Home > The Perryton National Bank > Performance and Condition Ratios
The Perryton National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 2,678 |
| Cost of funding earning assets | 2.0662% | 1,742 |
| Net interest margin | 3.1550% | 3,106 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 1.6630% | 4,075 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.7115% | 737 |
| Return on assets (ROA) | 1.7115% | 737 |
| Pretax return on assets | 1.7115% | 1,096 |
| Return on Equity (ROE) | 12.9400% | 1,503 |
| Retained earnings to average equity (ytd only) | 9.7520% | 1,239 |
| Net charge-offs to loans | 0.1388% | 691 |
| Credit loss provision to net charge-offs | 62.5000% | 1,489 |
| Earnings coverage of net charge-offs (x) | 26.1875% | 1,311 |
| Efficiency ratio | 48.4942% | 3,983 |
| Assets per employee ($millions) | 10.7625% | 628 |
| Cash dividends to net income (ytd only)* | 24.6305% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0754% | 351 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 47.6600% | 3,684 |
| Net loans and leases to deposits | 55.4629% | 3,676 |
| Net loans and leases to core deposits | 81.0752% | 2,626 |
| Total domestic deposits to total assets | 85.9400% | 2,320 |
| Equity capital to assets | 13.3819% | 834 |
| Core capital (leverage) ratio | 16.7218% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $189,776,500 | 3,085 |
| Average earning assets | $183,330,000 | 3,027 |
| Average equity | $25,102,500 | 2,680 |
| Average total loans | $92,248,000 | 3,291 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2121% | 2,710 |
| Cost of funding earning assets | 2.3211% | 1,496 |
| Net interest margin | 2.8910% | 3,333 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 1.7257% | 4,053 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.4739% | 947 |
| Return on assets (ROA) | 1.3998% | 1,070 |
| Pretax return on assets | 1.3998% | 1,516 |
| Return on Equity (ROE) | 11.0800% | 1,864 |
| Retained earnings to average equity (ytd only) | 5.5766% | 1,999 |
| Net charge-offs to loans | 0.0468% | 1,687 |
| Credit loss provision to net charge-offs | 133.3333% | 1,523 |
| Earnings coverage of net charge-offs (x) | 72.6410% | 990 |
| Efficiency ratio | 53.5193% | 3,765 |
| Assets per employee ($millions) | 8.8490% | 1,117 |
| Cash dividends to net income (ytd only)* | 49.6599% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1818% | 291 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 47.4800% | 3,754 |
| Net loans and leases to deposits | 54.9311% | 3,756 |
| Net loans and leases to core deposits | 79.3953% | 2,817 |
| Total domestic deposits to total assets | 86.4400% | 2,068 |
| Equity capital to assets | 13.0664% | 875 |
| Core capital (leverage) ratio | 16.8127% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $189,021,000 | 3,058 |
| Average earning assets | $182,152,800 | 3,014 |
| Average equity | $23,885,600 | 2,705 |
| Average total loans | $83,410,000 | 3,382 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1665% | 2,740 |
| Cost of funding earning assets | 2.3678% | 1,409 |
| Net interest margin | 2.7987% | 3,454 |
| Noninterest income to average assets | 0.4100% | 2,365 |
| Noninterest expense to average assets | 1.7328% | 4,031 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.3627% | 1,183 |
| Return on assets (ROA) | 1.3458% | 1,217 |
| Pretax return on assets | 1.3458% | 1,649 |
| Return on Equity (ROE) | 10.7400% | 1,984 |
| Retained earnings to average equity (ytd only) | 7.3765% | 1,604 |
| Net charge-offs to loans | 0.0555% | 1,349 |
| Credit loss provision to net charge-offs | 73.5294% | 1,902 |
| Earnings coverage of net charge-offs (x) | 57.6765% | 1,122 |
| Efficiency ratio | 55.7136% | 3,571 |
| Assets per employee ($millions) | 9.3100% | 958 |
| Cash dividends to net income (ytd only)* | 31.3152% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2817% | 271 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 44.7600% | 3,871 |
| Net loans and leases to deposits | 53.8018% | 3,826 |
| Net loans and leases to core deposits | 76.2119% | 3,053 |
| Total domestic deposits to total assets | 83.1900% | 2,792 |
| Equity capital to assets | 14.1864% | 703 |
| Core capital (leverage) ratio | 16.5242% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $189,819,250 | 3,056 |
| Average earning assets | $182,892,500 | 3,012 |
| Average equity | $23,786,750 | 2,698 |
| Average total loans | $81,712,500 | 3,411 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 2,777 |
| Cost of funding earning assets | 2.3680% | 1,316 |
| Net interest margin | 2.7243% | 3,545 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 1.7108% | 4,068 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.2836% | 1,294 |
| Return on assets (ROA) | 1.2019% | 1,464 |
| Pretax return on assets | 1.2019% | 1,925 |
| Return on Equity (ROE) | 10.0200% | 2,179 |
| Retained earnings to average equity (ytd only) | 6.5297% | 1,811 |
| Net charge-offs to loans | 0.0695% | 1,083 |
| Credit loss provision to net charge-offs | 89.2857% | 1,587 |
| Earnings coverage of net charge-offs (x) | 44.6786% | 1,191 |
| Efficiency ratio | 56.6378% | 3,524 |
| Assets per employee ($millions) | 10.0223% | 723 |
| Cash dividends to net income (ytd only)* | 34.8432% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3328% | 273 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 42.9200% | 3,945 |
| Net loans and leases to deposits | 51.0973% | 3,925 |
| Net loans and leases to core deposits | 71.9287% | 3,277 |
| Total domestic deposits to total assets | 83.9900% | 2,618 |
| Equity capital to assets | 12.1718% | 1,109 |
| Core capital (leverage) ratio | 16.0656% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $191,026,000 | 3,052 |
| Average earning assets | $183,530,667 | 3,011 |
| Average equity | $22,910,667 | 2,722 |
| Average total loans | $80,521,333 | 3,427 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14,505.0000% | 39 |
| Cost of funding earning assets | 25.0000% | 23 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 1.2899% | 1,264 |
| Pretax return on assets | 1.2899% | 1,665 |
| Return on Equity (ROE) | 10.8400% | 1,893 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0042% | 1,989 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 3.6935% | 4,548 |
| Assets per employee ($millions) | 0.2862% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0241% | 3,611 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 743.0000% | 39 |
| Total domestic deposits to total assets | 116.0000% | 18 |
| Equity capital to assets | 46,930.0000% | 17 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,852,000 | 4,566 |
| Average earning assets | $4,531 | 4,561 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 2,800 |
| Cost of funding earning assets | 1.7131% | 1,163 |
| Net interest margin | 2.8360% | 3,666 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.7376% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3882% | 1,347 |
| Return on assets (ROA) | 1.3911% | 1,326 |
| Pretax return on assets | 1.3911% | 1,800 |
| Return on Equity (ROE) | 12.5400% | 1,995 |
| Retained earnings to average equity (ytd only) | 8.5778% | 1,800 |
| Net charge-offs to loans | 0.0018% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,895.0000% | 73 |
| Efficiency ratio | 55.5894% | 3,434 |
| Assets per employee ($millions) | 8.6982% | 1,045 |
| Cash dividends to net income (ytd only)* | 31.5956% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6588% | 163 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 39.9900% | 4,057 |
| Net loans and leases to deposits | 45.2071% | 4,075 |
| Net loans and leases to core deposits | 59.9193% | 3,713 |
| Total domestic deposits to total assets | 88.4500% | 1,427 |
| Equity capital to assets | 10.6464% | 1,487 |
| Core capital (leverage) ratio | 16.2680% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $182,006,500 | 3,116 |
| Average earning assets | $172,396,250 | 3,079 |
| Average equity | $20,191,250 | 2,830 |
| Average total loans | $73,041,250 | 3,515 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 2,633 |
| Cost of funding earning assets | 1.6545% | 958 |
| Net interest margin | 2.8515% | 3,729 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.7361% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3928% | 1,355 |
| Return on assets (ROA) | 1.3928% | 1,330 |
| Pretax return on assets | 1.3928% | 1,831 |
| Return on Equity (ROE) | 12.3900% | 2,043 |
| Retained earnings to average equity (ytd only) | 8.4739% | 1,825 |
| Net charge-offs to loans | 0.0028% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,266.0000% | 116 |
| Efficiency ratio | 55.4852% | 3,477 |
| Assets per employee ($millions) | 9.0530% | 897 |
| Cash dividends to net income (ytd only)* | 31.5956% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7791% | 159 |
| Loan loss allowance to noncurrent loans | 39,900.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,866 |
| Noncurrent loans to loans | 0.0070% | 3,755 |
| Net loans and leases to total assets | 38.5500% | 4,090 |
| Net loans and leases to deposits | 43.8571% | 4,105 |
| Net loans and leases to core deposits | 59.0502% | 3,676 |
| Total domestic deposits to total assets | 87.8900% | 1,647 |
| Equity capital to assets | 11.4272% | 1,220 |
| Core capital (leverage) ratio | 16.2137% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $181,787,667 | 3,125 |
| Average earning assets | $171,769,667 | 3,090 |
| Average equity | $20,439,333 | 2,825 |
| Average total loans | $72,377,333 | 3,525 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 2,228 |
| Cost of funding earning assets | 1.5615% | 746 |
| Net interest margin | 2.9761% | 3,647 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.7041% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5218% | 1,138 |
| Return on assets (ROA) | 1.5218% | 1,120 |
| Pretax return on assets | 1.5218% | 1,622 |
| Return on Equity (ROE) | 13.6500% | 1,845 |
| Retained earnings to average equity (ytd only) | 9.7076% | 1,766 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.8251% | 3,720 |
| Assets per employee ($millions) | 9.9308% | 716 |
| Cash dividends to net income (ytd only)* | 28.8600% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7702% | 164 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 37.1300% | 4,150 |
| Net loans and leases to deposits | 41.8934% | 4,168 |
| Net loans and leases to core deposits | 55.9181% | 3,749 |
| Total domestic deposits to total assets | 88.6300% | 1,692 |
| Equity capital to assets | 10.9701% | 1,353 |
| Core capital (leverage) ratio | 16.1591% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $182,151,500 | 3,162 |
| Average earning assets | $171,632,500 | 3,133 |
| Average equity | $20,314,000 | 2,861 |
| Average total loans | $72,672,500 | 3,561 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2586% | 3,690 |
| Cost of funding earning assets | 0.4057% | 2,051 |
| Net interest margin | 2.8530% | 3,787 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.7078% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4209% | 1,073 |
| Return on assets (ROA) | 1.3860% | 1,120 |
| Pretax return on assets | 1.3860% | 1,805 |
| Return on Equity (ROE) | 10.9900% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.3517% | 2,895 |
| Net charge-offs to loans | 0.0199% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 190.8462% | 670 |
| Efficiency ratio | 54.5854% | 3,740 |
| Assets per employee ($millions) | 8.7809% | 982 |
| Cash dividends to net income (ytd only)* | 51.3223% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7234% | 168 |
| Loan loss allowance to noncurrent loans | 6,237.5000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,665 |
| Noncurrent loans to loans | 0.0437% | 3,450 |
| Net loans and leases to total assets | 40.6000% | 4,048 |
| Net loans and leases to deposits | 45.8687% | 4,061 |
| Net loans and leases to core deposits | 60.2320% | 3,493 |
| Total domestic deposits to total assets | 88.5100% | 1,877 |
| Equity capital to assets | 11.3479% | 1,130 |
| Core capital (leverage) ratio | 16.8277% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $174,605,600 | 3,237 |
| Average earning assets | $164,180,400 | 3,209 |
| Average equity | $22,011,600 | 2,771 |
| Average total loans | $65,313,600 | 3,654 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8627% | 3,870 |
| Cost of funding earning assets | 0.1279% | 3,868 |
| Net interest margin | 2.7348% | 3,629 |
| Noninterest income to average assets | 0.4406% | 2,504 |
| Noninterest expense to average assets | 1.6986% | 4,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3059% | 1,121 |
| Return on assets (ROA) | 1.3059% | 1,100 |
| Pretax return on assets | 1.3059% | 1,727 |
| Return on Equity (ROE) | 9.5771% | 2,496 |
| Retained earnings to average equity (ytd only) | 6.2285% | 2,267 |
| Net charge-offs to loans | 0.0065% | 1,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 572.0000% | 228 |
| Efficiency ratio | 56.5350% | 3,721 |
| Assets per employee ($millions) | 8.6775% | 993 |
| Cash dividends to net income (ytd only)* | 34.9650% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0917% | 137 |
| Loan loss allowance to noncurrent loans | 323.1884% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 1,564 |
| Noncurrent loans to loans | 0.9566% | 872 |
| Net loans and leases to total assets | 36.2483% | 4,237 |
| Net loans and leases to deposits | 40.9292% | 4,237 |
| Net loans and leases to core deposits | 44.6046% | 4,175 |
| Total domestic deposits to total assets | 88.5635% | 2,351 |
| Equity capital to assets | 11.3477% | 1,080 |
| Core capital (leverage) ratio | 15.6987% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,198,667 | 3,286 |
| Average earning assets | $164,251,333 | 3,277 |
| Average equity | $23,890,333 | 2,753 |
| Average total loans | $61,520,667 | 3,764 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7153% | 3,916 |
| Cost of funding earning assets | 0.1148% | 3,950 |
| Net interest margin | 2.6006% | 3,659 |
| Noninterest income to average assets | 0.4249% | 2,527 |
| Noninterest expense to average assets | 1.6407% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2044% | 1,238 |
| Return on assets (ROA) | 1.2044% | 1,228 |
| Pretax return on assets | 1.2044% | 1,795 |
| Return on Equity (ROE) | 8.1575% | 2,623 |
| Retained earnings to average equity (ytd only) | 5.0792% | 2,562 |
| Net charge-offs to loans | 0.0067% | 1,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 530.0000% | 197 |
| Efficiency ratio | 57.6677% | 3,715 |
| Assets per employee ($millions) | 9.1618% | 864 |
| Cash dividends to net income (ytd only)* | 37.7358% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4868% | 105 |
| Loan loss allowance to noncurrent loans | 303.3233% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 1,666 |
| Noncurrent loans to loans | 1.1495% | 772 |
| Net loans and leases to total assets | 30.3332% | 4,438 |
| Net loans and leases to deposits | 34.9612% | 4,423 |
| Net loans and leases to core deposits | 38.3799% | 4,360 |
| Total domestic deposits to total assets | 86.7624% | 3,010 |
| Equity capital to assets | 13.1798% | 656 |
| Core capital (leverage) ratio | 15.1735% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,023,000 | 3,293 |
| Average earning assets | $163,811,500 | 3,289 |
| Average equity | $25,988,500 | 2,718 |
| Average total loans | $59,823,000 | 3,794 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0330% | 3,812 |
| Cost of funding earning assets | 0.1170% | 4,257 |
| Net interest margin | 2.9160% | 3,407 |
| Noninterest income to average assets | 0.4604% | 2,763 |
| Noninterest expense to average assets | 1.7052% | 4,288 |
| Loan and lease loss provision to assets | 0.0465% | 2,132 |
| Net operating income to assets | 1.4306% | 1,180 |
| Return on assets (ROA) | 1.4330% | 1,251 |
| Pretax return on assets | 1.4330% | 1,935 |
| Return on Equity (ROE) | 8.3922% | 3,106 |
| Retained earnings to average equity (ytd only) | 4.2544% | 3,109 |
| Net charge-offs to loans | 0.0323% | 1,592 |
| Credit loss provision to net charge-offs | 405.2632% | 902 |
| Earnings coverage of net charge-offs (x) | 128.8421% | 741 |
| Efficiency ratio | 53.5836% | 3,974 |
| Assets per employee ($millions) | 8.4406% | 1,104 |
| Cash dividends to net income (ytd only)* | 49.3053% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2373% | 118 |
| Loan loss allowance to noncurrent loans | 281.7672% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 1,554 |
| Noncurrent loans to loans | 1.1489% | 840 |
| Net loans and leases to total assets | 35.5711% | 4,308 |
| Net loans and leases to deposits | 42.6072% | 4,244 |
| Net loans and leases to core deposits | 47.4601% | 4,121 |
| Total domestic deposits to total assets | 83.4863% | 3,697 |
| Equity capital to assets | 16.4841% | 333 |
| Core capital (leverage) ratio | 16.5601% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,731,800 | 3,339 |
| Average earning assets | $154,696,600 | 3,329 |
| Average equity | $28,300,000 | 2,629 |
| Average total loans | $58,909,400 | 3,834 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1187% | 3,771 |
| Cost of funding earning assets | 0.1197% | 4,354 |
| Net interest margin | 2.9989% | 3,305 |
| Noninterest income to average assets | 0.4575% | 2,807 |
| Noninterest expense to average assets | 1.6723% | 4,370 |
| Loan and lease loss provision to assets | 0.0624% | 1,752 |
| Net operating income to assets | 1.5365% | 1,178 |
| Return on assets (ROA) | 1.5365% | 1,226 |
| Pretax return on assets | 1.5365% | 1,887 |
| Return on Equity (ROE) | 8.9189% | 3,129 |
| Retained earnings to average equity (ytd only) | 6.1039% | 2,779 |
| Net charge-offs to loans | 0.0436% | 1,236 |
| Credit loss provision to net charge-offs | 405.2632% | 848 |
| Earnings coverage of net charge-offs (x) | 104.1053% | 854 |
| Efficiency ratio | 51.1243% | 4,114 |
| Assets per employee ($millions) | 8.5669% | 1,029 |
| Cash dividends to net income (ytd only)* | 31.5623% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4962% | 106 |
| Loan loss allowance to noncurrent loans | 262.9581% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 1,616 |
| Noncurrent loans to loans | 1.3296% | 807 |
| Net loans and leases to total assets | 34.0687% | 4,464 |
| Net loans and leases to deposits | 41.4340% | 4,399 |
| Net loans and leases to core deposits | 46.1597% | 4,315 |
| Total domestic deposits to total assets | 82.2241% | 3,880 |
| Equity capital to assets | 17.6794% | 289 |
| Core capital (leverage) ratio | 16.7062% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,962,000 | 3,381 |
| Average earning assets | $154,763,750 | 3,358 |
| Average equity | $28,418,250 | 2,650 |
| Average total loans | $58,122,500 | 3,903 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2698% | 3,509 |
| Cost of funding earning assets | 0.1227% | 4,418 |
| Net interest margin | 3.1470% | 2,897 |
| Noninterest income to average assets | 0.4333% | 2,941 |
| Noninterest expense to average assets | 1.6766% | 4,394 |
| Loan and lease loss provision to assets | 0.0929% | 1,345 |
| Net operating income to assets | 1.6042% | 1,041 |
| Return on assets (ROA) | 1.6018% | 1,102 |
| Pretax return on assets | 1.6018% | 1,731 |
| Return on Equity (ROE) | 9.3785% | 2,983 |
| Retained earnings to average equity (ytd only) | 6.5515% | 2,601 |
| Net charge-offs to loans | 0.0480% | 1,148 |
| Credit loss provision to net charge-offs | 550.0000% | 652 |
| Earnings coverage of net charge-offs (x) | 100.4286% | 749 |
| Efficiency ratio | 49.6959% | 4,255 |
| Assets per employee ($millions) | 7.7605% | 1,322 |
| Cash dividends to net income (ytd only)* | 30.1432% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4226% | 105 |
| Loan loss allowance to noncurrent loans | 234.1860% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 1,574 |
| Noncurrent loans to loans | 1.4615% | 781 |
| Net loans and leases to total assets | 34.8712% | 4,504 |
| Net loans and leases to deposits | 42.2374% | 4,453 |
| Net loans and leases to core deposits | 47.2693% | 4,356 |
| Total domestic deposits to total assets | 82.5601% | 3,802 |
| Equity capital to assets | 17.3651% | 307 |
| Core capital (leverage) ratio | 16.0667% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,692,333 | 3,379 |
| Average earning assets | $154,812,333 | 3,365 |
| Average equity | $28,298,667 | 2,651 |
| Average total loans | $58,342,333 | 3,922 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 2,959 |
| Cost of funding earning assets | 0.1287% | 4,467 |
| Net interest margin | 3.3611% | 2,215 |
| Noninterest income to average assets | 0.4358% | 2,894 |
| Noninterest expense to average assets | 1.6258% | 4,496 |
| Loan and lease loss provision to assets | 0.1437% | 924 |
| Net operating income to assets | 1.7934% | 797 |
| Return on assets (ROA) | 1.7934% | 850 |
| Pretax return on assets | 1.7934% | 1,299 |
| Return on Equity (ROE) | 10.5873% | 2,500 |
| Retained earnings to average equity (ytd only) | 7.7603% | 2,327 |
| Net charge-offs to loans | 0.0138% | 1,470 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 404.5000% | 228 |
| Efficiency ratio | 45.6317% | 4,487 |
| Assets per employee ($millions) | 8.5387% | 974 |
| Cash dividends to net income (ytd only)* | 26.7023% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5079% | 96 |
| Loan loss allowance to noncurrent loans | 227.7778% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 1,835 |
| Noncurrent loans to loans | 1.5400% | 806 |
| Net loans and leases to total assets | 32.3597% | 4,616 |
| Net loans and leases to deposits | 38.7877% | 4,603 |
| Net loans and leases to core deposits | 43.1566% | 4,523 |
| Total domestic deposits to total assets | 83.4278% | 3,585 |
| Equity capital to assets | 16.5172% | 349 |
| Core capital (leverage) ratio | 15.7584% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,053,000 | 3,367 |
| Average earning assets | $155,424,500 | 3,359 |
| Average equity | $28,298,000 | 2,648 |
| Average total loans | $58,091,500 | 3,941 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2237% | 4,424 |
| Cost of funding earning assets | 0.2679% | 4,302 |
| Net interest margin | 2.9558% | 3,996 |
| Noninterest income to average assets | 0.3608% | 3,307 |
| Noninterest expense to average assets | 1.6518% | 4,665 |
| Loan and lease loss provision to assets | 0.4186% | 719 |
| Net operating income to assets | 1.0700% | 2,028 |
| Return on assets (ROA) | 1.1048% | 2,027 |
| Pretax return on assets | 1.1048% | 2,674 |
| Return on Equity (ROE) | 7.2178% | 3,112 |
| Retained earnings to average equity (ytd only) | 4.1826% | 2,724 |
| Net charge-offs to loans | 0.0185% | 2,708 |
| Credit loss provision to net charge-offs | 6,781.8182% | 161 |
| Earnings coverage of net charge-offs (x) | 241.1818% | 415 |
| Efficiency ratio | 52.5996% | 4,340 |
| Assets per employee ($millions) | 8.1666% | 981 |
| Cash dividends to net income (ytd only)* | 42.0518% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3117% | 109 |
| Loan loss allowance to noncurrent loans | 195.4910% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 1,727 |
| Noncurrent loans to loans | 1.6941% | 757 |
| Net loans and leases to total assets | 34.8744% | 4,619 |
| Net loans and leases to deposits | 42.2381% | 4,591 |
| Net loans and leases to core deposits | 47.0204% | 4,516 |
| Total domestic deposits to total assets | 82.5662% | 3,523 |
| Equity capital to assets | 17.3812% | 309 |
| Core capital (leverage) ratio | 14.8156% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,226,200 | 3,118 |
| Average earning assets | $167,604,200 | 3,093 |
| Average equity | $27,279,600 | 2,656 |
| Average total loans | $59,344,000 | 3,934 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2913% | 4,480 |
| Cost of funding earning assets | 0.3173% | 4,232 |
| Net interest margin | 2.9740% | 4,036 |
| Noninterest income to average assets | 0.3459% | 3,398 |
| Noninterest expense to average assets | 1.6209% | 4,715 |
| Loan and lease loss provision to assets | 0.4990% | 587 |
| Net operating income to assets | 1.0215% | 2,252 |
| Return on assets (ROA) | 1.0384% | 2,318 |
| Pretax return on assets | 1.0384% | 2,942 |
| Return on Equity (ROE) | 6.9968% | 3,202 |
| Retained earnings to average equity (ytd only) | 5.1649% | 2,492 |
| Net charge-offs to loans | 0.0224% | 2,402 |
| Credit loss provision to net charge-offs | 6,810.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 207.5000% | 484 |
| Efficiency ratio | 51.5979% | 4,373 |
| Assets per employee ($millions) | 8.4798% | 850 |
| Cash dividends to net income (ytd only)* | 26.1821% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0549% | 128 |
| Loan loss allowance to noncurrent loans | 188.5115% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 2,040 |
| Noncurrent loans to loans | 1.6206% | 868 |
| Net loans and leases to total assets | 33.6272% | 4,749 |
| Net loans and leases to deposits | 40.0945% | 4,747 |
| Net loans and leases to core deposits | 43.9804% | 4,713 |
| Total domestic deposits to total assets | 83.8698% | 2,861 |
| Equity capital to assets | 15.9864% | 467 |
| Core capital (leverage) ratio | 14.4510% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,949,750 | 3,075 |
| Average earning assets | $171,034,500 | 3,048 |
| Average equity | $27,002,250 | 2,668 |
| Average total loans | $59,452,000 | 3,951 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3935% | 4,543 |
| Cost of funding earning assets | 0.3552% | 4,247 |
| Net interest margin | 3.0383% | 4,040 |
| Noninterest income to average assets | 0.3427% | 3,419 |
| Noninterest expense to average assets | 1.5913% | 4,782 |
| Loan and lease loss provision to assets | 0.6330% | 482 |
| Net operating income to assets | 0.9845% | 2,384 |
| Return on assets (ROA) | 1.0096% | 2,413 |
| Pretax return on assets | 1.0096% | 2,992 |
| Return on Equity (ROE) | 6.9775% | 3,139 |
| Retained earnings to average equity (ytd only) | 4.8202% | 2,559 |
| Net charge-offs to loans | 0.0579% | 1,677 |
| Credit loss provision to net charge-offs | 3,411.7647% | 321 |
| Earnings coverage of net charge-offs (x) | 87.1765% | 763 |
| Efficiency ratio | 49.5918% | 4,522 |
| Assets per employee ($millions) | 8.7177% | 748 |
| Cash dividends to net income (ytd only)* | 30.9189% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8622% | 156 |
| Loan loss allowance to noncurrent loans | 172.3837% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,113 |
| Noncurrent loans to loans | 1.6604% | 878 |
| Net loans and leases to total assets | 32.9788% | 4,803 |
| Net loans and leases to deposits | 38.9936% | 4,813 |
| Net loans and leases to core deposits | 42.9422% | 4,776 |
| Total domestic deposits to total assets | 84.5749% | 2,537 |
| Equity capital to assets | 15.2836% | 573 |
| Core capital (leverage) ratio | 14.0258% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,241,000 | 3,047 |
| Average earning assets | $172,861,333 | 3,025 |
| Average equity | $26,513,667 | 2,683 |
| Average total loans | $58,679,667 | 3,966 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 4,800 |
| Cost of funding earning assets | 0.3986% | 4,363 |
| Net interest margin | 2.9140% | 4,415 |
| Noninterest income to average assets | 0.3469% | 3,439 |
| Noninterest expense to average assets | 1.5906% | 4,862 |
| Loan and lease loss provision to assets | 0.6982% | 379 |
| Net operating income to assets | 0.7855% | 2,954 |
| Return on assets (ROA) | 0.8204% | 2,921 |
| Pretax return on assets | 0.8204% | 3,357 |
| Return on Equity (ROE) | 5.8339% | 3,377 |
| Retained earnings to average equity (ytd only) | 2.7307% | 3,183 |
| Net charge-offs to loans | 0.0421% | 1,613 |
| Credit loss provision to net charge-offs | 5,333.3333% | 147 |
| Earnings coverage of net charge-offs (x) | 113.3333% | 527 |
| Efficiency ratio | 51.7388% | 4,562 |
| Assets per employee ($millions) | 8.7730% | 571 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6875% | 197 |
| Loan loss allowance to noncurrent loans | 149.1228% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 2,325 |
| Noncurrent loans to loans | 1.8022% | 836 |
| Net loans and leases to total assets | 30.0713% | 4,908 |
| Net loans and leases to deposits | 35.0335% | 4,919 |
| Net loans and leases to core deposits | 39.5281% | 4,881 |
| Total domestic deposits to total assets | 85.8358% | 2,067 |
| Equity capital to assets | 14.0285% | 1,043 |
| Core capital (leverage) ratio | 13.5608% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,325,500 | 3,020 |
| Average earning assets | $171,588,000 | 3,003 |
| Average equity | $25,780,500 | 2,722 |
| Average total loans | $56,942,500 | 4,012 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 4,810 |
| Cost of funding earning assets | 0.4195% | 4,377 |
| Net interest margin | 3.1429% | 4,299 |
| Noninterest income to average assets | 0.4076% | 3,248 |
| Noninterest expense to average assets | 1.6345% | 4,926 |
| Loan and lease loss provision to assets | 0.0713% | 2,574 |
| Net operating income to assets | 1.6339% | 766 |
| Return on assets (ROA) | 1.6564% | 781 |
| Pretax return on assets | 1.6564% | 1,319 |
| Return on Equity (ROE) | 12.2062% | 1,432 |
| Retained earnings to average equity (ytd only) | 7.1996% | 1,310 |
| Net charge-offs to loans | 0.0140% | 3,199 |
| Credit loss provision to net charge-offs | 1,587.5000% | 228 |
| Earnings coverage of net charge-offs (x) | 379.6250% | 237 |
| Efficiency ratio | 48.9408% | 4,788 |
| Assets per employee ($millions) | 9.1210% | 483 |
| Cash dividends to net income (ytd only)* | 41.0169% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1351% | 373 |
| Loan loss allowance to noncurrent loans | 114.1784% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5838% | 2,145 |
| Noncurrent loans to loans | 1.8699% | 710 |
| Net loans and leases to total assets | 30.5549% | 4,960 |
| Net loans and leases to deposits | 35.6085% | 4,980 |
| Net loans and leases to core deposits | 39.2831% | 4,956 |
| Total domestic deposits to total assets | 85.8079% | 2,137 |
| Equity capital to assets | 14.0972% | 1,064 |
| Core capital (leverage) ratio | 13.9932% | 931 |
| Tier 1 risk-based capital ratio | 32.5729% | 397 |
| Total risk-based capital ratio | 33.8268% | 388 |
| Memoranda: | ||
| Average total assets | $178,102,400 | 3,039 |
| Average earning assets | $166,151,200 | 3,029 |
| Average equity | $24,168,000 | 2,779 |
| Average total loans | $57,027,800 | 4,028 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 4,883 |
| Cost of funding earning assets | 0.4376% | 4,374 |
| Net interest margin | 3.1630% | 4,375 |
| Noninterest income to average assets | 0.4097% | 3,257 |
| Noninterest expense to average assets | 1.6630% | 4,953 |
| Loan and lease loss provision to assets | 0.0580% | 2,739 |
| Net operating income to assets | 1.6449% | 835 |
| Return on assets (ROA) | 1.6585% | 856 |
| Pretax return on assets | 1.6585% | 1,444 |
| Return on Equity (ROE) | 12.3457% | 1,501 |
| Retained earnings to average equity (ytd only) | 8.1239% | 1,341 |
| Net charge-offs to loans | 0.0140% | 2,879 |
| Credit loss provision to net charge-offs | 1,283.3333% | 284 |
| Earnings coverage of net charge-offs (x) | 376.8238% | 264 |
| Efficiency ratio | 49.4070% | 4,781 |
| Assets per employee ($millions) | 8.2882% | 627 |
| Cash dividends to net income (ytd only)* | 34.1960% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0213% | 445 |
| Loan loss allowance to noncurrent loans | 90.6129% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 1,859 |
| Noncurrent loans to loans | 2.2306% | 558 |
| Net loans and leases to total assets | 32.5294% | 5,011 |
| Net loans and leases to deposits | 38.1662% | 5,031 |
| Net loans and leases to core deposits | 41.1555% | 5,011 |
| Total domestic deposits to total assets | 85.2309% | 2,330 |
| Equity capital to assets | 14.6008% | 954 |
| Core capital (leverage) ratio | 14.0416% | 974 |
| Tier 1 risk-based capital ratio | 32.4432% | 411 |
| Total risk-based capital ratio | 33.6964% | 405 |
| Memoranda: | ||
| Average total assets | $177,023,250 | 3,081 |
| Average earning assets | $165,449,500 | 3,060 |
| Average equity | $23,781,000 | 2,827 |
| Average total loans | $57,046,250 | 4,078 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 4,950 |
| Cost of funding earning assets | 0.4654% | 4,257 |
| Net interest margin | 3.1141% | 4,508 |
| Noninterest income to average assets | 0.4045% | 3,251 |
| Noninterest expense to average assets | 1.6190% | 5,044 |
| Loan and lease loss provision to assets | 0.0112% | 3,532 |
| Net operating income to assets | 1.6684% | 772 |
| Return on assets (ROA) | 1.6695% | 801 |
| Pretax return on assets | 1.6695% | 1,337 |
| Return on Equity (ROE) | 12.7899% | 1,306 |
| Retained earnings to average equity (ytd only) | 8.0303% | 1,380 |
| Net charge-offs to loans | 0.0176% | 2,523 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 299.0000% | 264 |
| Efficiency ratio | 49.0804% | 4,832 |
| Assets per employee ($millions) | 8.5404% | 548 |
| Cash dividends to net income (ytd only)* | 37.2140% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 513 |
| Loan loss allowance to noncurrent loans | 87.7389% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 1,956 |
| Noncurrent loans to loans | 2.2223% | 602 |
| Net loans and leases to total assets | 30.8991% | 5,086 |
| Net loans and leases to deposits | 35.9153% | 5,112 |
| Net loans and leases to core deposits | 38.4792% | 5,101 |
| Total domestic deposits to total assets | 86.0333% | 2,021 |
| Equity capital to assets | 13.8033% | 1,197 |
| Core capital (leverage) ratio | 13.3773% | 1,159 |
| Tier 1 risk-based capital ratio | 31.8598% | 423 |
| Total risk-based capital ratio | 33.1127% | 416 |
| Memoranda: | ||
| Average total assets | $178,013,670 | 3,078 |
| Average earning assets | $165,438,670 | 3,078 |
| Average equity | $23,237,000 | 2,861 |
| Average total loans | $56,799,670 | 4,108 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5985% | 4,969 |
| Cost of funding earning assets | 0.4905% | 4,106 |
| Net interest margin | 3.1080% | 4,584 |
| Noninterest income to average assets | 0.3925% | 3,232 |
| Noninterest expense to average assets | 1.5946% | 5,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6420% | 822 |
| Return on assets (ROA) | 1.6420% | 849 |
| Pretax return on assets | 1.6420% | 1,365 |
| Return on Equity (ROE) | 12.9552% | 1,232 |
| Retained earnings to average equity (ytd only) | 6.6733% | 2,166 |
| Net charge-offs to loans | 0.0140% | 2,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 218 |
| Efficiency ratio | 49.2683% | 4,875 |
| Assets per employee ($millions) | 8.6795% | 533 |
| Cash dividends to net income (ytd only)* | 48.4890% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 531 |
| Loan loss allowance to noncurrent loans | 86.0173% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 2,008 |
| Noncurrent loans to loans | 2.2929% | 600 |
| Net loans and leases to total assets | 29.8595% | 5,150 |
| Net loans and leases to deposits | 34.2324% | 5,169 |
| Net loans and leases to core deposits | 37.8285% | 5,145 |
| Total domestic deposits to total assets | 87.2261% | 1,700 |
| Equity capital to assets | 12.6395% | 1,663 |
| Core capital (leverage) ratio | 13.1082% | 1,218 |
| Tier 1 risk-based capital ratio | 31.1004% | 437 |
| Total risk-based capital ratio | 32.3523% | 431 |
| Memoranda: | ||
| Average total assets | $177,346,500 | 3,114 |
| Average earning assets | $162,292,000 | 3,145 |
| Average equity | $22,477,500 | 2,927 |
| Average total loans | $56,940,000 | 4,147 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3958% | 5,011 |
| Cost of funding earning assets | 0.3758% | 4,124 |
| Net interest margin | 3.0201% | 4,779 |
| Noninterest income to average assets | 0.3967% | 3,462 |
| Noninterest expense to average assets | 1.6335% | 5,145 |
| Loan and lease loss provision to assets | 0.0115% | 3,904 |
| Net operating income to assets | 1.5544% | 982 |
| Return on assets (ROA) | 1.5544% | 978 |
| Pretax return on assets | 1.5544% | 1,607 |
| Return on Equity (ROE) | 12.7969% | 1,426 |
| Retained earnings to average equity (ytd only) | 7.7485% | 1,351 |
| Net charge-offs to loans | -0.0104% | 4,500 |
| Credit loss provision to net charge-offs | -333.3333% | 4,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0558% | 4,869 |
| Assets per employee ($millions) | 8.2106% | 616 |
| Cash dividends to net income (ytd only)* | 39.4502% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 593 |
| Loan loss allowance to noncurrent loans | 83.4855% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 1,836 |
| Noncurrent loans to loans | 2.2515% | 572 |
| Net loans and leases to total assets | 33.2108% | 5,141 |
| Net loans and leases to deposits | 38.0834% | 5,150 |
| Net loans and leases to core deposits | 42.0785% | 5,124 |
| Total domestic deposits to total assets | 87.2053% | 1,681 |
| Equity capital to assets | 12.7112% | 1,480 |
| Core capital (leverage) ratio | 13.4874% | 1,080 |
| Tier 1 risk-based capital ratio | 30.1698% | 467 |
| Total risk-based capital ratio | 31.4219% | 457 |
| Memoranda: | ||
| Average total assets | $173,191,000 | 3,134 |
| Average earning assets | $160,725,600 | 3,133 |
| Average equity | $21,036,400 | 2,986 |
| Average total loans | $57,877,000 | 4,146 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3194% | 5,108 |
| Cost of funding earning assets | 0.3692% | 4,058 |
| Net interest margin | 2.9502% | 4,917 |
| Noninterest income to average assets | 0.3922% | 3,531 |
| Noninterest expense to average assets | 1.6103% | 5,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5288% | 1,125 |
| Return on assets (ROA) | 1.5288% | 1,127 |
| Pretax return on assets | 1.5288% | 1,810 |
| Return on Equity (ROE) | 12.7333% | 1,526 |
| Retained earnings to average equity (ytd only) | 8.8711% | 1,273 |
| Net charge-offs to loans | -0.0185% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2984% | 4,864 |
| Assets per employee ($millions) | 8.4520% | 541 |
| Cash dividends to net income (ytd only)* | 30.3320% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 737 |
| Loan loss allowance to noncurrent loans | 76.6880% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 1,780 |
| Noncurrent loans to loans | 2.3347% | 579 |
| Net loans and leases to total assets | 35.0124% | 5,171 |
| Net loans and leases to deposits | 40.0608% | 5,203 |
| Net loans and leases to core deposits | 44.1373% | 5,164 |
| Total domestic deposits to total assets | 87.3982% | 1,548 |
| Equity capital to assets | 12.4426% | 1,627 |
| Core capital (leverage) ratio | 13.2467% | 1,191 |
| Tier 1 risk-based capital ratio | 29.6222% | 497 |
| Total risk-based capital ratio | 30.8737% | 490 |
| Memoranda: | ||
| Average total assets | $173,383,000 | 3,156 |
| Average earning assets | $161,429,750 | 3,153 |
| Average equity | $20,816,250 | 3,038 |
| Average total loans | $57,756,250 | 4,190 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2297% | 5,201 |
| Cost of funding earning assets | 0.3649% | 3,980 |
| Net interest margin | 2.8648% | 5,061 |
| Noninterest income to average assets | 0.3867% | 3,575 |
| Noninterest expense to average assets | 1.5935% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4517% | 1,274 |
| Return on assets (ROA) | 1.4517% | 1,275 |
| Pretax return on assets | 1.4517% | 1,979 |
| Return on Equity (ROE) | 12.2349% | 1,647 |
| Retained earnings to average equity (ytd only) | 8.3590% | 1,468 |
| Net charge-offs to loans | -0.0176% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3291% | 4,855 |
| Assets per employee ($millions) | 8.7313% | 486 |
| Cash dividends to net income (ytd only)* | 31.6785% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 592 |
| Loan loss allowance to noncurrent loans | 73.8504% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 1,790 |
| Noncurrent loans to loans | 2.6186% | 476 |
| Net loans and leases to total assets | 31.2464% | 5,302 |
| Net loans and leases to deposits | 35.5140% | 5,329 |
| Net loans and leases to core deposits | 39.1836% | 5,299 |
| Total domestic deposits to total assets | 87.9834% | 1,392 |
| Equity capital to assets | 11.8780% | 1,939 |
| Core capital (leverage) ratio | 12.4197% | 1,479 |
| Tier 1 risk-based capital ratio | 30.0968% | 470 |
| Total risk-based capital ratio | 31.3494% | 464 |
| Memoranda: | ||
| Average total assets | $174,830,670 | 3,153 |
| Average earning assets | $162,243,000 | 3,162 |
| Average equity | $20,744,000 | 3,060 |
| Average total loans | $56,920,330 | 4,247 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1803% | 5,251 |
| Cost of funding earning assets | 0.3553% | 3,947 |
| Net interest margin | 2.8250% | 5,129 |
| Noninterest income to average assets | 0.3681% | 3,676 |
| Noninterest expense to average assets | 1.6052% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3628% | 1,443 |
| Return on assets (ROA) | 1.3628% | 1,457 |
| Pretax return on assets | 1.3628% | 2,137 |
| Return on Equity (ROE) | 11.4919% | 1,774 |
| Retained earnings to average equity (ytd only) | 7.6163% | 1,982 |
| Net charge-offs to loans | -0.0278% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0832% | 4,790 |
| Assets per employee ($millions) | 8.4469% | 536 |
| Cash dividends to net income (ytd only)* | 33.7248% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 653 |
| Loan loss allowance to noncurrent loans | 73.3788% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 1,915 |
| Noncurrent loans to loans | 2.5898% | 512 |
| Net loans and leases to total assets | 31.2835% | 5,339 |
| Net loans and leases to deposits | 35.4165% | 5,370 |
| Net loans and leases to core deposits | 39.8363% | 5,311 |
| Total domestic deposits to total assets | 88.3304% | 1,446 |
| Equity capital to assets | 11.5636% | 2,081 |
| Core capital (leverage) ratio | 12.3476% | 1,457 |
| Tier 1 risk-based capital ratio | 29.1280% | 510 |
| Total risk-based capital ratio | 30.3809% | 507 |
| Memoranda: | ||
| Average total assets | $174,933,500 | 3,192 |
| Average earning assets | $160,992,000 | 3,210 |
| Average equity | $20,745,000 | 3,077 |
| Average total loans | $57,560,500 | 4,264 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0920% | 5,298 |
| Cost of funding earning assets | 0.2028% | 4,928 |
| Net interest margin | 2.8892% | 5,060 |
| Noninterest income to average assets | 0.3812% | 3,759 |
| Noninterest expense to average assets | 1.6162% | 5,403 |
| Loan and lease loss provision to assets | 0.0966% | 2,278 |
| Net operating income to assets | 1.3134% | 1,194 |
| Return on assets (ROA) | 1.3134% | 1,212 |
| Pretax return on assets | 1.3134% | 2,296 |
| Return on Equity (ROE) | 10.7979% | 1,554 |
| Retained earnings to average equity (ytd only) | 6.2390% | 1,416 |
| Net charge-offs to loans | 0.0706% | 2,443 |
| Credit loss provision to net charge-offs | 412.5000% | 738 |
| Earnings coverage of net charge-offs (x) | 60.2000% | 954 |
| Efficiency ratio | 53.4056% | 4,994 |
| Assets per employee ($millions) | 8.2135% | 593 |
| Cash dividends to net income (ytd only)* | 42.2202% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 739 |
| Loan loss allowance to noncurrent loans | 67.9138% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 1,694 |
| Noncurrent loans to loans | 2.6932% | 461 |
| Net loans and leases to total assets | 33.3268% | 5,361 |
| Net loans and leases to deposits | 37.9679% | 5,392 |
| Net loans and leases to core deposits | 42.4950% | 5,334 |
| Total domestic deposits to total assets | 87.7762% | 1,614 |
| Equity capital to assets | 12.1624% | 1,728 |
| Core capital (leverage) ratio | 12.4520% | 1,381 |
| Tier 1 risk-based capital ratio | 28.4668% | 520 |
| Total risk-based capital ratio | 29.7188% | 514 |
| Memoranda: | ||
| Average total assets | $170,773,000 | 3,237 |
| Average earning assets | $156,341,200 | 3,238 |
| Average equity | $20,772,600 | 3,052 |
| Average total loans | $56,692,600 | 4,273 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0572% | 5,374 |
| Cost of funding earning assets | 0.1849% | 5,102 |
| Net interest margin | 2.8723% | 5,126 |
| Noninterest income to average assets | 0.3835% | 3,792 |
| Noninterest expense to average assets | 1.6116% | 5,444 |
| Loan and lease loss provision to assets | 0.1291% | 1,674 |
| Net operating income to assets | 1.2688% | 1,436 |
| Return on assets (ROA) | 1.2688% | 1,467 |
| Pretax return on assets | 1.2688% | 2,625 |
| Return on Equity (ROE) | 10.4303% | 1,940 |
| Retained earnings to average equity (ytd only) | 7.2902% | 1,541 |
| Net charge-offs to loans | 0.0735% | 2,081 |
| Credit loss provision to net charge-offs | 532.2581% | 594 |
| Earnings coverage of net charge-offs (x) | 57.6160% | 1,016 |
| Efficiency ratio | 53.5501% | 4,963 |
| Assets per employee ($millions) | 7.8126% | 680 |
| Cash dividends to net income (ytd only)* | 30.1048% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 812 |
| Loan loss allowance to noncurrent loans | 64.7094% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9710% | 1,745 |
| Noncurrent loans to loans | 2.8210% | 480 |
| Net loans and leases to total assets | 33.7937% | 5,419 |
| Net loans and leases to deposits | 38.6788% | 5,448 |
| Net loans and leases to core deposits | 42.7714% | 5,397 |
| Total domestic deposits to total assets | 87.3701% | 1,685 |
| Equity capital to assets | 12.5234% | 1,648 |
| Core capital (leverage) ratio | 12.9122% | 1,247 |
| Tier 1 risk-based capital ratio | 27.1985% | 612 |
| Total risk-based capital ratio | 28.4506% | 602 |
| Memoranda: | ||
| Average total assets | $170,345,500 | 3,268 |
| Average earning assets | $155,735,750 | 3,280 |
| Average equity | $20,721,250 | 3,080 |
| Average total loans | $56,227,250 | 4,320 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0032% | 5,435 |
| Cost of funding earning assets | 0.1823% | 5,120 |
| Net interest margin | 2.8209% | 5,215 |
| Noninterest income to average assets | 0.3874% | 3,770 |
| Noninterest expense to average assets | 1.5686% | 5,520 |
| Loan and lease loss provision to assets | 0.0883% | 2,215 |
| Net operating income to assets | 1.3178% | 1,262 |
| Return on assets (ROA) | 1.3178% | 1,285 |
| Pretax return on assets | 1.3178% | 2,320 |
| Return on Equity (ROE) | 10.9420% | 1,666 |
| Retained earnings to average equity (ytd only) | 8.1356% | 1,108 |
| Net charge-offs to loans | 0.0869% | 1,743 |
| Credit loss provision to net charge-offs | 312.5000% | 934 |
| Earnings coverage of net charge-offs (x) | 49.7500% | 1,080 |
| Efficiency ratio | 52.7316% | 5,118 |
| Assets per employee ($millions) | 8.0319% | 611 |
| Cash dividends to net income (ytd only)* | 25.6479% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 884 |
| Loan loss allowance to noncurrent loans | 57.8642% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 1,712 |
| Noncurrent loans to loans | 3.1135% | 402 |
| Net loans and leases to total assets | 32.2179% | 5,496 |
| Net loans and leases to deposits | 36.8963% | 5,524 |
| Net loans and leases to core deposits | 39.9800% | 5,501 |
| Total domestic deposits to total assets | 87.3202% | 1,795 |
| Equity capital to assets | 12.5891% | 1,579 |
| Core capital (leverage) ratio | 12.5031% | 1,365 |
| Tier 1 risk-based capital ratio | 27.9647% | 552 |
| Total risk-based capital ratio | 29.2150% | 542 |
| Memoranda: | ||
| Average total assets | $169,834,670 | 3,282 |
| Average earning assets | $155,767,330 | 3,294 |
| Average equity | $20,453,330 | 3,109 |
| Average total loans | $55,248,330 | 4,381 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9544% | 5,503 |
| Cost of funding earning assets | 0.1792% | 5,161 |
| Net interest margin | 2.7751% | 5,292 |
| Noninterest income to average assets | 0.3497% | 4,044 |
| Noninterest expense to average assets | 1.5703% | 5,586 |
| Loan and lease loss provision to assets | 0.0587% | 2,633 |
| Net operating income to assets | 1.2651% | 1,333 |
| Return on assets (ROA) | 1.2651% | 1,369 |
| Pretax return on assets | 1.2651% | 2,370 |
| Return on Equity (ROE) | 10.7461% | 1,658 |
| Retained earnings to average equity (ytd only) | 9.0316% | 1,067 |
| Net charge-offs to loans | 0.1377% | 1,109 |
| Credit loss provision to net charge-offs | 131.5789% | 1,303 |
| Earnings coverage of net charge-offs (x) | 29.6842% | 1,223 |
| Efficiency ratio | 54.2579% | 5,101 |
| Assets per employee ($millions) | 8.0771% | 599 |
| Cash dividends to net income (ytd only)* | 15.9555% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 1,091 |
| Loan loss allowance to noncurrent loans | 54.4000% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0317% | 1,758 |
| Noncurrent loans to loans | 3.1795% | 403 |
| Net loans and leases to total assets | 31.8879% | 5,542 |
| Net loans and leases to deposits | 36.2846% | 5,577 |
| Net loans and leases to core deposits | 40.3019% | 5,513 |
| Total domestic deposits to total assets | 87.8828% | 1,782 |
| Equity capital to assets | 12.0494% | 1,800 |
| Core capital (leverage) ratio | 12.1004% | 1,562 |
| Tier 1 risk-based capital ratio | 27.5793% | 590 |
| Total risk-based capital ratio | 28.8296% | 574 |
| Memoranda: | ||
| Average total assets | $170,417,000 | 3,309 |
| Average earning assets | $156,244,000 | 3,322 |
| Average equity | $20,063,000 | 3,163 |
| Average total loans | $55,203,000 | 4,418 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8755% | 5,599 |
| Cost of funding earning assets | 0.1651% | 5,315 |
| Net interest margin | 2.7104% | 5,408 |
| Noninterest income to average assets | 0.3715% | 4,091 |
| Noninterest expense to average assets | 1.5370% | 5,696 |
| Loan and lease loss provision to assets | 0.1698% | 1,438 |
| Net operating income to assets | 1.1512% | 1,690 |
| Return on assets (ROA) | 1.1735% | 1,693 |
| Pretax return on assets | 1.1735% | 2,786 |
| Return on Equity (ROE) | 9.9369% | 1,984 |
| Retained earnings to average equity (ytd only) | 5.3532% | 2,102 |
| Net charge-offs to loans | 0.0575% | 2,898 |
| Credit loss provision to net charge-offs | 958.0645% | 398 |
| Earnings coverage of net charge-offs (x) | 74.5484% | 756 |
| Efficiency ratio | 53.7800% | 5,259 |
| Assets per employee ($millions) | 8.1531% | 569 |
| Cash dividends to net income (ytd only)* | 46.1276% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 1,122 |
| Loan loss allowance to noncurrent loans | 52.5556% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0513% | 1,796 |
| Noncurrent loans to loans | 3.2511% | 386 |
| Net loans and leases to total assets | 31.7846% | 5,604 |
| Net loans and leases to deposits | 35.9369% | 5,639 |
| Net loans and leases to core deposits | 40.5838% | 5,585 |
| Total domestic deposits to total assets | 88.4455% | 1,411 |
| Equity capital to assets | 11.4990% | 2,174 |
| Core capital (leverage) ratio | 11.7528% | 1,757 |
| Tier 1 risk-based capital ratio | 26.8032% | 634 |
| Total risk-based capital ratio | 28.0558% | 618 |
| Memoranda: | ||
| Average total assets | $174,945,800 | 3,218 |
| Average earning assets | $160,492,600 | 3,232 |
| Average equity | $20,660,400 | 3,102 |
| Average total loans | $53,893,200 | 4,461 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8754% | 5,672 |
| Cost of funding earning assets | 0.1680% | 5,363 |
| Net interest margin | 2.7074% | 5,484 |
| Noninterest income to average assets | 0.3722% | 4,115 |
| Noninterest expense to average assets | 1.4942% | 5,765 |
| Loan and lease loss provision to assets | 0.1099% | 2,093 |
| Net operating income to assets | 1.2478% | 1,460 |
| Return on assets (ROA) | 1.2774% | 1,460 |
| Pretax return on assets | 1.2774% | 2,515 |
| Return on Equity (ROE) | 10.7475% | 1,764 |
| Retained earnings to average equity (ytd only) | 9.1019% | 793 |
| Net charge-offs to loans | 0.0399% | 2,839 |
| Credit loss provision to net charge-offs | 906.2500% | 445 |
| Earnings coverage of net charge-offs (x) | 111.9522% | 606 |
| Efficiency ratio | 52.3923% | 5,359 |
| Assets per employee ($millions) | 8.2919% | 520 |
| Cash dividends to net income (ytd only)* | 15.3115% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 2,098 |
| Loan loss allowance to noncurrent loans | 43.9674% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 1,954 |
| Noncurrent loans to loans | 3.2327% | 436 |
| Net loans and leases to total assets | 32.2227% | 5,673 |
| Net loans and leases to deposits | 36.8481% | 5,711 |
| Net loans and leases to core deposits | 41.6576% | 5,641 |
| Total domestic deposits to total assets | 87.4472% | 1,691 |
| Equity capital to assets | 12.4448% | 1,811 |
| Core capital (leverage) ratio | 11.8324% | 1,790 |
| Tier 1 risk-based capital ratio | 27.0475% | 638 |
| Total risk-based capital ratio | 28.1101% | 635 |
| Memoranda: | ||
| Average total assets | $175,878,500 | 3,228 |
| Average earning assets | $161,086,250 | 3,233 |
| Average equity | $20,903,500 | 3,102 |
| Average total loans | $53,525,000 | 4,506 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8713% | 5,756 |
| Cost of funding earning assets | 0.1679% | 5,431 |
| Net interest margin | 2.7034% | 5,565 |
| Noninterest income to average assets | 0.3650% | 4,148 |
| Noninterest expense to average assets | 1.4938% | 5,842 |
| Loan and lease loss provision to assets | 0.1077% | 2,061 |
| Net operating income to assets | 1.2456% | 1,443 |
| Return on assets (ROA) | 1.2728% | 1,469 |
| Pretax return on assets | 1.2728% | 2,511 |
| Return on Equity (ROE) | 10.8776% | 1,695 |
| Retained earnings to average equity (ytd only) | 9.2115% | 792 |
| Net charge-offs to loans | 0.0229% | 3,033 |
| Credit loss provision to net charge-offs | 1,583.3333% | 256 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 328 |
| Efficiency ratio | 52.4682% | 5,418 |
| Assets per employee ($millions) | 7.9638% | 575 |
| Cash dividends to net income (ytd only)* | 15.3161% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 2,117 |
| Loan loss allowance to noncurrent loans | 40.1776% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0924% | 1,939 |
| Noncurrent loans to loans | 3.5787% | 366 |
| Net loans and leases to total assets | 30.0872% | 5,777 |
| Net loans and leases to deposits | 34.3000% | 5,817 |
| Net loans and leases to core deposits | 39.7673% | 5,754 |
| Total domestic deposits to total assets | 87.7177% | 1,563 |
| Equity capital to assets | 12.1926% | 1,978 |
| Core capital (leverage) ratio | 11.3106% | 2,142 |
| Tier 1 risk-based capital ratio | 26.8580% | 663 |
| Total risk-based capital ratio | 27.8861% | 662 |
| Memoranda: | ||
| Average total assets | $176,461,670 | 3,238 |
| Average earning assets | $162,017,330 | 3,241 |
| Average equity | $20,648,000 | 3,129 |
| Average total loans | $52,394,000 | 4,576 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8477% | 5,824 |
| Cost of funding earning assets | 0.1643% | 5,514 |
| Net interest margin | 2.6834% | 5,639 |
| Noninterest income to average assets | 0.3478% | 4,243 |
| Noninterest expense to average assets | 1.4750% | 5,923 |
| Loan and lease loss provision to assets | 0.1016% | 2,002 |
| Net operating income to assets | 1.2423% | 1,424 |
| Return on assets (ROA) | 1.2423% | 1,529 |
| Pretax return on assets | 1.2423% | 2,535 |
| Return on Equity (ROE) | 10.8422% | 1,659 |
| Retained earnings to average equity (ytd only) | 9.1469% | 1,067 |
| Net charge-offs to loans | 0.0463% | 2,097 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 99.1667% | 539 |
| Efficiency ratio | 52.3237% | 5,495 |
| Assets per employee ($millions) | 8.2150% | 519 |
| Cash dividends to net income (ytd only)* | 15.6364% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 2,569 |
| Loan loss allowance to noncurrent loans | 35.9680% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 2,000 |
| Noncurrent loans to loans | 3.8058% | 327 |
| Net loans and leases to total assets | 28.6650% | 5,857 |
| Net loans and leases to deposits | 32.3913% | 5,894 |
| Net loans and leases to core deposits | 38.3575% | 5,811 |
| Total domestic deposits to total assets | 88.4960% | 1,358 |
| Equity capital to assets | 11.4459% | 2,488 |
| Core capital (leverage) ratio | 10.8240% | 2,599 |
| Tier 1 risk-based capital ratio | 26.3448% | 713 |
| Total risk-based capital ratio | 27.3127% | 714 |
| Memoranda: | ||
| Average total assets | $177,090,500 | 3,229 |
| Average earning assets | $163,077,500 | 3,242 |
| Average equity | $20,291,000 | 3,169 |
| Average total loans | $51,849,500 | 4,616 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7564% | 5,911 |
| Cost of funding earning assets | 0.1281% | 5,833 |
| Net interest margin | 2.6283% | 5,734 |
| Noninterest income to average assets | 0.3744% | 4,228 |
| Noninterest expense to average assets | 1.4533% | 6,004 |
| Loan and lease loss provision to assets | 0.0547% | 3,222 |
| Net operating income to assets | 1.2439% | 1,403 |
| Return on assets (ROA) | 1.2603% | 1,415 |
| Pretax return on assets | 1.2603% | 2,435 |
| Return on Equity (ROE) | 11.8768% | 1,334 |
| Retained earnings to average equity (ytd only) | 6.7058% | 1,435 |
| Net charge-offs to loans | -0.0041% | 4,944 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8103% | 5,594 |
| Assets per employee ($millions) | 7.8842% | 589 |
| Cash dividends to net income (ytd only)* | 43.5386% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 2,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 29.1112% | 5,915 |
| Net loans and leases to deposits | 32.8985% | 5,957 |
| Net loans and leases to core deposits | 37.4249% | 5,894 |
| Total domestic deposits to total assets | 88.4879% | 1,387 |
| Equity capital to assets | 11.4706% | 2,384 |
| Core capital (leverage) ratio | 10.9644% | 2,442 |
| Tier 1 risk-based capital ratio | 26.4748% | 707 |
| Total risk-based capital ratio | 27.4172% | 708 |
| Memoranda: | ||
| Average total assets | $182,965,600 | 3,128 |
| Average earning assets | $165,506,200 | 3,185 |
| Average equity | $19,416,000 | 3,228 |
| Average total loans | $48,937,200 | 4,705 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7128% | 6,013 |
| Cost of funding earning assets | 0.1307% | 5,911 |
| Net interest margin | 2.5821% | 5,852 |
| Noninterest income to average assets | 0.3748% | 4,251 |
| Noninterest expense to average assets | 1.4128% | 6,091 |
| Loan and lease loss provision to assets | 0.0683% | 2,811 |
| Net operating income to assets | 1.2244% | 1,572 |
| Return on assets (ROA) | 1.2459% | 1,556 |
| Pretax return on assets | 1.2459% | 2,622 |
| Return on Equity (ROE) | 11.9677% | 1,387 |
| Retained earnings to average equity (ytd only) | 8.9965% | 910 |
| Net charge-offs to loans | -0.0110% | 5,025 |
| Credit loss provision to net charge-offs | -2,375.0000% | 5,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2202% | 5,637 |
| Assets per employee ($millions) | 8.0917% | 519 |
| Cash dividends to net income (ytd only)* | 24.8268% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 3,136 |
| Loan loss allowance to noncurrent loans | 22,566.6667% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,822 |
| Noncurrent loans to loans | 0.0057% | 5,631 |
| Net loans and leases to total assets | 29.0414% | 6,001 |
| Net loans and leases to deposits | 32.7813% | 6,040 |
| Net loans and leases to core deposits | 36.8436% | 5,996 |
| Total domestic deposits to total assets | 88.5916% | 1,249 |
| Equity capital to assets | 11.3191% | 2,683 |
| Core capital (leverage) ratio | 10.5443% | 2,995 |
| Tier 1 risk-based capital ratio | 25.8941% | 777 |
| Total risk-based capital ratio | 26.8091% | 792 |
| Memoranda: | ||
| Average total assets | $185,344,000 | 3,136 |
| Average earning assets | $167,304,250 | 3,186 |
| Average equity | $19,296,000 | 3,272 |
| Average total loans | $48,378,000 | 4,772 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6674% | 6,089 |
| Cost of funding earning assets | 0.1333% | 5,963 |
| Net interest margin | 2.5341% | 5,932 |
| Noninterest income to average assets | 0.3717% | 4,283 |
| Noninterest expense to average assets | 1.3984% | 6,174 |
| Loan and lease loss provision to assets | 0.0373% | 3,372 |
| Net operating income to assets | 1.2046% | 1,587 |
| Return on assets (ROA) | 1.2365% | 1,571 |
| Pretax return on assets | 1.2365% | 2,620 |
| Return on Equity (ROE) | 12.2138% | 1,312 |
| Retained earnings to average equity (ytd only) | 9.1945% | 862 |
| Net charge-offs to loans | -0.0043% | 4,702 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9649% | 5,653 |
| Assets per employee ($millions) | 8.2894% | 466 |
| Cash dividends to net income (ytd only)* | 24.7201% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 3,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 26.5969% | 6,122 |
| Net loans and leases to deposits | 29.7755% | 6,147 |
| Net loans and leases to core deposits | 35.0220% | 6,091 |
| Total domestic deposits to total assets | 89.3248% | 991 |
| Equity capital to assets | 10.6006% | 3,320 |
| Core capital (leverage) ratio | 10.1424% | 3,407 |
| Tier 1 risk-based capital ratio | 25.7302% | 798 |
| Total risk-based capital ratio | 26.5767% | 819 |
| Memoranda: | ||
| Average total assets | $187,786,000 | 3,132 |
| Average earning assets | $168,104,330 | 3,190 |
| Average equity | $19,011,330 | 3,314 |
| Average total loans | $47,045,330 | 4,852 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5704% | 6,195 |
| Cost of funding earning assets | 0.1329% | 6,041 |
| Net interest margin | 2.4374% | 6,076 |
| Noninterest income to average assets | 0.3591% | 4,330 |
| Noninterest expense to average assets | 1.3859% | 6,242 |
| Loan and lease loss provision to assets | 0.0420% | 3,072 |
| Net operating income to assets | 1.1255% | 1,771 |
| Return on assets (ROA) | 1.1885% | 1,680 |
| Pretax return on assets | 1.1885% | 2,715 |
| Return on Equity (ROE) | 12.0100% | 1,347 |
| Retained earnings to average equity (ytd only) | 8.9757% | 1,202 |
| Net charge-offs to loans | -0.0087% | 4,663 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2763% | 5,655 |
| Assets per employee ($millions) | 8.7512% | 398 |
| Cash dividends to net income (ytd only)* | 25.2650% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 3,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 23.9192% | 6,214 |
| Net loans and leases to deposits | 26.5936% | 6,240 |
| Net loans and leases to core deposits | 31.7670% | 6,190 |
| Total domestic deposits to total assets | 89.9437% | 768 |
| Equity capital to assets | 10.0074% | 4,140 |
| Core capital (leverage) ratio | 9.4224% | 4,391 |
| Tier 1 risk-based capital ratio | 24.8263% | 903 |
| Total risk-based capital ratio | 25.6361% | 931 |
| Memoranda: | ||
| Average total assets | $190,495,500 | 3,117 |
| Average earning assets | $171,494,000 | 3,162 |
| Average equity | $18,851,000 | 3,351 |
| Average total loans | $46,009,000 | 4,918 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7025% | 6,261 |
| Cost of funding earning assets | 0.1347% | 6,174 |
| Net interest margin | 2.5678% | 6,099 |
| Noninterest income to average assets | 0.3914% | 4,257 |
| Noninterest expense to average assets | 1.4543% | 6,323 |
| Loan and lease loss provision to assets | 0.0183% | 4,246 |
| Net operating income to assets | 1.2352% | 1,480 |
| Return on assets (ROA) | 1.2546% | 1,483 |
| Pretax return on assets | 1.2546% | 2,419 |
| Return on Equity (ROE) | 12.5886% | 1,238 |
| Retained earnings to average equity (ytd only) | 7.1673% | 1,329 |
| Net charge-offs to loans | 0.0336% | 4,156 |
| Credit loss provision to net charge-offs | 213.3333% | 1,161 |
| Earnings coverage of net charge-offs (x) | 146.4667% | 373 |
| Efficiency ratio | 53.7084% | 5,863 |
| Assets per employee ($millions) | 8.9745% | 346 |
| Cash dividends to net income (ytd only)* | 43.0650% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 3,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 23.7658% | 6,317 |
| Net loans and leases to deposits | 26.3540% | 6,339 |
| Net loans and leases to core deposits | 30.7446% | 6,301 |
| Total domestic deposits to total assets | 90.1790% | 660 |
| Equity capital to assets | 9.7817% | 4,383 |
| Core capital (leverage) ratio | 9.4643% | 4,289 |
| Tier 1 risk-based capital ratio | 25.2768% | 814 |
| Total risk-based capital ratio | 26.0911% | 836 |
| Memoranda: | ||
| Average total assets | $175,268,800 | 3,268 |
| Average earning assets | $158,110,000 | 3,310 |
| Average equity | $17,468,200 | 3,460 |
| Average total loans | $44,580,600 | 5,012 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7192% | 6,323 |
| Cost of funding earning assets | 0.1405% | 6,237 |
| Net interest margin | 2.5786% | 6,153 |
| Noninterest income to average assets | 0.3807% | 4,395 |
| Noninterest expense to average assets | 1.4591% | 6,372 |
| Loan and lease loss provision to assets | 0.0248% | 3,913 |
| Net operating income to assets | 1.2296% | 1,582 |
| Return on assets (ROA) | 1.2296% | 1,641 |
| Pretax return on assets | 1.2296% | 2,653 |
| Return on Equity (ROE) | 12.2753% | 1,407 |
| Retained earnings to average equity (ytd only) | 9.3884% | 875 |
| Net charge-offs to loans | 0.0451% | 3,593 |
| Credit loss provision to net charge-offs | 213.3333% | 1,205 |
| Earnings coverage of net charge-offs (x) | 107.8640% | 557 |
| Efficiency ratio | 53.7714% | 5,841 |
| Assets per employee ($millions) | 9.2690% | 304 |
| Cash dividends to net income (ytd only)* | 23.5183% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 3,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 24.2664% | 6,382 |
| Net loans and leases to deposits | 26.8954% | 6,413 |
| Net loans and leases to core deposits | 30.2306% | 6,385 |
| Total domestic deposits to total assets | 90.2249% | 642 |
| Equity capital to assets | 9.6952% | 4,553 |
| Core capital (leverage) ratio | 10.0331% | 3,632 |
| Tier 1 risk-based capital ratio | 25.3164% | 850 |
| Total risk-based capital ratio | 26.1338% | 879 |
| Memoranda: | ||
| Average total assets | $171,970,000 | 3,338 |
| Average earning assets | $155,583,750 | 3,371 |
| Average equity | $17,226,500 | 3,511 |
| Average total loans | $44,383,750 | 5,076 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7657% | 6,362 |
| Cost of funding earning assets | 0.1500% | 6,266 |
| Net interest margin | 2.6157% | 6,154 |
| Noninterest income to average assets | 0.3869% | 4,343 |
| Noninterest expense to average assets | 1.4806% | 6,434 |
| Loan and lease loss provision to assets | 0.0024% | 4,168 |
| Net operating income to assets | 1.2561% | 1,427 |
| Return on assets (ROA) | 1.2561% | 1,491 |
| Pretax return on assets | 1.2561% | 2,429 |
| Return on Equity (ROE) | 12.3927% | 1,334 |
| Retained earnings to average equity (ytd only) | 9.6833% | 797 |
| Net charge-offs to loans | 0.0364% | 3,491 |
| Credit loss provision to net charge-offs | 25.0000% | 3,117 |
| Earnings coverage of net charge-offs (x) | 131.7500% | 458 |
| Efficiency ratio | 54.0541% | 5,906 |
| Assets per employee ($millions) | 8.4606% | 406 |
| Cash dividends to net income (ytd only)* | 21.8631% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 4,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 26.3647% | 6,409 |
| Net loans and leases to deposits | 29.4990% | 6,433 |
| Net loans and leases to core deposits | 34.5214% | 6,364 |
| Total domestic deposits to total assets | 89.3748% | 1,171 |
| Equity capital to assets | 10.5466% | 3,387 |
| Core capital (leverage) ratio | 10.2594% | 3,254 |
| Tier 1 risk-based capital ratio | 26.1404% | 755 |
| Total risk-based capital ratio | 26.9689% | 785 |
| Memoranda: | ||
| Average total assets | $167,500,000 | 3,414 |
| Average earning assets | $150,630,670 | 3,474 |
| Average equity | $16,977,670 | 3,547 |
| Average total loans | $43,990,670 | 5,127 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7730% | 6,415 |
| Cost of funding earning assets | 0.1523% | 6,344 |
| Net interest margin | 2.6208% | 6,206 |
| Noninterest income to average assets | 0.3504% | 4,575 |
| Noninterest expense to average assets | 1.5266% | 6,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1786% | 1,543 |
| Return on assets (ROA) | 1.1786% | 1,608 |
| Pretax return on assets | 1.1786% | 2,576 |
| Return on Equity (ROE) | 11.8717% | 1,446 |
| Retained earnings to average equity (ytd only) | 9.7924% | 1,017 |
| Net charge-offs to loans | 0.0184% | 3,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 245.5000% | 199 |
| Efficiency ratio | 56.4330% | 5,803 |
| Assets per employee ($millions) | 8.6362% | 382 |
| Cash dividends to net income (ytd only)* | 17.5153% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 4,142 |
| Loan loss allowance to noncurrent loans | 9,316.6667% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 6,332 |
| Noncurrent loans to loans | 0.0139% | 6,127 |
| Net loans and leases to total assets | 24.6393% | 6,496 |
| Net loans and leases to deposits | 27.3302% | 6,522 |
| Net loans and leases to core deposits | 32.5606% | 6,446 |
| Total domestic deposits to total assets | 90.1542% | 992 |
| Equity capital to assets | 9.7919% | 4,119 |
| Core capital (leverage) ratio | 10.0646% | 3,479 |
| Tier 1 risk-based capital ratio | 25.8929% | 797 |
| Total risk-based capital ratio | 26.7396% | 822 |
| Memoranda: | ||
| Average total assets | $166,644,500 | 3,453 |
| Average earning assets | $149,727,000 | 3,512 |
| Average equity | $16,543,500 | 3,611 |
| Average total loans | $43,402,500 | 5,192 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5384% | 6,604 |
| Cost of funding earning assets | 0.1625% | 6,487 |
| Net interest margin | 2.3760% | 6,471 |
| Noninterest income to average assets | 0.3978% | 4,462 |
| Noninterest expense to average assets | 1.4170% | 6,621 |
| Loan and lease loss provision to assets | 0.0302% | 4,504 |
| Net operating income to assets | 1.0899% | 1,960 |
| Return on assets (ROA) | 1.2187% | 1,568 |
| Pretax return on assets | 1.2187% | 2,504 |
| Return on Equity (ROE) | 12.1810% | 1,363 |
| Retained earnings to average equity (ytd only) | 7.5829% | 1,206 |
| Net charge-offs to loans | 0.0237% | 4,951 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 185.3000% | 247 |
| Efficiency ratio | 55.8494% | 5,966 |
| Assets per employee ($millions) | 7.6460% | 561 |
| Cash dividends to net income (ytd only)* | 37.7480% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 4,217 |
| Loan loss allowance to noncurrent loans | 9,350.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 6,435 |
| Noncurrent loans to loans | 0.0137% | 6,238 |
| Net loans and leases to total assets | 26.8595% | 6,550 |
| Net loans and leases to deposits | 29.8846% | 6,584 |
| Net loans and leases to core deposits | 35.2719% | 6,493 |
| Total domestic deposits to total assets | 89.8776% | 1,144 |
| Equity capital to assets | 10.0732% | 3,663 |
| Core capital (leverage) ratio | 10.3075% | 3,144 |
| Tier 1 risk-based capital ratio | 25.8977% | 778 |
| Total risk-based capital ratio | 26.7681% | 798 |
| Memoranda: | ||
| Average total assets | $165,423,800 | 3,481 |
| Average earning assets | $148,949,800 | 3,523 |
| Average equity | $16,550,400 | 3,625 |
| Average total loans | $42,147,600 | 5,263 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4609% | 6,708 |
| Cost of funding earning assets | 0.1672% | 6,564 |
| Net interest margin | 2.2937% | 6,592 |
| Noninterest income to average assets | 0.3873% | 4,623 |
| Noninterest expense to average assets | 1.4106% | 6,687 |
| Loan and lease loss provision to assets | 0.0400% | 4,208 |
| Net operating income to assets | 1.0001% | 2,375 |
| Return on assets (ROA) | 1.0313% | 2,333 |
| Pretax return on assets | 1.0313% | 3,373 |
| Return on Equity (ROE) | 10.3255% | 2,058 |
| Retained earnings to average equity (ytd only) | 8.2588% | 1,313 |
| Net charge-offs to loans | 0.0287% | 4,552 |
| Credit loss provision to net charge-offs | 555.5556% | 503 |
| Earnings coverage of net charge-offs (x) | 144.4408% | 382 |
| Efficiency ratio | 57.5579% | 5,741 |
| Assets per employee ($millions) | 8.0332% | 456 |
| Cash dividends to net income (ytd only)* | 20.0155% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 4,595 |
| Loan loss allowance to noncurrent loans | 8,028.5714% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,514 |
| Noncurrent loans to loans | 0.0157% | 6,312 |
| Net loans and leases to total assets | 27.4183% | 6,614 |
| Net loans and leases to deposits | 30.5160% | 6,660 |
| Net loans and leases to core deposits | 35.6648% | 6,570 |
| Total domestic deposits to total assets | 89.8489% | 1,085 |
| Equity capital to assets | 10.0490% | 3,831 |
| Core capital (leverage) ratio | 10.6235% | 2,865 |
| Tier 1 risk-based capital ratio | 25.1551% | 860 |
| Total risk-based capital ratio | 26.0136% | 887 |
| Memoranda: | ||
| Average total assets | $166,638,500 | 3,500 |
| Average earning assets | $149,916,750 | 3,534 |
| Average equity | $16,644,500 | 3,648 |
| Average total loans | $41,762,500 | 5,324 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4110% | 6,762 |
| Cost of funding earning assets | 0.1751% | 6,599 |
| Net interest margin | 2.2360% | 6,663 |
| Noninterest income to average assets | 0.3772% | 4,692 |
| Noninterest expense to average assets | 1.4339% | 6,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9429% | 2,603 |
| Return on assets (ROA) | 0.9891% | 2,519 |
| Pretax return on assets | 0.9891% | 3,558 |
| Return on Equity (ROE) | 9.9221% | 2,227 |
| Retained earnings to average equity (ytd only) | 7.8758% | 1,539 |
| Net charge-offs to loans | 0.0245% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 311 |
| Efficiency ratio | 60.3293% | 5,433 |
| Assets per employee ($millions) | 7.4283% | 596 |
| Cash dividends to net income (ytd only)* | 20.6235% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 4,760 |
| Loan loss allowance to noncurrent loans | 7,371.4286% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,560 |
| Noncurrent loans to loans | 0.0169% | 6,372 |
| Net loans and leases to total assets | 26.2528% | 6,680 |
| Net loans and leases to deposits | 29.3173% | 6,712 |
| Net loans and leases to core deposits | 35.3635% | 6,618 |
| Total domestic deposits to total assets | 89.5471% | 1,296 |
| Equity capital to assets | 10.3606% | 3,480 |
| Core capital (leverage) ratio | 9.9124% | 3,641 |
| Tier 1 risk-based capital ratio | 25.9428% | 781 |
| Total risk-based capital ratio | 26.7744% | 799 |
| Memoranda: | ||
| Average total assets | $168,630,330 | 3,489 |
| Average earning assets | $150,806,330 | 3,535 |
| Average equity | $16,811,000 | 3,649 |
| Average total loans | $40,812,330 | 5,388 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3161% | 6,864 |
| Cost of funding earning assets | 0.1746% | 6,699 |
| Net interest margin | 2.1415% | 6,793 |
| Noninterest income to average assets | 0.3544% | 4,843 |
| Noninterest expense to average assets | 1.4176% | 6,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8437% | 2,931 |
| Return on assets (ROA) | 0.9328% | 2,650 |
| Pretax return on assets | 0.9328% | 3,644 |
| Return on Equity (ROE) | 9.5241% | 2,252 |
| Retained earnings to average equity (ytd only) | 7.5166% | 1,935 |
| Net charge-offs to loans | 0.0593% | 3,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 584 |
| Efficiency ratio | 62.6896% | 5,203 |
| Assets per employee ($millions) | 7.6198% | 583 |
| Cash dividends to net income (ytd only)* | 21.0784% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 4,747 |
| Loan loss allowance to noncurrent loans | 780.3030% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 6,485 |
| Noncurrent loans to loans | 0.1656% | 5,986 |
| Net loans and leases to total assets | 23.4675% | 6,787 |
| Net loans and leases to deposits | 26.1573% | 6,818 |
| Net loans and leases to core deposits | 32.5205% | 6,706 |
| Total domestic deposits to total assets | 89.7170% | 1,219 |
| Equity capital to assets | 10.2174% | 3,885 |
| Core capital (leverage) ratio | 9.2738% | 4,446 |
| Tier 1 risk-based capital ratio | 25.1448% | 871 |
| Total risk-based capital ratio | 25.9666% | 913 |
| Memoranda: | ||
| Average total assets | $174,948,000 | 3,409 |
| Average earning assets | $155,781,500 | 3,504 |
| Average equity | $17,135,500 | 3,647 |
| Average total loans | $40,484,000 | 5,444 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6154% | 6,901 |
| Cost of funding earning assets | 0.2283% | 6,757 |
| Net interest margin | 2.3871% | 6,790 |
| Noninterest income to average assets | 0.3909% | 4,681 |
| Noninterest expense to average assets | 1.3919% | 6,913 |
| Loan and lease loss provision to assets | 0.0305% | 5,516 |
| Net operating income to assets | 1.0088% | 2,299 |
| Return on assets (ROA) | 1.0154% | 2,491 |
| Pretax return on assets | 1.0154% | 3,496 |
| Return on Equity (ROE) | 10.1019% | 2,130 |
| Retained earnings to average equity (ytd only) | 5.9980% | 2,075 |
| Net charge-offs to loans | 0.0626% | 5,067 |
| Credit loss provision to net charge-offs | 212.5000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 72.3333% | 512 |
| Efficiency ratio | 57.2519% | 5,927 |
| Assets per employee ($millions) | 8.6790% | 367 |
| Cash dividends to net income (ytd only)* | 40.6250% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 4,794 |
| Loan loss allowance to noncurrent loans | 7,442.8571% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 6,702 |
| Noncurrent loans to loans | 0.0170% | 6,500 |
| Net loans and leases to total assets | 22.2715% | 6,893 |
| Net loans and leases to deposits | 24.5969% | 6,919 |
| Net loans and leases to core deposits | 28.6857% | 6,872 |
| Total domestic deposits to total assets | 90.5459% | 683 |
| Equity capital to assets | 9.4058% | 4,993 |
| Core capital (leverage) ratio | 8.4882% | 5,629 |
| Tier 1 risk-based capital ratio | 23.0418% | 1,110 |
| Total risk-based capital ratio | 23.8195% | 1,152 |
| Memoranda: | ||
| Average total assets | $167,034,200 | 3,504 |
| Average earning assets | $142,769,600 | 3,684 |
| Average equity | $16,789,000 | 3,657 |
| Average total loans | $38,365,800 | 5,574 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6822% | 7,006 |
| Cost of funding earning assets | 0.2440% | 6,834 |
| Net interest margin | 2.4382% | 6,868 |
| Noninterest income to average assets | 0.3855% | 4,744 |
| Noninterest expense to average assets | 1.4384% | 6,972 |
| Loan and lease loss provision to assets | 0.0131% | 5,650 |
| Net operating income to assets | 1.0072% | 2,463 |
| Return on assets (ROA) | 1.0161% | 2,656 |
| Pretax return on assets | 1.0161% | 3,650 |
| Return on Equity (ROE) | 9.9316% | 2,372 |
| Retained earnings to average equity (ytd only) | 7.8718% | 1,674 |
| Net charge-offs to loans | 0.0389% | 5,106 |
| Credit loss provision to net charge-offs | 145.4545% | 1,961 |
| Earnings coverage of net charge-offs (x) | 113.5167% | 378 |
| Efficiency ratio | 58.5050% | 5,717 |
| Assets per employee ($millions) | 8.6861% | 370 |
| Cash dividends to net income (ytd only)* | 20.7394% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 4,979 |
| Loan loss allowance to noncurrent loans | 6,237.5000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,796 |
| Noncurrent loans to loans | 0.0203% | 6,591 |
| Net loans and leases to total assets | 21.3630% | 7,009 |
| Net loans and leases to deposits | 23.6551% | 7,045 |
| Net loans and leases to core deposits | 26.7219% | 7,009 |
| Total domestic deposits to total assets | 90.3102% | 674 |
| Equity capital to assets | 9.5872% | 5,087 |
| Core capital (leverage) ratio | 9.1029% | 4,910 |
| Tier 1 risk-based capital ratio | 23.3591% | 1,118 |
| Total risk-based capital ratio | 24.1154% | 1,172 |
| Memoranda: | ||
| Average total assets | $163,227,750 | 3,598 |
| Average earning assets | $138,786,500 | 3,778 |
| Average equity | $16,700,500 | 3,705 |
| Average total loans | $37,679,000 | 5,669 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8012% | 7,042 |
| Cost of funding earning assets | 0.2728% | 6,831 |
| Net interest margin | 2.5283% | 6,864 |
| Noninterest income to average assets | 0.3940% | 4,695 |
| Noninterest expense to average assets | 1.4040% | 7,055 |
| Loan and lease loss provision to assets | 0.0064% | 5,576 |
| Net operating income to assets | 1.1107% | 2,007 |
| Return on assets (ROA) | 1.1107% | 2,223 |
| Pretax return on assets | 1.1107% | 3,266 |
| Return on Equity (ROE) | 10.5974% | 2,132 |
| Retained earnings to average equity (ytd only) | 8.5047% | 1,448 |
| Net charge-offs to loans | 0.0485% | 4,717 |
| Credit loss provision to net charge-offs | 55.5556% | 3,910 |
| Earnings coverage of net charge-offs (x) | 97.3333% | 439 |
| Efficiency ratio | 55.6904% | 6,151 |
| Assets per employee ($millions) | 6.9657% | 740 |
| Cash dividends to net income (ytd only)* | 19.7474% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 4,814 |
| Loan loss allowance to noncurrent loans | 3,769.2308% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 6,824 |
| Noncurrent loans to loans | 0.0350% | 6,597 |
| Net loans and leases to total assets | 23.9453% | 7,037 |
| Net loans and leases to deposits | 26.9238% | 7,058 |
| Net loans and leases to core deposits | 31.1619% | 7,006 |
| Total domestic deposits to total assets | 88.9373% | 1,548 |
| Equity capital to assets | 10.9524% | 3,168 |
| Core capital (leverage) ratio | 9.6545% | 3,917 |
| Tier 1 risk-based capital ratio | 25.9233% | 811 |
| Total risk-based capital ratio | 26.7630% | 835 |
| Memoranda: | ||
| Average total assets | $156,834,000 | 3,723 |
| Average earning assets | $131,945,000 | 3,921 |
| Average equity | $16,438,000 | 3,740 |
| Average total loans | $37,083,000 | 5,731 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7912% | 7,110 |
| Cost of funding earning assets | 0.2986% | 6,844 |
| Net interest margin | 2.4926% | 6,960 |
| Noninterest income to average assets | 0.3505% | 5,056 |
| Noninterest expense to average assets | 1.4146% | 7,108 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9986% | 2,486 |
| Return on assets (ROA) | 0.9986% | 2,676 |
| Pretax return on assets | 0.9986% | 3,682 |
| Return on Equity (ROE) | 9.7387% | 2,498 |
| Retained earnings to average equity (ytd only) | 7.6237% | 2,119 |
| Net charge-offs to loans | 0.0648% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 509 |
| Efficiency ratio | 58.6207% | 5,831 |
| Assets per employee ($millions) | 8.1983% | 437 |
| Cash dividends to net income (ytd only)* | 21.7172% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 4,869 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 6,936 |
| Noncurrent loans to loans | 0.0218% | 6,725 |
| Net loans and leases to total assets | 22.0328% | 7,114 |
| Net loans and leases to deposits | 24.4927% | 7,138 |
| Net loans and leases to core deposits | 28.9334% | 7,091 |
| Total domestic deposits to total assets | 89.9564% | 1,112 |
| Equity capital to assets | 9.9582% | 4,175 |
| Core capital (leverage) ratio | 9.2581% | 4,430 |
| Tier 1 risk-based capital ratio | 24.6228% | 940 |
| Total risk-based capital ratio | 25.4381% | 974 |
| Memoranda: | ||
| Average total assets | $158,628,500 | 3,708 |
| Average earning assets | $131,269,500 | 3,960 |
| Average equity | $16,265,000 | 3,770 |
| Average total loans | $37,032,000 | 5,776 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2430% | 7,107 |
| Cost of funding earning assets | 0.3840% | 6,931 |
| Net interest margin | 2.8590% | 6,752 |
| Noninterest income to average assets | 0.4573% | 4,165 |
| Noninterest expense to average assets | 1.6585% | 7,077 |
| Loan and lease loss provision to assets | 0.0294% | 6,201 |
| Net operating income to assets | 1.2601% | 1,348 |
| Return on assets (ROA) | 1.3542% | 1,219 |
| Pretax return on assets | 1.3542% | 1,935 |
| Return on Equity (ROE) | 11.8009% | 1,464 |
| Retained earnings to average equity (ytd only) | 5.3623% | 2,399 |
| Net charge-offs to loans | 0.0426% | 5,883 |
| Credit loss provision to net charge-offs | 266.6667% | 898 |
| Earnings coverage of net charge-offs (x) | 116.9333% | 278 |
| Efficiency ratio | 56.2594% | 6,283 |
| Assets per employee ($millions) | 7.2996% | 628 |
| Cash dividends to net income (ytd only)* | 54.5603% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 4,809 |
| Loan loss allowance to noncurrent loans | 1,543.7500% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 6,922 |
| Noncurrent loans to loans | 0.0854% | 6,593 |
| Net loans and leases to total assets | 24.1082% | 7,155 |
| Net loans and leases to deposits | 26.9866% | 7,180 |
| Net loans and leases to core deposits | 31.4672% | 7,127 |
| Total domestic deposits to total assets | 89.3341% | 1,338 |
| Equity capital to assets | 10.5694% | 3,452 |
| Core capital (leverage) ratio | 9.8769% | 3,487 |
| Tier 1 risk-based capital ratio | 24.7101% | 900 |
| Total risk-based capital ratio | 25.5562% | 931 |
| Memoranda: | ||
| Average total assets | $136,025,000 | 4,055 |
| Average earning assets | $118,502,200 | 4,170 |
| Average equity | $15,609,000 | 3,789 |
| Average total loans | $35,231,400 | 5,901 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3367% | 7,166 |
| Cost of funding earning assets | 0.3990% | 7,020 |
| Net interest margin | 2.9377% | 6,689 |
| Noninterest income to average assets | 0.4687% | 4,140 |
| Noninterest expense to average assets | 1.7169% | 7,081 |
| Loan and lease loss provision to assets | 0.0405% | 5,934 |
| Net operating income to assets | 1.2978% | 1,378 |
| Return on assets (ROA) | 1.4274% | 1,173 |
| Pretax return on assets | 1.4274% | 1,856 |
| Return on Equity (ROE) | 12.1595% | 1,506 |
| Retained earnings to average equity (ytd only) | 9.9346% | 861 |
| Net charge-offs to loans | 0.0192% | 5,887 |
| Credit loss provision to net charge-offs | 800.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 264.2609% | 150 |
| Efficiency ratio | 56.1962% | 6,254 |
| Assets per employee ($millions) | 6.5693% | 917 |
| Cash dividends to net income (ytd only)* | 18.2978% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,745 |
| Loan loss allowance to noncurrent loans | 1,145.4545% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 6,980 |
| Noncurrent loans to loans | 0.1184% | 6,639 |
| Net loans and leases to total assets | 26.5637% | 7,180 |
| Net loans and leases to deposits | 30.3105% | 7,215 |
| Net loans and leases to core deposits | 35.1827% | 7,139 |
| Total domestic deposits to total assets | 87.6387% | 2,267 |
| Equity capital to assets | 12.2076% | 2,094 |
| Core capital (leverage) ratio | 10.7197% | 2,645 |
| Tier 1 risk-based capital ratio | 26.0800% | 829 |
| Total risk-based capital ratio | 26.9717% | 841 |
| Memoranda: | ||
| Average total assets | $131,708,250 | 4,160 |
| Average earning assets | $115,959,750 | 4,253 |
| Average equity | $15,460,750 | 3,833 |
| Average total loans | $34,676,750 | 5,982 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3636% | 7,224 |
| Cost of funding earning assets | 0.4149% | 7,096 |
| Net interest margin | 2.9486% | 6,697 |
| Noninterest income to average assets | 0.4706% | 4,101 |
| Noninterest expense to average assets | 1.6879% | 7,186 |
| Loan and lease loss provision to assets | 0.0309% | 5,922 |
| Net operating income to assets | 1.3392% | 1,218 |
| Return on assets (ROA) | 1.5367% | 877 |
| Pretax return on assets | 1.5367% | 1,414 |
| Return on Equity (ROE) | 13.2794% | 1,141 |
| Retained earnings to average equity (ytd only) | 10.9862% | 668 |
| Net charge-offs to loans | -0.0236% | 6,859 |
| Credit loss provision to net charge-offs | -500.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1968% | 6,488 |
| Assets per employee ($millions) | 6.1426% | 1,109 |
| Cash dividends to net income (ytd only)* | 17.2691% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 4,191 |
| Loan loss allowance to noncurrent loans | 1,202.4390% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 7,025 |
| Noncurrent loans to loans | 0.1237% | 6,671 |
| Net loans and leases to total assets | 24.1681% | 7,313 |
| Net loans and leases to deposits | 27.4752% | 7,332 |
| Net loans and leases to core deposits | 30.6992% | 7,312 |
| Total domestic deposits to total assets | 87.9633% | 2,162 |
| Equity capital to assets | 11.8842% | 2,183 |
| Core capital (leverage) ratio | 11.1295% | 2,156 |
| Tier 1 risk-based capital ratio | 27.3091% | 708 |
| Total risk-based capital ratio | 28.2431% | 713 |
| Memoranda: | ||
| Average total assets | $129,626,000 | 4,237 |
| Average earning assets | $113,748,670 | 4,342 |
| Average equity | $15,000,670 | 3,903 |
| Average total loans | $33,852,330 | 6,084 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4160% | 7,258 |
| Cost of funding earning assets | 0.4351% | 7,146 |
| Net interest margin | 2.9809% | 6,606 |
| Noninterest income to average assets | 0.4540% | 4,244 |
| Noninterest expense to average assets | 1.6994% | 7,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3683% | 1,121 |
| Return on assets (ROA) | 1.3683% | 1,170 |
| Pretax return on assets | 1.3683% | 1,822 |
| Return on Equity (ROE) | 11.9964% | 1,463 |
| Retained earnings to average equity (ytd only) | 9.6192% | 1,207 |
| Net charge-offs to loans | 0.0819% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 477 |
| Efficiency ratio | 55.3957% | 6,575 |
| Assets per employee ($millions) | 6.2541% | 1,047 |
| Cash dividends to net income (ytd only)* | 19.8157% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,758 |
| Loan loss allowance to noncurrent loans | 855.5556% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 7,061 |
| Noncurrent loans to loans | 0.1615% | 6,653 |
| Net loans and leases to total assets | 25.1072% | 7,354 |
| Net loans and leases to deposits | 28.3152% | 7,385 |
| Net loans and leases to core deposits | 32.7393% | 7,340 |
| Total domestic deposits to total assets | 88.6704% | 1,977 |
| Equity capital to assets | 11.2017% | 2,501 |
| Core capital (leverage) ratio | 10.8591% | 2,305 |
| Tier 1 risk-based capital ratio | 26.7482% | 726 |
| Total risk-based capital ratio | 27.6347% | 739 |
| Memoranda: | ||
| Average total assets | $126,870,500 | 4,324 |
| Average earning assets | $111,240,000 | 4,427 |
| Average equity | $14,471,000 | 4,004 |
| Average total loans | $34,202,000 | 6,117 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 7,215 |
| Cost of funding earning assets | 0.4915% | 7,309 |
| Net interest margin | 3.3849% | 5,686 |
| Noninterest income to average assets | 0.4284% | 4,688 |
| Noninterest expense to average assets | 1.8577% | 7,209 |
| Loan and lease loss provision to assets | 0.0211% | 6,907 |
| Net operating income to assets | 1.5634% | 667 |
| Return on assets (ROA) | 1.6047% | 663 |
| Pretax return on assets | 1.6047% | 1,118 |
| Return on Equity (ROE) | 12.5800% | 1,199 |
| Retained earnings to average equity (ytd only) | 2.9021% | 3,824 |
| Net charge-offs to loans | 0.0443% | 6,363 |
| Credit loss provision to net charge-offs | 178.5714% | 1,853 |
| Earnings coverage of net charge-offs (x) | 134.2143% | 187 |
| Efficiency ratio | 53.9686% | 6,809 |
| Assets per employee ($millions) | 5.8288% | 1,333 |
| Cash dividends to net income (ytd only)* | 76.9312% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 4,800 |
| Loan loss allowance to noncurrent loans | 1,421.2121% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 7,178 |
| Noncurrent loans to loans | 0.0944% | 6,896 |
| Net loans and leases to total assets | 28.1837% | 7,399 |
| Net loans and leases to deposits | 31.9423% | 7,429 |
| Net loans and leases to core deposits | 37.2786% | 7,367 |
| Total domestic deposits to total assets | 88.2332% | 2,104 |
| Equity capital to assets | 11.6254% | 2,172 |
| Core capital (leverage) ratio | 11.1372% | 2,061 |
| Tier 1 risk-based capital ratio | 26.2928% | 733 |
| Total risk-based capital ratio | 27.2001% | 739 |
| Memoranda: | ||
| Average total assets | $118,589,800 | 4,505 |
| Average earning assets | $105,586,400 | 4,577 |
| Average equity | $15,127,200 | 3,922 |
| Average total loans | $31,568,200 | 6,335 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 7,285 |
| Cost of funding earning assets | 0.5039% | 7,438 |
| Net interest margin | 3.4865% | 5,352 |
| Noninterest income to average assets | 0.4216% | 4,789 |
| Noninterest expense to average assets | 1.8101% | 7,315 |
| Loan and lease loss provision to assets | 0.0283% | 6,785 |
| Net operating income to assets | 1.6888% | 636 |
| Return on assets (ROA) | 1.7443% | 624 |
| Pretax return on assets | 1.7443% | 1,025 |
| Return on Equity (ROE) | 13.3664% | 1,167 |
| Retained earnings to average equity (ytd only) | 11.1257% | 588 |
| Net charge-offs to loans | 0.0564% | 5,955 |
| Credit loss provision to net charge-offs | 192.3077% | 1,859 |
| Earnings coverage of net charge-offs (x) | 116.5580% | 273 |
| Efficiency ratio | 51.3175% | 7,047 |
| Assets per employee ($millions) | 5.4278% | 1,696 |
| Cash dividends to net income (ytd only)* | 16.7641% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 4,192 |
| Loan loss allowance to noncurrent loans | 1,807.6923% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 7,307 |
| Noncurrent loans to loans | 0.0804% | 7,038 |
| Net loans and leases to total assets | 26.6891% | 7,532 |
| Net loans and leases to deposits | 30.9282% | 7,549 |
| Net loans and leases to core deposits | 34.7945% | 7,521 |
| Total domestic deposits to total assets | 86.2937% | 2,922 |
| Equity capital to assets | 13.5087% | 1,344 |
| Core capital (leverage) ratio | 12.2616% | 1,529 |
| Tier 1 risk-based capital ratio | 29.2323% | 555 |
| Total risk-based capital ratio | 30.1843% | 556 |
| Memoranda: | ||
| Average total assets | $117,636,250 | 4,591 |
| Average earning assets | $104,781,500 | 4,646 |
| Average equity | $15,351,500 | 3,927 |
| Average total loans | $30,718,500 | 6,449 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 7,305 |
| Cost of funding earning assets | 0.5196% | 7,518 |
| Net interest margin | 3.5524% | 5,037 |
| Noninterest income to average assets | 0.4033% | 4,891 |
| Noninterest expense to average assets | 1.7908% | 7,395 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7669% | 514 |
| Return on assets (ROA) | 1.8420% | 488 |
| Pretax return on assets | 1.8420% | 820 |
| Return on Equity (ROE) | 14.2860% | 976 |
| Retained earnings to average equity (ytd only) | 12.0066% | 491 |
| Net charge-offs to loans | 0.0331% | 5,887 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 206.8000% | 163 |
| Efficiency ratio | 50.3362% | 7,203 |
| Assets per employee ($millions) | 5.3849% | 1,721 |
| Cash dividends to net income (ytd only)* | 15.9555% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 4,229 |
| Loan loss allowance to noncurrent loans | 1,812.0000% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 7,349 |
| Noncurrent loans to loans | 0.0795% | 7,109 |
| Net loans and leases to total assets | 27.4014% | 7,590 |
| Net loans and leases to deposits | 31.8940% | 7,615 |
| Net loans and leases to core deposits | 36.0881% | 7,569 |
| Total domestic deposits to total assets | 85.9138% | 3,140 |
| Equity capital to assets | 13.8855% | 1,211 |
| Core capital (leverage) ratio | 12.0744% | 1,604 |
| Tier 1 risk-based capital ratio | 29.6711% | 527 |
| Total risk-based capital ratio | 30.6273% | 528 |
| Memoranda: | ||
| Average total assets | $117,044,330 | 4,638 |
| Average earning assets | $103,929,330 | 4,699 |
| Average equity | $15,091,670 | 3,978 |
| Average total loans | $30,178,000 | 6,518 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 7,500 |
| Cost of funding earning assets | 0.5256% | 7,638 |
| Net interest margin | 3.4129% | 5,529 |
| Noninterest income to average assets | 0.3831% | 5,065 |
| Noninterest expense to average assets | 1.7341% | 7,545 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6601% | 672 |
| Return on assets (ROA) | 1.6601% | 718 |
| Pretax return on assets | 1.6601% | 1,139 |
| Return on Equity (ROE) | 13.3635% | 1,180 |
| Retained earnings to average equity (ytd only) | 11.0371% | 917 |
| Net charge-offs to loans | 0.0406% | 5,011 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 164.6667% | 205 |
| Efficiency ratio | 51.0891% | 7,234 |
| Assets per employee ($millions) | 5.6560% | 1,538 |
| Cash dividends to net income (ytd only)* | 17.4089% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 3,813 |
| Loan loss allowance to noncurrent loans | 2,527.7778% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 7,458 |
| Noncurrent loans to loans | 0.0601% | 7,251 |
| Net loans and leases to total assets | 24.8251% | 7,719 |
| Net loans and leases to deposits | 28.4718% | 7,748 |
| Net loans and leases to core deposits | 33.9896% | 7,686 |
| Total domestic deposits to total assets | 87.1917% | 2,531 |
| Equity capital to assets | 12.6474% | 1,680 |
| Core capital (leverage) ratio | 11.2359% | 2,064 |
| Tier 1 risk-based capital ratio | 28.8994% | 586 |
| Total risk-based capital ratio | 29.8691% | 587 |
| Memoranda: | ||
| Average total assets | $119,025,500 | 4,655 |
| Average earning assets | $105,013,000 | 4,736 |
| Average equity | $14,786,500 | 4,060 |
| Average total loans | $29,547,500 | 6,628 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 7,638 |
| Cost of funding earning assets | 0.7362% | 7,645 |
| Net interest margin | 3.3901% | 5,402 |
| Noninterest income to average assets | 0.3911% | 5,287 |
| Noninterest expense to average assets | 1.8123% | 7,591 |
| Loan and lease loss provision to assets | 0.0951% | 6,658 |
| Net operating income to assets | 1.4684% | 721 |
| Return on assets (ROA) | 1.4907% | 741 |
| Pretax return on assets | 1.4907% | 1,207 |
| Return on Equity (ROE) | 12.7013% | 1,026 |
| Retained earnings to average equity (ytd only) | 6.3330% | 1,210 |
| Net charge-offs to loans | 0.1289% | 5,909 |
| Credit loss provision to net charge-offs | 294.8718% | 1,134 |
| Earnings coverage of net charge-offs (x) | 48.4872% | 530 |
| Efficiency ratio | 53.6860% | 7,259 |
| Assets per employee ($millions) | 5.4216% | 1,720 |
| Cash dividends to net income (ytd only)* | 50.1387% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 3,396 |
| Loan loss allowance to noncurrent loans | 594.8052% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 7,337 |
| Noncurrent loans to loans | 0.2641% | 6,767 |
| Net loans and leases to total assets | 24.0585% | 7,806 |
| Net loans and leases to deposits | 27.4516% | 7,845 |
| Net loans and leases to core deposits | 39.1092% | 7,774 |
| Total domestic deposits to total assets | 87.6396% | 2,150 |
| Equity capital to assets | 12.1994% | 1,913 |
| Core capital (leverage) ratio | 10.9778% | 2,236 |
| Tier 1 risk-based capital ratio | 28.2902% | 618 |
| Total risk-based capital ratio | 29.2755% | 622 |
| Memoranda: | ||
| Average total assets | $120,951,200 | 4,536 |
| Average earning assets | $106,486,200 | 4,669 |
| Average equity | $14,195,400 | 4,208 |
| Average total loans | $30,251,400 | 6,612 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 7,754 |
| Cost of funding earning assets | 0.7914% | 7,704 |
| Net interest margin | 3.3561% | 5,425 |
| Noninterest income to average assets | 0.3900% | 5,382 |
| Noninterest expense to average assets | 1.7917% | 7,667 |
| Loan and lease loss provision to assets | 0.1263% | 6,087 |
| Net operating income to assets | 1.4347% | 958 |
| Return on assets (ROA) | 1.4644% | 946 |
| Pretax return on assets | 1.4644% | 1,504 |
| Return on Equity (ROE) | 12.5991% | 1,204 |
| Retained earnings to average equity (ytd only) | 10.1606% | 608 |
| Net charge-offs to loans | 0.2271% | 4,638 |
| Credit loss provision to net charge-offs | 221.1538% | 1,982 |
| Earnings coverage of net charge-offs (x) | 27.3276% | 995 |
| Efficiency ratio | 53.4404% | 7,296 |
| Assets per employee ($millions) | 5.3581% | 1,742 |
| Cash dividends to net income (ytd only)* | 19.3547% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 3,714 |
| Loan loss allowance to noncurrent loans | 1,648.1481% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 7,535 |
| Noncurrent loans to loans | 0.0877% | 7,266 |
| Net loans and leases to total assets | 25.7478% | 7,876 |
| Net loans and leases to deposits | 29.5712% | 7,915 |
| Net loans and leases to core deposits | 41.8398% | 7,828 |
| Total domestic deposits to total assets | 87.0705% | 2,147 |
| Equity capital to assets | 12.6665% | 1,850 |
| Core capital (leverage) ratio | 11.3015% | 2,187 |
| Tier 1 risk-based capital ratio | 28.4425% | 659 |
| Total risk-based capital ratio | 29.3922% | 664 |
| Memoranda: | ||
| Average total assets | $121,370,000 | 4,564 |
| Average earning assets | $107,144,000 | 4,678 |
| Average equity | $14,106,500 | 4,269 |
| Average total loans | $30,525,750 | 6,656 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1904% | 7,833 |
| Cost of funding earning assets | 0.8396% | 7,771 |
| Net interest margin | 3.3508% | 5,357 |
| Noninterest income to average assets | 0.3803% | 5,463 |
| Noninterest expense to average assets | 1.7726% | 7,772 |
| Loan and lease loss provision to assets | 0.1306% | 5,789 |
| Net operating income to assets | 1.4412% | 941 |
| Return on assets (ROA) | 1.4412% | 1,008 |
| Pretax return on assets | 1.4412% | 1,619 |
| Return on Equity (ROE) | 12.7678% | 1,227 |
| Retained earnings to average equity (ytd only) | 10.2808% | 671 |
| Net charge-offs to loans | 0.0394% | 5,916 |
| Credit loss provision to net charge-offs | 1,333.3333% | 375 |
| Earnings coverage of net charge-offs (x) | 160.5000% | 258 |
| Efficiency ratio | 53.0015% | 7,438 |
| Assets per employee ($millions) | 5.4392% | 1,635 |
| Cash dividends to net income (ytd only)* | 19.4790% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 3,062 |
| Loan loss allowance to noncurrent loans | 1,060.4651% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 7,517 |
| Noncurrent loans to loans | 0.1438% | 7,157 |
| Net loans and leases to total assets | 24.6102% | 7,986 |
| Net loans and leases to deposits | 27.9907% | 8,013 |
| Net loans and leases to core deposits | 39.7026% | 7,932 |
| Total domestic deposits to total assets | 87.9226% | 1,808 |
| Equity capital to assets | 11.7865% | 2,333 |
| Core capital (leverage) ratio | 10.5983% | 2,731 |
| Tier 1 risk-based capital ratio | 27.0609% | 776 |
| Total risk-based capital ratio | 28.0129% | 773 |
| Memoranda: | ||
| Average total assets | $122,534,000 | 4,567 |
| Average earning assets | $108,390,670 | 4,673 |
| Average equity | $13,831,670 | 4,345 |
| Average total loans | $30,435,670 | 6,712 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 7,863 |
| Cost of funding earning assets | 0.9242% | 7,782 |
| Net interest margin | 3.3498% | 5,322 |
| Noninterest income to average assets | 0.3775% | 5,410 |
| Noninterest expense to average assets | 1.6520% | 7,868 |
| Loan and lease loss provision to assets | 0.1936% | 4,500 |
| Net operating income to assets | 1.4907% | 955 |
| Return on assets (ROA) | 1.4907% | 1,026 |
| Pretax return on assets | 1.4907% | 1,694 |
| Return on Equity (ROE) | 13.4935% | 1,268 |
| Retained earnings to average equity (ytd only) | 10.9817% | 973 |
| Net charge-offs to loans | 0.1824% | 3,539 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 37.2857% | 897 |
| Efficiency ratio | 49.5164% | 7,623 |
| Assets per employee ($millions) | 5.5284% | 1,531 |
| Cash dividends to net income (ytd only)* | 18.6147% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 3,454 |
| Loan loss allowance to noncurrent loans | 1,337.5000% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 7,551 |
| Noncurrent loans to loans | 0.1053% | 7,229 |
| Net loans and leases to total assets | 23.5567% | 8,043 |
| Net loans and leases to deposits | 26.5367% | 8,081 |
| Net loans and leases to core deposits | 38.3565% | 7,998 |
| Total domestic deposits to total assets | 88.7702% | 1,351 |
| Equity capital to assets | 11.0025% | 2,957 |
| Core capital (leverage) ratio | 10.1402% | 3,249 |
| Tier 1 risk-based capital ratio | 25.1303% | 971 |
| Total risk-based capital ratio | 25.9821% | 983 |
| Memoranda: | ||
| Average total assets | $123,970,000 | 4,543 |
| Average earning assets | $109,498,000 | 4,658 |
| Average equity | $13,695,500 | 4,403 |
| Average total loans | $30,701,000 | 6,722 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 7,754 |
| Cost of funding earning assets | 1.4709% | 7,653 |
| Net interest margin | 3.6489% | 4,684 |
| Noninterest income to average assets | 0.4378% | 5,135 |
| Noninterest expense to average assets | 1.8164% | 7,738 |
| Loan and lease loss provision to assets | 0.0090% | 7,257 |
| Net operating income to assets | 1.9177% | 417 |
| Return on assets (ROA) | 1.9177% | 403 |
| Pretax return on assets | 1.9177% | 736 |
| Return on Equity (ROE) | 17.1816% | 610 |
| Retained earnings to average equity (ytd only) | 8.5746% | 687 |
| Net charge-offs to loans | -0.0967% | 8,088 |
| Credit loss provision to net charge-offs | -33.3333% | 7,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5259% | 7,763 |
| Assets per employee ($millions) | 5.2516% | 1,684 |
| Cash dividends to net income (ytd only)* | 50.0943% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 4,296 |
| Loan loss allowance to noncurrent loans | 734.6154% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 7,415 |
| Noncurrent loans to loans | 0.1676% | 6,893 |
| Net loans and leases to total assets | 25.3661% | 8,080 |
| Net loans and leases to deposits | 28.6177% | 8,129 |
| Net loans and leases to core deposits | 40.6763% | 8,040 |
| Total domestic deposits to total assets | 88.6379% | 1,190 |
| Equity capital to assets | 11.0947% | 2,966 |
| Core capital (leverage) ratio | 10.8238% | 2,730 |
| Tier 1 risk-based capital ratio | 24.3197% | 1,048 |
| Total risk-based capital ratio | 25.0779% | 1,085 |
| Memoranda: | ||
| Average total assets | $110,546,800 | 4,762 |
| Average earning assets | $100,140,200 | 4,801 |
| Average equity | $12,338,800 | 4,746 |
| Average total loans | $31,026,800 | 6,650 |