Home > The Warrington Bank > Performance and Condition Ratios
The Warrington Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0972% | 4,440 |
| Cost of funding earning assets | 0.4868% | 4,295 |
| Net interest margin | 2.6104% | 3,939 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 2.2824% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.3559% | 3,793 |
| Return on assets (ROA) | 0.3559% | 3,815 |
| Pretax return on assets | 0.4738% | 3,753 |
| Return on Equity (ROE) | 2.1200% | 3,979 |
| Retained earnings to average equity (ytd only) | 0.3287% | 3,617 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 82.8098% | 785 |
| Assets per employee ($millions) | 5.5327% | 3,301 |
| Cash dividends to net income (ytd only)* | 84.4595% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,388 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 33.1000% | 4,142 |
| Net loans and leases to deposits | 39.8517% | 4,132 |
| Net loans and leases to core deposits | 40.0076% | 4,166 |
| Total domestic deposits to total assets | 83.0600% | 3,107 |
| Equity capital to assets | 16.8687% | 407 |
| Core capital (leverage) ratio | 16.9243% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $166,319,000 | 3,255 |
| Average earning assets | $158,595,500 | 3,216 |
| Average equity | $27,987,500 | 2,534 |
| Average total loans | $55,445,000 | 3,754 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0048% | 4,460 |
| Cost of funding earning assets | 0.7311% | 4,210 |
| Net interest margin | 2.2737% | 4,102 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 2.1486% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.2229% | 3,949 |
| Return on assets (ROA) | 0.2229% | 3,976 |
| Pretax return on assets | 0.2980% | 3,931 |
| Return on Equity (ROE) | 1.4300% | 4,059 |
| Retained earnings to average equity (ytd only) | 0.5321% | 3,779 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 87.8205% | 599 |
| Assets per employee ($millions) | 5.5552% | 3,252 |
| Cash dividends to net income (ytd only)* | 62.8141% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 3,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 32.9300% | 4,175 |
| Net loans and leases to deposits | 39.5974% | 4,166 |
| Net loans and leases to core deposits | 39.7500% | 4,195 |
| Total domestic deposits to total assets | 83.1600% | 2,991 |
| Equity capital to assets | 16.7867% | 409 |
| Core capital (leverage) ratio | 16.3652% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $178,537,000 | 3,138 |
| Average earning assets | $171,925,400 | 3,080 |
| Average equity | $27,814,200 | 2,481 |
| Average total loans | $54,531,200 | 3,759 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9630% | 4,497 |
| Cost of funding earning assets | 0.7726% | 4,212 |
| Net interest margin | 2.1904% | 4,174 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 2.1303% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.1836% | 4,019 |
| Return on assets (ROA) | 0.1836% | 4,053 |
| Pretax return on assets | 0.2453% | 4,017 |
| Return on Equity (ROE) | 1.2000% | 4,106 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 89.6722% | 554 |
| Assets per employee ($millions) | 5.7092% | 3,108 |
| Cash dividends to net income (ytd only)* | 100.0000% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 3,306 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 30.2800% | 4,251 |
| Net loans and leases to deposits | 38.6469% | 4,216 |
| Net loans and leases to core deposits | 38.8703% | 4,245 |
| Total domestic deposits to total assets | 78.3500% | 3,684 |
| Equity capital to assets | 15.7244% | 512 |
| Core capital (leverage) ratio | 15.3486% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $181,507,250 | 3,116 |
| Average earning assets | $175,671,250 | 3,058 |
| Average equity | $27,773,750 | 2,480 |
| Average total loans | $54,310,250 | 3,769 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9159% | 4,519 |
| Cost of funding earning assets | 0.7516% | 4,224 |
| Net interest margin | 2.1643% | 4,194 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 2.0785% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.2022% | 4,001 |
| Return on assets (ROA) | 0.2022% | 4,039 |
| Pretax return on assets | 0.2677% | 3,980 |
| Return on Equity (ROE) | 1.3300% | 4,109 |
| Retained earnings to average equity (ytd only) | -0.4684% | 3,985 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 88.5887% | 635 |
| Assets per employee ($millions) | 5.7916% | 2,980 |
| Cash dividends to net income (ytd only)* | 135.1351% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,313 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 29.6600% | 4,267 |
| Net loans and leases to deposits | 39.0285% | 4,218 |
| Net loans and leases to core deposits | 39.3308% | 4,247 |
| Total domestic deposits to total assets | 76.0000% | 3,899 |
| Equity capital to assets | 15.4635% | 524 |
| Core capital (leverage) ratio | 15.1117% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $183,014,333 | 3,110 |
| Average earning assets | $176,959,333 | 3,052 |
| Average equity | $27,755,000 | 2,446 |
| Average total loans | $54,370,667 | 3,776 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8706% | 4,548 |
| Cost of funding earning assets | 0.7154% | 4,240 |
| Net interest margin | 2.1552% | 4,216 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 2.0720% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2078% | 3,962 |
| Return on assets (ROA) | 0.2078% | 4,001 |
| Pretax return on assets | 0.2685% | 3,954 |
| Return on Equity (ROE) | 1.3800% | 4,095 |
| Retained earnings to average equity (ytd only) | -2.2197% | 3,947 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 88.5291% | 652 |
| Assets per employee ($millions) | 5.9472% | 2,885 |
| Cash dividends to net income (ytd only)* | 260.4167% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 3,379 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 29.2500% | 4,292 |
| Net loans and leases to deposits | 37.8677% | 4,228 |
| Net loans and leases to core deposits | 38.0797% | 4,305 |
| Total domestic deposits to total assets | 77.2500% | 3,881 |
| Equity capital to assets | 15.0106% | 551 |
| Core capital (leverage) ratio | 15.0107% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $184,752,000 | 3,103 |
| Average earning assets | $178,917,500 | 3,043 |
| Average equity | $27,751,000 | 2,457 |
| Average total loans | $54,662,500 | 3,789 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6473% | 4,555 |
| Cost of funding earning assets | 0.4389% | 4,256 |
| Net interest margin | 2.2084% | 4,311 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.9451% | 3,745 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2915% | 4,042 |
| Return on assets (ROA) | 0.2401% | 4,121 |
| Pretax return on assets | 0.3224% | 4,068 |
| Return on Equity (ROE) | 1.6600% | 4,188 |
| Retained earnings to average equity (ytd only) | 0.7613% | 3,885 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.9259% | 781 |
| Assets per employee ($millions) | 5.7857% | 2,996 |
| Cash dividends to net income (ytd only)* | 54.2299% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 3,438 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 29.3400% | 4,309 |
| Net loans and leases to deposits | 36.9136% | 4,258 |
| Net loans and leases to core deposits | 37.0468% | 4,327 |
| Total domestic deposits to total assets | 79.4900% | 3,543 |
| Equity capital to assets | 15.0307% | 549 |
| Core capital (leverage) ratio | 14.8361% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $192,023,200 | 3,037 |
| Average earning assets | $185,925,000 | 2,969 |
| Average equity | $27,714,400 | 2,381 |
| Average total loans | $50,931,000 | 3,830 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5815% | 4,571 |
| Cost of funding earning assets | 0.3622% | 4,300 |
| Net interest margin | 2.2193% | 4,343 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.8959% | 3,810 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3435% | 4,061 |
| Return on assets (ROA) | 0.3049% | 4,116 |
| Pretax return on assets | 0.4081% | 4,052 |
| Return on Equity (ROE) | 2.1300% | 4,183 |
| Retained earnings to average equity (ytd only) | 0.9294% | 3,966 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.4177% | 896 |
| Assets per employee ($millions) | 5.8790% | 2,855 |
| Cash dividends to net income (ytd only)* | 56.4334% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 3,542 |
| Loan loss allowance to noncurrent loans | 274.4565% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 2,922 |
| Noncurrent loans to loans | 0.3483% | 1,975 |
| Net loans and leases to total assets | 27.8100% | 4,352 |
| Net loans and leases to deposits | 33.9409% | 4,332 |
| Net loans and leases to core deposits | 34.1164% | 4,347 |
| Total domestic deposits to total assets | 81.9500% | 3,219 |
| Equity capital to assets | 14.7803% | 557 |
| Core capital (leverage) ratio | 14.8070% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $193,743,750 | 3,034 |
| Average earning assets | $187,741,750 | 2,972 |
| Average equity | $27,686,000 | 2,368 |
| Average total loans | $49,948,750 | 3,852 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5484% | 4,606 |
| Cost of funding earning assets | 0.2849% | 4,335 |
| Net interest margin | 2.2634% | 4,383 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.8526% | 3,902 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4162% | 3,977 |
| Return on assets (ROA) | 0.3589% | 4,095 |
| Pretax return on assets | 0.4775% | 4,004 |
| Return on Equity (ROE) | 2.5400% | 4,213 |
| Retained earnings to average equity (ytd only) | 0.7307% | 3,952 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.4557% | 1,134 |
| Assets per employee ($millions) | 5.8605% | 2,833 |
| Cash dividends to net income (ytd only)* | 71.2251% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 3,706 |
| Loan loss allowance to noncurrent loans | 258.1522% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 2,846 |
| Noncurrent loans to loans | 0.3577% | 1,850 |
| Net loans and leases to total assets | 27.1800% | 4,374 |
| Net loans and leases to deposits | 32.0542% | 4,372 |
| Net loans and leases to core deposits | 32.2145% | 4,382 |
| Total domestic deposits to total assets | 84.7800% | 2,601 |
| Equity capital to assets | 14.7748% | 547 |
| Core capital (leverage) ratio | 14.5305% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $195,615,333 | 3,032 |
| Average earning assets | $189,534,333 | 2,964 |
| Average equity | $27,646,000 | 2,383 |
| Average total loans | $48,987,667 | 3,873 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4988% | 4,636 |
| Cost of funding earning assets | 0.1058% | 4,525 |
| Net interest margin | 2.3930% | 4,386 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.7330% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5690% | 3,749 |
| Return on assets (ROA) | 0.5690% | 3,717 |
| Pretax return on assets | 0.7593% | 3,546 |
| Return on Equity (ROE) | 4.1100% | 4,023 |
| Retained earnings to average equity (ytd only) | 0.4925% | 3,949 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.5338% | 1,800 |
| Assets per employee ($millions) | 5.9656% | 2,792 |
| Cash dividends to net income (ytd only)* | 88.0282% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 3,842 |
| Loan loss allowance to noncurrent loans | 254.1899% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 2,877 |
| Noncurrent loans to loans | 0.3557% | 1,870 |
| Net loans and leases to total assets | 26.1200% | 4,445 |
| Net loans and leases to deposits | 30.6206% | 4,434 |
| Net loans and leases to core deposits | 30.7697% | 4,449 |
| Total domestic deposits to total assets | 85.3100% | 2,773 |
| Equity capital to assets | 14.4789% | 534 |
| Core capital (leverage) ratio | 13.9075% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $199,655,000 | 3,041 |
| Average earning assets | $192,893,500 | 2,977 |
| Average equity | $27,615,000 | 2,414 |
| Average total loans | $47,762,000 | 3,938 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0815% | 4,595 |
| Cost of funding earning assets | 0.0584% | 4,554 |
| Net interest margin | 2.0231% | 4,553 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.9425% | 3,741 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.1927% | 4,454 |
| Return on assets (ROA) | 0.1927% | 4,436 |
| Pretax return on assets | 0.2560% | 4,403 |
| Return on Equity (ROE) | 1.3300% | 4,455 |
| Retained earnings to average equity (ytd only) | -10.4453% | 4,638 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.1515% | 323 |
| Assets per employee ($millions) | 6.5128% | 2,325 |
| Cash dividends to net income (ytd only)* | 887.7863% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,332 |
| Loan loss allowance to noncurrent loans | 254.1899% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 2,949 |
| Noncurrent loans to loans | 0.3960% | 1,729 |
| Net loans and leases to total assets | 21.4700% | 4,535 |
| Net loans and leases to deposits | 24.7670% | 4,537 |
| Net loans and leases to core deposits | 24.8756% | 4,534 |
| Total domestic deposits to total assets | 86.6900% | 2,500 |
| Equity capital to assets | 13.2383% | 670 |
| Core capital (leverage) ratio | 13.1740% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $203,911,800 | 3,029 |
| Average earning assets | $195,047,000 | 2,970 |
| Average equity | $29,640,200 | 2,347 |
| Average total loans | $43,052,400 | 4,007 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9209% | 4,625 |
| Cost of funding earning assets | 0.0570% | 4,541 |
| Net interest margin | 1.8639% | 4,594 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.9711% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0473% | 4,570 |
| Return on assets (ROA) | 0.0473% | 4,540 |
| Pretax return on assets | 0.0638% | 4,534 |
| Return on Equity (ROE) | 0.3200% | 4,538 |
| Retained earnings to average equity (ytd only) | -10.0243% | 4,675 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 96.8659% | 191 |
| Assets per employee ($millions) | 6.3670% | 2,429 |
| Cash dividends to net income (ytd only)* | 3,248.6111% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,394 |
| Loan loss allowance to noncurrent loans | 1,895.8333% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 3,858 |
| Noncurrent loans to loans | 0.0536% | 3,493 |
| Net loans and leases to total assets | 21.7400% | 4,572 |
| Net loans and leases to deposits | 25.2892% | 4,573 |
| Net loans and leases to core deposits | 25.4421% | 4,568 |
| Total domestic deposits to total assets | 85.9700% | 3,071 |
| Equity capital to assets | 13.9426% | 570 |
| Core capital (leverage) ratio | 13.6793% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $202,787,000 | 3,052 |
| Average earning assets | $193,998,000 | 2,995 |
| Average equity | $30,152,750 | 2,363 |
| Average total loans | $42,515,500 | 4,043 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7733% | 4,669 |
| Cost of funding earning assets | 0.0545% | 4,568 |
| Net interest margin | 1.7188% | 4,651 |
| Noninterest income to average assets | 0.2479% | 3,687 |
| Noninterest expense to average assets | 1.9845% | 3,472 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0672% | 4,606 |
| Return on assets (ROA) | -0.0672% | 4,578 |
| Pretax return on assets | -0.0869% | 4,572 |
| Return on Equity (ROE) | -0.4425% | 4,568 |
| Retained earnings to average equity (ytd only) | -0.5857% | 4,252 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5809% | 146 |
| Assets per employee ($millions) | 6.4678% | 2,337 |
| Cash dividends to net income (ytd only)* | -32.3529% | 4,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,774 |
| Loan loss allowance to noncurrent loans | 2,062.5000% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 3,913 |
| Noncurrent loans to loans | 0.0574% | 3,524 |
| Net loans and leases to total assets | 19.9638% | 4,656 |
| Net loans and leases to deposits | 23.4514% | 4,646 |
| Net loans and leases to core deposits | 23.5924% | 4,652 |
| Total domestic deposits to total assets | 85.1283% | 3,458 |
| Equity capital to assets | 14.7852% | 422 |
| Core capital (leverage) ratio | 15.1070% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,468,333 | 3,079 |
| Average earning assets | $194,324,333 | 3,036 |
| Average equity | $30,734,667 | 2,384 |
| Average total loans | $41,770,000 | 4,109 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6306% | 4,698 |
| Cost of funding earning assets | 0.0578% | 4,540 |
| Net interest margin | 1.5728% | 4,683 |
| Noninterest income to average assets | 0.2411% | 3,703 |
| Noninterest expense to average assets | 1.8730% | 3,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0964% | 4,592 |
| Return on assets (ROA) | -0.0964% | 4,573 |
| Pretax return on assets | -0.1187% | 4,584 |
| Return on Equity (ROE) | -0.6391% | 4,570 |
| Retained earnings to average equity (ytd only) | -1.1798% | 4,157 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7653% | 159 |
| Assets per employee ($millions) | 7.0266% | 1,974 |
| Cash dividends to net income (ytd only)* | -84.6154% | 4,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 18.9063% | 4,684 |
| Net loans and leases to deposits | 22.3605% | 4,677 |
| Net loans and leases to core deposits | 22.4307% | 4,682 |
| Total domestic deposits to total assets | 84.5520% | 3,648 |
| Equity capital to assets | 15.3588% | 360 |
| Core capital (leverage) ratio | 15.2853% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,848,500 | 3,936 |
| Average earning assets | $103,765,500 | 3,888 |
| Average equity | $16,273,500 | 3,449 |
| Average total loans | $20,554,000 | 4,511 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8686% | 4,702 |
| Cost of funding earning assets | 0.0648% | 4,616 |
| Net interest margin | 1.8038% | 4,665 |
| Noninterest income to average assets | 0.2401% | 3,942 |
| Noninterest expense to average assets | 1.9339% | 3,851 |
| Loan and lease loss provision to assets | -0.0458% | 4,335 |
| Net operating income to assets | 0.0660% | 4,646 |
| Return on assets (ROA) | 0.0660% | 4,657 |
| Pretax return on assets | 0.0871% | 4,649 |
| Return on Equity (ROE) | 0.4338% | 4,665 |
| Retained earnings to average equity (ytd only) | 0.4338% | 4,390 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9118% | 170 |
| Assets per employee ($millions) | 6.8936% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 18.7537% | 4,729 |
| Net loans and leases to deposits | 22.0273% | 4,726 |
| Net loans and leases to core deposits | 22.1652% | 4,730 |
| Total domestic deposits to total assets | 85.1384% | 3,227 |
| Equity capital to assets | 14.8316% | 514 |
| Core capital (leverage) ratio | 14.7406% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,104,200 | 3,903 |
| Average earning assets | $104,946,600 | 3,855 |
| Average equity | $16,597,800 | 3,494 |
| Average total loans | $25,074,200 | 4,472 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9135% | 4,779 |
| Cost of funding earning assets | 0.0663% | 4,707 |
| Net interest margin | 1.8472% | 4,729 |
| Noninterest income to average assets | 0.2426% | 3,944 |
| Noninterest expense to average assets | 1.9202% | 3,893 |
| Loan and lease loss provision to assets | -0.0616% | 4,499 |
| Net operating income to assets | 0.1189% | 4,686 |
| Return on assets (ROA) | 0.1189% | 4,704 |
| Pretax return on assets | 0.1593% | 4,687 |
| Return on Equity (ROE) | 0.7764% | 4,710 |
| Retained earnings to average equity (ytd only) | 0.7764% | 4,457 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1427% | 209 |
| Assets per employee ($millions) | 7.1175% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 20.5427% | 4,790 |
| Net loans and leases to deposits | 24.0308% | 4,790 |
| Net loans and leases to core deposits | 24.1798% | 4,793 |
| Total domestic deposits to total assets | 85.4847% | 2,953 |
| Equity capital to assets | 14.4643% | 644 |
| Core capital (leverage) ratio | 14.2739% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,805,750 | 3,952 |
| Average earning assets | $104,587,750 | 3,903 |
| Average equity | $16,657,500 | 3,539 |
| Average total loans | $26,109,500 | 4,511 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9551% | 4,816 |
| Cost of funding earning assets | 0.0680% | 4,754 |
| Net interest margin | 1.8872% | 4,757 |
| Noninterest income to average assets | 0.2483% | 3,914 |
| Noninterest expense to average assets | 1.9250% | 3,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1046% | 4,705 |
| Return on assets (ROA) | 0.1046% | 4,721 |
| Pretax return on assets | 0.1382% | 4,708 |
| Return on Equity (ROE) | 0.6699% | 4,736 |
| Retained earnings to average equity (ytd only) | 0.6699% | 4,400 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3032% | 268 |
| Assets per employee ($millions) | 7.2756% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 21.5095% | 4,811 |
| Net loans and leases to deposits | 25.1164% | 4,819 |
| Net loans and leases to core deposits | 25.2684% | 4,825 |
| Total domestic deposits to total assets | 85.6394% | 2,861 |
| Equity capital to assets | 14.3073% | 658 |
| Core capital (leverage) ratio | 14.6378% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,114,333 | 3,985 |
| Average earning assets | $103,011,333 | 3,941 |
| Average equity | $16,719,333 | 3,540 |
| Average total loans | $26,932,000 | 4,527 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0485% | 4,824 |
| Cost of funding earning assets | 0.0772% | 4,761 |
| Net interest margin | 1.9713% | 4,744 |
| Noninterest income to average assets | 0.2615% | 3,826 |
| Noninterest expense to average assets | 1.8464% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2498% | 4,595 |
| Return on assets (ROA) | 0.2498% | 4,617 |
| Pretax return on assets | 0.3084% | 4,591 |
| Return on Equity (ROE) | 1.5282% | 4,656 |
| Retained earnings to average equity (ytd only) | 1.5282% | 4,113 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6884% | 523 |
| Assets per employee ($millions) | 6.7041% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 25.4899% | 4,793 |
| Net loans and leases to deposits | 30.2372% | 4,792 |
| Net loans and leases to core deposits | 30.4385% | 4,807 |
| Total domestic deposits to total assets | 84.2998% | 3,342 |
| Equity capital to assets | 15.6107% | 427 |
| Core capital (leverage) ratio | 15.2898% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,467,000 | 4,042 |
| Average earning assets | $98,412,000 | 3,994 |
| Average equity | $16,751,500 | 3,536 |
| Average total loans | $27,729,500 | 4,536 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3503% | 4,870 |
| Cost of funding earning assets | 0.1275% | 4,794 |
| Net interest margin | 2.2228% | 4,746 |
| Noninterest income to average assets | 0.2783% | 3,815 |
| Noninterest expense to average assets | 2.0471% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2751% | 4,471 |
| Return on assets (ROA) | 0.2751% | 4,536 |
| Pretax return on assets | 0.3612% | 4,468 |
| Return on Equity (ROE) | 1.5590% | 4,615 |
| Retained earnings to average equity (ytd only) | 1.5590% | 4,011 |
| Net charge-offs to loans | 0.0037% | 3,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 340.0000% | 316 |
| Efficiency ratio | 85.0022% | 565 |
| Assets per employee ($millions) | 6.1043% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 28.1781% | 4,791 |
| Net loans and leases to deposits | 34.0708% | 4,783 |
| Net loans and leases to core deposits | 34.3236% | 4,800 |
| Total domestic deposits to total assets | 82.7047% | 3,492 |
| Equity capital to assets | 17.1581% | 323 |
| Core capital (leverage) ratio | 16.7967% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,133,800 | 4,064 |
| Average earning assets | $90,200,600 | 4,024 |
| Average equity | $16,613,200 | 3,491 |
| Average total loans | $27,203,800 | 4,573 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3607% | 4,925 |
| Cost of funding earning assets | 0.1402% | 4,824 |
| Net interest margin | 2.2205% | 4,810 |
| Noninterest income to average assets | 0.2788% | 3,813 |
| Noninterest expense to average assets | 2.0632% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2617% | 4,506 |
| Return on assets (ROA) | 0.2617% | 4,549 |
| Pretax return on assets | 0.3446% | 4,499 |
| Return on Equity (ROE) | 1.4719% | 4,626 |
| Retained earnings to average equity (ytd only) | 1.4719% | 4,092 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6888% | 518 |
| Assets per employee ($millions) | 5.9890% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 28.9573% | 4,844 |
| Net loans and leases to deposits | 35.1672% | 4,839 |
| Net loans and leases to core deposits | 35.4417% | 4,855 |
| Total domestic deposits to total assets | 82.3416% | 3,328 |
| Equity capital to assets | 17.4821% | 338 |
| Core capital (leverage) ratio | 16.7639% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,250,250 | 4,076 |
| Average earning assets | $89,406,000 | 4,033 |
| Average equity | $16,577,000 | 3,498 |
| Average total loans | $27,050,000 | 4,602 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3934% | 4,981 |
| Cost of funding earning assets | 0.1603% | 4,856 |
| Net interest margin | 2.2331% | 4,864 |
| Noninterest income to average assets | 0.2836% | 3,766 |
| Noninterest expense to average assets | 2.1192% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2338% | 4,528 |
| Return on assets (ROA) | 0.2338% | 4,565 |
| Pretax return on assets | 0.3052% | 4,531 |
| Return on Equity (ROE) | 1.3076% | 4,650 |
| Retained earnings to average equity (ytd only) | 1.3076% | 4,006 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4107% | 483 |
| Assets per employee ($millions) | 5.6121% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 28.3190% | 4,882 |
| Net loans and leases to deposits | 34.4292% | 4,879 |
| Net loans and leases to core deposits | 34.6994% | 4,892 |
| Total domestic deposits to total assets | 82.2527% | 3,301 |
| Equity capital to assets | 17.5293% | 332 |
| Core capital (leverage) ratio | 17.3865% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,392,333 | 4,089 |
| Average earning assets | $88,575,667 | 4,047 |
| Average equity | $16,518,667 | 3,500 |
| Average total loans | $26,717,667 | 4,627 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5306% | 5,043 |
| Cost of funding earning assets | 0.1696% | 4,943 |
| Net interest margin | 2.3610% | 4,898 |
| Noninterest income to average assets | 0.2993% | 3,721 |
| Noninterest expense to average assets | 2.2094% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2729% | 4,407 |
| Return on assets (ROA) | 0.2729% | 4,428 |
| Pretax return on assets | 0.3565% | 4,373 |
| Return on Equity (ROE) | 1.5107% | 4,545 |
| Retained earnings to average equity (ytd only) | 1.5107% | 3,601 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1063% | 701 |
| Assets per employee ($millions) | 5.5154% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 27.2925% | 4,944 |
| Net loans and leases to deposits | 33.2947% | 4,940 |
| Net loans and leases to core deposits | 33.5602% | 4,952 |
| Total domestic deposits to total assets | 81.9724% | 3,429 |
| Equity capital to assets | 17.8057% | 370 |
| Core capital (leverage) ratio | 17.7322% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,885,500 | 4,105 |
| Average earning assets | $87,251,500 | 4,065 |
| Average equity | $16,416,000 | 3,521 |
| Average total loans | $26,418,000 | 4,669 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7828% | 5,095 |
| Cost of funding earning assets | 0.1675% | 5,020 |
| Net interest margin | 2.6153% | 4,898 |
| Noninterest income to average assets | 0.3242% | 3,752 |
| Noninterest expense to average assets | 2.2961% | 3,951 |
| Loan and lease loss provision to assets | 0.0094% | 3,822 |
| Net operating income to assets | 0.3887% | 4,611 |
| Return on assets (ROA) | 0.3887% | 4,644 |
| Pretax return on assets | 0.5132% | 4,553 |
| Return on Equity (ROE) | 2.0939% | 4,784 |
| Retained earnings to average equity (ytd only) | 2.0939% | 3,951 |
| Net charge-offs to loans | 0.0072% | 3,421 |
| Credit loss provision to net charge-offs | 400.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 222.5000% | 366 |
| Efficiency ratio | 81.4583% | 834 |
| Assets per employee ($millions) | 5.1770% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 2,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 30.2787% | 4,964 |
| Net loans and leases to deposits | 37.0941% | 4,955 |
| Net loans and leases to core deposits | 37.4096% | 4,979 |
| Total domestic deposits to total assets | 81.6269% | 3,607 |
| Equity capital to assets | 18.3356% | 342 |
| Core capital (leverage) ratio | 18.2762% | 318 |
| Tier 1 risk-based capital ratio | 48.4601% | 144 |
| Total risk-based capital ratio | 49.3647% | 144 |
| Memoranda: | ||
| Average total assets | $85,145,400 | 4,214 |
| Average earning assets | $81,213,800 | 4,164 |
| Average equity | $15,807,600 | 3,563 |
| Average total loans | $27,961,000 | 4,682 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7998% | 5,182 |
| Cost of funding earning assets | 0.1592% | 5,108 |
| Net interest margin | 2.6406% | 4,976 |
| Noninterest income to average assets | 0.3253% | 3,799 |
| Noninterest expense to average assets | 2.2851% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4137% | 4,696 |
| Return on assets (ROA) | 0.4137% | 4,720 |
| Pretax return on assets | 0.5543% | 4,617 |
| Return on Equity (ROE) | 2.2214% | 4,875 |
| Retained earnings to average equity (ytd only) | 2.2214% | 4,196 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4783% | 878 |
| Assets per employee ($millions) | 5.1764% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 3,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 32.0950% | 5,018 |
| Net loans and leases to deposits | 39.2837% | 5,014 |
| Net loans and leases to core deposits | 39.6176% | 5,044 |
| Total domestic deposits to total assets | 81.7007% | 3,559 |
| Equity capital to assets | 18.2595% | 374 |
| Core capital (leverage) ratio | 18.7876% | 305 |
| Tier 1 risk-based capital ratio | 46.2290% | 165 |
| Total risk-based capital ratio | 47.0783% | 168 |
| Memoranda: | ||
| Average total assets | $84,429,500 | 4,273 |
| Average earning assets | $80,384,750 | 4,234 |
| Average equity | $15,725,250 | 3,607 |
| Average total loans | $28,214,500 | 4,744 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8205% | 5,242 |
| Cost of funding earning assets | 0.1491% | 5,164 |
| Net interest margin | 2.6714% | 5,024 |
| Noninterest income to average assets | 0.3268% | 3,756 |
| Noninterest expense to average assets | 2.2609% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4589% | 4,618 |
| Return on assets (ROA) | 0.4589% | 4,650 |
| Pretax return on assets | 0.6055% | 4,534 |
| Return on Equity (ROE) | 2.4470% | 4,882 |
| Retained earnings to average equity (ytd only) | 2.4470% | 3,963 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8768% | 1,067 |
| Assets per employee ($millions) | 4.7805% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 34.5495% | 5,014 |
| Net loans and leases to deposits | 43.0255% | 4,974 |
| Net loans and leases to core deposits | 43.4288% | 5,008 |
| Total domestic deposits to total assets | 80.3000% | 3,971 |
| Equity capital to assets | 19.6705% | 255 |
| Core capital (leverage) ratio | 19.1425% | 266 |
| Tier 1 risk-based capital ratio | 44.7740% | 177 |
| Total risk-based capital ratio | 45.6023% | 177 |
| Memoranda: | ||
| Average total assets | $83,240,000 | 4,322 |
| Average earning assets | $79,135,000 | 4,281 |
| Average equity | $15,611,000 | 3,620 |
| Average total loans | $28,107,330 | 4,785 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7416% | 5,315 |
| Cost of funding earning assets | 0.1199% | 5,255 |
| Net interest margin | 2.6218% | 5,124 |
| Noninterest income to average assets | 0.3229% | 3,703 |
| Noninterest expense to average assets | 2.1704% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4987% | 4,528 |
| Return on assets (ROA) | 0.4987% | 4,547 |
| Pretax return on assets | 0.6459% | 4,429 |
| Return on Equity (ROE) | 2.7231% | 4,847 |
| Retained earnings to average equity (ytd only) | 2.7231% | 3,850 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0658% | 1,371 |
| Assets per employee ($millions) | 5.0015% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 32.0525% | 5,111 |
| Net loans and leases to deposits | 39.2632% | 5,088 |
| Net loans and leases to core deposits | 39.8203% | 5,112 |
| Total domestic deposits to total assets | 81.6350% | 3,820 |
| Equity capital to assets | 18.3073% | 322 |
| Core capital (leverage) ratio | 18.6040% | 299 |
| Tier 1 risk-based capital ratio | 43.1394% | 184 |
| Total risk-based capital ratio | 43.9674% | 186 |
| Memoranda: | ||
| Average total assets | $84,225,500 | 4,350 |
| Average earning assets | $80,098,000 | 4,303 |
| Average equity | $15,423,500 | 3,653 |
| Average total loans | $27,975,500 | 4,840 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5847% | 5,336 |
| Cost of funding earning assets | 0.0928% | 5,301 |
| Net interest margin | 2.4919% | 5,219 |
| Noninterest income to average assets | 0.3401% | 3,836 |
| Noninterest expense to average assets | 2.3396% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2636% | 5,050 |
| Return on assets (ROA) | 0.2636% | 5,043 |
| Pretax return on assets | 0.3707% | 4,967 |
| Return on Equity (ROE) | 1.4828% | 5,113 |
| Retained earnings to average equity (ytd only) | 1.4828% | 4,542 |
| Net charge-offs to loans | 0.0342% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,451 |
| Efficiency ratio | 86.3222% | 510 |
| Assets per employee ($millions) | 4.9074% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 3,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 33.6973% | 5,126 |
| Net loans and leases to deposits | 41.2659% | 5,098 |
| Net loans and leases to core deposits | 41.6764% | 5,131 |
| Total domestic deposits to total assets | 81.6590% | 3,734 |
| Equity capital to assets | 18.3171% | 317 |
| Core capital (leverage) ratio | 17.9037% | 339 |
| Tier 1 risk-based capital ratio | 42.2554% | 203 |
| Total risk-based capital ratio | 43.0876% | 206 |
| Memoranda: | ||
| Average total assets | $84,971,800 | 4,339 |
| Average earning assets | $80,822,400 | 4,303 |
| Average equity | $15,106,600 | 3,629 |
| Average total loans | $26,327,200 | 4,899 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5392% | 5,406 |
| Cost of funding earning assets | 0.0870% | 5,381 |
| Net interest margin | 2.4522% | 5,301 |
| Noninterest income to average assets | 0.3390% | 3,887 |
| Noninterest expense to average assets | 2.3024% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2687% | 5,133 |
| Return on assets (ROA) | 0.2687% | 5,125 |
| Pretax return on assets | 0.3686% | 5,064 |
| Return on Equity (ROE) | 1.5225% | 5,185 |
| Retained earnings to average equity (ytd only) | 1.5225% | 4,719 |
| Net charge-offs to loans | 0.0258% | 2,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 47.1754% | 1,217 |
| Efficiency ratio | 86.1988% | 502 |
| Assets per employee ($millions) | 4.6846% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 3,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 30.7366% | 5,263 |
| Net loans and leases to deposits | 37.4040% | 5,251 |
| Net loans and leases to core deposits | 37.9090% | 5,269 |
| Total domestic deposits to total assets | 82.1745% | 3,555 |
| Equity capital to assets | 17.7994% | 354 |
| Core capital (leverage) ratio | 17.0237% | 417 |
| Tier 1 risk-based capital ratio | 43.3912% | 184 |
| Total risk-based capital ratio | 44.2872% | 187 |
| Memoranda: | ||
| Average total assets | $85,358,500 | 4,383 |
| Average earning assets | $81,178,000 | 4,344 |
| Average equity | $15,063,000 | 3,653 |
| Average total loans | $25,807,750 | 4,973 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4943% | 5,474 |
| Cost of funding earning assets | 0.0808% | 5,443 |
| Net interest margin | 2.4135% | 5,376 |
| Noninterest income to average assets | 0.3337% | 3,950 |
| Noninterest expense to average assets | 2.3010% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2357% | 5,193 |
| Return on assets (ROA) | 0.2357% | 5,188 |
| Pretax return on assets | 0.3337% | 5,124 |
| Return on Equity (ROE) | 1.3394% | 5,239 |
| Retained earnings to average equity (ytd only) | 1.3394% | 4,678 |
| Net charge-offs to loans | 0.0390% | 2,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 28.6000% | 1,550 |
| Efficiency ratio | 87.3339% | 503 |
| Assets per employee ($millions) | 4.7821% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 3,033 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 29.9043% | 5,329 |
| Net loans and leases to deposits | 36.2274% | 5,320 |
| Net loans and leases to core deposits | 36.7042% | 5,337 |
| Total domestic deposits to total assets | 82.5461% | 3,554 |
| Equity capital to assets | 17.4377% | 370 |
| Core capital (leverage) ratio | 17.3752% | 357 |
| Tier 1 risk-based capital ratio | 42.6783% | 198 |
| Total risk-based capital ratio | 43.5551% | 200 |
| Memoranda: | ||
| Average total assets | $85,703,670 | 4,417 |
| Average earning assets | $81,707,000 | 4,373 |
| Average equity | $15,081,000 | 3,672 |
| Average total loans | $25,672,000 | 5,033 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4972% | 5,536 |
| Cost of funding earning assets | 0.0834% | 5,495 |
| Net interest margin | 2.4138% | 5,436 |
| Noninterest income to average assets | 0.3461% | 3,826 |
| Noninterest expense to average assets | 2.2405% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3087% | 5,079 |
| Return on assets (ROA) | 0.3087% | 5,086 |
| Pretax return on assets | 0.4069% | 5,026 |
| Return on Equity (ROE) | 1.7464% | 5,214 |
| Retained earnings to average equity (ytd only) | 1.7464% | 4,430 |
| Net charge-offs to loans | 0.0785% | 1,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 1,582 |
| Efficiency ratio | 84.6290% | 752 |
| Assets per employee ($millions) | 4.3958% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 3,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 31.1363% | 5,344 |
| Net loans and leases to deposits | 37.9851% | 5,320 |
| Net loans and leases to core deposits | 38.1255% | 5,353 |
| Total domestic deposits to total assets | 81.9696% | 3,974 |
| Equity capital to assets | 17.9921% | 316 |
| Core capital (leverage) ratio | 18.2349% | 297 |
| Tier 1 risk-based capital ratio | 49.4003% | 136 |
| Total risk-based capital ratio | 50.3452% | 136 |
| Memoranda: | ||
| Average total assets | $85,516,500 | 4,465 |
| Average earning assets | $81,530,500 | 4,414 |
| Average equity | $15,116,500 | 3,692 |
| Average total loans | $25,489,000 | 5,090 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2989% | 5,586 |
| Cost of funding earning assets | 0.0947% | 5,515 |
| Net interest margin | 2.2043% | 5,535 |
| Noninterest income to average assets | 0.3351% | 4,067 |
| Noninterest expense to average assets | 2.1612% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1361% | 5,211 |
| Return on assets (ROA) | 0.1361% | 5,221 |
| Pretax return on assets | 0.2687% | 5,246 |
| Return on Equity (ROE) | 0.7898% | 5,270 |
| Retained earnings to average equity (ytd only) | 0.7898% | 4,725 |
| Net charge-offs to loans | 0.0043% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 349 |
| Efficiency ratio | 88.9403% | 478 |
| Assets per employee ($millions) | 5.1478% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 27.8519% | 5,471 |
| Net loans and leases to deposits | 33.7179% | 5,463 |
| Net loans and leases to core deposits | 34.4465% | 5,483 |
| Total domestic deposits to total assets | 82.6026% | 3,694 |
| Equity capital to assets | 17.3757% | 367 |
| Core capital (leverage) ratio | 17.6346% | 321 |
| Tier 1 risk-based capital ratio | 45.6699% | 151 |
| Total risk-based capital ratio | 46.5619% | 152 |
| Memoranda: | ||
| Average total assets | $88,931,200 | 4,441 |
| Average earning assets | $84,518,000 | 4,389 |
| Average equity | $15,320,800 | 3,681 |
| Average total loans | $23,518,600 | 5,211 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2602% | 5,657 |
| Cost of funding earning assets | 0.0880% | 5,599 |
| Net interest margin | 2.1722% | 5,609 |
| Noninterest income to average assets | 0.3330% | 4,156 |
| Noninterest expense to average assets | 2.1668% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1389% | 5,409 |
| Return on assets (ROA) | 0.1389% | 5,416 |
| Pretax return on assets | 0.2300% | 5,360 |
| Return on Equity (ROE) | 0.8078% | 5,453 |
| Retained earnings to average equity (ytd only) | 0.8078% | 5,034 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4050% | 397 |
| Assets per employee ($millions) | 4.9341% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 24.5008% | 5,597 |
| Net loans and leases to deposits | 29.3357% | 5,600 |
| Net loans and leases to core deposits | 30.0178% | 5,602 |
| Total domestic deposits to total assets | 83.5186% | 3,282 |
| Equity capital to assets | 16.4580% | 488 |
| Core capital (leverage) ratio | 13.9169% | 912 |
| Tier 1 risk-based capital ratio | 45.7943% | 157 |
| Total risk-based capital ratio | 46.6936% | 157 |
| Memoranda: | ||
| Average total assets | $89,285,750 | 4,479 |
| Average earning assets | $84,828,000 | 4,422 |
| Average equity | $15,349,500 | 3,709 |
| Average total loans | $23,229,250 | 5,270 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2580% | 5,705 |
| Cost of funding earning assets | 0.0983% | 5,603 |
| Net interest margin | 2.1597% | 5,658 |
| Noninterest income to average assets | 0.3531% | 4,031 |
| Noninterest expense to average assets | 2.1732% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1503% | 5,449 |
| Return on assets (ROA) | 0.1503% | 5,450 |
| Pretax return on assets | 0.2324% | 5,404 |
| Return on Equity (ROE) | 0.8615% | 5,490 |
| Retained earnings to average equity (ytd only) | 0.8615% | 4,877 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3409% | 437 |
| Assets per employee ($millions) | 4.9719% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 2,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 25.6372% | 5,617 |
| Net loans and leases to deposits | 30.9995% | 5,619 |
| Net loans and leases to core deposits | 31.7630% | 5,626 |
| Total domestic deposits to total assets | 82.7018% | 3,656 |
| Equity capital to assets | 17.2792% | 385 |
| Core capital (leverage) ratio | 17.8914% | 304 |
| Tier 1 risk-based capital ratio | 50.4354% | 115 |
| Total risk-based capital ratio | 51.4273% | 114 |
| Memoranda: | ||
| Average total assets | $87,798,330 | 4,529 |
| Average earning assets | $83,436,000 | 4,479 |
| Average equity | $15,323,000 | 3,719 |
| Average total loans | $23,215,000 | 5,311 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2382% | 5,777 |
| Cost of funding earning assets | 0.0969% | 5,661 |
| Net interest margin | 2.1413% | 5,728 |
| Noninterest income to average assets | 0.3542% | 4,006 |
| Noninterest expense to average assets | 2.1484% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1656% | 5,439 |
| Return on assets (ROA) | 0.1656% | 5,450 |
| Pretax return on assets | 0.2392% | 5,390 |
| Return on Equity (ROE) | 0.9441% | 5,505 |
| Retained earnings to average equity (ytd only) | 0.9441% | 4,680 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9807% | 558 |
| Assets per employee ($millions) | 4.8281% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 2,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 25.8489% | 5,670 |
| Net loans and leases to deposits | 31.3879% | 5,663 |
| Net loans and leases to core deposits | 32.1857% | 5,663 |
| Total domestic deposits to total assets | 82.3531% | 4,072 |
| Equity capital to assets | 17.6077% | 330 |
| Core capital (leverage) ratio | 17.6984% | 310 |
| Tier 1 risk-based capital ratio | 50.1102% | 130 |
| Total risk-based capital ratio | 51.1074% | 128 |
| Memoranda: | ||
| Average total assets | $86,950,000 | 4,589 |
| Average earning assets | $82,565,000 | 4,539 |
| Average equity | $15,252,500 | 3,751 |
| Average total loans | $23,199,000 | 5,364 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2664% | 5,809 |
| Cost of funding earning assets | 0.0999% | 5,703 |
| Net interest margin | 2.1664% | 5,768 |
| Noninterest income to average assets | 0.3781% | 4,048 |
| Noninterest expense to average assets | 2.0578% | 5,082 |
| Loan and lease loss provision to assets | 0.0140% | 4,104 |
| Net operating income to assets | 0.2199% | 5,380 |
| Return on assets (ROA) | 0.2199% | 5,445 |
| Pretax return on assets | 0.3490% | 5,301 |
| Return on Equity (ROE) | 1.2324% | 5,530 |
| Retained earnings to average equity (ytd only) | 1.2324% | 4,795 |
| Net charge-offs to loans | 0.0084% | 3,979 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 412 |
| Efficiency ratio | 85.0072% | 907 |
| Assets per employee ($millions) | 4.8331% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 26.8153% | 5,709 |
| Net loans and leases to deposits | 32.5025% | 5,708 |
| Net loans and leases to core deposits | 33.3314% | 5,714 |
| Total domestic deposits to total assets | 82.5024% | 3,937 |
| Equity capital to assets | 17.4757% | 339 |
| Core capital (leverage) ratio | 17.5314% | 314 |
| Tier 1 risk-based capital ratio | 49.0860% | 140 |
| Total risk-based capital ratio | 50.0733% | 142 |
| Memoranda: | ||
| Average total assets | $85,966,000 | 4,618 |
| Average earning assets | $81,055,200 | 4,567 |
| Average equity | $15,336,400 | 3,771 |
| Average total loans | $23,915,800 | 5,397 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2792% | 5,875 |
| Cost of funding earning assets | 0.0993% | 5,775 |
| Net interest margin | 2.1799% | 5,826 |
| Noninterest income to average assets | 0.3796% | 4,069 |
| Noninterest expense to average assets | 2.2136% | 4,732 |
| Loan and lease loss provision to assets | 0.0187% | 3,876 |
| Net operating income to assets | 0.1213% | 5,599 |
| Return on assets (ROA) | 0.1213% | 5,652 |
| Pretax return on assets | 0.1960% | 5,572 |
| Return on Equity (ROE) | 0.6767% | 5,684 |
| Retained earnings to average equity (ytd only) | 0.6767% | 5,183 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1595% | 503 |
| Assets per employee ($millions) | 4.7683% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,781 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 27.3427% | 5,769 |
| Net loans and leases to deposits | 33.3831% | 5,765 |
| Net loans and leases to core deposits | 34.3788% | 5,773 |
| Total domestic deposits to total assets | 81.9059% | 3,960 |
| Equity capital to assets | 18.0102% | 346 |
| Core capital (leverage) ratio | 17.8220% | 316 |
| Tier 1 risk-based capital ratio | 49.3231% | 137 |
| Total risk-based capital ratio | 50.3109% | 138 |
| Memoranda: | ||
| Average total assets | $85,708,750 | 4,656 |
| Average earning assets | $80,553,500 | 4,613 |
| Average equity | $15,369,750 | 3,799 |
| Average total loans | $23,987,000 | 5,448 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3157% | 5,954 |
| Cost of funding earning assets | 0.1022% | 5,846 |
| Net interest margin | 2.2135% | 5,898 |
| Noninterest income to average assets | 0.3782% | 4,040 |
| Noninterest expense to average assets | 2.2132% | 4,813 |
| Loan and lease loss provision to assets | 0.0280% | 3,564 |
| Net operating income to assets | 0.1214% | 5,643 |
| Return on assets (ROA) | 0.1214% | 5,690 |
| Pretax return on assets | 0.2101% | 5,610 |
| Return on Equity (ROE) | 0.6780% | 5,732 |
| Retained earnings to average equity (ytd only) | 0.6780% | 5,100 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2857% | 592 |
| Assets per employee ($millions) | 4.5213% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 2,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 26.3608% | 5,864 |
| Net loans and leases to deposits | 32.1854% | 5,849 |
| Net loans and leases to core deposits | 33.1440% | 5,857 |
| Total domestic deposits to total assets | 81.9031% | 4,022 |
| Equity capital to assets | 17.9980% | 343 |
| Core capital (leverage) ratio | 18.0867% | 290 |
| Tier 1 risk-based capital ratio | 49.9967% | 132 |
| Total risk-based capital ratio | 50.9997% | 133 |
| Memoranda: | ||
| Average total assets | $85,668,670 | 4,699 |
| Average earning assets | $80,234,670 | 4,658 |
| Average equity | $15,340,330 | 3,823 |
| Average total loans | $24,058,330 | 5,499 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3424% | 6,011 |
| Cost of funding earning assets | 0.0988% | 5,921 |
| Net interest margin | 2.2436% | 5,947 |
| Noninterest income to average assets | 0.3834% | 3,961 |
| Noninterest expense to average assets | 2.1695% | 4,981 |
| Loan and lease loss provision to assets | 0.0281% | 3,294 |
| Net operating income to assets | 0.2104% | 5,510 |
| Return on assets (ROA) | 0.2104% | 5,574 |
| Pretax return on assets | 0.3086% | 5,493 |
| Return on Equity (ROE) | 1.1780% | 5,664 |
| Retained earnings to average equity (ytd only) | 1.1780% | 4,775 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5672% | 923 |
| Assets per employee ($millions) | 4.4807% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 3,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 28.2758% | 5,867 |
| Net loans and leases to deposits | 34.5425% | 5,857 |
| Net loans and leases to core deposits | 35.5789% | 5,867 |
| Total domestic deposits to total assets | 81.8578% | 4,265 |
| Equity capital to assets | 18.0670% | 318 |
| Core capital (leverage) ratio | 17.8889% | 303 |
| Tier 1 risk-based capital ratio | 48.2031% | 143 |
| Total risk-based capital ratio | 49.1515% | 145 |
| Memoranda: | ||
| Average total assets | $85,551,000 | 4,741 |
| Average earning assets | $80,942,000 | 4,681 |
| Average equity | $15,280,000 | 3,837 |
| Average total loans | $24,612,500 | 5,526 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4506% | 6,014 |
| Cost of funding earning assets | 0.1055% | 5,939 |
| Net interest margin | 2.3451% | 5,923 |
| Noninterest income to average assets | 0.6589% | 2,415 |
| Noninterest expense to average assets | 2.2305% | 4,976 |
| Loan and lease loss provision to assets | 0.0279% | 3,815 |
| Net operating income to assets | 0.3586% | 5,185 |
| Return on assets (ROA) | 0.3586% | 5,269 |
| Pretax return on assets | 0.5995% | 4,839 |
| Return on Equity (ROE) | 2.0406% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.0406% | 4,569 |
| Net charge-offs to loans | 0.0153% | 3,984 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 134.7500% | 458 |
| Efficiency ratio | 78.0448% | 1,960 |
| Assets per employee ($millions) | 5.0570% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 3,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 28.5696% | 5,930 |
| Net loans and leases to deposits | 34.7049% | 5,915 |
| Net loans and leases to core deposits | 35.6060% | 5,928 |
| Total domestic deposits to total assets | 82.3215% | 4,077 |
| Equity capital to assets | 17.6564% | 341 |
| Core capital (leverage) ratio | 17.5506% | 311 |
| Tier 1 risk-based capital ratio | 46.6574% | 150 |
| Total risk-based capital ratio | 47.0824% | 156 |
| Memoranda: | ||
| Average total assets | $85,901,000 | 4,745 |
| Average earning assets | $80,550,800 | 4,701 |
| Average equity | $15,093,800 | 3,826 |
| Average total loans | $26,217,800 | 5,512 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4760% | 6,097 |
| Cost of funding earning assets | 0.1064% | 6,036 |
| Net interest margin | 2.3696% | 5,991 |
| Noninterest income to average assets | 0.7436% | 2,052 |
| Noninterest expense to average assets | 2.2479% | 4,913 |
| Loan and lease loss provision to assets | 0.0279% | 3,687 |
| Net operating income to assets | 0.4595% | 4,937 |
| Return on assets (ROA) | 0.4595% | 5,032 |
| Pretax return on assets | 0.6800% | 4,752 |
| Return on Equity (ROE) | 2.6184% | 5,511 |
| Retained earnings to average equity (ytd only) | 2.6184% | 4,545 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0504% | 2,242 |
| Assets per employee ($millions) | 4.4662% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 4,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 30.4029% | 5,959 |
| Net loans and leases to deposits | 37.1235% | 5,952 |
| Net loans and leases to core deposits | 38.2485% | 5,967 |
| Total domestic deposits to total assets | 81.8966% | 4,196 |
| Equity capital to assets | 18.0350% | 339 |
| Core capital (leverage) ratio | 17.9476% | 305 |
| Tier 1 risk-based capital ratio | 67.1561% | 78 |
| Total risk-based capital ratio | 68.4070% | 77 |
| Memoranda: | ||
| Average total assets | $85,884,000 | 4,806 |
| Average earning assets | $80,181,750 | 4,772 |
| Average equity | $15,072,500 | 3,864 |
| Average total loans | $26,558,750 | 5,565 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4961% | 6,166 |
| Cost of funding earning assets | 0.1045% | 6,114 |
| Net interest margin | 2.3916% | 6,046 |
| Noninterest income to average assets | 0.9023% | 1,435 |
| Noninterest expense to average assets | 2.2499% | 4,975 |
| Loan and lease loss provision to assets | 0.0278% | 3,571 |
| Net operating income to assets | 0.5706% | 4,471 |
| Return on assets (ROA) | 0.5706% | 4,574 |
| Pretax return on assets | 0.8536% | 4,119 |
| Return on Equity (ROE) | 3.2810% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.2810% | 3,963 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8519% | 3,018 |
| Assets per employee ($millions) | 4.5047% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 4,399 |
| Loan loss allowance to noncurrent loans | 28,500.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,920 |
| Noncurrent loans to loans | 0.0038% | 5,763 |
| Net loans and leases to total assets | 30.3088% | 6,028 |
| Net loans and leases to deposits | 36.8391% | 6,010 |
| Net loans and leases to core deposits | 37.9404% | 6,027 |
| Total domestic deposits to total assets | 82.2734% | 4,200 |
| Equity capital to assets | 17.7055% | 363 |
| Core capital (leverage) ratio | 16.2681% | 435 |
| Tier 1 risk-based capital ratio | 67.1025% | 81 |
| Total risk-based capital ratio | 68.3520% | 81 |
| Memoranda: | ||
| Average total assets | $86,226,330 | 4,853 |
| Average earning assets | $80,364,000 | 4,821 |
| Average equity | $14,995,330 | 3,888 |
| Average total loans | $26,715,000 | 5,603 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5100% | 6,220 |
| Cost of funding earning assets | 0.1044% | 6,189 |
| Net interest margin | 2.4056% | 6,098 |
| Noninterest income to average assets | 0.3882% | 4,101 |
| Noninterest expense to average assets | 2.1538% | 5,267 |
| Loan and lease loss provision to assets | 0.0277% | 3,329 |
| Net operating income to assets | 0.2958% | 5,436 |
| Return on assets (ROA) | 0.2958% | 5,533 |
| Pretax return on assets | 0.4437% | 5,339 |
| Return on Equity (ROE) | 1.7163% | 5,749 |
| Retained earnings to average equity (ytd only) | 1.7163% | 4,786 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0423% | 1,610 |
| Assets per employee ($millions) | 4.8380% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 4,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 30.3098% | 6,061 |
| Net loans and leases to deposits | 36.6796% | 6,033 |
| Net loans and leases to core deposits | 37.7487% | 6,047 |
| Total domestic deposits to total assets | 82.6340% | 4,297 |
| Equity capital to assets | 17.2707% | 401 |
| Core capital (leverage) ratio | 17.7854% | 302 |
| Tier 1 risk-based capital ratio | 44.7046% | 202 |
| Total risk-based capital ratio | 45.5412% | 207 |
| Memoranda: | ||
| Average total assets | $86,545,000 | 4,888 |
| Average earning assets | $80,477,500 | 4,853 |
| Average equity | $14,916,000 | 3,928 |
| Average total loans | $26,959,500 | 5,639 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6104% | 6,298 |
| Cost of funding earning assets | 0.1125% | 6,289 |
| Net interest margin | 2.4979% | 6,158 |
| Noninterest income to average assets | 0.4354% | 3,927 |
| Noninterest expense to average assets | 2.4691% | 4,642 |
| Loan and lease loss provision to assets | 0.0426% | 3,712 |
| Net operating income to assets | 0.1679% | 5,832 |
| Return on assets (ROA) | 0.1679% | 5,883 |
| Pretax return on assets | 0.2457% | 5,793 |
| Return on Equity (ROE) | 0.9455% | 5,976 |
| Retained earnings to average equity (ytd only) | 0.9455% | 5,355 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5457% | 876 |
| Assets per employee ($millions) | 4.7781% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 5,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 31.3606% | 6,136 |
| Net loans and leases to deposits | 37.9017% | 6,108 |
| Net loans and leases to core deposits | 38.8847% | 6,127 |
| Total domestic deposits to total assets | 82.7419% | 4,169 |
| Equity capital to assets | 17.1988% | 398 |
| Core capital (leverage) ratio | 17.1349% | 353 |
| Tier 1 risk-based capital ratio | 37.1304% | 283 |
| Total risk-based capital ratio | 37.8133% | 291 |
| Memoranda: | ||
| Average total assets | $82,214,600 | 5,007 |
| Average earning assets | $76,424,600 | 4,970 |
| Average equity | $14,595,800 | 3,915 |
| Average total loans | $27,046,800 | 5,695 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6702% | 6,350 |
| Cost of funding earning assets | 0.1126% | 6,366 |
| Net interest margin | 2.5575% | 6,175 |
| Noninterest income to average assets | 0.4430% | 3,938 |
| Noninterest expense to average assets | 2.4823% | 4,584 |
| Loan and lease loss provision to assets | 0.0476% | 3,425 |
| Net operating income to assets | 0.2264% | 5,794 |
| Return on assets (ROA) | 0.2264% | 5,845 |
| Pretax return on assets | 0.2970% | 5,781 |
| Return on Equity (ROE) | 1.2649% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.2649% | 5,391 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8120% | 1,019 |
| Assets per employee ($millions) | 4.0571% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 5,287 |
| Loan loss allowance to noncurrent loans | 82.1538% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 4,779 |
| Noncurrent loans to loans | 1.1946% | 2,661 |
| Net loans and leases to total assets | 31.6177% | 6,198 |
| Net loans and leases to deposits | 38.2235% | 6,177 |
| Net loans and leases to core deposits | 39.3692% | 6,192 |
| Total domestic deposits to total assets | 82.7181% | 4,230 |
| Equity capital to assets | 17.2115% | 403 |
| Core capital (leverage) ratio | 17.8609% | 308 |
| Tier 1 risk-based capital ratio | 43.2189% | 200 |
| Total risk-based capital ratio | 43.9970% | 200 |
| Memoranda: | ||
| Average total assets | $81,266,750 | 5,082 |
| Average earning assets | $75,748,500 | 5,047 |
| Average equity | $14,546,750 | 3,943 |
| Average total loans | $26,997,250 | 5,755 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6319% | 6,429 |
| Cost of funding earning assets | 0.1099% | 6,446 |
| Net interest margin | 2.5220% | 6,250 |
| Noninterest income to average assets | 0.4502% | 3,872 |
| Noninterest expense to average assets | 2.5289% | 4,486 |
| Loan and lease loss provision to assets | 0.0575% | 3,142 |
| Net operating income to assets | 0.1726% | 5,907 |
| Return on assets (ROA) | 0.1726% | 5,948 |
| Pretax return on assets | 0.2176% | 5,918 |
| Return on Equity (ROE) | 0.9512% | 6,064 |
| Retained earnings to average equity (ytd only) | 0.9512% | 5,376 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1873% | 902 |
| Assets per employee ($millions) | 4.1261% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 5,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 32.2229% | 6,232 |
| Net loans and leases to deposits | 39.1707% | 6,184 |
| Net loans and leases to core deposits | 40.3910% | 6,207 |
| Total domestic deposits to total assets | 82.2629% | 4,563 |
| Equity capital to assets | 17.7116% | 347 |
| Core capital (leverage) ratio | 18.2307% | 284 |
| Tier 1 risk-based capital ratio | 43.5916% | 191 |
| Total risk-based capital ratio | 44.3624% | 197 |
| Memoranda: | ||
| Average total assets | $79,956,000 | 5,159 |
| Average earning assets | $74,622,670 | 5,119 |
| Average equity | $14,507,670 | 3,943 |
| Average total loans | $26,928,000 | 5,798 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6792% | 6,478 |
| Cost of funding earning assets | 0.1074% | 6,541 |
| Net interest margin | 2.5718% | 6,271 |
| Noninterest income to average assets | 0.3508% | 4,572 |
| Noninterest expense to average assets | 2.4862% | 4,665 |
| Loan and lease loss provision to assets | 0.0305% | 3,425 |
| Net operating income to assets | 0.2135% | 5,762 |
| Return on assets (ROA) | 0.2135% | 5,817 |
| Pretax return on assets | 0.2695% | 5,781 |
| Return on Equity (ROE) | 1.1623% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.1623% | 5,138 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2336% | 1,099 |
| Assets per employee ($millions) | 3.1808% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 5,876 |
| Loan loss allowance to noncurrent loans | 24,400.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,351 |
| Noncurrent loans to loans | 0.0037% | 6,182 |
| Net loans and leases to total assets | 33.8925% | 6,185 |
| Net loans and leases to deposits | 41.4726% | 6,104 |
| Net loans and leases to core deposits | 42.8201% | 6,130 |
| Total domestic deposits to total assets | 81.7226% | 5,022 |
| Equity capital to assets | 18.2510% | 312 |
| Core capital (leverage) ratio | 18.7845% | 256 |
| Tier 1 risk-based capital ratio | 43.0290% | 197 |
| Total risk-based capital ratio | 43.7416% | 200 |
| Memoranda: | ||
| Average total assets | $78,673,000 | 5,238 |
| Average earning assets | $74,500,000 | 5,161 |
| Average equity | $14,453,500 | 3,959 |
| Average total loans | $26,966,000 | 5,858 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6785% | 6,556 |
| Cost of funding earning assets | 0.1169% | 6,636 |
| Net interest margin | 2.5616% | 6,312 |
| Noninterest income to average assets | 0.3868% | 4,540 |
| Noninterest expense to average assets | 2.5966% | 4,478 |
| Loan and lease loss provision to assets | 0.0303% | 4,501 |
| Net operating income to assets | 0.0594% | 6,116 |
| Return on assets (ROA) | 0.0594% | 6,164 |
| Pretax return on assets | 0.0872% | 6,108 |
| Return on Equity (ROE) | 0.3245% | 6,195 |
| Retained earnings to average equity (ytd only) | 0.3245% | 5,700 |
| Net charge-offs to loans | 0.0112% | 5,228 |
| Credit loss provision to net charge-offs | 800.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,149 |
| Efficiency ratio | 95.6684% | 657 |
| Assets per employee ($millions) | 3.3838% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 5,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 34.0486% | 6,298 |
| Net loans and leases to deposits | 41.7893% | 6,237 |
| Net loans and leases to core deposits | 43.1896% | 6,262 |
| Total domestic deposits to total assets | 81.4769% | 5,046 |
| Equity capital to assets | 18.4949% | 289 |
| Core capital (leverage) ratio | 18.8778% | 248 |
| Tier 1 risk-based capital ratio | 44.6973% | 170 |
| Total risk-based capital ratio | 45.4214% | 177 |
| Memoranda: | ||
| Average total assets | $79,103,800 | 5,260 |
| Average earning assets | $71,869,000 | 5,261 |
| Average equity | $14,482,800 | 3,968 |
| Average total loans | $26,722,800 | 5,900 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6726% | 6,631 |
| Cost of funding earning assets | 0.1178% | 6,726 |
| Net interest margin | 2.5548% | 6,372 |
| Noninterest income to average assets | 0.4046% | 4,499 |
| Noninterest expense to average assets | 2.5349% | 4,604 |
| Loan and lease loss provision to assets | 0.0302% | 4,403 |
| Net operating income to assets | 0.0067% | 6,289 |
| Return on assets (ROA) | 0.0067% | 6,337 |
| Pretax return on assets | 0.1326% | 6,168 |
| Return on Equity (ROE) | 0.0367% | 6,341 |
| Retained earnings to average equity (ytd only) | 0.0367% | 5,922 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9639% | 740 |
| Assets per employee ($millions) | 3.5278% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 6,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 31.4309% | 6,479 |
| Net loans and leases to deposits | 38.2824% | 6,436 |
| Net loans and leases to core deposits | 39.5003% | 6,463 |
| Total domestic deposits to total assets | 82.1025% | 4,887 |
| Equity capital to assets | 17.8543% | 334 |
| Core capital (leverage) ratio | 18.3727% | 276 |
| Tier 1 risk-based capital ratio | 43.8938% | 185 |
| Total risk-based capital ratio | 44.5979% | 195 |
| Memoranda: | ||
| Average total assets | $79,423,000 | 5,302 |
| Average earning assets | $71,290,250 | 5,325 |
| Average equity | $14,505,000 | 4,013 |
| Average total loans | $26,719,250 | 5,957 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7422% | 6,638 |
| Cost of funding earning assets | 0.1206% | 6,779 |
| Net interest margin | 2.6216% | 6,308 |
| Noninterest income to average assets | 0.4058% | 4,485 |
| Noninterest expense to average assets | 2.9271% | 3,252 |
| Loan and lease loss provision to assets | 0.0304% | 4,323 |
| Net operating income to assets | -0.3399% | 6,574 |
| Return on assets (ROA) | -0.3399% | 6,603 |
| Pretax return on assets | -0.2359% | 6,517 |
| Return on Equity (ROE) | -1.8469% | 6,516 |
| Retained earnings to average equity (ytd only) | -1.8469% | 6,172 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5489% | 318 |
| Assets per employee ($millions) | 4.7470% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 6,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 31.6163% | 6,525 |
| Net loans and leases to deposits | 38.4039% | 6,470 |
| Net loans and leases to core deposits | 39.6291% | 6,487 |
| Total domestic deposits to total assets | 82.3257% | 4,936 |
| Equity capital to assets | 17.6347% | 351 |
| Core capital (leverage) ratio | 18.6270% | 247 |
| Tier 1 risk-based capital ratio | 34.0634% | 367 |
| Total risk-based capital ratio | 34.6009% | 386 |
| Memoranda: | ||
| Average total assets | $78,850,670 | 5,346 |
| Average earning assets | $69,653,330 | 5,402 |
| Average equity | $14,511,000 | 4,045 |
| Average total loans | $27,046,330 | 5,978 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8203% | 6,669 |
| Cost of funding earning assets | 0.1231% | 6,853 |
| Net interest margin | 2.6971% | 6,215 |
| Noninterest income to average assets | 0.4106% | 4,383 |
| Noninterest expense to average assets | 3.1620% | 2,476 |
| Loan and lease loss provision to assets | 0.0308% | 4,068 |
| Net operating income to assets | -0.5030% | 6,670 |
| Return on assets (ROA) | -0.5030% | 6,694 |
| Pretax return on assets | -0.4209% | 6,645 |
| Return on Equity (ROE) | -2.6756% | 6,593 |
| Retained earnings to average equity (ytd only) | -2.6756% | 6,159 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.0741% | 274 |
| Assets per employee ($millions) | 4.3448% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 6,440 |
| Loan loss allowance to noncurrent loans | 52.2248% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 5,027 |
| Noncurrent loans to loans | 1.5518% | 3,217 |
| Net loans and leases to total assets | 34.8989% | 6,369 |
| Net loans and leases to deposits | 42.9676% | 6,274 |
| Net loans and leases to core deposits | 44.4142% | 6,291 |
| Total domestic deposits to total assets | 81.2214% | 5,439 |
| Equity capital to assets | 18.6814% | 291 |
| Core capital (leverage) ratio | 18.6636% | 254 |
| Tier 1 risk-based capital ratio | 41.6223% | 211 |
| Total risk-based capital ratio | 42.2604% | 214 |
| Memoranda: | ||
| Average total assets | $77,926,500 | 5,418 |
| Average earning assets | $68,220,500 | 5,486 |
| Average equity | $14,651,000 | 4,066 |
| Average total loans | $27,698,000 | 6,004 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8439% | 6,840 |
| Cost of funding earning assets | 0.1230% | 6,971 |
| Net interest margin | 2.7208% | 6,490 |
| Noninterest income to average assets | 0.4286% | 4,393 |
| Noninterest expense to average assets | 2.2941% | 5,705 |
| Loan and lease loss provision to assets | 0.0845% | 4,646 |
| Net operating income to assets | 0.2849% | 5,516 |
| Return on assets (ROA) | 0.2849% | 5,729 |
| Pretax return on assets | 0.4752% | 5,355 |
| Return on Equity (ROE) | 1.5538% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.5538% | 5,091 |
| Net charge-offs to loans | 0.0110% | 5,772 |
| Credit loss provision to net charge-offs | 2,233.3333% | 106 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 287 |
| Efficiency ratio | 80.3887% | 2,101 |
| Assets per employee ($millions) | 4.0867% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7783% | 6,524 |
| Loan loss allowance to noncurrent loans | 28.1453% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9930% | 4,048 |
| Noncurrent loans to loans | 2.7654% | 1,911 |
| Net loans and leases to total assets | 35.6266% | 6,458 |
| Net loans and leases to deposits | 43.9765% | 6,369 |
| Net loans and leases to core deposits | 45.4804% | 6,401 |
| Total domestic deposits to total assets | 81.0128% | 5,401 |
| Equity capital to assets | 18.9215% | 274 |
| Core capital (leverage) ratio | 18.4669% | 255 |
| Tier 1 risk-based capital ratio | 35.6687% | 329 |
| Total risk-based capital ratio | 36.1972% | 341 |
| Memoranda: | ||
| Average total assets | $79,335,200 | 5,374 |
| Average earning assets | $70,713,800 | 5,400 |
| Average equity | $14,544,800 | 4,054 |
| Average total loans | $27,221,400 | 6,071 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7578% | 6,986 |
| Cost of funding earning assets | 0.1193% | 7,089 |
| Net interest margin | 2.6386% | 6,714 |
| Noninterest income to average assets | 0.4246% | 4,447 |
| Noninterest expense to average assets | 2.3170% | 5,643 |
| Loan and lease loss provision to assets | 0.0903% | 4,476 |
| Net operating income to assets | 0.2641% | 5,735 |
| Return on assets (ROA) | 0.2641% | 5,929 |
| Pretax return on assets | 0.4213% | 5,669 |
| Return on Equity (ROE) | 1.4520% | 6,164 |
| Retained earnings to average equity (ytd only) | 1.4520% | 5,601 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9149% | 1,820 |
| Assets per employee ($millions) | 4.1676% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7233% | 6,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 35.8818% | 6,558 |
| Net loans and leases to deposits | 44.0641% | 6,497 |
| Net loans and leases to core deposits | 45.3498% | 6,546 |
| Total domestic deposits to total assets | 81.4308% | 5,222 |
| Equity capital to assets | 18.4921% | 327 |
| Core capital (leverage) ratio | 18.5160% | 271 |
| Tier 1 risk-based capital ratio | 39.1366% | 262 |
| Total risk-based capital ratio | 39.6923% | 271 |
| Memoranda: | ||
| Average total assets | $79,757,250 | 5,410 |
| Average earning assets | $72,664,250 | 5,411 |
| Average equity | $14,508,000 | 4,103 |
| Average total loans | $27,056,750 | 6,163 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7001% | 7,077 |
| Cost of funding earning assets | 0.1182% | 7,159 |
| Net interest margin | 2.5818% | 6,834 |
| Noninterest income to average assets | 0.4378% | 4,379 |
| Noninterest expense to average assets | 2.3715% | 5,562 |
| Loan and lease loss provision to assets | 0.0700% | 4,755 |
| Net operating income to assets | 0.2201% | 5,856 |
| Return on assets (ROA) | 0.2201% | 6,040 |
| Pretax return on assets | 0.3452% | 5,841 |
| Return on Equity (ROE) | 1.2169% | 6,260 |
| Retained earnings to average equity (ytd only) | 1.2169% | 5,590 |
| Net charge-offs to loans | 0.0075% | 5,376 |
| Credit loss provision to net charge-offs | 2,800.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 277 |
| Efficiency ratio | 85.0987% | 1,524 |
| Assets per employee ($millions) | 4.2082% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 6,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.2837% | 6,600 |
| Net loans and leases to deposits | 44.4055% | 6,530 |
| Net loans and leases to core deposits | 45.6837% | 6,587 |
| Total domestic deposits to total assets | 81.7099% | 5,231 |
| Equity capital to assets | 18.1925% | 327 |
| Core capital (leverage) ratio | 18.8908% | 250 |
| Tier 1 risk-based capital ratio | 37.6717% | 288 |
| Total risk-based capital ratio | 38.1391% | 298 |
| Memoranda: | ||
| Average total assets | $79,948,000 | 5,434 |
| Average earning assets | $72,738,670 | 5,438 |
| Average equity | $14,463,000 | 4,102 |
| Average total loans | $26,535,670 | 6,230 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6773% | 7,142 |
| Cost of funding earning assets | 0.1219% | 7,224 |
| Net interest margin | 2.5553% | 6,912 |
| Noninterest income to average assets | 0.4403% | 4,369 |
| Noninterest expense to average assets | 2.3967% | 5,485 |
| Loan and lease loss provision to assets | 0.0300% | 4,990 |
| Net operating income to assets | 0.1601% | 6,095 |
| Return on assets (ROA) | 0.1601% | 6,224 |
| Pretax return on assets | 0.3202% | 5,929 |
| Return on Equity (ROE) | 0.8876% | 6,371 |
| Retained earnings to average equity (ytd only) | 0.8876% | 5,708 |
| Net charge-offs to loans | 0.0159% | 4,463 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 476 |
| Efficiency ratio | 87.2495% | 1,361 |
| Assets per employee ($millions) | 4.8632% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6295% | 6,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 30.1691% | 6,904 |
| Net loans and leases to deposits | 36.5831% | 6,868 |
| Net loans and leases to core deposits | 37.0340% | 6,908 |
| Total domestic deposits to total assets | 82.4673% | 5,137 |
| Equity capital to assets | 17.4662% | 383 |
| Core capital (leverage) ratio | 18.9621% | 243 |
| Tier 1 risk-based capital ratio | 38.5401% | 256 |
| Total risk-based capital ratio | 38.9615% | 267 |
| Memoranda: | ||
| Average total assets | $79,944,000 | 5,476 |
| Average earning assets | $72,162,500 | 5,490 |
| Average equity | $14,421,500 | 4,111 |
| Average total loans | $25,208,000 | 6,356 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0891% | 7,152 |
| Cost of funding earning assets | 0.1585% | 7,274 |
| Net interest margin | 2.9306% | 6,640 |
| Noninterest income to average assets | 0.4848% | 3,960 |
| Noninterest expense to average assets | 2.4558% | 5,619 |
| Loan and lease loss provision to assets | 0.0332% | 6,147 |
| Net operating income to assets | 0.3712% | 4,990 |
| Return on assets (ROA) | 0.3712% | 5,160 |
| Pretax return on assets | 0.6344% | 4,578 |
| Return on Equity (ROE) | 1.8778% | 5,709 |
| Retained earnings to average equity (ytd only) | 1.8778% | 4,874 |
| Net charge-offs to loans | 0.0269% | 6,054 |
| Credit loss provision to net charge-offs | 342.8571% | 671 |
| Earnings coverage of net charge-offs (x) | 68.8571% | 435 |
| Efficiency ratio | 78.6253% | 2,509 |
| Assets per employee ($millions) | 4.0639% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6044% | 7,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 32.5886% | 6,926 |
| Net loans and leases to deposits | 40.0806% | 6,879 |
| Net loans and leases to core deposits | 40.2995% | 6,935 |
| Total domestic deposits to total assets | 81.3078% | 5,359 |
| Equity capital to assets | 18.6534% | 301 |
| Core capital (leverage) ratio | 20.1701% | 197 |
| Tier 1 risk-based capital ratio | 41.0267% | 217 |
| Total risk-based capital ratio | 41.4620% | 219 |
| Memoranda: | ||
| Average total assets | $72,195,800 | 5,687 |
| Average earning assets | $65,003,600 | 5,701 |
| Average equity | $14,271,800 | 4,052 |
| Average total loans | $25,984,600 | 6,358 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1837% | 7,216 |
| Cost of funding earning assets | 0.1665% | 7,354 |
| Net interest margin | 3.0172% | 6,550 |
| Noninterest income to average assets | 0.4905% | 3,942 |
| Noninterest expense to average assets | 2.4921% | 5,489 |
| Loan and lease loss provision to assets | 0.0338% | 6,017 |
| Net operating income to assets | 0.3759% | 5,097 |
| Return on assets (ROA) | 0.3759% | 5,283 |
| Pretax return on assets | 0.6559% | 4,622 |
| Return on Equity (ROE) | 1.8727% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.8727% | 5,206 |
| Net charge-offs to loans | 0.0051% | 6,113 |
| Credit loss provision to net charge-offs | 1,800.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 367.9098% | 100 |
| Efficiency ratio | 78.3225% | 2,502 |
| Assets per employee ($millions) | 3.6842% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6008% | 7,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 36.1648% | 6,862 |
| Net loans and leases to deposits | 45.5028% | 6,759 |
| Net loans and leases to core deposits | 45.7834% | 6,851 |
| Total domestic deposits to total assets | 79.4783% | 5,875 |
| Equity capital to assets | 20.4860% | 228 |
| Core capital (leverage) ratio | 20.3480% | 201 |
| Tier 1 risk-based capital ratio | 43.3613% | 198 |
| Total risk-based capital ratio | 43.8237% | 205 |
| Memoranda: | ||
| Average total assets | $70,941,250 | 5,759 |
| Average earning assets | $63,279,750 | 5,796 |
| Average equity | $14,239,000 | 4,083 |
| Average total loans | $26,151,750 | 6,414 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2186% | 7,276 |
| Cost of funding earning assets | 0.1716% | 7,429 |
| Net interest margin | 3.0470% | 6,511 |
| Noninterest income to average assets | 0.4800% | 4,029 |
| Noninterest expense to average assets | 2.5177% | 5,463 |
| Loan and lease loss provision to assets | 0.0337% | 5,894 |
| Net operating income to assets | 0.3312% | 5,242 |
| Return on assets (ROA) | 0.3312% | 5,381 |
| Pretax return on assets | 0.6203% | 4,674 |
| Return on Equity (ROE) | 1.6613% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.6613% | 5,162 |
| Net charge-offs to loans | 0.0076% | 5,756 |
| Credit loss provision to net charge-offs | 1,200.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 156 |
| Efficiency ratio | 79.3805% | 2,492 |
| Assets per employee ($millions) | 3.7842% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5667% | 7,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 35.8739% | 6,966 |
| Net loans and leases to deposits | 44.8028% | 6,892 |
| Net loans and leases to core deposits | 45.5497% | 6,958 |
| Total domestic deposits to total assets | 80.0707% | 5,805 |
| Equity capital to assets | 19.8445% | 268 |
| Core capital (leverage) ratio | 20.6615% | 197 |
| Tier 1 risk-based capital ratio | 41.2620% | 226 |
| Total risk-based capital ratio | 41.6872% | 233 |
| Memoranda: | ||
| Average total assets | $71,255,330 | 5,791 |
| Average earning assets | $62,947,000 | 5,856 |
| Average equity | $14,205,330 | 4,085 |
| Average total loans | $26,379,670 | 6,462 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2473% | 7,325 |
| Cost of funding earning assets | 0.1696% | 7,498 |
| Net interest margin | 3.0777% | 6,403 |
| Noninterest income to average assets | 0.4624% | 4,169 |
| Noninterest expense to average assets | 2.6222% | 5,145 |
| Loan and lease loss provision to assets | 0.0338% | 5,552 |
| Net operating income to assets | 0.2707% | 5,539 |
| Return on assets (ROA) | 0.2707% | 5,597 |
| Pretax return on assets | 0.5695% | 4,804 |
| Return on Equity (ROE) | 1.3546% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.3546% | 5,285 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2937% | 2,331 |
| Assets per employee ($millions) | 3.7380% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5387% | 7,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 36.9181% | 6,961 |
| Net loans and leases to deposits | 46.2051% | 6,830 |
| Net loans and leases to core deposits | 46.2051% | 6,962 |
| Total domestic deposits to total assets | 79.9006% | 5,970 |
| Equity capital to assets | 19.9910% | 261 |
| Core capital (leverage) ratio | 20.5613% | 199 |
| Tier 1 risk-based capital ratio | 40.5044% | 230 |
| Total risk-based capital ratio | 40.9095% | 240 |
| Memoranda: | ||
| Average total assets | $70,933,500 | 5,848 |
| Average earning assets | $63,684,500 | 5,872 |
| Average equity | $14,174,000 | 4,078 |
| Average total loans | $26,599,500 | 6,496 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 7,364 |
| Cost of funding earning assets | 0.2231% | 7,542 |
| Net interest margin | 3.3374% | 5,845 |
| Noninterest income to average assets | 0.5543% | 3,793 |
| Noninterest expense to average assets | 2.6550% | 5,193 |
| Loan and lease loss provision to assets | 0.0269% | 6,856 |
| Net operating income to assets | 0.5842% | 3,740 |
| Return on assets (ROA) | 0.5842% | 3,903 |
| Pretax return on assets | 0.9114% | 3,239 |
| Return on Equity (ROE) | 2.8040% | 5,033 |
| Retained earnings to average equity (ytd only) | 2.8040% | 3,889 |
| Net charge-offs to loans | 0.0038% | 6,812 |
| Credit loss provision to net charge-offs | 1,800.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 628.0000% | 31 |
| Efficiency ratio | 73.8877% | 3,416 |
| Assets per employee ($millions) | 3.7287% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5068% | 7,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 37.6893% | 7,091 |
| Net loans and leases to deposits | 47.1316% | 6,992 |
| Net loans and leases to core deposits | 47.4170% | 7,098 |
| Total domestic deposits to total assets | 79.9661% | 5,846 |
| Equity capital to assets | 19.9732% | 261 |
| Core capital (leverage) ratio | 19.9692% | 238 |
| Tier 1 risk-based capital ratio | 38.9872% | 258 |
| Total risk-based capital ratio | 39.3619% | 269 |
| Memoranda: | ||
| Average total assets | $66,929,800 | 5,964 |
| Average earning assets | $60,945,600 | 5,960 |
| Average equity | $13,944,600 | 4,154 |
| Average total loans | $26,565,200 | 6,581 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 7,478 |
| Cost of funding earning assets | 0.2267% | 7,665 |
| Net interest margin | 3.4143% | 5,620 |
| Noninterest income to average assets | 0.5782% | 3,594 |
| Noninterest expense to average assets | 2.7393% | 4,725 |
| Loan and lease loss provision to assets | 0.0243% | 6,820 |
| Net operating income to assets | 0.5378% | 4,146 |
| Return on assets (ROA) | 0.5378% | 4,315 |
| Pretax return on assets | 0.9198% | 3,495 |
| Return on Equity (ROE) | 2.5528% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.5528% | 4,635 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3688% | 3,252 |
| Assets per employee ($millions) | 3.5051% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4794% | 7,476 |
| Loan loss allowance to noncurrent loans | 170.1299% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 7,083 |
| Noncurrent loans to loans | 0.2818% | 6,626 |
| Net loans and leases to total assets | 38.7892% | 7,139 |
| Net loans and leases to deposits | 48.5415% | 7,063 |
| Net loans and leases to core deposits | 48.8388% | 7,169 |
| Total domestic deposits to total assets | 79.9093% | 5,736 |
| Equity capital to assets | 20.0066% | 288 |
| Core capital (leverage) ratio | 20.5455% | 227 |
| Tier 1 risk-based capital ratio | 37.7900% | 288 |
| Total risk-based capital ratio | 38.1430% | 301 |
| Memoranda: | ||
| Average total assets | $65,951,000 | 6,071 |
| Average earning assets | $59,981,250 | 6,063 |
| Average equity | $13,893,250 | 4,225 |
| Average total loans | $26,497,250 | 6,680 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 7,537 |
| Cost of funding earning assets | 0.2242% | 7,740 |
| Net interest margin | 3.4609% | 5,398 |
| Noninterest income to average assets | 0.6133% | 3,234 |
| Noninterest expense to average assets | 2.8188% | 4,398 |
| Loan and lease loss provision to assets | 0.0186% | 6,741 |
| Net operating income to assets | 0.6133% | 3,823 |
| Return on assets (ROA) | 0.6133% | 3,958 |
| Pretax return on assets | 0.9324% | 3,382 |
| Return on Equity (ROE) | 2.8593% | 5,300 |
| Retained earnings to average equity (ytd only) | 2.8593% | 4,321 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7740% | 3,310 |
| Assets per employee ($millions) | 3.4693% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4511% | 7,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 39.7593% | 7,178 |
| Net loans and leases to deposits | 49.8032% | 7,076 |
| Net loans and leases to core deposits | 50.1117% | 7,203 |
| Total domestic deposits to total assets | 79.8328% | 5,778 |
| Equity capital to assets | 20.1167% | 280 |
| Core capital (leverage) ratio | 20.8046% | 208 |
| Tier 1 risk-based capital ratio | 37.6866% | 286 |
| Total risk-based capital ratio | 38.0241% | 301 |
| Memoranda: | ||
| Average total assets | $64,567,330 | 6,158 |
| Average earning assets | $58,887,000 | 6,145 |
| Average equity | $13,849,330 | 4,234 |
| Average total loans | $26,222,000 | 6,732 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 7,600 |
| Cost of funding earning assets | 0.2183% | 7,849 |
| Net interest margin | 3.5557% | 4,920 |
| Noninterest income to average assets | 0.6306% | 3,076 |
| Noninterest expense to average assets | 3.2111% | 2,815 |
| Loan and lease loss provision to assets | 0.0193% | 6,447 |
| Net operating income to assets | 0.4312% | 4,705 |
| Return on assets (ROA) | 0.4312% | 4,839 |
| Pretax return on assets | 0.6500% | 4,415 |
| Return on Equity (ROE) | 1.9427% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.9427% | 4,966 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7529% | 2,171 |
| Assets per employee ($millions) | 2.7368% | 6,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4868% | 7,598 |
| Loan loss allowance to noncurrent loans | 12.6294% | 7,275 |
| Noncurrent assets plus other real estate owned to assets | 1.5346% | 4,203 |
| Noncurrent loans to loans | 3.8546% | 2,055 |
| Net loans and leases to total assets | 39.6190% | 7,273 |
| Net loans and leases to deposits | 50.8471% | 7,088 |
| Net loans and leases to core deposits | 51.2042% | 7,239 |
| Total domestic deposits to total assets | 77.9179% | 6,337 |
| Equity capital to assets | 21.9725% | 208 |
| Core capital (leverage) ratio | 22.3734% | 178 |
| Tier 1 risk-based capital ratio | 36.1822% | 324 |
| Total risk-based capital ratio | 36.5013% | 344 |
| Memoranda: | ||
| Average total assets | $62,158,500 | 6,301 |
| Average earning assets | $56,810,000 | 6,287 |
| Average equity | $13,795,000 | 4,288 |
| Average total loans | $25,477,000 | 6,848 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 7,635 |
| Cost of funding earning assets | 0.3325% | 7,889 |
| Net interest margin | 3.8076% | 3,670 |
| Noninterest income to average assets | 0.5884% | 3,728 |
| Noninterest expense to average assets | 3.2744% | 3,107 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4979% | 3,738 |
| Return on assets (ROA) | 0.4979% | 3,838 |
| Pretax return on assets | 0.6914% | 3,604 |
| Return on Equity (ROE) | 2.3462% | 4,769 |
| Retained earnings to average equity (ytd only) | 2.3462% | 3,478 |
| Net charge-offs to loans | 0.0235% | 6,907 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 73.8333% | 371 |
| Efficiency ratio | 82.5659% | 2,541 |
| Assets per employee ($millions) | 2.7895% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4596% | 7,703 |
| Loan loss allowance to noncurrent loans | 11,900.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 7,544 |
| Noncurrent loans to loans | 0.0039% | 7,442 |
| Net loans and leases to total assets | 41.9977% | 7,250 |
| Net loans and leases to deposits | 54.7172% | 7,004 |
| Net loans and leases to core deposits | 57.9022% | 7,343 |
| Total domestic deposits to total assets | 76.7541% | 6,543 |
| Equity capital to assets | 22.4197% | 217 |
| Core capital (leverage) ratio | 22.1280% | 205 |
| Tier 1 risk-based capital ratio | 41.1466% | 229 |
| Total risk-based capital ratio | 41.5024% | 240 |
| Memoranda: | ||
| Average total assets | $64,072,800 | 6,194 |
| Average earning assets | $56,833,600 | 6,257 |
| Average equity | $13,596,600 | 4,362 |
| Average total loans | $25,537,200 | 6,881 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 7,722 |
| Cost of funding earning assets | 0.3619% | 7,979 |
| Net interest margin | 3.8394% | 3,484 |
| Noninterest income to average assets | 0.5992% | 3,719 |
| Noninterest expense to average assets | 3.2288% | 3,197 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4860% | 4,047 |
| Return on assets (ROA) | 0.4860% | 4,145 |
| Pretax return on assets | 0.7351% | 3,750 |
| Return on Equity (ROE) | 2.3212% | 5,053 |
| Retained earnings to average equity (ytd only) | 2.3212% | 4,024 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4545% | 2,655 |
| Assets per employee ($millions) | 2.8501% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5105% | 7,698 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 7,615 |
| Noncurrent loans to loans | 0.0041% | 7,526 |
| Net loans and leases to total assets | 38.8546% | 7,517 |
| Net loans and leases to deposits | 49.7702% | 7,421 |
| Net loans and leases to core deposits | 52.0688% | 7,644 |
| Total domestic deposits to total assets | 78.0680% | 6,070 |
| Equity capital to assets | 21.8108% | 253 |
| Core capital (leverage) ratio | 21.6464% | 242 |
| Tier 1 risk-based capital ratio | 41.2948% | 263 |
| Total risk-based capital ratio | 41.6722% | 275 |
| Memoranda: | ||
| Average total assets | $64,748,500 | 6,218 |
| Average earning assets | $56,743,500 | 6,303 |
| Average equity | $13,556,000 | 4,402 |
| Average total loans | $25,448,250 | 6,943 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 7,791 |
| Cost of funding earning assets | 0.3962% | 8,072 |
| Net interest margin | 3.8709% | 3,244 |
| Noninterest income to average assets | 0.5991% | 3,704 |
| Noninterest expense to average assets | 3.1942% | 3,350 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3760% | 4,597 |
| Return on assets (ROA) | 0.3760% | 4,701 |
| Pretax return on assets | 0.7795% | 3,746 |
| Return on Equity (ROE) | 1.8201% | 5,366 |
| Retained earnings to average equity (ytd only) | 1.8201% | 4,328 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3846% | 2,980 |
| Assets per employee ($millions) | 2.9597% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4946% | 7,796 |
| Loan loss allowance to noncurrent loans | 6,250.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,654 |
| Noncurrent loans to loans | 0.0079% | 7,547 |
| Net loans and leases to total assets | 38.6206% | 7,616 |
| Net loans and leases to deposits | 48.8519% | 7,532 |
| Net loans and leases to core deposits | 50.8976% | 7,744 |
| Total domestic deposits to total assets | 79.0564% | 5,795 |
| Equity capital to assets | 20.8299% | 338 |
| Core capital (leverage) ratio | 20.7224% | 326 |
| Tier 1 risk-based capital ratio | 39.9393% | 307 |
| Total risk-based capital ratio | 40.3074% | 322 |
| Memoranda: | ||
| Average total assets | $65,430,330 | 6,246 |
| Average earning assets | $57,041,000 | 6,348 |
| Average equity | $13,516,000 | 4,418 |
| Average total loans | $25,768,330 | 6,983 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 7,800 |
| Cost of funding earning assets | 0.4402% | 8,120 |
| Net interest margin | 3.9551% | 2,834 |
| Noninterest income to average assets | 0.6160% | 3,436 |
| Noninterest expense to average assets | 3.1225% | 3,293 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6404% | 3,836 |
| Return on assets (ROA) | 0.6404% | 4,020 |
| Pretax return on assets | 0.9453% | 3,549 |
| Return on Equity (ROE) | 3.1128% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.1128% | 4,139 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7616% | 3,362 |
| Assets per employee ($millions) | 2.6736% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4823% | 7,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 38.5927% | 7,636 |
| Net loans and leases to deposits | 48.4978% | 7,556 |
| Net loans and leases to core deposits | 50.1098% | 7,789 |
| Total domestic deposits to total assets | 79.5763% | 5,513 |
| Equity capital to assets | 20.2651% | 404 |
| Core capital (leverage) ratio | 21.0470% | 347 |
| Tier 1 risk-based capital ratio | 38.7288% | 343 |
| Total risk-based capital ratio | 39.0862% | 354 |
| Memoranda: | ||
| Average total assets | $65,589,000 | 6,270 |
| Average earning assets | $57,243,000 | 6,367 |
| Average equity | $13,492,500 | 4,449 |
| Average total loans | $26,016,500 | 7,002 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 7,992 |
| Cost of funding earning assets | 0.8136% | 8,119 |
| Net interest margin | 3.8325% | 3,880 |
| Noninterest income to average assets | 0.6301% | 3,634 |
| Noninterest expense to average assets | 3.1815% | 3,408 |
| Loan and lease loss provision to assets | 0.0029% | 7,312 |
| Net operating income to assets | 0.6154% | 4,239 |
| Return on assets (ROA) | 0.6154% | 4,097 |
| Pretax return on assets | 0.9408% | 3,584 |
| Return on Equity (ROE) | 3.1748% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.1748% | 3,171 |
| Net charge-offs to loans | 0.0084% | 6,817 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 320.5000% | 150 |
| Efficiency ratio | 77.1235% | 3,057 |
| Assets per employee ($millions) | 2.4746% | 7,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4787% | 7,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 40.3923% | 7,652 |
| Net loans and leases to deposits | 52.1931% | 7,525 |
| Net loans and leases to core deposits | 54.3421% | 7,790 |
| Total domestic deposits to total assets | 77.3901% | 5,899 |
| Equity capital to assets | 20.8894% | 412 |
| Core capital (leverage) ratio | 20.5153% | 402 |
| Tier 1 risk-based capital ratio | 40.5088% | 333 |
| Total risk-based capital ratio | 40.8855% | 343 |
| Memoranda: | ||
| Average total assets | $67,923,200 | 6,092 |
| Average earning assets | $61,944,200 | 6,087 |
| Average equity | $13,166,000 | 4,529 |
| Average total loans | $23,677,600 | 7,094 |