Home > TruCommunity Bank > Performance and Condition Ratios
TruCommunity Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2552% | 2,613 |
| Cost of funding earning assets | 1.2560% | 3,667 |
| Net interest margin | 3.9993% | 1,289 |
| Noninterest income to average assets | 0.3000% | 2,864 |
| Noninterest expense to average assets | 2.5102% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.2525% | 1,591 |
| Return on assets (ROA) | 1.2525% | 1,590 |
| Pretax return on assets | 1.5966% | 1,316 |
| Return on Equity (ROE) | 13.9500% | 1,277 |
| Retained earnings to average equity (ytd only) | 4.0160% | 2,851 |
| Net charge-offs to loans | -0.0020% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 61.1232% | 2,818 |
| Assets per employee ($millions) | 5.6955% | 3,172 |
| Cash dividends to net income (ytd only)* | 71.2106% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 886 |
| Loan loss allowance to noncurrent loans | 375.9569% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 2,233 |
| Noncurrent loans to loans | 0.4152% | 2,076 |
| Net loans and leases to total assets | 62.1400% | 2,686 |
| Net loans and leases to deposits | 68.6661% | 2,938 |
| Net loans and leases to core deposits | 73.4334% | 3,103 |
| Total domestic deposits to total assets | 90.4900% | 668 |
| Equity capital to assets | 8.9757% | 2,946 |
| Core capital (leverage) ratio | 10.9505% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $313,924,000 | 2,419 |
| Average earning assets | $299,053,500 | 2,376 |
| Average equity | $28,187,500 | 2,521 |
| Average total loans | $202,766,000 | 2,400 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1799% | 2,774 |
| Cost of funding earning assets | 1.4681% | 3,411 |
| Net interest margin | 3.7118% | 1,663 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 2.3911% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.1549% | 1,610 |
| Return on assets (ROA) | 1.1369% | 1,653 |
| Pretax return on assets | 1.4489% | 1,385 |
| Return on Equity (ROE) | 12.8000% | 1,407 |
| Retained earnings to average equity (ytd only) | 2.8036% | 3,110 |
| Net charge-offs to loans | 0.0083% | 2,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 273.0000% | 408 |
| Efficiency ratio | 61.8997% | 2,962 |
| Assets per employee ($millions) | 5.5161% | 3,287 |
| Cash dividends to net income (ytd only)* | 78.1032% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 909 |
| Loan loss allowance to noncurrent loans | 1,428.1818% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,174 |
| Noncurrent loans to loans | 0.1077% | 3,095 |
| Net loans and leases to total assets | 65.0900% | 2,459 |
| Net loans and leases to deposits | 75.3467% | 2,525 |
| Net loans and leases to core deposits | 80.9091% | 2,716 |
| Total domestic deposits to total assets | 86.3800% | 2,088 |
| Equity capital to assets | 8.9825% | 2,822 |
| Core capital (leverage) ratio | 10.8215% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $315,332,000 | 2,389 |
| Average earning assets | $300,720,600 | 2,343 |
| Average equity | $27,999,800 | 2,466 |
| Average total loans | $205,055,000 | 2,330 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 2,831 |
| Cost of funding earning assets | 1.4312% | 3,471 |
| Net interest margin | 3.6827% | 1,671 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 2.2834% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.2082% | 1,500 |
| Return on assets (ROA) | 1.2082% | 1,506 |
| Pretax return on assets | 1.5418% | 1,247 |
| Return on Equity (ROE) | 13.6500% | 1,220 |
| Retained earnings to average equity (ytd only) | 5.0932% | 2,430 |
| Net charge-offs to loans | -0.0201% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 59.6943% | 3,193 |
| Assets per employee ($millions) | 5.9953% | 2,874 |
| Cash dividends to net income (ytd only)* | 62.6741% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,048 |
| Loan loss allowance to noncurrent loans | 2,098.0263% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 3,404 |
| Noncurrent loans to loans | 0.0715% | 3,335 |
| Net loans and leases to total assets | 64.6900% | 2,453 |
| Net loans and leases to deposits | 78.1877% | 2,341 |
| Net loans and leases to core deposits | 84.2560% | 2,551 |
| Total domestic deposits to total assets | 82.7300% | 2,922 |
| Equity capital to assets | 9.2193% | 2,873 |
| Core capital (leverage) ratio | 10.7923% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $316,940,250 | 2,369 |
| Average earning assets | $302,671,500 | 2,322 |
| Average equity | $28,063,000 | 2,465 |
| Average total loans | $205,269,250 | 2,322 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0343% | 2,889 |
| Cost of funding earning assets | 1.2935% | 3,638 |
| Net interest margin | 3.7408% | 1,527 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 2.2722% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2731% | 1,318 |
| Return on assets (ROA) | 1.2731% | 1,323 |
| Pretax return on assets | 1.6169% | 1,104 |
| Return on Equity (ROE) | 14.5800% | 1,057 |
| Retained earnings to average equity (ytd only) | 5.8467% | 2,061 |
| Net charge-offs to loans | -0.0207% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.4246% | 3,352 |
| Assets per employee ($millions) | 5.6925% | 3,057 |
| Cash dividends to net income (ytd only)* | 59.9101% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 1,011 |
| Loan loss allowance to noncurrent loans | 2,012.6582% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 3,324 |
| Noncurrent loans to loans | 0.0756% | 3,290 |
| Net loans and leases to total assets | 65.7800% | 2,375 |
| Net loans and leases to deposits | 75.3365% | 2,598 |
| Net loans and leases to core deposits | 81.4643% | 2,710 |
| Total domestic deposits to total assets | 87.3200% | 1,532 |
| Equity capital to assets | 8.7864% | 2,895 |
| Core capital (leverage) ratio | 10.9329% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $314,672,333 | 2,373 |
| Average earning assets | $300,578,000 | 2,320 |
| Average equity | $27,468,333 | 2,459 |
| Average total loans | $202,824,667 | 2,327 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9393% | 2,908 |
| Cost of funding earning assets | 1.2285% | 3,675 |
| Net interest margin | 3.7108% | 1,514 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 2.2646% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2299% | 1,370 |
| Return on assets (ROA) | 1.2299% | 1,378 |
| Pretax return on assets | 1.5710% | 1,139 |
| Return on Equity (ROE) | 14.1400% | 1,119 |
| Retained earnings to average equity (ytd only) | 6.8493% | 1,871 |
| Net charge-offs to loans | -0.0040% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 59.0413% | 3,351 |
| Assets per employee ($millions) | 5.7829% | 3,011 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 870 |
| Loan loss allowance to noncurrent loans | 4,001.2658% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,574 |
| Noncurrent loans to loans | 0.0397% | 3,483 |
| Net loans and leases to total assets | 62.7300% | 2,593 |
| Net loans and leases to deposits | 69.1081% | 2,961 |
| Net loans and leases to core deposits | 74.6100% | 3,072 |
| Total domestic deposits to total assets | 90.7600% | 585 |
| Equity capital to assets | 8.7884% | 2,819 |
| Core capital (leverage) ratio | 10.6886% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $315,465,000 | 2,375 |
| Average earning assets | $301,177,500 | 2,329 |
| Average equity | $27,448,000 | 2,470 |
| Average total loans | $199,672,500 | 2,350 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 2,829 |
| Cost of funding earning assets | 0.9160% | 3,483 |
| Net interest margin | 3.7140% | 1,733 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.2903% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2260% | 1,588 |
| Return on assets (ROA) | 1.2260% | 1,564 |
| Pretax return on assets | 1.5542% | 1,321 |
| Return on Equity (ROE) | 15.3000% | 1,228 |
| Retained earnings to average equity (ytd only) | 5.4911% | 2,408 |
| Net charge-offs to loans | -0.0605% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.5731% | 3,130 |
| Assets per employee ($millions) | 6.2481% | 2,591 |
| Cash dividends to net income (ytd only)* | 64.1190% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 878 |
| Loan loss allowance to noncurrent loans | 6,318.0000% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,647 |
| Noncurrent loans to loans | 0.0250% | 3,567 |
| Net loans and leases to total assets | 61.8700% | 2,687 |
| Net loans and leases to deposits | 70.3637% | 2,864 |
| Net loans and leases to core deposits | 75.5567% | 3,006 |
| Total domestic deposits to total assets | 87.9300% | 1,383 |
| Equity capital to assets | 8.6150% | 2,959 |
| Core capital (leverage) ratio | 10.5429% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $318,032,800 | 2,330 |
| Average earning assets | $303,046,000 | 2,286 |
| Average equity | $25,477,600 | 2,489 |
| Average total loans | $196,584,000 | 2,304 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5446% | 2,812 |
| Cost of funding earning assets | 0.8075% | 3,497 |
| Net interest margin | 3.7372% | 1,707 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.2767% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2604% | 1,632 |
| Return on assets (ROA) | 1.2604% | 1,625 |
| Pretax return on assets | 1.5918% | 1,377 |
| Return on Equity (ROE) | 16.0400% | 1,251 |
| Retained earnings to average equity (ytd only) | 6.4306% | 2,486 |
| Net charge-offs to loans | -0.0865% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.8529% | 3,103 |
| Assets per employee ($millions) | 6.0126% | 2,748 |
| Cash dividends to net income (ytd only)* | 59.9002% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 951 |
| Loan loss allowance to noncurrent loans | 803.8071% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 2,741 |
| Noncurrent loans to loans | 0.1947% | 2,581 |
| Net loans and leases to total assets | 62.5100% | 2,599 |
| Net loans and leases to deposits | 73.6311% | 2,601 |
| Net loans and leases to core deposits | 78.7769% | 2,691 |
| Total domestic deposits to total assets | 84.9000% | 2,528 |
| Equity capital to assets | 7.3844% | 3,423 |
| Core capital (leverage) ratio | 10.3313% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $317,877,750 | 2,333 |
| Average earning assets | $303,003,250 | 2,287 |
| Average equity | $24,984,000 | 2,501 |
| Average total loans | $195,653,500 | 2,318 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3932% | 2,899 |
| Cost of funding earning assets | 0.5981% | 3,757 |
| Net interest margin | 3.7951% | 1,639 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.2612% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3192% | 1,515 |
| Return on assets (ROA) | 1.3192% | 1,500 |
| Pretax return on assets | 1.6693% | 1,276 |
| Return on Equity (ROE) | 16.4500% | 1,192 |
| Retained earnings to average equity (ytd only) | 7.0284% | 2,271 |
| Net charge-offs to loans | -0.1210% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.5296% | 3,253 |
| Assets per employee ($millions) | 6.0128% | 2,697 |
| Cash dividends to net income (ytd only)* | 57.2792% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 953 |
| Loan loss allowance to noncurrent loans | 755.2632% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 2,613 |
| Noncurrent loans to loans | 0.2106% | 2,418 |
| Net loans and leases to total assets | 62.4700% | 2,530 |
| Net loans and leases to deposits | 71.7149% | 2,669 |
| Net loans and leases to core deposits | 75.6021% | 2,781 |
| Total domestic deposits to total assets | 87.1100% | 1,896 |
| Equity capital to assets | 8.1944% | 3,089 |
| Core capital (leverage) ratio | 10.4538% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $317,613,667 | 2,344 |
| Average earning assets | $302,968,667 | 2,294 |
| Average equity | $25,468,000 | 2,495 |
| Average total loans | $193,415,667 | 2,332 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 2,763 |
| Cost of funding earning assets | 0.5173% | 3,634 |
| Net interest margin | 3.7981% | 1,693 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.1844% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3884% | 1,438 |
| Return on assets (ROA) | 1.3884% | 1,409 |
| Pretax return on assets | 1.7533% | 1,166 |
| Return on Equity (ROE) | 17.5000% | 1,101 |
| Retained earnings to average equity (ytd only) | 9.6253% | 1,785 |
| Net charge-offs to loans | -0.2473% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.4745% | 3,459 |
| Assets per employee ($millions) | 6.3454% | 2,457 |
| Cash dividends to net income (ytd only)* | 45.0045% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 833 |
| Loan loss allowance to noncurrent loans | 10,889.6552% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 3,785 |
| Noncurrent loans to loans | 0.0155% | 3,692 |
| Net loans and leases to total assets | 56.8300% | 2,976 |
| Net loans and leases to deposits | 62.0822% | 3,220 |
| Net loans and leases to core deposits | 64.4592% | 3,320 |
| Total domestic deposits to total assets | 91.5400% | 637 |
| Equity capital to assets | 8.1653% | 3,130 |
| Core capital (leverage) ratio | 10.0751% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $320,089,000 | 2,360 |
| Average earning assets | $304,678,000 | 2,320 |
| Average equity | $25,391,500 | 2,525 |
| Average total loans | $190,880,000 | 2,367 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 2,558 |
| Cost of funding earning assets | 0.3670% | 2,353 |
| Net interest margin | 3.3210% | 2,512 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.2736% | 2,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9540% | 2,750 |
| Return on assets (ROA) | 0.9540% | 2,700 |
| Pretax return on assets | 1.2082% | 2,408 |
| Return on Equity (ROE) | 11.6300% | 2,264 |
| Retained earnings to average equity (ytd only) | 5.0529% | 3,028 |
| Net charge-offs to loans | -0.0415% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2103% | 2,338 |
| Assets per employee ($millions) | 6.2071% | 2,585 |
| Cash dividends to net income (ytd only)* | 56.5536% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 1,041 |
| Loan loss allowance to noncurrent loans | 10,143.3333% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,800 |
| Noncurrent loans to loans | 0.0154% | 3,730 |
| Net loans and leases to total assets | 60.5400% | 2,592 |
| Net loans and leases to deposits | 67.1938% | 2,795 |
| Net loans and leases to core deposits | 69.5481% | 2,911 |
| Total domestic deposits to total assets | 90.1000% | 1,320 |
| Equity capital to assets | 7.6948% | 3,260 |
| Core capital (leverage) ratio | 10.1169% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $315,095,800 | 2,377 |
| Average earning assets | $301,356,000 | 2,325 |
| Average equity | $25,846,400 | 2,544 |
| Average total loans | $178,291,600 | 2,391 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 2,571 |
| Cost of funding earning assets | 0.3512% | 1,691 |
| Net interest margin | 3.1645% | 2,730 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.2631% | 2,737 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8375% | 3,108 |
| Return on assets (ROA) | 0.8375% | 3,077 |
| Pretax return on assets | 1.0633% | 2,837 |
| Return on Equity (ROE) | 10.0500% | 2,709 |
| Retained earnings to average equity (ytd only) | 5.4770% | 2,926 |
| Net charge-offs to loans | -0.0543% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.9039% | 2,045 |
| Assets per employee ($millions) | 5.8607% | 2,890 |
| Cash dividends to net income (ytd only)* | 45.5235% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 1,101 |
| Loan loss allowance to noncurrent loans | 7,597.5000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,840 |
| Noncurrent loans to loans | 0.0208% | 3,761 |
| Net loans and leases to total assets | 60.8600% | 2,417 |
| Net loans and leases to deposits | 65.7556% | 2,740 |
| Net loans and leases to core deposits | 68.0386% | 2,799 |
| Total domestic deposits to total assets | 92.5600% | 696 |
| Equity capital to assets | 6.9713% | 3,535 |
| Core capital (leverage) ratio | 9.9891% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $314,729,000 | 2,394 |
| Average earning assets | $301,802,750 | 2,349 |
| Average equity | $26,218,250 | 2,557 |
| Average total loans | $174,191,750 | 2,427 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2517% | 2,893 |
| Cost of funding earning assets | 0.3511% | 1,248 |
| Net interest margin | 2.9006% | 3,174 |
| Noninterest income to average assets | 0.2910% | 3,426 |
| Noninterest expense to average assets | 2.2404% | 2,732 |
| Loan and lease loss provision to assets | 0.0095% | 2,421 |
| Net operating income to assets | 0.6460% | 3,488 |
| Return on assets (ROA) | 0.6460% | 3,439 |
| Pretax return on assets | 0.8276% | 3,258 |
| Return on Equity (ROE) | 7.3613% | 3,199 |
| Retained earnings to average equity (ytd only) | 4.4773% | 2,892 |
| Net charge-offs to loans | -0.0166% | 3,798 |
| Credit loss provision to net charge-offs | -107.1429% | 3,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8002% | 1,652 |
| Assets per employee ($millions) | 6.1034% | 2,652 |
| Cash dividends to net income (ytd only)* | 39.1773% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 1,098 |
| Loan loss allowance to noncurrent loans | 336.6817% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 1,879 |
| Noncurrent loans to loans | 0.4824% | 1,667 |
| Net loans and leases to total assets | 58.0413% | 2,533 |
| Net loans and leases to deposits | 63.7541% | 2,745 |
| Net loans and leases to core deposits | 66.1331% | 2,806 |
| Total domestic deposits to total assets | 91.0394% | 1,218 |
| Equity capital to assets | 7.9114% | 3,192 |
| Core capital (leverage) ratio | 9.8271% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,100,333 | 2,401 |
| Average earning assets | $303,659,000 | 2,357 |
| Average equity | $27,739,667 | 2,535 |
| Average total loans | $168,225,333 | 2,481 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9696% | 3,344 |
| Cost of funding earning assets | 0.3643% | 1,098 |
| Net interest margin | 2.6052% | 3,647 |
| Noninterest income to average assets | 0.2687% | 3,520 |
| Noninterest expense to average assets | 2.2982% | 2,508 |
| Loan and lease loss provision to assets | 0.0188% | 2,019 |
| Net operating income to assets | 0.3968% | 3,958 |
| Return on assets (ROA) | 0.3968% | 3,926 |
| Pretax return on assets | 0.4571% | 3,939 |
| Return on Equity (ROE) | 4.3145% | 3,800 |
| Retained earnings to average equity (ytd only) | 1.5838% | 3,659 |
| Net charge-offs to loans | -0.0150% | 3,767 |
| Credit loss provision to net charge-offs | -250.0000% | 3,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8429% | 926 |
| Assets per employee ($millions) | 6.0946% | 2,721 |
| Cash dividends to net income (ytd only)* | 63.2911% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8549% | 802 |
| Loan loss allowance to noncurrent loans | 282.7947% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 1,811 |
| Noncurrent loans to loans | 0.6559% | 1,444 |
| Net loans and leases to total assets | 48.7318% | 3,307 |
| Net loans and leases to deposits | 53.3400% | 3,467 |
| Net loans and leases to core deposits | 55.4182% | 3,498 |
| Total domestic deposits to total assets | 91.3608% | 866 |
| Equity capital to assets | 8.4516% | 3,205 |
| Core capital (leverage) ratio | 9.5182% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,514,000 | 2,403 |
| Average earning assets | $306,306,000 | 2,359 |
| Average equity | $29,296,500 | 2,525 |
| Average total loans | $160,513,000 | 2,546 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5817% | 2,439 |
| Cost of funding earning assets | 0.4555% | 1,157 |
| Net interest margin | 3.1262% | 2,817 |
| Noninterest income to average assets | 0.4096% | 2,998 |
| Noninterest expense to average assets | 2.5429% | 2,050 |
| Loan and lease loss provision to assets | 0.0705% | 1,674 |
| Net operating income to assets | 0.6417% | 3,770 |
| Return on assets (ROA) | 0.6417% | 3,824 |
| Pretax return on assets | 0.8051% | 3,715 |
| Return on Equity (ROE) | 5.8445% | 3,808 |
| Retained earnings to average equity (ytd only) | 0.7386% | 4,319 |
| Net charge-offs to loans | 0.0224% | 1,810 |
| Credit loss provision to net charge-offs | 600.0000% | 725 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 1,039 |
| Efficiency ratio | 74.3854% | 1,263 |
| Assets per employee ($millions) | 5.4475% | 3,311 |
| Cash dividends to net income (ytd only)* | 87.3626% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7964% | 870 |
| Loan loss allowance to noncurrent loans | 625.3968% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 2,951 |
| Noncurrent loans to loans | 0.2872% | 2,566 |
| Net loans and leases to total assets | 47.9273% | 3,500 |
| Net loans and leases to deposits | 53.4360% | 3,634 |
| Net loans and leases to core deposits | 55.9094% | 3,626 |
| Total domestic deposits to total assets | 89.6910% | 1,115 |
| Equity capital to assets | 10.1810% | 2,488 |
| Core capital (leverage) ratio | 10.2067% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,161,000 | 3,301 |
| Average earning assets | $163,779,000 | 3,239 |
| Average equity | $18,684,200 | 3,330 |
| Average total loans | $89,132,800 | 3,349 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7630% | 2,112 |
| Cost of funding earning assets | 0.4797% | 1,160 |
| Net interest margin | 3.2834% | 2,467 |
| Noninterest income to average assets | 0.3823% | 3,196 |
| Noninterest expense to average assets | 2.3994% | 2,444 |
| Loan and lease loss provision to assets | 0.0715% | 1,601 |
| Net operating income to assets | 0.8361% | 3,429 |
| Return on assets (ROA) | 0.8361% | 3,489 |
| Pretax return on assets | 1.0666% | 3,281 |
| Return on Equity (ROE) | 7.4689% | 3,543 |
| Retained earnings to average equity (ytd only) | 2.6979% | 4,002 |
| Net charge-offs to loans | 0.0775% | 891 |
| Credit loss provision to net charge-offs | 173.0769% | 1,277 |
| Earnings coverage of net charge-offs (x) | 27.5385% | 1,571 |
| Efficiency ratio | 67.8275% | 1,859 |
| Assets per employee ($millions) | 5.1975% | 3,506 |
| Cash dividends to net income (ytd only)* | 63.8783% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 1,259 |
| Loan loss allowance to noncurrent loans | 287.4763% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 2,232 |
| Noncurrent loans to loans | 0.5671% | 1,892 |
| Net loans and leases to total assets | 53.2999% | 3,049 |
| Net loans and leases to deposits | 60.0485% | 3,223 |
| Net loans and leases to core deposits | 63.2115% | 3,202 |
| Total domestic deposits to total assets | 88.7615% | 1,426 |
| Equity capital to assets | 10.9633% | 2,049 |
| Core capital (leverage) ratio | 10.7628% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,759,750 | 3,357 |
| Average earning assets | $161,213,250 | 3,293 |
| Average equity | $18,779,750 | 3,364 |
| Average total loans | $89,482,750 | 3,385 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 1,629 |
| Cost of funding earning assets | 0.5067% | 1,158 |
| Net interest margin | 3.4683% | 1,950 |
| Noninterest income to average assets | 0.3880% | 3,170 |
| Noninterest expense to average assets | 2.4395% | 2,342 |
| Loan and lease loss provision to assets | 0.0721% | 1,623 |
| Net operating income to assets | 0.9369% | 3,109 |
| Return on assets (ROA) | 0.9369% | 3,186 |
| Pretax return on assets | 1.2060% | 2,889 |
| Return on Equity (ROE) | 8.3104% | 3,310 |
| Retained earnings to average equity (ytd only) | 3.5799% | 3,658 |
| Net charge-offs to loans | 0.1019% | 730 |
| Credit loss provision to net charge-offs | 133.3333% | 1,213 |
| Earnings coverage of net charge-offs (x) | 23.6444% | 1,460 |
| Efficiency ratio | 65.6220% | 2,208 |
| Assets per employee ($millions) | 5.2129% | 3,443 |
| Cash dividends to net income (ytd only)* | 56.9231% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 1,084 |
| Loan loss allowance to noncurrent loans | 279.9250% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 2,370 |
| Noncurrent loans to loans | 0.6038% | 1,896 |
| Net loans and leases to total assets | 50.4499% | 3,510 |
| Net loans and leases to deposits | 56.7970% | 3,653 |
| Net loans and leases to core deposits | 59.6626% | 3,641 |
| Total domestic deposits to total assets | 88.8249% | 1,371 |
| Equity capital to assets | 10.9263% | 2,042 |
| Core capital (leverage) ratio | 10.5029% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,507,000 | 3,373 |
| Average earning assets | $159,848,333 | 3,314 |
| Average equity | $18,771,667 | 3,356 |
| Average total loans | $88,332,333 | 3,423 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 1,268 |
| Cost of funding earning assets | 0.5451% | 1,133 |
| Net interest margin | 3.6169% | 1,536 |
| Noninterest income to average assets | 0.4324% | 2,913 |
| Noninterest expense to average assets | 2.4574% | 2,306 |
| Loan and lease loss provision to assets | 0.0733% | 1,713 |
| Net operating income to assets | 1.0773% | 2,547 |
| Return on assets (ROA) | 1.0773% | 2,633 |
| Pretax return on assets | 1.3704% | 2,369 |
| Return on Equity (ROE) | 9.4032% | 2,892 |
| Retained earnings to average equity (ytd only) | 5.0534% | 3,207 |
| Net charge-offs to loans | 0.2218% | 377 |
| Credit loss provision to net charge-offs | 61.2245% | 1,271 |
| Earnings coverage of net charge-offs (x) | 12.0612% | 1,430 |
| Efficiency ratio | 62.9931% | 2,608 |
| Assets per employee ($millions) | 5.1269% | 3,505 |
| Cash dividends to net income (ytd only)* | 46.2585% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 1,124 |
| Loan loss allowance to noncurrent loans | 204.4881% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 2,135 |
| Noncurrent loans to loans | 0.8152% | 1,633 |
| Net loans and leases to total assets | 50.8355% | 3,554 |
| Net loans and leases to deposits | 57.3239% | 3,693 |
| Net loans and leases to core deposits | 59.9912% | 3,701 |
| Total domestic deposits to total assets | 88.6812% | 1,519 |
| Equity capital to assets | 11.0883% | 1,797 |
| Core capital (leverage) ratio | 10.9831% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,747,500 | 3,395 |
| Average earning assets | $157,039,000 | 3,340 |
| Average equity | $18,759,500 | 3,351 |
| Average total loans | $88,359,000 | 3,435 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1893% | 2,165 |
| Cost of funding earning assets | 0.6648% | 1,898 |
| Net interest margin | 3.5244% | 2,397 |
| Noninterest income to average assets | 0.3350% | 3,455 |
| Noninterest expense to average assets | 2.6161% | 2,497 |
| Loan and lease loss provision to assets | 0.1695% | 2,266 |
| Net operating income to assets | 0.7482% | 3,266 |
| Return on assets (ROA) | 0.7482% | 3,393 |
| Pretax return on assets | 0.9216% | 3,310 |
| Return on Equity (ROE) | 6.2050% | 3,515 |
| Retained earnings to average equity (ytd only) | 1.1459% | 4,171 |
| Net charge-offs to loans | 0.1342% | 1,204 |
| Credit loss provision to net charge-offs | 206.3492% | 2,133 |
| Earnings coverage of net charge-offs (x) | 13.2857% | 2,288 |
| Efficiency ratio | 70.5696% | 1,874 |
| Assets per employee ($millions) | 4.9471% | 3,444 |
| Cash dividends to net income (ytd only)* | 81.5331% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 1,154 |
| Loan loss allowance to noncurrent loans | 630.7692% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 3,544 |
| Noncurrent loans to loans | 0.2622% | 3,253 |
| Net loans and leases to total assets | 55.4470% | 3,350 |
| Net loans and leases to deposits | 63.2085% | 3,500 |
| Net loans and leases to core deposits | 66.6492% | 3,490 |
| Total domestic deposits to total assets | 87.7208% | 1,602 |
| Equity capital to assets | 11.8497% | 1,648 |
| Core capital (leverage) ratio | 11.3043% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,433,200 | 3,363 |
| Average earning assets | $146,804,200 | 3,307 |
| Average equity | $18,501,200 | 3,324 |
| Average total loans | $93,876,600 | 3,343 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 1,874 |
| Cost of funding earning assets | 0.6842% | 2,125 |
| Net interest margin | 3.7067% | 1,919 |
| Noninterest income to average assets | 0.3329% | 3,486 |
| Noninterest expense to average assets | 2.4771% | 2,914 |
| Loan and lease loss provision to assets | 0.2017% | 1,982 |
| Net operating income to assets | 0.9688% | 2,457 |
| Return on assets (ROA) | 0.9688% | 2,588 |
| Pretax return on assets | 1.2088% | 2,359 |
| Return on Equity (ROE) | 7.9983% | 2,808 |
| Retained earnings to average equity (ytd only) | 3.6159% | 3,246 |
| Net charge-offs to loans | 0.0954% | 1,353 |
| Credit loss provision to net charge-offs | 338.2353% | 1,641 |
| Earnings coverage of net charge-offs (x) | 23.6765% | 1,787 |
| Efficiency ratio | 63.7224% | 2,783 |
| Assets per employee ($millions) | 4.8381% | 3,440 |
| Cash dividends to net income (ytd only)* | 54.7920% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 1,376 |
| Loan loss allowance to noncurrent loans | 238.3518% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 2,540 |
| Noncurrent loans to loans | 0.6304% | 2,220 |
| Net loans and leases to total assets | 63.6836% | 2,804 |
| Net loans and leases to deposits | 73.8772% | 2,967 |
| Net loans and leases to core deposits | 78.0771% | 3,001 |
| Total domestic deposits to total assets | 86.2020% | 1,983 |
| Equity capital to assets | 12.3014% | 1,514 |
| Core capital (leverage) ratio | 11.7999% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,214,500 | 3,359 |
| Average earning assets | $145,967,250 | 3,294 |
| Average equity | $18,436,750 | 3,325 |
| Average total loans | $95,032,500 | 3,326 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 2,570 |
| Cost of funding earning assets | 0.7016% | 2,372 |
| Net interest margin | 3.5606% | 2,609 |
| Noninterest income to average assets | 0.3396% | 3,440 |
| Noninterest expense to average assets | 2.4910% | 2,986 |
| Loan and lease loss provision to assets | 0.2379% | 1,771 |
| Net operating income to assets | 0.8391% | 2,901 |
| Return on assets (ROA) | 0.8391% | 3,019 |
| Pretax return on assets | 1.0241% | 2,952 |
| Return on Equity (ROE) | 6.9650% | 3,146 |
| Retained earnings to average equity (ytd only) | 3.0163% | 3,383 |
| Net charge-offs to loans | 0.1564% | 944 |
| Credit loss provision to net charge-offs | 246.5753% | 1,760 |
| Earnings coverage of net charge-offs (x) | 13.0822% | 2,015 |
| Efficiency ratio | 66.3732% | 2,462 |
| Assets per employee ($millions) | 4.8592% | 3,350 |
| Cash dividends to net income (ytd only)* | 56.6929% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 1,352 |
| Loan loss allowance to noncurrent loans | 426.1765% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 3,457 |
| Noncurrent loans to loans | 0.3451% | 3,162 |
| Net loans and leases to total assets | 62.4316% | 3,080 |
| Net loans and leases to deposits | 72.0912% | 3,251 |
| Net loans and leases to core deposits | 76.1318% | 3,272 |
| Total domestic deposits to total assets | 86.6009% | 1,772 |
| Equity capital to assets | 11.9850% | 1,671 |
| Core capital (leverage) ratio | 11.7560% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,346,000 | 3,348 |
| Average earning assets | $145,089,000 | 3,277 |
| Average equity | $18,234,000 | 3,336 |
| Average total loans | $93,343,667 | 3,349 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 2,512 |
| Cost of funding earning assets | 0.7693% | 2,547 |
| Net interest margin | 3.6585% | 2,481 |
| Noninterest income to average assets | 0.3296% | 3,553 |
| Noninterest expense to average assets | 2.4867% | 3,312 |
| Loan and lease loss provision to assets | 0.2412% | 1,290 |
| Net operating income to assets | 0.9138% | 2,475 |
| Return on assets (ROA) | 0.9138% | 2,585 |
| Pretax return on assets | 1.0933% | 2,547 |
| Return on Equity (ROE) | 7.5639% | 2,703 |
| Retained earnings to average equity (ytd only) | 3.5712% | 2,861 |
| Net charge-offs to loans | 0.6259% | 236 |
| Credit loss provision to net charge-offs | 63.3803% | 2,007 |
| Earnings coverage of net charge-offs (x) | 3.5070% | 2,210 |
| Efficiency ratio | 65.0771% | 3,078 |
| Assets per employee ($millions) | 4.7448% | 2,937 |
| Cash dividends to net income (ytd only)* | 52.7859% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,490 |
| Loan loss allowance to noncurrent loans | 43.7035% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.9456% | 442 |
| Noncurrent loans to loans | 3.3396% | 294 |
| Net loans and leases to total assets | 57.4072% | 3,715 |
| Net loans and leases to deposits | 66.3023% | 3,846 |
| Net loans and leases to core deposits | 69.9453% | 3,882 |
| Total domestic deposits to total assets | 86.5839% | 1,741 |
| Equity capital to assets | 11.9454% | 2,109 |
| Core capital (leverage) ratio | 11.9202% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,271,500 | 3,331 |
| Average earning assets | $142,462,500 | 3,272 |
| Average equity | $18,033,000 | 3,365 |
| Average total loans | $90,752,000 | 3,381 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 1,716 |
| Cost of funding earning assets | 0.7978% | 2,693 |
| Net interest margin | 4.1159% | 1,497 |
| Noninterest income to average assets | 0.3988% | 3,296 |
| Noninterest expense to average assets | 2.6583% | 3,001 |
| Loan and lease loss provision to assets | 0.2839% | 609 |
| Net operating income to assets | 1.0778% | 2,533 |
| Return on assets (ROA) | 1.0816% | 2,614 |
| Pretax return on assets | 1.3877% | 2,206 |
| Return on Equity (ROE) | 8.9406% | 2,781 |
| Retained earnings to average equity (ytd only) | 5.0942% | 2,372 |
| Net charge-offs to loans | 0.1079% | 1,649 |
| Credit loss provision to net charge-offs | 401.9608% | 708 |
| Earnings coverage of net charge-offs (x) | 23.5980% | 1,811 |
| Efficiency ratio | 61.4633% | 3,459 |
| Assets per employee ($millions) | 4.4458% | 3,307 |
| Cash dividends to net income (ytd only)* | 43.0218% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,383 |
| Loan loss allowance to noncurrent loans | 81.9902% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.1165% | 1,085 |
| Noncurrent loans to loans | 1.7603% | 775 |
| Net loans and leases to total assets | 62.5090% | 3,355 |
| Net loans and leases to deposits | 74.9755% | 3,263 |
| Net loans and leases to core deposits | 79.4062% | 3,351 |
| Total domestic deposits to total assets | 83.3726% | 3,078 |
| Equity capital to assets | 12.2207% | 1,999 |
| Core capital (leverage) ratio | 12.1022% | 1,716 |
| Tier 1 risk-based capital ratio | 17.1472% | 2,009 |
| Total risk-based capital ratio | 18.3978% | 1,942 |
| Memoranda: | ||
| Average total assets | $144,416,400 | 3,374 |
| Average earning assets | $137,758,800 | 3,315 |
| Average equity | $17,470,800 | 3,391 |
| Average total loans | $94,535,400 | 3,303 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 1,767 |
| Cost of funding earning assets | 0.7892% | 2,768 |
| Net interest margin | 4.1294% | 1,550 |
| Noninterest income to average assets | 0.4097% | 3,258 |
| Noninterest expense to average assets | 2.4860% | 3,480 |
| Loan and lease loss provision to assets | 0.2966% | 500 |
| Net operating income to assets | 1.2235% | 2,115 |
| Return on assets (ROA) | 1.2235% | 2,189 |
| Pretax return on assets | 1.5748% | 1,720 |
| Return on Equity (ROE) | 10.1402% | 2,376 |
| Retained earnings to average equity (ytd only) | 6.9138% | 1,906 |
| Net charge-offs to loans | 0.1475% | 1,104 |
| Credit loss provision to net charge-offs | 304.7619% | 942 |
| Earnings coverage of net charge-offs (x) | 19.2281% | 2,010 |
| Efficiency ratio | 57.0517% | 4,059 |
| Assets per employee ($millions) | 4.3332% | 3,437 |
| Cash dividends to net income (ytd only)* | 31.8183% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 1,989 |
| Loan loss allowance to noncurrent loans | 50.0200% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.7476% | 572 |
| Noncurrent loans to loans | 2.5880% | 435 |
| Net loans and leases to total assets | 66.6538% | 2,968 |
| Net loans and leases to deposits | 80.6265% | 2,838 |
| Net loans and leases to core deposits | 83.9220% | 3,097 |
| Total domestic deposits to total assets | 82.6699% | 3,259 |
| Equity capital to assets | 12.5802% | 1,853 |
| Core capital (leverage) ratio | 12.4675% | 1,590 |
| Tier 1 risk-based capital ratio | 16.7918% | 2,151 |
| Total risk-based capital ratio | 17.9797% | 2,116 |
| Memoranda: | ||
| Average total assets | $143,843,000 | 3,415 |
| Average earning assets | $137,515,750 | 3,350 |
| Average equity | $17,356,250 | 3,427 |
| Average total loans | $94,906,750 | 3,335 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8882% | 1,784 |
| Cost of funding earning assets | 0.7830% | 2,724 |
| Net interest margin | 4.1052% | 1,594 |
| Noninterest income to average assets | 0.4108% | 3,207 |
| Noninterest expense to average assets | 2.4770% | 3,553 |
| Loan and lease loss provision to assets | 0.3192% | 422 |
| Net operating income to assets | 1.1920% | 2,177 |
| Return on assets (ROA) | 1.1920% | 2,238 |
| Pretax return on assets | 1.5362% | 1,738 |
| Return on Equity (ROE) | 10.0202% | 2,374 |
| Retained earnings to average equity (ytd only) | 8.6204% | 1,160 |
| Net charge-offs to loans | 0.2374% | 708 |
| Credit loss provision to net charge-offs | 205.3571% | 1,182 |
| Earnings coverage of net charge-offs (x) | 11.9375% | 2,178 |
| Efficiency ratio | 57.1749% | 4,110 |
| Assets per employee ($millions) | 4.4179% | 3,263 |
| Cash dividends to net income (ytd only)* | 13.9697% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,558 |
| Loan loss allowance to noncurrent loans | 900.7813% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 4,319 |
| Noncurrent loans to loans | 0.1326% | 4,082 |
| Net loans and leases to total assets | 67.4749% | 2,895 |
| Net loans and leases to deposits | 81.6971% | 2,764 |
| Net loans and leases to core deposits | 84.8630% | 3,045 |
| Total domestic deposits to total assets | 82.5916% | 3,340 |
| Equity capital to assets | 12.5426% | 1,831 |
| Core capital (leverage) ratio | 12.2124% | 1,694 |
| Tier 1 risk-based capital ratio | 16.7680% | 2,154 |
| Total risk-based capital ratio | 17.8722% | 2,147 |
| Memoranda: | ||
| Average total assets | $144,126,000 | 3,432 |
| Average earning assets | $137,679,000 | 3,363 |
| Average equity | $17,145,330 | 3,450 |
| Average total loans | $94,355,330 | 3,367 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7861% | 1,943 |
| Cost of funding earning assets | 0.7736% | 2,672 |
| Net interest margin | 4.0125% | 1,815 |
| Noninterest income to average assets | 0.3986% | 3,191 |
| Noninterest expense to average assets | 2.4220% | 3,712 |
| Loan and lease loss provision to assets | 0.1649% | 1,021 |
| Net operating income to assets | 1.2646% | 1,834 |
| Return on assets (ROA) | 1.2646% | 1,882 |
| Pretax return on assets | 1.6330% | 1,387 |
| Return on Equity (ROE) | 10.9186% | 1,975 |
| Retained earnings to average equity (ytd only) | 9.4944% | 1,162 |
| Net charge-offs to loans | -0.0214% | 4,516 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3941% | 4,155 |
| Assets per employee ($millions) | 4.6224% | 3,013 |
| Cash dividends to net income (ytd only)* | 13.0435% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,749 |
| Loan loss allowance to noncurrent loans | 39.2017% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.8970% | 542 |
| Noncurrent loans to loans | 2.9813% | 370 |
| Net loans and leases to total assets | 62.8859% | 3,414 |
| Net loans and leases to deposits | 75.1893% | 3,335 |
| Net loans and leases to core deposits | 77.9334% | 3,524 |
| Total domestic deposits to total assets | 83.6368% | 3,172 |
| Equity capital to assets | 11.6058% | 2,308 |
| Core capital (leverage) ratio | 11.7745% | 1,923 |
| Tier 1 risk-based capital ratio | 15.9289% | 2,473 |
| Total risk-based capital ratio | 16.9495% | 2,488 |
| Memoranda: | ||
| Average total assets | $145,502,000 | 3,442 |
| Average earning assets | $138,566,500 | 3,386 |
| Average equity | $16,852,000 | 3,492 |
| Average total loans | $93,260,500 | 3,422 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8609% | 1,392 |
| Cost of funding earning assets | 0.7285% | 1,915 |
| Net interest margin | 4.1325% | 1,579 |
| Noninterest income to average assets | 0.4220% | 3,298 |
| Noninterest expense to average assets | 2.6896% | 3,057 |
| Loan and lease loss provision to assets | 0.1523% | 1,393 |
| Net operating income to assets | 1.1813% | 2,263 |
| Return on assets (ROA) | 1.1813% | 2,257 |
| Pretax return on assets | 1.5171% | 1,725 |
| Return on Equity (ROE) | 10.2837% | 2,402 |
| Retained earnings to average equity (ytd only) | 8.8822% | 912 |
| Net charge-offs to loans | 0.2054% | 931 |
| Credit loss provision to net charge-offs | 111.7021% | 2,317 |
| Earnings coverage of net charge-offs (x) | 12.2447% | 2,551 |
| Efficiency ratio | 61.7035% | 3,583 |
| Assets per employee ($millions) | 4.3360% | 3,405 |
| Cash dividends to net income (ytd only)* | 13.6280% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 2,980 |
| Loan loss allowance to noncurrent loans | 43.5973% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.6591% | 657 |
| Noncurrent loans to loans | 2.5692% | 463 |
| Net loans and leases to total assets | 63.8542% | 3,375 |
| Net loans and leases to deposits | 76.6026% | 3,309 |
| Net loans and leases to core deposits | 79.1550% | 3,488 |
| Total domestic deposits to total assets | 83.3577% | 3,210 |
| Equity capital to assets | 11.5573% | 2,214 |
| Core capital (leverage) ratio | 11.9676% | 1,755 |
| Tier 1 risk-based capital ratio | 16.2091% | 2,342 |
| Total risk-based capital ratio | 17.2096% | 2,359 |
| Memoranda: | ||
| Average total assets | $137,899,000 | 3,539 |
| Average earning assets | $131,374,000 | 3,479 |
| Average equity | $15,840,600 | 3,528 |
| Average total loans | $91,512,600 | 3,449 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 1,392 |
| Cost of funding earning assets | 0.7087% | 1,799 |
| Net interest margin | 4.1049% | 1,611 |
| Noninterest income to average assets | 0.4138% | 3,398 |
| Noninterest expense to average assets | 2.5514% | 3,436 |
| Loan and lease loss provision to assets | 0.1464% | 1,357 |
| Net operating income to assets | 1.2659% | 1,978 |
| Return on assets (ROA) | 1.2659% | 1,985 |
| Pretax return on assets | 1.6280% | 1,495 |
| Return on Equity (ROE) | 11.0381% | 2,161 |
| Retained earnings to average equity (ytd only) | 10.4254% | 788 |
| Net charge-offs to loans | 0.1592% | 1,039 |
| Credit loss provision to net charge-offs | 137.6147% | 1,829 |
| Earnings coverage of net charge-offs (x) | 16.6789% | 2,154 |
| Efficiency ratio | 58.9801% | 3,967 |
| Assets per employee ($millions) | 4.2751% | 3,470 |
| Cash dividends to net income (ytd only)* | 5.5514% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,263 |
| Loan loss allowance to noncurrent loans | 33.7172% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.2851% | 415 |
| Noncurrent loans to loans | 3.2255% | 322 |
| Net loans and leases to total assets | 70.0728% | 2,634 |
| Net loans and leases to deposits | 84.8027% | 2,501 |
| Net loans and leases to core deposits | 87.3027% | 2,892 |
| Total domestic deposits to total assets | 82.6304% | 3,424 |
| Equity capital to assets | 11.8237% | 2,020 |
| Core capital (leverage) ratio | 12.1284% | 1,711 |
| Tier 1 risk-based capital ratio | 15.7200% | 2,562 |
| Total risk-based capital ratio | 16.7189% | 2,598 |
| Memoranda: | ||
| Average total assets | $136,602,000 | 3,593 |
| Average earning assets | $130,182,000 | 3,528 |
| Average equity | $15,666,500 | 3,572 |
| Average total loans | $91,290,250 | 3,474 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 1,570 |
| Cost of funding earning assets | 0.6832% | 1,720 |
| Net interest margin | 3.9917% | 1,888 |
| Noninterest income to average assets | 0.4145% | 3,394 |
| Noninterest expense to average assets | 2.5532% | 3,467 |
| Loan and lease loss provision to assets | 0.1318% | 1,502 |
| Net operating income to assets | 1.2026% | 2,188 |
| Return on assets (ROA) | 1.2026% | 2,187 |
| Pretax return on assets | 1.5381% | 1,686 |
| Return on Equity (ROE) | 10.5956% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.9761% | 934 |
| Net charge-offs to loans | 0.0783% | 1,542 |
| Credit loss provision to net charge-offs | 257.1429% | 1,117 |
| Earnings coverage of net charge-offs (x) | 32.5714% | 1,433 |
| Efficiency ratio | 60.4579% | 3,873 |
| Assets per employee ($millions) | 4.2020% | 3,575 |
| Cash dividends to net income (ytd only)* | 5.8465% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 3,005 |
| Loan loss allowance to noncurrent loans | 23.6335% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 3.3608% | 197 |
| Noncurrent loans to loans | 4.8481% | 144 |
| Net loans and leases to total assets | 68.5267% | 2,790 |
| Net loans and leases to deposits | 83.0379% | 2,647 |
| Net loans and leases to core deposits | 85.5282% | 2,964 |
| Total domestic deposits to total assets | 82.5246% | 3,556 |
| Equity capital to assets | 11.7490% | 2,020 |
| Core capital (leverage) ratio | 11.7928% | 1,844 |
| Tier 1 risk-based capital ratio | 15.5962% | 2,587 |
| Total risk-based capital ratio | 16.6285% | 2,626 |
| Memoranda: | ||
| Average total assets | $136,535,330 | 3,615 |
| Average earning assets | $130,269,670 | 3,548 |
| Average equity | $15,497,000 | 3,612 |
| Average total loans | $89,415,330 | 3,533 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 1,894 |
| Cost of funding earning assets | 0.6711% | 1,594 |
| Net interest margin | 3.8221% | 2,328 |
| Noninterest income to average assets | 0.4187% | 3,327 |
| Noninterest expense to average assets | 2.5587% | 3,465 |
| Loan and lease loss provision to assets | 0.0872% | 2,058 |
| Net operating income to assets | 1.1252% | 2,310 |
| Return on assets (ROA) | 1.1252% | 2,328 |
| Pretax return on assets | 1.4160% | 1,955 |
| Return on Equity (ROE) | 10.0870% | 2,385 |
| Retained earnings to average equity (ytd only) | 9.4614% | 1,313 |
| Net charge-offs to loans | -0.0366% | 4,830 |
| Credit loss provision to net charge-offs | -375.0000% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9921% | 3,635 |
| Assets per employee ($millions) | 4.3709% | 3,363 |
| Cash dividends to net income (ytd only)* | 6.2016% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,811 |
| Loan loss allowance to noncurrent loans | 37.1378% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 2.0233% | 555 |
| Noncurrent loans to loans | 3.2281% | 345 |
| Net loans and leases to total assets | 61.9265% | 3,559 |
| Net loans and leases to deposits | 74.2866% | 3,390 |
| Net loans and leases to core deposits | 76.3924% | 3,638 |
| Total domestic deposits to total assets | 83.3616% | 3,559 |
| Equity capital to assets | 11.0339% | 2,548 |
| Core capital (leverage) ratio | 11.2782% | 2,186 |
| Tier 1 risk-based capital ratio | 15.9595% | 2,496 |
| Total risk-based capital ratio | 17.0261% | 2,516 |
| Memoranda: | ||
| Average total assets | $137,571,500 | 3,639 |
| Average earning assets | $131,130,500 | 3,575 |
| Average equity | $15,346,500 | 3,665 |
| Average total loans | $87,517,500 | 3,596 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 1,336 |
| Cost of funding earning assets | 0.6862% | 1,101 |
| Net interest margin | 3.9541% | 1,904 |
| Noninterest income to average assets | 0.5554% | 2,682 |
| Noninterest expense to average assets | 2.6721% | 3,224 |
| Loan and lease loss provision to assets | 0.0897% | 2,396 |
| Net operating income to assets | 0.9433% | 2,480 |
| Return on assets (ROA) | 0.9433% | 2,510 |
| Pretax return on assets | 1.5577% | 1,426 |
| Return on Equity (ROE) | 8.4624% | 2,572 |
| Retained earnings to average equity (ytd only) | 6.9738% | 1,083 |
| Net charge-offs to loans | 0.2611% | 999 |
| Credit loss provision to net charge-offs | 51.0638% | 3,317 |
| Earnings coverage of net charge-offs (x) | 9.3787% | 2,794 |
| Efficiency ratio | 61.8619% | 3,959 |
| Assets per employee ($millions) | 4.0992% | 3,811 |
| Cash dividends to net income (ytd only)* | 17.5911% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 3,010 |
| Loan loss allowance to noncurrent loans | 42.1556% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.7764% | 703 |
| Noncurrent loans to loans | 2.7504% | 442 |
| Net loans and leases to total assets | 63.8371% | 3,384 |
| Net loans and leases to deposits | 77.0222% | 3,228 |
| Net loans and leases to core deposits | 79.2837% | 3,472 |
| Total domestic deposits to total assets | 82.8814% | 3,603 |
| Equity capital to assets | 11.2808% | 2,381 |
| Core capital (leverage) ratio | 11.3778% | 2,035 |
| Tier 1 risk-based capital ratio | 15.8241% | 2,501 |
| Total risk-based capital ratio | 16.8675% | 2,515 |
| Memoranda: | ||
| Average total assets | $133,789,200 | 3,690 |
| Average earning assets | $127,361,000 | 3,624 |
| Average equity | $14,913,000 | 3,724 |
| Average total loans | $90,015,400 | 3,525 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 1,283 |
| Cost of funding earning assets | 0.6865% | 1,031 |
| Net interest margin | 3.9493% | 1,862 |
| Noninterest income to average assets | 0.5876% | 2,551 |
| Noninterest expense to average assets | 2.5153% | 3,684 |
| Loan and lease loss provision to assets | 0.0899% | 2,276 |
| Net operating income to assets | 1.1133% | 2,030 |
| Return on assets (ROA) | 1.1133% | 2,089 |
| Pretax return on assets | 1.7479% | 1,012 |
| Return on Equity (ROE) | 10.0180% | 2,125 |
| Retained earnings to average equity (ytd only) | 9.3705% | 740 |
| Net charge-offs to loans | -0.0412% | 5,104 |
| Credit loss provision to net charge-offs | -321.4286% | 4,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7824% | 4,534 |
| Assets per employee ($millions) | 4.1437% | 3,753 |
| Cash dividends to net income (ytd only)* | 6.4633% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 2,039 |
| Loan loss allowance to noncurrent loans | 67.0975% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4005% | 1,112 |
| Noncurrent loans to loans | 2.0373% | 832 |
| Net loans and leases to total assets | 67.8024% | 2,868 |
| Net loans and leases to deposits | 82.5186% | 2,719 |
| Net loans and leases to core deposits | 85.0140% | 3,042 |
| Total domestic deposits to total assets | 82.1663% | 3,721 |
| Equity capital to assets | 11.6300% | 2,250 |
| Core capital (leverage) ratio | 11.5262% | 1,998 |
| Tier 1 risk-based capital ratio | 15.8420% | 2,573 |
| Total risk-based capital ratio | 17.0927% | 2,507 |
| Memoranda: | ||
| Average total assets | $133,418,000 | 3,731 |
| Average earning assets | $127,209,250 | 3,661 |
| Average equity | $14,826,250 | 3,776 |
| Average total loans | $90,677,250 | 3,546 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 1,337 |
| Cost of funding earning assets | 0.6829% | 974 |
| Net interest margin | 3.8839% | 1,990 |
| Noninterest income to average assets | 0.5386% | 2,771 |
| Noninterest expense to average assets | 2.4863% | 3,789 |
| Loan and lease loss provision to assets | 0.0898% | 2,189 |
| Net operating income to assets | 1.0472% | 2,219 |
| Return on assets (ROA) | 1.0472% | 2,260 |
| Pretax return on assets | 1.6635% | 1,152 |
| Return on Equity (ROE) | 9.5707% | 2,232 |
| Retained earnings to average equity (ytd only) | 8.9144% | 867 |
| Net charge-offs to loans | -0.0420% | 5,095 |
| Credit loss provision to net charge-offs | -315.7895% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6450% | 4,512 |
| Assets per employee ($millions) | 4.1758% | 3,671 |
| Cash dividends to net income (ytd only)* | 6.8571% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,390 |
| Loan loss allowance to noncurrent loans | 71.0000% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 1,307 |
| Noncurrent loans to loans | 1.8373% | 966 |
| Net loans and leases to total assets | 68.3392% | 2,758 |
| Net loans and leases to deposits | 82.7907% | 2,618 |
| Net loans and leases to core deposits | 85.2572% | 2,951 |
| Total domestic deposits to total assets | 82.5446% | 3,707 |
| Equity capital to assets | 11.2493% | 2,546 |
| Core capital (leverage) ratio | 10.9981% | 2,405 |
| Tier 1 risk-based capital ratio | 15.1529% | 2,864 |
| Total risk-based capital ratio | 16.3742% | 2,810 |
| Memoranda: | ||
| Average total assets | $133,691,670 | 3,757 |
| Average earning assets | $127,397,330 | 3,684 |
| Average equity | $14,628,000 | 3,806 |
| Average total loans | $90,519,670 | 3,567 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 1,489 |
| Cost of funding earning assets | 0.6698% | 982 |
| Net interest margin | 3.7831% | 2,177 |
| Noninterest income to average assets | 0.5384% | 2,716 |
| Noninterest expense to average assets | 2.5425% | 3,683 |
| Loan and lease loss provision to assets | 0.0897% | 2,044 |
| Net operating income to assets | 0.9153% | 2,683 |
| Return on assets (ROA) | 0.9153% | 2,736 |
| Pretax return on assets | 1.5046% | 1,515 |
| Return on Equity (ROE) | 8.4847% | 2,683 |
| Retained earnings to average equity (ytd only) | 7.8192% | 1,539 |
| Net charge-offs to loans | -0.0402% | 5,081 |
| Credit loss provision to net charge-offs | -333.3333% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4606% | 4,231 |
| Assets per employee ($millions) | 4.2191% | 3,635 |
| Cash dividends to net income (ytd only)* | 7.8431% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,443 |
| Loan loss allowance to noncurrent loans | 61.7134% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3582% | 1,240 |
| Noncurrent loans to loans | 2.1372% | 807 |
| Net loans and leases to total assets | 62.7113% | 3,443 |
| Net loans and leases to deposits | 75.7767% | 3,224 |
| Net loans and leases to core deposits | 77.9239% | 3,475 |
| Total domestic deposits to total assets | 82.7580% | 3,926 |
| Equity capital to assets | 10.4798% | 3,205 |
| Core capital (leverage) ratio | 10.9110% | 2,465 |
| Tier 1 risk-based capital ratio | 14.6559% | 3,140 |
| Total risk-based capital ratio | 15.8270% | 3,093 |
| Memoranda: | ||
| Average total assets | $133,724,500 | 3,784 |
| Average earning assets | $127,197,000 | 3,717 |
| Average equity | $14,426,000 | 3,858 |
| Average total loans | $89,516,500 | 3,606 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 580 |
| Cost of funding earning assets | 0.7361% | 676 |
| Net interest margin | 4.2731% | 978 |
| Noninterest income to average assets | 0.6001% | 2,663 |
| Noninterest expense to average assets | 2.6272% | 3,597 |
| Loan and lease loss provision to assets | 0.0721% | 2,915 |
| Net operating income to assets | 1.2771% | 1,279 |
| Return on assets (ROA) | 1.2771% | 1,348 |
| Pretax return on assets | 1.9518% | 559 |
| Return on Equity (ROE) | 11.6059% | 1,365 |
| Retained earnings to average equity (ytd only) | 10.5574% | 351 |
| Net charge-offs to loans | 0.1236% | 2,023 |
| Credit loss provision to net charge-offs | 77.5862% | 3,011 |
| Earnings coverage of net charge-offs (x) | 21.7759% | 1,766 |
| Efficiency ratio | 56.4858% | 5,016 |
| Assets per employee ($millions) | 4.0068% | 3,952 |
| Cash dividends to net income (ytd only)* | 9.0339% | 4,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,849 |
| Loan loss allowance to noncurrent loans | 134.4458% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 2,759 |
| Noncurrent loans to loans | 0.9265% | 2,240 |
| Net loans and leases to total assets | 69.7440% | 2,527 |
| Net loans and leases to deposits | 85.5046% | 2,238 |
| Net loans and leases to core deposits | 88.1338% | 2,656 |
| Total domestic deposits to total assets | 81.5675% | 4,187 |
| Equity capital to assets | 11.1224% | 2,514 |
| Core capital (leverage) ratio | 11.3875% | 2,017 |
| Tier 1 risk-based capital ratio | 14.7617% | 3,067 |
| Total risk-based capital ratio | 15.9243% | 3,059 |
| Memoranda: | ||
| Average total assets | $124,809,400 | 3,912 |
| Average earning assets | $118,320,400 | 3,861 |
| Average equity | $13,734,400 | 3,982 |
| Average total loans | $93,820,800 | 3,498 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 531 |
| Cost of funding earning assets | 0.7453% | 650 |
| Net interest margin | 4.3182% | 897 |
| Noninterest income to average assets | 0.5271% | 3,062 |
| Noninterest expense to average assets | 2.4900% | 4,014 |
| Loan and lease loss provision to assets | 0.0731% | 2,751 |
| Net operating income to assets | 1.3262% | 1,223 |
| Return on assets (ROA) | 1.3262% | 1,306 |
| Pretax return on assets | 2.0706% | 493 |
| Return on Equity (ROE) | 12.0855% | 1,295 |
| Retained earnings to average equity (ytd only) | 11.3798% | 375 |
| Net charge-offs to loans | 0.1507% | 1,488 |
| Credit loss provision to net charge-offs | 63.5514% | 2,872 |
| Earnings coverage of net charge-offs (x) | 18.6266% | 1,983 |
| Efficiency ratio | 53.7372% | 5,259 |
| Assets per employee ($millions) | 3.9315% | 4,080 |
| Cash dividends to net income (ytd only)* | 5.8396% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 3,315 |
| Loan loss allowance to noncurrent loans | 211.3852% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 3,694 |
| Noncurrent loans to loans | 0.5620% | 3,314 |
| Net loans and leases to total assets | 76.0291% | 1,517 |
| Net loans and leases to deposits | 94.6284% | 1,187 |
| Net loans and leases to core deposits | 97.7416% | 1,838 |
| Total domestic deposits to total assets | 80.3449% | 4,430 |
| Equity capital to assets | 11.6609% | 2,389 |
| Core capital (leverage) ratio | 11.4683% | 2,057 |
| Tier 1 risk-based capital ratio | 14.3334% | 3,379 |
| Total risk-based capital ratio | 15.4712% | 3,373 |
| Memoranda: | ||
| Average total assets | $123,957,000 | 3,949 |
| Average earning assets | $117,885,000 | 3,888 |
| Average equity | $13,602,750 | 4,044 |
| Average total loans | $94,637,750 | 3,500 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 592 |
| Cost of funding earning assets | 0.7501% | 631 |
| Net interest margin | 4.2523% | 1,017 |
| Noninterest income to average assets | 0.5343% | 2,984 |
| Noninterest expense to average assets | 2.4484% | 4,189 |
| Loan and lease loss provision to assets | 0.0722% | 2,690 |
| Net operating income to assets | 1.3221% | 1,218 |
| Return on assets (ROA) | 1.3221% | 1,307 |
| Pretax return on assets | 2.0521% | 519 |
| Return on Equity (ROE) | 12.2988% | 1,211 |
| Retained earnings to average equity (ytd only) | 11.5824% | 379 |
| Net charge-offs to loans | 0.0316% | 2,833 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 88.2667% | 647 |
| Efficiency ratio | 53.5439% | 5,347 |
| Assets per employee ($millions) | 3.7997% | 4,265 |
| Cash dividends to net income (ytd only)* | 5.8252% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 2,992 |
| Loan loss allowance to noncurrent loans | 377.0701% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 4,461 |
| Noncurrent loans to loans | 0.3352% | 4,163 |
| Net loans and leases to total assets | 76.0583% | 1,485 |
| Net loans and leases to deposits | 95.4622% | 1,137 |
| Net loans and leases to core deposits | 98.2805% | 1,783 |
| Total domestic deposits to total assets | 79.6737% | 4,634 |
| Equity capital to assets | 11.3857% | 2,659 |
| Core capital (leverage) ratio | 10.6738% | 2,760 |
| Tier 1 risk-based capital ratio | 14.1231% | 3,538 |
| Total risk-based capital ratio | 15.3483% | 3,465 |
| Memoranda: | ||
| Average total assets | $124,650,330 | 3,964 |
| Average earning assets | $118,383,670 | 3,901 |
| Average equity | $13,399,670 | 4,091 |
| Average total loans | $94,925,000 | 3,504 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 618 |
| Cost of funding earning assets | 0.7403% | 666 |
| Net interest margin | 4.2277% | 1,045 |
| Noninterest income to average assets | 0.5136% | 3,023 |
| Noninterest expense to average assets | 2.4378% | 4,265 |
| Loan and lease loss provision to assets | 0.0697% | 2,554 |
| Net operating income to assets | 1.2934% | 1,275 |
| Return on assets (ROA) | 1.2934% | 1,357 |
| Pretax return on assets | 2.0067% | 558 |
| Return on Equity (ROE) | 12.3847% | 1,191 |
| Retained earnings to average equity (ytd only) | 11.6562% | 554 |
| Net charge-offs to loans | 0.0167% | 2,600 |
| Credit loss provision to net charge-offs | 550.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 163.7500% | 370 |
| Efficiency ratio | 54.0028% | 5,385 |
| Assets per employee ($millions) | 4.1585% | 3,656 |
| Cash dividends to net income (ytd only)* | 5.8824% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 3,277 |
| Loan loss allowance to noncurrent loans | 206.7019% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 3,826 |
| Noncurrent loans to loans | 0.5978% | 3,387 |
| Net loans and leases to total assets | 72.6668% | 1,926 |
| Net loans and leases to deposits | 89.8132% | 1,598 |
| Net loans and leases to core deposits | 92.0405% | 2,175 |
| Total domestic deposits to total assets | 80.9088% | 4,517 |
| Equity capital to assets | 10.3962% | 3,619 |
| Core capital (leverage) ratio | 10.5571% | 2,900 |
| Tier 1 risk-based capital ratio | 13.0803% | 4,212 |
| Total risk-based capital ratio | 14.2367% | 4,192 |
| Memoranda: | ||
| Average total assets | $126,180,000 | 3,975 |
| Average earning assets | $119,403,000 | 3,923 |
| Average equity | $13,177,500 | 4,137 |
| Average total loans | $95,555,500 | 3,503 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 558 |
| Cost of funding earning assets | 0.6987% | 827 |
| Net interest margin | 4.3613% | 859 |
| Noninterest income to average assets | 0.4557% | 3,624 |
| Noninterest expense to average assets | 2.5726% | 4,016 |
| Loan and lease loss provision to assets | 0.0366% | 3,615 |
| Net operating income to assets | 1.2827% | 1,311 |
| Return on assets (ROA) | 1.2827% | 1,352 |
| Pretax return on assets | 1.9894% | 548 |
| Return on Equity (ROE) | 12.8583% | 1,087 |
| Retained earnings to average equity (ytd only) | 11.8811% | 265 |
| Net charge-offs to loans | 0.0042% | 4,301 |
| Credit loss provision to net charge-offs | 1,125.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 623.5000% | 105 |
| Efficiency ratio | 55.9442% | 5,349 |
| Assets per employee ($millions) | 3.8577% | 4,194 |
| Cash dividends to net income (ytd only)* | 7.5997% | 4,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 3,495 |
| Loan loss allowance to noncurrent loans | 848.5294% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 5,153 |
| Noncurrent loans to loans | 0.1413% | 4,928 |
| Net loans and leases to total assets | 77.0436% | 1,247 |
| Net loans and leases to deposits | 98.8854% | 754 |
| Net loans and leases to core deposits | 101.2229% | 1,425 |
| Total domestic deposits to total assets | 77.9120% | 5,185 |
| Equity capital to assets | 10.4928% | 3,373 |
| Core capital (leverage) ratio | 10.4843% | 2,952 |
| Tier 1 risk-based capital ratio | 12.8115% | 4,444 |
| Total risk-based capital ratio | 13.9600% | 4,405 |
| Memoranda: | ||
| Average total assets | $123,104,000 | 4,020 |
| Average earning assets | $116,937,800 | 3,950 |
| Average equity | $12,280,000 | 4,249 |
| Average total loans | $94,752,800 | 3,484 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 644 |
| Cost of funding earning assets | 0.6893% | 886 |
| Net interest margin | 4.2938% | 968 |
| Noninterest income to average assets | 0.4780% | 3,516 |
| Noninterest expense to average assets | 2.4245% | 4,441 |
| Loan and lease loss provision to assets | 0.0325% | 3,582 |
| Net operating income to assets | 1.3580% | 1,208 |
| Return on assets (ROA) | 1.3580% | 1,256 |
| Pretax return on assets | 2.1189% | 485 |
| Return on Equity (ROE) | 13.7934% | 944 |
| Retained earnings to average equity (ytd only) | 13.0008% | 275 |
| Net charge-offs to loans | 0.0113% | 3,782 |
| Credit loss provision to net charge-offs | 375.0000% | 797 |
| Earnings coverage of net charge-offs (x) | 248.0412% | 282 |
| Efficiency ratio | 52.9844% | 5,582 |
| Assets per employee ($millions) | 4.0944% | 3,714 |
| Cash dividends to net income (ytd only)* | 5.7464% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 3,791 |
| Loan loss allowance to noncurrent loans | 120.8733% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 2,993 |
| Noncurrent loans to loans | 0.9723% | 2,551 |
| Net loans and leases to total assets | 77.7027% | 1,150 |
| Net loans and leases to deposits | 98.5900% | 767 |
| Net loans and leases to core deposits | 100.9050% | 1,447 |
| Total domestic deposits to total assets | 78.8140% | 5,019 |
| Equity capital to assets | 10.3638% | 3,741 |
| Core capital (leverage) ratio | 10.2156% | 3,354 |
| Tier 1 risk-based capital ratio | 12.4441% | 4,798 |
| Total risk-based capital ratio | 13.5655% | 4,782 |
| Memoranda: | ||
| Average total assets | $123,018,250 | 4,067 |
| Average earning assets | $117,407,750 | 3,974 |
| Average equity | $12,111,750 | 4,337 |
| Average total loans | $94,375,500 | 3,520 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 790 |
| Cost of funding earning assets | 0.6794% | 935 |
| Net interest margin | 4.1822% | 1,143 |
| Noninterest income to average assets | 0.4989% | 3,387 |
| Noninterest expense to average assets | 2.3822% | 4,610 |
| Loan and lease loss provision to assets | 0.0244% | 3,649 |
| Net operating income to assets | 1.3081% | 1,299 |
| Return on assets (ROA) | 1.3081% | 1,357 |
| Pretax return on assets | 2.0832% | 506 |
| Return on Equity (ROE) | 13.5230% | 1,005 |
| Retained earnings to average equity (ytd only) | 12.7166% | 331 |
| Net charge-offs to loans | 0.0021% | 3,827 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 1,297.0000% | 44 |
| Efficiency ratio | 53.0583% | 5,645 |
| Assets per employee ($millions) | 4.2354% | 3,404 |
| Cash dividends to net income (ytd only)* | 5.9627% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,980 |
| Loan loss allowance to noncurrent loans | 251.5625% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 4,434 |
| Noncurrent loans to loans | 0.4646% | 4,089 |
| Net loans and leases to total assets | 77.5831% | 1,126 |
| Net loans and leases to deposits | 95.8557% | 977 |
| Net loans and leases to core deposits | 97.5483% | 1,683 |
| Total domestic deposits to total assets | 80.9374% | 4,630 |
| Equity capital to assets | 9.9766% | 4,066 |
| Core capital (leverage) ratio | 9.8286% | 3,830 |
| Tier 1 risk-based capital ratio | 12.1149% | 5,070 |
| Total risk-based capital ratio | 13.2367% | 5,062 |
| Memoranda: | ||
| Average total assets | $123,080,670 | 4,092 |
| Average earning assets | $117,449,670 | 4,001 |
| Average equity | $11,905,670 | 4,397 |
| Average total loans | $93,641,330 | 3,562 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 943 |
| Cost of funding earning assets | 0.6608% | 1,041 |
| Net interest margin | 4.0911% | 1,300 |
| Noninterest income to average assets | 0.4740% | 3,474 |
| Noninterest expense to average assets | 2.3408% | 4,768 |
| Loan and lease loss provision to assets | 0.0227% | 3,416 |
| Net operating income to assets | 1.2986% | 1,281 |
| Return on assets (ROA) | 1.2986% | 1,368 |
| Pretax return on assets | 2.0096% | 575 |
| Return on Equity (ROE) | 13.6385% | 950 |
| Retained earnings to average equity (ytd only) | 12.8202% | 468 |
| Net charge-offs to loans | 0.0434% | 2,375 |
| Credit loss provision to net charge-offs | 70.0000% | 1,915 |
| Earnings coverage of net charge-offs (x) | 62.6000% | 712 |
| Efficiency ratio | 53.5264% | 5,717 |
| Assets per employee ($millions) | 4.2383% | 3,488 |
| Cash dividends to net income (ytd only)* | 6.0000% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 3,867 |
| Loan loss allowance to noncurrent loans | 125.8503% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 3,406 |
| Noncurrent loans to loans | 0.9664% | 2,838 |
| Net loans and leases to total assets | 70.9084% | 1,997 |
| Net loans and leases to deposits | 85.3836% | 1,908 |
| Net loans and leases to core deposits | 86.8025% | 2,459 |
| Total domestic deposits to total assets | 83.0468% | 4,167 |
| Equity capital to assets | 9.3960% | 4,864 |
| Core capital (leverage) ratio | 9.5462% | 4,205 |
| Tier 1 risk-based capital ratio | 11.9117% | 5,298 |
| Total risk-based capital ratio | 13.0332% | 5,281 |
| Memoranda: | ||
| Average total assets | $123,207,500 | 4,121 |
| Average earning assets | $117,425,000 | 4,029 |
| Average equity | $11,731,500 | 4,464 |
| Average total loans | $92,252,000 | 3,606 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 634 |
| Cost of funding earning assets | 0.7184% | 1,017 |
| Net interest margin | 4.3809% | 911 |
| Noninterest income to average assets | 0.5019% | 3,493 |
| Noninterest expense to average assets | 2.6015% | 4,214 |
| Loan and lease loss provision to assets | 0.0256% | 4,094 |
| Net operating income to assets | 1.3041% | 1,297 |
| Return on assets (ROA) | 1.3041% | 1,345 |
| Pretax return on assets | 2.0177% | 495 |
| Return on Equity (ROE) | 14.1290% | 912 |
| Retained earnings to average equity (ytd only) | 13.0194% | 222 |
| Net charge-offs to loans | -0.0057% | 5,476 |
| Credit loss provision to net charge-offs | -600.0000% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0088% | 5,664 |
| Assets per employee ($millions) | 4.1126% | 3,699 |
| Cash dividends to net income (ytd only)* | 7.8534% | 4,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 4,041 |
| Loan loss allowance to noncurrent loans | 247.3333% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 4,565 |
| Noncurrent loans to loans | 0.4827% | 4,217 |
| Net loans and leases to total assets | 77.2406% | 1,103 |
| Net loans and leases to deposits | 94.6812% | 1,020 |
| Net loans and leases to core deposits | 96.0775% | 1,716 |
| Total domestic deposits to total assets | 81.5797% | 4,573 |
| Equity capital to assets | 9.6558% | 4,527 |
| Core capital (leverage) ratio | 9.6273% | 4,061 |
| Tier 1 risk-based capital ratio | 11.7184% | 5,535 |
| Total risk-based capital ratio | 12.8611% | 5,515 |
| Memoranda: | ||
| Average total assets | $117,165,200 | 4,239 |
| Average earning assets | $110,798,600 | 4,162 |
| Average equity | $10,814,600 | 4,598 |
| Average total loans | $87,702,800 | 3,681 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 757 |
| Cost of funding earning assets | 0.7201% | 1,048 |
| Net interest margin | 4.2890% | 1,074 |
| Noninterest income to average assets | 0.4767% | 3,709 |
| Noninterest expense to average assets | 2.4005% | 4,820 |
| Loan and lease loss provision to assets | 0.0263% | 3,877 |
| Net operating income to assets | 1.3648% | 1,211 |
| Return on assets (ROA) | 1.3648% | 1,248 |
| Pretax return on assets | 2.1079% | 446 |
| Return on Equity (ROE) | 14.9631% | 836 |
| Retained earnings to average equity (ytd only) | 14.0608% | 247 |
| Net charge-offs to loans | -0.0015% | 5,174 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9367% | 5,928 |
| Assets per employee ($millions) | 4.0967% | 3,676 |
| Cash dividends to net income (ytd only)* | 6.0303% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 4,228 |
| Loan loss allowance to noncurrent loans | 201.4625% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 4,512 |
| Noncurrent loans to loans | 0.5952% | 4,146 |
| Net loans and leases to total assets | 76.4337% | 1,166 |
| Net loans and leases to deposits | 94.3871% | 1,005 |
| Net loans and leases to core deposits | 95.7950% | 1,687 |
| Total domestic deposits to total assets | 80.9789% | 4,826 |
| Equity capital to assets | 9.4499% | 4,859 |
| Core capital (leverage) ratio | 9.5027% | 4,368 |
| Tier 1 risk-based capital ratio | 11.3587% | 5,855 |
| Total risk-based capital ratio | 12.4835% | 5,846 |
| Memoranda: | ||
| Average total assets | $116,640,250 | 4,288 |
| Average earning assets | $110,357,250 | 4,209 |
| Average equity | $10,639,250 | 4,661 |
| Average total loans | $86,320,000 | 3,745 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9392% | 838 |
| Cost of funding earning assets | 0.7194% | 1,089 |
| Net interest margin | 4.2198% | 1,199 |
| Noninterest income to average assets | 0.4848% | 3,595 |
| Noninterest expense to average assets | 2.4034% | 4,870 |
| Loan and lease loss provision to assets | 0.0259% | 3,757 |
| Net operating income to assets | 1.3130% | 1,269 |
| Return on assets (ROA) | 1.3130% | 1,321 |
| Pretax return on assets | 2.0532% | 485 |
| Return on Equity (ROE) | 14.5739% | 861 |
| Retained earnings to average equity (ytd only) | 13.6546% | 283 |
| Net charge-offs to loans | -0.0071% | 5,240 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6182% | 5,942 |
| Assets per employee ($millions) | 3.9313% | 3,996 |
| Cash dividends to net income (ytd only)* | 6.3075% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 4,166 |
| Loan loss allowance to noncurrent loans | 314.9425% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 5,184 |
| Noncurrent loans to loans | 0.3966% | 4,803 |
| Net loans and leases to total assets | 73.4691% | 1,509 |
| Net loans and leases to deposits | 88.4849% | 1,534 |
| Net loans and leases to core deposits | 89.7814% | 2,145 |
| Total domestic deposits to total assets | 83.0301% | 4,296 |
| Equity capital to assets | 9.1836% | 5,121 |
| Core capital (leverage) ratio | 9.1250% | 4,844 |
| Tier 1 risk-based capital ratio | 11.4356% | 5,837 |
| Total risk-based capital ratio | 12.6050% | 5,823 |
| Memoranda: | ||
| Average total assets | $115,918,670 | 4,332 |
| Average earning assets | $109,815,670 | 4,249 |
| Average equity | $10,443,330 | 4,717 |
| Average total loans | $84,457,000 | 3,806 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8550% | 938 |
| Cost of funding earning assets | 0.7214% | 1,118 |
| Net interest margin | 4.1335% | 1,380 |
| Noninterest income to average assets | 0.4943% | 3,459 |
| Noninterest expense to average assets | 2.3671% | 5,016 |
| Loan and lease loss provision to assets | 0.0244% | 3,516 |
| Net operating income to assets | 1.2984% | 1,219 |
| Return on assets (ROA) | 1.2984% | 1,264 |
| Pretax return on assets | 2.0120% | 519 |
| Return on Equity (ROE) | 14.5568% | 849 |
| Retained earnings to average equity (ytd only) | 13.6202% | 424 |
| Net charge-offs to loans | -0.0628% | 5,917 |
| Credit loss provision to net charge-offs | -53.8462% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7549% | 6,034 |
| Assets per employee ($millions) | 3.9752% | 3,993 |
| Cash dividends to net income (ytd only)* | 6.4343% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 4,031 |
| Loan loss allowance to noncurrent loans | 423.9382% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 5,560 |
| Noncurrent loans to loans | 0.3106% | 5,173 |
| Net loans and leases to total assets | 69.0037% | 2,058 |
| Net loans and leases to deposits | 82.3965% | 2,012 |
| Net loans and leases to core deposits | 83.5798% | 2,561 |
| Total domestic deposits to total assets | 83.7459% | 4,367 |
| Equity capital to assets | 8.7417% | 5,405 |
| Core capital (leverage) ratio | 8.9774% | 5,049 |
| Tier 1 risk-based capital ratio | 11.2468% | 6,042 |
| Total risk-based capital ratio | 12.4393% | 6,027 |
| Memoranda: | ||
| Average total assets | $114,909,000 | 4,393 |
| Average earning assets | $108,672,500 | 4,302 |
| Average equity | $10,249,500 | 4,766 |
| Average total loans | $82,813,500 | 3,866 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 839 |
| Cost of funding earning assets | 0.7817% | 1,310 |
| Net interest margin | 4.2635% | 1,188 |
| Noninterest income to average assets | 0.5001% | 3,757 |
| Noninterest expense to average assets | 2.7652% | 3,851 |
| Loan and lease loss provision to assets | 0.0284% | 4,546 |
| Net operating income to assets | 1.1637% | 1,709 |
| Return on assets (ROA) | 1.1637% | 1,763 |
| Pretax return on assets | 1.7489% | 853 |
| Return on Equity (ROE) | 12.7987% | 1,208 |
| Retained earnings to average equity (ytd only) | 11.5510% | 364 |
| Net charge-offs to loans | 0.0559% | 4,449 |
| Credit loss provision to net charge-offs | 68.1818% | 3,351 |
| Earnings coverage of net charge-offs (x) | 42.7273% | 892 |
| Efficiency ratio | 60.8741% | 5,368 |
| Assets per employee ($millions) | 3.6854% | 4,514 |
| Cash dividends to net income (ytd only)* | 9.7482% | 4,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 4,090 |
| Loan loss allowance to noncurrent loans | 609.0395% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 5,837 |
| Noncurrent loans to loans | 0.2152% | 5,538 |
| Net loans and leases to total assets | 73.4068% | 1,455 |
| Net loans and leases to deposits | 87.7994% | 1,488 |
| Net loans and leases to core deposits | 89.1623% | 2,120 |
| Total domestic deposits to total assets | 83.6074% | 4,318 |
| Equity capital to assets | 9.1116% | 4,911 |
| Core capital (leverage) ratio | 9.0104% | 4,984 |
| Tier 1 risk-based capital ratio | 11.4652% | 5,921 |
| Total risk-based capital ratio | 12.7004% | 5,869 |
| Memoranda: | ||
| Average total assets | $105,780,800 | 4,598 |
| Average earning assets | $100,294,000 | 4,510 |
| Average equity | $9,618,200 | 4,943 |
| Average total loans | $78,745,000 | 3,979 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 986 |
| Cost of funding earning assets | 0.7865% | 1,401 |
| Net interest margin | 4.1886% | 1,371 |
| Noninterest income to average assets | 0.4768% | 3,958 |
| Noninterest expense to average assets | 2.4821% | 4,781 |
| Loan and lease loss provision to assets | 0.0280% | 4,450 |
| Net operating income to assets | 1.2532% | 1,477 |
| Return on assets (ROA) | 1.2532% | 1,547 |
| Pretax return on assets | 1.9518% | 647 |
| Return on Equity (ROE) | 13.7899% | 1,042 |
| Retained earnings to average equity (ytd only) | 12.7800% | 354 |
| Net charge-offs to loans | 0.0479% | 4,223 |
| Credit loss provision to net charge-offs | 78.5714% | 2,883 |
| Earnings coverage of net charge-offs (x) | 55.4677% | 804 |
| Efficiency ratio | 55.6286% | 5,957 |
| Assets per employee ($millions) | 3.6582% | 4,540 |
| Cash dividends to net income (ytd only)* | 7.3247% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 4,337 |
| Loan loss allowance to noncurrent loans | 434.4000% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 5,764 |
| Noncurrent loans to loans | 0.3013% | 5,480 |
| Net loans and leases to total assets | 74.6269% | 1,185 |
| Net loans and leases to deposits | 88.7189% | 1,294 |
| Net loans and leases to core deposits | 90.0980% | 1,955 |
| Total domestic deposits to total assets | 84.1160% | 4,142 |
| Equity capital to assets | 9.0454% | 5,133 |
| Core capital (leverage) ratio | 9.0706% | 5,008 |
| Tier 1 risk-based capital ratio | 11.2033% | 6,183 |
| Total risk-based capital ratio | 12.4440% | 6,158 |
| Memoranda: | ||
| Average total assets | $104,585,500 | 4,677 |
| Average earning assets | $99,505,750 | 4,572 |
| Average equity | $9,504,250 | 5,034 |
| Average total loans | $77,871,750 | 4,037 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 1,076 |
| Cost of funding earning assets | 0.7874% | 1,482 |
| Net interest margin | 4.1205% | 1,489 |
| Noninterest income to average assets | 0.4666% | 4,044 |
| Noninterest expense to average assets | 2.4906% | 4,772 |
| Loan and lease loss provision to assets | 0.0292% | 4,344 |
| Net operating income to assets | 1.1899% | 1,614 |
| Return on assets (ROA) | 1.1899% | 1,725 |
| Pretax return on assets | 1.8743% | 782 |
| Return on Equity (ROE) | 13.0723% | 1,228 |
| Retained earnings to average equity (ytd only) | 12.0470% | 485 |
| Net charge-offs to loans | 0.0446% | 4,054 |
| Credit loss provision to net charge-offs | 88.2353% | 2,478 |
| Earnings coverage of net charge-offs (x) | 57.5882% | 723 |
| Efficiency ratio | 56.6814% | 5,880 |
| Assets per employee ($millions) | 3.4447% | 4,968 |
| Cash dividends to net income (ytd only)* | 7.8431% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 4,239 |
| Loan loss allowance to noncurrent loans | 480.1762% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 5,836 |
| Noncurrent loans to loans | 0.2824% | 5,596 |
| Net loans and leases to total assets | 76.7401% | 899 |
| Net loans and leases to deposits | 91.5803% | 1,005 |
| Net loans and leases to core deposits | 93.0995% | 1,602 |
| Total domestic deposits to total assets | 83.7954% | 4,411 |
| Equity capital to assets | 9.2345% | 4,941 |
| Core capital (leverage) ratio | 9.0729% | 4,872 |
| Tier 1 risk-based capital ratio | 10.6934% | 6,449 |
| Total risk-based capital ratio | 11.9258% | 6,424 |
| Memoranda: | ||
| Average total assets | $102,865,330 | 4,753 |
| Average earning assets | $98,047,000 | 4,646 |
| Average equity | $9,363,330 | 5,089 |
| Average total loans | $76,167,000 | 4,098 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 1,290 |
| Cost of funding earning assets | 0.7836% | 1,621 |
| Net interest margin | 4.0164% | 1,724 |
| Noninterest income to average assets | 0.4482% | 4,127 |
| Noninterest expense to average assets | 2.4906% | 4,786 |
| Loan and lease loss provision to assets | 0.0273% | 4,125 |
| Net operating income to assets | 1.1186% | 1,786 |
| Return on assets (ROA) | 1.1186% | 1,896 |
| Pretax return on assets | 1.7461% | 981 |
| Return on Equity (ROE) | 12.3794% | 1,325 |
| Retained earnings to average equity (ytd only) | 11.3442% | 811 |
| Net charge-offs to loans | -0.0216% | 5,751 |
| Credit loss provision to net charge-offs | -175.0000% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4095% | 5,796 |
| Assets per employee ($millions) | 3.4093% | 5,179 |
| Cash dividends to net income (ytd only)* | 8.3624% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 3,760 |
| Loan loss allowance to noncurrent loans | 395.3405% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 5,774 |
| Noncurrent loans to loans | 0.3831% | 5,451 |
| Net loans and leases to total assets | 67.8696% | 2,038 |
| Net loans and leases to deposits | 79.1250% | 2,193 |
| Net loans and leases to core deposits | 80.3779% | 2,764 |
| Total domestic deposits to total assets | 85.7751% | 3,651 |
| Equity capital to assets | 8.8856% | 5,630 |
| Core capital (leverage) ratio | 8.9760% | 4,928 |
| Tier 1 risk-based capital ratio | 10.6571% | 6,537 |
| Total risk-based capital ratio | 11.9070% | 6,502 |
| Memoranda: | ||
| Average total assets | $102,627,500 | 4,797 |
| Average earning assets | $97,500,000 | 4,702 |
| Average equity | $9,273,500 | 5,161 |
| Average total loans | $74,053,500 | 4,200 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1542% | 1,199 |
| Cost of funding earning assets | 0.8616% | 2,202 |
| Net interest margin | 4.2926% | 1,417 |
| Noninterest income to average assets | 0.4559% | 4,211 |
| Noninterest expense to average assets | 2.8007% | 4,019 |
| Loan and lease loss provision to assets | 0.0317% | 5,496 |
| Net operating income to assets | 1.0926% | 1,962 |
| Return on assets (ROA) | 1.0926% | 2,144 |
| Pretax return on assets | 1.6859% | 1,169 |
| Return on Equity (ROE) | 11.8295% | 1,555 |
| Retained earnings to average equity (ytd only) | 10.5469% | 496 |
| Net charge-offs to loans | 0.1707% | 4,012 |
| Credit loss provision to net charge-offs | 25.8621% | 5,188 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,775 |
| Efficiency ratio | 61.9850% | 5,240 |
| Assets per employee ($millions) | 3.4333% | 5,141 |
| Cash dividends to net income (ytd only)* | 10.8422% | 4,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 3,939 |
| Loan loss allowance to noncurrent loans | 263.1325% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 5,443 |
| Noncurrent loans to loans | 0.5513% | 5,149 |
| Net loans and leases to total assets | 74.5046% | 1,122 |
| Net loans and leases to deposits | 92.3064% | 893 |
| Net loans and leases to core deposits | 93.9560% | 1,473 |
| Total domestic deposits to total assets | 80.7145% | 5,479 |
| Equity capital to assets | 9.1958% | 5,273 |
| Core capital (leverage) ratio | 9.1190% | 4,711 |
| Tier 1 risk-based capital ratio | 11.0467% | 6,332 |
| Total risk-based capital ratio | 12.2974% | 6,300 |
| Memoranda: | ||
| Average total assets | $94,547,600 | 4,974 |
| Average earning assets | $89,480,200 | 4,883 |
| Average equity | $8,732,400 | 5,293 |
| Average total loans | $67,946,000 | 4,424 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1252% | 1,366 |
| Cost of funding earning assets | 0.8750% | 2,356 |
| Net interest margin | 4.2502% | 1,596 |
| Noninterest income to average assets | 0.4159% | 4,510 |
| Noninterest expense to average assets | 2.5425% | 4,949 |
| Loan and lease loss provision to assets | 0.0314% | 5,383 |
| Net operating income to assets | 1.2148% | 1,684 |
| Return on assets (ROA) | 1.2148% | 1,861 |
| Pretax return on assets | 1.8751% | 914 |
| Return on Equity (ROE) | 13.1375% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.0247% | 524 |
| Net charge-offs to loans | 0.0323% | 5,193 |
| Credit loss provision to net charge-offs | 137.5000% | 2,093 |
| Earnings coverage of net charge-offs (x) | 83.3858% | 493 |
| Efficiency ratio | 57.1474% | 5,901 |
| Assets per employee ($millions) | 3.4396% | 5,117 |
| Cash dividends to net income (ytd only)* | 8.4708% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 3,415 |
| Loan loss allowance to noncurrent loans | 158.2888% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 4,770 |
| Noncurrent loans to loans | 1.0296% | 4,393 |
| Net loans and leases to total assets | 74.2052% | 1,220 |
| Net loans and leases to deposits | 89.8515% | 1,161 |
| Net loans and leases to core deposits | 91.7773% | 1,802 |
| Total domestic deposits to total assets | 82.5864% | 4,797 |
| Equity capital to assets | 9.4123% | 5,312 |
| Core capital (leverage) ratio | 9.0356% | 5,008 |
| Tier 1 risk-based capital ratio | 11.3286% | 6,339 |
| Total risk-based capital ratio | 12.5817% | 6,302 |
| Memoranda: | ||
| Average total assets | $93,292,750 | 5,051 |
| Average earning assets | $88,527,000 | 4,958 |
| Average equity | $8,626,500 | 5,371 |
| Average total loans | $66,114,000 | 4,545 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 1,724 |
| Cost of funding earning assets | 0.8942% | 2,450 |
| Net interest margin | 4.1282% | 1,979 |
| Noninterest income to average assets | 0.4009% | 4,644 |
| Noninterest expense to average assets | 2.5767% | 4,856 |
| Loan and lease loss provision to assets | 0.0325% | 5,266 |
| Net operating income to assets | 1.0922% | 2,070 |
| Return on assets (ROA) | 1.0922% | 2,294 |
| Pretax return on assets | 1.7034% | 1,245 |
| Return on Equity (ROE) | 11.8863% | 1,704 |
| Retained earnings to average equity (ytd only) | 10.7543% | 795 |
| Net charge-offs to loans | -0.0094% | 6,274 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7487% | 5,618 |
| Assets per employee ($millions) | 3.2888% | 5,470 |
| Cash dividends to net income (ytd only)* | 9.5238% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 3,215 |
| Loan loss allowance to noncurrent loans | 262.2807% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 5,567 |
| Noncurrent loans to loans | 0.6492% | 5,211 |
| Net loans and leases to total assets | 72.3942% | 1,493 |
| Net loans and leases to deposits | 90.9997% | 1,045 |
| Net loans and leases to core deposits | 93.0401% | 1,681 |
| Total domestic deposits to total assets | 79.5544% | 5,850 |
| Equity capital to assets | 9.1366% | 5,541 |
| Core capital (leverage) ratio | 9.1368% | 4,709 |
| Tier 1 risk-based capital ratio | 11.2065% | 6,398 |
| Total risk-based capital ratio | 12.4603% | 6,376 |
| Memoranda: | ||
| Average total assets | $92,287,000 | 5,107 |
| Average earning assets | $87,448,000 | 5,008 |
| Average equity | $8,480,330 | 5,425 |
| Average total loans | $63,935,000 | 4,639 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 1,996 |
| Cost of funding earning assets | 0.9313% | 2,432 |
| Net interest margin | 4.0373% | 2,343 |
| Noninterest income to average assets | 0.3747% | 4,862 |
| Noninterest expense to average assets | 2.6228% | 4,736 |
| Loan and lease loss provision to assets | 0.0353% | 4,939 |
| Net operating income to assets | 0.9698% | 2,594 |
| Return on assets (ROA) | 0.9698% | 2,797 |
| Pretax return on assets | 1.5384% | 1,774 |
| Return on Equity (ROE) | 10.5219% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.3741% | 1,447 |
| Net charge-offs to loans | 0.0263% | 4,315 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 381 |
| Efficiency ratio | 62.5000% | 5,188 |
| Assets per employee ($millions) | 3.1601% | 5,847 |
| Cash dividends to net income (ytd only)* | 10.9091% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9470% | 2,534 |
| Loan loss allowance to noncurrent loans | 6,221.0526% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 6,859 |
| Noncurrent loans to loans | 0.0313% | 6,687 |
| Net loans and leases to total assets | 62.7913% | 3,097 |
| Net loans and leases to deposits | 71.2663% | 3,542 |
| Net loans and leases to core deposits | 72.7148% | 4,054 |
| Total domestic deposits to total assets | 88.1080% | 2,245 |
| Equity capital to assets | 8.9058% | 5,633 |
| Core capital (leverage) ratio | 8.9506% | 4,915 |
| Tier 1 risk-based capital ratio | 11.6399% | 6,195 |
| Total risk-based capital ratio | 12.8952% | 6,174 |
| Memoranda: | ||
| Average total assets | $90,743,000 | 5,183 |
| Average earning assets | $85,899,500 | 5,085 |
| Average equity | $8,363,500 | 5,482 |
| Average total loans | $60,781,500 | 4,779 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 1,460 |
| Cost of funding earning assets | 1.1371% | 2,429 |
| Net interest margin | 4.2457% | 1,903 |
| Noninterest income to average assets | 0.5181% | 3,735 |
| Noninterest expense to average assets | 3.0278% | 3,492 |
| Loan and lease loss provision to assets | 0.0857% | 5,528 |
| Net operating income to assets | 0.9403% | 2,451 |
| Return on assets (ROA) | 0.9419% | 2,568 |
| Pretax return on assets | 1.4269% | 1,696 |
| Return on Equity (ROE) | 9.7091% | 2,157 |
| Retained earnings to average equity (ytd only) | 8.4970% | 925 |
| Net charge-offs to loans | -0.1034% | 7,141 |
| Credit loss provision to net charge-offs | -118.6441% | 6,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7206% | 4,618 |
| Assets per employee ($millions) | 3.3340% | 5,420 |
| Cash dividends to net income (ytd only)* | 12.4837% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9358% | 2,464 |
| Loan loss allowance to noncurrent loans | 8,414.2857% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,933 |
| Noncurrent loans to loans | 0.0230% | 6,769 |
| Net loans and leases to total assets | 68.8428% | 2,240 |
| Net loans and leases to deposits | 77.8437% | 2,869 |
| Net loans and leases to core deposits | 79.2539% | 3,539 |
| Total domestic deposits to total assets | 88.4372% | 1,886 |
| Equity capital to assets | 9.5567% | 4,797 |
| Core capital (leverage) ratio | 9.3361% | 4,277 |
| Tier 1 risk-based capital ratio | 12.2385% | 5,654 |
| Total risk-based capital ratio | 13.4956% | 5,624 |
| Memoranda: | ||
| Average total assets | $81,643,400 | 5,417 |
| Average earning assets | $77,301,800 | 5,306 |
| Average equity | $7,920,400 | 5,592 |
| Average total loans | $57,072,600 | 4,983 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 1,665 |
| Cost of funding earning assets | 1.1711% | 2,502 |
| Net interest margin | 4.1818% | 2,173 |
| Noninterest income to average assets | 0.4711% | 4,117 |
| Noninterest expense to average assets | 2.7932% | 4,368 |
| Loan and lease loss provision to assets | 0.0912% | 5,312 |
| Net operating income to assets | 1.0328% | 2,205 |
| Return on assets (ROA) | 1.0350% | 2,353 |
| Pretax return on assets | 1.5641% | 1,476 |
| Return on Equity (ROE) | 10.6262% | 1,981 |
| Retained earnings to average equity (ytd only) | 9.4001% | 1,013 |
| Net charge-offs to loans | -0.0831% | 7,134 |
| Credit loss provision to net charge-offs | -157.1429% | 6,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8358% | 5,271 |
| Assets per employee ($millions) | 3.1866% | 5,716 |
| Cash dividends to net income (ytd only)* | 11.5387% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 2,596 |
| Loan loss allowance to noncurrent loans | 3,796.6667% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 6,964 |
| Noncurrent loans to loans | 0.0502% | 6,809 |
| Net loans and leases to total assets | 70.7575% | 1,937 |
| Net loans and leases to deposits | 80.6427% | 2,572 |
| Net loans and leases to core deposits | 81.6297% | 3,385 |
| Total domestic deposits to total assets | 87.7420% | 2,201 |
| Equity capital to assets | 9.9141% | 4,460 |
| Core capital (leverage) ratio | 9.5489% | 4,082 |
| Tier 1 risk-based capital ratio | 12.3995% | 5,581 |
| Total risk-based capital ratio | 13.6565% | 5,566 |
| Memoranda: | ||
| Average total assets | $80,383,500 | 5,492 |
| Average earning assets | $76,393,500 | 5,370 |
| Average equity | $7,829,500 | 5,651 |
| Average total loans | $56,127,500 | 5,071 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2376% | 2,108 |
| Cost of funding earning assets | 1.2044% | 2,549 |
| Net interest margin | 4.0332% | 2,686 |
| Noninterest income to average assets | 0.5028% | 3,840 |
| Noninterest expense to average assets | 2.8582% | 4,199 |
| Loan and lease loss provision to assets | 0.1006% | 5,062 |
| Net operating income to assets | 0.9242% | 2,539 |
| Return on assets (ROA) | 0.9276% | 2,633 |
| Pretax return on assets | 1.3876% | 1,828 |
| Return on Equity (ROE) | 9.5828% | 2,281 |
| Retained earnings to average equity (ytd only) | 8.3362% | 1,325 |
| Net charge-offs to loans | -0.1020% | 7,171 |
| Credit loss provision to net charge-offs | -142.8571% | 6,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8367% | 4,905 |
| Assets per employee ($millions) | 2.9759% | 6,134 |
| Cash dividends to net income (ytd only)* | 13.0081% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 2,597 |
| Loan loss allowance to noncurrent loans | 569.8980% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 6,518 |
| Noncurrent loans to loans | 0.3373% | 6,242 |
| Net loans and leases to total assets | 70.9219% | 2,022 |
| Net loans and leases to deposits | 80.7679% | 2,652 |
| Net loans and leases to core deposits | 81.7728% | 3,543 |
| Total domestic deposits to total assets | 87.8094% | 2,273 |
| Equity capital to assets | 9.8981% | 4,275 |
| Core capital (leverage) ratio | 9.3393% | 4,191 |
| Tier 1 risk-based capital ratio | 12.2560% | 5,562 |
| Total risk-based capital ratio | 13.5134% | 5,542 |
| Memoranda: | ||
| Average total assets | $79,560,670 | 5,564 |
| Average earning assets | $75,722,000 | 5,443 |
| Average equity | $7,701,330 | 5,705 |
| Average total loans | $54,915,670 | 5,176 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1522% | 2,425 |
| Cost of funding earning assets | 1.2495% | 2,507 |
| Net interest margin | 3.9027% | 3,126 |
| Noninterest income to average assets | 0.4194% | 4,545 |
| Noninterest expense to average assets | 2.8750% | 4,171 |
| Loan and lease loss provision to assets | 0.1162% | 4,559 |
| Net operating income to assets | 0.7731% | 3,154 |
| Return on assets (ROA) | 0.7731% | 3,226 |
| Pretax return on assets | 1.1368% | 2,615 |
| Return on Equity (ROE) | 8.0787% | 2,875 |
| Retained earnings to average equity (ytd only) | 6.8114% | 2,232 |
| Net charge-offs to loans | -0.0375% | 6,791 |
| Credit loss provision to net charge-offs | -460.0000% | 5,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6450% | 4,347 |
| Assets per employee ($millions) | 3.1028% | 5,942 |
| Cash dividends to net income (ytd only)* | 15.6863% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 2,350 |
| Loan loss allowance to noncurrent loans | 316.7647% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 6,191 |
| Noncurrent loans to loans | 0.6385% | 5,757 |
| Net loans and leases to total assets | 62.2804% | 3,795 |
| Net loans and leases to deposits | 69.8914% | 4,355 |
| Net loans and leases to core deposits | 71.0013% | 4,928 |
| Total domestic deposits to total assets | 89.1102% | 1,704 |
| Equity capital to assets | 9.1040% | 5,041 |
| Core capital (leverage) ratio | 9.1198% | 4,418 |
| Tier 1 risk-based capital ratio | 12.2589% | 5,469 |
| Total risk-based capital ratio | 13.5161% | 5,461 |
| Memoranda: | ||
| Average total assets | $79,166,500 | 5,613 |
| Average earning assets | $75,229,500 | 5,506 |
| Average equity | $7,575,500 | 5,751 |
| Average total loans | $53,322,500 | 5,284 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7530% | 1,396 |
| Cost of funding earning assets | 1.4317% | 3,063 |
| Net interest margin | 4.3213% | 1,749 |
| Noninterest income to average assets | 0.6786% | 2,969 |
| Noninterest expense to average assets | 3.4535% | 2,297 |
| Loan and lease loss provision to assets | 0.1241% | 5,921 |
| Net operating income to assets | 0.7999% | 2,801 |
| Return on assets (ROA) | 0.7999% | 2,934 |
| Pretax return on assets | 1.1930% | 2,246 |
| Return on Equity (ROE) | 7.8702% | 2,752 |
| Retained earnings to average equity (ytd only) | 6.4997% | 1,555 |
| Net charge-offs to loans | -0.0432% | 7,433 |
| Credit loss provision to net charge-offs | -391.3043% | 7,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3909% | 3,722 |
| Assets per employee ($millions) | 2.7614% | 6,588 |
| Cash dividends to net income (ytd only)* | 17.4138% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9647% | 2,392 |
| Loan loss allowance to noncurrent loans | 499.5238% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 6,545 |
| Noncurrent loans to loans | 0.3933% | 6,262 |
| Net loans and leases to total assets | 70.2053% | 2,496 |
| Net loans and leases to deposits | 79.7025% | 3,226 |
| Net loans and leases to core deposits | 81.1444% | 4,038 |
| Total domestic deposits to total assets | 88.0843% | 2,199 |
| Equity capital to assets | 10.0916% | 3,631 |
| Core capital (leverage) ratio | 9.5860% | 3,582 |
| Tier 1 risk-based capital ratio | 12.8984% | 4,685 |
| Total risk-based capital ratio | 14.1562% | 4,652 |
| Memoranda: | ||
| Average total assets | $72,505,200 | 5,800 |
| Average earning assets | $68,659,400 | 5,712 |
| Average equity | $7,369,600 | 5,917 |
| Average total loans | $53,236,000 | 5,345 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7748% | 1,473 |
| Cost of funding earning assets | 1.4501% | 3,274 |
| Net interest margin | 4.3248% | 1,760 |
| Noninterest income to average assets | 0.7482% | 2,516 |
| Noninterest expense to average assets | 3.1669% | 3,044 |
| Loan and lease loss provision to assets | 0.1259% | 5,767 |
| Net operating income to assets | 1.0408% | 2,098 |
| Return on assets (ROA) | 1.0408% | 2,203 |
| Pretax return on assets | 1.5538% | 1,468 |
| Return on Equity (ROE) | 10.2211% | 2,041 |
| Retained earnings to average equity (ytd only) | 8.7843% | 1,125 |
| Net charge-offs to loans | -0.0201% | 7,354 |
| Credit loss provision to net charge-offs | -850.0000% | 7,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3420% | 4,991 |
| Assets per employee ($millions) | 2.7389% | 6,709 |
| Cash dividends to net income (ytd only)* | 14.0569% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8431% | 2,655 |
| Loan loss allowance to noncurrent loans | 142.5352% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 5,167 |
| Noncurrent loans to loans | 1.2931% | 4,693 |
| Net loans and leases to total assets | 72.8817% | 2,039 |
| Net loans and leases to deposits | 83.1408% | 2,883 |
| Net loans and leases to core deposits | 84.6822% | 3,851 |
| Total domestic deposits to total assets | 87.6606% | 2,181 |
| Equity capital to assets | 10.3124% | 3,748 |
| Core capital (leverage) ratio | 10.0660% | 3,185 |
| Tier 1 risk-based capital ratio | 12.7057% | 4,808 |
| Total risk-based capital ratio | 13.9617% | 4,783 |
| Memoranda: | ||
| Average total assets | $71,992,250 | 5,884 |
| Average earning assets | $68,225,500 | 5,789 |
| Average equity | $7,331,000 | 6,008 |
| Average total loans | $53,197,000 | 5,425 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7406% | 1,591 |
| Cost of funding earning assets | 1.4780% | 3,380 |
| Net interest margin | 4.2626% | 1,912 |
| Noninterest income to average assets | 0.6644% | 2,933 |
| Noninterest expense to average assets | 3.2324% | 2,794 |
| Loan and lease loss provision to assets | 0.1262% | 5,625 |
| Net operating income to assets | 0.8999% | 2,552 |
| Return on assets (ROA) | 0.8999% | 2,669 |
| Pretax return on assets | 1.3485% | 1,955 |
| Return on Equity (ROE) | 8.8764% | 2,519 |
| Retained earnings to average equity (ytd only) | 7.3002% | 1,714 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6718% | 4,444 |
| Assets per employee ($millions) | 2.5948% | 6,959 |
| Cash dividends to net income (ytd only)* | 17.7570% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 2,742 |
| Loan loss allowance to noncurrent loans | 245.2500% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 5,207 |
| Noncurrent loans to loans | 0.7301% | 5,796 |
| Net loans and leases to total assets | 74.0568% | 1,901 |
| Net loans and leases to deposits | 86.0469% | 2,499 |
| Net loans and leases to core deposits | 87.6848% | 3,586 |
| Total domestic deposits to total assets | 86.0657% | 3,042 |
| Equity capital to assets | 10.1837% | 3,793 |
| Core capital (leverage) ratio | 9.7824% | 3,429 |
| Tier 1 risk-based capital ratio | 12.5172% | 4,845 |
| Total risk-based capital ratio | 13.7732% | 4,808 |
| Memoranda: | ||
| Average total assets | $71,339,670 | 5,939 |
| Average earning assets | $67,658,000 | 5,838 |
| Average equity | $7,232,670 | 6,058 |
| Average total loans | $52,626,670 | 5,483 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7003% | 1,781 |
| Cost of funding earning assets | 1.4743% | 3,716 |
| Net interest margin | 4.2260% | 1,946 |
| Noninterest income to average assets | 0.7131% | 2,513 |
| Noninterest expense to average assets | 3.2597% | 2,673 |
| Loan and lease loss provision to assets | 0.1302% | 5,268 |
| Net operating income to assets | 0.8998% | 2,542 |
| Return on assets (ROA) | 0.8998% | 2,614 |
| Pretax return on assets | 1.3299% | 1,968 |
| Return on Equity (ROE) | 8.8957% | 2,532 |
| Retained earnings to average equity (ytd only) | 6.9375% | 2,161 |
| Net charge-offs to loans | 0.0621% | 4,794 |
| Credit loss provision to net charge-offs | 287.5000% | 1,370 |
| Earnings coverage of net charge-offs (x) | 32.2500% | 826 |
| Efficiency ratio | 69.0647% | 4,497 |
| Assets per employee ($millions) | 2.6864% | 6,889 |
| Cash dividends to net income (ytd only)* | 22.0126% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 2,557 |
| Loan loss allowance to noncurrent loans | 159.8319% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 1.2339% | 4,707 |
| Noncurrent loans to loans | 1.1609% | 5,046 |
| Net loans and leases to total assets | 69.3501% | 3,079 |
| Net loans and leases to deposits | 78.0187% | 4,037 |
| Net loans and leases to core deposits | 79.4582% | 4,837 |
| Total domestic deposits to total assets | 88.8890% | 1,576 |
| Equity capital to assets | 9.9198% | 3,957 |
| Core capital (leverage) ratio | 9.8575% | 3,330 |
| Tier 1 risk-based capital ratio | 12.7915% | 4,489 |
| Total risk-based capital ratio | 14.0476% | 4,451 |
| Memoranda: | ||
| Average total assets | $70,682,000 | 6,027 |
| Average earning assets | $67,014,000 | 5,933 |
| Average equity | $7,149,500 | 6,133 |
| Average total loans | $51,546,500 | 5,608 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0799% | 1,577 |
| Cost of funding earning assets | 1.5656% | 5,199 |
| Net interest margin | 4.5142% | 1,150 |
| Noninterest income to average assets | 0.6040% | 3,598 |
| Noninterest expense to average assets | 3.6448% | 2,046 |
| Loan and lease loss provision to assets | 0.1323% | 6,318 |
| Net operating income to assets | 0.7382% | 2,779 |
| Return on assets (ROA) | 0.7392% | 2,857 |
| Pretax return on assets | 1.0787% | 2,311 |
| Return on Equity (ROE) | 7.1993% | 2,711 |
| Retained earnings to average equity (ytd only) | 5.1955% | 1,718 |
| Net charge-offs to loans | -0.0182% | 7,780 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0833% | 3,691 |
| Assets per employee ($millions) | 2.5493% | 7,123 |
| Cash dividends to net income (ytd only)* | 27.8330% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 2,526 |
| Loan loss allowance to noncurrent loans | 152.6917% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 4,442 |
| Noncurrent loans to loans | 1.1825% | 4,966 |
| Net loans and leases to total assets | 73.9554% | 2,283 |
| Net loans and leases to deposits | 83.9116% | 3,293 |
| Net loans and leases to core deposits | 91.5788% | 4,941 |
| Total domestic deposits to total assets | 88.1349% | 1,907 |
| Equity capital to assets | 10.3208% | 3,384 |
| Core capital (leverage) ratio | 9.8882% | 3,219 |
| Tier 1 risk-based capital ratio | 12.8579% | 4,240 |
| Total risk-based capital ratio | 14.1134% | 4,190 |
| Memoranda: | ||
| Average total assets | $68,042,000 | 6,074 |
| Average earning assets | $64,063,800 | 6,000 |
| Average equity | $6,986,800 | 6,275 |
| Average total loans | $49,461,600 | 5,700 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0772% | 1,729 |
| Cost of funding earning assets | 1.5866% | 5,464 |
| Net interest margin | 4.4906% | 1,214 |
| Noninterest income to average assets | 0.5955% | 3,748 |
| Noninterest expense to average assets | 3.1208% | 3,577 |
| Loan and lease loss provision to assets | 0.1336% | 6,023 |
| Net operating income to assets | 1.0481% | 1,909 |
| Return on assets (ROA) | 1.0494% | 1,966 |
| Pretax return on assets | 1.5702% | 1,243 |
| Return on Equity (ROE) | 10.2333% | 1,836 |
| Retained earnings to average equity (ytd only) | 8.2212% | 1,073 |
| Net charge-offs to loans | -0.0027% | 7,600 |
| Credit loss provision to net charge-offs | -6,800.0000% | 7,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7107% | 5,613 |
| Assets per employee ($millions) | 4.0783% | 3,593 |
| Cash dividends to net income (ytd only)* | 19.6635% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 2,389 |
| Loan loss allowance to noncurrent loans | 299.0099% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 1.2202% | 4,628 |
| Noncurrent loans to loans | 0.5913% | 6,129 |
| Net loans and leases to total assets | 72.6097% | 2,880 |
| Net loans and leases to deposits | 85.3570% | 3,440 |
| Net loans and leases to core deposits | 93.7938% | 5,034 |
| Total domestic deposits to total assets | 85.0658% | 3,200 |
| Equity capital to assets | 10.3864% | 3,636 |
| Core capital (leverage) ratio | 10.0029% | 3,278 |
| Tier 1 risk-based capital ratio | 12.9292% | 4,245 |
| Total risk-based capital ratio | 14.1851% | 4,168 |
| Memoranda: | ||
| Average total assets | $67,844,500 | 6,113 |
| Average earning assets | $63,865,250 | 6,041 |
| Average equity | $6,957,500 | 6,328 |
| Average total loans | $48,866,750 | 5,764 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0399% | 2,018 |
| Cost of funding earning assets | 1.6209% | 5,664 |
| Net interest margin | 4.4190% | 1,368 |
| Noninterest income to average assets | 0.5880% | 3,783 |
| Noninterest expense to average assets | 3.1537% | 3,490 |
| Loan and lease loss provision to assets | 0.1336% | 5,752 |
| Net operating income to assets | 0.9928% | 2,139 |
| Return on assets (ROA) | 0.9948% | 2,225 |
| Pretax return on assets | 1.4729% | 1,519 |
| Return on Equity (ROE) | 9.7436% | 2,114 |
| Retained earnings to average equity (ytd only) | 7.7076% | 1,314 |
| Net charge-offs to loans | 0.0083% | 6,460 |
| Credit loss provision to net charge-offs | 2,250.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 147 |
| Efficiency ratio | 66.2921% | 5,501 |
| Assets per employee ($millions) | 2.4686% | 7,307 |
| Cash dividends to net income (ytd only)* | 20.8955% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 2,242 |
| Loan loss allowance to noncurrent loans | 333.3333% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 5,209 |
| Noncurrent loans to loans | 0.5193% | 6,234 |
| Net loans and leases to total assets | 72.2704% | 3,141 |
| Net loans and leases to deposits | 85.5934% | 3,622 |
| Net loans and leases to core deposits | 93.7505% | 5,142 |
| Total domestic deposits to total assets | 84.4345% | 3,531 |
| Equity capital to assets | 10.0997% | 3,814 |
| Core capital (leverage) ratio | 9.9826% | 3,317 |
| Tier 1 risk-based capital ratio | 12.6667% | 4,384 |
| Total risk-based capital ratio | 13.9215% | 4,299 |
| Memoranda: | ||
| Average total assets | $67,349,000 | 6,178 |
| Average earning assets | $63,544,330 | 6,092 |
| Average equity | $6,876,330 | 6,412 |
| Average total loans | $48,073,330 | 5,844 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0496% | 2,154 |
| Cost of funding earning assets | 1.6755% | 5,714 |
| Net interest margin | 4.3741% | 1,410 |
| Noninterest income to average assets | 0.5898% | 3,628 |
| Noninterest expense to average assets | 3.0152% | 3,696 |
| Loan and lease loss provision to assets | 0.1384% | 5,193 |
| Net operating income to assets | 1.0731% | 2,052 |
| Return on assets (ROA) | 1.0773% | 2,173 |
| Pretax return on assets | 1.5588% | 1,513 |
| Return on Equity (ROE) | 10.4924% | 2,131 |
| Retained earnings to average equity (ytd only) | 8.4408% | 1,648 |
| Net charge-offs to loans | 0.0257% | 5,184 |
| Credit loss provision to net charge-offs | 766.6667% | 777 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 453 |
| Efficiency ratio | 64.0665% | 5,680 |
| Assets per employee ($millions) | 2.3978% | 7,465 |
| Cash dividends to net income (ytd only)* | 19.5531% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 1,794 |
| Loan loss allowance to noncurrent loans | 599.3007% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 5,328 |
| Noncurrent loans to loans | 0.3044% | 6,672 |
| Net loans and leases to total assets | 68.6963% | 3,977 |
| Net loans and leases to deposits | 77.1890% | 5,058 |
| Net loans and leases to core deposits | 84.3304% | 6,035 |
| Total domestic deposits to total assets | 88.9975% | 1,227 |
| Equity capital to assets | 10.2727% | 3,680 |
| Core capital (leverage) ratio | 9.8890% | 3,530 |
| Tier 1 risk-based capital ratio | 13.1784% | 4,067 |
| Total risk-based capital ratio | 14.4340% | 3,984 |
| Memoranda: | ||
| Average total assets | $66,463,000 | 6,235 |
| Average earning assets | $62,549,500 | 6,154 |
| Average equity | $6,824,000 | 6,469 |
| Average total loans | $46,693,000 | 5,930 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4697% | 3,118 |
| Cost of funding earning assets | 2.0745% | 6,153 |
| Net interest margin | 4.3952% | 1,696 |
| Noninterest income to average assets | 0.5908% | 3,908 |
| Noninterest expense to average assets | 3.2472% | 3,159 |
| Loan and lease loss provision to assets | 0.0921% | 6,216 |
| Net operating income to assets | 0.9253% | 2,895 |
| Return on assets (ROA) | 0.9315% | 2,721 |
| Pretax return on assets | 1.3965% | 1,982 |
| Return on Equity (ROE) | 9.5055% | 2,437 |
| Retained earnings to average equity (ytd only) | 7.3131% | 1,050 |
| Net charge-offs to loans | 0.4193% | 2,722 |
| Credit loss provision to net charge-offs | 31.5789% | 6,514 |
| Earnings coverage of net charge-offs (x) | 5.0737% | 3,761 |
| Efficiency ratio | 68.7013% | 4,595 |
| Assets per employee ($millions) | 2.4366% | 7,334 |
| Cash dividends to net income (ytd only)* | 23.0643% | 4,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 1,625 |
| Loan loss allowance to noncurrent loans | 492.3529% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 4,877 |
| Noncurrent loans to loans | 0.3663% | 6,270 |
| Net loans and leases to total assets | 69.2690% | 4,195 |
| Net loans and leases to deposits | 79.1847% | 5,167 |
| Net loans and leases to core deposits | 86.5511% | 6,095 |
| Total domestic deposits to total assets | 87.4778% | 1,717 |
| Equity capital to assets | 10.2619% | 3,746 |
| Core capital (leverage) ratio | 9.7972% | 3,647 |
| Tier 1 risk-based capital ratio | 13.3094% | 3,928 |
| Total risk-based capital ratio | 14.5645% | 3,827 |
| Memoranda: | ||
| Average total assets | $65,164,000 | 6,188 |
| Average earning assets | $61,316,800 | 6,120 |
| Average equity | $6,385,800 | 6,682 |
| Average total loans | $45,309,800 | 5,915 |