Home > The Salyersville National Bank > Performance and Condition Ratios
The Salyersville National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 2,464 |
| Cost of funding earning assets | 1.3405% | 3,521 |
| Net interest margin | 3.9836% | 1,322 |
| Noninterest income to average assets | 0.1700% | 3,735 |
| Noninterest expense to average assets | 2.0398% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.4896% | 1,117 |
| Return on assets (ROA) | 1.4896% | 1,113 |
| Pretax return on assets | 1.9593% | 745 |
| Return on Equity (ROE) | 15.7900% | 933 |
| Retained earnings to average equity (ytd only) | 15.7866% | 360 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 51.0058% | 3,827 |
| Assets per employee ($millions) | 7.0176% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 3,555 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 55.0500% | 3,278 |
| Net loans and leases to deposits | 71.7879% | 2,749 |
| Net loans and leases to core deposits | 87.3494% | 2,223 |
| Total domestic deposits to total assets | 76.6800% | 3,926 |
| Equity capital to assets | 9.7533% | 2,390 |
| Core capital (leverage) ratio | 13.2994% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2406% | 363 |
| Memoranda: | ||
| Average total assets | $154,136,000 | 3,345 |
| Average earning assets | $148,005,000 | 3,291 |
| Average equity | $14,544,000 | 3,412 |
| Average total loans | $82,224,500 | 3,414 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 2,777 |
| Cost of funding earning assets | 1.3160% | 3,650 |
| Net interest margin | 3.8621% | 1,411 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 2.0749% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.3717% | 1,121 |
| Return on assets (ROA) | 1.3717% | 1,122 |
| Pretax return on assets | 1.7891% | 842 |
| Return on Equity (ROE) | 14.4500% | 1,035 |
| Retained earnings to average equity (ytd only) | 9.6360% | 648 |
| Net charge-offs to loans | -0.0076% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 53.6987% | 3,742 |
| Assets per employee ($millions) | 6.9947% | 2,159 |
| Cash dividends to net income (ytd only)* | 33.2997% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,219 |
| Loan loss allowance to noncurrent loans | 1,921.9512% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,511 |
| Noncurrent loans to loans | 0.0521% | 3,380 |
| Net loans and leases to total assets | 50.6200% | 3,599 |
| Net loans and leases to deposits | 65.7047% | 3,229 |
| Net loans and leases to core deposits | 79.6020% | 2,803 |
| Total domestic deposits to total assets | 77.0300% | 3,868 |
| Equity capital to assets | 9.1173% | 2,737 |
| Core capital (leverage) ratio | 13.2659% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0404% | 332 |
| Memoranda: | ||
| Average total assets | $144,487,400 | 3,408 |
| Average earning assets | $138,294,200 | 3,358 |
| Average equity | $13,719,400 | 3,452 |
| Average total loans | $78,931,800 | 3,431 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 2,795 |
| Cost of funding earning assets | 1.2901% | 3,684 |
| Net interest margin | 3.8410% | 1,396 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.0824% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3489% | 1,217 |
| Return on assets (ROA) | 1.3489% | 1,214 |
| Pretax return on assets | 1.7654% | 915 |
| Return on Equity (ROE) | 14.0500% | 1,135 |
| Retained earnings to average equity (ytd only) | 10.8292% | 680 |
| Net charge-offs to loans | -0.0101% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 54.1199% | 3,708 |
| Assets per employee ($millions) | 6.7023% | 2,346 |
| Cash dividends to net income (ytd only)* | 22.9485% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 3,408 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 54.8100% | 3,358 |
| Net loans and leases to deposits | 72.3548% | 2,789 |
| Net loans and leases to core deposits | 86.8756% | 2,356 |
| Total domestic deposits to total assets | 75.7500% | 3,939 |
| Equity capital to assets | 10.3228% | 2,087 |
| Core capital (leverage) ratio | 13.7970% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0796% | 378 |
| Memoranda: | ||
| Average total assets | $142,138,250 | 3,431 |
| Average earning assets | $136,002,000 | 3,381 |
| Average equity | $13,641,750 | 3,459 |
| Average total loans | $78,995,500 | 3,435 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0690% | 2,821 |
| Cost of funding earning assets | 1.2721% | 3,669 |
| Net interest margin | 3.7969% | 1,430 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 2.0817% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3137% | 1,235 |
| Return on assets (ROA) | 1.3137% | 1,249 |
| Pretax return on assets | 1.7169% | 958 |
| Return on Equity (ROE) | 14.0600% | 1,148 |
| Retained earnings to average equity (ytd only) | 9.0276% | 1,095 |
| Net charge-offs to loans | -0.0154% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.8012% | 3,681 |
| Assets per employee ($millions) | 6.4185% | 2,472 |
| Cash dividends to net income (ytd only)* | 35.7918% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,302 |
| Loan loss allowance to noncurrent loans | 905.7471% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 3,241 |
| Noncurrent loans to loans | 0.1101% | 3,101 |
| Net loans and leases to total assets | 55.4100% | 3,315 |
| Net loans and leases to deposits | 72.7111% | 2,787 |
| Net loans and leases to core deposits | 84.6506% | 2,481 |
| Total domestic deposits to total assets | 76.2000% | 3,884 |
| Equity capital to assets | 9.4039% | 2,453 |
| Core capital (leverage) ratio | 13.7472% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3319% | 330 |
| Memoranda: | ||
| Average total assets | $140,367,667 | 3,459 |
| Average earning assets | $134,108,000 | 3,409 |
| Average equity | $13,115,333 | 3,493 |
| Average total loans | $78,126,000 | 3,457 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 2,766 |
| Cost of funding earning assets | 1.2911% | 3,572 |
| Net interest margin | 3.7120% | 1,509 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.0865% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2433% | 1,341 |
| Return on assets (ROA) | 1.2433% | 1,350 |
| Pretax return on assets | 1.6235% | 1,065 |
| Return on Equity (ROE) | 13.3500% | 1,268 |
| Retained earnings to average equity (ytd only) | 13.3502% | 561 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 56.2404% | 3,575 |
| Assets per employee ($millions) | 5.7724% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,159 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 52.1700% | 3,482 |
| Net loans and leases to deposits | 70.5477% | 2,843 |
| Net loans and leases to core deposits | 81.3721% | 2,625 |
| Total domestic deposits to total assets | 73.9500% | 4,135 |
| Equity capital to assets | 9.0949% | 2,617 |
| Core capital (leverage) ratio | 13.5578% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1272% | 292 |
| Memoranda: | ||
| Average total assets | $139,948,000 | 3,473 |
| Average earning assets | $133,838,000 | 3,427 |
| Average equity | $13,033,500 | 3,509 |
| Average total loans | $77,675,000 | 3,469 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 2,791 |
| Cost of funding earning assets | 0.8236% | 3,675 |
| Net interest margin | 3.8220% | 1,532 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.0903% | 3,431 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 1.3988% | 1,217 |
| Return on assets (ROA) | 1.3988% | 1,190 |
| Pretax return on assets | 1.8247% | 857 |
| Return on Equity (ROE) | 15.6300% | 1,168 |
| Retained earnings to average equity (ytd only) | 10.3066% | 938 |
| Net charge-offs to loans | -0.5243% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.0702% | 3,674 |
| Assets per employee ($millions) | 5.8950% | 2,903 |
| Cash dividends to net income (ytd only)* | 34.0557% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 3,380 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.8900% | 3,046 |
| Net loans and leases to deposits | 79.9190% | 2,117 |
| Net loans and leases to core deposits | 93.0542% | 1,838 |
| Total domestic deposits to total assets | 72.4400% | 4,205 |
| Equity capital to assets | 9.5453% | 2,317 |
| Core capital (leverage) ratio | 13.4623% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6420% | 316 |
| Memoranda: | ||
| Average total assets | $138,543,200 | 3,476 |
| Average earning assets | $132,340,800 | 3,424 |
| Average equity | $12,399,800 | 3,490 |
| Average total loans | $77,431,600 | 3,448 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 2,891 |
| Cost of funding earning assets | 0.7158% | 3,728 |
| Net interest margin | 3.7944% | 1,608 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.0304% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3794% | 1,364 |
| Return on assets (ROA) | 1.3794% | 1,351 |
| Pretax return on assets | 1.8102% | 1,000 |
| Return on Equity (ROE) | 15.6700% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.0782% | 959 |
| Net charge-offs to loans | -0.7033% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.8664% | 3,688 |
| Assets per employee ($millions) | 5.7640% | 2,959 |
| Cash dividends to net income (ytd only)* | 22.9008% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 2,971 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 56.3200% | 3,175 |
| Net loans and leases to deposits | 75.8782% | 2,429 |
| Net loans and leases to core deposits | 87.2087% | 2,110 |
| Total domestic deposits to total assets | 74.2300% | 4,144 |
| Equity capital to assets | 8.2060% | 2,918 |
| Core capital (leverage) ratio | 13.2248% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9553% | 323 |
| Memoranda: | ||
| Average total assets | $139,282,750 | 3,475 |
| Average earning assets | $133,177,000 | 3,419 |
| Average equity | $12,264,250 | 3,503 |
| Average total loans | $76,970,500 | 3,458 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 3,018 |
| Cost of funding earning assets | 0.5818% | 3,799 |
| Net interest margin | 3.7603% | 1,701 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.0301% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3553% | 1,436 |
| Return on assets (ROA) | 1.3553% | 1,420 |
| Pretax return on assets | 1.7780% | 1,056 |
| Return on Equity (ROE) | 15.0500% | 1,461 |
| Retained earnings to average equity (ytd only) | 9.8024% | 1,467 |
| Net charge-offs to loans | -0.0026% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.3108% | 3,664 |
| Assets per employee ($millions) | 5.9066% | 2,788 |
| Cash dividends to net income (ytd only)* | 34.8837% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5668% | 4,330 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 55.0700% | 3,185 |
| Net loans and leases to deposits | 74.0275% | 2,485 |
| Net loans and leases to core deposits | 84.6123% | 2,170 |
| Total domestic deposits to total assets | 74.3900% | 4,167 |
| Equity capital to assets | 8.6386% | 2,753 |
| Core capital (leverage) ratio | 12.8690% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8683% | 359 |
| Memoranda: | ||
| Average total assets | $139,598,000 | 3,480 |
| Average earning assets | $133,713,333 | 3,427 |
| Average equity | $12,568,333 | 3,480 |
| Average total loans | $76,372,667 | 3,473 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 3,110 |
| Cost of funding earning assets | 0.4093% | 3,945 |
| Net interest margin | 3.7558% | 1,783 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.0792% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3226% | 1,616 |
| Return on assets (ROA) | 1.3226% | 1,581 |
| Pretax return on assets | 1.7326% | 1,213 |
| Return on Equity (ROE) | 14.3900% | 1,693 |
| Retained earnings to average equity (ytd only) | 14.3918% | 888 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.5455% | 3,549 |
| Assets per employee ($millions) | 5.8018% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5880% | 4,375 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 53.9100% | 3,206 |
| Net loans and leases to deposits | 70.0779% | 2,602 |
| Net loans and leases to core deposits | 79.3663% | 2,298 |
| Total domestic deposits to total assets | 76.9300% | 4,083 |
| Equity capital to assets | 9.3901% | 2,235 |
| Core capital (leverage) ratio | 13.1197% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4774% | 332 |
| Memoranda: | ||
| Average total assets | $138,517,500 | 3,531 |
| Average earning assets | $132,914,500 | 3,484 |
| Average equity | $12,729,500 | 3,504 |
| Average total loans | $75,304,000 | 3,522 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6395% | 2,682 |
| Cost of funding earning assets | 0.1667% | 4,017 |
| Net interest margin | 3.4728% | 2,022 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.0595% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1513% | 1,969 |
| Return on assets (ROA) | 1.1513% | 1,913 |
| Pretax return on assets | 1.4860% | 1,498 |
| Return on Equity (ROE) | 10.9700% | 2,486 |
| Retained earnings to average equity (ytd only) | 6.3216% | 2,525 |
| Net charge-offs to loans | -0.0029% | 3,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.0867% | 3,328 |
| Assets per employee ($millions) | 5.7414% | 2,997 |
| Cash dividends to net income (ytd only)* | 42.3620% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5913% | 4,350 |
| Loan loss allowance to noncurrent loans | 44,400.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,957 |
| Noncurrent loans to loans | 0.0013% | 3,889 |
| Net loans and leases to total assets | 54.1700% | 3,185 |
| Net loans and leases to deposits | 70.3420% | 2,557 |
| Net loans and leases to core deposits | 79.7668% | 2,150 |
| Total domestic deposits to total assets | 77.0200% | 4,170 |
| Equity capital to assets | 8.9874% | 2,365 |
| Core capital (leverage) ratio | 12.8723% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8476% | 338 |
| Memoranda: | ||
| Average total assets | $135,325,600 | 3,586 |
| Average earning assets | $130,182,000 | 3,532 |
| Average equity | $14,205,200 | 3,442 |
| Average total loans | $68,691,800 | 3,598 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 2,649 |
| Cost of funding earning assets | 0.1480% | 3,862 |
| Net interest margin | 3.3412% | 2,165 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.0013% | 3,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0957% | 2,127 |
| Return on assets (ROA) | 1.0957% | 2,087 |
| Pretax return on assets | 1.4144% | 1,672 |
| Return on Equity (ROE) | 10.0700% | 2,700 |
| Retained earnings to average equity (ytd only) | 7.0664% | 2,341 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.5917% | 3,315 |
| Assets per employee ($millions) | 5.8629% | 2,887 |
| Cash dividends to net income (ytd only)* | 29.8103% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6445% | 4,339 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,653 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.5300% | 3,414 |
| Net loans and leases to deposits | 64.6890% | 2,811 |
| Net loans and leases to core deposits | 73.2211% | 2,410 |
| Total domestic deposits to total assets | 78.1100% | 4,248 |
| Equity capital to assets | 9.1111% | 2,136 |
| Core capital (leverage) ratio | 12.9787% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3748% | 302 |
| Memoranda: | ||
| Average total assets | $134,708,750 | 3,611 |
| Average earning assets | $129,731,000 | 3,552 |
| Average equity | $14,660,500 | 3,449 |
| Average total loans | $67,091,500 | 3,642 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3176% | 2,683 |
| Cost of funding earning assets | 0.1401% | 3,710 |
| Net interest margin | 3.1775% | 2,262 |
| Noninterest income to average assets | 0.1960% | 4,018 |
| Noninterest expense to average assets | 1.9991% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9817% | 2,224 |
| Return on assets (ROA) | 0.9817% | 2,198 |
| Pretax return on assets | 1.2624% | 1,861 |
| Return on Equity (ROE) | 8.5555% | 2,845 |
| Retained earnings to average equity (ytd only) | 4.2842% | 2,979 |
| Net charge-offs to loans | -0.0030% | 3,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2933% | 3,142 |
| Assets per employee ($millions) | 6.1966% | 2,567 |
| Cash dividends to net income (ytd only)* | 49.9244% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6412% | 4,418 |
| Loan loss allowance to noncurrent loans | 333.0827% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 3,026 |
| Noncurrent loans to loans | 0.1925% | 2,743 |
| Net loans and leases to total assets | 50.3514% | 3,333 |
| Net loans and leases to deposits | 64.8839% | 2,649 |
| Net loans and leases to core deposits | 72.5089% | 2,283 |
| Total domestic deposits to total assets | 77.6022% | 4,374 |
| Equity capital to assets | 9.8734% | 1,787 |
| Core capital (leverage) ratio | 13.1282% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3730% | 311 |
| Memoranda: | ||
| Average total assets | $134,663,000 | 3,653 |
| Average earning assets | $129,912,333 | 3,597 |
| Average equity | $15,452,000 | 3,457 |
| Average total loans | $66,597,000 | 3,684 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 2,505 |
| Cost of funding earning assets | 0.1391% | 3,645 |
| Net interest margin | 3.1192% | 2,112 |
| Noninterest income to average assets | 0.2032% | 3,945 |
| Noninterest expense to average assets | 2.0294% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9265% | 2,173 |
| Return on assets (ROA) | 0.9265% | 2,166 |
| Pretax return on assets | 1.1896% | 1,839 |
| Return on Equity (ROE) | 7.5389% | 2,860 |
| Retained earnings to average equity (ytd only) | 7.5389% | 1,722 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0455% | 3,140 |
| Assets per employee ($millions) | 5.5621% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 4,416 |
| Loan loss allowance to noncurrent loans | 332.3308% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 3,109 |
| Noncurrent loans to loans | 0.2054% | 2,794 |
| Net loans and leases to total assets | 48.1789% | 3,369 |
| Net loans and leases to deposits | 63.2570% | 2,596 |
| Net loans and leases to core deposits | 71.0095% | 2,211 |
| Total domestic deposits to total assets | 76.1638% | 4,493 |
| Equity capital to assets | 11.6353% | 1,078 |
| Core capital (leverage) ratio | 13.5175% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5528% | 253 |
| Memoranda: | ||
| Average total assets | $133,831,500 | 3,682 |
| Average earning assets | $129,393,000 | 3,615 |
| Average equity | $16,448,000 | 3,437 |
| Average total loans | $65,353,000 | 3,711 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4207% | 2,881 |
| Cost of funding earning assets | 0.1606% | 3,862 |
| Net interest margin | 3.2601% | 2,432 |
| Noninterest income to average assets | 0.1786% | 4,261 |
| Noninterest expense to average assets | 2.1599% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9688% | 2,802 |
| Return on assets (ROA) | 0.9833% | 2,808 |
| Pretax return on assets | 1.2060% | 2,645 |
| Return on Equity (ROE) | 7.2229% | 3,453 |
| Retained earnings to average equity (ytd only) | 3.4752% | 3,423 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5117% | 2,477 |
| Assets per employee ($millions) | 5.3669% | 3,396 |
| Cash dividends to net income (ytd only)* | 51.8868% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6702% | 4,472 |
| Loan loss allowance to noncurrent loans | 332.3308% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 3,245 |
| Noncurrent loans to loans | 0.2017% | 2,941 |
| Net loans and leases to total assets | 48.8235% | 3,425 |
| Net loans and leases to deposits | 64.1267% | 2,676 |
| Net loans and leases to core deposits | 71.4809% | 2,303 |
| Total domestic deposits to total assets | 76.1360% | 4,505 |
| Equity capital to assets | 12.9415% | 917 |
| Core capital (leverage) ratio | 13.3508% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5192% | 292 |
| Memoranda: | ||
| Average total assets | $129,356,000 | 3,689 |
| Average earning assets | $125,763,200 | 3,620 |
| Average equity | $17,610,600 | 3,418 |
| Average total loans | $68,278,200 | 3,678 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4193% | 3,049 |
| Cost of funding earning assets | 0.1657% | 3,964 |
| Net interest margin | 3.2536% | 2,571 |
| Noninterest income to average assets | 0.1956% | 4,222 |
| Noninterest expense to average assets | 2.1297% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0114% | 2,863 |
| Return on assets (ROA) | 1.0310% | 2,863 |
| Pretax return on assets | 1.2558% | 2,753 |
| Return on Equity (ROE) | 7.4767% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.9870% | 3,227 |
| Net charge-offs to loans | 0.0019% | 2,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,184.0000% | 138 |
| Efficiency ratio | 63.3550% | 2,481 |
| Assets per employee ($millions) | 5.4985% | 3,205 |
| Cash dividends to net income (ytd only)* | 33.2997% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 4,614 |
| Loan loss allowance to noncurrent loans | 199.5475% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 2,365 |
| Noncurrent loans to loans | 0.3097% | 2,680 |
| Net loans and leases to total assets | 53.7366% | 3,002 |
| Net loans and leases to deposits | 70.5321% | 2,187 |
| Net loans and leases to core deposits | 79.0073% | 1,822 |
| Total domestic deposits to total assets | 76.1874% | 4,528 |
| Equity capital to assets | 13.4726% | 860 |
| Core capital (leverage) ratio | 13.6728% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8602% | 347 |
| Memoranda: | ||
| Average total assets | $128,151,750 | 3,737 |
| Average earning assets | $124,699,000 | 3,668 |
| Average equity | $17,672,250 | 3,458 |
| Average total loans | $68,860,250 | 3,721 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 3,442 |
| Cost of funding earning assets | 0.1717% | 4,028 |
| Net interest margin | 3.1224% | 2,977 |
| Noninterest income to average assets | 0.2033% | 4,186 |
| Noninterest expense to average assets | 2.1311% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9455% | 3,072 |
| Return on assets (ROA) | 0.9615% | 3,110 |
| Pretax return on assets | 1.1302% | 3,112 |
| Return on Equity (ROE) | 6.9174% | 3,678 |
| Retained earnings to average equity (ytd only) | 3.1752% | 3,788 |
| Net charge-offs to loans | 0.0029% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 705.0000% | 196 |
| Efficiency ratio | 65.7268% | 2,194 |
| Assets per employee ($millions) | 5.3275% | 3,317 |
| Cash dividends to net income (ytd only)* | 54.0984% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6305% | 4,627 |
| Loan loss allowance to noncurrent loans | 445.4545% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 2,783 |
| Noncurrent loans to loans | 0.1415% | 3,490 |
| Net loans and leases to total assets | 54.3598% | 3,096 |
| Net loans and leases to deposits | 71.0591% | 2,294 |
| Net loans and leases to core deposits | 79.7533% | 1,903 |
| Total domestic deposits to total assets | 76.4995% | 4,535 |
| Equity capital to assets | 13.7118% | 774 |
| Core capital (leverage) ratio | 13.5165% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2756% | 329 |
| Memoranda: | ||
| Average total assets | $126,881,000 | 3,765 |
| Average earning assets | $123,495,667 | 3,696 |
| Average equity | $17,636,667 | 3,461 |
| Average total loans | $68,029,000 | 3,761 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2837% | 3,493 |
| Cost of funding earning assets | 0.1790% | 4,090 |
| Net interest margin | 3.1047% | 2,972 |
| Noninterest income to average assets | 0.2057% | 4,151 |
| Noninterest expense to average assets | 2.1647% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9937% | 2,830 |
| Return on assets (ROA) | 0.9937% | 2,924 |
| Pretax return on assets | 1.0602% | 3,215 |
| Return on Equity (ROE) | 7.1005% | 3,581 |
| Retained earnings to average equity (ytd only) | 7.1005% | 2,545 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1246% | 2,051 |
| Assets per employee ($millions) | 5.3867% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6482% | 4,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 3,416 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 52.4068% | 3,403 |
| Net loans and leases to deposits | 67.7039% | 2,731 |
| Net loans and leases to core deposits | 75.5554% | 2,389 |
| Total domestic deposits to total assets | 77.4058% | 4,488 |
| Equity capital to assets | 13.6439% | 755 |
| Core capital (leverage) ratio | 13.9243% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3630% | 310 |
| Memoranda: | ||
| Average total assets | $126,391,000 | 3,777 |
| Average earning assets | $122,911,500 | 3,707 |
| Average equity | $17,689,000 | 3,453 |
| Average total loans | $67,070,500 | 3,795 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 3,047 |
| Cost of funding earning assets | 0.3555% | 3,842 |
| Net interest margin | 3.5368% | 2,348 |
| Noninterest income to average assets | 0.1921% | 4,326 |
| Noninterest expense to average assets | 2.5719% | 2,635 |
| Loan and lease loss provision to assets | 0.0171% | 4,163 |
| Net operating income to assets | 0.8477% | 2,906 |
| Return on assets (ROA) | 0.8804% | 2,919 |
| Pretax return on assets | 1.0580% | 2,844 |
| Return on Equity (ROE) | 5.9169% | 3,610 |
| Retained earnings to average equity (ytd only) | 2.1291% | 3,768 |
| Net charge-offs to loans | 0.0497% | 2,085 |
| Credit loss provision to net charge-offs | 62.5000% | 3,078 |
| Earnings coverage of net charge-offs (x) | 37.9063% | 1,428 |
| Efficiency ratio | 71.2899% | 1,773 |
| Assets per employee ($millions) | 5.1459% | 3,235 |
| Cash dividends to net income (ytd only)* | 64.0155% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6702% | 4,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 3,489 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 53.0401% | 3,576 |
| Net loans and leases to deposits | 68.8345% | 3,000 |
| Net loans and leases to core deposits | 76.5872% | 2,672 |
| Total domestic deposits to total assets | 77.0544% | 4,404 |
| Equity capital to assets | 14.3634% | 714 |
| Core capital (leverage) ratio | 14.1926% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5713% | 302 |
| Memoranda: | ||
| Average total assets | $117,112,400 | 3,781 |
| Average earning assets | $113,096,000 | 3,720 |
| Average equity | $17,424,800 | 3,427 |
| Average total loans | $64,399,000 | 3,842 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 3,233 |
| Cost of funding earning assets | 0.4039% | 3,788 |
| Net interest margin | 3.5009% | 2,585 |
| Noninterest income to average assets | 0.1951% | 4,306 |
| Noninterest expense to average assets | 2.5624% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8463% | 2,923 |
| Return on assets (ROA) | 0.8841% | 2,884 |
| Pretax return on assets | 1.0492% | 2,910 |
| Return on Equity (ROE) | 5.8878% | 3,592 |
| Retained earnings to average equity (ytd only) | 3.3513% | 3,375 |
| Net charge-offs to loans | -0.0042% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8447% | 1,663 |
| Assets per employee ($millions) | 4.7507% | 3,539 |
| Cash dividends to net income (ytd only)* | 43.0809% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6738% | 4,614 |
| Loan loss allowance to noncurrent loans | 304.0000% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 3,004 |
| Noncurrent loans to loans | 0.2216% | 3,506 |
| Net loans and leases to total assets | 56.5969% | 3,565 |
| Net loans and leases to deposits | 74.8358% | 2,871 |
| Net loans and leases to core deposits | 83.3858% | 2,536 |
| Total domestic deposits to total assets | 75.6281% | 4,458 |
| Equity capital to assets | 15.0200% | 632 |
| Core capital (leverage) ratio | 14.6738% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7582% | 282 |
| Memoranda: | ||
| Average total assets | $115,515,250 | 3,794 |
| Average earning assets | $111,245,500 | 3,731 |
| Average equity | $17,346,250 | 3,435 |
| Average total loans | $64,012,000 | 3,862 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 3,270 |
| Cost of funding earning assets | 0.4522% | 3,786 |
| Net interest margin | 3.5688% | 2,583 |
| Noninterest income to average assets | 0.1940% | 4,305 |
| Noninterest expense to average assets | 2.5780% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8788% | 2,776 |
| Return on assets (ROA) | 0.8861% | 2,864 |
| Pretax return on assets | 1.0592% | 2,840 |
| Return on Equity (ROE) | 5.9015% | 3,552 |
| Retained earnings to average equity (ytd only) | 2.0603% | 3,730 |
| Net charge-offs to loans | -0.0032% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0501% | 1,818 |
| Assets per employee ($millions) | 4.5627% | 3,705 |
| Cash dividends to net income (ytd only)* | 65.0888% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6914% | 4,583 |
| Loan loss allowance to noncurrent loans | 303.3333% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 3,104 |
| Noncurrent loans to loans | 0.2279% | 3,557 |
| Net loans and leases to total assets | 55.0910% | 3,772 |
| Net loans and leases to deposits | 72.2139% | 3,240 |
| Net loans and leases to core deposits | 80.6593% | 2,901 |
| Total domestic deposits to total assets | 76.2887% | 4,399 |
| Equity capital to assets | 14.8502% | 648 |
| Core capital (leverage) ratio | 14.4411% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4235% | 297 |
| Memoranda: | ||
| Average total assets | $114,431,000 | 3,794 |
| Average earning assets | $110,120,000 | 3,741 |
| Average equity | $17,182,000 | 3,450 |
| Average total loans | $62,791,000 | 3,898 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 3,258 |
| Cost of funding earning assets | 0.4747% | 4,048 |
| Net interest margin | 3.7123% | 2,282 |
| Noninterest income to average assets | 0.1923% | 4,401 |
| Noninterest expense to average assets | 2.6707% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9109% | 2,486 |
| Return on assets (ROA) | 0.9258% | 2,541 |
| Pretax return on assets | 1.1039% | 2,505 |
| Return on Equity (ROE) | 6.1304% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.1304% | 1,825 |
| Net charge-offs to loans | -0.0065% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0900% | 2,203 |
| Assets per employee ($millions) | 4.3903% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7355% | 4,549 |
| Loan loss allowance to noncurrent loans | 55.2184% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 1,475 |
| Noncurrent loans to loans | 1.3321% | 1,215 |
| Net loans and leases to total assets | 53.7938% | 4,003 |
| Net loans and leases to deposits | 70.9766% | 3,512 |
| Net loans and leases to core deposits | 79.6141% | 3,233 |
| Total domestic deposits to total assets | 75.7909% | 4,507 |
| Equity capital to assets | 14.9746% | 766 |
| Core capital (leverage) ratio | 15.1623% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0905% | 328 |
| Memoranda: | ||
| Average total assets | $112,331,000 | 3,809 |
| Average earning assets | $107,857,000 | 3,753 |
| Average equity | $16,964,500 | 3,475 |
| Average total loans | $61,281,500 | 3,934 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 3,672 |
| Cost of funding earning assets | 0.4275% | 4,350 |
| Net interest margin | 3.8239% | 2,427 |
| Noninterest income to average assets | 0.2597% | 4,119 |
| Noninterest expense to average assets | 2.7584% | 2,724 |
| Loan and lease loss provision to assets | 0.4092% | 347 |
| Net operating income to assets | 0.6242% | 4,089 |
| Return on assets (ROA) | 0.6288% | 4,139 |
| Pretax return on assets | 0.7573% | 4,065 |
| Return on Equity (ROE) | 4.1883% | 4,418 |
| Retained earnings to average equity (ytd only) | 0.1821% | 4,636 |
| Net charge-offs to loans | 0.9437% | 168 |
| Credit loss provision to net charge-offs | 84.3985% | 2,741 |
| Earnings coverage of net charge-offs (x) | 2.3947% | 3,421 |
| Efficiency ratio | 70.3790% | 2,117 |
| Assets per employee ($millions) | 3.9470% | 3,976 |
| Cash dividends to net income (ytd only)* | 95.6522% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 4,460 |
| Loan loss allowance to noncurrent loans | 170.0375% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 2,117 |
| Noncurrent loans to loans | 0.4398% | 2,870 |
| Net loans and leases to total assets | 54.5175% | 4,047 |
| Net loans and leases to deposits | 71.1889% | 3,574 |
| Net loans and leases to core deposits | 79.7264% | 3,320 |
| Total domestic deposits to total assets | 76.5815% | 4,534 |
| Equity capital to assets | 15.2341% | 740 |
| Core capital (leverage) ratio | 15.1984% | 647 |
| Tier 1 risk-based capital ratio | 27.7078% | 579 |
| Total risk-based capital ratio | 28.4785% | 592 |
| Memoranda: | ||
| Average total assets | $109,736,000 | 3,838 |
| Average earning assets | $105,022,400 | 3,792 |
| Average equity | $16,474,400 | 3,500 |
| Average total loans | $56,371,000 | 4,045 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2437% | 3,822 |
| Cost of funding earning assets | 0.4133% | 4,452 |
| Net interest margin | 3.8304% | 2,500 |
| Noninterest income to average assets | 0.3238% | 3,811 |
| Noninterest expense to average assets | 2.7557% | 2,696 |
| Loan and lease loss provision to assets | 0.5465% | 220 |
| Net operating income to assets | 0.5001% | 4,514 |
| Return on assets (ROA) | 0.5039% | 4,555 |
| Pretax return on assets | 0.6926% | 4,361 |
| Return on Equity (ROE) | 3.3691% | 4,702 |
| Retained earnings to average equity (ytd only) | 0.6836% | 4,627 |
| Net charge-offs to loans | 1.3047% | 107 |
| Credit loss provision to net charge-offs | 82.9945% | 2,466 |
| Earnings coverage of net charge-offs (x) | 1.8743% | 3,246 |
| Efficiency ratio | 69.0665% | 2,248 |
| Assets per employee ($millions) | 4.0425% | 3,846 |
| Cash dividends to net income (ytd only)* | 79.7098% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 4,475 |
| Loan loss allowance to noncurrent loans | 167.2932% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 1,931 |
| Noncurrent loans to loans | 0.4636% | 2,912 |
| Net loans and leases to total assets | 52.1618% | 4,308 |
| Net loans and leases to deposits | 68.0781% | 3,911 |
| Net loans and leases to core deposits | 76.1849% | 3,685 |
| Total domestic deposits to total assets | 76.6205% | 4,570 |
| Equity capital to assets | 15.4883% | 731 |
| Core capital (leverage) ratio | 15.4773% | 648 |
| Tier 1 risk-based capital ratio | 28.0910% | 572 |
| Total risk-based capital ratio | 28.8549% | 589 |
| Memoranda: | ||
| Average total assets | $109,541,250 | 3,878 |
| Average earning assets | $104,842,000 | 3,833 |
| Average equity | $16,384,000 | 3,535 |
| Average total loans | $55,287,750 | 4,117 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 3,804 |
| Cost of funding earning assets | 0.3911% | 4,544 |
| Net interest margin | 3.8561% | 2,387 |
| Noninterest income to average assets | 0.3556% | 3,553 |
| Noninterest expense to average assets | 2.7573% | 2,729 |
| Loan and lease loss provision to assets | 0.8188% | 120 |
| Net operating income to assets | 0.2842% | 4,892 |
| Return on assets (ROA) | 0.2900% | 4,899 |
| Pretax return on assets | 0.4723% | 4,734 |
| Return on Equity (ROE) | 1.9617% | 4,942 |
| Retained earnings to average equity (ytd only) | -2.1098% | 4,917 |
| Net charge-offs to loans | 1.9930% | 54 |
| Credit loss provision to net charge-offs | 82.5368% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.2941% | 3,031 |
| Efficiency ratio | 68.2310% | 2,499 |
| Assets per employee ($millions) | 3.9865% | 3,880 |
| Cash dividends to net income (ytd only)* | 207.5472% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 4,474 |
| Loan loss allowance to noncurrent loans | 138.1250% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 1,767 |
| Noncurrent loans to loans | 0.5715% | 2,547 |
| Net loans and leases to total assets | 51.6143% | 4,377 |
| Net loans and leases to deposits | 65.6399% | 4,121 |
| Net loans and leases to core deposits | 73.1285% | 3,937 |
| Total domestic deposits to total assets | 78.6324% | 4,292 |
| Equity capital to assets | 15.3379% | 739 |
| Core capital (leverage) ratio | 15.3081% | 645 |
| Tier 1 risk-based capital ratio | 28.5616% | 536 |
| Total risk-based capital ratio | 29.3331% | 547 |
| Memoranda: | ||
| Average total assets | $109,672,670 | 3,904 |
| Average earning assets | $104,820,000 | 3,861 |
| Average equity | $16,210,330 | 3,548 |
| Average total loans | $54,591,000 | 4,159 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 3,773 |
| Cost of funding earning assets | 0.3675% | 4,612 |
| Net interest margin | 3.8649% | 2,294 |
| Noninterest income to average assets | 0.3903% | 3,257 |
| Noninterest expense to average assets | 2.7464% | 2,755 |
| Loan and lease loss provision to assets | 0.3252% | 380 |
| Net operating income to assets | 0.8781% | 3,315 |
| Return on assets (ROA) | 0.8781% | 3,365 |
| Pretax return on assets | 1.0046% | 3,419 |
| Return on Equity (ROE) | 6.0519% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.0519% | 2,438 |
| Net charge-offs to loans | 1.2990% | 98 |
| Credit loss provision to net charge-offs | 51.4286% | 1,969 |
| Earnings coverage of net charge-offs (x) | 2.1029% | 2,528 |
| Efficiency ratio | 67.3759% | 2,729 |
| Assets per employee ($millions) | 4.0478% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 4,498 |
| Loan loss allowance to noncurrent loans | 64.7564% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.0888% | 1,270 |
| Noncurrent loans to loans | 1.2462% | 1,320 |
| Net loans and leases to total assets | 50.8358% | 4,419 |
| Net loans and leases to deposits | 64.0575% | 4,178 |
| Net loans and leases to core deposits | 71.1319% | 3,998 |
| Total domestic deposits to total assets | 79.3597% | 4,283 |
| Equity capital to assets | 15.0918% | 739 |
| Core capital (leverage) ratio | 15.3193% | 632 |
| Tier 1 risk-based capital ratio | 28.4245% | 538 |
| Total risk-based capital ratio | 29.1803% | 549 |
| Memoranda: | ||
| Average total assets | $110,691,500 | 3,926 |
| Average earning assets | $105,566,000 | 3,892 |
| Average equity | $16,061,000 | 3,573 |
| Average total loans | $53,888,000 | 4,216 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 3,569 |
| Cost of funding earning assets | 0.2748% | 4,681 |
| Net interest margin | 3.8789% | 2,399 |
| Noninterest income to average assets | 0.3371% | 3,862 |
| Noninterest expense to average assets | 2.8039% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0717% | 2,711 |
| Return on assets (ROA) | 1.0764% | 2,681 |
| Pretax return on assets | 1.2427% | 2,728 |
| Return on Equity (ROE) | 7.8577% | 3,501 |
| Retained earnings to average equity (ytd only) | 3.5717% | 3,623 |
| Net charge-offs to loans | -0.0944% | 5,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3815% | 2,310 |
| Assets per employee ($millions) | 3.7364% | 4,269 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,458 |
| Loan loss allowance to noncurrent loans | 71.5047% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.1125% | 1,203 |
| Noncurrent loans to loans | 1.4508% | 1,062 |
| Net loans and leases to total assets | 45.7017% | 4,750 |
| Net loans and leases to deposits | 57.0182% | 4,616 |
| Net loans and leases to core deposits | 63.5291% | 4,470 |
| Total domestic deposits to total assets | 80.1529% | 4,070 |
| Equity capital to assets | 13.9421% | 991 |
| Core capital (leverage) ratio | 15.1169% | 671 |
| Tier 1 risk-based capital ratio | 29.6770% | 479 |
| Total risk-based capital ratio | 30.6644% | 485 |
| Memoranda: | ||
| Average total assets | $112,416,800 | 3,904 |
| Average earning assets | $107,349,600 | 3,849 |
| Average equity | $15,399,000 | 3,588 |
| Average total loans | $54,047,000 | 4,224 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 3,480 |
| Cost of funding earning assets | 0.2616% | 4,721 |
| Net interest margin | 3.8829% | 2,369 |
| Noninterest income to average assets | 0.3366% | 3,910 |
| Noninterest expense to average assets | 2.7662% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1291% | 2,536 |
| Return on assets (ROA) | 1.1354% | 2,528 |
| Pretax return on assets | 1.2895% | 2,665 |
| Return on Equity (ROE) | 8.3256% | 3,407 |
| Retained earnings to average equity (ytd only) | 5.7184% | 2,816 |
| Net charge-offs to loans | -0.1245% | 5,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3255% | 2,478 |
| Assets per employee ($millions) | 3.5570% | 4,485 |
| Cash dividends to net income (ytd only)* | 31.3153% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,747 |
| Loan loss allowance to noncurrent loans | 339.8734% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 2,384 |
| Noncurrent loans to loans | 0.2948% | 3,619 |
| Net loans and leases to total assets | 48.1205% | 4,713 |
| Net loans and leases to deposits | 59.3842% | 4,584 |
| Net loans and leases to core deposits | 65.4492% | 4,431 |
| Total domestic deposits to total assets | 81.0324% | 3,857 |
| Equity capital to assets | 13.8319% | 1,013 |
| Core capital (leverage) ratio | 15.1054% | 680 |
| Tier 1 risk-based capital ratio | 28.7209% | 532 |
| Total risk-based capital ratio | 29.6873% | 536 |
| Memoranda: | ||
| Average total assets | $112,498,000 | 3,948 |
| Average earning assets | $107,546,250 | 3,888 |
| Average equity | $15,341,750 | 3,615 |
| Average total loans | $54,617,500 | 4,260 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 3,510 |
| Cost of funding earning assets | 0.2510% | 4,741 |
| Net interest margin | 3.8338% | 2,435 |
| Noninterest income to average assets | 0.3250% | 4,018 |
| Noninterest expense to average assets | 2.7587% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0844% | 2,647 |
| Return on assets (ROA) | 1.0844% | 2,654 |
| Pretax return on assets | 1.2345% | 2,794 |
| Return on Equity (ROE) | 7.9887% | 3,512 |
| Retained earnings to average equity (ytd only) | 4.0854% | 3,562 |
| Net charge-offs to loans | -0.2074% | 5,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0845% | 2,468 |
| Assets per employee ($millions) | 3.7297% | 4,314 |
| Cash dividends to net income (ytd only)* | 48.8599% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,816 |
| Loan loss allowance to noncurrent loans | 341.5094% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 2,510 |
| Noncurrent loans to loans | 0.2939% | 3,645 |
| Net loans and leases to total assets | 47.8595% | 4,726 |
| Net loans and leases to deposits | 59.1260% | 4,583 |
| Net loans and leases to core deposits | 64.8262% | 4,440 |
| Total domestic deposits to total assets | 80.9450% | 4,013 |
| Equity capital to assets | 13.6292% | 1,060 |
| Core capital (leverage) ratio | 14.6084% | 749 |
| Tier 1 risk-based capital ratio | 27.6936% | 574 |
| Total risk-based capital ratio | 28.6666% | 583 |
| Memoranda: | ||
| Average total assets | $113,241,670 | 3,964 |
| Average earning assets | $108,352,670 | 3,903 |
| Average equity | $15,371,670 | 3,632 |
| Average total loans | $54,957,330 | 4,282 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 3,519 |
| Cost of funding earning assets | 0.2463% | 4,736 |
| Net interest margin | 3.7798% | 2,503 |
| Noninterest income to average assets | 0.3933% | 3,517 |
| Noninterest expense to average assets | 2.7353% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0815% | 2,514 |
| Return on assets (ROA) | 1.0815% | 2,530 |
| Pretax return on assets | 1.2676% | 2,484 |
| Return on Equity (ROE) | 7.9832% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.9832% | 1,841 |
| Net charge-offs to loans | -0.0072% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3333% | 2,779 |
| Assets per employee ($millions) | 3.5707% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 4,543 |
| Loan loss allowance to noncurrent loans | 459.4340% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 2,480 |
| Noncurrent loans to loans | 0.1910% | 4,108 |
| Net loans and leases to total assets | 48.1429% | 4,688 |
| Net loans and leases to deposits | 59.1806% | 4,528 |
| Net loans and leases to core deposits | 64.7530% | 4,380 |
| Total domestic deposits to total assets | 81.3490% | 4,122 |
| Equity capital to assets | 13.4139% | 1,066 |
| Core capital (leverage) ratio | 14.6299% | 736 |
| Tier 1 risk-based capital ratio | 27.2784% | 598 |
| Total risk-based capital ratio | 28.1450% | 613 |
| Memoranda: | ||
| Average total assets | $113,916,500 | 3,996 |
| Average earning assets | $108,789,000 | 3,935 |
| Average equity | $15,432,500 | 3,655 |
| Average total loans | $55,389,000 | 4,317 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 3,673 |
| Cost of funding earning assets | 0.2352% | 4,687 |
| Net interest margin | 3.6791% | 2,883 |
| Noninterest income to average assets | 0.3048% | 4,276 |
| Noninterest expense to average assets | 2.7626% | 2,914 |
| Loan and lease loss provision to assets | 0.1841% | 1,157 |
| Net operating income to assets | 0.4999% | 4,380 |
| Return on assets (ROA) | 0.5211% | 4,355 |
| Pretax return on assets | 0.9009% | 3,925 |
| Return on Equity (ROE) | 3.7121% | 4,600 |
| Retained earnings to average equity (ytd only) | -0.1082% | 5,047 |
| Net charge-offs to loans | 0.3049% | 846 |
| Credit loss provision to net charge-offs | 135.5263% | 1,950 |
| Earnings coverage of net charge-offs (x) | 7.7434% | 3,002 |
| Efficiency ratio | 72.4227% | 2,159 |
| Assets per employee ($millions) | 3.7857% | 4,302 |
| Cash dividends to net income (ytd only)* | 102.9160% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 4,562 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 2,162 |
| Noncurrent loans to loans | 0.5210% | 2,952 |
| Net loans and leases to total assets | 48.2482% | 4,750 |
| Net loans and leases to deposits | 59.6757% | 4,589 |
| Net loans and leases to core deposits | 65.3828% | 4,454 |
| Total domestic deposits to total assets | 80.8507% | 4,154 |
| Equity capital to assets | 13.6813% | 992 |
| Core capital (leverage) ratio | 14.5525% | 718 |
| Tier 1 risk-based capital ratio | 26.8415% | 602 |
| Total risk-based capital ratio | 27.7054% | 617 |
| Memoranda: | ||
| Average total assets | $111,889,000 | 4,025 |
| Average earning assets | $106,739,200 | 3,967 |
| Average equity | $15,705,200 | 3,640 |
| Average total loans | $49,853,800 | 4,457 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 3,762 |
| Cost of funding earning assets | 0.2332% | 4,722 |
| Net interest margin | 3.6390% | 3,000 |
| Noninterest income to average assets | 0.3158% | 4,278 |
| Noninterest expense to average assets | 2.7870% | 2,776 |
| Loan and lease loss provision to assets | 0.2153% | 871 |
| Net operating income to assets | 0.6833% | 4,059 |
| Return on assets (ROA) | 0.7177% | 3,946 |
| Pretax return on assets | 0.8241% | 4,288 |
| Return on Equity (ROE) | 5.0802% | 4,504 |
| Retained earnings to average equity (ytd only) | 2.5401% | 4,370 |
| Net charge-offs to loans | 0.4206% | 499 |
| Credit loss provision to net charge-offs | 117.6471% | 2,039 |
| Earnings coverage of net charge-offs (x) | 5.4642% | 3,104 |
| Efficiency ratio | 73.5944% | 1,955 |
| Assets per employee ($millions) | 3.7449% | 4,387 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 4,592 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 2,444 |
| Noncurrent loans to loans | 0.3157% | 3,819 |
| Net loans and leases to total assets | 45.2669% | 4,976 |
| Net loans and leases to deposits | 54.9771% | 4,920 |
| Net loans and leases to core deposits | 60.0425% | 4,818 |
| Total domestic deposits to total assets | 82.3378% | 3,675 |
| Equity capital to assets | 14.3787% | 891 |
| Core capital (leverage) ratio | 15.0205% | 659 |
| Tier 1 risk-based capital ratio | 29.2907% | 501 |
| Total risk-based capital ratio | 30.1671% | 513 |
| Memoranda: | ||
| Average total assets | $111,468,500 | 4,077 |
| Average earning assets | $106,327,750 | 4,019 |
| Average equity | $15,747,000 | 3,664 |
| Average total loans | $48,496,750 | 4,545 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 3,744 |
| Cost of funding earning assets | 0.2316% | 4,701 |
| Net interest margin | 3.6130% | 2,985 |
| Noninterest income to average assets | 0.3076% | 4,337 |
| Noninterest expense to average assets | 2.7794% | 2,833 |
| Loan and lease loss provision to assets | 0.2069% | 871 |
| Net operating income to assets | 0.6846% | 3,915 |
| Return on assets (ROA) | 0.7070% | 3,882 |
| Pretax return on assets | 0.7987% | 4,283 |
| Return on Equity (ROE) | 5.0348% | 4,463 |
| Retained earnings to average equity (ytd only) | 1.1914% | 4,765 |
| Net charge-offs to loans | 0.4037% | 506 |
| Credit loss provision to net charge-offs | 119.7917% | 1,785 |
| Earnings coverage of net charge-offs (x) | 5.6771% | 2,801 |
| Efficiency ratio | 73.9234% | 2,030 |
| Assets per employee ($millions) | 3.4207% | 4,833 |
| Cash dividends to net income (ytd only)* | 76.3359% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 4,598 |
| Loan loss allowance to noncurrent loans | 110.5392% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8432% | 2,098 |
| Noncurrent loans to loans | 0.8230% | 2,342 |
| Net loans and leases to total assets | 44.8790% | 5,000 |
| Net loans and leases to deposits | 54.7128% | 4,922 |
| Net loans and leases to core deposits | 60.1278% | 4,814 |
| Total domestic deposits to total assets | 82.0265% | 3,884 |
| Equity capital to assets | 14.6216% | 793 |
| Core capital (leverage) ratio | 14.6887% | 699 |
| Tier 1 risk-based capital ratio | 28.6964% | 513 |
| Total risk-based capital ratio | 29.6419% | 520 |
| Memoranda: | ||
| Average total assets | $111,175,670 | 4,112 |
| Average earning assets | $106,226,330 | 4,043 |
| Average equity | $15,611,330 | 3,689 |
| Average total loans | $47,557,330 | 4,593 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7291% | 4,012 |
| Cost of funding earning assets | 0.2314% | 4,701 |
| Net interest margin | 3.4977% | 3,282 |
| Noninterest income to average assets | 0.3249% | 4,218 |
| Noninterest expense to average assets | 2.7528% | 2,942 |
| Loan and lease loss provision to assets | 0.0357% | 3,076 |
| Net operating income to assets | 0.7799% | 3,311 |
| Return on assets (ROA) | 0.8176% | 3,194 |
| Pretax return on assets | 0.9247% | 3,677 |
| Return on Equity (ROE) | 5.9425% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.9425% | 2,379 |
| Net charge-offs to loans | 0.1461% | 1,075 |
| Credit loss provision to net charge-offs | 58.8235% | 1,915 |
| Earnings coverage of net charge-offs (x) | 15.1176% | 1,689 |
| Efficiency ratio | 75.0000% | 2,067 |
| Assets per employee ($millions) | 3.5445% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 4,800 |
| Loan loss allowance to noncurrent loans | 100.9501% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.8582% | 2,158 |
| Noncurrent loans to loans | 0.8807% | 2,272 |
| Net loans and leases to total assets | 43.1189% | 5,093 |
| Net loans and leases to deposits | 52.3161% | 5,021 |
| Net loans and leases to core deposits | 57.4326% | 4,906 |
| Total domestic deposits to total assets | 82.4199% | 4,053 |
| Equity capital to assets | 14.3092% | 813 |
| Core capital (leverage) ratio | 14.7270% | 659 |
| Tier 1 risk-based capital ratio | 28.7215% | 521 |
| Total risk-based capital ratio | 29.6022% | 523 |
| Memoranda: | ||
| Average total assets | $112,033,000 | 4,132 |
| Average earning assets | $107,157,000 | 4,063 |
| Average equity | $15,414,500 | 3,735 |
| Average total loans | $46,548,000 | 4,661 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5820% | 4,562 |
| Cost of funding earning assets | 0.2372% | 4,682 |
| Net interest margin | 3.3448% | 4,012 |
| Noninterest income to average assets | 0.2921% | 4,652 |
| Noninterest expense to average assets | 2.6823% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7463% | 3,554 |
| Return on assets (ROA) | 0.7877% | 3,468 |
| Pretax return on assets | 0.8737% | 3,929 |
| Return on Equity (ROE) | 5.7653% | 4,087 |
| Retained earnings to average equity (ytd only) | 2.0256% | 4,385 |
| Net charge-offs to loans | 0.1385% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 17.3571% | 2,052 |
| Efficiency ratio | 76.4192% | 1,921 |
| Assets per employee ($millions) | 3.5683% | 4,657 |
| Cash dividends to net income (ytd only)* | 64.8649% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 4,557 |
| Loan loss allowance to noncurrent loans | 155.3957% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 2,922 |
| Noncurrent loans to loans | 0.6138% | 3,009 |
| Net loans and leases to total assets | 39.2868% | 5,350 |
| Net loans and leases to deposits | 47.7259% | 5,311 |
| Net loans and leases to core deposits | 52.3533% | 5,214 |
| Total domestic deposits to total assets | 82.3174% | 3,986 |
| Equity capital to assets | 13.2293% | 1,161 |
| Core capital (leverage) ratio | 13.9696% | 824 |
| Tier 1 risk-based capital ratio | 29.2980% | 503 |
| Total risk-based capital ratio | 30.1148% | 515 |
| Memoranda: | ||
| Average total assets | $117,437,000 | 4,039 |
| Average earning assets | $112,981,000 | 3,948 |
| Average equity | $16,044,400 | 3,685 |
| Average total loans | $40,428,200 | 4,863 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5782% | 4,613 |
| Cost of funding earning assets | 0.2389% | 4,717 |
| Net interest margin | 3.3393% | 4,060 |
| Noninterest income to average assets | 0.2841% | 4,736 |
| Noninterest expense to average assets | 2.6531% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7558% | 3,582 |
| Return on assets (ROA) | 0.8039% | 3,487 |
| Pretax return on assets | 0.9009% | 3,978 |
| Return on Equity (ROE) | 5.8397% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.3826% | 3,875 |
| Net charge-offs to loans | 0.1904% | 1,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 13.4116% | 2,312 |
| Efficiency ratio | 75.8054% | 2,002 |
| Assets per employee ($millions) | 3.5558% | 4,712 |
| Cash dividends to net income (ytd only)* | 42.0759% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 4,040 |
| Loan loss allowance to noncurrent loans | 158.2418% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 3,106 |
| Noncurrent loans to loans | 0.6742% | 3,002 |
| Net loans and leases to total assets | 35.2059% | 5,578 |
| Net loans and leases to deposits | 43.1624% | 5,541 |
| Net loans and leases to core deposits | 47.4937% | 5,465 |
| Total domestic deposits to total assets | 81.5661% | 4,087 |
| Equity capital to assets | 14.6698% | 822 |
| Core capital (leverage) ratio | 13.6637% | 951 |
| Tier 1 risk-based capital ratio | 31.7736% | 419 |
| Total risk-based capital ratio | 32.6508% | 428 |
| Memoranda: | ||
| Average total assets | $118,249,750 | 4,053 |
| Average earning assets | $113,873,250 | 3,956 |
| Average equity | $16,279,000 | 3,689 |
| Average total loans | $39,212,250 | 4,951 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 4,753 |
| Cost of funding earning assets | 0.2374% | 4,783 |
| Net interest margin | 3.3109% | 4,190 |
| Noninterest income to average assets | 0.2522% | 4,967 |
| Noninterest expense to average assets | 2.6207% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7404% | 3,602 |
| Return on assets (ROA) | 0.7600% | 3,647 |
| Pretax return on assets | 0.8452% | 4,141 |
| Return on Equity (ROE) | 5.6377% | 4,231 |
| Retained earnings to average equity (ytd only) | 1.9205% | 4,597 |
| Net charge-offs to loans | 0.4280% | 525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.9398% | 2,798 |
| Efficiency ratio | 76.0912% | 2,066 |
| Assets per employee ($millions) | 3.6665% | 4,497 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 4,237 |
| Loan loss allowance to noncurrent loans | 177.6316% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 3,452 |
| Noncurrent loans to loans | 0.5905% | 3,298 |
| Net loans and leases to total assets | 31.5773% | 5,750 |
| Net loans and leases to deposits | 39.4656% | 5,706 |
| Net loans and leases to core deposits | 43.4230% | 5,639 |
| Total domestic deposits to total assets | 80.0124% | 4,544 |
| Equity capital to assets | 13.5890% | 1,187 |
| Core capital (leverage) ratio | 12.8283% | 1,222 |
| Tier 1 risk-based capital ratio | 31.6062% | 432 |
| Total risk-based capital ratio | 32.4494% | 444 |
| Memoranda: | ||
| Average total assets | $119,738,000 | 4,050 |
| Average earning assets | $115,438,000 | 3,955 |
| Average equity | $16,141,330 | 3,714 |
| Average total loans | $38,786,000 | 5,014 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 4,645 |
| Cost of funding earning assets | 0.2404% | 4,801 |
| Net interest margin | 3.3485% | 4,048 |
| Noninterest income to average assets | 0.2351% | 5,062 |
| Noninterest expense to average assets | 2.5993% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7694% | 3,397 |
| Return on assets (ROA) | 0.7724% | 3,490 |
| Pretax return on assets | 0.8664% | 3,977 |
| Return on Equity (ROE) | 5.7532% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.7532% | 2,497 |
| Net charge-offs to loans | 0.5865% | 377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.5088% | 2,423 |
| Efficiency ratio | 75.0727% | 2,320 |
| Assets per employee ($millions) | 3.7207% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 4,228 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 30.4111% | 5,816 |
| Net loans and leases to deposits | 37.7752% | 5,785 |
| Net loans and leases to core deposits | 41.6128% | 5,726 |
| Total domestic deposits to total assets | 80.5056% | 4,628 |
| Equity capital to assets | 13.2517% | 1,293 |
| Core capital (leverage) ratio | 13.6360% | 935 |
| Tier 1 risk-based capital ratio | 31.7724% | 438 |
| Total risk-based capital ratio | 32.6240% | 448 |
| Memoranda: | ||
| Average total assets | $119,109,500 | 4,095 |
| Average earning assets | $114,796,000 | 3,994 |
| Average equity | $15,991,000 | 3,737 |
| Average total loans | $38,873,000 | 5,051 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 4,732 |
| Cost of funding earning assets | 0.2691% | 4,597 |
| Net interest margin | 3.3086% | 4,265 |
| Noninterest income to average assets | 0.2438% | 5,136 |
| Noninterest expense to average assets | 2.4669% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7984% | 3,347 |
| Return on assets (ROA) | 0.8149% | 3,356 |
| Pretax return on assets | 0.9801% | 3,544 |
| Return on Equity (ROE) | 6.5981% | 3,734 |
| Retained earnings to average equity (ytd only) | 2.7395% | 4,122 |
| Net charge-offs to loans | -0.1890% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9815% | 2,914 |
| Assets per employee ($millions) | 3.7237% | 4,430 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 3,357 |
| Loan loss allowance to noncurrent loans | 707.2464% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 3,716 |
| Noncurrent loans to loans | 0.1726% | 4,796 |
| Net loans and leases to total assets | 34.2071% | 5,768 |
| Net loans and leases to deposits | 45.6973% | 5,583 |
| Net loans and leases to core deposits | 50.7911% | 5,463 |
| Total domestic deposits to total assets | 74.8560% | 5,564 |
| Equity capital to assets | 13.6103% | 1,083 |
| Core capital (leverage) ratio | 13.4265% | 995 |
| Tier 1 risk-based capital ratio | 31.5123% | 446 |
| Total risk-based capital ratio | 32.4825% | 449 |
| Memoranda: | ||
| Average total assets | $125,909,000 | 3,958 |
| Average earning assets | $121,138,800 | 3,860 |
| Average equity | $15,550,000 | 3,755 |
| Average total loans | $40,740,600 | 4,976 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 4,953 |
| Cost of funding earning assets | 0.2729% | 4,635 |
| Net interest margin | 3.2401% | 4,554 |
| Noninterest income to average assets | 0.2407% | 5,205 |
| Noninterest expense to average assets | 2.3994% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8784% | 3,048 |
| Return on assets (ROA) | 0.8994% | 3,049 |
| Pretax return on assets | 0.9803% | 3,689 |
| Return on Equity (ROE) | 7.4532% | 3,369 |
| Retained earnings to average equity (ytd only) | 4.8742% | 3,005 |
| Net charge-offs to loans | 0.0130% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 230.8893% | 310 |
| Efficiency ratio | 71.4771% | 2,964 |
| Assets per employee ($millions) | 3.7170% | 4,409 |
| Cash dividends to net income (ytd only)* | 34.6021% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 4,772 |
| Loan loss allowance to noncurrent loans | 689.8305% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 3,916 |
| Noncurrent loans to loans | 0.1444% | 5,062 |
| Net loans and leases to total assets | 34.0191% | 5,858 |
| Net loans and leases to deposits | 48.0896% | 5,557 |
| Net loans and leases to core deposits | 53.2617% | 5,448 |
| Total domestic deposits to total assets | 70.7411% | 5,940 |
| Equity capital to assets | 13.3532% | 1,291 |
| Core capital (leverage) ratio | 12.9407% | 1,226 |
| Tier 1 risk-based capital ratio | 31.6010% | 454 |
| Total risk-based capital ratio | 32.4052% | 460 |
| Memoranda: | ||
| Average total assets | $128,527,500 | 3,959 |
| Average earning assets | $123,612,500 | 3,852 |
| Average equity | $15,509,750 | 3,797 |
| Average total loans | $40,932,000 | 5,025 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4879% | 5,020 |
| Cost of funding earning assets | 0.2666% | 4,752 |
| Net interest margin | 3.2213% | 4,597 |
| Noninterest income to average assets | 0.2232% | 5,367 |
| Noninterest expense to average assets | 2.3352% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8926% | 2,918 |
| Return on assets (ROA) | 0.9186% | 2,917 |
| Pretax return on assets | 1.0173% | 3,512 |
| Return on Equity (ROE) | 7.8646% | 3,133 |
| Retained earnings to average equity (ytd only) | 3.9648% | 3,488 |
| Net charge-offs to loans | 0.0049% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 651.0000% | 97 |
| Efficiency ratio | 70.2604% | 3,293 |
| Assets per employee ($millions) | 3.9342% | 4,008 |
| Cash dividends to net income (ytd only)* | 49.5868% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 4,607 |
| Loan loss allowance to noncurrent loans | 577.4648% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 4,083 |
| Noncurrent loans to loans | 0.1818% | 5,050 |
| Net loans and leases to total assets | 30.7004% | 6,019 |
| Net loans and leases to deposits | 42.0621% | 5,834 |
| Net loans and leases to core deposits | 46.4381% | 5,748 |
| Total domestic deposits to total assets | 72.9884% | 5,872 |
| Equity capital to assets | 11.9696% | 2,052 |
| Core capital (leverage) ratio | 12.1227% | 1,585 |
| Tier 1 risk-based capital ratio | 30.3363% | 522 |
| Total risk-based capital ratio | 31.1271% | 545 |
| Memoranda: | ||
| Average total assets | $131,721,670 | 3,929 |
| Average earning assets | $126,780,000 | 3,824 |
| Average equity | $15,385,330 | 3,834 |
| Average total loans | $40,952,330 | 5,070 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4871% | 5,009 |
| Cost of funding earning assets | 0.2405% | 5,122 |
| Net interest margin | 3.2466% | 4,437 |
| Noninterest income to average assets | 0.2109% | 5,445 |
| Noninterest expense to average assets | 2.3738% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8520% | 2,998 |
| Return on assets (ROA) | 0.8467% | 3,143 |
| Pretax return on assets | 0.9596% | 3,651 |
| Return on Equity (ROE) | 7.3343% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.3343% | 1,840 |
| Net charge-offs to loans | 0.0191% | 2,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 162.5000% | 337 |
| Efficiency ratio | 71.0854% | 3,309 |
| Assets per employee ($millions) | 4.0194% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 5,071 |
| Loan loss allowance to noncurrent loans | 464.7727% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 4,205 |
| Noncurrent loans to loans | 0.2136% | 5,016 |
| Net loans and leases to total assets | 30.7569% | 6,047 |
| Net loans and leases to deposits | 43.9925% | 5,759 |
| Net loans and leases to core deposits | 48.5285% | 5,648 |
| Total domestic deposits to total assets | 69.9141% | 6,133 |
| Equity capital to assets | 12.0017% | 2,027 |
| Core capital (leverage) ratio | 11.6269% | 1,905 |
| Tier 1 risk-based capital ratio | 29.0549% | 593 |
| Total risk-based capital ratio | 29.8363% | 603 |
| Memoranda: | ||
| Average total assets | $134,635,500 | 3,910 |
| Average earning assets | $129,735,500 | 3,790 |
| Average equity | $15,543,500 | 3,823 |
| Average total loans | $41,898,500 | 5,070 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 5,259 |
| Cost of funding earning assets | 0.2999% | 4,800 |
| Net interest margin | 3.2274% | 4,839 |
| Noninterest income to average assets | 0.3013% | 4,961 |
| Noninterest expense to average assets | 2.4205% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7795% | 3,475 |
| Return on assets (ROA) | 0.7368% | 3,805 |
| Pretax return on assets | 0.9226% | 3,813 |
| Return on Equity (ROE) | 6.6845% | 3,799 |
| Retained earnings to average equity (ytd only) | 2.4359% | 4,495 |
| Net charge-offs to loans | 0.1715% | 2,318 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 16.6892% | 1,991 |
| Efficiency ratio | 71.5175% | 3,287 |
| Assets per employee ($millions) | 4.5544% | 2,948 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 5,217 |
| Loan loss allowance to noncurrent loans | 467.0455% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 4,302 |
| Noncurrent loans to loans | 0.2066% | 5,077 |
| Net loans and leases to total assets | 30.8722% | 6,153 |
| Net loans and leases to deposits | 43.4887% | 5,896 |
| Net loans and leases to core deposits | 51.0876% | 5,659 |
| Total domestic deposits to total assets | 70.9890% | 6,144 |
| Equity capital to assets | 11.1014% | 2,805 |
| Core capital (leverage) ratio | 10.9901% | 2,419 |
| Tier 1 risk-based capital ratio | 27.2695% | 661 |
| Total risk-based capital ratio | 28.0279% | 682 |
| Memoranda: | ||
| Average total assets | $128,116,400 | 4,013 |
| Average earning assets | $122,391,200 | 3,911 |
| Average equity | $14,122,200 | 4,004 |
| Average total loans | $43,149,600 | 5,065 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 5,392 |
| Cost of funding earning assets | 0.2985% | 4,901 |
| Net interest margin | 3.2011% | 4,968 |
| Noninterest income to average assets | 0.2773% | 5,221 |
| Noninterest expense to average assets | 2.2785% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9092% | 2,871 |
| Return on assets (ROA) | 0.8953% | 3,028 |
| Pretax return on assets | 1.0392% | 3,429 |
| Return on Equity (ROE) | 8.1379% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.2521% | 2,918 |
| Net charge-offs to loans | 0.2218% | 1,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.8052% | 2,190 |
| Efficiency ratio | 68.4144% | 3,782 |
| Assets per employee ($millions) | 4.5464% | 2,886 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 5,420 |
| Loan loss allowance to noncurrent loans | 474.7126% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 4,328 |
| Noncurrent loans to loans | 0.2005% | 5,301 |
| Net loans and leases to total assets | 29.5350% | 6,267 |
| Net loans and leases to deposits | 40.3920% | 6,108 |
| Net loans and leases to core deposits | 46.5063% | 5,940 |
| Total domestic deposits to total assets | 73.1209% | 6,084 |
| Equity capital to assets | 10.1605% | 3,980 |
| Core capital (leverage) ratio | 12.0633% | 1,664 |
| Tier 1 risk-based capital ratio | 27.3381% | 685 |
| Total risk-based capital ratio | 28.0606% | 704 |
| Memoranda: | ||
| Average total assets | $125,987,750 | 4,089 |
| Average earning assets | $120,163,000 | 3,984 |
| Average equity | $13,860,750 | 4,067 |
| Average total loans | $43,289,000 | 5,117 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 5,057 |
| Cost of funding earning assets | 0.3106% | 4,867 |
| Net interest margin | 3.3232% | 4,494 |
| Noninterest income to average assets | 0.2946% | 5,060 |
| Noninterest expense to average assets | 2.3801% | 4,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9308% | 2,649 |
| Return on assets (ROA) | 0.9306% | 2,753 |
| Pretax return on assets | 1.0662% | 3,221 |
| Return on Equity (ROE) | 8.2044% | 2,984 |
| Retained earnings to average equity (ytd only) | 3.7776% | 3,784 |
| Net charge-offs to loans | 0.3329% | 1,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.8472% | 2,435 |
| Efficiency ratio | 69.0627% | 3,824 |
| Assets per employee ($millions) | 3.8257% | 4,206 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 5,481 |
| Loan loss allowance to noncurrent loans | 469.3182% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 3,601 |
| Noncurrent loans to loans | 0.2068% | 5,400 |
| Net loans and leases to total assets | 35.5299% | 6,070 |
| Net loans and leases to deposits | 41.0700% | 6,107 |
| Net loans and leases to core deposits | 47.3625% | 5,932 |
| Total domestic deposits to total assets | 86.5105% | 2,752 |
| Equity capital to assets | 12.0645% | 1,930 |
| Core capital (leverage) ratio | 12.6201% | 1,331 |
| Tier 1 risk-based capital ratio | 28.5863% | 609 |
| Total risk-based capital ratio | 29.3562% | 627 |
| Memoranda: | ||
| Average total assets | $119,488,670 | 4,252 |
| Average earning assets | $113,326,000 | 4,157 |
| Average equity | $13,553,670 | 4,126 |
| Average total loans | $43,258,000 | 5,157 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5936% | 5,185 |
| Cost of funding earning assets | 0.3094% | 4,971 |
| Net interest margin | 3.2842% | 4,608 |
| Noninterest income to average assets | 0.2835% | 5,105 |
| Noninterest expense to average assets | 2.3613% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9256% | 2,522 |
| Return on assets (ROA) | 0.9105% | 2,673 |
| Pretax return on assets | 1.0272% | 3,222 |
| Return on Equity (ROE) | 8.2875% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.2875% | 1,502 |
| Net charge-offs to loans | 0.4036% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.0682% | 2,157 |
| Efficiency ratio | 69.4799% | 3,915 |
| Assets per employee ($millions) | 3.6968% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 5,365 |
| Loan loss allowance to noncurrent loans | 185.2941% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 3,609 |
| Noncurrent loans to loans | 0.5602% | 4,484 |
| Net loans and leases to total assets | 34.4659% | 6,154 |
| Net loans and leases to deposits | 39.4250% | 6,190 |
| Net loans and leases to core deposits | 44.9003% | 6,039 |
| Total domestic deposits to total assets | 87.4214% | 2,550 |
| Equity capital to assets | 11.2113% | 2,508 |
| Core capital (leverage) ratio | 12.8008% | 1,246 |
| Tier 1 risk-based capital ratio | 29.5870% | 545 |
| Total risk-based capital ratio | 30.4369% | 553 |
| Memoranda: | ||
| Average total assets | $119,935,000 | 4,279 |
| Average earning assets | $113,756,500 | 4,184 |
| Average equity | $13,176,500 | 4,205 |
| Average total loans | $43,612,000 | 5,180 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 3,916 |
| Cost of funding earning assets | 0.3332% | 5,296 |
| Net interest margin | 3.7188% | 2,982 |
| Noninterest income to average assets | 0.3399% | 4,889 |
| Noninterest expense to average assets | 2.5205% | 4,703 |
| Loan and lease loss provision to assets | 0.0290% | 4,534 |
| Net operating income to assets | 1.0119% | 2,277 |
| Return on assets (ROA) | 0.9546% | 2,619 |
| Pretax return on assets | 1.2620% | 2,308 |
| Return on Equity (ROE) | 8.0979% | 2,984 |
| Retained earnings to average equity (ytd only) | 5.8630% | 2,059 |
| Net charge-offs to loans | -0.0822% | 6,434 |
| Credit loss provision to net charge-offs | -82.5000% | 5,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3163% | 4,683 |
| Assets per employee ($millions) | 3.6837% | 4,518 |
| Cash dividends to net income (ytd only)* | 27.5989% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 5,227 |
| Loan loss allowance to noncurrent loans | 205.5085% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 3,671 |
| Noncurrent loans to loans | 0.5275% | 4,671 |
| Net loans and leases to total assets | 37.5408% | 6,128 |
| Net loans and leases to deposits | 42.8010% | 6,182 |
| Net loans and leases to core deposits | 48.7695% | 5,993 |
| Total domestic deposits to total assets | 87.7101% | 2,357 |
| Equity capital to assets | 10.7536% | 2,873 |
| Core capital (leverage) ratio | 12.8902% | 1,182 |
| Tier 1 risk-based capital ratio | 27.9996% | 610 |
| Total risk-based capital ratio | 28.9001% | 618 |
| Memoranda: | ||
| Average total assets | $113,867,800 | 4,413 |
| Average earning assets | $107,748,400 | 4,316 |
| Average equity | $13,423,200 | 4,176 |
| Average total loans | $48,691,200 | 5,011 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 4,078 |
| Cost of funding earning assets | 0.3383% | 5,404 |
| Net interest margin | 3.6750% | 3,132 |
| Noninterest income to average assets | 0.3485% | 4,898 |
| Noninterest expense to average assets | 2.4961% | 4,735 |
| Loan and lease loss provision to assets | 0.0390% | 4,229 |
| Net operating income to assets | 1.0139% | 2,324 |
| Return on assets (ROA) | 0.9770% | 2,583 |
| Pretax return on assets | 1.2664% | 2,458 |
| Return on Equity (ROE) | 8.1017% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.1017% | 1,368 |
| Net charge-offs to loans | -0.1208% | 6,540 |
| Credit loss provision to net charge-offs | -73.3333% | 5,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2362% | 4,615 |
| Assets per employee ($millions) | 3.5069% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 5,729 |
| Loan loss allowance to noncurrent loans | 74.8092% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 3,590 |
| Noncurrent loans to loans | 1.3336% | 3,194 |
| Net loans and leases to total assets | 43.3306% | 5,787 |
| Net loans and leases to deposits | 49.8059% | 5,847 |
| Net loans and leases to core deposits | 56.8499% | 5,546 |
| Total domestic deposits to total assets | 86.9989% | 2,695 |
| Equity capital to assets | 11.5050% | 2,299 |
| Core capital (leverage) ratio | 13.5811% | 990 |
| Tier 1 risk-based capital ratio | 27.1118% | 692 |
| Total risk-based capital ratio | 27.9905% | 714 |
| Memoranda: | ||
| Average total assets | $112,865,500 | 4,491 |
| Average earning assets | $106,809,000 | 4,386 |
| Average equity | $13,610,000 | 4,192 |
| Average total loans | $49,679,750 | 5,022 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 4,352 |
| Cost of funding earning assets | 0.3325% | 5,545 |
| Net interest margin | 3.5985% | 3,362 |
| Noninterest income to average assets | 0.3343% | 5,018 |
| Noninterest expense to average assets | 2.4708% | 4,832 |
| Loan and lease loss provision to assets | 0.0584% | 3,837 |
| Net operating income to assets | 0.9511% | 2,568 |
| Return on assets (ROA) | 0.9409% | 2,757 |
| Pretax return on assets | 1.2416% | 2,510 |
| Return on Equity (ROE) | 7.6862% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.6862% | 1,601 |
| Net charge-offs to loans | 0.0922% | 3,442 |
| Credit loss provision to net charge-offs | 143.4783% | 1,588 |
| Earnings coverage of net charge-offs (x) | 31.6957% | 1,105 |
| Efficiency ratio | 65.7103% | 4,600 |
| Assets per employee ($millions) | 3.5975% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8520% | 6,248 |
| Loan loss allowance to noncurrent loans | 49.6471% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2096% | 3,326 |
| Noncurrent loans to loans | 1.7162% | 2,741 |
| Net loans and leases to total assets | 44.0330% | 5,736 |
| Net loans and leases to deposits | 50.9034% | 5,778 |
| Net loans and leases to core deposits | 57.2792% | 5,495 |
| Total domestic deposits to total assets | 86.5030% | 3,112 |
| Equity capital to assets | 11.6256% | 2,193 |
| Core capital (leverage) ratio | 12.8450% | 1,231 |
| Tier 1 risk-based capital ratio | 26.7536% | 713 |
| Total risk-based capital ratio | 27.5152% | 733 |
| Memoranda: | ||
| Average total assets | $113,080,330 | 4,508 |
| Average earning assets | $107,655,670 | 4,394 |
| Average equity | $13,843,000 | 4,179 |
| Average total loans | $49,867,670 | 5,028 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 4,626 |
| Cost of funding earning assets | 0.3238% | 5,773 |
| Net interest margin | 3.5327% | 3,555 |
| Noninterest income to average assets | 0.3127% | 5,190 |
| Noninterest expense to average assets | 2.4451% | 4,966 |
| Loan and lease loss provision to assets | 0.1159% | 2,786 |
| Net operating income to assets | 0.8551% | 2,880 |
| Return on assets (ROA) | 0.8748% | 2,933 |
| Pretax return on assets | 1.1734% | 2,674 |
| Return on Equity (ROE) | 6.9738% | 3,500 |
| Retained earnings to average equity (ytd only) | 6.9738% | 2,161 |
| Net charge-offs to loans | 0.2558% | 1,933 |
| Credit loss provision to net charge-offs | 103.1250% | 1,785 |
| Earnings coverage of net charge-offs (x) | 11.0313% | 1,686 |
| Efficiency ratio | 66.3489% | 4,606 |
| Assets per employee ($millions) | 3.8926% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 6,410 |
| Loan loss allowance to noncurrent loans | 53.1532% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 3,630 |
| Noncurrent loans to loans | 1.5596% | 3,207 |
| Net loans and leases to total assets | 42.3106% | 5,823 |
| Net loans and leases to deposits | 49.1739% | 5,839 |
| Net loans and leases to core deposits | 55.1760% | 5,588 |
| Total domestic deposits to total assets | 86.0426% | 3,508 |
| Equity capital to assets | 12.2122% | 1,902 |
| Core capital (leverage) ratio | 12.9832% | 1,119 |
| Tier 1 risk-based capital ratio | 27.0291% | 705 |
| Total risk-based capital ratio | 27.7967% | 731 |
| Memoranda: | ||
| Average total assets | $113,860,000 | 4,531 |
| Average earning assets | $108,698,000 | 4,403 |
| Average equity | $14,282,000 | 4,140 |
| Average total loans | $50,037,500 | 5,058 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 5,368 |
| Cost of funding earning assets | 0.5542% | 4,780 |
| Net interest margin | 3.4287% | 4,783 |
| Noninterest income to average assets | 0.3324% | 5,076 |
| Noninterest expense to average assets | 2.4883% | 5,140 |
| Loan and lease loss provision to assets | 0.0879% | 4,596 |
| Net operating income to assets | 0.8129% | 3,230 |
| Return on assets (ROA) | 0.9637% | 2,721 |
| Pretax return on assets | 1.2336% | 2,659 |
| Return on Equity (ROE) | 7.5525% | 3,309 |
| Retained earnings to average equity (ytd only) | 1.3506% | 5,200 |
| Net charge-offs to loans | 0.1433% | 4,262 |
| Credit loss provision to net charge-offs | 138.8889% | 1,986 |
| Earnings coverage of net charge-offs (x) | 17.5833% | 1,497 |
| Efficiency ratio | 69.0918% | 3,957 |
| Assets per employee ($millions) | 3.5788% | 4,831 |
| Cash dividends to net income (ytd only)* | 82.1168% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 6,448 |
| Loan loss allowance to noncurrent loans | 43.4599% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 1.3737% | 3,338 |
| Noncurrent loans to loans | 1.8865% | 2,821 |
| Net loans and leases to total assets | 44.9249% | 5,738 |
| Net loans and leases to deposits | 52.7000% | 5,756 |
| Net loans and leases to core deposits | 59.5621% | 5,408 |
| Total domestic deposits to total assets | 85.2465% | 3,745 |
| Equity capital to assets | 12.8922% | 1,495 |
| Core capital (leverage) ratio | 12.0217% | 1,551 |
| Tier 1 risk-based capital ratio | 27.5911% | 652 |
| Total risk-based capital ratio | 28.3864% | 667 |
| Memoranda: | ||
| Average total assets | $113,732,800 | 4,502 |
| Average earning assets | $108,437,800 | 4,381 |
| Average equity | $14,511,800 | 4,060 |
| Average total loans | $50,229,600 | 5,098 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 5,742 |
| Cost of funding earning assets | 0.5851% | 4,789 |
| Net interest margin | 3.3334% | 5,269 |
| Noninterest income to average assets | 0.3321% | 5,147 |
| Noninterest expense to average assets | 2.4165% | 5,352 |
| Loan and lease loss provision to assets | 0.1165% | 4,100 |
| Net operating income to assets | 0.7722% | 3,590 |
| Return on assets (ROA) | 0.8343% | 3,531 |
| Pretax return on assets | 1.0778% | 3,429 |
| Return on Equity (ROE) | 6.5548% | 4,041 |
| Retained earnings to average equity (ytd only) | 3.8084% | 4,210 |
| Net charge-offs to loans | 0.1911% | 3,590 |
| Credit loss provision to net charge-offs | 138.8889% | 2,076 |
| Earnings coverage of net charge-offs (x) | 13.0552% | 1,952 |
| Efficiency ratio | 68.8122% | 3,909 |
| Assets per employee ($millions) | 3.8444% | 4,204 |
| Cash dividends to net income (ytd only)* | 41.8996% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 6,557 |
| Loan loss allowance to noncurrent loans | 64.2746% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 4,234 |
| Noncurrent loans to loans | 1.2774% | 3,911 |
| Net loans and leases to total assets | 41.7604% | 6,148 |
| Net loans and leases to deposits | 48.5854% | 6,225 |
| Net loans and leases to core deposits | 59.3940% | 5,617 |
| Total domestic deposits to total assets | 85.9526% | 3,281 |
| Equity capital to assets | 12.3625% | 1,988 |
| Core capital (leverage) ratio | 12.2053% | 1,532 |
| Tier 1 risk-based capital ratio | 28.7959% | 600 |
| Total risk-based capital ratio | 29.6133% | 611 |
| Memoranda: | ||
| Average total assets | $114,430,250 | 4,523 |
| Average earning assets | $109,155,500 | 4,417 |
| Average equity | $14,564,000 | 4,086 |
| Average total loans | $50,223,750 | 5,157 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 5,682 |
| Cost of funding earning assets | 0.6054% | 4,857 |
| Net interest margin | 3.3828% | 5,146 |
| Noninterest income to average assets | 0.3403% | 5,108 |
| Noninterest expense to average assets | 2.4245% | 5,369 |
| Loan and lease loss provision to assets | 0.1772% | 3,326 |
| Net operating income to assets | 0.7702% | 3,511 |
| Return on assets (ROA) | 0.7940% | 3,670 |
| Pretax return on assets | 1.0049% | 3,689 |
| Return on Equity (ROE) | 6.1760% | 4,225 |
| Retained earnings to average equity (ytd only) | 2.0403% | 5,184 |
| Net charge-offs to loans | 0.2986% | 2,832 |
| Credit loss provision to net charge-offs | 133.3333% | 2,058 |
| Earnings coverage of net charge-offs (x) | 8.5333% | 2,279 |
| Efficiency ratio | 68.1275% | 4,095 |
| Assets per employee ($millions) | 3.7108% | 4,497 |
| Cash dividends to net income (ytd only)* | 66.9643% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 6,646 |
| Loan loss allowance to noncurrent loans | 60.0587% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 4,523 |
| Noncurrent loans to loans | 1.3514% | 3,899 |
| Net loans and leases to total assets | 43.4498% | 6,073 |
| Net loans and leases to deposits | 50.9563% | 6,109 |
| Net loans and leases to core deposits | 61.9425% | 5,392 |
| Total domestic deposits to total assets | 85.2687% | 3,728 |
| Equity capital to assets | 12.6197% | 1,739 |
| Core capital (leverage) ratio | 12.2685% | 1,462 |
| Tier 1 risk-based capital ratio | 26.7010% | 752 |
| Total risk-based capital ratio | 27.4677% | 774 |
| Memoranda: | ||
| Average total assets | $112,848,670 | 4,594 |
| Average earning assets | $107,367,670 | 4,476 |
| Average equity | $14,507,670 | 4,088 |
| Average total loans | $50,238,330 | 5,185 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 5,799 |
| Cost of funding earning assets | 0.6165% | 4,997 |
| Net interest margin | 3.3718% | 5,233 |
| Noninterest income to average assets | 0.3364% | 5,168 |
| Noninterest expense to average assets | 2.3909% | 5,502 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9411% | 2,741 |
| Return on assets (ROA) | 1.0093% | 2,631 |
| Pretax return on assets | 1.2563% | 2,704 |
| Return on Equity (ROE) | 7.7777% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.7777% | 2,061 |
| Net charge-offs to loans | -0.0319% | 6,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4067% | 4,285 |
| Assets per employee ($millions) | 3.6906% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 6,786 |
| Loan loss allowance to noncurrent loans | 48.3791% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.0410% | 4,408 |
| Noncurrent loans to loans | 1.5940% | 3,727 |
| Net loans and leases to total assets | 43.6373% | 6,046 |
| Net loans and leases to deposits | 51.2640% | 6,042 |
| Net loans and leases to core deposits | 61.7189% | 5,355 |
| Total domestic deposits to total assets | 85.1227% | 3,972 |
| Equity capital to assets | 12.7507% | 1,571 |
| Core capital (leverage) ratio | 12.8986% | 1,161 |
| Tier 1 risk-based capital ratio | 29.4332% | 551 |
| Total risk-based capital ratio | 30.2274% | 563 |
| Memoranda: | ||
| Average total assets | $111,756,000 | 4,658 |
| Average earning assets | $106,413,000 | 4,536 |
| Average equity | $14,503,000 | 4,098 |
| Average total loans | $50,162,000 | 5,223 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3886% | 5,472 |
| Cost of funding earning assets | 0.7024% | 5,526 |
| Net interest margin | 3.6862% | 4,361 |
| Noninterest income to average assets | 0.3870% | 4,731 |
| Noninterest expense to average assets | 2.6346% | 4,976 |
| Loan and lease loss provision to assets | 0.2919% | 3,327 |
| Net operating income to assets | 0.7685% | 3,185 |
| Return on assets (ROA) | 0.9454% | 2,553 |
| Pretax return on assets | 1.1987% | 2,463 |
| Return on Equity (ROE) | 7.1853% | 3,313 |
| Retained earnings to average equity (ytd only) | 2.8913% | 4,186 |
| Net charge-offs to loans | 0.6038% | 2,639 |
| Credit loss provision to net charge-offs | 107.2664% | 3,154 |
| Earnings coverage of net charge-offs (x) | 4.6159% | 3,048 |
| Efficiency ratio | 67.7154% | 4,419 |
| Assets per employee ($millions) | 3.5195% | 4,971 |
| Cash dividends to net income (ytd only)* | 59.7610% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 6,806 |
| Loan loss allowance to noncurrent loans | 95.7606% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 5,193 |
| Noncurrent loans to loans | 0.8018% | 5,087 |
| Net loans and leases to total assets | 45.4864% | 6,057 |
| Net loans and leases to deposits | 53.8242% | 6,084 |
| Net loans and leases to core deposits | 65.2910% | 5,339 |
| Total domestic deposits to total assets | 84.5091% | 4,090 |
| Equity capital to assets | 13.2150% | 1,388 |
| Core capital (leverage) ratio | 12.9414% | 1,166 |
| Tier 1 risk-based capital ratio | 30.4953% | 497 |
| Total risk-based capital ratio | 31.3260% | 506 |
| Memoranda: | ||
| Average total assets | $106,202,800 | 4,726 |
| Average earning assets | $100,942,800 | 4,614 |
| Average equity | $13,973,000 | 4,116 |
| Average total loans | $47,866,000 | 5,354 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 5,128 |
| Cost of funding earning assets | 0.7143% | 5,677 |
| Net interest margin | 3.8248% | 3,746 |
| Noninterest income to average assets | 0.3881% | 4,752 |
| Noninterest expense to average assets | 2.6027% | 5,069 |
| Loan and lease loss provision to assets | 0.2907% | 3,192 |
| Net operating income to assets | 0.9030% | 2,728 |
| Return on assets (ROA) | 1.0378% | 2,340 |
| Pretax return on assets | 1.3032% | 2,275 |
| Return on Equity (ROE) | 7.8968% | 3,079 |
| Retained earnings to average equity (ytd only) | 5.0113% | 3,165 |
| Net charge-offs to loans | 0.5888% | 2,492 |
| Credit loss provision to net charge-offs | 110.0478% | 2,999 |
| Earnings coverage of net charge-offs (x) | 5.3493% | 2,813 |
| Efficiency ratio | 64.8096% | 4,933 |
| Assets per employee ($millions) | 3.3982% | 5,250 |
| Cash dividends to net income (ytd only)* | 36.5408% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 6,848 |
| Loan loss allowance to noncurrent loans | 936.5854% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 6,036 |
| Noncurrent loans to loans | 0.0835% | 6,727 |
| Net loans and leases to total assets | 44.7890% | 6,258 |
| Net loans and leases to deposits | 53.0874% | 6,279 |
| Net loans and leases to core deposits | 63.5997% | 5,665 |
| Total domestic deposits to total assets | 84.3684% | 4,067 |
| Equity capital to assets | 13.4292% | 1,398 |
| Core capital (leverage) ratio | 13.1993% | 1,152 |
| Tier 1 risk-based capital ratio | 29.4136% | 578 |
| Total risk-based capital ratio | 30.2082% | 587 |
| Memoranda: | ||
| Average total assets | $105,477,750 | 4,775 |
| Average earning assets | $100,047,500 | 4,672 |
| Average equity | $13,861,750 | 4,150 |
| Average total loans | $47,329,750 | 5,411 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 4,602 |
| Cost of funding earning assets | 0.7286% | 5,785 |
| Net interest margin | 3.9565% | 3,061 |
| Noninterest income to average assets | 0.3813% | 4,832 |
| Noninterest expense to average assets | 2.6516% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1717% | 1,656 |
| Return on assets (ROA) | 1.2722% | 1,457 |
| Pretax return on assets | 1.6151% | 1,237 |
| Return on Equity (ROE) | 9.7542% | 2,207 |
| Retained earnings to average equity (ytd only) | 5.3472% | 2,777 |
| Net charge-offs to loans | 0.1027% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 32.0833% | 875 |
| Efficiency ratio | 64.2526% | 5,190 |
| Assets per employee ($millions) | 3.1484% | 5,761 |
| Cash dividends to net income (ytd only)* | 45.1807% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 7,027 |
| Loan loss allowance to noncurrent loans | 418.5185% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.4755% | 5,966 |
| Noncurrent loans to loans | 0.1658% | 6,567 |
| Net loans and leases to total assets | 46.7068% | 6,191 |
| Net loans and leases to deposits | 54.8923% | 6,238 |
| Net loans and leases to core deposits | 64.7217% | 5,642 |
| Total domestic deposits to total assets | 85.0881% | 3,840 |
| Equity capital to assets | 13.6424% | 1,229 |
| Core capital (leverage) ratio | 13.2894% | 1,066 |
| Tier 1 risk-based capital ratio | 28.0271% | 653 |
| Total risk-based capital ratio | 28.7030% | 686 |
| Memoranda: | ||
| Average total assets | $104,390,000 | 4,849 |
| Average earning assets | $98,825,670 | 4,734 |
| Average equity | $13,614,670 | 4,192 |
| Average total loans | $46,743,670 | 5,485 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 4,715 |
| Cost of funding earning assets | 0.7465% | 5,888 |
| Net interest margin | 3.9098% | 3,094 |
| Noninterest income to average assets | 0.3670% | 4,973 |
| Noninterest expense to average assets | 2.6033% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1782% | 1,574 |
| Return on assets (ROA) | 1.1583% | 1,685 |
| Pretax return on assets | 1.4565% | 1,578 |
| Return on Equity (ROE) | 9.0889% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.0889% | 1,360 |
| Net charge-offs to loans | 0.2101% | 3,254 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,288 |
| Efficiency ratio | 63.9437% | 5,372 |
| Assets per employee ($millions) | 3.2105% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 7,029 |
| Loan loss allowance to noncurrent loans | 418.5185% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 6,005 |
| Noncurrent loans to loans | 0.1758% | 6,613 |
| Net loans and leases to total assets | 43.1607% | 6,533 |
| Net loans and leases to deposits | 50.2616% | 6,609 |
| Net loans and leases to core deposits | 58.5396% | 6,206 |
| Total domestic deposits to total assets | 85.8720% | 3,598 |
| Equity capital to assets | 12.9311% | 1,413 |
| Core capital (leverage) ratio | 13.3274% | 1,019 |
| Tier 1 risk-based capital ratio | 27.4780% | 670 |
| Total risk-based capital ratio | 28.1435% | 699 |
| Memoranda: | ||
| Average total assets | $104,636,500 | 4,875 |
| Average earning assets | $99,134,500 | 4,765 |
| Average equity | $13,335,000 | 4,254 |
| Average total loans | $45,682,500 | 5,577 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 5,669 |
| Cost of funding earning assets | 0.9477% | 5,944 |
| Net interest margin | 3.7879% | 3,997 |
| Noninterest income to average assets | 0.3614% | 5,220 |
| Noninterest expense to average assets | 2.6741% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9670% | 2,144 |
| Return on assets (ROA) | 1.2267% | 1,428 |
| Pretax return on assets | 1.6170% | 1,091 |
| Return on Equity (ROE) | 8.8776% | 2,346 |
| Retained earnings to average equity (ytd only) | 0.1604% | 5,497 |
| Net charge-offs to loans | -0.0219% | 7,375 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8816% | 4,588 |
| Assets per employee ($millions) | 3.3331% | 5,352 |
| Cash dividends to net income (ytd only)* | 98.1932% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 6,965 |
| Loan loss allowance to noncurrent loans | 2,592.8571% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 6,176 |
| Noncurrent loans to loans | 0.0309% | 7,056 |
| Net loans and leases to total assets | 43.4891% | 6,752 |
| Net loans and leases to deposits | 50.4689% | 6,831 |
| Net loans and leases to core deposits | 58.3615% | 6,530 |
| Total domestic deposits to total assets | 86.1701% | 3,267 |
| Equity capital to assets | 12.5524% | 1,598 |
| Core capital (leverage) ratio | 13.0588% | 1,111 |
| Tier 1 risk-based capital ratio | 26.7174% | 685 |
| Total risk-based capital ratio | 27.4256% | 724 |
| Memoranda: | ||
| Average total assets | $103,773,200 | 4,878 |
| Average earning assets | $98,021,800 | 4,775 |
| Average equity | $14,339,400 | 4,062 |
| Average total loans | $45,722,800 | 5,665 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 5,818 |
| Cost of funding earning assets | 0.9783% | 6,043 |
| Net interest margin | 3.7826% | 4,044 |
| Noninterest income to average assets | 0.3632% | 5,250 |
| Noninterest expense to average assets | 2.6067% | 5,303 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9924% | 2,261 |
| Return on assets (ROA) | 1.2655% | 1,510 |
| Pretax return on assets | 1.7044% | 1,110 |
| Return on Equity (ROE) | 8.9542% | 2,507 |
| Retained earnings to average equity (ytd only) | 3.0513% | 4,301 |
| Net charge-offs to loans | 0.0175% | 6,435 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 171.9963% | 190 |
| Efficiency ratio | 66.3075% | 4,798 |
| Assets per employee ($millions) | 3.3754% | 5,265 |
| Cash dividends to net income (ytd only)* | 65.9235% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 7,105 |
| Loan loss allowance to noncurrent loans | 913.1579% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 7,164 |
| Noncurrent loans to loans | 0.0823% | 7,030 |
| Net loans and leases to total assets | 43.8086% | 6,856 |
| Net loans and leases to deposits | 51.7574% | 6,901 |
| Net loans and leases to core deposits | 60.1638% | 6,585 |
| Total domestic deposits to total assets | 84.6421% | 3,806 |
| Equity capital to assets | 14.0677% | 1,148 |
| Core capital (leverage) ratio | 13.3260% | 1,111 |
| Tier 1 risk-based capital ratio | 26.9770% | 697 |
| Total risk-based capital ratio | 27.6453% | 726 |
| Memoranda: | ||
| Average total assets | $103,884,750 | 4,935 |
| Average earning assets | $97,988,750 | 4,837 |
| Average equity | $14,681,750 | 4,059 |
| Average total loans | $45,828,750 | 5,741 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 5,998 |
| Cost of funding earning assets | 1.0167% | 6,067 |
| Net interest margin | 3.7278% | 4,241 |
| Noninterest income to average assets | 0.3474% | 5,374 |
| Noninterest expense to average assets | 2.5841% | 5,387 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9461% | 2,383 |
| Return on assets (ROA) | 1.2100% | 1,601 |
| Pretax return on assets | 1.6327% | 1,206 |
| Return on Equity (ROE) | 8.5486% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.5486% | 1,250 |
| Net charge-offs to loans | -0.0044% | 7,101 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1178% | 4,739 |
| Assets per employee ($millions) | 3.2682% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 7,074 |
| Loan loss allowance to noncurrent loans | 327.7778% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 7,046 |
| Noncurrent loans to loans | 0.2386% | 6,755 |
| Net loans and leases to total assets | 42.9514% | 6,988 |
| Net loans and leases to deposits | 51.0327% | 7,023 |
| Net loans and leases to core deposits | 57.8510% | 6,837 |
| Total domestic deposits to total assets | 84.1644% | 4,031 |
| Equity capital to assets | 14.5036% | 1,010 |
| Core capital (leverage) ratio | 13.5723% | 1,038 |
| Tier 1 risk-based capital ratio | 29.6436% | 531 |
| Total risk-based capital ratio | 30.3775% | 550 |
| Memoranda: | ||
| Average total assets | $103,634,000 | 4,973 |
| Average earning assets | $97,377,000 | 4,895 |
| Average equity | $14,669,000 | 4,058 |
| Average total loans | $45,709,330 | 5,781 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7241% | 6,158 |
| Cost of funding earning assets | 1.0627% | 6,073 |
| Net interest margin | 3.6614% | 4,432 |
| Noninterest income to average assets | 0.3296% | 5,507 |
| Noninterest expense to average assets | 2.5901% | 5,391 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9228% | 2,460 |
| Return on assets (ROA) | 0.9151% | 2,557 |
| Pretax return on assets | 1.1594% | 2,515 |
| Return on Equity (ROE) | 6.5467% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.5467% | 2,349 |
| Net charge-offs to loans | -0.2787% | 7,727 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0796% | 4,492 |
| Assets per employee ($millions) | 3.3132% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 6,998 |
| Loan loss allowance to noncurrent loans | 267.3611% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 7,053 |
| Noncurrent loans to loans | 0.3171% | 6,673 |
| Net loans and leases to total assets | 42.4671% | 7,098 |
| Net loans and leases to deposits | 49.9019% | 7,129 |
| Net loans and leases to core deposits | 57.4616% | 6,908 |
| Total domestic deposits to total assets | 85.1011% | 3,610 |
| Equity capital to assets | 13.7397% | 1,230 |
| Core capital (leverage) ratio | 13.5892% | 1,060 |
| Tier 1 risk-based capital ratio | 30.6773% | 493 |
| Total risk-based capital ratio | 31.5266% | 499 |
| Memoranda: | ||
| Average total assets | $103,160,500 | 5,057 |
| Average earning assets | $96,357,000 | 4,974 |
| Average equity | $14,419,500 | 4,143 |
| Average total loans | $45,927,500 | 5,839 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0684% | 6,201 |
| Cost of funding earning assets | 1.1257% | 6,899 |
| Net interest margin | 3.9427% | 3,107 |
| Noninterest income to average assets | 0.5250% | 4,217 |
| Noninterest expense to average assets | 3.1786% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9369% | 2,065 |
| Return on assets (ROA) | 0.9575% | 2,037 |
| Pretax return on assets | 1.1274% | 2,165 |
| Return on Equity (ROE) | 6.6918% | 2,908 |
| Retained earnings to average equity (ytd only) | 2.4250% | 3,435 |
| Net charge-offs to loans | 0.2502% | 5,058 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,732 |
| Efficiency ratio | 74.3102% | 3,834 |
| Assets per employee ($millions) | 3.1344% | 5,902 |
| Cash dividends to net income (ytd only)* | 63.7620% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 7,230 |
| Loan loss allowance to noncurrent loans | 165.7277% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 6,834 |
| Noncurrent loans to loans | 0.4586% | 6,346 |
| Net loans and leases to total assets | 45.9551% | 6,979 |
| Net loans and leases to deposits | 54.3575% | 7,029 |
| Net loans and leases to core deposits | 88.1758% | 5,308 |
| Total domestic deposits to total assets | 84.5424% | 3,779 |
| Equity capital to assets | 14.2293% | 1,099 |
| Core capital (leverage) ratio | 13.6119% | 1,062 |
| Tier 1 risk-based capital ratio | 28.5404% | 606 |
| Total risk-based capital ratio | 29.2774% | 621 |
| Memoranda: | ||
| Average total assets | $98,281,800 | 5,132 |
| Average earning assets | $93,540,800 | 5,021 |
| Average equity | $14,062,000 | 4,235 |
| Average total loans | $43,167,600 | 5,971 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1539% | 6,095 |
| Cost of funding earning assets | 1.1251% | 7,116 |
| Net interest margin | 4.0288% | 2,686 |
| Noninterest income to average assets | 0.5618% | 3,999 |
| Noninterest expense to average assets | 3.1158% | 3,597 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0549% | 1,881 |
| Return on assets (ROA) | 1.0773% | 1,857 |
| Pretax return on assets | 1.3091% | 1,934 |
| Return on Equity (ROE) | 7.5185% | 2,859 |
| Retained earnings to average equity (ytd only) | 4.6634% | 2,675 |
| Net charge-offs to loans | 0.3400% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 8.6850% | 2,214 |
| Efficiency ratio | 70.8967% | 4,441 |
| Assets per employee ($millions) | 3.1149% | 5,870 |
| Cash dividends to net income (ytd only)* | 37.9746% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 7,166 |
| Loan loss allowance to noncurrent loans | 114.9837% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 6,504 |
| Noncurrent loans to loans | 0.6831% | 5,935 |
| Net loans and leases to total assets | 44.7350% | 7,196 |
| Net loans and leases to deposits | 53.1358% | 7,251 |
| Net loans and leases to core deposits | 83.8255% | 6,051 |
| Total domestic deposits to total assets | 84.1901% | 3,634 |
| Equity capital to assets | 14.5599% | 1,124 |
| Core capital (leverage) ratio | 13.8734% | 1,123 |
| Tier 1 risk-based capital ratio | 29.2964% | 612 |
| Total risk-based capital ratio | 30.0447% | 615 |
| Memoranda: | ||
| Average total assets | $97,777,250 | 5,182 |
| Average earning assets | $93,027,500 | 5,072 |
| Average equity | $14,009,500 | 4,295 |
| Average total loans | $42,348,000 | 6,052 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 6,006 |
| Cost of funding earning assets | 1.1378% | 7,280 |
| Net interest margin | 4.0820% | 2,386 |
| Noninterest income to average assets | 0.4221% | 5,105 |
| Noninterest expense to average assets | 2.9935% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0852% | 1,823 |
| Return on assets (ROA) | 1.1179% | 1,792 |
| Pretax return on assets | 1.3547% | 1,853 |
| Return on Equity (ROE) | 7.8459% | 2,837 |
| Retained earnings to average equity (ytd only) | 7.8459% | 1,261 |
| Net charge-offs to loans | 0.4532% | 3,010 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.7872% | 2,546 |
| Efficiency ratio | 69.5029% | 4,879 |
| Assets per employee ($millions) | 3.0588% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 6,987 |
| Loan loss allowance to noncurrent loans | 112.5767% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 6,036 |
| Noncurrent loans to loans | 0.7530% | 5,732 |
| Net loans and leases to total assets | 43.8533% | 7,342 |
| Net loans and leases to deposits | 51.8544% | 7,392 |
| Net loans and leases to core deposits | 78.0649% | 6,544 |
| Total domestic deposits to total assets | 84.5700% | 3,466 |
| Equity capital to assets | 14.3817% | 1,197 |
| Core capital (leverage) ratio | 14.0082% | 1,137 |
| Tier 1 risk-based capital ratio | 30.0307% | 605 |
| Total risk-based capital ratio | 30.8252% | 615 |
| Memoranda: | ||
| Average total assets | $97,143,670 | 5,244 |
| Average earning assets | $92,455,330 | 5,106 |
| Average equity | $13,841,670 | 4,342 |
| Average total loans | $41,482,670 | 6,137 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2905% | 5,934 |
| Cost of funding earning assets | 1.1694% | 7,369 |
| Net interest margin | 4.1211% | 2,211 |
| Noninterest income to average assets | 0.4216% | 5,031 |
| Noninterest expense to average assets | 2.9718% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1353% | 1,850 |
| Return on assets (ROA) | 1.1449% | 1,947 |
| Pretax return on assets | 1.3805% | 2,024 |
| Return on Equity (ROE) | 8.0734% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.0734% | 1,784 |
| Net charge-offs to loans | 0.9266% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.5213% | 3,154 |
| Efficiency ratio | 68.4762% | 4,871 |
| Assets per employee ($millions) | 3.0695% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 6,845 |
| Loan loss allowance to noncurrent loans | 91.0670% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 5,595 |
| Noncurrent loans to loans | 0.9616% | 5,072 |
| Net loans and leases to total assets | 42.2927% | 7,450 |
| Net loans and leases to deposits | 49.9555% | 7,496 |
| Net loans and leases to core deposits | 73.5504% | 6,834 |
| Total domestic deposits to total assets | 84.6607% | 3,385 |
| Equity capital to assets | 14.2479% | 1,296 |
| Core capital (leverage) ratio | 13.9892% | 1,196 |
| Tier 1 risk-based capital ratio | 29.7753% | 630 |
| Total risk-based capital ratio | 30.5783% | 645 |
| Memoranda: | ||
| Average total assets | $96,775,000 | 5,280 |
| Average earning assets | $92,014,500 | 5,144 |
| Average equity | $13,724,000 | 4,398 |
| Average total loans | $40,578,500 | 6,210 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7444% | 6,622 |
| Cost of funding earning assets | 2.1397% | 5,876 |
| Net interest margin | 3.6046% | 4,868 |
| Noninterest income to average assets | 0.4691% | 4,886 |
| Noninterest expense to average assets | 2.7444% | 5,074 |
| Loan and lease loss provision to assets | 0.0599% | 6,661 |
| Net operating income to assets | 1.3293% | 1,405 |
| Return on assets (ROA) | 0.3533% | 5,147 |
| Pretax return on assets | 0.1168% | 5,910 |
| Return on Equity (ROE) | 2.5225% | 5,411 |
| Retained earnings to average equity (ytd only) | -10.3038% | 7,094 |
| Net charge-offs to loans | 0.0209% | 6,570 |
| Credit loss provision to net charge-offs | 750.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 144.3750% | 316 |
| Efficiency ratio | 70.4225% | 4,266 |
| Assets per employee ($millions) | 2.8886% | 6,341 |
| Cash dividends to net income (ytd only)* | 508.4746% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 4,744 |
| Loan loss allowance to noncurrent loans | 64.7472% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 4,982 |
| Noncurrent loans to loans | 1.8141% | 3,042 |
| Net loans and leases to total assets | 40.6892% | 7,641 |
| Net loans and leases to deposits | 48.0239% | 7,706 |
| Net loans and leases to core deposits | 71.8850% | 7,086 |
| Total domestic deposits to total assets | 84.7270% | 2,962 |
| Equity capital to assets | 14.1128% | 1,395 |
| Core capital (leverage) ratio | 13.9114% | 1,275 |
| Tier 1 risk-based capital ratio | 30.0462% | 643 |
| Total risk-based capital ratio | 31.0853% | 629 |
| Memoranda: | ||
| Average total assets | $100,202,400 | 5,040 |
| Average earning assets | $95,293,600 | 4,942 |
| Average equity | $14,033,600 | 4,331 |
| Average total loans | $38,298,400 | 6,255 |