Home > Tower Community Bank > Performance and Condition Ratios
Tower Community 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 | 6.5659% | 566 |
| Cost of funding earning assets | 2.2005% | 1,441 |
| Net interest margin | 4.3654% | 776 |
| Noninterest income to average assets | 0.9700% | 600 |
| Noninterest expense to average assets | 3.3980% | 670 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | 0.9439% | 2,441 |
| Return on assets (ROA) | 0.9266% | 2,489 |
| Pretax return on assets | 1.3631% | 1,825 |
| Return on Equity (ROE) | 9.6500% | 2,421 |
| Retained earnings to average equity (ytd only) | 5.9494% | 2,287 |
| Net charge-offs to loans | 0.8243% | 193 |
| Credit loss provision to net charge-offs | 29.1262% | 1,628 |
| Earnings coverage of net charge-offs (x) | 2.4951% | 2,068 |
| Efficiency ratio | 67.6483% | 2,080 |
| Assets per employee ($millions) | 5.3429% | 3,434 |
| Cash dividends to net income (ytd only)* | 38.3352% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 3,491 |
| Loan loss allowance to noncurrent loans | 151.6667% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 903 |
| Noncurrent loans to loans | 0.6181% | 1,610 |
| Net loans and leases to total assets | 74.4000% | 1,286 |
| Net loans and leases to deposits | 84.7392% | 1,622 |
| Net loans and leases to core deposits | 100.7554% | 1,318 |
| Total domestic deposits to total assets | 87.8000% | 1,622 |
| Equity capital to assets | 9.5464% | 2,533 |
| Core capital (leverage) ratio | 9.3337% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $394,110,000 | 2,090 |
| Average earning assets | $360,467,500 | 2,106 |
| Average equity | $37,852,500 | 2,114 |
| Average total loans | $299,891,000 | 1,884 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8808% | 455 |
| Cost of funding earning assets | 2.5184% | 1,118 |
| Net interest margin | 4.3624% | 766 |
| Noninterest income to average assets | 1.2100% | 447 |
| Noninterest expense to average assets | 3.4828% | 604 |
| Loan and lease loss provision to assets | 0.2500% | 506 |
| Net operating income to assets | 1.0591% | 1,878 |
| Return on assets (ROA) | 1.0453% | 1,915 |
| Pretax return on assets | 1.4166% | 1,469 |
| Return on Equity (ROE) | 11.5400% | 1,731 |
| Retained earnings to average equity (ytd only) | 7.6649% | 1,226 |
| Net charge-offs to loans | 0.1069% | 1,129 |
| Credit loss provision to net charge-offs | 300.3003% | 858 |
| Earnings coverage of net charge-offs (x) | 20.1261% | 1,833 |
| Efficiency ratio | 66.7298% | 2,401 |
| Assets per employee ($millions) | 5.0988% | 3,567 |
| Cash dividends to net income (ytd only)* | 33.5973% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 2,738 |
| Loan loss allowance to noncurrent loans | 114.7992% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 1,016 |
| Noncurrent loans to loans | 0.9497% | 1,052 |
| Net loans and leases to total assets | 76.2800% | 1,110 |
| Net loans and leases to deposits | 87.1569% | 1,479 |
| Net loans and leases to core deposits | 104.2856% | 1,217 |
| Total domestic deposits to total assets | 87.5200% | 1,695 |
| Equity capital to assets | 9.6646% | 2,328 |
| Core capital (leverage) ratio | 9.2558% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $398,642,800 | 2,049 |
| Average earning assets | $361,616,800 | 2,061 |
| Average equity | $36,099,400 | 2,132 |
| Average total loans | $311,575,400 | 1,814 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9314% | 422 |
| Cost of funding earning assets | 2.5271% | 1,124 |
| Net interest margin | 4.4043% | 709 |
| Noninterest income to average assets | 1.1700% | 465 |
| Noninterest expense to average assets | 3.3945% | 648 |
| Loan and lease loss provision to assets | 0.2800% | 384 |
| Net operating income to assets | 1.0233% | 1,974 |
| Return on assets (ROA) | 1.0117% | 2,012 |
| Pretax return on assets | 1.4707% | 1,360 |
| Return on Equity (ROE) | 11.3600% | 1,796 |
| Retained earnings to average equity (ytd only) | 8.7466% | 1,175 |
| Net charge-offs to loans | 0.1055% | 955 |
| Credit loss provision to net charge-offs | 341.3655% | 794 |
| Earnings coverage of net charge-offs (x) | 21.3373% | 1,704 |
| Efficiency ratio | 65.1387% | 2,576 |
| Assets per employee ($millions) | 5.0703% | 3,600 |
| Cash dividends to net income (ytd only)* | 22.9810% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 2,954 |
| Loan loss allowance to noncurrent loans | 130.9680% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 1,178 |
| Noncurrent loans to loans | 0.8091% | 1,233 |
| Net loans and leases to total assets | 74.4300% | 1,310 |
| Net loans and leases to deposits | 86.2719% | 1,605 |
| Net loans and leases to core deposits | 102.8351% | 1,309 |
| Total domestic deposits to total assets | 86.2700% | 1,835 |
| Equity capital to assets | 9.3768% | 2,771 |
| Core capital (leverage) ratio | 8.8961% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9840% | 1,896 |
| Memoranda: | ||
| Average total assets | $401,427,250 | 2,036 |
| Average earning assets | $363,457,250 | 2,060 |
| Average equity | $35,761,500 | 2,139 |
| Average total loans | $314,759,000 | 1,801 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9532% | 387 |
| Cost of funding earning assets | 2.4926% | 1,096 |
| Net interest margin | 4.4606% | 656 |
| Noninterest income to average assets | 1.1500% | 483 |
| Noninterest expense to average assets | 3.3635% | 673 |
| Loan and lease loss provision to assets | 0.3500% | 272 |
| Net operating income to assets | 1.0072% | 1,969 |
| Return on assets (ROA) | 0.9982% | 2,007 |
| Pretax return on assets | 1.4498% | 1,373 |
| Return on Equity (ROE) | 11.4000% | 1,772 |
| Retained earnings to average equity (ytd only) | 7.4227% | 1,534 |
| Net charge-offs to loans | 0.1460% | 681 |
| Credit loss provision to net charge-offs | 300.4292% | 811 |
| Earnings coverage of net charge-offs (x) | 15.5794% | 1,770 |
| Efficiency ratio | 64.3944% | 2,722 |
| Assets per employee ($millions) | 5.4658% | 3,251 |
| Cash dividends to net income (ytd only)* | 34.9127% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 3,493 |
| Loan loss allowance to noncurrent loans | 277.4955% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 2,046 |
| Noncurrent loans to loans | 0.3440% | 2,163 |
| Net loans and leases to total assets | 78.4600% | 852 |
| Net loans and leases to deposits | 91.4218% | 1,177 |
| Net loans and leases to core deposits | 108.4557% | 1,034 |
| Total domestic deposits to total assets | 85.8200% | 2,035 |
| Equity capital to assets | 8.8659% | 2,831 |
| Core capital (leverage) ratio | 8.5951% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3843% | 2,462 |
| Memoranda: | ||
| Average total assets | $401,718,667 | 2,039 |
| Average earning assets | $362,507,333 | 2,060 |
| Average equity | $35,162,333 | 2,133 |
| Average total loans | $319,242,000 | 1,783 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8687% | 394 |
| Cost of funding earning assets | 2.4420% | 1,096 |
| Net interest margin | 4.4267% | 639 |
| Noninterest income to average assets | 1.2400% | 414 |
| Noninterest expense to average assets | 3.4461% | 600 |
| Loan and lease loss provision to assets | 0.4500% | 179 |
| Net operating income to assets | 0.8972% | 2,236 |
| Return on assets (ROA) | 0.8912% | 2,271 |
| Pretax return on assets | 1.3029% | 1,636 |
| Return on Equity (ROE) | 10.2500% | 2,062 |
| Retained earnings to average equity (ytd only) | 6.2275% | 2,039 |
| Net charge-offs to loans | 0.0038% | 2,010 |
| Credit loss provision to net charge-offs | 15,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 586.6667% | 172 |
| Efficiency ratio | 65.5404% | 2,636 |
| Assets per employee ($millions) | 5.2889% | 3,435 |
| Cash dividends to net income (ytd only)* | 39.2377% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,567 |
| Loan loss allowance to noncurrent loans | 323.1915% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 2,168 |
| Noncurrent loans to loans | 0.2905% | 2,276 |
| Net loans and leases to total assets | 78.7100% | 760 |
| Net loans and leases to deposits | 92.5872% | 983 |
| Net loans and leases to core deposits | 107.7067% | 1,034 |
| Total domestic deposits to total assets | 85.0200% | 2,400 |
| Equity capital to assets | 8.5988% | 2,953 |
| Core capital (leverage) ratio | 8.4888% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3539% | 2,471 |
| Memoranda: | ||
| Average total assets | $400,342,000 | 2,045 |
| Average earning assets | $358,554,000 | 2,076 |
| Average equity | $34,813,500 | 2,147 |
| Average total loans | $318,666,500 | 1,774 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3470% | 407 |
| Cost of funding earning assets | 1.9031% | 1,063 |
| Net interest margin | 4.4440% | 664 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 3.7942% | 430 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.7164% | 3,145 |
| Return on assets (ROA) | 0.7011% | 3,162 |
| Pretax return on assets | 0.9544% | 2,802 |
| Return on Equity (ROE) | 8.0200% | 3,019 |
| Retained earnings to average equity (ytd only) | 3.8561% | 3,012 |
| Net charge-offs to loans | 0.1978% | 540 |
| Credit loss provision to net charge-offs | 129.3532% | 1,604 |
| Earnings coverage of net charge-offs (x) | 7.4826% | 2,406 |
| Efficiency ratio | 75.8868% | 1,251 |
| Assets per employee ($millions) | 4.6838% | 3,839 |
| Cash dividends to net income (ytd only)* | 51.8903% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 3,902 |
| Loan loss allowance to noncurrent loans | 771.1310% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 2,884 |
| Noncurrent loans to loans | 0.1071% | 3,002 |
| Net loans and leases to total assets | 79.0800% | 754 |
| Net loans and leases to deposits | 92.8109% | 1,026 |
| Net loans and leases to core deposits | 108.6366% | 1,008 |
| Total domestic deposits to total assets | 85.2100% | 2,244 |
| Equity capital to assets | 8.7965% | 2,833 |
| Core capital (leverage) ratio | 8.7458% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0729% | 2,565 |
| Memoranda: | ||
| Average total assets | $384,845,800 | 2,058 |
| Average earning assets | $351,014,800 | 2,088 |
| Average equity | $33,661,200 | 2,111 |
| Average total loans | $304,867,600 | 1,773 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2436% | 396 |
| Cost of funding earning assets | 1.7582% | 1,082 |
| Net interest margin | 4.4853% | 632 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 3.8167% | 413 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.7302% | 3,230 |
| Return on assets (ROA) | 0.7132% | 3,273 |
| Pretax return on assets | 1.0090% | 2,829 |
| Return on Equity (ROE) | 8.1700% | 3,134 |
| Retained earnings to average equity (ytd only) | 4.3760% | 3,158 |
| Net charge-offs to loans | 0.2670% | 332 |
| Credit loss provision to net charge-offs | 96.0396% | 1,656 |
| Earnings coverage of net charge-offs (x) | 5.8201% | 2,330 |
| Efficiency ratio | 75.2382% | 1,248 |
| Assets per employee ($millions) | 4.4399% | 3,977 |
| Cash dividends to net income (ytd only)* | 46.4094% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 4,007 |
| Loan loss allowance to noncurrent loans | 1,943.9024% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,374 |
| Noncurrent loans to loans | 0.0405% | 3,478 |
| Net loans and leases to total assets | 79.8600% | 661 |
| Net loans and leases to deposits | 94.0401% | 890 |
| Net loans and leases to core deposits | 109.2806% | 897 |
| Total domestic deposits to total assets | 84.9200% | 2,520 |
| Equity capital to assets | 8.9716% | 2,438 |
| Core capital (leverage) ratio | 8.7922% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6213% | 2,414 |
| Memoranda: | ||
| Average total assets | $382,697,500 | 2,064 |
| Average earning assets | $350,646,000 | 2,093 |
| Average equity | $33,424,250 | 2,107 |
| Average total loans | $302,650,750 | 1,784 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1866% | 354 |
| Cost of funding earning assets | 1.6105% | 1,038 |
| Net interest margin | 4.5761% | 554 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 3.8656% | 381 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.8188% | 3,025 |
| Return on assets (ROA) | 0.8032% | 3,078 |
| Pretax return on assets | 1.1226% | 2,580 |
| Return on Equity (ROE) | 9.2800% | 2,897 |
| Retained earnings to average equity (ytd only) | 7.7765% | 2,044 |
| Net charge-offs to loans | 0.0079% | 1,924 |
| Credit loss provision to net charge-offs | 1,650.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 198.8333% | 611 |
| Efficiency ratio | 75.3896% | 1,229 |
| Assets per employee ($millions) | 4.5723% | 3,902 |
| Cash dividends to net income (ytd only)* | 16.1917% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 3,925 |
| Loan loss allowance to noncurrent loans | 300.2309% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 2,035 |
| Noncurrent loans to loans | 0.2804% | 2,140 |
| Net loans and leases to total assets | 77.8700% | 846 |
| Net loans and leases to deposits | 90.9979% | 1,112 |
| Net loans and leases to core deposits | 108.5093% | 888 |
| Total domestic deposits to total assets | 85.5700% | 2,371 |
| Equity capital to assets | 8.7004% | 2,716 |
| Core capital (leverage) ratio | 8.6583% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $384,466,667 | 2,062 |
| Average earning assets | $352,441,667 | 2,082 |
| Average equity | $33,279,667 | 2,131 |
| Average total loans | $302,279,667 | 1,773 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0956% | 280 |
| Cost of funding earning assets | 1.3444% | 1,144 |
| Net interest margin | 4.7512% | 409 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 3.9496% | 366 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.8682% | 2,966 |
| Return on assets (ROA) | 0.8461% | 2,988 |
| Pretax return on assets | 1.1881% | 2,454 |
| Return on Equity (ROE) | 9.8000% | 2,849 |
| Retained earnings to average equity (ytd only) | 6.7533% | 2,567 |
| Net charge-offs to loans | 0.0187% | 1,302 |
| Credit loss provision to net charge-offs | 707.1429% | 452 |
| Earnings coverage of net charge-offs (x) | 89.2143% | 843 |
| Efficiency ratio | 74.7301% | 1,273 |
| Assets per employee ($millions) | 4.5999% | 3,965 |
| Cash dividends to net income (ytd only)* | 31.0945% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 4,086 |
| Loan loss allowance to noncurrent loans | 400.4808% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 2,208 |
| Noncurrent loans to loans | 0.1995% | 2,475 |
| Net loans and leases to total assets | 78.4400% | 720 |
| Net loans and leases to deposits | 91.5166% | 949 |
| Net loans and leases to core deposits | 104.9818% | 876 |
| Total domestic deposits to total assets | 85.7100% | 2,676 |
| Equity capital to assets | 8.5277% | 2,871 |
| Core capital (leverage) ratio | 8.7998% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $380,089,000 | 2,102 |
| Average earning assets | $348,121,500 | 2,132 |
| Average equity | $32,813,500 | 2,170 |
| Average total loans | $299,021,500 | 1,795 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2201% | 215 |
| Cost of funding earning assets | 0.4707% | 1,584 |
| Net interest margin | 4.7494% | 188 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 4.1676% | 297 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.9134% | 2,904 |
| Return on assets (ROA) | 0.8851% | 2,966 |
| Pretax return on assets | 1.2665% | 2,215 |
| Return on Equity (ROE) | 9.7400% | 2,887 |
| Retained earnings to average equity (ytd only) | 6.4395% | 2,476 |
| Net charge-offs to loans | -0.0026% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.3037% | 1,187 |
| Assets per employee ($millions) | 4.4462% | 4,073 |
| Cash dividends to net income (ytd only)* | 33.9020% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 3,929 |
| Loan loss allowance to noncurrent loans | 294.8718% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 1,876 |
| Noncurrent loans to loans | 0.2871% | 2,116 |
| Net loans and leases to total assets | 77.5800% | 841 |
| Net loans and leases to deposits | 87.5916% | 1,202 |
| Net loans and leases to core deposits | 99.8482% | 1,013 |
| Total domestic deposits to total assets | 88.5600% | 1,861 |
| Equity capital to assets | 8.7474% | 2,532 |
| Core capital (leverage) ratio | 9.1601% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $311,257,600 | 2,400 |
| Average earning assets | $282,543,400 | 2,432 |
| Average equity | $28,278,800 | 2,415 |
| Average total loans | $230,457,000 | 2,051 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 252 |
| Cost of funding earning assets | 0.3321% | 1,838 |
| Net interest margin | 4.5487% | 218 |
| Noninterest income to average assets | 1.3800% | 392 |
| Noninterest expense to average assets | 4.0994% | 308 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9470% | 2,680 |
| Return on assets (ROA) | 0.9179% | 2,772 |
| Pretax return on assets | 1.3305% | 1,948 |
| Return on Equity (ROE) | 9.9900% | 2,724 |
| Retained earnings to average equity (ytd only) | 5.4403% | 2,942 |
| Net charge-offs to loans | -0.0025% | 3,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.8502% | 1,293 |
| Assets per employee ($millions) | 4.2142% | 4,212 |
| Cash dividends to net income (ytd only)* | 45.5388% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 3,980 |
| Loan loss allowance to noncurrent loans | 507.4419% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 2,480 |
| Noncurrent loans to loans | 0.1681% | 2,753 |
| Net loans and leases to total assets | 75.2400% | 990 |
| Net loans and leases to deposits | 85.5501% | 1,198 |
| Net loans and leases to core deposits | 94.7513% | 1,054 |
| Total domestic deposits to total assets | 87.9400% | 2,450 |
| Equity capital to assets | 8.5229% | 2,529 |
| Core capital (leverage) ratio | 9.0786% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $297,925,250 | 2,480 |
| Average earning assets | $270,166,250 | 2,516 |
| Average equity | $27,375,500 | 2,495 |
| Average total loans | $216,760,250 | 2,127 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 268 |
| Cost of funding earning assets | 0.2494% | 2,279 |
| Net interest margin | 4.4192% | 218 |
| Noninterest income to average assets | 1.4267% | 356 |
| Noninterest expense to average assets | 4.1404% | 258 |
| Loan and lease loss provision to assets | 0.0337% | 1,976 |
| Net operating income to assets | 0.8545% | 2,756 |
| Return on assets (ROA) | 0.8222% | 2,852 |
| Pretax return on assets | 1.2259% | 1,981 |
| Return on Equity (ROE) | 8.6990% | 2,792 |
| Retained earnings to average equity (ytd only) | 3.4321% | 3,301 |
| Net charge-offs to loans | -0.0020% | 3,127 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5719% | 1,325 |
| Assets per employee ($millions) | 4.0234% | 4,361 |
| Cash dividends to net income (ytd only)* | 60.5465% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 3,772 |
| Loan loss allowance to noncurrent loans | 373.2394% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 2,193 |
| Noncurrent loans to loans | 0.2563% | 2,451 |
| Net loans and leases to total assets | 71.7883% | 1,127 |
| Net loans and leases to deposits | 81.9998% | 1,242 |
| Net loans and leases to core deposits | 89.1193% | 1,169 |
| Total domestic deposits to total assets | 87.5470% | 2,747 |
| Equity capital to assets | 9.0526% | 2,354 |
| Core capital (leverage) ratio | 9.5107% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,854,667 | 2,566 |
| Average earning assets | $258,190,000 | 2,609 |
| Average equity | $26,922,667 | 2,588 |
| Average total loans | $203,736,000 | 2,210 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 368 |
| Cost of funding earning assets | 0.2621% | 2,021 |
| Net interest margin | 4.1521% | 306 |
| Noninterest income to average assets | 1.5992% | 325 |
| Noninterest expense to average assets | 4.0788% | 264 |
| Loan and lease loss provision to assets | 0.0262% | 1,892 |
| Net operating income to assets | 0.8251% | 2,574 |
| Return on assets (ROA) | 0.7741% | 2,742 |
| Pretax return on assets | 1.1837% | 1,865 |
| Return on Equity (ROE) | 8.0020% | 2,690 |
| Retained earnings to average equity (ytd only) | 0.1206% | 3,993 |
| Net charge-offs to loans | 0.0062% | 1,531 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 288.3333% | 330 |
| Efficiency ratio | 75.8668% | 1,542 |
| Assets per employee ($millions) | 3.7815% | 4,478 |
| Cash dividends to net income (ytd only)* | 98.4934% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,457 |
| Loan loss allowance to noncurrent loans | 400.1919% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 2,279 |
| Noncurrent loans to loans | 0.2674% | 2,517 |
| Net loans and leases to total assets | 68.8749% | 1,126 |
| Net loans and leases to deposits | 76.5349% | 1,397 |
| Net loans and leases to core deposits | 80.4221% | 1,453 |
| Total domestic deposits to total assets | 89.9915% | 1,567 |
| Equity capital to assets | 9.4160% | 2,350 |
| Core capital (leverage) ratio | 9.3737% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,391,500 | 2,635 |
| Average earning assets | $247,200,000 | 2,696 |
| Average equity | $26,543,500 | 2,683 |
| Average total loans | $194,786,500 | 2,265 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 342 |
| Cost of funding earning assets | 0.3337% | 2,082 |
| Net interest margin | 4.5053% | 273 |
| Noninterest income to average assets | 2.2656% | 258 |
| Noninterest expense to average assets | 4.1952% | 252 |
| Loan and lease loss provision to assets | 0.2911% | 284 |
| Net operating income to assets | 1.3229% | 1,545 |
| Return on assets (ROA) | 1.2971% | 1,655 |
| Pretax return on assets | 1.7573% | 1,010 |
| Return on Equity (ROE) | 13.6628% | 1,277 |
| Retained earnings to average equity (ytd only) | 10.5146% | 802 |
| Net charge-offs to loans | 0.0713% | 1,078 |
| Credit loss provision to net charge-offs | 555.9701% | 760 |
| Earnings coverage of net charge-offs (x) | 39.6194% | 1,447 |
| Efficiency ratio | 66.4423% | 2,204 |
| Assets per employee ($millions) | 3.6843% | 4,537 |
| Cash dividends to net income (ytd only)* | 23.0422% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 3,508 |
| Loan loss allowance to noncurrent loans | 539.0625% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 2,540 |
| Noncurrent loans to loans | 0.1972% | 2,961 |
| Net loans and leases to total assets | 71.6428% | 862 |
| Net loans and leases to deposits | 79.9167% | 1,223 |
| Net loans and leases to core deposits | 84.3633% | 1,303 |
| Total domestic deposits to total assets | 89.6468% | 1,144 |
| Equity capital to assets | 9.9416% | 2,706 |
| Core capital (leverage) ratio | 9.8790% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,960,000 | 2,685 |
| Average earning assets | $227,466,000 | 2,761 |
| Average equity | $24,299,600 | 2,897 |
| Average total loans | $188,048,400 | 2,319 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 342 |
| Cost of funding earning assets | 0.3521% | 2,100 |
| Net interest margin | 4.5782% | 275 |
| Noninterest income to average assets | 1.8381% | 388 |
| Noninterest expense to average assets | 4.1585% | 258 |
| Loan and lease loss provision to assets | 0.1662% | 656 |
| Net operating income to assets | 1.0879% | 2,602 |
| Return on assets (ROA) | 1.0605% | 2,758 |
| Pretax return on assets | 1.5474% | 1,855 |
| Return on Equity (ROE) | 11.3125% | 2,268 |
| Retained earnings to average equity (ytd only) | 7.8118% | 2,113 |
| Net charge-offs to loans | 0.0966% | 754 |
| Credit loss provision to net charge-offs | 233.3333% | 1,135 |
| Earnings coverage of net charge-offs (x) | 24.4444% | 1,641 |
| Efficiency ratio | 69.9696% | 1,604 |
| Assets per employee ($millions) | 3.6919% | 4,578 |
| Cash dividends to net income (ytd only)* | 30.9453% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,253 |
| Loan loss allowance to noncurrent loans | 591.3357% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 2,665 |
| Noncurrent loans to loans | 0.1451% | 3,391 |
| Net loans and leases to total assets | 74.2881% | 667 |
| Net loans and leases to deposits | 83.0867% | 1,026 |
| Net loans and leases to core deposits | 87.8613% | 1,159 |
| Total domestic deposits to total assets | 89.4103% | 1,067 |
| Equity capital to assets | 10.0523% | 2,855 |
| Core capital (leverage) ratio | 9.8298% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,712,250 | 2,731 |
| Average earning assets | $224,185,500 | 2,813 |
| Average equity | $23,690,000 | 2,967 |
| Average total loans | $186,372,000 | 2,369 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 310 |
| Cost of funding earning assets | 0.3760% | 2,079 |
| Net interest margin | 4.6866% | 270 |
| Noninterest income to average assets | 1.9862% | 332 |
| Noninterest expense to average assets | 4.1327% | 263 |
| Loan and lease loss provision to assets | 0.1666% | 700 |
| Net operating income to assets | 1.2466% | 2,032 |
| Return on assets (ROA) | 1.2173% | 2,201 |
| Pretax return on assets | 1.8116% | 1,208 |
| Return on Equity (ROE) | 13.3096% | 1,621 |
| Retained earnings to average equity (ytd only) | 10.2555% | 1,324 |
| Net charge-offs to loans | 0.1406% | 570 |
| Credit loss provision to net charge-offs | 161.5385% | 1,134 |
| Earnings coverage of net charge-offs (x) | 19.4615% | 1,542 |
| Efficiency ratio | 66.8131% | 2,039 |
| Assets per employee ($millions) | 3.7390% | 4,585 |
| Cash dividends to net income (ytd only)* | 22.9465% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 4,300 |
| Loan loss allowance to noncurrent loans | 236.7692% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 2,056 |
| Noncurrent loans to loans | 0.3551% | 2,628 |
| Net loans and leases to total assets | 72.4606% | 910 |
| Net loans and leases to deposits | 80.5975% | 1,368 |
| Net loans and leases to core deposits | 84.0389% | 1,553 |
| Total domestic deposits to total assets | 89.9044% | 823 |
| Equity capital to assets | 9.4482% | 3,386 |
| Core capital (leverage) ratio | 8.9859% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,037,000 | 2,726 |
| Average earning assets | $223,401,333 | 2,809 |
| Average equity | $23,051,000 | 3,008 |
| Average total loans | $184,870,000 | 2,396 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 491 |
| Cost of funding earning assets | 0.4161% | 1,964 |
| Net interest margin | 4.3743% | 449 |
| Noninterest income to average assets | 1.7975% | 444 |
| Noninterest expense to average assets | 3.9715% | 293 |
| Loan and lease loss provision to assets | 0.1661% | 755 |
| Net operating income to assets | 1.0317% | 2,710 |
| Return on assets (ROA) | 1.0016% | 2,892 |
| Pretax return on assets | 1.5222% | 1,937 |
| Return on Equity (ROE) | 11.1336% | 2,325 |
| Retained earnings to average equity (ytd only) | 8.2842% | 2,158 |
| Net charge-offs to loans | -0.0022% | 3,151 |
| Credit loss provision to net charge-offs | -10,500.0000% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2436% | 1,787 |
| Assets per employee ($millions) | 4.0119% | 4,472 |
| Cash dividends to net income (ytd only)* | 25.5924% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,328 |
| Loan loss allowance to noncurrent loans | 717.8899% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 3,120 |
| Noncurrent loans to loans | 0.1168% | 3,727 |
| Net loans and leases to total assets | 70.9520% | 1,163 |
| Net loans and leases to deposits | 78.3092% | 1,688 |
| Net loans and leases to core deposits | 81.4851% | 1,877 |
| Total domestic deposits to total assets | 90.6049% | 542 |
| Equity capital to assets | 8.8091% | 3,870 |
| Core capital (leverage) ratio | 8.8526% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,798,500 | 2,711 |
| Average earning assets | $224,948,500 | 2,780 |
| Average equity | $22,742,000 | 3,015 |
| Average total loans | $185,773,500 | 2,392 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1582% | 359 |
| Cost of funding earning assets | 0.7071% | 1,683 |
| Net interest margin | 4.4511% | 361 |
| Noninterest income to average assets | 1.9756% | 338 |
| Noninterest expense to average assets | 4.7102% | 222 |
| Loan and lease loss provision to assets | 0.2379% | 1,634 |
| Net operating income to assets | 0.6609% | 3,556 |
| Return on assets (ROA) | 0.8050% | 3,190 |
| Pretax return on assets | 1.1777% | 2,408 |
| Return on Equity (ROE) | 8.4712% | 2,616 |
| Retained earnings to average equity (ytd only) | 6.0601% | 1,770 |
| Net charge-offs to loans | 0.0093% | 2,991 |
| Credit loss provision to net charge-offs | 3,387.5000% | 297 |
| Earnings coverage of net charge-offs (x) | 174.4375% | 512 |
| Efficiency ratio | 75.6175% | 1,276 |
| Assets per employee ($millions) | 3.7094% | 4,560 |
| Cash dividends to net income (ytd only)* | 28.4624% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 4,448 |
| Loan loss allowance to noncurrent loans | 497.9522% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 2,799 |
| Noncurrent loans to loans | 0.1584% | 3,645 |
| Net loans and leases to total assets | 74.9516% | 910 |
| Net loans and leases to deposits | 82.9549% | 1,550 |
| Net loans and leases to core deposits | 86.7148% | 1,811 |
| Total domestic deposits to total assets | 90.3522% | 434 |
| Equity capital to assets | 9.1953% | 3,893 |
| Core capital (leverage) ratio | 9.1398% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,826,400 | 2,733 |
| Average earning assets | $202,669,200 | 2,802 |
| Average equity | $21,649,800 | 3,043 |
| Average total loans | $172,567,800 | 2,468 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2552% | 374 |
| Cost of funding earning assets | 0.7739% | 1,615 |
| Net interest margin | 4.4813% | 397 |
| Noninterest income to average assets | 1.9852% | 323 |
| Noninterest expense to average assets | 4.6939% | 216 |
| Loan and lease loss provision to assets | 0.2447% | 1,662 |
| Net operating income to assets | 0.7345% | 3,339 |
| Return on assets (ROA) | 0.9381% | 2,700 |
| Pretax return on assets | 1.3018% | 2,041 |
| Return on Equity (ROE) | 9.7847% | 2,098 |
| Retained earnings to average equity (ytd only) | 7.3214% | 1,574 |
| Net charge-offs to loans | 0.0063% | 2,906 |
| Credit loss provision to net charge-offs | 5,125.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 268.2500% | 395 |
| Efficiency ratio | 76.8893% | 1,127 |
| Assets per employee ($millions) | 3.4882% | 4,669 |
| Cash dividends to net income (ytd only)* | 25.1748% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7286% | 4,525 |
| Loan loss allowance to noncurrent loans | 443.5216% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 2,753 |
| Noncurrent loans to loans | 0.1643% | 3,727 |
| Net loans and leases to total assets | 77.8312% | 849 |
| Net loans and leases to deposits | 86.6100% | 1,633 |
| Net loans and leases to core deposits | 91.1519% | 1,873 |
| Total domestic deposits to total assets | 89.8640% | 474 |
| Equity capital to assets | 9.4827% | 3,698 |
| Core capital (leverage) ratio | 9.0561% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,577,500 | 2,745 |
| Average earning assets | $198,983,500 | 2,815 |
| Average equity | $21,434,250 | 3,059 |
| Average total loans | $169,470,500 | 2,494 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3431% | 448 |
| Cost of funding earning assets | 0.8608% | 1,540 |
| Net interest margin | 4.4823% | 522 |
| Noninterest income to average assets | 2.3152% | 246 |
| Noninterest expense to average assets | 4.7375% | 220 |
| Loan and lease loss provision to assets | 0.1998% | 2,050 |
| Net operating income to assets | 1.0204% | 2,254 |
| Return on assets (ROA) | 1.0481% | 2,292 |
| Pretax return on assets | 1.3996% | 1,728 |
| Return on Equity (ROE) | 10.8911% | 1,667 |
| Retained earnings to average equity (ytd only) | 9.2206% | 951 |
| Net charge-offs to loans | 0.0073% | 2,699 |
| Credit loss provision to net charge-offs | 3,666.6667% | 300 |
| Earnings coverage of net charge-offs (x) | 285.3333% | 331 |
| Efficiency ratio | 73.6576% | 1,498 |
| Assets per employee ($millions) | 3.2859% | 4,746 |
| Cash dividends to net income (ytd only)* | 15.3380% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6550% | 4,659 |
| Loan loss allowance to noncurrent loans | 118.3695% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7365% | 1,676 |
| Noncurrent loans to loans | 0.5534% | 2,506 |
| Net loans and leases to total assets | 75.6291% | 1,196 |
| Net loans and leases to deposits | 84.1447% | 1,986 |
| Net loans and leases to core deposits | 88.7161% | 2,180 |
| Total domestic deposits to total assets | 89.8798% | 435 |
| Equity capital to assets | 9.5480% | 3,616 |
| Core capital (leverage) ratio | 9.2329% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,199,667 | 2,753 |
| Average earning assets | $195,392,000 | 2,826 |
| Average equity | $21,191,667 | 3,064 |
| Average total loans | $164,882,333 | 2,518 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 629 |
| Cost of funding earning assets | 0.9902% | 1,461 |
| Net interest margin | 4.2379% | 850 |
| Noninterest income to average assets | 2.1218% | 246 |
| Noninterest expense to average assets | 4.8065% | 249 |
| Loan and lease loss provision to assets | 0.1635% | 1,779 |
| Net operating income to assets | 0.6976% | 3,278 |
| Return on assets (ROA) | 0.7822% | 3,049 |
| Pretax return on assets | 1.0237% | 2,766 |
| Return on Equity (ROE) | 8.0936% | 2,479 |
| Retained earnings to average equity (ytd only) | 8.0936% | 1,203 |
| Net charge-offs to loans | -0.0075% | 3,975 |
| Credit loss provision to net charge-offs | -2,933.3333% | 3,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0443% | 1,134 |
| Assets per employee ($millions) | 3.2064% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6346% | 4,711 |
| Loan loss allowance to noncurrent loans | 145.7265% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 1,876 |
| Noncurrent loans to loans | 0.4355% | 2,945 |
| Net loans and leases to total assets | 74.5578% | 1,524 |
| Net loans and leases to deposits | 83.0834% | 2,324 |
| Net loans and leases to core deposits | 89.9723% | 2,348 |
| Total domestic deposits to total assets | 89.7385% | 401 |
| Equity capital to assets | 9.7956% | 3,959 |
| Core capital (leverage) ratio | 9.0700% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,291,500 | 2,744 |
| Average earning assets | $190,659,500 | 2,826 |
| Average equity | $20,806,500 | 3,090 |
| Average total loans | $159,770,500 | 2,544 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1183% | 1,180 |
| Cost of funding earning assets | 1.0129% | 1,670 |
| Net interest margin | 4.1054% | 1,526 |
| Noninterest income to average assets | 1.9116% | 281 |
| Noninterest expense to average assets | 4.6138% | 273 |
| Loan and lease loss provision to assets | 0.1433% | 1,488 |
| Net operating income to assets | 0.5691% | 4,247 |
| Return on assets (ROA) | 0.5482% | 4,352 |
| Pretax return on assets | 0.7723% | 4,041 |
| Return on Equity (ROE) | 5.6881% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.5455% | 2,685 |
| Net charge-offs to loans | 0.0658% | 2,150 |
| Credit loss provision to net charge-offs | 295.0495% | 950 |
| Earnings coverage of net charge-offs (x) | 19.2475% | 2,012 |
| Efficiency ratio | 81.1926% | 857 |
| Assets per employee ($millions) | 3.0822% | 4,776 |
| Cash dividends to net income (ytd only)* | 20.0877% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5886% | 4,764 |
| Loan loss allowance to noncurrent loans | 193.3610% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 1,984 |
| Noncurrent loans to loans | 0.3044% | 3,346 |
| Net loans and leases to total assets | 72.9600% | 1,926 |
| Net loans and leases to deposits | 81.0913% | 2,654 |
| Net loans and leases to core deposits | 91.9124% | 2,237 |
| Total domestic deposits to total assets | 89.9727% | 327 |
| Equity capital to assets | 9.5337% | 4,325 |
| Core capital (leverage) ratio | 9.2296% | 4,342 |
| Tier 1 risk-based capital ratio | 11.1181% | 4,814 |
| Total risk-based capital ratio | 11.6530% | 4,984 |
| Memoranda: | ||
| Average total assets | $207,943,000 | 2,776 |
| Average earning assets | $184,222,000 | 2,845 |
| Average equity | $20,041,800 | 3,131 |
| Average total loans | $153,421,200 | 2,581 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 1,219 |
| Cost of funding earning assets | 1.0055% | 1,740 |
| Net interest margin | 4.1236% | 1,564 |
| Noninterest income to average assets | 1.9191% | 280 |
| Noninterest expense to average assets | 4.5282% | 291 |
| Loan and lease loss provision to assets | 0.1541% | 1,215 |
| Net operating income to assets | 0.7346% | 3,898 |
| Return on assets (ROA) | 0.7133% | 4,041 |
| Pretax return on assets | 0.8751% | 3,946 |
| Return on Equity (ROE) | 7.3797% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.2413% | 2,254 |
| Net charge-offs to loans | 0.0929% | 1,545 |
| Credit loss provision to net charge-offs | 224.5283% | 1,200 |
| Earnings coverage of net charge-offs (x) | 15.2830% | 2,198 |
| Efficiency ratio | 79.2363% | 989 |
| Assets per employee ($millions) | 3.1995% | 4,756 |
| Cash dividends to net income (ytd only)* | 15.4264% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5553% | 4,885 |
| Loan loss allowance to noncurrent loans | 147.9522% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 1,922 |
| Noncurrent loans to loans | 0.3753% | 3,213 |
| Net loans and leases to total assets | 74.6588% | 1,692 |
| Net loans and leases to deposits | 83.3806% | 2,518 |
| Net loans and leases to core deposits | 94.8943% | 2,090 |
| Total domestic deposits to total assets | 89.5398% | 435 |
| Equity capital to assets | 9.9255% | 4,097 |
| Core capital (leverage) ratio | 9.3680% | 4,303 |
| Tier 1 risk-based capital ratio | 11.3005% | 4,760 |
| Total risk-based capital ratio | 11.8072% | 4,990 |
| Memoranda: | ||
| Average total assets | $205,991,000 | 2,810 |
| Average earning assets | $182,716,250 | 2,876 |
| Average equity | $19,910,000 | 3,163 |
| Average total loans | $152,190,500 | 2,626 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 1,234 |
| Cost of funding earning assets | 0.9866% | 1,757 |
| Net interest margin | 4.1068% | 1,588 |
| Noninterest income to average assets | 1.7951% | 308 |
| Noninterest expense to average assets | 4.4640% | 318 |
| Loan and lease loss provision to assets | 0.1247% | 1,491 |
| Net operating income to assets | 0.6955% | 4,016 |
| Return on assets (ROA) | 0.6633% | 4,175 |
| Pretax return on assets | 0.8192% | 4,046 |
| Return on Equity (ROE) | 6.9257% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.1629% | 2,210 |
| Net charge-offs to loans | 0.0437% | 2,025 |
| Credit loss provision to net charge-offs | 387.8788% | 737 |
| Earnings coverage of net charge-offs (x) | 30.3636% | 1,447 |
| Efficiency ratio | 80.0358% | 960 |
| Assets per employee ($millions) | 3.3706% | 4,641 |
| Cash dividends to net income (ytd only)* | 11.0132% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5346% | 4,974 |
| Loan loss allowance to noncurrent loans | 121.4912% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7196% | 1,913 |
| Noncurrent loans to loans | 0.4400% | 2,948 |
| Net loans and leases to total assets | 72.8136% | 2,095 |
| Net loans and leases to deposits | 81.7179% | 2,758 |
| Net loans and leases to core deposits | 92.7383% | 2,342 |
| Total domestic deposits to total assets | 89.1036% | 620 |
| Equity capital to assets | 9.5519% | 4,357 |
| Core capital (leverage) ratio | 9.3830% | 4,270 |
| Tier 1 risk-based capital ratio | 11.0017% | 4,904 |
| Total risk-based capital ratio | 11.4843% | 5,112 |
| Memoranda: | ||
| Average total assets | $205,331,330 | 2,827 |
| Average earning assets | $182,234,000 | 2,895 |
| Average equity | $19,666,000 | 3,179 |
| Average total loans | $150,875,670 | 2,650 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1607% | 978 |
| Cost of funding earning assets | 0.9893% | 1,610 |
| Net interest margin | 4.1714% | 1,371 |
| Noninterest income to average assets | 1.8135% | 282 |
| Noninterest expense to average assets | 4.4613% | 303 |
| Loan and lease loss provision to assets | 0.1189% | 1,473 |
| Net operating income to assets | 0.7630% | 3,738 |
| Return on assets (ROA) | 0.7214% | 3,916 |
| Pretax return on assets | 0.8938% | 3,786 |
| Return on Equity (ROE) | 7.5216% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.5216% | 1,838 |
| Net charge-offs to loans | 0.0027% | 2,655 |
| Credit loss provision to net charge-offs | 6,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 532.0000% | 136 |
| Efficiency ratio | 78.8717% | 1,174 |
| Assets per employee ($millions) | 3.2797% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5272% | 5,050 |
| Loan loss allowance to noncurrent loans | 148.8764% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.7096% | 1,981 |
| Noncurrent loans to loans | 0.3541% | 3,310 |
| Net loans and leases to total assets | 73.7670% | 1,851 |
| Net loans and leases to deposits | 82.0906% | 2,602 |
| Net loans and leases to core deposits | 90.2918% | 2,469 |
| Total domestic deposits to total assets | 89.8605% | 505 |
| Equity capital to assets | 9.7461% | 4,048 |
| Core capital (leverage) ratio | 9.3819% | 4,282 |
| Tier 1 risk-based capital ratio | 11.7147% | 4,610 |
| Total risk-based capital ratio | 12.2140% | 4,899 |
| Memoranda: | ||
| Average total assets | $201,824,500 | 2,889 |
| Average earning assets | $179,124,500 | 2,958 |
| Average equity | $19,357,500 | 3,218 |
| Average total loans | $148,590,000 | 2,705 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 881 |
| Cost of funding earning assets | 0.7577% | 1,745 |
| Net interest margin | 4.3256% | 1,096 |
| Noninterest income to average assets | 1.8935% | 292 |
| Noninterest expense to average assets | 5.0749% | 198 |
| Loan and lease loss provision to assets | 0.0899% | 2,343 |
| Net operating income to assets | 0.5303% | 4,594 |
| Return on assets (ROA) | 0.4949% | 4,677 |
| Pretax return on assets | 0.4894% | 4,812 |
| Return on Equity (ROE) | 5.6912% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.2211% | 2,652 |
| Net charge-offs to loans | 0.0984% | 1,780 |
| Credit loss provision to net charge-offs | 127.9070% | 2,061 |
| Earnings coverage of net charge-offs (x) | 8.7442% | 2,869 |
| Efficiency ratio | 87.0294% | 477 |
| Assets per employee ($millions) | 3.0338% | 4,974 |
| Cash dividends to net income (ytd only)* | 8.2599% | 3,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5028% | 5,117 |
| Loan loss allowance to noncurrent loans | 109.3611% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.8026% | 1,738 |
| Noncurrent loans to loans | 0.4597% | 2,893 |
| Net loans and leases to total assets | 72.7401% | 2,140 |
| Net loans and leases to deposits | 83.8046% | 2,530 |
| Net loans and leases to core deposits | 93.9610% | 2,229 |
| Total domestic deposits to total assets | 86.7973% | 1,878 |
| Equity capital to assets | 9.4276% | 4,188 |
| Core capital (leverage) ratio | 9.3014% | 4,355 |
| Tier 1 risk-based capital ratio | 11.3557% | 4,791 |
| Total risk-based capital ratio | 11.8210% | 5,049 |
| Memoranda: | ||
| Average total assets | $183,471,400 | 3,021 |
| Average earning assets | $161,017,800 | 3,129 |
| Average equity | $15,954,400 | 3,515 |
| Average total loans | $131,066,600 | 2,864 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0775% | 799 |
| Cost of funding earning assets | 0.6696% | 2,035 |
| Net interest margin | 4.4079% | 885 |
| Noninterest income to average assets | 1.9418% | 289 |
| Noninterest expense to average assets | 5.1642% | 184 |
| Loan and lease loss provision to assets | 0.0892% | 2,192 |
| Net operating income to assets | 0.5027% | 4,758 |
| Return on assets (ROA) | 0.4946% | 4,777 |
| Pretax return on assets | 0.5377% | 4,840 |
| Return on Equity (ROE) | 5.8241% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.1673% | 3,142 |
| Net charge-offs to loans | 0.0702% | 1,833 |
| Credit loss provision to net charge-offs | 179.1045% | 1,502 |
| Earnings coverage of net charge-offs (x) | 12.7464% | 2,426 |
| Efficiency ratio | 86.8813% | 467 |
| Assets per employee ($millions) | 2.9668% | 5,058 |
| Cash dividends to net income (ytd only)* | 11.2785% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5331% | 5,146 |
| Loan loss allowance to noncurrent loans | 94.5980% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 1,607 |
| Noncurrent loans to loans | 0.5636% | 2,691 |
| Net loans and leases to total assets | 73.9912% | 1,983 |
| Net loans and leases to deposits | 85.7493% | 2,393 |
| Net loans and leases to core deposits | 94.2759% | 2,257 |
| Total domestic deposits to total assets | 86.2877% | 2,062 |
| Equity capital to assets | 9.6159% | 3,985 |
| Core capital (leverage) ratio | 9.3631% | 4,318 |
| Tier 1 risk-based capital ratio | 11.5567% | 4,758 |
| Total risk-based capital ratio | 12.0532% | 5,025 |
| Memoranda: | ||
| Average total assets | $179,281,250 | 3,079 |
| Average earning assets | $156,898,000 | 3,198 |
| Average equity | $15,223,750 | 3,634 |
| Average total loans | $127,237,000 | 2,938 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9288% | 956 |
| Cost of funding earning assets | 0.5598% | 2,521 |
| Net interest margin | 4.3690% | 909 |
| Noninterest income to average assets | 1.9494% | 285 |
| Noninterest expense to average assets | 5.1880% | 190 |
| Loan and lease loss provision to assets | 0.0853% | 2,207 |
| Net operating income to assets | 0.4563% | 4,849 |
| Return on assets (ROA) | 0.4381% | 4,885 |
| Pretax return on assets | 0.4677% | 4,961 |
| Return on Equity (ROE) | 5.4178% | 4,431 |
| Retained earnings to average equity (ytd only) | 4.3624% | 3,417 |
| Net charge-offs to loans | 0.1012% | 1,340 |
| Credit loss provision to net charge-offs | 120.9677% | 1,792 |
| Earnings coverage of net charge-offs (x) | 8.0968% | 2,501 |
| Efficiency ratio | 87.8483% | 479 |
| Assets per employee ($millions) | 3.0088% | 5,090 |
| Cash dividends to net income (ytd only)* | 19.4805% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5271% | 5,222 |
| Loan loss allowance to noncurrent loans | 87.8079% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 1,673 |
| Noncurrent loans to loans | 0.6003% | 2,619 |
| Net loans and leases to total assets | 70.9806% | 2,436 |
| Net loans and leases to deposits | 85.5680% | 2,368 |
| Net loans and leases to core deposits | 91.4509% | 2,444 |
| Total domestic deposits to total assets | 82.9523% | 3,419 |
| Equity capital to assets | 7.7771% | 5,298 |
| Core capital (leverage) ratio | 7.9566% | 5,361 |
| Tier 1 risk-based capital ratio | 9.5378% | 5,490 |
| Total risk-based capital ratio | 10.0286% | 5,518 |
| Memoranda: | ||
| Average total assets | $175,750,330 | 3,139 |
| Average earning assets | $153,262,670 | 3,251 |
| Average equity | $14,212,330 | 3,773 |
| Average total loans | $122,568,330 | 3,007 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 737 |
| Cost of funding earning assets | 0.5545% | 2,362 |
| Net interest margin | 4.4171% | 741 |
| Noninterest income to average assets | 2.0184% | 269 |
| Noninterest expense to average assets | 5.3255% | 181 |
| Loan and lease loss provision to assets | 0.0711% | 2,341 |
| Net operating income to assets | 0.4241% | 4,876 |
| Return on assets (ROA) | 0.3933% | 4,944 |
| Pretax return on assets | 0.4217% | 5,000 |
| Return on Equity (ROE) | 4.7607% | 4,561 |
| Retained earnings to average equity (ytd only) | 2.6098% | 4,134 |
| Net charge-offs to loans | 0.0413% | 1,710 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 18.4167% | 1,536 |
| Efficiency ratio | 88.0923% | 536 |
| Assets per employee ($millions) | 2.5885% | 5,370 |
| Cash dividends to net income (ytd only)* | 45.1807% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6014% | 5,180 |
| Loan loss allowance to noncurrent loans | 60.7959% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 1,421 |
| Noncurrent loans to loans | 0.9892% | 1,846 |
| Net loans and leases to total assets | 69.4617% | 2,570 |
| Net loans and leases to deposits | 75.9882% | 3,213 |
| Net loans and leases to core deposits | 82.7813% | 3,082 |
| Total domestic deposits to total assets | 91.4112% | 206 |
| Equity capital to assets | 8.2458% | 5,147 |
| Core capital (leverage) ratio | 7.7935% | 5,448 |
| Tier 1 risk-based capital ratio | 9.5865% | 5,546 |
| Total risk-based capital ratio | 10.1121% | 5,580 |
| Memoranda: | ||
| Average total assets | $168,847,500 | 3,259 |
| Average earning assets | $146,430,000 | 3,379 |
| Average equity | $13,947,500 | 3,834 |
| Average total loans | $116,222,000 | 3,112 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9101% | 778 |
| Cost of funding earning assets | 0.4891% | 2,433 |
| Net interest margin | 4.4210% | 727 |
| Noninterest income to average assets | 1.6454% | 393 |
| Noninterest expense to average assets | 5.1278% | 205 |
| Loan and lease loss provision to assets | 0.0502% | 3,217 |
| Net operating income to assets | 0.3859% | 4,739 |
| Return on assets (ROA) | 0.3847% | 4,752 |
| Pretax return on assets | 0.2724% | 5,242 |
| Return on Equity (ROE) | 4.6892% | 4,294 |
| Retained earnings to average equity (ytd only) | 4.0772% | 2,730 |
| Net charge-offs to loans | 0.0382% | 3,031 |
| Credit loss provision to net charge-offs | 195.1220% | 1,399 |
| Earnings coverage of net charge-offs (x) | 12.5854% | 2,460 |
| Efficiency ratio | 87.5216% | 559 |
| Assets per employee ($millions) | 2.8768% | 5,277 |
| Cash dividends to net income (ytd only)* | 13.0506% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6191% | 5,208 |
| Loan loss allowance to noncurrent loans | 68.9655% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.0057% | 1,528 |
| Noncurrent loans to loans | 0.8978% | 1,982 |
| Net loans and leases to total assets | 67.3385% | 2,910 |
| Net loans and leases to deposits | 74.6879% | 3,457 |
| Net loans and leases to core deposits | 82.0354% | 3,240 |
| Total domestic deposits to total assets | 90.1598% | 513 |
| Equity capital to assets | 8.2753% | 5,270 |
| Core capital (leverage) ratio | 7.9564% | 5,465 |
| Tier 1 risk-based capital ratio | 10.3510% | 5,427 |
| Total risk-based capital ratio | 10.9140% | 5,561 |
| Memoranda: | ||
| Average total assets | $159,348,600 | 3,359 |
| Average earning assets | $137,186,800 | 3,488 |
| Average equity | $13,072,600 | 3,975 |
| Average total loans | $107,248,600 | 3,224 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8535% | 830 |
| Cost of funding earning assets | 0.4569% | 2,643 |
| Net interest margin | 4.3966% | 735 |
| Noninterest income to average assets | 1.4385% | 518 |
| Noninterest expense to average assets | 4.8312% | 244 |
| Loan and lease loss provision to assets | 0.0381% | 3,344 |
| Net operating income to assets | 0.3040% | 5,209 |
| Return on assets (ROA) | 0.2955% | 5,246 |
| Pretax return on assets | 0.3412% | 5,274 |
| Return on Equity (ROE) | 3.6103% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.7827% | 4,245 |
| Net charge-offs to loans | 0.0340% | 2,750 |
| Credit loss provision to net charge-offs | 166.6667% | 1,553 |
| Earnings coverage of net charge-offs (x) | 16.9625% | 2,137 |
| Efficiency ratio | 87.4757% | 540 |
| Assets per employee ($millions) | 3.6449% | 4,522 |
| Cash dividends to net income (ytd only)* | 22.9219% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 5,269 |
| Loan loss allowance to noncurrent loans | 66.2439% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 1,521 |
| Noncurrent loans to loans | 0.9552% | 2,016 |
| Net loans and leases to total assets | 66.4852% | 3,044 |
| Net loans and leases to deposits | 78.8903% | 3,079 |
| Net loans and leases to core deposits | 82.0761% | 3,275 |
| Total domestic deposits to total assets | 84.2755% | 3,012 |
| Equity capital to assets | 8.1547% | 5,457 |
| Core capital (leverage) ratio | 7.7547% | 5,583 |
| Tier 1 risk-based capital ratio | 9.5322% | 5,669 |
| Total risk-based capital ratio | 10.0762% | 5,705 |
| Memoranda: | ||
| Average total assets | $157,471,500 | 3,405 |
| Average earning assets | $135,405,500 | 3,545 |
| Average equity | $12,888,750 | 4,037 |
| Average total loans | $105,796,000 | 3,277 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 865 |
| Cost of funding earning assets | 0.4500% | 2,599 |
| Net interest margin | 4.3473% | 768 |
| Noninterest income to average assets | 1.4428% | 520 |
| Noninterest expense to average assets | 4.7398% | 265 |
| Loan and lease loss provision to assets | 0.0383% | 3,246 |
| Net operating income to assets | 0.3463% | 5,107 |
| Return on assets (ROA) | 0.3323% | 5,168 |
| Pretax return on assets | 0.3910% | 5,186 |
| Return on Equity (ROE) | 4.0544% | 4,817 |
| Retained earnings to average equity (ytd only) | 2.8069% | 4,032 |
| Net charge-offs to loans | 0.0361% | 2,473 |
| Credit loss provision to net charge-offs | 157.8947% | 1,479 |
| Earnings coverage of net charge-offs (x) | 18.2632% | 1,891 |
| Efficiency ratio | 86.7604% | 627 |
| Assets per employee ($millions) | 3.5960% | 4,582 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 5,319 |
| Loan loss allowance to noncurrent loans | 62.7451% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 1,631 |
| Noncurrent loans to loans | 1.0243% | 1,920 |
| Net loans and leases to total assets | 67.1862% | 2,924 |
| Net loans and leases to deposits | 76.6179% | 3,268 |
| Net loans and leases to core deposits | 81.1178% | 3,335 |
| Total domestic deposits to total assets | 87.6900% | 1,622 |
| Equity capital to assets | 8.4175% | 5,346 |
| Core capital (leverage) ratio | 7.7226% | 5,604 |
| Tier 1 risk-based capital ratio | 10.3932% | 5,509 |
| Total risk-based capital ratio | 10.9877% | 5,654 |
| Memoranda: | ||
| Average total assets | $156,504,000 | 3,435 |
| Average earning assets | $134,657,000 | 3,578 |
| Average equity | $12,825,670 | 4,060 |
| Average total loans | $105,293,330 | 3,295 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 979 |
| Cost of funding earning assets | 0.4422% | 2,593 |
| Net interest margin | 4.2332% | 922 |
| Noninterest income to average assets | 1.4101% | 537 |
| Noninterest expense to average assets | 4.5655% | 316 |
| Loan and lease loss provision to assets | 0.0381% | 3,038 |
| Net operating income to assets | 0.3659% | 5,034 |
| Return on assets (ROA) | 0.3481% | 5,099 |
| Pretax return on assets | 0.4370% | 5,085 |
| Return on Equity (ROE) | 4.3046% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.3046% | 3,274 |
| Net charge-offs to loans | 0.0151% | 2,499 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 917 |
| Efficiency ratio | 88.4480% | 639 |
| Assets per employee ($millions) | 3.5902% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 5,411 |
| Loan loss allowance to noncurrent loans | 121.5190% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 2,090 |
| Noncurrent loans to loans | 0.5283% | 3,229 |
| Net loans and leases to total assets | 65.8323% | 2,996 |
| Net loans and leases to deposits | 72.1139% | 3,600 |
| Net loans and leases to core deposits | 77.4589% | 3,520 |
| Total domestic deposits to total assets | 91.2894% | 214 |
| Equity capital to assets | 8.1276% | 5,459 |
| Core capital (leverage) ratio | 7.4516% | 5,714 |
| Tier 1 risk-based capital ratio | 10.4382% | 5,568 |
| Total risk-based capital ratio | 11.0401% | 5,721 |
| Memoranda: | ||
| Average total assets | $157,441,000 | 3,458 |
| Average earning assets | $135,689,000 | 3,592 |
| Average equity | $12,730,500 | 4,103 |
| Average total loans | $105,659,000 | 3,306 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 559 |
| Cost of funding earning assets | 0.3926% | 3,071 |
| Net interest margin | 4.6416% | 469 |
| Noninterest income to average assets | 1.2483% | 733 |
| Noninterest expense to average assets | 4.7700% | 297 |
| Loan and lease loss provision to assets | 0.1319% | 1,890 |
| Net operating income to assets | 0.2317% | 5,348 |
| Return on assets (ROA) | 0.2630% | 5,363 |
| Pretax return on assets | 0.3767% | 5,256 |
| Return on Equity (ROE) | 3.1832% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.1832% | 3,645 |
| Net charge-offs to loans | 0.1773% | 1,549 |
| Credit loss provision to net charge-offs | 114.7059% | 2,291 |
| Earnings coverage of net charge-offs (x) | 4.0706% | 3,563 |
| Efficiency ratio | 89.1815% | 605 |
| Assets per employee ($millions) | 3.1383% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6198% | 5,496 |
| Loan loss allowance to noncurrent loans | 100.3035% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 1,994 |
| Noncurrent loans to loans | 0.6179% | 2,999 |
| Net loans and leases to total assets | 67.5472% | 2,844 |
| Net loans and leases to deposits | 74.7737% | 3,441 |
| Net loans and leases to core deposits | 85.2724% | 2,906 |
| Total domestic deposits to total assets | 90.3355% | 496 |
| Equity capital to assets | 8.0439% | 5,545 |
| Core capital (leverage) ratio | 7.5815% | 5,735 |
| Tier 1 risk-based capital ratio | 9.9167% | 5,757 |
| Total risk-based capital ratio | 10.4904% | 5,841 |
| Memoranda: | ||
| Average total assets | $147,882,600 | 3,556 |
| Average earning assets | $127,110,800 | 3,699 |
| Average equity | $12,220,400 | 4,219 |
| Average total loans | $95,880,200 | 3,462 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9764% | 630 |
| Cost of funding earning assets | 0.3878% | 3,146 |
| Net interest margin | 4.5886% | 519 |
| Noninterest income to average assets | 1.0343% | 1,063 |
| Noninterest expense to average assets | 4.3077% | 440 |
| Loan and lease loss provision to assets | 0.1237% | 1,883 |
| Net operating income to assets | 0.4947% | 4,717 |
| Return on assets (ROA) | 0.5350% | 4,657 |
| Pretax return on assets | 0.5350% | 5,051 |
| Return on Equity (ROE) | 6.4245% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.4245% | 1,954 |
| Net charge-offs to loans | 0.2062% | 1,136 |
| Credit loss provision to net charge-offs | 95.0704% | 2,458 |
| Earnings coverage of net charge-offs (x) | 4.7535% | 3,227 |
| Efficiency ratio | 87.4465% | 709 |
| Assets per employee ($millions) | 3.2213% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 5,525 |
| Loan loss allowance to noncurrent loans | 68.0000% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1986% | 1,659 |
| Noncurrent loans to loans | 0.9577% | 2,328 |
| Net loans and leases to total assets | 64.7582% | 3,305 |
| Net loans and leases to deposits | 73.2935% | 3,664 |
| Net loans and leases to core deposits | 80.4828% | 3,400 |
| Total domestic deposits to total assets | 88.3546% | 1,207 |
| Equity capital to assets | 9.0080% | 5,169 |
| Core capital (leverage) ratio | 8.5654% | 5,301 |
| Tier 1 risk-based capital ratio | 11.6781% | 4,990 |
| Total risk-based capital ratio | 12.2572% | 5,279 |
| Memoranda: | ||
| Average total assets | $145,533,250 | 3,599 |
| Average earning assets | $123,432,750 | 3,790 |
| Average equity | $12,120,000 | 4,268 |
| Average total loans | $91,820,750 | 3,555 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 699 |
| Cost of funding earning assets | 0.3772% | 3,279 |
| Net interest margin | 4.5358% | 570 |
| Noninterest income to average assets | 1.0135% | 1,084 |
| Noninterest expense to average assets | 4.2627% | 463 |
| Loan and lease loss provision to assets | 0.1106% | 2,028 |
| Net operating income to assets | 0.5309% | 4,557 |
| Return on assets (ROA) | 0.5918% | 4,434 |
| Pretax return on assets | 0.5918% | 4,904 |
| Return on Equity (ROE) | 7.3096% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.3096% | 1,468 |
| Net charge-offs to loans | 0.1330% | 1,532 |
| Credit loss provision to net charge-offs | 133.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | 7.7333% | 2,600 |
| Efficiency ratio | 86.9185% | 801 |
| Assets per employee ($millions) | 3.4557% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 5,533 |
| Loan loss allowance to noncurrent loans | 71.1497% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 1,742 |
| Noncurrent loans to loans | 0.9776% | 2,324 |
| Net loans and leases to total assets | 63.0319% | 3,497 |
| Net loans and leases to deposits | 71.5084% | 3,830 |
| Net loans and leases to core deposits | 73.9322% | 3,988 |
| Total domestic deposits to total assets | 88.1461% | 1,357 |
| Equity capital to assets | 8.8678% | 5,339 |
| Core capital (leverage) ratio | 8.6037% | 5,263 |
| Tier 1 risk-based capital ratio | 12.4752% | 4,546 |
| Total risk-based capital ratio | 13.1295% | 4,807 |
| Memoranda: | ||
| Average total assets | $144,651,330 | 3,634 |
| Average earning assets | $124,080,330 | 3,797 |
| Average equity | $11,710,670 | 4,362 |
| Average total loans | $90,232,000 | 3,605 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 899 |
| Cost of funding earning assets | 0.3774% | 3,328 |
| Net interest margin | 4.3982% | 745 |
| Noninterest income to average assets | 0.9728% | 1,142 |
| Noninterest expense to average assets | 4.3314% | 442 |
| Loan and lease loss provision to assets | 0.0981% | 2,058 |
| Net operating income to assets | 0.3981% | 5,003 |
| Return on assets (ROA) | 0.4233% | 5,003 |
| Pretax return on assets | 0.4233% | 5,259 |
| Return on Equity (ROE) | 5.5022% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.5022% | 2,649 |
| Net charge-offs to loans | 0.0454% | 2,112 |
| Credit loss provision to net charge-offs | 350.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 17.7000% | 1,562 |
| Efficiency ratio | 89.7213% | 687 |
| Assets per employee ($millions) | 3.3644% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 5,494 |
| Loan loss allowance to noncurrent loans | 94.1595% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0852% | 2,040 |
| Noncurrent loans to loans | 0.7975% | 2,842 |
| Net loans and leases to total assets | 60.3850% | 3,719 |
| Net loans and leases to deposits | 65.5671% | 4,297 |
| Net loans and leases to core deposits | 67.2303% | 4,455 |
| Total domestic deposits to total assets | 92.0965% | 103 |
| Equity capital to assets | 7.6671% | 5,915 |
| Core capital (leverage) ratio | 7.3780% | 5,947 |
| Tier 1 risk-based capital ratio | 11.3557% | 5,306 |
| Total risk-based capital ratio | 12.0727% | 5,502 |
| Memoranda: | ||
| Average total assets | $142,680,500 | 3,690 |
| Average earning assets | $125,052,500 | 3,804 |
| Average equity | $10,977,500 | 4,512 |
| Average total loans | $88,189,500 | 3,647 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 736 |
| Cost of funding earning assets | 0.4209% | 2,933 |
| Net interest margin | 4.4977% | 657 |
| Noninterest income to average assets | 0.9420% | 1,336 |
| Noninterest expense to average assets | 4.3656% | 450 |
| Loan and lease loss provision to assets | 0.1232% | 1,947 |
| Net operating income to assets | 0.3637% | 5,164 |
| Return on assets (ROA) | 0.4608% | 4,922 |
| Pretax return on assets | 0.4608% | 5,200 |
| Return on Equity (ROE) | 5.7948% | 4,132 |
| Retained earnings to average equity (ytd only) | -2.6878% | 5,796 |
| Net charge-offs to loans | 0.0786% | 2,691 |
| Credit loss provision to net charge-offs | 257.5758% | 1,116 |
| Earnings coverage of net charge-offs (x) | 10.1818% | 2,722 |
| Efficiency ratio | 87.7856% | 848 |
| Assets per employee ($millions) | 3.2719% | 5,188 |
| Cash dividends to net income (ytd only)* | 146.3836% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 5,599 |
| Loan loss allowance to noncurrent loans | 95.3523% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.0214% | 2,152 |
| Noncurrent loans to loans | 0.7549% | 2,919 |
| Net loans and leases to total assets | 62.3515% | 3,509 |
| Net loans and leases to deposits | 67.7853% | 4,149 |
| Net loans and leases to core deposits | 70.7193% | 4,244 |
| Total domestic deposits to total assets | 91.9839% | 114 |
| Equity capital to assets | 7.7212% | 5,938 |
| Core capital (leverage) ratio | 7.3837% | 5,997 |
| Tier 1 risk-based capital ratio | 10.9564% | 5,542 |
| Total risk-based capital ratio | 11.6201% | 5,754 |
| Memoranda: | ||
| Average total assets | $138,010,000 | 3,751 |
| Average earning assets | $119,993,400 | 3,881 |
| Average equity | $10,975,400 | 4,486 |
| Average total loans | $84,000,800 | 3,724 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 774 |
| Cost of funding earning assets | 0.4255% | 2,956 |
| Net interest margin | 4.4690% | 700 |
| Noninterest income to average assets | 1.0096% | 1,163 |
| Noninterest expense to average assets | 4.3346% | 467 |
| Loan and lease loss provision to assets | 0.1213% | 1,874 |
| Net operating income to assets | 0.4281% | 5,060 |
| Return on assets (ROA) | 0.5553% | 4,666 |
| Pretax return on assets | 0.5553% | 5,083 |
| Return on Equity (ROE) | 6.9310% | 3,661 |
| Retained earnings to average equity (ytd only) | -2.4477% | 5,896 |
| Net charge-offs to loans | 0.0836% | 2,348 |
| Credit loss provision to net charge-offs | 240.3846% | 1,172 |
| Earnings coverage of net charge-offs (x) | 10.8849% | 2,553 |
| Efficiency ratio | 86.5832% | 966 |
| Assets per employee ($millions) | 3.1911% | 5,305 |
| Cash dividends to net income (ytd only)* | 135.3137% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 5,753 |
| Loan loss allowance to noncurrent loans | 123.9754% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9088% | 2,599 |
| Noncurrent loans to loans | 0.5567% | 3,662 |
| Net loans and leases to total assets | 63.4481% | 3,385 |
| Net loans and leases to deposits | 69.2593% | 4,066 |
| Net loans and leases to core deposits | 73.7255% | 4,042 |
| Total domestic deposits to total assets | 91.6096% | 139 |
| Equity capital to assets | 8.0289% | 5,946 |
| Core capital (leverage) ratio | 7.6523% | 6,020 |
| Tier 1 risk-based capital ratio | 11.1155% | 5,596 |
| Total risk-based capital ratio | 11.7514% | 5,813 |
| Memoranda: | ||
| Average total assets | $137,339,750 | 3,800 |
| Average earning assets | $119,070,250 | 3,936 |
| Average equity | $11,003,500 | 4,530 |
| Average total loans | $82,911,250 | 3,779 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 915 |
| Cost of funding earning assets | 0.4369% | 2,887 |
| Net interest margin | 4.3491% | 834 |
| Noninterest income to average assets | 0.9882% | 1,204 |
| Noninterest expense to average assets | 4.3152% | 486 |
| Loan and lease loss provision to assets | 0.1601% | 1,323 |
| Net operating income to assets | 0.2649% | 5,539 |
| Return on assets (ROA) | 0.4555% | 5,053 |
| Pretax return on assets | 0.4555% | 5,341 |
| Return on Equity (ROE) | 5.6710% | 4,290 |
| Retained earnings to average equity (ytd only) | -3.7505% | 5,960 |
| Net charge-offs to loans | 0.1328% | 1,707 |
| Credit loss provision to net charge-offs | 203.7037% | 1,212 |
| Earnings coverage of net charge-offs (x) | 5.4074% | 2,927 |
| Efficiency ratio | 88.7934% | 844 |
| Assets per employee ($millions) | 3.0842% | 5,493 |
| Cash dividends to net income (ytd only)* | 166.1342% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 5,754 |
| Loan loss allowance to noncurrent loans | 90.6009% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.1147% | 2,276 |
| Noncurrent loans to loans | 0.8011% | 3,112 |
| Net loans and leases to total assets | 57.9478% | 4,108 |
| Net loans and leases to deposits | 63.1113% | 4,610 |
| Net loans and leases to core deposits | 65.8835% | 4,668 |
| Total domestic deposits to total assets | 91.8184% | 146 |
| Equity capital to assets | 7.8502% | 6,034 |
| Core capital (leverage) ratio | 7.5769% | 6,079 |
| Tier 1 risk-based capital ratio | 12.4389% | 4,849 |
| Total risk-based capital ratio | 13.1293% | 5,126 |
| Memoranda: | ||
| Average total assets | $137,420,670 | 3,832 |
| Average earning assets | $118,553,000 | 3,979 |
| Average equity | $11,038,670 | 4,556 |
| Average total loans | $81,326,330 | 3,839 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 876 |
| Cost of funding earning assets | 0.4572% | 2,704 |
| Net interest margin | 4.3347% | 820 |
| Noninterest income to average assets | 0.9683% | 1,194 |
| Noninterest expense to average assets | 4.3178% | 488 |
| Loan and lease loss provision to assets | 0.1609% | 1,256 |
| Net operating income to assets | 0.2340% | 5,603 |
| Return on assets (ROA) | 0.6172% | 4,301 |
| Pretax return on assets | 0.6172% | 4,867 |
| Return on Equity (ROE) | 7.5964% | 3,168 |
| Retained earnings to average equity (ytd only) | -7.5244% | 6,057 |
| Net charge-offs to loans | 0.0344% | 2,519 |
| Credit loss provision to net charge-offs | 785.7143% | 394 |
| Earnings coverage of net charge-offs (x) | 19.2857% | 1,451 |
| Efficiency ratio | 91.6201% | 738 |
| Assets per employee ($millions) | 3.0932% | 5,555 |
| Cash dividends to net income (ytd only)* | 199.0521% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7237% | 5,858 |
| Loan loss allowance to noncurrent loans | 85.5457% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.0855% | 2,448 |
| Noncurrent loans to loans | 0.8460% | 3,131 |
| Net loans and leases to total assets | 57.1598% | 4,067 |
| Net loans and leases to deposits | 62.2719% | 4,550 |
| Net loans and leases to core deposits | 64.7375% | 4,633 |
| Total domestic deposits to total assets | 91.7906% | 177 |
| Equity capital to assets | 7.9292% | 6,057 |
| Core capital (leverage) ratio | 7.6350% | 6,100 |
| Tier 1 risk-based capital ratio | 11.4556% | 5,583 |
| Total risk-based capital ratio | 12.0836% | 5,809 |
| Memoranda: | ||
| Average total assets | $136,737,500 | 3,866 |
| Average earning assets | $118,117,500 | 4,013 |
| Average equity | $11,110,500 | 4,579 |
| Average total loans | $81,483,500 | 3,846 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2267% | 495 |
| Cost of funding earning assets | 0.4661% | 3,014 |
| Net interest margin | 4.7606% | 467 |
| Noninterest income to average assets | 0.9602% | 1,321 |
| Noninterest expense to average assets | 4.4827% | 470 |
| Loan and lease loss provision to assets | 0.0861% | 2,749 |
| Net operating income to assets | 0.5729% | 4,497 |
| Return on assets (ROA) | 0.6097% | 4,427 |
| Pretax return on assets | 0.6097% | 4,912 |
| Return on Equity (ROE) | 7.4845% | 3,378 |
| Retained earnings to average equity (ytd only) | 0.7051% | 5,450 |
| Net charge-offs to loans | 0.1157% | 2,876 |
| Credit loss provision to net charge-offs | 119.3878% | 2,016 |
| Earnings coverage of net charge-offs (x) | 9.1327% | 2,788 |
| Efficiency ratio | 87.1832% | 1,057 |
| Assets per employee ($millions) | 2.9192% | 5,805 |
| Cash dividends to net income (ytd only)* | 90.5797% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6423% | 6,085 |
| Loan loss allowance to noncurrent loans | 144.9591% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9004% | 2,960 |
| Noncurrent loans to loans | 0.4431% | 4,314 |
| Net loans and leases to total assets | 61.2834% | 3,601 |
| Net loans and leases to deposits | 67.0851% | 4,211 |
| Net loans and leases to core deposits | 69.8562% | 4,341 |
| Total domestic deposits to total assets | 91.3517% | 260 |
| Equity capital to assets | 8.3288% | 5,880 |
| Core capital (leverage) ratio | 7.5954% | 6,175 |
| Tier 1 risk-based capital ratio | 11.1247% | 5,857 |
| Total risk-based capital ratio | 11.7119% | 6,056 |
| Memoranda: | ||
| Average total assets | $135,811,600 | 3,877 |
| Average earning assets | $119,292,000 | 3,989 |
| Average equity | $11,062,800 | 4,553 |
| Average total loans | $84,713,400 | 3,749 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1993% | 526 |
| Cost of funding earning assets | 0.4681% | 3,068 |
| Net interest margin | 4.7311% | 476 |
| Noninterest income to average assets | 1.0269% | 1,170 |
| Noninterest expense to average assets | 4.3682% | 525 |
| Loan and lease loss provision to assets | 0.0783% | 2,778 |
| Net operating income to assets | 0.7460% | 3,692 |
| Return on assets (ROA) | 0.7900% | 3,575 |
| Pretax return on assets | 0.7900% | 4,395 |
| Return on Equity (ROE) | 9.7527% | 2,329 |
| Retained earnings to average equity (ytd only) | 2.5016% | 4,795 |
| Net charge-offs to loans | 0.0689% | 3,212 |
| Credit loss provision to net charge-offs | 181.8182% | 1,374 |
| Earnings coverage of net charge-offs (x) | 19.1348% | 1,802 |
| Efficiency ratio | 84.1252% | 1,377 |
| Assets per employee ($millions) | 2.9906% | 5,730 |
| Cash dividends to net income (ytd only)* | 74.3497% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6373% | 6,177 |
| Loan loss allowance to noncurrent loans | 119.6078% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9660% | 3,035 |
| Noncurrent loans to loans | 0.5329% | 4,338 |
| Net loans and leases to total assets | 63.5990% | 3,247 |
| Net loans and leases to deposits | 69.6565% | 3,957 |
| Net loans and leases to core deposits | 73.7773% | 3,963 |
| Total domestic deposits to total assets | 91.3038% | 279 |
| Equity capital to assets | 8.3737% | 5,892 |
| Core capital (leverage) ratio | 7.5420% | 6,266 |
| Tier 1 risk-based capital ratio | 11.1274% | 5,941 |
| Total risk-based capital ratio | 11.7280% | 6,162 |
| Memoranda: | ||
| Average total assets | $136,194,250 | 3,894 |
| Average earning assets | $119,911,500 | 3,992 |
| Average equity | $11,032,500 | 4,591 |
| Average total loans | $85,185,750 | 3,777 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 544 |
| Cost of funding earning assets | 0.4665% | 3,144 |
| Net interest margin | 4.6920% | 493 |
| Noninterest income to average assets | 1.0151% | 1,159 |
| Noninterest expense to average assets | 4.3705% | 517 |
| Loan and lease loss provision to assets | 0.0731% | 2,806 |
| Net operating income to assets | 0.7050% | 3,813 |
| Return on assets (ROA) | 0.7357% | 3,739 |
| Pretax return on assets | 0.7357% | 4,516 |
| Return on Equity (ROE) | 9.1841% | 2,512 |
| Retained earnings to average equity (ytd only) | -1.7711% | 5,962 |
| Net charge-offs to loans | 0.0377% | 3,470 |
| Credit loss provision to net charge-offs | 312.5000% | 827 |
| Earnings coverage of net charge-offs (x) | 33.2500% | 1,186 |
| Efficiency ratio | 84.8864% | 1,399 |
| Assets per employee ($millions) | 2.9413% | 5,836 |
| Cash dividends to net income (ytd only)* | 119.2843% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6337% | 6,264 |
| Loan loss allowance to noncurrent loans | 149.0463% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 3,455 |
| Noncurrent loans to loans | 0.4251% | 4,721 |
| Net loans and leases to total assets | 62.0480% | 3,395 |
| Net loans and leases to deposits | 67.6128% | 4,093 |
| Net loans and leases to core deposits | 70.3044% | 4,235 |
| Total domestic deposits to total assets | 91.7696% | 202 |
| Equity capital to assets | 7.9454% | 6,183 |
| Core capital (leverage) ratio | 7.1829% | 6,398 |
| Tier 1 risk-based capital ratio | 10.5517% | 6,234 |
| Total risk-based capital ratio | 11.1388% | 6,394 |
| Memoranda: | ||
| Average total assets | $136,733,670 | 3,910 |
| Average earning assets | $120,460,000 | 3,996 |
| Average equity | $10,953,670 | 4,618 |
| Average total loans | $84,868,330 | 3,796 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 544 |
| Cost of funding earning assets | 0.4672% | 3,252 |
| Net interest margin | 4.6784% | 486 |
| Noninterest income to average assets | 1.1178% | 895 |
| Noninterest expense to average assets | 4.3124% | 546 |
| Loan and lease loss provision to assets | 0.0882% | 2,446 |
| Net operating income to assets | 0.8413% | 2,945 |
| Return on assets (ROA) | 0.8825% | 2,798 |
| Pretax return on assets | 0.8825% | 3,765 |
| Return on Equity (ROE) | 10.9704% | 1,691 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2671% | 1,892 |
| Assets per employee ($millions) | 2.6884% | 6,210 |
| Cash dividends to net income (ytd only)* | 100.0000% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6483% | 6,344 |
| Loan loss allowance to noncurrent loans | 111.7284% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 3,935 |
| Noncurrent loans to loans | 0.5802% | 4,421 |
| Net loans and leases to total assets | 59.5286% | 3,632 |
| Net loans and leases to deposits | 64.8055% | 4,228 |
| Net loans and leases to core deposits | 67.6294% | 4,348 |
| Total domestic deposits to total assets | 91.8574% | 285 |
| Equity capital to assets | 7.8608% | 6,140 |
| Core capital (leverage) ratio | 7.2687% | 6,410 |
| Tier 1 risk-based capital ratio | 10.8760% | 6,208 |
| Total risk-based capital ratio | 11.4729% | 6,383 |
| Memoranda: | ||
| Average total assets | $135,979,000 | 3,960 |
| Average earning assets | $119,871,000 | 4,044 |
| Average equity | $10,938,500 | 4,635 |
| Average total loans | $84,140,500 | 3,840 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2831% | 551 |
| Cost of funding earning assets | 0.5371% | 3,223 |
| Net interest margin | 4.7461% | 479 |
| Noninterest income to average assets | 1.0356% | 1,307 |
| Noninterest expense to average assets | 4.6165% | 475 |
| Loan and lease loss provision to assets | 0.0946% | 3,231 |
| Net operating income to assets | 0.4289% | 5,039 |
| Return on assets (ROA) | 0.4448% | 5,100 |
| Pretax return on assets | 0.4448% | 5,375 |
| Return on Equity (ROE) | 5.4036% | 4,446 |
| Retained earnings to average equity (ytd only) | 2.6467% | 4,365 |
| Net charge-offs to loans | 0.1465% | 3,336 |
| Credit loss provision to net charge-offs | 105.9322% | 2,278 |
| Earnings coverage of net charge-offs (x) | 5.8644% | 3,188 |
| Efficiency ratio | 89.8160% | 1,038 |
| Assets per employee ($millions) | 2.4936% | 6,408 |
| Cash dividends to net income (ytd only)* | 51.0204% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6070% | 6,463 |
| Loan loss allowance to noncurrent loans | 89.8424% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 3,764 |
| Noncurrent loans to loans | 0.6756% | 4,286 |
| Net loans and leases to total assets | 63.5632% | 3,124 |
| Net loans and leases to deposits | 69.5060% | 3,841 |
| Net loans and leases to core deposits | 72.2479% | 4,036 |
| Total domestic deposits to total assets | 91.4500% | 418 |
| Equity capital to assets | 8.2383% | 5,835 |
| Core capital (leverage) ratio | 7.4582% | 6,388 |
| Tier 1 risk-based capital ratio | 11.0647% | 6,142 |
| Total risk-based capital ratio | 11.6406% | 6,357 |
| Memoranda: | ||
| Average total assets | $132,199,200 | 4,031 |
| Average earning assets | $114,326,000 | 4,178 |
| Average equity | $10,881,600 | 4,659 |
| Average total loans | $80,526,600 | 3,927 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 628 |
| Cost of funding earning assets | 0.5541% | 3,224 |
| Net interest margin | 4.6552% | 559 |
| Noninterest income to average assets | 1.0599% | 1,298 |
| Noninterest expense to average assets | 4.5533% | 497 |
| Loan and lease loss provision to assets | 0.0958% | 3,160 |
| Net operating income to assets | 0.4185% | 5,170 |
| Return on assets (ROA) | 0.4296% | 5,260 |
| Pretax return on assets | 0.4296% | 5,554 |
| Return on Equity (ROE) | 5.2205% | 4,614 |
| Retained earnings to average equity (ytd only) | 1.5441% | 5,360 |
| Net charge-offs to loans | 0.1341% | 3,201 |
| Credit loss provision to net charge-offs | 118.7500% | 1,982 |
| Earnings coverage of net charge-offs (x) | 6.3752% | 2,988 |
| Efficiency ratio | 89.8507% | 1,007 |
| Assets per employee ($millions) | 2.4560% | 6,508 |
| Cash dividends to net income (ytd only)* | 70.4220% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6226% | 6,532 |
| Loan loss allowance to noncurrent loans | 99.0494% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 4,160 |
| Noncurrent loans to loans | 0.6286% | 4,624 |
| Net loans and leases to total assets | 62.7008% | 3,220 |
| Net loans and leases to deposits | 73.3360% | 3,345 |
| Net loans and leases to core deposits | 75.2153% | 3,707 |
| Total domestic deposits to total assets | 85.4979% | 3,494 |
| Equity capital to assets | 8.1374% | 6,055 |
| Core capital (leverage) ratio | 7.5404% | 6,435 |
| Tier 1 risk-based capital ratio | 10.8218% | 6,354 |
| Total risk-based capital ratio | 11.4055% | 6,523 |
| Memoranda: | ||
| Average total assets | $132,208,250 | 4,068 |
| Average earning assets | $113,819,250 | 4,227 |
| Average equity | $10,880,000 | 4,710 |
| Average total loans | $79,528,250 | 3,985 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0924% | 781 |
| Cost of funding earning assets | 0.5942% | 2,989 |
| Net interest margin | 4.4982% | 709 |
| Noninterest income to average assets | 1.0646% | 1,353 |
| Noninterest expense to average assets | 4.4628% | 546 |
| Loan and lease loss provision to assets | 0.1136% | 2,916 |
| Net operating income to assets | 0.3286% | 5,493 |
| Return on assets (ROA) | 0.3286% | 5,652 |
| Pretax return on assets | 0.3286% | 5,800 |
| Return on Equity (ROE) | 3.9782% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.9782% | 3,761 |
| Net charge-offs to loans | 0.1254% | 3,119 |
| Credit loss provision to net charge-offs | 153.0612% | 1,509 |
| Earnings coverage of net charge-offs (x) | 5.9592% | 2,800 |
| Efficiency ratio | 90.9849% | 983 |
| Assets per employee ($millions) | 2.3062% | 6,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 6,541 |
| Loan loss allowance to noncurrent loans | 138.5417% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 4,212 |
| Noncurrent loans to loans | 0.4831% | 5,057 |
| Net loans and leases to total assets | 61.1406% | 3,453 |
| Net loans and leases to deposits | 67.5784% | 4,072 |
| Net loans and leases to core deposits | 69.1037% | 4,376 |
| Total domestic deposits to total assets | 90.4735% | 774 |
| Equity capital to assets | 8.4680% | 5,801 |
| Core capital (leverage) ratio | 7.4912% | 6,456 |
| Tier 1 risk-based capital ratio | 11.4271% | 6,149 |
| Total risk-based capital ratio | 12.0530% | 6,382 |
| Memoranda: | ||
| Average total assets | $132,070,330 | 4,099 |
| Average earning assets | $112,755,330 | 4,276 |
| Average equity | $10,909,330 | 4,745 |
| Average total loans | $78,145,670 | 4,039 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 872 |
| Cost of funding earning assets | 0.6582% | 2,580 |
| Net interest margin | 4.3513% | 880 |
| Noninterest income to average assets | 1.0424% | 1,362 |
| Noninterest expense to average assets | 4.4334% | 567 |
| Loan and lease loss provision to assets | 0.2247% | 1,636 |
| Net operating income to assets | 0.0479% | 6,255 |
| Return on assets (ROA) | 0.0479% | 6,339 |
| Pretax return on assets | 0.0479% | 6,340 |
| Return on Equity (ROE) | 0.5874% | 6,312 |
| Retained earnings to average equity (ytd only) | 0.5874% | 5,593 |
| Net charge-offs to loans | 0.1239% | 2,682 |
| Credit loss provision to net charge-offs | 312.5000% | 771 |
| Earnings coverage of net charge-offs (x) | 3.7917% | 2,675 |
| Efficiency ratio | 94.2075% | 825 |
| Assets per employee ($millions) | 2.4633% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 6,566 |
| Loan loss allowance to noncurrent loans | 170.0306% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 4,628 |
| Noncurrent loans to loans | 0.4224% | 5,360 |
| Net loans and leases to total assets | 55.7098% | 4,136 |
| Net loans and leases to deposits | 60.8400% | 4,703 |
| Net loans and leases to core deposits | 62.4893% | 4,904 |
| Total domestic deposits to total assets | 91.5678% | 335 |
| Equity capital to assets | 7.9030% | 6,431 |
| Core capital (leverage) ratio | 7.1058% | 6,611 |
| Tier 1 risk-based capital ratio | 11.1204% | 6,353 |
| Total risk-based capital ratio | 11.7729% | 6,549 |
| Memoranda: | ||
| Average total assets | $133,533,000 | 4,111 |
| Average earning assets | $112,425,500 | 4,322 |
| Average equity | $10,896,000 | 4,790 |
| Average total loans | $77,472,500 | 4,081 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1825% | 199 |
| Cost of funding earning assets | 0.8060% | 2,619 |
| Net interest margin | 5.3765% | 203 |
| Noninterest income to average assets | 1.2530% | 993 |
| Noninterest expense to average assets | 5.3484% | 298 |
| Loan and lease loss provision to assets | 0.1947% | 3,203 |
| Net operating income to assets | 0.1875% | 5,815 |
| Return on assets (ROA) | 0.4221% | 5,260 |
| Pretax return on assets | 0.4221% | 5,521 |
| Return on Equity (ROE) | 5.3697% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.2925% | 4,622 |
| Net charge-offs to loans | 0.1218% | 4,467 |
| Credit loss provision to net charge-offs | 233.3333% | 1,057 |
| Earnings coverage of net charge-offs (x) | 4.5797% | 3,319 |
| Efficiency ratio | 93.3305% | 839 |
| Assets per employee ($millions) | 2.3476% | 6,746 |
| Cash dividends to net income (ytd only)* | 57.3066% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6526% | 6,695 |
| Loan loss allowance to noncurrent loans | 113.4529% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 4,714 |
| Noncurrent loans to loans | 0.5752% | 5,092 |
| Net loans and leases to total assets | 59.6605% | 3,660 |
| Net loans and leases to deposits | 65.4864% | 4,360 |
| Net loans and leases to core deposits | 68.6593% | 4,464 |
| Total domestic deposits to total assets | 91.1036% | 461 |
| Equity capital to assets | 8.4341% | 6,101 |
| Core capital (leverage) ratio | 9.1427% | 4,671 |
| Tier 1 risk-based capital ratio | 11.3033% | 6,211 |
| Total risk-based capital ratio | 11.9101% | 6,455 |
| Memoranda: | ||
| Average total assets | $82,679,400 | 5,284 |
| Average earning assets | $68,855,800 | 5,469 |
| Average equity | $6,499,400 | 5,891 |
| Average total loans | $56,638,600 | 4,846 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7853% | 99 |
| Cost of funding earning assets | 0.8898% | 2,242 |
| Net interest margin | 5.8955% | 99 |
| Noninterest income to average assets | 1.4258% | 740 |
| Noninterest expense to average assets | 5.7501% | 236 |
| Loan and lease loss provision to assets | 0.1613% | 3,496 |
| Net operating income to assets | 0.3996% | 5,248 |
| Return on assets (ROA) | 0.7635% | 3,883 |
| Pretax return on assets | 0.7635% | 4,619 |
| Return on Equity (ROE) | 10.0458% | 2,331 |
| Retained earnings to average equity (ytd only) | 5.1093% | 3,289 |
| Net charge-offs to loans | 0.1037% | 4,359 |
| Credit loss provision to net charge-offs | 215.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 7.4753% | 2,599 |
| Efficiency ratio | 91.1118% | 953 |
| Assets per employee ($millions) | 1.9900% | 7,001 |
| Cash dividends to net income (ytd only)* | 49.1403% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 6,402 |
| Loan loss allowance to noncurrent loans | 177.6062% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 4,270 |
| Noncurrent loans to loans | 0.5033% | 5,435 |
| Net loans and leases to total assets | 71.1889% | 1,696 |
| Net loans and leases to deposits | 77.8801% | 2,676 |
| Net loans and leases to core deposits | 85.9959% | 2,465 |
| Total domestic deposits to total assets | 91.4083% | 306 |
| Equity capital to assets | 7.7611% | 6,690 |
| Core capital (leverage) ratio | 7.7724% | 6,484 |
| Tier 1 risk-based capital ratio | 10.3397% | 6,718 |
| Total risk-based capital ratio | 11.1973% | 6,789 |
| Memoranda: | ||
| Average total assets | $71,069,500 | 5,664 |
| Average earning assets | $58,890,750 | 5,845 |
| Average equity | $5,401,750 | 6,243 |
| Average total loans | $51,413,500 | 5,106 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8494% | 96 |
| Cost of funding earning assets | 0.8912% | 2,472 |
| Net interest margin | 5.9582% | 91 |
| Noninterest income to average assets | 1.5068% | 642 |
| Noninterest expense to average assets | 5.7873% | 240 |
| Loan and lease loss provision to assets | 0.2060% | 3,010 |
| Net operating income to assets | 0.4374% | 5,084 |
| Return on assets (ROA) | 0.9876% | 2,751 |
| Pretax return on assets | 0.9876% | 3,752 |
| Return on Equity (ROE) | 13.0866% | 1,339 |
| Retained earnings to average equity (ytd only) | 5.6085% | 2,925 |
| Net charge-offs to loans | 0.0545% | 4,647 |
| Credit loss provision to net charge-offs | 521.4286% | 577 |
| Earnings coverage of net charge-offs (x) | 16.2857% | 1,600 |
| Efficiency ratio | 89.9956% | 1,069 |
| Assets per employee ($millions) | 1.7776% | 7,107 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 6,425 |
| Loan loss allowance to noncurrent loans | 76.7857% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 4,046 |
| Noncurrent loans to loans | 1.1890% | 4,169 |
| Net loans and leases to total assets | 70.4377% | 1,840 |
| Net loans and leases to deposits | 76.9075% | 2,849 |
| Net loans and leases to core deposits | 86.1716% | 2,408 |
| Total domestic deposits to total assets | 91.5875% | 297 |
| Equity capital to assets | 7.5302% | 6,789 |
| Core capital (leverage) ratio | 7.5319% | 6,611 |
| Tier 1 risk-based capital ratio | 10.2904% | 6,757 |
| Total risk-based capital ratio | 11.1771% | 6,830 |
| Memoranda: | ||
| Average total assets | $70,879,670 | 5,705 |
| Average earning assets | $58,574,670 | 5,887 |
| Average equity | $5,349,000 | 6,288 |
| Average total loans | $51,398,330 | 5,130 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9079% | 97 |
| Cost of funding earning assets | 0.9188% | 2,530 |
| Net interest margin | 5.9892% | 102 |
| Noninterest income to average assets | 1.4997% | 637 |
| Noninterest expense to average assets | 5.6841% | 239 |
| Loan and lease loss provision to assets | 0.3206% | 1,959 |
| Net operating income to assets | 0.4579% | 5,006 |
| Return on assets (ROA) | 0.4637% | 5,180 |
| Pretax return on assets | 0.4637% | 5,545 |
| Return on Equity (ROE) | 6.1369% | 4,222 |
| Retained earnings to average equity (ytd only) | -9.0160% | 6,811 |
| Net charge-offs to loans | 0.1172% | 3,413 |
| Credit loss provision to net charge-offs | 373.3333% | 836 |
| Earnings coverage of net charge-offs (x) | 9.0667% | 1,886 |
| Efficiency ratio | 87.9539% | 1,286 |
| Assets per employee ($millions) | 1.8452% | 7,162 |
| Cash dividends to net income (ytd only)* | 246.9136% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 6,596 |
| Loan loss allowance to noncurrent loans | 95.3878% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 4,059 |
| Noncurrent loans to loans | 0.9172% | 4,833 |
| Net loans and leases to total assets | 71.6330% | 1,468 |
| Net loans and leases to deposits | 81.6737% | 1,976 |
| Net loans and leases to core deposits | 92.1605% | 1,635 |
| Total domestic deposits to total assets | 87.7064% | 2,522 |
| Equity capital to assets | 7.2397% | 6,871 |
| Core capital (leverage) ratio | 7.4399% | 6,670 |
| Tier 1 risk-based capital ratio | 9.7634% | 6,923 |
| Total risk-based capital ratio | 10.6143% | 6,983 |
| Memoranda: | ||
| Average total assets | $69,879,500 | 5,783 |
| Average earning assets | $57,904,500 | 5,942 |
| Average equity | $5,279,500 | 6,343 |
| Average total loans | $51,193,500 | 5,175 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8033% | 124 |
| Cost of funding earning assets | 1.0497% | 3,019 |
| Net interest margin | 5.7536% | 120 |
| Noninterest income to average assets | 1.7265% | 475 |
| Noninterest expense to average assets | 5.8534% | 227 |
| Loan and lease loss provision to assets | 0.1625% | 4,600 |
| Net operating income to assets | 0.6381% | 3,792 |
| Return on assets (ROA) | 0.6873% | 3,735 |
| Pretax return on assets | 0.6873% | 4,378 |
| Return on Equity (ROE) | 8.8017% | 2,542 |
| Retained earnings to average equity (ytd only) | 1.7374% | 4,982 |
| Net charge-offs to loans | 0.1923% | 4,600 |
| Credit loss provision to net charge-offs | 114.7368% | 2,846 |
| Earnings coverage of net charge-offs (x) | 5.6526% | 2,718 |
| Efficiency ratio | 87.9677% | 1,361 |
| Assets per employee ($millions) | 1.7383% | 7,224 |
| Cash dividends to net income (ytd only)* | 80.2603% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 6,699 |
| Loan loss allowance to noncurrent loans | 65.7143% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.5606% | 3,604 |
| Noncurrent loans to loans | 1.2504% | 4,278 |
| Net loans and leases to total assets | 73.7046% | 1,325 |
| Net loans and leases to deposits | 83.6607% | 1,964 |
| Net loans and leases to core deposits | 94.9258% | 1,595 |
| Total domestic deposits to total assets | 88.0994% | 2,090 |
| Equity capital to assets | 7.8900% | 6,641 |
| Core capital (leverage) ratio | 7.9583% | 6,305 |
| Tier 1 risk-based capital ratio | 10.4754% | 6,696 |
| Total risk-based capital ratio | 11.2880% | 6,833 |
| Memoranda: | ||
| Average total assets | $67,072,200 | 5,835 |
| Average earning assets | $57,442,400 | 5,944 |
| Average equity | $5,237,600 | 6,370 |
| Average total loans | $49,391,400 | 5,285 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7377% | 143 |
| Cost of funding earning assets | 1.0747% | 3,148 |
| Net interest margin | 5.6630% | 141 |
| Noninterest income to average assets | 1.6843% | 484 |
| Noninterest expense to average assets | 5.8143% | 222 |
| Loan and lease loss provision to assets | 0.2013% | 4,005 |
| Net operating income to assets | 0.5422% | 4,352 |
| Return on assets (ROA) | 0.6079% | 4,237 |
| Pretax return on assets | 0.6079% | 4,780 |
| Return on Equity (ROE) | 7.8057% | 3,132 |
| Retained earnings to average equity (ytd only) | 1.5356% | 5,368 |
| Net charge-offs to loans | 0.2089% | 4,125 |
| Credit loss provision to net charge-offs | 131.1688% | 2,428 |
| Earnings coverage of net charge-offs (x) | 4.8443% | 2,946 |
| Efficiency ratio | 88.6626% | 1,276 |
| Assets per employee ($millions) | 1.6902% | 7,308 |
| Cash dividends to net income (ytd only)* | 80.3275% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 6,721 |
| Loan loss allowance to noncurrent loans | 85.1406% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.2682% | 4,268 |
| Noncurrent loans to loans | 0.9997% | 4,892 |
| Net loans and leases to total assets | 74.9264% | 1,154 |
| Net loans and leases to deposits | 82.4568% | 2,270 |
| Net loans and leases to core deposits | 93.5062% | 1,833 |
| Total domestic deposits to total assets | 90.8674% | 486 |
| Equity capital to assets | 8.0752% | 6,650 |
| Core capital (leverage) ratio | 7.6939% | 6,644 |
| Tier 1 risk-based capital ratio | 10.5901% | 6,740 |
| Total risk-based capital ratio | 11.4362% | 6,891 |
| Memoranda: | ||
| Average total assets | $66,891,500 | 5,878 |
| Average earning assets | $57,565,250 | 5,988 |
| Average equity | $5,209,750 | 6,431 |
| Average total loans | $49,143,750 | 5,339 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6612% | 171 |
| Cost of funding earning assets | 1.0485% | 3,613 |
| Net interest margin | 5.6127% | 148 |
| Noninterest income to average assets | 1.6871% | 472 |
| Noninterest expense to average assets | 5.7843% | 222 |
| Loan and lease loss provision to assets | 0.2232% | 3,684 |
| Net operating income to assets | 0.5058% | 4,478 |
| Return on assets (ROA) | 0.5058% | 4,618 |
| Pretax return on assets | 0.5058% | 5,055 |
| Return on Equity (ROE) | 6.5739% | 3,661 |
| Retained earnings to average equity (ytd only) | -2.9002% | 6,364 |
| Net charge-offs to loans | 0.2780% | 3,502 |
| Credit loss provision to net charge-offs | 110.2941% | 2,779 |
| Earnings coverage of net charge-offs (x) | 3.6029% | 3,112 |
| Efficiency ratio | 88.8077% | 1,342 |
| Assets per employee ($millions) | 1.7649% | 7,360 |
| Cash dividends to net income (ytd only)* | 144.1176% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 6,808 |
| Loan loss allowance to noncurrent loans | 53.1943% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 3,632 |
| Noncurrent loans to loans | 1.5697% | 4,053 |
| Net loans and leases to total assets | 68.6375% | 2,484 |
| Net loans and leases to deposits | 77.2959% | 3,250 |
| Net loans and leases to core deposits | 87.1276% | 2,748 |
| Total domestic deposits to total assets | 88.7984% | 1,669 |
| Equity capital to assets | 7.3488% | 7,016 |
| Core capital (leverage) ratio | 7.7142% | 6,574 |
| Tier 1 risk-based capital ratio | 10.2925% | 6,877 |
| Total risk-based capital ratio | 11.1045% | 7,019 |
| Memoranda: | ||
| Average total assets | $67,216,000 | 5,915 |
| Average earning assets | $57,797,330 | 6,027 |
| Average equity | $5,172,000 | 6,474 |
| Average total loans | $48,920,330 | 5,397 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6279% | 173 |
| Cost of funding earning assets | 1.0153% | 4,088 |
| Net interest margin | 5.6126% | 140 |
| Noninterest income to average assets | 1.7886% | 427 |
| Noninterest expense to average assets | 5.9580% | 200 |
| Loan and lease loss provision to assets | 0.2320% | 3,331 |
| Net operating income to assets | 0.4578% | 4,671 |
| Return on assets (ROA) | 0.4578% | 4,760 |
| Pretax return on assets | 0.4578% | 5,157 |
| Return on Equity (ROE) | 5.8095% | 4,011 |
| Retained earnings to average equity (ytd only) | -8.1332% | 6,762 |
| Net charge-offs to loans | 0.2942% | 2,875 |
| Credit loss provision to net charge-offs | 105.5556% | 2,522 |
| Earnings coverage of net charge-offs (x) | 3.1389% | 2,842 |
| Efficiency ratio | 89.6235% | 1,366 |
| Assets per employee ($millions) | 1.6969% | 7,445 |
| Cash dividends to net income (ytd only)* | 240.0000% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8133% | 6,886 |
| Loan loss allowance to noncurrent loans | 59.0308% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5080% | 3,991 |
| Noncurrent loans to loans | 1.3777% | 4,404 |
| Net loans and leases to total assets | 74.0813% | 1,329 |
| Net loans and leases to deposits | 83.4303% | 2,114 |
| Net loans and leases to core deposits | 94.7583% | 1,797 |
| Total domestic deposits to total assets | 88.7942% | 1,902 |
| Equity capital to assets | 7.7214% | 6,732 |
| Core capital (leverage) ratio | 7.7392% | 6,519 |
| Tier 1 risk-based capital ratio | 10.3496% | 6,886 |
| Total risk-based capital ratio | 11.1587% | 7,037 |
| Memoranda: | ||
| Average total assets | $65,525,500 | 6,010 |
| Average earning assets | $56,729,500 | 6,109 |
| Average equity | $5,164,000 | 6,500 |
| Average total loans | $48,948,500 | 5,443 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8713% | 174 |
| Cost of funding earning assets | 1.1959% | 4,586 |
| Net interest margin | 5.6754% | 132 |
| Noninterest income to average assets | 1.6872% | 518 |
| Noninterest expense to average assets | 5.9146% | 240 |
| Loan and lease loss provision to assets | 0.2647% | 4,680 |
| Net operating income to assets | 0.4226% | 4,446 |
| Return on assets (ROA) | 0.6594% | 3,536 |
| Pretax return on assets | 0.6594% | 4,130 |
| Return on Equity (ROE) | 8.3171% | 2,571 |
| Retained earnings to average equity (ytd only) | 3.3971% | 3,492 |
| Net charge-offs to loans | 0.2610% | 4,732 |
| Credit loss provision to net charge-offs | 135.7143% | 2,851 |
| Earnings coverage of net charge-offs (x) | 3.5238% | 3,321 |
| Efficiency ratio | 89.5897% | 1,352 |
| Assets per employee ($millions) | 1.5445% | 7,542 |
| Cash dividends to net income (ytd only)* | 59.1549% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 6,913 |
| Loan loss allowance to noncurrent loans | 77.2640% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 4,470 |
| Noncurrent loans to loans | 1.0708% | 4,943 |
| Net loans and leases to total assets | 74.0963% | 1,643 |
| Net loans and leases to deposits | 83.7711% | 2,489 |
| Net loans and leases to core deposits | 95.5549% | 2,065 |
| Total domestic deposits to total assets | 88.4509% | 1,977 |
| Equity capital to assets | 8.0437% | 6,447 |
| Core capital (leverage) ratio | 8.0667% | 6,080 |
| Tier 1 risk-based capital ratio | 10.8302% | 6,463 |
| Total risk-based capital ratio | 11.6579% | 6,740 |
| Memoranda: | ||
| Average total assets | $64,602,600 | 6,044 |
| Average earning assets | $55,943,000 | 6,135 |
| Average equity | $5,122,000 | 6,631 |
| Average total loans | $48,275,600 | 5,549 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8720% | 177 |
| Cost of funding earning assets | 1.2206% | 4,737 |
| Net interest margin | 5.6514% | 138 |
| Noninterest income to average assets | 1.6218% | 532 |
| Noninterest expense to average assets | 5.7621% | 239 |
| Loan and lease loss provision to assets | 0.2913% | 4,246 |
| Net operating income to assets | 0.4566% | 4,510 |
| Return on assets (ROA) | 0.7727% | 3,272 |
| Pretax return on assets | 0.7727% | 3,999 |
| Return on Equity (ROE) | 9.7813% | 2,214 |
| Retained earnings to average equity (ytd only) | 3.1907% | 4,192 |
| Net charge-offs to loans | 0.3290% | 4,018 |
| Credit loss provision to net charge-offs | 118.4874% | 3,500 |
| Earnings coverage of net charge-offs (x) | 3.0420% | 3,615 |
| Efficiency ratio | 88.5116% | 1,409 |
| Assets per employee ($millions) | 1.5121% | 7,650 |
| Cash dividends to net income (ytd only)* | 67.3799% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 7,018 |
| Loan loss allowance to noncurrent loans | 69.8148% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2990% | 4,546 |
| Noncurrent loans to loans | 1.1376% | 4,963 |
| Net loans and leases to total assets | 74.1490% | 1,773 |
| Net loans and leases to deposits | 83.9939% | 2,706 |
| Net loans and leases to core deposits | 89.4996% | 3,166 |
| Total domestic deposits to total assets | 88.2790% | 1,812 |
| Equity capital to assets | 8.2208% | 6,592 |
| Core capital (leverage) ratio | 7.9271% | 6,437 |
| Tier 1 risk-based capital ratio | 10.9877% | 6,396 |
| Total risk-based capital ratio | 11.7851% | 6,739 |
| Memoranda: | ||
| Average total assets | $64,535,500 | 6,120 |
| Average earning assets | $55,819,500 | 6,201 |
| Average equity | $5,098,000 | 6,719 |
| Average total loans | $48,227,500 | 5,635 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8786% | 184 |
| Cost of funding earning assets | 1.2306% | 4,956 |
| Net interest margin | 5.6480% | 141 |
| Noninterest income to average assets | 1.5506% | 530 |
| Noninterest expense to average assets | 5.6661% | 250 |
| Loan and lease loss provision to assets | 0.3083% | 3,916 |
| Net operating income to assets | 0.4717% | 4,453 |
| Return on assets (ROA) | 0.8138% | 3,055 |
| Pretax return on assets | 0.8138% | 3,829 |
| Return on Equity (ROE) | 10.4410% | 1,947 |
| Retained earnings to average equity (ytd only) | 0.8701% | 5,420 |
| Net charge-offs to loans | 0.2063% | 4,378 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 5.0600% | 2,762 |
| Efficiency ratio | 87.9005% | 1,513 |
| Assets per employee ($millions) | 1.5246% | 7,716 |
| Cash dividends to net income (ytd only)* | 91.6667% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 6,918 |
| Loan loss allowance to noncurrent loans | 77.2901% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.2915% | 4,565 |
| Noncurrent loans to loans | 1.0953% | 5,129 |
| Net loans and leases to total assets | 74.0786% | 1,894 |
| Net loans and leases to deposits | 85.2302% | 2,651 |
| Net loans and leases to core deposits | 95.7412% | 2,471 |
| Total domestic deposits to total assets | 86.9159% | 2,574 |
| Equity capital to assets | 8.0397% | 6,713 |
| Core capital (leverage) ratio | 7.8286% | 6,466 |
| Tier 1 risk-based capital ratio | 10.6330% | 6,581 |
| Total risk-based capital ratio | 11.4782% | 6,866 |
| Memoranda: | ||
| Average total assets | $64,877,330 | 6,146 |
| Average earning assets | $56,232,670 | 6,234 |
| Average equity | $5,057,000 | 6,762 |
| Average total loans | $48,480,330 | 5,666 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8572% | 211 |
| Cost of funding earning assets | 1.2733% | 4,975 |
| Net interest margin | 5.5840% | 160 |
| Noninterest income to average assets | 1.4089% | 609 |
| Noninterest expense to average assets | 5.4946% | 275 |
| Loan and lease loss provision to assets | 0.3308% | 3,411 |
| Net operating income to assets | 0.3920% | 4,870 |
| Return on assets (ROA) | 0.3920% | 5,015 |
| Pretax return on assets | 0.3920% | 5,321 |
| Return on Equity (ROE) | 5.1083% | 4,309 |
| Retained earnings to average equity (ytd only) | -14.2073% | 7,181 |
| Net charge-offs to loans | 0.1229% | 4,234 |
| Credit loss provision to net charge-offs | 360.0000% | 1,126 |
| Earnings coverage of net charge-offs (x) | 7.8667% | 2,026 |
| Efficiency ratio | 88.3744% | 1,551 |
| Assets per employee ($millions) | 1.4966% | 7,823 |
| Cash dividends to net income (ytd only)* | 378.1250% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 7,093 |
| Loan loss allowance to noncurrent loans | 79.5960% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 5,459 |
| Noncurrent loans to loans | 1.0194% | 5,291 |
| Net loans and leases to total assets | 74.8423% | 1,779 |
| Net loans and leases to deposits | 85.7774% | 2,630 |
| Net loans and leases to core deposits | 97.3403% | 2,418 |
| Total domestic deposits to total assets | 87.2518% | 2,501 |
| Equity capital to assets | 7.6841% | 6,940 |
| Core capital (leverage) ratio | 7.4444% | 6,901 |
| Tier 1 risk-based capital ratio | 10.4701% | 6,656 |
| Total risk-based capital ratio | 11.3129% | 6,984 |
| Memoranda: | ||
| Average total assets | $65,300,000 | 6,199 |
| Average earning assets | $56,232,500 | 6,315 |
| Average equity | $5,011,500 | 6,840 |
| Average total loans | $48,801,000 | 5,721 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2624% | 182 |
| Cost of funding earning assets | 1.5564% | 5,250 |
| Net interest margin | 5.7060% | 147 |
| Noninterest income to average assets | 1.6470% | 530 |
| Noninterest expense to average assets | 5.7863% | 342 |
| Loan and lease loss provision to assets | 0.1510% | 6,156 |
| Net operating income to assets | 0.5666% | 3,459 |
| Return on assets (ROA) | 0.6227% | 3,304 |
| Pretax return on assets | 0.6227% | 3,837 |
| Return on Equity (ROE) | 7.8398% | 2,441 |
| Retained earnings to average equity (ytd only) | 0.0392% | 4,886 |
| Net charge-offs to loans | 0.2621% | 4,985 |
| Credit loss provision to net charge-offs | 77.6000% | 6,347 |
| Earnings coverage of net charge-offs (x) | 3.6880% | 3,243 |
| Efficiency ratio | 88.9660% | 1,802 |
| Assets per employee ($millions) | 1.5056% | 7,898 |
| Cash dividends to net income (ytd only)* | 99.5000% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 7,326 |
| Loan loss allowance to noncurrent loans | 53.5445% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.1729% | 4,753 |
| Noncurrent loans to loans | 1.3518% | 4,668 |
| Net loans and leases to total assets | 73.4973% | 2,382 |
| Net loans and leases to deposits | 84.0378% | 3,264 |
| Net loans and leases to core deposits | 103.6730% | 3,605 |
| Total domestic deposits to total assets | 87.4574% | 2,241 |
| Equity capital to assets | 7.6654% | 6,888 |
| Core capital (leverage) ratio | 7.9036% | 6,320 |
| Tier 1 risk-based capital ratio | 10.4366% | 6,460 |
| Total risk-based capital ratio | 11.1669% | 6,918 |
| Memoranda: | ||
| Average total assets | $64,238,000 | 6,188 |
| Average earning assets | $54,679,000 | 6,345 |
| Average equity | $5,102,200 | 6,905 |
| Average total loans | $47,696,200 | 5,774 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2840% | 198 |
| Cost of funding earning assets | 1.5920% | 5,437 |
| Net interest margin | 5.6920% | 144 |
| Noninterest income to average assets | 1.6714% | 524 |
| Noninterest expense to average assets | 5.7841% | 331 |
| Loan and lease loss provision to assets | 0.0941% | 6,424 |
| Net operating income to assets | 0.6548% | 3,380 |
| Return on assets (ROA) | 0.7280% | 3,170 |
| Pretax return on assets | 0.7280% | 3,765 |
| Return on Equity (ROE) | 9.0831% | 2,232 |
| Retained earnings to average equity (ytd only) | 0.9136% | 4,799 |
| Net charge-offs to loans | 0.1886% | 4,888 |
| Credit loss provision to net charge-offs | 67.1642% | 6,037 |
| Earnings coverage of net charge-offs (x) | 5.3433% | 2,853 |
| Efficiency ratio | 88.5367% | 1,816 |
| Assets per employee ($millions) | 1.4178% | 8,003 |
| Cash dividends to net income (ytd only)* | 89.9416% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 7,254 |
| Loan loss allowance to noncurrent loans | 101.1204% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 5,544 |
| Noncurrent loans to loans | 0.7445% | 5,821 |
| Net loans and leases to total assets | 74.5921% | 2,344 |
| Net loans and leases to deposits | 85.8945% | 3,337 |
| Net loans and leases to core deposits | 106.3631% | 3,662 |
| Total domestic deposits to total assets | 86.8415% | 2,262 |
| Equity capital to assets | 8.0252% | 6,829 |
| Core capital (leverage) ratio | 7.9876% | 6,382 |
| Tier 1 risk-based capital ratio | 10.7851% | 6,177 |
| Total risk-based capital ratio | 11.5476% | 6,632 |
| Memoranda: | ||
| Average total assets | $63,736,000 | 6,254 |
| Average earning assets | $54,437,500 | 6,404 |
| Average equity | $5,108,250 | 6,965 |
| Average total loans | $47,359,250 | 5,832 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2887% | 212 |
| Cost of funding earning assets | 1.6295% | 5,616 |
| Net interest margin | 5.6591% | 148 |
| Noninterest income to average assets | 1.5946% | 591 |
| Noninterest expense to average assets | 5.8102% | 339 |
| Loan and lease loss provision to assets | 0.0942% | 6,227 |
| Net operating income to assets | 0.5085% | 4,051 |
| Return on assets (ROA) | 0.5085% | 4,173 |
| Pretax return on assets | 0.5085% | 4,595 |
| Return on Equity (ROE) | 6.3476% | 3,500 |
| Retained earnings to average equity (ytd only) | -0.5094% | 5,351 |
| Net charge-offs to loans | 0.1569% | 4,624 |
| Credit loss provision to net charge-offs | 81.0811% | 5,163 |
| Earnings coverage of net charge-offs (x) | 5.1892% | 2,892 |
| Efficiency ratio | 90.6021% | 1,760 |
| Assets per employee ($millions) | 1.4150% | 8,089 |
| Cash dividends to net income (ytd only)* | 108.0247% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 7,180 |
| Loan loss allowance to noncurrent loans | 149.8008% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 5,701 |
| Noncurrent loans to loans | 0.5291% | 6,213 |
| Net loans and leases to total assets | 73.9093% | 2,728 |
| Net loans and leases to deposits | 83.4992% | 3,967 |
| Net loans and leases to core deposits | 102.5004% | 4,229 |
| Total domestic deposits to total assets | 88.5149% | 1,523 |
| Equity capital to assets | 8.0033% | 6,749 |
| Core capital (leverage) ratio | 7.8897% | 6,507 |
| Tier 1 risk-based capital ratio | 10.8014% | 6,079 |
| Total risk-based capital ratio | 11.6045% | 6,465 |
| Memoranda: | ||
| Average total assets | $63,715,000 | 6,308 |
| Average earning assets | $54,248,670 | 6,457 |
| Average equity | $5,104,330 | 7,022 |
| Average total loans | $47,162,330 | 5,881 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3459% | 210 |
| Cost of funding earning assets | 1.7108% | 5,556 |
| Net interest margin | 5.6351% | 151 |
| Noninterest income to average assets | 1.5878% | 546 |
| Noninterest expense to average assets | 5.9559% | 292 |
| Loan and lease loss provision to assets | 0.0941% | 5,754 |
| Net operating income to assets | 0.2510% | 5,481 |
| Return on assets (ROA) | 0.2510% | 5,645 |
| Pretax return on assets | 0.2510% | 5,819 |
| Return on Equity (ROE) | 3.1320% | 5,315 |
| Retained earnings to average equity (ytd only) | -0.7830% | 5,835 |
| Net charge-offs to loans | 0.0851% | 4,315 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,666 |
| Efficiency ratio | 94.5219% | 1,403 |
| Assets per employee ($millions) | 1.3410% | 8,139 |
| Cash dividends to net income (ytd only)* | 125.0000% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 7,052 |
| Loan loss allowance to noncurrent loans | 215.5556% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 5,760 |
| Noncurrent loans to loans | 0.3844% | 6,456 |
| Net loans and leases to total assets | 73.6728% | 2,843 |
| Net loans and leases to deposits | 83.3327% | 4,086 |
| Net loans and leases to core deposits | 103.2762% | 4,218 |
| Total domestic deposits to total assets | 88.4080% | 1,520 |
| Equity capital to assets | 8.0744% | 6,704 |
| Core capital (leverage) ratio | 7.8289% | 6,712 |
| Tier 1 risk-based capital ratio | 10.5813% | 6,307 |
| Total risk-based capital ratio | 11.3927% | 6,678 |
| Memoranda: | ||
| Average total assets | $63,735,500 | 6,332 |
| Average earning assets | $53,309,000 | 6,531 |
| Average equity | $5,108,500 | 7,073 |
| Average total loans | $47,025,000 | 5,913 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6967% | 279 |
| Cost of funding earning assets | 2.0979% | 6,061 |
| Net interest margin | 5.5988% | 176 |
| Noninterest income to average assets | 1.7748% | 432 |
| Noninterest expense to average assets | 6.0392% | 397 |
| Loan and lease loss provision to assets | 0.1028% | 6,065 |
| Net operating income to assets | 0.4492% | 4,955 |
| Return on assets (ROA) | 0.4793% | 4,649 |
| Pretax return on assets | 0.4793% | 5,038 |
| Return on Equity (ROE) | 5.8260% | 4,016 |
| Retained earnings to average equity (ytd only) | -4.2686% | 6,374 |
| Net charge-offs to loans | 0.1731% | 4,469 |
| Credit loss provision to net charge-offs | 83.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | 4.4744% | 3,967 |
| Efficiency ratio | 91.6247% | 1,402 |
| Assets per employee ($millions) | 1.3712% | 8,191 |
| Cash dividends to net income (ytd only)* | 173.2673% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 7,060 |
| Loan loss allowance to noncurrent loans | 240.8805% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 5,608 |
| Noncurrent loans to loans | 0.3367% | 6,370 |
| Net loans and leases to total assets | 72.6914% | 3,437 |
| Net loans and leases to deposits | 82.0478% | 4,723 |
| Net loans and leases to core deposits | 107.5239% | 4,020 |
| Total domestic deposits to total assets | 88.5965% | 1,203 |
| Equity capital to assets | 7.9572% | 6,901 |
| Core capital (leverage) ratio | 8.0282% | 6,443 |
| Tier 1 risk-based capital ratio | 10.7671% | 5,940 |
| Total risk-based capital ratio | 11.5804% | 6,263 |
| Memoranda: | ||
| Average total assets | $63,220,000 | 6,265 |
| Average earning assets | $54,386,600 | 6,394 |
| Average equity | $5,200,800 | 7,083 |
| Average total loans | $45,070,600 | 5,924 |