Home > The Pennsville National Bank > Performance and Condition Ratios
The Pennsville National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 4,172 |
| Cost of funding earning assets | 0.4210% | 4,311 |
| Net interest margin | 3.7746% | 1,727 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.2221% | 3,058 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 1.3436% | 1,386 |
| Return on assets (ROA) | 1.3436% | 1,377 |
| Pretax return on assets | 1.6336% | 1,233 |
| Return on Equity (ROE) | 16.7300% | 794 |
| Retained earnings to average equity (ytd only) | 16.7255% | 293 |
| Net charge-offs to loans | 0.9551% | 171 |
| Credit loss provision to net charge-offs | 36.0000% | 1,608 |
| Earnings coverage of net charge-offs (x) | 5.0240% | 1,929 |
| Efficiency ratio | 55.8058% | 3,437 |
| Assets per employee ($millions) | 9.0143% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 3,441 |
| Loan loss allowance to noncurrent loans | 114.5952% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 2,066 |
| Noncurrent loans to loans | 0.8303% | 1,260 |
| Net loans and leases to total assets | 36.2700% | 4,081 |
| Net loans and leases to deposits | 39.9088% | 4,129 |
| Net loans and leases to core deposits | 40.2172% | 4,163 |
| Total domestic deposits to total assets | 90.8800% | 552 |
| Equity capital to assets | 8.3347% | 3,420 |
| Core capital (leverage) ratio | 8.9687% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5117% | 491 |
| Memoranda: | ||
| Average total assets | $285,499,500 | 2,546 |
| Average earning assets | $275,528,000 | 2,498 |
| Average equity | $22,935,000 | 2,830 |
| Average total loans | $104,705,000 | 3,171 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8426% | 4,340 |
| Cost of funding earning assets | 0.6346% | 4,261 |
| Net interest margin | 3.2080% | 2,704 |
| Noninterest income to average assets | 0.3400% | 2,807 |
| Noninterest expense to average assets | 2.0315% | 3,542 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 1.0329% | 1,951 |
| Return on assets (ROA) | 1.0329% | 1,947 |
| Pretax return on assets | 1.2368% | 1,906 |
| Return on Equity (ROE) | 14.6400% | 1,004 |
| Retained earnings to average equity (ytd only) | 11.1110% | 419 |
| Net charge-offs to loans | 0.2421% | 613 |
| Credit loss provision to net charge-offs | 200.8929% | 1,127 |
| Earnings coverage of net charge-offs (x) | 17.4955% | 1,926 |
| Efficiency ratio | 59.2492% | 3,249 |
| Assets per employee ($millions) | 9.1143% | 1,022 |
| Cash dividends to net income (ytd only)* | 24.0939% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 2,579 |
| Loan loss allowance to noncurrent loans | 128.8398% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 1,966 |
| Noncurrent loans to loans | 0.8720% | 1,144 |
| Net loans and leases to total assets | 36.3200% | 4,107 |
| Net loans and leases to deposits | 39.5877% | 4,167 |
| Net loans and leases to core deposits | 39.8605% | 4,194 |
| Total domestic deposits to total assets | 91.7400% | 347 |
| Equity capital to assets | 7.7256% | 3,655 |
| Core capital (leverage) ratio | 8.8673% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2994% | 574 |
| Memoranda: | ||
| Average total assets | $280,482,800 | 2,555 |
| Average earning assets | $269,922,800 | 2,501 |
| Average equity | $19,791,200 | 2,989 |
| Average total loans | $92,526,600 | 3,281 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7511% | 4,388 |
| Cost of funding earning assets | 0.6729% | 4,270 |
| Net interest margin | 3.0782% | 2,950 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 2.0678% | 3,404 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.9482% | 2,217 |
| Return on assets (ROA) | 0.9482% | 2,229 |
| Pretax return on assets | 1.1606% | 2,089 |
| Return on Equity (ROE) | 13.7700% | 1,192 |
| Retained earnings to average equity (ytd only) | 10.6556% | 713 |
| Net charge-offs to loans | 0.1977% | 593 |
| Credit loss provision to net charge-offs | 105.2632% | 1,609 |
| Earnings coverage of net charge-offs (x) | 19.3759% | 1,771 |
| Efficiency ratio | 62.7547% | 2,844 |
| Assets per employee ($millions) | 8.3315% | 1,333 |
| Cash dividends to net income (ytd only)* | 22.6017% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,343 |
| Loan loss allowance to noncurrent loans | 130.6207% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 2,179 |
| Noncurrent loans to loans | 0.7496% | 1,319 |
| Net loans and leases to total assets | 34.8300% | 4,161 |
| Net loans and leases to deposits | 38.1600% | 4,222 |
| Net loans and leases to core deposits | 38.4369% | 4,252 |
| Total domestic deposits to total assets | 91.2800% | 300 |
| Equity capital to assets | 7.9643% | 3,730 |
| Core capital (leverage) ratio | 8.7447% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9858% | 593 |
| Memoranda: | ||
| Average total assets | $279,968,000 | 2,552 |
| Average earning assets | $269,280,750 | 2,504 |
| Average equity | $19,282,000 | 3,018 |
| Average total loans | $89,713,250 | 3,315 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7124% | 4,403 |
| Cost of funding earning assets | 0.6759% | 4,268 |
| Net interest margin | 3.0366% | 2,981 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 2.0558% | 3,433 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.9295% | 2,219 |
| Return on assets (ROA) | 0.9295% | 2,225 |
| Pretax return on assets | 1.1383% | 2,099 |
| Return on Equity (ROE) | 14.2200% | 1,123 |
| Retained earnings to average equity (ytd only) | 12.0150% | 541 |
| Net charge-offs to loans | 0.0847% | 953 |
| Credit loss provision to net charge-offs | 162.1622% | 1,158 |
| Earnings coverage of net charge-offs (x) | 44.9459% | 1,188 |
| Efficiency ratio | 63.5147% | 2,830 |
| Assets per employee ($millions) | 8.8283% | 1,066 |
| Cash dividends to net income (ytd only)* | 15.5080% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 2,968 |
| Loan loss allowance to noncurrent loans | 176.3736% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,407 |
| Noncurrent loans to loans | 0.6029% | 1,517 |
| Net loans and leases to total assets | 32.7400% | 4,213 |
| Net loans and leases to deposits | 35.4916% | 4,270 |
| Net loans and leases to core deposits | 35.6934% | 4,284 |
| Total domestic deposits to total assets | 92.2500% | 230 |
| Equity capital to assets | 7.0879% | 3,904 |
| Core capital (leverage) ratio | 8.4989% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2376% | 661 |
| Memoranda: | ||
| Average total assets | $281,644,000 | 2,540 |
| Average earning assets | $270,767,333 | 2,494 |
| Average equity | $18,410,333 | 3,057 |
| Average total loans | $87,378,000 | 3,344 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6043% | 4,445 |
| Cost of funding earning assets | 0.6830% | 4,259 |
| Net interest margin | 2.9213% | 3,154 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 2.1076% | 3,286 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.7786% | 2,601 |
| Return on assets (ROA) | 0.7786% | 2,616 |
| Pretax return on assets | 0.9747% | 2,456 |
| Return on Equity (ROE) | 12.4100% | 1,457 |
| Retained earnings to average equity (ytd only) | 12.4131% | 675 |
| Net charge-offs to loans | 0.0187% | 1,481 |
| Credit loss provision to net charge-offs | 750.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 181.5000% | 441 |
| Efficiency ratio | 67.4585% | 2,438 |
| Assets per employee ($millions) | 8.8728% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 2,847 |
| Loan loss allowance to noncurrent loans | 119.1122% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 1,963 |
| Noncurrent loans to loans | 0.9192% | 947 |
| Net loans and leases to total assets | 30.7300% | 4,262 |
| Net loans and leases to deposits | 33.0886% | 4,300 |
| Net loans and leases to core deposits | 33.3117% | 4,365 |
| Total domestic deposits to total assets | 92.8900% | 200 |
| Equity capital to assets | 6.4347% | 4,096 |
| Core capital (leverage) ratio | 8.1024% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5430% | 737 |
| Memoranda: | ||
| Average total assets | $285,627,500 | 2,530 |
| Average earning assets | $274,670,500 | 2,487 |
| Average equity | $17,916,500 | 3,099 |
| Average total loans | $85,783,000 | 3,371 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0026% | 4,522 |
| Cost of funding earning assets | 0.6199% | 4,039 |
| Net interest margin | 2.3827% | 4,202 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.9307% | 3,772 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.5450% | 3,580 |
| Return on assets (ROA) | 0.5450% | 3,565 |
| Pretax return on assets | 0.6493% | 3,537 |
| Return on Equity (ROE) | 10.5500% | 2,348 |
| Retained earnings to average equity (ytd only) | 10.5525% | 892 |
| Net charge-offs to loans | 0.1031% | 888 |
| Credit loss provision to net charge-offs | 73.1707% | 2,068 |
| Earnings coverage of net charge-offs (x) | 22.9024% | 1,802 |
| Efficiency ratio | 74.2175% | 1,433 |
| Assets per employee ($millions) | 8.9790% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 2,676 |
| Loan loss allowance to noncurrent loans | 152.8455% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 2,154 |
| Noncurrent loans to loans | 0.7380% | 1,059 |
| Net loans and leases to total assets | 28.6800% | 4,323 |
| Net loans and leases to deposits | 30.7279% | 4,350 |
| Net loans and leases to core deposits | 30.9339% | 4,388 |
| Total domestic deposits to total assets | 93.3200% | 149 |
| Equity capital to assets | 6.1125% | 4,214 |
| Core capital (leverage) ratio | 7.9472% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1800% | 765 |
| Memoranda: | ||
| Average total assets | $279,998,400 | 2,526 |
| Average earning assets | $266,166,800 | 2,482 |
| Average equity | $14,461,000 | 3,307 |
| Average total loans | $79,525,200 | 3,416 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8551% | 4,552 |
| Cost of funding earning assets | 0.6055% | 3,962 |
| Net interest margin | 2.2496% | 4,326 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.9297% | 3,758 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4328% | 3,906 |
| Return on assets (ROA) | 0.4328% | 3,906 |
| Pretax return on assets | 0.5129% | 3,886 |
| Return on Equity (ROE) | 8.8000% | 2,982 |
| Retained earnings to average equity (ytd only) | 8.7974% | 1,741 |
| Net charge-offs to loans | 0.1035% | 764 |
| Credit loss provision to net charge-offs | 49.1803% | 1,899 |
| Earnings coverage of net charge-offs (x) | 18.0328% | 1,881 |
| Efficiency ratio | 78.5408% | 966 |
| Assets per employee ($millions) | 8.1745% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 2,690 |
| Loan loss allowance to noncurrent loans | 147.0774% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 2,118 |
| Noncurrent loans to loans | 0.7728% | 1,078 |
| Net loans and leases to total assets | 29.1400% | 4,330 |
| Net loans and leases to deposits | 30.9376% | 4,369 |
| Net loans and leases to core deposits | 31.1800% | 4,371 |
| Total domestic deposits to total assets | 94.1800% | 175 |
| Equity capital to assets | 5.2344% | 4,204 |
| Core capital (leverage) ratio | 7.8920% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3382% | 902 |
| Memoranda: | ||
| Average total assets | $278,166,250 | 2,538 |
| Average earning assets | $263,565,750 | 2,505 |
| Average equity | $13,685,500 | 3,360 |
| Average total loans | $78,572,750 | 3,435 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7891% | 4,586 |
| Cost of funding earning assets | 0.6107% | 3,720 |
| Net interest margin | 2.1785% | 4,439 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.9098% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3982% | 4,004 |
| Return on assets (ROA) | 0.3982% | 4,013 |
| Pretax return on assets | 0.4773% | 4,005 |
| Return on Equity (ROE) | 8.2700% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.2699% | 1,883 |
| Net charge-offs to loans | 0.1446% | 530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 1,956 |
| Efficiency ratio | 80.0060% | 840 |
| Assets per employee ($millions) | 7.8742% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 2,586 |
| Loan loss allowance to noncurrent loans | 95.4689% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 1,532 |
| Noncurrent loans to loans | 1.2268% | 577 |
| Net loans and leases to total assets | 27.7400% | 4,365 |
| Net loans and leases to deposits | 29.3932% | 4,404 |
| Net loans and leases to core deposits | 29.6249% | 4,407 |
| Total domestic deposits to total assets | 94.3700% | 131 |
| Equity capital to assets | 5.0494% | 4,376 |
| Core capital (leverage) ratio | 7.7573% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9584% | 965 |
| Memoranda: | ||
| Average total assets | $278,244,000 | 2,539 |
| Average earning assets | $262,661,000 | 2,517 |
| Average equity | $13,398,000 | 3,400 |
| Average total loans | $77,460,667 | 3,453 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6945% | 4,619 |
| Cost of funding earning assets | 0.5652% | 3,485 |
| Net interest margin | 2.1294% | 4,524 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.8972% | 3,854 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3105% | 4,235 |
| Return on assets (ROA) | 0.3105% | 4,199 |
| Pretax return on assets | 0.3677% | 4,180 |
| Return on Equity (ROE) | 6.6100% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.6063% | 2,616 |
| Net charge-offs to loans | 0.0671% | 736 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 19.7692% | 1,457 |
| Efficiency ratio | 83.7650% | 605 |
| Assets per employee ($millions) | 8.8938% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,524 |
| Loan loss allowance to noncurrent loans | 111.1241% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 1,663 |
| Noncurrent loans to loans | 1.0852% | 658 |
| Net loans and leases to total assets | 27.3200% | 4,414 |
| Net loans and leases to deposits | 28.8942% | 4,468 |
| Net loans and leases to core deposits | 29.1164% | 4,472 |
| Total domestic deposits to total assets | 94.5400% | 125 |
| Equity capital to assets | 4.8970% | 4,435 |
| Core capital (leverage) ratio | 7.6358% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4193% | 1,087 |
| Memoranda: | ||
| Average total assets | $279,568,000 | 2,559 |
| Average earning assets | $261,862,000 | 2,549 |
| Average equity | $13,139,000 | 3,464 |
| Average total loans | $77,514,000 | 3,489 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1810% | 4,579 |
| Cost of funding earning assets | 0.2244% | 3,560 |
| Net interest margin | 1.9566% | 4,563 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.8922% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2726% | 4,393 |
| Return on assets (ROA) | 0.2726% | 4,371 |
| Pretax return on assets | 0.3476% | 4,333 |
| Return on Equity (ROE) | 5.0000% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.9969% | 3,054 |
| Net charge-offs to loans | 0.3455% | 220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.6367% | 2,457 |
| Efficiency ratio | 84.4807% | 469 |
| Assets per employee ($millions) | 8.3192% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,097 |
| Loan loss allowance to noncurrent loans | 85.0575% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 1,250 |
| Noncurrent loans to loans | 1.4816% | 440 |
| Net loans and leases to total assets | 27.4500% | 4,448 |
| Net loans and leases to deposits | 28.9112% | 4,491 |
| Net loans and leases to core deposits | 29.1845% | 4,494 |
| Total domestic deposits to total assets | 94.9600% | 147 |
| Equity capital to assets | 4.4952% | 4,463 |
| Core capital (leverage) ratio | 7.6318% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1555% | 1,103 |
| Memoranda: | ||
| Average total assets | $267,832,000 | 2,621 |
| Average earning assets | $247,365,200 | 2,634 |
| Average equity | $14,609,000 | 3,405 |
| Average total loans | $74,096,600 | 3,502 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0598% | 4,595 |
| Cost of funding earning assets | 0.1282% | 4,046 |
| Net interest margin | 1.9316% | 4,573 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.9316% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2244% | 4,453 |
| Return on assets (ROA) | 0.2244% | 4,418 |
| Pretax return on assets | 0.2820% | 4,393 |
| Return on Equity (ROE) | 3.9400% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.9359% | 3,465 |
| Net charge-offs to loans | 0.4188% | 150 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.4372% | 2,246 |
| Efficiency ratio | 87.2596% | 409 |
| Assets per employee ($millions) | 7.9609% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 1,787 |
| Loan loss allowance to noncurrent loans | 83.0109% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 1,237 |
| Noncurrent loans to loans | 1.6314% | 411 |
| Net loans and leases to total assets | 26.5600% | 4,495 |
| Net loans and leases to deposits | 27.8507% | 4,534 |
| Net loans and leases to core deposits | 28.2628% | 4,533 |
| Total domestic deposits to total assets | 95.3700% | 183 |
| Equity capital to assets | 4.0352% | 4,473 |
| Core capital (leverage) ratio | 7.5653% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9591% | 1,185 |
| Memoranda: | ||
| Average total assets | $266,156,250 | 2,650 |
| Average earning assets | $246,559,250 | 2,652 |
| Average equity | $15,176,000 | 3,393 |
| Average total loans | $73,537,000 | 3,527 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9735% | 4,631 |
| Cost of funding earning assets | 0.0529% | 4,578 |
| Net interest margin | 1.9206% | 4,592 |
| Noninterest income to average assets | 0.4013% | 2,751 |
| Noninterest expense to average assets | 1.9664% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1761% | 4,453 |
| Return on assets (ROA) | 0.1761% | 4,416 |
| Pretax return on assets | 0.2192% | 4,390 |
| Return on Equity (ROE) | 2.8082% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.8082% | 3,508 |
| Net charge-offs to loans | 0.6183% | 102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1.2719% | 2,074 |
| Efficiency ratio | 89.9723% | 407 |
| Assets per employee ($millions) | 8.0535% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 2,083 |
| Loan loss allowance to noncurrent loans | 131.3413% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 1,558 |
| Noncurrent loans to loans | 1.0073% | 830 |
| Net loans and leases to total assets | 27.7551% | 4,523 |
| Net loans and leases to deposits | 29.4110% | 4,557 |
| Net loans and leases to core deposits | 29.5894% | 4,575 |
| Total domestic deposits to total assets | 94.3699% | 218 |
| Equity capital to assets | 5.0627% | 4,460 |
| Core capital (leverage) ratio | 7.5611% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6803% | 1,263 |
| Memoranda: | ||
| Average total assets | $264,651,667 | 2,681 |
| Average earning assets | $245,859,333 | 2,692 |
| Average equity | $16,594,000 | 3,351 |
| Average total loans | $73,755,667 | 3,555 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9470% | 4,628 |
| Cost of funding earning assets | 0.0407% | 4,655 |
| Net interest margin | 1.9062% | 4,572 |
| Noninterest income to average assets | 0.4226% | 2,538 |
| Noninterest expense to average assets | 1.9024% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2393% | 4,262 |
| Return on assets (ROA) | 0.2393% | 4,235 |
| Pretax return on assets | 0.2923% | 4,196 |
| Return on Equity (ROE) | 3.4795% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.4795% | 3,127 |
| Net charge-offs to loans | 0.0437% | 847 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 24.1250% | 1,217 |
| Efficiency ratio | 86.6805% | 694 |
| Assets per employee ($millions) | 8.0466% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 1,180 |
| Loan loss allowance to noncurrent loans | 104.5808% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 1,263 |
| Noncurrent loans to loans | 1.5657% | 512 |
| Net loans and leases to total assets | 27.3742% | 4,525 |
| Net loans and leases to deposits | 29.2650% | 4,568 |
| Net loans and leases to core deposits | 29.3530% | 4,591 |
| Total domestic deposits to total assets | 93.5392% | 166 |
| Equity capital to assets | 5.8888% | 4,606 |
| Core capital (leverage) ratio | 7.6693% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2612% | 1,434 |
| Memoranda: | ||
| Average total assets | $264,094,000 | 2,696 |
| Average earning assets | $245,509,500 | 2,707 |
| Average equity | $18,163,500 | 3,313 |
| Average total loans | $73,257,000 | 3,567 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4493% | 4,517 |
| Cost of funding earning assets | 0.0497% | 4,689 |
| Net interest margin | 2.3996% | 4,320 |
| Noninterest income to average assets | 0.4719% | 2,711 |
| Noninterest expense to average assets | 1.8832% | 3,959 |
| Loan and lease loss provision to assets | 0.0160% | 2,758 |
| Net operating income to assets | 0.5315% | 4,017 |
| Return on assets (ROA) | 0.5315% | 4,066 |
| Pretax return on assets | 0.6962% | 3,934 |
| Return on Equity (ROE) | 6.1778% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.1778% | 2,281 |
| Net charge-offs to loans | 0.0534% | 1,261 |
| Credit loss provision to net charge-offs | 114.2857% | 1,682 |
| Earnings coverage of net charge-offs (x) | 50.8857% | 1,285 |
| Efficiency ratio | 72.5578% | 1,449 |
| Assets per employee ($millions) | 8.2078% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 1,101 |
| Loan loss allowance to noncurrent loans | 136.2822% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 1,686 |
| Noncurrent loans to loans | 1.2298% | 784 |
| Net loans and leases to total assets | 27.1837% | 4,589 |
| Net loans and leases to deposits | 29.5990% | 4,629 |
| Net loans and leases to core deposits | 29.6905% | 4,648 |
| Total domestic deposits to total assets | 91.8401% | 226 |
| Equity capital to assets | 7.8774% | 4,430 |
| Core capital (leverage) ratio | 7.8139% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9636% | 1,526 |
| Memoranda: | ||
| Average total assets | $250,055,400 | 2,728 |
| Average earning assets | $221,291,200 | 2,804 |
| Average equity | $21,512,400 | 3,095 |
| Average total loans | $65,599,200 | 3,732 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5665% | 4,522 |
| Cost of funding earning assets | 0.0518% | 4,770 |
| Net interest margin | 2.5148% | 4,248 |
| Noninterest income to average assets | 0.4757% | 2,729 |
| Noninterest expense to average assets | 2.0147% | 3,622 |
| Loan and lease loss provision to assets | 0.0215% | 2,563 |
| Net operating income to assets | 0.4882% | 4,227 |
| Return on assets (ROA) | 0.4882% | 4,273 |
| Pretax return on assets | 0.6431% | 4,171 |
| Return on Equity (ROE) | 5.5498% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.5498% | 3,023 |
| Net charge-offs to loans | 0.0564% | 1,079 |
| Credit loss provision to net charge-offs | 148.1481% | 1,365 |
| Earnings coverage of net charge-offs (x) | 45.5926% | 1,286 |
| Efficiency ratio | 75.1915% | 1,101 |
| Assets per employee ($millions) | 8.1732% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7714% | 985 |
| Loan loss allowance to noncurrent loans | 79.8046% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 1,262 |
| Noncurrent loans to loans | 2.2196% | 372 |
| Net loans and leases to total assets | 26.8111% | 4,686 |
| Net loans and leases to deposits | 29.4405% | 4,715 |
| Net loans and leases to core deposits | 29.5037% | 4,734 |
| Total domestic deposits to total assets | 91.0688% | 346 |
| Equity capital to assets | 8.4699% | 4,233 |
| Core capital (leverage) ratio | 7.7529% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7992% | 1,685 |
| Memoranda: | ||
| Average total assets | $246,906,750 | 2,770 |
| Average earning assets | $216,368,250 | 2,865 |
| Average equity | $21,718,000 | 3,118 |
| Average total loans | $63,845,250 | 3,816 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4821% | 4,630 |
| Cost of funding earning assets | 0.0549% | 4,803 |
| Net interest margin | 2.4272% | 4,398 |
| Noninterest income to average assets | 0.4731% | 2,740 |
| Noninterest expense to average assets | 2.0429% | 3,567 |
| Loan and lease loss provision to assets | 0.0327% | 2,328 |
| Net operating income to assets | 0.3922% | 4,402 |
| Return on assets (ROA) | 0.3922% | 4,441 |
| Pretax return on assets | 0.5303% | 4,336 |
| Return on Equity (ROE) | 4.4029% | 4,252 |
| Retained earnings to average equity (ytd only) | 4.4029% | 3,398 |
| Net charge-offs to loans | 0.0934% | 777 |
| Credit loss provision to net charge-offs | 137.9310% | 1,194 |
| Earnings coverage of net charge-offs (x) | 23.7586% | 1,456 |
| Efficiency ratio | 78.3945% | 890 |
| Assets per employee ($millions) | 7.4956% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9367% | 690 |
| Loan loss allowance to noncurrent loans | 120.9693% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 1,975 |
| Noncurrent loans to loans | 1.6010% | 688 |
| Net loans and leases to total assets | 25.0349% | 4,768 |
| Net loans and leases to deposits | 27.5559% | 4,787 |
| Net loans and leases to core deposits | 27.6166% | 4,806 |
| Total domestic deposits to total assets | 90.8512% | 416 |
| Equity capital to assets | 8.7029% | 4,043 |
| Core capital (leverage) ratio | 7.7306% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3784% | 1,510 |
| Memoranda: | ||
| Average total assets | $244,752,667 | 2,775 |
| Average earning assets | $215,058,333 | 2,871 |
| Average equity | $21,804,000 | 3,106 |
| Average total loans | $62,075,000 | 3,860 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5413% | 4,618 |
| Cost of funding earning assets | 0.0594% | 4,824 |
| Net interest margin | 2.4819% | 4,326 |
| Noninterest income to average assets | 0.3960% | 3,109 |
| Noninterest expense to average assets | 2.1458% | 3,284 |
| Loan and lease loss provision to assets | 0.0657% | 1,830 |
| Net operating income to assets | 0.3943% | 4,367 |
| Return on assets (ROA) | 0.3943% | 4,394 |
| Pretax return on assets | 0.3812% | 4,511 |
| Return on Equity (ROE) | 4.3751% | 4,211 |
| Retained earnings to average equity (ytd only) | 4.3751% | 3,393 |
| Net charge-offs to loans | -0.0065% | 3,495 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7630% | 657 |
| Assets per employee ($millions) | 8.9285% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 573 |
| Loan loss allowance to noncurrent loans | 111.1901% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 1,154 |
| Noncurrent loans to loans | 1.8188% | 633 |
| Net loans and leases to total assets | 24.2633% | 4,807 |
| Net loans and leases to deposits | 26.6909% | 4,829 |
| Net loans and leases to core deposits | 26.6909% | 4,843 |
| Total domestic deposits to total assets | 90.9048% | 436 |
| Equity capital to assets | 8.6592% | 3,991 |
| Core capital (leverage) ratio | 7.9376% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2497% | 1,834 |
| Memoranda: | ||
| Average total assets | $243,451,500 | 2,771 |
| Average earning assets | $215,479,500 | 2,850 |
| Average equity | $21,942,500 | 3,082 |
| Average total loans | $61,538,500 | 3,888 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9175% | 4,695 |
| Cost of funding earning assets | 0.1099% | 4,841 |
| Net interest margin | 2.8076% | 4,252 |
| Noninterest income to average assets | 0.3822% | 3,199 |
| Noninterest expense to average assets | 2.2915% | 3,428 |
| Loan and lease loss provision to assets | 0.1562% | 2,417 |
| Net operating income to assets | 0.4056% | 4,232 |
| Return on assets (ROA) | 0.5021% | 4,111 |
| Pretax return on assets | 0.6615% | 3,960 |
| Return on Equity (ROE) | 5.2287% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.2287% | 2,171 |
| Net charge-offs to loans | 0.4841% | 336 |
| Credit loss provision to net charge-offs | 117.2414% | 2,658 |
| Earnings coverage of net charge-offs (x) | 5.2207% | 2,885 |
| Efficiency ratio | 76.7149% | 1,150 |
| Assets per employee ($millions) | 8.4666% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9762% | 624 |
| Loan loss allowance to noncurrent loans | 68.0899% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 798 |
| Noncurrent loans to loans | 2.9024% | 306 |
| Net loans and leases to total assets | 25.3588% | 4,831 |
| Net loans and leases to deposits | 28.1378% | 4,857 |
| Net loans and leases to core deposits | 28.1378% | 4,870 |
| Total domestic deposits to total assets | 90.1234% | 517 |
| Equity capital to assets | 9.4341% | 3,676 |
| Core capital (leverage) ratio | 8.1856% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,675,400 | 2,813 |
| Average earning assets | $201,955,000 | 2,806 |
| Average equity | $20,904,000 | 3,102 |
| Average total loans | $59,900,200 | 3,921 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0652% | 4,689 |
| Cost of funding earning assets | 0.1243% | 4,867 |
| Net interest margin | 2.9410% | 4,106 |
| Noninterest income to average assets | 0.3872% | 3,147 |
| Noninterest expense to average assets | 2.4470% | 2,999 |
| Loan and lease loss provision to assets | 0.1879% | 2,104 |
| Net operating income to assets | 0.3585% | 4,342 |
| Return on assets (ROA) | 0.4980% | 4,125 |
| Pretax return on assets | 0.6716% | 3,964 |
| Return on Equity (ROE) | 5.1608% | 3,848 |
| Retained earnings to average equity (ytd only) | 5.1608% | 2,495 |
| Net charge-offs to loans | 0.6404% | 222 |
| Credit loss provision to net charge-offs | 104.8951% | 2,587 |
| Earnings coverage of net charge-offs (x) | 3.8112% | 2,880 |
| Efficiency ratio | 78.1825% | 1,017 |
| Assets per employee ($millions) | 8.0667% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 674 |
| Loan loss allowance to noncurrent loans | 107.2015% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9262% | 1,233 |
| Noncurrent loans to loans | 1.7128% | 797 |
| Net loans and leases to total assets | 27.8357% | 4,854 |
| Net loans and leases to deposits | 31.0857% | 4,889 |
| Net loans and leases to core deposits | 31.0857% | 4,896 |
| Total domestic deposits to total assets | 89.5452% | 573 |
| Equity capital to assets | 9.8221% | 3,405 |
| Core capital (leverage) ratio | 8.2752% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,827,750 | 2,829 |
| Average earning assets | $198,478,250 | 2,820 |
| Average equity | $20,538,750 | 3,132 |
| Average total loans | $59,543,000 | 3,945 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2511% | 4,684 |
| Cost of funding earning assets | 0.1504% | 4,877 |
| Net interest margin | 3.1007% | 3,902 |
| Noninterest income to average assets | 0.5132% | 2,516 |
| Noninterest expense to average assets | 2.4664% | 3,055 |
| Loan and lease loss provision to assets | 0.2878% | 1,492 |
| Net operating income to assets | 0.4703% | 4,085 |
| Return on assets (ROA) | 0.5219% | 4,039 |
| Pretax return on assets | 0.7118% | 3,845 |
| Return on Equity (ROE) | 5.4427% | 3,702 |
| Retained earnings to average equity (ytd only) | 5.4427% | 2,297 |
| Net charge-offs to loans | 1.0165% | 140 |
| Credit loss provision to net charge-offs | 101.6949% | 2,383 |
| Earnings coverage of net charge-offs (x) | 3.3017% | 2,688 |
| Efficiency ratio | 72.5247% | 1,620 |
| Assets per employee ($millions) | 6.3451% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 545 |
| Loan loss allowance to noncurrent loans | 122.3270% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 1,254 |
| Noncurrent loans to loans | 1.5422% | 976 |
| Net loans and leases to total assets | 27.3290% | 4,898 |
| Net loans and leases to deposits | 30.5935% | 4,923 |
| Net loans and leases to core deposits | 30.5935% | 4,929 |
| Total domestic deposits to total assets | 89.3295% | 635 |
| Equity capital to assets | 9.9640% | 3,241 |
| Core capital (leverage) ratio | 8.6130% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,481,000 | 2,836 |
| Average earning assets | $194,151,667 | 2,839 |
| Average equity | $19,990,000 | 3,174 |
| Average total loans | $58,041,333 | 3,978 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9935% | 4,959 |
| Cost of funding earning assets | 0.1646% | 4,950 |
| Net interest margin | 2.8289% | 4,538 |
| Noninterest income to average assets | 0.5672% | 2,193 |
| Noninterest expense to average assets | 2.6358% | 2,869 |
| Loan and lease loss provision to assets | 0.2975% | 1,042 |
| Net operating income to assets | 0.1632% | 4,582 |
| Return on assets (ROA) | 0.2697% | 4,436 |
| Pretax return on assets | 0.3927% | 4,303 |
| Return on Equity (ROE) | 2.8751% | 4,248 |
| Retained earnings to average equity (ytd only) | 2.8751% | 3,132 |
| Net charge-offs to loans | 2.0238% | 71 |
| Credit loss provision to net charge-offs | 52.8169% | 2,043 |
| Earnings coverage of net charge-offs (x) | 0.9859% | 2,426 |
| Efficiency ratio | 82.5979% | 931 |
| Assets per employee ($millions) | 5.8133% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 635 |
| Loan loss allowance to noncurrent loans | 91.1269% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 1,055 |
| Noncurrent loans to loans | 2.0615% | 671 |
| Net loans and leases to total assets | 26.3637% | 4,954 |
| Net loans and leases to deposits | 29.2201% | 4,983 |
| Net loans and leases to core deposits | 29.2201% | 4,993 |
| Total domestic deposits to total assets | 90.2249% | 261 |
| Equity capital to assets | 9.4262% | 4,291 |
| Core capital (leverage) ratio | 8.9635% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4682% | 1,486 |
| Memoranda: | ||
| Average total assets | $201,682,000 | 2,854 |
| Average earning assets | $187,070,000 | 2,855 |
| Average equity | $18,921,000 | 3,283 |
| Average total loans | $56,132,500 | 4,027 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0417% | 5,045 |
| Cost of funding earning assets | 0.1561% | 5,038 |
| Net interest margin | 2.8856% | 4,670 |
| Noninterest income to average assets | 0.4925% | 2,786 |
| Noninterest expense to average assets | 2.5112% | 3,417 |
| Loan and lease loss provision to assets | -0.0175% | 4,951 |
| Net operating income to assets | 0.5628% | 4,262 |
| Return on assets (ROA) | 0.5628% | 4,312 |
| Pretax return on assets | 0.7200% | 4,161 |
| Return on Equity (ROE) | 6.2381% | 3,836 |
| Retained earnings to average equity (ytd only) | 0.7632% | 4,468 |
| Net charge-offs to loans | 0.1419% | 1,378 |
| Credit loss provision to net charge-offs | -38.4615% | 4,150 |
| Earnings coverage of net charge-offs (x) | 15.4725% | 2,230 |
| Efficiency ratio | 78.1400% | 1,136 |
| Assets per employee ($millions) | 5.7248% | 1,861 |
| Cash dividends to net income (ytd only)* | 87.7660% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0175% | 445 |
| Loan loss allowance to noncurrent loans | 102.9229% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.5362% | 654 |
| Noncurrent loans to loans | 1.9602% | 660 |
| Net loans and leases to total assets | 28.1655% | 4,991 |
| Net loans and leases to deposits | 31.2528% | 5,025 |
| Net loans and leases to core deposits | 31.2528% | 5,038 |
| Total domestic deposits to total assets | 90.1217% | 289 |
| Equity capital to assets | 9.5609% | 4,303 |
| Core capital (leverage) ratio | 8.9338% | 4,574 |
| Tier 1 risk-based capital ratio | 16.5943% | 2,187 |
| Total risk-based capital ratio | 17.6444% | 2,200 |
| Memoranda: | ||
| Average total assets | $200,424,600 | 2,839 |
| Average earning assets | $189,006,000 | 2,809 |
| Average equity | $18,082,400 | 3,329 |
| Average total loans | $64,134,400 | 3,906 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0281% | 5,145 |
| Cost of funding earning assets | 0.1516% | 5,119 |
| Net interest margin | 2.8765% | 4,784 |
| Noninterest income to average assets | 0.5834% | 2,292 |
| Noninterest expense to average assets | 2.4499% | 3,569 |
| Loan and lease loss provision to assets | 0.1596% | 1,178 |
| Net operating income to assets | 0.5694% | 4,372 |
| Return on assets (ROA) | 0.5694% | 4,417 |
| Pretax return on assets | 0.6878% | 4,372 |
| Return on Equity (ROE) | 6.4068% | 3,917 |
| Retained earnings to average equity (ytd only) | 1.5269% | 4,423 |
| Net charge-offs to loans | 0.5190% | 327 |
| Credit loss provision to net charge-offs | 93.7500% | 2,357 |
| Earnings coverage of net charge-offs (x) | 4.9766% | 2,965 |
| Efficiency ratio | 74.2990% | 1,517 |
| Assets per employee ($millions) | 5.7942% | 1,774 |
| Cash dividends to net income (ytd only)* | 76.1684% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9567% | 501 |
| Loan loss allowance to noncurrent loans | 94.9254% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.7604% | 564 |
| Noncurrent loans to loans | 2.0613% | 646 |
| Net loans and leases to total assets | 31.4280% | 5,029 |
| Net loans and leases to deposits | 34.8889% | 5,078 |
| Net loans and leases to core deposits | 34.9392% | 5,092 |
| Total domestic deposits to total assets | 90.0802% | 267 |
| Equity capital to assets | 9.4918% | 4,463 |
| Core capital (leverage) ratio | 9.3330% | 4,344 |
| Tier 1 risk-based capital ratio | 15.9385% | 2,459 |
| Total risk-based capital ratio | 17.0376% | 2,459 |
| Memoranda: | ||
| Average total assets | $200,438,500 | 2,856 |
| Average earning assets | $189,114,500 | 2,825 |
| Average equity | $17,813,750 | 3,381 |
| Average total loans | $65,768,750 | 3,911 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0382% | 5,202 |
| Cost of funding earning assets | 0.1505% | 5,162 |
| Net interest margin | 2.8876% | 4,835 |
| Noninterest income to average assets | 0.5349% | 2,474 |
| Noninterest expense to average assets | 2.3621% | 3,843 |
| Loan and lease loss provision to assets | 0.2404% | 648 |
| Net operating income to assets | 0.5449% | 4,436 |
| Return on assets (ROA) | 0.5449% | 4,468 |
| Pretax return on assets | 0.6611% | 4,421 |
| Return on Equity (ROE) | 6.2762% | 3,960 |
| Retained earnings to average equity (ytd only) | 1.3498% | 4,337 |
| Net charge-offs to loans | 0.2393% | 702 |
| Credit loss provision to net charge-offs | 303.7975% | 891 |
| Earnings coverage of net charge-offs (x) | 11.3924% | 2,205 |
| Efficiency ratio | 72.3757% | 1,865 |
| Assets per employee ($millions) | 5.4984% | 1,969 |
| Cash dividends to net income (ytd only)* | 78.4926% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2172% | 325 |
| Loan loss allowance to noncurrent loans | 94.2746% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.8738% | 522 |
| Noncurrent loans to loans | 2.3518% | 541 |
| Net loans and leases to total assets | 32.2844% | 5,066 |
| Net loans and leases to deposits | 35.9996% | 5,109 |
| Net loans and leases to core deposits | 36.0528% | 5,124 |
| Total domestic deposits to total assets | 89.6798% | 421 |
| Equity capital to assets | 9.5306% | 4,376 |
| Core capital (leverage) ratio | 9.2219% | 4,433 |
| Tier 1 risk-based capital ratio | 15.5379% | 2,613 |
| Total risk-based capital ratio | 16.7627% | 2,552 |
| Memoranda: | ||
| Average total assets | $199,652,330 | 2,875 |
| Average earning assets | $188,667,330 | 2,837 |
| Average equity | $17,335,330 | 3,428 |
| Average total loans | $66,022,670 | 3,924 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0018% | 5,268 |
| Cost of funding earning assets | 0.1474% | 5,214 |
| Net interest margin | 2.8544% | 4,933 |
| Noninterest income to average assets | 0.5167% | 2,456 |
| Noninterest expense to average assets | 2.4179% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6503% | 4,090 |
| Return on assets (ROA) | 0.6503% | 4,123 |
| Pretax return on assets | 0.8040% | 4,030 |
| Return on Equity (ROE) | 7.8694% | 3,319 |
| Retained earnings to average equity (ytd only) | 2.9933% | 3,736 |
| Net charge-offs to loans | 0.4039% | 385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.0149% | 2,223 |
| Efficiency ratio | 75.0464% | 1,605 |
| Assets per employee ($millions) | 5.7456% | 1,751 |
| Cash dividends to net income (ytd only)* | 61.9632% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8412% | 651 |
| Loan loss allowance to noncurrent loans | 36.0602% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.7544% | 608 |
| Noncurrent loans to loans | 5.1059% | 107 |
| Net loans and leases to total assets | 32.3703% | 5,105 |
| Net loans and leases to deposits | 35.5734% | 5,153 |
| Net loans and leases to core deposits | 35.6244% | 5,174 |
| Total domestic deposits to total assets | 90.9958% | 174 |
| Equity capital to assets | 8.7063% | 4,876 |
| Core capital (leverage) ratio | 9.2283% | 4,434 |
| Tier 1 risk-based capital ratio | 15.3398% | 2,731 |
| Total risk-based capital ratio | 16.3601% | 2,747 |
| Memoranda: | ||
| Average total assets | $200,508,000 | 2,899 |
| Average earning assets | $190,019,500 | 2,851 |
| Average equity | $16,570,500 | 3,521 |
| Average total loans | $66,357,500 | 3,958 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8728% | 5,274 |
| Cost of funding earning assets | 0.0975% | 5,292 |
| Net interest margin | 2.7752% | 5,043 |
| Noninterest income to average assets | 0.6031% | 2,278 |
| Noninterest expense to average assets | 2.3328% | 4,039 |
| Loan and lease loss provision to assets | 0.3107% | 517 |
| Net operating income to assets | 0.4772% | 4,712 |
| Return on assets (ROA) | 0.4768% | 4,715 |
| Pretax return on assets | 0.5902% | 4,649 |
| Return on Equity (ROE) | 6.2157% | 4,102 |
| Retained earnings to average equity (ytd only) | 4.1741% | 3,254 |
| Net charge-offs to loans | 0.4264% | 431 |
| Credit loss provision to net charge-offs | 212.5850% | 1,362 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 3,116 |
| Efficiency ratio | 72.1291% | 1,875 |
| Assets per employee ($millions) | 5.7120% | 1,762 |
| Cash dividends to net income (ytd only)* | 32.8467% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 535 |
| Loan loss allowance to noncurrent loans | 27.4861% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.3439% | 346 |
| Noncurrent loans to loans | 7.0573% | 51 |
| Net loans and leases to total assets | 32.5684% | 5,155 |
| Net loans and leases to deposits | 35.4369% | 5,209 |
| Net loans and leases to core deposits | 35.4873% | 5,225 |
| Total domestic deposits to total assets | 91.9053% | 79 |
| Equity capital to assets | 7.8196% | 5,215 |
| Core capital (leverage) ratio | 9.1698% | 4,486 |
| Tier 1 risk-based capital ratio | 15.2310% | 2,727 |
| Total risk-based capital ratio | 16.3062% | 2,737 |
| Memoranda: | ||
| Average total assets | $201,135,200 | 2,854 |
| Average earning assets | $190,685,800 | 2,824 |
| Average equity | $15,428,600 | 3,583 |
| Average total loans | $68,944,600 | 3,891 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8373% | 5,343 |
| Cost of funding earning assets | 0.0893% | 5,377 |
| Net interest margin | 2.7480% | 5,130 |
| Noninterest income to average assets | 0.6129% | 2,246 |
| Noninterest expense to average assets | 2.3921% | 3,870 |
| Loan and lease loss provision to assets | 0.2482% | 637 |
| Net operating income to assets | 0.4672% | 4,824 |
| Return on assets (ROA) | 0.4666% | 4,834 |
| Pretax return on assets | 0.5785% | 4,764 |
| Return on Equity (ROE) | 6.1127% | 4,235 |
| Retained earnings to average equity (ytd only) | 4.5520% | 3,476 |
| Net charge-offs to loans | 0.5308% | 284 |
| Credit loss provision to net charge-offs | 135.3791% | 1,841 |
| Earnings coverage of net charge-offs (x) | 4.5127% | 3,051 |
| Efficiency ratio | 74.3010% | 1,548 |
| Assets per employee ($millions) | 5.5157% | 1,903 |
| Cash dividends to net income (ytd only)* | 25.5314% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 1,197 |
| Loan loss allowance to noncurrent loans | 32.4516% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.6373% | 760 |
| Noncurrent loans to loans | 4.7698% | 136 |
| Net loans and leases to total assets | 33.7941% | 5,205 |
| Net loans and leases to deposits | 36.6711% | 5,263 |
| Net loans and leases to core deposits | 36.7291% | 5,287 |
| Total domestic deposits to total assets | 92.1547% | 71 |
| Equity capital to assets | 7.5558% | 5,296 |
| Core capital (leverage) ratio | 8.9868% | 4,719 |
| Tier 1 risk-based capital ratio | 15.1182% | 2,832 |
| Total risk-based capital ratio | 16.0000% | 2,915 |
| Memoranda: | ||
| Average total assets | $201,438,750 | 2,872 |
| Average earning assets | $191,070,250 | 2,831 |
| Average equity | $15,377,500 | 3,611 |
| Average total loans | $69,581,000 | 3,913 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7772% | 5,413 |
| Cost of funding earning assets | 0.0844% | 5,433 |
| Net interest margin | 2.6929% | 5,224 |
| Noninterest income to average assets | 0.6492% | 2,094 |
| Noninterest expense to average assets | 2.3587% | 3,999 |
| Loan and lease loss provision to assets | 0.3706% | 341 |
| Net operating income to assets | 0.3822% | 4,989 |
| Return on assets (ROA) | 0.3814% | 4,994 |
| Pretax return on assets | 0.4733% | 4,949 |
| Return on Equity (ROE) | 4.9799% | 4,552 |
| Retained earnings to average equity (ytd only) | 2.6577% | 4,191 |
| Net charge-offs to loans | 0.7394% | 194 |
| Credit loss provision to net charge-offs | 144.7876% | 1,609 |
| Earnings coverage of net charge-offs (x) | 3.3012% | 2,887 |
| Efficiency ratio | 73.6274% | 1,769 |
| Assets per employee ($millions) | 5.5653% | 1,830 |
| Cash dividends to net income (ytd only)* | 46.6321% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 1,208 |
| Loan loss allowance to noncurrent loans | 24.2760% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 2.2061% | 444 |
| Noncurrent loans to loans | 6.4347% | 78 |
| Net loans and leases to total assets | 33.7494% | 5,246 |
| Net loans and leases to deposits | 36.5677% | 5,314 |
| Net loans and leases to core deposits | 36.6248% | 5,339 |
| Total domestic deposits to total assets | 92.2930% | 64 |
| Equity capital to assets | 7.4889% | 5,377 |
| Core capital (leverage) ratio | 8.7566% | 4,925 |
| Tier 1 risk-based capital ratio | 14.6211% | 3,059 |
| Total risk-based capital ratio | 15.5036% | 3,152 |
| Memoranda: | ||
| Average total assets | $202,397,000 | 2,877 |
| Average earning assets | $191,989,670 | 2,833 |
| Average equity | $15,502,330 | 3,610 |
| Average total loans | $70,055,330 | 3,936 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7070% | 5,479 |
| Cost of funding earning assets | 0.0786% | 5,501 |
| Net interest margin | 2.6283% | 5,305 |
| Noninterest income to average assets | 0.6981% | 1,842 |
| Noninterest expense to average assets | 2.3537% | 4,056 |
| Loan and lease loss provision to assets | 0.5113% | 201 |
| Net operating income to assets | 0.2655% | 5,149 |
| Return on assets (ROA) | 0.2655% | 5,149 |
| Pretax return on assets | 0.3304% | 5,124 |
| Return on Equity (ROE) | 3.4282% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.4282% | 3,836 |
| Net charge-offs to loans | 1.4363% | 99 |
| Credit loss provision to net charge-offs | 102.3622% | 1,518 |
| Earnings coverage of net charge-offs (x) | 1.6850% | 2,532 |
| Efficiency ratio | 73.6615% | 1,938 |
| Assets per employee ($millions) | 5.8754% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 1,948 |
| Loan loss allowance to noncurrent loans | 30.7668% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.5221% | 906 |
| Noncurrent loans to loans | 4.4583% | 195 |
| Net loans and leases to total assets | 33.6720% | 5,279 |
| Net loans and leases to deposits | 36.4423% | 5,351 |
| Net loans and leases to core deposits | 36.4977% | 5,387 |
| Total domestic deposits to total assets | 92.3979% | 71 |
| Equity capital to assets | 7.4431% | 5,433 |
| Core capital (leverage) ratio | 8.8229% | 4,873 |
| Tier 1 risk-based capital ratio | 14.3667% | 3,185 |
| Total risk-based capital ratio | 15.1491% | 3,349 |
| Memoranda: | ||
| Average total assets | $203,420,500 | 2,904 |
| Average earning assets | $193,279,000 | 2,850 |
| Average equity | $15,751,500 | 3,617 |
| Average total loans | $70,738,000 | 3,956 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6407% | 5,517 |
| Cost of funding earning assets | 0.0845% | 5,540 |
| Net interest margin | 2.5562% | 5,377 |
| Noninterest income to average assets | 0.6341% | 2,278 |
| Noninterest expense to average assets | 2.1105% | 4,738 |
| Loan and lease loss provision to assets | 0.3221% | 522 |
| Net operating income to assets | 0.2598% | 5,003 |
| Return on assets (ROA) | 0.2601% | 5,021 |
| Pretax return on assets | 0.6317% | 4,673 |
| Return on Equity (ROE) | 3.2111% | 4,774 |
| Retained earnings to average equity (ytd only) | -0.6588% | 5,140 |
| Net charge-offs to loans | 0.7413% | 278 |
| Credit loss provision to net charge-offs | 127.6190% | 2,063 |
| Earnings coverage of net charge-offs (x) | 3.7771% | 3,559 |
| Efficiency ratio | 68.8844% | 2,723 |
| Assets per employee ($millions) | 5.1590% | 2,308 |
| Cash dividends to net income (ytd only)* | 120.5176% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 2,010 |
| Loan loss allowance to noncurrent loans | 28.3304% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 1.6789% | 771 |
| Noncurrent loans to loans | 4.7397% | 156 |
| Net loans and leases to total assets | 34.9466% | 5,315 |
| Net loans and leases to deposits | 38.0981% | 5,389 |
| Net loans and leases to core deposits | 38.2115% | 5,417 |
| Total domestic deposits to total assets | 91.7282% | 106 |
| Equity capital to assets | 8.0502% | 5,375 |
| Core capital (leverage) ratio | 8.3715% | 5,241 |
| Tier 1 risk-based capital ratio | 14.1103% | 3,303 |
| Total risk-based capital ratio | 14.8913% | 3,463 |
| Memoranda: | ||
| Average total assets | $208,007,000 | 2,843 |
| Average earning assets | $197,715,400 | 2,793 |
| Average equity | $16,848,000 | 3,497 |
| Average total loans | $70,825,400 | 3,943 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6324% | 5,585 |
| Cost of funding earning assets | 0.0856% | 5,605 |
| Net interest margin | 2.5468% | 5,442 |
| Noninterest income to average assets | 0.5748% | 2,609 |
| Noninterest expense to average assets | 2.0898% | 4,758 |
| Loan and lease loss provision to assets | 0.1081% | 1,970 |
| Net operating income to assets | 0.5423% | 4,605 |
| Return on assets (ROA) | 0.5423% | 4,638 |
| Pretax return on assets | 0.7966% | 4,354 |
| Return on Equity (ROE) | 6.6858% | 3,822 |
| Retained earnings to average equity (ytd only) | 2.2809% | 4,501 |
| Net charge-offs to loans | 0.1339% | 1,456 |
| Credit loss provision to net charge-offs | 239.4366% | 1,173 |
| Earnings coverage of net charge-offs (x) | 20.0432% | 1,974 |
| Efficiency ratio | 69.7877% | 2,570 |
| Assets per employee ($millions) | 5.5238% | 1,902 |
| Cash dividends to net income (ytd only)* | 65.8850% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,500 |
| Loan loss allowance to noncurrent loans | 25.3126% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.8402% | 739 |
| Noncurrent loans to loans | 5.0295% | 161 |
| Net loans and leases to total assets | 34.5665% | 5,401 |
| Net loans and leases to deposits | 37.9064% | 5,461 |
| Net loans and leases to core deposits | 38.0180% | 5,492 |
| Total domestic deposits to total assets | 91.1890% | 143 |
| Equity capital to assets | 8.5684% | 5,241 |
| Core capital (leverage) ratio | 8.2498% | 5,396 |
| Tier 1 risk-based capital ratio | 14.9939% | 2,921 |
| Total risk-based capital ratio | 15.7667% | 3,085 |
| Memoranda: | ||
| Average total assets | $209,708,500 | 2,848 |
| Average earning assets | $199,255,250 | 2,800 |
| Average equity | $17,010,750 | 3,521 |
| Average total loans | $70,714,250 | 3,974 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5937% | 5,635 |
| Cost of funding earning assets | 0.0876% | 5,638 |
| Net interest margin | 2.5062% | 5,505 |
| Noninterest income to average assets | 0.5334% | 2,808 |
| Noninterest expense to average assets | 2.0720% | 4,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5740% | 4,414 |
| Return on assets (ROA) | 0.5740% | 4,470 |
| Pretax return on assets | 0.8436% | 4,116 |
| Return on Equity (ROE) | 7.2075% | 3,447 |
| Retained earnings to average equity (ytd only) | 2.9329% | 3,970 |
| Net charge-offs to loans | 0.0454% | 2,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 55.7500% | 994 |
| Efficiency ratio | 71.0671% | 2,501 |
| Assets per employee ($millions) | 5.6654% | 1,734 |
| Cash dividends to net income (ytd only)* | 59.3081% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 3,325 |
| Loan loss allowance to noncurrent loans | 112.4294% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 3,577 |
| Noncurrent loans to loans | 1.0215% | 1,926 |
| Net loans and leases to total assets | 32.6842% | 5,481 |
| Net loans and leases to deposits | 35.7692% | 5,544 |
| Net loans and leases to core deposits | 35.8714% | 5,567 |
| Total domestic deposits to total assets | 91.3754% | 146 |
| Equity capital to assets | 8.3141% | 5,404 |
| Core capital (leverage) ratio | 8.3373% | 5,328 |
| Tier 1 risk-based capital ratio | 14.9251% | 2,960 |
| Total risk-based capital ratio | 15.6003% | 3,165 |
| Memoranda: | ||
| Average total assets | $211,484,670 | 2,844 |
| Average earning assets | $201,024,000 | 2,798 |
| Average equity | $16,843,670 | 3,553 |
| Average total loans | $70,433,000 | 4,001 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5464% | 5,706 |
| Cost of funding earning assets | 0.0871% | 5,697 |
| Net interest margin | 2.4593% | 5,578 |
| Noninterest income to average assets | 0.5404% | 2,706 |
| Noninterest expense to average assets | 2.1279% | 4,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5141% | 4,541 |
| Return on assets (ROA) | 0.5141% | 4,570 |
| Pretax return on assets | 0.7514% | 4,282 |
| Return on Equity (ROE) | 6.5976% | 3,606 |
| Retained earnings to average equity (ytd only) | 2.2475% | 4,241 |
| Net charge-offs to loans | 0.1014% | 1,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.1667% | 1,426 |
| Efficiency ratio | 73.9045% | 2,247 |
| Assets per employee ($millions) | 5.9138% | 1,573 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 3,531 |
| Loan loss allowance to noncurrent loans | 102.8497% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 3,561 |
| Noncurrent loans to loans | 1.0966% | 1,868 |
| Net loans and leases to total assets | 32.6950% | 5,516 |
| Net loans and leases to deposits | 35.5962% | 5,592 |
| Net loans and leases to core deposits | 35.6959% | 5,625 |
| Total domestic deposits to total assets | 91.8496% | 122 |
| Equity capital to assets | 7.8817% | 5,575 |
| Core capital (leverage) ratio | 8.2656% | 5,403 |
| Tier 1 risk-based capital ratio | 13.9276% | 3,524 |
| Total risk-based capital ratio | 14.5616% | 3,797 |
| Memoranda: | ||
| Average total assets | $212,416,500 | 2,861 |
| Average earning assets | $202,008,500 | 2,813 |
| Average equity | $16,551,500 | 3,595 |
| Average total loans | $70,995,000 | 4,029 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5551% | 5,741 |
| Cost of funding earning assets | 0.0980% | 5,714 |
| Net interest margin | 2.4571% | 5,610 |
| Noninterest income to average assets | 0.6678% | 2,327 |
| Noninterest expense to average assets | 2.2474% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5161% | 4,567 |
| Return on assets (ROA) | 0.5195% | 4,638 |
| Pretax return on assets | 0.7610% | 4,297 |
| Return on Equity (ROE) | 5.9613% | 3,998 |
| Retained earnings to average equity (ytd only) | 1.6346% | 4,601 |
| Net charge-offs to loans | -0.0070% | 4,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8277% | 2,160 |
| Assets per employee ($millions) | 4.9287% | 2,469 |
| Cash dividends to net income (ytd only)* | 72.5806% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,522 |
| Loan loss allowance to noncurrent loans | 109.8782% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 3,885 |
| Noncurrent loans to loans | 1.0323% | 2,014 |
| Net loans and leases to total assets | 33.3956% | 5,564 |
| Net loans and leases to deposits | 36.3319% | 5,633 |
| Net loans and leases to core deposits | 36.4338% | 5,669 |
| Total domestic deposits to total assets | 91.9183% | 110 |
| Equity capital to assets | 7.7019% | 5,664 |
| Core capital (leverage) ratio | 8.4629% | 5,298 |
| Tier 1 risk-based capital ratio | 13.9302% | 3,503 |
| Total risk-based capital ratio | 14.5818% | 3,786 |
| Memoranda: | ||
| Average total assets | $202,897,800 | 2,925 |
| Average earning assets | $192,871,200 | 2,867 |
| Average equity | $17,680,600 | 3,462 |
| Average total loans | $71,192,200 | 4,021 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5263% | 5,817 |
| Cost of funding earning assets | 0.1021% | 5,761 |
| Net interest margin | 2.4242% | 5,702 |
| Noninterest income to average assets | 0.6459% | 2,447 |
| Noninterest expense to average assets | 2.3112% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4413% | 4,899 |
| Return on assets (ROA) | 0.4459% | 4,971 |
| Pretax return on assets | 0.6453% | 4,753 |
| Return on Equity (ROE) | 4.9647% | 4,530 |
| Retained earnings to average equity (ytd only) | 1.6352% | 4,856 |
| Net charge-offs to loans | 0.0319% | 3,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 56.5196% | 1,000 |
| Efficiency ratio | 78.3510% | 1,637 |
| Assets per employee ($millions) | 5.3534% | 2,001 |
| Cash dividends to net income (ytd only)* | 67.0650% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,701 |
| Loan loss allowance to noncurrent loans | 88.0713% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 3,607 |
| Noncurrent loans to loans | 1.2771% | 1,747 |
| Net loans and leases to total assets | 35.0616% | 5,588 |
| Net loans and leases to deposits | 38.8846% | 5,660 |
| Net loans and leases to core deposits | 39.0082% | 5,705 |
| Total domestic deposits to total assets | 90.1685% | 417 |
| Equity capital to assets | 9.3277% | 4,841 |
| Core capital (leverage) ratio | 8.6019% | 5,257 |
| Tier 1 risk-based capital ratio | 14.0837% | 3,515 |
| Total risk-based capital ratio | 14.7274% | 3,784 |
| Memoranda: | ||
| Average total assets | $200,638,500 | 2,958 |
| Average earning assets | $190,682,000 | 2,900 |
| Average equity | $18,020,000 | 3,429 |
| Average total loans | $71,093,000 | 4,043 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4894% | 5,905 |
| Cost of funding earning assets | 0.1086% | 5,818 |
| Net interest margin | 2.3808% | 5,823 |
| Noninterest income to average assets | 0.6075% | 2,577 |
| Noninterest expense to average assets | 2.3524% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3609% | 5,151 |
| Return on assets (ROA) | 0.3623% | 5,241 |
| Pretax return on assets | 0.5191% | 5,097 |
| Return on Equity (ROE) | 4.0855% | 4,881 |
| Retained earnings to average equity (ytd only) | 0.5597% | 5,141 |
| Net charge-offs to loans | 0.0448% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 32.5625% | 1,333 |
| Efficiency ratio | 81.9786% | 1,274 |
| Assets per employee ($millions) | 5.5417% | 1,754 |
| Cash dividends to net income (ytd only)* | 86.3014% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,836 |
| Loan loss allowance to noncurrent loans | 137.5652% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 4,373 |
| Noncurrent loans to loans | 0.8144% | 2,707 |
| Net loans and leases to total assets | 34.0462% | 5,673 |
| Net loans and leases to deposits | 37.6288% | 5,754 |
| Net loans and leases to core deposits | 37.7450% | 5,793 |
| Total domestic deposits to total assets | 90.4790% | 323 |
| Equity capital to assets | 8.9591% | 5,269 |
| Core capital (leverage) ratio | 8.2154% | 5,593 |
| Tier 1 risk-based capital ratio | 13.4800% | 3,923 |
| Total risk-based capital ratio | 14.1030% | 4,197 |
| Memoranda: | ||
| Average total assets | $201,492,330 | 2,965 |
| Average earning assets | $191,450,000 | 2,913 |
| Average equity | $17,868,000 | 3,459 |
| Average total loans | $71,377,670 | 4,058 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4882% | 5,968 |
| Cost of funding earning assets | 0.1075% | 5,885 |
| Net interest margin | 2.3806% | 5,885 |
| Noninterest income to average assets | 0.5988% | 2,542 |
| Noninterest expense to average assets | 2.3633% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3485% | 5,153 |
| Return on assets (ROA) | 0.3485% | 5,238 |
| Pretax return on assets | 0.4967% | 5,097 |
| Return on Equity (ROE) | 3.9507% | 4,909 |
| Retained earnings to average equity (ytd only) | 0.3860% | 5,024 |
| Net charge-offs to loans | 0.0502% | 2,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 27.5556% | 1,238 |
| Efficiency ratio | 82.6331% | 1,305 |
| Assets per employee ($millions) | 5.5120% | 1,821 |
| Cash dividends to net income (ytd only)* | 90.2299% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 4,005 |
| Loan loss allowance to noncurrent loans | 114.1631% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 4,223 |
| Noncurrent loans to loans | 0.9705% | 2,438 |
| Net loans and leases to total assets | 34.0046% | 5,717 |
| Net loans and leases to deposits | 37.3385% | 5,800 |
| Net loans and leases to core deposits | 37.4506% | 5,832 |
| Total domestic deposits to total assets | 91.0712% | 253 |
| Equity capital to assets | 8.5435% | 5,535 |
| Core capital (leverage) ratio | 8.6648% | 5,217 |
| Tier 1 risk-based capital ratio | 13.3447% | 4,072 |
| Total risk-based capital ratio | 13.9680% | 4,358 |
| Memoranda: | ||
| Average total assets | $199,717,500 | 2,990 |
| Average earning assets | $189,696,500 | 2,934 |
| Average equity | $17,617,000 | 3,489 |
| Average total loans | $71,766,500 | 4,069 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7178% | 5,925 |
| Cost of funding earning assets | 0.1332% | 5,794 |
| Net interest margin | 2.5846% | 5,769 |
| Noninterest income to average assets | 0.7012% | 2,194 |
| Noninterest expense to average assets | 2.5336% | 4,121 |
| Loan and lease loss provision to assets | 0.0214% | 3,957 |
| Net operating income to assets | 0.4057% | 5,039 |
| Return on assets (ROA) | 0.4203% | 5,067 |
| Pretax return on assets | 0.6004% | 4,838 |
| Return on Equity (ROE) | 4.4761% | 4,751 |
| Retained earnings to average equity (ytd only) | 1.5187% | 4,857 |
| Net charge-offs to loans | 0.0475% | 3,259 |
| Credit loss provision to net charge-offs | 125.0000% | 2,074 |
| Earnings coverage of net charge-offs (x) | 35.0313% | 1,298 |
| Efficiency ratio | 80.8278% | 1,560 |
| Assets per employee ($millions) | 4.9994% | 2,362 |
| Cash dividends to net income (ytd only)* | 66.0714% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 3,874 |
| Loan loss allowance to noncurrent loans | 140.8377% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 4,397 |
| Noncurrent loans to loans | 0.8013% | 2,787 |
| Net loans and leases to total assets | 37.2164% | 5,658 |
| Net loans and leases to deposits | 41.0451% | 5,739 |
| Net loans and leases to core deposits | 41.3139% | 5,786 |
| Total domestic deposits to total assets | 90.6721% | 388 |
| Equity capital to assets | 9.1268% | 4,992 |
| Core capital (leverage) ratio | 9.1423% | 4,698 |
| Tier 1 risk-based capital ratio | 13.6254% | 3,933 |
| Total risk-based capital ratio | 14.2698% | 4,209 |
| Memoranda: | ||
| Average total assets | $186,535,200 | 3,101 |
| Average earning assets | $175,620,000 | 3,045 |
| Average equity | $17,515,200 | 3,455 |
| Average total loans | $67,416,800 | 4,165 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7144% | 6,012 |
| Cost of funding earning assets | 0.1398% | 5,852 |
| Net interest margin | 2.5746% | 5,860 |
| Noninterest income to average assets | 0.6772% | 2,341 |
| Noninterest expense to average assets | 2.5657% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3698% | 5,262 |
| Return on assets (ROA) | 0.3698% | 5,340 |
| Pretax return on assets | 0.5321% | 5,143 |
| Return on Equity (ROE) | 3.9105% | 5,057 |
| Retained earnings to average equity (ytd only) | 1.0099% | 5,313 |
| Net charge-offs to loans | 0.0562% | 2,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.4661% | 1,612 |
| Efficiency ratio | 82.8234% | 1,290 |
| Assets per employee ($millions) | 4.5263% | 2,961 |
| Cash dividends to net income (ytd only)* | 74.1746% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,977 |
| Loan loss allowance to noncurrent loans | 135.7394% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 4,544 |
| Noncurrent loans to loans | 0.8424% | 2,865 |
| Net loans and leases to total assets | 35.9179% | 5,786 |
| Net loans and leases to deposits | 39.8377% | 5,871 |
| Net loans and leases to core deposits | 39.9736% | 5,919 |
| Total domestic deposits to total assets | 90.1605% | 511 |
| Equity capital to assets | 9.5463% | 4,698 |
| Core capital (leverage) ratio | 9.0356% | 4,954 |
| Tier 1 risk-based capital ratio | 13.7776% | 3,977 |
| Total risk-based capital ratio | 14.4052% | 4,263 |
| Memoranda: | ||
| Average total assets | $185,674,500 | 3,131 |
| Average earning assets | $174,569,500 | 3,080 |
| Average equity | $17,559,250 | 3,472 |
| Average total loans | $66,393,500 | 4,228 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7293% | 6,058 |
| Cost of funding earning assets | 0.1421% | 5,905 |
| Net interest margin | 2.5872% | 5,895 |
| Noninterest income to average assets | 0.6559% | 2,447 |
| Noninterest expense to average assets | 2.5783% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3554% | 5,274 |
| Return on assets (ROA) | 0.3554% | 5,387 |
| Pretax return on assets | 0.5083% | 5,201 |
| Return on Equity (ROE) | 3.7699% | 5,110 |
| Retained earnings to average equity (ytd only) | -0.5940% | 5,627 |
| Net charge-offs to loans | 0.0061% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 295 |
| Efficiency ratio | 83.5311% | 1,310 |
| Assets per employee ($millions) | 4.5251% | 2,943 |
| Cash dividends to net income (ytd only)* | 115.7576% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 3,871 |
| Loan loss allowance to noncurrent loans | 182.3799% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 4,936 |
| Noncurrent loans to loans | 0.6505% | 3,526 |
| Net loans and leases to total assets | 35.7825% | 5,830 |
| Net loans and leases to deposits | 39.5743% | 5,916 |
| Net loans and leases to core deposits | 39.7820% | 5,960 |
| Total domestic deposits to total assets | 90.4187% | 488 |
| Equity capital to assets | 9.3727% | 4,819 |
| Core capital (leverage) ratio | 9.0615% | 4,878 |
| Tier 1 risk-based capital ratio | 13.8630% | 3,999 |
| Total risk-based capital ratio | 14.5226% | 4,297 |
| Memoranda: | ||
| Average total assets | $185,706,330 | 3,153 |
| Average earning assets | $174,475,000 | 3,100 |
| Average equity | $17,507,000 | 3,498 |
| Average total loans | $66,049,000 | 4,272 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6697% | 6,141 |
| Cost of funding earning assets | 0.1469% | 5,955 |
| Net interest margin | 2.5228% | 5,994 |
| Noninterest income to average assets | 0.7191% | 2,076 |
| Noninterest expense to average assets | 2.6330% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3241% | 5,324 |
| Return on assets (ROA) | 0.3380% | 5,400 |
| Pretax return on assets | 0.4715% | 5,254 |
| Return on Equity (ROE) | 3.5751% | 5,150 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3454% | 1,236 |
| Assets per employee ($millions) | 4.4411% | 3,151 |
| Cash dividends to net income (ytd only)* | 100.0000% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 3,896 |
| Loan loss allowance to noncurrent loans | 151.3258% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 4,826 |
| Noncurrent loans to loans | 0.8017% | 3,238 |
| Net loans and leases to total assets | 34.8782% | 5,883 |
| Net loans and leases to deposits | 38.7076% | 5,964 |
| Net loans and leases to core deposits | 38.9941% | 6,005 |
| Total domestic deposits to total assets | 90.1070% | 696 |
| Equity capital to assets | 9.5606% | 4,681 |
| Core capital (leverage) ratio | 9.3060% | 4,563 |
| Tier 1 risk-based capital ratio | 14.0311% | 3,980 |
| Total risk-based capital ratio | 14.0311% | 4,656 |
| Memoranda: | ||
| Average total assets | $185,795,000 | 3,163 |
| Average earning assets | $174,249,000 | 3,122 |
| Average equity | $17,566,000 | 3,508 |
| Average total loans | $65,481,500 | 4,308 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7983% | 6,204 |
| Cost of funding earning assets | 0.1685% | 5,990 |
| Net interest margin | 2.6298% | 6,033 |
| Noninterest income to average assets | 0.7572% | 2,047 |
| Noninterest expense to average assets | 2.6358% | 4,103 |
| Loan and lease loss provision to assets | 0.0318% | 3,964 |
| Net operating income to assets | 0.3931% | 5,244 |
| Return on assets (ROA) | 0.3970% | 5,299 |
| Pretax return on assets | 0.5645% | 5,058 |
| Return on Equity (ROE) | 4.1691% | 5,043 |
| Retained earnings to average equity (ytd only) | 0.5463% | 5,526 |
| Net charge-offs to loans | 0.1793% | 2,234 |
| Credit loss provision to net charge-offs | 51.7857% | 3,449 |
| Earnings coverage of net charge-offs (x) | 9.6339% | 2,719 |
| Efficiency ratio | 81.6901% | 1,697 |
| Assets per employee ($millions) | 4.4063% | 3,179 |
| Cash dividends to net income (ytd only)* | 86.8966% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 3,849 |
| Loan loss allowance to noncurrent loans | 125.8268% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 4,679 |
| Noncurrent loans to loans | 0.9753% | 2,889 |
| Net loans and leases to total assets | 34.7491% | 6,005 |
| Net loans and leases to deposits | 38.3960% | 6,088 |
| Net loans and leases to core deposits | 38.7136% | 6,131 |
| Total domestic deposits to total assets | 90.5017% | 541 |
| Equity capital to assets | 9.3476% | 4,915 |
| Core capital (leverage) ratio | 9.1791% | 4,710 |
| Tier 1 risk-based capital ratio | 12.9171% | 4,782 |
| Total risk-based capital ratio | 13.5313% | 5,085 |
| Memoranda: | ||
| Average total assets | $182,636,000 | 3,180 |
| Average earning assets | $171,497,600 | 3,138 |
| Average equity | $17,390,000 | 3,471 |
| Average total loans | $62,473,600 | 4,410 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8284% | 6,264 |
| Cost of funding earning assets | 0.1754% | 6,033 |
| Net interest margin | 2.6530% | 6,070 |
| Noninterest income to average assets | 0.7764% | 1,983 |
| Noninterest expense to average assets | 2.7152% | 3,769 |
| Loan and lease loss provision to assets | 0.0425% | 3,547 |
| Net operating income to assets | 0.3635% | 5,386 |
| Return on assets (ROA) | 0.3677% | 5,445 |
| Pretax return on assets | 0.5171% | 5,276 |
| Return on Equity (ROE) | 3.8439% | 5,235 |
| Retained earnings to average equity (ytd only) | 0.2297% | 5,738 |
| Net charge-offs to loans | 0.2567% | 1,510 |
| Credit loss provision to net charge-offs | 48.7395% | 3,125 |
| Earnings coverage of net charge-offs (x) | 6.3530% | 3,096 |
| Efficiency ratio | 83.0607% | 1,485 |
| Assets per employee ($millions) | 4.4303% | 3,086 |
| Cash dividends to net income (ytd only)* | 94.0238% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 3,871 |
| Loan loss allowance to noncurrent loans | 254.6624% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 5,223 |
| Noncurrent loans to loans | 0.4952% | 4,437 |
| Net loans and leases to total assets | 34.1369% | 6,106 |
| Net loans and leases to deposits | 37.8907% | 6,188 |
| Net loans and leases to core deposits | 38.0782% | 6,232 |
| Total domestic deposits to total assets | 90.0932% | 692 |
| Equity capital to assets | 9.5936% | 4,676 |
| Core capital (leverage) ratio | 9.1401% | 4,872 |
| Tier 1 risk-based capital ratio | 13.2974% | 4,673 |
| Total risk-based capital ratio | 13.9266% | 4,963 |
| Memoranda: | ||
| Average total assets | $182,029,000 | 3,214 |
| Average earning assets | $171,025,250 | 3,169 |
| Average equity | $17,412,750 | 3,481 |
| Average total loans | $61,815,250 | 4,470 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8494% | 6,297 |
| Cost of funding earning assets | 0.1821% | 6,058 |
| Net interest margin | 2.6673% | 6,086 |
| Noninterest income to average assets | 0.7730% | 1,947 |
| Noninterest expense to average assets | 2.7833% | 3,568 |
| Loan and lease loss provision to assets | 0.0637% | 2,996 |
| Net operating income to assets | 0.3162% | 5,511 |
| Return on assets (ROA) | 0.3162% | 5,587 |
| Pretax return on assets | 0.4348% | 5,467 |
| Return on Equity (ROE) | 3.3088% | 5,424 |
| Retained earnings to average equity (ytd only) | 1.7578% | 5,018 |
| Net charge-offs to loans | 0.2992% | 1,345 |
| Credit loss provision to net charge-offs | 63.0435% | 2,594 |
| Earnings coverage of net charge-offs (x) | 4.9348% | 3,014 |
| Efficiency ratio | 84.8110% | 1,410 |
| Assets per employee ($millions) | 4.2861% | 3,300 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 3,697 |
| Loan loss allowance to noncurrent loans | 116.1702% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 4,455 |
| Noncurrent loans to loans | 1.1446% | 2,938 |
| Net loans and leases to total assets | 33.7605% | 6,162 |
| Net loans and leases to deposits | 37.6191% | 6,240 |
| Net loans and leases to core deposits | 37.8077% | 6,284 |
| Total domestic deposits to total assets | 89.7431% | 941 |
| Equity capital to assets | 9.9097% | 4,237 |
| Core capital (leverage) ratio | 9.1567% | 4,811 |
| Tier 1 risk-based capital ratio | 13.6410% | 4,495 |
| Total risk-based capital ratio | 14.3033% | 4,808 |
| Memoranda: | ||
| Average total assets | $182,158,000 | 3,232 |
| Average earning assets | $171,336,000 | 3,187 |
| Average equity | $17,408,330 | 3,479 |
| Average total loans | $61,487,330 | 4,493 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8402% | 6,367 |
| Cost of funding earning assets | 0.1996% | 6,004 |
| Net interest margin | 2.6406% | 6,184 |
| Noninterest income to average assets | 0.8121% | 1,710 |
| Noninterest expense to average assets | 2.7441% | 3,782 |
| Loan and lease loss provision to assets | 0.0655% | 2,814 |
| Net operating income to assets | 0.3449% | 5,331 |
| Return on assets (ROA) | 0.3449% | 5,393 |
| Pretax return on assets | 0.4868% | 5,206 |
| Return on Equity (ROE) | 3.6759% | 5,185 |
| Retained earnings to average equity (ytd only) | 0.5351% | 5,365 |
| Net charge-offs to loans | 0.5209% | 711 |
| Credit loss provision to net charge-offs | 37.5000% | 2,319 |
| Earnings coverage of net charge-offs (x) | 3.1625% | 2,726 |
| Efficiency ratio | 83.2450% | 1,760 |
| Assets per employee ($millions) | 4.3780% | 3,186 |
| Cash dividends to net income (ytd only)* | 85.4430% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,108 |
| Loan loss allowance to noncurrent loans | 96.1677% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 4,420 |
| Noncurrent loans to loans | 1.3548% | 2,775 |
| Net loans and leases to total assets | 33.0826% | 6,222 |
| Net loans and leases to deposits | 36.6617% | 6,294 |
| Net loans and leases to core deposits | 36.8612% | 6,338 |
| Total domestic deposits to total assets | 90.2374% | 945 |
| Equity capital to assets | 9.4792% | 4,526 |
| Core capital (leverage) ratio | 9.1143% | 4,847 |
| Tier 1 risk-based capital ratio | 13.5328% | 4,661 |
| Total risk-based capital ratio | 14.1819% | 4,979 |
| Memoranda: | ||
| Average total assets | $183,229,500 | 3,247 |
| Average earning assets | $172,383,500 | 3,188 |
| Average equity | $17,193,000 | 3,522 |
| Average total loans | $61,434,500 | 4,533 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9164% | 6,414 |
| Cost of funding earning assets | 0.2584% | 5,919 |
| Net interest margin | 2.6580% | 6,194 |
| Noninterest income to average assets | 0.8002% | 2,079 |
| Noninterest expense to average assets | 2.7019% | 4,088 |
| Loan and lease loss provision to assets | 0.0614% | 3,911 |
| Net operating income to assets | 0.3930% | 5,174 |
| Return on assets (ROA) | 0.4476% | 5,090 |
| Pretax return on assets | 0.6122% | 4,838 |
| Return on Equity (ROE) | 4.7206% | 4,767 |
| Retained earnings to average equity (ytd only) | 1.6787% | 5,034 |
| Net charge-offs to loans | 0.1928% | 2,926 |
| Credit loss provision to net charge-offs | 96.6387% | 2,588 |
| Earnings coverage of net charge-offs (x) | 9.4202% | 2,506 |
| Efficiency ratio | 81.8579% | 1,895 |
| Assets per employee ($millions) | 4.3472% | 3,177 |
| Cash dividends to net income (ytd only)* | 64.4391% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 3,689 |
| Loan loss allowance to noncurrent loans | 76.0928% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 4,191 |
| Noncurrent loans to loans | 1.8307% | 2,195 |
| Net loans and leases to total assets | 33.0710% | 6,332 |
| Net loans and leases to deposits | 36.5464% | 6,411 |
| Net loans and leases to core deposits | 36.8709% | 6,444 |
| Total domestic deposits to total assets | 90.4904% | 820 |
| Equity capital to assets | 9.2867% | 4,702 |
| Core capital (leverage) ratio | 9.1466% | 4,788 |
| Tier 1 risk-based capital ratio | 13.4531% | 4,682 |
| Total risk-based capital ratio | 14.1392% | 5,000 |
| Memoranda: | ||
| Average total assets | $187,203,400 | 3,200 |
| Average earning assets | $176,107,400 | 3,129 |
| Average equity | $17,752,000 | 3,458 |
| Average total loans | $61,725,000 | 4,556 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9289% | 6,475 |
| Cost of funding earning assets | 0.2574% | 6,030 |
| Net interest margin | 2.6715% | 6,221 |
| Noninterest income to average assets | 0.8282% | 2,015 |
| Noninterest expense to average assets | 2.6460% | 4,218 |
| Loan and lease loss provision to assets | 0.0814% | 3,434 |
| Net operating income to assets | 0.4370% | 5,082 |
| Return on assets (ROA) | 0.5068% | 4,928 |
| Pretax return on assets | 0.7121% | 4,653 |
| Return on Equity (ROE) | 5.3180% | 4,554 |
| Retained earnings to average equity (ytd only) | 2.3100% | 4,944 |
| Net charge-offs to loans | 0.2199% | 2,502 |
| Credit loss provision to net charge-offs | 112.7451% | 2,083 |
| Earnings coverage of net charge-offs (x) | 9.6272% | 2,460 |
| Efficiency ratio | 79.1949% | 2,234 |
| Assets per employee ($millions) | 4.4166% | 3,027 |
| Cash dividends to net income (ytd only)* | 56.5648% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 3,764 |
| Loan loss allowance to noncurrent loans | 97.0982% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 4,908 |
| Noncurrent loans to loans | 1.4743% | 2,954 |
| Net loans and leases to total assets | 32.2940% | 6,444 |
| Net loans and leases to deposits | 35.7394% | 6,518 |
| Net loans and leases to core deposits | 36.0574% | 6,557 |
| Total domestic deposits to total assets | 90.3595% | 813 |
| Equity capital to assets | 9.3655% | 4,724 |
| Core capital (leverage) ratio | 9.0673% | 5,015 |
| Tier 1 risk-based capital ratio | 13.3670% | 4,863 |
| Total risk-based capital ratio | 14.0626% | 5,188 |
| Memoranda: | ||
| Average total assets | $188,358,500 | 3,211 |
| Average earning assets | $177,171,750 | 3,142 |
| Average equity | $17,951,000 | 3,465 |
| Average total loans | $61,847,500 | 4,588 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9709% | 6,475 |
| Cost of funding earning assets | 0.2729% | 6,031 |
| Net interest margin | 2.6980% | 6,178 |
| Noninterest income to average assets | 0.7448% | 2,439 |
| Noninterest expense to average assets | 2.5904% | 4,426 |
| Loan and lease loss provision to assets | 0.0687% | 3,668 |
| Net operating income to assets | 0.4399% | 5,062 |
| Return on assets (ROA) | 0.5420% | 4,762 |
| Pretax return on assets | 0.7691% | 4,431 |
| Return on Equity (ROE) | 5.6549% | 4,372 |
| Retained earnings to average equity (ytd only) | 2.6786% | 4,605 |
| Net charge-offs to loans | 0.3312% | 1,861 |
| Credit loss provision to net charge-offs | 63.1068% | 2,963 |
| Earnings coverage of net charge-offs (x) | 6.3592% | 2,731 |
| Efficiency ratio | 78.9186% | 2,315 |
| Assets per employee ($millions) | 4.3847% | 3,023 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 4,244 |
| Loan loss allowance to noncurrent loans | 133.3876% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 4,886 |
| Noncurrent loans to loans | 1.0157% | 3,904 |
| Net loans and leases to total assets | 32.3813% | 6,492 |
| Net loans and leases to deposits | 35.7613% | 6,564 |
| Net loans and leases to core deposits | 36.2317% | 6,599 |
| Total domestic deposits to total assets | 90.5484% | 730 |
| Equity capital to assets | 9.2882% | 4,875 |
| Core capital (leverage) ratio | 8.7905% | 5,305 |
| Tier 1 risk-based capital ratio | 13.7847% | 4,581 |
| Total risk-based capital ratio | 14.4633% | 4,921 |
| Memoranda: | ||
| Average total assets | $189,311,670 | 3,204 |
| Average earning assets | $178,061,000 | 3,145 |
| Average equity | $18,143,670 | 3,451 |
| Average total loans | $62,205,000 | 4,597 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0209% | 6,490 |
| Cost of funding earning assets | 0.2948% | 6,010 |
| Net interest margin | 2.7261% | 6,174 |
| Noninterest income to average assets | 0.6983% | 2,596 |
| Noninterest expense to average assets | 2.5035% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5441% | 4,482 |
| Return on assets (ROA) | 0.5441% | 4,632 |
| Pretax return on assets | 0.7588% | 4,333 |
| Return on Equity (ROE) | 5.5940% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.7005% | 4,667 |
| Net charge-offs to loans | 0.5136% | 1,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.4938% | 2,539 |
| Efficiency ratio | 76.7412% | 2,806 |
| Assets per employee ($millions) | 4.4262% | 3,106 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 4,967 |
| Loan loss allowance to noncurrent loans | 86.1265% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 4,938 |
| Noncurrent loans to loans | 1.4477% | 3,394 |
| Net loans and leases to total assets | 32.2914% | 6,504 |
| Net loans and leases to deposits | 35.9622% | 6,571 |
| Net loans and leases to core deposits | 36.4435% | 6,612 |
| Total domestic deposits to total assets | 89.7928% | 1,170 |
| Equity capital to assets | 9.7212% | 4,534 |
| Core capital (leverage) ratio | 8.7659% | 5,240 |
| Tier 1 risk-based capital ratio | 15.0815% | 3,786 |
| Total risk-based capital ratio | 15.7904% | 4,111 |
| Memoranda: | ||
| Average total assets | $191,888,000 | 3,199 |
| Average earning assets | $180,479,000 | 3,138 |
| Average equity | $18,663,000 | 3,427 |
| Average total loans | $63,081,500 | 4,596 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3664% | 6,521 |
| Cost of funding earning assets | 0.4761% | 5,378 |
| Net interest margin | 2.8903% | 6,242 |
| Noninterest income to average assets | 0.8281% | 2,141 |
| Noninterest expense to average assets | 2.5553% | 4,916 |
| Loan and lease loss provision to assets | 0.1790% | 3,389 |
| Net operating income to assets | 0.5867% | 4,301 |
| Return on assets (ROA) | 0.6736% | 4,137 |
| Pretax return on assets | 0.9406% | 3,777 |
| Return on Equity (ROE) | 6.9463% | 3,673 |
| Retained earnings to average equity (ytd only) | 2.5580% | 4,427 |
| Net charge-offs to loans | 0.5123% | 2,195 |
| Credit loss provision to net charge-offs | 108.0247% | 2,735 |
| Earnings coverage of net charge-offs (x) | 6.0278% | 2,888 |
| Efficiency ratio | 71.8952% | 3,431 |
| Assets per employee ($millions) | 4.2989% | 3,360 |
| Cash dividends to net income (ytd only)* | 63.1739% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 4,452 |
| Loan loss allowance to noncurrent loans | 64.1467% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 4,592 |
| Noncurrent loans to loans | 2.0899% | 2,590 |
| Net loans and leases to total assets | 32.6033% | 6,602 |
| Net loans and leases to deposits | 36.3509% | 6,673 |
| Net loans and leases to core deposits | 37.0100% | 6,703 |
| Total domestic deposits to total assets | 89.6904% | 1,134 |
| Equity capital to assets | 9.7307% | 4,555 |
| Core capital (leverage) ratio | 8.6373% | 5,412 |
| Tier 1 risk-based capital ratio | 15.5162% | 3,412 |
| Total risk-based capital ratio | 16.3265% | 3,629 |
| Memoranda: | ||
| Average total assets | $195,513,600 | 3,101 |
| Average earning assets | $184,409,600 | 3,036 |
| Average equity | $18,959,800 | 3,341 |
| Average total loans | $63,247,200 | 4,587 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4642% | 6,548 |
| Cost of funding earning assets | 0.5143% | 5,345 |
| Net interest margin | 2.9499% | 6,272 |
| Noninterest income to average assets | 0.7992% | 2,244 |
| Noninterest expense to average assets | 2.5336% | 4,976 |
| Loan and lease loss provision to assets | 0.2177% | 2,887 |
| Net operating income to assets | 0.5905% | 4,434 |
| Return on assets (ROA) | 0.6992% | 4,168 |
| Pretax return on assets | 0.9862% | 3,767 |
| Return on Equity (ROE) | 7.2162% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.0076% | 5,317 |
| Net charge-offs to loans | 0.4650% | 2,243 |
| Credit loss provision to net charge-offs | 145.4545% | 1,961 |
| Earnings coverage of net charge-offs (x) | 7.0226% | 2,675 |
| Efficiency ratio | 70.6831% | 3,556 |
| Assets per employee ($millions) | 4.3326% | 3,204 |
| Cash dividends to net income (ytd only)* | 72.1792% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 4,089 |
| Loan loss allowance to noncurrent loans | 79.0994% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6288% | 5,097 |
| Noncurrent loans to loans | 1.8522% | 3,013 |
| Net loans and leases to total assets | 32.1162% | 6,738 |
| Net loans and leases to deposits | 35.9103% | 6,815 |
| Net loans and leases to core deposits | 36.9353% | 6,836 |
| Total domestic deposits to total assets | 89.4346% | 1,166 |
| Equity capital to assets | 9.7606% | 4,833 |
| Core capital (leverage) ratio | 8.4787% | 5,780 |
| Tier 1 risk-based capital ratio | 18.6683% | 2,110 |
| Total risk-based capital ratio | 19.7389% | 2,139 |
| Memoranda: | ||
| Average total assets | $196,029,500 | 3,123 |
| Average earning assets | $185,087,500 | 3,054 |
| Average equity | $18,993,750 | 3,368 |
| Average total loans | $63,077,000 | 4,639 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 6,551 |
| Cost of funding earning assets | 0.5383% | 5,381 |
| Net interest margin | 3.0075% | 6,226 |
| Noninterest income to average assets | 0.7944% | 2,209 |
| Noninterest expense to average assets | 2.5114% | 5,101 |
| Loan and lease loss provision to assets | 0.2139% | 2,936 |
| Net operating income to assets | 0.6460% | 4,131 |
| Return on assets (ROA) | 0.7241% | 4,009 |
| Pretax return on assets | 1.0184% | 3,642 |
| Return on Equity (ROE) | 7.4914% | 3,524 |
| Retained earnings to average equity (ytd only) | 2.7500% | 4,789 |
| Net charge-offs to loans | 0.5435% | 1,966 |
| Credit loss provision to net charge-offs | 122.8070% | 2,233 |
| Earnings coverage of net charge-offs (x) | 6.4444% | 2,639 |
| Efficiency ratio | 69.1143% | 3,912 |
| Assets per employee ($millions) | 4.2303% | 3,398 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,631 |
| Loan loss allowance to noncurrent loans | 71.3700% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 5,054 |
| Noncurrent loans to loans | 1.9017% | 3,076 |
| Net loans and leases to total assets | 32.4945% | 6,790 |
| Net loans and leases to deposits | 36.3718% | 6,863 |
| Net loans and leases to core deposits | 37.4101% | 6,879 |
| Total domestic deposits to total assets | 89.3398% | 1,307 |
| Equity capital to assets | 9.8323% | 4,572 |
| Core capital (leverage) ratio | 8.3040% | 5,905 |
| Tier 1 risk-based capital ratio | 20.8421% | 1,512 |
| Total risk-based capital ratio | 21.9618% | 1,510 |
| Memoranda: | ||
| Average total assets | $196,383,670 | 3,130 |
| Average earning assets | $185,405,000 | 3,051 |
| Average equity | $18,981,670 | 3,356 |
| Average total loans | $62,920,330 | 4,679 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 6,597 |
| Cost of funding earning assets | 0.5586% | 5,439 |
| Net interest margin | 3.0231% | 6,245 |
| Noninterest income to average assets | 0.7989% | 2,176 |
| Noninterest expense to average assets | 2.5710% | 4,922 |
| Loan and lease loss provision to assets | 0.2636% | 2,352 |
| Net operating income to assets | 0.6144% | 4,287 |
| Return on assets (ROA) | 0.6144% | 4,497 |
| Pretax return on assets | 0.8171% | 4,353 |
| Return on Equity (ROE) | 6.4107% | 4,083 |
| Retained earnings to average equity (ytd only) | 1.6503% | 5,411 |
| Net charge-offs to loans | 0.5327% | 1,755 |
| Credit loss provision to net charge-offs | 156.6265% | 1,619 |
| Earnings coverage of net charge-offs (x) | 6.4217% | 2,214 |
| Efficiency ratio | 70.4053% | 3,742 |
| Assets per employee ($millions) | 4.3039% | 3,390 |
| Cash dividends to net income (ytd only)* | 74.2574% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,524 |
| Loan loss allowance to noncurrent loans | 63.1201% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 0.7996% | 4,947 |
| Noncurrent loans to loans | 2.2470% | 2,864 |
| Net loans and leases to total assets | 30.8243% | 6,874 |
| Net loans and leases to deposits | 34.3630% | 6,938 |
| Net loans and leases to core deposits | 35.5692% | 6,951 |
| Total domestic deposits to total assets | 89.7020% | 1,244 |
| Equity capital to assets | 9.5419% | 4,735 |
| Core capital (leverage) ratio | 8.2734% | 5,917 |
| Tier 1 risk-based capital ratio | 21.2400% | 1,439 |
| Total risk-based capital ratio | 22.4045% | 1,431 |
| Memoranda: | ||
| Average total assets | $197,279,000 | 3,143 |
| Average earning assets | $186,165,000 | 3,068 |
| Average equity | $18,906,000 | 3,364 |
| Average total loans | $62,329,500 | 4,722 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 6,624 |
| Cost of funding earning assets | 0.7051% | 5,504 |
| Net interest margin | 3.1890% | 6,128 |
| Noninterest income to average assets | 0.7426% | 2,377 |
| Noninterest expense to average assets | 2.5736% | 5,190 |
| Loan and lease loss provision to assets | 0.0878% | 5,492 |
| Net operating income to assets | 0.7753% | 3,150 |
| Return on assets (ROA) | 0.7778% | 3,307 |
| Pretax return on assets | 1.1009% | 2,832 |
| Return on Equity (ROE) | 8.7234% | 2,579 |
| Retained earnings to average equity (ytd only) | 8.7234% | 874 |
| Net charge-offs to loans | 0.2853% | 3,991 |
| Credit loss provision to net charge-offs | 96.6851% | 3,725 |
| Earnings coverage of net charge-offs (x) | 13.0497% | 1,574 |
| Efficiency ratio | 68.4688% | 4,261 |
| Assets per employee ($millions) | 4.3684% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,788 |
| Loan loss allowance to noncurrent loans | 58.7694% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 4,824 |
| Noncurrent loans to loans | 2.2532% | 2,893 |
| Net loans and leases to total assets | 31.5010% | 6,952 |
| Net loans and leases to deposits | 35.1481% | 7,021 |
| Net loans and leases to core deposits | 36.0071% | 7,036 |
| Total domestic deposits to total assets | 89.6235% | 1,192 |
| Equity capital to assets | 9.6252% | 4,711 |
| Core capital (leverage) ratio | 8.0898% | 6,154 |
| Tier 1 risk-based capital ratio | 17.2035% | 2,509 |
| Total risk-based capital ratio | 18.1012% | 2,633 |
| Memoranda: | ||
| Average total assets | $199,292,000 | 3,065 |
| Average earning assets | $188,490,400 | 2,983 |
| Average equity | $17,768,400 | 3,456 |
| Average total loans | $63,447,400 | 4,727 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 6,715 |
| Cost of funding earning assets | 0.7339% | 5,568 |
| Net interest margin | 3.1812% | 6,200 |
| Noninterest income to average assets | 0.7468% | 2,333 |
| Noninterest expense to average assets | 2.6390% | 4,943 |
| Loan and lease loss provision to assets | 0.0667% | 5,620 |
| Net operating income to assets | 0.7384% | 3,435 |
| Return on assets (ROA) | 0.7421% | 3,588 |
| Pretax return on assets | 1.0581% | 3,176 |
| Return on Equity (ROE) | 8.4894% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.4894% | 1,314 |
| Net charge-offs to loans | 0.2766% | 3,700 |
| Credit loss provision to net charge-offs | 75.7576% | 4,284 |
| Earnings coverage of net charge-offs (x) | 12.7194% | 1,675 |
| Efficiency ratio | 70.2147% | 3,922 |
| Assets per employee ($millions) | 4.6417% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 5,025 |
| Loan loss allowance to noncurrent loans | 84.3816% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6444% | 5,525 |
| Noncurrent loans to loans | 1.5373% | 3,978 |
| Net loans and leases to total assets | 29.9901% | 7,086 |
| Net loans and leases to deposits | 33.4661% | 7,144 |
| Net loans and leases to core deposits | 34.8548% | 7,145 |
| Total domestic deposits to total assets | 89.6134% | 1,088 |
| Equity capital to assets | 9.3971% | 5,244 |
| Core capital (leverage) ratio | 7.7853% | 6,576 |
| Tier 1 risk-based capital ratio | 16.6637% | 2,775 |
| Total risk-based capital ratio | 17.5298% | 2,941 |
| Memoranda: | ||
| Average total assets | $199,970,500 | 3,076 |
| Average earning assets | $189,314,500 | 2,985 |
| Average equity | $17,480,250 | 3,516 |
| Average total loans | $63,620,500 | 4,772 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 6,711 |
| Cost of funding earning assets | 0.7429% | 5,713 |
| Net interest margin | 3.2269% | 6,074 |
| Noninterest income to average assets | 0.7696% | 2,161 |
| Noninterest expense to average assets | 2.7036% | 4,809 |
| Loan and lease loss provision to assets | 0.0504% | 5,681 |
| Net operating income to assets | 0.7508% | 3,286 |
| Return on assets (ROA) | 0.7565% | 3,389 |
| Pretax return on assets | 1.0778% | 2,942 |
| Return on Equity (ROE) | 8.8825% | 2,562 |
| Retained earnings to average equity (ytd only) | 8.8825% | 1,148 |
| Net charge-offs to loans | 0.1278% | 4,456 |
| Credit loss provision to net charge-offs | 121.9512% | 2,500 |
| Earnings coverage of net charge-offs (x) | 27.1220% | 1,000 |
| Efficiency ratio | 70.7060% | 3,986 |
| Assets per employee ($millions) | 4.1446% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,745 |
| Loan loss allowance to noncurrent loans | 69.7444% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 5,470 |
| Noncurrent loans to loans | 1.9596% | 3,531 |
| Net loans and leases to total assets | 30.6887% | 7,155 |
| Net loans and leases to deposits | 34.0553% | 7,216 |
| Net loans and leases to core deposits | 35.6787% | 7,226 |
| Total domestic deposits to total assets | 90.1143% | 914 |
| Equity capital to assets | 9.0855% | 5,461 |
| Core capital (leverage) ratio | 7.7603% | 6,538 |
| Tier 1 risk-based capital ratio | 19.1482% | 1,802 |
| Total risk-based capital ratio | 20.2179% | 1,822 |
| Memoranda: | ||
| Average total assets | $198,549,330 | 3,114 |
| Average earning assets | $187,918,670 | 3,030 |
| Average equity | $16,909,670 | 3,589 |
| Average total loans | $64,142,330 | 4,787 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9528% | 6,759 |
| Cost of funding earning assets | 0.7471% | 5,876 |
| Net interest margin | 3.2057% | 6,053 |
| Noninterest income to average assets | 0.6070% | 3,116 |
| Noninterest expense to average assets | 2.6700% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6810% | 3,604 |
| Return on assets (ROA) | 0.7502% | 3,335 |
| Pretax return on assets | 1.0728% | 2,858 |
| Return on Equity (ROE) | 9.1137% | 2,432 |
| Retained earnings to average equity (ytd only) | 9.1137% | 1,348 |
| Net charge-offs to loans | 0.1839% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 16.1000% | 1,282 |
| Efficiency ratio | 73.2706% | 3,640 |
| Assets per employee ($millions) | 4.0692% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 5,432 |
| Loan loss allowance to noncurrent loans | 66.6942% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6068% | 5,759 |
| Noncurrent loans to loans | 1.8636% | 3,741 |
| Net loans and leases to total assets | 32.1579% | 7,163 |
| Net loans and leases to deposits | 35.1857% | 7,243 |
| Net loans and leases to core deposits | 36.9504% | 7,242 |
| Total domestic deposits to total assets | 91.3948% | 445 |
| Equity capital to assets | 8.1914% | 6,287 |
| Core capital (leverage) ratio | 7.5641% | 6,688 |
| Tier 1 risk-based capital ratio | 18.3619% | 2,002 |
| Total risk-based capital ratio | 19.3660% | 2,044 |
| Memoranda: | ||
| Average total assets | $198,352,500 | 3,137 |
| Average earning assets | $187,916,000 | 3,041 |
| Average equity | $16,327,000 | 3,670 |
| Average total loans | $65,264,000 | 4,798 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 7,138 |
| Cost of funding earning assets | 0.8983% | 6,180 |
| Net interest margin | 3.0980% | 6,523 |
| Noninterest income to average assets | 0.8935% | 1,868 |
| Noninterest expense to average assets | 2.6151% | 5,353 |
| Loan and lease loss provision to assets | 0.1356% | 5,815 |
| Net operating income to assets | 0.7611% | 2,954 |
| Return on assets (ROA) | 0.8412% | 2,762 |
| Pretax return on assets | 1.1674% | 2,336 |
| Return on Equity (ROE) | 10.3426% | 1,801 |
| Retained earnings to average equity (ytd only) | 8.9374% | 723 |
| Net charge-offs to loans | 0.0616% | 6,170 |
| Credit loss provision to net charge-offs | 651.2195% | 324 |
| Earnings coverage of net charge-offs (x) | 57.2195% | 409 |
| Efficiency ratio | 68.6950% | 4,427 |
| Assets per employee ($millions) | 4.2894% | 3,231 |
| Cash dividends to net income (ytd only)* | 13.5870% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 5,129 |
| Loan loss allowance to noncurrent loans | 55.3206% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 5,365 |
| Noncurrent loans to loans | 2.3064% | 3,216 |
| Net loans and leases to total assets | 32.8228% | 7,265 |
| Net loans and leases to deposits | 35.8696% | 7,348 |
| Net loans and leases to core deposits | 37.8843% | 7,353 |
| Total domestic deposits to total assets | 91.5059% | 399 |
| Equity capital to assets | 8.2716% | 6,176 |
| Core capital (leverage) ratio | 7.4135% | 6,774 |
| Tier 1 risk-based capital ratio | 17.8184% | 2,057 |
| Total risk-based capital ratio | 18.8540% | 2,101 |
| Memoranda: | ||
| Average total assets | $196,856,000 | 3,137 |
| Average earning assets | $185,120,200 | 3,061 |
| Average equity | $16,011,400 | 3,762 |
| Average total loans | $66,507,800 | 4,807 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 7,299 |
| Cost of funding earning assets | 0.9262% | 6,282 |
| Net interest margin | 3.0494% | 6,733 |
| Noninterest income to average assets | 0.8512% | 1,994 |
| Noninterest expense to average assets | 2.6349% | 5,175 |
| Loan and lease loss provision to assets | 0.1809% | 5,234 |
| Net operating income to assets | 0.6474% | 3,658 |
| Return on assets (ROA) | 0.7543% | 3,359 |
| Pretax return on assets | 1.0464% | 3,008 |
| Return on Equity (ROE) | 9.3132% | 2,384 |
| Retained earnings to average equity (ytd only) | 7.4305% | 1,627 |
| Net charge-offs to loans | 0.0599% | 5,910 |
| Credit loss provision to net charge-offs | 890.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 53.0653% | 544 |
| Efficiency ratio | 70.9489% | 3,890 |
| Assets per employee ($millions) | 4.2134% | 3,425 |
| Cash dividends to net income (ytd only)* | 20.2155% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 4,956 |
| Loan loss allowance to noncurrent loans | 54.2546% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 5,403 |
| Noncurrent loans to loans | 2.3983% | 3,239 |
| Net loans and leases to total assets | 32.4811% | 7,394 |
| Net loans and leases to deposits | 35.9238% | 7,474 |
| Net loans and leases to core deposits | 38.5066% | 7,448 |
| Total domestic deposits to total assets | 90.4167% | 674 |
| Equity capital to assets | 8.7683% | 5,907 |
| Core capital (leverage) ratio | 7.0049% | 7,165 |
| Tier 1 risk-based capital ratio | 15.5811% | 2,950 |
| Total risk-based capital ratio | 16.5370% | 3,070 |
| Memoranda: | ||
| Average total assets | $196,741,500 | 3,181 |
| Average earning assets | $184,685,750 | 3,116 |
| Average equity | $15,934,000 | 3,821 |
| Average total loans | $66,734,500 | 4,877 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 7,361 |
| Cost of funding earning assets | 0.9460% | 6,395 |
| Net interest margin | 3.0575% | 6,709 |
| Noninterest income to average assets | 0.8324% | 1,960 |
| Noninterest expense to average assets | 2.6692% | 5,041 |
| Loan and lease loss provision to assets | 0.1854% | 5,018 |
| Net operating income to assets | 0.6114% | 3,831 |
| Return on assets (ROA) | 0.7743% | 3,241 |
| Pretax return on assets | 1.0657% | 2,884 |
| Return on Equity (ROE) | 9.8335% | 2,163 |
| Retained earnings to average equity (ytd only) | 6.9223% | 1,876 |
| Net charge-offs to loans | 0.0714% | 5,429 |
| Credit loss provision to net charge-offs | 758.3333% | 489 |
| Earnings coverage of net charge-offs (x) | 42.0417% | 694 |
| Efficiency ratio | 72.1962% | 3,782 |
| Assets per employee ($millions) | 4.1620% | 3,462 |
| Cash dividends to net income (ytd only)* | 29.6053% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,700 |
| Loan loss allowance to noncurrent loans | 58.4791% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 5,673 |
| Noncurrent loans to loans | 1.9634% | 3,770 |
| Net loans and leases to total assets | 33.8449% | 7,426 |
| Net loans and leases to deposits | 37.3562% | 7,507 |
| Net loans and leases to core deposits | 39.3645% | 7,498 |
| Total domestic deposits to total assets | 90.6005% | 641 |
| Equity capital to assets | 8.4196% | 6,269 |
| Core capital (leverage) ratio | 6.9045% | 7,239 |
| Tier 1 risk-based capital ratio | 14.6080% | 3,380 |
| Total risk-based capital ratio | 15.4262% | 3,573 |
| Memoranda: | ||
| Average total assets | $196,311,330 | 3,210 |
| Average earning assets | $183,940,330 | 3,150 |
| Average equity | $15,457,330 | 3,897 |
| Average total loans | $67,255,670 | 4,889 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 7,427 |
| Cost of funding earning assets | 0.9709% | 6,504 |
| Net interest margin | 3.0671% | 6,674 |
| Noninterest income to average assets | 0.7322% | 2,398 |
| Noninterest expense to average assets | 2.6686% | 5,065 |
| Loan and lease loss provision to assets | 0.3702% | 3,146 |
| Net operating income to assets | 0.4115% | 4,791 |
| Return on assets (ROA) | 0.6387% | 3,838 |
| Pretax return on assets | 0.8705% | 3,578 |
| Return on Equity (ROE) | 8.4008% | 2,700 |
| Retained earnings to average equity (ytd only) | 2.3811% | 4,714 |
| Net charge-offs to loans | -0.0059% | 6,826 |
| Credit loss provision to net charge-offs | -18,200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1662% | 3,552 |
| Assets per employee ($millions) | 4.2666% | 3,350 |
| Cash dividends to net income (ytd only)* | 71.6561% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 5,505 |
| Loan loss allowance to noncurrent loans | 68.5073% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 6,037 |
| Noncurrent loans to loans | 1.7506% | 4,123 |
| Net loans and leases to total assets | 33.3286% | 7,519 |
| Net loans and leases to deposits | 36.4662% | 7,612 |
| Net loans and leases to core deposits | 38.3055% | 7,617 |
| Total domestic deposits to total assets | 91.3958% | 409 |
| Equity capital to assets | 7.6682% | 6,953 |
| Core capital (leverage) ratio | 6.8073% | 7,351 |
| Tier 1 risk-based capital ratio | 12.3873% | 4,841 |
| Total risk-based capital ratio | 13.1427% | 5,256 |
| Memoranda: | ||
| Average total assets | $196,659,000 | 3,263 |
| Average earning assets | $183,754,000 | 3,210 |
| Average equity | $14,951,000 | 4,029 |
| Average total loans | $67,396,000 | 4,952 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 7,413 |
| Cost of funding earning assets | 1.2763% | 6,389 |
| Net interest margin | 3.1853% | 6,144 |
| Noninterest income to average assets | 0.9897% | 1,614 |
| Noninterest expense to average assets | 2.7366% | 5,212 |
| Loan and lease loss provision to assets | 0.0637% | 6,935 |
| Net operating income to assets | 0.8460% | 2,364 |
| Return on assets (ROA) | 0.8480% | 2,439 |
| Pretax return on assets | 1.1600% | 2,065 |
| Return on Equity (ROE) | 12.7542% | 1,014 |
| Retained earnings to average equity (ytd only) | 6.2893% | 1,234 |
| Net charge-offs to loans | 0.0464% | 6,641 |
| Credit loss provision to net charge-offs | 375.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 71.9063% | 382 |
| Efficiency ratio | 69.1472% | 4,797 |
| Assets per employee ($millions) | 4.3790% | 3,148 |
| Cash dividends to net income (ytd only)* | 50.6884% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 6,855 |
| Loan loss allowance to noncurrent loans | 57.2097% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 6,093 |
| Noncurrent loans to loans | 1.5572% | 4,317 |
| Net loans and leases to total assets | 34.4956% | 7,578 |
| Net loans and leases to deposits | 37.7597% | 7,688 |
| Net loans and leases to core deposits | 42.9035% | 7,719 |
| Total domestic deposits to total assets | 91.3557% | 420 |
| Equity capital to assets | 7.5370% | 7,000 |
| Core capital (leverage) ratio | 6.7143% | 7,404 |
| Tier 1 risk-based capital ratio | 13.0526% | 4,106 |
| Total risk-based capital ratio | 13.6729% | 4,533 |
| Memoranda: | ||
| Average total assets | $188,447,200 | 3,304 |
| Average earning assets | $175,590,200 | 3,276 |
| Average equity | $12,529,200 | 4,620 |
| Average total loans | $68,934,600 | 4,904 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 7,456 |
| Cost of funding earning assets | 1.3436% | 6,419 |
| Net interest margin | 3.2036% | 6,014 |
| Noninterest income to average assets | 0.9454% | 1,796 |
| Noninterest expense to average assets | 2.8055% | 4,874 |
| Loan and lease loss provision to assets | 0.0573% | 6,791 |
| Net operating income to assets | 0.7868% | 2,869 |
| Return on assets (ROA) | 0.7894% | 2,923 |
| Pretax return on assets | 1.0743% | 2,656 |
| Return on Equity (ROE) | 12.3081% | 1,286 |
| Retained earnings to average equity (ytd only) | 3.2695% | 3,485 |
| Net charge-offs to loans | 0.0193% | 6,637 |
| Credit loss provision to net charge-offs | 800.0000% | 477 |
| Earnings coverage of net charge-offs (x) | 157.6354% | 239 |
| Efficiency ratio | 71.3246% | 4,362 |
| Assets per employee ($millions) | 4.4374% | 2,964 |
| Cash dividends to net income (ytd only)* | 73.4359% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 6,899 |
| Loan loss allowance to noncurrent loans | 101.7153% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 6,740 |
| Noncurrent loans to loans | 0.8522% | 5,596 |
| Net loans and leases to total assets | 34.7340% | 7,666 |
| Net loans and leases to deposits | 37.9826% | 7,780 |
| Net loans and leases to core deposits | 42.7335% | 7,817 |
| Total domestic deposits to total assets | 91.4471% | 273 |
| Equity capital to assets | 7.6602% | 7,184 |
| Core capital (leverage) ratio | 6.7832% | 7,549 |
| Tier 1 risk-based capital ratio | 12.7179% | 4,378 |
| Total risk-based capital ratio | 13.3093% | 4,860 |
| Memoranda: | ||
| Average total assets | $186,295,500 | 3,365 |
| Average earning assets | $173,759,000 | 3,323 |
| Average equity | $11,948,500 | 4,810 |
| Average total loans | $69,021,750 | 4,950 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 7,370 |
| Cost of funding earning assets | 1.4200% | 6,414 |
| Net interest margin | 3.2950% | 5,577 |
| Noninterest income to average assets | 0.9830% | 1,654 |
| Noninterest expense to average assets | 2.8760% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8459% | 2,669 |
| Return on assets (ROA) | 0.8554% | 2,734 |
| Pretax return on assets | 1.1860% | 2,339 |
| Return on Equity (ROE) | 14.3249% | 938 |
| Retained earnings to average equity (ytd only) | 4.4582% | 2,812 |
| Net charge-offs to loans | 0.0289% | 6,069 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 358 |
| Efficiency ratio | 71.0321% | 4,586 |
| Assets per employee ($millions) | 4.1823% | 3,323 |
| Cash dividends to net income (ytd only)* | 68.8776% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7341% | 7,348 |
| Loan loss allowance to noncurrent loans | 124.8175% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 6,942 |
| Noncurrent loans to loans | 0.5882% | 6,078 |
| Net loans and leases to total assets | 37.6954% | 7,649 |
| Net loans and leases to deposits | 40.2814% | 7,806 |
| Net loans and leases to core deposits | 45.5066% | 7,844 |
| Total domestic deposits to total assets | 93.5800% | 74 |
| Equity capital to assets | 6.0173% | 7,924 |
| Core capital (leverage) ratio | 5.7650% | 7,958 |
| Tier 1 risk-based capital ratio | 10.9639% | 5,913 |
| Total risk-based capital ratio | 11.4892% | 6,593 |
| Memoranda: | ||
| Average total assets | $183,312,670 | 3,437 |
| Average earning assets | $170,562,330 | 3,386 |
| Average equity | $10,946,000 | 5,104 |
| Average total loans | $69,226,000 | 4,989 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 7,157 |
| Cost of funding earning assets | 1.4926% | 6,425 |
| Net interest margin | 3.4158% | 5,076 |
| Noninterest income to average assets | 0.9467% | 1,660 |
| Noninterest expense to average assets | 2.7897% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9077% | 2,672 |
| Return on assets (ROA) | 0.9139% | 2,784 |
| Pretax return on assets | 1.2877% | 2,321 |
| Return on Equity (ROE) | 15.3641% | 909 |
| Retained earnings to average equity (ytd only) | 5.4399% | 2,881 |
| Net charge-offs to loans | 0.1161% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,078 |
| Efficiency ratio | 68.5653% | 4,857 |
| Assets per employee ($millions) | 4.0838% | 3,483 |
| Cash dividends to net income (ytd only)* | 64.5933% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7312% | 7,357 |
| Loan loss allowance to noncurrent loans | 98.0507% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 6,684 |
| Noncurrent loans to loans | 0.7457% | 5,564 |
| Net loans and leases to total assets | 36.3540% | 7,719 |
| Net loans and leases to deposits | 38.7816% | 7,879 |
| Net loans and leases to core deposits | 42.3958% | 7,931 |
| Total domestic deposits to total assets | 93.7403% | 52 |
| Equity capital to assets | 5.6624% | 8,045 |
| Core capital (leverage) ratio | 5.8989% | 8,022 |
| Tier 1 risk-based capital ratio | 10.4616% | 6,434 |
| Total risk-based capital ratio | 10.9577% | 7,158 |
| Memoranda: | ||
| Average total assets | $182,959,000 | 3,462 |
| Average earning assets | $167,220,500 | 3,462 |
| Average equity | $10,882,500 | 5,139 |
| Average total loans | $68,899,000 | 5,019 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 7,704 |
| Cost of funding earning assets | 1.7464% | 7,143 |
| Net interest margin | 3.4267% | 5,553 |
| Noninterest income to average assets | 1.0356% | 1,466 |
| Noninterest expense to average assets | 2.7353% | 5,111 |
| Loan and lease loss provision to assets | 0.1803% | 5,094 |
| Net operating income to assets | 0.9367% | 2,847 |
| Return on assets (ROA) | 0.9958% | 2,458 |
| Pretax return on assets | 1.4136% | 1,933 |
| Return on Equity (ROE) | 16.5928% | 687 |
| Retained earnings to average equity (ytd only) | 3.5921% | 2,909 |
| Net charge-offs to loans | 0.2971% | 3,410 |
| Credit loss provision to net charge-offs | 152.1951% | 3,439 |
| Earnings coverage of net charge-offs (x) | 12.7415% | 2,215 |
| Efficiency ratio | 64.4384% | 5,465 |
| Assets per employee ($millions) | 3.7886% | 3,981 |
| Cash dividends to net income (ytd only)* | 78.3517% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7579% | 7,253 |
| Loan loss allowance to noncurrent loans | 69.9198% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 5,957 |
| Noncurrent loans to loans | 1.0840% | 4,398 |
| Net loans and leases to total assets | 38.4579% | 7,746 |
| Net loans and leases to deposits | 41.2463% | 7,918 |
| Net loans and leases to core deposits | 44.0058% | 7,996 |
| Total domestic deposits to total assets | 93.2395% | 47 |
| Equity capital to assets | 6.2494% | 8,006 |
| Core capital (leverage) ratio | 5.9534% | 8,092 |
| Tier 1 risk-based capital ratio | 11.3438% | 5,396 |
| Total risk-based capital ratio | 11.9100% | 5,943 |
| Memoranda: | ||
| Average total assets | $173,035,200 | 3,503 |
| Average earning assets | $162,052,000 | 3,436 |
| Average equity | $10,384,000 | 5,294 |
| Average total loans | $69,007,000 | 4,906 |