Home > The Miners State Bank > Performance and Condition Ratios
The Miners State 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 | 4.9797% | 3,146 |
| Cost of funding earning assets | 1.3961% | 3,417 |
| Net interest margin | 3.5836% | 2,113 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 2.9510% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8370% | 2,747 |
| Return on assets (ROA) | 0.8370% | 2,749 |
| Pretax return on assets | 0.7113% | 3,365 |
| Return on Equity (ROE) | 8.4100% | 2,764 |
| Retained earnings to average equity (ytd only) | 6.7712% | 2,066 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 80.5772% | 913 |
| Assets per employee ($millions) | 4.2961% | 3,986 |
| Cash dividends to net income (ytd only)* | 19.4539% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 3,296 |
| Loan loss allowance to noncurrent loans | 255.8074% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 1,097 |
| Noncurrent loans to loans | 0.3862% | 2,156 |
| Net loans and leases to total assets | 63.8300% | 2,517 |
| Net loans and leases to deposits | 71.9280% | 2,743 |
| Net loans and leases to core deposits | 74.4715% | 3,050 |
| Total domestic deposits to total assets | 88.7400% | 1,289 |
| Equity capital to assets | 10.0212% | 2,209 |
| Core capital (leverage) ratio | 11.4272% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $140,021,500 | 3,442 |
| Average earning assets | $128,361,000 | 3,465 |
| Average equity | $13,941,500 | 3,464 |
| Average total loans | $92,011,000 | 3,295 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 3,303 |
| Cost of funding earning assets | 1.4024% | 3,518 |
| Net interest margin | 3.4706% | 2,139 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 3.0239% | 1,109 |
| Loan and lease loss provision to assets | 0.3600% | 320 |
| Net operating income to assets | 0.0694% | 4,118 |
| Return on assets (ROA) | 0.0694% | 4,144 |
| Pretax return on assets | 0.1818% | 4,053 |
| Return on Equity (ROE) | 0.7000% | 4,133 |
| Retained earnings to average equity (ytd only) | -1.3552% | 4,120 |
| Net charge-offs to loans | 0.9494% | 160 |
| Credit loss provision to net charge-offs | 55.6678% | 2,303 |
| Earnings coverage of net charge-offs (x) | 0.8440% | 2,958 |
| Efficiency ratio | 84.8935% | 739 |
| Assets per employee ($millions) | 4.1901% | 4,033 |
| Cash dividends to net income (ytd only)* | 293.8144% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 3,364 |
| Loan loss allowance to noncurrent loans | 2,736.3636% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 1,509 |
| Noncurrent loans to loans | 0.0356% | 3,490 |
| Net loans and leases to total assets | 66.3300% | 2,326 |
| Net loans and leases to deposits | 75.4970% | 2,513 |
| Net loans and leases to core deposits | 77.9538% | 2,912 |
| Total domestic deposits to total assets | 87.8600% | 1,563 |
| Equity capital to assets | 9.8906% | 2,197 |
| Core capital (leverage) ratio | 11.1361% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $139,752,200 | 3,449 |
| Average earning assets | $128,711,200 | 3,455 |
| Average equity | $13,872,400 | 3,428 |
| Average total loans | $93,845,400 | 3,269 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 3,383 |
| Cost of funding earning assets | 1.3588% | 3,582 |
| Net interest margin | 3.4410% | 2,155 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.9897% | 1,123 |
| Loan and lease loss provision to assets | 0.4700% | 191 |
| Net operating income to assets | 0.0352% | 4,185 |
| Return on assets (ROA) | 0.0352% | 4,218 |
| Pretax return on assets | 0.0875% | 4,163 |
| Return on Equity (ROE) | 0.3500% | 4,206 |
| Retained earnings to average equity (ytd only) | -1.5994% | 4,174 |
| Net charge-offs to loans | 0.7930% | 175 |
| Credit loss provision to net charge-offs | 88.5714% | 1,794 |
| Earnings coverage of net charge-offs (x) | 1.0536% | 2,698 |
| Efficiency ratio | 84.1908% | 808 |
| Assets per employee ($millions) | 4.3635% | 3,981 |
| Cash dividends to net income (ytd only)* | 551.3514% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 1,743 |
| Loan loss allowance to noncurrent loans | 155.2201% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 918 |
| Noncurrent loans to loans | 0.8336% | 1,201 |
| Net loans and leases to total assets | 65.3700% | 2,385 |
| Net loans and leases to deposits | 73.6903% | 2,697 |
| Net loans and leases to core deposits | 75.1625% | 3,114 |
| Total domestic deposits to total assets | 88.7100% | 1,009 |
| Equity capital to assets | 9.9733% | 2,317 |
| Core capital (leverage) ratio | 10.9943% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $140,122,000 | 3,455 |
| Average earning assets | $129,027,500 | 3,453 |
| Average equity | $13,921,500 | 3,429 |
| Average total loans | $94,150,500 | 3,270 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 3,481 |
| Cost of funding earning assets | 1.2677% | 3,678 |
| Net interest margin | 3.4320% | 2,105 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.9705% | 1,141 |
| Loan and lease loss provision to assets | 0.4300% | 213 |
| Net operating income to assets | 0.3313% | 3,772 |
| Return on assets (ROA) | 0.3313% | 3,817 |
| Pretax return on assets | 0.1556% | 4,103 |
| Return on Equity (ROE) | 3.3400% | 3,836 |
| Retained earnings to average equity (ytd only) | 1.4955% | 3,487 |
| Net charge-offs to loans | 0.9579% | 142 |
| Credit loss provision to net charge-offs | 66.8151% | 1,734 |
| Earnings coverage of net charge-offs (x) | 0.9087% | 2,504 |
| Efficiency ratio | 83.4818% | 892 |
| Assets per employee ($millions) | 3.9812% | 4,129 |
| Cash dividends to net income (ytd only)* | 55.2174% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,200 |
| Loan loss allowance to noncurrent loans | 135.3357% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8310% | 769 |
| Noncurrent loans to loans | 0.8937% | 1,057 |
| Net loans and leases to total assets | 67.3500% | 2,187 |
| Net loans and leases to deposits | 80.8772% | 2,126 |
| Net loans and leases to core deposits | 82.7629% | 2,621 |
| Total domestic deposits to total assets | 83.2800% | 2,801 |
| Equity capital to assets | 9.8785% | 2,151 |
| Core capital (leverage) ratio | 11.4102% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $138,831,333 | 3,474 |
| Average earning assets | $128,264,333 | 3,466 |
| Average equity | $13,775,000 | 3,417 |
| Average total loans | $93,745,333 | 3,274 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 3,498 |
| Cost of funding earning assets | 1.1361% | 3,827 |
| Net interest margin | 3.4771% | 1,939 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 3.0020% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3233% | 3,774 |
| Return on assets (ROA) | 0.3233% | 3,800 |
| Pretax return on assets | 0.5686% | 3,447 |
| Return on Equity (ROE) | 3.2500% | 3,803 |
| Retained earnings to average equity (ytd only) | 1.0740% | 3,489 |
| Net charge-offs to loans | 1.9245% | 51 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.4397% | 2,109 |
| Efficiency ratio | 84.0744% | 904 |
| Assets per employee ($millions) | 4.3272% | 4,031 |
| Cash dividends to net income (ytd only)* | 66.9643% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 3,657 |
| Loan loss allowance to noncurrent loans | 78.3934% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.0053% | 570 |
| Noncurrent loans to loans | 1.1633% | 722 |
| Net loans and leases to total assets | 66.6200% | 2,175 |
| Net loans and leases to deposits | 76.2239% | 2,408 |
| Net loans and leases to core deposits | 77.7399% | 2,870 |
| Total domestic deposits to total assets | 87.4000% | 1,631 |
| Equity capital to assets | 9.8954% | 2,071 |
| Core capital (leverage) ratio | 11.3638% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $138,575,500 | 3,485 |
| Average earning assets | $128,154,000 | 3,480 |
| Average equity | $13,780,000 | 3,432 |
| Average total loans | $93,116,500 | 3,288 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 3,386 |
| Cost of funding earning assets | 0.7023% | 3,928 |
| Net interest margin | 3.6315% | 1,898 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.8802% | 1,312 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 0.5348% | 3,599 |
| Return on assets (ROA) | 0.5348% | 3,585 |
| Pretax return on assets | 0.5111% | 3,787 |
| Return on Equity (ROE) | 5.6200% | 3,605 |
| Retained earnings to average equity (ytd only) | 3.7914% | 3,033 |
| Net charge-offs to loans | -0.0011% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.1408% | 1,058 |
| Assets per employee ($millions) | 4.3338% | 4,030 |
| Cash dividends to net income (ytd only)* | 32.5737% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,409 |
| Loan loss allowance to noncurrent loans | 107.9867% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.0895% | 428 |
| Noncurrent loans to loans | 1.2906% | 543 |
| Net loans and leases to total assets | 66.2200% | 2,237 |
| Net loans and leases to deposits | 77.0675% | 2,350 |
| Net loans and leases to core deposits | 78.4414% | 2,806 |
| Total domestic deposits to total assets | 85.9300% | 2,044 |
| Equity capital to assets | 9.9926% | 2,015 |
| Core capital (leverage) ratio | 11.4426% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $139,503,800 | 3,465 |
| Average earning assets | $128,431,200 | 3,458 |
| Average equity | $13,267,000 | 3,400 |
| Average total loans | $88,001,200 | 3,319 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 3,334 |
| Cost of funding earning assets | 0.6272% | 3,927 |
| Net interest margin | 3.6482% | 1,888 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.9041% | 1,223 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.6776% | 3,371 |
| Return on assets (ROA) | 0.6776% | 3,360 |
| Pretax return on assets | 0.7711% | 3,396 |
| Return on Equity (ROE) | 7.2200% | 3,374 |
| Retained earnings to average equity (ytd only) | 5.6912% | 2,719 |
| Net charge-offs to loans | -0.0015% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.5493% | 964 |
| Assets per employee ($millions) | 3.9671% | 4,183 |
| Cash dividends to net income (ytd only)* | 21.1268% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 3,264 |
| Loan loss allowance to noncurrent loans | 80.8719% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.0320% | 490 |
| Noncurrent loans to loans | 1.2595% | 609 |
| Net loans and leases to total assets | 63.6200% | 2,493 |
| Net loans and leases to deposits | 70.9689% | 2,776 |
| Net loans and leases to core deposits | 72.1751% | 3,095 |
| Total domestic deposits to total assets | 89.6400% | 1,032 |
| Equity capital to assets | 9.1696% | 2,313 |
| Core capital (leverage) ratio | 11.6365% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $139,709,250 | 3,469 |
| Average earning assets | $128,389,250 | 3,467 |
| Average equity | $13,119,250 | 3,410 |
| Average total loans | $86,718,000 | 3,338 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 3,164 |
| Cost of funding earning assets | 0.5728% | 3,826 |
| Net interest margin | 3.6911% | 1,833 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.9187% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7300% | 3,274 |
| Return on assets (ROA) | 0.7300% | 3,280 |
| Pretax return on assets | 0.8172% | 3,366 |
| Return on Equity (ROE) | 7.7100% | 3,312 |
| Retained earnings to average equity (ytd only) | 6.1593% | 2,564 |
| Net charge-offs to loans | -0.0023% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.0963% | 993 |
| Assets per employee ($millions) | 3.6874% | 4,293 |
| Cash dividends to net income (ytd only)* | 20.1566% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,276 |
| Loan loss allowance to noncurrent loans | 81.9945% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.0486% | 427 |
| Noncurrent loans to loans | 1.2600% | 563 |
| Net loans and leases to total assets | 64.0800% | 2,376 |
| Net loans and leases to deposits | 73.2675% | 2,562 |
| Net loans and leases to core deposits | 73.9766% | 2,887 |
| Total domestic deposits to total assets | 87.4600% | 1,787 |
| Equity capital to assets | 10.0222% | 1,849 |
| Core capital (leverage) ratio | 11.4220% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $139,995,667 | 3,477 |
| Average earning assets | $128,851,333 | 3,475 |
| Average equity | $13,248,333 | 3,412 |
| Average total loans | $85,877,667 | 3,352 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 2,905 |
| Cost of funding earning assets | 0.5024% | 3,679 |
| Net interest margin | 3.7561% | 1,781 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.8826% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7743% | 3,280 |
| Return on assets (ROA) | 0.7743% | 3,236 |
| Pretax return on assets | 0.8912% | 3,265 |
| Return on Equity (ROE) | 8.4100% | 3,198 |
| Retained earnings to average equity (ytd only) | 6.7168% | 2,579 |
| Net charge-offs to loans | -0.0047% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.3274% | 1,147 |
| Assets per employee ($millions) | 4.1168% | 4,203 |
| Cash dividends to net income (ytd only)* | 20.1439% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,343 |
| Loan loss allowance to noncurrent loans | 80.8007% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.0059% | 405 |
| Noncurrent loans to loans | 1.2854% | 522 |
| Net loans and leases to total assets | 60.4500% | 2,599 |
| Net loans and leases to deposits | 67.7970% | 2,787 |
| Net loans and leases to core deposits | 68.4702% | 3,059 |
| Total domestic deposits to total assets | 89.1600% | 1,486 |
| Equity capital to assets | 9.6185% | 2,051 |
| Core capital (leverage) ratio | 10.6467% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $143,621,000 | 3,485 |
| Average earning assets | $132,160,000 | 3,487 |
| Average equity | $13,220,500 | 3,458 |
| Average total loans | $85,840,000 | 3,389 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5804% | 2,855 |
| Cost of funding earning assets | 0.3145% | 2,760 |
| Net interest margin | 3.2659% | 2,660 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.5961% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5946% | 3,897 |
| Return on assets (ROA) | 0.6043% | 3,825 |
| Pretax return on assets | 0.7333% | 3,788 |
| Return on Equity (ROE) | 7.1300% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.9997% | 3,052 |
| Net charge-offs to loans | 0.0120% | 1,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 115.8000% | 902 |
| Efficiency ratio | 78.2535% | 837 |
| Assets per employee ($millions) | 4.3315% | 4,126 |
| Cash dividends to net income (ytd only)* | 29.8969% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 3,561 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 2,115 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 57.9600% | 2,827 |
| Net loans and leases to deposits | 64.3140% | 3,014 |
| Net loans and leases to core deposits | 65.4844% | 3,170 |
| Total domestic deposits to total assets | 90.1200% | 1,307 |
| Equity capital to assets | 8.8123% | 2,481 |
| Core capital (leverage) ratio | 9.9797% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $160,511,800 | 3,340 |
| Average earning assets | $147,554,400 | 3,349 |
| Average equity | $13,600,800 | 3,516 |
| Average total loans | $83,417,400 | 3,364 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3976% | 2,929 |
| Cost of funding earning assets | 0.3225% | 1,938 |
| Net interest margin | 3.0751% | 3,005 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.5645% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5234% | 4,024 |
| Return on assets (ROA) | 0.5372% | 3,938 |
| Pretax return on assets | 0.6047% | 3,981 |
| Return on Equity (ROE) | 6.4000% | 3,711 |
| Retained earnings to average equity (ytd only) | 4.9430% | 3,122 |
| Net charge-offs to loans | 0.0161% | 1,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 72.4000% | 1,091 |
| Efficiency ratio | 81.3161% | 693 |
| Assets per employee ($millions) | 4.5067% | 4,051 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 3,551 |
| Loan loss allowance to noncurrent loans | 647.6563% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 1,844 |
| Noncurrent loans to loans | 0.1523% | 2,852 |
| Net loans and leases to total assets | 52.7700% | 3,210 |
| Net loans and leases to deposits | 57.8951% | 3,351 |
| Net loans and leases to core deposits | 59.1194% | 3,444 |
| Total domestic deposits to total assets | 91.1400% | 1,178 |
| Equity capital to assets | 7.8308% | 2,999 |
| Core capital (leverage) ratio | 9.3881% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $163,821,750 | 3,344 |
| Average earning assets | $150,495,000 | 3,345 |
| Average equity | $13,756,500 | 3,542 |
| Average total loans | $82,725,750 | 3,383 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1540% | 3,181 |
| Cost of funding earning assets | 0.3496% | 1,263 |
| Net interest margin | 2.8044% | 3,433 |
| Noninterest income to average assets | 0.3292% | 3,195 |
| Noninterest expense to average assets | 2.5710% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3666% | 4,174 |
| Return on assets (ROA) | 0.3666% | 4,132 |
| Pretax return on assets | 0.3316% | 4,255 |
| Return on Equity (ROE) | 4.2743% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.8261% | 3,498 |
| Net charge-offs to loans | 0.0243% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,428 |
| Efficiency ratio | 88.5750% | 472 |
| Assets per employee ($millions) | 4.3455% | 4,180 |
| Cash dividends to net income (ytd only)* | 33.8816% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 2,378 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.0604% | 3,257 |
| Net loans and leases to deposits | 56.5660% | 3,336 |
| Net loans and leases to core deposits | 57.7275% | 3,443 |
| Total domestic deposits to total assets | 90.2669% | 1,601 |
| Equity capital to assets | 8.2584% | 2,935 |
| Core capital (leverage) ratio | 9.0881% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,850,333 | 3,362 |
| Average earning assets | $152,189,667 | 3,376 |
| Average equity | $14,224,667 | 3,563 |
| Average total loans | $82,281,333 | 3,424 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9464% | 3,410 |
| Cost of funding earning assets | 0.3716% | 1,045 |
| Net interest margin | 2.5749% | 3,723 |
| Noninterest income to average assets | 0.3231% | 3,171 |
| Noninterest expense to average assets | 2.5774% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0855% | 4,486 |
| Return on assets (ROA) | 0.0855% | 4,460 |
| Pretax return on assets | 0.0998% | 4,446 |
| Return on Equity (ROE) | 0.9797% | 4,427 |
| Retained earnings to average equity (ytd only) | -0.5715% | 4,091 |
| Net charge-offs to loans | 0.0049% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 994 |
| Efficiency ratio | 96.2733% | 323 |
| Assets per employee ($millions) | 4.5957% | 4,082 |
| Cash dividends to net income (ytd only)* | 158.3333% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,602 |
| Loan loss allowance to noncurrent loans | 7,618.1818% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 2,522 |
| Noncurrent loans to loans | 0.0135% | 3,916 |
| Net loans and leases to total assets | 46.2476% | 3,554 |
| Net loans and leases to deposits | 52.6036% | 3,525 |
| Net loans and leases to core deposits | 53.8078% | 3,605 |
| Total domestic deposits to total assets | 87.9172% | 2,562 |
| Equity capital to assets | 8.0711% | 3,513 |
| Core capital (leverage) ratio | 8.9220% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,384,500 | 3,360 |
| Average earning assets | $153,949,000 | 3,375 |
| Average equity | $14,698,000 | 3,592 |
| Average total loans | $81,959,500 | 3,435 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3396% | 3,085 |
| Cost of funding earning assets | 0.4524% | 1,184 |
| Net interest margin | 2.8872% | 3,477 |
| Noninterest income to average assets | 0.4139% | 2,976 |
| Noninterest expense to average assets | 2.5111% | 2,147 |
| Loan and lease loss provision to assets | 0.0184% | 2,701 |
| Net operating income to assets | 0.4293% | 4,223 |
| Return on assets (ROA) | 0.4293% | 4,265 |
| Pretax return on assets | 0.4630% | 4,306 |
| Return on Equity (ROE) | 4.5622% | 4,093 |
| Retained earnings to average equity (ytd only) | 2.6042% | 3,797 |
| Net charge-offs to loans | 0.0261% | 1,721 |
| Credit loss provision to net charge-offs | 130.4348% | 1,578 |
| Earnings coverage of net charge-offs (x) | 34.0870% | 1,523 |
| Efficiency ratio | 83.9113% | 577 |
| Assets per employee ($millions) | 4.2667% | 4,288 |
| Cash dividends to net income (ytd only)* | 42.9185% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,663 |
| Loan loss allowance to noncurrent loans | 9,322.2222% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 2,563 |
| Noncurrent loans to loans | 0.0109% | 4,011 |
| Net loans and leases to total assets | 50.2532% | 3,242 |
| Net loans and leases to deposits | 58.2470% | 3,231 |
| Net loans and leases to core deposits | 59.7264% | 3,331 |
| Total domestic deposits to total assets | 86.2761% | 2,815 |
| Equity capital to assets | 9.4373% | 3,196 |
| Core capital (leverage) ratio | 9.0808% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,839,800 | 3,368 |
| Average earning assets | $145,437,000 | 3,419 |
| Average equity | $15,321,600 | 3,603 |
| Average total loans | $87,985,400 | 3,363 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3745% | 3,182 |
| Cost of funding earning assets | 0.4610% | 1,282 |
| Net interest margin | 2.9135% | 3,525 |
| Noninterest income to average assets | 0.4531% | 2,825 |
| Noninterest expense to average assets | 2.5093% | 2,094 |
| Loan and lease loss provision to assets | 0.0245% | 2,503 |
| Net operating income to assets | 0.4989% | 4,209 |
| Return on assets (ROA) | 0.4989% | 4,254 |
| Pretax return on assets | 0.5194% | 4,345 |
| Return on Equity (ROE) | 5.3065% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.1839% | 3,835 |
| Net charge-offs to loans | 0.0343% | 1,389 |
| Credit loss provision to net charge-offs | 130.4348% | 1,415 |
| Earnings coverage of net charge-offs (x) | 28.9130% | 1,544 |
| Efficiency ratio | 82.1859% | 623 |
| Assets per employee ($millions) | 4.3131% | 4,255 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 3,867 |
| Loan loss allowance to noncurrent loans | 10,487.5000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 2,839 |
| Noncurrent loans to loans | 0.0095% | 4,139 |
| Net loans and leases to total assets | 49.6056% | 3,455 |
| Net loans and leases to deposits | 57.2399% | 3,469 |
| Net loans and leases to core deposits | 58.9830% | 3,550 |
| Total domestic deposits to total assets | 86.6626% | 2,482 |
| Equity capital to assets | 9.1718% | 3,681 |
| Core capital (leverage) ratio | 9.0973% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,016,500 | 3,399 |
| Average earning assets | $145,479,250 | 3,457 |
| Average equity | $15,326,750 | 3,644 |
| Average total loans | $89,402,750 | 3,386 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4748% | 2,962 |
| Cost of funding earning assets | 0.4729% | 1,365 |
| Net interest margin | 3.0018% | 3,315 |
| Noninterest income to average assets | 0.4613% | 2,797 |
| Noninterest expense to average assets | 2.5173% | 2,085 |
| Loan and lease loss provision to assets | 0.0372% | 2,246 |
| Net operating income to assets | 0.5667% | 4,055 |
| Return on assets (ROA) | 0.5667% | 4,106 |
| Pretax return on assets | 0.5828% | 4,266 |
| Return on Equity (ROE) | 5.9766% | 3,905 |
| Retained earnings to average equity (ytd only) | 3.7664% | 3,595 |
| Net charge-offs to loans | 0.0483% | 1,142 |
| Credit loss provision to net charge-offs | 136.3636% | 1,201 |
| Earnings coverage of net charge-offs (x) | 22.7273% | 1,480 |
| Efficiency ratio | 80.2372% | 767 |
| Assets per employee ($millions) | 4.4865% | 4,111 |
| Cash dividends to net income (ytd only)* | 36.9803% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 4,058 |
| Loan loss allowance to noncurrent loans | 2,048.7805% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 2,799 |
| Noncurrent loans to loans | 0.0455% | 3,954 |
| Net loans and leases to total assets | 55.2516% | 2,989 |
| Net loans and leases to deposits | 64.1495% | 2,987 |
| Net loans and leases to core deposits | 66.3186% | 3,088 |
| Total domestic deposits to total assets | 86.1294% | 2,695 |
| Equity capital to assets | 9.5162% | 3,317 |
| Core capital (leverage) ratio | 9.1472% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,285,000 | 3,425 |
| Average earning assets | $143,779,333 | 3,479 |
| Average equity | $15,293,000 | 3,650 |
| Average total loans | $91,110,000 | 3,383 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4675% | 3,018 |
| Cost of funding earning assets | 0.4787% | 1,531 |
| Net interest margin | 2.9889% | 3,287 |
| Noninterest income to average assets | 0.5311% | 2,476 |
| Noninterest expense to average assets | 2.5513% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6081% | 3,920 |
| Return on assets (ROA) | 0.6081% | 3,984 |
| Pretax return on assets | 0.6453% | 4,118 |
| Return on Equity (ROE) | 6.4243% | 3,745 |
| Retained earnings to average equity (ytd only) | 3.9333% | 3,523 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8137% | 832 |
| Assets per employee ($millions) | 4.3360% | 4,249 |
| Cash dividends to net income (ytd only)* | 38.7755% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,077 |
| Loan loss allowance to noncurrent loans | 3,081.4815% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 3,091 |
| Noncurrent loans to loans | 0.0301% | 4,136 |
| Net loans and leases to total assets | 53.8488% | 3,259 |
| Net loans and leases to deposits | 62.2811% | 3,295 |
| Net loans and leases to core deposits | 63.9741% | 3,415 |
| Total domestic deposits to total assets | 86.4609% | 2,544 |
| Equity capital to assets | 9.2403% | 3,457 |
| Core capital (leverage) ratio | 9.1716% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,170,500 | 3,421 |
| Average earning assets | $143,734,000 | 3,477 |
| Average equity | $15,254,500 | 3,662 |
| Average total loans | $91,625,500 | 3,384 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 1,722 |
| Cost of funding earning assets | 0.6784% | 1,829 |
| Net interest margin | 3.6719% | 1,904 |
| Noninterest income to average assets | 0.4181% | 3,018 |
| Noninterest expense to average assets | 2.7862% | 1,977 |
| Loan and lease loss provision to assets | 0.0741% | 3,454 |
| Net operating income to assets | 0.7266% | 3,341 |
| Return on assets (ROA) | 0.7266% | 3,469 |
| Pretax return on assets | 0.8254% | 3,566 |
| Return on Equity (ROE) | 7.3997% | 3,032 |
| Retained earnings to average equity (ytd only) | 4.7269% | 2,403 |
| Net charge-offs to loans | -0.0122% | 4,308 |
| Credit loss provision to net charge-offs | -925.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5934% | 1,281 |
| Assets per employee ($millions) | 4.2588% | 4,166 |
| Cash dividends to net income (ytd only)* | 36.1213% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 3,037 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 58.9323% | 2,989 |
| Net loans and leases to deposits | 68.6331% | 3,018 |
| Net loans and leases to core deposits | 70.7714% | 3,199 |
| Total domestic deposits to total assets | 85.8657% | 2,419 |
| Equity capital to assets | 9.6996% | 3,409 |
| Core capital (leverage) ratio | 9.3385% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,740,200 | 3,409 |
| Average earning assets | $133,255,600 | 3,469 |
| Average equity | $14,703,200 | 3,677 |
| Average total loans | $98,362,200 | 3,255 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 1,447 |
| Cost of funding earning assets | 0.7193% | 1,910 |
| Net interest margin | 3.8320% | 1,529 |
| Noninterest income to average assets | 0.4267% | 2,951 |
| Noninterest expense to average assets | 2.7950% | 1,978 |
| Loan and lease loss provision to assets | 0.1001% | 3,068 |
| Net operating income to assets | 0.8544% | 2,891 |
| Return on assets (ROA) | 0.8544% | 3,019 |
| Pretax return on assets | 0.9392% | 3,266 |
| Return on Equity (ROE) | 8.6731% | 2,534 |
| Retained earnings to average equity (ytd only) | 5.9256% | 2,134 |
| Net charge-offs to loans | -0.0161% | 4,356 |
| Credit loss provision to net charge-offs | -925.0000% | 3,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8941% | 1,539 |
| Assets per employee ($millions) | 4.1697% | 4,169 |
| Cash dividends to net income (ytd only)* | 31.6790% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 4,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 3,194 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 59.9140% | 3,239 |
| Net loans and leases to deposits | 69.7353% | 3,334 |
| Net loans and leases to core deposits | 72.1960% | 3,456 |
| Total domestic deposits to total assets | 85.9164% | 2,103 |
| Equity capital to assets | 9.6190% | 3,583 |
| Core capital (leverage) ratio | 9.3591% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,781,750 | 3,419 |
| Average earning assets | $131,416,000 | 3,480 |
| Average equity | $14,558,000 | 3,694 |
| Average total loans | $99,529,250 | 3,246 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 1,349 |
| Cost of funding earning assets | 0.7503% | 2,119 |
| Net interest margin | 3.9746% | 1,391 |
| Noninterest income to average assets | 0.3703% | 3,258 |
| Noninterest expense to average assets | 2.9773% | 1,640 |
| Loan and lease loss provision to assets | 0.1331% | 2,679 |
| Net operating income to assets | 0.7821% | 3,100 |
| Return on assets (ROA) | 0.7821% | 3,219 |
| Pretax return on assets | 0.7932% | 3,608 |
| Return on Equity (ROE) | 7.8714% | 2,799 |
| Retained earnings to average equity (ytd only) | 4.9964% | 2,473 |
| Net charge-offs to loans | -0.0337% | 4,580 |
| Credit loss provision to net charge-offs | -564.7059% | 3,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2700% | 1,239 |
| Assets per employee ($millions) | 4.3057% | 3,992 |
| Cash dividends to net income (ytd only)* | 36.5248% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,229 |
| Loan loss allowance to noncurrent loans | 775.4717% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 3,087 |
| Noncurrent loans to loans | 0.1082% | 4,023 |
| Net loans and leases to total assets | 62.6954% | 3,051 |
| Net loans and leases to deposits | 73.1493% | 3,152 |
| Net loans and leases to core deposits | 75.7883% | 3,299 |
| Total domestic deposits to total assets | 85.7088% | 2,120 |
| Equity capital to assets | 9.6352% | 3,537 |
| Core capital (leverage) ratio | 9.5427% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,226,667 | 3,437 |
| Average earning assets | $128,213,667 | 3,496 |
| Average equity | $14,330,333 | 3,722 |
| Average total loans | $100,784,333 | 3,222 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7973% | 1,424 |
| Cost of funding earning assets | 0.7431% | 2,704 |
| Net interest margin | 4.0542% | 1,239 |
| Noninterest income to average assets | 0.3256% | 3,574 |
| Noninterest expense to average assets | 3.0395% | 1,785 |
| Loan and lease loss provision to assets | 0.1296% | 2,098 |
| Net operating income to assets | 0.7635% | 3,041 |
| Return on assets (ROA) | 0.7635% | 3,120 |
| Pretax return on assets | 0.9133% | 3,103 |
| Return on Equity (ROE) | 7.5563% | 2,712 |
| Retained earnings to average equity (ytd only) | 4.3342% | 2,562 |
| Net charge-offs to loans | -0.0666% | 4,717 |
| Credit loss provision to net charge-offs | -264.7059% | 3,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4531% | 1,754 |
| Assets per employee ($millions) | 3.8223% | 4,145 |
| Cash dividends to net income (ytd only)* | 42.6415% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 4,514 |
| Loan loss allowance to noncurrent loans | 2,028.9474% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 3,301 |
| Noncurrent loans to loans | 0.0371% | 4,411 |
| Net loans and leases to total assets | 71.8980% | 1,934 |
| Net loans and leases to deposits | 84.5215% | 2,167 |
| Net loans and leases to core deposits | 88.3698% | 2,492 |
| Total domestic deposits to total assets | 85.0648% | 2,392 |
| Equity capital to assets | 9.8449% | 3,925 |
| Core capital (leverage) ratio | 10.0031% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,837,500 | 3,469 |
| Average earning assets | $128,656,500 | 3,463 |
| Average equity | $14,028,000 | 3,768 |
| Average total loans | $102,175,000 | 3,194 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 1,969 |
| Cost of funding earning assets | 0.6233% | 3,539 |
| Net interest margin | 4.2014% | 1,320 |
| Noninterest income to average assets | 0.2850% | 3,979 |
| Noninterest expense to average assets | 3.0105% | 1,990 |
| Loan and lease loss provision to assets | 0.0038% | 3,927 |
| Net operating income to assets | 1.0502% | 2,654 |
| Return on assets (ROA) | 1.0502% | 2,750 |
| Pretax return on assets | 1.1483% | 3,015 |
| Return on Equity (ROE) | 10.3837% | 2,127 |
| Retained earnings to average equity (ytd only) | 8.1922% | 913 |
| Net charge-offs to loans | -0.0104% | 4,478 |
| Credit loss provision to net charge-offs | -50.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4363% | 1,954 |
| Assets per employee ($millions) | 3.5856% | 4,386 |
| Cash dividends to net income (ytd only)* | 21.1055% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6958% | 4,582 |
| Loan loss allowance to noncurrent loans | 1,969.4444% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 3,245 |
| Noncurrent loans to loans | 0.0353% | 4,422 |
| Net loans and leases to total assets | 74.2666% | 1,710 |
| Net loans and leases to deposits | 89.2721% | 1,667 |
| Net loans and leases to core deposits | 92.5199% | 2,199 |
| Total domestic deposits to total assets | 83.1913% | 3,141 |
| Equity capital to assets | 10.3728% | 3,571 |
| Core capital (leverage) ratio | 10.1827% | 3,320 |
| Tier 1 risk-based capital ratio | 12.3523% | 4,159 |
| Total risk-based capital ratio | 12.9857% | 4,384 |
| Memoranda: | ||
| Average total assets | $132,636,000 | 3,530 |
| Average earning assets | $122,410,200 | 3,529 |
| Average equity | $13,415,200 | 3,838 |
| Average total loans | $96,110,600 | 3,278 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 2,090 |
| Cost of funding earning assets | 0.5969% | 3,718 |
| Net interest margin | 4.2110% | 1,353 |
| Noninterest income to average assets | 0.3178% | 3,849 |
| Noninterest expense to average assets | 2.9028% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2156% | 2,141 |
| Return on assets (ROA) | 1.2156% | 2,216 |
| Pretax return on assets | 1.2925% | 2,693 |
| Return on Equity (ROE) | 12.0982% | 1,584 |
| Retained earnings to average equity (ytd only) | 10.0634% | 731 |
| Net charge-offs to loans | -0.0141% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0097% | 2,419 |
| Assets per employee ($millions) | 3.9555% | 3,958 |
| Cash dividends to net income (ytd only)* | 16.8196% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6956% | 4,671 |
| Loan loss allowance to noncurrent loans | 1,955.5556% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.3460% | 3,129 |
| Noncurrent loans to loans | 0.0356% | 4,502 |
| Net loans and leases to total assets | 72.5938% | 2,069 |
| Net loans and leases to deposits | 85.1105% | 2,308 |
| Net loans and leases to core deposits | 88.4832% | 2,684 |
| Total domestic deposits to total assets | 85.2936% | 2,302 |
| Equity capital to assets | 10.1175% | 3,896 |
| Core capital (leverage) ratio | 10.0170% | 3,627 |
| Tier 1 risk-based capital ratio | 12.3185% | 4,249 |
| Total risk-based capital ratio | 12.9503% | 4,473 |
| Memoranda: | ||
| Average total assets | $131,732,250 | 3,574 |
| Average earning assets | $121,299,000 | 3,584 |
| Average equity | $13,235,750 | 3,901 |
| Average total loans | $94,663,750 | 3,340 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 2,217 |
| Cost of funding earning assets | 0.5548% | 3,862 |
| Net interest margin | 4.1972% | 1,371 |
| Noninterest income to average assets | 0.3027% | 3,907 |
| Noninterest expense to average assets | 3.0271% | 1,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2217% | 2,067 |
| Return on assets (ROA) | 1.2217% | 2,123 |
| Pretax return on assets | 1.1429% | 3,105 |
| Return on Equity (ROE) | 12.1892% | 1,509 |
| Retained earnings to average equity (ytd only) | 10.5250% | 633 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7778% | 2,103 |
| Assets per employee ($millions) | 3.7967% | 4,133 |
| Cash dividends to net income (ytd only)* | 13.6536% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 4,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 3,200 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.8316% | 2,234 |
| Net loans and leases to deposits | 83.4458% | 2,552 |
| Net loans and leases to core deposits | 86.6587% | 2,913 |
| Total domestic deposits to total assets | 86.0817% | 1,984 |
| Equity capital to assets | 10.2255% | 3,775 |
| Core capital (leverage) ratio | 10.2616% | 3,320 |
| Tier 1 risk-based capital ratio | 12.5449% | 4,099 |
| Total risk-based capital ratio | 13.1942% | 4,333 |
| Memoranda: | ||
| Average total assets | $129,495,330 | 3,626 |
| Average earning assets | $119,318,000 | 3,629 |
| Average equity | $12,978,670 | 3,939 |
| Average total loans | $92,483,330 | 3,400 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 2,079 |
| Cost of funding earning assets | 0.4935% | 4,087 |
| Net interest margin | 4.2479% | 1,202 |
| Noninterest income to average assets | 0.2285% | 4,371 |
| Noninterest expense to average assets | 3.0266% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4679% | 1,186 |
| Return on assets (ROA) | 1.4679% | 1,213 |
| Pretax return on assets | 1.1080% | 3,124 |
| Return on Equity (ROE) | 14.8020% | 791 |
| Retained earnings to average equity (ytd only) | 12.8768% | 478 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3853% | 2,132 |
| Assets per employee ($millions) | 3.5151% | 4,545 |
| Cash dividends to net income (ytd only)* | 13.0064% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7426% | 4,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 2,737 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 71.3184% | 2,281 |
| Net loans and leases to deposits | 81.6349% | 2,646 |
| Net loans and leases to core deposits | 86.1900% | 2,851 |
| Total domestic deposits to total assets | 87.3627% | 1,632 |
| Equity capital to assets | 10.0401% | 3,790 |
| Core capital (leverage) ratio | 10.2706% | 3,308 |
| Tier 1 risk-based capital ratio | 12.5457% | 4,138 |
| Total risk-based capital ratio | 13.2099% | 4,374 |
| Memoranda: | ||
| Average total assets | $127,801,500 | 3,685 |
| Average earning assets | $117,517,000 | 3,689 |
| Average equity | $12,674,000 | 3,987 |
| Average total loans | $90,652,000 | 3,476 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 2,300 |
| Cost of funding earning assets | 0.3821% | 4,094 |
| Net interest margin | 4.1669% | 1,484 |
| Noninterest income to average assets | 0.3776% | 3,569 |
| Noninterest expense to average assets | 3.1281% | 1,731 |
| Loan and lease loss provision to assets | 0.1216% | 1,814 |
| Net operating income to assets | 0.8290% | 3,696 |
| Return on assets (ROA) | 0.8290% | 3,695 |
| Pretax return on assets | 0.9636% | 3,720 |
| Return on Equity (ROE) | 8.2814% | 3,330 |
| Retained earnings to average equity (ytd only) | -0.2267% | 5,013 |
| Net charge-offs to loans | 0.2502% | 769 |
| Credit loss provision to net charge-offs | 70.7547% | 2,980 |
| Earnings coverage of net charge-offs (x) | 6.3160% | 3,098 |
| Efficiency ratio | 72.6486% | 1,822 |
| Assets per employee ($millions) | 3.5870% | 4,461 |
| Cash dividends to net income (ytd only)* | 102.7370% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 4,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 2,527 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.4259% | 2,669 |
| Net loans and leases to deposits | 78.5714% | 3,100 |
| Net loans and leases to core deposits | 82.7675% | 3,200 |
| Total domestic deposits to total assets | 88.3603% | 1,131 |
| Equity capital to assets | 9.7894% | 3,871 |
| Core capital (leverage) ratio | 10.2048% | 3,350 |
| Tier 1 risk-based capital ratio | 12.9360% | 3,883 |
| Total risk-based capital ratio | 13.6442% | 4,072 |
| Memoranda: | ||
| Average total assets | $123,397,000 | 3,739 |
| Average earning assets | $113,587,000 | 3,745 |
| Average equity | $12,353,000 | 3,982 |
| Average total loans | $84,724,400 | 3,575 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 2,260 |
| Cost of funding earning assets | 0.3532% | 4,163 |
| Net interest margin | 4.1588% | 1,473 |
| Noninterest income to average assets | 0.3787% | 3,607 |
| Noninterest expense to average assets | 3.0191% | 1,961 |
| Loan and lease loss provision to assets | 0.0326% | 3,370 |
| Net operating income to assets | 1.0407% | 2,917 |
| Return on assets (ROA) | 1.0407% | 2,925 |
| Pretax return on assets | 1.1601% | 3,162 |
| Return on Equity (ROE) | 10.3376% | 2,462 |
| Retained earnings to average equity (ytd only) | -0.4958% | 5,095 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0593% | 2,179 |
| Assets per employee ($millions) | 3.4523% | 4,619 |
| Cash dividends to net income (ytd only)* | 104.7973% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 4,246 |
| Loan loss allowance to noncurrent loans | 141.8773% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 2,138 |
| Noncurrent loans to loans | 0.6372% | 2,490 |
| Net loans and leases to total assets | 69.3227% | 2,753 |
| Net loans and leases to deposits | 79.3554% | 3,107 |
| Net loans and leases to core deposits | 83.2346% | 3,221 |
| Total domestic deposits to total assets | 87.3572% | 1,570 |
| Equity capital to assets | 9.6593% | 3,949 |
| Core capital (leverage) ratio | 10.2441% | 3,353 |
| Tier 1 risk-based capital ratio | 13.0005% | 3,905 |
| Total risk-based capital ratio | 13.8091% | 4,061 |
| Memoranda: | ||
| Average total assets | $122,860,250 | 3,786 |
| Average earning assets | $113,234,750 | 3,796 |
| Average equity | $12,368,750 | 4,008 |
| Average total loans | $83,942,000 | 3,628 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 2,192 |
| Cost of funding earning assets | 0.3246% | 4,241 |
| Net interest margin | 4.1421% | 1,438 |
| Noninterest income to average assets | 0.3791% | 3,627 |
| Noninterest expense to average assets | 3.0412% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1341% | 2,461 |
| Return on assets (ROA) | 1.1341% | 2,470 |
| Pretax return on assets | 1.1537% | 3,120 |
| Return on Equity (ROE) | 11.1129% | 2,061 |
| Retained earnings to average equity (ytd only) | 3.7790% | 3,710 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8609% | 2,183 |
| Assets per employee ($millions) | 3.3383% | 4,776 |
| Cash dividends to net income (ytd only)* | 65.9942% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 4,295 |
| Loan loss allowance to noncurrent loans | 18,900.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 3,594 |
| Noncurrent loans to loans | 0.0048% | 4,945 |
| Net loans and leases to total assets | 68.4978% | 2,793 |
| Net loans and leases to deposits | 77.7462% | 3,179 |
| Net loans and leases to core deposits | 81.1394% | 3,309 |
| Total domestic deposits to total assets | 88.1044% | 1,320 |
| Equity capital to assets | 10.3587% | 3,269 |
| Core capital (leverage) ratio | 10.6751% | 2,842 |
| Tier 1 risk-based capital ratio | 13.8185% | 3,455 |
| Total risk-based capital ratio | 14.6284% | 3,611 |
| Memoranda: | ||
| Average total assets | $122,385,670 | 3,822 |
| Average earning assets | $112,744,330 | 3,834 |
| Average equity | $12,490,000 | 4,011 |
| Average total loans | $82,941,670 | 3,662 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3851% | 2,246 |
| Cost of funding earning assets | 0.3160% | 4,228 |
| Net interest margin | 4.0691% | 1,518 |
| Noninterest income to average assets | 0.3952% | 3,505 |
| Noninterest expense to average assets | 3.0157% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2665% | 1,761 |
| Return on assets (ROA) | 1.2665% | 1,767 |
| Pretax return on assets | 1.1337% | 3,033 |
| Return on Equity (ROE) | 12.5015% | 1,409 |
| Retained earnings to average equity (ytd only) | 5.3395% | 3,020 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0383% | 2,329 |
| Assets per employee ($millions) | 3.4471% | 4,736 |
| Cash dividends to net income (ytd only)* | 57.2890% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 4,422 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 2,928 |
| Noncurrent loans to loans | 0.0108% | 4,962 |
| Net loans and leases to total assets | 66.5971% | 2,952 |
| Net loans and leases to deposits | 75.0247% | 3,315 |
| Net loans and leases to core deposits | 78.1580% | 3,481 |
| Total domestic deposits to total assets | 88.7669% | 1,225 |
| Equity capital to assets | 10.0139% | 3,577 |
| Core capital (leverage) ratio | 10.4520% | 3,006 |
| Tier 1 risk-based capital ratio | 13.6098% | 3,595 |
| Total risk-based capital ratio | 14.4131% | 3,771 |
| Memoranda: | ||
| Average total assets | $123,489,000 | 3,838 |
| Average earning assets | $113,932,500 | 3,849 |
| Average equity | $12,510,500 | 4,045 |
| Average total loans | $82,874,500 | 3,693 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 2,372 |
| Cost of funding earning assets | 0.3427% | 3,774 |
| Net interest margin | 3.9449% | 1,935 |
| Noninterest income to average assets | 0.3733% | 3,797 |
| Noninterest expense to average assets | 3.0503% | 2,009 |
| Loan and lease loss provision to assets | 0.0282% | 3,713 |
| Net operating income to assets | 0.3790% | 4,757 |
| Return on assets (ROA) | 0.3790% | 4,770 |
| Pretax return on assets | 0.8883% | 3,953 |
| Return on Equity (ROE) | 3.6760% | 4,614 |
| Retained earnings to average equity (ytd only) | -1.7951% | 5,266 |
| Net charge-offs to loans | 0.2106% | 1,236 |
| Credit loss provision to net charge-offs | 20.3488% | 3,604 |
| Earnings coverage of net charge-offs (x) | 6.6221% | 3,160 |
| Efficiency ratio | 75.1724% | 1,740 |
| Assets per employee ($millions) | 3.5109% | 4,682 |
| Cash dividends to net income (ytd only)* | 148.8323% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 4,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,371 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 66.3992% | 3,046 |
| Net loans and leases to deposits | 75.0044% | 3,430 |
| Net loans and leases to core deposits | 78.5974% | 3,538 |
| Total domestic deposits to total assets | 88.5271% | 1,238 |
| Equity capital to assets | 10.2489% | 3,435 |
| Core capital (leverage) ratio | 10.0166% | 3,437 |
| Tier 1 risk-based capital ratio | 13.4718% | 3,645 |
| Total risk-based capital ratio | 14.2789% | 3,789 |
| Memoranda: | ||
| Average total assets | $124,281,800 | 3,834 |
| Average earning assets | $113,208,600 | 3,860 |
| Average equity | $12,812,800 | 4,011 |
| Average total loans | $81,671,400 | 3,715 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,420 |
| Cost of funding earning assets | 0.3486% | 3,684 |
| Net interest margin | 3.9044% | 2,025 |
| Noninterest income to average assets | 0.4301% | 3,474 |
| Noninterest expense to average assets | 3.0628% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5916% | 4,418 |
| Return on assets (ROA) | 0.5916% | 4,458 |
| Pretax return on assets | 0.9136% | 3,991 |
| Return on Equity (ROE) | 5.7300% | 4,233 |
| Retained earnings to average equity (ytd only) | 0.3109% | 5,147 |
| Net charge-offs to loans | 0.2814% | 771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.9651% | 3,164 |
| Efficiency ratio | 75.3027% | 1,692 |
| Assets per employee ($millions) | 3.7556% | 4,365 |
| Cash dividends to net income (ytd only)* | 94.5762% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 4,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5474% | 2,882 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.6299% | 3,467 |
| Net loans and leases to deposits | 71.8509% | 3,789 |
| Net loans and leases to core deposits | 75.1227% | 3,879 |
| Total domestic deposits to total assets | 88.5582% | 1,096 |
| Equity capital to assets | 10.2616% | 3,625 |
| Core capital (leverage) ratio | 10.3872% | 3,100 |
| Tier 1 risk-based capital ratio | 13.7213% | 3,568 |
| Total risk-based capital ratio | 14.4904% | 3,774 |
| Memoranda: | ||
| Average total assets | $124,632,000 | 3,870 |
| Average earning assets | $113,202,250 | 3,898 |
| Average equity | $12,867,500 | 4,041 |
| Average total loans | $81,502,250 | 3,738 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,248 |
| Cost of funding earning assets | 0.3561% | 3,518 |
| Net interest margin | 3.9049% | 1,911 |
| Noninterest income to average assets | 0.4546% | 3,321 |
| Noninterest expense to average assets | 3.1858% | 1,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5372% | 4,584 |
| Return on assets (ROA) | 0.5372% | 4,621 |
| Pretax return on assets | 0.7993% | 4,281 |
| Return on Equity (ROE) | 5.1920% | 4,397 |
| Retained earnings to average equity (ytd only) | -0.2189% | 5,109 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1973% | 1,434 |
| Assets per employee ($millions) | 3.3782% | 4,893 |
| Cash dividends to net income (ytd only)* | 104.2169% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,620 |
| Loan loss allowance to noncurrent loans | 457.9487% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 2,050 |
| Noncurrent loans to loans | 0.2388% | 4,172 |
| Net loans and leases to total assets | 66.4164% | 3,043 |
| Net loans and leases to deposits | 75.5156% | 3,401 |
| Net loans and leases to core deposits | 79.3690% | 3,473 |
| Total domestic deposits to total assets | 87.9506% | 1,479 |
| Equity capital to assets | 10.7749% | 3,053 |
| Core capital (leverage) ratio | 10.5125% | 2,896 |
| Tier 1 risk-based capital ratio | 13.8060% | 3,532 |
| Total risk-based capital ratio | 14.7690% | 3,607 |
| Memoranda: | ||
| Average total assets | $123,612,670 | 3,902 |
| Average earning assets | $111,756,670 | 3,946 |
| Average equity | $12,789,000 | 4,068 |
| Average total loans | $81,346,330 | 3,759 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 2,180 |
| Cost of funding earning assets | 0.3567% | 3,459 |
| Net interest margin | 3.8701% | 1,887 |
| Noninterest income to average assets | 0.5136% | 2,886 |
| Noninterest expense to average assets | 3.2389% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4333% | 4,847 |
| Return on assets (ROA) | 0.4333% | 4,867 |
| Pretax return on assets | 0.7576% | 4,264 |
| Return on Equity (ROE) | 4.2750% | 4,681 |
| Retained earnings to average equity (ytd only) | -1.2033% | 5,095 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3574% | 1,448 |
| Assets per employee ($millions) | 3.2874% | 5,056 |
| Cash dividends to net income (ytd only)* | 128.1481% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 3,537 |
| Loan loss allowance to noncurrent loans | 288.0645% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9510% | 1,932 |
| Noncurrent loans to loans | 0.3911% | 3,703 |
| Net loans and leases to total assets | 62.7300% | 3,439 |
| Net loans and leases to deposits | 70.8962% | 3,705 |
| Net loans and leases to core deposits | 74.1919% | 3,814 |
| Total domestic deposits to total assets | 88.4815% | 1,437 |
| Equity capital to assets | 10.1656% | 3,550 |
| Core capital (leverage) ratio | 10.2024% | 3,236 |
| Tier 1 risk-based capital ratio | 13.9121% | 3,534 |
| Total risk-based capital ratio | 14.8856% | 3,602 |
| Memoranda: | ||
| Average total assets | $124,611,000 | 3,924 |
| Average earning assets | $112,142,500 | 3,977 |
| Average equity | $12,631,500 | 4,117 |
| Average total loans | $81,186,500 | 3,792 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 1,418 |
| Cost of funding earning assets | 0.3618% | 3,395 |
| Net interest margin | 4.1820% | 1,159 |
| Noninterest income to average assets | 0.4592% | 3,484 |
| Noninterest expense to average assets | 3.1675% | 1,865 |
| Loan and lease loss provision to assets | 0.1772% | 1,363 |
| Net operating income to assets | 0.5790% | 4,302 |
| Return on assets (ROA) | 0.6010% | 4,310 |
| Pretax return on assets | 0.8805% | 3,910 |
| Return on Equity (ROE) | 5.7262% | 4,107 |
| Retained earnings to average equity (ytd only) | 1.5659% | 4,632 |
| Net charge-offs to loans | 0.1941% | 1,427 |
| Credit loss provision to net charge-offs | 135.8025% | 1,999 |
| Earnings coverage of net charge-offs (x) | 7.8580% | 2,959 |
| Efficiency ratio | 73.8905% | 2,302 |
| Assets per employee ($millions) | 3.1075% | 5,254 |
| Cash dividends to net income (ytd only)* | 72.6542% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,862 |
| Loan loss allowance to noncurrent loans | 295.6954% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.9493% | 1,999 |
| Noncurrent loans to loans | 0.3633% | 3,823 |
| Net loans and leases to total assets | 66.1491% | 3,053 |
| Net loans and leases to deposits | 74.5843% | 3,458 |
| Net loans and leases to core deposits | 77.8150% | 3,583 |
| Total domestic deposits to total assets | 88.6904% | 1,273 |
| Equity capital to assets | 10.1077% | 3,599 |
| Core capital (leverage) ratio | 10.2799% | 3,132 |
| Tier 1 risk-based capital ratio | 13.7262% | 3,629 |
| Total risk-based capital ratio | 14.6818% | 3,712 |
| Memoranda: | ||
| Average total assets | $124,135,400 | 3,924 |
| Average earning assets | $110,831,600 | 3,994 |
| Average equity | $13,027,800 | 4,084 |
| Average total loans | $83,449,600 | 3,728 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 1,791 |
| Cost of funding earning assets | 0.3577% | 3,457 |
| Net interest margin | 4.0632% | 1,491 |
| Noninterest income to average assets | 0.4577% | 3,502 |
| Noninterest expense to average assets | 3.1201% | 1,979 |
| Loan and lease loss provision to assets | 0.1074% | 2,135 |
| Net operating income to assets | 0.6462% | 4,101 |
| Return on assets (ROA) | 0.6780% | 4,099 |
| Pretax return on assets | 0.9100% | 3,946 |
| Return on Equity (ROE) | 6.4008% | 3,880 |
| Retained earnings to average equity (ytd only) | 2.3027% | 4,544 |
| Net charge-offs to loans | 0.0096% | 3,593 |
| Credit loss provision to net charge-offs | 1,666.6667% | 281 |
| Earnings coverage of net charge-offs (x) | 151.1625% | 459 |
| Efficiency ratio | 74.5211% | 2,187 |
| Assets per employee ($millions) | 3.3383% | 4,997 |
| Cash dividends to net income (ytd only)* | 64.0252% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,713 |
| Loan loss allowance to noncurrent loans | 47.0142% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 2.0945% | 726 |
| Noncurrent loans to loans | 2.3899% | 759 |
| Net loans and leases to total assets | 64.4455% | 3,339 |
| Net loans and leases to deposits | 72.9801% | 3,705 |
| Net loans and leases to core deposits | 76.1180% | 3,823 |
| Total domestic deposits to total assets | 88.3056% | 1,236 |
| Equity capital to assets | 10.5986% | 3,455 |
| Core capital (leverage) ratio | 10.3384% | 3,174 |
| Tier 1 risk-based capital ratio | 13.4576% | 3,886 |
| Total risk-based capital ratio | 14.4316% | 3,952 |
| Memoranda: | ||
| Average total assets | $124,094,000 | 3,945 |
| Average earning assets | $111,076,500 | 4,012 |
| Average equity | $13,143,750 | 4,103 |
| Average total loans | $83,532,750 | 3,740 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 1,795 |
| Cost of funding earning assets | 0.3547% | 3,517 |
| Net interest margin | 4.0569% | 1,489 |
| Noninterest income to average assets | 0.4644% | 3,433 |
| Noninterest expense to average assets | 3.1939% | 1,822 |
| Loan and lease loss provision to assets | 0.1624% | 1,394 |
| Net operating income to assets | 0.6446% | 4,072 |
| Return on assets (ROA) | 0.6446% | 4,213 |
| Pretax return on assets | 0.7664% | 4,405 |
| Return on Equity (ROE) | 6.0874% | 4,007 |
| Retained earnings to average equity (ytd only) | 2.0087% | 4,558 |
| Net charge-offs to loans | 0.0143% | 3,254 |
| Credit loss provision to net charge-offs | 1,666.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 95.3333% | 607 |
| Efficiency ratio | 75.7779% | 2,112 |
| Assets per employee ($millions) | 3.1527% | 5,266 |
| Cash dividends to net income (ytd only)* | 67.0025% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 3,879 |
| Loan loss allowance to noncurrent loans | 58.4277% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 1.8568% | 912 |
| Noncurrent loans to loans | 1.9039% | 1,061 |
| Net loans and leases to total assets | 67.1658% | 2,918 |
| Net loans and leases to deposits | 76.2891% | 3,348 |
| Net loans and leases to core deposits | 79.6726% | 3,493 |
| Total domestic deposits to total assets | 88.0411% | 1,416 |
| Equity capital to assets | 10.8081% | 3,276 |
| Core capital (leverage) ratio | 10.4046% | 3,077 |
| Tier 1 risk-based capital ratio | 13.3981% | 3,968 |
| Total risk-based capital ratio | 14.3761% | 4,046 |
| Memoranda: | ||
| Average total assets | $123,173,330 | 3,992 |
| Average earning assets | $111,071,000 | 4,038 |
| Average equity | $13,043,330 | 4,147 |
| Average total loans | $83,816,330 | 3,751 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 1,675 |
| Cost of funding earning assets | 0.3528% | 3,574 |
| Net interest margin | 4.0897% | 1,369 |
| Noninterest income to average assets | 0.3764% | 4,019 |
| Noninterest expense to average assets | 3.1732% | 1,897 |
| Loan and lease loss provision to assets | 0.1622% | 1,278 |
| Net operating income to assets | 0.4899% | 4,669 |
| Return on assets (ROA) | 0.4899% | 4,771 |
| Pretax return on assets | 0.7268% | 4,425 |
| Return on Equity (ROE) | 4.6747% | 4,639 |
| Retained earnings to average equity (ytd only) | 0.5573% | 4,979 |
| Net charge-offs to loans | 0.0429% | 2,145 |
| Credit loss provision to net charge-offs | 555.5556% | 559 |
| Earnings coverage of net charge-offs (x) | 30.4444% | 1,174 |
| Efficiency ratio | 76.4377% | 2,114 |
| Assets per employee ($millions) | 3.1042% | 5,395 |
| Cash dividends to net income (ytd only)* | 88.0795% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 4,419 |
| Loan loss allowance to noncurrent loans | 54.2751% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.7218% | 1,113 |
| Noncurrent loans to loans | 1.9064% | 1,149 |
| Net loans and leases to total assets | 67.4766% | 2,733 |
| Net loans and leases to deposits | 76.3772% | 3,177 |
| Net loans and leases to core deposits | 79.6526% | 3,352 |
| Total domestic deposits to total assets | 88.3465% | 1,438 |
| Equity capital to assets | 10.4913% | 3,508 |
| Core capital (leverage) ratio | 10.3098% | 3,183 |
| Tier 1 risk-based capital ratio | 13.2318% | 4,131 |
| Total risk-based capital ratio | 14.1516% | 4,237 |
| Memoranda: | ||
| Average total assets | $123,283,000 | 4,021 |
| Average earning assets | $111,109,000 | 4,070 |
| Average equity | $12,920,500 | 4,175 |
| Average total loans | $83,968,500 | 3,756 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 1,969 |
| Cost of funding earning assets | 0.3770% | 3,405 |
| Net interest margin | 4.0027% | 1,709 |
| Noninterest income to average assets | 0.3549% | 4,365 |
| Noninterest expense to average assets | 3.0810% | 2,296 |
| Loan and lease loss provision to assets | 0.0988% | 2,336 |
| Net operating income to assets | 0.5467% | 4,513 |
| Return on assets (ROA) | 0.5467% | 4,607 |
| Pretax return on assets | 0.7855% | 4,236 |
| Return on Equity (ROE) | 5.4188% | 4,323 |
| Retained earnings to average equity (ytd only) | 1.1507% | 5,051 |
| Net charge-offs to loans | 0.1838% | 1,566 |
| Credit loss provision to net charge-offs | 79.4702% | 2,961 |
| Earnings coverage of net charge-offs (x) | 7.1126% | 3,116 |
| Efficiency ratio | 75.9136% | 2,287 |
| Assets per employee ($millions) | 3.2210% | 5,271 |
| Cash dividends to net income (ytd only)* | 78.7651% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 4,595 |
| Loan loss allowance to noncurrent loans | 52.4168% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.7419% | 1,099 |
| Noncurrent loans to loans | 1.9129% | 1,114 |
| Net loans and leases to total assets | 67.3554% | 2,810 |
| Net loans and leases to deposits | 76.1777% | 3,228 |
| Net loans and leases to core deposits | 79.2801% | 3,418 |
| Total domestic deposits to total assets | 88.4188% | 1,421 |
| Equity capital to assets | 10.4692% | 3,396 |
| Core capital (leverage) ratio | 10.3189% | 3,137 |
| Tier 1 risk-based capital ratio | 13.5027% | 4,005 |
| Total risk-based capital ratio | 14.3954% | 4,128 |
| Memoranda: | ||
| Average total assets | $121,455,600 | 4,044 |
| Average earning assets | $109,550,200 | 4,072 |
| Average equity | $12,253,600 | 4,257 |
| Average total loans | $82,150,600 | 3,767 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,102 |
| Cost of funding earning assets | 0.3840% | 3,393 |
| Net interest margin | 3.9579% | 1,848 |
| Noninterest income to average assets | 0.4444% | 3,757 |
| Noninterest expense to average assets | 3.0896% | 2,247 |
| Loan and lease loss provision to assets | 0.0990% | 2,201 |
| Net operating income to assets | 0.5983% | 4,393 |
| Return on assets (ROA) | 0.5983% | 4,495 |
| Pretax return on assets | 0.8271% | 4,254 |
| Return on Equity (ROE) | 5.9877% | 4,159 |
| Retained earnings to average equity (ytd only) | 1.5409% | 5,095 |
| Net charge-offs to loans | 0.0033% | 4,071 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 420.4644% | 178 |
| Efficiency ratio | 75.1849% | 2,372 |
| Assets per employee ($millions) | 3.3471% | 5,067 |
| Cash dividends to net income (ytd only)* | 74.2638% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 3,914 |
| Loan loss allowance to noncurrent loans | 31.7049% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 2.9674% | 518 |
| Noncurrent loans to loans | 3.6326% | 412 |
| Net loans and leases to total assets | 66.1154% | 2,990 |
| Net loans and leases to deposits | 74.2716% | 3,518 |
| Net loans and leases to core deposits | 77.6320% | 3,641 |
| Total domestic deposits to total assets | 89.0184% | 1,019 |
| Equity capital to assets | 9.8794% | 4,304 |
| Core capital (leverage) ratio | 9.8689% | 3,812 |
| Tier 1 risk-based capital ratio | 12.8718% | 4,508 |
| Total risk-based capital ratio | 13.8917% | 4,562 |
| Memoranda: | ||
| Average total assets | $121,220,250 | 4,096 |
| Average earning assets | $109,381,750 | 4,124 |
| Average equity | $12,113,500 | 4,336 |
| Average total loans | $81,869,250 | 3,808 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,059 |
| Cost of funding earning assets | 0.3911% | 3,363 |
| Net interest margin | 3.9463% | 1,827 |
| Noninterest income to average assets | 0.4487% | 3,719 |
| Noninterest expense to average assets | 3.0844% | 2,290 |
| Loan and lease loss provision to assets | 0.0997% | 2,160 |
| Net operating income to assets | 0.6714% | 4,025 |
| Return on assets (ROA) | 0.6714% | 4,136 |
| Pretax return on assets | 0.8359% | 4,182 |
| Return on Equity (ROE) | 6.6926% | 3,792 |
| Retained earnings to average equity (ytd only) | 2.0542% | 4,671 |
| Net charge-offs to loans | 0.0172% | 3,365 |
| Credit loss provision to net charge-offs | 857.1429% | 406 |
| Earnings coverage of net charge-offs (x) | 80.4286% | 703 |
| Efficiency ratio | 74.9483% | 2,545 |
| Assets per employee ($millions) | 3.2649% | 5,222 |
| Cash dividends to net income (ytd only)* | 69.3069% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 4,148 |
| Loan loss allowance to noncurrent loans | 36.8632% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 2.7693% | 639 |
| Noncurrent loans to loans | 3.0855% | 633 |
| Net loans and leases to total assets | 67.9607% | 2,649 |
| Net loans and leases to deposits | 77.1830% | 3,135 |
| Net loans and leases to core deposits | 80.3240% | 3,356 |
| Total domestic deposits to total assets | 88.0514% | 1,626 |
| Equity capital to assets | 10.1423% | 3,880 |
| Core capital (leverage) ratio | 10.0734% | 3,500 |
| Tier 1 risk-based capital ratio | 13.1390% | 4,431 |
| Total risk-based capital ratio | 14.1439% | 4,495 |
| Memoranda: | ||
| Average total assets | $120,345,670 | 4,149 |
| Average earning assets | $108,912,670 | 4,172 |
| Average equity | $12,073,000 | 4,368 |
| Average total loans | $81,547,670 | 3,835 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 1,955 |
| Cost of funding earning assets | 0.3977% | 3,331 |
| Net interest margin | 3.9480% | 1,720 |
| Noninterest income to average assets | 0.4041% | 3,973 |
| Noninterest expense to average assets | 3.0456% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7294% | 3,647 |
| Return on assets (ROA) | 0.7294% | 3,783 |
| Pretax return on assets | 0.9133% | 3,841 |
| Return on Equity (ROE) | 7.3092% | 3,327 |
| Retained earnings to average equity (ytd only) | 1.8108% | 4,743 |
| Net charge-offs to loans | 0.0342% | 2,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 39.7143% | 978 |
| Efficiency ratio | 75.1867% | 2,636 |
| Assets per employee ($millions) | 3.3120% | 5,220 |
| Cash dividends to net income (ytd only)* | 75.2252% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 4,750 |
| Loan loss allowance to noncurrent loans | 26.4878% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 3.2690% | 536 |
| Noncurrent loans to loans | 3.9721% | 445 |
| Net loans and leases to total assets | 65.9227% | 2,788 |
| Net loans and leases to deposits | 74.2045% | 3,286 |
| Net loans and leases to core deposits | 77.3417% | 3,441 |
| Total domestic deposits to total assets | 88.8392% | 1,371 |
| Equity capital to assets | 9.9661% | 4,185 |
| Core capital (leverage) ratio | 9.7379% | 3,973 |
| Tier 1 risk-based capital ratio | 12.7352% | 4,767 |
| Total risk-based capital ratio | 13.6516% | 4,884 |
| Memoranda: | ||
| Average total assets | $121,750,000 | 4,155 |
| Average earning assets | $109,624,500 | 4,187 |
| Average equity | $12,149,000 | 4,389 |
| Average total loans | $81,922,500 | 3,831 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 2,152 |
| Cost of funding earning assets | 0.4363% | 3,321 |
| Net interest margin | 3.9861% | 1,932 |
| Noninterest income to average assets | 0.3722% | 4,408 |
| Noninterest expense to average assets | 3.1220% | 2,443 |
| Loan and lease loss provision to assets | 0.0786% | 2,912 |
| Net operating income to assets | 0.6143% | 4,302 |
| Return on assets (ROA) | 0.6385% | 4,299 |
| Pretax return on assets | 0.7906% | 4,293 |
| Return on Equity (ROE) | 6.7195% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.4545% | 4,481 |
| Net charge-offs to loans | 0.1967% | 2,091 |
| Credit loss provision to net charge-offs | 60.1266% | 3,284 |
| Earnings coverage of net charge-offs (x) | 6.4241% | 3,205 |
| Efficiency ratio | 77.0146% | 2,348 |
| Assets per employee ($millions) | 3.2691% | 5,318 |
| Cash dividends to net income (ytd only)* | 63.4715% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 4,798 |
| Loan loss allowance to noncurrent loans | 62.5271% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.7709% | 1,483 |
| Noncurrent loans to loans | 1.6849% | 1,735 |
| Net loans and leases to total assets | 67.2440% | 2,687 |
| Net loans and leases to deposits | 75.6147% | 3,241 |
| Net loans and leases to core deposits | 78.6316% | 3,451 |
| Total domestic deposits to total assets | 88.9298% | 1,273 |
| Equity capital to assets | 9.9913% | 4,124 |
| Core capital (leverage) ratio | 9.5868% | 4,122 |
| Tier 1 risk-based capital ratio | 12.6786% | 4,931 |
| Total risk-based capital ratio | 13.6218% | 5,035 |
| Memoranda: | ||
| Average total assets | $120,915,800 | 4,159 |
| Average earning assets | $108,879,400 | 4,209 |
| Average equity | $11,489,000 | 4,459 |
| Average total loans | $80,334,800 | 3,870 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4033% | 2,208 |
| Cost of funding earning assets | 0.4395% | 3,372 |
| Net interest margin | 3.9638% | 1,983 |
| Noninterest income to average assets | 0.4202% | 4,095 |
| Noninterest expense to average assets | 3.0789% | 2,530 |
| Loan and lease loss provision to assets | 0.0496% | 3,391 |
| Net operating income to assets | 0.6473% | 4,227 |
| Return on assets (ROA) | 0.6771% | 4,151 |
| Pretax return on assets | 0.9021% | 3,973 |
| Return on Equity (ROE) | 7.2191% | 3,596 |
| Retained earnings to average equity (ytd only) | 2.6807% | 4,682 |
| Net charge-offs to loans | 0.2103% | 1,789 |
| Credit loss provision to net charge-offs | 35.7143% | 3,358 |
| Earnings coverage of net charge-offs (x) | 6.5633% | 3,061 |
| Efficiency ratio | 75.3799% | 2,600 |
| Assets per employee ($millions) | 3.1418% | 5,527 |
| Cash dividends to net income (ytd only)* | 62.8657% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 5,043 |
| Loan loss allowance to noncurrent loans | 53.7730% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.6918% | 1,786 |
| Noncurrent loans to loans | 1.9269% | 1,663 |
| Net loans and leases to total assets | 66.1016% | 2,853 |
| Net loans and leases to deposits | 73.9437% | 3,435 |
| Net loans and leases to core deposits | 77.0244% | 3,635 |
| Total domestic deposits to total assets | 89.3945% | 1,030 |
| Equity capital to assets | 9.5772% | 4,701 |
| Core capital (leverage) ratio | 9.6548% | 4,145 |
| Tier 1 risk-based capital ratio | 12.6460% | 5,066 |
| Total risk-based capital ratio | 13.5732% | 5,209 |
| Memoranda: | ||
| Average total assets | $120,906,000 | 4,199 |
| Average earning assets | $108,916,750 | 4,247 |
| Average equity | $11,340,000 | 4,518 |
| Average total loans | $79,868,250 | 3,907 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 2,326 |
| Cost of funding earning assets | 0.4512% | 3,318 |
| Net interest margin | 3.9101% | 2,119 |
| Noninterest income to average assets | 0.4038% | 4,214 |
| Noninterest expense to average assets | 3.0923% | 2,532 |
| Loan and lease loss provision to assets | 0.0100% | 4,038 |
| Net operating income to assets | 0.6372% | 4,167 |
| Return on assets (ROA) | 0.6447% | 4,227 |
| Pretax return on assets | 0.8541% | 4,061 |
| Return on Equity (ROE) | 6.9234% | 3,661 |
| Retained earnings to average equity (ytd only) | 2.3375% | 4,714 |
| Net charge-offs to loans | 0.2070% | 1,781 |
| Credit loss provision to net charge-offs | 7.3171% | 3,334 |
| Earnings coverage of net charge-offs (x) | 6.2683% | 2,797 |
| Efficiency ratio | 76.5474% | 2,533 |
| Assets per employee ($millions) | 3.2311% | 5,373 |
| Cash dividends to net income (ytd only)* | 66.2371% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 5,099 |
| Loan loss allowance to noncurrent loans | 146.5636% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9469% | 3,170 |
| Noncurrent loans to loans | 0.7190% | 3,905 |
| Net loans and leases to total assets | 66.9996% | 2,577 |
| Net loans and leases to deposits | 76.3704% | 3,010 |
| Net loans and leases to core deposits | 79.4852% | 3,264 |
| Total domestic deposits to total assets | 87.7298% | 2,070 |
| Equity capital to assets | 9.7215% | 4,459 |
| Core capital (leverage) ratio | 9.6337% | 4,133 |
| Tier 1 risk-based capital ratio | 12.7070% | 5,082 |
| Total risk-based capital ratio | 13.6539% | 5,216 |
| Memoranda: | ||
| Average total assets | $120,364,330 | 4,230 |
| Average earning assets | $109,050,000 | 4,265 |
| Average equity | $11,208,330 | 4,552 |
| Average total loans | $79,210,000 | 3,930 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 2,400 |
| Cost of funding earning assets | 0.4622% | 3,289 |
| Net interest margin | 3.8699% | 2,194 |
| Noninterest income to average assets | 0.4074% | 4,119 |
| Noninterest expense to average assets | 3.1034% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5001% | 4,688 |
| Return on assets (ROA) | 0.5001% | 4,770 |
| Pretax return on assets | 0.7982% | 4,123 |
| Return on Equity (ROE) | 5.4902% | 4,281 |
| Retained earnings to average equity (ytd only) | 0.4727% | 5,392 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7589% | 2,509 |
| Assets per employee ($millions) | 3.2784% | 5,386 |
| Cash dividends to net income (ytd only)* | 91.3907% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 4,656 |
| Loan loss allowance to noncurrent loans | 310.7023% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 3,838 |
| Noncurrent loans to loans | 0.3846% | 4,970 |
| Net loans and leases to total assets | 63.3328% | 3,008 |
| Net loans and leases to deposits | 70.6429% | 3,523 |
| Net loans and leases to core deposits | 73.5984% | 3,688 |
| Total domestic deposits to total assets | 89.6520% | 1,277 |
| Equity capital to assets | 9.2573% | 4,803 |
| Core capital (leverage) ratio | 9.3906% | 4,433 |
| Tier 1 risk-based capital ratio | 12.7978% | 5,122 |
| Total risk-based capital ratio | 13.8493% | 5,196 |
| Memoranda: | ||
| Average total assets | $120,771,500 | 4,259 |
| Average earning assets | $109,048,000 | 4,296 |
| Average equity | $11,001,500 | 4,614 |
| Average total loans | $78,339,500 | 3,988 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,856 |
| Cost of funding earning assets | 0.5306% | 3,280 |
| Net interest margin | 3.7963% | 2,673 |
| Noninterest income to average assets | 0.4712% | 3,954 |
| Noninterest expense to average assets | 2.9555% | 3,180 |
| Loan and lease loss provision to assets | 0.2659% | 1,327 |
| Net operating income to assets | 0.6560% | 4,005 |
| Return on assets (ROA) | 0.6929% | 3,922 |
| Pretax return on assets | 0.6929% | 4,570 |
| Return on Equity (ROE) | 7.4544% | 3,321 |
| Retained earnings to average equity (ytd only) | 1.2497% | 5,268 |
| Net charge-offs to loans | 0.4545% | 1,456 |
| Credit loss provision to net charge-offs | 92.5926% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.2108% | 3,926 |
| Efficiency ratio | 74.4093% | 3,060 |
| Assets per employee ($millions) | 3.0832% | 5,705 |
| Cash dividends to net income (ytd only)* | 83.2349% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 4,772 |
| Loan loss allowance to noncurrent loans | 337.8182% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 4,011 |
| Noncurrent loans to loans | 0.3484% | 5,142 |
| Net loans and leases to total assets | 64.8673% | 2,892 |
| Net loans and leases to deposits | 72.0246% | 3,516 |
| Net loans and leases to core deposits | 74.8213% | 3,757 |
| Total domestic deposits to total assets | 90.0627% | 1,041 |
| Equity capital to assets | 8.9601% | 5,086 |
| Core capital (leverage) ratio | 9.3956% | 4,419 |
| Tier 1 risk-based capital ratio | 12.9345% | 5,024 |
| Total risk-based capital ratio | 13.9852% | 5,096 |
| Memoranda: | ||
| Average total assets | $122,246,800 | 4,231 |
| Average earning assets | $109,685,800 | 4,270 |
| Average equity | $11,362,400 | 4,567 |
| Average total loans | $77,232,800 | 4,016 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 2,962 |
| Cost of funding earning assets | 0.5391% | 3,371 |
| Net interest margin | 3.7666% | 2,777 |
| Noninterest income to average assets | 0.4215% | 4,358 |
| Noninterest expense to average assets | 2.9784% | 3,058 |
| Loan and lease loss provision to assets | 0.0815% | 3,430 |
| Net operating income to assets | 0.7310% | 3,693 |
| Return on assets (ROA) | 0.7799% | 3,585 |
| Pretax return on assets | 0.7799% | 4,374 |
| Return on Equity (ROE) | 8.3176% | 2,964 |
| Retained earnings to average equity (ytd only) | 1.8883% | 5,188 |
| Net charge-offs to loans | 0.0573% | 4,085 |
| Credit loss provision to net charge-offs | 227.2727% | 1,070 |
| Earnings coverage of net charge-offs (x) | 22.6661% | 1,487 |
| Efficiency ratio | 76.7335% | 2,609 |
| Assets per employee ($millions) | 3.1834% | 5,529 |
| Cash dividends to net income (ytd only)* | 77.2978% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 4,454 |
| Loan loss allowance to noncurrent loans | 241.4044% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 3,856 |
| Noncurrent loans to loans | 0.5339% | 4,858 |
| Net loans and leases to total assets | 61.5085% | 3,453 |
| Net loans and leases to deposits | 68.1608% | 4,043 |
| Net loans and leases to core deposits | 70.4686% | 4,273 |
| Total domestic deposits to total assets | 90.2402% | 870 |
| Equity capital to assets | 8.8158% | 5,402 |
| Core capital (leverage) ratio | 9.5111% | 4,388 |
| Tier 1 risk-based capital ratio | 12.9983% | 5,128 |
| Total risk-based capital ratio | 14.1315% | 5,142 |
| Memoranda: | ||
| Average total assets | $122,747,500 | 4,257 |
| Average earning assets | $109,803,500 | 4,310 |
| Average equity | $11,509,500 | 4,588 |
| Average total loans | $76,809,000 | 4,066 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 2,982 |
| Cost of funding earning assets | 0.5497% | 3,420 |
| Net interest margin | 3.7442% | 2,786 |
| Noninterest income to average assets | 0.3958% | 4,556 |
| Noninterest expense to average assets | 2.9457% | 3,185 |
| Loan and lease loss provision to assets | 0.0409% | 4,137 |
| Net operating income to assets | 0.7851% | 3,377 |
| Return on assets (ROA) | 0.8587% | 3,148 |
| Pretax return on assets | 0.8587% | 4,073 |
| Return on Equity (ROE) | 8.9761% | 2,620 |
| Retained earnings to average equity (ytd only) | 2.9920% | 4,414 |
| Net charge-offs to loans | 0.0496% | 3,983 |
| Credit loss provision to net charge-offs | 131.5789% | 1,727 |
| Earnings coverage of net charge-offs (x) | 26.5789% | 1,239 |
| Efficiency ratio | 76.2359% | 2,745 |
| Assets per employee ($millions) | 3.2889% | 5,293 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 4,672 |
| Loan loss allowance to noncurrent loans | 234.3902% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 3,962 |
| Noncurrent loans to loans | 0.5394% | 4,906 |
| Net loans and leases to total assets | 63.3863% | 3,028 |
| Net loans and leases to deposits | 70.5185% | 3,652 |
| Net loans and leases to core deposits | 73.0101% | 3,925 |
| Total domestic deposits to total assets | 89.8861% | 1,093 |
| Equity capital to assets | 9.1334% | 5,059 |
| Core capital (leverage) ratio | 9.4270% | 4,350 |
| Tier 1 risk-based capital ratio | 13.3562% | 4,871 |
| Total risk-based capital ratio | 14.4796% | 4,914 |
| Memoranda: | ||
| Average total assets | $122,279,330 | 4,294 |
| Average earning assets | $110,249,670 | 4,334 |
| Average equity | $11,697,670 | 4,592 |
| Average total loans | $76,625,000 | 4,083 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 3,195 |
| Cost of funding earning assets | 0.5647% | 3,432 |
| Net interest margin | 3.6615% | 3,027 |
| Noninterest income to average assets | 0.4025% | 4,436 |
| Noninterest expense to average assets | 2.9561% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7245% | 3,569 |
| Return on assets (ROA) | 0.7245% | 3,702 |
| Pretax return on assets | 0.7245% | 4,467 |
| Return on Equity (ROE) | 7.4138% | 3,258 |
| Retained earnings to average equity (ytd only) | 1.8123% | 5,088 |
| Net charge-offs to loans | -0.0104% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3902% | 2,551 |
| Assets per employee ($millions) | 3.5495% | 4,881 |
| Cash dividends to net income (ytd only)* | 75.5556% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 4,961 |
| Loan loss allowance to noncurrent loans | 215.5405% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.8919% | 4,158 |
| Noncurrent loans to loans | 0.5788% | 4,995 |
| Net loans and leases to total assets | 60.9762% | 3,253 |
| Net loans and leases to deposits | 68.1965% | 3,755 |
| Net loans and leases to core deposits | 70.5129% | 4,008 |
| Total domestic deposits to total assets | 89.4126% | 1,407 |
| Equity capital to assets | 9.7133% | 4,544 |
| Core capital (leverage) ratio | 9.1558% | 4,630 |
| Tier 1 risk-based capital ratio | 13.0440% | 5,184 |
| Total risk-based capital ratio | 14.1503% | 5,247 |
| Memoranda: | ||
| Average total assets | $124,218,500 | 4,299 |
| Average earning assets | $111,210,500 | 4,349 |
| Average equity | $12,139,500 | 4,551 |
| Average total loans | $76,932,000 | 4,104 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 3,943 |
| Cost of funding earning assets | 0.6867% | 3,598 |
| Net interest margin | 3.6840% | 3,723 |
| Noninterest income to average assets | 0.4060% | 4,561 |
| Noninterest expense to average assets | 2.7902% | 4,058 |
| Loan and lease loss provision to assets | 0.3160% | 2,165 |
| Net operating income to assets | 0.5632% | 4,418 |
| Return on assets (ROA) | 0.9535% | 2,780 |
| Pretax return on assets | 0.9535% | 3,729 |
| Return on Equity (ROE) | 9.8930% | 2,219 |
| Retained earnings to average equity (ytd only) | 2.8851% | 4,207 |
| Net charge-offs to loans | 0.5795% | 1,992 |
| Credit loss provision to net charge-offs | 88.8889% | 3,520 |
| Earnings coverage of net charge-offs (x) | 2.4733% | 4,175 |
| Efficiency ratio | 74.1873% | 3,041 |
| Assets per employee ($millions) | 3.5487% | 4,908 |
| Cash dividends to net income (ytd only)* | 70.8368% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 4,944 |
| Loan loss allowance to noncurrent loans | 259.5109% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 4,480 |
| Noncurrent loans to loans | 0.4770% | 5,329 |
| Net loans and leases to total assets | 61.3502% | 3,364 |
| Net loans and leases to deposits | 68.6654% | 3,879 |
| Net loans and leases to core deposits | 70.9405% | 4,175 |
| Total domestic deposits to total assets | 89.3466% | 1,337 |
| Equity capital to assets | 9.8321% | 4,405 |
| Core capital (leverage) ratio | 8.9867% | 4,916 |
| Tier 1 risk-based capital ratio | 12.9857% | 5,114 |
| Total risk-based capital ratio | 14.0922% | 5,159 |
| Memoranda: | ||
| Average total assets | $126,587,400 | 4,216 |
| Average earning assets | $112,134,400 | 4,288 |
| Average equity | $12,200,600 | 4,524 |
| Average total loans | $77,654,400 | 4,102 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 4,325 |
| Cost of funding earning assets | 0.7081% | 3,693 |
| Net interest margin | 3.6231% | 4,136 |
| Noninterest income to average assets | 0.3984% | 4,648 |
| Noninterest expense to average assets | 2.7791% | 4,060 |
| Loan and lease loss provision to assets | 0.1321% | 3,897 |
| Net operating income to assets | 0.7055% | 3,890 |
| Return on assets (ROA) | 1.1280% | 2,190 |
| Pretax return on assets | 1.1280% | 3,242 |
| Return on Equity (ROE) | 11.7614% | 1,719 |
| Retained earnings to average equity (ytd only) | 4.9735% | 3,382 |
| Net charge-offs to loans | 0.2057% | 3,499 |
| Credit loss provision to net charge-offs | 105.0000% | 2,800 |
| Earnings coverage of net charge-offs (x) | 6.6582% | 2,747 |
| Efficiency ratio | 74.9855% | 2,830 |
| Assets per employee ($millions) | 3.7821% | 4,344 |
| Cash dividends to net income (ytd only)* | 57.7138% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 4,768 |
| Loan loss allowance to noncurrent loans | 137.5510% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0273% | 4,236 |
| Noncurrent loans to loans | 0.9524% | 4,530 |
| Net loans and leases to total assets | 59.2289% | 3,926 |
| Net loans and leases to deposits | 66.3343% | 4,429 |
| Net loans and leases to core deposits | 68.4507% | 4,680 |
| Total domestic deposits to total assets | 89.2885% | 1,247 |
| Equity capital to assets | 9.9276% | 4,607 |
| Core capital (leverage) ratio | 8.9216% | 5,163 |
| Tier 1 risk-based capital ratio | 13.0601% | 5,200 |
| Total risk-based capital ratio | 14.2297% | 5,234 |
| Memoranda: | ||
| Average total assets | $127,183,000 | 4,247 |
| Average earning assets | $112,977,000 | 4,318 |
| Average equity | $12,197,750 | 4,565 |
| Average total loans | $77,779,250 | 4,143 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 4,252 |
| Cost of funding earning assets | 0.7351% | 3,723 |
| Net interest margin | 3.6472% | 4,053 |
| Noninterest income to average assets | 0.4751% | 4,095 |
| Noninterest expense to average assets | 2.8079% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8934% | 2,943 |
| Return on assets (ROA) | 1.2074% | 1,882 |
| Pretax return on assets | 1.2074% | 2,891 |
| Return on Equity (ROE) | 12.7412% | 1,428 |
| Retained earnings to average equity (ytd only) | 6.8286% | 2,201 |
| Net charge-offs to loans | 0.0103% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 141.5000% | 316 |
| Efficiency ratio | 74.0299% | 3,071 |
| Assets per employee ($millions) | 3.5422% | 4,886 |
| Cash dividends to net income (ytd only)* | 46.4052% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,884 |
| Loan loss allowance to noncurrent loans | 195.1267% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0647% | 4,252 |
| Noncurrent loans to loans | 0.6665% | 5,172 |
| Net loans and leases to total assets | 61.2767% | 3,578 |
| Net loans and leases to deposits | 68.7477% | 4,084 |
| Net loans and leases to core deposits | 71.1787% | 4,393 |
| Total domestic deposits to total assets | 89.1327% | 1,430 |
| Equity capital to assets | 10.0535% | 4,250 |
| Core capital (leverage) ratio | 8.9902% | 4,933 |
| Tier 1 risk-based capital ratio | 13.0543% | 5,148 |
| Total risk-based capital ratio | 14.2216% | 5,177 |
| Memoranda: | ||
| Average total assets | $126,713,670 | 4,275 |
| Average earning assets | $112,087,330 | 4,362 |
| Average equity | $12,008,330 | 4,601 |
| Average total loans | $77,981,000 | 4,156 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 4,588 |
| Cost of funding earning assets | 0.7623% | 3,771 |
| Net interest margin | 3.5728% | 4,384 |
| Noninterest income to average assets | 0.4622% | 4,210 |
| Noninterest expense to average assets | 2.7389% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8557% | 3,128 |
| Return on assets (ROA) | 1.4772% | 1,192 |
| Pretax return on assets | 1.4772% | 1,938 |
| Return on Equity (ROE) | 16.0604% | 803 |
| Retained earnings to average equity (ytd only) | 10.1184% | 1,237 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2832% | 3,054 |
| Assets per employee ($millions) | 3.8714% | 4,255 |
| Cash dividends to net income (ytd only)* | 36.9979% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 4,983 |
| Loan loss allowance to noncurrent loans | 438.8646% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.8320% | 4,868 |
| Noncurrent loans to loans | 0.2982% | 6,075 |
| Net loans and leases to total assets | 59.3220% | 3,803 |
| Net loans and leases to deposits | 65.9703% | 4,386 |
| Net loans and leases to core deposits | 68.8062% | 4,589 |
| Total domestic deposits to total assets | 89.9223% | 1,126 |
| Equity capital to assets | 9.3224% | 5,062 |
| Core capital (leverage) ratio | 8.6731% | 5,346 |
| Tier 1 risk-based capital ratio | 12.8844% | 5,295 |
| Total risk-based capital ratio | 14.0549% | 5,335 |
| Memoranda: | ||
| Average total assets | $128,082,000 | 4,278 |
| Average earning assets | $112,294,000 | 4,371 |
| Average equity | $11,780,500 | 4,661 |
| Average total loans | $78,486,500 | 4,166 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 5,390 |
| Cost of funding earning assets | 0.9672% | 3,595 |
| Net interest margin | 3.4401% | 5,365 |
| Noninterest income to average assets | 0.2927% | 5,440 |
| Noninterest expense to average assets | 2.8028% | 4,334 |
| Loan and lease loss provision to assets | 0.0724% | 5,708 |
| Net operating income to assets | 0.4927% | 4,460 |
| Return on assets (ROA) | 0.5922% | 4,218 |
| Pretax return on assets | 0.5922% | 4,721 |
| Return on Equity (ROE) | 6.9322% | 3,427 |
| Retained earnings to average equity (ytd only) | 0.3974% | 5,649 |
| Net charge-offs to loans | 0.2259% | 4,370 |
| Credit loss provision to net charge-offs | 52.4590% | 5,364 |
| Earnings coverage of net charge-offs (x) | 4.0929% | 3,272 |
| Efficiency ratio | 81.2948% | 2,119 |
| Assets per employee ($millions) | 3.7767% | 4,375 |
| Cash dividends to net income (ytd only)* | 94.2675% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 5,148 |
| Loan loss allowance to noncurrent loans | 161.5756% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 4,291 |
| Noncurrent loans to loans | 0.7758% | 5,137 |
| Net loans and leases to total assets | 61.6594% | 3,668 |
| Net loans and leases to deposits | 68.3905% | 4,381 |
| Net loans and leases to core deposits | 71.0166% | 4,648 |
| Total domestic deposits to total assets | 90.1579% | 907 |
| Equity capital to assets | 9.0735% | 5,459 |
| Core capital (leverage) ratio | 8.2027% | 5,992 |
| Tier 1 risk-based capital ratio | 12.1470% | 5,731 |
| Total risk-based capital ratio | 13.2835% | 5,793 |
| Memoranda: | ||
| Average total assets | $132,548,200 | 4,116 |
| Average earning assets | $118,483,400 | 4,172 |
| Average equity | $11,324,000 | 4,708 |
| Average total loans | $81,003,000 | 4,116 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 5,353 |
| Cost of funding earning assets | 1.0143% | 3,577 |
| Net interest margin | 3.4540% | 5,377 |
| Noninterest income to average assets | 0.3174% | 5,324 |
| Noninterest expense to average assets | 2.7797% | 4,416 |
| Loan and lease loss provision to assets | 0.0958% | 5,264 |
| Net operating income to assets | 0.5350% | 4,383 |
| Return on assets (ROA) | 0.6667% | 3,965 |
| Pretax return on assets | 0.6667% | 4,589 |
| Return on Equity (ROE) | 7.9223% | 3,067 |
| Retained earnings to average equity (ytd only) | 1.3401% | 5,470 |
| Net charge-offs to loans | 0.2758% | 3,704 |
| Credit loss provision to net charge-offs | 57.1429% | 4,870 |
| Earnings coverage of net charge-offs (x) | 3.7620% | 3,308 |
| Efficiency ratio | 79.7191% | 2,293 |
| Assets per employee ($millions) | 3.9810% | 3,893 |
| Cash dividends to net income (ytd only)* | 83.0841% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 5,230 |
| Loan loss allowance to noncurrent loans | 80.9033% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 4,138 |
| Noncurrent loans to loans | 1.5490% | 3,960 |
| Net loans and leases to total assets | 59.4356% | 4,248 |
| Net loans and leases to deposits | 65.6453% | 4,953 |
| Net loans and leases to core deposits | 67.8711% | 5,192 |
| Total domestic deposits to total assets | 90.5404% | 613 |
| Equity capital to assets | 8.7725% | 6,010 |
| Core capital (leverage) ratio | 8.1423% | 6,221 |
| Tier 1 risk-based capital ratio | 11.8907% | 5,969 |
| Total risk-based capital ratio | 13.0153% | 6,057 |
| Memoranda: | ||
| Average total assets | $133,583,500 | 4,122 |
| Average earning assets | $119,625,250 | 4,161 |
| Average equity | $11,242,250 | 4,747 |
| Average total loans | $81,208,750 | 4,136 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 5,320 |
| Cost of funding earning assets | 1.0669% | 3,496 |
| Net interest margin | 3.4434% | 5,392 |
| Noninterest income to average assets | 0.3459% | 5,116 |
| Noninterest expense to average assets | 2.8483% | 4,238 |
| Loan and lease loss provision to assets | 0.0120% | 6,125 |
| Net operating income to assets | 0.6015% | 4,059 |
| Return on assets (ROA) | 0.6015% | 4,195 |
| Pretax return on assets | 0.6015% | 4,736 |
| Return on Equity (ROE) | 7.2518% | 3,321 |
| Retained earnings to average equity (ytd only) | 0.3626% | 5,697 |
| Net charge-offs to loans | 0.4117% | 2,905 |
| Credit loss provision to net charge-offs | 4.7904% | 5,292 |
| Earnings coverage of net charge-offs (x) | 2.4431% | 3,597 |
| Efficiency ratio | 80.6255% | 2,297 |
| Assets per employee ($millions) | 3.7424% | 4,331 |
| Cash dividends to net income (ytd only)* | 95.0000% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,700 |
| Loan loss allowance to noncurrent loans | 316.2712% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.8406% | 5,195 |
| Noncurrent loans to loans | 0.3679% | 6,171 |
| Net loans and leases to total assets | 60.5028% | 4,182 |
| Net loans and leases to deposits | 66.9604% | 4,855 |
| Net loans and leases to core deposits | 70.0940% | 5,063 |
| Total domestic deposits to total assets | 90.3561% | 785 |
| Equity capital to assets | 8.9057% | 5,703 |
| Core capital (leverage) ratio | 8.1741% | 6,072 |
| Tier 1 risk-based capital ratio | 12.1201% | 5,694 |
| Total risk-based capital ratio | 13.1800% | 5,821 |
| Memoranda: | ||
| Average total assets | $132,993,000 | 4,162 |
| Average earning assets | $120,344,670 | 4,179 |
| Average equity | $11,031,670 | 4,795 |
| Average total loans | $81,121,670 | 4,175 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 5,486 |
| Cost of funding earning assets | 1.1528% | 3,143 |
| Net interest margin | 3.3068% | 5,753 |
| Noninterest income to average assets | 0.3851% | 4,832 |
| Noninterest expense to average assets | 2.7672% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6149% | 3,967 |
| Return on assets (ROA) | 0.6149% | 4,031 |
| Pretax return on assets | 0.6149% | 4,631 |
| Return on Equity (ROE) | 7.6902% | 3,049 |
| Retained earnings to average equity (ytd only) | 1.5306% | 5,196 |
| Net charge-offs to loans | 0.7991% | 1,624 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.2638% | 3,724 |
| Efficiency ratio | 80.5825% | 2,425 |
| Assets per employee ($millions) | 3.8345% | 4,225 |
| Cash dividends to net income (ytd only)* | 80.0971% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,790 |
| Loan loss allowance to noncurrent loans | 411.0619% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 5,439 |
| Noncurrent loans to loans | 0.2829% | 6,424 |
| Net loans and leases to total assets | 58.8363% | 4,491 |
| Net loans and leases to deposits | 65.0115% | 5,128 |
| Net loans and leases to core deposits | 68.1691% | 5,271 |
| Total domestic deposits to total assets | 90.5013% | 838 |
| Equity capital to assets | 8.0740% | 6,415 |
| Core capital (leverage) ratio | 7.9087% | 6,355 |
| Tier 1 risk-based capital ratio | 11.8174% | 5,844 |
| Total risk-based capital ratio | 12.8662% | 5,993 |
| Memoranda: | ||
| Average total assets | $133,997,500 | 4,173 |
| Average earning assets | $121,445,500 | 4,188 |
| Average equity | $10,715,000 | 4,865 |
| Average total loans | $81,591,500 | 4,202 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7419% | 5,648 |
| Cost of funding earning assets | 1.4258% | 3,100 |
| Net interest margin | 3.3162% | 5,929 |
| Noninterest income to average assets | 0.4303% | 4,677 |
| Noninterest expense to average assets | 2.8500% | 4,407 |
| Loan and lease loss provision to assets | 0.3068% | 4,349 |
| Net operating income to assets | 0.2809% | 4,998 |
| Return on assets (ROA) | 0.5219% | 4,149 |
| Pretax return on assets | 0.5219% | 4,543 |
| Return on Equity (ROE) | 6.3707% | 3,412 |
| Retained earnings to average equity (ytd only) | 0.4873% | 5,338 |
| Net charge-offs to loans | 0.4871% | 3,673 |
| Credit loss provision to net charge-offs | 107.5130% | 4,129 |
| Earnings coverage of net charge-offs (x) | 2.0596% | 4,184 |
| Efficiency ratio | 81.0753% | 2,280 |
| Assets per employee ($millions) | 3.8225% | 4,202 |
| Cash dividends to net income (ytd only)* | 92.3513% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 4,941 |
| Loan loss allowance to noncurrent loans | 290.6915% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 5,223 |
| Noncurrent loans to loans | 0.4514% | 6,139 |
| Net loans and leases to total assets | 61.4395% | 4,409 |
| Net loans and leases to deposits | 68.4778% | 5,041 |
| Net loans and leases to core deposits | 71.3853% | 5,287 |
| Total domestic deposits to total assets | 89.7217% | 1,257 |
| Equity capital to assets | 7.9186% | 6,563 |
| Core capital (leverage) ratio | 7.7344% | 6,510 |
| Tier 1 risk-based capital ratio | 11.4689% | 5,932 |
| Total risk-based capital ratio | 12.6725% | 5,970 |
| Memoranda: | ||
| Average total assets | $135,262,000 | 4,150 |
| Average earning assets | $122,671,400 | 4,172 |
| Average equity | $11,082,000 | 4,844 |
| Average total loans | $79,249,600 | 4,361 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 5,511 |
| Cost of funding earning assets | 1.4851% | 3,064 |
| Net interest margin | 3.3562% | 5,821 |
| Noninterest income to average assets | 0.3962% | 4,986 |
| Noninterest expense to average assets | 2.7387% | 4,727 |
| Loan and lease loss provision to assets | 0.2880% | 4,269 |
| Net operating income to assets | 0.4129% | 4,693 |
| Return on assets (ROA) | 0.5535% | 4,245 |
| Pretax return on assets | 0.5535% | 4,750 |
| Return on Equity (ROE) | 6.6998% | 3,481 |
| Retained earnings to average equity (ytd only) | 0.2499% | 5,680 |
| Net charge-offs to loans | 0.5845% | 2,984 |
| Credit loss provision to net charge-offs | 85.4227% | 4,948 |
| Earnings coverage of net charge-offs (x) | 2.0787% | 4,165 |
| Efficiency ratio | 77.7937% | 2,651 |
| Assets per employee ($millions) | 3.6136% | 4,701 |
| Cash dividends to net income (ytd only)* | 96.2699% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 5,291 |
| Loan loss allowance to noncurrent loans | 262.4352% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.9853% | 5,112 |
| Noncurrent loans to loans | 0.4721% | 6,250 |
| Net loans and leases to total assets | 58.8001% | 5,137 |
| Net loans and leases to deposits | 66.9741% | 5,550 |
| Net loans and leases to core deposits | 69.8092% | 5,769 |
| Total domestic deposits to total assets | 87.7953% | 2,094 |
| Equity capital to assets | 8.3457% | 6,461 |
| Core capital (leverage) ratio | 7.6505% | 6,721 |
| Tier 1 risk-based capital ratio | 11.5093% | 5,925 |
| Total risk-based capital ratio | 12.6345% | 6,014 |
| Memoranda: | ||
| Average total assets | $135,630,750 | 4,198 |
| Average earning assets | $122,993,250 | 4,223 |
| Average equity | $11,204,000 | 4,875 |
| Average total loans | $78,239,250 | 4,460 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 5,591 |
| Cost of funding earning assets | 1.5229% | 3,113 |
| Net interest margin | 3.3327% | 5,890 |
| Noninterest income to average assets | 0.3820% | 5,070 |
| Noninterest expense to average assets | 2.7778% | 4,585 |
| Loan and lease loss provision to assets | 0.3213% | 3,817 |
| Net operating income to assets | 0.3095% | 5,139 |
| Return on assets (ROA) | 0.5212% | 4,392 |
| Pretax return on assets | 0.5212% | 4,840 |
| Return on Equity (ROE) | 6.3317% | 3,631 |
| Retained earnings to average equity (ytd only) | -0.5037% | 5,847 |
| Net charge-offs to loans | 0.3452% | 3,619 |
| Credit loss provision to net charge-offs | 163.1579% | 2,420 |
| Earnings coverage of net charge-offs (x) | 3.2030% | 3,409 |
| Efficiency ratio | 79.6264% | 2,487 |
| Assets per employee ($millions) | 3.3442% | 5,323 |
| Cash dividends to net income (ytd only)* | 107.9545% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 4,171 |
| Loan loss allowance to noncurrent loans | 151.9205% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0944% | 4,941 |
| Noncurrent loans to loans | 0.9555% | 5,394 |
| Net loans and leases to total assets | 58.2105% | 5,379 |
| Net loans and leases to deposits | 67.7004% | 5,589 |
| Net loans and leases to core deposits | 70.1126% | 5,860 |
| Total domestic deposits to total assets | 85.9824% | 3,106 |
| Equity capital to assets | 8.6216% | 5,984 |
| Core capital (leverage) ratio | 7.6072% | 6,723 |
| Tier 1 risk-based capital ratio | 11.5704% | 5,698 |
| Total risk-based capital ratio | 12.8207% | 5,670 |
| Memoranda: | ||
| Average total assets | $135,069,000 | 4,238 |
| Average earning assets | $122,663,000 | 4,253 |
| Average equity | $11,118,670 | 4,901 |
| Average total loans | $77,067,330 | 4,538 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 5,719 |
| Cost of funding earning assets | 1.5112% | 3,484 |
| Net interest margin | 3.3304% | 5,857 |
| Noninterest income to average assets | 0.3625% | 5,240 |
| Noninterest expense to average assets | 2.8765% | 4,155 |
| Loan and lease loss provision to assets | 0.3271% | 3,445 |
| Net operating income to assets | 0.1857% | 5,734 |
| Return on assets (ROA) | 0.4716% | 4,659 |
| Pretax return on assets | 0.4716% | 5,055 |
| Return on Equity (ROE) | 5.8654% | 3,937 |
| Retained earnings to average equity (ytd only) | -0.5499% | 5,964 |
| Net charge-offs to loans | 0.5204% | 2,507 |
| Credit loss provision to net charge-offs | 112.1212% | 3,090 |
| Earnings coverage of net charge-offs (x) | 1.7576% | 3,681 |
| Efficiency ratio | 83.0435% | 2,136 |
| Assets per employee ($millions) | 3.4730% | 5,090 |
| Cash dividends to net income (ytd only)* | 109.3750% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 4,385 |
| Loan loss allowance to noncurrent loans | 138.5309% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0705% | 5,005 |
| Noncurrent loans to loans | 1.0162% | 5,295 |
| Net loans and leases to total assets | 55.5853% | 5,805 |
| Net loans and leases to deposits | 64.5125% | 6,000 |
| Net loans and leases to core deposits | 66.9292% | 6,214 |
| Total domestic deposits to total assets | 86.1620% | 3,057 |
| Equity capital to assets | 7.9139% | 6,742 |
| Core capital (leverage) ratio | 7.6716% | 6,660 |
| Tier 1 risk-based capital ratio | 11.6974% | 5,497 |
| Total risk-based capital ratio | 12.9204% | 5,470 |
| Memoranda: | ||
| Average total assets | $135,719,500 | 4,284 |
| Average earning assets | $123,348,500 | 4,295 |
| Average equity | $10,911,500 | 5,004 |
| Average total loans | $76,094,000 | 4,634 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 6,261 |
| Cost of funding earning assets | 1.7285% | 4,363 |
| Net interest margin | 3.3217% | 5,660 |
| Noninterest income to average assets | 0.4837% | 4,539 |
| Noninterest expense to average assets | 3.0194% | 4,073 |
| Loan and lease loss provision to assets | 0.0396% | 7,151 |
| Net operating income to assets | 0.4537% | 3,912 |
| Return on assets (ROA) | 0.6599% | 3,150 |
| Pretax return on assets | 0.6599% | 3,708 |
| Return on Equity (ROE) | 7.0596% | 2,767 |
| Retained earnings to average equity (ytd only) | -2.2244% | 5,568 |
| Net charge-offs to loans | 0.0175% | 6,974 |
| Credit loss provision to net charge-offs | 346.1538% | 939 |
| Earnings coverage of net charge-offs (x) | 43.0769% | 579 |
| Efficiency ratio | 85.0263% | 2,220 |
| Assets per employee ($millions) | 3.5788% | 4,827 |
| Cash dividends to net income (ytd only)* | 131.5087% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 4,229 |
| Loan loss allowance to noncurrent loans | 105.8765% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 4,700 |
| Noncurrent loans to loans | 1.3241% | 4,710 |
| Net loans and leases to total assets | 54.9749% | 6,086 |
| Net loans and leases to deposits | 64.1057% | 6,253 |
| Net loans and leases to core deposits | 74.8548% | 6,479 |
| Total domestic deposits to total assets | 85.7566% | 3,135 |
| Equity capital to assets | 8.1651% | 6,384 |
| Core capital (leverage) ratio | 7.7843% | 6,472 |
| Tier 1 risk-based capital ratio | 11.8770% | 5,056 |
| Total risk-based capital ratio | 13.1057% | 5,034 |
| Memoranda: | ||
| Average total assets | $113,500,200 | 4,743 |
| Average earning assets | $103,501,800 | 4,740 |
| Average equity | $10,609,600 | 5,127 |
| Average total loans | $74,217,600 | 4,720 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 6,352 |
| Cost of funding earning assets | 1.7604% | 4,588 |
| Net interest margin | 3.3166% | 5,578 |
| Noninterest income to average assets | 0.5142% | 4,374 |
| Noninterest expense to average assets | 3.0862% | 3,696 |
| Loan and lease loss provision to assets | 0.0346% | 7,009 |
| Net operating income to assets | 0.4227% | 4,311 |
| Return on assets (ROA) | 0.7119% | 3,231 |
| Pretax return on assets | 0.7119% | 3,812 |
| Return on Equity (ROE) | 7.3239% | 2,937 |
| Retained earnings to average equity (ytd only) | -2.9753% | 5,930 |
| Net charge-offs to loans | 0.0054% | 6,888 |
| Credit loss provision to net charge-offs | 933.3333% | 399 |
| Earnings coverage of net charge-offs (x) | 123.3300% | 303 |
| Efficiency ratio | 87.0248% | 1,960 |
| Assets per employee ($millions) | 3.4617% | 5,019 |
| Cash dividends to net income (ytd only)* | 140.6248% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 3,809 |
| Loan loss allowance to noncurrent loans | 97.5069% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 4,646 |
| Noncurrent loans to loans | 1.4613% | 4,488 |
| Net loans and leases to total assets | 55.5369% | 6,194 |
| Net loans and leases to deposits | 65.1896% | 6,382 |
| Net loans and leases to core deposits | 74.8970% | 6,674 |
| Total domestic deposits to total assets | 85.1929% | 3,128 |
| Equity capital to assets | 8.6472% | 6,038 |
| Core capital (leverage) ratio | 8.9588% | 4,708 |
| Tier 1 risk-based capital ratio | 12.3453% | 4,671 |
| Total risk-based capital ratio | 13.5952% | 4,613 |
| Memoranda: | ||
| Average total assets | $107,877,000 | 4,918 |
| Average earning assets | $98,533,250 | 4,906 |
| Average equity | $10,486,000 | 5,209 |
| Average total loans | $73,815,750 | 4,783 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 5,275 |
| Cost of funding earning assets | 1.8845% | 4,351 |
| Net interest margin | 3.4910% | 4,843 |
| Noninterest income to average assets | 0.5861% | 3,800 |
| Noninterest expense to average assets | 3.3384% | 2,831 |
| Loan and lease loss provision to assets | 0.0560% | 6,662 |
| Net operating income to assets | 0.3820% | 4,575 |
| Return on assets (ROA) | 0.8501% | 2,754 |
| Pretax return on assets | 0.8501% | 3,513 |
| Return on Equity (ROE) | 8.3418% | 2,638 |
| Retained earnings to average equity (ytd only) | -0.9225% | 5,460 |
| Net charge-offs to loans | 0.0081% | 6,466 |
| Credit loss provision to net charge-offs | 933.3333% | 518 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 517 |
| Efficiency ratio | 88.3475% | 1,967 |
| Assets per employee ($millions) | 3.1598% | 5,696 |
| Cash dividends to net income (ytd only)* | 111.0588% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 3,534 |
| Loan loss allowance to noncurrent loans | 153.0435% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 4,458 |
| Noncurrent loans to loans | 0.9390% | 5,344 |
| Net loans and leases to total assets | 73.9401% | 2,712 |
| Net loans and leases to deposits | 91.6636% | 2,531 |
| Net loans and leases to core deposits | 109.0717% | 3,487 |
| Total domestic deposits to total assets | 80.6646% | 5,207 |
| Equity capital to assets | 10.0495% | 3,871 |
| Core capital (leverage) ratio | 10.0324% | 3,262 |
| Tier 1 risk-based capital ratio | 13.5755% | 3,772 |
| Total risk-based capital ratio | 14.8275% | 3,699 |
| Memoranda: | ||
| Average total assets | $99,987,670 | 5,160 |
| Average earning assets | $91,379,000 | 5,150 |
| Average equity | $10,189,670 | 5,308 |
| Average total loans | $73,717,000 | 4,817 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3554% | 5,635 |
| Cost of funding earning assets | 1.9049% | 4,606 |
| Net interest margin | 3.4505% | 4,934 |
| Noninterest income to average assets | 0.5742% | 3,730 |
| Noninterest expense to average assets | 3.1167% | 3,312 |
| Loan and lease loss provision to assets | 0.0277% | 6,582 |
| Net operating income to assets | 0.5861% | 4,075 |
| Return on assets (ROA) | 0.5861% | 4,267 |
| Pretax return on assets | 0.5861% | 4,800 |
| Return on Equity (ROE) | 5.7129% | 4,163 |
| Retained earnings to average equity (ytd only) | -4.9409% | 6,541 |
| Net charge-offs to loans | 0.0271% | 5,151 |
| Credit loss provision to net charge-offs | 140.0000% | 2,911 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,029 |
| Efficiency ratio | 83.4395% | 2,366 |
| Assets per employee ($millions) | 3.4777% | 4,873 |
| Cash dividends to net income (ytd only)* | 186.4865% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 3,458 |
| Loan loss allowance to noncurrent loans | 155.3383% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 1.2295% | 4,226 |
| Noncurrent loans to loans | 0.9056% | 5,191 |
| Net loans and leases to total assets | 71.7834% | 3,288 |
| Net loans and leases to deposits | 88.8413% | 3,134 |
| Net loans and leases to core deposits | 105.6568% | 3,951 |
| Total domestic deposits to total assets | 80.7996% | 5,041 |
| Equity capital to assets | 10.3062% | 3,649 |
| Core capital (leverage) ratio | 9.8373% | 3,594 |
| Tier 1 risk-based capital ratio | 13.5718% | 3,819 |
| Total risk-based capital ratio | 14.8238% | 3,744 |
| Memoranda: | ||
| Average total assets | $101,004,000 | 5,152 |
| Average earning assets | $92,393,500 | 5,135 |
| Average equity | $10,362,500 | 5,276 |
| Average total loans | $73,833,500 | 4,843 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3319% | 3,774 |
| Cost of funding earning assets | 2.6117% | 3,626 |
| Net interest margin | 3.7202% | 4,385 |
| Noninterest income to average assets | 0.4719% | 4,864 |
| Noninterest expense to average assets | 2.8024% | 4,807 |
| Loan and lease loss provision to assets | 0.1496% | 5,444 |
| Net operating income to assets | 0.9014% | 2,993 |
| Return on assets (ROA) | 1.0025% | 2,426 |
| Pretax return on assets | 1.0025% | 3,375 |
| Return on Equity (ROE) | 10.8520% | 1,950 |
| Retained earnings to average equity (ytd only) | 2.4286% | 3,686 |
| Net charge-offs to loans | 0.0656% | 5,839 |
| Credit loss provision to net charge-offs | 314.8936% | 1,435 |
| Earnings coverage of net charge-offs (x) | 22.1277% | 1,491 |
| Efficiency ratio | 72.6724% | 3,813 |
| Assets per employee ($millions) | 3.3719% | 5,026 |
| Cash dividends to net income (ytd only)* | 77.6210% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 3,261 |
| Loan loss allowance to noncurrent loans | 130.0126% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 4,614 |
| Noncurrent loans to loans | 1.0682% | 4,435 |
| Net loans and leases to total assets | 72.3714% | 3,508 |
| Net loans and leases to deposits | 90.3970% | 3,383 |
| Net loans and leases to core deposits | 108.2846% | 3,935 |
| Total domestic deposits to total assets | 80.0595% | 4,996 |
| Equity capital to assets | 10.2129% | 3,789 |
| Core capital (leverage) ratio | 9.9990% | 3,451 |
| Tier 1 risk-based capital ratio | 13.6910% | 3,701 |
| Total risk-based capital ratio | 14.9434% | 3,622 |
| Memoranda: | ||
| Average total assets | $98,951,800 | 5,086 |
| Average earning assets | $89,941,600 | 5,085 |
| Average equity | $9,141,200 | 5,692 |
| Average total loans | $71,689,600 | 4,804 |