Home > The Poplar Grove State Bank > Performance and Condition Ratios
The Poplar Grove State Bank, Performance and Condition Ratios
| 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 | 3.5749% | 4,303 |
| Cost of funding earning assets | 0.2602% | 4,596 |
| Net interest margin | 3.3147% | 3,346 |
| Noninterest income to average assets | 0.3793% | 3,202 |
| Noninterest expense to average assets | 1.6957% | 4,687 |
| Loan and lease loss provision to assets | 0.1507% | 2,497 |
| Net operating income to assets | 1.4772% | 962 |
| Return on assets (ROA) | 1.4772% | 1,049 |
| Pretax return on assets | 1.4772% | 1,508 |
| Return on Equity (ROE) | 9.7775% | 2,059 |
| Retained earnings to average equity (ytd only) | 9.7775% | 835 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0204% | 4,437 |
| Assets per employee ($millions) | 7.5010% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1971% | 4,993 |
| Loan loss allowance to noncurrent loans | 51.2821% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 3,806 |
| Noncurrent loans to loans | 0.3843% | 3,031 |
| Net loans and leases to total assets | 36.8230% | 4,703 |
| Net loans and leases to deposits | 46.3382% | 4,645 |
| Net loans and leases to core deposits | 46.9011% | 4,691 |
| Total domestic deposits to total assets | 79.4658% | 3,945 |
| Equity capital to assets | 15.2852% | 572 |
| Core capital (leverage) ratio | 11.8908% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,611,333 | 4,258 |
| Average earning assets | $70,715,667 | 4,298 |
| Average equity | $12,027,667 | 3,981 |
| Average total loans | $29,590,000 | 4,572 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 4,685 |
| Cost of funding earning assets | 0.3128% | 4,616 |
| Net interest margin | 3.1398% | 4,009 |
| Noninterest income to average assets | 0.4043% | 3,064 |
| Noninterest expense to average assets | 2.0112% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1668% | 1,634 |
| Return on assets (ROA) | 1.1668% | 1,744 |
| Pretax return on assets | 1.1668% | 2,314 |
| Return on Equity (ROE) | 7.7713% | 2,604 |
| Retained earnings to average equity (ytd only) | 7.7713% | 1,297 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2850% | 3,328 |
| Assets per employee ($millions) | 7.1002% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0889% | 5,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 43.1513% | 4,541 |
| Net loans and leases to deposits | 53.8250% | 4,456 |
| Net loans and leases to core deposits | 54.5084% | 4,547 |
| Total domestic deposits to total assets | 80.1695% | 3,827 |
| Equity capital to assets | 14.9945% | 761 |
| Core capital (leverage) ratio | 11.5905% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6362% | 1,045 |
| Memoranda: | ||
| Average total assets | $78,161,500 | 4,287 |
| Average earning assets | $69,049,500 | 4,329 |
| Average equity | $11,735,500 | 4,030 |
| Average total loans | $29,163,500 | 4,614 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 4,505 |
| Cost of funding earning assets | 0.2917% | 4,750 |
| Net interest margin | 3.5577% | 3,263 |
| Noninterest income to average assets | 0.5080% | 2,684 |
| Noninterest expense to average assets | 2.4937% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3432% | 1,530 |
| Return on assets (ROA) | 1.3456% | 1,599 |
| Pretax return on assets | 1.3539% | 2,317 |
| Return on Equity (ROE) | 5.4769% | 4,071 |
| Retained earnings to average equity (ytd only) | -76.4448% | 5,171 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8515% | 2,962 |
| Assets per employee ($millions) | 6.5184% | 1,272 |
| Cash dividends to net income (ytd only)* | 1,495.7560% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 4,006 |
| Noncurrent loans to loans | 0.4066% | 2,981 |
| Net loans and leases to total assets | 31.4430% | 4,946 |
| Net loans and leases to deposits | 37.2319% | 4,954 |
| Net loans and leases to core deposits | 37.6785% | 4,976 |
| Total domestic deposits to total assets | 84.4517% | 2,704 |
| Equity capital to assets | 15.0343% | 783 |
| Core capital (leverage) ratio | 9.7791% | 3,752 |
| Tier 1 risk-based capital ratio | 23.1831% | 899 |
| Total risk-based capital ratio | 23.1831% | 1,010 |
| Memoranda: | ||
| Average total assets | $84,052,000 | 4,227 |
| Average earning assets | $78,842,000 | 4,205 |
| Average equity | $20,650,200 | 3,073 |
| Average total loans | $25,818,800 | 4,732 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 4,697 |
| Cost of funding earning assets | 0.2837% | 4,838 |
| Net interest margin | 3.4961% | 3,573 |
| Noninterest income to average assets | 0.5130% | 2,650 |
| Noninterest expense to average assets | 1.7464% | 4,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0909% | 328 |
| Return on assets (ROA) | 2.0909% | 340 |
| Pretax return on assets | 2.0909% | 562 |
| Return on Equity (ROE) | 7.8170% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.7185% | 2,496 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5100% | 4,957 |
| Assets per employee ($millions) | 7.2048% | 951 |
| Cash dividends to net income (ytd only)* | 26.8457% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 4,295 |
| Loan loss allowance to noncurrent loans | 24.1458% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0155% | 1,316 |
| Noncurrent loans to loans | 3.4498% | 240 |
| Net loans and leases to total assets | 29.1922% | 5,065 |
| Net loans and leases to deposits | 40.7350% | 4,979 |
| Net loans and leases to core deposits | 41.4590% | 5,001 |
| Total domestic deposits to total assets | 71.6637% | 4,934 |
| Equity capital to assets | 27.4191% | 96 |
| Core capital (leverage) ratio | 26.7944% | 103 |
| Tier 1 risk-based capital ratio | 60.6364% | 91 |
| Total risk-based capital ratio | 61.2000% | 93 |
| Memoranda: | ||
| Average total assets | $85,509,750 | 4,265 |
| Average earning assets | $81,308,500 | 4,213 |
| Average equity | $22,872,750 | 2,901 |
| Average total loans | $26,124,750 | 4,794 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 4,603 |
| Cost of funding earning assets | 0.2864% | 4,856 |
| Net interest margin | 3.5846% | 3,315 |
| Noninterest income to average assets | 0.4531% | 2,941 |
| Noninterest expense to average assets | 1.7443% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1175% | 312 |
| Return on assets (ROA) | 2.1175% | 325 |
| Pretax return on assets | 2.1175% | 529 |
| Return on Equity (ROE) | 7.9841% | 3,298 |
| Retained earnings to average equity (ytd only) | 5.8597% | 2,348 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1672% | 5,021 |
| Assets per employee ($millions) | 7.1741% | 923 |
| Cash dividends to net income (ytd only)* | 26.6075% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 4,524 |
| Loan loss allowance to noncurrent loans | 24.0636% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0234% | 1,362 |
| Noncurrent loans to loans | 3.2225% | 291 |
| Net loans and leases to total assets | 31.5104% | 5,081 |
| Net loans and leases to deposits | 43.7645% | 4,955 |
| Net loans and leases to core deposits | 44.9837% | 4,983 |
| Total domestic deposits to total assets | 71.9999% | 4,975 |
| Equity capital to assets | 27.0488% | 99 |
| Core capital (leverage) ratio | 26.0418% | 106 |
| Tier 1 risk-based capital ratio | 55.8672% | 109 |
| Total risk-based capital ratio | 56.3938% | 112 |
| Memoranda: | ||
| Average total assets | $85,193,670 | 4,295 |
| Average earning assets | $81,013,000 | 4,249 |
| Average equity | $22,595,000 | 2,918 |
| Average total loans | $26,349,330 | 4,825 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,829 |
| Cost of funding earning assets | 0.2779% | 4,909 |
| Net interest margin | 3.4339% | 3,799 |
| Noninterest income to average assets | 0.4201% | 3,054 |
| Noninterest expense to average assets | 1.8030% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8833% | 472 |
| Return on assets (ROA) | 1.8833% | 490 |
| Pretax return on assets | 1.8833% | 823 |
| Return on Equity (ROE) | 7.1732% | 3,603 |
| Retained earnings to average equity (ytd only) | 5.0158% | 2,900 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9117% | 4,903 |
| Assets per employee ($millions) | 7.1600% | 934 |
| Cash dividends to net income (ytd only)* | 30.0752% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 4,449 |
| Loan loss allowance to noncurrent loans | 24.0636% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.0254% | 1,365 |
| Noncurrent loans to loans | 3.4186% | 268 |
| Net loans and leases to total assets | 29.7474% | 5,152 |
| Net loans and leases to deposits | 40.8826% | 5,065 |
| Net loans and leases to core deposits | 42.0109% | 5,079 |
| Total domestic deposits to total assets | 72.7630% | 5,009 |
| Equity capital to assets | 26.3303% | 100 |
| Core capital (leverage) ratio | 25.8567% | 101 |
| Tier 1 risk-based capital ratio | 57.0268% | 101 |
| Total risk-based capital ratio | 57.5736% | 100 |
| Memoranda: | ||
| Average total assets | $84,746,000 | 4,343 |
| Average earning assets | $80,608,500 | 4,295 |
| Average equity | $22,249,500 | 2,949 |
| Average total loans | $25,854,500 | 4,886 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4787% | 4,942 |
| Cost of funding earning assets | 0.1700% | 5,114 |
| Net interest margin | 3.3087% | 4,232 |
| Noninterest income to average assets | 0.4531% | 3,087 |
| Noninterest expense to average assets | 1.9479% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6255% | 823 |
| Return on assets (ROA) | 1.6372% | 793 |
| Pretax return on assets | 1.6560% | 1,295 |
| Return on Equity (ROE) | 6.4544% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.2271% | 3,226 |
| Net charge-offs to loans | 0.0303% | 2,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 174.6250% | 502 |
| Efficiency ratio | 54.2267% | 4,596 |
| Assets per employee ($millions) | 6.9643% | 989 |
| Cash dividends to net income (ytd only)* | 34.5075% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 4,472 |
| Loan loss allowance to noncurrent loans | 85.4839% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 3,224 |
| Noncurrent loans to loans | 0.9561% | 1,689 |
| Net loans and leases to total assets | 30.7830% | 5,194 |
| Net loans and leases to deposits | 42.2229% | 5,071 |
| Net loans and leases to core deposits | 43.4179% | 5,087 |
| Total domestic deposits to total assets | 72.9060% | 5,013 |
| Equity capital to assets | 26.1762% | 97 |
| Core capital (leverage) ratio | 25.6827% | 102 |
| Tier 1 risk-based capital ratio | 56.2244% | 97 |
| Total risk-based capital ratio | 56.7705% | 99 |
| Memoranda: | ||
| Average total assets | $84,962,600 | 4,340 |
| Average earning assets | $80,605,800 | 4,307 |
| Average equity | $21,551,200 | 2,933 |
| Average total loans | $26,430,200 | 4,896 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 5,000 |
| Cost of funding earning assets | 0.1499% | 5,217 |
| Net interest margin | 3.2839% | 4,330 |
| Noninterest income to average assets | 0.4439% | 3,211 |
| Noninterest expense to average assets | 1.6582% | 5,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9005% | 484 |
| Return on assets (ROA) | 1.9161% | 464 |
| Pretax return on assets | 1.9161% | 795 |
| Return on Equity (ROE) | 7.6136% | 3,703 |
| Retained earnings to average equity (ytd only) | 5.3779% | 3,016 |
| Net charge-offs to loans | 0.0402% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 151.9485% | 542 |
| Efficiency ratio | 46.5964% | 5,121 |
| Assets per employee ($millions) | 7.0348% | 920 |
| Cash dividends to net income (ytd only)* | 29.3638% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 4,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 4,418 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 30.9914% | 5,257 |
| Net loans and leases to deposits | 42.2111% | 5,149 |
| Net loans and leases to core deposits | 42.9829% | 5,180 |
| Total domestic deposits to total assets | 73.4200% | 5,027 |
| Equity capital to assets | 25.7188% | 103 |
| Core capital (leverage) ratio | 26.1626% | 95 |
| Tier 1 risk-based capital ratio | 56.1794% | 94 |
| Total risk-based capital ratio | 56.7262% | 97 |
| Memoranda: | ||
| Average total assets | $85,310,250 | 4,385 |
| Average earning assets | $80,919,000 | 4,351 |
| Average equity | $21,470,000 | 2,954 |
| Average total loans | $26,553,250 | 4,953 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4031% | 5,036 |
| Cost of funding earning assets | 0.1384% | 5,289 |
| Net interest margin | 3.2647% | 4,341 |
| Noninterest income to average assets | 0.4369% | 3,241 |
| Noninterest expense to average assets | 1.6634% | 5,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8596% | 513 |
| Return on assets (ROA) | 1.8690% | 503 |
| Pretax return on assets | 1.8690% | 840 |
| Return on Equity (ROE) | 7.4802% | 3,734 |
| Retained earnings to average equity (ytd only) | 5.2362% | 2,963 |
| Net charge-offs to loans | -0.0075% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2149% | 5,156 |
| Assets per employee ($millions) | 7.0290% | 910 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 4,650 |
| Loan loss allowance to noncurrent loans | 39.3238% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 2,018 |
| Noncurrent loans to loans | 2.0675% | 709 |
| Net loans and leases to total assets | 31.9652% | 5,288 |
| Net loans and leases to deposits | 43.4647% | 5,157 |
| Net loans and leases to core deposits | 44.2580% | 5,193 |
| Total domestic deposits to total assets | 73.5429% | 5,081 |
| Equity capital to assets | 25.5904% | 106 |
| Core capital (leverage) ratio | 25.6687% | 101 |
| Tier 1 risk-based capital ratio | 55.0650% | 105 |
| Total risk-based capital ratio | 55.6316% | 106 |
| Memoranda: | ||
| Average total assets | $85,608,000 | 4,418 |
| Average earning assets | $80,925,670 | 4,385 |
| Average equity | $21,389,670 | 2,978 |
| Average total loans | $26,613,000 | 5,006 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 5,072 |
| Cost of funding earning assets | 0.1426% | 5,302 |
| Net interest margin | 3.2102% | 4,429 |
| Noninterest income to average assets | 0.4360% | 3,197 |
| Noninterest expense to average assets | 1.6559% | 5,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8089% | 554 |
| Return on assets (ROA) | 1.7858% | 584 |
| Pretax return on assets | 1.7858% | 938 |
| Return on Equity (ROE) | 7.2328% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.9784% | 3,184 |
| Net charge-offs to loans | -0.0152% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7912% | 5,201 |
| Assets per employee ($millions) | 7.0600% | 936 |
| Cash dividends to net income (ytd only)* | 31.1688% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8344% | 4,690 |
| Loan loss allowance to noncurrent loans | 129.2398% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 3,761 |
| Noncurrent loans to loans | 0.6456% | 2,607 |
| Net loans and leases to total assets | 31.0021% | 5,346 |
| Net loans and leases to deposits | 41.8746% | 5,223 |
| Net loans and leases to core deposits | 43.0475% | 5,238 |
| Total domestic deposits to total assets | 74.0356% | 5,152 |
| Equity capital to assets | 25.1228% | 102 |
| Core capital (leverage) ratio | 25.0044% | 107 |
| Tier 1 risk-based capital ratio | 53.7478% | 109 |
| Total risk-based capital ratio | 54.3086% | 112 |
| Memoranda: | ||
| Average total assets | $86,238,000 | 4,456 |
| Average earning assets | $81,366,500 | 4,420 |
| Average equity | $21,292,000 | 3,019 |
| Average total loans | $26,328,000 | 5,068 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3403% | 5,032 |
| Cost of funding earning assets | 0.1911% | 5,010 |
| Net interest margin | 3.1493% | 4,579 |
| Noninterest income to average assets | 0.4708% | 3,183 |
| Noninterest expense to average assets | 1.8406% | 5,204 |
| Loan and lease loss provision to assets | 0.0178% | 3,944 |
| Net operating income to assets | 1.5442% | 731 |
| Return on assets (ROA) | 1.5560% | 723 |
| Pretax return on assets | 1.5761% | 1,360 |
| Return on Equity (ROE) | 6.2452% | 3,650 |
| Retained earnings to average equity (ytd only) | 4.4174% | 2,508 |
| Net charge-offs to loans | 0.3403% | 748 |
| Credit loss provision to net charge-offs | 17.6471% | 3,627 |
| Earnings coverage of net charge-offs (x) | 15.6941% | 2,230 |
| Efficiency ratio | 53.7769% | 4,965 |
| Assets per employee ($millions) | 6.7505% | 1,081 |
| Cash dividends to net income (ytd only)* | 29.2683% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 4,697 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,462 |
| Noncurrent loans to loans | 0.2675% | 3,828 |
| Net loans and leases to total assets | 29.5706% | 5,442 |
| Net loans and leases to deposits | 39.4701% | 5,351 |
| Net loans and leases to core deposits | 40.7135% | 5,369 |
| Total domestic deposits to total assets | 74.9191% | 5,102 |
| Equity capital to assets | 24.2718% | 110 |
| Core capital (leverage) ratio | 24.1748% | 110 |
| Tier 1 risk-based capital ratio | 54.4841% | 100 |
| Total risk-based capital ratio | 55.0572% | 101 |
| Memoranda: | ||
| Average total assets | $84,319,600 | 4,505 |
| Average earning assets | $79,033,800 | 4,478 |
| Average equity | $21,008,000 | 3,034 |
| Average total loans | $24,980,800 | 5,158 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3571% | 5,029 |
| Cost of funding earning assets | 0.2029% | 4,957 |
| Net interest margin | 3.1542% | 4,567 |
| Noninterest income to average assets | 0.4761% | 3,176 |
| Noninterest expense to average assets | 1.5688% | 5,476 |
| Loan and lease loss provision to assets | 0.0240% | 3,665 |
| Net operating income to assets | 1.8388% | 429 |
| Return on assets (ROA) | 1.8531% | 433 |
| Pretax return on assets | 1.8531% | 777 |
| Return on Equity (ROE) | 7.3878% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.5536% | 2,504 |
| Net charge-offs to loans | -0.0216% | 4,873 |
| Credit loss provision to net charge-offs | -375.0000% | 4,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7169% | 5,429 |
| Assets per employee ($millions) | 6.4004% | 1,248 |
| Cash dividends to net income (ytd only)* | 24.8275% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,834 |
| Loan loss allowance to noncurrent loans | 160.9375% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 2,871 |
| Noncurrent loans to loans | 0.7553% | 2,472 |
| Net loans and leases to total assets | 30.1797% | 5,496 |
| Net loans and leases to deposits | 41.1420% | 5,381 |
| Net loans and leases to core deposits | 43.1490% | 5,385 |
| Total domestic deposits to total assets | 73.3550% | 5,286 |
| Equity capital to assets | 25.8422% | 91 |
| Core capital (leverage) ratio | 25.0228% | 98 |
| Tier 1 risk-based capital ratio | 55.5727% | 101 |
| Total risk-based capital ratio | 56.3958% | 98 |
| Memoranda: | ||
| Average total assets | $83,460,500 | 4,571 |
| Average earning assets | $78,201,000 | 4,532 |
| Average equity | $20,935,000 | 3,068 |
| Average total loans | $24,683,500 | 5,223 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3446% | 5,036 |
| Cost of funding earning assets | 0.1611% | 5,267 |
| Net interest margin | 3.1835% | 4,468 |
| Noninterest income to average assets | 0.4740% | 3,187 |
| Noninterest expense to average assets | 1.5321% | 5,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9223% | 358 |
| Return on assets (ROA) | 1.9438% | 350 |
| Pretax return on assets | 1.9438% | 596 |
| Return on Equity (ROE) | 7.8280% | 3,135 |
| Retained earnings to average equity (ytd only) | 5.9771% | 2,134 |
| Net charge-offs to loans | -0.0327% | 4,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3520% | 5,514 |
| Assets per employee ($millions) | 6.4802% | 1,167 |
| Cash dividends to net income (ytd only)* | 23.6453% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 3,159 |
| Loan loss allowance to noncurrent loans | 414.0845% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 3,505 |
| Noncurrent loans to loans | 0.2841% | 4,022 |
| Net loans and leases to total assets | 29.3188% | 5,560 |
| Net loans and leases to deposits | 39.9744% | 5,454 |
| Net loans and leases to core deposits | 40.8592% | 5,474 |
| Total domestic deposits to total assets | 73.3438% | 5,348 |
| Equity capital to assets | 25.2982% | 95 |
| Core capital (leverage) ratio | 24.8679% | 99 |
| Tier 1 risk-based capital ratio | 57.9328% | 91 |
| Total risk-based capital ratio | 58.7592% | 91 |
| Memoranda: | ||
| Average total assets | $83,545,670 | 4,599 |
| Average earning assets | $78,216,670 | 4,562 |
| Average equity | $20,746,000 | 3,087 |
| Average total loans | $24,438,000 | 5,272 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3899% | 4,946 |
| Cost of funding earning assets | 0.1597% | 5,302 |
| Net interest margin | 3.2301% | 4,246 |
| Noninterest income to average assets | 0.4616% | 3,242 |
| Noninterest expense to average assets | 1.5722% | 5,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9039% | 361 |
| Return on assets (ROA) | 1.9039% | 375 |
| Pretax return on assets | 1.9039% | 627 |
| Return on Equity (ROE) | 7.7408% | 3,048 |
| Retained earnings to average equity (ytd only) | 5.8642% | 2,402 |
| Net charge-offs to loans | -0.0662% | 5,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2282% | 5,558 |
| Assets per employee ($millions) | 6.4045% | 1,230 |
| Cash dividends to net income (ytd only)* | 24.2424% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 3,113 |
| Loan loss allowance to noncurrent loans | 277.3585% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 3,408 |
| Noncurrent loans to loans | 0.4342% | 3,543 |
| Net loans and leases to total assets | 28.9686% | 5,610 |
| Net loans and leases to deposits | 39.2664% | 5,496 |
| Net loans and leases to core deposits | 40.1395% | 5,519 |
| Total domestic deposits to total assets | 73.7746% | 5,430 |
| Equity capital to assets | 24.8382% | 107 |
| Core capital (leverage) ratio | 24.4880% | 105 |
| Tier 1 risk-based capital ratio | 56.4458% | 95 |
| Total risk-based capital ratio | 57.2637% | 95 |
| Memoranda: | ||
| Average total assets | $83,197,000 | 4,653 |
| Average earning assets | $77,643,500 | 4,618 |
| Average equity | $20,463,000 | 3,130 |
| Average total loans | $24,160,500 | 5,330 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1897% | 5,318 |
| Cost of funding earning assets | 0.1701% | 5,286 |
| Net interest margin | 3.0195% | 4,920 |
| Noninterest income to average assets | 0.4865% | 3,319 |
| Noninterest expense to average assets | 1.8556% | 5,417 |
| Loan and lease loss provision to assets | 0.0181% | 4,016 |
| Net operating income to assets | 1.4246% | 958 |
| Return on assets (ROA) | 1.4282% | 979 |
| Pretax return on assets | 1.4451% | 1,767 |
| Return on Equity (ROE) | 5.7548% | 4,092 |
| Retained earnings to average equity (ytd only) | 3.8868% | 3,157 |
| Net charge-offs to loans | 0.8482% | 231 |
| Credit loss provision to net charge-offs | 7.2115% | 3,756 |
| Earnings coverage of net charge-offs (x) | 5.8125% | 3,281 |
| Efficiency ratio | 55.9723% | 5,074 |
| Assets per employee ($millions) | 6.3950% | 1,206 |
| Cash dividends to net income (ytd only)* | 32.4598% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 3,044 |
| Loan loss allowance to noncurrent loans | 157.6087% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 3,114 |
| Noncurrent loans to loans | 0.7696% | 2,606 |
| Net loans and leases to total assets | 28.4092% | 5,671 |
| Net loans and leases to deposits | 38.2527% | 5,598 |
| Net loans and leases to core deposits | 39.0975% | 5,617 |
| Total domestic deposits to total assets | 74.2672% | 5,421 |
| Equity capital to assets | 24.3532% | 110 |
| Core capital (leverage) ratio | 23.7016% | 114 |
| Tier 1 risk-based capital ratio | 56.5252% | 104 |
| Total risk-based capital ratio | 57.3452% | 106 |
| Memoranda: | ||
| Average total assets | $82,829,600 | 4,671 |
| Average earning assets | $77,594,600 | 4,636 |
| Average equity | $20,556,600 | 3,113 |
| Average total loans | $24,522,800 | 5,371 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1200% | 5,453 |
| Cost of funding earning assets | 0.1698% | 5,349 |
| Net interest margin | 2.9502% | 5,096 |
| Noninterest income to average assets | 0.4560% | 3,514 |
| Noninterest expense to average assets | 1.6192% | 5,675 |
| Loan and lease loss provision to assets | 0.0242% | 3,764 |
| Net operating income to assets | 1.5838% | 754 |
| Return on assets (ROA) | 1.5838% | 795 |
| Pretax return on assets | 1.5838% | 1,425 |
| Return on Equity (ROE) | 6.3517% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.4908% | 3,144 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1747% | 5,492 |
| Assets per employee ($millions) | 6.2668% | 1,256 |
| Cash dividends to net income (ytd only)* | 29.2981% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0312% | 689 |
| Loan loss allowance to noncurrent loans | 284.5714% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 2,479 |
| Noncurrent loans to loans | 0.7138% | 2,897 |
| Net loans and leases to total assets | 29.4836% | 5,723 |
| Net loans and leases to deposits | 40.5778% | 5,616 |
| Net loans and leases to core deposits | 41.4982% | 5,648 |
| Total domestic deposits to total assets | 72.6595% | 5,548 |
| Equity capital to assets | 25.9755% | 90 |
| Core capital (leverage) ratio | 24.1795% | 111 |
| Tier 1 risk-based capital ratio | 52.1041% | 121 |
| Total risk-based capital ratio | 53.3539% | 122 |
| Memoranda: | ||
| Average total assets | $82,753,250 | 4,709 |
| Average earning assets | $77,733,250 | 4,669 |
| Average equity | $20,634,250 | 3,131 |
| Average total loans | $24,676,500 | 5,417 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9575% | 5,679 |
| Cost of funding earning assets | 0.1719% | 5,392 |
| Net interest margin | 2.7856% | 5,446 |
| Noninterest income to average assets | 0.4448% | 3,562 |
| Noninterest expense to average assets | 1.5629% | 5,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4931% | 903 |
| Return on assets (ROA) | 1.4931% | 944 |
| Pretax return on assets | 1.4931% | 1,684 |
| Return on Equity (ROE) | 6.0709% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.1939% | 3,236 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1408% | 5,492 |
| Assets per employee ($millions) | 6.3803% | 1,145 |
| Cash dividends to net income (ytd only)* | 30.9179% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 811 |
| Loan loss allowance to noncurrent loans | 276.0000% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 2,556 |
| Noncurrent loans to loans | 0.7080% | 2,955 |
| Net loans and leases to total assets | 29.2197% | 5,795 |
| Net loans and leases to deposits | 39.9078% | 5,697 |
| Net loans and leases to core deposits | 40.7890% | 5,718 |
| Total domestic deposits to total assets | 73.2181% | 5,590 |
| Equity capital to assets | 25.4654% | 91 |
| Core capital (leverage) ratio | 23.8709% | 106 |
| Tier 1 risk-based capital ratio | 51.9998% | 121 |
| Total risk-based capital ratio | 53.2482% | 120 |
| Memoranda: | ||
| Average total assets | $83,181,330 | 4,737 |
| Average earning assets | $77,971,330 | 4,701 |
| Average equity | $20,458,330 | 3,148 |
| Average total loans | $24,729,330 | 5,473 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5987% | 4,612 |
| Cost of funding earning assets | 0.1794% | 5,380 |
| Net interest margin | 3.4193% | 3,803 |
| Noninterest income to average assets | 0.4034% | 3,804 |
| Noninterest expense to average assets | 1.6038% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0024% | 331 |
| Return on assets (ROA) | 2.0024% | 346 |
| Pretax return on assets | 2.0024% | 567 |
| Return on Equity (ROE) | 8.2876% | 2,766 |
| Retained earnings to average equity (ytd only) | 6.3796% | 2,194 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4740% | 5,857 |
| Assets per employee ($millions) | 6.4295% | 1,144 |
| Cash dividends to net income (ytd only)* | 23.0216% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9625% | 875 |
| Loan loss allowance to noncurrent loans | 276.0000% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8064% | 2,676 |
| Noncurrent loans to loans | 0.7110% | 3,068 |
| Net loans and leases to total assets | 28.8683% | 5,852 |
| Net loans and leases to deposits | 38.8338% | 5,749 |
| Net loans and leases to core deposits | 39.6702% | 5,780 |
| Total domestic deposits to total assets | 74.3381% | 5,583 |
| Equity capital to assets | 24.3399% | 106 |
| Core capital (leverage) ratio | 23.3665% | 113 |
| Tier 1 risk-based capital ratio | 53.6252% | 114 |
| Total risk-based capital ratio | 54.8758% | 114 |
| Memoranda: | ||
| Average total assets | $83,300,000 | 4,778 |
| Average earning assets | $78,028,000 | 4,745 |
| Average equity | $20,126,500 | 3,187 |
| Average total loans | $24,734,500 | 5,523 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6032% | 4,668 |
| Cost of funding earning assets | 0.1975% | 5,307 |
| Net interest margin | 3.4057% | 3,888 |
| Noninterest income to average assets | 0.5307% | 3,134 |
| Noninterest expense to average assets | 1.9582% | 5,530 |
| Loan and lease loss provision to assets | 0.0207% | 3,980 |
| Net operating income to assets | 1.7072% | 567 |
| Return on assets (ROA) | 1.7386% | 563 |
| Pretax return on assets | 1.7606% | 872 |
| Return on Equity (ROE) | 7.3440% | 3,337 |
| Retained earnings to average equity (ytd only) | 5.3650% | 2,162 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8134% | 5,593 |
| Assets per employee ($millions) | 6.3859% | 1,147 |
| Cash dividends to net income (ytd only)* | 26.9474% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 889 |
| Loan loss allowance to noncurrent loans | 276.0000% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.8721% | 2,490 |
| Noncurrent loans to loans | 0.7040% | 3,082 |
| Net loans and leases to total assets | 29.3603% | 5,909 |
| Net loans and leases to deposits | 39.3104% | 5,796 |
| Net loans and leases to core deposits | 41.6123% | 5,773 |
| Total domestic deposits to total assets | 74.6883% | 5,584 |
| Equity capital to assets | 23.9818% | 113 |
| Core capital (leverage) ratio | 23.1531% | 112 |
| Tier 1 risk-based capital ratio | 53.2228% | 110 |
| Total risk-based capital ratio | 54.4736% | 109 |
| Memoranda: | ||
| Average total assets | $81,962,000 | 4,828 |
| Average earning assets | $76,460,400 | 4,801 |
| Average equity | $19,403,600 | 3,231 |
| Average total loans | $24,931,600 | 5,556 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 4,786 |
| Cost of funding earning assets | 0.2011% | 5,367 |
| Net interest margin | 3.3828% | 4,025 |
| Noninterest income to average assets | 0.5157% | 3,258 |
| Noninterest expense to average assets | 1.7576% | 5,836 |
| Loan and lease loss provision to assets | 0.0277% | 3,691 |
| Net operating income to assets | 1.8866% | 439 |
| Return on assets (ROA) | 1.9290% | 420 |
| Pretax return on assets | 1.9290% | 685 |
| Return on Equity (ROE) | 8.1752% | 2,981 |
| Retained earnings to average equity (ytd only) | 6.1833% | 2,129 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8667% | 5,872 |
| Assets per employee ($millions) | 6.7249% | 974 |
| Cash dividends to net income (ytd only)* | 24.3655% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 1,159 |
| Loan loss allowance to noncurrent loans | 276.0000% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.9591% | 2,454 |
| Noncurrent loans to loans | 0.6727% | 3,309 |
| Net loans and leases to total assets | 31.6386% | 5,934 |
| Net loans and leases to deposits | 42.5618% | 5,779 |
| Net loans and leases to core deposits | 43.9510% | 5,794 |
| Total domestic deposits to total assets | 74.3355% | 5,683 |
| Equity capital to assets | 24.3411% | 107 |
| Core capital (leverage) ratio | 23.4798% | 114 |
| Tier 1 risk-based capital ratio | 51.0727% | 130 |
| Total risk-based capital ratio | 52.3225% | 127 |
| Memoranda: | ||
| Average total assets | $81,698,250 | 4,888 |
| Average earning assets | $76,227,500 | 4,860 |
| Average equity | $19,277,250 | 3,275 |
| Average total loans | $24,950,250 | 5,622 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 4,919 |
| Cost of funding earning assets | 0.2035% | 5,406 |
| Net interest margin | 3.3244% | 4,195 |
| Noninterest income to average assets | 0.5510% | 3,033 |
| Noninterest expense to average assets | 1.7530% | 5,922 |
| Loan and lease loss provision to assets | 0.0414% | 3,283 |
| Net operating income to assets | 1.8627% | 456 |
| Return on assets (ROA) | 1.8627% | 479 |
| Pretax return on assets | 1.8627% | 801 |
| Return on Equity (ROE) | 7.9769% | 3,071 |
| Retained earnings to average equity (ytd only) | 5.9722% | 2,258 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9333% | 5,967 |
| Assets per employee ($millions) | 6.8113% | 920 |
| Cash dividends to net income (ytd only)* | 25.1309% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 1,108 |
| Loan loss allowance to noncurrent loans | 276.0000% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 2,108 |
| Noncurrent loans to loans | 0.6996% | 3,389 |
| Net loans and leases to total assets | 30.0125% | 6,036 |
| Net loans and leases to deposits | 39.8599% | 5,905 |
| Net loans and leases to core deposits | 41.1256% | 5,928 |
| Total domestic deposits to total assets | 75.2949% | 5,674 |
| Equity capital to assets | 23.4156% | 120 |
| Core capital (leverage) ratio | 22.8895% | 119 |
| Tier 1 risk-based capital ratio | 52.6965% | 129 |
| Total risk-based capital ratio | 53.9462% | 129 |
| Memoranda: | ||
| Average total assets | $82,031,330 | 4,936 |
| Average earning assets | $76,645,670 | 4,900 |
| Average equity | $19,155,330 | 3,302 |
| Average total loans | $24,595,330 | 5,678 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4984% | 4,971 |
| Cost of funding earning assets | 0.2086% | 5,431 |
| Net interest margin | 3.2899% | 4,263 |
| Noninterest income to average assets | 0.4235% | 3,822 |
| Noninterest expense to average assets | 1.6257% | 6,091 |
| Loan and lease loss provision to assets | 0.0827% | 2,322 |
| Net operating income to assets | 1.7863% | 490 |
| Return on assets (ROA) | 1.7863% | 517 |
| Pretax return on assets | 1.7863% | 886 |
| Return on Equity (ROE) | 7.6604% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.6566% | 2,679 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5181% | 6,084 |
| Assets per employee ($millions) | 6.8253% | 930 |
| Cash dividends to net income (ytd only)* | 26.1580% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9576% | 1,165 |
| Loan loss allowance to noncurrent loans | 276.0000% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 1.5897% | 1,616 |
| Noncurrent loans to loans | 0.7093% | 3,497 |
| Net loans and leases to total assets | 29.5346% | 6,092 |
| Net loans and leases to deposits | 39.3788% | 5,935 |
| Net loans and leases to core deposits | 40.6302% | 5,953 |
| Total domestic deposits to total assets | 75.0012% | 5,831 |
| Equity capital to assets | 23.6704% | 115 |
| Core capital (leverage) ratio | 22.5242% | 124 |
| Tier 1 risk-based capital ratio | 53.3540% | 132 |
| Total risk-based capital ratio | 54.6052% | 132 |
| Memoranda: | ||
| Average total assets | $82,179,000 | 4,982 |
| Average earning assets | $76,720,000 | 4,946 |
| Average equity | $19,163,500 | 3,324 |
| Average total loans | $24,386,000 | 5,736 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5514% | 5,206 |
| Cost of funding earning assets | 0.2274% | 5,543 |
| Net interest margin | 3.3240% | 4,493 |
| Noninterest income to average assets | 0.5103% | 3,430 |
| Noninterest expense to average assets | 1.9018% | 5,938 |
| Loan and lease loss provision to assets | -0.0509% | 6,043 |
| Net operating income to assets | 1.7369% | 535 |
| Return on assets (ROA) | 1.7321% | 553 |
| Pretax return on assets | 1.7552% | 879 |
| Return on Equity (ROE) | 7.8964% | 3,186 |
| Retained earnings to average equity (ytd only) | 5.7745% | 2,081 |
| Net charge-offs to loans | 0.1863% | 2,179 |
| Credit loss provision to net charge-offs | -91.3043% | 5,504 |
| Earnings coverage of net charge-offs (x) | 30.6522% | 1,314 |
| Efficiency ratio | 52.6687% | 5,934 |
| Assets per employee ($millions) | 6.8712% | 897 |
| Cash dividends to net income (ytd only)* | 26.8719% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9337% | 1,228 |
| Loan loss allowance to noncurrent loans | 266.2857% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 1.5791% | 1,716 |
| Noncurrent loans to loans | 0.7262% | 3,507 |
| Net loans and leases to total assets | 28.6620% | 6,217 |
| Net loans and leases to deposits | 37.8564% | 6,111 |
| Net loans and leases to core deposits | 39.2132% | 6,115 |
| Total domestic deposits to total assets | 75.7125% | 5,782 |
| Equity capital to assets | 22.9704% | 131 |
| Core capital (leverage) ratio | 21.7480% | 144 |
| Tier 1 risk-based capital ratio | 49.7397% | 137 |
| Total risk-based capital ratio | 50.9892% | 136 |
| Memoranda: | ||
| Average total assets | $82,499,400 | 5,005 |
| Average earning assets | $76,955,000 | 4,958 |
| Average equity | $18,096,800 | 3,387 |
| Average total loans | $24,685,200 | 5,791 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5388% | 5,298 |
| Cost of funding earning assets | 0.2287% | 5,601 |
| Net interest margin | 3.3102% | 4,564 |
| Noninterest income to average assets | 0.4783% | 3,701 |
| Noninterest expense to average assets | 1.5981% | 6,286 |
| Loan and lease loss provision to assets | -0.0679% | 6,224 |
| Net operating income to assets | 2.0360% | 323 |
| Return on assets (ROA) | 2.0506% | 328 |
| Pretax return on assets | 2.0506% | 513 |
| Return on Equity (ROE) | 9.4597% | 2,467 |
| Retained earnings to average equity (ytd only) | 7.3128% | 1,662 |
| Net charge-offs to loans | 0.0108% | 4,360 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,965 |
| Earnings coverage of net charge-offs (x) | 608.2247% | 127 |
| Efficiency ratio | 44.8120% | 6,335 |
| Assets per employee ($millions) | 7.7328% | 580 |
| Cash dividends to net income (ytd only)* | 22.6950% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 1,123 |
| Loan loss allowance to noncurrent loans | 123.4867% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 2,078 |
| Noncurrent loans to loans | 1.6809% | 1,939 |
| Net loans and leases to total assets | 25.9284% | 6,360 |
| Net loans and leases to deposits | 32.9856% | 6,322 |
| Net loans and leases to core deposits | 33.8711% | 6,324 |
| Total domestic deposits to total assets | 78.6053% | 5,415 |
| Equity capital to assets | 20.2998% | 217 |
| Core capital (leverage) ratio | 22.7308% | 127 |
| Tier 1 risk-based capital ratio | 43.5551% | 196 |
| Total risk-based capital ratio | 44.7832% | 190 |
| Memoranda: | ||
| Average total assets | $82,510,750 | 5,054 |
| Average earning assets | $76,972,250 | 5,010 |
| Average equity | $17,886,000 | 3,432 |
| Average total loans | $24,831,750 | 5,848 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 4,972 |
| Cost of funding earning assets | 0.2447% | 5,537 |
| Net interest margin | 3.4176% | 4,109 |
| Noninterest income to average assets | 0.4957% | 3,507 |
| Noninterest expense to average assets | 1.6944% | 6,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9802% | 351 |
| Return on assets (ROA) | 1.9979% | 350 |
| Pretax return on assets | 1.9979% | 558 |
| Return on Equity (ROE) | 8.9931% | 2,605 |
| Retained earnings to average equity (ytd only) | 6.8074% | 1,864 |
| Net charge-offs to loans | 0.0161% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 391.5000% | 178 |
| Efficiency ratio | 46.1115% | 6,360 |
| Assets per employee ($millions) | 6.6358% | 953 |
| Cash dividends to net income (ytd only)* | 24.3038% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2156% | 1,002 |
| Loan loss allowance to noncurrent loans | 134.6341% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.7230% | 1,894 |
| Noncurrent loans to loans | 1.6457% | 2,115 |
| Net loans and leases to total assets | 30.5940% | 6,287 |
| Net loans and leases to deposits | 40.3752% | 6,136 |
| Net loans and leases to core deposits | 41.8829% | 6,153 |
| Total domestic deposits to total assets | 75.7742% | 5,938 |
| Equity capital to assets | 22.9650% | 124 |
| Core capital (leverage) ratio | 22.3359% | 127 |
| Tier 1 risk-based capital ratio | 45.6868% | 165 |
| Total risk-based capital ratio | 46.9383% | 167 |
| Memoranda: | ||
| Average total assets | $79,083,000 | 5,177 |
| Average earning assets | $73,559,330 | 5,150 |
| Average equity | $17,569,000 | 3,468 |
| Average total loans | $24,919,000 | 5,886 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6733% | 4,934 |
| Cost of funding earning assets | 0.2460% | 5,624 |
| Net interest margin | 3.4273% | 3,996 |
| Noninterest income to average assets | 0.4720% | 3,616 |
| Noninterest expense to average assets | 1.6140% | 6,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0404% | 315 |
| Return on assets (ROA) | 2.0454% | 323 |
| Pretax return on assets | 2.0454% | 482 |
| Return on Equity (ROE) | 9.3666% | 2,302 |
| Retained earnings to average equity (ytd only) | 7.1354% | 1,962 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1667% | 6,495 |
| Assets per employee ($millions) | 6.6871% | 932 |
| Cash dividends to net income (ytd only)* | 23.8213% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2306% | 1,119 |
| Loan loss allowance to noncurrent loans | 141.6880% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.7933% | 1,959 |
| Noncurrent loans to loans | 1.5743% | 2,454 |
| Net loans and leases to total assets | 30.2598% | 6,343 |
| Net loans and leases to deposits | 39.3543% | 6,191 |
| Net loans and leases to core deposits | 40.9844% | 6,199 |
| Total domestic deposits to total assets | 76.8908% | 5,977 |
| Equity capital to assets | 21.8419% | 150 |
| Core capital (leverage) ratio | 22.2899% | 131 |
| Tier 1 risk-based capital ratio | 45.1725% | 170 |
| Total risk-based capital ratio | 46.4254% | 170 |
| Memoranda: | ||
| Average total assets | $78,809,500 | 5,233 |
| Average earning assets | $73,177,000 | 5,200 |
| Average equity | $17,210,000 | 3,519 |
| Average total loans | $24,921,500 | 5,938 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 4,700 |
| Cost of funding earning assets | 0.2771% | 5,786 |
| Net interest margin | 3.5512% | 3,672 |
| Noninterest income to average assets | 0.5801% | 3,210 |
| Noninterest expense to average assets | 2.2590% | 5,482 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5772% | 724 |
| Return on assets (ROA) | 1.5874% | 729 |
| Pretax return on assets | 1.6135% | 1,135 |
| Return on Equity (ROE) | 7.0739% | 3,529 |
| Retained earnings to average equity (ytd only) | 4.8382% | 2,709 |
| Net charge-offs to loans | 0.1864% | 2,973 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 24.5400% | 1,361 |
| Efficiency ratio | 58.4912% | 5,675 |
| Assets per employee ($millions) | 6.4478% | 1,011 |
| Cash dividends to net income (ytd only)* | 31.6049% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2154% | 1,157 |
| Loan loss allowance to noncurrent loans | 119.3966% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.9541% | 1,847 |
| Noncurrent loans to loans | 1.8555% | 2,163 |
| Net loans and leases to total assets | 31.6036% | 6,413 |
| Net loans and leases to deposits | 41.1272% | 6,267 |
| Net loans and leases to core deposits | 43.0064% | 6,266 |
| Total domestic deposits to total assets | 76.8436% | 5,996 |
| Equity capital to assets | 21.8329% | 147 |
| Core capital (leverage) ratio | 21.9017% | 139 |
| Tier 1 risk-based capital ratio | 46.9225% | 152 |
| Total risk-based capital ratio | 48.1760% | 153 |
| Memoranda: | ||
| Average total assets | $76,539,600 | 5,316 |
| Average earning assets | $70,736,800 | 5,291 |
| Average equity | $17,175,800 | 3,538 |
| Average total loans | $26,829,400 | 5,895 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 4,678 |
| Cost of funding earning assets | 0.2799% | 5,890 |
| Net interest margin | 3.5655% | 3,597 |
| Noninterest income to average assets | 0.5624% | 3,376 |
| Noninterest expense to average assets | 1.8830% | 6,212 |
| Loan and lease loss provision to assets | 0.0524% | 3,981 |
| Net operating income to assets | 1.9197% | 424 |
| Return on assets (ROA) | 1.9494% | 415 |
| Pretax return on assets | 1.9494% | 651 |
| Return on Equity (ROE) | 8.6276% | 2,818 |
| Retained earnings to average equity (ytd only) | 6.4011% | 2,186 |
| Net charge-offs to loans | 0.1564% | 2,985 |
| Credit loss provision to net charge-offs | 93.7500% | 2,536 |
| Earnings coverage of net charge-offs (x) | 35.2777% | 1,097 |
| Efficiency ratio | 48.8446% | 6,460 |
| Assets per employee ($millions) | 6.4217% | 962 |
| Cash dividends to net income (ytd only)* | 25.8065% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 1,223 |
| Loan loss allowance to noncurrent loans | 112.9456% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 2.1594% | 1,849 |
| Noncurrent loans to loans | 2.0109% | 2,236 |
| Net loans and leases to total assets | 33.6154% | 6,379 |
| Net loans and leases to deposits | 43.9617% | 6,203 |
| Net loans and leases to core deposits | 45.7830% | 6,223 |
| Total domestic deposits to total assets | 76.4651% | 6,116 |
| Equity capital to assets | 22.2645% | 139 |
| Core capital (leverage) ratio | 22.4391% | 124 |
| Tier 1 risk-based capital ratio | 44.3603% | 180 |
| Total risk-based capital ratio | 45.6130% | 178 |
| Memoranda: | ||
| Average total assets | $76,331,000 | 5,370 |
| Average earning assets | $70,488,250 | 5,352 |
| Average equity | $17,246,500 | 3,570 |
| Average total loans | $27,285,000 | 5,934 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 4,698 |
| Cost of funding earning assets | 0.2810% | 5,974 |
| Net interest margin | 3.5571% | 3,529 |
| Noninterest income to average assets | 0.5310% | 3,628 |
| Noninterest expense to average assets | 1.8295% | 6,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9951% | 362 |
| Return on assets (ROA) | 2.0397% | 353 |
| Pretax return on assets | 2.0397% | 558 |
| Return on Equity (ROE) | 8.9834% | 2,614 |
| Retained earnings to average equity (ytd only) | 6.7607% | 1,998 |
| Net charge-offs to loans | 0.0290% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 189.7500% | 268 |
| Efficiency ratio | 47.8351% | 6,546 |
| Assets per employee ($millions) | 6.2643% | 1,040 |
| Cash dividends to net income (ytd only)* | 24.7423% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2379% | 1,355 |
| Loan loss allowance to noncurrent loans | 129.0323% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 2.2003% | 1,962 |
| Noncurrent loans to loans | 1.7344% | 2,718 |
| Net loans and leases to total assets | 34.8680% | 6,366 |
| Net loans and leases to deposits | 45.6232% | 6,133 |
| Net loans and leases to core deposits | 47.5587% | 6,152 |
| Total domestic deposits to total assets | 76.4261% | 6,204 |
| Equity capital to assets | 22.2849% | 131 |
| Core capital (leverage) ratio | 22.1147% | 122 |
| Tier 1 risk-based capital ratio | 45.6070% | 165 |
| Total risk-based capital ratio | 46.8622% | 164 |
| Memoranda: | ||
| Average total assets | $76,088,000 | 5,413 |
| Average earning assets | $70,450,330 | 5,378 |
| Average equity | $17,276,330 | 3,583 |
| Average total loans | $27,544,670 | 5,957 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8313% | 4,715 |
| Cost of funding earning assets | 0.2825% | 6,089 |
| Net interest margin | 3.5488% | 3,481 |
| Noninterest income to average assets | 0.4912% | 3,829 |
| Noninterest expense to average assets | 1.7610% | 6,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0119% | 334 |
| Return on assets (ROA) | 2.0119% | 363 |
| Pretax return on assets | 2.0119% | 577 |
| Return on Equity (ROE) | 8.7807% | 2,591 |
| Retained earnings to average equity (ytd only) | 6.5912% | 2,372 |
| Net charge-offs to loans | 0.0573% | 3,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 96.2500% | 393 |
| Efficiency ratio | 46.6759% | 6,664 |
| Assets per employee ($millions) | 6.5072% | 983 |
| Cash dividends to net income (ytd only)* | 24.9351% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2063% | 1,573 |
| Loan loss allowance to noncurrent loans | 129.3103% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 2.2142% | 2,106 |
| Noncurrent loans to loans | 1.7062% | 2,987 |
| Net loans and leases to total assets | 34.0586% | 6,417 |
| Net loans and leases to deposits | 44.7027% | 6,144 |
| Net loans and leases to core deposits | 46.5192% | 6,185 |
| Total domestic deposits to total assets | 76.1891% | 6,346 |
| Equity capital to assets | 22.5546% | 137 |
| Core capital (leverage) ratio | 21.8259% | 140 |
| Tier 1 risk-based capital ratio | 44.0137% | 180 |
| Total risk-based capital ratio | 45.2678% | 178 |
| Memoranda: | ||
| Average total assets | $76,546,000 | 5,450 |
| Average earning assets | $70,785,000 | 5,419 |
| Average equity | $17,538,500 | 3,587 |
| Average total loans | $27,911,500 | 5,992 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 5,134 |
| Cost of funding earning assets | 0.3511% | 6,205 |
| Net interest margin | 3.7024% | 3,630 |
| Noninterest income to average assets | 0.5176% | 3,787 |
| Noninterest expense to average assets | 2.0014% | 6,320 |
| Loan and lease loss provision to assets | 0.5592% | 1,016 |
| Net operating income to assets | 1.3592% | 1,182 |
| Return on assets (ROA) | 1.3707% | 1,273 |
| Pretax return on assets | 1.3967% | 2,048 |
| Return on Equity (ROE) | 6.1773% | 4,074 |
| Retained earnings to average equity (ytd only) | 3.9267% | 3,441 |
| Net charge-offs to loans | 0.7031% | 1,682 |
| Credit loss provision to net charge-offs | 197.2477% | 1,321 |
| Earnings coverage of net charge-offs (x) | 6.8578% | 2,721 |
| Efficiency ratio | 50.7251% | 6,540 |
| Assets per employee ($millions) | 6.2505% | 1,137 |
| Cash dividends to net income (ytd only)* | 36.4326% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1098% | 1,747 |
| Loan loss allowance to noncurrent loans | 107.0922% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 2.4651% | 1,985 |
| Noncurrent loans to loans | 1.9701% | 2,725 |
| Net loans and leases to total assets | 37.3623% | 6,344 |
| Net loans and leases to deposits | 49.5553% | 5,986 |
| Net loans and leases to core deposits | 51.6733% | 6,037 |
| Total domestic deposits to total assets | 75.3953% | 6,414 |
| Equity capital to assets | 23.2848% | 118 |
| Core capital (leverage) ratio | 21.2368% | 153 |
| Tier 1 risk-based capital ratio | 43.2225% | 188 |
| Total risk-based capital ratio | 44.4760% | 187 |
| Memoranda: | ||
| Average total assets | $76,896,000 | 5,437 |
| Average earning assets | $71,197,200 | 5,389 |
| Average equity | $17,062,600 | 3,619 |
| Average total loans | $31,005,400 | 5,896 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 5,524 |
| Cost of funding earning assets | 0.3622% | 6,319 |
| Net interest margin | 3.6354% | 4,078 |
| Noninterest income to average assets | 0.5118% | 3,847 |
| Noninterest expense to average assets | 1.7716% | 6,709 |
| Loan and lease loss provision to assets | 0.6549% | 801 |
| Net operating income to assets | 1.4579% | 1,106 |
| Return on assets (ROA) | 1.4579% | 1,225 |
| Pretax return on assets | 1.4579% | 2,043 |
| Return on Equity (ROE) | 6.6500% | 3,989 |
| Retained earnings to average equity (ytd only) | 4.3862% | 3,802 |
| Net charge-offs to loans | 0.8523% | 1,291 |
| Credit loss provision to net charge-offs | 188.1188% | 1,470 |
| Earnings coverage of net charge-offs (x) | 6.0692% | 2,858 |
| Efficiency ratio | 45.6078% | 6,832 |
| Assets per employee ($millions) | 6.4428% | 976 |
| Cash dividends to net income (ytd only)* | 34.0426% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 2,717 |
| Loan loss allowance to noncurrent loans | 61.1588% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.7356% | 1,931 |
| Noncurrent loans to loans | 2.9827% | 1,876 |
| Net loans and leases to total assets | 39.6790% | 6,311 |
| Net loans and leases to deposits | 52.0664% | 5,972 |
| Net loans and leases to core deposits | 54.1958% | 6,037 |
| Total domestic deposits to total assets | 76.2084% | 6,355 |
| Equity capital to assets | 22.5512% | 151 |
| Core capital (leverage) ratio | 20.4217% | 196 |
| Tier 1 risk-based capital ratio | 39.8796% | 248 |
| Total risk-based capital ratio | 41.1305% | 241 |
| Memoranda: | ||
| Average total assets | $77,368,500 | 5,479 |
| Average earning assets | $71,773,000 | 5,437 |
| Average equity | $16,962,000 | 3,666 |
| Average total loans | $31,599,750 | 5,942 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 5,740 |
| Cost of funding earning assets | 0.3673% | 6,432 |
| Net interest margin | 3.6007% | 4,253 |
| Noninterest income to average assets | 0.5324% | 3,708 |
| Noninterest expense to average assets | 1.8375% | 6,704 |
| Loan and lease loss provision to assets | 0.6203% | 937 |
| Net operating income to assets | 1.4188% | 1,154 |
| Return on assets (ROA) | 1.4188% | 1,287 |
| Pretax return on assets | 1.4188% | 2,133 |
| Return on Equity (ROE) | 6.5340% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.2489% | 3,779 |
| Net charge-offs to loans | 0.3216% | 2,748 |
| Credit loss provision to net charge-offs | 470.5882% | 640 |
| Earnings coverage of net charge-offs (x) | 15.4706% | 1,646 |
| Efficiency ratio | 47.4000% | 6,810 |
| Assets per employee ($millions) | 6.6958% | 856 |
| Cash dividends to net income (ytd only)* | 34.9727% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 2,691 |
| Loan loss allowance to noncurrent loans | 45.0737% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 2.6111% | 2,123 |
| Noncurrent loans to loans | 4.1162% | 1,332 |
| Net loans and leases to total assets | 38.2502% | 6,460 |
| Net loans and leases to deposits | 49.3434% | 6,215 |
| Net loans and leases to core deposits | 51.0294% | 6,298 |
| Total domestic deposits to total assets | 77.5184% | 6,244 |
| Equity capital to assets | 21.2968% | 188 |
| Core capital (leverage) ratio | 20.7158% | 174 |
| Tier 1 risk-based capital ratio | 38.7010% | 259 |
| Total risk-based capital ratio | 39.9496% | 252 |
| Memoranda: | ||
| Average total assets | $77,387,000 | 5,511 |
| Average earning assets | $71,874,330 | 5,465 |
| Average equity | $16,804,330 | 3,682 |
| Average total loans | $31,717,330 | 5,979 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0615% | 5,575 |
| Cost of funding earning assets | 0.3999% | 6,412 |
| Net interest margin | 3.6616% | 3,999 |
| Noninterest income to average assets | 0.4795% | 4,066 |
| Noninterest expense to average assets | 1.8655% | 6,707 |
| Loan and lease loss provision to assets | 0.8695% | 519 |
| Net operating income to assets | 1.1224% | 1,977 |
| Return on assets (ROA) | 1.1224% | 2,163 |
| Pretax return on assets | 1.1224% | 3,229 |
| Return on Equity (ROE) | 5.1170% | 4,730 |
| Retained earnings to average equity (ytd only) | 2.8107% | 4,851 |
| Net charge-offs to loans | 0.5138% | 1,806 |
| Credit loss provision to net charge-offs | 402.4390% | 781 |
| Earnings coverage of net charge-offs (x) | 9.2195% | 1,868 |
| Efficiency ratio | 48.3607% | 6,777 |
| Assets per employee ($millions) | 6.4420% | 1,012 |
| Cash dividends to net income (ytd only)* | 45.0704% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 3,551 |
| Loan loss allowance to noncurrent loans | 53.5900% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.6946% | 2,186 |
| Noncurrent loans to loans | 3.0751% | 2,084 |
| Net loans and leases to total assets | 39.7599% | 6,365 |
| Net loans and leases to deposits | 51.5757% | 6,020 |
| Net loans and leases to core deposits | 53.4195% | 6,103 |
| Total domestic deposits to total assets | 77.0904% | 6,392 |
| Equity capital to assets | 21.6509% | 155 |
| Core capital (leverage) ratio | 20.6898% | 174 |
| Tier 1 risk-based capital ratio | 38.6267% | 255 |
| Total risk-based capital ratio | 39.8723% | 250 |
| Memoranda: | ||
| Average total assets | $75,905,500 | 5,599 |
| Average earning assets | $70,024,000 | 5,562 |
| Average equity | $16,650,500 | 3,703 |
| Average total loans | $31,918,500 | 6,013 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 5,690 |
| Cost of funding earning assets | 0.4859% | 6,590 |
| Net interest margin | 3.8362% | 3,644 |
| Noninterest income to average assets | 0.5514% | 3,496 |
| Noninterest expense to average assets | 1.9852% | 6,697 |
| Loan and lease loss provision to assets | 0.5968% | 1,736 |
| Net operating income to assets | 1.4917% | 843 |
| Return on assets (ROA) | 1.5419% | 822 |
| Pretax return on assets | 1.5620% | 1,304 |
| Return on Equity (ROE) | 7.2778% | 3,259 |
| Retained earnings to average equity (ytd only) | 4.8582% | 2,743 |
| Net charge-offs to loans | 1.4757% | 1,088 |
| Credit loss provision to net charge-offs | 91.0387% | 3,967 |
| Earnings coverage of net charge-offs (x) | 3.2159% | 3,609 |
| Efficiency ratio | 48.4997% | 6,920 |
| Assets per employee ($millions) | 6.2089% | 1,099 |
| Cash dividends to net income (ytd only)* | 33.2468% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 5,373 |
| Loan loss allowance to noncurrent loans | 41.2198% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 2.8387% | 2,131 |
| Noncurrent loans to loans | 2.9184% | 2,234 |
| Net loans and leases to total assets | 43.2094% | 6,274 |
| Net loans and leases to deposits | 56.5194% | 5,835 |
| Net loans and leases to core deposits | 61.7903% | 5,679 |
| Total domestic deposits to total assets | 76.4505% | 6,422 |
| Equity capital to assets | 22.2315% | 150 |
| Core capital (leverage) ratio | 20.5413% | 180 |
| Tier 1 risk-based capital ratio | 37.9370% | 272 |
| Total risk-based capital ratio | 38.8900% | 271 |
| Memoranda: | ||
| Average total assets | $74,905,600 | 5,610 |
| Average earning assets | $69,156,200 | 5,570 |
| Average equity | $15,870,200 | 3,747 |
| Average total loans | $33,271,600 | 5,992 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 5,973 |
| Cost of funding earning assets | 0.5015% | 6,688 |
| Net interest margin | 3.7894% | 3,927 |
| Noninterest income to average assets | 0.5528% | 3,499 |
| Noninterest expense to average assets | 1.6372% | 7,148 |
| Loan and lease loss provision to assets | 0.4800% | 2,067 |
| Net operating income to assets | 1.9411% | 388 |
| Return on assets (ROA) | 1.9536% | 415 |
| Pretax return on assets | 1.9536% | 684 |
| Return on Equity (ROE) | 9.3351% | 2,451 |
| Retained earnings to average equity (ytd only) | 6.8888% | 2,035 |
| Net charge-offs to loans | 1.0326% | 1,550 |
| Credit loss provision to net charge-offs | 104.2471% | 3,194 |
| Earnings coverage of net charge-offs (x) | 5.2587% | 2,833 |
| Efficiency ratio | 40.3417% | 7,251 |
| Assets per employee ($millions) | 6.2390% | 1,064 |
| Cash dividends to net income (ytd only)* | 26.2056% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,842 |
| Loan loss allowance to noncurrent loans | 47.4522% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 2.9064% | 2,225 |
| Noncurrent loans to loans | 2.8146% | 2,474 |
| Net loans and leases to total assets | 44.1056% | 6,324 |
| Net loans and leases to deposits | 57.7593% | 5,861 |
| Net loans and leases to core deposits | 60.1388% | 5,983 |
| Total domestic deposits to total assets | 76.3611% | 6,478 |
| Equity capital to assets | 22.2151% | 166 |
| Core capital (leverage) ratio | 21.0899% | 173 |
| Tier 1 risk-based capital ratio | 37.3904% | 294 |
| Total risk-based capital ratio | 38.4586% | 291 |
| Memoranda: | ||
| Average total assets | $75,005,250 | 5,646 |
| Average earning assets | $69,384,750 | 5,601 |
| Average equity | $15,696,750 | 3,789 |
| Average total loans | $33,443,000 | 6,039 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 6,025 |
| Cost of funding earning assets | 0.5149% | 6,797 |
| Net interest margin | 3.7852% | 3,863 |
| Noninterest income to average assets | 0.5543% | 3,442 |
| Noninterest expense to average assets | 1.6096% | 7,249 |
| Loan and lease loss provision to assets | 0.4797% | 2,064 |
| Net operating income to assets | 1.9720% | 359 |
| Return on assets (ROA) | 1.9800% | 371 |
| Pretax return on assets | 1.9800% | 609 |
| Return on Equity (ROE) | 9.6588% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.1628% | 1,803 |
| Net charge-offs to loans | 0.6580% | 2,201 |
| Credit loss provision to net charge-offs | 163.6364% | 1,850 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 2,075 |
| Efficiency ratio | 39.6325% | 7,342 |
| Assets per employee ($millions) | 5.6977% | 1,396 |
| Cash dividends to net income (ytd only)* | 25.8412% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 4,042 |
| Loan loss allowance to noncurrent loans | 36.2527% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 3.5466% | 1,848 |
| Noncurrent loans to loans | 4.1895% | 1,627 |
| Net loans and leases to total assets | 44.2082% | 6,418 |
| Net loans and leases to deposits | 57.4564% | 5,998 |
| Net loans and leases to core deposits | 59.8279% | 6,101 |
| Total domestic deposits to total assets | 76.9421% | 6,459 |
| Equity capital to assets | 21.4986% | 194 |
| Core capital (leverage) ratio | 20.5550% | 201 |
| Tier 1 risk-based capital ratio | 36.9962% | 301 |
| Total risk-based capital ratio | 38.2105% | 294 |
| Memoranda: | ||
| Average total assets | $75,051,000 | 5,691 |
| Average earning assets | $69,534,330 | 5,643 |
| Average equity | $15,385,000 | 3,840 |
| Average total loans | $33,434,670 | 6,109 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 6,038 |
| Cost of funding earning assets | 0.5163% | 6,915 |
| Net interest margin | 3.7746% | 3,737 |
| Noninterest income to average assets | 0.5772% | 3,325 |
| Noninterest expense to average assets | 1.5568% | 7,333 |
| Loan and lease loss provision to assets | 0.4766% | 1,846 |
| Net operating income to assets | 2.0280% | 333 |
| Return on assets (ROA) | 2.0280% | 351 |
| Pretax return on assets | 2.0280% | 530 |
| Return on Equity (ROE) | 10.1353% | 2,051 |
| Retained earnings to average equity (ytd only) | 7.5949% | 1,890 |
| Net charge-offs to loans | -0.0119% | 6,414 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3312% | 7,417 |
| Assets per employee ($millions) | 5.8571% | 1,296 |
| Cash dividends to net income (ytd only)* | 25.0653% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 3,784 |
| Loan loss allowance to noncurrent loans | 36.0959% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 3.5408% | 1,921 |
| Noncurrent loans to loans | 4.3989% | 1,602 |
| Net loans and leases to total assets | 42.8975% | 6,550 |
| Net loans and leases to deposits | 54.8064% | 6,230 |
| Net loans and leases to core deposits | 57.8454% | 6,276 |
| Total domestic deposits to total assets | 78.2709% | 6,340 |
| Equity capital to assets | 20.2057% | 248 |
| Core capital (leverage) ratio | 19.9254% | 234 |
| Tier 1 risk-based capital ratio | 35.1643% | 344 |
| Total risk-based capital ratio | 36.3899% | 336 |
| Memoranda: | ||
| Average total assets | $75,541,500 | 5,711 |
| Average earning assets | $69,728,500 | 5,682 |
| Average equity | $15,115,500 | 3,881 |
| Average total loans | $33,527,000 | 6,152 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 6,225 |
| Cost of funding earning assets | 0.7019% | 6,885 |
| Net interest margin | 3.8556% | 3,711 |
| Noninterest income to average assets | 0.6056% | 3,440 |
| Noninterest expense to average assets | 1.9106% | 7,141 |
| Loan and lease loss provision to assets | 0.5874% | 2,785 |
| Net operating income to assets | 1.5707% | 660 |
| Return on assets (ROA) | 1.5707% | 721 |
| Pretax return on assets | 1.5959% | 1,139 |
| Return on Equity (ROE) | 7.5380% | 2,879 |
| Retained earnings to average equity (ytd only) | 4.9605% | 2,433 |
| Net charge-offs to loans | 0.8248% | 2,569 |
| Credit loss provision to net charge-offs | 152.1739% | 2,359 |
| Earnings coverage of net charge-offs (x) | 5.6558% | 2,571 |
| Efficiency ratio | 46.6689% | 7,329 |
| Assets per employee ($millions) | 5.7647% | 1,381 |
| Cash dividends to net income (ytd only)* | 34.1941% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 5,065 |
| Loan loss allowance to noncurrent loans | 38.0122% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 3.1798% | 2,225 |
| Noncurrent loans to loans | 3.3871% | 2,244 |
| Net loans and leases to total assets | 44.6058% | 6,668 |
| Net loans and leases to deposits | 56.7529% | 6,375 |
| Net loans and leases to core deposits | 59.9347% | 6,394 |
| Total domestic deposits to total assets | 78.5965% | 6,190 |
| Equity capital to assets | 19.8103% | 269 |
| Core capital (leverage) ratio | 19.3053% | 274 |
| Tier 1 risk-based capital ratio | 34.6726% | 353 |
| Total risk-based capital ratio | 35.6916% | 354 |
| Memoranda: | ||
| Average total assets | $71,497,200 | 5,839 |
| Average earning assets | $64,684,400 | 5,837 |
| Average equity | $14,897,800 | 3,958 |
| Average total loans | $33,464,400 | 6,235 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 6,406 |
| Cost of funding earning assets | 0.7288% | 6,976 |
| Net interest margin | 3.8472% | 3,764 |
| Noninterest income to average assets | 0.5946% | 3,474 |
| Noninterest expense to average assets | 1.6913% | 7,443 |
| Loan and lease loss provision to assets | 0.6229% | 2,444 |
| Net operating income to assets | 1.7479% | 569 |
| Return on assets (ROA) | 1.7479% | 621 |
| Pretax return on assets | 1.7479% | 1,017 |
| Return on Equity (ROE) | 8.2802% | 2,801 |
| Retained earnings to average equity (ytd only) | 5.7049% | 2,541 |
| Net charge-offs to loans | 0.9871% | 2,029 |
| Credit loss provision to net charge-offs | 133.6032% | 3,024 |
| Earnings coverage of net charge-offs (x) | 5.0849% | 2,857 |
| Efficiency ratio | 41.6357% | 7,540 |
| Assets per employee ($millions) | 5.8294% | 1,370 |
| Cash dividends to net income (ytd only)* | 31.1014% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 5,757 |
| Loan loss allowance to noncurrent loans | 38.8601% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 2.9163% | 2,488 |
| Noncurrent loans to loans | 2.9346% | 2,718 |
| Net loans and leases to total assets | 42.8980% | 6,915 |
| Net loans and leases to deposits | 55.0217% | 6,686 |
| Net loans and leases to core deposits | 57.8977% | 6,736 |
| Total domestic deposits to total assets | 77.9657% | 6,265 |
| Equity capital to assets | 20.4838% | 259 |
| Core capital (leverage) ratio | 20.2783% | 238 |
| Tier 1 risk-based capital ratio | 35.2496% | 341 |
| Total risk-based capital ratio | 36.1468% | 341 |
| Memoranda: | ||
| Average total assets | $70,636,250 | 5,930 |
| Average earning assets | $63,664,500 | 5,931 |
| Average equity | $14,910,750 | 4,008 |
| Average total loans | $33,364,500 | 6,326 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 6,246 |
| Cost of funding earning assets | 0.7622% | 7,028 |
| Net interest margin | 3.9080% | 3,408 |
| Noninterest income to average assets | 0.5775% | 3,494 |
| Noninterest expense to average assets | 1.7295% | 7,480 |
| Loan and lease loss provision to assets | 0.6964% | 2,086 |
| Net operating income to assets | 1.6628% | 632 |
| Return on assets (ROA) | 1.6628% | 679 |
| Pretax return on assets | 1.6628% | 1,134 |
| Return on Equity (ROE) | 7.7924% | 2,969 |
| Retained earnings to average equity (ytd only) | 5.1813% | 2,798 |
| Net charge-offs to loans | 1.2409% | 1,539 |
| Credit loss provision to net charge-offs | 115.3846% | 3,516 |
| Earnings coverage of net charge-offs (x) | 3.9087% | 3,126 |
| Efficiency ratio | 42.2995% | 7,574 |
| Assets per employee ($millions) | 5.3224% | 1,787 |
| Cash dividends to net income (ytd only)* | 33.5079% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,602 |
| Loan loss allowance to noncurrent loans | 24.3976% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 3.7187% | 1,879 |
| Noncurrent loans to loans | 3.8863% | 1,968 |
| Net loans and leases to total assets | 48.9182% | 6,553 |
| Net loans and leases to deposits | 64.2587% | 6,006 |
| Net loans and leases to core deposits | 68.0424% | 6,051 |
| Total domestic deposits to total assets | 76.1270% | 6,666 |
| Equity capital to assets | 21.6112% | 218 |
| Core capital (leverage) ratio | 21.1723% | 198 |
| Tier 1 risk-based capital ratio | 35.5325% | 334 |
| Total risk-based capital ratio | 36.3277% | 341 |
| Memoranda: | ||
| Average total assets | $68,921,000 | 6,008 |
| Average earning assets | $61,923,670 | 6,025 |
| Average equity | $14,706,670 | 4,048 |
| Average total loans | $33,524,670 | 6,359 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 6,631 |
| Cost of funding earning assets | 0.7988% | 7,093 |
| Net interest margin | 3.7732% | 3,905 |
| Noninterest income to average assets | 0.5350% | 3,778 |
| Noninterest expense to average assets | 1.6980% | 7,579 |
| Loan and lease loss provision to assets | 0.4071% | 2,924 |
| Net operating income to assets | 1.8085% | 485 |
| Return on assets (ROA) | 1.8085% | 535 |
| Pretax return on assets | 1.8085% | 862 |
| Return on Equity (ROE) | 8.5302% | 2,652 |
| Retained earnings to average equity (ytd only) | 5.8971% | 2,666 |
| Net charge-offs to loans | 0.1084% | 4,341 |
| Credit loss provision to net charge-offs | 777.7778% | 580 |
| Earnings coverage of net charge-offs (x) | 42.3333% | 655 |
| Efficiency ratio | 43.3878% | 7,637 |
| Assets per employee ($millions) | 5.2444% | 1,919 |
| Cash dividends to net income (ytd only)* | 30.8682% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 6,157 |
| Loan loss allowance to noncurrent loans | 24.7719% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 4.0395% | 1,696 |
| Noncurrent loans to loans | 4.3059% | 1,766 |
| Net loans and leases to total assets | 48.0235% | 6,674 |
| Net loans and leases to deposits | 61.8969% | 6,284 |
| Net loans and leases to core deposits | 65.0604% | 6,369 |
| Total domestic deposits to total assets | 77.5863% | 6,431 |
| Equity capital to assets | 21.5879% | 225 |
| Core capital (leverage) ratio | 20.8142% | 218 |
| Tier 1 risk-based capital ratio | 33.6912% | 387 |
| Total risk-based capital ratio | 34.5222% | 394 |
| Memoranda: | ||
| Average total assets | $68,786,000 | 6,077 |
| Average earning assets | $61,592,500 | 6,103 |
| Average equity | $14,583,500 | 4,102 |
| Average total loans | $33,201,500 | 6,453 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 6,594 |
| Cost of funding earning assets | 1.0770% | 7,041 |
| Net interest margin | 3.8696% | 3,396 |
| Noninterest income to average assets | 0.5036% | 4,380 |
| Noninterest expense to average assets | 2.1326% | 7,116 |
| Loan and lease loss provision to assets | 0.4431% | 4,171 |
| Net operating income to assets | 1.4459% | 772 |
| Return on assets (ROA) | 1.4459% | 830 |
| Pretax return on assets | 1.4621% | 1,284 |
| Return on Equity (ROE) | 7.0298% | 2,776 |
| Retained earnings to average equity (ytd only) | 4.2725% | 2,234 |
| Net charge-offs to loans | 0.7723% | 2,892 |
| Credit loss provision to net charge-offs | 116.2791% | 4,668 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,720 |
| Efficiency ratio | 52.8164% | 7,334 |
| Assets per employee ($millions) | 5.3381% | 1,799 |
| Cash dividends to net income (ytd only)* | 39.2237% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 6,901 |
| Loan loss allowance to noncurrent loans | 42.9412% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 1.8978% | 3,534 |
| Noncurrent loans to loans | 2.0415% | 3,598 |
| Net loans and leases to total assets | 47.5784% | 6,837 |
| Net loans and leases to deposits | 60.8350% | 6,577 |
| Net loans and leases to core deposits | 70.6699% | 6,730 |
| Total domestic deposits to total assets | 78.2088% | 6,174 |
| Equity capital to assets | 20.8214% | 256 |
| Core capital (leverage) ratio | 19.9977% | 280 |
| Tier 1 risk-based capital ratio | 33.9753% | 373 |
| Total risk-based capital ratio | 34.6791% | 382 |
| Memoranda: | ||
| Average total assets | $67,711,000 | 6,089 |
| Average earning assets | $61,841,000 | 6,064 |
| Average equity | $13,926,400 | 4,271 |
| Average total loans | $33,405,400 | 6,434 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 6,819 |
| Cost of funding earning assets | 1.1372% | 7,072 |
| Net interest margin | 3.7920% | 3,690 |
| Noninterest income to average assets | 0.6816% | 3,145 |
| Noninterest expense to average assets | 1.8645% | 7,586 |
| Loan and lease loss provision to assets | 0.4161% | 3,826 |
| Net operating income to assets | 1.8962% | 360 |
| Return on assets (ROA) | 1.8962% | 387 |
| Pretax return on assets | 1.8962% | 661 |
| Return on Equity (ROE) | 9.2490% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.4656% | 1,729 |
| Net charge-offs to loans | -0.4028% | 8,015 |
| Credit loss provision to net charge-offs | -207.9208% | 7,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6395% | 7,815 |
| Assets per employee ($millions) | 5.4661% | 1,643 |
| Cash dividends to net income (ytd only)* | 30.0940% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 2,882 |
| Loan loss allowance to noncurrent loans | 38.2674% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 2.2643% | 3,023 |
| Noncurrent loans to loans | 4.2566% | 1,691 |
| Net loans and leases to total assets | 47.6787% | 6,982 |
| Net loans and leases to deposits | 60.4234% | 6,795 |
| Net loans and leases to core deposits | 69.4376% | 6,996 |
| Total domestic deposits to total assets | 78.9077% | 5,835 |
| Equity capital to assets | 20.3549% | 316 |
| Core capital (leverage) ratio | 20.7303% | 274 |
| Tier 1 risk-based capital ratio | 35.2760% | 376 |
| Total risk-based capital ratio | 36.5232% | 371 |
| Memoranda: | ||
| Average total assets | $67,290,000 | 6,136 |
| Average earning assets | $62,023,750 | 6,105 |
| Average equity | $13,795,750 | 4,334 |
| Average total loans | $33,429,500 | 6,485 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 6,827 |
| Cost of funding earning assets | 1.2123% | 7,071 |
| Net interest margin | 3.7712% | 3,670 |
| Noninterest income to average assets | 0.6906% | 3,049 |
| Noninterest expense to average assets | 1.8960% | 7,627 |
| Loan and lease loss provision to assets | 0.3635% | 3,746 |
| Net operating income to assets | 1.9172% | 359 |
| Return on assets (ROA) | 1.9172% | 390 |
| Pretax return on assets | 1.9172% | 674 |
| Return on Equity (ROE) | 9.3273% | 2,245 |
| Retained earnings to average equity (ytd only) | 6.4982% | 1,800 |
| Net charge-offs to loans | -0.0121% | 7,629 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3952% | 7,871 |
| Assets per employee ($millions) | 5.0796% | 1,995 |
| Cash dividends to net income (ytd only)* | 30.3318% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 5,529 |
| Loan loss allowance to noncurrent loans | 27.7405% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 2.3230% | 2,802 |
| Noncurrent loans to loans | 3.9995% | 1,698 |
| Net loans and leases to total assets | 50.2113% | 6,853 |
| Net loans and leases to deposits | 64.5379% | 6,513 |
| Net loans and leases to core deposits | 73.6152% | 6,813 |
| Total domestic deposits to total assets | 77.8012% | 6,131 |
| Equity capital to assets | 21.3993% | 310 |
| Core capital (leverage) ratio | 21.0564% | 314 |
| Tier 1 risk-based capital ratio | 36.0251% | 395 |
| Total risk-based capital ratio | 36.9864% | 394 |
| Memoranda: | ||
| Average total assets | $66,033,670 | 6,222 |
| Average earning assets | $61,041,330 | 6,181 |
| Average equity | $13,573,000 | 4,403 |
| Average total loans | $33,092,330 | 6,549 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0416% | 6,826 |
| Cost of funding earning assets | 1.2506% | 7,172 |
| Net interest margin | 3.7910% | 3,484 |
| Noninterest income to average assets | 0.6360% | 3,298 |
| Noninterest expense to average assets | 1.8173% | 7,680 |
| Loan and lease loss provision to assets | 0.1817% | 4,627 |
| Net operating income to assets | 2.1444% | 259 |
| Return on assets (ROA) | 2.1444% | 301 |
| Pretax return on assets | 2.1444% | 499 |
| Return on Equity (ROE) | 10.6514% | 2,088 |
| Retained earnings to average equity (ytd only) | 7.7629% | 1,902 |
| Net charge-offs to loans | -0.0243% | 7,491 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8596% | 7,935 |
| Assets per employee ($millions) | 5.5362% | 1,523 |
| Cash dividends to net income (ytd only)* | 27.1186% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 6,857 |
| Loan loss allowance to noncurrent loans | 20.8426% | 7,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0772% | 2,776 |
| Noncurrent loans to loans | 4.1938% | 1,416 |
| Net loans and leases to total assets | 48.1380% | 7,013 |
| Net loans and leases to deposits | 61.4527% | 6,773 |
| Net loans and leases to core deposits | 69.8513% | 7,029 |
| Total domestic deposits to total assets | 78.3334% | 5,915 |
| Equity capital to assets | 20.7755% | 371 |
| Core capital (leverage) ratio | 21.0246% | 350 |
| Tier 1 risk-based capital ratio | 36.6845% | 385 |
| Total risk-based capital ratio | 37.4363% | 394 |
| Memoranda: | ||
| Average total assets | $66,033,000 | 6,250 |
| Average earning assets | $61,092,000 | 6,212 |
| Average equity | $13,294,000 | 4,509 |
| Average total loans | $32,874,000 | 6,599 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4328% | 7,418 |
| Cost of funding earning assets | 1.8460% | 6,877 |
| Net interest margin | 3.5868% | 4,943 |
| Noninterest income to average assets | 0.5570% | 4,185 |
| Noninterest expense to average assets | 1.9479% | 7,542 |
| Loan and lease loss provision to assets | 0.2252% | 4,636 |
| Net operating income to assets | 1.6329% | 786 |
| Return on assets (ROA) | 1.6390% | 734 |
| Pretax return on assets | 1.6603% | 1,239 |
| Return on Equity (ROE) | 8.2191% | 2,968 |
| Retained earnings to average equity (ytd only) | 5.2886% | 1,865 |
| Net charge-offs to loans | 0.2457% | 3,813 |
| Credit loss provision to net charge-offs | 192.2078% | 2,552 |
| Earnings coverage of net charge-offs (x) | 16.0390% | 1,881 |
| Efficiency ratio | 50.8946% | 7,595 |
| Assets per employee ($millions) | 4.6880% | 2,346 |
| Cash dividends to net income (ytd only)* | 35.6546% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 7,303 |
| Loan loss allowance to noncurrent loans | 17.0648% | 7,334 |
| Noncurrent assets plus other real estate owned to assets | 2.2900% | 2,126 |
| Noncurrent loans to loans | 4.3750% | 1,093 |
| Net loans and leases to total assets | 50.6399% | 6,972 |
| Net loans and leases to deposits | 63.7695% | 6,820 |
| Net loans and leases to core deposits | 74.6206% | 6,929 |
| Total domestic deposits to total assets | 79.4110% | 5,236 |
| Equity capital to assets | 19.4814% | 499 |
| Core capital (leverage) ratio | 20.1658% | 436 |
| Tier 1 risk-based capital ratio | 35.0554% | 440 |
| Total risk-based capital ratio | 35.7045% | 450 |
| Memoranda: | ||
| Average total assets | $65,712,600 | 6,171 |
| Average earning assets | $59,913,600 | 6,173 |
| Average equity | $13,103,600 | 4,540 |
| Average total loans | $31,334,200 | 6,635 |