Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 3,837 |
| Cost of funding earning assets | 1.8649% | 2,550 |
| Net interest margin | 2.6679% | 3,673 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 2.1493% | 3,259 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.4519% | 3,583 |
| Return on assets (ROA) | 0.4593% | 3,584 |
| Pretax return on assets | 0.5919% | 3,477 |
| Return on Equity (ROE) | 5.8600% | 3,328 |
| Retained earnings to average equity (ytd only) | -10.1175% | 4,392 |
| Net charge-offs to loans | -0.0250% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 75.8398% | 1,381 |
| Assets per employee ($millions) | 7.3888% | 1,912 |
| Cash dividends to net income (ytd only)* | 272.7273% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,174 |
| Loan loss allowance to noncurrent loans | 1,352.8302% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,281 |
| Noncurrent loans to loans | 0.0886% | 3,201 |
| Net loans and leases to total assets | 61.5600% | 2,798 |
| Net loans and leases to deposits | 73.9091% | 2,655 |
| Net loans and leases to core deposits | 80.0460% | 2,776 |
| Total domestic deposits to total assets | 83.2900% | 2,965 |
| Equity capital to assets | 7.1741% | 3,904 |
| Core capital (leverage) ratio | 9.7220% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $191,599,800 | 3,051 |
| Average earning assets | $182,693,000 | 3,009 |
| Average equity | $15,023,400 | 3,335 |
| Average total loans | $115,856,200 | 3,044 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 3,859 |
| Cost of funding earning assets | 1.8631% | 2,566 |
| Net interest margin | 2.6190% | 3,736 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 2.1336% | 3,258 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.4697% | 3,532 |
| Return on assets (ROA) | 0.4784% | 3,549 |
| Pretax return on assets | 0.5731% | 3,519 |
| Return on Equity (ROE) | 5.9700% | 3,321 |
| Retained earnings to average equity (ytd only) | 1.2782% | 3,646 |
| Net charge-offs to loans | -0.0395% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 76.4600% | 1,360 |
| Assets per employee ($millions) | 7.3846% | 1,879 |
| Cash dividends to net income (ytd only)* | 78.6026% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,239 |
| Loan loss allowance to noncurrent loans | 440.6832% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 2,629 |
| Noncurrent loans to loans | 0.2714% | 2,469 |
| Net loans and leases to total assets | 61.0400% | 2,832 |
| Net loans and leases to deposits | 76.5584% | 2,478 |
| Net loans and leases to core deposits | 85.4045% | 2,467 |
| Total domestic deposits to total assets | 79.7300% | 3,507 |
| Equity capital to assets | 8.6547% | 3,286 |
| Core capital (leverage) ratio | 10.5616% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $191,472,750 | 3,046 |
| Average earning assets | $182,557,500 | 3,017 |
| Average equity | $15,333,750 | 3,319 |
| Average total loans | $114,897,750 | 3,049 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 3,900 |
| Cost of funding earning assets | 1.7947% | 2,637 |
| Net interest margin | 2.6202% | 3,713 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 2.1182% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.4841% | 3,468 |
| Return on assets (ROA) | 0.4945% | 3,473 |
| Pretax return on assets | 0.5928% | 3,462 |
| Return on Equity (ROE) | 6.3500% | 3,186 |
| Retained earnings to average equity (ytd only) | 1.5162% | 3,480 |
| Net charge-offs to loans | -0.0018% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 76.0945% | 1,452 |
| Assets per employee ($millions) | 6.9876% | 2,082 |
| Cash dividends to net income (ytd only)* | 76.1099% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,296 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.3800% | 2,919 |
| Net loans and leases to deposits | 73.6989% | 2,711 |
| Net loans and leases to core deposits | 80.4111% | 2,788 |
| Total domestic deposits to total assets | 81.9200% | 3,100 |
| Equity capital to assets | 7.8578% | 3,523 |
| Core capital (leverage) ratio | 10.5353% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $191,297,000 | 3,049 |
| Average earning assets | $182,431,000 | 3,019 |
| Average equity | $14,906,000 | 3,331 |
| Average total loans | $113,656,000 | 3,067 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 3,925 |
| Cost of funding earning assets | 1.7301% | 2,692 |
| Net interest margin | 2.5973% | 3,720 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 2.0954% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4656% | 3,478 |
| Return on assets (ROA) | 0.4673% | 3,500 |
| Pretax return on assets | 0.5669% | 3,453 |
| Return on Equity (ROE) | 6.0200% | 3,213 |
| Retained earnings to average equity (ytd only) | 1.2043% | 3,442 |
| Net charge-offs to loans | 0.0213% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 998 |
| Efficiency ratio | 76.3466% | 1,515 |
| Assets per employee ($millions) | 7.9086% | 1,506 |
| Cash dividends to net income (ytd only)* | 80.0000% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,130 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 57.8200% | 3,058 |
| Net loans and leases to deposits | 71.5725% | 2,771 |
| Net loans and leases to core deposits | 76.2208% | 2,962 |
| Total domestic deposits to total assets | 80.7800% | 3,413 |
| Equity capital to assets | 7.7584% | 3,523 |
| Core capital (leverage) ratio | 10.7966% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $192,612,500 | 3,049 |
| Average earning assets | $183,572,000 | 3,010 |
| Average equity | $14,946,500 | 3,331 |
| Average total loans | $112,842,500 | 3,081 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,871 |
| Cost of funding earning assets | 1.2853% | 2,567 |
| Net interest margin | 2.7725% | 3,713 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.1531% | 3,244 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.5489% | 3,569 |
| Return on assets (ROA) | 0.5477% | 3,560 |
| Pretax return on assets | 0.6805% | 3,475 |
| Return on Equity (ROE) | 7.4800% | 3,164 |
| Retained earnings to average equity (ytd only) | 0.5904% | 3,936 |
| Net charge-offs to loans | -0.0162% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.2695% | 1,529 |
| Assets per employee ($millions) | 7.5161% | 1,719 |
| Cash dividends to net income (ytd only)* | 92.1053% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,328 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.9300% | 3,042 |
| Net loans and leases to deposits | 72.0357% | 2,751 |
| Net loans and leases to core deposits | 76.2024% | 2,963 |
| Total domestic deposits to total assets | 80.4200% | 3,396 |
| Equity capital to assets | 7.7613% | 3,568 |
| Core capital (leverage) ratio | 10.9112% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $194,277,600 | 3,020 |
| Average earning assets | $185,175,000 | 2,972 |
| Average equity | $14,228,600 | 3,326 |
| Average total loans | $111,418,000 | 3,037 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 3,855 |
| Cost of funding earning assets | 1.1861% | 2,471 |
| Net interest margin | 2.8068% | 3,716 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.1224% | 3,296 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5931% | 3,562 |
| Return on assets (ROA) | 0.5904% | 3,554 |
| Pretax return on assets | 0.7478% | 3,455 |
| Return on Equity (ROE) | 8.1800% | 3,132 |
| Retained earnings to average equity (ytd only) | 3.0393% | 3,496 |
| Net charge-offs to loans | -0.0157% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.1973% | 1,654 |
| Assets per employee ($millions) | 7.2755% | 1,767 |
| Cash dividends to net income (ytd only)* | 62.8638% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,322 |
| Loan loss allowance to noncurrent loans | 67,950.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,876 |
| Noncurrent loans to loans | 0.0018% | 3,812 |
| Net loans and leases to total assets | 58.8000% | 2,961 |
| Net loans and leases to deposits | 74.4368% | 2,527 |
| Net loans and leases to core deposits | 79.3019% | 2,650 |
| Total domestic deposits to total assets | 78.9900% | 3,701 |
| Equity capital to assets | 6.8311% | 3,693 |
| Core capital (leverage) ratio | 10.8264% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $193,992,500 | 3,032 |
| Average earning assets | $185,023,250 | 2,989 |
| Average equity | $13,994,000 | 3,335 |
| Average total loans | $110,628,500 | 3,045 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 3,918 |
| Cost of funding earning assets | 1.0293% | 2,504 |
| Net interest margin | 2.8439% | 3,744 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.0767% | 3,409 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.6468% | 3,470 |
| Return on assets (ROA) | 0.6411% | 3,495 |
| Pretax return on assets | 0.8313% | 3,323 |
| Return on Equity (ROE) | 8.7400% | 3,050 |
| Retained earnings to average equity (ytd only) | 3.7209% | 3,277 |
| Net charge-offs to loans | -0.0218% | 4,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.6823% | 1,898 |
| Assets per employee ($millions) | 7.4582% | 1,626 |
| Cash dividends to net income (ytd only)* | 57.4163% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 2,461 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.0000% | 3,045 |
| Net loans and leases to deposits | 72.2456% | 2,632 |
| Net loans and leases to core deposits | 76.8394% | 2,702 |
| Total domestic deposits to total assets | 78.8900% | 3,735 |
| Equity capital to assets | 7.3559% | 3,605 |
| Core capital (leverage) ratio | 10.7006% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $195,602,000 | 3,033 |
| Average earning assets | $186,924,333 | 2,985 |
| Average equity | $14,351,333 | 3,324 |
| Average total loans | $109,975,667 | 3,056 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 3,887 |
| Cost of funding earning assets | 0.8472% | 2,549 |
| Net interest margin | 2.9377% | 3,725 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.1074% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7049% | 3,453 |
| Return on assets (ROA) | 0.7066% | 3,405 |
| Pretax return on assets | 0.9122% | 3,206 |
| Return on Equity (ROE) | 9.6400% | 2,884 |
| Retained earnings to average equity (ytd only) | 4.6405% | 3,105 |
| Net charge-offs to loans | -0.0147% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.6113% | 2,023 |
| Assets per employee ($millions) | 7.5279% | 1,605 |
| Cash dividends to net income (ytd only)* | 51.8732% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 2,461 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.0900% | 3,112 |
| Net loans and leases to deposits | 69.4783% | 2,657 |
| Net loans and leases to core deposits | 73.6839% | 2,702 |
| Total domestic deposits to total assets | 79.2900% | 3,871 |
| Equity capital to assets | 7.5866% | 3,517 |
| Core capital (leverage) ratio | 10.4811% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $196,447,000 | 3,060 |
| Average earning assets | $187,902,500 | 3,011 |
| Average equity | $14,395,000 | 3,356 |
| Average total loans | $109,031,500 | 3,101 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3587% | 3,456 |
| Cost of funding earning assets | 0.5350% | 1,192 |
| Net interest margin | 2.8237% | 3,840 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.0980% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6223% | 3,826 |
| Return on assets (ROA) | 0.6253% | 3,770 |
| Pretax return on assets | 0.8034% | 3,614 |
| Return on Equity (ROE) | 7.5500% | 3,506 |
| Retained earnings to average equity (ytd only) | 0.0295% | 4,335 |
| Net charge-offs to loans | 0.0356% | 1,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 44.2973% | 1,440 |
| Efficiency ratio | 70.1010% | 1,673 |
| Assets per employee ($millions) | 7.0417% | 1,940 |
| Cash dividends to net income (ytd only)* | 99.6100% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,307 |
| Loan loss allowance to noncurrent loans | 10,207.6923% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,846 |
| Noncurrent loans to loans | 0.0119% | 3,750 |
| Net loans and leases to total assets | 54.5600% | 3,148 |
| Net loans and leases to deposits | 67.4196% | 2,776 |
| Net loans and leases to core deposits | 71.1778% | 2,787 |
| Total domestic deposits to total assets | 80.9300% | 3,769 |
| Equity capital to assets | 7.0706% | 3,629 |
| Core capital (leverage) ratio | 10.3373% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $205,008,800 | 3,014 |
| Average earning assets | $196,446,400 | 2,962 |
| Average equity | $16,974,200 | 3,203 |
| Average total loans | $103,843,800 | 3,095 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2461% | 3,318 |
| Cost of funding earning assets | 0.4891% | 792 |
| Net interest margin | 2.7570% | 3,821 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.0164% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6568% | 3,677 |
| Return on assets (ROA) | 0.6610% | 3,627 |
| Pretax return on assets | 0.8233% | 3,521 |
| Return on Equity (ROE) | 7.7100% | 3,404 |
| Retained earnings to average equity (ytd only) | 3.9023% | 3,476 |
| Net charge-offs to loans | 0.0585% | 895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 28.2222% | 1,549 |
| Efficiency ratio | 68.7955% | 1,914 |
| Assets per employee ($millions) | 7.6357% | 1,525 |
| Cash dividends to net income (ytd only)* | 49.4152% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,352 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.1500% | 3,171 |
| Net loans and leases to deposits | 64.9309% | 2,798 |
| Net loans and leases to core deposits | 68.4800% | 2,757 |
| Total domestic deposits to total assets | 81.8600% | 3,857 |
| Equity capital to assets | 7.0398% | 3,493 |
| Core capital (leverage) ratio | 10.3755% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $206,969,000 | 3,019 |
| Average earning assets | $198,472,000 | 2,967 |
| Average equity | $17,732,500 | 3,180 |
| Average total loans | $102,579,000 | 3,117 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1115% | 3,275 |
| Cost of funding earning assets | 0.4650% | 641 |
| Net interest margin | 2.6464% | 3,822 |
| Noninterest income to average assets | 0.1726% | 4,143 |
| Noninterest expense to average assets | 1.9840% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5953% | 3,638 |
| Return on assets (ROA) | 0.5968% | 3,580 |
| Pretax return on assets | 0.7350% | 3,491 |
| Return on Equity (ROE) | 6.5948% | 3,425 |
| Retained earnings to average equity (ytd only) | 3.1499% | 3,398 |
| Net charge-offs to loans | 0.1265% | 494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 12.0156% | 1,717 |
| Efficiency ratio | 70.5614% | 1,878 |
| Assets per employee ($millions) | 7.4640% | 1,637 |
| Cash dividends to net income (ytd only)* | 52.2364% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 2,387 |
| Loan loss allowance to noncurrent loans | 2,363.6364% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,711 |
| Noncurrent loans to loans | 0.0532% | 3,551 |
| Net loans and leases to total assets | 50.6289% | 3,309 |
| Net loans and leases to deposits | 63.9238% | 2,730 |
| Net loans and leases to core deposits | 67.4837% | 2,699 |
| Total domestic deposits to total assets | 79.2020% | 4,286 |
| Equity capital to assets | 8.2733% | 2,927 |
| Core capital (leverage) ratio | 9.8920% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,782,667 | 3,030 |
| Average earning assets | $201,705,333 | 2,979 |
| Average equity | $18,984,667 | 3,153 |
| Average total loans | $101,157,333 | 3,169 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9353% | 3,438 |
| Cost of funding earning assets | 0.4643% | 600 |
| Net interest margin | 2.4710% | 3,952 |
| Noninterest income to average assets | 0.1533% | 4,237 |
| Noninterest expense to average assets | 2.0008% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4226% | 3,906 |
| Return on assets (ROA) | 0.4226% | 3,870 |
| Pretax return on assets | 0.5311% | 3,814 |
| Return on Equity (ROE) | 4.4885% | 3,765 |
| Retained earnings to average equity (ytd only) | 1.5690% | 3,666 |
| Net charge-offs to loans | 0.0120% | 1,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 94.6667% | 694 |
| Efficiency ratio | 76.4402% | 1,469 |
| Assets per employee ($millions) | 8.3369% | 1,194 |
| Cash dividends to net income (ytd only)* | 65.0442% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 1,799 |
| Loan loss allowance to noncurrent loans | 4,002.9412% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,904 |
| Noncurrent loans to loans | 0.0357% | 3,728 |
| Net loans and leases to total assets | 43.2889% | 3,792 |
| Net loans and leases to deposits | 57.2820% | 3,151 |
| Net loans and leases to core deposits | 60.9737% | 3,065 |
| Total domestic deposits to total assets | 75.5716% | 4,518 |
| Equity capital to assets | 8.5196% | 3,140 |
| Core capital (leverage) ratio | 9.3773% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,909,500 | 3,009 |
| Average earning assets | $205,908,500 | 2,957 |
| Average equity | $20,140,500 | 3,133 |
| Average total loans | $100,070,000 | 3,189 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2845% | 3,257 |
| Cost of funding earning assets | 0.4426% | 1,248 |
| Net interest margin | 2.8419% | 3,581 |
| Noninterest income to average assets | 0.1951% | 4,196 |
| Noninterest expense to average assets | 2.0301% | 3,582 |
| Loan and lease loss provision to assets | 0.1064% | 1,190 |
| Net operating income to assets | 0.6156% | 3,840 |
| Return on assets (ROA) | 0.6180% | 3,879 |
| Pretax return on assets | 0.8143% | 3,696 |
| Return on Equity (ROE) | 5.4207% | 3,904 |
| Retained earnings to average equity (ytd only) | -11.3862% | 4,778 |
| Net charge-offs to loans | -0.1703% | 4,684 |
| Credit loss provision to net charge-offs | -122.4490% | 3,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6259% | 1,906 |
| Assets per employee ($millions) | 7.5378% | 1,599 |
| Cash dividends to net income (ytd only)* | 310.0478% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.0773% | 3,396 |
| Net loans and leases to deposits | 66.9576% | 2,412 |
| Net loans and leases to core deposits | 71.1928% | 2,333 |
| Total domestic deposits to total assets | 73.2961% | 4,606 |
| Equity capital to assets | 10.3355% | 2,332 |
| Core capital (leverage) ratio | 10.5798% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,105,600 | 3,307 |
| Average earning assets | $163,797,400 | 3,237 |
| Average equity | $19,277,800 | 3,277 |
| Average total loans | $86,338,800 | 3,388 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4269% | 3,024 |
| Cost of funding earning assets | 0.4602% | 1,286 |
| Net interest margin | 2.9667% | 3,393 |
| Noninterest income to average assets | 0.1925% | 4,241 |
| Noninterest expense to average assets | 2.1115% | 3,327 |
| Loan and lease loss provision to assets | 0.0504% | 1,987 |
| Net operating income to assets | 0.7462% | 3,661 |
| Return on assets (ROA) | 0.7490% | 3,720 |
| Pretax return on assets | 0.9112% | 3,670 |
| Return on Equity (ROE) | 6.3719% | 3,829 |
| Retained earnings to average equity (ytd only) | 5.0847% | 3,186 |
| Net charge-offs to loans | -0.0490% | 4,347 |
| Credit loss provision to net charge-offs | -200.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7842% | 1,730 |
| Assets per employee ($millions) | 8.2311% | 1,166 |
| Cash dividends to net income (ytd only)* | 20.2020% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 2,083 |
| Loan loss allowance to noncurrent loans | 793.6620% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 3,490 |
| Noncurrent loans to loans | 0.1745% | 3,252 |
| Net loans and leases to total assets | 51.3243% | 3,268 |
| Net loans and leases to deposits | 86.6644% | 788 |
| Net loans and leases to core deposits | 96.2237% | 739 |
| Total domestic deposits to total assets | 59.2218% | 4,843 |
| Equity capital to assets | 11.9758% | 1,417 |
| Core capital (leverage) ratio | 11.1573% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,617,250 | 3,444 |
| Average earning assets | $153,837,250 | 3,371 |
| Average equity | $18,643,750 | 3,373 |
| Average total loans | $81,687,000 | 3,494 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3875% | 3,211 |
| Cost of funding earning assets | 0.4645% | 1,417 |
| Net interest margin | 2.9230% | 3,522 |
| Noninterest income to average assets | 0.1920% | 4,240 |
| Noninterest expense to average assets | 2.0946% | 3,408 |
| Loan and lease loss provision to assets | 0.0502% | 2,029 |
| Net operating income to assets | 0.7259% | 3,697 |
| Return on assets (ROA) | 0.7279% | 3,758 |
| Pretax return on assets | 0.8848% | 3,689 |
| Return on Equity (ROE) | 6.2314% | 3,846 |
| Retained earnings to average equity (ytd only) | 4.9422% | 3,207 |
| Net charge-offs to loans | -0.0538% | 4,405 |
| Credit loss provision to net charge-offs | -181.8182% | 3,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1957% | 1,738 |
| Assets per employee ($millions) | 8.1025% | 1,164 |
| Cash dividends to net income (ytd only)* | 20.6897% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 2,237 |
| Loan loss allowance to noncurrent loans | 1,263.2184% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,875 |
| Noncurrent loans to loans | 0.1062% | 3,657 |
| Net loans and leases to total assets | 49.8889% | 3,565 |
| Net loans and leases to deposits | 81.8800% | 1,239 |
| Net loans and leases to core deposits | 90.2923% | 1,122 |
| Total domestic deposits to total assets | 60.9293% | 4,866 |
| Equity capital to assets | 11.5828% | 1,581 |
| Core capital (leverage) ratio | 11.0375% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,359,667 | 3,442 |
| Average earning assets | $154,568,667 | 3,367 |
| Average equity | $18,615,333 | 3,372 |
| Average total loans | $81,785,000 | 3,519 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2705% | 3,524 |
| Cost of funding earning assets | 0.4833% | 1,492 |
| Net interest margin | 2.7872% | 3,793 |
| Noninterest income to average assets | 0.1975% | 4,203 |
| Noninterest expense to average assets | 2.1314% | 3,324 |
| Loan and lease loss provision to assets | 0.0506% | 2,086 |
| Net operating income to assets | 0.6025% | 3,935 |
| Return on assets (ROA) | 0.6025% | 3,997 |
| Pretax return on assets | 0.7164% | 3,984 |
| Return on Equity (ROE) | 5.1354% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.8408% | 3,550 |
| Net charge-offs to loans | -0.0490% | 4,381 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5371% | 1,348 |
| Assets per employee ($millions) | 8.4451% | 1,011 |
| Cash dividends to net income (ytd only)* | 25.2101% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,397 |
| Loan loss allowance to noncurrent loans | 8,891.6667% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,331 |
| Noncurrent loans to loans | 0.0147% | 4,228 |
| Net loans and leases to total assets | 50.0807% | 3,619 |
| Net loans and leases to deposits | 87.6658% | 854 |
| Net loans and leases to core deposits | 92.9360% | 1,046 |
| Total domestic deposits to total assets | 57.1268% | 4,899 |
| Equity capital to assets | 11.3102% | 1,654 |
| Core capital (leverage) ratio | 11.3032% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,014,500 | 3,459 |
| Average earning assets | $153,128,500 | 3,383 |
| Average equity | $18,538,000 | 3,368 |
| Average total loans | $81,705,500 | 3,530 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 3,305 |
| Cost of funding earning assets | 0.7195% | 1,619 |
| Net interest margin | 3.0794% | 3,677 |
| Noninterest income to average assets | 0.1973% | 4,294 |
| Noninterest expense to average assets | 2.1021% | 3,935 |
| Loan and lease loss provision to assets | 0.0828% | 3,344 |
| Net operating income to assets | 0.8057% | 3,073 |
| Return on assets (ROA) | 0.8177% | 3,145 |
| Pretax return on assets | 1.0024% | 3,042 |
| Return on Equity (ROE) | 6.6607% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.4247% | 3,114 |
| Net charge-offs to loans | 0.0936% | 1,524 |
| Credit loss provision to net charge-offs | 171.2329% | 2,311 |
| Earnings coverage of net charge-offs (x) | 22.1507% | 1,867 |
| Efficiency ratio | 66.2563% | 2,490 |
| Assets per employee ($millions) | 8.1880% | 975 |
| Cash dividends to net income (ytd only)* | 48.5830% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,592 |
| Loan loss allowance to noncurrent loans | 1,165.1685% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 4,053 |
| Noncurrent loans to loans | 0.1086% | 3,857 |
| Net loans and leases to total assets | 52.0331% | 3,656 |
| Net loans and leases to deposits | 87.4349% | 1,139 |
| Net loans and leases to core deposits | 92.2948% | 1,365 |
| Total domestic deposits to total assets | 59.5107% | 4,916 |
| Equity capital to assets | 12.1667% | 1,492 |
| Core capital (leverage) ratio | 11.1660% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,038,800 | 3,397 |
| Average earning assets | $145,936,600 | 3,315 |
| Average equity | $18,541,600 | 3,320 |
| Average total loans | $77,973,200 | 3,596 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 3,059 |
| Cost of funding earning assets | 0.7652% | 1,652 |
| Net interest margin | 3.2054% | 3,480 |
| Noninterest income to average assets | 0.1948% | 4,307 |
| Noninterest expense to average assets | 2.0857% | 3,975 |
| Loan and lease loss provision to assets | 0.0934% | 3,148 |
| Net operating income to assets | 0.8990% | 2,711 |
| Return on assets (ROA) | 0.9134% | 2,774 |
| Pretax return on assets | 1.1296% | 2,647 |
| Return on Equity (ROE) | 7.4237% | 3,037 |
| Retained earnings to average equity (ytd only) | 6.1226% | 2,056 |
| Net charge-offs to loans | 0.1386% | 1,049 |
| Credit loss provision to net charge-offs | 131.2500% | 2,440 |
| Earnings coverage of net charge-offs (x) | 16.9375% | 2,038 |
| Efficiency ratio | 63.3784% | 2,851 |
| Assets per employee ($millions) | 8.0784% | 969 |
| Cash dividends to net income (ytd only)* | 17.5268% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,487 |
| Loan loss allowance to noncurrent loans | 742.6471% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 3,989 |
| Noncurrent loans to loans | 0.1659% | 3,718 |
| Net loans and leases to total assets | 52.7559% | 3,913 |
| Net loans and leases to deposits | 95.6213% | 784 |
| Net loans and leases to core deposits | 104.4771% | 903 |
| Total domestic deposits to total assets | 55.1717% | 4,959 |
| Equity capital to assets | 12.5103% | 1,423 |
| Core capital (leverage) ratio | 11.2197% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,905,500 | 3,394 |
| Average earning assets | $144,795,500 | 3,308 |
| Average equity | $18,445,000 | 3,322 |
| Average total loans | $76,970,000 | 3,629 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 3,243 |
| Cost of funding earning assets | 0.8433% | 1,622 |
| Net interest margin | 3.1892% | 3,698 |
| Noninterest income to average assets | 0.1990% | 4,278 |
| Noninterest expense to average assets | 2.0496% | 4,131 |
| Loan and lease loss provision to assets | 0.1009% | 3,010 |
| Net operating income to assets | 0.9071% | 2,661 |
| Return on assets (ROA) | 0.9213% | 2,738 |
| Pretax return on assets | 1.1432% | 2,571 |
| Return on Equity (ROE) | 7.5305% | 2,926 |
| Retained earnings to average equity (ytd only) | 6.2113% | 1,980 |
| Net charge-offs to loans | -0.0611% | 4,732 |
| Credit loss provision to net charge-offs | -326.0870% | 3,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5616% | 3,034 |
| Assets per employee ($millions) | 8.5888% | 786 |
| Cash dividends to net income (ytd only)* | 17.5182% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 1,830 |
| Loan loss allowance to noncurrent loans | 453.1381% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 3,749 |
| Noncurrent loans to loans | 0.2955% | 3,326 |
| Net loans and leases to total assets | 51.6177% | 4,053 |
| Net loans and leases to deposits | 87.5614% | 1,606 |
| Net loans and leases to core deposits | 95.0272% | 1,657 |
| Total domestic deposits to total assets | 58.9503% | 4,967 |
| Equity capital to assets | 12.2518% | 1,511 |
| Core capital (leverage) ratio | 10.8361% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,710,667 | 3,382 |
| Average earning assets | $143,483,667 | 3,300 |
| Average equity | $18,192,667 | 3,344 |
| Average total loans | $75,298,333 | 3,660 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 3,791 |
| Cost of funding earning assets | 0.9519% | 1,641 |
| Net interest margin | 3.0466% | 4,204 |
| Noninterest income to average assets | 0.2168% | 4,255 |
| Noninterest expense to average assets | 2.1626% | 4,093 |
| Loan and lease loss provision to assets | 0.1235% | 2,151 |
| Net operating income to assets | 0.7026% | 3,266 |
| Return on assets (ROA) | 0.7026% | 3,339 |
| Pretax return on assets | 0.8645% | 3,237 |
| Return on Equity (ROE) | 5.7531% | 3,406 |
| Retained earnings to average equity (ytd only) | 4.4047% | 2,537 |
| Net charge-offs to loans | -0.0331% | 4,504 |
| Credit loss provision to net charge-offs | -750.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6411% | 2,566 |
| Assets per employee ($millions) | 7.6233% | 853 |
| Cash dividends to net income (ytd only)* | 23.4375% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 1,598 |
| Loan loss allowance to noncurrent loans | 108.5954% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 2,030 |
| Noncurrent loans to loans | 1.3148% | 1,241 |
| Net loans and leases to total assets | 49.3790% | 4,268 |
| Net loans and leases to deposits | 92.6439% | 1,215 |
| Net loans and leases to core deposits | 100.4311% | 1,438 |
| Total domestic deposits to total assets | 53.2998% | 5,060 |
| Equity capital to assets | 12.6447% | 1,649 |
| Core capital (leverage) ratio | 11.4296% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,747,500 | 3,384 |
| Average earning assets | $140,353,000 | 3,307 |
| Average equity | $17,799,000 | 3,393 |
| Average total loans | $72,506,000 | 3,715 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 4,407 |
| Cost of funding earning assets | 1.0893% | 1,368 |
| Net interest margin | 2.8249% | 4,740 |
| Noninterest income to average assets | 0.2056% | 4,432 |
| Noninterest expense to average assets | 2.0537% | 4,444 |
| Loan and lease loss provision to assets | 0.0823% | 2,361 |
| Net operating income to assets | 0.6539% | 4,004 |
| Return on assets (ROA) | 0.6539% | 4,078 |
| Pretax return on assets | 0.7876% | 3,996 |
| Return on Equity (ROE) | 5.7313% | 3,998 |
| Retained earnings to average equity (ytd only) | 2.8476% | 3,614 |
| Net charge-offs to loans | -0.0151% | 4,572 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2462% | 2,134 |
| Assets per employee ($millions) | 7.7185% | 793 |
| Cash dividends to net income (ytd only)* | 50.3145% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 1,676 |
| Loan loss allowance to noncurrent loans | 138.5373% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 2,468 |
| Noncurrent loans to loans | 0.9813% | 1,553 |
| Net loans and leases to total assets | 48.7337% | 4,384 |
| Net loans and leases to deposits | 87.1085% | 1,954 |
| Net loans and leases to core deposits | 97.3758% | 1,781 |
| Total domestic deposits to total assets | 55.9460% | 5,107 |
| Equity capital to assets | 11.7850% | 2,294 |
| Core capital (leverage) ratio | 11.4166% | 2,176 |
| Tier 1 risk-based capital ratio | 18.3146% | 1,686 |
| Total risk-based capital ratio | 19.4081% | 1,678 |
| Memoranda: | ||
| Average total assets | $145,885,400 | 3,349 |
| Average earning assets | $140,361,200 | 3,272 |
| Average equity | $16,645,400 | 3,475 |
| Average total loans | $66,361,400 | 3,851 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 4,539 |
| Cost of funding earning assets | 1.1210% | 1,271 |
| Net interest margin | 2.7801% | 4,873 |
| Noninterest income to average assets | 0.2004% | 4,517 |
| Noninterest expense to average assets | 2.0298% | 4,495 |
| Loan and lease loss provision to assets | 0.0824% | 2,258 |
| Net operating income to assets | 0.6360% | 4,198 |
| Return on assets (ROA) | 0.6360% | 4,248 |
| Pretax return on assets | 0.7641% | 4,202 |
| Return on Equity (ROE) | 5.6208% | 4,159 |
| Retained earnings to average equity (ytd only) | 4.1650% | 3,325 |
| Net charge-offs to loans | -0.0123% | 4,441 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5695% | 2,042 |
| Assets per employee ($millions) | 7.5813% | 820 |
| Cash dividends to net income (ytd only)* | 25.8989% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 1,680 |
| Loan loss allowance to noncurrent loans | 106.6143% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 2,149 |
| Noncurrent loans to loans | 1.2863% | 1,205 |
| Net loans and leases to total assets | 47.4820% | 4,525 |
| Net loans and leases to deposits | 77.6131% | 3,140 |
| Net loans and leases to core deposits | 88.2755% | 2,702 |
| Total domestic deposits to total assets | 61.1778% | 5,155 |
| Equity capital to assets | 12.1692% | 2,137 |
| Core capital (leverage) ratio | 11.2939% | 2,384 |
| Tier 1 risk-based capital ratio | 19.1191% | 1,537 |
| Total risk-based capital ratio | 20.2185% | 1,548 |
| Memoranda: | ||
| Average total assets | $145,693,750 | 3,388 |
| Average earning assets | $140,232,500 | 3,306 |
| Average equity | $16,486,000 | 3,515 |
| Average total loans | $64,838,250 | 3,930 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 4,650 |
| Cost of funding earning assets | 1.0930% | 1,324 |
| Net interest margin | 2.7509% | 4,966 |
| Noninterest income to average assets | 0.1915% | 4,606 |
| Noninterest expense to average assets | 2.0309% | 4,552 |
| Loan and lease loss provision to assets | 0.0821% | 2,197 |
| Net operating income to assets | 0.6072% | 4,291 |
| Return on assets (ROA) | 0.6072% | 4,330 |
| Pretax return on assets | 0.7289% | 4,260 |
| Return on Equity (ROE) | 5.5024% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.0153% | 3,243 |
| Net charge-offs to loans | 0.0095% | 2,795 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 197.6667% | 392 |
| Efficiency ratio | 71.4629% | 1,993 |
| Assets per employee ($millions) | 7.7760% | 723 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 1,796 |
| Loan loss allowance to noncurrent loans | 113.0112% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 2,371 |
| Noncurrent loans to loans | 1.1985% | 1,338 |
| Net loans and leases to total assets | 44.9561% | 4,684 |
| Net loans and leases to deposits | 72.6394% | 3,627 |
| Net loans and leases to core deposits | 82.7478% | 3,221 |
| Total domestic deposits to total assets | 61.8895% | 5,193 |
| Equity capital to assets | 11.5118% | 2,598 |
| Core capital (leverage) ratio | 11.0781% | 2,523 |
| Tier 1 risk-based capital ratio | 19.5814% | 1,424 |
| Total risk-based capital ratio | 20.6740% | 1,422 |
| Memoranda: | ||
| Average total assets | $146,243,670 | 3,399 |
| Average earning assets | $140,898,670 | 3,313 |
| Average equity | $16,138,330 | 3,556 |
| Average total loans | $63,335,670 | 3,988 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 4,679 |
| Cost of funding earning assets | 1.0623% | 1,325 |
| Net interest margin | 2.7585% | 5,018 |
| Noninterest income to average assets | 0.1869% | 4,633 |
| Noninterest expense to average assets | 2.0537% | 4,544 |
| Loan and lease loss provision to assets | 0.0825% | 2,050 |
| Net operating income to assets | 0.5828% | 4,292 |
| Return on assets (ROA) | 0.5828% | 4,325 |
| Pretax return on assets | 0.7066% | 4,287 |
| Return on Equity (ROE) | 5.4001% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.8717% | 3,368 |
| Net charge-offs to loans | -0.0587% | 4,880 |
| Credit loss provision to net charge-offs | -333.3333% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2437% | 2,001 |
| Assets per employee ($millions) | 8.1261% | 643 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 42.4123% | 4,815 |
| Net loans and leases to deposits | 67.2389% | 3,966 |
| Net loans and leases to core deposits | 81.5598% | 3,221 |
| Total domestic deposits to total assets | 63.0769% | 5,253 |
| Equity capital to assets | 11.0372% | 2,813 |
| Core capital (leverage) ratio | 11.2384% | 2,352 |
| Tier 1 risk-based capital ratio | 20.2550% | 1,297 |
| Total risk-based capital ratio | 21.3745% | 1,288 |
| Memoranda: | ||
| Average total assets | $145,493,500 | 3,443 |
| Average earning assets | $140,078,500 | 3,366 |
| Average equity | $15,703,500 | 3,617 |
| Average total loans | $61,337,500 | 4,064 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 4,604 |
| Cost of funding earning assets | 0.9921% | 786 |
| Net interest margin | 2.7495% | 5,062 |
| Noninterest income to average assets | 0.2081% | 4,674 |
| Noninterest expense to average assets | 2.0129% | 4,729 |
| Loan and lease loss provision to assets | 0.1016% | 2,163 |
| Net operating income to assets | 0.5910% | 4,443 |
| Return on assets (ROA) | 0.5871% | 4,459 |
| Pretax return on assets | 0.7314% | 4,338 |
| Return on Equity (ROE) | 5.5858% | 4,297 |
| Retained earnings to average equity (ytd only) | 2.7862% | 4,005 |
| Net charge-offs to loans | 0.6215% | 272 |
| Credit loss provision to net charge-offs | 38.5638% | 3,295 |
| Earnings coverage of net charge-offs (x) | 3.1809% | 3,443 |
| Efficiency ratio | 70.6070% | 2,092 |
| Assets per employee ($millions) | 8.0399% | 653 |
| Cash dividends to net income (ytd only)* | 50.1193% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 1,518 |
| Loan loss allowance to noncurrent loans | 1,379.0323% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 4,636 |
| Noncurrent loans to loans | 0.1038% | 4,268 |
| Net loans and leases to total assets | 40.6929% | 4,921 |
| Net loans and leases to deposits | 67.9984% | 3,978 |
| Net loans and leases to core deposits | 84.0313% | 3,091 |
| Total domestic deposits to total assets | 59.8440% | 5,318 |
| Equity capital to assets | 10.5467% | 3,133 |
| Core capital (leverage) ratio | 11.4247% | 2,159 |
| Tier 1 risk-based capital ratio | 20.6303% | 1,204 |
| Total risk-based capital ratio | 21.7311% | 1,202 |
| Memoranda: | ||
| Average total assets | $142,731,400 | 3,464 |
| Average earning assets | $137,190,600 | 3,397 |
| Average equity | $15,002,400 | 3,641 |
| Average total loans | $60,497,600 | 4,080 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 4,588 |
| Cost of funding earning assets | 0.9541% | 735 |
| Net interest margin | 2.7784% | 5,111 |
| Noninterest income to average assets | 0.2044% | 4,744 |
| Noninterest expense to average assets | 1.9807% | 4,776 |
| Loan and lease loss provision to assets | 0.1078% | 1,858 |
| Net operating income to assets | 0.6342% | 4,410 |
| Return on assets (ROA) | 0.6290% | 4,439 |
| Pretax return on assets | 0.7818% | 4,341 |
| Return on Equity (ROE) | 5.9893% | 4,270 |
| Retained earnings to average equity (ytd only) | 4.3827% | 3,565 |
| Net charge-offs to loans | 0.8349% | 171 |
| Credit loss provision to net charge-offs | 30.2632% | 2,965 |
| Earnings coverage of net charge-offs (x) | 2.5158% | 3,237 |
| Efficiency ratio | 68.8498% | 2,377 |
| Assets per employee ($millions) | 7.8571% | 686 |
| Cash dividends to net income (ytd only)* | 26.8253% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 1,868 |
| Loan loss allowance to noncurrent loans | 20,525.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 5,021 |
| Noncurrent loans to loans | 0.0066% | 4,904 |
| Net loans and leases to total assets | 42.3243% | 4,944 |
| Net loans and leases to deposits | 66.6392% | 4,154 |
| Net loans and leases to core deposits | 90.5759% | 2,609 |
| Total domestic deposits to total assets | 63.5126% | 5,358 |
| Equity capital to assets | 10.3488% | 3,286 |
| Core capital (leverage) ratio | 11.3542% | 2,284 |
| Tier 1 risk-based capital ratio | 20.2174% | 1,295 |
| Total risk-based capital ratio | 21.2488% | 1,304 |
| Memoranda: | ||
| Average total assets | $142,234,750 | 3,512 |
| Average earning assets | $136,811,750 | 3,441 |
| Average equity | $14,937,250 | 3,674 |
| Average total loans | $60,685,750 | 4,117 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 4,609 |
| Cost of funding earning assets | 0.9030% | 724 |
| Net interest margin | 2.7863% | 5,134 |
| Noninterest income to average assets | 0.2021% | 4,810 |
| Noninterest expense to average assets | 1.9677% | 4,850 |
| Loan and lease loss provision to assets | 0.1193% | 1,660 |
| Net operating income to assets | 0.6409% | 4,376 |
| Return on assets (ROA) | 0.6330% | 4,409 |
| Pretax return on assets | 0.7859% | 4,291 |
| Return on Equity (ROE) | 5.9983% | 4,246 |
| Retained earnings to average equity (ytd only) | 4.4023% | 3,403 |
| Net charge-offs to loans | 1.2754% | 97 |
| Credit loss provision to net charge-offs | 21.9638% | 2,678 |
| Earnings coverage of net charge-offs (x) | 1.6848% | 3,038 |
| Efficiency ratio | 68.2571% | 2,601 |
| Assets per employee ($millions) | 7.9142% | 644 |
| Cash dividends to net income (ytd only)* | 26.6075% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,089 |
| Loan loss allowance to noncurrent loans | 1,425.4545% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 4,833 |
| Noncurrent loans to loans | 0.0923% | 4,501 |
| Net loans and leases to total assets | 41.2678% | 5,014 |
| Net loans and leases to deposits | 71.4452% | 3,753 |
| Net loans and leases to core deposits | 85.7593% | 2,945 |
| Total domestic deposits to total assets | 57.7614% | 5,465 |
| Equity capital to assets | 10.3689% | 3,252 |
| Core capital (leverage) ratio | 11.2902% | 2,264 |
| Tier 1 risk-based capital ratio | 20.1075% | 1,302 |
| Total risk-based capital ratio | 21.0968% | 1,322 |
| Memoranda: | ||
| Average total assets | $142,504,000 | 3,536 |
| Average earning assets | $137,098,330 | 3,456 |
| Average equity | $15,037,670 | 3,679 |
| Average total loans | $60,688,000 | 4,147 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6626% | 4,564 |
| Cost of funding earning assets | 0.8719% | 686 |
| Net interest margin | 2.7907% | 5,165 |
| Noninterest income to average assets | 0.1936% | 4,854 |
| Noninterest expense to average assets | 2.0038% | 4,839 |
| Loan and lease loss provision to assets | 0.2105% | 768 |
| Net operating income to assets | 0.5136% | 4,657 |
| Return on assets (ROA) | 0.5136% | 4,658 |
| Pretax return on assets | 0.6651% | 4,530 |
| Return on Equity (ROE) | 4.8250% | 4,544 |
| Retained earnings to average equity (ytd only) | 3.2430% | 3,911 |
| Net charge-offs to loans | 2.8541% | 36 |
| Credit loss provision to net charge-offs | 17.1625% | 2,141 |
| Earnings coverage of net charge-offs (x) | 0.7140% | 2,622 |
| Efficiency ratio | 69.5906% | 2,554 |
| Assets per employee ($millions) | 7.7758% | 691 |
| Cash dividends to net income (ytd only)* | 32.7869% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 42.2070% | 4,972 |
| Net loans and leases to deposits | 69.6114% | 3,820 |
| Net loans and leases to core deposits | 80.8770% | 3,254 |
| Total domestic deposits to total assets | 60.6323% | 5,516 |
| Equity capital to assets | 10.5719% | 3,000 |
| Core capital (leverage) ratio | 11.1155% | 2,322 |
| Tier 1 risk-based capital ratio | 20.1944% | 1,311 |
| Total risk-based capital ratio | 21.1241% | 1,336 |
| Memoranda: | ||
| Average total assets | $142,528,500 | 3,574 |
| Average earning assets | $137,171,000 | 3,490 |
| Average equity | $15,171,000 | 3,683 |
| Average total loans | $61,246,000 | 4,172 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 4,624 |
| Cost of funding earning assets | 0.8533% | 473 |
| Net interest margin | 2.7223% | 5,256 |
| Noninterest income to average assets | 0.1814% | 5,047 |
| Noninterest expense to average assets | 1.9560% | 5,034 |
| Loan and lease loss provision to assets | 0.0137% | 4,014 |
| Net operating income to assets | 0.6488% | 3,824 |
| Return on assets (ROA) | 0.6488% | 3,861 |
| Pretax return on assets | 0.8254% | 4,184 |
| Return on Equity (ROE) | 6.0924% | 3,726 |
| Retained earnings to average equity (ytd only) | 3.3818% | 3,261 |
| Net charge-offs to loans | -0.0847% | 5,335 |
| Credit loss provision to net charge-offs | -39.2157% | 4,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9779% | 2,550 |
| Assets per employee ($millions) | 8.5348% | 526 |
| Cash dividends to net income (ytd only)* | 44.4915% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 42.4606% | 5,050 |
| Net loans and leases to deposits | 72.8551% | 3,612 |
| Net loans and leases to core deposits | 84.6890% | 3,008 |
| Total domestic deposits to total assets | 58.2810% | 5,594 |
| Equity capital to assets | 10.7139% | 2,927 |
| Core capital (leverage) ratio | 10.8673% | 2,460 |
| Tier 1 risk-based capital ratio | 19.2698% | 1,455 |
| Total risk-based capital ratio | 20.5205% | 1,429 |
| Memoranda: | ||
| Average total assets | $145,502,200 | 3,532 |
| Average earning assets | $139,698,600 | 3,456 |
| Average equity | $15,494,800 | 3,656 |
| Average total loans | $60,233,800 | 4,201 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 4,669 |
| Cost of funding earning assets | 0.8412% | 470 |
| Net interest margin | 2.7145% | 5,309 |
| Noninterest income to average assets | 0.1685% | 5,176 |
| Noninterest expense to average assets | 1.9321% | 5,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6520% | 4,183 |
| Return on assets (ROA) | 0.6520% | 4,236 |
| Pretax return on assets | 0.8425% | 4,230 |
| Return on Equity (ROE) | 6.1316% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.5815% | 3,158 |
| Net charge-offs to loans | 0.0089% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 230.1388% | 380 |
| Efficiency ratio | 69.6370% | 2,594 |
| Assets per employee ($millions) | 8.0174% | 623 |
| Cash dividends to net income (ytd only)* | 25.2805% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 1,115 |
| Loan loss allowance to noncurrent loans | 4,395.6522% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 5,176 |
| Noncurrent loans to loans | 0.0377% | 4,952 |
| Net loans and leases to total assets | 41.5631% | 5,134 |
| Net loans and leases to deposits | 77.8580% | 3,182 |
| Net loans and leases to core deposits | 87.9397% | 2,776 |
| Total domestic deposits to total assets | 53.3833% | 5,680 |
| Equity capital to assets | 10.9734% | 2,885 |
| Core capital (leverage) ratio | 10.8569% | 2,590 |
| Tier 1 risk-based capital ratio | 18.9932% | 1,587 |
| Total risk-based capital ratio | 20.2222% | 1,555 |
| Memoranda: | ||
| Average total assets | $145,603,750 | 3,561 |
| Average earning assets | $139,790,250 | 3,485 |
| Average equity | $15,482,250 | 3,693 |
| Average total loans | $59,619,000 | 4,252 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 4,663 |
| Cost of funding earning assets | 0.8218% | 467 |
| Net interest margin | 2.7156% | 5,346 |
| Noninterest income to average assets | 0.2041% | 5,026 |
| Noninterest expense to average assets | 1.9269% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6820% | 3,924 |
| Return on assets (ROA) | 0.6820% | 3,992 |
| Pretax return on assets | 0.8792% | 3,997 |
| Return on Equity (ROE) | 6.4825% | 3,832 |
| Retained earnings to average equity (ytd only) | 4.9205% | 2,764 |
| Net charge-offs to loans | 0.0406% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 53.5000% | 1,024 |
| Efficiency ratio | 68.6676% | 2,898 |
| Assets per employee ($millions) | 8.1929% | 568 |
| Cash dividends to net income (ytd only)* | 24.0964% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6863% | 1,085 |
| Loan loss allowance to noncurrent loans | 35.0332% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.0939% | 591 |
| Noncurrent loans to loans | 4.8135% | 165 |
| Net loans and leases to total assets | 39.6513% | 5,236 |
| Net loans and leases to deposits | 74.6388% | 3,482 |
| Net loans and leases to core deposits | 84.1161% | 3,054 |
| Total domestic deposits to total assets | 53.1243% | 5,723 |
| Equity capital to assets | 10.6352% | 3,187 |
| Core capital (leverage) ratio | 10.6822% | 2,722 |
| Tier 1 risk-based capital ratio | 18.4118% | 1,743 |
| Total risk-based capital ratio | 19.6056% | 1,721 |
| Memoranda: | ||
| Average total assets | $146,034,000 | 3,569 |
| Average earning assets | $139,932,670 | 3,497 |
| Average equity | $15,364,330 | 3,715 |
| Average total loans | $59,161,330 | 4,285 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 4,624 |
| Cost of funding earning assets | 0.8327% | 405 |
| Net interest margin | 2.6921% | 5,404 |
| Noninterest income to average assets | 0.2120% | 4,998 |
| Noninterest expense to average assets | 1.9571% | 5,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6909% | 3,748 |
| Return on assets (ROA) | 0.6909% | 3,783 |
| Pretax return on assets | 0.8533% | 3,926 |
| Return on Equity (ROE) | 6.6033% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.0248% | 2,879 |
| Net charge-offs to loans | 0.0203% | 2,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 103.3333% | 519 |
| Efficiency ratio | 69.6376% | 2,949 |
| Assets per employee ($millions) | 8.0052% | 617 |
| Cash dividends to net income (ytd only)* | 23.9044% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 1,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 4,596 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 39.6123% | 5,260 |
| Net loans and leases to deposits | 67.0083% | 4,089 |
| Net loans and leases to core deposits | 80.3160% | 3,259 |
| Total domestic deposits to total assets | 59.1156% | 5,775 |
| Equity capital to assets | 10.6396% | 3,024 |
| Core capital (leverage) ratio | 10.4986% | 2,901 |
| Tier 1 risk-based capital ratio | 19.1155% | 1,584 |
| Total risk-based capital ratio | 20.3650% | 1,549 |
| Memoranda: | ||
| Average total assets | $145,314,500 | 3,611 |
| Average earning assets | $140,261,500 | 3,523 |
| Average equity | $15,204,500 | 3,756 |
| Average total loans | $59,003,000 | 4,324 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 4,682 |
| Cost of funding earning assets | 1.1269% | 82 |
| Net interest margin | 2.4077% | 5,641 |
| Noninterest income to average assets | 0.1691% | 5,377 |
| Noninterest expense to average assets | 1.9459% | 5,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4235% | 4,866 |
| Return on assets (ROA) | 0.4786% | 4,790 |
| Pretax return on assets | 0.6227% | 4,730 |
| Return on Equity (ROE) | 4.3040% | 4,733 |
| Retained earnings to average equity (ytd only) | 1.3012% | 4,762 |
| Net charge-offs to loans | 0.0315% | 3,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,100 |
| Efficiency ratio | 77.9326% | 1,703 |
| Assets per employee ($millions) | 8.1408% | 572 |
| Cash dividends to net income (ytd only)* | 69.7674% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 1,146 |
| Loan loss allowance to noncurrent loans | 1,025.2525% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 5,043 |
| Noncurrent loans to loans | 0.1652% | 4,571 |
| Net loans and leases to total assets | 40.1952% | 5,305 |
| Net loans and leases to deposits | 76.0687% | 3,308 |
| Net loans and leases to core deposits | 83.3050% | 3,096 |
| Total domestic deposits to total assets | 52.8406% | 5,859 |
| Equity capital to assets | 10.2897% | 3,398 |
| Core capital (leverage) ratio | 10.5530% | 2,826 |
| Tier 1 risk-based capital ratio | 17.9617% | 1,853 |
| Total risk-based capital ratio | 19.1698% | 1,832 |
| Memoranda: | ||
| Average total assets | $143,738,200 | 3,612 |
| Average earning assets | $138,970,600 | 3,509 |
| Average equity | $15,985,000 | 3,690 |
| Average total loans | $57,139,000 | 4,374 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 4,630 |
| Cost of funding earning assets | 1.1572% | 65 |
| Net interest margin | 2.4147% | 5,713 |
| Noninterest income to average assets | 0.1538% | 5,503 |
| Noninterest expense to average assets | 1.9929% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4069% | 4,997 |
| Return on assets (ROA) | 0.4856% | 4,838 |
| Pretax return on assets | 0.5928% | 4,895 |
| Return on Equity (ROE) | 4.2849% | 4,799 |
| Retained earnings to average equity (ytd only) | 2.8045% | 4,211 |
| Net charge-offs to loans | 0.1890% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 6.6628% | 2,976 |
| Efficiency ratio | 80.0449% | 1,435 |
| Assets per employee ($millions) | 7.6084% | 693 |
| Cash dividends to net income (ytd only)* | 34.5483% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 1,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,530 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 39.5285% | 5,403 |
| Net loans and leases to deposits | 73.0838% | 3,691 |
| Net loans and leases to core deposits | 87.6048% | 2,800 |
| Total domestic deposits to total assets | 54.0866% | 5,919 |
| Equity capital to assets | 11.4825% | 2,526 |
| Core capital (leverage) ratio | 10.6708% | 2,810 |
| Tier 1 risk-based capital ratio | 19.6746% | 1,507 |
| Total risk-based capital ratio | 20.9061% | 1,476 |
| Memoranda: | ||
| Average total assets | $143,039,000 | 3,633 |
| Average earning assets | $138,372,000 | 3,538 |
| Average equity | $16,211,750 | 3,696 |
| Average total loans | $56,445,000 | 4,431 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 4,601 |
| Cost of funding earning assets | 1.1788% | 57 |
| Net interest margin | 2.4171% | 5,800 |
| Noninterest income to average assets | 0.1473% | 5,570 |
| Noninterest expense to average assets | 2.0192% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3657% | 5,135 |
| Return on assets (ROA) | 0.4799% | 4,864 |
| Pretax return on assets | 0.6090% | 4,860 |
| Return on Equity (ROE) | 4.2530% | 4,817 |
| Retained earnings to average equity (ytd only) | 2.7607% | 4,141 |
| Net charge-offs to loans | 0.0608% | 2,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 19.4706% | 1,774 |
| Efficiency ratio | 81.2994% | 1,352 |
| Assets per employee ($millions) | 6.8733% | 918 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 1,015 |
| Loan loss allowance to noncurrent loans | 498.0392% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 4,633 |
| Noncurrent loans to loans | 0.3687% | 4,040 |
| Net loans and leases to total assets | 37.6336% | 5,532 |
| Net loans and leases to deposits | 69.0076% | 4,086 |
| Net loans and leases to core deposits | 81.9269% | 3,277 |
| Total domestic deposits to total assets | 54.5355% | 5,998 |
| Equity capital to assets | 11.5305% | 2,514 |
| Core capital (leverage) ratio | 10.6630% | 2,778 |
| Tier 1 risk-based capital ratio | 19.8672% | 1,487 |
| Total risk-based capital ratio | 21.1179% | 1,447 |
| Memoranda: | ||
| Average total assets | $142,532,330 | 3,664 |
| Average earning assets | $137,766,330 | 3,568 |
| Average equity | $16,082,670 | 3,718 |
| Average total loans | $55,895,000 | 4,473 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 4,476 |
| Cost of funding earning assets | 1.1842% | 60 |
| Net interest margin | 2.4650% | 5,835 |
| Noninterest income to average assets | 0.2090% | 5,235 |
| Noninterest expense to average assets | 2.0278% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3832% | 5,046 |
| Return on assets (ROA) | 0.5253% | 4,631 |
| Pretax return on assets | 0.7710% | 4,297 |
| Return on Equity (ROE) | 4.7081% | 4,622 |
| Retained earnings to average equity (ytd only) | 3.1894% | 3,911 |
| Net charge-offs to loans | 0.2207% | 921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.4194% | 2,246 |
| Efficiency ratio | 78.2988% | 1,851 |
| Assets per employee ($millions) | 6.7855% | 968 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8056% | 1,141 |
| Loan loss allowance to noncurrent loans | 747.7612% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 4,530 |
| Noncurrent loans to loans | 0.2415% | 4,564 |
| Net loans and leases to total assets | 38.2411% | 5,545 |
| Net loans and leases to deposits | 66.9641% | 4,159 |
| Net loans and leases to core deposits | 77.8802% | 3,501 |
| Total domestic deposits to total assets | 57.1069% | 6,054 |
| Equity capital to assets | 11.3329% | 2,590 |
| Core capital (leverage) ratio | 10.7437% | 2,679 |
| Tier 1 risk-based capital ratio | 19.3358% | 1,649 |
| Total risk-based capital ratio | 20.5854% | 1,615 |
| Memoranda: | ||
| Average total assets | $141,629,000 | 3,710 |
| Average earning assets | $136,796,500 | 3,600 |
| Average equity | $15,802,500 | 3,761 |
| Average total loans | $56,174,500 | 4,495 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,085 |
| Cost of funding earning assets | 1.1912% | 58 |
| Net interest margin | 2.5953% | 5,758 |
| Noninterest income to average assets | 0.1760% | 5,531 |
| Noninterest expense to average assets | 2.1129% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4605% | 4,844 |
| Return on assets (ROA) | 0.4694% | 4,895 |
| Pretax return on assets | 0.5722% | 4,930 |
| Return on Equity (ROE) | 4.0816% | 4,904 |
| Retained earnings to average equity (ytd only) | -0.4535% | 5,582 |
| Net charge-offs to loans | -0.0324% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0087% | 1,816 |
| Assets per employee ($millions) | 7.0381% | 876 |
| Cash dividends to net income (ytd only)* | 111.1111% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 1,103 |
| Loan loss allowance to noncurrent loans | 508.8670% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 4,348 |
| Noncurrent loans to loans | 0.3570% | 4,174 |
| Net loans and leases to total assets | 39.6570% | 5,535 |
| Net loans and leases to deposits | 68.7853% | 4,051 |
| Net loans and leases to core deposits | 79.1756% | 3,425 |
| Total domestic deposits to total assets | 57.6533% | 6,111 |
| Equity capital to assets | 10.9802% | 2,845 |
| Core capital (leverage) ratio | 10.7719% | 2,630 |
| Tier 1 risk-based capital ratio | 17.9114% | 1,990 |
| Total risk-based capital ratio | 19.1545% | 1,946 |
| Memoranda: | ||
| Average total assets | $138,059,800 | 3,750 |
| Average earning assets | $132,891,600 | 3,649 |
| Average equity | $15,876,200 | 3,695 |
| Average total loans | $55,563,200 | 4,515 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 4,081 |
| Cost of funding earning assets | 1.1950% | 60 |
| Net interest margin | 2.6069% | 5,830 |
| Noninterest income to average assets | 0.1533% | 5,719 |
| Noninterest expense to average assets | 2.1060% | 5,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4785% | 4,860 |
| Return on assets (ROA) | 0.4911% | 4,912 |
| Pretax return on assets | 0.5706% | 5,046 |
| Return on Equity (ROE) | 4.2215% | 4,946 |
| Retained earnings to average equity (ytd only) | 2.7198% | 4,482 |
| Net charge-offs to loans | -0.0241% | 5,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1105% | 1,789 |
| Assets per employee ($millions) | 7.2746% | 767 |
| Cash dividends to net income (ytd only)* | 35.5725% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7739% | 1,315 |
| Loan loss allowance to noncurrent loans | 219.9571% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 3,797 |
| Noncurrent loans to loans | 0.8065% | 2,952 |
| Net loans and leases to total assets | 41.0627% | 5,535 |
| Net loans and leases to deposits | 72.1142% | 3,754 |
| Net loans and leases to core deposits | 83.7220% | 3,077 |
| Total domestic deposits to total assets | 56.9412% | 6,197 |
| Equity capital to assets | 11.7474% | 2,307 |
| Core capital (leverage) ratio | 11.0493% | 2,438 |
| Tier 1 risk-based capital ratio | 21.2445% | 1,302 |
| Total risk-based capital ratio | 22.4956% | 1,283 |
| Memoranda: | ||
| Average total assets | $137,384,250 | 3,798 |
| Average earning assets | $132,210,500 | 3,690 |
| Average equity | $15,981,250 | 3,714 |
| Average total loans | $55,240,250 | 4,568 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7869% | 4,107 |
| Cost of funding earning assets | 1.1945% | 60 |
| Net interest margin | 2.5924% | 5,891 |
| Noninterest income to average assets | 0.1123% | 5,980 |
| Noninterest expense to average assets | 2.0947% | 5,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4538% | 4,962 |
| Return on assets (ROA) | 0.4551% | 5,057 |
| Pretax return on assets | 0.5106% | 5,197 |
| Return on Equity (ROE) | 3.9255% | 5,043 |
| Retained earnings to average equity (ytd only) | 2.4157% | 4,515 |
| Net charge-offs to loans | -0.0147% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4482% | 1,696 |
| Assets per employee ($millions) | 6.8126% | 919 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 1,249 |
| Loan loss allowance to noncurrent loans | 712.5874% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 4,764 |
| Noncurrent loans to loans | 0.2609% | 4,739 |
| Net loans and leases to total assets | 39.4823% | 5,659 |
| Net loans and leases to deposits | 68.4859% | 4,086 |
| Net loans and leases to core deposits | 79.9046% | 3,395 |
| Total domestic deposits to total assets | 57.6502% | 6,266 |
| Equity capital to assets | 11.5030% | 2,410 |
| Core capital (leverage) ratio | 11.2876% | 2,174 |
| Tier 1 risk-based capital ratio | 21.5088% | 1,281 |
| Total risk-based capital ratio | 22.7612% | 1,266 |
| Memoranda: | ||
| Average total assets | $137,106,330 | 3,833 |
| Average earning assets | $131,768,670 | 3,727 |
| Average equity | $15,896,000 | 3,738 |
| Average total loans | $54,393,330 | 4,633 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 3,987 |
| Cost of funding earning assets | 1.1902% | 64 |
| Net interest margin | 2.6165% | 5,902 |
| Noninterest income to average assets | 0.2152% | 5,412 |
| Noninterest expense to average assets | 2.1842% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4744% | 4,781 |
| Return on assets (ROA) | 0.4770% | 4,891 |
| Pretax return on assets | 0.5468% | 5,054 |
| Return on Equity (ROE) | 4.0981% | 4,945 |
| Retained earnings to average equity (ytd only) | 2.5988% | 4,381 |
| Net charge-offs to loans | -0.0812% | 5,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0640% | 1,894 |
| Assets per employee ($millions) | 6.7900% | 944 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8899% | 1,307 |
| Loan loss allowance to noncurrent loans | 657.6923% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 4,216 |
| Noncurrent loans to loans | 0.2874% | 4,743 |
| Net loans and leases to total assets | 39.2219% | 5,643 |
| Net loans and leases to deposits | 65.6911% | 4,184 |
| Net loans and leases to core deposits | 75.9500% | 3,604 |
| Total domestic deposits to total assets | 59.7066% | 6,327 |
| Equity capital to assets | 11.8970% | 2,110 |
| Core capital (leverage) ratio | 11.1319% | 2,285 |
| Tier 1 risk-based capital ratio | 21.5005% | 1,325 |
| Total risk-based capital ratio | 22.7525% | 1,298 |
| Memoranda: | ||
| Average total assets | $137,534,000 | 3,848 |
| Average earning assets | $132,083,000 | 3,748 |
| Average equity | $16,007,500 | 3,748 |
| Average total loans | $54,183,000 | 4,667 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 4,021 |
| Cost of funding earning assets | 1.2272% | 75 |
| Net interest margin | 2.7028% | 5,933 |
| Noninterest income to average assets | 0.3012% | 4,962 |
| Noninterest expense to average assets | 2.0451% | 5,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6386% | 4,196 |
| Return on assets (ROA) | 0.6386% | 4,298 |
| Pretax return on assets | 0.8337% | 4,136 |
| Return on Equity (ROE) | 5.9299% | 4,183 |
| Retained earnings to average equity (ytd only) | 1.2017% | 5,242 |
| Net charge-offs to loans | 0.3167% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.0599% | 3,094 |
| Efficiency ratio | 71.0391% | 3,365 |
| Assets per employee ($millions) | 6.9635% | 862 |
| Cash dividends to net income (ytd only)* | 79.7342% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 1,368 |
| Loan loss allowance to noncurrent loans | 412.6016% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 4,102 |
| Noncurrent loans to loans | 0.4549% | 4,286 |
| Net loans and leases to total assets | 38.1004% | 5,842 |
| Net loans and leases to deposits | 64.2592% | 4,501 |
| Net loans and leases to core deposits | 73.5420% | 3,957 |
| Total domestic deposits to total assets | 59.2917% | 6,409 |
| Equity capital to assets | 11.3873% | 2,523 |
| Core capital (leverage) ratio | 10.9549% | 2,445 |
| Tier 1 risk-based capital ratio | 22.4352% | 1,157 |
| Total risk-based capital ratio | 23.6878% | 1,143 |
| Memoranda: | ||
| Average total assets | $141,410,800 | 3,771 |
| Average earning assets | $134,862,400 | 3,678 |
| Average equity | $15,227,800 | 3,792 |
| Average total loans | $52,736,200 | 4,739 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 3,954 |
| Cost of funding earning assets | 1.2248% | 77 |
| Net interest margin | 2.7277% | 5,974 |
| Noninterest income to average assets | 0.3259% | 4,826 |
| Noninterest expense to average assets | 1.9913% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7073% | 3,905 |
| Return on assets (ROA) | 0.7073% | 4,008 |
| Pretax return on assets | 0.9327% | 3,845 |
| Return on Equity (ROE) | 6.6620% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.0695% | 3,039 |
| Net charge-offs to loans | 0.1323% | 2,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 19.0966% | 1,804 |
| Efficiency ratio | 68.1015% | 3,838 |
| Assets per employee ($millions) | 7.2047% | 736 |
| Cash dividends to net income (ytd only)* | 23.9041% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1296% | 1,048 |
| Loan loss allowance to noncurrent loans | 268.4086% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 3,715 |
| Noncurrent loans to loans | 0.7934% | 3,601 |
| Net loans and leases to total assets | 37.9373% | 5,948 |
| Net loans and leases to deposits | 65.8935% | 4,338 |
| Net loans and leases to core deposits | 75.9317% | 3,749 |
| Total domestic deposits to total assets | 57.5737% | 6,506 |
| Equity capital to assets | 11.5269% | 2,456 |
| Core capital (leverage) ratio | 11.0145% | 2,469 |
| Tier 1 risk-based capital ratio | 23.2610% | 1,083 |
| Total risk-based capital ratio | 24.5161% | 1,067 |
| Memoranda: | ||
| Average total assets | $141,946,250 | 3,788 |
| Average earning assets | $135,200,250 | 3,702 |
| Average equity | $15,070,000 | 3,843 |
| Average total loans | $52,401,000 | 4,783 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 4,036 |
| Cost of funding earning assets | 1.2072% | 89 |
| Net interest margin | 2.7181% | 6,030 |
| Noninterest income to average assets | 0.2172% | 5,649 |
| Noninterest expense to average assets | 1.9230% | 5,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6712% | 3,986 |
| Return on assets (ROA) | 0.6712% | 4,083 |
| Pretax return on assets | 0.8745% | 3,981 |
| Return on Equity (ROE) | 6.4987% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.8808% | 3,031 |
| Net charge-offs to loans | -0.1265% | 6,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7407% | 3,873 |
| Assets per employee ($millions) | 7.4717% | 641 |
| Cash dividends to net income (ytd only)* | 24.8963% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2676% | 936 |
| Loan loss allowance to noncurrent loans | 386.9427% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 1.1334% | 2,807 |
| Noncurrent loans to loans | 0.5860% | 4,268 |
| Net loans and leases to total assets | 36.8878% | 6,010 |
| Net loans and leases to deposits | 62.1648% | 4,674 |
| Net loans and leases to core deposits | 70.9349% | 4,157 |
| Total domestic deposits to total assets | 59.3387% | 6,563 |
| Equity capital to assets | 11.0937% | 2,795 |
| Core capital (leverage) ratio | 10.6355% | 2,779 |
| Tier 1 risk-based capital ratio | 22.3963% | 1,207 |
| Total risk-based capital ratio | 23.6541% | 1,180 |
| Memoranda: | ||
| Average total assets | $143,632,000 | 3,786 |
| Average earning assets | $136,347,330 | 3,706 |
| Average equity | $14,833,670 | 3,888 |
| Average total loans | $52,180,670 | 4,824 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 4,278 |
| Cost of funding earning assets | 1.1880% | 101 |
| Net interest margin | 2.6657% | 6,149 |
| Noninterest income to average assets | 0.1910% | 5,816 |
| Noninterest expense to average assets | 1.9022% | 6,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6341% | 4,031 |
| Return on assets (ROA) | 0.6341% | 4,118 |
| Pretax return on assets | 0.8113% | 4,068 |
| Return on Equity (ROE) | 6.3717% | 3,820 |
| Retained earnings to average equity (ytd only) | 4.7023% | 3,292 |
| Net charge-offs to loans | -0.1010% | 6,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1020% | 3,823 |
| Assets per employee ($millions) | 7.7531% | 549 |
| Cash dividends to net income (ytd only)* | 26.2009% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2860% | 1,051 |
| Loan loss allowance to noncurrent loans | 174.1983% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 2,604 |
| Noncurrent loans to loans | 1.3123% | 2,837 |
| Net loans and leases to total assets | 34.6747% | 6,143 |
| Net loans and leases to deposits | 54.2142% | 5,266 |
| Net loans and leases to core deposits | 60.9491% | 4,960 |
| Total domestic deposits to total assets | 63.9588% | 6,586 |
| Equity capital to assets | 10.0775% | 3,749 |
| Core capital (leverage) ratio | 10.6661% | 2,746 |
| Tier 1 risk-based capital ratio | 21.9096% | 1,302 |
| Total risk-based capital ratio | 23.1663% | 1,275 |
| Memoranda: | ||
| Average total assets | $144,466,500 | 3,795 |
| Average earning assets | $136,700,500 | 3,719 |
| Average equity | $14,376,000 | 3,975 |
| Average total loans | $51,480,000 | 4,884 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 4,189 |
| Cost of funding earning assets | 1.2924% | 114 |
| Net interest margin | 2.6792% | 6,167 |
| Noninterest income to average assets | 0.2171% | 5,782 |
| Noninterest expense to average assets | 1.9743% | 6,070 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6138% | 4,199 |
| Return on assets (ROA) | 0.6138% | 4,316 |
| Pretax return on assets | 0.7819% | 4,213 |
| Return on Equity (ROE) | 5.6054% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.1144% | 4,735 |
| Net charge-offs to loans | 0.2070% | 2,805 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.6275% | 2,338 |
| Efficiency ratio | 71.6305% | 3,549 |
| Assets per employee ($millions) | 7.4539% | 615 |
| Cash dividends to net income (ytd only)* | 62.2797% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3320% | 1,006 |
| Loan loss allowance to noncurrent loans | 114.8688% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.6530% | 2,235 |
| Noncurrent loans to loans | 2.0301% | 1,958 |
| Net loans and leases to total assets | 34.9545% | 6,245 |
| Net loans and leases to deposits | 54.9190% | 5,390 |
| Net loans and leases to core deposits | 63.3262% | 4,938 |
| Total domestic deposits to total assets | 63.6474% | 6,675 |
| Equity capital to assets | 9.8197% | 4,004 |
| Core capital (leverage) ratio | 10.7944% | 2,581 |
| Tier 1 risk-based capital ratio | 22.4306% | 1,186 |
| Total risk-based capital ratio | 23.6878% | 1,165 |
| Memoranda: | ||
| Average total assets | $138,634,800 | 3,909 |
| Average earning assets | $131,381,400 | 3,817 |
| Average equity | $15,181,800 | 3,835 |
| Average total loans | $49,270,000 | 4,993 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 4,158 |
| Cost of funding earning assets | 1.3014% | 119 |
| Net interest margin | 2.6905% | 6,192 |
| Noninterest income to average assets | 0.2205% | 5,847 |
| Noninterest expense to average assets | 1.9784% | 6,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6401% | 4,177 |
| Return on assets (ROA) | 0.6401% | 4,289 |
| Pretax return on assets | 0.7948% | 4,314 |
| Return on Equity (ROE) | 5.6943% | 4,350 |
| Retained earnings to average equity (ytd only) | 3.7159% | 4,051 |
| Net charge-offs to loans | -0.0245% | 6,111 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3389% | 3,546 |
| Assets per employee ($millions) | 7.1029% | 707 |
| Cash dividends to net income (ytd only)* | 34.7435% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6282% | 814 |
| Loan loss allowance to noncurrent loans | 69.3298% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.7917% | 2,286 |
| Noncurrent loans to loans | 3.7908% | 960 |
| Net loans and leases to total assets | 35.4968% | 6,302 |
| Net loans and leases to deposits | 61.2972% | 4,831 |
| Net loans and leases to core deposits | 73.4863% | 3,907 |
| Total domestic deposits to total assets | 57.9092% | 6,800 |
| Equity capital to assets | 10.9999% | 2,755 |
| Core capital (leverage) ratio | 10.9779% | 2,507 |
| Tier 1 risk-based capital ratio | 23.9805% | 1,006 |
| Total risk-based capital ratio | 25.2405% | 990 |
| Memoranda: | ||
| Average total assets | $137,887,500 | 3,951 |
| Average earning assets | $130,825,250 | 3,868 |
| Average equity | $15,500,500 | 3,827 |
| Average total loans | $48,916,000 | 5,047 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 4,249 |
| Cost of funding earning assets | 1.2919% | 147 |
| Net interest margin | 2.6716% | 6,227 |
| Noninterest income to average assets | 0.2175% | 5,881 |
| Noninterest expense to average assets | 1.9688% | 6,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6409% | 4,103 |
| Return on assets (ROA) | 0.6409% | 4,248 |
| Pretax return on assets | 0.7893% | 4,350 |
| Return on Equity (ROE) | 5.6619% | 4,365 |
| Retained earnings to average equity (ytd only) | 3.4990% | 4,091 |
| Net charge-offs to loans | 0.0451% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 49.8182% | 804 |
| Efficiency ratio | 71.3838% | 3,581 |
| Assets per employee ($millions) | 7.1801% | 670 |
| Cash dividends to net income (ytd only)* | 38.2022% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5172% | 966 |
| Loan loss allowance to noncurrent loans | 68.1113% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.7747% | 2,452 |
| Noncurrent loans to loans | 3.6956% | 1,106 |
| Net loans and leases to total assets | 36.1381% | 6,292 |
| Net loans and leases to deposits | 64.0509% | 4,494 |
| Net loans and leases to core deposits | 75.1845% | 3,648 |
| Total domestic deposits to total assets | 56.4209% | 6,856 |
| Equity capital to assets | 10.7432% | 3,008 |
| Core capital (leverage) ratio | 10.7789% | 2,587 |
| Tier 1 risk-based capital ratio | 23.1515% | 1,104 |
| Total risk-based capital ratio | 24.4108% | 1,091 |
| Memoranda: | ||
| Average total assets | $138,864,670 | 3,973 |
| Average earning assets | $132,055,670 | 3,867 |
| Average equity | $15,719,000 | 3,817 |
| Average total loans | $48,822,000 | 5,073 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 4,291 |
| Cost of funding earning assets | 1.2944% | 161 |
| Net interest margin | 2.6578% | 6,287 |
| Noninterest income to average assets | 0.2199% | 5,907 |
| Noninterest expense to average assets | 1.9902% | 6,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6139% | 4,147 |
| Return on assets (ROA) | 0.6139% | 4,306 |
| Pretax return on assets | 0.7567% | 4,345 |
| Return on Equity (ROE) | 5.2921% | 4,406 |
| Retained earnings to average equity (ytd only) | 3.8153% | 3,944 |
| Net charge-offs to loans | -0.1001% | 6,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4532% | 3,529 |
| Assets per employee ($millions) | 7.2937% | 672 |
| Cash dividends to net income (ytd only)* | 27.9070% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6196% | 992 |
| Loan loss allowance to noncurrent loans | 65.7534% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.7542% | 2,662 |
| Noncurrent loans to loans | 3.9840% | 1,137 |
| Net loans and leases to total assets | 34.7645% | 6,375 |
| Net loans and leases to deposits | 60.5383% | 4,730 |
| Net loans and leases to core deposits | 70.6501% | 3,985 |
| Total domestic deposits to total assets | 57.4256% | 6,930 |
| Equity capital to assets | 11.6416% | 2,301 |
| Core capital (leverage) ratio | 10.6662% | 2,577 |
| Tier 1 risk-based capital ratio | 23.4117% | 1,092 |
| Total risk-based capital ratio | 24.6714% | 1,075 |
| Memoranda: | ||
| Average total assets | $140,086,500 | 3,983 |
| Average earning assets | $133,192,500 | 3,877 |
| Average equity | $16,250,500 | 3,779 |
| Average total loans | $47,946,500 | 5,133 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 3,731 |
| Cost of funding earning assets | 1.4125% | 243 |
| Net interest margin | 3.0081% | 6,037 |
| Noninterest income to average assets | 0.2223% | 5,850 |
| Noninterest expense to average assets | 2.0010% | 6,321 |
| Loan and lease loss provision to assets | 0.0434% | 5,308 |
| Net operating income to assets | 0.7679% | 3,430 |
| Return on assets (ROA) | 0.7819% | 3,611 |
| Pretax return on assets | 1.0505% | 3,355 |
| Return on Equity (ROE) | 6.5107% | 3,907 |
| Retained earnings to average equity (ytd only) | 2.5319% | 4,442 |
| Net charge-offs to loans | 0.3451% | 2,908 |
| Credit loss provision to net charge-offs | 37.2671% | 4,984 |
| Earnings coverage of net charge-offs (x) | 9.2236% | 2,288 |
| Efficiency ratio | 65.0506% | 4,692 |
| Assets per employee ($millions) | 7.4522% | 636 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7660% | 858 |
| Loan loss allowance to noncurrent loans | 44.1844% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 2.3773% | 2,063 |
| Noncurrent loans to loans | 6.2602% | 554 |
| Net loans and leases to total assets | 31.8775% | 6,633 |
| Net loans and leases to deposits | 57.4791% | 5,298 |
| Net loans and leases to core deposits | 67.4981% | 4,592 |
| Total domestic deposits to total assets | 55.4593% | 7,000 |
| Equity capital to assets | 11.5600% | 2,389 |
| Core capital (leverage) ratio | 10.5721% | 2,682 |
| Tier 1 risk-based capital ratio | 23.9173% | 981 |
| Total risk-based capital ratio | 25.1783% | 963 |
| Memoranda: | ||
| Average total assets | $138,130,600 | 3,989 |
| Average earning assets | $131,046,400 | 3,873 |
| Average equity | $16,588,200 | 3,688 |
| Average total loans | $46,651,400 | 5,222 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 3,527 |
| Cost of funding earning assets | 1.4331% | 261 |
| Net interest margin | 3.0945% | 5,954 |
| Noninterest income to average assets | 0.2273% | 5,927 |
| Noninterest expense to average assets | 1.9903% | 6,366 |
| Loan and lease loss provision to assets | 0.0583% | 5,002 |
| Net operating income to assets | 0.8121% | 3,391 |
| Return on assets (ROA) | 0.8305% | 3,546 |
| Pretax return on assets | 1.1403% | 3,195 |
| Return on Equity (ROE) | 6.8494% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.9268% | 3,416 |
| Net charge-offs to loans | 0.4910% | 2,143 |
| Credit loss provision to net charge-offs | 34.8837% | 4,716 |
| Earnings coverage of net charge-offs (x) | 7.0232% | 2,674 |
| Efficiency ratio | 62.9107% | 4,993 |
| Assets per employee ($millions) | 7.3105% | 635 |
| Cash dividends to net income (ytd only)* | 28.0700% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8508% | 846 |
| Loan loss allowance to noncurrent loans | 125.0491% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 4,037 |
| Noncurrent loans to loans | 2.2798% | 2,530 |
| Net loans and leases to total assets | 31.2320% | 6,769 |
| Net loans and leases to deposits | 57.8228% | 5,444 |
| Net loans and leases to core deposits | 70.1254% | 4,487 |
| Total domestic deposits to total assets | 54.0133% | 7,099 |
| Equity capital to assets | 12.3025% | 2,037 |
| Core capital (leverage) ratio | 10.8996% | 2,489 |
| Tier 1 risk-based capital ratio | 24.8279% | 924 |
| Total risk-based capital ratio | 26.0891% | 919 |
| Memoranda: | ||
| Average total assets | $137,265,250 | 4,038 |
| Average earning assets | $130,248,500 | 3,931 |
| Average equity | $16,643,250 | 3,712 |
| Average total loans | $46,709,250 | 5,283 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6266% | 3,246 |
| Cost of funding earning assets | 1.4447% | 293 |
| Net interest margin | 3.1820% | 5,794 |
| Noninterest income to average assets | 0.2355% | 5,883 |
| Noninterest expense to average assets | 2.0392% | 6,353 |
| Loan and lease loss provision to assets | 0.0878% | 4,487 |
| Net operating income to assets | 0.8192% | 3,305 |
| Return on assets (ROA) | 0.8192% | 3,563 |
| Pretax return on assets | 1.1308% | 3,190 |
| Return on Equity (ROE) | 6.7899% | 3,895 |
| Retained earnings to average equity (ytd only) | 4.6075% | 3,545 |
| Net charge-offs to loans | 1.4685% | 683 |
| Credit loss provision to net charge-offs | 17.2414% | 4,653 |
| Earnings coverage of net charge-offs (x) | 2.3937% | 3,803 |
| Efficiency ratio | 62.5954% | 5,147 |
| Assets per employee ($millions) | 6.8489% | 785 |
| Cash dividends to net income (ytd only)* | 32.1429% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3651% | 1,470 |
| Loan loss allowance to noncurrent loans | 116.8264% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.0243% | 4,333 |
| Noncurrent loans to loans | 2.0245% | 2,922 |
| Net loans and leases to total assets | 33.0601% | 6,765 |
| Net loans and leases to deposits | 58.9833% | 5,345 |
| Net loans and leases to core deposits | 71.7693% | 4,322 |
| Total domestic deposits to total assets | 56.0499% | 7,162 |
| Equity capital to assets | 12.1311% | 2,044 |
| Core capital (leverage) ratio | 10.7622% | 2,526 |
| Tier 1 risk-based capital ratio | 24.2223% | 989 |
| Total risk-based capital ratio | 25.4794% | 973 |
| Memoranda: | ||
| Average total assets | $136,720,670 | 4,060 |
| Average earning assets | $129,857,330 | 3,966 |
| Average equity | $16,495,000 | 3,729 |
| Average total loans | $47,394,330 | 5,290 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 2,831 |
| Cost of funding earning assets | 1.4564% | 340 |
| Net interest margin | 3.2984% | 5,485 |
| Noninterest income to average assets | 0.2548% | 5,820 |
| Noninterest expense to average assets | 2.0850% | 6,299 |
| Loan and lease loss provision to assets | 0.0879% | 4,273 |
| Net operating income to assets | 0.8697% | 3,054 |
| Return on assets (ROA) | 0.8697% | 3,282 |
| Pretax return on assets | 1.2124% | 2,873 |
| Return on Equity (ROE) | 7.2289% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.3081% | 4,004 |
| Net charge-offs to loans | 2.9394% | 248 |
| Credit loss provision to net charge-offs | 8.5227% | 3,922 |
| Earnings coverage of net charge-offs (x) | 1.2614% | 3,704 |
| Efficiency ratio | 61.5917% | 5,355 |
| Assets per employee ($millions) | 6.8323% | 824 |
| Cash dividends to net income (ytd only)* | 40.4040% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 1,716 |
| Loan loss allowance to noncurrent loans | 112.0126% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 4,407 |
| Noncurrent loans to loans | 2.0343% | 3,108 |
| Net loans and leases to total assets | 33.3624% | 6,768 |
| Net loans and leases to deposits | 59.0358% | 5,275 |
| Net loans and leases to core deposits | 69.5692% | 4,487 |
| Total domestic deposits to total assets | 56.5121% | 7,220 |
| Equity capital to assets | 12.0334% | 2,013 |
| Core capital (leverage) ratio | 10.6590% | 2,592 |
| Tier 1 risk-based capital ratio | 23.7054% | 1,040 |
| Total risk-based capital ratio | 24.9616% | 1,025 |
| Memoranda: | ||
| Average total assets | $136,592,000 | 4,099 |
| Average earning assets | $129,638,500 | 3,995 |
| Average equity | $16,434,000 | 3,742 |
| Average total loans | $47,900,500 | 5,307 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 3,200 |
| Cost of funding earning assets | 1.6052% | 469 |
| Net interest margin | 3.3262% | 5,736 |
| Noninterest income to average assets | 0.1993% | 6,077 |
| Noninterest expense to average assets | 1.9288% | 6,793 |
| Loan and lease loss provision to assets | 0.1455% | 4,793 |
| Net operating income to assets | 0.9573% | 2,377 |
| Return on assets (ROA) | 1.0582% | 2,112 |
| Pretax return on assets | 1.4124% | 1,742 |
| Return on Equity (ROE) | 9.6117% | 2,204 |
| Retained earnings to average equity (ytd only) | 6.7381% | 1,620 |
| Net charge-offs to loans | -0.0080% | 6,870 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5396% | 6,109 |
| Assets per employee ($millions) | 6.5019% | 958 |
| Cash dividends to net income (ytd only)* | 29.8969% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8179% | 958 |
| Loan loss allowance to noncurrent loans | 149.7297% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 4,557 |
| Noncurrent loans to loans | 1.8820% | 3,363 |
| Net loans and leases to total assets | 34.9827% | 6,818 |
| Net loans and leases to deposits | 59.4336% | 5,554 |
| Net loans and leases to core deposits | 73.2255% | 4,347 |
| Total domestic deposits to total assets | 58.8601% | 7,242 |
| Equity capital to assets | 12.0295% | 2,101 |
| Core capital (leverage) ratio | 10.5012% | 2,728 |
| Tier 1 risk-based capital ratio | 22.5439% | 1,157 |
| Total risk-based capital ratio | 23.8099% | 1,132 |
| Memoranda: | ||
| Average total assets | $137,493,200 | 4,023 |
| Average earning assets | $130,327,000 | 3,924 |
| Average equity | $15,137,800 | 3,879 |
| Average total loans | $49,866,000 | 5,271 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 3,412 |
| Cost of funding earning assets | 1.6430% | 490 |
| Net interest margin | 3.2900% | 5,887 |
| Noninterest income to average assets | 0.1781% | 6,315 |
| Noninterest expense to average assets | 1.8732% | 6,886 |
| Loan and lease loss provision to assets | 0.0968% | 5,248 |
| Net operating income to assets | 0.9279% | 2,634 |
| Return on assets (ROA) | 1.0532% | 2,268 |
| Pretax return on assets | 1.5063% | 1,640 |
| Return on Equity (ROE) | 9.7910% | 2,277 |
| Retained earnings to average equity (ytd only) | 6.4163% | 2,282 |
| Net charge-offs to loans | -0.0027% | 6,676 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8115% | 6,169 |
| Assets per employee ($millions) | 6.8970% | 782 |
| Cash dividends to net income (ytd only)* | 34.4671% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6029% | 1,260 |
| Loan loss allowance to noncurrent loans | 244.6565% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 5,342 |
| Noncurrent loans to loans | 1.0639% | 4,787 |
| Net loans and leases to total assets | 34.7760% | 6,921 |
| Net loans and leases to deposits | 61.0826% | 5,509 |
| Net loans and leases to core deposits | 78.7956% | 3,793 |
| Total domestic deposits to total assets | 56.9327% | 7,329 |
| Equity capital to assets | 11.4949% | 2,689 |
| Core capital (leverage) ratio | 10.2005% | 3,192 |
| Tier 1 risk-based capital ratio | 21.1744% | 1,424 |
| Total risk-based capital ratio | 22.4334% | 1,400 |
| Memoranda: | ||
| Average total assets | $137,731,750 | 4,040 |
| Average earning assets | $130,574,000 | 3,946 |
| Average equity | $14,816,000 | 3,957 |
| Average total loans | $50,045,000 | 5,305 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 3,447 |
| Cost of funding earning assets | 1.6873% | 489 |
| Net interest margin | 3.2518% | 5,997 |
| Noninterest income to average assets | 0.1395% | 6,628 |
| Noninterest expense to average assets | 1.8988% | 6,949 |
| Loan and lease loss provision to assets | 0.1453% | 4,490 |
| Net operating income to assets | 0.8274% | 2,953 |
| Return on assets (ROA) | 1.0155% | 2,259 |
| Pretax return on assets | 1.4441% | 1,682 |
| Return on Equity (ROE) | 9.6618% | 2,241 |
| Retained earnings to average equity (ytd only) | 7.5194% | 1,649 |
| Net charge-offs to loans | 0.0477% | 5,178 |
| Credit loss provision to net charge-offs | 833.3333% | 395 |
| Earnings coverage of net charge-offs (x) | 75.7500% | 452 |
| Efficiency ratio | 58.9801% | 6,029 |
| Assets per employee ($millions) | 6.9128% | 766 |
| Cash dividends to net income (ytd only)* | 22.1745% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5220% | 1,414 |
| Loan loss allowance to noncurrent loans | 238.9831% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 5,449 |
| Noncurrent loans to loans | 1.0553% | 4,894 |
| Net loans and leases to total assets | 35.4762% | 6,987 |
| Net loans and leases to deposits | 61.0779% | 5,608 |
| Net loans and leases to core deposits | 84.7408% | 3,107 |
| Total domestic deposits to total assets | 58.0836% | 7,389 |
| Equity capital to assets | 10.8805% | 3,092 |
| Core capital (leverage) ratio | 9.9780% | 3,288 |
| Tier 1 risk-based capital ratio | 20.9263% | 1,436 |
| Total risk-based capital ratio | 22.1845% | 1,413 |
| Memoranda: | ||
| Average total assets | $137,662,330 | 4,069 |
| Average earning assets | $130,387,330 | 3,973 |
| Average equity | $14,469,330 | 4,018 |
| Average total loans | $50,309,330 | 5,342 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 3,485 |
| Cost of funding earning assets | 1.7301% | 496 |
| Net interest margin | 3.1898% | 6,101 |
| Noninterest income to average assets | 0.2417% | 5,968 |
| Noninterest expense to average assets | 1.9510% | 6,904 |
| Loan and lease loss provision to assets | 0.2184% | 3,469 |
| Net operating income to assets | 0.7901% | 3,083 |
| Return on assets (ROA) | 1.0920% | 1,910 |
| Pretax return on assets | 1.5142% | 1,407 |
| Return on Equity (ROE) | 10.5764% | 1,882 |
| Retained earnings to average equity (ytd only) | 7.8971% | 1,776 |
| Net charge-offs to loans | 0.3499% | 2,662 |
| Credit loss provision to net charge-offs | 170.4545% | 1,692 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,649 |
| Efficiency ratio | 59.7681% | 6,016 |
| Assets per employee ($millions) | 6.8798% | 787 |
| Cash dividends to net income (ytd only)* | 25.3333% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4436% | 1,544 |
| Loan loss allowance to noncurrent loans | 196.1165% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8569% | 5,189 |
| Noncurrent loans to loans | 1.2460% | 4,605 |
| Net loans and leases to total assets | 35.1655% | 7,045 |
| Net loans and leases to deposits | 62.3210% | 5,461 |
| Net loans and leases to core deposits | 78.7212% | 3,932 |
| Total domestic deposits to total assets | 56.4265% | 7,457 |
| Equity capital to assets | 10.3434% | 3,358 |
| Core capital (leverage) ratio | 9.7809% | 3,410 |
| Tier 1 risk-based capital ratio | 20.9333% | 1,410 |
| Total risk-based capital ratio | 22.1918% | 1,386 |
| Memoranda: | ||
| Average total assets | $137,365,500 | 4,115 |
| Average earning assets | $130,165,000 | 4,025 |
| Average equity | $14,182,500 | 4,075 |
| Average total loans | $50,305,500 | 5,381 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 4,327 |
| Cost of funding earning assets | 1.8596% | 968 |
| Net interest margin | 3.1882% | 6,294 |
| Noninterest income to average assets | 0.2182% | 6,243 |
| Noninterest expense to average assets | 2.0088% | 7,007 |
| Loan and lease loss provision to assets | 1.7751% | 783 |
| Net operating income to assets | -0.2996% | 6,214 |
| Return on assets (ROA) | -0.2996% | 6,256 |
| Pretax return on assets | -0.5503% | 6,356 |
| Return on Equity (ROE) | -2.7894% | 6,260 |
| Retained earnings to average equity (ytd only) | -4.5458% | 6,254 |
| Net charge-offs to loans | 4.2335% | 275 |
| Credit loss provision to net charge-offs | 108.1081% | 4,092 |
| Earnings coverage of net charge-offs (x) | 0.7459% | 5,372 |
| Efficiency ratio | 62.1226% | 5,708 |
| Assets per employee ($millions) | 6.8568% | 796 |
| Cash dividends to net income (ytd only)* | -62.9630% | 7,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3151% | 1,671 |
| Loan loss allowance to noncurrent loans | 167.2805% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.9239% | 5,167 |
| Noncurrent loans to loans | 1.3840% | 4,408 |
| Net loans and leases to total assets | 36.3377% | 7,146 |
| Net loans and leases to deposits | 60.7159% | 5,979 |
| Net loans and leases to core deposits | 76.3147% | 4,657 |
| Total domestic deposits to total assets | 59.8486% | 7,510 |
| Equity capital to assets | 10.3058% | 3,383 |
| Core capital (leverage) ratio | 9.9536% | 3,143 |
| Tier 1 risk-based capital ratio | 19.8872% | 1,504 |
| Total risk-based capital ratio | 21.1436% | 1,477 |
| Memoranda: | ||
| Average total assets | $135,202,200 | 4,151 |
| Average earning assets | $127,876,400 | 4,068 |
| Average equity | $14,519,000 | 4,030 |
| Average total loans | $52,438,800 | 5,387 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 4,234 |
| Cost of funding earning assets | 1.8752% | 1,114 |
| Net interest margin | 3.2411% | 6,204 |
| Noninterest income to average assets | 0.1900% | 6,523 |
| Noninterest expense to average assets | 2.0081% | 7,037 |
| Loan and lease loss provision to assets | 2.2862% | 486 |
| Net operating income to assets | -0.6057% | 6,666 |
| Return on assets (ROA) | -0.6057% | 6,714 |
| Pretax return on assets | -1.0372% | 6,876 |
| Return on Equity (ROE) | -5.5830% | 6,692 |
| Retained earnings to average equity (ytd only) | -7.2250% | 6,728 |
| Net charge-offs to loans | 5.7251% | 119 |
| Credit loss provision to net charge-offs | 101.8968% | 4,227 |
| Earnings coverage of net charge-offs (x) | 0.5567% | 5,467 |
| Efficiency ratio | 61.6530% | 5,676 |
| Assets per employee ($millions) | 6.6375% | 910 |
| Cash dividends to net income (ytd only)* | -29.4113% | 7,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0368% | 2,128 |
| Loan loss allowance to noncurrent loans | 696.0000% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 6,079 |
| Noncurrent loans to loans | 0.2926% | 6,602 |
| Net loans and leases to total assets | 37.8260% | 7,189 |
| Net loans and leases to deposits | 68.7420% | 5,319 |
| Net loans and leases to core deposits | 89.4538% | 3,173 |
| Total domestic deposits to total assets | 55.0260% | 7,649 |
| Equity capital to assets | 10.8256% | 3,144 |
| Core capital (leverage) ratio | 9.9490% | 3,298 |
| Tier 1 risk-based capital ratio | 19.9088% | 1,569 |
| Total risk-based capital ratio | 21.1639% | 1,536 |
| Memoranda: | ||
| Average total assets | $134,718,750 | 4,214 |
| Average earning assets | $127,483,250 | 4,119 |
| Average equity | $14,615,500 | 4,073 |
| Average total loans | $52,795,250 | 5,452 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 4,471 |
| Cost of funding earning assets | 1.8718% | 1,333 |
| Net interest margin | 3.2252% | 6,239 |
| Noninterest income to average assets | 0.2319% | 6,256 |
| Noninterest expense to average assets | 2.0166% | 7,080 |
| Loan and lease loss provision to assets | 3.4127% | 259 |
| Net operating income to assets | -1.3282% | 7,087 |
| Return on assets (ROA) | -1.3282% | 7,100 |
| Pretax return on assets | -2.1452% | 7,278 |
| Return on Equity (ROE) | -12.2338% | 7,048 |
| Retained earnings to average equity (ytd only) | -13.8668% | 7,065 |
| Net charge-offs to loans | 7.6912% | 70 |
| Credit loss provision to net charge-offs | 112.6829% | 3,607 |
| Earnings coverage of net charge-offs (x) | 0.4185% | 5,304 |
| Efficiency ratio | 61.4035% | 5,791 |
| Assets per employee ($millions) | 6.3060% | 1,046 |
| Cash dividends to net income (ytd only)* | -13.3482% | 7,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4343% | 1,390 |
| Loan loss allowance to noncurrent loans | 840.6667% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 6,037 |
| Noncurrent loans to loans | 0.2896% | 6,653 |
| Net loans and leases to total assets | 38.1650% | 7,261 |
| Net loans and leases to deposits | 68.5428% | 5,485 |
| Net loans and leases to core deposits | 86.0827% | 3,815 |
| Total domestic deposits to total assets | 55.6806% | 7,711 |
| Equity capital to assets | 10.7298% | 3,149 |
| Core capital (leverage) ratio | 9.5484% | 3,746 |
| Tier 1 risk-based capital ratio | 19.0007% | 1,720 |
| Total risk-based capital ratio | 20.2592% | 1,681 |
| Memoranda: | ||
| Average total assets | $135,375,000 | 4,229 |
| Average earning assets | $128,114,330 | 4,132 |
| Average equity | $14,697,000 | 4,052 |
| Average total loans | $53,307,670 | 5,455 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1138% | 4,463 |
| Cost of funding earning assets | 1.8537% | 1,644 |
| Net interest margin | 3.2601% | 6,095 |
| Noninterest income to average assets | 0.2075% | 6,475 |
| Noninterest expense to average assets | 2.0285% | 7,108 |
| Loan and lease loss provision to assets | 0.4384% | 2,771 |
| Net operating income to assets | 0.6343% | 3,734 |
| Return on assets (ROA) | 0.6343% | 3,857 |
| Pretax return on assets | 0.8301% | 3,743 |
| Return on Equity (ROE) | 5.8095% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.2032% | 3,627 |
| Net charge-offs to loans | -0.2072% | 7,680 |
| Credit loss provision to net charge-offs | -535.7143% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5248% | 5,907 |
| Assets per employee ($millions) | 6.4591% | 1,020 |
| Cash dividends to net income (ytd only)* | 27.6498% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2081% | 1,736 |
| Loan loss allowance to noncurrent loans | 58.0788% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.9507% | 3,560 |
| Noncurrent loans to loans | 3.8019% | 2,079 |
| Net loans and leases to total assets | 38.4947% | 7,330 |
| Net loans and leases to deposits | 70.3630% | 5,291 |
| Net loans and leases to core deposits | 90.2063% | 3,340 |
| Total domestic deposits to total assets | 54.7087% | 7,810 |
| Equity capital to assets | 11.0983% | 2,675 |
| Core capital (leverage) ratio | 10.3464% | 2,766 |
| Tier 1 risk-based capital ratio | 20.8953% | 1,357 |
| Total risk-based capital ratio | 22.1517% | 1,327 |
| Memoranda: | ||
| Average total assets | $136,850,000 | 4,252 |
| Average earning assets | $129,688,500 | 4,155 |
| Average equity | $14,941,000 | 4,032 |
| Average total loans | $54,061,000 | 5,490 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 4,592 |
| Cost of funding earning assets | 2.1682% | 2,160 |
| Net interest margin | 3.2516% | 5,920 |
| Noninterest income to average assets | 0.2336% | 6,443 |
| Noninterest expense to average assets | 1.9845% | 7,385 |
| Loan and lease loss provision to assets | 0.6937% | 3,049 |
| Net operating income to assets | 0.4777% | 3,825 |
| Return on assets (ROA) | 0.6334% | 3,265 |
| Pretax return on assets | 0.8584% | 3,059 |
| Return on Equity (ROE) | 6.1057% | 3,170 |
| Retained earnings to average equity (ytd only) | 3.3780% | 2,805 |
| Net charge-offs to loans | 1.1104% | 2,202 |
| Credit loss provision to net charge-offs | 155.9543% | 2,908 |
| Earnings coverage of net charge-offs (x) | 3.0163% | 3,572 |
| Efficiency ratio | 59.6640% | 6,536 |
| Assets per employee ($millions) | 6.5742% | 963 |
| Cash dividends to net income (ytd only)* | 44.6735% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 2,454 |
| Loan loss allowance to noncurrent loans | 47.9866% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 1.9571% | 3,448 |
| Noncurrent loans to loans | 3.8116% | 1,961 |
| Net loans and leases to total assets | 38.9163% | 7,409 |
| Net loans and leases to deposits | 69.0250% | 5,723 |
| Net loans and leases to core deposits | 90.3810% | 5,084 |
| Total domestic deposits to total assets | 56.3799% | 7,849 |
| Equity capital to assets | 10.7404% | 2,937 |
| Core capital (leverage) ratio | 10.0524% | 3,035 |
| Tier 1 risk-based capital ratio | 19.2612% | 1,600 |
| Total risk-based capital ratio | 20.5127% | 1,564 |
| Memoranda: | ||
| Average total assets | $137,817,000 | 4,169 |
| Average earning assets | $131,074,400 | 4,064 |
| Average equity | $14,298,200 | 4,191 |
| Average total loans | $55,207,200 | 5,450 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4849% | 4,497 |
| Cost of funding earning assets | 2.2271% | 2,286 |
| Net interest margin | 3.2578% | 5,801 |
| Noninterest income to average assets | 0.1936% | 6,834 |
| Noninterest expense to average assets | 1.9715% | 7,439 |
| Loan and lease loss provision to assets | 0.5517% | 3,179 |
| Net operating income to assets | 0.5725% | 3,719 |
| Return on assets (ROA) | 0.7172% | 3,216 |
| Pretax return on assets | 0.9679% | 3,000 |
| Return on Equity (ROE) | 6.9744% | 3,083 |
| Retained earnings to average equity (ytd only) | 4.1508% | 2,964 |
| Net charge-offs to loans | 0.7037% | 2,587 |
| Credit loss provision to net charge-offs | 195.2055% | 2,311 |
| Earnings coverage of net charge-offs (x) | 4.6850% | 3,040 |
| Efficiency ratio | 59.8238% | 6,441 |
| Assets per employee ($millions) | 6.5224% | 975 |
| Cash dividends to net income (ytd only)* | 40.4856% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 2,801 |
| Loan loss allowance to noncurrent loans | 38.3292% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 2.3012% | 2,977 |
| Noncurrent loans to loans | 4.3106% | 1,658 |
| Net loans and leases to total assets | 40.6768% | 7,426 |
| Net loans and leases to deposits | 74.0507% | 5,356 |
| Net loans and leases to core deposits | 96.2778% | 4,779 |
| Total domestic deposits to total assets | 54.9310% | 7,938 |
| Equity capital to assets | 10.9608% | 3,050 |
| Core capital (leverage) ratio | 10.0166% | 3,258 |
| Tier 1 risk-based capital ratio | 17.2555% | 2,200 |
| Total risk-based capital ratio | 18.4383% | 2,163 |
| Memoranda: | ||
| Average total assets | $137,756,750 | 4,193 |
| Average earning assets | $131,169,750 | 4,082 |
| Average equity | $14,165,750 | 4,250 |
| Average total loans | $55,327,000 | 5,492 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4934% | 4,671 |
| Cost of funding earning assets | 2.2823% | 2,439 |
| Net interest margin | 3.2111% | 5,875 |
| Noninterest income to average assets | 0.2145% | 6,766 |
| Noninterest expense to average assets | 1.9041% | 7,620 |
| Loan and lease loss provision to assets | 0.2608% | 4,490 |
| Net operating income to assets | 0.8249% | 2,757 |
| Return on assets (ROA) | 0.8260% | 2,847 |
| Pretax return on assets | 1.1071% | 2,614 |
| Return on Equity (ROE) | 8.2113% | 2,686 |
| Retained earnings to average equity (ytd only) | 5.1861% | 2,403 |
| Net charge-offs to loans | -0.1057% | 7,960 |
| Credit loss provision to net charge-offs | -620.6897% | 7,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2189% | 6,832 |
| Assets per employee ($millions) | 6.4980% | 969 |
| Cash dividends to net income (ytd only)* | 36.8421% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 2,849 |
| Loan loss allowance to noncurrent loans | 37.1784% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 2.2703% | 2,872 |
| Noncurrent loans to loans | 4.2342% | 1,561 |
| Net loans and leases to total assets | 39.7248% | 7,565 |
| Net loans and leases to deposits | 69.6725% | 6,019 |
| Net loans and leases to core deposits | 91.1089% | 5,434 |
| Total domestic deposits to total assets | 57.0164% | 7,995 |
| Equity capital to assets | 10.5629% | 3,325 |
| Core capital (leverage) ratio | 9.8367% | 3,469 |
| Tier 1 risk-based capital ratio | 18.8685% | 1,803 |
| Total risk-based capital ratio | 20.0737% | 1,768 |
| Memoranda: | ||
| Average total assets | $138,019,000 | 4,218 |
| Average earning assets | $131,357,670 | 4,112 |
| Average equity | $13,883,330 | 4,332 |
| Average total loans | $54,885,670 | 5,563 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4868% | 4,981 |
| Cost of funding earning assets | 2.3342% | 2,558 |
| Net interest margin | 3.1527% | 6,004 |
| Noninterest income to average assets | 0.1960% | 6,894 |
| Noninterest expense to average assets | 1.7896% | 7,713 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9980% | 2,322 |
| Return on assets (ROA) | 1.0000% | 2,445 |
| Pretax return on assets | 1.4064% | 1,948 |
| Return on Equity (ROE) | 10.1924% | 2,247 |
| Retained earnings to average equity (ytd only) | 6.6676% | 2,339 |
| Net charge-offs to loans | -0.1168% | 7,917 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0469% | 6,965 |
| Assets per employee ($millions) | 6.4029% | 1,005 |
| Cash dividends to net income (ytd only)* | 34.5821% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 4,461 |
| Loan loss allowance to noncurrent loans | 42.1513% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 1.6789% | 3,407 |
| Noncurrent loans to loans | 2.9594% | 2,208 |
| Net loans and leases to total assets | 37.8784% | 7,668 |
| Net loans and leases to deposits | 64.6289% | 6,497 |
| Net loans and leases to core deposits | 86.9431% | 5,836 |
| Total domestic deposits to total assets | 58.6090% | 7,998 |
| Equity capital to assets | 10.0253% | 3,978 |
| Core capital (leverage) ratio | 9.6921% | 3,768 |
| Tier 1 risk-based capital ratio | 18.6370% | 1,894 |
| Total risk-based capital ratio | 19.5715% | 1,935 |
| Memoranda: | ||
| Average total assets | $138,799,000 | 4,212 |
| Average earning assets | $131,952,000 | 4,109 |
| Average equity | $13,618,000 | 4,420 |
| Average total loans | $54,791,000 | 5,600 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8896% | 6,089 |
| Cost of funding earning assets | 2.8463% | 2,492 |
| Net interest margin | 3.0432% | 6,805 |
| Noninterest income to average assets | 0.2291% | 6,795 |
| Noninterest expense to average assets | 1.7834% | 7,771 |
| Loan and lease loss provision to assets | 1.4715% | 923 |
| Net operating income to assets | 0.0032% | 6,359 |
| Return on assets (ROA) | 0.0089% | 6,201 |
| Pretax return on assets | -0.1271% | 6,298 |
| Return on Equity (ROE) | 0.0897% | 6,201 |
| Retained earnings to average equity (ytd only) | -4.3946% | 6,400 |
| Net charge-offs to loans | 3.7576% | 201 |
| Credit loss provision to net charge-offs | 93.5620% | 5,580 |
| Earnings coverage of net charge-offs (x) | 0.8492% | 5,719 |
| Efficiency ratio | 57.1801% | 6,834 |
| Assets per employee ($millions) | 6.2152% | 1,025 |
| Cash dividends to net income (ytd only)* | 5,000.0000% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 4,665 |
| Loan loss allowance to noncurrent loans | 13,160.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 5,495 |
| Noncurrent loans to loans | 0.0090% | 7,518 |
| Net loans and leases to total assets | 40.1458% | 7,666 |
| Net loans and leases to deposits | 68.2944% | 6,431 |
| Net loans and leases to core deposits | 96.1989% | 5,242 |
| Total domestic deposits to total assets | 58.7835% | 7,998 |
| Equity capital to assets | 9.5909% | 4,556 |
| Core capital (leverage) ratio | 9.6987% | 3,765 |
| Tier 1 risk-based capital ratio | 17.7536% | 2,103 |
| Total risk-based capital ratio | 18.6376% | 2,154 |
| Memoranda: | ||
| Average total assets | $135,305,600 | 4,179 |
| Average earning assets | $128,481,600 | 4,068 |
| Average equity | $13,380,200 | 4,479 |
| Average total loans | $56,631,200 | 5,423 |