Home > The Turbotville National Bank > Performance and Condition Ratios
The Turbotville National Bank, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2084% | 2,643 |
| Cost of funding earning assets | 1.9187% | 2,417 |
| Net interest margin | 3.2897% | 2,473 |
| Noninterest income to average assets | 0.2300% | 3,510 |
| Noninterest expense to average assets | 1.4673% | 4,281 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.6123% | 805 |
| Return on assets (ROA) | 1.6123% | 803 |
| Pretax return on assets | 1.9010% | 753 |
| Return on Equity (ROE) | 9.8100% | 2,252 |
| Retained earnings to average equity (ytd only) | 9.4592% | 977 |
| Net charge-offs to loans | 0.0359% | 1,616 |
| Credit loss provision to net charge-offs | 65.7895% | 1,951 |
| Earnings coverage of net charge-offs (x) | 73.7895% | 974 |
| Efficiency ratio | 43.3421% | 4,250 |
| Assets per employee ($millions) | 10.9658% | 570 |
| Cash dividends to net income (ytd only)* | 3.6063% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 3,304 |
| Loan loss allowance to noncurrent loans | 71.7413% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0614% | 612 |
| Noncurrent loans to loans | 1.3777% | 719 |
| Net loans and leases to total assets | 73.1800% | 1,476 |
| Net loans and leases to deposits | 88.9264% | 1,340 |
| Net loans and leases to core deposits | 100.2269% | 1,462 |
| Total domestic deposits to total assets | 82.3000% | 3,031 |
| Equity capital to assets | 16.8346% | 428 |
| Core capital (leverage) ratio | 17.9174% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $194,909,250 | 3,027 |
| Average earning assets | $186,923,250 | 2,985 |
| Average equity | $32,024,500 | 2,295 |
| Average total loans | $141,112,750 | 2,801 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 2,670 |
| Cost of funding earning assets | 1.8686% | 2,446 |
| Net interest margin | 3.2784% | 2,465 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 1.5014% | 4,275 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.5447% | 849 |
| Return on assets (ROA) | 1.5447% | 857 |
| Pretax return on assets | 1.8353% | 811 |
| Return on Equity (ROE) | 9.4800% | 2,317 |
| Retained earnings to average equity (ytd only) | 8.9429% | 1,113 |
| Net charge-offs to loans | 0.0186% | 1,789 |
| Credit loss provision to net charge-offs | 192.3077% | 1,048 |
| Earnings coverage of net charge-offs (x) | 138.9231% | 632 |
| Efficiency ratio | 44.6522% | 4,228 |
| Assets per employee ($millions) | 10.7801% | 580 |
| Cash dividends to net income (ytd only)* | 5.6704% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 3,077 |
| Loan loss allowance to noncurrent loans | 63.0968% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.2420% | 437 |
| Noncurrent loans to loans | 1.6451% | 498 |
| Net loans and leases to total assets | 72.0800% | 1,637 |
| Net loans and leases to deposits | 87.0237% | 1,568 |
| Net loans and leases to core deposits | 97.9378% | 1,616 |
| Total domestic deposits to total assets | 82.8300% | 2,898 |
| Equity capital to assets | 16.4305% | 439 |
| Core capital (leverage) ratio | 17.5700% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $194,084,000 | 3,038 |
| Average earning assets | $186,125,000 | 2,986 |
| Average equity | $31,623,000 | 2,285 |
| Average total loans | $139,519,000 | 2,810 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0304% | 2,732 |
| Cost of funding earning assets | 1.8078% | 2,486 |
| Net interest margin | 3.2227% | 2,516 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 1.4672% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.5785% | 804 |
| Return on assets (ROA) | 1.5785% | 813 |
| Pretax return on assets | 1.8691% | 749 |
| Return on Equity (ROE) | 9.7300% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.7290% | 1,163 |
| Net charge-offs to loans | 0.0289% | 1,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 90.7000% | 721 |
| Efficiency ratio | 43.9778% | 4,238 |
| Assets per employee ($millions) | 10.9243% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,132 |
| Loan loss allowance to noncurrent loans | 63.3772% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.2027% | 443 |
| Noncurrent loans to loans | 1.6302% | 469 |
| Net loans and leases to total assets | 70.3900% | 1,762 |
| Net loans and leases to deposits | 84.9920% | 1,630 |
| Net loans and leases to core deposits | 95.7473% | 1,663 |
| Total domestic deposits to total assets | 82.8200% | 3,019 |
| Equity capital to assets | 16.1526% | 446 |
| Core capital (leverage) ratio | 17.4657% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $194,105,000 | 3,039 |
| Average earning assets | $186,305,500 | 2,990 |
| Average equity | $31,493,500 | 2,290 |
| Average total loans | $138,614,500 | 2,822 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7207% | 2,630 |
| Cost of funding earning assets | 1.4020% | 2,225 |
| Net interest margin | 3.3187% | 2,583 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.5686% | 4,274 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.5146% | 986 |
| Return on assets (ROA) | 1.5146% | 957 |
| Pretax return on assets | 1.8184% | 866 |
| Return on Equity (ROE) | 9.4700% | 2,642 |
| Retained earnings to average equity (ytd only) | 6.8647% | 1,929 |
| Net charge-offs to loans | -0.0046% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 45.9677% | 4,195 |
| Assets per employee ($millions) | 10.6429% | 593 |
| Cash dividends to net income (ytd only)* | 27.5027% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 3,027 |
| Loan loss allowance to noncurrent loans | 62.5430% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.2152% | 356 |
| Noncurrent loans to loans | 1.6947% | 369 |
| Net loans and leases to total assets | 70.9400% | 1,709 |
| Net loans and leases to deposits | 85.8728% | 1,623 |
| Net loans and leases to core deposits | 95.2611% | 1,697 |
| Total domestic deposits to total assets | 82.6200% | 2,981 |
| Equity capital to assets | 16.2993% | 436 |
| Core capital (leverage) ratio | 17.4946% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $185,323,600 | 3,087 |
| Average earning assets | $177,599,400 | 3,030 |
| Average equity | $29,644,200 | 2,275 |
| Average total loans | $131,853,400 | 2,846 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 2,558 |
| Cost of funding earning assets | 1.3219% | 2,084 |
| Net interest margin | 3.3370% | 2,602 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.5034% | 4,315 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5832% | 961 |
| Return on assets (ROA) | 1.5832% | 957 |
| Pretax return on assets | 1.9082% | 850 |
| Return on Equity (ROE) | 9.9500% | 2,651 |
| Retained earnings to average equity (ytd only) | 9.6138% | 1,512 |
| Net charge-offs to loans | -0.0112% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.8333% | 4,237 |
| Assets per employee ($millions) | 10.2357% | 617 |
| Cash dividends to net income (ytd only)* | 3.3456% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 2,968 |
| Loan loss allowance to noncurrent loans | 68.0871% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 405 |
| Noncurrent loans to loans | 1.5854% | 444 |
| Net loans and leases to total assets | 71.5200% | 1,637 |
| Net loans and leases to deposits | 86.5676% | 1,504 |
| Net loans and leases to core deposits | 95.1657% | 1,608 |
| Total domestic deposits to total assets | 82.6200% | 3,087 |
| Equity capital to assets | 16.1298% | 439 |
| Core capital (leverage) ratio | 17.8087% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $183,761,250 | 3,103 |
| Average earning assets | $176,000,500 | 3,048 |
| Average equity | $29,249,000 | 2,287 |
| Average total loans | $130,475,250 | 2,859 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 2,510 |
| Cost of funding earning assets | 1.2245% | 1,917 |
| Net interest margin | 3.3335% | 2,677 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.4945% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6144% | 928 |
| Return on assets (ROA) | 1.6144% | 929 |
| Pretax return on assets | 1.9401% | 820 |
| Return on Equity (ROE) | 10.1900% | 2,647 |
| Retained earnings to average equity (ytd only) | 9.6863% | 1,491 |
| Net charge-offs to loans | -0.0278% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.5141% | 4,273 |
| Assets per employee ($millions) | 10.2686% | 624 |
| Cash dividends to net income (ytd only)* | 4.9258% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,073 |
| Loan loss allowance to noncurrent loans | 51.9196% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.4797% | 242 |
| Noncurrent loans to loans | 2.0674% | 259 |
| Net loans and leases to total assets | 70.8100% | 1,657 |
| Net loans and leases to deposits | 85.6666% | 1,528 |
| Net loans and leases to core deposits | 94.0693% | 1,563 |
| Total domestic deposits to total assets | 82.6500% | 3,115 |
| Equity capital to assets | 16.1761% | 428 |
| Core capital (leverage) ratio | 17.6351% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $183,600,667 | 3,107 |
| Average earning assets | $175,911,333 | 3,059 |
| Average equity | $29,092,667 | 2,299 |
| Average total loans | $129,562,667 | 2,866 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 2,632 |
| Cost of funding earning assets | 1.0834% | 1,797 |
| Net interest margin | 3.2867% | 2,910 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.4602% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6482% | 914 |
| Return on assets (ROA) | 1.6482% | 915 |
| Pretax return on assets | 1.9433% | 857 |
| Return on Equity (ROE) | 10.5100% | 2,630 |
| Retained earnings to average equity (ytd only) | 10.5126% | 1,578 |
| Net charge-offs to loans | -0.0562% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.9030% | 4,344 |
| Assets per employee ($millions) | 10.2870% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,040 |
| Loan loss allowance to noncurrent loans | 43.7596% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7525% | 161 |
| Noncurrent loans to loans | 2.5198% | 193 |
| Net loans and leases to total assets | 68.7800% | 1,754 |
| Net loans and leases to deposits | 82.9508% | 1,580 |
| Net loans and leases to core deposits | 90.6407% | 1,582 |
| Total domestic deposits to total assets | 82.9200% | 3,312 |
| Equity capital to assets | 15.9279% | 414 |
| Core capital (leverage) ratio | 17.2969% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $182,984,000 | 3,155 |
| Average earning assets | $175,375,500 | 3,098 |
| Average equity | $28,689,500 | 2,346 |
| Average total loans | $128,198,000 | 2,907 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 2,087 |
| Cost of funding earning assets | 0.6247% | 812 |
| Net interest margin | 3.2378% | 2,743 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.5250% | 4,401 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.5344% | 805 |
| Return on assets (ROA) | 1.5199% | 812 |
| Pretax return on assets | 1.8225% | 700 |
| Return on Equity (ROE) | 9.7200% | 2,896 |
| Retained earnings to average equity (ytd only) | 7.0969% | 2,198 |
| Net charge-offs to loans | 0.0135% | 1,876 |
| Credit loss provision to net charge-offs | 343.7500% | 845 |
| Earnings coverage of net charge-offs (x) | 207.9375% | 632 |
| Efficiency ratio | 44.9081% | 4,395 |
| Assets per employee ($millions) | 10.0446% | 663 |
| Cash dividends to net income (ytd only)* | 26.9700% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 1,851 |
| Loan loss allowance to noncurrent loans | 64.0613% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 230 |
| Noncurrent loans to loans | 2.0452% | 273 |
| Net loans and leases to total assets | 69.6600% | 1,667 |
| Net loans and leases to deposits | 83.3646% | 1,511 |
| Net loans and leases to core deposits | 88.3501% | 1,591 |
| Total domestic deposits to total assets | 83.5600% | 3,302 |
| Equity capital to assets | 15.4235% | 436 |
| Core capital (leverage) ratio | 16.9549% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $177,836,000 | 3,212 |
| Average earning assets | $170,175,200 | 3,152 |
| Average equity | $27,815,000 | 2,436 |
| Average total loans | $118,641,000 | 2,936 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6634% | 2,155 |
| Cost of funding earning assets | 0.5571% | 557 |
| Net interest margin | 3.1063% | 2,916 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.5020% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4455% | 966 |
| Return on assets (ROA) | 1.4455% | 943 |
| Pretax return on assets | 1.7723% | 777 |
| Return on Equity (ROE) | 9.2100% | 2,969 |
| Retained earnings to average equity (ytd only) | 8.8592% | 1,700 |
| Net charge-offs to loans | 0.0115% | 1,690 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 235.4000% | 563 |
| Efficiency ratio | 45.8726% | 4,387 |
| Assets per employee ($millions) | 9.8143% | 693 |
| Cash dividends to net income (ytd only)* | 3.8021% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 1,856 |
| Loan loss allowance to noncurrent loans | 64.8940% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.4157% | 251 |
| Noncurrent loans to loans | 2.0600% | 293 |
| Net loans and leases to total assets | 67.8000% | 1,700 |
| Net loans and leases to deposits | 81.2401% | 1,502 |
| Net loans and leases to core deposits | 85.0948% | 1,580 |
| Total domestic deposits to total assets | 83.4600% | 3,614 |
| Equity capital to assets | 15.2866% | 428 |
| Core capital (leverage) ratio | 17.2433% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $177,094,500 | 3,235 |
| Average earning assets | $169,455,500 | 3,179 |
| Average equity | $27,797,250 | 2,472 |
| Average total loans | $116,397,500 | 2,968 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5405% | 2,016 |
| Cost of funding earning assets | 0.5443% | 405 |
| Net interest margin | 2.9962% | 2,889 |
| Noninterest income to average assets | 0.3295% | 3,191 |
| Noninterest expense to average assets | 1.4444% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4286% | 838 |
| Return on assets (ROA) | 1.4286% | 825 |
| Pretax return on assets | 1.7547% | 667 |
| Return on Equity (ROE) | 9.0231% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.5028% | 1,439 |
| Net charge-offs to loans | -0.0192% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1499% | 4,490 |
| Assets per employee ($millions) | 9.8720% | 688 |
| Cash dividends to net income (ytd only)* | 5.7662% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,743 |
| Loan loss allowance to noncurrent loans | 62.7481% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 246 |
| Noncurrent loans to loans | 2.2336% | 281 |
| Net loans and leases to total assets | 65.0848% | 1,802 |
| Net loans and leases to deposits | 78.1170% | 1,532 |
| Net loans and leases to core deposits | 81.5187% | 1,622 |
| Total domestic deposits to total assets | 83.3170% | 3,815 |
| Equity capital to assets | 15.3402% | 379 |
| Core capital (leverage) ratio | 16.7246% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,240,000 | 3,266 |
| Average earning assets | $169,747,667 | 3,219 |
| Average equity | $28,061,333 | 2,522 |
| Average total loans | $114,728,333 | 3,008 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4990% | 1,813 |
| Cost of funding earning assets | 0.5439% | 388 |
| Net interest margin | 2.9551% | 2,654 |
| Noninterest income to average assets | 0.2350% | 3,736 |
| Noninterest expense to average assets | 1.5185% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2248% | 1,182 |
| Return on assets (ROA) | 1.2248% | 1,167 |
| Pretax return on assets | 1.5524% | 918 |
| Return on Equity (ROE) | 7.6170% | 2,834 |
| Retained earnings to average equity (ytd only) | 7.6170% | 1,698 |
| Net charge-offs to loans | 0.0176% | 1,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 137.4000% | 565 |
| Efficiency ratio | 49.4481% | 4,342 |
| Assets per employee ($millions) | 11.1074% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,767 |
| Loan loss allowance to noncurrent loans | 91.1024% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.0055% | 501 |
| Noncurrent loans to loans | 1.5787% | 507 |
| Net loans and leases to total assets | 62.7764% | 1,766 |
| Net loans and leases to deposits | 75.4761% | 1,492 |
| Net loans and leases to core deposits | 78.7599% | 1,563 |
| Total domestic deposits to total assets | 83.1739% | 3,920 |
| Equity capital to assets | 15.6771% | 343 |
| Core capital (leverage) ratio | 16.3937% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,012,000 | 3,283 |
| Average earning assets | $169,876,000 | 3,224 |
| Average equity | $28,462,500 | 2,574 |
| Average total loans | $113,444,000 | 3,020 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 2,386 |
| Cost of funding earning assets | 0.7089% | 310 |
| Net interest margin | 2.8922% | 3,463 |
| Noninterest income to average assets | 0.7876% | 1,480 |
| Noninterest expense to average assets | 1.5035% | 4,544 |
| Loan and lease loss provision to assets | 0.0984% | 1,262 |
| Net operating income to assets | 1.6256% | 749 |
| Return on assets (ROA) | 1.6256% | 787 |
| Pretax return on assets | 1.9601% | 654 |
| Return on Equity (ROE) | 9.7896% | 2,603 |
| Retained earnings to average equity (ytd only) | 6.5728% | 2,096 |
| Net charge-offs to loans | -0.0046% | 3,533 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2096% | 4,636 |
| Assets per employee ($millions) | 11.7537% | 425 |
| Cash dividends to net income (ytd only)* | 32.8587% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,779 |
| Loan loss allowance to noncurrent loans | 90.4709% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.0238% | 532 |
| Noncurrent loans to loans | 1.5876% | 554 |
| Net loans and leases to total assets | 63.5611% | 1,755 |
| Net loans and leases to deposits | 77.1910% | 1,476 |
| Net loans and leases to core deposits | 80.6056% | 1,547 |
| Total domestic deposits to total assets | 82.3426% | 3,915 |
| Equity capital to assets | 16.4850% | 332 |
| Core capital (leverage) ratio | 16.0557% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,798,200 | 3,274 |
| Average earning assets | $165,753,400 | 3,224 |
| Average equity | $28,693,800 | 2,612 |
| Average total loans | $109,885,400 | 3,081 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 2,557 |
| Cost of funding earning assets | 0.6818% | 424 |
| Net interest margin | 2.9198% | 3,509 |
| Noninterest income to average assets | 0.9066% | 1,240 |
| Noninterest expense to average assets | 1.3890% | 4,697 |
| Loan and lease loss provision to assets | 0.0192% | 2,619 |
| Net operating income to assets | 1.9636% | 489 |
| Return on assets (ROA) | 1.9636% | 515 |
| Pretax return on assets | 2.2979% | 469 |
| Return on Equity (ROE) | 11.8034% | 2,117 |
| Retained earnings to average equity (ytd only) | 11.4631% | 958 |
| Net charge-offs to loans | -0.0024% | 3,261 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4765% | 4,783 |
| Assets per employee ($millions) | 10.4296% | 566 |
| Cash dividends to net income (ytd only)* | 2.8831% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,371 |
| Loan loss allowance to noncurrent loans | 80.8928% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.0361% | 623 |
| Noncurrent loans to loans | 1.6387% | 621 |
| Net loans and leases to total assets | 62.3889% | 1,958 |
| Net loans and leases to deposits | 76.6785% | 1,601 |
| Net loans and leases to core deposits | 80.0877% | 1,722 |
| Total domestic deposits to total assets | 81.3642% | 4,040 |
| Equity capital to assets | 16.7915% | 351 |
| Core capital (leverage) ratio | 16.6445% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,921,250 | 3,310 |
| Average earning assets | $164,848,250 | 3,263 |
| Average equity | $28,601,250 | 2,645 |
| Average total loans | $108,933,000 | 3,132 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 2,463 |
| Cost of funding earning assets | 0.7129% | 435 |
| Net interest margin | 2.9388% | 3,479 |
| Noninterest income to average assets | 1.1803% | 823 |
| Noninterest expense to average assets | 1.3719% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3065% | 278 |
| Return on assets (ROA) | 2.3065% | 296 |
| Pretax return on assets | 2.6239% | 294 |
| Return on Equity (ROE) | 13.9095% | 1,438 |
| Retained earnings to average equity (ytd only) | 13.3919% | 654 |
| Net charge-offs to loans | -0.0056% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3336% | 4,867 |
| Assets per employee ($millions) | 10.2891% | 564 |
| Cash dividends to net income (ytd only)* | 3.7207% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 2,286 |
| Loan loss allowance to noncurrent loans | 91.1416% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 841 |
| Noncurrent loans to loans | 1.4600% | 782 |
| Net loans and leases to total assets | 61.9329% | 2,186 |
| Net loans and leases to deposits | 76.1632% | 1,803 |
| Net loans and leases to core deposits | 79.7400% | 1,904 |
| Total domestic deposits to total assets | 81.3161% | 4,041 |
| Equity capital to assets | 16.7104% | 345 |
| Core capital (leverage) ratio | 16.4172% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,127,000 | 3,337 |
| Average earning assets | $162,991,000 | 3,280 |
| Average equity | $28,211,000 | 2,658 |
| Average total loans | $107,876,000 | 3,156 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 2,180 |
| Cost of funding earning assets | 0.7449% | 460 |
| Net interest margin | 3.0269% | 3,189 |
| Noninterest income to average assets | 1.1208% | 950 |
| Noninterest expense to average assets | 1.3426% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3680% | 331 |
| Return on assets (ROA) | 2.3680% | 354 |
| Pretax return on assets | 2.6757% | 339 |
| Return on Equity (ROE) | 14.3383% | 1,367 |
| Retained earnings to average equity (ytd only) | 14.3383% | 720 |
| Net charge-offs to loans | -0.0112% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4125% | 4,879 |
| Assets per employee ($millions) | 10.1502% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 2,114 |
| Loan loss allowance to noncurrent loans | 89.7420% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 893 |
| Noncurrent loans to loans | 1.5236% | 816 |
| Net loans and leases to total assets | 61.0757% | 2,394 |
| Net loans and leases to deposits | 74.6469% | 2,053 |
| Net loans and leases to core deposits | 78.1717% | 2,166 |
| Total domestic deposits to total assets | 81.8195% | 3,926 |
| Equity capital to assets | 16.2379% | 368 |
| Core capital (leverage) ratio | 16.4965% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,733,000 | 3,359 |
| Average earning assets | $160,562,500 | 3,299 |
| Average equity | $27,702,000 | 2,692 |
| Average total loans | $106,918,500 | 3,170 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 2,169 |
| Cost of funding earning assets | 0.9005% | 858 |
| Net interest margin | 3.2873% | 3,099 |
| Noninterest income to average assets | 0.5061% | 2,607 |
| Noninterest expense to average assets | 1.6542% | 4,660 |
| Loan and lease loss provision to assets | 0.1787% | 2,160 |
| Net operating income to assets | 1.5208% | 768 |
| Return on assets (ROA) | 1.5208% | 834 |
| Pretax return on assets | 1.8208% | 656 |
| Return on Equity (ROE) | 8.9640% | 2,406 |
| Retained earnings to average equity (ytd only) | 6.4061% | 1,633 |
| Net charge-offs to loans | 0.0122% | 2,894 |
| Credit loss provision to net charge-offs | 2,153.8462% | 415 |
| Earnings coverage of net charge-offs (x) | 241.0000% | 416 |
| Efficiency ratio | 45.2751% | 4,744 |
| Assets per employee ($millions) | 9.5831% | 606 |
| Cash dividends to net income (ytd only)* | 28.5355% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,133 |
| Loan loss allowance to noncurrent loans | 62.3343% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.4357% | 528 |
| Noncurrent loans to loans | 2.1862% | 495 |
| Net loans and leases to total assets | 64.7769% | 2,263 |
| Net loans and leases to deposits | 79.6958% | 1,899 |
| Net loans and leases to core deposits | 83.7108% | 2,066 |
| Total domestic deposits to total assets | 81.2802% | 3,816 |
| Equity capital to assets | 16.8096% | 354 |
| Core capital (leverage) ratio | 16.3886% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,691,800 | 3,318 |
| Average earning assets | $150,031,200 | 3,261 |
| Average equity | $26,584,200 | 2,704 |
| Average total loans | $106,637,200 | 3,145 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 2,122 |
| Cost of funding earning assets | 0.9232% | 988 |
| Net interest margin | 3.3697% | 3,000 |
| Noninterest income to average assets | 0.4761% | 2,710 |
| Noninterest expense to average assets | 1.6372% | 4,694 |
| Loan and lease loss provision to assets | 0.0799% | 3,315 |
| Net operating income to assets | 1.6579% | 634 |
| Return on assets (ROA) | 1.6579% | 707 |
| Pretax return on assets | 1.9870% | 529 |
| Return on Equity (ROE) | 9.7481% | 2,115 |
| Retained earnings to average equity (ytd only) | 9.3792% | 884 |
| Net charge-offs to loans | 0.0113% | 2,703 |
| Credit loss provision to net charge-offs | 1,033.3333% | 808 |
| Earnings coverage of net charge-offs (x) | 267.2222% | 398 |
| Efficiency ratio | 44.1995% | 4,783 |
| Assets per employee ($millions) | 8.9380% | 706 |
| Cash dividends to net income (ytd only)* | 3.7843% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,764 |
| Loan loss allowance to noncurrent loans | 63.5775% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2475% | 780 |
| Noncurrent loans to loans | 1.8588% | 695 |
| Net loans and leases to total assets | 66.3173% | 2,480 |
| Net loans and leases to deposits | 81.8187% | 2,118 |
| Net loans and leases to core deposits | 85.9978% | 2,300 |
| Total domestic deposits to total assets | 81.0541% | 3,650 |
| Equity capital to assets | 17.0620% | 367 |
| Core capital (leverage) ratio | 16.7419% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,136,500 | 3,314 |
| Average earning assets | $148,615,250 | 3,261 |
| Average equity | $26,384,000 | 2,702 |
| Average total loans | $106,549,500 | 3,146 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 2,268 |
| Cost of funding earning assets | 0.9460% | 1,166 |
| Net interest margin | 3.4288% | 3,010 |
| Noninterest income to average assets | 0.3903% | 3,141 |
| Noninterest expense to average assets | 1.6473% | 4,735 |
| Loan and lease loss provision to assets | 0.0627% | 3,509 |
| Net operating income to assets | 1.6799% | 639 |
| Return on assets (ROA) | 1.6799% | 696 |
| Pretax return on assets | 1.9684% | 584 |
| Return on Equity (ROE) | 9.8891% | 2,019 |
| Retained earnings to average equity (ytd only) | 9.3282% | 930 |
| Net charge-offs to loans | 0.0075% | 2,678 |
| Credit loss provision to net charge-offs | 1,200.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 389.0000% | 264 |
| Efficiency ratio | 44.7835% | 4,783 |
| Assets per employee ($millions) | 8.7842% | 729 |
| Cash dividends to net income (ytd only)* | 5.6721% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 2,779 |
| Loan loss allowance to noncurrent loans | 65.5868% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 919 |
| Noncurrent loans to loans | 1.7541% | 812 |
| Net loans and leases to total assets | 67.1132% | 2,486 |
| Net loans and leases to deposits | 82.6217% | 2,132 |
| Net loans and leases to core deposits | 87.0903% | 2,344 |
| Total domestic deposits to total assets | 81.2295% | 3,555 |
| Equity capital to assets | 16.9105% | 382 |
| Core capital (leverage) ratio | 16.8947% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,220,667 | 3,320 |
| Average earning assets | $146,931,000 | 3,254 |
| Average equity | $26,028,667 | 2,713 |
| Average total loans | $106,076,000 | 3,148 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 1,833 |
| Cost of funding earning assets | 0.9680% | 1,572 |
| Net interest margin | 3.6871% | 2,368 |
| Noninterest income to average assets | 0.2573% | 4,002 |
| Noninterest expense to average assets | 1.7138% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8146% | 399 |
| Return on assets (ROA) | 1.8146% | 442 |
| Pretax return on assets | 2.0906% | 376 |
| Return on Equity (ROE) | 10.6567% | 1,515 |
| Retained earnings to average equity (ytd only) | 10.6567% | 618 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0488% | 4,858 |
| Assets per employee ($millions) | 8.3989% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 3,052 |
| Loan loss allowance to noncurrent loans | 62.5722% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2601% | 954 |
| Noncurrent loans to loans | 1.8047% | 832 |
| Net loans and leases to total assets | 69.0349% | 2,390 |
| Net loans and leases to deposits | 85.4648% | 2,063 |
| Net loans and leases to core deposits | 90.3102% | 2,315 |
| Total domestic deposits to total assets | 80.7759% | 3,714 |
| Equity capital to assets | 17.2384% | 414 |
| Core capital (leverage) ratio | 17.0665% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6022% | 468 |
| Memoranda: | ||
| Average total assets | $150,773,500 | 3,314 |
| Average earning assets | $145,044,500 | 3,238 |
| Average equity | $25,674,000 | 2,733 |
| Average total loans | $105,438,500 | 3,148 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 3,281 |
| Cost of funding earning assets | 0.9538% | 1,938 |
| Net interest margin | 3.4353% | 3,635 |
| Noninterest income to average assets | 0.2932% | 3,933 |
| Noninterest expense to average assets | 1.6935% | 4,876 |
| Loan and lease loss provision to assets | 0.1663% | 1,257 |
| Net operating income to assets | 1.4508% | 1,186 |
| Return on assets (ROA) | 1.4417% | 1,279 |
| Pretax return on assets | 1.7254% | 1,123 |
| Return on Equity (ROE) | 8.6299% | 2,897 |
| Retained earnings to average equity (ytd only) | 6.0702% | 1,829 |
| Net charge-offs to loans | 0.0603% | 2,242 |
| Credit loss provision to net charge-offs | 401.6393% | 709 |
| Earnings coverage of net charge-offs (x) | 45.9508% | 1,197 |
| Efficiency ratio | 47.0932% | 4,870 |
| Assets per employee ($millions) | 8.3537% | 627 |
| Cash dividends to net income (ytd only)* | 29.6610% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 2,784 |
| Loan loss allowance to noncurrent loans | 52.0997% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 640 |
| Noncurrent loans to loans | 2.1706% | 574 |
| Net loans and leases to total assets | 69.2486% | 2,510 |
| Net loans and leases to deposits | 85.3402% | 2,174 |
| Net loans and leases to core deposits | 89.9733% | 2,429 |
| Total domestic deposits to total assets | 81.1441% | 3,733 |
| Equity capital to assets | 16.8169% | 492 |
| Core capital (leverage) ratio | 16.5710% | 461 |
| Tier 1 risk-based capital ratio | 22.4883% | 966 |
| Total risk-based capital ratio | 23.5592% | 964 |
| Memoranda: | ||
| Average total assets | $147,326,200 | 3,333 |
| Average earning assets | $141,645,200 | 3,257 |
| Average equity | $24,612,000 | 2,740 |
| Average total loans | $101,206,400 | 3,208 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 3,557 |
| Cost of funding earning assets | 0.9395% | 2,044 |
| Net interest margin | 3.3955% | 3,870 |
| Noninterest income to average assets | 0.2938% | 3,979 |
| Noninterest expense to average assets | 1.6247% | 4,986 |
| Loan and lease loss provision to assets | 0.0646% | 2,600 |
| Net operating income to assets | 1.5642% | 1,012 |
| Return on assets (ROA) | 1.5619% | 1,078 |
| Pretax return on assets | 1.8667% | 944 |
| Return on Equity (ROE) | 9.3657% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.9675% | 1,056 |
| Net charge-offs to loans | 0.0333% | 2,406 |
| Credit loss provision to net charge-offs | 284.0000% | 991 |
| Earnings coverage of net charge-offs (x) | 85.0465% | 831 |
| Efficiency ratio | 45.6544% | 4,949 |
| Assets per employee ($millions) | 8.8581% | 511 |
| Cash dividends to net income (ytd only)* | 4.2516% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,480 |
| Loan loss allowance to noncurrent loans | 31.4798% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.2545% | 341 |
| Noncurrent loans to loans | 3.2280% | 279 |
| Net loans and leases to total assets | 68.1148% | 2,774 |
| Net loans and leases to deposits | 84.0678% | 2,447 |
| Net loans and leases to core deposits | 88.6197% | 2,674 |
| Total domestic deposits to total assets | 81.0236% | 3,750 |
| Equity capital to assets | 16.9244% | 491 |
| Core capital (leverage) ratio | 17.0288% | 440 |
| Tier 1 risk-based capital ratio | 23.4313% | 906 |
| Total risk-based capital ratio | 24.4119% | 911 |
| Memoranda: | ||
| Average total assets | $146,566,000 | 3,379 |
| Average earning assets | $140,926,750 | 3,299 |
| Average equity | $24,443,250 | 2,773 |
| Average total loans | $100,178,500 | 3,264 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 3,518 |
| Cost of funding earning assets | 0.9179% | 2,065 |
| Net interest margin | 3.4206% | 3,829 |
| Noninterest income to average assets | 0.2796% | 4,063 |
| Noninterest expense to average assets | 1.6746% | 4,998 |
| Loan and lease loss provision to assets | 0.0358% | 3,102 |
| Net operating income to assets | 1.5442% | 1,023 |
| Return on assets (ROA) | 1.5397% | 1,084 |
| Pretax return on assets | 1.8482% | 935 |
| Return on Equity (ROE) | 9.2797% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.6738% | 1,134 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9861% | 4,940 |
| Assets per employee ($millions) | 8.1788% | 627 |
| Cash dividends to net income (ytd only)* | 6.5295% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,508 |
| Loan loss allowance to noncurrent loans | 30.8635% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 2.3074% | 348 |
| Noncurrent loans to loans | 3.3001% | 278 |
| Net loans and leases to total assets | 68.1902% | 2,787 |
| Net loans and leases to deposits | 84.0357% | 2,491 |
| Net loans and leases to core deposits | 87.9086% | 2,805 |
| Total domestic deposits to total assets | 81.1444% | 3,761 |
| Equity capital to assets | 16.8443% | 488 |
| Core capital (leverage) ratio | 16.7976% | 453 |
| Tier 1 risk-based capital ratio | 22.5577% | 989 |
| Total risk-based capital ratio | 23.5065% | 1,007 |
| Memoranda: | ||
| Average total assets | $145,225,670 | 3,412 |
| Average earning assets | $139,450,000 | 3,336 |
| Average equity | $24,095,670 | 2,789 |
| Average total loans | $99,029,670 | 3,299 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 3,562 |
| Cost of funding earning assets | 0.8805% | 2,093 |
| Net interest margin | 3.4180% | 3,838 |
| Noninterest income to average assets | 0.2635% | 4,122 |
| Noninterest expense to average assets | 1.6640% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6665% | 784 |
| Return on assets (ROA) | 1.6640% | 819 |
| Pretax return on assets | 1.8803% | 830 |
| Return on Equity (ROE) | 10.1076% | 2,325 |
| Retained earnings to average equity (ytd only) | 10.1076% | 1,010 |
| Net charge-offs to loans | -0.0123% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9116% | 4,986 |
| Assets per employee ($millions) | 8.1224% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,604 |
| Loan loss allowance to noncurrent loans | 33.8472% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 2.0752% | 452 |
| Noncurrent loans to loans | 2.9980% | 362 |
| Net loans and leases to total assets | 67.3873% | 2,841 |
| Net loans and leases to deposits | 82.7097% | 2,538 |
| Net loans and leases to core deposits | 86.5254% | 2,826 |
| Total domestic deposits to total assets | 81.4745% | 3,862 |
| Equity capital to assets | 16.4954% | 499 |
| Core capital (leverage) ratio | 16.8517% | 438 |
| Tier 1 risk-based capital ratio | 22.6595% | 977 |
| Total risk-based capital ratio | 23.6085% | 989 |
| Memoranda: | ||
| Average total assets | $144,229,000 | 3,463 |
| Average earning assets | $138,559,500 | 3,387 |
| Average equity | $23,744,500 | 2,829 |
| Average total loans | $97,833,500 | 3,352 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 3,699 |
| Cost of funding earning assets | 0.8045% | 1,503 |
| Net interest margin | 3.3097% | 4,225 |
| Noninterest income to average assets | 0.2773% | 4,249 |
| Noninterest expense to average assets | 1.8851% | 4,914 |
| Loan and lease loss provision to assets | 0.1080% | 2,037 |
| Net operating income to assets | 1.2269% | 2,060 |
| Return on assets (ROA) | 1.2166% | 2,094 |
| Pretax return on assets | 1.4399% | 1,989 |
| Return on Equity (ROE) | 7.3581% | 3,708 |
| Retained earnings to average equity (ytd only) | 4.8706% | 2,850 |
| Net charge-offs to loans | 0.0278% | 2,852 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 86.6400% | 814 |
| Efficiency ratio | 54.7146% | 4,554 |
| Assets per employee ($millions) | 7.9030% | 683 |
| Cash dividends to net income (ytd only)* | 33.8070% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,399 |
| Loan loss allowance to noncurrent loans | 29.5135% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 2.4337% | 324 |
| Noncurrent loans to loans | 3.5492% | 244 |
| Net loans and leases to total assets | 66.8712% | 3,015 |
| Net loans and leases to deposits | 81.0440% | 2,848 |
| Net loans and leases to core deposits | 84.2346% | 3,062 |
| Total domestic deposits to total assets | 82.5123% | 3,480 |
| Equity capital to assets | 16.4298% | 473 |
| Core capital (leverage) ratio | 16.5770% | 450 |
| Tier 1 risk-based capital ratio | 22.6095% | 954 |
| Total risk-based capital ratio | 23.5776% | 959 |
| Memoranda: | ||
| Average total assets | $138,829,200 | 3,524 |
| Average earning assets | $132,883,200 | 3,453 |
| Average equity | $22,954,200 | 2,825 |
| Average total loans | $90,088,600 | 3,481 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 3,746 |
| Cost of funding earning assets | 0.7812% | 1,424 |
| Net interest margin | 3.2816% | 4,334 |
| Noninterest income to average assets | 0.2744% | 4,318 |
| Noninterest expense to average assets | 1.7356% | 5,104 |
| Loan and lease loss provision to assets | 0.0676% | 2,626 |
| Net operating income to assets | 1.3501% | 1,662 |
| Return on assets (ROA) | 1.3510% | 1,673 |
| Pretax return on assets | 1.6099% | 1,552 |
| Return on Equity (ROE) | 8.1574% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.7315% | 1,779 |
| Net charge-offs to loans | 0.0045% | 3,286 |
| Credit loss provision to net charge-offs | 2,333.3333% | 180 |
| Earnings coverage of net charge-offs (x) | 578.3200% | 152 |
| Efficiency ratio | 50.8638% | 4,892 |
| Assets per employee ($millions) | 7.8707% | 683 |
| Cash dividends to net income (ytd only)* | 5.2217% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,602 |
| Loan loss allowance to noncurrent loans | 35.2526% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.9002% | 584 |
| Noncurrent loans to loans | 2.9147% | 381 |
| Net loans and leases to total assets | 64.5225% | 3,360 |
| Net loans and leases to deposits | 78.0090% | 3,235 |
| Net loans and leases to core deposits | 81.0812% | 3,397 |
| Total domestic deposits to total assets | 82.7116% | 3,398 |
| Equity capital to assets | 16.4696% | 461 |
| Core capital (leverage) ratio | 16.8277% | 435 |
| Tier 1 risk-based capital ratio | 23.4174% | 903 |
| Total risk-based capital ratio | 24.3542% | 903 |
| Memoranda: | ||
| Average total assets | $137,973,000 | 3,571 |
| Average earning assets | $131,923,250 | 3,506 |
| Average equity | $22,849,750 | 2,836 |
| Average total loans | $88,577,250 | 3,536 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 3,734 |
| Cost of funding earning assets | 0.7537% | 1,354 |
| Net interest margin | 3.2631% | 4,353 |
| Noninterest income to average assets | 0.2750% | 4,351 |
| Noninterest expense to average assets | 1.7493% | 5,150 |
| Loan and lease loss provision to assets | 0.0512% | 2,892 |
| Net operating income to assets | 1.3483% | 1,604 |
| Return on assets (ROA) | 1.3471% | 1,615 |
| Pretax return on assets | 1.5884% | 1,537 |
| Return on Equity (ROE) | 8.1186% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.4751% | 1,853 |
| Net charge-offs to loans | -0.0069% | 4,188 |
| Credit loss provision to net charge-offs | -1,166.6667% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5962% | 4,931 |
| Assets per employee ($millions) | 7.8344% | 668 |
| Cash dividends to net income (ytd only)* | 7.9262% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,790 |
| Loan loss allowance to noncurrent loans | 29.7446% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.1933% | 452 |
| Noncurrent loans to loans | 3.3871% | 298 |
| Net loans and leases to total assets | 64.1034% | 3,387 |
| Net loans and leases to deposits | 77.4128% | 3,211 |
| Net loans and leases to core deposits | 80.2895% | 3,396 |
| Total domestic deposits to total assets | 82.8073% | 3,470 |
| Equity capital to assets | 16.3028% | 464 |
| Core capital (leverage) ratio | 16.8949% | 406 |
| Tier 1 risk-based capital ratio | 23.2856% | 908 |
| Total risk-based capital ratio | 24.2072% | 920 |
| Memoranda: | ||
| Average total assets | $136,739,670 | 3,614 |
| Average earning assets | $130,551,670 | 3,545 |
| Average equity | $22,688,670 | 2,868 |
| Average total loans | $87,316,330 | 3,575 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 3,582 |
| Cost of funding earning assets | 0.7441% | 1,216 |
| Net interest margin | 3.2640% | 4,282 |
| Noninterest income to average assets | 0.2704% | 4,360 |
| Noninterest expense to average assets | 1.7296% | 5,219 |
| Loan and lease loss provision to assets | 0.0297% | 3,121 |
| Net operating income to assets | 1.3916% | 1,366 |
| Return on assets (ROA) | 1.3967% | 1,358 |
| Pretax return on assets | 1.6196% | 1,337 |
| Return on Equity (ROE) | 8.3415% | 3,226 |
| Retained earnings to average equity (ytd only) | 8.3415% | 1,716 |
| Net charge-offs to loans | -0.0094% | 4,219 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2775% | 5,009 |
| Assets per employee ($millions) | 7.6052% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,783 |
| Loan loss allowance to noncurrent loans | 30.3462% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.1520% | 497 |
| Noncurrent loans to loans | 3.3933% | 314 |
| Net loans and leases to total assets | 62.7675% | 3,449 |
| Net loans and leases to deposits | 76.0223% | 3,210 |
| Net loans and leases to core deposits | 78.7963% | 3,426 |
| Total domestic deposits to total assets | 82.5646% | 3,797 |
| Equity capital to assets | 16.5456% | 432 |
| Core capital (leverage) ratio | 17.0812% | 377 |
| Tier 1 risk-based capital ratio | 24.2855% | 816 |
| Total risk-based capital ratio | 25.2350% | 821 |
| Memoranda: | ||
| Average total assets | $134,600,000 | 3,672 |
| Average earning assets | $127,939,500 | 3,618 |
| Average equity | $22,538,000 | 2,908 |
| Average total loans | $85,315,500 | 3,644 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 3,833 |
| Cost of funding earning assets | 0.7352% | 869 |
| Net interest margin | 3.1330% | 4,620 |
| Noninterest income to average assets | 0.2969% | 4,323 |
| Noninterest expense to average assets | 1.7442% | 5,288 |
| Loan and lease loss provision to assets | 0.0156% | 3,979 |
| Net operating income to assets | 1.0417% | 2,086 |
| Return on assets (ROA) | 1.0306% | 2,154 |
| Pretax return on assets | 1.5172% | 1,569 |
| Return on Equity (ROE) | 6.2284% | 3,660 |
| Retained earnings to average equity (ytd only) | 3.8495% | 2,908 |
| Net charge-offs to loans | 0.0338% | 3,114 |
| Credit loss provision to net charge-offs | 77.7778% | 2,978 |
| Earnings coverage of net charge-offs (x) | 77.1111% | 795 |
| Efficiency ratio | 52.9598% | 5,039 |
| Assets per employee ($millions) | 7.3503% | 828 |
| Cash dividends to net income (ytd only)* | 38.1949% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,604 |
| Loan loss allowance to noncurrent loans | 35.7925% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.8646% | 640 |
| Noncurrent loans to loans | 2.9435% | 385 |
| Net loans and leases to total assets | 62.6797% | 3,529 |
| Net loans and leases to deposits | 76.3471% | 3,294 |
| Net loans and leases to core deposits | 78.7902% | 3,523 |
| Total domestic deposits to total assets | 82.0983% | 3,847 |
| Equity capital to assets | 16.9501% | 404 |
| Core capital (leverage) ratio | 16.7877% | 382 |
| Tier 1 risk-based capital ratio | 23.9295% | 820 |
| Total risk-based capital ratio | 24.8729% | 835 |
| Memoranda: | ||
| Average total assets | $134,390,000 | 3,687 |
| Average earning assets | $128,534,800 | 3,601 |
| Average equity | $22,236,800 | 2,931 |
| Average total loans | $79,865,000 | 3,750 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 3,934 |
| Cost of funding earning assets | 0.7262% | 861 |
| Net interest margin | 3.0952% | 4,727 |
| Noninterest income to average assets | 0.2886% | 4,463 |
| Noninterest expense to average assets | 1.6989% | 5,366 |
| Loan and lease loss provision to assets | 0.0059% | 4,004 |
| Net operating income to assets | 1.1953% | 1,710 |
| Return on assets (ROA) | 1.2067% | 1,699 |
| Pretax return on assets | 1.5724% | 1,506 |
| Return on Equity (ROE) | 7.3366% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.9280% | 1,730 |
| Net charge-offs to loans | 0.0085% | 3,427 |
| Credit loss provision to net charge-offs | 120.0000% | 2,006 |
| Earnings coverage of net charge-offs (x) | 316.2339% | 291 |
| Efficiency ratio | 52.0751% | 5,095 |
| Assets per employee ($millions) | 7.4636% | 775 |
| Cash dividends to net income (ytd only)* | 5.5689% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,521 |
| Loan loss allowance to noncurrent loans | 124.5098% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 2,933 |
| Noncurrent loans to loans | 0.8782% | 2,178 |
| Net loans and leases to total assets | 59.8534% | 3,881 |
| Net loans and leases to deposits | 72.9779% | 3,670 |
| Net loans and leases to core deposits | 74.9185% | 3,894 |
| Total domestic deposits to total assets | 82.0157% | 3,775 |
| Equity capital to assets | 17.0070% | 426 |
| Core capital (leverage) ratio | 16.9253% | 391 |
| Tier 1 risk-based capital ratio | 25.1415% | 735 |
| Total risk-based capital ratio | 26.1261% | 752 |
| Memoranda: | ||
| Average total assets | $134,911,000 | 3,714 |
| Average earning assets | $129,616,750 | 3,629 |
| Average equity | $22,189,500 | 2,955 |
| Average total loans | $78,878,250 | 3,801 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 3,961 |
| Cost of funding earning assets | 0.7209% | 796 |
| Net interest margin | 3.0593% | 4,773 |
| Noninterest income to average assets | 0.2546% | 4,710 |
| Noninterest expense to average assets | 1.7454% | 5,372 |
| Loan and lease loss provision to assets | 0.0089% | 3,750 |
| Net operating income to assets | 1.0890% | 2,030 |
| Return on assets (ROA) | 1.1014% | 2,018 |
| Pretax return on assets | 1.4567% | 1,806 |
| Return on Equity (ROE) | 6.7729% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.1538% | 2,035 |
| Net charge-offs to loans | 0.0102% | 3,099 |
| Credit loss provision to net charge-offs | 150.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 244.7500% | 347 |
| Efficiency ratio | 54.6339% | 4,958 |
| Assets per employee ($millions) | 7.1337% | 876 |
| Cash dividends to net income (ytd only)* | 9.1398% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,472 |
| Loan loss allowance to noncurrent loans | 118.6667% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 2,917 |
| Noncurrent loans to loans | 0.9423% | 2,081 |
| Net loans and leases to total assets | 58.0633% | 4,025 |
| Net loans and leases to deposits | 70.4513% | 3,876 |
| Net loans and leases to core deposits | 72.2918% | 4,073 |
| Total domestic deposits to total assets | 82.4163% | 3,763 |
| Equity capital to assets | 16.5449% | 464 |
| Core capital (leverage) ratio | 16.4739% | 420 |
| Tier 1 risk-based capital ratio | 24.6763% | 790 |
| Total risk-based capital ratio | 25.6646% | 790 |
| Memoranda: | ||
| Average total assets | $135,099,670 | 3,737 |
| Average earning assets | $129,833,000 | 3,643 |
| Average equity | $21,970,000 | 2,974 |
| Average total loans | $78,071,330 | 3,836 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7720% | 3,862 |
| Cost of funding earning assets | 0.7192% | 766 |
| Net interest margin | 3.0528% | 4,783 |
| Noninterest income to average assets | 0.2669% | 4,636 |
| Noninterest expense to average assets | 1.8090% | 5,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0432% | 2,105 |
| Return on assets (ROA) | 1.0676% | 2,041 |
| Pretax return on assets | 1.4235% | 1,798 |
| Return on Equity (ROE) | 6.6230% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.6230% | 2,016 |
| Net charge-offs to loans | 0.0362% | 2,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 740 |
| Efficiency ratio | 56.5338% | 4,884 |
| Assets per employee ($millions) | 6.8148% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,461 |
| Loan loss allowance to noncurrent loans | 1,074.3902% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 5,043 |
| Noncurrent loans to loans | 0.1063% | 4,762 |
| Net loans and leases to total assets | 55.9742% | 4,170 |
| Net loans and leases to deposits | 67.4989% | 4,041 |
| Net loans and leases to core deposits | 69.2519% | 4,202 |
| Total domestic deposits to total assets | 82.9260% | 3,869 |
| Equity capital to assets | 16.0982% | 477 |
| Core capital (leverage) ratio | 16.2957% | 427 |
| Tier 1 risk-based capital ratio | 25.0968% | 762 |
| Total risk-based capital ratio | 26.1061% | 772 |
| Memoranda: | ||
| Average total assets | $134,879,500 | 3,772 |
| Average earning assets | $129,588,000 | 3,680 |
| Average equity | $21,742,500 | 3,006 |
| Average total loans | $77,312,500 | 3,874 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8804% | 3,645 |
| Cost of funding earning assets | 0.7654% | 596 |
| Net interest margin | 3.1149% | 4,691 |
| Noninterest income to average assets | 0.2895% | 4,667 |
| Noninterest expense to average assets | 1.7415% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1674% | 1,618 |
| Return on assets (ROA) | 1.1812% | 1,665 |
| Pretax return on assets | 1.5373% | 1,468 |
| Return on Equity (ROE) | 7.3233% | 3,305 |
| Retained earnings to average equity (ytd only) | 4.8884% | 2,417 |
| Net charge-offs to loans | 0.0181% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 145.0714% | 439 |
| Efficiency ratio | 53.4067% | 5,290 |
| Assets per employee ($millions) | 7.4147% | 760 |
| Cash dividends to net income (ytd only)* | 33.2489% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 3,451 |
| Loan loss allowance to noncurrent loans | 188.1356% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 3,869 |
| Noncurrent loans to loans | 0.6094% | 3,023 |
| Net loans and leases to total assets | 57.3683% | 4,131 |
| Net loans and leases to deposits | 69.1878% | 3,986 |
| Net loans and leases to core deposits | 71.0168% | 4,148 |
| Total domestic deposits to total assets | 82.9167% | 3,793 |
| Equity capital to assets | 16.1422% | 481 |
| Core capital (leverage) ratio | 15.9276% | 471 |
| Tier 1 risk-based capital ratio | 24.8604% | 781 |
| Total risk-based capital ratio | 25.8850% | 788 |
| Memoranda: | ||
| Average total assets | $133,679,000 | 3,773 |
| Average earning assets | $127,514,200 | 3,695 |
| Average equity | $21,561,200 | 3,015 |
| Average total loans | $77,148,600 | 3,874 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 3,640 |
| Cost of funding earning assets | 0.7663% | 593 |
| Net interest margin | 3.1176% | 4,725 |
| Noninterest income to average assets | 0.3260% | 4,447 |
| Noninterest expense to average assets | 1.7687% | 5,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1920% | 1,660 |
| Return on assets (ROA) | 1.2084% | 1,713 |
| Pretax return on assets | 1.5473% | 1,549 |
| Return on Equity (ROE) | 7.4933% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.0729% | 1,586 |
| Net charge-offs to loans | 0.0208% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 127.5800% | 537 |
| Efficiency ratio | 53.6762% | 5,262 |
| Assets per employee ($millions) | 7.5593% | 701 |
| Cash dividends to net income (ytd only)* | 5.6103% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,659 |
| Loan loss allowance to noncurrent loans | 559.7484% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 4,482 |
| Noncurrent loans to loans | 0.2025% | 4,544 |
| Net loans and leases to total assets | 57.0616% | 4,190 |
| Net loans and leases to deposits | 68.9655% | 4,065 |
| Net loans and leases to core deposits | 70.9202% | 4,255 |
| Total domestic deposits to total assets | 82.7394% | 3,690 |
| Equity capital to assets | 16.2618% | 515 |
| Core capital (leverage) ratio | 15.8034% | 513 |
| Tier 1 risk-based capital ratio | 24.9752% | 816 |
| Total risk-based capital ratio | 26.0025% | 825 |
| Memoranda: | ||
| Average total assets | $133,732,750 | 3,794 |
| Average earning assets | $127,360,500 | 3,711 |
| Average equity | $21,565,500 | 3,041 |
| Average total loans | $77,072,250 | 3,902 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 3,613 |
| Cost of funding earning assets | 0.7665% | 580 |
| Net interest margin | 3.1325% | 4,743 |
| Noninterest income to average assets | 0.3174% | 4,510 |
| Noninterest expense to average assets | 1.6743% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2585% | 1,396 |
| Return on assets (ROA) | 1.2831% | 1,430 |
| Pretax return on assets | 1.6442% | 1,239 |
| Return on Equity (ROE) | 7.9800% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.3439% | 1,454 |
| Net charge-offs to loans | 0.0209% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 443 |
| Efficiency ratio | 50.9382% | 5,506 |
| Assets per employee ($millions) | 8.0387% | 552 |
| Cash dividends to net income (ytd only)* | 7.9719% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,644 |
| Loan loss allowance to noncurrent loans | 982.4176% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 4,734 |
| Noncurrent loans to loans | 0.1171% | 4,978 |
| Net loans and leases to total assets | 56.2155% | 4,283 |
| Net loans and leases to deposits | 67.6855% | 4,209 |
| Net loans and leases to core deposits | 68.9571% | 4,403 |
| Total domestic deposits to total assets | 83.0540% | 3,630 |
| Equity capital to assets | 16.0298% | 540 |
| Core capital (leverage) ratio | 15.6679% | 502 |
| Tier 1 risk-based capital ratio | 24.3135% | 874 |
| Total risk-based capital ratio | 25.3351% | 880 |
| Memoranda: | ||
| Average total assets | $132,954,670 | 3,826 |
| Average earning assets | $126,034,000 | 3,760 |
| Average equity | $21,378,330 | 3,064 |
| Average total loans | $76,585,670 | 3,934 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,304 |
| Cost of funding earning assets | 0.7804% | 542 |
| Net interest margin | 3.1965% | 4,594 |
| Noninterest income to average assets | 0.2929% | 4,626 |
| Noninterest expense to average assets | 1.6720% | 5,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2973% | 1,262 |
| Return on assets (ROA) | 1.3486% | 1,210 |
| Pretax return on assets | 1.6842% | 1,106 |
| Return on Equity (ROE) | 8.3734% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.3734% | 1,311 |
| Net charge-offs to loans | 0.0263% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 106.2000% | 521 |
| Efficiency ratio | 50.7878% | 5,580 |
| Assets per employee ($millions) | 7.8247% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 3,611 |
| Loan loss allowance to noncurrent loans | 935.4167% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,769 |
| Noncurrent loans to loans | 0.1260% | 4,970 |
| Net loans and leases to total assets | 56.5892% | 4,186 |
| Net loans and leases to deposits | 68.2036% | 4,038 |
| Net loans and leases to core deposits | 70.4295% | 4,212 |
| Total domestic deposits to total assets | 82.9710% | 3,908 |
| Equity capital to assets | 16.0893% | 522 |
| Core capital (leverage) ratio | 15.9515% | 475 |
| Tier 1 risk-based capital ratio | 24.5089% | 864 |
| Total risk-based capital ratio | 25.5602% | 870 |
| Memoranda: | ||
| Average total assets | $131,103,000 | 3,894 |
| Average earning assets | $123,008,000 | 3,848 |
| Average equity | $21,114,500 | 3,092 |
| Average total loans | $76,020,000 | 3,965 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 3,225 |
| Cost of funding earning assets | 0.7967% | 495 |
| Net interest margin | 3.2255% | 4,542 |
| Noninterest income to average assets | 0.2490% | 5,102 |
| Noninterest expense to average assets | 1.6849% | 5,858 |
| Loan and lease loss provision to assets | 0.0380% | 3,582 |
| Net operating income to assets | 1.2412% | 1,413 |
| Return on assets (ROA) | 1.2691% | 1,393 |
| Pretax return on assets | 1.6011% | 1,243 |
| Return on Equity (ROE) | 7.9946% | 2,962 |
| Retained earnings to average equity (ytd only) | 5.4291% | 2,116 |
| Net charge-offs to loans | 0.0572% | 3,077 |
| Credit loss provision to net charge-offs | 119.5122% | 2,155 |
| Earnings coverage of net charge-offs (x) | 50.4390% | 996 |
| Efficiency ratio | 51.2264% | 5,684 |
| Assets per employee ($millions) | 7.1770% | 828 |
| Cash dividends to net income (ytd only)* | 32.0905% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 3,546 |
| Loan loss allowance to noncurrent loans | 820.0000% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 4,747 |
| Noncurrent loans to loans | 0.1450% | 4,913 |
| Net loans and leases to total assets | 58.0287% | 4,088 |
| Net loans and leases to deposits | 70.1420% | 3,910 |
| Net loans and leases to core deposits | 72.7230% | 4,068 |
| Total domestic deposits to total assets | 82.7303% | 3,935 |
| Equity capital to assets | 16.1217% | 506 |
| Core capital (leverage) ratio | 15.7817% | 490 |
| Tier 1 risk-based capital ratio | 24.4109% | 873 |
| Total risk-based capital ratio | 25.4854% | 879 |
| Memoranda: | ||
| Average total assets | $128,911,000 | 3,908 |
| Average earning assets | $121,501,000 | 3,850 |
| Average equity | $20,463,800 | 3,127 |
| Average total loans | $71,681,800 | 4,051 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,291 |
| Cost of funding earning assets | 0.7981% | 503 |
| Net interest margin | 3.2145% | 4,629 |
| Noninterest income to average assets | 0.3073% | 4,739 |
| Noninterest expense to average assets | 1.7199% | 5,881 |
| Loan and lease loss provision to assets | 0.0766% | 2,659 |
| Net operating income to assets | 1.1713% | 1,746 |
| Return on assets (ROA) | 1.1859% | 1,758 |
| Pretax return on assets | 1.5595% | 1,506 |
| Return on Equity (ROE) | 7.4999% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.0549% | 1,662 |
| Net charge-offs to loans | 0.0698% | 2,564 |
| Credit loss provision to net charge-offs | 200.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 42.2451% | 1,185 |
| Efficiency ratio | 51.5349% | 5,679 |
| Assets per employee ($millions) | 7.1464% | 811 |
| Cash dividends to net income (ytd only)* | 5.9334% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 3,238 |
| Loan loss allowance to noncurrent loans | 803.4483% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 4,656 |
| Noncurrent loans to loans | 0.1586% | 5,011 |
| Net loans and leases to total assets | 56.1511% | 4,339 |
| Net loans and leases to deposits | 68.0523% | 4,187 |
| Net loans and leases to core deposits | 70.5633% | 4,316 |
| Total domestic deposits to total assets | 82.5118% | 3,984 |
| Equity capital to assets | 16.2351% | 530 |
| Core capital (leverage) ratio | 15.8226% | 514 |
| Tier 1 risk-based capital ratio | 24.2296% | 927 |
| Total risk-based capital ratio | 25.3334% | 927 |
| Memoranda: | ||
| Average total assets | $128,842,250 | 3,951 |
| Average earning assets | $121,446,500 | 3,893 |
| Average equity | $20,373,000 | 3,165 |
| Average total loans | $70,635,500 | 4,118 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 3,139 |
| Cost of funding earning assets | 0.8012% | 497 |
| Net interest margin | 3.2346% | 4,548 |
| Noninterest income to average assets | 0.2994% | 4,815 |
| Noninterest expense to average assets | 1.6647% | 6,001 |
| Loan and lease loss provision to assets | 0.0590% | 2,922 |
| Net operating income to assets | 1.2223% | 1,535 |
| Return on assets (ROA) | 1.2443% | 1,541 |
| Pretax return on assets | 1.6414% | 1,215 |
| Return on Equity (ROE) | 7.9395% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.2664% | 1,584 |
| Net charge-offs to loans | 0.1003% | 2,006 |
| Credit loss provision to net charge-offs | 108.5714% | 1,941 |
| Earnings coverage of net charge-offs (x) | 30.8000% | 1,344 |
| Efficiency ratio | 49.8838% | 5,859 |
| Assets per employee ($millions) | 7.1503% | 782 |
| Cash dividends to net income (ytd only)* | 8.4788% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 3,359 |
| Loan loss allowance to noncurrent loans | 985.7143% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,831 |
| Noncurrent loans to loans | 0.1296% | 5,233 |
| Net loans and leases to total assets | 53.8720% | 4,571 |
| Net loans and leases to deposits | 64.8527% | 4,455 |
| Net loans and leases to core deposits | 67.2180% | 4,557 |
| Total domestic deposits to total assets | 83.0683% | 3,922 |
| Equity capital to assets | 15.8308% | 545 |
| Core capital (leverage) ratio | 15.7263% | 509 |
| Tier 1 risk-based capital ratio | 25.2622% | 837 |
| Total risk-based capital ratio | 26.3888% | 835 |
| Memoranda: | ||
| Average total assets | $128,911,330 | 3,983 |
| Average earning assets | $121,067,000 | 3,928 |
| Average equity | $20,202,670 | 3,199 |
| Average total loans | $69,793,330 | 4,166 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0606% | 2,993 |
| Cost of funding earning assets | 0.8042% | 487 |
| Net interest margin | 3.2564% | 4,395 |
| Noninterest income to average assets | 0.2604% | 5,095 |
| Noninterest expense to average assets | 1.6432% | 6,067 |
| Loan and lease loss provision to assets | 0.0279% | 3,324 |
| Net operating income to assets | 1.2774% | 1,344 |
| Return on assets (ROA) | 1.2805% | 1,418 |
| Pretax return on assets | 1.6556% | 1,145 |
| Return on Equity (ROE) | 8.2122% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.2122% | 1,486 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4403% | 5,952 |
| Assets per employee ($millions) | 7.2343% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 3,451 |
| Loan loss allowance to noncurrent loans | 792.1053% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 4,854 |
| Noncurrent loans to loans | 0.1630% | 5,187 |
| Net loans and leases to total assets | 53.0288% | 4,553 |
| Net loans and leases to deposits | 63.8098% | 4,390 |
| Net loans and leases to core deposits | 66.0978% | 4,509 |
| Total domestic deposits to total assets | 83.1045% | 4,149 |
| Equity capital to assets | 15.6676% | 594 |
| Core capital (leverage) ratio | 15.2988% | 567 |
| Tier 1 risk-based capital ratio | 24.8005% | 908 |
| Total risk-based capital ratio | 25.9319% | 898 |
| Memoranda: | ||
| Average total assets | $129,014,500 | 4,009 |
| Average earning assets | $121,361,500 | 3,947 |
| Average equity | $20,116,500 | 3,228 |
| Average total loans | $69,573,500 | 4,189 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 3,836 |
| Cost of funding earning assets | 0.8361% | 550 |
| Net interest margin | 3.1346% | 5,111 |
| Noninterest income to average assets | 0.3056% | 4,925 |
| Noninterest expense to average assets | 1.6707% | 6,187 |
| Loan and lease loss provision to assets | 0.0431% | 3,704 |
| Net operating income to assets | 1.2517% | 1,427 |
| Return on assets (ROA) | 1.2671% | 1,436 |
| Pretax return on assets | 1.5641% | 1,339 |
| Return on Equity (ROE) | 8.4626% | 2,865 |
| Retained earnings to average equity (ytd only) | 5.7935% | 2,071 |
| Net charge-offs to loans | 0.1272% | 2,755 |
| Credit loss provision to net charge-offs | 63.9535% | 3,208 |
| Earnings coverage of net charge-offs (x) | 23.5581% | 1,576 |
| Efficiency ratio | 51.2747% | 6,028 |
| Assets per employee ($millions) | 7.1006% | 801 |
| Cash dividends to net income (ytd only)* | 31.5399% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 3,467 |
| Loan loss allowance to noncurrent loans | 485.8696% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 4,716 |
| Noncurrent loans to loans | 0.2659% | 4,889 |
| Net loans and leases to total assets | 53.4359% | 4,646 |
| Net loans and leases to deposits | 64.1389% | 4,513 |
| Net loans and leases to core deposits | 66.6924% | 4,621 |
| Total domestic deposits to total assets | 83.3129% | 3,975 |
| Equity capital to assets | 15.5159% | 602 |
| Core capital (leverage) ratio | 14.9724% | 616 |
| Tier 1 risk-based capital ratio | 25.9695% | 765 |
| Total risk-based capital ratio | 27.1675% | 752 |
| Memoranda: | ||
| Average total assets | $127,610,400 | 4,024 |
| Average earning assets | $120,205,200 | 3,960 |
| Average equity | $19,107,600 | 3,273 |
| Average total loans | $67,628,200 | 4,245 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9585% | 3,936 |
| Cost of funding earning assets | 0.8372% | 571 |
| Net interest margin | 3.1213% | 5,195 |
| Noninterest income to average assets | 0.2937% | 5,095 |
| Noninterest expense to average assets | 1.7131% | 6,199 |
| Loan and lease loss provision to assets | 0.0470% | 3,439 |
| Net operating income to assets | 1.1400% | 1,900 |
| Return on assets (ROA) | 1.1487% | 1,927 |
| Pretax return on assets | 1.4884% | 1,681 |
| Return on Equity (ROE) | 7.7420% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.2629% | 1,690 |
| Net charge-offs to loans | 0.0258% | 3,986 |
| Credit loss provision to net charge-offs | 346.1538% | 811 |
| Earnings coverage of net charge-offs (x) | 112.0958% | 532 |
| Efficiency ratio | 52.9393% | 5,927 |
| Assets per employee ($millions) | 7.1654% | 749 |
| Cash dividends to net income (ytd only)* | 6.1871% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 3,167 |
| Loan loss allowance to noncurrent loans | 226.2411% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 4,958 |
| Noncurrent loans to loans | 0.6196% | 4,069 |
| Net loans and leases to total assets | 52.1915% | 4,784 |
| Net loans and leases to deposits | 62.8208% | 4,662 |
| Net loans and leases to core deposits | 65.0217% | 4,798 |
| Total domestic deposits to total assets | 83.0799% | 4,115 |
| Equity capital to assets | 15.2818% | 676 |
| Core capital (leverage) ratio | 14.9823% | 622 |
| Tier 1 risk-based capital ratio | 26.1226% | 775 |
| Total risk-based capital ratio | 27.3730% | 755 |
| Memoranda: | ||
| Average total assets | $127,560,250 | 4,054 |
| Average earning assets | $120,245,000 | 3,982 |
| Average equity | $18,926,750 | 3,312 |
| Average total loans | $67,237,500 | 4,302 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 3,912 |
| Cost of funding earning assets | 0.8335% | 602 |
| Net interest margin | 3.1224% | 5,181 |
| Noninterest income to average assets | 0.2864% | 5,133 |
| Noninterest expense to average assets | 1.7327% | 6,237 |
| Loan and lease loss provision to assets | 0.0472% | 3,364 |
| Net operating income to assets | 1.1325% | 1,809 |
| Return on assets (ROA) | 1.1205% | 1,933 |
| Pretax return on assets | 1.4431% | 1,739 |
| Return on Equity (ROE) | 7.6290% | 3,306 |
| Retained earnings to average equity (ytd only) | 6.9004% | 1,814 |
| Net charge-offs to loans | 0.0359% | 3,498 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 666 |
| Efficiency ratio | 53.5766% | 5,946 |
| Assets per employee ($millions) | 7.1529% | 746 |
| Cash dividends to net income (ytd only)* | 9.5506% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 3,314 |
| Loan loss allowance to noncurrent loans | 233.0864% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 5,115 |
| Noncurrent loans to loans | 0.6036% | 4,216 |
| Net loans and leases to total assets | 51.3825% | 4,809 |
| Net loans and leases to deposits | 61.6914% | 4,721 |
| Net loans and leases to core deposits | 63.8424% | 4,830 |
| Total domestic deposits to total assets | 83.2896% | 4,193 |
| Equity capital to assets | 15.0312% | 692 |
| Core capital (leverage) ratio | 14.8023% | 635 |
| Tier 1 risk-based capital ratio | 26.0486% | 771 |
| Total risk-based capital ratio | 27.2990% | 754 |
| Memoranda: | ||
| Average total assets | $127,088,000 | 4,093 |
| Average earning assets | $119,970,000 | 4,007 |
| Average equity | $18,665,670 | 3,330 |
| Average total loans | $66,892,670 | 4,329 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,734 |
| Cost of funding earning assets | 0.8328% | 634 |
| Net interest margin | 3.1567% | 5,061 |
| Noninterest income to average assets | 0.2376% | 5,459 |
| Noninterest expense to average assets | 1.6950% | 6,353 |
| Loan and lease loss provision to assets | 0.0475% | 3,141 |
| Net operating income to assets | 1.1735% | 1,556 |
| Return on assets (ROA) | 1.1437% | 1,719 |
| Pretax return on assets | 1.4447% | 1,595 |
| Return on Equity (ROE) | 7.8812% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.8812% | 1,641 |
| Net charge-offs to loans | 0.0120% | 3,368 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 207 |
| Efficiency ratio | 52.7094% | 6,099 |
| Assets per employee ($millions) | 7.1248% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 3,569 |
| Loan loss allowance to noncurrent loans | 258.6777% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 5,314 |
| Noncurrent loans to loans | 0.5438% | 4,538 |
| Net loans and leases to total assets | 51.3139% | 4,749 |
| Net loans and leases to deposits | 61.2219% | 4,638 |
| Net loans and leases to core deposits | 63.3433% | 4,744 |
| Total domestic deposits to total assets | 83.8163% | 4,337 |
| Equity capital to assets | 14.6125% | 760 |
| Core capital (leverage) ratio | 14.8585% | 617 |
| Tier 1 risk-based capital ratio | 25.7156% | 813 |
| Total risk-based capital ratio | 26.9660% | 792 |
| Memoranda: | ||
| Average total assets | $126,256,000 | 4,135 |
| Average earning assets | $119,113,000 | 4,061 |
| Average equity | $18,322,000 | 3,380 |
| Average total loans | $66,789,000 | 4,365 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,737 |
| Cost of funding earning assets | 0.9485% | 581 |
| Net interest margin | 3.1505% | 5,161 |
| Noninterest income to average assets | 0.3775% | 4,607 |
| Noninterest expense to average assets | 1.7302% | 6,413 |
| Loan and lease loss provision to assets | 0.0715% | 3,686 |
| Net operating income to assets | 1.2139% | 1,515 |
| Return on assets (ROA) | 1.2756% | 1,369 |
| Pretax return on assets | 1.5911% | 1,191 |
| Return on Equity (ROE) | 8.8169% | 2,632 |
| Retained earnings to average equity (ytd only) | 6.1471% | 1,886 |
| Net charge-offs to loans | 0.0234% | 4,959 |
| Credit loss provision to net charge-offs | 600.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 350 |
| Efficiency ratio | 52.1812% | 6,281 |
| Assets per employee ($millions) | 6.9037% | 804 |
| Cash dividends to net income (ytd only)* | 30.2804% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 3,725 |
| Loan loss allowance to noncurrent loans | 244.0633% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 5,349 |
| Noncurrent loans to loans | 0.5671% | 4,570 |
| Net loans and leases to total assets | 53.0362% | 4,720 |
| Net loans and leases to deposits | 62.7425% | 4,645 |
| Net loans and leases to core deposits | 64.9602% | 4,782 |
| Total domestic deposits to total assets | 84.5300% | 3,951 |
| Equity capital to assets | 14.4078% | 801 |
| Core capital (leverage) ratio | 14.5505% | 679 |
| Tier 1 risk-based capital ratio | 25.4687% | 815 |
| Total risk-based capital ratio | 26.7189% | 802 |
| Memoranda: | ||
| Average total assets | $125,826,000 | 4,144 |
| Average earning assets | $117,345,600 | 4,099 |
| Average equity | $18,203,600 | 3,388 |
| Average total loans | $64,011,200 | 4,484 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 3,767 |
| Cost of funding earning assets | 0.9759% | 561 |
| Net interest margin | 3.1220% | 5,258 |
| Noninterest income to average assets | 0.3940% | 4,573 |
| Noninterest expense to average assets | 1.7588% | 6,403 |
| Loan and lease loss provision to assets | 0.0739% | 3,577 |
| Net operating income to assets | 1.1292% | 1,889 |
| Return on assets (ROA) | 1.1821% | 1,763 |
| Pretax return on assets | 1.5328% | 1,514 |
| Return on Equity (ROE) | 8.1624% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.6664% | 1,561 |
| Net charge-offs to loans | 0.0400% | 4,345 |
| Credit loss provision to net charge-offs | 368.4211% | 715 |
| Earnings coverage of net charge-offs (x) | 76.6396% | 615 |
| Efficiency ratio | 53.3483% | 6,157 |
| Assets per employee ($millions) | 7.0228% | 738 |
| Cash dividends to net income (ytd only)* | 6.0766% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 4,018 |
| Loan loss allowance to noncurrent loans | 90.9183% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 4,144 |
| Noncurrent loans to loans | 1.5088% | 2,906 |
| Net loans and leases to total assets | 51.2447% | 4,977 |
| Net loans and leases to deposits | 61.0087% | 4,865 |
| Net loans and leases to core deposits | 63.3226% | 4,973 |
| Total domestic deposits to total assets | 83.9959% | 4,184 |
| Equity capital to assets | 14.4101% | 849 |
| Core capital (leverage) ratio | 14.4490% | 748 |
| Tier 1 risk-based capital ratio | 25.8242% | 800 |
| Total risk-based capital ratio | 27.0740% | 788 |
| Memoranda: | ||
| Average total assets | $126,216,000 | 4,188 |
| Average earning assets | $117,356,250 | 4,141 |
| Average equity | $18,278,500 | 3,409 |
| Average total loans | $63,306,250 | 4,546 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1110% | 3,696 |
| Cost of funding earning assets | 1.0055% | 531 |
| Net interest margin | 3.1055% | 5,259 |
| Noninterest income to average assets | 0.4138% | 4,418 |
| Noninterest expense to average assets | 1.7772% | 6,410 |
| Loan and lease loss provision to assets | 0.0793% | 3,474 |
| Net operating income to assets | 1.1116% | 1,887 |
| Return on assets (ROA) | 1.1542% | 1,842 |
| Pretax return on assets | 1.4871% | 1,659 |
| Return on Equity (ROE) | 7.9566% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.2134% | 1,784 |
| Net charge-offs to loans | 0.1344% | 3,030 |
| Credit loss provision to net charge-offs | 119.0476% | 1,870 |
| Earnings coverage of net charge-offs (x) | 22.6905% | 1,358 |
| Efficiency ratio | 54.0501% | 6,143 |
| Assets per employee ($millions) | 6.9916% | 724 |
| Cash dividends to net income (ytd only)* | 9.3407% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 4,224 |
| Loan loss allowance to noncurrent loans | 66.9003% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 3,714 |
| Noncurrent loans to loans | 2.0299% | 2,367 |
| Net loans and leases to total assets | 49.5793% | 5,151 |
| Net loans and leases to deposits | 58.8677% | 5,084 |
| Net loans and leases to core deposits | 61.0943% | 5,168 |
| Total domestic deposits to total assets | 84.2216% | 4,229 |
| Equity capital to assets | 14.2123% | 902 |
| Core capital (leverage) ratio | 14.0462% | 811 |
| Tier 1 risk-based capital ratio | 25.8287% | 793 |
| Total risk-based capital ratio | 27.0742% | 770 |
| Memoranda: | ||
| Average total assets | $126,151,000 | 4,219 |
| Average earning assets | $116,760,670 | 4,182 |
| Average equity | $18,299,330 | 3,423 |
| Average total loans | $62,515,000 | 4,585 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 3,559 |
| Cost of funding earning assets | 1.0308% | 519 |
| Net interest margin | 3.1094% | 5,226 |
| Noninterest income to average assets | 0.3864% | 4,570 |
| Noninterest expense to average assets | 1.7450% | 6,506 |
| Loan and lease loss provision to assets | 0.0950% | 3,081 |
| Net operating income to assets | 1.0998% | 1,855 |
| Return on assets (ROA) | 1.1876% | 1,673 |
| Pretax return on assets | 1.5360% | 1,466 |
| Return on Equity (ROE) | 8.1055% | 2,920 |
| Retained earnings to average equity (ytd only) | 8.1055% | 1,716 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4951% | 6,262 |
| Assets per employee ($millions) | 7.0655% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 4,092 |
| Loan loss allowance to noncurrent loans | 52.1919% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.3273% | 3,303 |
| Noncurrent loans to loans | 2.7390% | 1,858 |
| Net loans and leases to total assets | 47.7650% | 5,250 |
| Net loans and leases to deposits | 57.3355% | 5,103 |
| Net loans and leases to core deposits | 59.2943% | 5,216 |
| Total domestic deposits to total assets | 83.3078% | 4,757 |
| Equity capital to assets | 14.6211% | 845 |
| Core capital (leverage) ratio | 13.9577% | 807 |
| Tier 1 risk-based capital ratio | 25.9386% | 787 |
| Total risk-based capital ratio | 27.1890% | 778 |
| Memoranda: | ||
| Average total assets | $126,302,000 | 4,256 |
| Average earning assets | $116,806,500 | 4,221 |
| Average equity | $18,506,000 | 3,449 |
| Average total loans | $62,145,500 | 4,627 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 3,955 |
| Cost of funding earning assets | 1.2094% | 551 |
| Net interest margin | 3.1574% | 5,670 |
| Noninterest income to average assets | 0.5117% | 3,822 |
| Noninterest expense to average assets | 1.6803% | 6,739 |
| Loan and lease loss provision to assets | 0.1543% | 3,683 |
| Net operating income to assets | 1.3010% | 1,296 |
| Return on assets (ROA) | 1.3173% | 1,393 |
| Pretax return on assets | 1.6170% | 1,339 |
| Return on Equity (ROE) | 9.0555% | 2,618 |
| Retained earnings to average equity (ytd only) | 6.3422% | 1,901 |
| Net charge-offs to loans | 0.2531% | 3,422 |
| Credit loss provision to net charge-offs | 121.0191% | 2,365 |
| Earnings coverage of net charge-offs (x) | 13.7325% | 1,793 |
| Efficiency ratio | 48.9704% | 6,651 |
| Assets per employee ($millions) | 6.9681% | 781 |
| Cash dividends to net income (ytd only)* | 29.9630% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 4,375 |
| Loan loss allowance to noncurrent loans | 49.9706% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.3562% | 3,368 |
| Noncurrent loans to loans | 2.7145% | 1,948 |
| Net loans and leases to total assets | 49.2828% | 5,268 |
| Net loans and leases to deposits | 59.5455% | 5,074 |
| Net loans and leases to core deposits | 61.4602% | 5,209 |
| Total domestic deposits to total assets | 82.7650% | 4,817 |
| Equity capital to assets | 14.6837% | 829 |
| Core capital (leverage) ratio | 13.5554% | 925 |
| Tier 1 risk-based capital ratio | 25.3683% | 814 |
| Total risk-based capital ratio | 26.6180% | 802 |
| Memoranda: | ||
| Average total assets | $123,130,000 | 4,287 |
| Average earning assets | $113,861,000 | 4,252 |
| Average equity | $17,911,800 | 3,484 |
| Average total loans | $62,024,000 | 4,634 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4313% | 3,919 |
| Cost of funding earning assets | 1.2328% | 596 |
| Net interest margin | 3.1985% | 5,708 |
| Noninterest income to average assets | 0.5146% | 3,830 |
| Noninterest expense to average assets | 1.6960% | 6,792 |
| Loan and lease loss provision to assets | 0.1197% | 4,054 |
| Net operating income to assets | 1.2397% | 1,605 |
| Return on assets (ROA) | 1.2598% | 1,707 |
| Pretax return on assets | 1.6830% | 1,316 |
| Return on Equity (ROE) | 8.6810% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.1713% | 1,546 |
| Net charge-offs to loans | 0.3190% | 2,848 |
| Credit loss provision to net charge-offs | 74.3243% | 3,787 |
| Earnings coverage of net charge-offs (x) | 11.0337% | 2,121 |
| Efficiency ratio | 48.8409% | 6,675 |
| Assets per employee ($millions) | 7.0757% | 717 |
| Cash dividends to net income (ytd only)* | 5.8719% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 4,990 |
| Loan loss allowance to noncurrent loans | 78.7664% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 4,664 |
| Noncurrent loans to loans | 1.6036% | 3,384 |
| Net loans and leases to total assets | 47.8122% | 5,569 |
| Net loans and leases to deposits | 58.7177% | 5,354 |
| Net loans and leases to core deposits | 60.5987% | 5,499 |
| Total domestic deposits to total assets | 81.4271% | 5,224 |
| Equity capital to assets | 14.5050% | 969 |
| Core capital (leverage) ratio | 13.7748% | 913 |
| Tier 1 risk-based capital ratio | 25.2543% | 886 |
| Total risk-based capital ratio | 26.4043% | 883 |
| Memoranda: | ||
| Average total assets | $122,556,250 | 4,337 |
| Average earning assets | $113,342,000 | 4,306 |
| Average equity | $17,785,500 | 3,533 |
| Average total loans | $61,864,250 | 4,688 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 3,744 |
| Cost of funding earning assets | 1.2608% | 618 |
| Net interest margin | 3.2449% | 5,608 |
| Noninterest income to average assets | 0.5142% | 3,827 |
| Noninterest expense to average assets | 1.7296% | 6,817 |
| Loan and lease loss provision to assets | 0.1323% | 3,871 |
| Net operating income to assets | 1.2418% | 1,579 |
| Return on assets (ROA) | 1.2666% | 1,692 |
| Pretax return on assets | 1.6899% | 1,286 |
| Return on Equity (ROE) | 8.7264% | 2,923 |
| Retained earnings to average equity (ytd only) | 7.9517% | 1,654 |
| Net charge-offs to loans | 0.4747% | 2,165 |
| Credit loss provision to net charge-offs | 54.4218% | 3,944 |
| Earnings coverage of net charge-offs (x) | 7.3605% | 2,493 |
| Efficiency ratio | 49.1541% | 6,695 |
| Assets per employee ($millions) | 6.8424% | 792 |
| Cash dividends to net income (ytd only)* | 8.8773% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 5,304 |
| Loan loss allowance to noncurrent loans | 41.8527% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 1.4956% | 3,461 |
| Noncurrent loans to loans | 2.8932% | 2,068 |
| Net loans and leases to total assets | 49.6813% | 5,393 |
| Net loans and leases to deposits | 59.4744% | 5,295 |
| Net loans and leases to core deposits | 61.3867% | 5,448 |
| Total domestic deposits to total assets | 83.5340% | 4,515 |
| Equity capital to assets | 14.5295% | 910 |
| Core capital (leverage) ratio | 13.7964% | 868 |
| Tier 1 risk-based capital ratio | 25.5277% | 852 |
| Total risk-based capital ratio | 26.6731% | 842 |
| Memoranda: | ||
| Average total assets | $120,954,000 | 4,398 |
| Average earning assets | $111,992,330 | 4,365 |
| Average equity | $17,556,000 | 3,563 |
| Average total loans | $61,927,670 | 4,713 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 3,760 |
| Cost of funding earning assets | 1.2871% | 664 |
| Net interest margin | 3.2517% | 5,623 |
| Noninterest income to average assets | 0.6708% | 2,810 |
| Noninterest expense to average assets | 1.7722% | 6,824 |
| Loan and lease loss provision to assets | 0.1335% | 3,686 |
| Net operating income to assets | 1.3166% | 1,414 |
| Return on assets (ROA) | 1.3784% | 1,408 |
| Pretax return on assets | 1.8757% | 926 |
| Return on Equity (ROE) | 9.5016% | 2,605 |
| Retained earnings to average equity (ytd only) | 9.5016% | 1,412 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9242% | 6,810 |
| Assets per employee ($millions) | 6.7237% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 4,647 |
| Loan loss allowance to noncurrent loans | 53.3250% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 3,826 |
| Noncurrent loans to loans | 2.6109% | 2,489 |
| Net loans and leases to total assets | 50.2111% | 5,276 |
| Net loans and leases to deposits | 59.8904% | 5,164 |
| Net loans and leases to core deposits | 61.6681% | 5,362 |
| Total domestic deposits to total assets | 83.8383% | 4,570 |
| Equity capital to assets | 14.4926% | 866 |
| Core capital (leverage) ratio | 13.8692% | 836 |
| Tier 1 risk-based capital ratio | 25.5017% | 854 |
| Total risk-based capital ratio | 26.7527% | 833 |
| Memoranda: | ||
| Average total assets | $119,849,500 | 4,454 |
| Average earning assets | $111,571,500 | 4,397 |
| Average equity | $17,386,500 | 3,595 |
| Average total loans | $61,922,000 | 4,737 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 4,014 |
| Cost of funding earning assets | 1.4204% | 953 |
| Net interest margin | 3.3331% | 5,715 |
| Noninterest income to average assets | 0.3371% | 5,118 |
| Noninterest expense to average assets | 1.8139% | 6,940 |
| Loan and lease loss provision to assets | 0.0732% | 5,696 |
| Net operating income to assets | 1.2626% | 1,341 |
| Return on assets (ROA) | 1.2973% | 1,362 |
| Pretax return on assets | 1.5926% | 1,221 |
| Return on Equity (ROE) | 9.4263% | 2,277 |
| Retained earnings to average equity (ytd only) | 6.7357% | 1,623 |
| Net charge-offs to loans | 0.0556% | 5,759 |
| Credit loss provision to net charge-offs | 252.9412% | 953 |
| Earnings coverage of net charge-offs (x) | 56.0882% | 507 |
| Efficiency ratio | 52.7737% | 6,638 |
| Assets per employee ($millions) | 6.5929% | 907 |
| Cash dividends to net income (ytd only)* | 28.5433% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,837 |
| Loan loss allowance to noncurrent loans | 113.7691% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 5,366 |
| Noncurrent loans to loans | 1.1556% | 4,438 |
| Net loans and leases to total assets | 51.7384% | 5,352 |
| Net loans and leases to deposits | 62.3739% | 5,190 |
| Net loans and leases to core deposits | 64.0801% | 5,457 |
| Total domestic deposits to total assets | 82.9488% | 4,770 |
| Equity capital to assets | 14.5215% | 890 |
| Core capital (leverage) ratio | 13.4056% | 1,004 |
| Tier 1 risk-based capital ratio | 24.9977% | 868 |
| Total risk-based capital ratio | 26.2478% | 863 |
| Memoranda: | ||
| Average total assets | $117,478,600 | 4,469 |
| Average earning assets | $109,267,800 | 4,414 |
| Average equity | $16,167,600 | 3,696 |
| Average total loans | $61,104,400 | 4,828 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 4,036 |
| Cost of funding earning assets | 1.4399% | 1,067 |
| Net interest margin | 3.3552% | 5,697 |
| Noninterest income to average assets | 0.3197% | 5,313 |
| Noninterest expense to average assets | 1.7966% | 7,003 |
| Loan and lease loss provision to assets | 0.0637% | 5,656 |
| Net operating income to assets | 1.2062% | 1,636 |
| Return on assets (ROA) | 1.2436% | 1,638 |
| Pretax return on assets | 1.6237% | 1,326 |
| Return on Equity (ROE) | 9.1647% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.5945% | 1,281 |
| Net charge-offs to loans | 0.0285% | 5,753 |
| Credit loss provision to net charge-offs | 430.7692% | 654 |
| Earnings coverage of net charge-offs (x) | 110.7877% | 327 |
| Efficiency ratio | 52.3021% | 6,651 |
| Assets per employee ($millions) | 6.6368% | 884 |
| Cash dividends to net income (ytd only)* | 6.2211% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,831 |
| Loan loss allowance to noncurrent loans | 107.1523% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 5,556 |
| Noncurrent loans to loans | 1.2483% | 4,455 |
| Net loans and leases to total assets | 49.9519% | 5,710 |
| Net loans and leases to deposits | 59.7325% | 5,661 |
| Net loans and leases to core deposits | 61.3331% | 5,874 |
| Total domestic deposits to total assets | 83.6259% | 4,414 |
| Equity capital to assets | 14.1952% | 1,087 |
| Core capital (leverage) ratio | 13.4335% | 1,070 |
| Tier 1 risk-based capital ratio | 25.3363% | 881 |
| Total risk-based capital ratio | 26.5862% | 873 |
| Memoranda: | ||
| Average total assets | $117,180,250 | 4,500 |
| Average earning assets | $108,803,500 | 4,461 |
| Average equity | $15,901,250 | 3,757 |
| Average total loans | $60,826,250 | 4,870 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 4,109 |
| Cost of funding earning assets | 1.4489% | 1,198 |
| Net interest margin | 3.3475% | 5,715 |
| Noninterest income to average assets | 0.3144% | 5,382 |
| Noninterest expense to average assets | 1.7832% | 7,100 |
| Loan and lease loss provision to assets | 0.0447% | 5,752 |
| Net operating income to assets | 1.2755% | 1,380 |
| Return on assets (ROA) | 1.3125% | 1,359 |
| Pretax return on assets | 1.6526% | 1,152 |
| Return on Equity (ROE) | 9.8270% | 2,177 |
| Retained earnings to average equity (ytd only) | 8.9523% | 1,121 |
| Net charge-offs to loans | 0.0459% | 5,207 |
| Credit loss provision to net charge-offs | 185.7143% | 1,626 |
| Earnings coverage of net charge-offs (x) | 68.6429% | 486 |
| Efficiency ratio | 51.9260% | 6,791 |
| Assets per employee ($millions) | 6.5879% | 888 |
| Cash dividends to net income (ytd only)* | 8.9005% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 5,175 |
| Loan loss allowance to noncurrent loans | 62.8641% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.0423% | 4,798 |
| Noncurrent loans to loans | 2.0263% | 3,444 |
| Net loans and leases to total assets | 50.7838% | 5,721 |
| Net loans and leases to deposits | 60.1843% | 5,710 |
| Net loans and leases to core deposits | 61.0024% | 6,002 |
| Total domestic deposits to total assets | 84.3806% | 4,179 |
| Equity capital to assets | 13.7077% | 1,203 |
| Core capital (leverage) ratio | 13.2795% | 1,069 |
| Tier 1 risk-based capital ratio | 24.7595% | 925 |
| Total risk-based capital ratio | 25.9908% | 908 |
| Memoranda: | ||
| Average total assets | $116,419,330 | 4,550 |
| Average earning assets | $108,499,000 | 4,492 |
| Average equity | $15,549,000 | 3,809 |
| Average total loans | $60,940,670 | 4,914 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 3,676 |
| Cost of funding earning assets | 1.4804% | 1,254 |
| Net interest margin | 3.4020% | 5,425 |
| Noninterest income to average assets | 0.2879% | 5,614 |
| Noninterest expense to average assets | 1.7895% | 7,154 |
| Loan and lease loss provision to assets | 0.0139% | 5,740 |
| Net operating income to assets | 1.2623% | 1,361 |
| Return on assets (ROA) | 1.3317% | 1,248 |
| Pretax return on assets | 1.7306% | 927 |
| Return on Equity (ROE) | 10.1079% | 2,059 |
| Retained earnings to average equity (ytd only) | 10.1079% | 1,102 |
| Net charge-offs to loans | 0.0394% | 4,563 |
| Credit loss provision to net charge-offs | 66.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 390 |
| Efficiency ratio | 51.9637% | 6,858 |
| Assets per employee ($millions) | 6.3922% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 5,340 |
| Loan loss allowance to noncurrent loans | 93.9729% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 5,517 |
| Noncurrent loans to loans | 1.3411% | 4,470 |
| Net loans and leases to total assets | 52.0233% | 5,583 |
| Net loans and leases to deposits | 61.5601% | 5,561 |
| Net loans and leases to core deposits | 62.2548% | 5,902 |
| Total domestic deposits to total assets | 84.5081% | 4,266 |
| Equity capital to assets | 13.4182% | 1,215 |
| Core capital (leverage) ratio | 13.2807% | 1,033 |
| Tier 1 risk-based capital ratio | 24.2966% | 946 |
| Total risk-based capital ratio | 25.5090% | 937 |
| Memoranda: | ||
| Average total assets | $115,337,500 | 4,608 |
| Average earning assets | $106,995,000 | 4,558 |
| Average equity | $15,196,000 | 3,864 |
| Average total loans | $60,912,000 | 4,966 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9913% | 4,603 |
| Cost of funding earning assets | 1.7460% | 1,393 |
| Net interest margin | 3.2452% | 6,151 |
| Noninterest income to average assets | 0.3706% | 5,134 |
| Noninterest expense to average assets | 1.9076% | 7,149 |
| Loan and lease loss provision to assets | 0.0671% | 6,478 |
| Net operating income to assets | 1.1748% | 1,477 |
| Return on assets (ROA) | 1.1171% | 1,733 |
| Pretax return on assets | 1.3391% | 1,831 |
| Return on Equity (ROE) | 8.3385% | 2,557 |
| Retained earnings to average equity (ytd only) | 5.2783% | 2,261 |
| Net charge-offs to loans | -0.2802% | 7,565 |
| Credit loss provision to net charge-offs | -44.6429% | 6,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3757% | 6,547 |
| Assets per employee ($millions) | 6.4231% | 974 |
| Cash dividends to net income (ytd only)* | 36.6987% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 5,251 |
| Loan loss allowance to noncurrent loans | 93.3009% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 5,578 |
| Noncurrent loans to loans | 1.3415% | 4,477 |
| Net loans and leases to total assets | 52.2735% | 5,874 |
| Net loans and leases to deposits | 62.0722% | 5,845 |
| Net loans and leases to core deposits | 63.2394% | 6,125 |
| Total domestic deposits to total assets | 84.2140% | 4,267 |
| Equity capital to assets | 12.9334% | 1,423 |
| Core capital (leverage) ratio | 12.8971% | 1,163 |
| Tier 1 risk-based capital ratio | 23.6351% | 969 |
| Total risk-based capital ratio | 24.8480% | 950 |
| Memoranda: | ||
| Average total assets | $111,713,200 | 4,668 |
| Average earning assets | $103,721,400 | 4,613 |
| Average equity | $14,966,800 | 3,943 |
| Average total loans | $59,951,200 | 5,073 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 4,883 |
| Cost of funding earning assets | 1.7919% | 1,452 |
| Net interest margin | 3.1954% | 6,356 |
| Noninterest income to average assets | 0.4058% | 4,911 |
| Noninterest expense to average assets | 1.8939% | 7,218 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1845% | 1,639 |
| Return on assets (ROA) | 1.1860% | 1,728 |
| Pretax return on assets | 1.4846% | 1,653 |
| Return on Equity (ROE) | 8.7727% | 2,576 |
| Retained earnings to average equity (ytd only) | 7.5704% | 1,570 |
| Net charge-offs to loans | -0.3912% | 7,672 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0784% | 6,545 |
| Assets per employee ($millions) | 6.3881% | 1,022 |
| Cash dividends to net income (ytd only)* | 13.7059% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 5,711 |
| Loan loss allowance to noncurrent loans | 98.4485% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 5,897 |
| Noncurrent loans to loans | 1.1684% | 4,914 |
| Net loans and leases to total assets | 52.1642% | 6,079 |
| Net loans and leases to deposits | 62.3231% | 6,089 |
| Net loans and leases to core deposits | 63.5062% | 6,337 |
| Total domestic deposits to total assets | 83.6996% | 4,272 |
| Equity capital to assets | 13.8296% | 1,230 |
| Core capital (leverage) ratio | 13.0713% | 1,200 |
| Tier 1 risk-based capital ratio | 24.0402% | 941 |
| Total risk-based capital ratio | 25.1671% | 930 |
| Memoranda: | ||
| Average total assets | $110,737,750 | 4,748 |
| Average earning assets | $102,980,250 | 4,695 |
| Average equity | $14,970,250 | 3,993 |
| Average total loans | $59,638,500 | 5,161 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0694% | 4,612 |
| Cost of funding earning assets | 1.8506% | 1,429 |
| Net interest margin | 3.2188% | 6,258 |
| Noninterest income to average assets | 0.3311% | 5,514 |
| Noninterest expense to average assets | 1.9356% | 7,204 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0936% | 1,878 |
| Return on assets (ROA) | 1.0940% | 1,945 |
| Pretax return on assets | 1.3867% | 1,868 |
| Return on Equity (ROE) | 8.1584% | 2,824 |
| Retained earnings to average equity (ytd only) | 6.3166% | 2,159 |
| Net charge-offs to loans | -0.5937% | 7,743 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2599% | 6,343 |
| Assets per employee ($millions) | 6.2658% | 1,068 |
| Cash dividends to net income (ytd only)* | 22.5753% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 5,647 |
| Loan loss allowance to noncurrent loans | 87.9093% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 5,728 |
| Noncurrent loans to loans | 1.3205% | 4,744 |
| Net loans and leases to total assets | 52.6945% | 6,141 |
| Net loans and leases to deposits | 62.4033% | 6,194 |
| Net loans and leases to core deposits | 63.4052% | 6,454 |
| Total domestic deposits to total assets | 84.4419% | 3,897 |
| Equity capital to assets | 13.4416% | 1,370 |
| Core capital (leverage) ratio | 13.1469% | 1,160 |
| Tier 1 risk-based capital ratio | 23.4887% | 996 |
| Total risk-based capital ratio | 24.6190% | 992 |
| Memoranda: | ||
| Average total assets | $109,322,000 | 4,821 |
| Average earning assets | $101,590,670 | 4,761 |
| Average equity | $14,659,670 | 4,063 |
| Average total loans | $59,291,670 | 5,212 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 4,364 |
| Cost of funding earning assets | 1.9500% | 1,245 |
| Net interest margin | 3.1862% | 6,332 |
| Noninterest income to average assets | 0.3197% | 5,589 |
| Noninterest expense to average assets | 1.8700% | 7,382 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1079% | 1,806 |
| Return on assets (ROA) | 1.1042% | 1,902 |
| Pretax return on assets | 1.4165% | 1,727 |
| Return on Equity (ROE) | 8.2446% | 2,755 |
| Retained earnings to average equity (ytd only) | 6.3847% | 2,423 |
| Net charge-offs to loans | -1.1958% | 7,856 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8362% | 6,649 |
| Assets per employee ($millions) | 6.3744% | 1,060 |
| Cash dividends to net income (ytd only)* | 22.5589% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 5,577 |
| Loan loss allowance to noncurrent loans | 86.9403% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 5,674 |
| Noncurrent loans to loans | 1.3619% | 4,701 |
| Net loans and leases to total assets | 53.8352% | 6,043 |
| Net loans and leases to deposits | 64.5668% | 5,993 |
| Net loans and leases to core deposits | 65.6671% | 6,314 |
| Total domestic deposits to total assets | 83.3792% | 4,437 |
| Equity capital to assets | 13.4768% | 1,337 |
| Core capital (leverage) ratio | 13.3710% | 1,110 |
| Tier 1 risk-based capital ratio | 23.7689% | 988 |
| Total risk-based capital ratio | 24.9306% | 972 |
| Memoranda: | ||
| Average total assets | $107,591,000 | 4,942 |
| Average earning assets | $100,308,500 | 4,870 |
| Average equity | $14,409,500 | 4,146 |
| Average total loans | $58,873,000 | 5,300 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3261% | 5,055 |
| Cost of funding earning assets | 2.3987% | 1,306 |
| Net interest margin | 2.9274% | 6,804 |
| Noninterest income to average assets | 0.3460% | 5,616 |
| Noninterest expense to average assets | 2.0570% | 7,272 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9288% | 2,082 |
| Return on assets (ROA) | 1.0218% | 1,814 |
| Pretax return on assets | 1.1239% | 2,177 |
| Return on Equity (ROE) | 7.5705% | 2,552 |
| Retained earnings to average equity (ytd only) | 5.0351% | 1,803 |
| Net charge-offs to loans | 0.0268% | 6,872 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 70.6667% | 385 |
| Efficiency ratio | 66.8128% | 5,222 |
| Assets per employee ($millions) | 6.2834% | 1,089 |
| Cash dividends to net income (ytd only)* | 33.4906% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 6,867 |
| Loan loss allowance to noncurrent loans | 32.6250% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 1.4979% | 4,136 |
| Noncurrent loans to loans | 2.7253% | 2,834 |
| Net loans and leases to total assets | 54.4730% | 6,142 |
| Net loans and leases to deposits | 65.3434% | 6,131 |
| Net loans and leases to core deposits | 76.8216% | 6,349 |
| Total domestic deposits to total assets | 83.3642% | 4,351 |
| Equity capital to assets | 13.3077% | 1,393 |
| Core capital (leverage) ratio | 13.1271% | 1,216 |
| Tier 1 risk-based capital ratio | 23.5374% | 989 |
| Total risk-based capital ratio | 24.4102% | 1,007 |
| Memoranda: | ||
| Average total assets | $103,742,400 | 4,989 |
| Average earning assets | $96,843,800 | 4,930 |
| Average equity | $14,001,800 | 4,248 |
| Average total loans | $55,931,800 | 5,423 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3715% | 5,086 |
| Cost of funding earning assets | 2.4738% | 1,379 |
| Net interest margin | 2.8977% | 6,867 |
| Noninterest income to average assets | 0.3457% | 5,736 |
| Noninterest expense to average assets | 1.9694% | 7,441 |
| Loan and lease loss provision to assets | 0.0350% | 7,005 |
| Net operating income to assets | 0.8952% | 2,439 |
| Return on assets (ROA) | 0.9128% | 2,444 |
| Pretax return on assets | 1.0708% | 2,669 |
| Return on Equity (ROE) | 6.7389% | 3,192 |
| Retained earnings to average equity (ytd only) | 5.4580% | 2,225 |
| Net charge-offs to loans | 0.0362% | 6,396 |
| Credit loss provision to net charge-offs | 180.0000% | 2,544 |
| Earnings coverage of net charge-offs (x) | 55.8655% | 588 |
| Efficiency ratio | 64.4765% | 5,666 |
| Assets per employee ($millions) | 6.2631% | 1,095 |
| Cash dividends to net income (ytd only)* | 19.0068% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 6,534 |
| Loan loss allowance to noncurrent loans | 75.4458% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 5,774 |
| Noncurrent loans to loans | 1.2612% | 4,837 |
| Net loans and leases to total assets | 53.7700% | 6,407 |
| Net loans and leases to deposits | 64.7749% | 6,420 |
| Net loans and leases to core deposits | 75.7766% | 6,629 |
| Total domestic deposits to total assets | 83.0106% | 4,216 |
| Equity capital to assets | 13.8083% | 1,372 |
| Core capital (leverage) ratio | 13.2167% | 1,318 |
| Tier 1 risk-based capital ratio | 22.8772% | 1,126 |
| Total risk-based capital ratio | 23.7769% | 1,144 |
| Memoranda: | ||
| Average total assets | $102,973,500 | 5,046 |
| Average earning assets | $96,258,250 | 4,974 |
| Average equity | $13,948,500 | 4,306 |
| Average total loans | $55,237,500 | 5,499 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4373% | 4,954 |
| Cost of funding earning assets | 2.5102% | 1,577 |
| Net interest margin | 2.9271% | 6,743 |
| Noninterest income to average assets | 0.3497% | 5,706 |
| Noninterest expense to average assets | 1.8682% | 7,662 |
| Loan and lease loss provision to assets | 0.0354% | 6,889 |
| Net operating income to assets | 1.0058% | 2,084 |
| Return on assets (ROA) | 1.0058% | 2,182 |
| Pretax return on assets | 1.1767% | 2,369 |
| Return on Equity (ROE) | 7.4759% | 2,996 |
| Retained earnings to average equity (ytd only) | 5.5193% | 2,239 |
| Net charge-offs to loans | 0.0257% | 6,120 |
| Credit loss provision to net charge-offs | 257.1429% | 1,810 |
| Earnings coverage of net charge-offs (x) | 88.1429% | 434 |
| Efficiency ratio | 60.6505% | 6,451 |
| Assets per employee ($millions) | 6.5574% | 943 |
| Cash dividends to net income (ytd only)* | 26.1719% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 6,430 |
| Loan loss allowance to noncurrent loans | 63.6469% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 5,346 |
| Noncurrent loans to loans | 1.5283% | 4,205 |
| Net loans and leases to total assets | 53.1739% | 6,553 |
| Net loans and leases to deposits | 63.3131% | 6,634 |
| Net loans and leases to core deposits | 73.1784% | 6,831 |
| Total domestic deposits to total assets | 83.9856% | 3,783 |
| Equity capital to assets | 13.1951% | 1,610 |
| Core capital (leverage) ratio | 13.2708% | 1,341 |
| Tier 1 risk-based capital ratio | 22.3395% | 1,205 |
| Total risk-based capital ratio | 23.2320% | 1,232 |
| Memoranda: | ||
| Average total assets | $101,807,330 | 5,109 |
| Average earning assets | $94,974,330 | 5,043 |
| Average equity | $13,697,330 | 4,372 |
| Average total loans | $54,383,330 | 5,585 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4987% | 4,916 |
| Cost of funding earning assets | 2.5192% | 1,849 |
| Net interest margin | 2.9795% | 6,533 |
| Noninterest income to average assets | 0.3431% | 5,710 |
| Noninterest expense to average assets | 1.8593% | 7,625 |
| Loan and lease loss provision to assets | 0.0359% | 6,495 |
| Net operating income to assets | 1.0653% | 2,087 |
| Return on assets (ROA) | 1.0653% | 2,218 |
| Pretax return on assets | 1.2369% | 2,491 |
| Return on Equity (ROE) | 7.8391% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.8720% | 2,684 |
| Net charge-offs to loans | 0.0225% | 5,245 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 106.3333% | 411 |
| Efficiency ratio | 59.3631% | 6,500 |
| Assets per employee ($millions) | 6.3509% | 1,025 |
| Cash dividends to net income (ytd only)* | 25.0936% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 6,055 |
| Loan loss allowance to noncurrent loans | 53.4975% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 0.9989% | 4,699 |
| Noncurrent loans to loans | 1.9020% | 3,410 |
| Net loans and leases to total assets | 51.9825% | 6,683 |
| Net loans and leases to deposits | 62.1823% | 6,725 |
| Net loans and leases to core deposits | 71.7797% | 6,922 |
| Total domestic deposits to total assets | 83.5969% | 3,879 |
| Equity capital to assets | 13.5197% | 1,526 |
| Core capital (leverage) ratio | 13.5513% | 1,310 |
| Tier 1 risk-based capital ratio | 22.8742% | 1,207 |
| Total risk-based capital ratio | 23.7920% | 1,208 |
| Memoranda: | ||
| Average total assets | $100,252,000 | 5,174 |
| Average earning assets | $93,840,000 | 5,091 |
| Average equity | $13,624,000 | 4,418 |
| Average total loans | $53,406,500 | 5,659 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7527% | 6,585 |
| Cost of funding earning assets | 2.7793% | 2,791 |
| Net interest margin | 2.9735% | 6,975 |
| Noninterest income to average assets | 0.5193% | 4,469 |
| Noninterest expense to average assets | 1.8374% | 7,707 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3164% | 1,439 |
| Return on assets (ROA) | 0.1039% | 5,943 |
| Pretax return on assets | -0.4248% | 6,569 |
| Return on Equity (ROE) | 0.7559% | 5,992 |
| Retained earnings to average equity (ytd only) | -1.7235% | 5,796 |
| Net charge-offs to loans | 0.0882% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 30.6522% | 1,156 |
| Efficiency ratio | 55.6464% | 7,065 |
| Assets per employee ($millions) | 6.1806% | 1,045 |
| Cash dividends to net income (ytd only)* | 328.0000% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 6,003 |
| Loan loss allowance to noncurrent loans | 778.2609% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 7,292 |
| Noncurrent loans to loans | 0.1291% | 7,028 |
| Net loans and leases to total assets | 53.5054% | 6,705 |
| Net loans and leases to deposits | 64.3303% | 6,765 |
| Net loans and leases to core deposits | 74.0864% | 6,963 |
| Total domestic deposits to total assets | 83.1731% | 3,696 |
| Equity capital to assets | 13.6618% | 1,545 |
| Core capital (leverage) ratio | 13.5668% | 1,364 |
| Tier 1 risk-based capital ratio | 22.6572% | 1,230 |
| Total risk-based capital ratio | 23.5694% | 1,248 |
| Memoranda: | ||
| Average total assets | $96,278,200 | 5,162 |
| Average earning assets | $90,096,200 | 5,078 |
| Average equity | $13,228,600 | 4,513 |
| Average total loans | $52,144,800 | 5,613 |