Home > THE SEILING STATE BANK > Performance and Condition Ratios
THE SEILING STATE BANK, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3055% | 908 |
| Cost of funding earning assets | 2.9161% | 582 |
| Net interest margin | 3.3895% | 2,304 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 2.6385% | 1,910 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.6431% | 3,118 |
| Return on assets (ROA) | 0.6964% | 3,018 |
| Pretax return on assets | 0.6964% | 3,266 |
| Return on Equity (ROE) | 9.1600% | 2,420 |
| Retained earnings to average equity (ytd only) | 1.4024% | 3,567 |
| Net charge-offs to loans | 0.0672% | 1,456 |
| Credit loss provision to net charge-offs | 111.3924% | 1,753 |
| Earnings coverage of net charge-offs (x) | 16.3797% | 1,980 |
| Efficiency ratio | 79.2695% | 1,103 |
| Assets per employee ($millions) | 7.1071% | 2,092 |
| Cash dividends to net income (ytd only)* | 84.6861% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 2,330 |
| Loan loss allowance to noncurrent loans | 210.2210% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 1,786 |
| Noncurrent loans to loans | 0.5561% | 1,686 |
| Net loans and leases to total assets | 67.0600% | 2,251 |
| Net loans and leases to deposits | 73.4076% | 2,702 |
| Net loans and leases to core deposits | 104.5306% | 1,207 |
| Total domestic deposits to total assets | 91.3500% | 435 |
| Equity capital to assets | 7.2718% | 3,861 |
| Core capital (leverage) ratio | 9.4710% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2035% | 2,147 |
| Memoranda: | ||
| Average total assets | $187,532,000 | 3,076 |
| Average earning assets | $174,481,400 | 3,058 |
| Average equity | $14,261,400 | 3,391 |
| Average total loans | $117,622,400 | 3,030 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3081% | 875 |
| Cost of funding earning assets | 2.9248% | 574 |
| Net interest margin | 3.3833% | 2,265 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.5487% | 2,095 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.7337% | 2,888 |
| Return on assets (ROA) | 0.7788% | 2,771 |
| Pretax return on assets | 0.7788% | 3,096 |
| Return on Equity (ROE) | 10.1300% | 2,155 |
| Retained earnings to average equity (ytd only) | 0.3720% | 3,881 |
| Net charge-offs to loans | 0.0186% | 2,001 |
| Credit loss provision to net charge-offs | 375.0000% | 762 |
| Earnings coverage of net charge-offs (x) | 67.8750% | 1,022 |
| Efficiency ratio | 76.6452% | 1,341 |
| Assets per employee ($millions) | 6.5906% | 2,449 |
| Cash dividends to net income (ytd only)* | 96.3269% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 1,476 |
| Loan loss allowance to noncurrent loans | 529.5918% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 2,676 |
| Noncurrent loans to loans | 0.2572% | 2,520 |
| Net loans and leases to total assets | 61.0900% | 2,824 |
| Net loans and leases to deposits | 66.7251% | 3,201 |
| Net loans and leases to core deposits | 101.4114% | 1,396 |
| Total domestic deposits to total assets | 91.5600% | 254 |
| Equity capital to assets | 8.0607% | 3,673 |
| Core capital (leverage) ratio | 9.2796% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7740% | 1,606 |
| Memoranda: | ||
| Average total assets | $186,442,250 | 3,087 |
| Average earning assets | $173,909,500 | 3,071 |
| Average equity | $14,338,250 | 3,383 |
| Average total loans | $114,479,000 | 3,053 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1984% | 915 |
| Cost of funding earning assets | 2.8231% | 631 |
| Net interest margin | 3.3753% | 2,235 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 2.5102% | 2,208 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7462% | 2,799 |
| Return on assets (ROA) | 0.7462% | 2,811 |
| Pretax return on assets | 0.7462% | 3,127 |
| Return on Equity (ROE) | 9.8600% | 2,227 |
| Retained earnings to average equity (ytd only) | -0.1554% | 3,934 |
| Net charge-offs to loans | -0.0960% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.5956% | 1,500 |
| Assets per employee ($millions) | 6.9760% | 2,091 |
| Cash dividends to net income (ytd only)* | 101.5759% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,318 |
| Loan loss allowance to noncurrent loans | 633.4630% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 2,445 |
| Noncurrent loans to loans | 0.2236% | 2,597 |
| Net loans and leases to total assets | 60.1500% | 2,940 |
| Net loans and leases to deposits | 65.1413% | 3,302 |
| Net loans and leases to core deposits | 96.8466% | 1,685 |
| Total domestic deposits to total assets | 92.3400% | 214 |
| Equity capital to assets | 7.4366% | 3,764 |
| Core capital (leverage) ratio | 9.2217% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8847% | 1,557 |
| Memoranda: | ||
| Average total assets | $187,077,333 | 3,084 |
| Average earning assets | $174,915,667 | 3,065 |
| Average equity | $14,159,333 | 3,380 |
| Average total loans | $114,540,333 | 3,054 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0063% | 1,052 |
| Cost of funding earning assets | 2.7637% | 646 |
| Net interest margin | 3.2426% | 2,472 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 2.4501% | 2,382 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.6758% | 2,915 |
| Return on assets (ROA) | 0.6758% | 2,935 |
| Pretax return on assets | 0.6758% | 3,215 |
| Return on Equity (ROE) | 8.8500% | 2,431 |
| Retained earnings to average equity (ytd only) | -2.7537% | 3,994 |
| Net charge-offs to loans | -0.0140% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.7989% | 1,475 |
| Assets per employee ($millions) | 7.1051% | 2,015 |
| Cash dividends to net income (ytd only)* | 131.1111% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 1,566 |
| Loan loss allowance to noncurrent loans | 1,757.9545% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 2,925 |
| Noncurrent loans to loans | 0.0768% | 3,243 |
| Net loans and leases to total assets | 61.1600% | 2,746 |
| Net loans and leases to deposits | 66.4444% | 3,136 |
| Net loans and leases to core deposits | 93.2686% | 1,826 |
| Total domestic deposits to total assets | 92.0500% | 322 |
| Equity capital to assets | 7.6803% | 3,573 |
| Core capital (leverage) ratio | 9.4539% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9598% | 1,548 |
| Memoranda: | ||
| Average total assets | $186,439,500 | 3,091 |
| Average earning assets | $174,551,500 | 3,075 |
| Average equity | $14,235,500 | 3,379 |
| Average total loans | $114,348,000 | 3,059 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9450% | 684 |
| Cost of funding earning assets | 1.9691% | 964 |
| Net interest margin | 3.9760% | 1,245 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.4146% | 2,544 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.4474% | 1,123 |
| Return on assets (ROA) | 0.7550% | 3,008 |
| Pretax return on assets | 0.7550% | 3,326 |
| Return on Equity (ROE) | 10.0100% | 2,492 |
| Retained earnings to average equity (ytd only) | -0.0077% | 4,083 |
| Net charge-offs to loans | -0.0103% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.4159% | 2,919 |
| Assets per employee ($millions) | 7.5259% | 1,713 |
| Cash dividends to net income (ytd only)* | 100.0768% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 1,664 |
| Loan loss allowance to noncurrent loans | 713.2075% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 2,786 |
| Noncurrent loans to loans | 0.1857% | 2,586 |
| Net loans and leases to total assets | 59.8800% | 2,848 |
| Net loans and leases to deposits | 65.0670% | 3,233 |
| Net loans and leases to core deposits | 89.7880% | 2,065 |
| Total domestic deposits to total assets | 92.0200% | 307 |
| Equity capital to assets | 7.5914% | 3,664 |
| Core capital (leverage) ratio | 9.9679% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1222% | 1,502 |
| Memoranda: | ||
| Average total assets | $172,449,200 | 3,179 |
| Average earning assets | $161,143,600 | 3,160 |
| Average equity | $13,009,400 | 3,428 |
| Average total loans | $106,738,000 | 3,112 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6555% | 844 |
| Cost of funding earning assets | 1.9558% | 773 |
| Net interest margin | 3.6998% | 1,775 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.3838% | 2,568 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2279% | 1,708 |
| Return on assets (ROA) | 1.2287% | 1,703 |
| Pretax return on assets | 1.2287% | 2,233 |
| Return on Equity (ROE) | 16.3200% | 1,197 |
| Retained earnings to average equity (ytd only) | 4.9903% | 2,937 |
| Net charge-offs to loans | -0.0153% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.7261% | 2,419 |
| Assets per employee ($millions) | 7.4597% | 1,662 |
| Cash dividends to net income (ytd only)* | 69.4140% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 1,395 |
| Loan loss allowance to noncurrent loans | 2,748.1481% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,491 |
| Noncurrent loans to loans | 0.0515% | 3,387 |
| Net loans and leases to total assets | 60.2700% | 2,817 |
| Net loans and leases to deposits | 65.3348% | 3,189 |
| Net loans and leases to core deposits | 81.1552% | 2,520 |
| Total domestic deposits to total assets | 92.2500% | 406 |
| Equity capital to assets | 7.5484% | 3,328 |
| Core capital (leverage) ratio | 10.9276% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5949% | 1,004 |
| Memoranda: | ||
| Average total assets | $168,524,750 | 3,209 |
| Average earning assets | $157,411,250 | 3,199 |
| Average equity | $12,691,000 | 3,452 |
| Average total loans | $104,880,250 | 3,125 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3908% | 961 |
| Cost of funding earning assets | 1.7741% | 777 |
| Net interest margin | 3.6168% | 2,000 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.4178% | 2,429 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1426% | 1,994 |
| Return on assets (ROA) | 1.1438% | 1,984 |
| Pretax return on assets | 1.1438% | 2,526 |
| Return on Equity (ROE) | 15.2000% | 1,430 |
| Retained earnings to average equity (ytd only) | 4.3636% | 3,112 |
| Net charge-offs to loans | 0.0820% | 774 |
| Credit loss provision to net charge-offs | 162.7907% | 1,149 |
| Earnings coverage of net charge-offs (x) | 23.8837% | 1,664 |
| Efficiency ratio | 66.3499% | 2,189 |
| Assets per employee ($millions) | 7.4994% | 1,608 |
| Cash dividends to net income (ytd only)* | 71.2944% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 1,759 |
| Loan loss allowance to noncurrent loans | 3,707.8947% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,594 |
| Noncurrent loans to loans | 0.0361% | 3,477 |
| Net loans and leases to total assets | 60.2000% | 2,751 |
| Net loans and leases to deposits | 65.1440% | 3,118 |
| Net loans and leases to core deposits | 78.1787% | 2,598 |
| Total domestic deposits to total assets | 92.4100% | 342 |
| Equity capital to assets | 7.3090% | 3,628 |
| Core capital (leverage) ratio | 10.3216% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1268% | 1,293 |
| Memoranda: | ||
| Average total assets | $167,509,000 | 3,228 |
| Average earning assets | $157,489,333 | 3,206 |
| Average equity | $12,604,333 | 3,476 |
| Average total loans | $104,876,333 | 3,121 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2193% | 933 |
| Cost of funding earning assets | 1.4394% | 957 |
| Net interest margin | 3.7799% | 1,727 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.4530% | 2,359 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.3283% | 1,595 |
| Return on assets (ROA) | 1.3332% | 1,553 |
| Pretax return on assets | 1.3332% | 2,078 |
| Return on Equity (ROE) | 17.7200% | 1,062 |
| Retained earnings to average equity (ytd only) | 8.3444% | 2,133 |
| Net charge-offs to loans | 0.1146% | 547 |
| Credit loss provision to net charge-offs | 133.3333% | 995 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,462 |
| Efficiency ratio | 63.2500% | 2,539 |
| Assets per employee ($millions) | 7.7444% | 1,490 |
| Cash dividends to net income (ytd only)* | 52.9091% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 1,938 |
| Loan loss allowance to noncurrent loans | 1,931.9444% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 3,361 |
| Noncurrent loans to loans | 0.0685% | 3,242 |
| Net loans and leases to total assets | 60.9200% | 2,564 |
| Net loans and leases to deposits | 67.6677% | 2,796 |
| Net loans and leases to core deposits | 81.5819% | 2,141 |
| Total domestic deposits to total assets | 90.0200% | 1,148 |
| Equity capital to assets | 7.2780% | 3,687 |
| Core capital (leverage) ratio | 10.6222% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6103% | 1,232 |
| Memoranda: | ||
| Average total assets | $165,020,000 | 3,293 |
| Average earning assets | $157,570,000 | 3,253 |
| Average equity | $12,415,500 | 3,535 |
| Average total loans | $104,691,500 | 3,153 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4748% | 755 |
| Cost of funding earning assets | 0.4379% | 1,805 |
| Net interest margin | 4.0369% | 743 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.3861% | 2,465 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.6157% | 665 |
| Return on assets (ROA) | 1.6189% | 629 |
| Pretax return on assets | 1.6189% | 1,117 |
| Return on Equity (ROE) | 18.1400% | 681 |
| Retained earnings to average equity (ytd only) | 5.4305% | 2,862 |
| Net charge-offs to loans | -0.0337% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.5846% | 3,252 |
| Assets per employee ($millions) | 7.9832% | 1,327 |
| Cash dividends to net income (ytd only)* | 70.0599% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 1,777 |
| Loan loss allowance to noncurrent loans | 6,580.9524% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,746 |
| Noncurrent loans to loans | 0.0202% | 3,669 |
| Net loans and leases to total assets | 64.4000% | 2,207 |
| Net loans and leases to deposits | 74.0322% | 2,256 |
| Net loans and leases to core deposits | 86.7669% | 1,693 |
| Total domestic deposits to total assets | 86.9900% | 2,394 |
| Equity capital to assets | 7.7858% | 3,197 |
| Core capital (leverage) ratio | 10.5156% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2002% | 1,314 |
| Memoranda: | ||
| Average total assets | $154,732,600 | 3,395 |
| Average earning assets | $147,537,400 | 3,350 |
| Average equity | $13,811,000 | 3,493 |
| Average total loans | $97,850,400 | 3,180 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 992 |
| Cost of funding earning assets | 0.2698% | 2,492 |
| Net interest margin | 3.8684% | 853 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.3383% | 2,517 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.4662% | 919 |
| Return on assets (ROA) | 1.4688% | 895 |
| Pretax return on assets | 1.4688% | 1,501 |
| Return on Equity (ROE) | 15.9300% | 993 |
| Retained earnings to average equity (ytd only) | 4.5398% | 3,267 |
| Net charge-offs to loans | -0.0139% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.2237% | 3,086 |
| Assets per employee ($millions) | 7.8722% | 1,387 |
| Cash dividends to net income (ytd only)* | 71.4962% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 1,941 |
| Loan loss allowance to noncurrent loans | 71.9892% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.1814% | 356 |
| Noncurrent loans to loans | 1.8339% | 343 |
| Net loans and leases to total assets | 63.5700% | 2,134 |
| Net loans and leases to deposits | 69.8443% | 2,375 |
| Net loans and leases to core deposits | 88.0283% | 1,410 |
| Total domestic deposits to total assets | 91.0100% | 1,239 |
| Equity capital to assets | 7.5977% | 3,153 |
| Core capital (leverage) ratio | 10.9156% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9654% | 1,184 |
| Memoranda: | ||
| Average total assets | $153,500,000 | 3,433 |
| Average earning assets | $146,276,250 | 3,384 |
| Average equity | $14,156,000 | 3,491 |
| Average total loans | $96,261,500 | 3,218 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 942 |
| Cost of funding earning assets | 0.2281% | 2,531 |
| Net interest margin | 3.7683% | 806 |
| Noninterest income to average assets | 0.1906% | 4,050 |
| Noninterest expense to average assets | 2.3852% | 2,276 |
| Loan and lease loss provision to assets | 0.0657% | 1,432 |
| Net operating income to assets | 1.3221% | 1,087 |
| Return on assets (ROA) | 1.3234% | 1,064 |
| Pretax return on assets | 1.3234% | 1,670 |
| Return on Equity (ROE) | 13.5283% | 1,234 |
| Retained earnings to average equity (ytd only) | 2.9690% | 3,459 |
| Net charge-offs to loans | -0.0127% | 3,684 |
| Credit loss provision to net charge-offs | -833.3333% | 3,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2184% | 2,884 |
| Assets per employee ($millions) | 7.7651% | 1,438 |
| Cash dividends to net income (ytd only)* | 78.0536% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 2,054 |
| Loan loss allowance to noncurrent loans | 76.1765% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.0946% | 412 |
| Noncurrent loans to loans | 1.7447% | 389 |
| Net loans and leases to total assets | 61.9088% | 2,133 |
| Net loans and leases to deposits | 67.3865% | 2,438 |
| Net loans and leases to core deposits | 83.1697% | 1,506 |
| Total domestic deposits to total assets | 91.8713% | 891 |
| Equity capital to assets | 8.0244% | 3,107 |
| Core capital (leverage) ratio | 10.9938% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9189% | 1,201 |
| Memoranda: | ||
| Average total assets | $152,185,667 | 3,476 |
| Average earning assets | $144,681,667 | 3,450 |
| Average equity | $14,887,333 | 3,507 |
| Average total loans | $94,541,667 | 3,266 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 1,170 |
| Cost of funding earning assets | 0.2157% | 2,585 |
| Net interest margin | 3.5409% | 1,008 |
| Noninterest income to average assets | 0.1593% | 4,199 |
| Noninterest expense to average assets | 2.2094% | 2,814 |
| Loan and lease loss provision to assets | 0.0531% | 1,431 |
| Net operating income to assets | 1.2534% | 1,110 |
| Return on assets (ROA) | 1.2561% | 1,090 |
| Pretax return on assets | 1.2561% | 1,638 |
| Return on Equity (ROE) | 11.7516% | 1,389 |
| Retained earnings to average equity (ytd only) | 2.4596% | 3,419 |
| Net charge-offs to loans | -0.0129% | 3,692 |
| Credit loss provision to net charge-offs | -666.6667% | 3,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8399% | 3,163 |
| Assets per employee ($millions) | 7.7736% | 1,509 |
| Cash dividends to net income (ytd only)* | 79.0698% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,954 |
| Loan loss allowance to noncurrent loans | 72.4039% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 413 |
| Noncurrent loans to loans | 1.9168% | 387 |
| Net loans and leases to total assets | 57.6757% | 2,329 |
| Net loans and leases to deposits | 63.8987% | 2,534 |
| Net loans and leases to core deposits | 79.8314% | 1,494 |
| Total domestic deposits to total assets | 90.2612% | 1,406 |
| Equity capital to assets | 9.6513% | 2,177 |
| Core capital (leverage) ratio | 11.1965% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7906% | 1,309 |
| Memoranda: | ||
| Average total assets | $150,628,000 | 3,511 |
| Average earning assets | $142,788,000 | 3,483 |
| Average equity | $16,100,000 | 3,464 |
| Average total loans | $93,092,500 | 3,284 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 380 |
| Cost of funding earning assets | 0.2530% | 2,887 |
| Net interest margin | 4.5157% | 263 |
| Noninterest income to average assets | 0.2240% | 4,034 |
| Noninterest expense to average assets | 2.7330% | 1,537 |
| Loan and lease loss provision to assets | 0.1667% | 699 |
| Net operating income to assets | 1.5296% | 958 |
| Return on assets (ROA) | 1.5869% | 877 |
| Pretax return on assets | 1.5869% | 1,461 |
| Return on Equity (ROE) | 14.1723% | 1,136 |
| Retained earnings to average equity (ytd only) | 3.5609% | 3,402 |
| Net charge-offs to loans | 0.0528% | 1,273 |
| Credit loss provision to net charge-offs | 522.7273% | 782 |
| Earnings coverage of net charge-offs (x) | 53.1818% | 1,263 |
| Efficiency ratio | 61.7021% | 2,911 |
| Assets per employee ($millions) | 7.2893% | 1,736 |
| Cash dividends to net income (ytd only)* | 74.8744% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,354 |
| Loan loss allowance to noncurrent loans | 68.3398% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 367 |
| Noncurrent loans to loans | 1.9033% | 417 |
| Net loans and leases to total assets | 64.4888% | 1,652 |
| Net loans and leases to deposits | 75.1219% | 1,633 |
| Net loans and leases to core deposits | 96.4078% | 673 |
| Total domestic deposits to total assets | 85.8456% | 2,960 |
| Equity capital to assets | 11.7948% | 1,348 |
| Core capital (leverage) ratio | 11.9559% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9757% | 1,270 |
| Memoranda: | ||
| Average total assets | $137,942,800 | 3,599 |
| Average earning assets | $128,461,800 | 3,594 |
| Average equity | $15,445,600 | 3,591 |
| Average total loans | $83,256,800 | 3,424 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1834% | 227 |
| Cost of funding earning assets | 0.2644% | 2,965 |
| Net interest margin | 4.9190% | 172 |
| Noninterest income to average assets | 0.2236% | 4,068 |
| Noninterest expense to average assets | 2.5179% | 2,069 |
| Loan and lease loss provision to assets | 0.1861% | 565 |
| Net operating income to assets | 2.0610% | 420 |
| Return on assets (ROA) | 2.0914% | 422 |
| Pretax return on assets | 2.0914% | 682 |
| Return on Equity (ROE) | 18.9491% | 522 |
| Retained earnings to average equity (ytd only) | 8.0043% | 2,055 |
| Net charge-offs to loans | -0.0415% | 4,270 |
| Credit loss provision to net charge-offs | -760.0000% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8395% | 3,938 |
| Assets per employee ($millions) | 6.9552% | 1,902 |
| Cash dividends to net income (ytd only)* | 57.7590% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 1,356 |
| Loan loss allowance to noncurrent loans | 3,336.8421% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 3,558 |
| Noncurrent loans to loans | 0.0478% | 3,876 |
| Net loans and leases to total assets | 56.2917% | 2,695 |
| Net loans and leases to deposits | 64.7226% | 2,764 |
| Net loans and leases to core deposits | 76.3197% | 2,015 |
| Total domestic deposits to total assets | 86.9738% | 2,361 |
| Equity capital to assets | 12.9105% | 1,006 |
| Core capital (leverage) ratio | 12.4251% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0937% | 801 |
| Memoranda: | ||
| Average total assets | $135,982,250 | 3,660 |
| Average earning assets | $125,551,250 | 3,656 |
| Average equity | $15,008,250 | 3,683 |
| Average total loans | $80,257,500 | 3,522 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 304 |
| Cost of funding earning assets | 0.2839% | 2,933 |
| Net interest margin | 4.7897% | 224 |
| Noninterest income to average assets | 0.2090% | 4,151 |
| Noninterest expense to average assets | 2.5137% | 2,097 |
| Loan and lease loss provision to assets | 0.2371% | 426 |
| Net operating income to assets | 1.8586% | 639 |
| Return on assets (ROA) | 1.9016% | 614 |
| Pretax return on assets | 1.9016% | 1,019 |
| Return on Equity (ROE) | 18.2963% | 617 |
| Retained earnings to average equity (ytd only) | 8.0145% | 2,066 |
| Net charge-offs to loans | -0.0447% | 4,320 |
| Credit loss provision to net charge-offs | -888.8889% | 3,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5338% | 3,736 |
| Assets per employee ($millions) | 7.0573% | 1,761 |
| Cash dividends to net income (ytd only)* | 56.1964% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 1,469 |
| Loan loss allowance to noncurrent loans | 12,310.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,826 |
| Noncurrent loans to loans | 0.0125% | 4,177 |
| Net loans and leases to total assets | 55.8967% | 2,909 |
| Net loans and leases to deposits | 63.9709% | 3,003 |
| Net loans and leases to core deposits | 72.0617% | 2,599 |
| Total domestic deposits to total assets | 87.3783% | 2,140 |
| Equity capital to assets | 12.4949% | 1,135 |
| Core capital (leverage) ratio | 12.1115% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8179% | 835 |
| Memoranda: | ||
| Average total assets | $134,941,667 | 3,687 |
| Average earning assets | $123,974,667 | 3,691 |
| Average equity | $14,024,667 | 3,789 |
| Average total loans | $80,486,000 | 3,543 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5908% | 177 |
| Cost of funding earning assets | 0.3197% | 2,797 |
| Net interest margin | 5.2711% | 138 |
| Noninterest income to average assets | 0.1729% | 4,329 |
| Noninterest expense to average assets | 2.5516% | 2,020 |
| Loan and lease loss provision to assets | 0.3944% | 199 |
| Net operating income to assets | 2.0297% | 552 |
| Return on assets (ROA) | 2.0358% | 588 |
| Pretax return on assets | 2.0358% | 896 |
| Return on Equity (ROE) | 21.9658% | 397 |
| Retained earnings to average equity (ytd only) | 17.7101% | 377 |
| Net charge-offs to loans | -0.0744% | 4,539 |
| Credit loss provision to net charge-offs | -866.6667% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2805% | 4,064 |
| Assets per employee ($millions) | 6.6308% | 2,069 |
| Cash dividends to net income (ytd only)* | 19.3741% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,690 |
| Loan loss allowance to noncurrent loans | 3,523.5294% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 3,792 |
| Noncurrent loans to loans | 0.0419% | 4,078 |
| Net loans and leases to total assets | 60.3004% | 2,510 |
| Net loans and leases to deposits | 66.5984% | 2,853 |
| Net loans and leases to core deposits | 75.6435% | 2,384 |
| Total domestic deposits to total assets | 90.5434% | 567 |
| Equity capital to assets | 9.3269% | 3,360 |
| Core capital (leverage) ratio | 8.8353% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1900% | 2,213 |
| Memoranda: | ||
| Average total assets | $131,839,500 | 3,717 |
| Average earning assets | $120,126,500 | 3,739 |
| Average equity | $12,219,000 | 3,975 |
| Average total loans | $80,665,500 | 3,549 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5953% | 1,104 |
| Cost of funding earning assets | 0.6074% | 2,261 |
| Net interest margin | 3.9879% | 993 |
| Noninterest income to average assets | 0.2715% | 3,852 |
| Noninterest expense to average assets | 2.6603% | 2,357 |
| Loan and lease loss provision to assets | 0.1783% | 2,167 |
| Net operating income to assets | 1.1304% | 1,800 |
| Return on assets (ROA) | 1.3768% | 1,164 |
| Pretax return on assets | 1.3768% | 1,739 |
| Return on Equity (ROE) | 14.6218% | 701 |
| Retained earnings to average equity (ytd only) | 6.0243% | 1,784 |
| Net charge-offs to loans | -0.0102% | 4,263 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0274% | 2,362 |
| Assets per employee ($millions) | 6.5532% | 1,884 |
| Cash dividends to net income (ytd only)* | 58.7993% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 2,352 |
| Loan loss allowance to noncurrent loans | 51.7191% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6107% | 430 |
| Noncurrent loans to loans | 2.5398% | 392 |
| Net loans and leases to total assets | 60.3618% | 2,810 |
| Net loans and leases to deposits | 66.8068% | 3,203 |
| Net loans and leases to core deposits | 77.0531% | 2,630 |
| Total domestic deposits to total assets | 90.3527% | 433 |
| Equity capital to assets | 9.2085% | 3,881 |
| Core capital (leverage) ratio | 8.7561% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5436% | 2,426 |
| Memoranda: | ||
| Average total assets | $123,406,400 | 3,707 |
| Average earning assets | $114,420,200 | 3,703 |
| Average equity | $11,619,600 | 4,014 |
| Average total loans | $78,428,000 | 3,584 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 1,199 |
| Cost of funding earning assets | 0.6569% | 2,289 |
| Net interest margin | 3.9847% | 1,146 |
| Noninterest income to average assets | 0.2359% | 4,084 |
| Noninterest expense to average assets | 2.6196% | 2,483 |
| Loan and lease loss provision to assets | 0.1539% | 2,474 |
| Net operating income to assets | 1.1775% | 1,716 |
| Return on assets (ROA) | 1.3806% | 1,243 |
| Pretax return on assets | 1.3806% | 1,793 |
| Return on Equity (ROE) | 14.5760% | 772 |
| Retained earnings to average equity (ytd only) | 10.8219% | 609 |
| Net charge-offs to loans | -0.0855% | 4,794 |
| Credit loss provision to net charge-offs | -280.0000% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3056% | 2,432 |
| Assets per employee ($millions) | 6.3692% | 1,936 |
| Cash dividends to net income (ytd only)* | 25.7552% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,276 |
| Loan loss allowance to noncurrent loans | 5,638.8889% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 4,066 |
| Noncurrent loans to loans | 0.0226% | 4,320 |
| Net loans and leases to total assets | 61.7743% | 3,037 |
| Net loans and leases to deposits | 68.4904% | 3,433 |
| Net loans and leases to core deposits | 79.8340% | 2,858 |
| Total domestic deposits to total assets | 90.1941% | 366 |
| Equity capital to assets | 9.6159% | 3,587 |
| Core capital (leverage) ratio | 8.9064% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1599% | 2,127 |
| Memoranda: | ||
| Average total assets | $121,492,250 | 3,719 |
| Average earning assets | $113,263,000 | 3,710 |
| Average equity | $11,507,250 | 4,033 |
| Average total loans | $77,993,750 | 3,609 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 1,812 |
| Cost of funding earning assets | 0.7033% | 2,363 |
| Net interest margin | 3.8342% | 1,732 |
| Noninterest income to average assets | 0.2409% | 4,039 |
| Noninterest expense to average assets | 2.6554% | 2,501 |
| Loan and lease loss provision to assets | 0.1841% | 2,180 |
| Net operating income to assets | 1.0140% | 2,272 |
| Return on assets (ROA) | 1.3152% | 1,427 |
| Pretax return on assets | 1.3152% | 1,984 |
| Return on Equity (ROE) | 13.9609% | 900 |
| Retained earnings to average equity (ytd only) | 10.1243% | 772 |
| Net charge-offs to loans | -0.1033% | 4,857 |
| Credit loss provision to net charge-offs | -275.0000% | 3,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9101% | 2,103 |
| Assets per employee ($millions) | 6.3640% | 1,888 |
| Cash dividends to net income (ytd only)* | 27.4809% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,343 |
| Loan loss allowance to noncurrent loans | 1,220.0000% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 3,925 |
| Noncurrent loans to loans | 0.1010% | 4,050 |
| Net loans and leases to total assets | 61.4621% | 3,169 |
| Net loans and leases to deposits | 67.8106% | 3,585 |
| Net loans and leases to core deposits | 78.6806% | 3,054 |
| Total domestic deposits to total assets | 90.6380% | 240 |
| Equity capital to assets | 9.1735% | 3,950 |
| Core capital (leverage) ratio | 8.6424% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0622% | 2,153 |
| Memoranda: | ||
| Average total assets | $119,528,667 | 3,727 |
| Average earning assets | $112,617,000 | 3,703 |
| Average equity | $11,260,000 | 4,073 |
| Average total loans | $77,423,333 | 3,622 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 1,644 |
| Cost of funding earning assets | 0.7421% | 2,712 |
| Net interest margin | 3.9808% | 1,439 |
| Noninterest income to average assets | 0.2836% | 3,825 |
| Noninterest expense to average assets | 2.8430% | 2,297 |
| Loan and lease loss provision to assets | 0.2767% | 1,126 |
| Net operating income to assets | 0.9304% | 2,414 |
| Return on assets (ROA) | 1.0653% | 2,054 |
| Pretax return on assets | 1.0653% | 2,622 |
| Return on Equity (ROE) | 11.1473% | 1,373 |
| Retained earnings to average equity (ytd only) | 6.9490% | 1,556 |
| Net charge-offs to loans | -0.0366% | 4,535 |
| Credit loss provision to net charge-offs | -1,142.8571% | 3,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1964% | 2,323 |
| Assets per employee ($millions) | 5.9495% | 1,721 |
| Cash dividends to net income (ytd only)* | 37.6623% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,776 |
| Loan loss allowance to noncurrent loans | 921.2121% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 3,912 |
| Noncurrent loans to loans | 0.1281% | 4,007 |
| Net loans and leases to total assets | 64.1625% | 3,050 |
| Net loans and leases to deposits | 70.9334% | 3,520 |
| Net loans and leases to core deposits | 82.6007% | 2,971 |
| Total domestic deposits to total assets | 90.4547% | 208 |
| Equity capital to assets | 9.3630% | 4,345 |
| Core capital (leverage) ratio | 8.9426% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3456% | 2,132 |
| Memoranda: | ||
| Average total assets | $115,653,000 | 3,768 |
| Average earning assets | $109,426,000 | 3,719 |
| Average equity | $11,052,000 | 4,114 |
| Average total loans | $76,532,500 | 3,635 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 1,949 |
| Cost of funding earning assets | 0.6034% | 3,621 |
| Net interest margin | 4.2268% | 1,265 |
| Noninterest income to average assets | 0.4192% | 3,178 |
| Noninterest expense to average assets | 2.9300% | 2,211 |
| Loan and lease loss provision to assets | 0.1174% | 1,798 |
| Net operating income to assets | 1.2706% | 1,801 |
| Return on assets (ROA) | 1.2776% | 1,856 |
| Pretax return on assets | 1.2776% | 2,582 |
| Return on Equity (ROE) | 13.7976% | 941 |
| Retained earnings to average equity (ytd only) | 5.6355% | 2,077 |
| Net charge-offs to loans | 0.0502% | 2,396 |
| Credit loss provision to net charge-offs | 385.7143% | 728 |
| Earnings coverage of net charge-offs (x) | 45.6000% | 1,201 |
| Efficiency ratio | 67.8550% | 2,485 |
| Assets per employee ($millions) | 5.3484% | 2,196 |
| Cash dividends to net income (ytd only)* | 59.1559% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,015 |
| Loan loss allowance to noncurrent loans | 868.4211% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 3,875 |
| Noncurrent loans to loans | 0.1253% | 4,026 |
| Net loans and leases to total assets | 66.7590% | 2,866 |
| Net loans and leases to deposits | 74.2614% | 3,330 |
| Net loans and leases to core deposits | 86.7685% | 2,729 |
| Total domestic deposits to total assets | 89.8973% | 353 |
| Equity capital to assets | 9.7609% | 4,141 |
| Core capital (leverage) ratio | 9.2628% | 4,312 |
| Tier 1 risk-based capital ratio | 13.3200% | 3,622 |
| Total risk-based capital ratio | 14.3665% | 3,615 |
| Memoranda: | ||
| Average total assets | $114,984,000 | 3,765 |
| Average earning assets | $106,061,200 | 3,776 |
| Average equity | $10,646,800 | 4,164 |
| Average total loans | $69,676,600 | 3,784 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 1,967 |
| Cost of funding earning assets | 0.5700% | 3,818 |
| Net interest margin | 4.2806% | 1,199 |
| Noninterest income to average assets | 0.4323% | 3,128 |
| Noninterest expense to average assets | 2.7830% | 2,611 |
| Loan and lease loss provision to assets | 0.0461% | 2,980 |
| Net operating income to assets | 1.5425% | 1,081 |
| Return on assets (ROA) | 1.5518% | 1,107 |
| Pretax return on assets | 1.5518% | 1,809 |
| Return on Equity (ROE) | 16.9820% | 480 |
| Retained earnings to average equity (ytd only) | 11.3046% | 470 |
| Net charge-offs to loans | -0.0724% | 4,922 |
| Credit loss provision to net charge-offs | -108.1081% | 4,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6603% | 3,073 |
| Assets per employee ($millions) | 5.3794% | 2,148 |
| Cash dividends to net income (ytd only)* | 33.4327% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 2,979 |
| Loan loss allowance to noncurrent loans | 777.6699% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 4,260 |
| Noncurrent loans to loans | 0.1427% | 4,031 |
| Net loans and leases to total assets | 63.1798% | 3,367 |
| Net loans and leases to deposits | 70.3654% | 3,746 |
| Net loans and leases to core deposits | 74.0345% | 3,827 |
| Total domestic deposits to total assets | 89.7883% | 343 |
| Equity capital to assets | 10.0055% | 4,011 |
| Core capital (leverage) ratio | 9.3613% | 4,313 |
| Tier 1 risk-based capital ratio | 14.1998% | 3,223 |
| Total risk-based capital ratio | 15.2534% | 3,244 |
| Memoranda: | ||
| Average total assets | $115,651,000 | 3,798 |
| Average earning assets | $106,431,750 | 3,815 |
| Average equity | $10,567,750 | 4,220 |
| Average total loans | $68,144,250 | 3,849 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 2,225 |
| Cost of funding earning assets | 0.5439% | 3,911 |
| Net interest margin | 4.2062% | 1,350 |
| Noninterest income to average assets | 0.4908% | 2,728 |
| Noninterest expense to average assets | 2.6994% | 2,910 |
| Loan and lease loss provision to assets | 0.0172% | 3,446 |
| Net operating income to assets | 1.6491% | 809 |
| Return on assets (ROA) | 1.6577% | 827 |
| Pretax return on assets | 1.6577% | 1,372 |
| Return on Equity (ROE) | 18.7161% | 339 |
| Retained earnings to average equity (ytd only) | 11.9349% | 412 |
| Net charge-offs to loans | -0.0838% | 4,967 |
| Credit loss provision to net charge-offs | -35.7143% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8318% | 3,459 |
| Assets per employee ($millions) | 5.7078% | 1,781 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 2,787 |
| Loan loss allowance to noncurrent loans | 3,060.0000% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 4,673 |
| Noncurrent loans to loans | 0.0376% | 4,521 |
| Net loans and leases to total assets | 57.5607% | 3,954 |
| Net loans and leases to deposits | 63.7982% | 4,235 |
| Net loans and leases to core deposits | 66.7415% | 4,279 |
| Total domestic deposits to total assets | 90.2230% | 273 |
| Equity capital to assets | 9.5921% | 4,319 |
| Core capital (leverage) ratio | 9.2688% | 4,388 |
| Tier 1 risk-based capital ratio | 14.5891% | 3,023 |
| Total risk-based capital ratio | 15.6504% | 3,036 |
| Memoranda: | ||
| Average total assets | $116,545,330 | 3,816 |
| Average earning assets | $107,365,330 | 3,816 |
| Average equity | $10,322,670 | 4,259 |
| Average total loans | $66,801,000 | 3,908 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 2,241 |
| Cost of funding earning assets | 0.5202% | 3,974 |
| Net interest margin | 4.1763% | 1,356 |
| Noninterest income to average assets | 0.6625% | 1,768 |
| Noninterest expense to average assets | 2.6499% | 3,057 |
| Loan and lease loss provision to assets | 0.0340% | 2,950 |
| Net operating income to assets | 1.8244% | 543 |
| Return on assets (ROA) | 1.8379% | 530 |
| Pretax return on assets | 1.8379% | 891 |
| Return on Equity (ROE) | 21.6205% | 189 |
| Retained earnings to average equity (ytd only) | 17.6241% | 158 |
| Net charge-offs to loans | -0.0418% | 4,778 |
| Credit loss provision to net charge-offs | -142.8571% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7792% | 3,983 |
| Assets per employee ($millions) | 5.8546% | 1,663 |
| Cash dividends to net income (ytd only)* | 18.4843% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 2,922 |
| Loan loss allowance to noncurrent loans | 2,251.5152% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,711 |
| Noncurrent loans to loans | 0.0505% | 4,541 |
| Net loans and leases to total assets | 55.1494% | 4,124 |
| Net loans and leases to deposits | 60.6071% | 4,381 |
| Net loans and leases to core deposits | 64.6183% | 4,352 |
| Total domestic deposits to total assets | 90.9950% | 175 |
| Equity capital to assets | 8.8410% | 4,791 |
| Core capital (leverage) ratio | 8.6700% | 4,898 |
| Tier 1 risk-based capital ratio | 14.3863% | 3,153 |
| Total risk-based capital ratio | 15.4199% | 3,183 |
| Memoranda: | ||
| Average total assets | $117,740,000 | 3,841 |
| Average earning assets | $108,420,500 | 3,840 |
| Average equity | $10,009,000 | 4,329 |
| Average total loans | $66,964,500 | 3,944 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 2,393 |
| Cost of funding earning assets | 0.4228% | 3,838 |
| Net interest margin | 4.0998% | 1,679 |
| Noninterest income to average assets | 0.1931% | 4,751 |
| Noninterest expense to average assets | 2.7611% | 2,823 |
| Loan and lease loss provision to assets | 0.1053% | 2,089 |
| Net operating income to assets | 1.0971% | 2,611 |
| Return on assets (ROA) | 1.0971% | 2,610 |
| Pretax return on assets | 1.0971% | 3,280 |
| Return on Equity (ROE) | 13.2603% | 1,244 |
| Retained earnings to average equity (ytd only) | 6.3650% | 1,998 |
| Net charge-offs to loans | 0.1075% | 1,671 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 19.0278% | 2,092 |
| Efficiency ratio | 69.6634% | 2,252 |
| Assets per employee ($millions) | 5.9195% | 1,577 |
| Cash dividends to net income (ytd only)* | 52.0000% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,333 |
| Loan loss allowance to noncurrent loans | 1,770.7317% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 4,678 |
| Noncurrent loans to loans | 0.0598% | 4,481 |
| Net loans and leases to total assets | 57.3406% | 4,023 |
| Net loans and leases to deposits | 62.6992% | 4,330 |
| Net loans and leases to core deposits | 67.4051% | 4,274 |
| Total domestic deposits to total assets | 91.4536% | 125 |
| Equity capital to assets | 8.1646% | 5,098 |
| Core capital (leverage) ratio | 8.3551% | 5,085 |
| Tier 1 risk-based capital ratio | 13.2519% | 3,694 |
| Total risk-based capital ratio | 14.2238% | 3,746 |
| Memoranda: | ||
| Average total assets | $113,940,400 | 3,886 |
| Average earning assets | $104,784,800 | 3,899 |
| Average equity | $9,426,600 | 4,394 |
| Average total loans | $66,991,000 | 3,937 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 2,423 |
| Cost of funding earning assets | 0.4065% | 3,812 |
| Net interest margin | 4.0565% | 1,767 |
| Noninterest income to average assets | 0.2777% | 4,295 |
| Noninterest expense to average assets | 2.7380% | 2,848 |
| Loan and lease loss provision to assets | 0.1064% | 1,884 |
| Net operating income to assets | 1.1593% | 2,414 |
| Return on assets (ROA) | 1.1593% | 2,415 |
| Pretax return on assets | 1.1593% | 3,164 |
| Return on Equity (ROE) | 13.9640% | 1,133 |
| Retained earnings to average equity (ytd only) | 11.1171% | 623 |
| Net charge-offs to loans | 0.0701% | 1,834 |
| Credit loss provision to net charge-offs | 257.1429% | 1,149 |
| Earnings coverage of net charge-offs (x) | 30.5970% | 1,586 |
| Efficiency ratio | 68.3884% | 2,467 |
| Assets per employee ($millions) | 5.3881% | 2,027 |
| Cash dividends to net income (ytd only)* | 20.3873% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,241 |
| Loan loss allowance to noncurrent loans | 4,311.7647% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,926 |
| Noncurrent loans to loans | 0.0253% | 4,782 |
| Net loans and leases to total assets | 58.7079% | 3,971 |
| Net loans and leases to deposits | 64.2767% | 4,314 |
| Net loans and leases to core deposits | 69.1253% | 4,243 |
| Total domestic deposits to total assets | 91.3363% | 159 |
| Equity capital to assets | 8.4764% | 4,938 |
| Core capital (leverage) ratio | 8.7358% | 4,932 |
| Tier 1 risk-based capital ratio | 13.7856% | 3,470 |
| Total risk-based capital ratio | 14.7880% | 3,521 |
| Memoranda: | ||
| Average total assets | $112,828,250 | 3,940 |
| Average earning assets | $103,634,500 | 3,960 |
| Average equity | $9,366,750 | 4,443 |
| Average total loans | $66,586,000 | 3,982 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 2,555 |
| Cost of funding earning assets | 0.3878% | 3,823 |
| Net interest margin | 3.9692% | 1,963 |
| Noninterest income to average assets | 0.2484% | 4,520 |
| Noninterest expense to average assets | 2.7164% | 2,956 |
| Loan and lease loss provision to assets | 0.1065% | 1,840 |
| Net operating income to assets | 1.0752% | 2,690 |
| Return on assets (ROA) | 1.0752% | 2,695 |
| Pretax return on assets | 1.0752% | 3,411 |
| Return on Equity (ROE) | 13.0435% | 1,354 |
| Retained earnings to average equity (ytd only) | 10.8911% | 689 |
| Net charge-offs to loans | 0.0361% | 2,127 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 1,051 |
| Efficiency ratio | 69.6859% | 2,369 |
| Assets per employee ($millions) | 5.5136% | 1,870 |
| Cash dividends to net income (ytd only)* | 16.5017% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,464 |
| Loan loss allowance to noncurrent loans | 4,033.3333% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,958 |
| Noncurrent loans to loans | 0.0264% | 4,807 |
| Net loans and leases to total assets | 58.3084% | 3,961 |
| Net loans and leases to deposits | 63.6003% | 4,305 |
| Net loans and leases to core deposits | 68.2687% | 4,239 |
| Total domestic deposits to total assets | 91.6795% | 124 |
| Equity capital to assets | 8.1556% | 5,167 |
| Core capital (leverage) ratio | 8.5944% | 5,045 |
| Tier 1 risk-based capital ratio | 13.1714% | 3,809 |
| Total risk-based capital ratio | 14.1466% | 3,870 |
| Memoranda: | ||
| Average total assets | $112,721,000 | 3,975 |
| Average earning assets | $103,648,330 | 3,994 |
| Average equity | $9,292,000 | 4,496 |
| Average total loans | $66,394,330 | 4,010 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 2,700 |
| Cost of funding earning assets | 0.3887% | 3,669 |
| Net interest margin | 3.8639% | 2,181 |
| Noninterest income to average assets | 0.3490% | 3,809 |
| Noninterest expense to average assets | 2.6550% | 3,175 |
| Loan and lease loss provision to assets | 0.1079% | 1,731 |
| Net operating income to assets | 1.1260% | 2,305 |
| Return on assets (ROA) | 1.1260% | 2,326 |
| Pretax return on assets | 1.1260% | 3,065 |
| Return on Equity (ROE) | 13.5843% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.5843% | 449 |
| Net charge-offs to loans | -0.0244% | 4,650 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2701% | 2,790 |
| Assets per employee ($millions) | 5.8121% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,436 |
| Loan loss allowance to noncurrent loans | 1,369.2308% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 4,883 |
| Noncurrent loans to loans | 0.0798% | 4,625 |
| Net loans and leases to total assets | 55.4507% | 4,162 |
| Net loans and leases to deposits | 60.3626% | 4,448 |
| Net loans and leases to core deposits | 66.3254% | 4,287 |
| Total domestic deposits to total assets | 91.8627% | 124 |
| Equity capital to assets | 7.9739% | 5,281 |
| Core capital (leverage) ratio | 8.3085% | 5,253 |
| Tier 1 risk-based capital ratio | 13.1871% | 3,858 |
| Total risk-based capital ratio | 14.1677% | 3,883 |
| Memoranda: | ||
| Average total assets | $111,188,500 | 4,046 |
| Average earning assets | $101,865,500 | 4,066 |
| Average equity | $9,216,500 | 4,558 |
| Average total loans | $65,472,000 | 4,070 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 3,063 |
| Cost of funding earning assets | 0.4191% | 3,061 |
| Net interest margin | 3.6792% | 2,882 |
| Noninterest income to average assets | 0.3698% | 3,824 |
| Noninterest expense to average assets | 2.9867% | 2,197 |
| Loan and lease loss provision to assets | 0.1165% | 1,954 |
| Net operating income to assets | 0.6921% | 3,630 |
| Return on assets (ROA) | 0.7028% | 3,648 |
| Pretax return on assets | 0.7028% | 4,503 |
| Return on Equity (ROE) | 7.8828% | 2,850 |
| Retained earnings to average equity (ytd only) | 2.1776% | 4,016 |
| Net charge-offs to loans | 0.0336% | 3,117 |
| Credit loss provision to net charge-offs | 571.4286% | 562 |
| Earnings coverage of net charge-offs (x) | 39.6667% | 1,267 |
| Efficiency ratio | 78.6957% | 1,254 |
| Assets per employee ($millions) | 5.3068% | 2,138 |
| Cash dividends to net income (ytd only)* | 72.3757% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 3,736 |
| Loan loss allowance to noncurrent loans | 1,695.0000% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 4,948 |
| Noncurrent loans to loans | 0.0608% | 4,718 |
| Net loans and leases to total assets | 61.3341% | 3,698 |
| Net loans and leases to deposits | 67.2712% | 4,081 |
| Net loans and leases to core deposits | 74.4127% | 3,849 |
| Total domestic deposits to total assets | 91.1744% | 203 |
| Equity capital to assets | 8.6343% | 5,003 |
| Core capital (leverage) ratio | 8.8980% | 4,756 |
| Tier 1 risk-based capital ratio | 12.9923% | 3,908 |
| Total risk-based capital ratio | 13.9425% | 3,989 |
| Memoranda: | ||
| Average total assets | $103,023,800 | 4,188 |
| Average earning assets | $95,918,200 | 4,160 |
| Average equity | $9,184,600 | 4,582 |
| Average total loans | $62,588,000 | 4,139 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 3,251 |
| Cost of funding earning assets | 0.4304% | 2,884 |
| Net interest margin | 3.5993% | 3,157 |
| Noninterest income to average assets | 0.3521% | 4,011 |
| Noninterest expense to average assets | 2.9197% | 2,337 |
| Loan and lease loss provision to assets | 0.1174% | 1,848 |
| Net operating income to assets | 0.6846% | 4,051 |
| Return on assets (ROA) | 0.6990% | 4,050 |
| Pretax return on assets | 0.6990% | 4,613 |
| Return on Equity (ROE) | 7.7766% | 3,247 |
| Retained earnings to average equity (ytd only) | 3.4240% | 3,890 |
| Net charge-offs to loans | 0.0453% | 2,534 |
| Credit loss provision to net charge-offs | 428.5714% | 730 |
| Earnings coverage of net charge-offs (x) | 29.2850% | 1,579 |
| Efficiency ratio | 78.4513% | 1,271 |
| Assets per employee ($millions) | 5.4042% | 2,014 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 4,184 |
| Loan loss allowance to noncurrent loans | 662.2449% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 4,763 |
| Noncurrent loans to loans | 0.1480% | 4,461 |
| Net loans and leases to total assets | 63.8466% | 3,427 |
| Net loans and leases to deposits | 70.4278% | 3,927 |
| Net loans and leases to core deposits | 79.8414% | 3,464 |
| Total domestic deposits to total assets | 90.6553% | 272 |
| Equity capital to assets | 9.1236% | 4,806 |
| Core capital (leverage) ratio | 8.5763% | 5,187 |
| Tier 1 risk-based capital ratio | 13.0144% | 3,998 |
| Total risk-based capital ratio | 13.9214% | 4,116 |
| Memoranda: | ||
| Average total assets | $102,246,000 | 4,241 |
| Average earning assets | $95,720,500 | 4,210 |
| Average equity | $9,189,750 | 4,633 |
| Average total loans | $61,791,250 | 4,198 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 3,795 |
| Cost of funding earning assets | 0.4069% | 3,007 |
| Net interest margin | 3.4207% | 3,698 |
| Noninterest income to average assets | 0.3428% | 4,094 |
| Noninterest expense to average assets | 2.8971% | 2,434 |
| Loan and lease loss provision to assets | 0.1175% | 1,748 |
| Net operating income to assets | 0.5230% | 4,638 |
| Return on assets (ROA) | 0.5230% | 4,670 |
| Pretax return on assets | 0.5230% | 4,964 |
| Return on Equity (ROE) | 5.8486% | 4,116 |
| Retained earnings to average equity (ytd only) | 1.4676% | 4,655 |
| Net charge-offs to loans | 0.0597% | 2,078 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 18.1667% | 1,897 |
| Efficiency ratio | 81.8937% | 1,016 |
| Assets per employee ($millions) | 5.3522% | 2,009 |
| Cash dividends to net income (ytd only)* | 74.9064% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 4,230 |
| Loan loss allowance to noncurrent loans | 1,003.2258% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 4,977 |
| Noncurrent loans to loans | 0.0984% | 4,735 |
| Net loans and leases to total assets | 58.2981% | 3,995 |
| Net loans and leases to deposits | 63.9438% | 4,369 |
| Net loans and leases to core deposits | 80.1325% | 3,413 |
| Total domestic deposits to total assets | 91.1708% | 182 |
| Equity capital to assets | 8.6348% | 5,201 |
| Core capital (leverage) ratio | 8.7938% | 4,954 |
| Tier 1 risk-based capital ratio | 13.0123% | 3,988 |
| Total risk-based capital ratio | 13.8974% | 4,127 |
| Memoranda: | ||
| Average total assets | $102,101,670 | 4,269 |
| Average earning assets | $95,361,000 | 4,244 |
| Average equity | $9,130,330 | 4,663 |
| Average total loans | $60,319,670 | 4,255 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 3,687 |
| Cost of funding earning assets | 0.3928% | 3,072 |
| Net interest margin | 3.4284% | 3,533 |
| Noninterest income to average assets | 0.3573% | 3,981 |
| Noninterest expense to average assets | 3.0111% | 2,138 |
| Loan and lease loss provision to assets | 0.1204% | 1,588 |
| Net operating income to assets | 0.4497% | 4,779 |
| Return on assets (ROA) | 0.4497% | 4,800 |
| Pretax return on assets | 0.4497% | 5,060 |
| Return on Equity (ROE) | 4.9372% | 4,422 |
| Retained earnings to average equity (ytd only) | 0.5290% | 4,800 |
| Net charge-offs to loans | 0.1560% | 1,033 |
| Credit loss provision to net charge-offs | 130.4348% | 1,310 |
| Earnings coverage of net charge-offs (x) | 6.1739% | 2,233 |
| Efficiency ratio | 84.0807% | 966 |
| Assets per employee ($millions) | 5.0780% | 2,337 |
| Cash dividends to net income (ytd only)* | 89.2857% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 4,207 |
| Loan loss allowance to noncurrent loans | 861.7647% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 5,005 |
| Noncurrent loans to loans | 0.1174% | 4,721 |
| Net loans and leases to total assets | 56.4750% | 4,119 |
| Net loans and leases to deposits | 62.1712% | 4,422 |
| Net loans and leases to core deposits | 77.7213% | 3,497 |
| Total domestic deposits to total assets | 90.8379% | 347 |
| Equity capital to assets | 8.9651% | 4,838 |
| Core capital (leverage) ratio | 9.2001% | 4,480 |
| Tier 1 risk-based capital ratio | 13.4802% | 3,790 |
| Total risk-based capital ratio | 14.3495% | 3,926 |
| Memoranda: | ||
| Average total assets | $99,631,000 | 4,356 |
| Average earning assets | $93,688,500 | 4,316 |
| Average equity | $9,074,000 | 4,701 |
| Average total loans | $58,966,500 | 4,325 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 1,765 |
| Cost of funding earning assets | 0.3464% | 3,555 |
| Net interest margin | 4.0763% | 1,440 |
| Noninterest income to average assets | 0.3437% | 4,274 |
| Noninterest expense to average assets | 3.2169% | 1,748 |
| Loan and lease loss provision to assets | 0.1375% | 1,817 |
| Net operating income to assets | 0.8217% | 3,197 |
| Return on assets (ROA) | 0.8534% | 3,161 |
| Pretax return on assets | 0.8534% | 3,996 |
| Return on Equity (ROE) | 8.6746% | 2,578 |
| Retained earnings to average equity (ytd only) | 1.0642% | 4,888 |
| Net charge-offs to loans | 0.0870% | 2,453 |
| Credit loss provision to net charge-offs | 254.9020% | 1,130 |
| Earnings coverage of net charge-offs (x) | 17.7843% | 2,017 |
| Efficiency ratio | 77.0322% | 1,837 |
| Assets per employee ($millions) | 4.6525% | 2,872 |
| Cash dividends to net income (ytd only)* | 87.7323% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 4,496 |
| Loan loss allowance to noncurrent loans | 330.8571% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 4,602 |
| Noncurrent loans to loans | 0.2917% | 4,105 |
| Net loans and leases to total assets | 60.8094% | 3,761 |
| Net loans and leases to deposits | 67.1694% | 4,156 |
| Net loans and leases to core deposits | 84.8149% | 2,944 |
| Total domestic deposits to total assets | 90.5314% | 439 |
| Equity capital to assets | 9.2557% | 4,513 |
| Core capital (leverage) ratio | 9.4100% | 4,212 |
| Tier 1 risk-based capital ratio | 13.2855% | 3,905 |
| Total risk-based capital ratio | 14.1331% | 4,039 |
| Memoranda: | ||
| Average total assets | $94,564,000 | 4,454 |
| Average earning assets | $88,904,400 | 4,412 |
| Average equity | $9,303,000 | 4,687 |
| Average total loans | $58,600,800 | 4,344 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 2,202 |
| Cost of funding earning assets | 0.3326% | 3,757 |
| Net interest margin | 3.9544% | 1,798 |
| Noninterest income to average assets | 0.3227% | 4,468 |
| Noninterest expense to average assets | 3.1179% | 1,984 |
| Loan and lease loss provision to assets | 0.1422% | 1,647 |
| Net operating income to assets | 0.7820% | 3,442 |
| Return on assets (ROA) | 0.8246% | 3,387 |
| Pretax return on assets | 0.8246% | 4,231 |
| Return on Equity (ROE) | 8.2548% | 2,879 |
| Retained earnings to average equity (ytd only) | 3.9851% | 3,472 |
| Net charge-offs to loans | 0.0091% | 3,608 |
| Credit loss provision to net charge-offs | 2,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 162.5985% | 435 |
| Efficiency ratio | 77.1368% | 1,817 |
| Assets per employee ($millions) | 4.5507% | 2,999 |
| Cash dividends to net income (ytd only)* | 51.7244% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 4,594 |
| Loan loss allowance to noncurrent loans | 557.0093% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 4,975 |
| Noncurrent loans to loans | 0.1732% | 4,660 |
| Net loans and leases to total assets | 64.0057% | 3,403 |
| Net loans and leases to deposits | 71.2470% | 3,861 |
| Net loans and leases to core deposits | 91.2042% | 2,462 |
| Total domestic deposits to total assets | 89.8362% | 543 |
| Equity capital to assets | 9.9388% | 4,194 |
| Core capital (leverage) ratio | 9.6626% | 3,981 |
| Tier 1 risk-based capital ratio | 13.1316% | 4,081 |
| Total risk-based capital ratio | 13.9760% | 4,238 |
| Memoranda: | ||
| Average total assets | $93,779,500 | 4,511 |
| Average earning assets | $88,203,500 | 4,466 |
| Average equity | $9,368,000 | 4,727 |
| Average total loans | $58,253,250 | 4,378 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 3,478 |
| Cost of funding earning assets | 0.3100% | 4,018 |
| Net interest margin | 3.6263% | 2,988 |
| Noninterest income to average assets | 0.3069% | 4,593 |
| Noninterest expense to average assets | 3.0692% | 2,142 |
| Loan and lease loss provision to assets | 0.1073% | 2,069 |
| Net operating income to assets | 0.5452% | 4,500 |
| Return on assets (ROA) | 0.6095% | 4,355 |
| Pretax return on assets | 0.6095% | 4,859 |
| Return on Equity (ROE) | 6.0914% | 4,006 |
| Retained earnings to average equity (ytd only) | 1.8017% | 4,650 |
| Net charge-offs to loans | 0.0175% | 3,156 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 60.8000% | 866 |
| Efficiency ratio | 82.4683% | 1,214 |
| Assets per employee ($millions) | 4.4862% | 3,055 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 5,005 |
| Loan loss allowance to noncurrent loans | 482.3009% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 5,032 |
| Noncurrent loans to loans | 0.1831% | 4,700 |
| Net loans and leases to total assets | 64.9170% | 3,238 |
| Net loans and leases to deposits | 73.2513% | 3,678 |
| Net loans and leases to core deposits | 91.1270% | 2,426 |
| Total domestic deposits to total assets | 88.6223% | 1,104 |
| Equity capital to assets | 9.9553% | 4,283 |
| Core capital (leverage) ratio | 9.9210% | 3,660 |
| Tier 1 risk-based capital ratio | 11.9722% | 4,841 |
| Total risk-based capital ratio | 12.6916% | 5,085 |
| Memoranda: | ||
| Average total assets | $93,184,330 | 4,554 |
| Average earning assets | $87,747,000 | 4,510 |
| Average equity | $9,324,670 | 4,771 |
| Average total loans | $57,083,330 | 4,433 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 3,297 |
| Cost of funding earning assets | 0.3078% | 4,083 |
| Net interest margin | 3.6706% | 2,799 |
| Noninterest income to average assets | 0.2676% | 4,817 |
| Noninterest expense to average assets | 2.9696% | 2,483 |
| Loan and lease loss provision to assets | 0.1511% | 1,406 |
| Net operating income to assets | 0.5957% | 4,194 |
| Return on assets (ROA) | 0.7036% | 3,810 |
| Pretax return on assets | 0.7036% | 4,515 |
| Return on Equity (ROE) | 7.0126% | 3,448 |
| Retained earnings to average equity (ytd only) | 2.7104% | 4,158 |
| Net charge-offs to loans | 0.0657% | 1,840 |
| Credit loss provision to net charge-offs | 388.8889% | 723 |
| Earnings coverage of net charge-offs (x) | 19.2222% | 1,516 |
| Efficiency ratio | 79.9071% | 1,616 |
| Assets per employee ($millions) | 4.7902% | 2,609 |
| Cash dividends to net income (ytd only)* | 61.3497% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 4,906 |
| Loan loss allowance to noncurrent loans | 427.6423% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 5,034 |
| Noncurrent loans to loans | 0.2196% | 4,643 |
| Net loans and leases to total assets | 60.9533% | 3,655 |
| Net loans and leases to deposits | 68.1138% | 4,047 |
| Net loans and leases to core deposits | 85.3319% | 2,811 |
| Total domestic deposits to total assets | 89.4873% | 842 |
| Equity capital to assets | 10.2666% | 3,780 |
| Core capital (leverage) ratio | 9.7841% | 3,800 |
| Tier 1 risk-based capital ratio | 13.5089% | 3,975 |
| Total risk-based capital ratio | 14.2940% | 4,153 |
| Memoranda: | ||
| Average total assets | $92,671,000 | 4,604 |
| Average earning assets | $87,069,500 | 4,562 |
| Average equity | $9,297,500 | 4,802 |
| Average total loans | $54,773,000 | 4,532 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 3,919 |
| Cost of funding earning assets | 0.2992% | 4,257 |
| Net interest margin | 3.5399% | 3,375 |
| Noninterest income to average assets | 0.5748% | 2,861 |
| Noninterest expense to average assets | 3.1349% | 2,131 |
| Loan and lease loss provision to assets | 0.0733% | 2,803 |
| Net operating income to assets | 0.6967% | 3,827 |
| Return on assets (ROA) | 0.7463% | 3,688 |
| Pretax return on assets | 0.7463% | 4,377 |
| Return on Equity (ROE) | 7.3231% | 3,347 |
| Retained earnings to average equity (ytd only) | 4.1483% | 3,045 |
| Net charge-offs to loans | 0.2139% | 1,376 |
| Credit loss provision to net charge-offs | 63.5514% | 3,217 |
| Earnings coverage of net charge-offs (x) | 6.6729% | 3,186 |
| Efficiency ratio | 80.2817% | 1,633 |
| Assets per employee ($millions) | 4.7164% | 2,712 |
| Cash dividends to net income (ytd only)* | 43.3526% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 4,949 |
| Loan loss allowance to noncurrent loans | 268.8172% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 4,806 |
| Noncurrent loans to loans | 0.3474% | 4,224 |
| Net loans and leases to total assets | 56.2336% | 4,277 |
| Net loans and leases to deposits | 62.7205% | 4,577 |
| Net loans and leases to core deposits | 77.8399% | 3,564 |
| Total domestic deposits to total assets | 89.6574% | 774 |
| Equity capital to assets | 10.1168% | 3,845 |
| Core capital (leverage) ratio | 9.7249% | 3,876 |
| Tier 1 risk-based capital ratio | 13.0820% | 4,255 |
| Total risk-based capital ratio | 13.7872% | 4,504 |
| Memoranda: | ||
| Average total assets | $92,729,200 | 4,612 |
| Average earning assets | $87,233,400 | 4,553 |
| Average equity | $9,449,600 | 4,758 |
| Average total loans | $50,026,400 | 4,669 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,320 |
| Cost of funding earning assets | 0.2992% | 4,348 |
| Net interest margin | 3.4342% | 3,822 |
| Noninterest income to average assets | 0.3783% | 4,224 |
| Noninterest expense to average assets | 3.0022% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6080% | 4,345 |
| Return on assets (ROA) | 0.6744% | 4,125 |
| Pretax return on assets | 0.6744% | 4,766 |
| Return on Equity (ROE) | 6.6055% | 3,830 |
| Retained earnings to average equity (ytd only) | 2.3621% | 4,702 |
| Net charge-offs to loans | 0.0108% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 105.3133% | 595 |
| Efficiency ratio | 83.1600% | 1,245 |
| Assets per employee ($millions) | 5.7943% | 1,514 |
| Cash dividends to net income (ytd only)* | 64.2399% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 4,528 |
| Loan loss allowance to noncurrent loans | 878.6885% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 5,505 |
| Noncurrent loans to loans | 0.1183% | 5,154 |
| Net loans and leases to total assets | 55.0497% | 4,460 |
| Net loans and leases to deposits | 61.4285% | 4,764 |
| Net loans and leases to core deposits | 76.5456% | 3,734 |
| Total domestic deposits to total assets | 89.6159% | 723 |
| Equity capital to assets | 10.1522% | 3,993 |
| Core capital (leverage) ratio | 9.7317% | 3,997 |
| Tier 1 risk-based capital ratio | 12.5811% | 4,696 |
| Total risk-based capital ratio | 13.3262% | 4,948 |
| Memoranda: | ||
| Average total assets | $92,329,500 | 4,671 |
| Average earning assets | $86,888,000 | 4,609 |
| Average equity | $9,426,250 | 4,821 |
| Average total loans | $49,147,000 | 4,750 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 4,495 |
| Cost of funding earning assets | 0.3020% | 4,379 |
| Net interest margin | 3.3709% | 4,011 |
| Noninterest income to average assets | 0.4035% | 4,061 |
| Noninterest expense to average assets | 3.0064% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5683% | 4,481 |
| Return on assets (ROA) | 0.5683% | 4,584 |
| Pretax return on assets | 0.5683% | 5,054 |
| Return on Equity (ROE) | 5.5561% | 4,349 |
| Retained earnings to average equity (ytd only) | 1.3148% | 5,022 |
| Net charge-offs to loans | 0.0662% | 2,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.3750% | 1,915 |
| Efficiency ratio | 84.1019% | 1,255 |
| Assets per employee ($millions) | 5.7169% | 1,555 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 4,684 |
| Loan loss allowance to noncurrent loans | 432.2314% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 5,325 |
| Noncurrent loans to loans | 0.2396% | 4,802 |
| Net loans and leases to total assets | 54.6398% | 4,488 |
| Net loans and leases to deposits | 61.0311% | 4,775 |
| Net loans and leases to core deposits | 74.7517% | 3,883 |
| Total domestic deposits to total assets | 89.5277% | 886 |
| Equity capital to assets | 10.2471% | 3,754 |
| Core capital (leverage) ratio | 9.5517% | 4,208 |
| Tier 1 risk-based capital ratio | 26.6171% | 735 |
| Total risk-based capital ratio | 27.8691% | 719 |
| Memoranda: | ||
| Average total assets | $92,203,000 | 4,721 |
| Average earning assets | $86,741,670 | 4,662 |
| Average equity | $9,431,000 | 4,853 |
| Average total loans | $48,338,670 | 4,810 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5396% | 4,857 |
| Cost of funding earning assets | 0.3168% | 4,258 |
| Net interest margin | 3.2228% | 4,513 |
| Noninterest income to average assets | 0.4580% | 3,587 |
| Noninterest expense to average assets | 2.8087% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6827% | 3,882 |
| Return on assets (ROA) | 0.6827% | 4,013 |
| Pretax return on assets | 0.6827% | 4,645 |
| Return on Equity (ROE) | 6.6808% | 3,664 |
| Retained earnings to average equity (ytd only) | 2.4524% | 4,465 |
| Net charge-offs to loans | 0.0254% | 2,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 52.6667% | 807 |
| Efficiency ratio | 80.4455% | 1,840 |
| Assets per employee ($millions) | 5.9186% | 1,453 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 4,361 |
| Loan loss allowance to noncurrent loans | 380.1418% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 5,357 |
| Noncurrent loans to loans | 0.2980% | 4,723 |
| Net loans and leases to total assets | 49.3928% | 4,906 |
| Net loans and leases to deposits | 55.0840% | 5,118 |
| Net loans and leases to core deposits | 66.8850% | 4,434 |
| Total domestic deposits to total assets | 89.6682% | 920 |
| Equity capital to assets | 10.0129% | 4,132 |
| Core capital (leverage) ratio | 9.3485% | 4,496 |
| Tier 1 risk-based capital ratio | 12.1466% | 5,157 |
| Total risk-based capital ratio | 12.8762% | 5,392 |
| Memoranda: | ||
| Average total assets | $92,569,500 | 4,757 |
| Average earning assets | $87,129,000 | 4,689 |
| Average equity | $9,460,000 | 4,883 |
| Average total loans | $47,257,000 | 4,877 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 4,606 |
| Cost of funding earning assets | 0.3295% | 4,498 |
| Net interest margin | 3.4341% | 4,049 |
| Noninterest income to average assets | 0.3067% | 4,920 |
| Noninterest expense to average assets | 2.9269% | 3,059 |
| Loan and lease loss provision to assets | 0.0687% | 3,112 |
| Net operating income to assets | 0.5309% | 4,680 |
| Return on assets (ROA) | 0.5675% | 4,609 |
| Pretax return on assets | 0.5675% | 5,044 |
| Return on Equity (ROE) | 5.2405% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.0565% | 5,297 |
| Net charge-offs to loans | 0.1293% | 2,724 |
| Credit loss provision to net charge-offs | 105.2632% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.1930% | 2,781 |
| Efficiency ratio | 82.9981% | 1,524 |
| Assets per employee ($millions) | 5.6526% | 1,648 |
| Cash dividends to net income (ytd only)* | 79.8387% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 4,328 |
| Loan loss allowance to noncurrent loans | 309.7701% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 5,260 |
| Noncurrent loans to loans | 0.3686% | 4,551 |
| Net loans and leases to total assets | 51.5972% | 4,825 |
| Net loans and leases to deposits | 58.5339% | 5,024 |
| Net loans and leases to core deposits | 72.4848% | 4,074 |
| Total domestic deposits to total assets | 88.1492% | 1,686 |
| Equity capital to assets | 10.4355% | 3,567 |
| Core capital (leverage) ratio | 9.7571% | 3,889 |
| Tier 1 risk-based capital ratio | 13.3966% | 4,465 |
| Total risk-based capital ratio | 14.2079% | 4,666 |
| Memoranda: | ||
| Average total assets | $87,394,800 | 4,900 |
| Average earning assets | $81,942,400 | 4,858 |
| Average equity | $9,464,800 | 4,870 |
| Average total loans | $44,083,200 | 5,032 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 4,503 |
| Cost of funding earning assets | 0.3330% | 4,533 |
| Net interest margin | 3.4772% | 3,911 |
| Noninterest income to average assets | 0.2986% | 5,068 |
| Noninterest expense to average assets | 2.9026% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6587% | 4,170 |
| Return on assets (ROA) | 0.7141% | 3,967 |
| Pretax return on assets | 0.7141% | 4,659 |
| Return on Equity (ROE) | 6.5317% | 3,947 |
| Retained earnings to average equity (ytd only) | 2.3086% | 4,900 |
| Net charge-offs to loans | 0.0277% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 47.5542% | 1,009 |
| Efficiency ratio | 81.5039% | 1,677 |
| Assets per employee ($millions) | 5.9912% | 1,343 |
| Cash dividends to net income (ytd only)* | 64.6553% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 4,376 |
| Loan loss allowance to noncurrent loans | 207.4803% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 5,138 |
| Noncurrent loans to loans | 0.5646% | 4,228 |
| Net loans and leases to total assets | 49.4714% | 5,058 |
| Net loans and leases to deposits | 56.1507% | 5,229 |
| Net loans and leases to core deposits | 69.2508% | 4,392 |
| Total domestic deposits to total assets | 88.1048% | 1,708 |
| Equity capital to assets | 10.5844% | 3,450 |
| Core capital (leverage) ratio | 9.8409% | 3,884 |
| Tier 1 risk-based capital ratio | 13.4847% | 4,550 |
| Total risk-based capital ratio | 14.2786% | 4,772 |
| Memoranda: | ||
| Average total assets | $86,633,250 | 4,966 |
| Average earning assets | $81,290,000 | 4,919 |
| Average equity | $9,471,500 | 4,905 |
| Average total loans | $43,303,000 | 5,116 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 4,250 |
| Cost of funding earning assets | 0.3374% | 4,568 |
| Net interest margin | 3.5364% | 3,622 |
| Noninterest income to average assets | 0.2969% | 5,035 |
| Noninterest expense to average assets | 2.8263% | 3,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7784% | 3,435 |
| Return on assets (ROA) | 0.8603% | 3,112 |
| Pretax return on assets | 0.8603% | 4,041 |
| Return on Equity (ROE) | 7.7818% | 3,215 |
| Retained earnings to average equity (ytd only) | 3.5525% | 3,938 |
| Net charge-offs to loans | 0.0515% | 3,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 30.2727% | 1,253 |
| Efficiency ratio | 78.4047% | 2,241 |
| Assets per employee ($millions) | 5.9158% | 1,339 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 4,471 |
| Loan loss allowance to noncurrent loans | 250.4762% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 5,393 |
| Noncurrent loans to loans | 0.4747% | 4,576 |
| Net loans and leases to total assets | 49.2647% | 5,047 |
| Net loans and leases to deposits | 56.0390% | 5,189 |
| Net loans and leases to core deposits | 69.6348% | 4,301 |
| Total domestic deposits to total assets | 87.9115% | 1,952 |
| Equity capital to assets | 10.7621% | 3,131 |
| Core capital (leverage) ratio | 10.2225% | 3,309 |
| Tier 1 risk-based capital ratio | 13.7645% | 4,408 |
| Total risk-based capital ratio | 14.5719% | 4,643 |
| Memoranda: | ||
| Average total assets | $85,555,000 | 5,031 |
| Average earning assets | $80,026,000 | 4,980 |
| Average equity | $9,458,000 | 4,918 |
| Average total loans | $42,742,000 | 5,173 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9082% | 4,050 |
| Cost of funding earning assets | 0.3363% | 4,684 |
| Net interest margin | 3.5719% | 3,380 |
| Noninterest income to average assets | 0.2954% | 5,003 |
| Noninterest expense to average assets | 2.7536% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8813% | 2,735 |
| Return on assets (ROA) | 0.8813% | 2,805 |
| Pretax return on assets | 0.8813% | 3,771 |
| Return on Equity (ROE) | 7.8623% | 3,002 |
| Retained earnings to average equity (ytd only) | 3.6124% | 3,962 |
| Net charge-offs to loans | 0.0667% | 2,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 26.4286% | 1,129 |
| Efficiency ratio | 75.7536% | 2,841 |
| Assets per employee ($millions) | 5.7903% | 1,465 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 4,363 |
| Loan loss allowance to noncurrent loans | 238.2883% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 5,417 |
| Noncurrent loans to loans | 0.5257% | 4,598 |
| Net loans and leases to total assets | 48.0105% | 5,130 |
| Net loans and leases to deposits | 54.7317% | 5,215 |
| Net loans and leases to core deposits | 68.3086% | 4,276 |
| Total domestic deposits to total assets | 87.7196% | 2,398 |
| Equity capital to assets | 10.9252% | 2,787 |
| Core capital (leverage) ratio | 10.4787% | 2,959 |
| Tier 1 risk-based capital ratio | 15.6807% | 3,345 |
| Total risk-based capital ratio | 16.6143% | 3,467 |
| Memoranda: | ||
| Average total assets | $83,964,000 | 5,114 |
| Average earning assets | $78,501,000 | 5,061 |
| Average equity | $9,412,000 | 4,957 |
| Average total loans | $41,992,000 | 5,241 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 4,273 |
| Cost of funding earning assets | 0.3744% | 4,899 |
| Net interest margin | 3.5772% | 3,562 |
| Noninterest income to average assets | 0.4108% | 4,368 |
| Noninterest expense to average assets | 3.0880% | 2,771 |
| Loan and lease loss provision to assets | 0.0318% | 4,483 |
| Net operating income to assets | 0.6198% | 4,167 |
| Return on assets (ROA) | 0.6332% | 4,212 |
| Pretax return on assets | 0.6332% | 4,757 |
| Return on Equity (ROE) | 5.4544% | 4,421 |
| Retained earnings to average equity (ytd only) | 1.0530% | 5,363 |
| Net charge-offs to loans | 0.0048% | 5,383 |
| Credit loss provision to net charge-offs | 1,300.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 266.5000% | 168 |
| Efficiency ratio | 82.5760% | 1,801 |
| Assets per employee ($millions) | 5.4049% | 1,752 |
| Cash dividends to net income (ytd only)* | 80.6950% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 4,218 |
| Loan loss allowance to noncurrent loans | 552.5773% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 5,969 |
| Noncurrent loans to loans | 0.2323% | 5,488 |
| Net loans and leases to total assets | 50.8424% | 4,982 |
| Net loans and leases to deposits | 58.5154% | 5,076 |
| Net loans and leases to core deposits | 74.5119% | 3,783 |
| Total domestic deposits to total assets | 86.8873% | 2,788 |
| Equity capital to assets | 11.5142% | 2,154 |
| Core capital (leverage) ratio | 10.8492% | 2,527 |
| Tier 1 risk-based capital ratio | 15.3366% | 3,457 |
| Total risk-based capital ratio | 16.2708% | 3,596 |
| Memoranda: | ||
| Average total assets | $81,800,400 | 5,197 |
| Average earning assets | $76,120,600 | 5,150 |
| Average equity | $9,497,000 | 4,978 |
| Average total loans | $41,845,800 | 5,269 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,978 |
| Cost of funding earning assets | 0.3800% | 4,997 |
| Net interest margin | 3.6599% | 3,195 |
| Noninterest income to average assets | 0.2976% | 5,316 |
| Noninterest expense to average assets | 3.0868% | 2,703 |
| Loan and lease loss provision to assets | 0.0423% | 4,166 |
| Net operating income to assets | 0.5676% | 4,490 |
| Return on assets (ROA) | 0.5855% | 4,539 |
| Pretax return on assets | 0.5855% | 5,075 |
| Return on Equity (ROE) | 5.0327% | 4,705 |
| Retained earnings to average equity (ytd only) | 0.8388% | 5,649 |
| Net charge-offs to loans | 0.0032% | 5,144 |
| Credit loss provision to net charge-offs | 2,600.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 375.9323% | 158 |
| Efficiency ratio | 83.5020% | 1,657 |
| Assets per employee ($millions) | 5.3541% | 1,791 |
| Cash dividends to net income (ytd only)* | 83.3330% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,215 |
| Loan loss allowance to noncurrent loans | 541.4141% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 6,057 |
| Noncurrent loans to loans | 0.2467% | 5,615 |
| Net loans and leases to total assets | 49.3046% | 5,215 |
| Net loans and leases to deposits | 56.7170% | 5,309 |
| Net loans and leases to core deposits | 72.4079% | 4,044 |
| Total domestic deposits to total assets | 86.9308% | 2,731 |
| Equity capital to assets | 11.6036% | 2,217 |
| Core capital (leverage) ratio | 10.7553% | 2,719 |
| Tier 1 risk-based capital ratio | 15.2624% | 3,587 |
| Total risk-based capital ratio | 16.1963% | 3,736 |
| Memoranda: | ||
| Average total assets | $81,982,000 | 5,243 |
| Average earning assets | $76,139,000 | 5,191 |
| Average equity | $9,537,500 | 5,023 |
| Average total loans | $41,868,250 | 5,317 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,675 |
| Cost of funding earning assets | 0.3814% | 5,118 |
| Net interest margin | 3.7334% | 2,828 |
| Noninterest income to average assets | 0.2980% | 5,320 |
| Noninterest expense to average assets | 2.9707% | 3,092 |
| Loan and lease loss provision to assets | 0.0630% | 3,752 |
| Net operating income to assets | 0.7269% | 3,686 |
| Return on assets (ROA) | 0.7269% | 3,853 |
| Pretax return on assets | 0.7269% | 4,590 |
| Return on Equity (ROE) | 6.2433% | 4,026 |
| Retained earnings to average equity (ytd only) | 2.0811% | 4,951 |
| Net charge-offs to loans | 0.0330% | 4,224 |
| Credit loss provision to net charge-offs | 371.4286% | 698 |
| Earnings coverage of net charge-offs (x) | 46.5714% | 837 |
| Efficiency ratio | 78.9948% | 2,300 |
| Assets per employee ($millions) | 5.4069% | 1,686 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,521 |
| Loan loss allowance to noncurrent loans | 285.4839% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 5,795 |
| Noncurrent loans to loans | 0.4546% | 5,127 |
| Net loans and leases to total assets | 49.7959% | 5,127 |
| Net loans and leases to deposits | 57.2478% | 5,220 |
| Net loans and leases to core deposits | 72.8673% | 3,952 |
| Total domestic deposits to total assets | 86.9832% | 2,830 |
| Equity capital to assets | 11.5914% | 2,225 |
| Core capital (leverage) ratio | 10.5346% | 2,841 |
| Tier 1 risk-based capital ratio | 16.0111% | 3,184 |
| Total risk-based capital ratio | 16.9772% | 3,295 |
| Memoranda: | ||
| Average total assets | $82,539,000 | 5,258 |
| Average earning assets | $76,553,000 | 5,214 |
| Average equity | $9,610,330 | 5,032 |
| Average total loans | $42,446,670 | 5,319 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 3,466 |
| Cost of funding earning assets | 0.3849% | 5,242 |
| Net interest margin | 3.7759% | 2,537 |
| Noninterest income to average assets | 0.3411% | 4,962 |
| Noninterest expense to average assets | 2.8730% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9561% | 2,417 |
| Return on assets (ROA) | 0.9561% | 2,555 |
| Pretax return on assets | 0.9561% | 3,542 |
| Return on Equity (ROE) | 8.1935% | 2,881 |
| Retained earnings to average equity (ytd only) | 4.0762% | 3,773 |
| Net charge-offs to loans | 0.0278% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 66.3333% | 543 |
| Efficiency ratio | 75.0314% | 3,094 |
| Assets per employee ($millions) | 5.5755% | 1,599 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 5,303 |
| Loan loss allowance to noncurrent loans | 138.6921% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 5,283 |
| Noncurrent loans to loans | 0.8462% | 4,426 |
| Net loans and leases to total assets | 51.2477% | 4,805 |
| Net loans and leases to deposits | 58.9254% | 4,918 |
| Net loans and leases to core deposits | 74.3297% | 3,535 |
| Total domestic deposits to total assets | 86.9705% | 2,977 |
| Equity capital to assets | 11.6461% | 2,295 |
| Core capital (leverage) ratio | 10.5690% | 2,688 |
| Tier 1 risk-based capital ratio | 15.7485% | 3,405 |
| Total risk-based capital ratio | 16.6595% | 3,545 |
| Memoranda: | ||
| Average total assets | $83,257,000 | 5,292 |
| Average earning assets | $76,908,000 | 5,238 |
| Average equity | $9,715,000 | 5,061 |
| Average total loans | $43,211,500 | 5,330 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 4,944 |
| Cost of funding earning assets | 0.4556% | 5,540 |
| Net interest margin | 3.6457% | 3,897 |
| Noninterest income to average assets | 0.2689% | 5,531 |
| Noninterest expense to average assets | 2.8012% | 4,017 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8225% | 3,171 |
| Return on assets (ROA) | 0.8690% | 3,204 |
| Pretax return on assets | 0.8690% | 4,030 |
| Return on Equity (ROE) | 7.2643% | 3,489 |
| Retained earnings to average equity (ytd only) | 1.0217% | 5,366 |
| Net charge-offs to loans | -0.0306% | 6,616 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3019% | 2,547 |
| Assets per employee ($millions) | 6.3755% | 1,057 |
| Cash dividends to net income (ytd only)* | 85.9353% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 5,163 |
| Loan loss allowance to noncurrent loans | 153.2934% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 5,475 |
| Noncurrent loans to loans | 0.7758% | 4,631 |
| Net loans and leases to total assets | 51.3290% | 4,992 |
| Net loans and leases to deposits | 59.1502% | 5,115 |
| Net loans and leases to core deposits | 74.4900% | 3,722 |
| Total domestic deposits to total assets | 86.7774% | 2,950 |
| Equity capital to assets | 11.6915% | 2,278 |
| Core capital (leverage) ratio | 10.5921% | 2,665 |
| Tier 1 risk-based capital ratio | 15.8791% | 3,228 |
| Total risk-based capital ratio | 16.8136% | 3,350 |
| Memoranda: | ||
| Average total assets | $81,822,000 | 5,304 |
| Average earning assets | $75,293,400 | 5,266 |
| Average equity | $9,787,600 | 5,028 |
| Average total loans | $39,215,600 | 5,542 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 5,159 |
| Cost of funding earning assets | 0.4706% | 5,635 |
| Net interest margin | 3.6368% | 4,071 |
| Noninterest income to average assets | 0.2730% | 5,601 |
| Noninterest expense to average assets | 2.8217% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7994% | 3,457 |
| Return on assets (ROA) | 0.8615% | 3,412 |
| Pretax return on assets | 0.8615% | 4,256 |
| Return on Equity (ROE) | 7.1611% | 3,718 |
| Retained earnings to average equity (ytd only) | 3.0846% | 4,701 |
| Net charge-offs to loans | -0.0488% | 6,703 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9233% | 2,412 |
| Assets per employee ($millions) | 6.2745% | 1,083 |
| Cash dividends to net income (ytd only)* | 56.9259% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,794 |
| Loan loss allowance to noncurrent loans | 142.7778% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 5,561 |
| Noncurrent loans to loans | 0.9139% | 4,606 |
| Net loans and leases to total assets | 47.6645% | 5,592 |
| Net loans and leases to deposits | 55.1820% | 5,701 |
| Net loans and leases to core deposits | 69.9363% | 4,505 |
| Total domestic deposits to total assets | 86.3770% | 3,050 |
| Equity capital to assets | 12.2278% | 2,091 |
| Core capital (leverage) ratio | 11.3468% | 2,095 |
| Tier 1 risk-based capital ratio | 16.7881% | 2,850 |
| Total risk-based capital ratio | 17.7656% | 2,957 |
| Memoranda: | ||
| Average total assets | $81,557,250 | 5,362 |
| Average earning assets | $75,082,750 | 5,324 |
| Average equity | $9,812,000 | 5,070 |
| Average total loans | $38,256,000 | 5,644 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 4,911 |
| Cost of funding earning assets | 0.5005% | 5,616 |
| Net interest margin | 3.7098% | 3,772 |
| Noninterest income to average assets | 0.2771% | 5,591 |
| Noninterest expense to average assets | 2.8644% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8117% | 3,350 |
| Return on assets (ROA) | 0.9049% | 3,161 |
| Pretax return on assets | 0.9049% | 4,061 |
| Return on Equity (ROE) | 7.5630% | 3,471 |
| Retained earnings to average equity (ytd only) | 3.4638% | 4,293 |
| Net charge-offs to loans | -0.0739% | 6,783 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9186% | 2,466 |
| Assets per employee ($millions) | 5.6384% | 1,489 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 4,452 |
| Loan loss allowance to noncurrent loans | 151.1765% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 5,698 |
| Noncurrent loans to loans | 0.9285% | 4,651 |
| Net loans and leases to total assets | 45.7397% | 5,845 |
| Net loans and leases to deposits | 53.1486% | 5,944 |
| Net loans and leases to core deposits | 68.0257% | 4,782 |
| Total domestic deposits to total assets | 86.0599% | 3,327 |
| Equity capital to assets | 12.4971% | 1,817 |
| Core capital (leverage) ratio | 10.6798% | 2,628 |
| Tier 1 risk-based capital ratio | 17.5520% | 2,458 |
| Total risk-based capital ratio | 18.5809% | 2,502 |
| Memoranda: | ||
| Average total assets | $81,553,670 | 5,394 |
| Average earning assets | $74,721,000 | 5,372 |
| Average equity | $9,758,000 | 5,086 |
| Average total loans | $37,877,000 | 5,692 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 5,678 |
| Cost of funding earning assets | 0.5199% | 5,680 |
| Net interest margin | 3.5079% | 4,656 |
| Noninterest income to average assets | 0.2896% | 5,554 |
| Noninterest expense to average assets | 2.7033% | 4,414 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8110% | 3,329 |
| Return on assets (ROA) | 0.8110% | 3,564 |
| Pretax return on assets | 0.8110% | 4,371 |
| Return on Equity (ROE) | 6.9246% | 3,828 |
| Retained earnings to average equity (ytd only) | 2.8028% | 4,855 |
| Net charge-offs to loans | -0.0208% | 6,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9231% | 2,659 |
| Assets per employee ($millions) | 6.0401% | 1,260 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 4,953 |
| Loan loss allowance to noncurrent loans | 173.1034% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 5,791 |
| Noncurrent loans to loans | 0.7600% | 5,141 |
| Net loans and leases to total assets | 44.5295% | 5,956 |
| Net loans and leases to deposits | 51.1089% | 6,060 |
| Net loans and leases to core deposits | 63.9597% | 5,118 |
| Total domestic deposits to total assets | 87.1266% | 2,884 |
| Equity capital to assets | 11.5229% | 2,422 |
| Core capital (leverage) ratio | 10.4542% | 2,801 |
| Tier 1 risk-based capital ratio | 16.9039% | 2,715 |
| Total risk-based capital ratio | 17.8829% | 2,806 |
| Memoranda: | ||
| Average total assets | $82,861,500 | 5,389 |
| Average earning assets | $76,172,000 | 5,359 |
| Average equity | $9,704,500 | 5,118 |
| Average total loans | $38,505,500 | 5,707 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 5,404 |
| Cost of funding earning assets | 0.6935% | 5,583 |
| Net interest margin | 3.7114% | 4,248 |
| Noninterest income to average assets | 0.2935% | 5,431 |
| Noninterest expense to average assets | 2.8946% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7872% | 3,098 |
| Return on assets (ROA) | 0.7858% | 3,267 |
| Pretax return on assets | 0.7858% | 4,029 |
| Return on Equity (ROE) | 6.2546% | 3,750 |
| Retained earnings to average equity (ytd only) | 1.0477% | 5,367 |
| Net charge-offs to loans | 0.0362% | 5,953 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 599 |
| Efficiency ratio | 78.6199% | 2,510 |
| Assets per employee ($millions) | 5.4107% | 1,732 |
| Cash dividends to net income (ytd only)* | 83.2496% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 4,981 |
| Loan loss allowance to noncurrent loans | 537.6344% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 6,450 |
| Noncurrent loans to loans | 0.2394% | 6,254 |
| Net loans and leases to total assets | 47.2567% | 5,901 |
| Net loans and leases to deposits | 55.7187% | 5,915 |
| Net loans and leases to core deposits | 71.3085% | 4,615 |
| Total domestic deposits to total assets | 84.8129% | 3,948 |
| Equity capital to assets | 11.9084% | 2,193 |
| Core capital (leverage) ratio | 10.7267% | 2,499 |
| Tier 1 risk-based capital ratio | 17.0645% | 2,572 |
| Total risk-based capital ratio | 18.0566% | 2,652 |
| Memoranda: | ||
| Average total assets | $75,969,000 | 5,568 |
| Average earning assets | $69,354,200 | 5,563 |
| Average equity | $9,545,000 | 5,139 |
| Average total loans | $35,863,800 | 5,874 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 5,358 |
| Cost of funding earning assets | 0.7345% | 5,565 |
| Net interest margin | 3.7330% | 4,192 |
| Noninterest income to average assets | 0.2946% | 5,506 |
| Noninterest expense to average assets | 2.9265% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7714% | 3,296 |
| Return on assets (ROA) | 0.7696% | 3,464 |
| Pretax return on assets | 0.7696% | 4,245 |
| Return on Equity (ROE) | 6.0394% | 4,005 |
| Retained earnings to average equity (ytd only) | 2.5363% | 4,848 |
| Net charge-offs to loans | 0.0228% | 5,829 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 71.9988% | 467 |
| Efficiency ratio | 79.1405% | 2,386 |
| Assets per employee ($millions) | 5.3873% | 1,715 |
| Cash dividends to net income (ytd only)* | 58.0057% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 4,271 |
| Loan loss allowance to noncurrent loans | 59.3677% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.1459% | 4,493 |
| Noncurrent loans to loans | 2.4665% | 2,810 |
| Net loans and leases to total assets | 42.2193% | 6,489 |
| Net loans and leases to deposits | 48.8873% | 6,570 |
| Net loans and leases to core deposits | 62.3346% | 5,793 |
| Total domestic deposits to total assets | 86.3604% | 3,007 |
| Equity capital to assets | 12.2474% | 2,058 |
| Core capital (leverage) ratio | 10.9679% | 2,420 |
| Tier 1 risk-based capital ratio | 18.0745% | 2,225 |
| Total risk-based capital ratio | 19.1301% | 2,263 |
| Memoranda: | ||
| Average total assets | $74,671,000 | 5,657 |
| Average earning assets | $68,075,500 | 5,651 |
| Average equity | $9,515,000 | 5,174 |
| Average total loans | $35,116,250 | 5,967 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 4,820 |
| Cost of funding earning assets | 0.7837% | 5,485 |
| Net interest margin | 3.8515% | 3,526 |
| Noninterest income to average assets | 0.3194% | 5,345 |
| Noninterest expense to average assets | 3.0403% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7711% | 3,196 |
| Return on assets (ROA) | 0.7683% | 3,345 |
| Pretax return on assets | 0.7683% | 4,153 |
| Return on Equity (ROE) | 5.9440% | 4,004 |
| Retained earnings to average equity (ytd only) | 1.6831% | 5,153 |
| Net charge-offs to loans | 0.0397% | 5,296 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 743 |
| Efficiency ratio | 79.7688% | 2,425 |
| Assets per employee ($millions) | 5.0981% | 1,997 |
| Cash dividends to net income (ytd only)* | 71.6846% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 4,076 |
| Loan loss allowance to noncurrent loans | 276.5027% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 6,531 |
| Noncurrent loans to loans | 0.5469% | 5,822 |
| Net loans and leases to total assets | 43.0955% | 6,514 |
| Net loans and leases to deposits | 50.1255% | 6,583 |
| Net loans and leases to core deposits | 64.9968% | 5,610 |
| Total domestic deposits to total assets | 85.9753% | 3,339 |
| Equity capital to assets | 12.5523% | 1,753 |
| Core capital (leverage) ratio | 11.2383% | 2,082 |
| Tier 1 risk-based capital ratio | 18.7008% | 1,934 |
| Total risk-based capital ratio | 19.8038% | 1,948 |
| Memoranda: | ||
| Average total assets | $72,625,000 | 5,762 |
| Average earning assets | $65,845,330 | 5,760 |
| Average equity | $9,387,670 | 5,215 |
| Average total loans | $35,280,330 | 6,010 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 4,633 |
| Cost of funding earning assets | 0.8238% | 5,439 |
| Net interest margin | 3.8506% | 3,372 |
| Noninterest income to average assets | 0.2885% | 5,609 |
| Noninterest expense to average assets | 3.0777% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7015% | 3,515 |
| Return on assets (ROA) | 0.6959% | 3,596 |
| Pretax return on assets | 0.6959% | 4,317 |
| Return on Equity (ROE) | 5.3006% | 4,241 |
| Retained earnings to average equity (ytd only) | 0.9912% | 5,431 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4371% | 2,313 |
| Assets per employee ($millions) | 4.6391% | 2,675 |
| Cash dividends to net income (ytd only)* | 81.3008% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 4,519 |
| Loan loss allowance to noncurrent loans | 272.8723% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 6,547 |
| Noncurrent loans to loans | 0.5243% | 5,977 |
| Net loans and leases to total assets | 47.6187% | 6,121 |
| Net loans and leases to deposits | 55.3988% | 6,185 |
| Net loans and leases to core deposits | 71.5979% | 4,842 |
| Total domestic deposits to total assets | 85.9562% | 3,548 |
| Equity capital to assets | 12.5200% | 1,621 |
| Core capital (leverage) ratio | 11.9355% | 1,598 |
| Tier 1 risk-based capital ratio | 19.1990% | 1,751 |
| Total risk-based capital ratio | 20.3546% | 1,739 |
| Memoranda: | ||
| Average total assets | $70,701,500 | 5,857 |
| Average earning assets | $64,094,000 | 5,858 |
| Average equity | $9,282,000 | 5,237 |
| Average total loans | $36,189,500 | 6,020 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9824% | 4,641 |
| Cost of funding earning assets | 0.9332% | 6,018 |
| Net interest margin | 4.0493% | 2,806 |
| Noninterest income to average assets | 0.2851% | 5,742 |
| Noninterest expense to average assets | 3.1664% | 3,205 |
| Loan and lease loss provision to assets | 0.0920% | 6,224 |
| Net operating income to assets | 0.7709% | 2,920 |
| Return on assets (ROA) | 0.6483% | 3,598 |
| Pretax return on assets | 0.6483% | 4,172 |
| Return on Equity (ROE) | 4.4752% | 4,310 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 0.1319% | 5,586 |
| Credit loss provision to net charge-offs | 136.3636% | 2,815 |
| Earnings coverage of net charge-offs (x) | 12.7955% | 1,467 |
| Efficiency ratio | 78.5850% | 2,601 |
| Assets per employee ($millions) | 4.7984% | 2,417 |
| Cash dividends to net income (ytd only)* | 100.0000% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 4,485 |
| Loan loss allowance to noncurrent loans | 179.3706% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 6,213 |
| Noncurrent loans to loans | 0.7831% | 5,473 |
| Net loans and leases to total assets | 53.6009% | 5,689 |
| Net loans and leases to deposits | 63.4491% | 5,692 |
| Net loans and leases to core deposits | 84.4703% | 3,531 |
| Total domestic deposits to total assets | 84.4785% | 4,126 |
| Equity capital to assets | 13.8006% | 1,101 |
| Core capital (leverage) ratio | 12.7683% | 1,216 |
| Tier 1 risk-based capital ratio | 19.0186% | 1,717 |
| Total risk-based capital ratio | 20.1665% | 1,706 |
| Memoranda: | ||
| Average total assets | $65,248,600 | 6,024 |
| Average earning assets | $60,331,800 | 5,984 |
| Average equity | $9,452,000 | 5,282 |
| Average total loans | $33,352,000 | 6,242 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 4,700 |
| Cost of funding earning assets | 0.9419% | 6,215 |
| Net interest margin | 4.0824% | 2,695 |
| Noninterest income to average assets | 0.2903% | 5,800 |
| Noninterest expense to average assets | 3.0838% | 3,404 |
| Loan and lease loss provision to assets | 0.0926% | 6,104 |
| Net operating income to assets | 0.9058% | 2,581 |
| Return on assets (ROA) | 0.7411% | 3,401 |
| Pretax return on assets | 0.7411% | 4,112 |
| Return on Equity (ROE) | 5.0540% | 4,259 |
| Retained earnings to average equity (ytd only) | 0.8423% | 5,469 |
| Net charge-offs to loans | 0.0205% | 6,385 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 96.9490% | 318 |
| Efficiency ratio | 75.5421% | 3,029 |
| Assets per employee ($millions) | 4.5921% | 2,761 |
| Cash dividends to net income (ytd only)* | 83.3330% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 3,512 |
| Loan loss allowance to noncurrent loans | 149.5822% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 6,034 |
| Noncurrent loans to loans | 1.0725% | 5,091 |
| Net loans and leases to total assets | 51.2304% | 6,197 |
| Net loans and leases to deposits | 61.6156% | 6,159 |
| Net loans and leases to core deposits | 82.0385% | 4,244 |
| Total domestic deposits to total assets | 83.1451% | 4,530 |
| Equity capital to assets | 15.1221% | 860 |
| Core capital (leverage) ratio | 13.1178% | 1,183 |
| Tier 1 risk-based capital ratio | 20.3451% | 1,478 |
| Total risk-based capital ratio | 21.5953% | 1,453 |
| Memoranda: | ||
| Average total assets | $64,766,250 | 6,112 |
| Average earning assets | $60,158,750 | 6,057 |
| Average equity | $9,497,250 | 5,340 |
| Average total loans | $32,559,750 | 6,364 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 4,701 |
| Cost of funding earning assets | 0.9411% | 6,422 |
| Net interest margin | 4.1097% | 2,512 |
| Noninterest income to average assets | 0.3050% | 5,719 |
| Noninterest expense to average assets | 3.0743% | 3,417 |
| Loan and lease loss provision to assets | 0.0924% | 5,992 |
| Net operating income to assets | 0.9858% | 2,252 |
| Return on assets (ROA) | 0.7393% | 3,388 |
| Pretax return on assets | 0.7393% | 4,111 |
| Return on Equity (ROE) | 5.0943% | 4,243 |
| Retained earnings to average equity (ytd only) | 0.8490% | 5,425 |
| Net charge-offs to loans | 0.0310% | 5,906 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 448 |
| Efficiency ratio | 74.0356% | 3,468 |
| Assets per employee ($millions) | 4.6333% | 2,675 |
| Cash dividends to net income (ytd only)* | 83.3333% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,405 |
| Loan loss allowance to noncurrent loans | 185.1064% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 6,367 |
| Noncurrent loans to loans | 0.8696% | 5,530 |
| Net loans and leases to total assets | 49.1891% | 6,527 |
| Net loans and leases to deposits | 59.4160% | 6,467 |
| Net loans and leases to core deposits | 78.9621% | 4,808 |
| Total domestic deposits to total assets | 82.7876% | 4,652 |
| Equity capital to assets | 14.7627% | 932 |
| Core capital (leverage) ratio | 13.1302% | 1,166 |
| Tier 1 risk-based capital ratio | 21.3319% | 1,295 |
| Total risk-based capital ratio | 22.5833% | 1,263 |
| Memoranda: | ||
| Average total assets | $64,925,000 | 6,142 |
| Average earning assets | $60,782,670 | 6,071 |
| Average equity | $9,422,330 | 5,371 |
| Average total loans | $32,255,330 | 6,425 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0943% | 4,555 |
| Cost of funding earning assets | 0.9162% | 6,707 |
| Net interest margin | 4.1781% | 2,128 |
| Noninterest income to average assets | 0.3202% | 5,587 |
| Noninterest expense to average assets | 3.0483% | 3,487 |
| Loan and lease loss provision to assets | 0.0924% | 5,709 |
| Net operating income to assets | 1.1393% | 1,710 |
| Return on assets (ROA) | 1.1393% | 1,786 |
| Pretax return on assets | 1.1393% | 2,588 |
| Return on Equity (ROE) | 7.9182% | 2,927 |
| Retained earnings to average equity (ytd only) | 3.6381% | 3,968 |
| Net charge-offs to loans | 0.0249% | 5,227 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 318 |
| Efficiency ratio | 71.2230% | 4,079 |
| Assets per employee ($millions) | 4.6285% | 2,749 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 3,480 |
| Loan loss allowance to noncurrent loans | 237.6744% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 6,654 |
| Noncurrent loans to loans | 0.6704% | 5,986 |
| Net loans and leases to total assets | 48.7014% | 6,604 |
| Net loans and leases to deposits | 60.5035% | 6,418 |
| Net loans and leases to core deposits | 80.6285% | 4,683 |
| Total domestic deposits to total assets | 80.4935% | 5,616 |
| Equity capital to assets | 14.5218% | 994 |
| Core capital (leverage) ratio | 12.9696% | 1,219 |
| Tier 1 risk-based capital ratio | 22.0552% | 1,195 |
| Total risk-based capital ratio | 23.3064% | 1,178 |
| Memoranda: | ||
| Average total assets | $64,954,500 | 6,211 |
| Average earning assets | $61,559,000 | 6,106 |
| Average equity | $9,345,500 | 5,441 |
| Average total loans | $32,168,500 | 6,512 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 5,924 |
| Cost of funding earning assets | 1.1142% | 6,932 |
| Net interest margin | 4.0254% | 2,763 |
| Noninterest income to average assets | 0.2822% | 6,087 |
| Noninterest expense to average assets | 2.8073% | 4,956 |
| Loan and lease loss provision to assets | 0.1517% | 6,149 |
| Net operating income to assets | 1.1882% | 1,276 |
| Return on assets (ROA) | 1.3596% | 971 |
| Pretax return on assets | 1.3596% | 1,531 |
| Return on Equity (ROE) | 9.5297% | 1,845 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.1150% | 6,013 |
| Credit loss provision to net charge-offs | 303.0303% | 1,090 |
| Earnings coverage of net charge-offs (x) | 26.7576% | 844 |
| Efficiency ratio | 67.6912% | 5,062 |
| Assets per employee ($millions) | 4.6507% | 2,686 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,526 |
| Loan loss allowance to noncurrent loans | 320.6452% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 6,873 |
| Noncurrent loans to loans | 0.4804% | 6,295 |
| Net loans and leases to total assets | 48.7959% | 6,750 |
| Net loans and leases to deposits | 61.1204% | 6,548 |
| Net loans and leases to core deposits | 113.7400% | 2,526 |
| Total domestic deposits to total assets | 79.8357% | 5,717 |
| Equity capital to assets | 14.2543% | 1,094 |
| Core capital (leverage) ratio | 12.9692% | 1,261 |
| Tier 1 risk-based capital ratio | 21.9740% | 1,156 |
| Total risk-based capital ratio | 23.2253% | 1,137 |
| Memoranda: | ||
| Average total assets | $65,900,200 | 6,141 |
| Average earning assets | $63,274,000 | 6,023 |
| Average equity | $9,402,200 | 5,475 |
| Average total loans | $28,693,600 | 6,710 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1658% | 6,035 |
| Cost of funding earning assets | 1.1603% | 7,002 |
| Net interest margin | 4.0055% | 2,792 |
| Noninterest income to average assets | 0.2703% | 6,298 |
| Noninterest expense to average assets | 2.7454% | 5,123 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3757% | 1,074 |
| Return on assets (ROA) | 1.6036% | 713 |
| Pretax return on assets | 1.6036% | 1,170 |
| Return on Equity (ROE) | 11.2374% | 1,560 |
| Retained earnings to average equity (ytd only) | 4.1698% | 2,952 |
| Net charge-offs to loans | 0.1439% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 22.7328% | 1,147 |
| Efficiency ratio | 66.6177% | 5,264 |
| Assets per employee ($millions) | 4.5949% | 2,703 |
| Cash dividends to net income (ytd only)* | 62.8933% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,216 |
| Loan loss allowance to noncurrent loans | 384.6154% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 7,133 |
| Noncurrent loans to loans | 0.3505% | 6,655 |
| Net loans and leases to total assets | 45.5036% | 7,141 |
| Net loans and leases to deposits | 54.7498% | 7,159 |
| Net loans and leases to core deposits | 100.5496% | 4,315 |
| Total domestic deposits to total assets | 83.1118% | 4,171 |
| Equity capital to assets | 14.9046% | 1,031 |
| Core capital (leverage) ratio | 13.4062% | 1,261 |
| Tier 1 risk-based capital ratio | 24.2186% | 977 |
| Total risk-based capital ratio | 25.3201% | 971 |
| Memoranda: | ||
| Average total assets | $66,097,750 | 6,177 |
| Average earning assets | $63,544,500 | 6,057 |
| Average equity | $9,432,500 | 5,511 |
| Average total loans | $27,800,000 | 6,804 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 6,150 |
| Cost of funding earning assets | 1.2006% | 7,101 |
| Net interest margin | 3.9790% | 2,792 |
| Noninterest income to average assets | 0.2639% | 6,383 |
| Noninterest expense to average assets | 2.7352% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3556% | 1,112 |
| Return on assets (ROA) | 1.6945% | 626 |
| Pretax return on assets | 1.6945% | 1,028 |
| Return on Equity (ROE) | 12.0460% | 1,396 |
| Retained earnings to average equity (ytd only) | 7.7820% | 1,280 |
| Net charge-offs to loans | 0.2281% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 14.5806% | 1,639 |
| Efficiency ratio | 66.8622% | 5,395 |
| Assets per employee ($millions) | 4.5843% | 2,641 |
| Cash dividends to net income (ytd only)* | 35.3982% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 3,794 |
| Loan loss allowance to noncurrent loans | 424.4681% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 7,197 |
| Noncurrent loans to loans | 0.3270% | 6,694 |
| Net loans and leases to total assets | 44.1695% | 7,315 |
| Net loans and leases to deposits | 51.7876% | 7,395 |
| Net loans and leases to core deposits | 95.7800% | 4,929 |
| Total domestic deposits to total assets | 85.2898% | 3,112 |
| Equity capital to assets | 14.4967% | 1,166 |
| Core capital (leverage) ratio | 13.4365% | 1,291 |
| Tier 1 risk-based capital ratio | 24.3644% | 992 |
| Total risk-based capital ratio | 25.4418% | 994 |
| Memoranda: | ||
| Average total assets | $66,687,330 | 6,201 |
| Average earning assets | $64,136,000 | 6,072 |
| Average equity | $9,380,670 | 5,552 |
| Average total loans | $27,176,000 | 6,900 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 6,351 |
| Cost of funding earning assets | 1.2688% | 7,121 |
| Net interest margin | 3.9168% | 2,985 |
| Noninterest income to average assets | 0.2708% | 6,271 |
| Noninterest expense to average assets | 2.6140% | 5,393 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4189% | 1,101 |
| Return on assets (ROA) | 1.7191% | 686 |
| Pretax return on assets | 1.7191% | 1,143 |
| Return on Equity (ROE) | 12.4005% | 1,540 |
| Retained earnings to average equity (ytd only) | 8.1537% | 1,751 |
| Net charge-offs to loans | 0.1667% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 21.9091% | 1,321 |
| Efficiency ratio | 64.8175% | 5,538 |
| Assets per employee ($millions) | 4.7276% | 2,400 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 2,560 |
| Loan loss allowance to noncurrent loans | 414.8515% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 7,109 |
| Noncurrent loans to loans | 0.3834% | 6,462 |
| Net loans and leases to total assets | 39.1639% | 7,606 |
| Net loans and leases to deposits | 45.7685% | 7,671 |
| Net loans and leases to core deposits | 80.1937% | 6,368 |
| Total domestic deposits to total assets | 85.5695% | 2,936 |
| Equity capital to assets | 14.2613% | 1,292 |
| Core capital (leverage) ratio | 12.5308% | 1,674 |
| Tier 1 risk-based capital ratio | 25.3900% | 941 |
| Total risk-based capital ratio | 26.6139% | 917 |
| Memoranda: | ||
| Average total assets | $67,941,000 | 6,179 |
| Average earning assets | $65,257,500 | 6,065 |
| Average equity | $9,419,000 | 5,562 |
| Average total loans | $26,390,500 | 6,986 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5615% | 7,174 |
| Cost of funding earning assets | 2.1370% | 5,893 |
| Net interest margin | 3.4244% | 5,563 |
| Noninterest income to average assets | 0.3564% | 5,876 |
| Noninterest expense to average assets | 2.5545% | 5,814 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0780% | 2,232 |
| Return on assets (ROA) | 1.1954% | 1,717 |
| Pretax return on assets | 1.1954% | 2,658 |
| Return on Equity (ROE) | 9.2607% | 2,543 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | -0.0167% | 7,908 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3231% | 4,286 |
| Assets per employee ($millions) | 4.9783% | 1,962 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 2,132 |
| Loan loss allowance to noncurrent loans | 377.1930% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 6,913 |
| Noncurrent loans to loans | 0.4311% | 6,050 |
| Net loans and leases to total assets | 37.3206% | 7,784 |
| Net loans and leases to deposits | 47.2901% | 7,742 |
| Net loans and leases to core deposits | 83.6582% | 6,324 |
| Total domestic deposits to total assets | 78.9184% | 5,402 |
| Equity capital to assets | 13.4857% | 1,600 |
| Core capital (leverage) ratio | 12.2053% | 1,879 |
| Tier 1 risk-based capital ratio | 24.5388% | 1,028 |
| Total risk-based capital ratio | 25.7802% | 1,008 |
| Memoranda: | ||
| Average total assets | $69,014,200 | 6,064 |
| Average earning assets | $66,025,800 | 5,965 |
| Average equity | $8,908,600 | 5,772 |
| Average total loans | $23,958,000 | 7,075 |