Home > The National Bank of Andrews > Performance and Condition Ratios
The National Bank of Andrews, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8684% | 386 |
| Cost of funding earning assets | 0.8719% | 4,090 |
| Net interest margin | 5.9965% | 92 |
| Noninterest income to average assets | 2.0300% | 248 |
| Noninterest expense to average assets | 4.2735% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 3.1460% | 130 |
| Return on assets (ROA) | 3.1460% | 132 |
| Pretax return on assets | 3.1460% | 164 |
| Return on Equity (ROE) | 30.1900% | 107 |
| Retained earnings to average equity (ytd only) | 30.1922% | 43 |
| 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 | 57.5982% | 3,223 |
| Assets per employee ($millions) | 5.0684% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 754 |
| Loan loss allowance to noncurrent loans | 527.3282% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 1,000 |
| Noncurrent loans to loans | 0.3108% | 2,384 |
| Net loans and leases to total assets | 71.7500% | 1,643 |
| Net loans and leases to deposits | 82.0068% | 1,881 |
| Net loans and leases to core deposits | 84.6773% | 2,409 |
| Total domestic deposits to total assets | 87.4900% | 1,742 |
| Equity capital to assets | 10.9794% | 1,669 |
| Core capital (leverage) ratio | 11.3908% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8001% | 1,590 |
| Memoranda: | ||
| Average total assets | $290,906,500 | 2,526 |
| Average earning assets | $261,487,000 | 2,570 |
| Average equity | $30,312,500 | 2,413 |
| Average total loans | $209,347,000 | 2,347 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7871% | 502 |
| Cost of funding earning assets | 0.7056% | 4,228 |
| Net interest margin | 6.0815% | 105 |
| Noninterest income to average assets | 2.0800% | 245 |
| Noninterest expense to average assets | 3.9719% | 384 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 3.4338% | 113 |
| Return on assets (ROA) | 3.4160% | 116 |
| Pretax return on assets | 3.4160% | 141 |
| Return on Equity (ROE) | 34.9200% | 72 |
| Retained earnings to average equity (ytd only) | 4.3842% | 2,484 |
| Net charge-offs to loans | 0.0430% | 1,745 |
| Credit loss provision to net charge-offs | 517.4419% | 614 |
| Earnings coverage of net charge-offs (x) | 123.3256% | 700 |
| Efficiency ratio | 52.7004% | 3,826 |
| Assets per employee ($millions) | 4.8820% | 3,726 |
| Cash dividends to net income (ytd only)* | 87.4447% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 627 |
| Loan loss allowance to noncurrent loans | 1,530.0429% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 1,232 |
| Noncurrent loans to loans | 0.1120% | 3,073 |
| Net loans and leases to total assets | 69.7800% | 1,921 |
| Net loans and leases to deposits | 78.6210% | 2,244 |
| Net loans and leases to core deposits | 81.1058% | 2,700 |
| Total domestic deposits to total assets | 88.7600% | 1,242 |
| Equity capital to assets | 9.8683% | 2,209 |
| Core capital (leverage) ratio | 10.4652% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0090% | 1,867 |
| Memoranda: | ||
| Average total assets | $297,513,200 | 2,478 |
| Average earning assets | $267,008,200 | 2,516 |
| Average equity | $29,104,600 | 2,403 |
| Average total loans | $199,888,800 | 2,373 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7286% | 523 |
| Cost of funding earning assets | 0.6816% | 4,267 |
| Net interest margin | 6.0470% | 107 |
| Noninterest income to average assets | 1.9100% | 260 |
| Noninterest expense to average assets | 3.9196% | 387 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 3.2531% | 123 |
| Return on assets (ROA) | 3.2294% | 128 |
| Pretax return on assets | 3.2294% | 170 |
| Return on Equity (ROE) | 33.0800% | 89 |
| Retained earnings to average equity (ytd only) | 14.0674% | 287 |
| Net charge-offs to loans | 0.0579% | 1,329 |
| Credit loss provision to net charge-offs | 523.2558% | 608 |
| Earnings coverage of net charge-offs (x) | 89.2674% | 856 |
| Efficiency ratio | 53.3512% | 3,781 |
| Assets per employee ($millions) | 4.9128% | 3,704 |
| Cash dividends to net income (ytd only)* | 57.4786% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7373% | 612 |
| Loan loss allowance to noncurrent loans | 674.8582% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 1,042 |
| Noncurrent loans to loans | 0.2574% | 2,517 |
| Net loans and leases to total assets | 68.5000% | 2,025 |
| Net loans and leases to deposits | 78.2893% | 2,333 |
| Net loans and leases to core deposits | 80.5739% | 2,774 |
| Total domestic deposits to total assets | 87.5000% | 1,424 |
| Equity capital to assets | 10.6033% | 1,932 |
| Core capital (leverage) ratio | 11.1658% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8708% | 1,570 |
| Memoranda: | ||
| Average total assets | $298,662,250 | 2,463 |
| Average earning assets | $268,400,750 | 2,505 |
| Average equity | $29,154,250 | 2,405 |
| Average total loans | $197,869,250 | 2,374 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5363% | 608 |
| Cost of funding earning assets | 0.6565% | 4,281 |
| Net interest margin | 5.8797% | 128 |
| Noninterest income to average assets | 1.9100% | 265 |
| Noninterest expense to average assets | 3.8552% | 409 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 3.1691% | 137 |
| Return on assets (ROA) | 3.1337% | 143 |
| Pretax return on assets | 3.1337% | 188 |
| Return on Equity (ROE) | 33.0400% | 104 |
| Retained earnings to average equity (ytd only) | 19.3646% | 136 |
| Net charge-offs to loans | 0.0881% | 932 |
| Credit loss provision to net charge-offs | 332.5581% | 781 |
| Earnings coverage of net charge-offs (x) | 58.0581% | 1,028 |
| Efficiency ratio | 53.6613% | 3,778 |
| Assets per employee ($millions) | 5.0888% | 3,557 |
| Cash dividends to net income (ytd only)* | 41.3830% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 765 |
| Loan loss allowance to noncurrent loans | 1,330.4688% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 1,140 |
| Noncurrent loans to loans | 0.1239% | 3,034 |
| Net loans and leases to total assets | 68.8500% | 2,032 |
| Net loans and leases to deposits | 78.2820% | 2,351 |
| Net loans and leases to core deposits | 80.5147% | 2,780 |
| Total domestic deposits to total assets | 87.9600% | 1,342 |
| Equity capital to assets | 10.0864% | 2,020 |
| Core capital (leverage) ratio | 11.1668% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7623% | 1,602 |
| Memoranda: | ||
| Average total assets | $299,961,000 | 2,449 |
| Average earning assets | $269,297,333 | 2,498 |
| Average equity | $28,454,000 | 2,415 |
| Average total loans | $195,329,333 | 2,386 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3633% | 680 |
| Cost of funding earning assets | 0.6741% | 4,266 |
| Net interest margin | 5.6892% | 158 |
| Noninterest income to average assets | 1.8400% | 262 |
| Noninterest expense to average assets | 3.8192% | 417 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 2.8932% | 178 |
| Return on assets (ROA) | 2.8932% | 178 |
| Pretax return on assets | 2.8932% | 236 |
| Return on Equity (ROE) | 31.4700% | 121 |
| Retained earnings to average equity (ytd only) | 31.4722% | 55 |
| Net charge-offs to loans | 0.1940% | 457 |
| Credit loss provision to net charge-offs | 171.7391% | 882 |
| Earnings coverage of net charge-offs (x) | 25.4891% | 1,236 |
| Efficiency ratio | 55.1797% | 3,664 |
| Assets per employee ($millions) | 5.0666% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 685 |
| Loan loss allowance to noncurrent loans | 1,550.7109% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 1,117 |
| Noncurrent loans to loans | 0.1093% | 3,069 |
| Net loans and leases to total assets | 63.5100% | 2,520 |
| Net loans and leases to deposits | 71.8870% | 2,751 |
| Net loans and leases to core deposits | 73.8008% | 3,121 |
| Total domestic deposits to total assets | 88.3400% | 1,310 |
| Equity capital to assets | 9.6521% | 2,226 |
| Core capital (leverage) ratio | 10.7339% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2832% | 1,460 |
| Memoranda: | ||
| Average total assets | $302,366,000 | 2,446 |
| Average earning assets | $269,986,500 | 2,504 |
| Average equity | $27,796,000 | 2,455 |
| Average total loans | $189,679,000 | 2,429 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1589% | 528 |
| Cost of funding earning assets | 0.4281% | 4,266 |
| Net interest margin | 5.7309% | 146 |
| Noninterest income to average assets | 1.7000% | 324 |
| Noninterest expense to average assets | 3.6396% | 485 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 3.0979% | 146 |
| Return on assets (ROA) | 3.0979% | 143 |
| Pretax return on assets | 3.0979% | 187 |
| Return on Equity (ROE) | 36.6300% | 109 |
| Retained earnings to average equity (ytd only) | 14.7461% | 341 |
| Net charge-offs to loans | 0.3063% | 352 |
| Credit loss provision to net charge-offs | 85.5357% | 1,978 |
| Earnings coverage of net charge-offs (x) | 17.1232% | 1,979 |
| Efficiency ratio | 52.7449% | 3,772 |
| Assets per employee ($millions) | 5.5600% | 3,198 |
| Cash dividends to net income (ytd only)* | 59.7475% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 628 |
| Loan loss allowance to noncurrent loans | 890.5556% | 977 |
| Noncurrent assets plus other real estate owned to assets | 1.0360% | 472 |
| Noncurrent loans to loans | 0.1933% | 2,544 |
| Net loans and leases to total assets | 59.8600% | 2,852 |
| Net loans and leases to deposits | 66.4710% | 3,142 |
| Net loans and leases to core deposits | 68.2028% | 3,394 |
| Total domestic deposits to total assets | 90.0500% | 744 |
| Equity capital to assets | 8.7439% | 2,868 |
| Core capital (leverage) ratio | 9.9097% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2763% | 1,769 |
| Memoranda: | ||
| Average total assets | $294,071,400 | 2,451 |
| Average earning assets | $266,783,200 | 2,479 |
| Average equity | $24,867,600 | 2,529 |
| Average total loans | $182,815,600 | 2,422 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0312% | 513 |
| Cost of funding earning assets | 0.3803% | 4,277 |
| Net interest margin | 5.6509% | 154 |
| Noninterest income to average assets | 1.5900% | 370 |
| Noninterest expense to average assets | 3.5547% | 515 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 3.0221% | 175 |
| Return on assets (ROA) | 3.0221% | 178 |
| Pretax return on assets | 3.0221% | 228 |
| Return on Equity (ROE) | 36.0600% | 151 |
| Retained earnings to average equity (ytd only) | 21.7428% | 203 |
| Net charge-offs to loans | 0.1612% | 528 |
| Credit loss provision to net charge-offs | 192.2727% | 1,150 |
| Earnings coverage of net charge-offs (x) | 31.9182% | 1,563 |
| Efficiency ratio | 52.5027% | 3,716 |
| Assets per employee ($millions) | 5.2664% | 3,373 |
| Cash dividends to net income (ytd only)* | 39.7030% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 534 |
| Loan loss allowance to noncurrent loans | 33.6256% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 3.5867% | 45 |
| Noncurrent loans to loans | 5.4405% | 45 |
| Net loans and leases to total assets | 64.6600% | 2,372 |
| Net loans and leases to deposits | 72.1662% | 2,698 |
| Net loans and leases to core deposits | 74.1485% | 2,988 |
| Total domestic deposits to total assets | 89.6000% | 1,040 |
| Equity capital to assets | 8.9183% | 2,469 |
| Core capital (leverage) ratio | 10.3529% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3480% | 1,772 |
| Memoranda: | ||
| Average total assets | $291,139,000 | 2,473 |
| Average earning assets | $266,783,000 | 2,483 |
| Average equity | $24,399,750 | 2,538 |
| Average total loans | $181,958,000 | 2,428 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9085% | 498 |
| Cost of funding earning assets | 0.3466% | 4,245 |
| Net interest margin | 5.5619% | 164 |
| Noninterest income to average assets | 1.5100% | 324 |
| Noninterest expense to average assets | 3.4427% | 575 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 2.9612% | 158 |
| Return on assets (ROA) | 2.9612% | 155 |
| Pretax return on assets | 2.9612% | 214 |
| Return on Equity (ROE) | 36.1000% | 136 |
| Retained earnings to average equity (ytd only) | 23.3756% | 158 |
| Net charge-offs to loans | 0.0034% | 2,199 |
| Credit loss provision to net charge-offs | 9,666.6667% | 57 |
| Earnings coverage of net charge-offs (x) | 1,536.0000% | 90 |
| Efficiency ratio | 52.1396% | 3,761 |
| Assets per employee ($millions) | 5.1535% | 3,454 |
| Cash dividends to net income (ytd only)* | 35.2478% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9266% | 478 |
| Loan loss allowance to noncurrent loans | 33.5429% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 3.8244% | 41 |
| Noncurrent loans to loans | 5.7438% | 40 |
| Net loans and leases to total assets | 64.1900% | 2,360 |
| Net loans and leases to deposits | 71.5846% | 2,680 |
| Net loans and leases to core deposits | 73.5698% | 2,921 |
| Total domestic deposits to total assets | 89.6600% | 1,029 |
| Equity capital to assets | 8.8131% | 2,651 |
| Core capital (leverage) ratio | 9.9506% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0501% | 1,876 |
| Memoranda: | ||
| Average total assets | $291,634,333 | 2,477 |
| Average earning assets | $267,173,333 | 2,490 |
| Average equity | $23,922,333 | 2,575 |
| Average total loans | $179,020,000 | 2,449 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8671% | 378 |
| Cost of funding earning assets | 0.3434% | 4,097 |
| Net interest margin | 5.5237% | 147 |
| Noninterest income to average assets | 1.3300% | 377 |
| Noninterest expense to average assets | 3.1975% | 802 |
| Loan and lease loss provision to assets | 0.3700% | 219 |
| Net operating income to assets | 2.8377% | 176 |
| Return on assets (ROA) | 2.8377% | 173 |
| Pretax return on assets | 2.8377% | 242 |
| Return on Equity (ROE) | 35.8700% | 148 |
| Retained earnings to average equity (ytd only) | 35.8732% | 78 |
| Net charge-offs to loans | -0.0023% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.9577% | 3,939 |
| Assets per employee ($millions) | 5.2848% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0090% | 429 |
| Loan loss allowance to noncurrent loans | 62.2028% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 2.0315% | 121 |
| Noncurrent loans to loans | 3.2297% | 130 |
| Net loans and leases to total assets | 59.7100% | 2,691 |
| Net loans and leases to deposits | 66.3917% | 2,897 |
| Net loans and leases to core deposits | 68.1034% | 3,094 |
| Total domestic deposits to total assets | 89.9300% | 1,180 |
| Equity capital to assets | 8.4671% | 2,921 |
| Core capital (leverage) ratio | 9.1155% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2074% | 1,906 |
| Memoranda: | ||
| Average total assets | $295,730,000 | 2,490 |
| Average earning assets | $271,413,500 | 2,498 |
| Average equity | $23,393,500 | 2,631 |
| Average total loans | $175,778,000 | 2,502 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 598 |
| Cost of funding earning assets | 0.1670% | 4,016 |
| Net interest margin | 4.4510% | 320 |
| Noninterest income to average assets | 1.6900% | 302 |
| Noninterest expense to average assets | 3.5198% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.2070% | 211 |
| Return on assets (ROA) | 2.2070% | 202 |
| Pretax return on assets | 2.2070% | 315 |
| Return on Equity (ROE) | 26.2200% | 175 |
| Retained earnings to average equity (ytd only) | 6.6187% | 2,402 |
| Net charge-offs to loans | -0.0038% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.4625% | 2,844 |
| Assets per employee ($millions) | 5.2771% | 3,445 |
| Cash dividends to net income (ytd only)* | 74.7603% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 558 |
| Loan loss allowance to noncurrent loans | 61.5658% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.8365% | 140 |
| Noncurrent loans to loans | 3.0605% | 136 |
| Net loans and leases to total assets | 56.9000% | 2,928 |
| Net loans and leases to deposits | 62.4052% | 3,166 |
| Net loans and leases to core deposits | 63.8368% | 3,272 |
| Total domestic deposits to total assets | 91.1800% | 883 |
| Equity capital to assets | 7.3725% | 3,457 |
| Core capital (leverage) ratio | 8.6769% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2266% | 2,274 |
| Memoranda: | ||
| Average total assets | $274,132,400 | 2,580 |
| Average earning assets | $248,440,000 | 2,624 |
| Average equity | $23,071,000 | 2,697 |
| Average total loans | $157,237,200 | 2,561 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 700 |
| Cost of funding earning assets | 0.1342% | 3,995 |
| Net interest margin | 4.1871% | 434 |
| Noninterest income to average assets | 1.7000% | 316 |
| Noninterest expense to average assets | 3.5443% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9376% | 322 |
| Return on assets (ROA) | 1.9376% | 319 |
| Pretax return on assets | 1.9376% | 537 |
| Return on Equity (ROE) | 22.2500% | 281 |
| Retained earnings to average equity (ytd only) | 10.4914% | 1,202 |
| Net charge-offs to loans | -0.0044% | 3,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.6540% | 2,462 |
| Assets per employee ($millions) | 4.8214% | 3,827 |
| Cash dividends to net income (ytd only)* | 52.8428% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 427 |
| Loan loss allowance to noncurrent loans | 62.1995% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.9897% | 132 |
| Noncurrent loans to loans | 3.3478% | 136 |
| Net loans and leases to total assets | 56.2300% | 2,882 |
| Net loans and leases to deposits | 62.3512% | 2,996 |
| Net loans and leases to core deposits | 64.2060% | 3,095 |
| Total domestic deposits to total assets | 90.1800% | 1,579 |
| Equity capital to assets | 8.0954% | 2,841 |
| Core capital (leverage) ratio | 9.4909% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3665% | 1,916 |
| Memoranda: | ||
| Average total assets | $267,466,750 | 2,640 |
| Average earning assets | $241,498,250 | 2,679 |
| Average equity | $23,294,750 | 2,721 |
| Average total loans | $152,934,000 | 2,606 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 823 |
| Cost of funding earning assets | 0.1192% | 3,973 |
| Net interest margin | 3.9493% | 557 |
| Noninterest income to average assets | 1.6482% | 294 |
| Noninterest expense to average assets | 3.5032% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6950% | 433 |
| Return on assets (ROA) | 1.6950% | 427 |
| Pretax return on assets | 1.6950% | 761 |
| Return on Equity (ROE) | 18.9987% | 386 |
| Retained earnings to average equity (ytd only) | 10.8697% | 800 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3926% | 2,321 |
| Assets per employee ($millions) | 4.6379% | 3,982 |
| Cash dividends to net income (ytd only)* | 42.7872% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1866% | 389 |
| Loan loss allowance to noncurrent loans | 61.9173% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 2.0744% | 132 |
| Noncurrent loans to loans | 3.5315% | 120 |
| Net loans and leases to total assets | 55.5188% | 2,804 |
| Net loans and leases to deposits | 61.9369% | 2,890 |
| Net loans and leases to core deposits | 63.6426% | 2,999 |
| Total domestic deposits to total assets | 89.6377% | 1,878 |
| Equity capital to assets | 8.5712% | 2,706 |
| Core capital (leverage) ratio | 9.6088% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3158% | 1,625 |
| Memoranda: | ||
| Average total assets | $265,015,000 | 2,679 |
| Average earning assets | $238,218,333 | 2,734 |
| Average equity | $23,643,667 | 2,768 |
| Average total loans | $151,310,000 | 2,627 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 1,156 |
| Cost of funding earning assets | 0.1111% | 3,996 |
| Net interest margin | 3.6510% | 818 |
| Noninterest income to average assets | 1.5889% | 329 |
| Noninterest expense to average assets | 3.3979% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4592% | 698 |
| Return on assets (ROA) | 1.4592% | 691 |
| Pretax return on assets | 1.4592% | 1,103 |
| Return on Equity (ROE) | 16.0424% | 526 |
| Retained earnings to average equity (ytd only) | 16.0424% | 227 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9565% | 2,240 |
| Assets per employee ($millions) | 4.6569% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2003% | 438 |
| Loan loss allowance to noncurrent loans | 62.5429% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 2.0460% | 135 |
| Noncurrent loans to loans | 3.5180% | 126 |
| Net loans and leases to total assets | 54.9418% | 2,642 |
| Net loans and leases to deposits | 61.5231% | 2,756 |
| Net loans and leases to core deposits | 63.1508% | 2,873 |
| Total domestic deposits to total assets | 89.3027% | 1,924 |
| Equity capital to assets | 9.0476% | 2,672 |
| Core capital (leverage) ratio | 9.5990% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9568% | 1,815 |
| Memoranda: | ||
| Average total assets | $265,342,000 | 2,690 |
| Average earning assets | $237,524,500 | 2,751 |
| Average equity | $24,136,000 | 2,831 |
| Average total loans | $151,939,500 | 2,616 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 705 |
| Cost of funding earning assets | 0.1303% | 4,154 |
| Net interest margin | 4.2797% | 425 |
| Noninterest income to average assets | 2.1002% | 289 |
| Noninterest expense to average assets | 3.4837% | 486 |
| Loan and lease loss provision to assets | 0.0289% | 2,479 |
| Net operating income to assets | 2.4295% | 174 |
| Return on assets (ROA) | 2.4295% | 179 |
| Pretax return on assets | 2.4295% | 284 |
| Return on Equity (ROE) | 24.8097% | 128 |
| Retained earnings to average equity (ytd only) | 2.8580% | 3,699 |
| Net charge-offs to loans | 0.0357% | 1,532 |
| Credit loss provision to net charge-offs | 128.0702% | 1,596 |
| Earnings coverage of net charge-offs (x) | 109.1053% | 837 |
| Efficiency ratio | 58.6283% | 3,341 |
| Assets per employee ($millions) | 4.6534% | 3,999 |
| Cash dividends to net income (ytd only)* | 88.4803% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1201% | 500 |
| Loan loss allowance to noncurrent loans | 62.3883% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 151 |
| Noncurrent loans to loans | 3.3982% | 152 |
| Net loans and leases to total assets | 57.1095% | 2,467 |
| Net loans and leases to deposits | 63.7629% | 2,704 |
| Net loans and leases to core deposits | 65.4900% | 2,864 |
| Total domestic deposits to total assets | 89.5654% | 1,197 |
| Equity capital to assets | 9.1448% | 3,463 |
| Core capital (leverage) ratio | 9.2832% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3689% | 2,502 |
| Memoranda: | ||
| Average total assets | $252,974,600 | 2,704 |
| Average earning assets | $227,096,000 | 2,765 |
| Average equity | $24,772,600 | 2,866 |
| Average total loans | $159,743,200 | 2,545 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 597 |
| Cost of funding earning assets | 0.1338% | 4,239 |
| Net interest margin | 4.4374% | 347 |
| Noninterest income to average assets | 2.1687% | 305 |
| Noninterest expense to average assets | 3.4492% | 494 |
| Loan and lease loss provision to assets | 0.0864% | 1,375 |
| Net operating income to assets | 2.6324% | 187 |
| Return on assets (ROA) | 2.6324% | 190 |
| Pretax return on assets | 2.6324% | 274 |
| Return on Equity (ROE) | 26.4178% | 141 |
| Retained earnings to average equity (ytd only) | 13.2625% | 601 |
| Net charge-offs to loans | 0.0099% | 1,951 |
| Credit loss provision to net charge-offs | 1,350.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 424.6667% | 341 |
| Efficiency ratio | 55.9208% | 3,540 |
| Assets per employee ($millions) | 4.5651% | 4,077 |
| Cash dividends to net income (ytd only)* | 49.7973% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1134% | 523 |
| Loan loss allowance to noncurrent loans | 60.5496% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 2.1675% | 159 |
| Noncurrent loans to loans | 3.4904% | 165 |
| Net loans and leases to total assets | 60.7864% | 2,164 |
| Net loans and leases to deposits | 68.7108% | 2,368 |
| Net loans and leases to core deposits | 70.9777% | 2,514 |
| Total domestic deposits to total assets | 88.4669% | 1,584 |
| Equity capital to assets | 10.1088% | 2,798 |
| Core capital (leverage) ratio | 10.2807% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3294% | 2,249 |
| Memoranda: | ||
| Average total assets | $249,907,500 | 2,745 |
| Average earning assets | $225,231,500 | 2,802 |
| Average equity | $24,901,750 | 2,893 |
| Average total loans | $160,989,000 | 2,573 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 441 |
| Cost of funding earning assets | 0.1400% | 4,279 |
| Net interest margin | 4.7058% | 260 |
| Noninterest income to average assets | 1.7787% | 396 |
| Noninterest expense to average assets | 3.4097% | 527 |
| Loan and lease loss provision to assets | 0.3335% | 235 |
| Net operating income to assets | 2.2639% | 299 |
| Return on assets (ROA) | 2.2639% | 318 |
| Pretax return on assets | 2.2639% | 511 |
| Return on Equity (ROE) | 22.8367% | 271 |
| Retained earnings to average equity (ytd only) | 12.7935% | 761 |
| Net charge-offs to loans | 0.0149% | 1,649 |
| Credit loss provision to net charge-offs | 3,425.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 266.7500% | 412 |
| Efficiency ratio | 56.7608% | 3,438 |
| Assets per employee ($millions) | 4.4025% | 4,179 |
| Cash dividends to net income (ytd only)* | 43.9785% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2654% | 388 |
| Loan loss allowance to noncurrent loans | 66.0537% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 2.2105% | 179 |
| Noncurrent loans to loans | 3.4297% | 184 |
| Net loans and leases to total assets | 62.9913% | 2,066 |
| Net loans and leases to deposits | 71.0320% | 2,298 |
| Net loans and leases to core deposits | 73.3896% | 2,470 |
| Total domestic deposits to total assets | 88.6802% | 1,461 |
| Equity capital to assets | 9.9733% | 2,875 |
| Core capital (leverage) ratio | 9.8775% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8861% | 2,407 |
| Memoranda: | ||
| Average total assets | $246,474,000 | 2,760 |
| Average earning assets | $221,473,667 | 2,821 |
| Average equity | $24,434,333 | 2,912 |
| Average total loans | $160,790,000 | 2,592 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2321% | 258 |
| Cost of funding earning assets | 0.1483% | 4,315 |
| Net interest margin | 5.0838% | 168 |
| Noninterest income to average assets | 1.8441% | 421 |
| Noninterest expense to average assets | 3.3033% | 606 |
| Loan and lease loss provision to assets | 0.4012% | 192 |
| Net operating income to assets | 2.6859% | 203 |
| Return on assets (ROA) | 2.6859% | 227 |
| Pretax return on assets | 2.6859% | 337 |
| Return on Equity (ROE) | 27.1771% | 199 |
| Retained earnings to average equity (ytd only) | 27.1771% | 105 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6914% | 4,026 |
| Assets per employee ($millions) | 4.3167% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1722% | 443 |
| Loan loss allowance to noncurrent loans | 63.5064% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 2.2075% | 210 |
| Noncurrent loans to loans | 3.4204% | 204 |
| Net loans and leases to total assets | 63.1379% | 2,153 |
| Net loans and leases to deposits | 71.1901% | 2,399 |
| Net loans and leases to core deposits | 73.8980% | 2,524 |
| Total domestic deposits to total assets | 88.6892% | 1,512 |
| Equity capital to assets | 9.9225% | 2,775 |
| Core capital (leverage) ratio | 10.1051% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7908% | 2,376 |
| Memoranda: | ||
| Average total assets | $244,240,500 | 2,761 |
| Average earning assets | $218,420,000 | 2,833 |
| Average equity | $24,138,000 | 2,918 |
| Average total loans | $160,317,500 | 2,600 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 588 |
| Cost of funding earning assets | 0.1986% | 4,587 |
| Net interest margin | 4.7100% | 211 |
| Noninterest income to average assets | 1.9873% | 333 |
| Noninterest expense to average assets | 3.7705% | 474 |
| Loan and lease loss provision to assets | 0.4236% | 699 |
| Net operating income to assets | 1.9804% | 274 |
| Return on assets (ROA) | 1.9856% | 290 |
| Pretax return on assets | 1.9856% | 468 |
| Return on Equity (ROE) | 19.6719% | 249 |
| Retained earnings to average equity (ytd only) | 3.2262% | 3,215 |
| Net charge-offs to loans | 0.0292% | 2,443 |
| Credit loss provision to net charge-offs | 2,240.9091% | 407 |
| Earnings coverage of net charge-offs (x) | 127.1818% | 672 |
| Efficiency ratio | 61.0659% | 3,302 |
| Assets per employee ($millions) | 4.1053% | 4,288 |
| Cash dividends to net income (ytd only)* | 83.6002% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0529% | 531 |
| Loan loss allowance to noncurrent loans | 60.3959% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 2.2704% | 225 |
| Noncurrent loans to loans | 3.3990% | 220 |
| Net loans and leases to total assets | 65.4240% | 2,165 |
| Net loans and leases to deposits | 73.5288% | 2,532 |
| Net loans and leases to core deposits | 76.3625% | 2,699 |
| Total domestic deposits to total assets | 88.9774% | 997 |
| Equity capital to assets | 9.8412% | 3,272 |
| Core capital (leverage) ratio | 9.4539% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1200% | 2,582 |
| Memoranda: | ||
| Average total assets | $232,779,800 | 2,699 |
| Average earning assets | $206,943,200 | 2,769 |
| Average equity | $23,495,400 | 2,907 |
| Average total loans | $150,601,800 | 2,659 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 508 |
| Cost of funding earning assets | 0.2056% | 4,652 |
| Net interest margin | 4.8888% | 169 |
| Noninterest income to average assets | 1.9926% | 318 |
| Noninterest expense to average assets | 3.8487% | 435 |
| Loan and lease loss provision to assets | 0.4252% | 789 |
| Net operating income to assets | 2.0750% | 254 |
| Return on assets (ROA) | 2.0819% | 273 |
| Pretax return on assets | 2.0819% | 436 |
| Return on Equity (ROE) | 20.4949% | 225 |
| Retained earnings to average equity (ytd only) | 9.9582% | 768 |
| Net charge-offs to loans | 0.0404% | 2,049 |
| Credit loss provision to net charge-offs | 1,640.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 96.4444% | 813 |
| Efficiency ratio | 60.6206% | 3,286 |
| Assets per employee ($millions) | 4.1133% | 4,226 |
| Cash dividends to net income (ytd only)* | 51.4112% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9458% | 546 |
| Loan loss allowance to noncurrent loans | 55.8208% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.2263% | 269 |
| Noncurrent loans to loans | 3.4858% | 233 |
| Net loans and leases to total assets | 62.6264% | 2,926 |
| Net loans and leases to deposits | 70.9236% | 3,224 |
| Net loans and leases to core deposits | 73.6365% | 3,346 |
| Total domestic deposits to total assets | 88.3013% | 1,061 |
| Equity capital to assets | 10.1024% | 3,144 |
| Core capital (leverage) ratio | 9.7948% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8985% | 2,247 |
| Memoranda: | ||
| Average total assets | $231,447,250 | 2,694 |
| Average earning assets | $206,235,750 | 2,756 |
| Average equity | $23,511,000 | 2,901 |
| Average total loans | $148,490,750 | 2,681 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5771% | 291 |
| Cost of funding earning assets | 0.2218% | 4,700 |
| Net interest margin | 5.3553% | 108 |
| Noninterest income to average assets | 1.7866% | 344 |
| Noninterest expense to average assets | 4.0369% | 395 |
| Loan and lease loss provision to assets | 0.5077% | 693 |
| Net operating income to assets | 1.9921% | 340 |
| Return on assets (ROA) | 2.0026% | 370 |
| Pretax return on assets | 2.0026% | 540 |
| Return on Equity (ROE) | 19.6758% | 260 |
| Retained earnings to average equity (ytd only) | 13.5401% | 306 |
| Net charge-offs to loans | 0.0588% | 1,662 |
| Credit loss provision to net charge-offs | 1,344.1860% | 652 |
| Earnings coverage of net charge-offs (x) | 66.1860% | 910 |
| Efficiency ratio | 61.7576% | 3,164 |
| Assets per employee ($millions) | 4.4066% | 3,906 |
| Cash dividends to net income (ytd only)* | 31.1842% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 580 |
| Loan loss allowance to noncurrent loans | 51.8693% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.2329% | 289 |
| Noncurrent loans to loans | 3.5831% | 216 |
| Net loans and leases to total assets | 61.1578% | 3,197 |
| Net loans and leases to deposits | 68.7779% | 3,505 |
| Net loans and leases to core deposits | 71.1039% | 3,639 |
| Total domestic deposits to total assets | 88.9208% | 778 |
| Equity capital to assets | 9.7626% | 3,411 |
| Core capital (leverage) ratio | 9.4490% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5349% | 2,381 |
| Memoranda: | ||
| Average total assets | $227,701,333 | 2,696 |
| Average earning assets | $201,969,667 | 2,764 |
| Average equity | $23,175,667 | 2,918 |
| Average total loans | $146,320,667 | 2,687 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4523% | 413 |
| Cost of funding earning assets | 0.2418% | 4,790 |
| Net interest margin | 5.2105% | 142 |
| Noninterest income to average assets | 1.6758% | 326 |
| Noninterest expense to average assets | 4.1124% | 444 |
| Loan and lease loss provision to assets | 0.6399% | 422 |
| Net operating income to assets | 1.5071% | 769 |
| Return on assets (ROA) | 1.5291% | 796 |
| Pretax return on assets | 1.5291% | 1,235 |
| Return on Equity (ROE) | 14.6844% | 591 |
| Retained earnings to average equity (ytd only) | 14.6844% | 210 |
| Net charge-offs to loans | 0.1206% | 986 |
| Credit loss provision to net charge-offs | 811.6279% | 659 |
| Earnings coverage of net charge-offs (x) | 27.2326% | 1,237 |
| Efficiency ratio | 65.7001% | 3,008 |
| Assets per employee ($millions) | 3.9537% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 721 |
| Loan loss allowance to noncurrent loans | 47.9132% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.4783% | 280 |
| Noncurrent loans to loans | 3.7419% | 228 |
| Net loans and leases to total assets | 65.0428% | 2,938 |
| Net loans and leases to deposits | 73.7667% | 3,293 |
| Net loans and leases to core deposits | 76.4690% | 3,464 |
| Total domestic deposits to total assets | 88.1737% | 1,030 |
| Equity capital to assets | 10.4072% | 3,408 |
| Core capital (leverage) ratio | 10.6567% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8791% | 2,338 |
| Memoranda: | ||
| Average total assets | $218,168,000 | 2,727 |
| Average earning assets | $191,920,000 | 2,815 |
| Average equity | $22,718,000 | 2,946 |
| Average total loans | $142,593,000 | 2,705 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 1,204 |
| Cost of funding earning assets | 0.2135% | 4,928 |
| Net interest margin | 4.8916% | 335 |
| Noninterest income to average assets | 2.5794% | 194 |
| Noninterest expense to average assets | 4.0522% | 500 |
| Loan and lease loss provision to assets | 0.0905% | 2,215 |
| Net operating income to assets | 2.7837% | 95 |
| Return on assets (ROA) | 2.7855% | 98 |
| Pretax return on assets | 2.7855% | 131 |
| Return on Equity (ROE) | 26.8678% | 55 |
| Retained earnings to average equity (ytd only) | 2.2662% | 3,882 |
| Net charge-offs to loans | -0.0606% | 4,856 |
| Credit loss provision to net charge-offs | -247.5000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5033% | 3,913 |
| Assets per employee ($millions) | 3.9078% | 4,019 |
| Cash dividends to net income (ytd only)* | 91.5655% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6767% | 837 |
| Loan loss allowance to noncurrent loans | 39.3395% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 2.7474% | 208 |
| Noncurrent loans to loans | 4.2620% | 147 |
| Net loans and leases to total assets | 63.3813% | 3,267 |
| Net loans and leases to deposits | 71.9076% | 3,527 |
| Net loans and leases to core deposits | 73.6823% | 3,745 |
| Total domestic deposits to total assets | 88.1427% | 1,064 |
| Equity capital to assets | 10.4192% | 3,518 |
| Core capital (leverage) ratio | 9.9362% | 3,586 |
| Tier 1 risk-based capital ratio | 12.5160% | 4,060 |
| Total risk-based capital ratio | 13.7705% | 3,939 |
| Memoranda: | ||
| Average total assets | $218,772,600 | 2,669 |
| Average earning assets | $194,414,000 | 2,755 |
| Average equity | $22,681,400 | 2,897 |
| Average total loans | $132,007,000 | 2,800 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 1,319 |
| Cost of funding earning assets | 0.2081% | 5,019 |
| Net interest margin | 4.8755% | 363 |
| Noninterest income to average assets | 2.8033% | 168 |
| Noninterest expense to average assets | 4.1006% | 472 |
| Loan and lease loss provision to assets | 0.0443% | 3,024 |
| Net operating income to assets | 3.0078% | 84 |
| Return on assets (ROA) | 3.0102% | 88 |
| Pretax return on assets | 3.0102% | 115 |
| Return on Equity (ROE) | 29.0706% | 45 |
| Retained earnings to average equity (ytd only) | 9.6687% | 841 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3295% | 4,026 |
| Assets per employee ($millions) | 4.0084% | 3,890 |
| Cash dividends to net income (ytd only)* | 66.7406% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,105 |
| Loan loss allowance to noncurrent loans | 36.2423% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.6035% | 249 |
| Noncurrent loans to loans | 4.2890% | 148 |
| Net loans and leases to total assets | 59.7570% | 3,699 |
| Net loans and leases to deposits | 68.0911% | 3,910 |
| Net loans and leases to core deposits | 69.1020% | 4,096 |
| Total domestic deposits to total assets | 87.7604% | 1,143 |
| Equity capital to assets | 10.4005% | 3,637 |
| Core capital (leverage) ratio | 10.2127% | 3,409 |
| Tier 1 risk-based capital ratio | 12.9263% | 3,893 |
| Total risk-based capital ratio | 14.1799% | 3,782 |
| Memoranda: | ||
| Average total assets | $219,733,000 | 2,685 |
| Average earning assets | $196,022,250 | 2,760 |
| Average equity | $22,753,250 | 2,910 |
| Average total loans | $130,371,500 | 2,849 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0226% | 1,421 |
| Cost of funding earning assets | 0.2069% | 5,059 |
| Net interest margin | 4.8157% | 396 |
| Noninterest income to average assets | 3.1565% | 141 |
| Noninterest expense to average assets | 4.0128% | 531 |
| Loan and lease loss provision to assets | 0.1082% | 1,734 |
| Net operating income to assets | 3.3252% | 71 |
| Return on assets (ROA) | 3.3252% | 76 |
| Pretax return on assets | 3.3252% | 94 |
| Return on Equity (ROE) | 32.1604% | 35 |
| Retained earnings to average equity (ytd only) | 21.6797% | 46 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8907% | 4,484 |
| Assets per employee ($millions) | 3.9096% | 3,981 |
| Cash dividends to net income (ytd only)* | 32.5889% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 955 |
| Loan loss allowance to noncurrent loans | 37.5325% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.6323% | 268 |
| Noncurrent loans to loans | 4.3568% | 146 |
| Net loans and leases to total assets | 59.4296% | 3,791 |
| Net loans and leases to deposits | 67.7783% | 3,983 |
| Net loans and leases to core deposits | 68.8077% | 4,168 |
| Total domestic deposits to total assets | 87.6824% | 1,254 |
| Equity capital to assets | 10.9625% | 3,105 |
| Core capital (leverage) ratio | 10.7169% | 2,881 |
| Tier 1 risk-based capital ratio | 13.1112% | 3,779 |
| Total risk-based capital ratio | 14.3638% | 3,684 |
| Memoranda: | ||
| Average total assets | $218,154,330 | 2,706 |
| Average earning assets | $194,322,000 | 2,787 |
| Average equity | $22,555,670 | 2,920 |
| Average total loans | $128,410,670 | 2,890 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 1,454 |
| Cost of funding earning assets | 0.2170% | 5,078 |
| Net interest margin | 4.7395% | 455 |
| Noninterest income to average assets | 2.7259% | 165 |
| Noninterest expense to average assets | 4.0062% | 532 |
| Loan and lease loss provision to assets | 0.1231% | 1,427 |
| Net operating income to assets | 2.8086% | 98 |
| Return on assets (ROA) | 2.8086% | 108 |
| Pretax return on assets | 2.8086% | 154 |
| Return on Equity (ROE) | 28.0126% | 62 |
| Retained earnings to average equity (ytd only) | 28.0126% | 32 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7442% | 4,116 |
| Assets per employee ($millions) | 3.7824% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,002 |
| Loan loss allowance to noncurrent loans | 39.8942% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 2.4132% | 330 |
| Noncurrent loans to loans | 4.0990% | 178 |
| Net loans and leases to total assets | 57.9093% | 3,901 |
| Net loans and leases to deposits | 65.5657% | 4,088 |
| Net loans and leases to core deposits | 66.5493% | 4,256 |
| Total domestic deposits to total assets | 88.3226% | 1,171 |
| Equity capital to assets | 10.3350% | 3,488 |
| Core capital (leverage) ratio | 10.4663% | 3,085 |
| Tier 1 risk-based capital ratio | 12.9145% | 3,920 |
| Total risk-based capital ratio | 14.1666% | 3,814 |
| Memoranda: | ||
| Average total assets | $217,762,500 | 2,737 |
| Average earning assets | $193,523,000 | 2,819 |
| Average equity | $21,833,000 | 2,989 |
| Average total loans | $126,477,500 | 2,944 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0029% | 1,042 |
| Cost of funding earning assets | 0.1841% | 5,064 |
| Net interest margin | 4.8188% | 382 |
| Noninterest income to average assets | 2.7553% | 172 |
| Noninterest expense to average assets | 3.9741% | 555 |
| Loan and lease loss provision to assets | 0.1437% | 1,495 |
| Net operating income to assets | 2.9126% | 89 |
| Return on assets (ROA) | 2.9126% | 88 |
| Pretax return on assets | 2.9126% | 105 |
| Return on Equity (ROE) | 27.4754% | 57 |
| Retained earnings to average equity (ytd only) | 3.8641% | 3,456 |
| Net charge-offs to loans | 0.1295% | 1,457 |
| Credit loss provision to net charge-offs | 189.4040% | 1,510 |
| Earnings coverage of net charge-offs (x) | 40.2715% | 1,297 |
| Efficiency ratio | 56.5270% | 4,344 |
| Assets per employee ($millions) | 3.8597% | 4,091 |
| Cash dividends to net income (ytd only)* | 85.9362% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 1,016 |
| Loan loss allowance to noncurrent loans | 36.6667% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.5122% | 299 |
| Noncurrent loans to loans | 4.3861% | 149 |
| Net loans and leases to total assets | 56.3559% | 4,108 |
| Net loans and leases to deposits | 63.1988% | 4,301 |
| Net loans and leases to core deposits | 64.2515% | 4,441 |
| Total domestic deposits to total assets | 89.1725% | 793 |
| Equity capital to assets | 9.7125% | 3,940 |
| Core capital (leverage) ratio | 9.8000% | 3,795 |
| Tier 1 risk-based capital ratio | 12.5183% | 4,122 |
| Total risk-based capital ratio | 13.7700% | 3,996 |
| Memoranda: | ||
| Average total assets | $198,963,200 | 2,885 |
| Average earning assets | $176,517,800 | 2,963 |
| Average equity | $21,091,600 | 2,981 |
| Average total loans | $116,642,600 | 3,033 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 1,033 |
| Cost of funding earning assets | 0.1728% | 5,127 |
| Net interest margin | 4.7823% | 389 |
| Noninterest income to average assets | 2.8999% | 166 |
| Noninterest expense to average assets | 3.9985% | 530 |
| Loan and lease loss provision to assets | 0.1904% | 932 |
| Net operating income to assets | 2.9581% | 81 |
| Return on assets (ROA) | 2.9581% | 81 |
| Pretax return on assets | 2.9581% | 117 |
| Return on Equity (ROE) | 27.2706% | 52 |
| Retained earnings to average equity (ytd only) | 10.6582% | 731 |
| Net charge-offs to loans | 0.0267% | 2,577 |
| Credit loss provision to net charge-offs | 1,208.6957% | 337 |
| Earnings coverage of net charge-offs (x) | 199.8428% | 439 |
| Efficiency ratio | 55.9463% | 4,396 |
| Assets per employee ($millions) | 3.7025% | 4,305 |
| Cash dividends to net income (ytd only)* | 60.9169% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 853 |
| Loan loss allowance to noncurrent loans | 36.6493% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 2.8286% | 274 |
| Noncurrent loans to loans | 4.6640% | 152 |
| Net loans and leases to total assets | 59.6108% | 3,890 |
| Net loans and leases to deposits | 67.8193% | 4,070 |
| Net loans and leases to core deposits | 69.3386% | 4,231 |
| Total domestic deposits to total assets | 87.8965% | 1,283 |
| Equity capital to assets | 10.6391% | 3,003 |
| Core capital (leverage) ratio | 10.8786% | 2,696 |
| Tier 1 risk-based capital ratio | 13.3365% | 3,712 |
| Total risk-based capital ratio | 14.5893% | 3,633 |
| Memoranda: | ||
| Average total assets | $194,668,000 | 2,942 |
| Average earning assets | $172,883,500 | 3,017 |
| Average equity | $21,116,250 | 2,994 |
| Average total loans | $114,853,000 | 3,082 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9176% | 977 |
| Cost of funding earning assets | 0.1726% | 5,140 |
| Net interest margin | 4.7450% | 395 |
| Noninterest income to average assets | 2.9529% | 164 |
| Noninterest expense to average assets | 3.9211% | 592 |
| Loan and lease loss provision to assets | 0.2191% | 748 |
| Net operating income to assets | 3.0301% | 80 |
| Return on assets (ROA) | 3.0301% | 80 |
| Pretax return on assets | 3.0301% | 109 |
| Return on Equity (ROE) | 27.7452% | 49 |
| Retained earnings to average equity (ytd only) | 16.0414% | 157 |
| Net charge-offs to loans | 0.0411% | 2,040 |
| Credit loss provision to net charge-offs | 913.0435% | 440 |
| Earnings coverage of net charge-offs (x) | 135.3913% | 564 |
| Efficiency ratio | 54.6857% | 4,617 |
| Assets per employee ($millions) | 3.5202% | 4,570 |
| Cash dividends to net income (ytd only)* | 42.1832% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 814 |
| Loan loss allowance to noncurrent loans | 34.6271% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 3.0473% | 238 |
| Noncurrent loans to loans | 5.0668% | 134 |
| Net loans and leases to total assets | 59.0886% | 3,894 |
| Net loans and leases to deposits | 67.8517% | 4,028 |
| Net loans and leases to core deposits | 69.2544% | 4,188 |
| Total domestic deposits to total assets | 87.0849% | 1,805 |
| Equity capital to assets | 11.1998% | 2,453 |
| Core capital (leverage) ratio | 11.1019% | 2,437 |
| Tier 1 risk-based capital ratio | 13.9573% | 3,375 |
| Total risk-based capital ratio | 15.2105% | 3,303 |
| Memoranda: | ||
| Average total assets | $191,678,670 | 2,992 |
| Average earning assets | $170,368,330 | 3,061 |
| Average equity | $20,933,330 | 3,028 |
| Average total loans | $111,970,670 | 3,143 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9362% | 804 |
| Cost of funding earning assets | 0.1740% | 5,139 |
| Net interest margin | 4.7621% | 369 |
| Noninterest income to average assets | 2.5840% | 188 |
| Noninterest expense to average assets | 4.0794% | 482 |
| Loan and lease loss provision to assets | 0.1678% | 1,057 |
| Net operating income to assets | 2.5840% | 127 |
| Return on assets (ROA) | 2.5840% | 129 |
| Pretax return on assets | 2.5840% | 190 |
| Return on Equity (ROE) | 23.9712% | 107 |
| Retained earnings to average equity (ytd only) | 23.9712% | 53 |
| Net charge-offs to loans | 0.0911% | 1,252 |
| Credit loss provision to net charge-offs | 320.0000% | 782 |
| Earnings coverage of net charge-offs (x) | 52.4800% | 925 |
| Efficiency ratio | 59.7175% | 4,100 |
| Assets per employee ($millions) | 3.5007% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 915 |
| Loan loss allowance to noncurrent loans | 32.9312% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 3.2170% | 235 |
| Noncurrent loans to loans | 5.2167% | 135 |
| Net loans and leases to total assets | 56.7814% | 4,048 |
| Net loans and leases to deposits | 64.8848% | 4,161 |
| Net loans and leases to core deposits | 66.3279% | 4,286 |
| Total domestic deposits to total assets | 87.5112% | 1,892 |
| Equity capital to assets | 10.9759% | 2,608 |
| Core capital (leverage) ratio | 10.9325% | 2,509 |
| Tier 1 risk-based capital ratio | 14.0385% | 3,364 |
| Total risk-based capital ratio | 15.2912% | 3,275 |
| Memoranda: | ||
| Average total assets | $190,712,500 | 3,023 |
| Average earning assets | $170,091,500 | 3,094 |
| Average equity | $20,558,000 | 3,102 |
| Average total loans | $109,733,500 | 3,196 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 1,211 |
| Cost of funding earning assets | 0.1471% | 5,279 |
| Net interest margin | 4.5471% | 555 |
| Noninterest income to average assets | 2.9111% | 181 |
| Noninterest expense to average assets | 3.9615% | 564 |
| Loan and lease loss provision to assets | 0.0942% | 2,320 |
| Net operating income to assets | 2.8514% | 82 |
| Return on assets (ROA) | 2.8514% | 80 |
| Pretax return on assets | 2.8514% | 110 |
| Return on Equity (ROE) | 25.2412% | 66 |
| Retained earnings to average equity (ytd only) | 2.3973% | 3,895 |
| Net charge-offs to loans | 0.1598% | 1,527 |
| Credit loss provision to net charge-offs | 101.1976% | 2,534 |
| Earnings coverage of net charge-offs (x) | 31.6527% | 1,494 |
| Efficiency ratio | 57.3538% | 4,610 |
| Assets per employee ($millions) | 3.4979% | 4,700 |
| Cash dividends to net income (ytd only)* | 90.5022% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7149% | 918 |
| Loan loss allowance to noncurrent loans | 33.1074% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 3.1749% | 240 |
| Noncurrent loans to loans | 5.1798% | 126 |
| Net loans and leases to total assets | 56.3163% | 4,157 |
| Net loans and leases to deposits | 63.6187% | 4,340 |
| Net loans and leases to core deposits | 65.0253% | 4,472 |
| Total domestic deposits to total assets | 88.5216% | 1,242 |
| Equity capital to assets | 10.5795% | 3,078 |
| Core capital (leverage) ratio | 10.5987% | 2,739 |
| Tier 1 risk-based capital ratio | 13.6993% | 3,523 |
| Total risk-based capital ratio | 14.9521% | 3,439 |
| Memoranda: | ||
| Average total assets | $179,454,000 | 3,123 |
| Average earning assets | $157,703,800 | 3,227 |
| Average equity | $20,272,400 | 3,116 |
| Average total loans | $104,498,200 | 3,272 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 1,062 |
| Cost of funding earning assets | 0.1426% | 5,358 |
| Net interest margin | 4.5931% | 495 |
| Noninterest income to average assets | 3.0107% | 180 |
| Noninterest expense to average assets | 4.0045% | 517 |
| Loan and lease loss provision to assets | 0.1084% | 1,964 |
| Net operating income to assets | 2.9226% | 85 |
| Return on assets (ROA) | 2.9226% | 85 |
| Pretax return on assets | 2.9226% | 121 |
| Return on Equity (ROE) | 25.4408% | 70 |
| Retained earnings to average equity (ytd only) | 9.1618% | 796 |
| Net charge-offs to loans | 0.0103% | 3,362 |
| Credit loss provision to net charge-offs | 1,800.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 503.0806% | 202 |
| Efficiency ratio | 56.9181% | 4,621 |
| Assets per employee ($millions) | 3.3634% | 4,895 |
| Cash dividends to net income (ytd only)* | 63.9877% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 779 |
| Loan loss allowance to noncurrent loans | 127.9743% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 1,948 |
| Noncurrent loans to loans | 1.4445% | 1,294 |
| Net loans and leases to total assets | 58.1769% | 4,042 |
| Net loans and leases to deposits | 67.0015% | 4,184 |
| Net loans and leases to core deposits | 68.6862% | 4,316 |
| Total domestic deposits to total assets | 86.8292% | 1,942 |
| Equity capital to assets | 11.6440% | 2,234 |
| Core capital (leverage) ratio | 11.4047% | 2,094 |
| Tier 1 risk-based capital ratio | 14.5989% | 3,132 |
| Total risk-based capital ratio | 15.8531% | 3,045 |
| Memoranda: | ||
| Average total assets | $177,096,250 | 3,183 |
| Average earning assets | $155,184,000 | 3,287 |
| Average equity | $20,344,750 | 3,126 |
| Average total loans | $103,565,500 | 3,320 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 1,094 |
| Cost of funding earning assets | 0.1381% | 5,402 |
| Net interest margin | 4.5417% | 522 |
| Noninterest income to average assets | 3.0241% | 183 |
| Noninterest expense to average assets | 3.8693% | 617 |
| Loan and lease loss provision to assets | 0.1731% | 1,110 |
| Net operating income to assets | 2.9512% | 84 |
| Return on assets (ROA) | 2.9512% | 83 |
| Pretax return on assets | 2.9512% | 116 |
| Return on Equity (ROE) | 25.8106% | 71 |
| Retained earnings to average equity (ytd only) | 12.1532% | 308 |
| Net charge-offs to loans | 0.0176% | 2,896 |
| Credit loss provision to net charge-offs | 1,688.8889% | 242 |
| Earnings coverage of net charge-offs (x) | 304.7778% | 278 |
| Efficiency ratio | 55.3257% | 4,891 |
| Assets per employee ($millions) | 3.2398% | 5,047 |
| Cash dividends to net income (ytd only)* | 52.9139% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 698 |
| Loan loss allowance to noncurrent loans | 196.1690% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 2,731 |
| Noncurrent loans to loans | 0.9777% | 2,009 |
| Net loans and leases to total assets | 58.3743% | 3,988 |
| Net loans and leases to deposits | 67.4776% | 4,111 |
| Net loans and leases to core deposits | 69.4159% | 4,262 |
| Total domestic deposits to total assets | 86.5091% | 2,161 |
| Equity capital to assets | 11.9916% | 1,934 |
| Core capital (leverage) ratio | 11.8042% | 1,760 |
| Tier 1 risk-based capital ratio | 15.0459% | 2,902 |
| Total risk-based capital ratio | 16.3004% | 2,842 |
| Memoranda: | ||
| Average total assets | $175,587,670 | 3,216 |
| Average earning assets | $153,467,330 | 3,330 |
| Average equity | $20,077,000 | 3,152 |
| Average total loans | $102,203,330 | 3,357 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,067 |
| Cost of funding earning assets | 0.1384% | 5,446 |
| Net interest margin | 4.4902% | 530 |
| Noninterest income to average assets | 2.7787% | 207 |
| Noninterest expense to average assets | 3.7133% | 764 |
| Loan and lease loss provision to assets | 0.1455% | 1,285 |
| Net operating income to assets | 2.8288% | 101 |
| Return on assets (ROA) | 2.8288% | 105 |
| Pretax return on assets | 2.8288% | 151 |
| Return on Equity (ROE) | 25.3541% | 83 |
| Retained earnings to average equity (ytd only) | 25.3541% | 48 |
| Net charge-offs to loans | -0.0237% | 4,827 |
| Credit loss provision to net charge-offs | -1,066.6667% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5253% | 4,989 |
| Assets per employee ($millions) | 3.2558% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 828 |
| Loan loss allowance to noncurrent loans | 138.3178% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 2,210 |
| Noncurrent loans to loans | 1.3549% | 1,489 |
| Net loans and leases to total assets | 58.3815% | 3,937 |
| Net loans and leases to deposits | 67.5178% | 4,038 |
| Net loans and leases to core deposits | 69.4835% | 4,188 |
| Total domestic deposits to total assets | 86.4683% | 2,457 |
| Equity capital to assets | 11.7856% | 1,977 |
| Core capital (leverage) ratio | 11.5165% | 1,934 |
| Tier 1 risk-based capital ratio | 15.1029% | 2,921 |
| Total risk-based capital ratio | 16.3569% | 2,851 |
| Memoranda: | ||
| Average total assets | $175,908,000 | 3,231 |
| Average earning assets | $153,132,000 | 3,361 |
| Average equity | $19,626,000 | 3,213 |
| Average total loans | $101,244,500 | 3,396 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 1,664 |
| Cost of funding earning assets | 0.1347% | 5,521 |
| Net interest margin | 4.3222% | 895 |
| Noninterest income to average assets | 2.5962% | 243 |
| Noninterest expense to average assets | 3.5733% | 1,045 |
| Loan and lease loss provision to assets | 0.9412% | 114 |
| Net operating income to assets | 1.8846% | 384 |
| Return on assets (ROA) | 1.9543% | 369 |
| Pretax return on assets | 1.9543% | 557 |
| Return on Equity (ROE) | 17.4987% | 364 |
| Retained earnings to average equity (ytd only) | 4.0629% | 3,027 |
| Net charge-offs to loans | 1.4792% | 99 |
| Credit loss provision to net charge-offs | 114.3247% | 2,298 |
| Earnings coverage of net charge-offs (x) | 3.4325% | 3,669 |
| Efficiency ratio | 55.8403% | 5,084 |
| Assets per employee ($millions) | 3.3822% | 4,932 |
| Cash dividends to net income (ytd only)* | 76.7816% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8573% | 866 |
| Loan loss allowance to noncurrent loans | 159.4153% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 2,782 |
| Noncurrent loans to loans | 1.1651% | 1,761 |
| Net loans and leases to total assets | 54.6525% | 4,376 |
| Net loans and leases to deposits | 61.6351% | 4,566 |
| Net loans and leases to core deposits | 63.4605% | 4,667 |
| Total domestic deposits to total assets | 88.6711% | 1,286 |
| Equity capital to assets | 10.5518% | 3,098 |
| Core capital (leverage) ratio | 10.4238% | 2,954 |
| Tier 1 risk-based capital ratio | 14.1570% | 3,375 |
| Total risk-based capital ratio | 15.4101% | 3,298 |
| Memoranda: | ||
| Average total assets | $178,070,800 | 3,187 |
| Average earning assets | $156,680,400 | 3,285 |
| Average equity | $19,887,200 | 3,180 |
| Average total loans | $99,109,200 | 3,404 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 1,697 |
| Cost of funding earning assets | 0.1316% | 5,605 |
| Net interest margin | 4.3186% | 895 |
| Noninterest income to average assets | 2.5702% | 251 |
| Noninterest expense to average assets | 3.6067% | 987 |
| Loan and lease loss provision to assets | 0.3847% | 393 |
| Net operating income to assets | 2.3940% | 186 |
| Return on assets (ROA) | 2.4870% | 164 |
| Pretax return on assets | 2.4870% | 224 |
| Return on Equity (ROE) | 21.9631% | 160 |
| Retained earnings to average equity (ytd only) | 9.9881% | 579 |
| Net charge-offs to loans | 0.3841% | 574 |
| Credit loss provision to net charge-offs | 180.0000% | 1,556 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,341 |
| Efficiency ratio | 56.4834% | 5,011 |
| Assets per employee ($millions) | 3.4293% | 4,870 |
| Cash dividends to net income (ytd only)* | 54.5236% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8410% | 940 |
| Loan loss allowance to noncurrent loans | 148.2185% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 2,757 |
| Noncurrent loans to loans | 1.2421% | 1,806 |
| Net loans and leases to total assets | 57.0685% | 4,188 |
| Net loans and leases to deposits | 65.8273% | 4,363 |
| Net loans and leases to core deposits | 67.8712% | 4,477 |
| Total domestic deposits to total assets | 86.6943% | 2,033 |
| Equity capital to assets | 11.8414% | 2,225 |
| Core capital (leverage) ratio | 10.9460% | 2,510 |
| Tier 1 risk-based capital ratio | 14.7364% | 3,171 |
| Total risk-based capital ratio | 15.9901% | 3,109 |
| Memoranda: | ||
| Average total assets | $177,774,000 | 3,204 |
| Average earning assets | $157,055,000 | 3,291 |
| Average equity | $20,130,250 | 3,180 |
| Average total loans | $98,930,750 | 3,411 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 1,794 |
| Cost of funding earning assets | 0.1329% | 5,666 |
| Net interest margin | 4.2787% | 966 |
| Noninterest income to average assets | 2.5200% | 254 |
| Noninterest expense to average assets | 3.4711% | 1,220 |
| Loan and lease loss provision to assets | 0.2092% | 1,023 |
| Net operating income to assets | 2.6218% | 132 |
| Return on assets (ROA) | 2.7281% | 108 |
| Pretax return on assets | 2.7281% | 157 |
| Return on Equity (ROE) | 24.4570% | 98 |
| Retained earnings to average equity (ytd only) | 16.1208% | 114 |
| Net charge-offs to loans | 0.0061% | 3,477 |
| Credit loss provision to net charge-offs | 6,233.3333% | 61 |
| Earnings coverage of net charge-offs (x) | 843.3333% | 62 |
| Efficiency ratio | 55.0781% | 5,234 |
| Assets per employee ($millions) | 4.5101% | 3,002 |
| Cash dividends to net income (ytd only)* | 34.0853% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 1,004 |
| Loan loss allowance to noncurrent loans | 189.0383% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 3,327 |
| Noncurrent loans to loans | 0.9741% | 2,333 |
| Net loans and leases to total assets | 56.8580% | 4,218 |
| Net loans and leases to deposits | 65.5895% | 4,381 |
| Net loans and leases to core deposits | 67.6654% | 4,502 |
| Total domestic deposits to total assets | 86.6877% | 2,065 |
| Equity capital to assets | 12.1809% | 1,987 |
| Core capital (leverage) ratio | 11.1832% | 2,254 |
| Tier 1 risk-based capital ratio | 15.1247% | 3,021 |
| Total risk-based capital ratio | 16.3787% | 2,948 |
| Memoranda: | ||
| Average total assets | $178,733,670 | 3,205 |
| Average earning assets | $157,992,670 | 3,298 |
| Average equity | $19,937,000 | 3,207 |
| Average total loans | $98,013,670 | 3,441 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 2,121 |
| Cost of funding earning assets | 0.1338% | 5,727 |
| Net interest margin | 4.1704% | 1,169 |
| Noninterest income to average assets | 2.3661% | 272 |
| Noninterest expense to average assets | 3.3463% | 1,492 |
| Loan and lease loss provision to assets | 0.1579% | 1,325 |
| Net operating income to assets | 2.5525% | 145 |
| Return on assets (ROA) | 2.6293% | 134 |
| Pretax return on assets | 2.6293% | 196 |
| Return on Equity (ROE) | 24.6359% | 105 |
| Retained earnings to average equity (ytd only) | 24.6359% | 48 |
| Net charge-offs to loans | 0.0082% | 2,847 |
| Credit loss provision to net charge-offs | 3,600.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 618.0000% | 84 |
| Efficiency ratio | 55.2498% | 5,261 |
| Assets per employee ($millions) | 3.4048% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 1,343 |
| Loan loss allowance to noncurrent loans | 176.5191% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 3,217 |
| Noncurrent loans to loans | 0.9682% | 2,441 |
| Net loans and leases to total assets | 55.6796% | 4,293 |
| Net loans and leases to deposits | 63.9214% | 4,446 |
| Net loans and leases to core deposits | 65.9758% | 4,537 |
| Total domestic deposits to total assets | 87.1062% | 2,153 |
| Equity capital to assets | 11.3733% | 2,551 |
| Core capital (leverage) ratio | 10.4664% | 3,006 |
| Tier 1 risk-based capital ratio | 14.3321% | 3,479 |
| Total risk-based capital ratio | 15.5848% | 3,403 |
| Memoranda: | ||
| Average total assets | $182,409,000 | 3,177 |
| Average earning assets | $161,425,000 | 3,264 |
| Average equity | $19,467,500 | 3,259 |
| Average total loans | $97,384,000 | 3,463 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 3,578 |
| Cost of funding earning assets | 0.1179% | 5,888 |
| Net interest margin | 3.8186% | 2,311 |
| Noninterest income to average assets | 2.8033% | 227 |
| Noninterest expense to average assets | 3.4746% | 1,345 |
| Loan and lease loss provision to assets | 0.1097% | 2,165 |
| Net operating income to assets | 2.6040% | 136 |
| Return on assets (ROA) | 2.6040% | 136 |
| Pretax return on assets | 2.6040% | 174 |
| Return on Equity (ROE) | 27.4584% | 74 |
| Retained earnings to average equity (ytd only) | 0.7186% | 5,229 |
| Net charge-offs to loans | 0.0275% | 3,682 |
| Credit loss provision to net charge-offs | 856.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 211.8400% | 322 |
| Efficiency ratio | 56.1481% | 5,330 |
| Assets per employee ($millions) | 3.4772% | 4,864 |
| Cash dividends to net income (ytd only)* | 97.3829% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 1,267 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 3,372 |
| Noncurrent loans to loans | 1.0151% | 2,310 |
| Net loans and leases to total assets | 49.4384% | 4,918 |
| Net loans and leases to deposits | 56.1669% | 5,033 |
| Net loans and leases to core deposits | 57.7940% | 5,112 |
| Total domestic deposits to total assets | 88.0205% | 1,615 |
| Equity capital to assets | 10.0117% | 3,945 |
| Core capital (leverage) ratio | 9.5421% | 4,114 |
| Tier 1 risk-based capital ratio | 13.4896% | 4,014 |
| Total risk-based capital ratio | 14.7414% | 3,950 |
| Memoranda: | ||
| Average total assets | $195,159,400 | 2,995 |
| Average earning assets | $172,994,400 | 3,078 |
| Average equity | $18,508,000 | 3,315 |
| Average total loans | $90,946,200 | 3,570 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 3,855 |
| Cost of funding earning assets | 0.1158% | 5,997 |
| Net interest margin | 3.7536% | 2,548 |
| Noninterest income to average assets | 2.8580% | 226 |
| Noninterest expense to average assets | 3.4035% | 1,476 |
| Loan and lease loss provision to assets | 0.1211% | 1,877 |
| Net operating income to assets | 2.6679% | 128 |
| Return on assets (ROA) | 2.6679% | 131 |
| Pretax return on assets | 2.6679% | 182 |
| Return on Equity (ROE) | 28.5099% | 69 |
| Retained earnings to average equity (ytd only) | 0.9402% | 5,337 |
| Net charge-offs to loans | 0.0207% | 3,523 |
| Credit loss provision to net charge-offs | 1,278.5714% | 287 |
| Earnings coverage of net charge-offs (x) | 294.2973% | 244 |
| Efficiency ratio | 54.9617% | 5,446 |
| Assets per employee ($millions) | 3.4799% | 4,827 |
| Cash dividends to net income (ytd only)* | 96.7022% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 1,418 |
| Loan loss allowance to noncurrent loans | 152.9745% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 3,335 |
| Noncurrent loans to loans | 1.1268% | 2,251 |
| Net loans and leases to total assets | 49.1501% | 5,006 |
| Net loans and leases to deposits | 55.7707% | 5,138 |
| Net loans and leases to core deposits | 57.1921% | 5,243 |
| Total domestic deposits to total assets | 88.1290% | 1,490 |
| Equity capital to assets | 9.9525% | 4,215 |
| Core capital (leverage) ratio | 9.3467% | 4,514 |
| Tier 1 risk-based capital ratio | 13.4156% | 4,186 |
| Total risk-based capital ratio | 14.6670% | 4,110 |
| Memoranda: | ||
| Average total assets | $197,006,500 | 3,003 |
| Average earning assets | $175,009,000 | 3,075 |
| Average equity | $18,435,250 | 3,349 |
| Average total loans | $90,064,000 | 3,622 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 4,091 |
| Cost of funding earning assets | 0.1126% | 6,076 |
| Net interest margin | 3.6799% | 2,798 |
| Noninterest income to average assets | 2.6925% | 245 |
| Noninterest expense to average assets | 3.3494% | 1,575 |
| Loan and lease loss provision to assets | 0.1440% | 1,500 |
| Net operating income to assets | 2.4675% | 171 |
| Return on assets (ROA) | 2.4675% | 181 |
| Pretax return on assets | 2.4675% | 259 |
| Return on Equity (ROE) | 26.9046% | 89 |
| Retained earnings to average equity (ytd only) | -2.1803% | 5,850 |
| Net charge-offs to loans | 0.0338% | 2,993 |
| Credit loss provision to net charge-offs | 960.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 174.1333% | 382 |
| Efficiency ratio | 56.1892% | 5,411 |
| Assets per employee ($millions) | 3.4831% | 4,833 |
| Cash dividends to net income (ytd only)* | 108.1037% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 1,447 |
| Loan loss allowance to noncurrent loans | 158.5586% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 3,618 |
| Noncurrent loans to loans | 1.1134% | 2,430 |
| Net loans and leases to total assets | 46.0111% | 5,244 |
| Net loans and leases to deposits | 52.1636% | 5,371 |
| Net loans and leases to core deposits | 53.3831% | 5,460 |
| Total domestic deposits to total assets | 88.2054% | 1,547 |
| Equity capital to assets | 9.5140% | 4,633 |
| Core capital (leverage) ratio | 8.8986% | 5,100 |
| Tier 1 risk-based capital ratio | 13.7612% | 4,056 |
| Total risk-based capital ratio | 15.0126% | 3,993 |
| Memoranda: | ||
| Average total assets | $200,038,000 | 2,992 |
| Average earning assets | $177,669,330 | 3,071 |
| Average equity | $18,346,330 | 3,377 |
| Average total loans | $88,759,000 | 3,669 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,168 |
| Cost of funding earning assets | 0.1104% | 6,157 |
| Net interest margin | 3.6486% | 2,819 |
| Noninterest income to average assets | 2.7003% | 245 |
| Noninterest expense to average assets | 3.2682% | 1,799 |
| Loan and lease loss provision to assets | 0.1664% | 1,202 |
| Net operating income to assets | 2.5006% | 154 |
| Return on assets (ROA) | 2.5006% | 164 |
| Pretax return on assets | 2.5006% | 242 |
| Return on Equity (ROE) | 27.7511% | 73 |
| Retained earnings to average equity (ytd only) | -5.4981% | 5,964 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0643% | 5,591 |
| Assets per employee ($millions) | 3.5981% | 4,728 |
| Cash dividends to net income (ytd only)* | 119.8121% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 1,645 |
| Loan loss allowance to noncurrent loans | 649.7890% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 5,185 |
| Noncurrent loans to loans | 0.2675% | 4,818 |
| Net loans and leases to total assets | 43.2098% | 5,409 |
| Net loans and leases to deposits | 48.8825% | 5,521 |
| Net loans and leases to core deposits | 50.0336% | 5,591 |
| Total domestic deposits to total assets | 88.3953% | 1,597 |
| Equity capital to assets | 9.1421% | 5,148 |
| Core capital (leverage) ratio | 8.5556% | 5,470 |
| Tier 1 risk-based capital ratio | 13.8116% | 4,142 |
| Total risk-based capital ratio | 15.0629% | 4,065 |
| Memoranda: | ||
| Average total assets | $204,271,500 | 2,963 |
| Average earning assets | $181,112,500 | 3,055 |
| Average equity | $18,406,500 | 3,392 |
| Average total loans | $88,274,500 | 3,692 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 4,104 |
| Cost of funding earning assets | 0.1203% | 6,246 |
| Net interest margin | 3.7856% | 2,674 |
| Noninterest income to average assets | 2.9921% | 191 |
| Noninterest expense to average assets | 3.3410% | 1,822 |
| Loan and lease loss provision to assets | 0.1358% | 1,931 |
| Net operating income to assets | 2.8764% | 104 |
| Return on assets (ROA) | 2.8814% | 103 |
| Pretax return on assets | 2.8814% | 125 |
| Return on Equity (ROE) | 32.0183% | 47 |
| Retained earnings to average equity (ytd only) | 9.5968% | 584 |
| Net charge-offs to loans | -0.1420% | 6,197 |
| Credit loss provision to net charge-offs | -205.0420% | 5,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5882% | 5,941 |
| Assets per employee ($millions) | 3.7645% | 4,415 |
| Cash dividends to net income (ytd only)* | 70.0270% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 1,915 |
| Loan loss allowance to noncurrent loans | 803.8674% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 5,344 |
| Noncurrent loans to loans | 0.2058% | 5,080 |
| Net loans and leases to total assets | 41.7722% | 5,638 |
| Net loans and leases to deposits | 47.2434% | 5,732 |
| Net loans and leases to core deposits | 48.3235% | 5,798 |
| Total domestic deposits to total assets | 88.4191% | 1,555 |
| Equity capital to assets | 8.8830% | 5,395 |
| Core capital (leverage) ratio | 8.5177% | 5,544 |
| Tier 1 risk-based capital ratio | 13.8012% | 4,235 |
| Total risk-based capital ratio | 15.0525% | 4,166 |
| Memoranda: | ||
| Average total assets | $179,705,600 | 3,209 |
| Average earning assets | $159,551,600 | 3,290 |
| Average equity | $16,172,000 | 3,645 |
| Average total loans | $83,776,000 | 3,772 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 4,045 |
| Cost of funding earning assets | 0.1230% | 6,323 |
| Net interest margin | 3.8085% | 2,589 |
| Noninterest income to average assets | 2.7558% | 213 |
| Noninterest expense to average assets | 3.3072% | 1,886 |
| Loan and lease loss provision to assets | 0.1805% | 1,360 |
| Net operating income to assets | 2.6586% | 119 |
| Return on assets (ROA) | 2.6655% | 118 |
| Pretax return on assets | 2.6655% | 166 |
| Return on Equity (ROE) | 29.5055% | 65 |
| Retained earnings to average equity (ytd only) | 11.5768% | 447 |
| Net charge-offs to loans | -0.0322% | 5,763 |
| Credit loss provision to net charge-offs | -1,170.0000% | 5,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8085% | 5,840 |
| Assets per employee ($millions) | 3.7285% | 4,438 |
| Cash dividends to net income (ytd only)* | 60.7640% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 2,487 |
| Loan loss allowance to noncurrent loans | 947.8873% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 5,871 |
| Noncurrent loans to loans | 0.1640% | 5,417 |
| Net loans and leases to total assets | 43.1377% | 5,587 |
| Net loans and leases to deposits | 48.8370% | 5,713 |
| Net loans and leases to core deposits | 50.0141% | 5,790 |
| Total domestic deposits to total assets | 88.3300% | 1,587 |
| Equity capital to assets | 9.0254% | 5,326 |
| Core capital (leverage) ratio | 9.6821% | 4,108 |
| Tier 1 risk-based capital ratio | 14.0014% | 4,213 |
| Total risk-based capital ratio | 15.2516% | 4,153 |
| Memoranda: | ||
| Average total assets | $172,870,250 | 3,327 |
| Average earning assets | $153,898,750 | 3,408 |
| Average equity | $15,617,000 | 3,748 |
| Average total loans | $82,734,250 | 3,824 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 3,576 |
| Cost of funding earning assets | 0.1280% | 6,368 |
| Net interest margin | 3.9149% | 2,097 |
| Noninterest income to average assets | 2.3763% | 265 |
| Noninterest expense to average assets | 3.3737% | 1,740 |
| Loan and lease loss provision to assets | 0.2794% | 730 |
| Net operating income to assets | 2.2160% | 224 |
| Return on assets (ROA) | 2.2269% | 229 |
| Pretax return on assets | 2.2269% | 342 |
| Return on Equity (ROE) | 24.6410% | 119 |
| Retained earnings to average equity (ytd only) | 6.8156% | 1,859 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4829% | 5,616 |
| Assets per employee ($millions) | 3.6882% | 4,469 |
| Cash dividends to net income (ytd only)* | 72.3404% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 2,475 |
| Loan loss allowance to noncurrent loans | 189.3983% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 4,805 |
| Noncurrent loans to loans | 0.8428% | 3,602 |
| Net loans and leases to total assets | 47.0132% | 5,265 |
| Net loans and leases to deposits | 53.5573% | 5,389 |
| Net loans and leases to core deposits | 55.0411% | 5,480 |
| Total domestic deposits to total assets | 87.7810% | 2,048 |
| Equity capital to assets | 9.7615% | 4,417 |
| Core capital (leverage) ratio | 9.5720% | 4,219 |
| Tier 1 risk-based capital ratio | 14.3507% | 4,027 |
| Total risk-based capital ratio | 15.6014% | 3,963 |
| Memoranda: | ||
| Average total assets | $164,624,000 | 3,468 |
| Average earning assets | $146,874,670 | 3,540 |
| Average equity | $14,877,670 | 3,877 |
| Average total loans | $81,449,000 | 3,865 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 3,358 |
| Cost of funding earning assets | 0.1300% | 6,443 |
| Net interest margin | 3.9519% | 1,923 |
| Noninterest income to average assets | 1.8220% | 393 |
| Noninterest expense to average assets | 3.3894% | 1,731 |
| Loan and lease loss provision to assets | 0.1273% | 1,910 |
| Net operating income to assets | 1.8719% | 426 |
| Return on assets (ROA) | 1.8944% | 416 |
| Pretax return on assets | 1.8944% | 656 |
| Return on Equity (ROE) | 21.9111% | 202 |
| Retained earnings to average equity (ytd only) | 4.5901% | 3,367 |
| Net charge-offs to loans | -0.0198% | 5,351 |
| Credit loss provision to net charge-offs | -1,275.0000% | 5,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8995% | 5,013 |
| Assets per employee ($millions) | 3.8168% | 4,288 |
| Cash dividends to net income (ytd only)* | 79.0514% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 3,668 |
| Loan loss allowance to noncurrent loans | 178.9392% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 4,974 |
| Noncurrent loans to loans | 0.7753% | 3,923 |
| Net loans and leases to total assets | 49.6752% | 4,939 |
| Net loans and leases to deposits | 55.0593% | 5,193 |
| Net loans and leases to core deposits | 56.5279% | 5,319 |
| Total domestic deposits to total assets | 90.2214% | 952 |
| Equity capital to assets | 8.8019% | 5,333 |
| Core capital (leverage) ratio | 8.4834% | 5,668 |
| Tier 1 risk-based capital ratio | 13.4855% | 4,693 |
| Total risk-based capital ratio | 14.6264% | 4,713 |
| Memoranda: | ||
| Average total assets | $160,263,500 | 3,559 |
| Average earning assets | $144,639,000 | 3,613 |
| Average equity | $13,856,000 | 4,071 |
| Average total loans | $80,765,000 | 3,909 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 3,457 |
| Cost of funding earning assets | 0.1372% | 6,582 |
| Net interest margin | 4.0330% | 1,863 |
| Noninterest income to average assets | 1.8593% | 436 |
| Noninterest expense to average assets | 3.4155% | 1,848 |
| Loan and lease loss provision to assets | 0.1998% | 1,861 |
| Net operating income to assets | 1.9690% | 360 |
| Return on assets (ROA) | 1.9696% | 359 |
| Pretax return on assets | 1.9696% | 523 |
| Return on Equity (ROE) | 22.9633% | 181 |
| Retained earnings to average equity (ytd only) | 10.4005% | 499 |
| Net charge-offs to loans | 0.2804% | 2,295 |
| Credit loss provision to net charge-offs | 137.8378% | 1,696 |
| Earnings coverage of net charge-offs (x) | 14.9595% | 1,911 |
| Efficiency ratio | 61.1624% | 5,338 |
| Assets per employee ($millions) | 3.4756% | 4,951 |
| Cash dividends to net income (ytd only)* | 54.7082% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 3,723 |
| Loan loss allowance to noncurrent loans | 404.4444% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 5,795 |
| Noncurrent loans to loans | 0.3424% | 5,164 |
| Net loans and leases to total assets | 49.7190% | 5,115 |
| Net loans and leases to deposits | 54.9846% | 5,385 |
| Net loans and leases to core deposits | 56.5102% | 5,494 |
| Total domestic deposits to total assets | 90.4235% | 860 |
| Equity capital to assets | 8.4819% | 5,597 |
| Core capital (leverage) ratio | 8.0977% | 6,057 |
| Tier 1 risk-based capital ratio | 12.9254% | 5,033 |
| Total risk-based capital ratio | 14.0539% | 5,059 |
| Memoranda: | ||
| Average total assets | $153,125,800 | 3,655 |
| Average earning assets | $141,433,800 | 3,646 |
| Average equity | $13,134,000 | 4,236 |
| Average total loans | $79,173,400 | 3,962 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 3,613 |
| Cost of funding earning assets | 0.1382% | 6,676 |
| Net interest margin | 3.9987% | 1,948 |
| Noninterest income to average assets | 1.8865% | 454 |
| Noninterest expense to average assets | 3.3904% | 1,852 |
| Loan and lease loss provision to assets | 0.1191% | 2,812 |
| Net operating income to assets | 2.0992% | 306 |
| Return on assets (ROA) | 2.0992% | 316 |
| Pretax return on assets | 2.0992% | 470 |
| Return on Equity (ROE) | 24.4046% | 133 |
| Retained earnings to average equity (ytd only) | 13.7187% | 275 |
| Net charge-offs to loans | 0.0404% | 4,335 |
| Credit loss provision to net charge-offs | 566.6667% | 494 |
| Earnings coverage of net charge-offs (x) | 105.5806% | 474 |
| Efficiency ratio | 60.4495% | 5,366 |
| Assets per employee ($millions) | 3.4091% | 5,046 |
| Cash dividends to net income (ytd only)* | 43.7867% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,154 |
| Loan loss allowance to noncurrent loans | 625.6983% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 6,086 |
| Noncurrent loans to loans | 0.2152% | 5,698 |
| Net loans and leases to total assets | 53.4881% | 4,691 |
| Net loans and leases to deposits | 59.3732% | 5,050 |
| Net loans and leases to core deposits | 60.8423% | 5,236 |
| Total domestic deposits to total assets | 90.0879% | 946 |
| Equity capital to assets | 8.6052% | 5,619 |
| Core capital (leverage) ratio | 8.3385% | 5,934 |
| Tier 1 risk-based capital ratio | 12.9679% | 5,148 |
| Total risk-based capital ratio | 14.1305% | 5,143 |
| Memoranda: | ||
| Average total assets | $152,306,500 | 3,700 |
| Average earning assets | $141,777,500 | 3,674 |
| Average equity | $13,101,000 | 4,292 |
| Average total loans | $79,253,250 | 3,997 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 3,810 |
| Cost of funding earning assets | 0.1383% | 6,740 |
| Net interest margin | 3.9439% | 2,066 |
| Noninterest income to average assets | 1.9429% | 465 |
| Noninterest expense to average assets | 3.2710% | 2,154 |
| Loan and lease loss provision to assets | 0.1501% | 2,452 |
| Net operating income to assets | 2.2009% | 257 |
| Return on assets (ROA) | 2.2009% | 273 |
| Pretax return on assets | 2.2009% | 414 |
| Return on Equity (ROE) | 25.5899% | 117 |
| Retained earnings to average equity (ytd only) | 16.4069% | 179 |
| Net charge-offs to loans | 0.0667% | 3,755 |
| Credit loss provision to net charge-offs | 438.4615% | 620 |
| Earnings coverage of net charge-offs (x) | 68.6923% | 647 |
| Efficiency ratio | 58.1831% | 5,709 |
| Assets per employee ($millions) | 3.1598% | 5,565 |
| Cash dividends to net income (ytd only)* | 35.8852% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,369 |
| Loan loss allowance to noncurrent loans | 1,857.6271% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 6,387 |
| Noncurrent loans to loans | 0.0715% | 6,178 |
| Net loans and leases to total assets | 54.8101% | 4,476 |
| Net loans and leases to deposits | 60.9904% | 4,863 |
| Net loans and leases to core deposits | 62.3647% | 5,063 |
| Total domestic deposits to total assets | 89.8667% | 1,104 |
| Equity capital to assets | 8.8835% | 5,346 |
| Core capital (leverage) ratio | 8.2046% | 6,002 |
| Tier 1 risk-based capital ratio | 12.8424% | 5,264 |
| Total risk-based capital ratio | 14.0184% | 5,247 |
| Memoranda: | ||
| Average total assets | $151,939,330 | 3,735 |
| Average earning assets | $141,737,670 | 3,699 |
| Average equity | $13,067,670 | 4,337 |
| Average total loans | $77,946,000 | 4,045 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 4,178 |
| Cost of funding earning assets | 0.1397% | 6,823 |
| Net interest margin | 3.8464% | 2,300 |
| Noninterest income to average assets | 1.6687% | 560 |
| Noninterest expense to average assets | 3.1552% | 2,499 |
| Loan and lease loss provision to assets | 0.0911% | 3,142 |
| Net operating income to assets | 2.0071% | 339 |
| Return on assets (ROA) | 2.0071% | 368 |
| Pretax return on assets | 2.0071% | 586 |
| Return on Equity (ROE) | 23.7140% | 147 |
| Retained earnings to average equity (ytd only) | 14.4867% | 399 |
| Net charge-offs to loans | 0.1744% | 2,351 |
| Credit loss provision to net charge-offs | 106.0606% | 1,742 |
| Earnings coverage of net charge-offs (x) | 24.4242% | 1,082 |
| Efficiency ratio | 60.0595% | 5,581 |
| Assets per employee ($millions) | 3.5834% | 4,816 |
| Cash dividends to net income (ytd only)* | 38.9105% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 4,788 |
| Loan loss allowance to noncurrent loans | 1,122.2222% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 6,424 |
| Noncurrent loans to loans | 0.1142% | 6,131 |
| Net loans and leases to total assets | 51.6794% | 4,748 |
| Net loans and leases to deposits | 57.7815% | 5,066 |
| Net loans and leases to core deposits | 59.3616% | 5,208 |
| Total domestic deposits to total assets | 89.4393% | 1,391 |
| Equity capital to assets | 8.7946% | 5,716 |
| Core capital (leverage) ratio | 7.8010% | 6,287 |
| Tier 1 risk-based capital ratio | 12.7650% | 5,390 |
| Total risk-based capital ratio | 14.0150% | 5,340 |
| Memoranda: | ||
| Average total assets | $153,653,500 | 3,751 |
| Average earning assets | $143,199,000 | 3,709 |
| Average equity | $13,005,000 | 4,382 |
| Average total loans | $75,671,500 | 4,141 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 5,048 |
| Cost of funding earning assets | 0.2047% | 6,827 |
| Net interest margin | 3.8671% | 2,957 |
| Noninterest income to average assets | 1.5502% | 654 |
| Noninterest expense to average assets | 3.3424% | 2,212 |
| Loan and lease loss provision to assets | 0.0436% | 5,304 |
| Net operating income to assets | 1.7452% | 560 |
| Return on assets (ROA) | 1.7515% | 621 |
| Pretax return on assets | 1.7515% | 1,020 |
| Return on Equity (ROE) | 20.9728% | 263 |
| Retained earnings to average equity (ytd only) | 10.2048% | 555 |
| Net charge-offs to loans | 0.0042% | 5,918 |
| Credit loss provision to net charge-offs | 2,100.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 862.0000% | 40 |
| Efficiency ratio | 65.1389% | 4,679 |
| Assets per employee ($millions) | 3.7335% | 4,499 |
| Cash dividends to net income (ytd only)* | 51.3428% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 4,218 |
| Loan loss allowance to noncurrent loans | 3,150.0000% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 6,620 |
| Noncurrent loans to loans | 0.0441% | 6,397 |
| Net loans and leases to total assets | 45.6277% | 5,655 |
| Net loans and leases to deposits | 50.8967% | 5,898 |
| Net loans and leases to core deposits | 52.0096% | 6,016 |
| Total domestic deposits to total assets | 89.6477% | 1,157 |
| Equity capital to assets | 8.1464% | 6,325 |
| Core capital (leverage) ratio | 7.3977% | 6,539 |
| Tier 1 risk-based capital ratio | 12.5776% | 5,420 |
| Total risk-based capital ratio | 13.8284% | 5,370 |
| Memoranda: | ||
| Average total assets | $144,565,800 | 3,872 |
| Average earning assets | $133,872,200 | 3,827 |
| Average equity | $12,072,800 | 4,554 |
| Average total loans | $70,935,800 | 4,329 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1337% | 5,065 |
| Cost of funding earning assets | 0.2250% | 6,890 |
| Net interest margin | 3.9088% | 2,888 |
| Noninterest income to average assets | 1.5707% | 601 |
| Noninterest expense to average assets | 3.3958% | 2,013 |
| Loan and lease loss provision to assets | 0.0518% | 5,107 |
| Net operating income to assets | 1.7412% | 638 |
| Return on assets (ROA) | 1.7478% | 698 |
| Pretax return on assets | 1.7478% | 1,164 |
| Return on Equity (ROE) | 20.7881% | 289 |
| Retained earnings to average equity (ytd only) | 9.5816% | 1,034 |
| Net charge-offs to loans | 0.0057% | 5,671 |
| Credit loss provision to net charge-offs | 1,833.3333% | 145 |
| Earnings coverage of net charge-offs (x) | 634.3175% | 65 |
| Efficiency ratio | 65.4440% | 4,549 |
| Assets per employee ($millions) | 3.4571% | 5,073 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 4,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 48.7074% | 5,464 |
| Net loans and leases to deposits | 54.1637% | 5,798 |
| Net loans and leases to core deposits | 55.4084% | 5,933 |
| Total domestic deposits to total assets | 89.9263% | 888 |
| Equity capital to assets | 8.4477% | 6,308 |
| Core capital (leverage) ratio | 7.5364% | 6,603 |
| Tier 1 risk-based capital ratio | 12.2889% | 5,775 |
| Total risk-based capital ratio | 13.5396% | 5,747 |
| Memoranda: | ||
| Average total assets | $141,505,750 | 3,966 |
| Average earning assets | $130,983,750 | 3,915 |
| Average equity | $11,897,500 | 4,632 |
| Average total loans | $70,531,000 | 4,382 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 5,240 |
| Cost of funding earning assets | 0.2486% | 6,918 |
| Net interest margin | 3.8721% | 3,031 |
| Noninterest income to average assets | 1.5325% | 627 |
| Noninterest expense to average assets | 3.3510% | 2,153 |
| Loan and lease loss provision to assets | 0.0877% | 4,488 |
| Net operating income to assets | 1.6762% | 709 |
| Return on assets (ROA) | 1.6791% | 789 |
| Pretax return on assets | 1.6791% | 1,319 |
| Return on Equity (ROE) | 20.0046% | 359 |
| Retained earnings to average equity (ytd only) | 8.0155% | 1,634 |
| Net charge-offs to loans | 0.0086% | 5,346 |
| Credit loss provision to net charge-offs | 2,033.3333% | 150 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 102 |
| Efficiency ratio | 65.5143% | 4,620 |
| Assets per employee ($millions) | 3.3776% | 5,259 |
| Cash dividends to net income (ytd only)* | 59.9315% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 4,605 |
| Loan loss allowance to noncurrent loans | 12,575.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,841 |
| Noncurrent loans to loans | 0.0108% | 6,679 |
| Net loans and leases to total assets | 51.3760% | 5,172 |
| Net loans and leases to deposits | 56.9547% | 5,557 |
| Net loans and leases to core deposits | 58.3211% | 5,750 |
| Total domestic deposits to total assets | 90.2050% | 813 |
| Equity capital to assets | 8.4874% | 6,219 |
| Core capital (leverage) ratio | 7.4059% | 6,664 |
| Tier 1 risk-based capital ratio | 12.1159% | 5,857 |
| Total risk-based capital ratio | 13.3666% | 5,829 |
| Memoranda: | ||
| Average total assets | $139,122,670 | 4,032 |
| Average earning assets | $128,714,330 | 3,983 |
| Average equity | $11,677,330 | 4,682 |
| Average total loans | $69,572,670 | 4,429 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 5,613 |
| Cost of funding earning assets | 0.2581% | 6,984 |
| Net interest margin | 3.7899% | 3,437 |
| Noninterest income to average assets | 1.3938% | 744 |
| Noninterest expense to average assets | 3.3451% | 2,157 |
| Loan and lease loss provision to assets | 0.1365% | 3,643 |
| Net operating income to assets | 1.4083% | 1,210 |
| Return on assets (ROA) | 1.4112% | 1,351 |
| Pretax return on assets | 1.4112% | 2,161 |
| Return on Equity (ROE) | 16.9102% | 687 |
| Retained earnings to average equity (ytd only) | 2.9923% | 4,756 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4086% | 4,092 |
| Assets per employee ($millions) | 3.5016% | 5,113 |
| Cash dividends to net income (ytd only)* | 82.3045% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 4,409 |
| Loan loss allowance to noncurrent loans | 12,437.5000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 6,929 |
| Noncurrent loans to loans | 0.0116% | 6,760 |
| Net loans and leases to total assets | 48.5421% | 5,481 |
| Net loans and leases to deposits | 53.6788% | 5,842 |
| Net loans and leases to core deposits | 54.8051% | 5,999 |
| Total domestic deposits to total assets | 90.4307% | 846 |
| Equity capital to assets | 8.1764% | 6,385 |
| Core capital (leverage) ratio | 7.4877% | 6,642 |
| Tier 1 risk-based capital ratio | 12.4004% | 5,686 |
| Total risk-based capital ratio | 13.6518% | 5,642 |
| Memoranda: | ||
| Average total assets | $137,755,000 | 4,078 |
| Average earning assets | $127,074,500 | 4,036 |
| Average equity | $11,496,000 | 4,728 |
| Average total loans | $67,415,500 | 4,535 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 5,212 |
| Cost of funding earning assets | 0.3267% | 7,057 |
| Net interest margin | 4.1354% | 2,285 |
| Noninterest income to average assets | 1.5977% | 529 |
| Noninterest expense to average assets | 3.8488% | 1,260 |
| Loan and lease loss provision to assets | 0.0314% | 6,172 |
| Net operating income to assets | 1.5341% | 773 |
| Return on assets (ROA) | 1.5382% | 830 |
| Pretax return on assets | 1.5382% | 1,372 |
| Return on Equity (ROE) | 17.0102% | 471 |
| Retained earnings to average equity (ytd only) | 3.3070% | 3,871 |
| Net charge-offs to loans | 0.0601% | 5,699 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 49.8684% | 564 |
| Efficiency ratio | 71.0864% | 3,767 |
| Assets per employee ($millions) | 3.3862% | 5,281 |
| Cash dividends to net income (ytd only)* | 80.5585% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 4,286 |
| Loan loss allowance to noncurrent loans | 1,896.0000% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 6,876 |
| Noncurrent loans to loans | 0.0759% | 6,625 |
| Net loans and leases to total assets | 47.9143% | 5,831 |
| Net loans and leases to deposits | 53.1462% | 6,129 |
| Net loans and leases to core deposits | 54.1723% | 6,291 |
| Total domestic deposits to total assets | 90.1556% | 908 |
| Equity capital to assets | 8.5199% | 6,122 |
| Core capital (leverage) ratio | 7.5553% | 6,619 |
| Tier 1 risk-based capital ratio | 12.8224% | 5,225 |
| Total risk-based capital ratio | 14.0741% | 5,202 |
| Memoranda: | ||
| Average total assets | $121,051,800 | 4,370 |
| Average earning assets | $111,719,200 | 4,346 |
| Average equity | $10,946,400 | 4,797 |
| Average total loans | $63,179,600 | 4,743 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 5,008 |
| Cost of funding earning assets | 0.3427% | 7,140 |
| Net interest margin | 4.2241% | 2,005 |
| Noninterest income to average assets | 1.6812% | 485 |
| Noninterest expense to average assets | 3.9890% | 1,016 |
| Loan and lease loss provision to assets | 0.0079% | 6,330 |
| Net operating income to assets | 1.6017% | 774 |
| Return on assets (ROA) | 1.6074% | 834 |
| Pretax return on assets | 1.6074% | 1,367 |
| Return on Equity (ROE) | 17.4843% | 511 |
| Retained earnings to average equity (ytd only) | 2.6795% | 4,751 |
| Net charge-offs to loans | 0.0811% | 5,164 |
| Credit loss provision to net charge-offs | 18.4211% | 5,580 |
| Earnings coverage of net charge-offs (x) | 37.3124% | 808 |
| Efficiency ratio | 71.2490% | 3,696 |
| Assets per employee ($millions) | 3.1495% | 5,787 |
| Cash dividends to net income (ytd only)* | 84.6754% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 4,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 46.9046% | 6,062 |
| Net loans and leases to deposits | 52.1172% | 6,356 |
| Net loans and leases to core deposits | 53.1840% | 6,500 |
| Total domestic deposits to total assets | 89.9983% | 868 |
| Equity capital to assets | 8.7007% | 6,084 |
| Core capital (leverage) ratio | 7.8096% | 6,554 |
| Tier 1 risk-based capital ratio | 13.2804% | 4,889 |
| Total risk-based capital ratio | 14.5330% | 4,864 |
| Memoranda: | ||
| Average total assets | $117,452,750 | 4,493 |
| Average earning assets | $108,928,000 | 4,457 |
| Average equity | $10,798,000 | 4,851 |
| Average total loans | $62,512,750 | 4,810 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7731% | 4,199 |
| Cost of funding earning assets | 0.3584% | 7,211 |
| Net interest margin | 4.4148% | 1,325 |
| Noninterest income to average assets | 1.6802% | 474 |
| Noninterest expense to average assets | 4.0348% | 997 |
| Loan and lease loss provision to assets | 0.0669% | 5,469 |
| Net operating income to assets | 1.6573% | 655 |
| Return on assets (ROA) | 1.6643% | 688 |
| Pretax return on assets | 1.6643% | 1,125 |
| Return on Equity (ROE) | 17.7426% | 480 |
| Retained earnings to average equity (ytd only) | 2.7412% | 4,537 |
| Net charge-offs to loans | 0.1241% | 4,484 |
| Credit loss provision to net charge-offs | 97.4359% | 3,239 |
| Earnings coverage of net charge-offs (x) | 25.1026% | 1,045 |
| Efficiency ratio | 70.0612% | 4,115 |
| Assets per employee ($millions) | 2.9177% | 6,265 |
| Cash dividends to net income (ytd only)* | 84.5503% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 4,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 52.0176% | 5,560 |
| Net loans and leases to deposits | 58.1144% | 5,924 |
| Net loans and leases to core deposits | 59.2623% | 6,163 |
| Total domestic deposits to total assets | 89.5089% | 1,234 |
| Equity capital to assets | 9.1569% | 5,345 |
| Core capital (leverage) ratio | 8.4392% | 5,646 |
| Tier 1 risk-based capital ratio | 13.3383% | 4,659 |
| Total risk-based capital ratio | 14.5904% | 4,637 |
| Memoranda: | ||
| Average total assets | $113,561,000 | 4,620 |
| Average earning assets | $104,921,000 | 4,586 |
| Average equity | $10,652,330 | 4,882 |
| Average total loans | $62,855,670 | 4,836 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 3,494 |
| Cost of funding earning assets | 0.3805% | 7,265 |
| Net interest margin | 4.5382% | 988 |
| Noninterest income to average assets | 1.5453% | 546 |
| Noninterest expense to average assets | 4.0858% | 936 |
| Loan and lease loss provision to assets | 0.1411% | 4,241 |
| Net operating income to assets | 1.5055% | 865 |
| Return on assets (ROA) | 1.5055% | 908 |
| Pretax return on assets | 1.5055% | 1,433 |
| Return on Equity (ROE) | 15.8454% | 694 |
| Retained earnings to average equity (ytd only) | 0.6094% | 5,589 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2753% | 3,994 |
| Assets per employee ($millions) | 2.8089% | 6,518 |
| Cash dividends to net income (ytd only)* | 96.1538% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 3,966 |
| Loan loss allowance to noncurrent loans | 1,671.1864% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 7,031 |
| Noncurrent loans to loans | 0.0927% | 6,814 |
| Net loans and leases to total assets | 55.7764% | 5,028 |
| Net loans and leases to deposits | 62.9870% | 5,385 |
| Net loans and leases to core deposits | 64.2481% | 5,696 |
| Total domestic deposits to total assets | 88.5523% | 2,045 |
| Equity capital to assets | 9.4247% | 4,531 |
| Core capital (leverage) ratio | 8.6589% | 5,157 |
| Tier 1 risk-based capital ratio | 13.5180% | 4,413 |
| Total risk-based capital ratio | 14.7706% | 4,380 |
| Memoranda: | ||
| Average total assets | $110,529,000 | 4,723 |
| Average earning assets | $101,979,000 | 4,689 |
| Average equity | $10,501,500 | 4,917 |
| Average total loans | $62,697,000 | 4,882 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1787% | 3,708 |
| Cost of funding earning assets | 0.4631% | 7,352 |
| Net interest margin | 4.7156% | 792 |
| Noninterest income to average assets | 1.8254% | 462 |
| Noninterest expense to average assets | 4.2776% | 833 |
| Loan and lease loss provision to assets | 0.1305% | 5,863 |
| Net operating income to assets | 1.7371% | 481 |
| Return on assets (ROA) | 1.7458% | 513 |
| Pretax return on assets | 1.7458% | 861 |
| Return on Equity (ROE) | 17.3891% | 443 |
| Retained earnings to average equity (ytd only) | 3.0495% | 3,717 |
| Net charge-offs to loans | 0.0603% | 6,188 |
| Credit loss provision to net charge-offs | 367.5676% | 690 |
| Earnings coverage of net charge-offs (x) | 52.5946% | 445 |
| Efficiency ratio | 69.6080% | 4,264 |
| Assets per employee ($millions) | 2.7873% | 6,538 |
| Cash dividends to net income (ytd only)* | 82.4629% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 3,839 |
| Loan loss allowance to noncurrent loans | 159.3277% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 5,887 |
| Noncurrent loans to loans | 0.9637% | 5,125 |
| Net loans and leases to total assets | 55.9253% | 5,358 |
| Net loans and leases to deposits | 62.8033% | 5,767 |
| Net loans and leases to core deposits | 63.8012% | 6,066 |
| Total domestic deposits to total assets | 89.0482% | 1,628 |
| Equity capital to assets | 9.5801% | 4,300 |
| Core capital (leverage) ratio | 9.0298% | 4,490 |
| Tier 1 risk-based capital ratio | 13.8469% | 3,965 |
| Total risk-based capital ratio | 15.0994% | 3,947 |
| Memoranda: | ||
| Average total assets | $104,194,400 | 4,864 |
| Average earning assets | $95,448,400 | 4,849 |
| Average equity | $10,460,600 | 4,994 |
| Average total loans | $61,335,000 | 5,013 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2667% | 3,503 |
| Cost of funding earning assets | 0.4806% | 7,471 |
| Net interest margin | 4.7861% | 695 |
| Noninterest income to average assets | 1.7593% | 467 |
| Noninterest expense to average assets | 4.2974% | 744 |
| Loan and lease loss provision to assets | 0.1268% | 5,756 |
| Net operating income to assets | 1.7154% | 608 |
| Return on assets (ROA) | 1.7270% | 642 |
| Pretax return on assets | 1.7270% | 1,059 |
| Return on Equity (ROE) | 16.9969% | 588 |
| Retained earnings to average equity (ytd only) | 2.9920% | 4,340 |
| Net charge-offs to loans | 0.0762% | 5,755 |
| Credit loss provision to net charge-offs | 280.0000% | 1,162 |
| Earnings coverage of net charge-offs (x) | 40.6818% | 676 |
| Efficiency ratio | 69.9958% | 4,069 |
| Assets per employee ($millions) | 2.7190% | 6,749 |
| Cash dividends to net income (ytd only)* | 82.3968% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 4,030 |
| Loan loss allowance to noncurrent loans | 492.9730% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 6,922 |
| Noncurrent loans to loans | 0.3014% | 6,586 |
| Net loans and leases to total assets | 57.0285% | 5,408 |
| Net loans and leases to deposits | 64.7234% | 5,820 |
| Net loans and leases to core deposits | 65.9192% | 6,130 |
| Total domestic deposits to total assets | 88.1111% | 1,895 |
| Equity capital to assets | 10.2046% | 3,878 |
| Core capital (leverage) ratio | 8.9656% | 4,744 |
| Tier 1 risk-based capital ratio | 13.9669% | 3,865 |
| Total risk-based capital ratio | 15.2195% | 3,830 |
| Memoranda: | ||
| Average total assets | $103,067,000 | 4,964 |
| Average earning assets | $94,326,750 | 4,944 |
| Average equity | $10,472,250 | 5,065 |
| Average total loans | $61,233,500 | 5,089 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 3,479 |
| Cost of funding earning assets | 0.4877% | 7,560 |
| Net interest margin | 4.8106% | 651 |
| Noninterest income to average assets | 1.7124% | 452 |
| Noninterest expense to average assets | 4.3810% | 661 |
| Loan and lease loss provision to assets | 0.1587% | 5,300 |
| Net operating income to assets | 1.5596% | 797 |
| Return on assets (ROA) | 1.5773% | 822 |
| Pretax return on assets | 1.5773% | 1,364 |
| Return on Equity (ROE) | 15.5465% | 756 |
| Retained earnings to average equity (ytd only) | 2.0278% | 4,848 |
| Net charge-offs to loans | 0.0915% | 5,217 |
| Credit loss provision to net charge-offs | 289.2857% | 1,283 |
| Earnings coverage of net charge-offs (x) | 31.3214% | 894 |
| Efficiency ratio | 71.8278% | 3,847 |
| Assets per employee ($millions) | 2.5603% | 7,022 |
| Cash dividends to net income (ytd only)* | 86.9565% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 4,115 |
| Loan loss allowance to noncurrent loans | 88.2583% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 5,192 |
| Noncurrent loans to loans | 1.6555% | 4,220 |
| Net loans and leases to total assets | 57.9496% | 5,424 |
| Net loans and leases to deposits | 66.1757% | 5,784 |
| Net loans and leases to core deposits | 67.7062% | 6,083 |
| Total domestic deposits to total assets | 87.5693% | 2,222 |
| Equity capital to assets | 10.0263% | 3,990 |
| Core capital (leverage) ratio | 9.2751% | 4,165 |
| Tier 1 risk-based capital ratio | 13.9296% | 3,781 |
| Total risk-based capital ratio | 15.1812% | 3,740 |
| Memoranda: | ||
| Average total assets | $102,076,000 | 5,015 |
| Average earning assets | $93,087,000 | 5,015 |
| Average equity | $10,356,000 | 5,098 |
| Average total loans | $61,183,000 | 5,127 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 3,525 |
| Cost of funding earning assets | 0.5042% | 7,668 |
| Net interest margin | 4.8006% | 646 |
| Noninterest income to average assets | 1.6695% | 455 |
| Noninterest expense to average assets | 4.5475% | 551 |
| Loan and lease loss provision to assets | 0.1709% | 4,820 |
| Net operating income to assets | 1.3038% | 1,291 |
| Return on assets (ROA) | 1.3038% | 1,361 |
| Pretax return on assets | 1.3038% | 2,036 |
| Return on Equity (ROE) | 12.7732% | 1,305 |
| Retained earnings to average equity (ytd only) | -2.8039% | 6,333 |
| Net charge-offs to loans | 0.0788% | 4,632 |
| Credit loss provision to net charge-offs | 358.3333% | 1,132 |
| Earnings coverage of net charge-offs (x) | 30.9167% | 850 |
| Efficiency ratio | 75.5116% | 3,299 |
| Assets per employee ($millions) | 2.2712% | 7,483 |
| Cash dividends to net income (ytd only)* | 121.9512% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 4,318 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 7,182 |
| Noncurrent loans to loans | 0.1066% | 7,131 |
| Net loans and leases to total assets | 61.0979% | 4,928 |
| Net loans and leases to deposits | 69.1778% | 5,447 |
| Net loans and leases to core deposits | 71.1678% | 5,812 |
| Total domestic deposits to total assets | 88.3202% | 1,893 |
| Equity capital to assets | 10.2659% | 3,514 |
| Core capital (leverage) ratio | 9.1347% | 4,319 |
| Tier 1 risk-based capital ratio | 13.6729% | 3,881 |
| Total risk-based capital ratio | 14.9247% | 3,833 |
| Memoranda: | ||
| Average total assets | $100,627,000 | 5,128 |
| Average earning assets | $91,239,500 | 5,128 |
| Average equity | $10,271,500 | 5,158 |
| Average total loans | $60,907,500 | 5,210 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5846% | 3,686 |
| Cost of funding earning assets | 0.6045% | 7,774 |
| Net interest margin | 4.9801% | 470 |
| Noninterest income to average assets | 2.5271% | 269 |
| Noninterest expense to average assets | 4.5971% | 718 |
| Loan and lease loss provision to assets | 0.1354% | 6,285 |
| Net operating income to assets | 2.3230% | 114 |
| Return on assets (ROA) | 2.4414% | 106 |
| Pretax return on assets | 2.4414% | 173 |
| Return on Equity (ROE) | 24.3864% | 102 |
| Retained earnings to average equity (ytd only) | 8.4437% | 600 |
| Net charge-offs to loans | 0.0966% | 6,168 |
| Credit loss provision to net charge-offs | 238.5965% | 1,508 |
| Earnings coverage of net charge-offs (x) | 43.3158% | 577 |
| Efficiency ratio | 65.1566% | 5,558 |
| Assets per employee ($millions) | 2.2026% | 7,569 |
| Cash dividends to net income (ytd only)* | 65.3752% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 4,132 |
| Loan loss allowance to noncurrent loans | 912.9032% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 6,700 |
| Noncurrent loans to loans | 0.1553% | 7,037 |
| Net loans and leases to total assets | 58.2594% | 5,620 |
| Net loans and leases to deposits | 65.8637% | 6,066 |
| Net loans and leases to core deposits | 76.0624% | 6,397 |
| Total domestic deposits to total assets | 88.4545% | 1,749 |
| Equity capital to assets | 10.1499% | 3,562 |
| Core capital (leverage) ratio | 9.2137% | 4,094 |
| Tier 1 risk-based capital ratio | 14.1149% | 3,432 |
| Total risk-based capital ratio | 15.3659% | 3,389 |
| Memoranda: | ||
| Average total assets | $100,432,200 | 5,080 |
| Average earning assets | $91,322,600 | 5,083 |
| Average equity | $10,054,800 | 5,286 |
| Average total loans | $59,000,800 | 5,300 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6556% | 3,542 |
| Cost of funding earning assets | 0.6291% | 7,869 |
| Net interest margin | 5.0266% | 420 |
| Noninterest income to average assets | 2.6876% | 248 |
| Noninterest expense to average assets | 4.5636% | 687 |
| Loan and lease loss provision to assets | 0.1064% | 6,310 |
| Net operating income to assets | 2.6104% | 89 |
| Return on assets (ROA) | 2.6144% | 98 |
| Pretax return on assets | 2.6144% | 161 |
| Return on Equity (ROE) | 26.2059% | 94 |
| Retained earnings to average equity (ytd only) | 10.2023% | 597 |
| Net charge-offs to loans | 0.0295% | 6,472 |
| Credit loss provision to net charge-offs | 615.3846% | 618 |
| Earnings coverage of net charge-offs (x) | 157.1033% | 242 |
| Efficiency ratio | 62.6827% | 5,983 |
| Assets per employee ($millions) | 2.2933% | 7,507 |
| Cash dividends to net income (ytd only)* | 61.0688% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 4,035 |
| Loan loss allowance to noncurrent loans | 286.6438% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 6,768 |
| Noncurrent loans to loans | 0.4826% | 6,350 |
| Net loans and leases to total assets | 59.1350% | 5,722 |
| Net loans and leases to deposits | 67.3480% | 6,185 |
| Net loans and leases to core deposits | 77.6869% | 6,516 |
| Total domestic deposits to total assets | 87.8051% | 1,745 |
| Equity capital to assets | 10.2812% | 3,752 |
| Core capital (leverage) ratio | 9.4870% | 3,925 |
| Tier 1 risk-based capital ratio | 14.0061% | 3,550 |
| Total risk-based capital ratio | 15.2573% | 3,500 |
| Memoranda: | ||
| Average total assets | $100,210,000 | 5,121 |
| Average earning assets | $91,564,250 | 5,107 |
| Average equity | $9,997,500 | 5,338 |
| Average total loans | $58,781,500 | 5,348 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6951% | 3,567 |
| Cost of funding earning assets | 0.6559% | 7,955 |
| Net interest margin | 5.0392% | 394 |
| Noninterest income to average assets | 3.0726% | 206 |
| Noninterest expense to average assets | 4.6990% | 642 |
| Loan and lease loss provision to assets | 0.0740% | 6,450 |
| Net operating income to assets | 2.9106% | 68 |
| Return on assets (ROA) | 2.9106% | 76 |
| Pretax return on assets | 2.9106% | 114 |
| Return on Equity (ROE) | 29.4773% | 77 |
| Retained earnings to average equity (ytd only) | 13.2699% | 300 |
| Net charge-offs to loans | -0.0034% | 7,501 |
| Credit loss provision to net charge-offs | -3,700.0000% | 7,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1559% | 6,375 |
| Assets per employee ($millions) | 2.1629% | 7,713 |
| Cash dividends to net income (ytd only)* | 54.9828% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 3,671 |
| Loan loss allowance to noncurrent loans | 340.9283% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 6,876 |
| Noncurrent loans to loans | 0.4136% | 6,475 |
| Net loans and leases to total assets | 58.0479% | 5,955 |
| Net loans and leases to deposits | 65.9453% | 6,398 |
| Net loans and leases to core deposits | 76.0342% | 6,671 |
| Total domestic deposits to total assets | 88.0242% | 1,759 |
| Equity capital to assets | 10.2373% | 3,688 |
| Core capital (leverage) ratio | 9.1764% | 4,339 |
| Tier 1 risk-based capital ratio | 14.4386% | 3,286 |
| Total risk-based capital ratio | 15.6669% | 3,231 |
| Memoranda: | ||
| Average total assets | $99,979,000 | 5,161 |
| Average earning assets | $91,482,670 | 5,145 |
| Average equity | $9,872,000 | 5,397 |
| Average total loans | $58,206,670 | 5,412 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7709% | 3,433 |
| Cost of funding earning assets | 0.6797% | 8,003 |
| Net interest margin | 5.0912% | 331 |
| Noninterest income to average assets | 4.2368% | 157 |
| Noninterest expense to average assets | 4.9238% | 509 |
| Loan and lease loss provision to assets | -0.0395% | 8,188 |
| Net operating income to assets | 3.9959% | 33 |
| Return on assets (ROA) | 3.9959% | 39 |
| Pretax return on assets | 3.9959% | 61 |
| Return on Equity (ROE) | 41.1968% | 42 |
| Retained earnings to average equity (ytd only) | 24.9135% | 83 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4469% | 7,043 |
| Assets per employee ($millions) | 2.2846% | 7,609 |
| Cash dividends to net income (ytd only)* | 39.5257% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 4,014 |
| Loan loss allowance to noncurrent loans | 2,451.6129% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 7,530 |
| Noncurrent loans to loans | 0.0535% | 7,388 |
| Net loans and leases to total assets | 55.6571% | 6,290 |
| Net loans and leases to deposits | 62.9469% | 6,650 |
| Net loans and leases to core deposits | 72.0682% | 6,911 |
| Total domestic deposits to total assets | 88.4192% | 1,517 |
| Equity capital to assets | 9.8523% | 4,178 |
| Core capital (leverage) ratio | 9.0288% | 4,658 |
| Tier 1 risk-based capital ratio | 13.8739% | 3,653 |
| Total risk-based capital ratio | 15.0990% | 3,593 |
| Memoranda: | ||
| Average total assets | $101,303,500 | 5,140 |
| Average earning assets | $92,395,000 | 5,134 |
| Average equity | $9,826,000 | 5,445 |
| Average total loans | $58,657,000 | 5,420 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6805% | 2,100 |
| Cost of funding earning assets | 1.2740% | 7,869 |
| Net interest margin | 5.4065% | 237 |
| Noninterest income to average assets | 2.6906% | 232 |
| Noninterest expense to average assets | 5.0429% | 608 |
| Loan and lease loss provision to assets | 0.0314% | 7,013 |
| Net operating income to assets | 2.4696% | 136 |
| Return on assets (ROA) | 2.5262% | 120 |
| Pretax return on assets | 2.5262% | 184 |
| Return on Equity (ROE) | 26.9877% | 97 |
| Retained earnings to average equity (ytd only) | 2.3385% | 3,748 |
| Net charge-offs to loans | 0.0058% | 6,889 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 796.0000% | 65 |
| Efficiency ratio | 66.8471% | 4,931 |
| Assets per employee ($millions) | 2.1234% | 7,797 |
| Cash dividends to net income (ytd only)* | 91.3350% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 3,813 |
| Loan loss allowance to noncurrent loans | 1,325.8621% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 7,337 |
| Noncurrent loans to loans | 0.0978% | 7,122 |
| Net loans and leases to total assets | 58.6830% | 6,107 |
| Net loans and leases to deposits | 65.6934% | 6,665 |
| Net loans and leases to core deposits | 74.9383% | 6,917 |
| Total domestic deposits to total assets | 89.3286% | 907 |
| Equity capital to assets | 9.5422% | 4,619 |
| Core capital (leverage) ratio | 8.5835% | 5,419 |
| Tier 1 risk-based capital ratio | 12.7059% | 4,286 |
| Total risk-based capital ratio | 13.8471% | 4,280 |
| Memoranda: | ||
| Average total assets | $95,480,800 | 5,187 |
| Average earning assets | $85,712,000 | 5,241 |
| Average equity | $8,937,400 | 5,758 |
| Average total loans | $51,896,400 | 5,623 |