 |
| Core capital (leverage) ratio | 10.0397% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $329,816,500 | 2,313 |
| Average earning assets | $300,637,500 | 2,340 |
| Average equity | $14,685,000 | 3,335 |
| Average total loans | $150,632,500 | 2,696 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 1,065 |
| Cost of funding earning assets | 0.1101% | 4,341 |
| Net interest margin | 4.1836% | 560 |
| Noninterest income to average assets | 1.3300% | 392 |
| Noninterest expense to average assets | 3.5355% | 476 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.3574% | 1,254 |
| Return on assets (ROA) | 1.3574% | 1,211 |
| Pretax return on assets | 1.3574% | 1,915 |
| Return on Equity (ROE) | 26.3800% | 168 |
| Retained earnings to average equity (ytd only) | 17.2816% | 161 |
| Net charge-offs to loans | -0.0301% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.0324% | 1,820 |
| Assets per employee ($millions) | 3.7938% | 4,351 |
| Cash dividends to net income (ytd only)* | 34.4804% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7202% | 170 |
| Loan loss allowance to noncurrent loans | 279.2742% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 724 |
| Noncurrent loans to loans | 0.9740% | 752 |
| Net loans and leases to total assets | 43.8700% | 3,901 |
| Net loans and leases to deposits | 48.7384% | 3,946 |
| Net loans and leases to core deposits | 48.9635% | 4,021 |
| Total domestic deposits to total assets | 90.0000% | 1,363 |
| Equity capital to assets | 3.9879% | 4,521 |
| Core capital (leverage) ratio | 9.7414% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $323,264,600 | 2,335 |
| Average earning assets | $293,290,200 | 2,369 |
| Average equity | $16,636,200 | 3,228 |
| Average total loans | $139,726,000 | 2,729 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 811 |
| Cost of funding earning assets | 0.0385% | 4,619 |
| Net interest margin | 4.2081% | 413 |
| Noninterest income to average assets | 1.3300% | 416 |
| Noninterest expense to average assets | 3.4801% | 494 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.4258% | 1,020 |
| Return on assets (ROA) | 1.4258% | 989 |
| Pretax return on assets | 1.4258% | 1,644 |
| Return on Equity (ROE) | 26.2100% | 158 |
| Retained earnings to average equity (ytd only) | 14.7144% | 390 |
| Net charge-offs to loans | -0.1102% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.3890% | 1,967 |
| Assets per employee ($millions) | 3.8819% | 4,372 |
| Cash dividends to net income (ytd only)* | 43.8678% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6114% | 208 |
| Loan loss allowance to noncurrent loans | 234.4507% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 698 |
| Noncurrent loans to loans | 1.1138% | 667 |
| Net loans and leases to total assets | 44.2500% | 3,862 |
| Net loans and leases to deposits | 48.5291% | 3,932 |
| Net loans and leases to core deposits | 48.7643% | 4,009 |
| Total domestic deposits to total assets | 91.1800% | 1,164 |
| Equity capital to assets | 2.6203% | 4,616 |
| Core capital (leverage) ratio | 9.4016% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $322,515,000 | 2,357 |
| Average earning assets | $287,693,500 | 2,415 |
| Average equity | $17,542,500 | 3,194 |
| Average total loans | $137,877,750 | 2,755 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 910 |
| Cost of funding earning assets | 0.0055% | 4,747 |
| Net interest margin | 4.0114% | 483 |
| Noninterest income to average assets | 1.3040% | 427 |
| Noninterest expense to average assets | 3.3737% | 493 |
| Loan and lease loss provision to assets | 0.1519% | 627 |
| Net operating income to assets | 1.3732% | 972 |
| Return on assets (ROA) | 1.3732% | 951 |
| Pretax return on assets | 1.3732% | 1,514 |
| Return on Equity (ROE) | 21.5821% | 216 |
| Retained earnings to average equity (ytd only) | 13.1783% | 445 |
| Net charge-offs to loans | -0.1504% | 4,533 |
| Credit loss provision to net charge-offs | -241.1765% | 3,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8682% | 2,120 |
| Assets per employee ($millions) | 3.9421% | 4,395 |
| Cash dividends to net income (ytd only)* | 38.9388% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5263% | 253 |
| Loan loss allowance to noncurrent loans | 190.0426% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8053% | 650 |
| Noncurrent loans to loans | 1.3293% | 589 |
| Net loans and leases to total assets | 42.6005% | 3,929 |
| Net loans and leases to deposits | 47.5283% | 3,946 |
| Net loans and leases to core deposits | 47.7590% | 4,036 |
| Total domestic deposits to total assets | 89.6319% | 1,883 |
| Equity capital to assets | 4.3690% | 4,578 |
| Core capital (leverage) ratio | 9.2791% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,914,000 | 2,368 |
| Average earning assets | $290,275,333 | 2,430 |
| Average equity | $20,609,667 | 3,008 |
| Average total loans | $135,625,000 | 2,790 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 908 |
| Cost of funding earning assets | 0.0055% | 4,764 |
| Net interest margin | 3.9068% | 495 |
| Noninterest income to average assets | 1.2484% | 455 |
| Noninterest expense to average assets | 3.2161% | 590 |
| Loan and lease loss provision to assets | 0.1184% | 703 |
| Net operating income to assets | 1.4026% | 793 |
| Return on assets (ROA) | 1.4026% | 787 |
| Pretax return on assets | 1.4026% | 1,244 |
| Return on Equity (ROE) | 19.0668% | 276 |
| Retained earnings to average equity (ytd only) | 19.0668% | 117 |
| Net charge-offs to loans | -0.1024% | 4,459 |
| Credit loss provision to net charge-offs | -282.3529% | 3,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8906% | 2,521 |
| Assets per employee ($millions) | 3.9718% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5497% | 270 |
| Loan loss allowance to noncurrent loans | 168.3074% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 651 |
| Noncurrent loans to loans | 1.5149% | 536 |
| Net loans and leases to total assets | 39.3243% | 4,053 |
| Net loans and leases to deposits | 44.3223% | 4,048 |
| Net loans and leases to core deposits | 44.5381% | 4,135 |
| Total domestic deposits to total assets | 88.7236% | 2,199 |
| Equity capital to assets | 5.9818% | 4,589 |
| Core capital (leverage) ratio | 9.1145% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,245,000 | 2,372 |
| Average earning assets | $289,549,500 | 2,445 |
| Average equity | $23,853,000 | 2,845 |
| Average total loans | $132,799,500 | 2,819 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 976 |
| Cost of funding earning assets | 0.0073% | 4,807 |
| Net interest margin | 4.2029% | 485 |
| Noninterest income to average assets | 1.3513% | 593 |
| Noninterest expense to average assets | 3.4964% | 477 |
| Loan and lease loss provision to assets | 0.2332% | 425 |
| Net operating income to assets | 1.4072% | 1,253 |
| Return on assets (ROA) | 1.4072% | 1,312 |
| Pretax return on assets | 1.4072% | 2,029 |
| Return on Equity (ROE) | 15.2674% | 891 |
| Retained earnings to average equity (ytd only) | 3.4632% | 3,429 |
| Net charge-offs to loans | 0.4750% | 175 |
| Credit loss provision to net charge-offs | 112.8776% | 1,690 |
| Earnings coverage of net charge-offs (x) | 7.9412% | 2,322 |
| Efficiency ratio | 68.0667% | 1,965 |
| Assets per employee ($millions) | 3.7977% | 4,496 |
| Cash dividends to net income (ytd only)* | 77.3162% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4006% | 324 |
| Loan loss allowance to noncurrent loans | 150.5140% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 661 |
| Noncurrent loans to loans | 1.5950% | 550 |
| Net loans and leases to total assets | 40.5674% | 4,059 |
| Net loans and leases to deposits | 47.0157% | 4,048 |
| Net loans and leases to core deposits | 47.2533% | 4,128 |
| Total domestic deposits to total assets | 86.2847% | 2,809 |
| Equity capital to assets | 8.7435% | 3,849 |
| Core capital (leverage) ratio | 8.9379% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,515,200 | 2,414 |
| Average earning assets | $274,261,200 | 2,460 |
| Average equity | $28,066,400 | 2,647 |
| Average total loans | $132,423,400 | 2,821 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 1,069 |
| Cost of funding earning assets | 0.0079% | 4,883 |
| Net interest margin | 4.2194% | 519 |
| Noninterest income to average assets | 1.3424% | 659 |
| Noninterest expense to average assets | 3.4263% | 511 |
| Loan and lease loss provision to assets | 0.1910% | 552 |
| Net operating income to assets | 1.5167% | 1,234 |
| Return on assets (ROA) | 1.5167% | 1,283 |
| Pretax return on assets | 1.5167% | 1,956 |
| Return on Equity (ROE) | 16.2316% | 900 |
| Retained earnings to average equity (ytd only) | 0.4710% | 4,500 |
| Net charge-offs to loans | 0.5283% | 149 |
| Credit loss provision to net charge-offs | 82.2180% | 1,704 |
| Earnings coverage of net charge-offs (x) | 7.3461% | 2,140 |
| Efficiency ratio | 66.7359% | 1,998 |
| Assets per employee ($millions) | 3.8422% | 4,527 |
| Cash dividends to net income (ytd only)* | 97.0985% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3193% | 379 |
| Loan loss allowance to noncurrent loans | 126.1175% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.0090% | 651 |
| Noncurrent loans to loans | 1.8390% | 517 |
| Net loans and leases to total assets | 40.7317% | 4,169 |
| Net loans and leases to deposits | 46.4321% | 4,213 |
| Net loans and leases to core deposits | 46.6685% | 4,295 |
| Total domestic deposits to total assets | 87.7231% | 1,993 |
| Equity capital to assets | 8.8754% | 3,943 |
| Core capital (leverage) ratio | 9.1876% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,943,750 | 2,459 |
| Average earning assets | $269,539,500 | 2,510 |
| Average equity | $28,027,000 | 2,680 |
| Average total loans | $131,986,000 | 2,866 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 1,164 |
| Cost of funding earning assets | 0.0083% | 4,918 |
| Net interest margin | 4.2059% | 579 |
| Noninterest income to average assets | 1.2886% | 700 |
| Noninterest expense to average assets | 3.4635% | 492 |
| Loan and lease loss provision to assets | 0.1492% | 799 |
| Net operating income to assets | 1.4567% | 1,406 |
| Return on assets (ROA) | 1.4567% | 1,477 |
| Pretax return on assets | 1.4567% | 2,149 |
| Return on Equity (ROE) | 15.3164% | 1,086 |
| Retained earnings to average equity (ytd only) | -6.2678% | 4,811 |
| Net charge-offs to loans | 0.7323% | 111 |
| Credit loss provision to net charge-offs | 45.4545% | 1,628 |
| Earnings coverage of net charge-offs (x) | 4.8926% | 2,015 |
| Efficiency ratio | 68.3211% | 1,838 |
| Assets per employee ($millions) | 3.7718% | 4,566 |
| Cash dividends to net income (ytd only)* | 140.9218% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 455 |
| Loan loss allowance to noncurrent loans | 125.6332% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 616 |
| Noncurrent loans to loans | 1.7247% | 610 |
| Net loans and leases to total assets | 43.0497% | 4,110 |
| Net loans and leases to deposits | 49.0031% | 4,161 |
| Net loans and leases to core deposits | 49.2633% | 4,264 |
| Total domestic deposits to total assets | 87.8510% | 1,911 |
| Equity capital to assets | 9.0083% | 3,786 |
| Core capital (leverage) ratio | 8.9549% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,904,333 | 2,477 |
| Average earning assets | $265,104,667 | 2,536 |
| Average equity | $28,048,333 | 2,671 |
| Average total loans | $132,189,000 | 2,873 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 960 |
| Cost of funding earning assets | 0.0091% | 4,947 |
| Net interest margin | 4.3469% | 474 |
| Noninterest income to average assets | 1.2049% | 848 |
| Noninterest expense to average assets | 3.4636% | 493 |
| Loan and lease loss provision to assets | 0.1510% | 865 |
| Net operating income to assets | 1.5301% | 1,263 |
| Return on assets (ROA) | 1.5301% | 1,326 |
| Pretax return on assets | 1.5301% | 1,916 |
| Return on Equity (ROE) | 15.6593% | 1,083 |
| Retained earnings to average equity (ytd only) | -5.3649% | 4,710 |
| Net charge-offs to loans | -0.0879% | 4,597 |
| Credit loss provision to net charge-offs | -379.3103% | 3,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3246% | 2,024 |
| Assets per employee ($millions) | 3.6698% | 4,636 |
| Cash dividends to net income (ytd only)* | 134.2601% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4795% | 268 |
| Loan loss allowance to noncurrent loans | 86.2421% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.6019% | 369 |
| Noncurrent loans to loans | 2.8751% | 282 |
| Net loans and leases to total assets | 44.0890% | 4,105 |
| Net loans and leases to deposits | 50.3423% | 4,138 |
| Net loans and leases to core deposits | 50.4600% | 4,271 |
| Total domestic deposits to total assets | 87.5786% | 2,054 |
| Equity capital to assets | 9.3160% | 3,371 |
| Core capital (leverage) ratio | 9.4121% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,484,500 | 2,479 |
| Average earning assets | $264,185,500 | 2,528 |
| Average equity | $28,481,500 | 2,639 |
| Average total loans | $131,895,000 | 2,877 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 847 |
| Cost of funding earning assets | 0.0308% | 4,961 |
| Net interest margin | 4.6949% | 216 |
| Noninterest income to average assets | 1.3502% | 638 |
| Noninterest expense to average assets | 3.6173% | 588 |
| Loan and lease loss provision to assets | 0.2723% | 1,416 |
| Net operating income to assets | 1.6635% | 551 |
| Return on assets (ROA) | 1.6635% | 594 |
| Pretax return on assets | 1.6635% | 921 |
| Return on Equity (ROE) | 15.7177% | 537 |
| Retained earnings to average equity (ytd only) | 3.3080% | 3,175 |
| Net charge-offs to loans | 0.1748% | 955 |
| Credit loss provision to net charge-offs | 316.9643% | 1,676 |
| Earnings coverage of net charge-offs (x) | 22.5357% | 1,847 |
| Efficiency ratio | 65.1405% | 2,654 |
| Assets per employee ($millions) | 3.6174% | 4,601 |
| Cash dividends to net income (ytd only)* | 78.9534% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4050% | 294 |
| Loan loss allowance to noncurrent loans | 153.5314% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.0059% | 942 |
| Noncurrent loans to loans | 1.5664% | 846 |
| Net loans and leases to total assets | 44.2002% | 4,234 |
| Net loans and leases to deposits | 51.5114% | 4,242 |
| Net loans and leases to core deposits | 51.6362% | 4,362 |
| Total domestic deposits to total assets | 85.8066% | 2,453 |
| Equity capital to assets | 10.2330% | 2,897 |
| Core capital (leverage) ratio | 9.8407% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,776,600 | 2,513 |
| Average earning assets | $233,445,400 | 2,575 |
| Average equity | $27,599,400 | 2,631 |
| Average total loans | $128,163,200 | 2,886 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 816 |
| Cost of funding earning assets | 0.0388% | 4,994 |
| Net interest margin | 4.8057% | 201 |
| Noninterest income to average assets | 1.3942% | 573 |
| Noninterest expense to average assets | 3.6831% | 548 |
| Loan and lease loss provision to assets | 0.2788% | 1,442 |
| Net operating income to assets | 1.7348% | 531 |
| Return on assets (ROA) | 1.7348% | 592 |
| Pretax return on assets | 1.7348% | 900 |
| Return on Equity (ROE) | 16.2382% | 523 |
| Retained earnings to average equity (ytd only) | -0.6151% | 4,570 |
| Net charge-offs to loans | 0.1590% | 929 |
| Credit loss provision to net charge-offs | 348.6842% | 1,615 |
| Earnings coverage of net charge-offs (x) | 25.1974% | 1,729 |
| Efficiency ratio | 64.6549% | 2,639 |
| Assets per employee ($millions) | 3.6184% | 4,600 |
| Cash dividends to net income (ytd only)* | 103.7879% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 303 |
| Loan loss allowance to noncurrent loans | 192.4779% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 1,285 |
| Noncurrent loans to loans | 1.1875% | 1,284 |
| Net loans and leases to total assets | 46.7231% | 4,278 |
| Net loans and leases to deposits | 54.7137% | 4,309 |
| Net loans and leases to core deposits | 54.7714% | 4,420 |
| Total domestic deposits to total assets | 85.3957% | 2,284 |
| Equity capital to assets | 10.1110% | 3,137 |
| Core capital (leverage) ratio | 9.6929% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,623,750 | 2,542 |
| Average earning assets | $227,057,250 | 2,599 |
| Average equity | $27,096,000 | 2,661 |
| Average total loans | $127,438,500 | 2,900 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0831% | 708 |
| Cost of funding earning assets | 0.0549% | 5,020 |
| Net interest margin | 5.0283% | 191 |
| Noninterest income to average assets | 1.4114% | 530 |
| Noninterest expense to average assets | 3.5973% | 653 |
| Loan and lease loss provision to assets | 0.2854% | 1,504 |
| Net operating income to assets | 2.0131% | 327 |
| Return on assets (ROA) | 2.0131% | 360 |
| Pretax return on assets | 2.0131% | 532 |
| Return on Equity (ROE) | 18.4683% | 336 |
| Retained earnings to average equity (ytd only) | -1.2043% | 4,503 |
| Net charge-offs to loans | 0.1705% | 872 |
| Credit loss provision to net charge-offs | 327.1028% | 1,558 |
| Earnings coverage of net charge-offs (x) | 26.3458% | 1,528 |
| Efficiency ratio | 61.0151% | 3,276 |
| Assets per employee ($millions) | 3.7532% | 4,507 |
| Cash dividends to net income (ytd only)* | 106.5209% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1925% | 339 |
| Loan loss allowance to noncurrent loans | 213.1136% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 1,407 |
| Noncurrent loans to loans | 1.0288% | 1,514 |
| Net loans and leases to total assets | 48.0217% | 4,251 |
| Net loans and leases to deposits | 55.9530% | 4,293 |
| Net loans and leases to core deposits | 56.0136% | 4,433 |
| Total domestic deposits to total assets | 85.8251% | 2,086 |
| Equity capital to assets | 10.3596% | 2,874 |
| Core capital (leverage) ratio | 10.1945% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,293,000 | 2,570 |
| Average earning assets | $218,762,667 | 2,640 |
| Average equity | $26,737,667 | 2,669 |
| Average total loans | $125,510,333 | 2,912 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4325% | 431 |
| Cost of funding earning assets | 0.0934% | 5,050 |
| Net interest margin | 5.3391% | 120 |
| Noninterest income to average assets | 1.4827% | 406 |
| Noninterest expense to average assets | 3.7917% | 629 |
| Loan and lease loss provision to assets | 0.2921% | 1,061 |
| Net operating income to assets | 2.1149% | 218 |
| Return on assets (ROA) | 2.1149% | 240 |
| Pretax return on assets | 2.1149% | 363 |
| Return on Equity (ROE) | 18.8594% | 217 |
| Retained earnings to average equity (ytd only) | 8.9011% | 999 |
| Net charge-offs to loans | 0.2132% | 654 |
| Credit loss provision to net charge-offs | 261.5385% | 1,263 |
| Earnings coverage of net charge-offs (x) | 21.5538% | 1,386 |
| Efficiency ratio | 61.1696% | 3,594 |
| Assets per employee ($millions) | 3.2308% | 4,674 |
| Cash dividends to net income (ytd only)* | 52.8026% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2130% | 366 |
| Loan loss allowance to noncurrent loans | 179.8183% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 1,237 |
| Noncurrent loans to loans | 1.2307% | 1,325 |
| Net loans and leases to total assets | 51.9152% | 4,119 |
| Net loans and leases to deposits | 60.7262% | 4,174 |
| Net loans and leases to core deposits | 60.8019% | 4,321 |
| Total domestic deposits to total assets | 85.4907% | 2,217 |
| Equity capital to assets | 10.9554% | 2,900 |
| Core capital (leverage) ratio | 11.6565% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,823,500 | 2,606 |
| Average earning assets | $205,652,500 | 2,697 |
| Average equity | $26,109,000 | 2,704 |
| Average total loans | $121,926,000 | 2,935 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 1,061 |
| Cost of funding earning assets | 0.2139% | 4,927 |
| Net interest margin | 4.9568% | 291 |
| Noninterest income to average assets | 1.4443% | 449 |
| Noninterest expense to average assets | 4.0924% | 476 |
| Loan and lease loss provision to assets | 0.2633% | 683 |
| Net operating income to assets | 1.5944% | 847 |
| Return on assets (ROA) | 1.5944% | 899 |
| Pretax return on assets | 1.5944% | 1,498 |
| Return on Equity (ROE) | 14.1511% | 872 |
| Retained earnings to average equity (ytd only) | 4.7365% | 2,562 |
| Net charge-offs to loans | 0.1194% | 1,557 |
| Credit loss provision to net charge-offs | 444.4444% | 649 |
| Earnings coverage of net charge-offs (x) | 31.3556% | 1,538 |
| Efficiency ratio | 68.7786% | 2,349 |
| Assets per employee ($millions) | 3.3304% | 4,620 |
| Cash dividends to net income (ytd only)* | 66.5290% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2480% | 312 |
| Loan loss allowance to noncurrent loans | 191.4573% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.0744% | 1,152 |
| Noncurrent loans to loans | 1.1741% | 1,286 |
| Net loans and leases to total assets | 50.4671% | 4,312 |
| Net loans and leases to deposits | 61.1820% | 4,234 |
| Net loans and leases to core deposits | 61.3458% | 4,372 |
| Total domestic deposits to total assets | 82.4869% | 3,367 |
| Equity capital to assets | 11.4796% | 2,546 |
| Core capital (leverage) ratio | 11.5332% | 2,084 |
| Tier 1 risk-based capital ratio | 21.4593% | 1,089 |
| Total risk-based capital ratio | 22.7197% | 1,066 |
| Memoranda: | ||
| Average total assets | $227,861,600 | 2,596 |
| Average earning assets | $207,127,800 | 2,635 |
| Average equity | $25,673,000 | 2,662 |
| Average total loans | $113,100,200 | 3,035 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 1,258 |
| Cost of funding earning assets | 0.2433% | 4,935 |
| Net interest margin | 4.8719% | 365 |
| Noninterest income to average assets | 1.4284% | 447 |
| Noninterest expense to average assets | 4.0009% | 532 |
| Loan and lease loss provision to assets | 0.2639% | 591 |
| Net operating income to assets | 1.6131% | 903 |
| Return on assets (ROA) | 1.6131% | 940 |
| Pretax return on assets | 1.6131% | 1,591 |
| Return on Equity (ROE) | 14.3861% | 911 |
| Retained earnings to average equity (ytd only) | 1.7466% | 4,350 |
| Net charge-offs to loans | 0.0919% | 1,555 |
| Credit loss provision to net charge-offs | 584.4156% | 555 |
| Earnings coverage of net charge-offs (x) | 41.5731% | 1,338 |
| Efficiency ratio | 68.0666% | 2,410 |
| Assets per employee ($millions) | 3.3392% | 4,638 |
| Cash dividends to net income (ytd only)* | 87.8590% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2704% | 301 |
| Loan loss allowance to noncurrent loans | 196.1890% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 1.0469% | 1,270 |
| Noncurrent loans to loans | 1.1573% | 1,366 |
| Net loans and leases to total assets | 47.4006% | 4,527 |
| Net loans and leases to deposits | 57.1488% | 4,507 |
| Net loans and leases to core deposits | 57.3734% | 4,642 |
| Total domestic deposits to total assets | 82.9424% | 3,190 |
| Equity capital to assets | 10.9539% | 3,140 |
| Core capital (leverage) ratio | 11.0553% | 2,598 |
| Tier 1 risk-based capital ratio | 19.0084% | 1,565 |
| Total risk-based capital ratio | 20.2668% | 1,536 |
| Memoranda: | ||
| Average total assets | $227,377,250 | 2,623 |
| Average earning assets | $207,662,250 | 2,651 |
| Average equity | $25,496,250 | 2,685 |
| Average total loans | $111,715,250 | 3,090 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 1,233 |
| Cost of funding earning assets | 0.2550% | 4,944 |
| Net interest margin | 4.8389% | 382 |
| Noninterest income to average assets | 1.4339% | 429 |
| Noninterest expense to average assets | 4.0585% | 495 |
| Loan and lease loss provision to assets | 0.2664% | 567 |
| Net operating income to assets | 1.5396% | 1,032 |
| Return on assets (ROA) | 1.5396% | 1,085 |
| Pretax return on assets | 1.5396% | 1,731 |
| Return on Equity (ROE) | 13.6212% | 1,072 |
| Retained earnings to average equity (ytd only) | 1.3433% | 4,338 |
| Net charge-offs to loans | 0.0468% | 1,981 |
| Credit loss provision to net charge-offs | 1,153.8462% | 304 |
| Earnings coverage of net charge-offs (x) | 78.2308% | 831 |
| Efficiency ratio | 69.2051% | 2,347 |
| Assets per employee ($millions) | 3.4633% | 4,539 |
| Cash dividends to net income (ytd only)* | 90.1384% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2137% | 328 |
| Loan loss allowance to noncurrent loans | 230.6617% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.9192% | 1,514 |
| Noncurrent loans to loans | 0.9597% | 1,698 |
| Net loans and leases to total assets | 47.8301% | 4,578 |
| Net loans and leases to deposits | 57.7009% | 4,530 |
| Net loans and leases to core deposits | 57.9327% | 4,645 |
| Total domestic deposits to total assets | 82.8931% | 3,242 |
| Equity capital to assets | 11.1703% | 2,892 |
| Core capital (leverage) ratio | 11.0918% | 2,511 |
| Tier 1 risk-based capital ratio | 21.4583% | 1,125 |
| Total risk-based capital ratio | 22.7181% | 1,102 |
| Memoranda: | ||
| Average total assets | $225,255,000 | 2,650 |
| Average earning assets | $206,246,670 | 2,672 |
| Average equity | $25,460,330 | 2,678 |
| Average total loans | $111,163,670 | 3,114 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 1,327 |
| Cost of funding earning assets | 0.2343% | 5,028 |
| Net interest margin | 4.7734% | 427 |
| Noninterest income to average assets | 1.3990% | 439 |
| Noninterest expense to average assets | 3.9626% | 562 |
| Loan and lease loss provision to assets | 0.2683% | 520 |
| Net operating income to assets | 1.5421% | 1,022 |
| Return on assets (ROA) | 1.5421% | 1,052 |
| Pretax return on assets | 1.5421% | 1,629 |
| Return on Equity (ROE) | 13.5620% | 1,064 |
| Retained earnings to average equity (ytd only) | 1.9509% | 4,082 |
| Net charge-offs to loans | 0.2310% | 621 |
| Credit loss provision to net charge-offs | 234.3750% | 957 |
| Earnings coverage of net charge-offs (x) | 15.8125% | 1,726 |
| Efficiency ratio | 68.6396% | 2,547 |
| Assets per employee ($millions) | 3.1514% | 4,873 |
| Cash dividends to net income (ytd only)* | 85.6148% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 442 |
| Loan loss allowance to noncurrent loans | 190.5833% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9824% | 1,420 |
| Noncurrent loans to loans | 1.0821% | 1,537 |
| Net loans and leases to total assets | 47.8669% | 4,594 |
| Net loans and leases to deposits | 57.8813% | 4,512 |
| Net loans and leases to core deposits | 58.1160% | 4,642 |
| Total domestic deposits to total assets | 82.6984% | 3,504 |
| Equity capital to assets | 11.2324% | 2,623 |
| Core capital (leverage) ratio | 11.4025% | 2,209 |
| Tier 1 risk-based capital ratio | 21.8419% | 1,069 |
| Total risk-based capital ratio | 23.1009% | 1,045 |
| Memoranda: | ||
| Average total assets | $223,592,500 | 2,694 |
| Average earning assets | $204,887,500 | 2,717 |
| Average equity | $25,424,000 | 2,682 |
| Average total loans | $110,843,000 | 3,150 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 1,136 |
| Cost of funding earning assets | 0.1415% | 5,198 |
| Net interest margin | 4.8165% | 384 |
| Noninterest income to average assets | 1.1327% | 720 |
| Noninterest expense to average assets | 3.8423% | 652 |
| Loan and lease loss provision to assets | 0.1993% | 951 |
| Net operating income to assets | 1.4811% | 1,170 |
| Return on assets (ROA) | 1.4811% | 1,157 |
| Pretax return on assets | 1.4811% | 1,839 |
| Return on Equity (ROE) | 13.2385% | 1,256 |
| Retained earnings to average equity (ytd only) | 2.3098% | 4,232 |
| Net charge-offs to loans | 0.3040% | 637 |
| Credit loss provision to net charge-offs | 136.5031% | 1,961 |
| Earnings coverage of net charge-offs (x) | 11.5092% | 2,621 |
| Efficiency ratio | 69.5726% | 2,270 |
| Assets per employee ($millions) | 2.8985% | 5,044 |
| Cash dividends to net income (ytd only)* | 82.5522% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 484 |
| Loan loss allowance to noncurrent loans | 152.3183% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 1,111 |
| Noncurrent loans to loans | 1.3043% | 1,209 |
| Net loans and leases to total assets | 49.2943% | 4,567 |
| Net loans and leases to deposits | 59.8484% | 4,488 |
| Net loans and leases to core deposits | 60.0992% | 4,625 |
| Total domestic deposits to total assets | 82.3653% | 3,528 |
| Equity capital to assets | 11.5132% | 2,247 |
| Core capital (leverage) ratio | 11.4927% | 2,111 |
| Tier 1 risk-based capital ratio | 20.2654% | 1,262 |
| Total risk-based capital ratio | 21.5215% | 1,239 |
| Memoranda: | ||
| Average total assets | $223,277,200 | 2,666 |
| Average earning assets | $203,510,800 | 2,695 |
| Average equity | $24,980,200 | 2,643 |
| Average total loans | $107,236,800 | 3,183 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 1,252 |
| Cost of funding earning assets | 0.1254% | 5,287 |
| Net interest margin | 4.7402% | 431 |
| Noninterest income to average assets | 1.0499% | 864 |
| Noninterest expense to average assets | 3.7656% | 692 |
| Loan and lease loss provision to assets | 0.1934% | 912 |
| Net operating income to assets | 1.4093% | 1,455 |
| Return on assets (ROA) | 1.4093% | 1,449 |
| Pretax return on assets | 1.4093% | 2,194 |
| Return on Equity (ROE) | 12.6875% | 1,544 |
| Retained earnings to average equity (ytd only) | 1.4734% | 4,735 |
| Net charge-offs to loans | 0.3034% | 546 |
| Credit loss provision to net charge-offs | 134.2975% | 1,853 |
| Earnings coverage of net charge-offs (x) | 11.1281% | 2,540 |
| Efficiency ratio | 70.1441% | 2,168 |
| Assets per employee ($millions) | 3.0677% | 4,992 |
| Cash dividends to net income (ytd only)* | 88.3870% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0457% | 450 |
| Loan loss allowance to noncurrent loans | 131.9317% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 1,028 |
| Noncurrent loans to loans | 1.5506% | 1,035 |
| Net loans and leases to total assets | 48.2744% | 4,701 |
| Net loans and leases to deposits | 58.5959% | 4,615 |
| Net loans and leases to core deposits | 58.8484% | 4,746 |
| Total domestic deposits to total assets | 82.3853% | 3,494 |
| Equity capital to assets | 11.6699% | 2,131 |
| Core capital (leverage) ratio | 11.5571% | 2,132 |
| Tier 1 risk-based capital ratio | 20.4705% | 1,255 |
| Total risk-based capital ratio | 21.7268% | 1,226 |
| Memoranda: | ||
| Average total assets | $224,024,750 | 2,672 |
| Average earning assets | $204,093,000 | 2,705 |
| Average equity | $24,884,750 | 2,667 |
| Average total loans | $106,348,500 | 3,223 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7715% | 1,323 |
| Cost of funding earning assets | 0.1176% | 5,354 |
| Net interest margin | 4.6538% | 496 |
| Noninterest income to average assets | 1.0100% | 942 |
| Noninterest expense to average assets | 3.6712% | 795 |
| Loan and lease loss provision to assets | 0.1805% | 996 |
| Net operating income to assets | 1.4081% | 1,405 |
| Return on assets (ROA) | 1.4081% | 1,410 |
| Pretax return on assets | 1.4081% | 2,115 |
| Return on Equity (ROE) | 12.8815% | 1,408 |
| Retained earnings to average equity (ytd only) | 0.4592% | 4,872 |
| Net charge-offs to loans | 0.4262% | 365 |
| Credit loss provision to net charge-offs | 90.3084% | 2,153 |
| Earnings coverage of net charge-offs (x) | 7.9471% | 2,512 |
| Efficiency ratio | 69.7974% | 2,351 |
| Assets per employee ($millions) | 3.3092% | 4,808 |
| Cash dividends to net income (ytd only)* | 96.4353% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9353% | 589 |
| Loan loss allowance to noncurrent loans | 144.2577% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 1,305 |
| Noncurrent loans to loans | 1.3416% | 1,267 |
| Net loans and leases to total assets | 47.0798% | 4,763 |
| Net loans and leases to deposits | 56.4787% | 4,724 |
| Net loans and leases to core deposits | 57.0270% | 4,830 |
| Total domestic deposits to total assets | 83.3585% | 3,306 |
| Equity capital to assets | 11.2044% | 2,448 |
| Core capital (leverage) ratio | 10.7653% | 2,739 |
| Tier 1 risk-based capital ratio | 19.9992% | 1,320 |
| Total risk-based capital ratio | 21.2543% | 1,293 |
| Memoranda: | ||
| Average total assets | $227,119,330 | 2,660 |
| Average earning assets | $207,400,000 | 2,691 |
| Average equity | $24,826,330 | 2,679 |
| Average total loans | $106,521,330 | 3,231 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 1,577 |
| Cost of funding earning assets | 0.0876% | 5,484 |
| Net interest margin | 4.5108% | 604 |
| Noninterest income to average assets | 1.0112% | 894 |
| Noninterest expense to average assets | 3.4775% | 1,038 |
| Loan and lease loss provision to assets | 0.1566% | 1,154 |
| Net operating income to assets | 1.5003% | 1,079 |
| Return on assets (ROA) | 1.5003% | 1,079 |
| Pretax return on assets | 1.5003% | 1,680 |
| Return on Equity (ROE) | 13.8929% | 1,041 |
| Retained earnings to average equity (ytd only) | 1.0637% | 4,613 |
| Net charge-offs to loans | 0.2515% | 610 |
| Credit loss provision to net charge-offs | 134.3284% | 1,305 |
| Earnings coverage of net charge-offs (x) | 14.2090% | 1,721 |
| Efficiency ratio | 67.7288% | 2,876 |
| Assets per employee ($millions) | 3.5859% | 4,557 |
| Cash dividends to net income (ytd only)* | 92.3434% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 583 |
| Loan loss allowance to noncurrent loans | 133.0594% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 1,243 |
| Noncurrent loans to loans | 1.4782% | 1,197 |
| Net loans and leases to total assets | 46.4426% | 4,773 |
| Net loans and leases to deposits | 55.5248% | 4,721 |
| Net loans and leases to core deposits | 56.0516% | 4,843 |
| Total domestic deposits to total assets | 83.6430% | 3,456 |
| Equity capital to assets | 11.0004% | 2,578 |
| Core capital (leverage) ratio | 11.1364% | 2,298 |
| Tier 1 risk-based capital ratio | 19.8640% | 1,367 |
| Total risk-based capital ratio | 21.1189% | 1,337 |
| Memoranda: | ||
| Average total assets | $229,820,500 | 2,666 |
| Average earning assets | $210,072,000 | 2,690 |
| Average equity | $24,818,500 | 2,700 |
| Average total loans | $106,560,000 | 3,251 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 908 |
| Cost of funding earning assets | 0.0517% | 5,614 |
| Net interest margin | 4.7865% | 362 |
| Noninterest income to average assets | 1.0558% | 907 |
| Noninterest expense to average assets | 3.7598% | 733 |
| Loan and lease loss provision to assets | 0.1032% | 2,164 |
| Net operating income to assets | 1.5150% | 776 |
| Return on assets (ROA) | 1.5150% | 789 |
| Pretax return on assets | 1.5150% | 1,580 |
| Return on Equity (ROE) | 14.1859% | 733 |
| Retained earnings to average equity (ytd only) | 7.3953% | 955 |
| Net charge-offs to loans | 0.1417% | 1,656 |
| Credit loss provision to net charge-offs | 155.4054% | 1,726 |
| Earnings coverage of net charge-offs (x) | 24.3784% | 1,760 |
| Efficiency ratio | 69.9108% | 2,567 |
| Assets per employee ($millions) | 3.6521% | 4,501 |
| Cash dividends to net income (ytd only)* | 47.8686% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 575 |
| Loan loss allowance to noncurrent loans | 104.5181% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.3652% | 1,043 |
| Noncurrent loans to loans | 1.8775% | 841 |
| Net loans and leases to total assets | 44.5018% | 4,953 |
| Net loans and leases to deposits | 52.5774% | 4,954 |
| Net loans and leases to core deposits | 53.0532% | 5,040 |
| Total domestic deposits to total assets | 84.6405% | 2,979 |
| Equity capital to assets | 10.6045% | 3,049 |
| Core capital (leverage) ratio | 11.2429% | 2,134 |
| Tier 1 risk-based capital ratio | 19.8413% | 1,352 |
| Total risk-based capital ratio | 21.0965% | 1,317 |
| Memoranda: | ||
| Average total assets | $222,963,600 | 2,700 |
| Average earning assets | $201,336,200 | 2,754 |
| Average equity | $23,812,400 | 2,780 |
| Average total loans | $104,443,400 | 3,274 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 798 |
| Cost of funding earning assets | 0.0497% | 5,681 |
| Net interest margin | 4.8263% | 318 |
| Noninterest income to average assets | 1.1174% | 815 |
| Noninterest expense to average assets | 3.8291% | 650 |
| Loan and lease loss provision to assets | 0.0938% | 2,206 |
| Net operating income to assets | 1.5453% | 810 |
| Return on assets (ROA) | 1.5453% | 832 |
| Pretax return on assets | 1.5453% | 1,596 |
| Return on Equity (ROE) | 14.4423% | 744 |
| Retained earnings to average equity (ytd only) | 5.3006% | 2,681 |
| Net charge-offs to loans | 0.1077% | 1,709 |
| Credit loss provision to net charge-offs | 184.5238% | 1,438 |
| Earnings coverage of net charge-offs (x) | 32.2373% | 1,489 |
| Efficiency ratio | 70.0244% | 2,533 |
| Assets per employee ($millions) | 3.2106% | 5,052 |
| Cash dividends to net income (ytd only)* | 63.2981% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9701% | 600 |
| Loan loss allowance to noncurrent loans | 111.3441% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.5894% | 933 |
| Noncurrent loans to loans | 1.7694% | 1,018 |
| Net loans and leases to total assets | 48.6319% | 4,791 |
| Net loans and leases to deposits | 58.4210% | 4,728 |
| Net loans and leases to core deposits | 59.0139% | 4,864 |
| Total domestic deposits to total assets | 83.2438% | 3,379 |
| Equity capital to assets | 11.3078% | 2,566 |
| Core capital (leverage) ratio | 11.0469% | 2,410 |
| Tier 1 risk-based capital ratio | 19.8363% | 1,401 |
| Total risk-based capital ratio | 21.0921% | 1,361 |
| Memoranda: | ||
| Average total assets | $220,271,500 | 2,746 |
| Average earning assets | $198,572,000 | 2,806 |
| Average equity | $23,569,000 | 2,819 |
| Average total loans | $104,030,000 | 3,306 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 939 |
| Cost of funding earning assets | 0.0465% | 5,728 |
| Net interest margin | 4.7172% | 382 |
| Noninterest income to average assets | 1.0876% | 847 |
| Noninterest expense to average assets | 3.7344% | 738 |
| Loan and lease loss provision to assets | 0.0807% | 2,372 |
| Net operating income to assets | 1.5440% | 797 |
| Return on assets (ROA) | 1.5440% | 817 |
| Pretax return on assets | 1.5440% | 1,513 |
| Return on Equity (ROE) | 14.6939% | 708 |
| Retained earnings to average equity (ytd only) | 5.2222% | 2,570 |
| Net charge-offs to loans | 0.0289% | 2,633 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 120.8000% | 575 |
| Efficiency ratio | 69.6838% | 2,724 |
| Assets per employee ($millions) | 3.3510% | 4,922 |
| Cash dividends to net income (ytd only)* | 64.4599% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9835% | 623 |
| Loan loss allowance to noncurrent loans | 97.8774% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.6499% | 896 |
| Noncurrent loans to loans | 2.0265% | 830 |
| Net loans and leases to total assets | 46.3626% | 4,931 |
| Net loans and leases to deposits | 55.1393% | 4,901 |
| Net loans and leases to core deposits | 56.1232% | 4,986 |
| Total domestic deposits to total assets | 84.0828% | 3,162 |
| Equity capital to assets | 10.6871% | 3,140 |
| Core capital (leverage) ratio | 10.6839% | 2,717 |
| Tier 1 risk-based capital ratio | 19.5557% | 1,463 |
| Total risk-based capital ratio | 20.8116% | 1,418 |
| Memoranda: | ||
| Average total assets | $223,062,670 | 2,740 |
| Average earning assets | $201,984,670 | 2,789 |
| Average equity | $23,438,330 | 2,836 |
| Average total loans | $103,666,330 | 3,323 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 769 |
| Cost of funding earning assets | 0.0435% | 5,799 |
| Net interest margin | 4.7445% | 348 |
| Noninterest income to average assets | 1.0910% | 834 |
| Noninterest expense to average assets | 3.5641% | 955 |
| Loan and lease loss provision to assets | 0.0804% | 2,205 |
| Net operating income to assets | 1.7267% | 522 |
| Return on assets (ROA) | 1.7267% | 529 |
| Pretax return on assets | 1.7267% | 946 |
| Return on Equity (ROE) | 16.5728% | 454 |
| Retained earnings to average equity (ytd only) | 10.8143% | 642 |
| Net charge-offs to loans | -0.1977% | 5,619 |
| Credit loss provision to net charge-offs | -88.2353% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3564% | 3,435 |
| Assets per employee ($millions) | 3.2197% | 5,140 |
| Cash dividends to net income (ytd only)* | 34.7466% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0330% | 627 |
| Loan loss allowance to noncurrent loans | 129.3029% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 1,126 |
| Noncurrent loans to loans | 1.5723% | 1,244 |
| Net loans and leases to total assets | 46.1336% | 4,934 |
| Net loans and leases to deposits | 54.9747% | 4,881 |
| Net loans and leases to core deposits | 55.9672% | 4,975 |
| Total domestic deposits to total assets | 83.9178% | 3,508 |
| Equity capital to assets | 10.8044% | 2,852 |
| Core capital (leverage) ratio | 10.8262% | 2,574 |
| Tier 1 risk-based capital ratio | 19.9489% | 1,406 |
| Total risk-based capital ratio | 21.2055% | 1,375 |
| Memoranda: | ||
| Average total assets | $224,012,500 | 2,758 |
| Average earning assets | $202,088,500 | 2,812 |
| Average equity | $23,339,500 | 2,855 |
| Average total loans | $103,193,500 | 3,359 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 816 |
| Cost of funding earning assets | 0.0449% | 5,847 |
| Net interest margin | 4.7957% | 352 |
| Noninterest income to average assets | 1.1128% | 929 |
| Noninterest expense to average assets | 3.8501% | 729 |
| Loan and lease loss provision to assets | 0.1647% | 1,497 |
| Net operating income to assets | 1.4487% | 920 |
| Return on assets (ROA) | 1.4487% | 945 |
| Pretax return on assets | 1.4487% | 1,755 |
| Return on Equity (ROE) | 14.3108% | 727 |
| Retained earnings to average equity (ytd only) | 7.7701% | 934 |
| Net charge-offs to loans | 0.4315% | 593 |
| Credit loss provision to net charge-offs | 78.7746% | 2,988 |
| Earnings coverage of net charge-offs (x) | 7.7155% | 2,973 |
| Efficiency ratio | 70.4690% | 2,834 |
| Assets per employee ($millions) | 3.5244% | 4,727 |
| Cash dividends to net income (ytd only)* | 45.7044% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9364% | 749 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.5147% | 1,088 |
| Noncurrent loans to loans | 1.8395% | 1,026 |
| Net loans and leases to total assets | 44.2133% | 5,102 |
| Net loans and leases to deposits | 52.1692% | 5,112 |
| Net loans and leases to core deposits | 52.8161% | 5,184 |
| Total domestic deposits to total assets | 84.7499% | 3,155 |
| Equity capital to assets | 10.0503% | 3,672 |
| Core capital (leverage) ratio | 10.2778% | 3,136 |
| Tier 1 risk-based capital ratio | 19.1557% | 1,556 |
| Total risk-based capital ratio | 20.4112% | 1,518 |
| Memoranda: | ||
| Average total assets | $218,539,800 | 2,773 |
| Average earning assets | $198,259,000 | 2,810 |
| Average equity | $22,123,200 | 2,976 |
| Average total loans | $105,899,400 | 3,275 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 752 |
| Cost of funding earning assets | 0.0462% | 5,914 |
| Net interest margin | 4.8347% | 340 |
| Noninterest income to average assets | 1.0233% | 1,098 |
| Noninterest expense to average assets | 3.8652% | 699 |
| Loan and lease loss provision to assets | 0.1667% | 1,367 |
| Net operating income to assets | 1.3833% | 1,097 |
| Return on assets (ROA) | 1.3833% | 1,155 |
| Pretax return on assets | 1.3833% | 2,112 |
| Return on Equity (ROE) | 13.6386% | 889 |
| Retained earnings to average equity (ytd only) | 4.8283% | 2,939 |
| Net charge-offs to loans | 0.5343% | 395 |
| Credit loss provision to net charge-offs | 63.2319% | 2,876 |
| Earnings coverage of net charge-offs (x) | 5.8782% | 3,070 |
| Efficiency ratio | 71.3764% | 2,671 |
| Assets per employee ($millions) | 3.2692% | 5,083 |
| Cash dividends to net income (ytd only)* | 64.5984% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 944 |
| Loan loss allowance to noncurrent loans | 142.0513% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.4147% | 1,306 |
| Noncurrent loans to loans | 1.2927% | 1,726 |
| Net loans and leases to total assets | 49.5397% | 4,853 |
| Net loans and leases to deposits | 59.1904% | 4,810 |
| Net loans and leases to core deposits | 59.8103% | 4,940 |
| Total domestic deposits to total assets | 83.6956% | 3,322 |
| Equity capital to assets | 10.5623% | 3,497 |
| Core capital (leverage) ratio | 10.5318% | 2,963 |
| Tier 1 risk-based capital ratio | 18.5031% | 1,789 |
| Total risk-based capital ratio | 19.7574% | 1,753 |
| Memoranda: | ||
| Average total assets | $215,903,000 | 2,807 |
| Average earning assets | $196,132,000 | 2,844 |
| Average equity | $21,898,000 | 3,019 |
| Average total loans | $106,552,500 | 3,280 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8592% | 785 |
| Cost of funding earning assets | 0.0433% | 5,999 |
| Net interest margin | 4.8158% | 356 |
| Noninterest income to average assets | 0.9893% | 1,140 |
| Noninterest expense to average assets | 3.8354% | 733 |
| Loan and lease loss provision to assets | 0.1650% | 1,362 |
| Net operating income to assets | 1.3689% | 1,120 |
| Return on assets (ROA) | 1.3689% | 1,192 |
| Pretax return on assets | 1.3689% | 2,134 |
| Return on Equity (ROE) | 13.6778% | 888 |
| Retained earnings to average equity (ytd only) | 7.1000% | 1,554 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4310% | 2,755 |
| Assets per employee ($millions) | 3.0167% | 5,412 |
| Cash dividends to net income (ytd only)* | 48.0911% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1165% | 609 |
| Loan loss allowance to noncurrent loans | 88.1192% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.7313% | 1,024 |
| Noncurrent loans to loans | 2.4019% | 750 |
| Net loans and leases to total assets | 49.8676% | 4,850 |
| Net loans and leases to deposits | 57.8593% | 4,910 |
| Net loans and leases to core deposits | 58.4375% | 5,051 |
| Total domestic deposits to total assets | 86.1878% | 2,335 |
| Equity capital to assets | 10.4570% | 3,685 |
| Core capital (leverage) ratio | 10.1955% | 3,339 |
| Tier 1 risk-based capital ratio | 18.2213% | 1,872 |
| Total risk-based capital ratio | 19.4788% | 1,835 |
| Memoranda: | ||
| Average total assets | $218,128,670 | 2,789 |
| Average earning assets | $198,386,670 | 2,837 |
| Average equity | $21,831,000 | 3,028 |
| Average total loans | $106,873,670 | 3,289 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 973 |
| Cost of funding earning assets | 0.0457% | 6,059 |
| Net interest margin | 4.6949% | 427 |
| Noninterest income to average assets | 0.9873% | 1,108 |
| Noninterest expense to average assets | 3.6082% | 1,007 |
| Loan and lease loss provision to assets | 0.1624% | 1,275 |
| Net operating income to assets | 1.4855% | 885 |
| Return on assets (ROA) | 1.4855% | 925 |
| Pretax return on assets | 1.4855% | 1,643 |
| Return on Equity (ROE) | 15.1667% | 644 |
| Retained earnings to average equity (ytd only) | 14.5954% | 276 |
| Net charge-offs to loans | -0.1277% | 5,728 |
| Credit loss provision to net charge-offs | -264.7059% | 4,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6470% | 3,354 |
| Assets per employee ($millions) | 3.0193% | 5,491 |
| Cash dividends to net income (ytd only)* | 3.7667% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 702 |
| Loan loss allowance to noncurrent loans | 69.6143% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.7395% | 1,091 |
| Noncurrent loans to loans | 2.9997% | 545 |
| Net loans and leases to total assets | 48.5574% | 4,924 |
| Net loans and leases to deposits | 56.4684% | 4,953 |
| Net loans and leases to core deposits | 57.1091% | 5,086 |
| Total domestic deposits to total assets | 85.9904% | 2,676 |
| Equity capital to assets | 10.3094% | 3,731 |
| Core capital (leverage) ratio | 10.1052% | 3,419 |
| Tier 1 risk-based capital ratio | 18.4440% | 1,868 |
| Total risk-based capital ratio | 19.7017% | 1,825 |
| Memoranda: | ||
| Average total assets | $221,608,500 | 2,768 |
| Average earning assets | $201,497,000 | 2,804 |
| Average equity | $21,705,500 | 3,048 |
| Average total loans | $106,519,500 | 3,302 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9439% | 699 |
| Cost of funding earning assets | 0.0521% | 6,102 |
| Net interest margin | 4.8918% | 305 |
| Noninterest income to average assets | 1.0247% | 1,130 |
| Noninterest expense to average assets | 3.9911% | 680 |
| Loan and lease loss provision to assets | 0.0857% | 2,578 |
| Net operating income to assets | 1.3308% | 1,204 |
| Return on assets (ROA) | 1.3308% | 1,244 |
| Pretax return on assets | 1.3308% | 2,163 |
| Return on Equity (ROE) | 13.5528% | 937 |
| Retained earnings to average equity (ytd only) | 5.9739% | 1,804 |
| Net charge-offs to loans | 0.0935% | 2,494 |
| Credit loss provision to net charge-offs | 185.5670% | 1,480 |
| Earnings coverage of net charge-offs (x) | 30.6701% | 1,435 |
| Efficiency ratio | 73.8047% | 2,614 |
| Assets per employee ($millions) | 3.3167% | 5,127 |
| Cash dividends to net income (ytd only)* | 55.9213% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9648% | 849 |
| Loan loss allowance to noncurrent loans | 90.5440% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.2480% | 1,716 |
| Noncurrent loans to loans | 2.1700% | 930 |
| Net loans and leases to total assets | 45.7203% | 5,177 |
| Net loans and leases to deposits | 52.6128% | 5,253 |
| Net loans and leases to core deposits | 53.1672% | 5,362 |
| Total domestic deposits to total assets | 86.8997% | 2,192 |
| Equity capital to assets | 9.3122% | 4,775 |
| Core capital (leverage) ratio | 9.8830% | 3,665 |
| Tier 1 risk-based capital ratio | 17.7488% | 2,039 |
| Total risk-based capital ratio | 19.0047% | 1,988 |
| Memoranda: | ||
| Average total assets | $210,018,600 | 2,851 |
| Average earning assets | $188,171,800 | 2,910 |
| Average equity | $20,623,000 | 3,112 |
| Average total loans | $103,719,400 | 3,321 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 573 |
| Cost of funding earning assets | 0.0546% | 6,185 |
| Net interest margin | 4.9805% | 269 |
| Noninterest income to average assets | 1.0962% | 1,002 |
| Noninterest expense to average assets | 4.0023% | 662 |
| Loan and lease loss provision to assets | 0.0877% | 2,401 |
| Net operating income to assets | 1.4521% | 1,007 |
| Return on assets (ROA) | 1.4521% | 1,046 |
| Pretax return on assets | 1.4521% | 1,823 |
| Return on Equity (ROE) | 14.5776% | 797 |
| Retained earnings to average equity (ytd only) | 4.3876% | 3,351 |
| Net charge-offs to loans | 0.0829% | 2,363 |
| Credit loss provision to net charge-offs | 210.9375% | 1,286 |
| Earnings coverage of net charge-offs (x) | 37.0473% | 1,314 |
| Efficiency ratio | 72.2170% | 2,838 |
| Assets per employee ($millions) | 2.9634% | 5,587 |
| Cash dividends to net income (ytd only)* | 69.9017% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9984% | 912 |
| Loan loss allowance to noncurrent loans | 150.4329% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 1.0044% | 2,354 |
| Noncurrent loans to loans | 1.3284% | 1,923 |
| Net loans and leases to total assets | 50.7411% | 4,872 |
| Net loans and leases to deposits | 59.5581% | 4,887 |
| Net loans and leases to core deposits | 60.2832% | 5,047 |
| Total domestic deposits to total assets | 85.1960% | 2,933 |
| Equity capital to assets | 10.3011% | 3,817 |
| Core capital (leverage) ratio | 10.1559% | 3,430 |
| Tier 1 risk-based capital ratio | 17.6588% | 2,133 |
| Total risk-based capital ratio | 18.9151% | 2,095 |
| Memoranda: | ||
| Average total assets | $205,310,750 | 2,920 |
| Average earning assets | $183,271,750 | 2,992 |
| Average equity | $20,451,000 | 3,159 |
| Average total loans | $102,967,250 | 3,367 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 691 |
| Cost of funding earning assets | 0.0542% | 6,263 |
| Net interest margin | 4.8705% | 317 |
| Noninterest income to average assets | 1.0204% | 1,142 |
| Noninterest expense to average assets | 3.8310% | 837 |
| Loan and lease loss provision to assets | 0.0871% | 2,362 |
| Net operating income to assets | 1.4532% | 981 |
| Return on assets (ROA) | 1.4532% | 1,027 |
| Pretax return on assets | 1.4532% | 1,791 |
| Return on Equity (ROE) | 14.7528% | 773 |
| Retained earnings to average equity (ytd only) | 3.8233% | 3,571 |
| Net charge-offs to loans | 0.1229% | 1,780 |
| Credit loss provision to net charge-offs | 142.8571% | 1,574 |
| Earnings coverage of net charge-offs (x) | 25.2540% | 1,531 |
| Efficiency ratio | 71.3230% | 3,106 |
| Assets per employee ($millions) | 2.8262% | 5,795 |
| Cash dividends to net income (ytd only)* | 74.0839% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 1,015 |
| Loan loss allowance to noncurrent loans | 118.9394% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.1473% | 2,211 |
| Noncurrent loans to loans | 1.6650% | 1,567 |
| Net loans and leases to total assets | 48.9644% | 5,014 |
| Net loans and leases to deposits | 57.4922% | 5,027 |
| Net loans and leases to core deposits | 58.4763% | 5,164 |
| Total domestic deposits to total assets | 85.1671% | 3,051 |
| Equity capital to assets | 9.9258% | 4,119 |
| Core capital (leverage) ratio | 9.8302% | 3,827 |
| Tier 1 risk-based capital ratio | 17.4587% | 2,234 |
| Total risk-based capital ratio | 18.7147% | 2,191 |
| Memoranda: | ||
| Average total assets | $206,576,670 | 2,929 |
| Average earning assets | $184,539,670 | 2,995 |
| Average equity | $20,348,670 | 3,179 |
| Average total loans | $102,511,330 | 3,391 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 742 |
| Cost of funding earning assets | 0.0563% | 6,332 |
| Net interest margin | 4.8177% | 341 |
| Noninterest income to average assets | 1.0198% | 1,075 |
| Noninterest expense to average assets | 3.7521% | 930 |
| Loan and lease loss provision to assets | 0.0871% | 2,240 |
| Net operating income to assets | 1.4823% | 873 |
| Return on assets (ROA) | 1.4823% | 930 |
| Pretax return on assets | 1.4823% | 1,621 |
| Return on Equity (ROE) | 15.1055% | 695 |
| Retained earnings to average equity (ytd only) | 7.2372% | 1,895 |
| Net charge-offs to loans | 0.1800% | 1,209 |
| Credit loss provision to net charge-offs | 97.8261% | 1,686 |
| Earnings coverage of net charge-offs (x) | 17.6304% | 1,516 |
| Efficiency ratio | 70.5091% | 3,393 |
| Assets per employee ($millions) | 2.8944% | 5,788 |
| Cash dividends to net income (ytd only)* | 52.0888% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 1,162 |
| Loan loss allowance to noncurrent loans | 122.3708% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 2,310 |
| Noncurrent loans to loans | 1.6005% | 1,747 |
| Net loans and leases to total assets | 49.7337% | 4,880 |
| Net loans and leases to deposits | 56.9821% | 4,984 |
| Net loans and leases to core deposits | 57.8636% | 5,130 |
| Total domestic deposits to total assets | 87.2796% | 2,224 |
| Equity capital to assets | 10.1006% | 4,014 |
| Core capital (leverage) ratio | 10.0031% | 3,593 |
| Tier 1 risk-based capital ratio | 17.4198% | 2,330 |
| Total risk-based capital ratio | 18.6691% | 2,282 |
| Memoranda: | ||
| Average total assets | $206,709,500 | 2,944 |
| Average earning assets | $184,568,000 | 3,002 |
| Average equity | $20,284,000 | 3,203 |
| Average total loans | $102,237,000 | 3,412 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 979 |
| Cost of funding earning assets | 0.0676% | 6,404 |
| Net interest margin | 4.7997% | 436 |
| Noninterest income to average assets | 1.1225% | 965 |
| Noninterest expense to average assets | 3.9709% | 780 |
| Loan and lease loss provision to assets | 0.0537% | 3,485 |
| Net operating income to assets | 1.3571% | 1,173 |
| Return on assets (ROA) | 1.3571% | 1,219 |
| Pretax return on assets | 1.3571% | 2,054 |
| Return on Equity (ROE) | 14.5147% | 847 |
| Retained earnings to average equity (ytd only) | 9.3547% | 628 |
| Net charge-offs to loans | 0.0276% | 4,265 |
| Credit loss provision to net charge-offs | 392.8571% | 661 |
| Earnings coverage of net charge-offs (x) | 103.2857% | 507 |
| Efficiency ratio | 73.7854% | 2,868 |
| Assets per employee ($millions) | 2.8878% | 5,845 |
| Cash dividends to net income (ytd only)* | 35.5500% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 1,144 |
| Loan loss allowance to noncurrent loans | 108.8061% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 2,321 |
| Noncurrent loans to loans | 1.8201% | 1,575 |
| Net loans and leases to total assets | 47.2852% | 5,220 |
| Net loans and leases to deposits | 53.3176% | 5,379 |
| Net loans and leases to core deposits | 54.1030% | 5,496 |
| Total domestic deposits to total assets | 88.6859% | 1,416 |
| Equity capital to assets | 9.5362% | 4,679 |
| Core capital (leverage) ratio | 9.8659% | 3,754 |
| Tier 1 risk-based capital ratio | 17.1708% | 2,441 |
| Total risk-based capital ratio | 18.4265% | 2,391 |
| Memoranda: | ||
| Average total assets | $204,989,400 | 2,932 |
| Average earning assets | $181,908,800 | 3,015 |
| Average equity | $19,166,800 | 3,264 |
| Average total loans | $101,484,000 | 3,391 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 1,173 |
| Cost of funding earning assets | 0.0703% | 6,480 |
| Net interest margin | 4.6911% | 510 |
| Noninterest income to average assets | 1.1274% | 954 |
| Noninterest expense to average assets | 3.8341% | 923 |
| Loan and lease loss provision to assets | 0.0524% | 3,328 |
| Net operating income to assets | 1.3927% | 1,145 |
| Return on assets (ROA) | 1.3927% | 1,188 |
| Pretax return on assets | 1.3927% | 2,039 |
| Return on Equity (ROE) | 14.9719% | 833 |
| Retained earnings to average equity (ytd only) | 8.0071% | 1,360 |
| Net charge-offs to loans | -0.0762% | 6,054 |
| Credit loss provision to net charge-offs | -137.9310% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6269% | 3,072 |
| Assets per employee ($millions) | 2.7506% | 6,027 |
| Cash dividends to net income (ytd only)* | 46.5191% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 1,221 |
| Loan loss allowance to noncurrent loans | 66.9470% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.8736% | 1,571 |
| Noncurrent loans to loans | 3.0188% | 881 |
| Net loans and leases to total assets | 49.9796% | 5,012 |
| Net loans and leases to deposits | 56.9528% | 5,179 |
| Net loans and leases to core deposits | 57.8404% | 5,340 |
| Total domestic deposits to total assets | 87.7561% | 1,894 |
| Equity capital to assets | 9.6920% | 4,558 |
| Core capital (leverage) ratio | 9.9085% | 3,806 |
| Tier 1 risk-based capital ratio | 16.8298% | 2,677 |
| Total risk-based capital ratio | 18.0847% | 2,622 |
| Memoranda: | ||
| Average total assets | $203,534,750 | 2,974 |
| Average earning assets | $180,140,000 | 3,061 |
| Average equity | $18,932,750 | 3,309 |
| Average total loans | $101,431,250 | 3,420 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 1,337 |
| Cost of funding earning assets | 0.0731% | 6,539 |
| Net interest margin | 4.6030% | 579 |
| Noninterest income to average assets | 1.1250% | 933 |
| Noninterest expense to average assets | 3.7212% | 1,097 |
| Loan and lease loss provision to assets | 0.0489% | 3,326 |
| Net operating income to assets | 1.4214% | 1,017 |
| Return on assets (ROA) | 1.4214% | 1,056 |
| Pretax return on assets | 1.4214% | 1,815 |
| Return on Equity (ROE) | 15.4932% | 713 |
| Retained earnings to average equity (ytd only) | 8.0185% | 1,324 |
| Net charge-offs to loans | -0.1108% | 6,180 |
| Credit loss provision to net charge-offs | -89.2857% | 5,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6789% | 3,401 |
| Assets per employee ($millions) | 2.6306% | 6,178 |
| Cash dividends to net income (ytd only)* | 48.2450% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 1,374 |
| Loan loss allowance to noncurrent loans | 66.7759% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.0646% | 1,533 |
| Noncurrent loans to loans | 2.9818% | 977 |
| Net loans and leases to total assets | 51.5331% | 4,795 |
| Net loans and leases to deposits | 58.6354% | 4,987 |
| Net loans and leases to core deposits | 59.2571% | 5,185 |
| Total domestic deposits to total assets | 87.8874% | 1,975 |
| Equity capital to assets | 9.8061% | 4,346 |
| Core capital (leverage) ratio | 9.8050% | 3,877 |
| Tier 1 risk-based capital ratio | 16.7985% | 2,708 |
| Total risk-based capital ratio | 18.0553% | 2,667 |
| Memoranda: | ||
| Average total assets | $204,448,330 | 2,977 |
| Average earning assets | $180,620,330 | 3,075 |
| Average equity | $18,756,670 | 3,319 |
| Average total loans | $101,099,670 | 3,434 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4174% | 2,071 |
| Cost of funding earning assets | 0.0689% | 6,629 |
| Net interest margin | 4.3486% | 899 |
| Noninterest income to average assets | 0.9936% | 1,141 |
| Noninterest expense to average assets | 3.6438% | 1,225 |
| Loan and lease loss provision to assets | 0.0478% | 3,137 |
| Net operating income to assets | 1.1637% | 1,583 |
| Return on assets (ROA) | 1.1637% | 1,655 |
| Pretax return on assets | 1.1637% | 2,642 |
| Return on Equity (ROE) | 13.1035% | 1,136 |
| Retained earnings to average equity (ytd only) | 10.5215% | 836 |
| Net charge-offs to loans | -0.0557% | 5,848 |
| Credit loss provision to net charge-offs | -178.5714% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0492% | 2,961 |
| Assets per employee ($millions) | 3.0309% | 5,812 |
| Cash dividends to net income (ytd only)* | 19.7044% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 1,624 |
| Loan loss allowance to noncurrent loans | 68.7478% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.8275% | 1,908 |
| Noncurrent loans to loans | 2.8375% | 1,161 |
| Net loans and leases to total assets | 45.3963% | 5,392 |
| Net loans and leases to deposits | 51.3032% | 5,496 |
| Net loans and leases to core deposits | 51.8572% | 5,627 |
| Total domestic deposits to total assets | 88.4863% | 1,944 |
| Equity capital to assets | 8.6314% | 5,517 |
| Core capital (leverage) ratio | 9.5755% | 4,171 |
| Tier 1 risk-based capital ratio | 15.9401% | 3,194 |
| Total risk-based capital ratio | 17.1906% | 3,149 |
| Memoranda: | ||
| Average total assets | $209,340,000 | 2,944 |
| Average earning assets | $185,901,000 | 3,023 |
| Average equity | $18,590,500 | 3,341 |
| Average total loans | $100,472,000 | 3,460 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 767 |
| Cost of funding earning assets | 0.0940% | 6,689 |
| Net interest margin | 5.0009% | 313 |
| Noninterest income to average assets | 1.0675% | 1,238 |
| Noninterest expense to average assets | 4.2317% | 676 |
| Loan and lease loss provision to assets | 0.0689% | 3,754 |
| Net operating income to assets | 1.1504% | 1,760 |
| Return on assets (ROA) | 1.1504% | 1,825 |
| Pretax return on assets | 1.1504% | 2,770 |
| Return on Equity (ROE) | 12.4823% | 1,281 |
| Retained earnings to average equity (ytd only) | 8.2310% | 976 |
| Net charge-offs to loans | 0.2255% | 2,655 |
| Credit loss provision to net charge-offs | 58.9286% | 3,601 |
| Earnings coverage of net charge-offs (x) | 10.4330% | 2,366 |
| Efficiency ratio | 77.6321% | 2,524 |
| Assets per employee ($millions) | 2.6727% | 6,252 |
| Cash dividends to net income (ytd only)* | 34.0590% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9338% | 1,698 |
| Loan loss allowance to noncurrent loans | 128.8000% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.5206% | 2,443 |
| Noncurrent loans to loans | 1.5014% | 2,642 |
| Net loans and leases to total assets | 48.8763% | 5,206 |
| Net loans and leases to deposits | 55.6152% | 5,335 |
| Net loans and leases to core deposits | 56.3876% | 5,506 |
| Total domestic deposits to total assets | 87.8829% | 2,250 |
| Equity capital to assets | 9.1518% | 4,866 |
| Core capital (leverage) ratio | 9.4835% | 4,296 |
| Tier 1 risk-based capital ratio | 16.1011% | 3,057 |
| Total risk-based capital ratio | 17.3570% | 3,006 |
| Memoranda: | ||
| Average total assets | $191,670,800 | 3,137 |
| Average earning assets | $168,008,600 | 3,239 |
| Average equity | $17,665,000 | 3,473 |
| Average total loans | $99,337,600 | 3,461 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 675 |
| Cost of funding earning assets | 0.0991% | 6,767 |
| Net interest margin | 5.0853% | 267 |
| Noninterest income to average assets | 1.0907% | 1,227 |
| Noninterest expense to average assets | 4.2720% | 651 |
| Loan and lease loss provision to assets | 0.0049% | 4,869 |
| Net operating income to assets | 1.2575% | 1,461 |
| Return on assets (ROA) | 1.2575% | 1,528 |
| Pretax return on assets | 1.2575% | 2,489 |
| Return on Equity (ROE) | 13.6188% | 1,094 |
| Retained earnings to average equity (ytd only) | 7.8954% | 1,456 |
| Net charge-offs to loans | 0.0296% | 4,538 |
| Credit loss provision to net charge-offs | 31.8182% | 3,861 |
| Earnings coverage of net charge-offs (x) | 81.5527% | 584 |
| Efficiency ratio | 77.1901% | 2,524 |
| Assets per employee ($millions) | 2.4829% | 6,494 |
| Cash dividends to net income (ytd only)* | 42.0258% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0436% | 1,625 |
| Loan loss allowance to noncurrent loans | 116.9383% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.7661% | 2,321 |
| Noncurrent loans to loans | 1.7476% | 2,572 |
| Net loans and leases to total assets | 53.1307% | 4,728 |
| Net loans and leases to deposits | 60.3777% | 4,929 |
| Net loans and leases to core deposits | 61.3020% | 5,182 |
| Total domestic deposits to total assets | 87.9973% | 2,132 |
| Equity capital to assets | 9.8879% | 4,073 |
| Core capital (leverage) ratio | 9.7925% | 3,965 |
| Tier 1 risk-based capital ratio | 16.4095% | 2,982 |
| Total risk-based capital ratio | 17.6661% | 2,943 |
| Memoranda: | ||
| Average total assets | $189,475,250 | 3,191 |
| Average earning assets | $165,572,000 | 3,303 |
| Average equity | $17,495,000 | 3,530 |
| Average total loans | $99,195,500 | 3,493 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 760 |
| Cost of funding earning assets | 0.1046% | 6,813 |
| Net interest margin | 5.0050% | 307 |
| Noninterest income to average assets | 1.0623% | 1,357 |
| Noninterest expense to average assets | 3.9945% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4473% | 991 |
| Return on assets (ROA) | 1.4473% | 1,068 |
| Pretax return on assets | 1.4473% | 1,774 |
| Return on Equity (ROE) | 16.0321% | 663 |
| Retained earnings to average equity (ytd only) | 9.5201% | 960 |
| Net charge-offs to loans | -0.0523% | 6,285 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4034% | 3,242 |
| Assets per employee ($millions) | 2.3340% | 6,622 |
| Cash dividends to net income (ytd only)* | 40.6183% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0843% | 1,668 |
| Loan loss allowance to noncurrent loans | 106.1045% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.6161% | 2,690 |
| Noncurrent loans to loans | 1.9644% | 2,438 |
| Net loans and leases to total assets | 50.3435% | 5,071 |
| Net loans and leases to deposits | 57.1502% | 5,234 |
| Net loans and leases to core deposits | 57.6274% | 5,456 |
| Total domestic deposits to total assets | 88.0898% | 2,182 |
| Equity capital to assets | 9.2444% | 4,930 |
| Core capital (leverage) ratio | 9.3754% | 4,422 |
| Tier 1 risk-based capital ratio | 15.9247% | 3,239 |
| Total risk-based capital ratio | 17.1822% | 3,175 |
| Memoranda: | ||
| Average total assets | $192,216,670 | 3,164 |
| Average earning assets | $168,191,000 | 3,281 |
| Average equity | $17,352,670 | 3,568 |
| Average total loans | $99,491,000 | 3,505 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9996% | 886 |
| Cost of funding earning assets | 0.1062% | 6,899 |
| Net interest margin | 4.8934% | 339 |
| Noninterest income to average assets | 1.0673% | 1,307 |
| Noninterest expense to average assets | 4.2257% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1462% | 1,693 |
| Return on assets (ROA) | 1.1462% | 1,803 |
| Pretax return on assets | 1.1462% | 2,782 |
| Return on Equity (ROE) | 12.8503% | 1,204 |
| Retained earnings to average equity (ytd only) | 12.5709% | 614 |
| Net charge-offs to loans | -0.0360% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6625% | 2,509 |
| Assets per employee ($millions) | 2.2763% | 6,730 |
| Cash dividends to net income (ytd only)* | 2.1739% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 1,977 |
| Loan loss allowance to noncurrent loans | 156.5050% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.2126% | 3,541 |
| Noncurrent loans to loans | 1.2946% | 3,618 |
| Net loans and leases to total assets | 52.0351% | 4,702 |
| Net loans and leases to deposits | 59.7085% | 4,830 |
| Net loans and leases to core deposits | 60.3155% | 5,109 |
| Total domestic deposits to total assets | 87.1487% | 2,866 |
| Equity capital to assets | 9.2394% | 5,209 |
| Core capital (leverage) ratio | 9.0282% | 4,840 |
| Tier 1 risk-based capital ratio | 15.5528% | 3,502 |
| Total risk-based capital ratio | 16.8101% | 3,458 |
| Memoranda: | ||
| Average total assets | $192,629,500 | 3,187 |
| Average earning assets | $169,452,500 | 3,286 |
| Average equity | $17,182,500 | 3,634 |
| Average total loans | $100,034,500 | 3,501 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3342% | 862 |
| Cost of funding earning assets | 0.1346% | 6,952 |
| Net interest margin | 5.1996% | 273 |
| Noninterest income to average assets | 0.9562% | 1,677 |
| Noninterest expense to average assets | 4.6541% | 498 |
| Loan and lease loss provision to assets | 0.1892% | 3,272 |
| Net operating income to assets | 0.6575% | 3,953 |
| Return on assets (ROA) | 0.6575% | 4,220 |
| Pretax return on assets | 0.6575% | 4,802 |
| Return on Equity (ROE) | 7.3850% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.6818% | 2,919 |
| Net charge-offs to loans | 0.0839% | 4,840 |
| Credit loss provision to net charge-offs | 425.6098% | 565 |
| Earnings coverage of net charge-offs (x) | 19.0488% | 1,410 |
| Efficiency ratio | 84.6078% | 1,555 |
| Assets per employee ($millions) | 2.1575% | 6,852 |
| Cash dividends to net income (ytd only)* | 36.6035% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 1,938 |
| Loan loss allowance to noncurrent loans | 92.5469% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.5744% | 3,028 |
| Noncurrent loans to loans | 2.1930% | 2,474 |
| Net loans and leases to total assets | 49.7644% | 5,200 |
| Net loans and leases to deposits | 56.4353% | 5,400 |
| Net loans and leases to core deposits | 57.0473% | 5,627 |
| Total domestic deposits to total assets | 88.1795% | 2,107 |
| Equity capital to assets | 8.6126% | 5,954 |
| Core capital (leverage) ratio | 8.8463% | 5,102 |
| Tier 1 risk-based capital ratio | 14.8974% | 3,777 |
| Total risk-based capital ratio | 16.1537% | 3,723 |
| Memoranda: | ||
| Average total assets | $184,483,000 | 3,251 |
| Average earning assets | $161,242,000 | 3,362 |
| Average equity | $16,425,200 | 3,720 |
| Average total loans | $97,720,400 | 3,579 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4138% | 809 |
| Cost of funding earning assets | 0.1442% | 7,046 |
| Net interest margin | 5.2696% | 257 |
| Noninterest income to average assets | 0.9835% | 1,547 |
| Noninterest expense to average assets | 4.7648% | 434 |
| Loan and lease loss provision to assets | 0.2306% | 2,743 |
| Net operating income to assets | 0.5788% | 4,480 |
| Return on assets (ROA) | 0.5788% | 4,759 |
| Pretax return on assets | 0.5788% | 5,236 |
| Return on Equity (ROE) | 6.4440% | 4,098 |
| Retained earnings to average equity (ytd only) | 2.8131% | 4,862 |
| Net charge-offs to loans | 0.0837% | 4,553 |
| Credit loss provision to net charge-offs | 514.7541% | 520 |
| Earnings coverage of net charge-offs (x) | 18.0659% | 1,588 |
| Efficiency ratio | 85.4790% | 1,432 |
| Assets per employee ($millions) | 1.9336% | 7,022 |
| Cash dividends to net income (ytd only)* | 56.3457% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0507% | 2,032 |
| Loan loss allowance to noncurrent loans | 94.1866% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.5905% | 3,213 |
| Noncurrent loans to loans | 2.1772% | 2,649 |
| Net loans and leases to total assets | 53.3630% | 4,843 |
| Net loans and leases to deposits | 61.6097% | 5,008 |
| Net loans and leases to core deposits | 62.3527% | 5,322 |
| Total domestic deposits to total assets | 86.6146% | 2,911 |
| Equity capital to assets | 9.1746% | 5,621 |
| Core capital (leverage) ratio | 9.0782% | 4,952 |
| Tier 1 risk-based capital ratio | 15.1707% | 3,727 |
| Total risk-based capital ratio | 16.4277% | 3,672 |
| Memoranda: | ||
| Average total assets | $181,521,500 | 3,320 |
| Average earning assets | $158,134,750 | 3,447 |
| Average equity | $16,304,250 | 3,770 |
| Average total loans | $97,219,000 | 3,629 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3959% | 874 |
| Cost of funding earning assets | 0.1511% | 7,118 |
| Net interest margin | 5.2448% | 267 |
| Noninterest income to average assets | 0.9622% | 1,573 |
| Noninterest expense to average assets | 4.7142% | 454 |
| Loan and lease loss provision to assets | 0.2296% | 2,777 |
| Net operating income to assets | 0.5942% | 4,392 |
| Return on assets (ROA) | 0.5942% | 4,650 |
| Pretax return on assets | 0.5942% | 5,158 |
| Return on Equity (ROE) | 6.6627% | 3,954 |
| Retained earnings to average equity (ytd only) | 3.0296% | 4,622 |
| Net charge-offs to loans | -0.0021% | 6,091 |
| Credit loss provision to net charge-offs | -20,900.0000% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1250% | 1,521 |
| Assets per employee ($millions) | 2.0555% | 7,038 |
| Cash dividends to net income (ytd only)* | 54.5287% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0133% | 2,193 |
| Loan loss allowance to noncurrent loans | 101.4440% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.5070% | 3,441 |
| Noncurrent loans to loans | 1.9847% | 2,962 |
| Net loans and leases to total assets | 52.3289% | 5,054 |
| Net loans and leases to deposits | 59.8362% | 5,254 |
| Net loans and leases to core deposits | 60.5355% | 5,539 |
| Total domestic deposits to total assets | 87.4535% | 2,497 |
| Equity capital to assets | 8.9531% | 5,754 |
| Core capital (leverage) ratio | 8.9149% | 5,027 |
| Tier 1 risk-based capital ratio | 14.9524% | 3,794 |
| Total risk-based capital ratio | 16.2089% | 3,744 |
| Memoranda: | ||
| Average total assets | $182,087,670 | 3,323 |
| Average earning assets | $158,862,000 | 3,448 |
| Average equity | $16,239,670 | 3,768 |
| Average total loans | $96,969,330 | 3,646 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 923 |
| Cost of funding earning assets | 0.1540% | 7,180 |
| Net interest margin | 5.2397% | 279 |
| Noninterest income to average assets | 0.8962% | 1,760 |
| Noninterest expense to average assets | 4.9829% | 368 |
| Loan and lease loss provision to assets | 0.2290% | 2,656 |
| Net operating income to assets | 0.2554% | 5,797 |
| Return on assets (ROA) | 0.2554% | 5,954 |
| Pretax return on assets | 0.2554% | 6,070 |
| Return on Equity (ROE) | 2.8695% | 5,762 |
| Retained earnings to average equity (ytd only) | 2.5479% | 4,981 |
| Net charge-offs to loans | -0.0041% | 5,777 |
| Credit loss provision to net charge-offs | -10,400.0000% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1398% | 1,005 |
| Assets per employee ($millions) | 2.1827% | 7,052 |
| Cash dividends to net income (ytd only)* | 11.2069% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 2,559 |
| Loan loss allowance to noncurrent loans | 109.0803% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.2977% | 3,966 |
| Noncurrent loans to loans | 1.7775% | 3,440 |
| Net loans and leases to total assets | 51.9819% | 5,030 |
| Net loans and leases to deposits | 59.2702% | 5,249 |
| Net loans and leases to core deposits | 59.8815% | 5,540 |
| Total domestic deposits to total assets | 87.7033% | 2,525 |
| Equity capital to assets | 8.9582% | 5,560 |
| Core capital (leverage) ratio | 9.0328% | 4,785 |
| Tier 1 risk-based capital ratio | 15.1721% | 3,640 |
| Total risk-based capital ratio | 16.4284% | 3,595 |
| Memoranda: | ||
| Average total assets | $181,660,000 | 3,350 |
| Average earning assets | $158,481,500 | 3,463 |
| Average equity | $16,170,000 | 3,788 |
| Average total loans | $96,604,500 | 3,672 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 645 |
| Cost of funding earning assets | 0.2343% | 7,196 |
| Net interest margin | 5.5646% | 160 |
| Noninterest income to average assets | 1.1183% | 1,058 |
| Noninterest expense to average assets | 4.6154% | 519 |
| Loan and lease loss provision to assets | 0.3082% | 3,206 |
| Net operating income to assets | 1.0929% | 1,864 |
| Return on assets (ROA) | 1.0929% | 1,976 |
| Pretax return on assets | 1.0929% | 2,865 |
| Return on Equity (ROE) | 12.1490% | 1,366 |
| Retained earnings to average equity (ytd only) | 6.2314% | 1,887 |
| Net charge-offs to loans | 0.3466% | 3,667 |
| Credit loss provision to net charge-offs | 155.0725% | 1,810 |
| Earnings coverage of net charge-offs (x) | 7.0493% | 2,406 |
| Efficiency ratio | 76.7117% | 2,786 |
| Assets per employee ($millions) | 2.3353% | 6,980 |
| Cash dividends to net income (ytd only)* | 48.7085% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,844 |
| Loan loss allowance to noncurrent loans | 84.8792% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.3845% | 3,927 |
| Noncurrent loans to loans | 2.1302% | 3,032 |
| Net loans and leases to total assets | 52.3823% | 5,252 |
| Net loans and leases to deposits | 59.3887% | 5,560 |
| Net loans and leases to core deposits | 59.8968% | 5,854 |
| Total domestic deposits to total assets | 88.2025% | 2,025 |
| Equity capital to assets | 8.8446% | 5,737 |
| Core capital (leverage) ratio | 9.0723% | 4,664 |
| Tier 1 risk-based capital ratio | 14.9453% | 3,672 |
| Total risk-based capital ratio | 16.1999% | 3,628 |
| Memoranda: | ||
| Average total assets | $173,572,200 | 3,436 |
| Average earning assets | $152,786,400 | 3,536 |
| Average equity | $15,614,400 | 3,787 |
| Average total loans | $99,539,400 | 3,632 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8854% | 578 |
| Cost of funding earning assets | 0.2486% | 7,277 |
| Net interest margin | 5.6368% | 147 |
| Noninterest income to average assets | 1.1752% | 955 |
| Noninterest expense to average assets | 4.6355% | 508 |
| Loan and lease loss provision to assets | 0.2403% | 3,605 |
| Net operating income to assets | 1.2717% | 1,449 |
| Return on assets (ROA) | 1.2740% | 1,552 |
| Pretax return on assets | 1.2740% | 2,383 |
| Return on Equity (ROE) | 14.0989% | 1,024 |
| Retained earnings to average equity (ytd only) | 6.1457% | 2,464 |
| Net charge-offs to loans | 0.1585% | 4,510 |
| Credit loss provision to net charge-offs | 259.6639% | 1,102 |
| Earnings coverage of net charge-offs (x) | 16.3364% | 1,405 |
| Efficiency ratio | 75.4049% | 2,939 |
| Assets per employee ($millions) | 2.2226% | 7,133 |
| Cash dividends to net income (ytd only)* | 56.4102% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 3,006 |
| Loan loss allowance to noncurrent loans | 129.1176% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 4,685 |
| Noncurrent loans to loans | 1.3814% | 4,223 |
| Net loans and leases to total assets | 55.7781% | 4,877 |
| Net loans and leases to deposits | 64.8908% | 5,061 |
| Net loans and leases to core deposits | 65.4867% | 5,468 |
| Total domestic deposits to total assets | 85.9570% | 3,235 |
| Equity capital to assets | 9.1394% | 5,595 |
| Core capital (leverage) ratio | 9.2858% | 4,473 |
| Tier 1 risk-based capital ratio | 14.9088% | 3,714 |
| Total risk-based capital ratio | 16.1640% | 3,684 |
| Memoranda: | ||
| Average total assets | $171,426,000 | 3,493 |
| Average earning assets | $151,217,500 | 3,583 |
| Average equity | $15,490,250 | 3,825 |
| Average total loans | $100,130,500 | 3,646 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8964% | 584 |
| Cost of funding earning assets | 0.2611% | 7,352 |
| Net interest margin | 5.6353% | 143 |
| Noninterest income to average assets | 1.2074% | 872 |
| Noninterest expense to average assets | 4.5860% | 542 |
| Loan and lease loss provision to assets | 0.2412% | 3,495 |
| Net operating income to assets | 1.3596% | 1,169 |
| Return on assets (ROA) | 1.3596% | 1,241 |
| Pretax return on assets | 1.3596% | 1,922 |
| Return on Equity (ROE) | 15.1051% | 787 |
| Retained earnings to average equity (ytd only) | 5.8287% | 2,526 |
| Net charge-offs to loans | 0.0993% | 4,689 |
| Credit loss provision to net charge-offs | 412.0000% | 731 |
| Earnings coverage of net charge-offs (x) | 27.3400% | 991 |
| Efficiency ratio | 74.1246% | 3,347 |
| Assets per employee ($millions) | 2.0515% | 7,267 |
| Cash dividends to net income (ytd only)* | 61.4126% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 3,311 |
| Loan loss allowance to noncurrent loans | 159.6849% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 5,103 |
| Noncurrent loans to loans | 1.0676% | 4,880 |
| Net loans and leases to total assets | 57.6520% | 4,697 |
| Net loans and leases to deposits | 65.8010% | 5,027 |
| Net loans and leases to core deposits | 66.4898% | 5,448 |
| Total domestic deposits to total assets | 87.6156% | 2,396 |
| Equity capital to assets | 9.0354% | 5,532 |
| Core capital (leverage) ratio | 9.0602% | 4,630 |
| Tier 1 risk-based capital ratio | 14.4343% | 3,836 |
| Total risk-based capital ratio | 15.6888% | 3,806 |
| Memoranda: | ||
| Average total assets | $170,781,330 | 3,522 |
| Average earning assets | $150,906,670 | 3,613 |
| Average equity | $15,372,330 | 3,842 |
| Average total loans | $100,689,670 | 3,667 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9413% | 538 |
| Cost of funding earning assets | 0.2674% | 7,418 |
| Net interest margin | 5.6739% | 126 |
| Noninterest income to average assets | 1.1646% | 953 |
| Noninterest expense to average assets | 4.6468% | 511 |
| Loan and lease loss provision to assets | 0.2423% | 3,248 |
| Net operating income to assets | 1.2682% | 1,347 |
| Return on assets (ROA) | 1.2682% | 1,398 |
| Pretax return on assets | 1.2682% | 2,138 |
| Return on Equity (ROE) | 14.1160% | 968 |
| Retained earnings to average equity (ytd only) | 7.9353% | 1,758 |
| Net charge-offs to loans | 0.0756% | 4,183 |
| Credit loss provision to net charge-offs | 542.1053% | 673 |
| Earnings coverage of net charge-offs (x) | 33.7895% | 769 |
| Efficiency ratio | 75.4681% | 3,245 |
| Assets per employee ($millions) | 2.0565% | 7,338 |
| Cash dividends to net income (ytd only)* | 43.7848% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 3,604 |
| Loan loss allowance to noncurrent loans | 109.8470% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 1.1552% | 4,628 |
| Noncurrent loans to loans | 1.4840% | 4,246 |
| Net loans and leases to total assets | 59.0812% | 4,449 |
| Net loans and leases to deposits | 68.1334% | 4,667 |
| Net loans and leases to core deposits | 68.8671% | 5,184 |
| Total domestic deposits to total assets | 86.7140% | 3,113 |
| Equity capital to assets | 9.1544% | 4,947 |
| Core capital (leverage) ratio | 9.2204% | 4,255 |
| Tier 1 risk-based capital ratio | 14.3301% | 3,847 |
| Total risk-based capital ratio | 15.5836% | 3,804 |
| Memoranda: | ||
| Average total assets | $170,011,000 | 3,556 |
| Average earning assets | $149,596,000 | 3,647 |
| Average equity | $15,273,500 | 3,851 |
| Average total loans | $100,499,500 | 3,704 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2817% | 480 |
| Cost of funding earning assets | 0.3837% | 7,443 |
| Net interest margin | 5.8980% | 107 |
| Noninterest income to average assets | 1.2793% | 900 |
| Noninterest expense to average assets | 4.7771% | 511 |
| Loan and lease loss provision to assets | 0.2584% | 4,728 |
| Net operating income to assets | 1.4129% | 918 |
| Return on assets (ROA) | 1.4034% | 1,020 |
| Pretax return on assets | 1.4034% | 1,659 |
| Return on Equity (ROE) | 15.3874% | 664 |
| Retained earnings to average equity (ytd only) | 8.3950% | 869 |
| Net charge-offs to loans | 0.1603% | 5,382 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 17.2484% | 1,164 |
| Efficiency ratio | 74.0817% | 3,385 |
| Assets per employee ($millions) | 2.2259% | 7,282 |
| Cash dividends to net income (ytd only)* | 45.4422% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 3,693 |
| Loan loss allowance to noncurrent loans | 191.0976% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7830% | 5,447 |
| Noncurrent loans to loans | 0.8223% | 5,405 |
| Net loans and leases to total assets | 57.2678% | 5,146 |
| Net loans and leases to deposits | 65.9790% | 5,402 |
| Net loans and leases to core deposits | 66.6741% | 5,815 |
| Total domestic deposits to total assets | 86.7970% | 2,929 |
| Equity capital to assets | 8.8160% | 5,406 |
| Core capital (leverage) ratio | 9.2623% | 4,082 |
| Tier 1 risk-based capital ratio | 14.0938% | 3,813 |
| Total risk-based capital ratio | 15.3467% | 3,773 |
| Memoranda: | ||
| Average total assets | $157,899,000 | 3,738 |
| Average earning assets | $138,386,400 | 3,850 |
| Average equity | $14,401,400 | 4,045 |
| Average total loans | $95,471,400 | 3,908 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3967% | 417 |
| Cost of funding earning assets | 0.4178% | 7,549 |
| Net interest margin | 5.9789% | 94 |
| Noninterest income to average assets | 1.2485% | 882 |
| Noninterest expense to average assets | 4.8698% | 418 |
| Loan and lease loss provision to assets | 0.2640% | 4,467 |
| Net operating income to assets | 1.3495% | 1,224 |
| Return on assets (ROA) | 1.3365% | 1,341 |
| Pretax return on assets | 1.3365% | 2,076 |
| Return on Equity (ROE) | 14.5194% | 936 |
| Retained earnings to average equity (ytd only) | 5.0804% | 2,926 |
| Net charge-offs to loans | 0.1003% | 5,525 |
| Credit loss provision to net charge-offs | 430.9859% | 705 |
| Earnings coverage of net charge-offs (x) | 26.3392% | 964 |
| Efficiency ratio | 75.1131% | 3,126 |
| Assets per employee ($millions) | 2.0651% | 7,491 |
| Cash dividends to net income (ytd only)* | 65.0096% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 3,614 |
| Loan loss allowance to noncurrent loans | 239.4737% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 5,862 |
| Noncurrent loans to loans | 0.6600% | 5,884 |
| Net loans and leases to total assets | 61.3756% | 4,655 |
| Net loans and leases to deposits | 70.8010% | 5,035 |
| Net loans and leases to core deposits | 71.8948% | 5,523 |
| Total domestic deposits to total assets | 86.6875% | 2,701 |
| Equity capital to assets | 9.2711% | 5,187 |
| Core capital (leverage) ratio | 9.2291% | 4,318 |
| Tier 1 risk-based capital ratio | 14.0160% | 3,820 |
| Total risk-based capital ratio | 15.2691% | 3,789 |
| Memoranda: | ||
| Average total assets | $154,525,500 | 3,850 |
| Average earning assets | $135,295,500 | 3,963 |
| Average equity | $14,224,250 | 4,152 |
| Average total loans | $94,409,250 | 4,010 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4492% | 375 |
| Cost of funding earning assets | 0.4426% | 7,618 |
| Net interest margin | 6.0066% | 94 |
| Noninterest income to average assets | 1.2503% | 829 |
| Noninterest expense to average assets | 4.8895% | 410 |
| Loan and lease loss provision to assets | 0.2654% | 4,268 |
| Net operating income to assets | 1.3401% | 1,215 |
| Return on assets (ROA) | 1.3206% | 1,329 |
| Pretax return on assets | 1.3206% | 2,026 |
| Return on Equity (ROE) | 14.3815% | 962 |
| Retained earnings to average equity (ytd only) | 2.6354% | 4,463 |
| Net charge-offs to loans | 0.1330% | 4,880 |
| Credit loss provision to net charge-offs | 329.0323% | 1,112 |
| Earnings coverage of net charge-offs (x) | 19.9032% | 1,238 |
| Efficiency ratio | 75.2804% | 3,214 |
| Assets per employee ($millions) | 2.0752% | 7,537 |
| Cash dividends to net income (ytd only)* | 81.6749% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 3,655 |
| Loan loss allowance to noncurrent loans | 223.0061% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 5,764 |
| Noncurrent loans to loans | 0.6966% | 5,853 |
| Net loans and leases to total assets | 58.4226% | 5,349 |
| Net loans and leases to deposits | 67.6423% | 5,597 |
| Net loans and leases to core deposits | 68.6379% | 6,004 |
| Total domestic deposits to total assets | 86.3700% | 2,886 |
| Equity capital to assets | 9.0053% | 5,442 |
| Core capital (leverage) ratio | 9.0666% | 4,498 |
| Tier 1 risk-based capital ratio | 14.0795% | 3,673 |
| Total risk-based capital ratio | 15.3320% | 3,631 |
| Memoranda: | ||
| Average total assets | $153,717,330 | 3,890 |
| Average earning assets | $134,218,670 | 4,017 |
| Average equity | $14,115,330 | 4,175 |
| Average total loans | $93,253,670 | 4,075 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4874% | 363 |
| Cost of funding earning assets | 0.4655% | 7,717 |
| Net interest margin | 6.0219% | 103 |
| Noninterest income to average assets | 1.3077% | 702 |
| Noninterest expense to average assets | 4.9302% | 385 |
| Loan and lease loss provision to assets | 0.2689% | 3,874 |
| Net operating income to assets | 1.3604% | 1,165 |
| Return on assets (ROA) | 1.3209% | 1,326 |
| Pretax return on assets | 1.3209% | 1,996 |
| Return on Equity (ROE) | 14.2416% | 1,007 |
| Retained earnings to average equity (ytd only) | 4.8040% | 3,268 |
| Net charge-offs to loans | 0.0258% | 5,210 |
| Credit loss provision to net charge-offs | 1,700.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 312 |
| Efficiency ratio | 75.1608% | 3,365 |
| Assets per employee ($millions) | 1.9044% | 7,713 |
| Cash dividends to net income (ytd only)* | 66.2675% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 3,945 |
| Loan loss allowance to noncurrent loans | 183.5724% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 1.0528% | 5,038 |
| Noncurrent loans to loans | 0.8129% | 5,686 |
| Net loans and leases to total assets | 61.7802% | 4,807 |
| Net loans and leases to deposits | 71.4042% | 5,141 |
| Net loans and leases to core deposits | 72.5003% | 5,654 |
| Total domestic deposits to total assets | 86.5219% | 2,885 |
| Equity capital to assets | 9.4250% | 4,649 |
| Core capital (leverage) ratio | 9.2388% | 4,160 |
| Tier 1 risk-based capital ratio | 14.1396% | 3,574 |
| Total risk-based capital ratio | 15.3921% | 3,536 |
| Memoranda: | ||
| Average total assets | $151,717,000 | 3,987 |
| Average earning assets | $132,317,500 | 4,113 |
| Average equity | $14,071,500 | 4,227 |
| Average total loans | $93,082,000 | 4,140 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2965% | 1,034 |
| Cost of funding earning assets | 0.6680% | 7,723 |
| Net interest margin | 5.6285% | 164 |
| Noninterest income to average assets | 1.3848% | 764 |
| Noninterest expense to average assets | 4.8926% | 569 |
| Loan and lease loss provision to assets | 0.4127% | 4,336 |
| Net operating income to assets | 0.9762% | 1,920 |
| Return on assets (ROA) | 0.9762% | 1,980 |
| Pretax return on assets | 0.9762% | 2,669 |
| Return on Equity (ROE) | 10.6197% | 1,517 |
| Retained earnings to average equity (ytd only) | 6.2114% | 1,266 |
| Net charge-offs to loans | 0.4773% | 3,871 |
| Credit loss provision to net charge-offs | 148.0583% | 3,168 |
| Earnings coverage of net charge-offs (x) | 4.9830% | 2,730 |
| Efficiency ratio | 77.8891% | 3,211 |
| Assets per employee ($millions) | 1.9613% | 7,752 |
| Cash dividends to net income (ytd only)* | 41.5107% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 4,082 |
| Loan loss allowance to noncurrent loans | 98.4246% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 4,941 |
| Noncurrent loans to loans | 1.4520% | 4,492 |
| Net loans and leases to total assets | 59.1536% | 5,471 |
| Net loans and leases to deposits | 67.7008% | 5,866 |
| Net loans and leases to core deposits | 72.1812% | 6,649 |
| Total domestic deposits to total assets | 87.3751% | 2,281 |
| Equity capital to assets | 9.1272% | 4,946 |
| Core capital (leverage) ratio | 9.0292% | 4,371 |
| Tier 1 risk-based capital ratio | 14.2187% | 3,368 |
| Total risk-based capital ratio | 15.4688% | 3,320 |
| Memoranda: | ||
| Average total assets | $147,814,600 | 3,989 |
| Average earning assets | $128,595,800 | 4,120 |
| Average equity | $13,588,000 | 4,364 |
| Average total loans | $86,316,800 | 4,319 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3018% | 1,136 |
| Cost of funding earning assets | 0.7157% | 7,793 |
| Net interest margin | 5.5861% | 166 |
| Noninterest income to average assets | 1.3941% | 785 |
| Noninterest expense to average assets | 4.9184% | 517 |
| Loan and lease loss provision to assets | 0.2539% | 4,920 |
| Net operating income to assets | 1.0728% | 1,821 |
| Return on assets (ROA) | 1.0728% | 1,873 |
| Pretax return on assets | 1.0728% | 2,662 |
| Return on Equity (ROE) | 11.6491% | 1,454 |
| Retained earnings to average equity (ytd only) | 5.7406% | 2,084 |
| Net charge-offs to loans | 0.2778% | 4,304 |
| Credit loss provision to net charge-offs | 157.6271% | 3,026 |
| Earnings coverage of net charge-offs (x) | 8.2374% | 2,283 |
| Efficiency ratio | 78.7556% | 3,043 |
| Assets per employee ($millions) | 1.8305% | 7,883 |
| Cash dividends to net income (ytd only)* | 50.7208% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 4,124 |
| Loan loss allowance to noncurrent loans | 144.0758% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 5,501 |
| Noncurrent loans to loans | 0.9490% | 5,400 |
| Net loans and leases to total assets | 59.9004% | 5,599 |
| Net loans and leases to deposits | 68.2002% | 6,114 |
| Net loans and leases to core deposits | 74.2842% | 6,712 |
| Total domestic deposits to total assets | 87.8303% | 1,736 |
| Equity capital to assets | 9.3944% | 4,893 |
| Core capital (leverage) ratio | 9.3288% | 4,142 |
| Tier 1 risk-based capital ratio | 14.5119% | 3,275 |
| Total risk-based capital ratio | 15.7614% | 3,215 |
| Memoranda: | ||
| Average total assets | $146,522,500 | 4,029 |
| Average earning assets | $127,240,750 | 4,174 |
| Average equity | $13,494,250 | 4,414 |
| Average total loans | $84,944,250 | 4,398 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1995% | 1,455 |
| Cost of funding earning assets | 0.7502% | 7,872 |
| Net interest margin | 5.4494% | 193 |
| Noninterest income to average assets | 1.4343% | 733 |
| Noninterest expense to average assets | 4.8038% | 592 |
| Loan and lease loss provision to assets | 0.2579% | 4,516 |
| Net operating income to assets | 1.1013% | 1,768 |
| Return on assets (ROA) | 1.1013% | 1,844 |
| Pretax return on assets | 1.1013% | 2,631 |
| Return on Equity (ROE) | 12.0388% | 1,397 |
| Retained earnings to average equity (ytd only) | 5.9672% | 2,037 |
| Net charge-offs to loans | 0.3803% | 3,299 |
| Credit loss provision to net charge-offs | 118.8679% | 3,911 |
| Earnings coverage of net charge-offs (x) | 6.2642% | 2,654 |
| Efficiency ratio | 77.9451% | 3,356 |
| Assets per employee ($millions) | 1.9356% | 7,897 |
| Cash dividends to net income (ytd only)* | 50.4337% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,174 |
| Loan loss allowance to noncurrent loans | 162.9630% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 5,625 |
| Noncurrent loans to loans | 0.8088% | 5,611 |
| Net loans and leases to total assets | 58.2244% | 5,932 |
| Net loans and leases to deposits | 66.3354% | 6,356 |
| Net loans and leases to core deposits | 72.5899% | 6,860 |
| Total domestic deposits to total assets | 87.7727% | 1,890 |
| Equity capital to assets | 9.2329% | 4,961 |
| Core capital (leverage) ratio | 9.1635% | 4,359 |
| Tier 1 risk-based capital ratio | 14.5710% | 3,210 |
| Total risk-based capital ratio | 15.8120% | 3,150 |
| Memoranda: | ||
| Average total assets | $146,550,670 | 4,060 |
| Average earning assets | $127,171,000 | 4,195 |
| Average equity | $13,406,670 | 4,445 |
| Average total loans | $83,614,670 | 4,472 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0786% | 2,030 |
| Cost of funding earning assets | 0.7839% | 7,926 |
| Net interest margin | 5.2946% | 232 |
| Noninterest income to average assets | 1.2278% | 949 |
| Noninterest expense to average assets | 4.6269% | 640 |
| Loan and lease loss provision to assets | 0.2461% | 4,009 |
| Net operating income to assets | 0.9352% | 2,564 |
| Return on assets (ROA) | 0.9352% | 2,693 |
| Pretax return on assets | 0.9352% | 3,580 |
| Return on Equity (ROE) | 10.2710% | 2,208 |
| Retained earnings to average equity (ytd only) | 6.8774% | 2,251 |
| Net charge-offs to loans | 0.7949% | 1,623 |
| Credit loss provision to net charge-offs | 55.2147% | 4,599 |
| Earnings coverage of net charge-offs (x) | 2.6503% | 3,433 |
| Efficiency ratio | 79.6610% | 2,868 |
| Assets per employee ($millions) | 1.9138% | 7,952 |
| Cash dividends to net income (ytd only)* | 33.0409% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 4,228 |
| Loan loss allowance to noncurrent loans | 111.4561% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.8621% | 5,038 |
| Noncurrent loans to loans | 1.1451% | 4,704 |
| Net loans and leases to total assets | 55.3633% | 6,322 |
| Net loans and leases to deposits | 62.2551% | 6,713 |
| Net loans and leases to core deposits | 68.2265% | 7,125 |
| Total domestic deposits to total assets | 88.9297% | 1,259 |
| Equity capital to assets | 9.2326% | 5,037 |
| Core capital (leverage) ratio | 9.1287% | 4,503 |
| Tier 1 risk-based capital ratio | 15.0100% | 3,064 |
| Total risk-based capital ratio | 16.1883% | 3,028 |
| Memoranda: | ||
| Average total assets | $146,273,500 | 4,072 |
| Average earning assets | $126,543,000 | 4,234 |
| Average equity | $13,319,000 | 4,496 |
| Average total loans | $82,024,500 | 4,560 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2429% | 669 |
| Cost of funding earning assets | 1.0399% | 8,038 |
| Net interest margin | 6.2030% | 92 |
| Noninterest income to average assets | 1.3107% | 850 |
| Noninterest expense to average assets | 5.2975% | 550 |
| Loan and lease loss provision to assets | 0.2493% | 4,425 |
| Net operating income to assets | 1.2160% | 1,727 |
| Return on assets (ROA) | 1.2160% | 1,674 |
| Pretax return on assets | 1.2160% | 2,591 |
| Return on Equity (ROE) | 13.2842% | 1,262 |
| Retained earnings to average equity (ytd only) | 7.7748% | 907 |
| Net charge-offs to loans | 0.1068% | 5,221 |
| Credit loss provision to net charge-offs | 401.1628% | 1,093 |
| Earnings coverage of net charge-offs (x) | 23.5814% | 1,418 |
| Efficiency ratio | 78.3333% | 2,866 |
| Assets per employee ($millions) | 1.8387% | 8,020 |
| Cash dividends to net income (ytd only)* | 41.4736% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 3,477 |
| Loan loss allowance to noncurrent loans | 151.1533% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 5,040 |
| Noncurrent loans to loans | 0.8935% | 4,835 |
| Net loans and leases to total assets | 55.3160% | 6,518 |
| Net loans and leases to deposits | 62.5424% | 6,909 |
| Net loans and leases to core deposits | 68.4769% | 7,267 |
| Total domestic deposits to total assets | 88.4456% | 1,275 |
| Equity capital to assets | 8.9799% | 5,395 |
| Core capital (leverage) ratio | 9.0503% | 4,673 |
| Tier 1 risk-based capital ratio | 14.5651% | 3,265 |
| Total risk-based capital ratio | 15.8103% | 3,191 |
| Memoranda: | ||
| Average total assets | $138,404,400 | 4,111 |
| Average earning assets | $121,650,400 | 4,220 |
| Average equity | $12,669,200 | 4,656 |
| Average total loans | $80,552,600 | 4,501 |