Home > United Farmers State Bank > Performance and Condition Ratios
United Farmers State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7110% | 1,643 |
| Cost of funding earning assets | 2.0664% | 1,740 |
| Net interest margin | 3.6446% | 1,978 |
| Noninterest income to average assets | 0.1800% | 3,674 |
| Noninterest expense to average assets | 1.4563% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.0333% | 432 |
| Return on assets (ROA) | 2.0435% | 431 |
| Pretax return on assets | 2.1917% | 506 |
| Return on Equity (ROE) | 23.3400% | 256 |
| Retained earnings to average equity (ytd only) | 23.3438% | 100 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 40.0402% | 4,285 |
| Assets per employee ($millions) | 10.4081% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 1,465 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 89.2200% | 40 |
| Net loans and leases to deposits | 112.7123% | 128 |
| Net loans and leases to core deposits | 130.4428% | 328 |
| Total domestic deposits to total assets | 79.1500% | 3,685 |
| Equity capital to assets | 9.0195% | 2,919 |
| Core capital (leverage) ratio | 10.0854% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $218,642,500 | 2,902 |
| Average earning assets | $207,318,000 | 2,865 |
| Average equity | $19,140,000 | 3,062 |
| Average total loans | $196,682,500 | 2,429 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5092% | 2,115 |
| Cost of funding earning assets | 1.9223% | 2,405 |
| Net interest margin | 3.5869% | 1,898 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 1.7252% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.7502% | 603 |
| Return on assets (ROA) | 1.7587% | 589 |
| Pretax return on assets | 1.9087% | 695 |
| Return on Equity (ROE) | 18.9900% | 478 |
| Retained earnings to average equity (ytd only) | 2.6939% | 3,153 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 47.5961% | 4,110 |
| Assets per employee ($millions) | 10.4150% | 682 |
| Cash dividends to net income (ytd only)* | 85.8129% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 1,402 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 88.2500% | 73 |
| Net loans and leases to deposits | 113.2773% | 133 |
| Net loans and leases to core deposits | 129.8188% | 376 |
| Total domestic deposits to total assets | 77.9000% | 3,792 |
| Equity capital to assets | 8.4887% | 3,208 |
| Core capital (leverage) ratio | 9.8379% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $206,007,200 | 2,964 |
| Average earning assets | $195,490,600 | 2,920 |
| Average equity | $19,080,400 | 3,033 |
| Average total loans | $184,005,000 | 2,488 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 2,107 |
| Cost of funding earning assets | 1.8733% | 2,540 |
| Net interest margin | 3.6131% | 1,806 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 1.7301% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.7745% | 623 |
| Return on assets (ROA) | 1.7939% | 604 |
| Pretax return on assets | 1.9457% | 704 |
| Return on Equity (ROE) | 18.9400% | 497 |
| Retained earnings to average equity (ytd only) | 13.1671% | 373 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 47.3381% | 4,113 |
| Assets per employee ($millions) | 9.9756% | 776 |
| Cash dividends to net income (ytd only)* | 30.4874% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 1,195 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 87.1400% | 102 |
| Net loans and leases to deposits | 110.0212% | 178 |
| Net loans and leases to core deposits | 127.9900% | 426 |
| Total domestic deposits to total assets | 79.2100% | 3,584 |
| Equity capital to assets | 9.7233% | 2,478 |
| Core capital (leverage) ratio | 10.6151% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $202,830,500 | 2,976 |
| Average earning assets | $192,736,000 | 2,933 |
| Average equity | $19,209,000 | 3,025 |
| Average total loans | $181,084,000 | 2,501 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3846% | 2,174 |
| Cost of funding earning assets | 1.7318% | 2,800 |
| Net interest margin | 3.6528% | 1,686 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 1.8374% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.7134% | 667 |
| Return on assets (ROA) | 1.7327% | 645 |
| Pretax return on assets | 1.8862% | 756 |
| Return on Equity (ROE) | 18.4700% | 565 |
| Retained earnings to average equity (ytd only) | 13.2077% | 420 |
| Net charge-offs to loans | -0.0011% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 49.6230% | 4,029 |
| Assets per employee ($millions) | 9.7992% | 774 |
| Cash dividends to net income (ytd only)* | 28.4810% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 1,201 |
| 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 | 88.0200% | 76 |
| Net loans and leases to deposits | 109.6803% | 222 |
| Net loans and leases to core deposits | 124.2930% | 520 |
| Total domestic deposits to total assets | 80.2500% | 3,409 |
| Equity capital to assets | 9.3613% | 2,483 |
| Core capital (leverage) ratio | 10.5154% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $200,611,667 | 2,992 |
| Average earning assets | $191,361,333 | 2,946 |
| Average equity | $18,822,333 | 3,030 |
| Average total loans | $179,701,000 | 2,505 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2693% | 2,253 |
| Cost of funding earning assets | 1.5586% | 3,067 |
| Net interest margin | 3.7107% | 1,515 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 1.7068% | 4,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.9141% | 493 |
| Return on assets (ROA) | 1.9573% | 479 |
| Pretax return on assets | 2.1129% | 545 |
| Return on Equity (ROE) | 20.8400% | 394 |
| Retained earnings to average equity (ytd only) | 20.8370% | 166 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 45.2355% | 4,206 |
| Assets per employee ($millions) | 9.3846% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,049 |
| 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 | 88.5900% | 65 |
| Net loans and leases to deposits | 102.8156% | 374 |
| Net loans and leases to core deposits | 114.0021% | 812 |
| Total domestic deposits to total assets | 86.1600% | 2,037 |
| Equity capital to assets | 9.6810% | 2,210 |
| Core capital (leverage) ratio | 10.7392% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $198,026,000 | 3,015 |
| Average earning assets | $189,398,000 | 2,966 |
| Average equity | $18,601,500 | 3,049 |
| Average total loans | $177,650,000 | 2,515 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 2,573 |
| Cost of funding earning assets | 1.1776% | 2,861 |
| Net interest margin | 3.5726% | 2,024 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.8022% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6523% | 790 |
| Return on assets (ROA) | 1.6878% | 718 |
| Pretax return on assets | 1.8501% | 826 |
| Return on Equity (ROE) | 17.8200% | 842 |
| Retained earnings to average equity (ytd only) | 2.3613% | 3,488 |
| Net charge-offs to loans | 0.0469% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 44.0759% | 1,378 |
| Efficiency ratio | 49.8776% | 3,988 |
| Assets per employee ($millions) | 9.9488% | 714 |
| Cash dividends to net income (ytd only)* | 86.7488% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 1,042 |
| 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 | 88.1300% | 81 |
| Net loans and leases to deposits | 103.3243% | 396 |
| Net loans and leases to core deposits | 112.9653% | 848 |
| Total domestic deposits to total assets | 85.3000% | 2,210 |
| Equity capital to assets | 9.1086% | 2,603 |
| Core capital (leverage) ratio | 10.5440% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $192,262,600 | 3,035 |
| Average earning assets | $183,422,000 | 2,983 |
| Average equity | $18,210,400 | 2,990 |
| Average total loans | $168,457,000 | 2,533 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 2,493 |
| Cost of funding earning assets | 1.0991% | 2,744 |
| Net interest margin | 3.5905% | 2,031 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.7378% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7266% | 759 |
| Return on assets (ROA) | 1.7266% | 746 |
| Pretax return on assets | 1.8910% | 871 |
| Return on Equity (ROE) | 18.0500% | 946 |
| Retained earnings to average equity (ytd only) | 12.7465% | 850 |
| Net charge-offs to loans | 0.0634% | 1,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 34.2152% | 1,528 |
| Efficiency ratio | 47.8890% | 4,052 |
| Assets per employee ($millions) | 9.7010% | 745 |
| Cash dividends to net income (ytd only)* | 29.3760% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 824 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 87.4800% | 101 |
| Net loans and leases to deposits | 99.7254% | 527 |
| Net loans and leases to core deposits | 108.7627% | 919 |
| Total domestic deposits to total assets | 87.7200% | 1,660 |
| Equity capital to assets | 10.0348% | 1,817 |
| Core capital (leverage) ratio | 11.2432% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $190,584,250 | 3,058 |
| Average earning assets | $181,845,250 | 3,003 |
| Average equity | $18,232,000 | 2,984 |
| Average total loans | $166,061,250 | 2,559 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 2,519 |
| Cost of funding earning assets | 0.9901% | 2,636 |
| Net interest margin | 3.5646% | 2,116 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.7460% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6982% | 782 |
| Return on assets (ROA) | 1.6982% | 785 |
| Pretax return on assets | 1.8622% | 913 |
| Return on Equity (ROE) | 18.0300% | 953 |
| Retained earnings to average equity (ytd only) | 12.8527% | 831 |
| Net charge-offs to loans | 0.0612% | 936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 35.1765% | 1,475 |
| Efficiency ratio | 48.3890% | 4,037 |
| Assets per employee ($millions) | 10.5886% | 562 |
| Cash dividends to net income (ytd only)* | 28.7286% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 825 |
| Loan loss allowance to noncurrent loans | 9,324.1379% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,687 |
| Noncurrent loans to loans | 0.0178% | 3,636 |
| Net loans and leases to total assets | 84.2300% | 254 |
| Net loans and leases to deposits | 95.5251% | 760 |
| Net loans and leases to core deposits | 104.6446% | 1,026 |
| Total domestic deposits to total assets | 88.1700% | 1,544 |
| Equity capital to assets | 9.7348% | 2,009 |
| Core capital (leverage) ratio | 11.0250% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $192,672,667 | 3,047 |
| Average earning assets | $184,029,667 | 3,001 |
| Average equity | $18,144,000 | 3,013 |
| Average total loans | $166,774,667 | 2,547 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4220% | 2,488 |
| Cost of funding earning assets | 0.8753% | 2,452 |
| Net interest margin | 3.5467% | 2,247 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.6272% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7779% | 701 |
| Return on assets (ROA) | 1.7779% | 696 |
| Pretax return on assets | 1.9472% | 848 |
| Return on Equity (ROE) | 19.2000% | 853 |
| Retained earnings to average equity (ytd only) | 19.1984% | 419 |
| Net charge-offs to loans | 0.0641% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 34.9259% | 1,243 |
| Efficiency ratio | 45.5228% | 4,247 |
| Assets per employee ($millions) | 9.5988% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 888 |
| Loan loss allowance to noncurrent loans | 5,147.1698% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,507 |
| Noncurrent loans to loans | 0.0322% | 3,524 |
| Net loans and leases to total assets | 84.1900% | 226 |
| Net loans and leases to deposits | 93.5550% | 812 |
| Net loans and leases to core deposits | 100.9229% | 1,049 |
| Total domestic deposits to total assets | 89.9900% | 1,159 |
| Equity capital to assets | 9.5789% | 2,078 |
| Core capital (leverage) ratio | 10.7677% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $193,712,000 | 3,077 |
| Average earning assets | $185,076,000 | 3,027 |
| Average equity | $17,939,000 | 3,052 |
| Average total loans | $168,545,500 | 2,562 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 1,969 |
| Cost of funding earning assets | 0.3330% | 2,606 |
| Net interest margin | 3.5722% | 1,722 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.7188% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7210% | 520 |
| Return on assets (ROA) | 1.7210% | 494 |
| Pretax return on assets | 1.8899% | 598 |
| Return on Equity (ROE) | 17.6600% | 757 |
| Retained earnings to average equity (ytd only) | 4.0567% | 3,377 |
| Net charge-offs to loans | -0.0026% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.6297% | 4,264 |
| Assets per employee ($millions) | 9.7725% | 724 |
| Cash dividends to net income (ytd only)* | 77.0333% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 987 |
| Loan loss allowance to noncurrent loans | 9,183.3333% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,704 |
| Noncurrent loans to loans | 0.0174% | 3,711 |
| Net loans and leases to total assets | 86.9700% | 109 |
| Net loans and leases to deposits | 98.5763% | 498 |
| Net loans and leases to core deposits | 103.5603% | 835 |
| Total domestic deposits to total assets | 88.2300% | 2,004 |
| Equity capital to assets | 8.9481% | 2,392 |
| Core capital (leverage) ratio | 10.5021% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $186,462,400 | 3,132 |
| Average earning assets | $178,067,600 | 3,080 |
| Average equity | $18,167,400 | 3,109 |
| Average total loans | $154,150,400 | 2,596 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 1,647 |
| Cost of funding earning assets | 0.2582% | 2,627 |
| Net interest margin | 3.5793% | 1,443 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.7132% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7392% | 486 |
| Return on assets (ROA) | 1.7392% | 472 |
| Pretax return on assets | 1.9115% | 566 |
| Return on Equity (ROE) | 17.4700% | 714 |
| Retained earnings to average equity (ytd only) | 12.2591% | 736 |
| Net charge-offs to loans | -0.0045% | 3,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.2644% | 4,316 |
| Assets per employee ($millions) | 9.3402% | 792 |
| Cash dividends to net income (ytd only)* | 29.8377% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 840 |
| Loan loss allowance to noncurrent loans | 8,612.5000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 3,784 |
| Noncurrent loans to loans | 0.0200% | 3,772 |
| Net loans and leases to total assets | 84.2400% | 226 |
| Net loans and leases to deposits | 93.4366% | 668 |
| Net loans and leases to core deposits | 97.2277% | 942 |
| Total domestic deposits to total assets | 90.1600% | 1,589 |
| Equity capital to assets | 9.5769% | 1,839 |
| Core capital (leverage) ratio | 10.8784% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $184,215,750 | 3,178 |
| Average earning assets | $176,118,750 | 3,120 |
| Average equity | $18,337,000 | 3,130 |
| Average total loans | $149,502,250 | 2,644 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 1,525 |
| Cost of funding earning assets | 0.2361% | 2,438 |
| Net interest margin | 3.4679% | 1,400 |
| Noninterest income to average assets | 0.2116% | 3,934 |
| Noninterest expense to average assets | 1.7889% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5653% | 595 |
| Return on assets (ROA) | 1.5653% | 579 |
| Pretax return on assets | 1.7398% | 688 |
| Return on Equity (ROE) | 15.5253% | 792 |
| Retained earnings to average equity (ytd only) | 11.1544% | 761 |
| Net charge-offs to loans | 0.0014% | 2,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,595.0000% | 74 |
| Efficiency ratio | 50.6955% | 4,207 |
| Assets per employee ($millions) | 9.5171% | 748 |
| Cash dividends to net income (ytd only)* | 28.1533% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 745 |
| Loan loss allowance to noncurrent loans | 8,333.3333% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,838 |
| Noncurrent loans to loans | 0.0222% | 3,797 |
| Net loans and leases to total assets | 76.7381% | 656 |
| Net loans and leases to deposits | 85.0163% | 1,054 |
| Net loans and leases to core deposits | 88.2354% | 1,210 |
| Total domestic deposits to total assets | 90.2627% | 1,602 |
| Equity capital to assets | 9.4604% | 2,048 |
| Core capital (leverage) ratio | 10.7837% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,353,333 | 3,215 |
| Average earning assets | $175,382,000 | 3,166 |
| Average equity | $18,486,000 | 3,189 |
| Average total loans | $145,962,667 | 2,687 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 1,444 |
| Cost of funding earning assets | 0.2395% | 2,273 |
| Net interest margin | 3.3826% | 1,342 |
| Noninterest income to average assets | 0.2202% | 3,834 |
| Noninterest expense to average assets | 1.8214% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4522% | 710 |
| Return on assets (ROA) | 1.4522% | 707 |
| Pretax return on assets | 1.6346% | 783 |
| Return on Equity (ROE) | 13.9489% | 841 |
| Retained earnings to average equity (ytd only) | 13.9489% | 382 |
| Net charge-offs to loans | 0.0028% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 735.0000% | 128 |
| Efficiency ratio | 52.7027% | 4,145 |
| Assets per employee ($millions) | 9.3358% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 731 |
| Loan loss allowance to noncurrent loans | 8,088.2353% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,875 |
| Noncurrent loans to loans | 0.0236% | 3,824 |
| Net loans and leases to total assets | 75.6870% | 527 |
| Net loans and leases to deposits | 84.1856% | 869 |
| Net loans and leases to core deposits | 87.9347% | 1,021 |
| Total domestic deposits to total assets | 89.9049% | 1,618 |
| Equity capital to assets | 9.8364% | 2,017 |
| Core capital (leverage) ratio | 10.7000% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,859,500 | 3,258 |
| Average earning assets | $172,057,500 | 3,213 |
| Average equity | $18,725,500 | 3,258 |
| Average total loans | $144,537,000 | 2,695 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 2,353 |
| Cost of funding earning assets | 0.5305% | 790 |
| Net interest margin | 3.0816% | 2,961 |
| Noninterest income to average assets | 0.8528% | 1,315 |
| Noninterest expense to average assets | 1.8897% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.9183% | 394 |
| Return on assets (ROA) | 1.9183% | 417 |
| Pretax return on assets | 1.9195% | 695 |
| Return on Equity (ROE) | 16.9614% | 598 |
| Retained earnings to average equity (ytd only) | 1.4646% | 4,129 |
| Net charge-offs to loans | -0.1322% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6088% | 4,314 |
| Assets per employee ($millions) | 8.6502% | 1,033 |
| Cash dividends to net income (ytd only)* | 91.3654% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 733 |
| Loan loss allowance to noncurrent loans | 7,641.6667% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 3,929 |
| Noncurrent loans to loans | 0.0248% | 3,890 |
| Net loans and leases to total assets | 82.2258% | 168 |
| Net loans and leases to deposits | 92.7153% | 430 |
| Net loans and leases to core deposits | 97.2504% | 649 |
| Total domestic deposits to total assets | 88.6864% | 1,674 |
| Equity capital to assets | 11.0315% | 1,771 |
| Core capital (leverage) ratio | 10.9981% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9921% | 2,634 |
| Memoranda: | ||
| Average total assets | $174,475,800 | 3,254 |
| Average earning assets | $167,382,600 | 3,212 |
| Average equity | $19,733,000 | 3,238 |
| Average total loans | $133,936,000 | 2,798 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4964% | 2,847 |
| Cost of funding earning assets | 0.6202% | 575 |
| Net interest margin | 2.8762% | 3,605 |
| Noninterest income to average assets | 1.1004% | 920 |
| Noninterest expense to average assets | 1.8309% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0300% | 441 |
| Return on assets (ROA) | 2.0300% | 465 |
| Pretax return on assets | 2.0315% | 758 |
| Return on Equity (ROE) | 17.8399% | 645 |
| Retained earnings to average equity (ytd only) | 9.6437% | 1,437 |
| Net charge-offs to loans | -0.1809% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4038% | 4,416 |
| Assets per employee ($millions) | 8.6464% | 999 |
| Cash dividends to net income (ytd only)* | 45.9429% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0880% | 547 |
| Loan loss allowance to noncurrent loans | 7,437.8378% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 4,046 |
| Noncurrent loans to loans | 0.0281% | 3,994 |
| Net loans and leases to total assets | 74.6253% | 642 |
| Net loans and leases to deposits | 84.9291% | 892 |
| Net loans and leases to core deposits | 88.9870% | 1,095 |
| Total domestic deposits to total assets | 87.8678% | 1,924 |
| Equity capital to assets | 11.7401% | 1,524 |
| Core capital (leverage) ratio | 11.0904% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4762% | 2,556 |
| Memoranda: | ||
| Average total assets | $174,843,750 | 3,289 |
| Average earning assets | $167,900,750 | 3,235 |
| Average equity | $19,895,000 | 3,264 |
| Average total loans | $131,168,750 | 2,879 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5661% | 2,730 |
| Cost of funding earning assets | 0.4314% | 1,649 |
| Net interest margin | 3.1347% | 2,943 |
| Noninterest income to average assets | 1.1443% | 869 |
| Noninterest expense to average assets | 1.6777% | 4,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.4789% | 223 |
| Return on assets (ROA) | 2.4789% | 239 |
| Pretax return on assets | 2.4812% | 365 |
| Return on Equity (ROE) | 22.0149% | 314 |
| Retained earnings to average equity (ytd only) | 16.5593% | 301 |
| Net charge-offs to loans | -0.0229% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3398% | 4,739 |
| Assets per employee ($millions) | 9.0185% | 856 |
| Cash dividends to net income (ytd only)* | 24.7816% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0519% | 552 |
| Loan loss allowance to noncurrent loans | 6,810.5263% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,135 |
| Noncurrent loans to loans | 0.0301% | 4,055 |
| Net loans and leases to total assets | 68.4914% | 1,386 |
| Net loans and leases to deposits | 81.8875% | 1,237 |
| Net loans and leases to core deposits | 85.8260% | 1,432 |
| Total domestic deposits to total assets | 83.6408% | 3,536 |
| Equity capital to assets | 11.4127% | 1,687 |
| Core capital (leverage) ratio | 11.3668% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7803% | 2,780 |
| Memoranda: | ||
| Average total assets | $175,482,333 | 3,285 |
| Average earning assets | $168,754,000 | 3,237 |
| Average equity | $19,759,333 | 3,269 |
| Average total loans | $130,958,333 | 2,887 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7291% | 2,292 |
| Cost of funding earning assets | 0.4571% | 1,669 |
| Net interest margin | 3.2720% | 2,477 |
| Noninterest income to average assets | 0.3514% | 3,333 |
| Noninterest expense to average assets | 1.7800% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7152% | 912 |
| Return on assets (ROA) | 1.7152% | 961 |
| Pretax return on assets | 1.7152% | 1,456 |
| Return on Equity (ROE) | 15.3413% | 1,147 |
| Retained earnings to average equity (ytd only) | 15.3413% | 592 |
| Net charge-offs to loans | -0.0420% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9259% | 4,106 |
| Assets per employee ($millions) | 8.9733% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9639% | 642 |
| Loan loss allowance to noncurrent loans | 6,470.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 4,209 |
| Noncurrent loans to loans | 0.0304% | 4,134 |
| Net loans and leases to total assets | 71.9875% | 1,031 |
| Net loans and leases to deposits | 86.9828% | 887 |
| Net loans and leases to core deposits | 91.2200% | 1,157 |
| Total domestic deposits to total assets | 82.7605% | 3,749 |
| Equity capital to assets | 10.9653% | 1,886 |
| Core capital (leverage) ratio | 11.1698% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6981% | 2,767 |
| Memoranda: | ||
| Average total assets | $173,038,500 | 3,301 |
| Average earning assets | $166,261,000 | 3,248 |
| Average equity | $19,346,500 | 3,294 |
| Average total loans | $133,374,500 | 2,859 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 903 |
| Cost of funding earning assets | 0.6999% | 1,717 |
| Net interest margin | 3.9930% | 984 |
| Noninterest income to average assets | 0.3649% | 3,285 |
| Noninterest expense to average assets | 1.9450% | 4,240 |
| Loan and lease loss provision to assets | 0.0936% | 3,182 |
| Net operating income to assets | 2.1296% | 203 |
| Return on assets (ROA) | 2.1296% | 221 |
| Pretax return on assets | 2.1308% | 346 |
| Return on Equity (ROE) | 17.9658% | 334 |
| Retained earnings to average equity (ytd only) | 4.4099% | 2,586 |
| Net charge-offs to loans | 0.0081% | 3,039 |
| Credit loss provision to net charge-offs | 1,363.6364% | 613 |
| Earnings coverage of net charge-offs (x) | 324.1818% | 330 |
| Efficiency ratio | 46.6487% | 4,686 |
| Assets per employee ($millions) | 8.3306% | 931 |
| Cash dividends to net income (ytd only)* | 75.4540% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9071% | 711 |
| Loan loss allowance to noncurrent loans | 6,278.0488% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 4,261 |
| Noncurrent loans to loans | 0.0304% | 4,193 |
| Net loans and leases to total assets | 79.4629% | 462 |
| Net loans and leases to deposits | 96.6944% | 518 |
| Net loans and leases to core deposits | 101.8204% | 822 |
| Total domestic deposits to total assets | 82.1794% | 3,627 |
| Equity capital to assets | 11.4122% | 1,953 |
| Core capital (leverage) ratio | 11.2381% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9387% | 2,652 |
| Memoranda: | ||
| Average total assets | $160,312,200 | 3,282 |
| Average earning assets | $152,741,000 | 3,236 |
| Average equity | $19,002,800 | 3,279 |
| Average total loans | $135,359,000 | 2,799 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7862% | 897 |
| Cost of funding earning assets | 0.7473% | 1,761 |
| Net interest margin | 4.0390% | 1,036 |
| Noninterest income to average assets | 0.4107% | 3,024 |
| Noninterest expense to average assets | 1.8563% | 4,402 |
| Loan and lease loss provision to assets | 0.1134% | 2,905 |
| Net operating income to assets | 2.2846% | 182 |
| Return on assets (ROA) | 2.2846% | 192 |
| Pretax return on assets | 2.2863% | 284 |
| Return on Equity (ROE) | 19.0872% | 292 |
| Retained earnings to average equity (ytd only) | 11.1506% | 545 |
| Net charge-offs to loans | 0.0148% | 2,593 |
| Credit loss provision to net charge-offs | 900.0000% | 899 |
| Earnings coverage of net charge-offs (x) | 190.4667% | 509 |
| Efficiency ratio | 43.6156% | 4,806 |
| Assets per employee ($millions) | 8.1394% | 950 |
| Cash dividends to net income (ytd only)* | 41.5809% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 615 |
| Loan loss allowance to noncurrent loans | 133.0036% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1801% | 864 |
| Noncurrent loans to loans | 1.4117% | 1,024 |
| Net loans and leases to total assets | 82.0231% | 430 |
| Net loans and leases to deposits | 101.8133% | 463 |
| Net loans and leases to core deposits | 107.5610% | 785 |
| Total domestic deposits to total assets | 80.5623% | 3,758 |
| Equity capital to assets | 12.1318% | 1,610 |
| Core capital (leverage) ratio | 12.1039% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8698% | 2,257 |
| Memoranda: | ||
| Average total assets | $158,737,500 | 3,282 |
| Average earning assets | $151,124,000 | 3,231 |
| Average equity | $19,000,000 | 3,279 |
| Average total loans | $135,456,750 | 2,808 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 972 |
| Cost of funding earning assets | 0.8025% | 1,812 |
| Net interest margin | 4.0981% | 1,119 |
| Noninterest income to average assets | 0.4638% | 2,745 |
| Noninterest expense to average assets | 1.9176% | 4,382 |
| Loan and lease loss provision to assets | 0.1144% | 2,877 |
| Net operating income to assets | 2.3293% | 181 |
| Return on assets (ROA) | 2.3293% | 197 |
| Pretax return on assets | 2.3318% | 287 |
| Return on Equity (ROE) | 19.5517% | 263 |
| Retained earnings to average equity (ytd only) | 12.9278% | 364 |
| Net charge-offs to loans | 0.0222% | 2,275 |
| Credit loss provision to net charge-offs | 600.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 128.3333% | 594 |
| Efficiency ratio | 43.9429% | 4,813 |
| Assets per employee ($millions) | 7.8929% | 1,014 |
| Cash dividends to net income (ytd only)* | 33.8789% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8167% | 632 |
| Loan loss allowance to noncurrent loans | 97.4379% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.6318% | 535 |
| Noncurrent loans to loans | 1.8645% | 742 |
| Net loans and leases to total assets | 85.9317% | 139 |
| Net loans and leases to deposits | 107.1477% | 284 |
| Net loans and leases to core deposits | 113.1831% | 631 |
| Total domestic deposits to total assets | 80.1993% | 3,793 |
| Equity capital to assets | 12.2642% | 1,506 |
| Core capital (leverage) ratio | 12.2973% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0169% | 2,175 |
| Memoranda: | ||
| Average total assets | $157,387,667 | 3,277 |
| Average earning assets | $149,776,333 | 3,220 |
| Average equity | $18,750,333 | 3,294 |
| Average total loans | $135,249,667 | 2,801 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 1,046 |
| Cost of funding earning assets | 0.9160% | 1,785 |
| Net interest margin | 4.0441% | 1,273 |
| Noninterest income to average assets | 0.2189% | 4,237 |
| Noninterest expense to average assets | 2.0515% | 4,307 |
| Loan and lease loss provision to assets | 0.1145% | 2,254 |
| Net operating income to assets | 1.8912% | 341 |
| Return on assets (ROA) | 1.8912% | 375 |
| Pretax return on assets | 1.8962% | 573 |
| Return on Equity (ROE) | 16.1123% | 409 |
| Retained earnings to average equity (ytd only) | 16.1123% | 142 |
| Net charge-offs to loans | 0.0209% | 1,949 |
| Credit loss provision to net charge-offs | 642.8571% | 756 |
| Earnings coverage of net charge-offs (x) | 112.8571% | 531 |
| Efficiency ratio | 50.5013% | 4,636 |
| Assets per employee ($millions) | 7.7110% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 663 |
| Loan loss allowance to noncurrent loans | 140.5912% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 1,121 |
| Noncurrent loans to loans | 1.3155% | 1,238 |
| Net loans and leases to total assets | 85.0972% | 196 |
| Net loans and leases to deposits | 108.8400% | 206 |
| Net loans and leases to core deposits | 115.1082% | 620 |
| Total domestic deposits to total assets | 78.1856% | 4,187 |
| Equity capital to assets | 12.1963% | 1,926 |
| Core capital (leverage) ratio | 11.9787% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7001% | 2,396 |
| Memoranda: | ||
| Average total assets | $157,152,500 | 3,241 |
| Average earning assets | $149,352,500 | 3,204 |
| Average equity | $18,445,500 | 3,327 |
| Average total loans | $133,794,500 | 2,799 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 953 |
| Cost of funding earning assets | 1.0117% | 1,676 |
| Net interest margin | 4.2061% | 1,307 |
| Noninterest income to average assets | 0.2295% | 4,293 |
| Noninterest expense to average assets | 2.0343% | 4,475 |
| Loan and lease loss provision to assets | 0.3394% | 455 |
| Net operating income to assets | 1.8507% | 479 |
| Return on assets (ROA) | 1.8507% | 499 |
| Pretax return on assets | 1.8520% | 834 |
| Return on Equity (ROE) | 15.6192% | 588 |
| Retained earnings to average equity (ytd only) | -1.3039% | 4,829 |
| Net charge-offs to loans | 0.2603% | 794 |
| Credit loss provision to net charge-offs | 148.7252% | 1,724 |
| Earnings coverage of net charge-offs (x) | 9.6034% | 2,645 |
| Efficiency ratio | 48.1413% | 4,828 |
| Assets per employee ($millions) | 8.0043% | 716 |
| Cash dividends to net income (ytd only)* | 108.3479% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 635 |
| Loan loss allowance to noncurrent loans | 219.5672% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 1,870 |
| Noncurrent loans to loans | 0.8284% | 1,853 |
| Net loans and leases to total assets | 82.1090% | 547 |
| Net loans and leases to deposits | 104.9721% | 338 |
| Net loans and leases to core deposits | 111.0299% | 801 |
| Total domestic deposits to total assets | 78.2198% | 4,323 |
| Equity capital to assets | 11.2952% | 2,713 |
| Core capital (leverage) ratio | 11.3364% | 2,224 |
| Tier 1 risk-based capital ratio | 11.7204% | 4,516 |
| Total risk-based capital ratio | 12.9739% | 4,392 |
| Memoranda: | ||
| Average total assets | $154,700,400 | 3,247 |
| Average earning assets | $146,976,800 | 3,202 |
| Average equity | $18,330,000 | 3,305 |
| Average total loans | $135,591,400 | 2,769 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2611% | 930 |
| Cost of funding earning assets | 1.0098% | 1,719 |
| Net interest margin | 4.2513% | 1,266 |
| Noninterest income to average assets | 0.2278% | 4,374 |
| Noninterest expense to average assets | 2.0762% | 4,401 |
| Loan and lease loss provision to assets | 0.4173% | 313 |
| Net operating income to assets | 1.7736% | 642 |
| Return on assets (ROA) | 1.7736% | 678 |
| Pretax return on assets | 1.7754% | 1,149 |
| Return on Equity (ROE) | 14.7887% | 824 |
| Retained earnings to average equity (ytd only) | 2.8490% | 3,953 |
| Net charge-offs to loans | 0.3352% | 516 |
| Credit loss provision to net charge-offs | 140.3509% | 1,720 |
| Earnings coverage of net charge-offs (x) | 7.3742% | 2,749 |
| Efficiency ratio | 48.6354% | 4,815 |
| Assets per employee ($millions) | 7.7729% | 755 |
| Cash dividends to net income (ytd only)* | 80.7355% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 706 |
| Loan loss allowance to noncurrent loans | 3,872.5806% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,520 |
| Noncurrent loans to loans | 0.0461% | 4,443 |
| Net loans and leases to total assets | 85.0492% | 248 |
| Net loans and leases to deposits | 111.3530% | 197 |
| Net loans and leases to core deposits | 118.1145% | 594 |
| Total domestic deposits to total assets | 76.3780% | 4,601 |
| Equity capital to assets | 12.0406% | 2,227 |
| Core capital (leverage) ratio | 12.0325% | 1,829 |
| Tier 1 risk-based capital ratio | 12.8092% | 3,954 |
| Total risk-based capital ratio | 14.0640% | 3,845 |
| Memoranda: | ||
| Average total assets | $153,354,000 | 3,291 |
| Average earning assets | $145,771,000 | 3,248 |
| Average equity | $18,392,000 | 3,312 |
| Average total loans | $136,019,250 | 2,794 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 962 |
| Cost of funding earning assets | 0.9901% | 1,741 |
| Net interest margin | 4.2223% | 1,309 |
| Noninterest income to average assets | 0.2253% | 4,396 |
| Noninterest expense to average assets | 2.1028% | 4,413 |
| Loan and lease loss provision to assets | 0.3328% | 393 |
| Net operating income to assets | 1.7989% | 597 |
| Return on assets (ROA) | 1.7989% | 622 |
| Pretax return on assets | 1.8015% | 1,026 |
| Return on Equity (ROE) | 15.0191% | 753 |
| Retained earnings to average equity (ytd only) | -0.3172% | 4,735 |
| Net charge-offs to loans | 0.3253% | 522 |
| Credit loss provision to net charge-offs | 114.4144% | 1,810 |
| Earnings coverage of net charge-offs (x) | 7.3378% | 2,499 |
| Efficiency ratio | 49.6289% | 4,801 |
| Assets per employee ($millions) | 7.6938% | 748 |
| Cash dividends to net income (ytd only)* | 102.1122% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 879 |
| Loan loss allowance to noncurrent loans | 113.5576% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 956 |
| Noncurrent loans to loans | 1.4677% | 1,054 |
| Net loans and leases to total assets | 87.9962% | 115 |
| Net loans and leases to deposits | 115.1188% | 126 |
| Net loans and leases to core deposits | 122.3889% | 477 |
| Total domestic deposits to total assets | 76.4395% | 4,625 |
| Equity capital to assets | 11.8855% | 2,273 |
| Core capital (leverage) ratio | 11.9854% | 1,840 |
| Tier 1 risk-based capital ratio | 12.1542% | 4,324 |
| Total risk-based capital ratio | 13.4071% | 4,219 |
| Memoranda: | ||
| Average total assets | $152,653,000 | 3,322 |
| Average earning assets | $145,038,670 | 3,271 |
| Average equity | $18,283,330 | 3,320 |
| Average total loans | $136,487,000 | 2,799 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1741% | 953 |
| Cost of funding earning assets | 0.9533% | 1,780 |
| Net interest margin | 4.2208% | 1,261 |
| Noninterest income to average assets | 0.2289% | 4,367 |
| Noninterest expense to average assets | 2.0231% | 4,597 |
| Loan and lease loss provision to assets | 0.1184% | 1,482 |
| Net operating income to assets | 2.0889% | 334 |
| Return on assets (ROA) | 2.0889% | 349 |
| Pretax return on assets | 2.0942% | 535 |
| Return on Equity (ROE) | 17.3737% | 456 |
| Retained earnings to average equity (ytd only) | 0.4157% | 4,452 |
| Net charge-offs to loans | 0.0118% | 2,267 |
| Credit loss provision to net charge-offs | 1,125.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 210.2500% | 371 |
| Efficiency ratio | 47.7640% | 4,953 |
| Assets per employee ($millions) | 7.5205% | 808 |
| Cash dividends to net income (ytd only)* | 97.6071% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 870 |
| Loan loss allowance to noncurrent loans | 1,206.2827% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 4,163 |
| Noncurrent loans to loans | 0.1405% | 4,111 |
| Net loans and leases to total assets | 88.8585% | 72 |
| Net loans and leases to deposits | 112.9638% | 162 |
| Net loans and leases to core deposits | 118.7902% | 562 |
| Total domestic deposits to total assets | 78.6610% | 4,408 |
| Equity capital to assets | 12.1721% | 1,922 |
| Core capital (leverage) ratio | 12.2119% | 1,652 |
| Tier 1 risk-based capital ratio | 12.3697% | 4,251 |
| Total risk-based capital ratio | 13.6232% | 4,118 |
| Memoranda: | ||
| Average total assets | $152,041,500 | 3,364 |
| Average earning assets | $144,333,500 | 3,318 |
| Average equity | $18,280,500 | 3,328 |
| Average total loans | $135,880,500 | 2,844 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 892 |
| Cost of funding earning assets | 0.7786% | 1,643 |
| Net interest margin | 4.3009% | 1,155 |
| Noninterest income to average assets | 0.2400% | 4,479 |
| Noninterest expense to average assets | 1.9960% | 4,759 |
| Loan and lease loss provision to assets | 0.1145% | 1,924 |
| Net operating income to assets | 2.1020% | 297 |
| Return on assets (ROA) | 2.1020% | 294 |
| Pretax return on assets | 2.1033% | 436 |
| Return on Equity (ROE) | 18.1701% | 374 |
| Retained earnings to average equity (ytd only) | 5.4160% | 2,526 |
| Net charge-offs to loans | 0.0045% | 3,556 |
| Credit loss provision to net charge-offs | 2,916.6667% | 170 |
| Earnings coverage of net charge-offs (x) | 565.1667% | 198 |
| Efficiency ratio | 47.3692% | 5,070 |
| Assets per employee ($millions) | 7.6837% | 744 |
| Cash dividends to net income (ytd only)* | 70.1929% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 888 |
| Loan loss allowance to noncurrent loans | 860.4563% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 3,957 |
| Noncurrent loans to loans | 0.1937% | 3,883 |
| Net loans and leases to total assets | 86.9001% | 178 |
| Net loans and leases to deposits | 112.3646% | 197 |
| Net loans and leases to core deposits | 118.1254% | 617 |
| Total domestic deposits to total assets | 77.3376% | 4,583 |
| Equity capital to assets | 11.8778% | 1,986 |
| Core capital (leverage) ratio | 12.0546% | 1,700 |
| Tier 1 risk-based capital ratio | 12.2382% | 4,279 |
| Total risk-based capital ratio | 13.4910% | 4,161 |
| Memoranda: | ||
| Average total assets | $152,904,200 | 3,352 |
| Average earning assets | $141,273,800 | 3,345 |
| Average equity | $17,688,400 | 3,331 |
| Average total loans | $132,756,800 | 2,849 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 812 |
| Cost of funding earning assets | 0.7318% | 1,670 |
| Net interest margin | 4.3347% | 1,044 |
| Noninterest income to average assets | 0.2209% | 4,644 |
| Noninterest expense to average assets | 1.9400% | 4,838 |
| Loan and lease loss provision to assets | 0.1135% | 1,788 |
| Net operating income to assets | 2.1478% | 282 |
| Return on assets (ROA) | 2.1478% | 280 |
| Pretax return on assets | 2.1495% | 432 |
| Return on Equity (ROE) | 18.6919% | 367 |
| Retained earnings to average equity (ytd only) | 5.0681% | 3,200 |
| Net charge-offs to loans | 0.0061% | 3,218 |
| Credit loss provision to net charge-offs | 2,166.6667% | 194 |
| Earnings coverage of net charge-offs (x) | 431.9888% | 218 |
| Efficiency ratio | 46.1570% | 5,141 |
| Assets per employee ($millions) | 7.5249% | 764 |
| Cash dividends to net income (ytd only)* | 72.8862% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 941 |
| Loan loss allowance to noncurrent loans | 1,312.4260% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 4,286 |
| Noncurrent loans to loans | 0.1268% | 4,316 |
| Net loans and leases to total assets | 87.0994% | 181 |
| Net loans and leases to deposits | 116.2610% | 143 |
| Net loans and leases to core deposits | 121.7069% | 525 |
| Total domestic deposits to total assets | 74.9171% | 4,894 |
| Equity capital to assets | 11.9265% | 1,952 |
| Core capital (leverage) ratio | 11.7206% | 1,996 |
| Tier 1 risk-based capital ratio | 12.6435% | 4,128 |
| Total risk-based capital ratio | 13.8968% | 4,014 |
| Memoranda: | ||
| Average total assets | $152,712,000 | 3,386 |
| Average earning assets | $140,290,500 | 3,390 |
| Average equity | $17,547,250 | 3,372 |
| Average total loans | $131,994,750 | 2,872 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 832 |
| Cost of funding earning assets | 0.6931% | 1,658 |
| Net interest margin | 4.3035% | 1,027 |
| Noninterest income to average assets | 0.2177% | 4,719 |
| Noninterest expense to average assets | 1.9498% | 4,884 |
| Loan and lease loss provision to assets | 0.1108% | 1,779 |
| Net operating income to assets | 2.1036% | 312 |
| Return on assets (ROA) | 2.1036% | 308 |
| Pretax return on assets | 2.1062% | 485 |
| Return on Equity (ROE) | 18.5375% | 373 |
| Retained earnings to average equity (ytd only) | 2.8599% | 4,109 |
| Net charge-offs to loans | 0.0061% | 2,928 |
| Credit loss provision to net charge-offs | 2,125.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 425.2500% | 217 |
| Efficiency ratio | 46.7939% | 5,173 |
| Assets per employee ($millions) | 7.7690% | 688 |
| Cash dividends to net income (ytd only)* | 84.5725% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 1,027 |
| Loan loss allowance to noncurrent loans | 1,201.6575% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,304 |
| Noncurrent loans to loans | 0.1356% | 4,297 |
| Net loans and leases to total assets | 84.4973% | 408 |
| Net loans and leases to deposits | 112.1723% | 233 |
| Net loans and leases to core deposits | 117.5916% | 650 |
| Total domestic deposits to total assets | 75.3281% | 4,924 |
| Equity capital to assets | 11.3027% | 2,360 |
| Core capital (leverage) ratio | 11.5806% | 2,001 |
| Tier 1 risk-based capital ratio | 11.9774% | 4,512 |
| Total risk-based capital ratio | 13.2299% | 4,389 |
| Memoranda: | ||
| Average total assets | $153,450,330 | 3,394 |
| Average earning assets | $140,815,000 | 3,401 |
| Average equity | $17,413,330 | 3,401 |
| Average total loans | $131,559,670 | 2,894 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9329% | 811 |
| Cost of funding earning assets | 0.6661% | 1,620 |
| Net interest margin | 4.2667% | 1,014 |
| Noninterest income to average assets | 0.2072% | 4,783 |
| Noninterest expense to average assets | 2.0172% | 4,820 |
| Loan and lease loss provision to assets | 0.1049% | 1,772 |
| Net operating income to assets | 1.9779% | 392 |
| Return on assets (ROA) | 1.9779% | 394 |
| Pretax return on assets | 1.9831% | 586 |
| Return on Equity (ROE) | 17.3943% | 471 |
| Retained earnings to average equity (ytd only) | -0.4845% | 4,856 |
| Net charge-offs to loans | 0.0061% | 2,515 |
| Credit loss provision to net charge-offs | 2,000.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 398.0000% | 168 |
| Efficiency ratio | 49.1374% | 5,130 |
| Assets per employee ($millions) | 7.5494% | 752 |
| Cash dividends to net income (ytd only)* | 102.7851% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 1,099 |
| Loan loss allowance to noncurrent loans | 1,480.5556% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 4,511 |
| Noncurrent loans to loans | 0.1100% | 4,478 |
| Net loans and leases to total assets | 85.3193% | 311 |
| Net loans and leases to deposits | 110.1147% | 254 |
| Net loans and leases to core deposits | 115.4351% | 746 |
| Total domestic deposits to total assets | 77.4822% | 4,805 |
| Equity capital to assets | 11.4593% | 2,163 |
| Core capital (leverage) ratio | 11.5278% | 1,988 |
| Tier 1 risk-based capital ratio | 12.3600% | 4,339 |
| Total risk-based capital ratio | 13.6132% | 4,225 |
| Memoranda: | ||
| Average total assets | $152,486,000 | 3,435 |
| Average earning assets | $139,310,500 | 3,457 |
| Average equity | $17,339,000 | 3,429 |
| Average total loans | $130,606,500 | 2,925 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 805 |
| Cost of funding earning assets | 0.5607% | 1,881 |
| Net interest margin | 4.3351% | 897 |
| Noninterest income to average assets | 0.2247% | 4,800 |
| Noninterest expense to average assets | 1.9682% | 5,012 |
| Loan and lease loss provision to assets | 0.1012% | 2,205 |
| Net operating income to assets | 2.1551% | 212 |
| Return on assets (ROA) | 2.1625% | 209 |
| Pretax return on assets | 2.1638% | 339 |
| Return on Equity (ROE) | 17.9307% | 313 |
| Retained earnings to average equity (ytd only) | -1.5497% | 5,232 |
| Net charge-offs to loans | 0.0374% | 3,044 |
| Credit loss provision to net charge-offs | 319.1489% | 899 |
| Earnings coverage of net charge-offs (x) | 71.1915% | 843 |
| Efficiency ratio | 46.5751% | 5,377 |
| Assets per employee ($millions) | 7.6993% | 700 |
| Cash dividends to net income (ytd only)* | 108.6427% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 1,128 |
| Loan loss allowance to noncurrent loans | 1,414.8649% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,550 |
| Noncurrent loans to loans | 0.1136% | 4,477 |
| Net loans and leases to total assets | 83.2328% | 523 |
| Net loans and leases to deposits | 107.7650% | 330 |
| Net loans and leases to core deposits | 112.4470% | 874 |
| Total domestic deposits to total assets | 77.2354% | 4,835 |
| Equity capital to assets | 11.2842% | 2,375 |
| Core capital (leverage) ratio | 11.4775% | 1,956 |
| Tier 1 risk-based capital ratio | 12.0777% | 4,478 |
| Total risk-based capital ratio | 13.3302% | 4,366 |
| Memoranda: | ||
| Average total assets | $148,209,600 | 3,489 |
| Average earning assets | $136,789,200 | 3,494 |
| Average equity | $17,874,400 | 3,385 |
| Average total loans | $125,698,600 | 2,983 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 735 |
| Cost of funding earning assets | 0.5471% | 1,920 |
| Net interest margin | 4.3687% | 783 |
| Noninterest income to average assets | 0.2344% | 4,810 |
| Noninterest expense to average assets | 1.9441% | 5,055 |
| Loan and lease loss provision to assets | 0.1090% | 1,952 |
| Net operating income to assets | 2.2130% | 208 |
| Return on assets (ROA) | 2.2239% | 206 |
| Pretax return on assets | 2.2257% | 347 |
| Return on Equity (ROE) | 18.1339% | 322 |
| Retained earnings to average equity (ytd only) | 5.0520% | 2,855 |
| Net charge-offs to loans | 0.0011% | 3,752 |
| Credit loss provision to net charge-offs | 12,000.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 2,564.3459% | 27 |
| Efficiency ratio | 45.5513% | 5,433 |
| Assets per employee ($millions) | 7.4344% | 781 |
| Cash dividends to net income (ytd only)* | 72.1406% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 1,099 |
| Loan loss allowance to noncurrent loans | 1,528.9855% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 4,663 |
| Noncurrent loans to loans | 0.1090% | 4,622 |
| Net loans and leases to total assets | 83.6933% | 465 |
| Net loans and leases to deposits | 111.6183% | 230 |
| Net loans and leases to core deposits | 116.8054% | 715 |
| Total domestic deposits to total assets | 74.9817% | 5,127 |
| Equity capital to assets | 12.3952% | 1,720 |
| Core capital (leverage) ratio | 12.1779% | 1,582 |
| Tier 1 risk-based capital ratio | 13.1928% | 3,880 |
| Total risk-based capital ratio | 14.4457% | 3,795 |
| Memoranda: | ||
| Average total assets | $146,765,750 | 3,540 |
| Average earning assets | $135,505,500 | 3,543 |
| Average equity | $17,999,000 | 3,392 |
| Average total loans | $124,558,250 | 3,020 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8833% | 727 |
| Cost of funding earning assets | 0.5200% | 2,013 |
| Net interest margin | 4.3632% | 749 |
| Noninterest income to average assets | 0.2176% | 4,949 |
| Noninterest expense to average assets | 1.9257% | 5,138 |
| Loan and lease loss provision to assets | 0.1232% | 1,678 |
| Net operating income to assets | 2.1967% | 213 |
| Return on assets (ROA) | 2.1967% | 217 |
| Pretax return on assets | 2.1995% | 355 |
| Return on Equity (ROE) | 17.9778% | 334 |
| Retained earnings to average equity (ytd only) | 2.9123% | 3,981 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3286% | 5,480 |
| Assets per employee ($millions) | 7.4153% | 772 |
| Cash dividends to net income (ytd only)* | 83.8006% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 1,149 |
| Loan loss allowance to noncurrent loans | 1,445.1389% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 4,706 |
| Noncurrent loans to loans | 0.1145% | 4,661 |
| Net loans and leases to total assets | 83.4011% | 498 |
| Net loans and leases to deposits | 112.9581% | 210 |
| Net loans and leases to core deposits | 118.5319% | 615 |
| Total domestic deposits to total assets | 73.8337% | 5,308 |
| Equity capital to assets | 12.1621% | 1,820 |
| Core capital (leverage) ratio | 12.1734% | 1,548 |
| Tier 1 risk-based capital ratio | 12.9712% | 4,014 |
| Total risk-based capital ratio | 14.2242% | 3,931 |
| Memoranda: | ||
| Average total assets | $146,125,330 | 3,568 |
| Average earning assets | $134,991,670 | 3,573 |
| Average equity | $17,855,330 | 3,420 |
| Average total loans | $123,894,000 | 3,040 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8627% | 673 |
| Cost of funding earning assets | 0.4746% | 2,313 |
| Net interest margin | 4.3881% | 652 |
| Noninterest income to average assets | 0.2399% | 4,820 |
| Noninterest expense to average assets | 1.9609% | 5,128 |
| Loan and lease loss provision to assets | 0.1655% | 1,082 |
| Net operating income to assets | 2.1622% | 239 |
| Return on assets (ROA) | 2.1622% | 247 |
| Pretax return on assets | 2.1677% | 371 |
| Return on Equity (ROE) | 17.6532% | 363 |
| Retained earnings to average equity (ytd only) | 0.7656% | 4,726 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6647% | 5,544 |
| Assets per employee ($millions) | 7.1948% | 863 |
| Cash dividends to net income (ytd only)* | 95.6633% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 1,209 |
| Loan loss allowance to noncurrent loans | 1,376.5101% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 4,749 |
| Noncurrent loans to loans | 0.1214% | 4,702 |
| Net loans and leases to total assets | 83.8759% | 380 |
| Net loans and leases to deposits | 107.5349% | 271 |
| Net loans and leases to core deposits | 111.4102% | 802 |
| Total domestic deposits to total assets | 77.9987% | 4,965 |
| Equity capital to assets | 12.3652% | 1,627 |
| Core capital (leverage) ratio | 12.1263% | 1,550 |
| Tier 1 risk-based capital ratio | 13.6064% | 3,718 |
| Total risk-based capital ratio | 14.8602% | 3,626 |
| Memoranda: | ||
| Average total assets | $145,035,500 | 3,617 |
| Average earning assets | $134,000,000 | 3,626 |
| Average equity | $17,764,500 | 3,439 |
| Average total loans | $122,956,500 | 3,072 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 877 |
| Cost of funding earning assets | 0.4787% | 2,270 |
| Net interest margin | 4.3290% | 885 |
| Noninterest income to average assets | 0.2412% | 4,980 |
| Noninterest expense to average assets | 1.9749% | 5,239 |
| Loan and lease loss provision to assets | 0.2418% | 877 |
| Net operating income to assets | 2.0212% | 304 |
| Return on assets (ROA) | 2.0396% | 303 |
| Pretax return on assets | 2.0410% | 453 |
| Return on Equity (ROE) | 17.2772% | 379 |
| Retained earnings to average equity (ytd only) | 5.7475% | 1,855 |
| Net charge-offs to loans | 0.0587% | 2,873 |
| Credit loss provision to net charge-offs | 500.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 46.8169% | 1,053 |
| Efficiency ratio | 46.5852% | 5,624 |
| Assets per employee ($millions) | 7.3088% | 797 |
| Cash dividends to net income (ytd only)* | 66.7335% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 1,332 |
| Loan loss allowance to noncurrent loans | 1,284.5161% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 4,794 |
| Noncurrent loans to loans | 0.1258% | 4,736 |
| Net loans and leases to total assets | 82.8986% | 491 |
| Net loans and leases to deposits | 108.7384% | 255 |
| Net loans and leases to core deposits | 114.4821% | 680 |
| Total domestic deposits to total assets | 76.2367% | 5,221 |
| Equity capital to assets | 12.1334% | 1,717 |
| Core capital (leverage) ratio | 11.8744% | 1,685 |
| Tier 1 risk-based capital ratio | 13.5249% | 3,757 |
| Total risk-based capital ratio | 14.7783% | 3,658 |
| Memoranda: | ||
| Average total assets | $146,791,400 | 3,567 |
| Average earning assets | $135,572,600 | 3,562 |
| Average equity | $17,329,200 | 3,509 |
| Average total loans | $120,897,400 | 3,058 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 811 |
| Cost of funding earning assets | 0.4809% | 2,251 |
| Net interest margin | 4.3677% | 822 |
| Noninterest income to average assets | 0.2414% | 5,030 |
| Noninterest expense to average assets | 1.9934% | 5,219 |
| Loan and lease loss provision to assets | 0.2677% | 670 |
| Net operating income to assets | 2.0161% | 334 |
| Return on assets (ROA) | 2.0406% | 332 |
| Pretax return on assets | 2.0424% | 519 |
| Return on Equity (ROE) | 17.4058% | 401 |
| Retained earnings to average equity (ytd only) | 5.0074% | 2,822 |
| Net charge-offs to loans | 0.0587% | 2,513 |
| Credit loss provision to net charge-offs | 556.6038% | 647 |
| Earnings coverage of net charge-offs (x) | 47.5316% | 1,120 |
| Efficiency ratio | 46.5861% | 5,647 |
| Assets per employee ($millions) | 7.2500% | 803 |
| Cash dividends to net income (ytd only)* | 71.2318% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 1,422 |
| Loan loss allowance to noncurrent loans | 672.0690% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 4,543 |
| Noncurrent loans to loans | 0.2405% | 4,408 |
| Net loans and leases to total assets | 81.8014% | 648 |
| Net loans and leases to deposits | 110.3850% | 251 |
| Net loans and leases to core deposits | 116.4495% | 640 |
| Total domestic deposits to total assets | 74.1055% | 5,423 |
| Equity capital to assets | 12.1393% | 2,011 |
| Core capital (leverage) ratio | 11.6487% | 1,926 |
| Tier 1 risk-based capital ratio | 13.4175% | 3,909 |
| Total risk-based capital ratio | 14.6706% | 3,816 |
| Memoranda: | ||
| Average total assets | $146,945,500 | 3,581 |
| Average earning assets | $135,841,000 | 3,572 |
| Average equity | $17,227,500 | 3,551 |
| Average total loans | $120,329,750 | 3,066 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 906 |
| Cost of funding earning assets | 0.4666% | 2,413 |
| Net interest margin | 4.3224% | 881 |
| Noninterest income to average assets | 0.2385% | 5,059 |
| Noninterest expense to average assets | 1.9730% | 5,329 |
| Loan and lease loss provision to assets | 0.3184% | 543 |
| Net operating income to assets | 1.9486% | 361 |
| Return on assets (ROA) | 1.9852% | 355 |
| Pretax return on assets | 1.9879% | 580 |
| Return on Equity (ROE) | 17.1318% | 427 |
| Retained earnings to average equity (ytd only) | 2.4908% | 4,297 |
| Net charge-offs to loans | 0.0782% | 2,075 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 35.6383% | 1,245 |
| Efficiency ratio | 46.5027% | 5,734 |
| Assets per employee ($millions) | 7.4373% | 722 |
| Cash dividends to net income (ytd only)* | 85.4608% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 1,621 |
| Loan loss allowance to noncurrent loans | 952.2613% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,882 |
| Noncurrent loans to loans | 0.1647% | 4,781 |
| Net loans and leases to total assets | 79.9469% | 917 |
| Net loans and leases to deposits | 108.5891% | 289 |
| Net loans and leases to core deposits | 113.9980% | 723 |
| Total domestic deposits to total assets | 73.6233% | 5,557 |
| Equity capital to assets | 11.5984% | 2,443 |
| Core capital (leverage) ratio | 11.3353% | 2,114 |
| Tier 1 risk-based capital ratio | 12.7191% | 4,375 |
| Total risk-based capital ratio | 13.9711% | 4,277 |
| Memoranda: | ||
| Average total assets | $147,594,000 | 3,594 |
| Average earning assets | $136,729,000 | 3,585 |
| Average equity | $17,102,670 | 3,577 |
| Average total loans | $120,252,670 | 3,075 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7543% | 938 |
| Cost of funding earning assets | 0.4498% | 2,589 |
| Net interest margin | 4.3044% | 924 |
| Noninterest income to average assets | 0.2911% | 4,642 |
| Noninterest expense to average assets | 1.8800% | 5,551 |
| Loan and lease loss provision to assets | 0.3673% | 399 |
| Net operating income to assets | 2.0215% | 319 |
| Return on assets (ROA) | 2.0215% | 333 |
| Pretax return on assets | 2.0270% | 537 |
| Return on Equity (ROE) | 17.4536% | 398 |
| Retained earnings to average equity (ytd only) | -0.1644% | 5,134 |
| Net charge-offs to loans | -0.0033% | 4,195 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9847% | 5,875 |
| Assets per employee ($millions) | 7.3795% | 745 |
| Cash dividends to net income (ytd only)* | 100.9421% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 1,917 |
| Loan loss allowance to noncurrent loans | 639.9306% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 4,685 |
| Noncurrent loans to loans | 0.2367% | 4,585 |
| Net loans and leases to total assets | 81.1937% | 661 |
| Net loans and leases to deposits | 108.7986% | 252 |
| Net loans and leases to core deposits | 114.6201% | 644 |
| Total domestic deposits to total assets | 74.6275% | 5,555 |
| Equity capital to assets | 11.5435% | 2,401 |
| Core capital (leverage) ratio | 11.5083% | 1,966 |
| Tier 1 risk-based capital ratio | 12.3579% | 4,688 |
| Total risk-based capital ratio | 13.6090% | 4,582 |
| Memoranda: | ||
| Average total assets | $147,018,500 | 3,619 |
| Average earning assets | $136,045,500 | 3,618 |
| Average equity | $17,028,000 | 3,584 |
| Average total loans | $119,973,000 | 3,088 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7001% | 1,106 |
| Cost of funding earning assets | 0.4177% | 2,966 |
| Net interest margin | 4.2824% | 997 |
| Noninterest income to average assets | 0.2192% | 5,281 |
| Noninterest expense to average assets | 1.9339% | 5,574 |
| Loan and lease loss provision to assets | 0.1172% | 2,034 |
| Net operating income to assets | 2.1234% | 281 |
| Return on assets (ROA) | 2.0834% | 307 |
| Pretax return on assets | 2.0848% | 449 |
| Return on Equity (ROE) | 18.3146% | 361 |
| Retained earnings to average equity (ytd only) | 6.4219% | 1,586 |
| Net charge-offs to loans | 0.0107% | 4,096 |
| Credit loss provision to net charge-offs | 1,416.6667% | 242 |
| Earnings coverage of net charge-offs (x) | 271.0833% | 268 |
| Efficiency ratio | 46.3113% | 5,917 |
| Assets per employee ($millions) | 7.3224% | 776 |
| Cash dividends to net income (ytd only)* | 64.9355% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 2,237 |
| Loan loss allowance to noncurrent loans | 702.4691% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 4,843 |
| Noncurrent loans to loans | 0.2055% | 4,678 |
| Net loans and leases to total assets | 79.5934% | 905 |
| Net loans and leases to deposits | 104.3069% | 423 |
| Net loans and leases to core deposits | 109.4786% | 889 |
| Total domestic deposits to total assets | 76.3069% | 5,411 |
| Equity capital to assets | 11.6212% | 2,261 |
| Core capital (leverage) ratio | 11.4238% | 2,020 |
| Tier 1 risk-based capital ratio | 11.4473% | 5,286 |
| Total risk-based capital ratio | 12.6265% | 5,221 |
| Memoranda: | ||
| Average total assets | $145,098,600 | 3,645 |
| Average earning assets | $134,060,400 | 3,626 |
| Average equity | $16,506,000 | 3,601 |
| Average total loans | $112,035,200 | 3,167 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 1,130 |
| Cost of funding earning assets | 0.4121% | 3,097 |
| Net interest margin | 4.2703% | 1,017 |
| Noninterest income to average assets | 0.2210% | 5,331 |
| Noninterest expense to average assets | 1.8531% | 5,709 |
| Loan and lease loss provision to assets | 0.1013% | 2,157 |
| Net operating income to assets | 2.2160% | 255 |
| Return on assets (ROA) | 2.1626% | 291 |
| Pretax return on assets | 2.1644% | 447 |
| Return on Equity (ROE) | 19.1149% | 330 |
| Retained earnings to average equity (ytd only) | 6.3337% | 2,047 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4150% | 6,025 |
| Assets per employee ($millions) | 7.1112% | 827 |
| Cash dividends to net income (ytd only)* | 66.8654% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 2,323 |
| Loan loss allowance to noncurrent loans | 485.0877% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 4,707 |
| Noncurrent loans to loans | 0.3012% | 4,523 |
| Net loans and leases to total assets | 78.6618% | 999 |
| Net loans and leases to deposits | 103.8620% | 451 |
| Net loans and leases to core deposits | 108.4953% | 956 |
| Total domestic deposits to total assets | 75.7369% | 5,534 |
| Equity capital to assets | 11.8208% | 2,246 |
| Core capital (leverage) ratio | 11.3149% | 2,179 |
| Tier 1 risk-based capital ratio | 11.9022% | 5,139 |
| Total risk-based capital ratio | 13.1144% | 5,083 |
| Memoranda: | ||
| Average total assets | $144,761,250 | 3,684 |
| Average earning assets | $133,944,750 | 3,665 |
| Average equity | $16,377,750 | 3,649 |
| Average total loans | $110,476,500 | 3,221 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 1,191 |
| Cost of funding earning assets | 0.4023% | 3,256 |
| Net interest margin | 4.2366% | 1,032 |
| Noninterest income to average assets | 0.2294% | 5,322 |
| Noninterest expense to average assets | 1.9202% | 5,679 |
| Loan and lease loss provision to assets | 0.0824% | 2,466 |
| Net operating income to assets | 2.1441% | 283 |
| Return on assets (ROA) | 2.0645% | 341 |
| Pretax return on assets | 2.0672% | 519 |
| Return on Equity (ROE) | 18.5178% | 374 |
| Retained earnings to average equity (ytd only) | 3.5114% | 3,795 |
| Net charge-offs to loans | 0.0018% | 3,838 |
| Credit loss provision to net charge-offs | 6,000.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 1,623.0000% | 34 |
| Efficiency ratio | 46.2761% | 6,031 |
| Assets per employee ($millions) | 7.1481% | 784 |
| Cash dividends to net income (ytd only)* | 81.0379% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 2,535 |
| Loan loss allowance to noncurrent loans | 523.7785% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 4,924 |
| Noncurrent loans to loans | 0.2760% | 4,684 |
| Net loans and leases to total assets | 76.6833% | 1,277 |
| Net loans and leases to deposits | 101.4802% | 571 |
| Net loans and leases to core deposits | 106.2987% | 1,057 |
| Total domestic deposits to total assets | 75.5648% | 5,649 |
| Equity capital to assets | 11.4863% | 2,426 |
| Core capital (leverage) ratio | 11.1710% | 2,267 |
| Tier 1 risk-based capital ratio | 12.1631% | 5,027 |
| Total risk-based capital ratio | 13.4013% | 4,938 |
| Memoranda: | ||
| Average total assets | $145,607,000 | 3,701 |
| Average earning assets | $134,731,670 | 3,687 |
| Average equity | $16,233,000 | 3,690 |
| Average total loans | $109,457,000 | 3,261 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 1,319 |
| Cost of funding earning assets | 0.4062% | 3,238 |
| Net interest margin | 4.1502% | 1,164 |
| Noninterest income to average assets | 0.1797% | 5,640 |
| Noninterest expense to average assets | 1.7042% | 6,006 |
| Loan and lease loss provision to assets | 0.0817% | 2,336 |
| Net operating income to assets | 2.2269% | 221 |
| Return on assets (ROA) | 2.2596% | 222 |
| Pretax return on assets | 2.2650% | 343 |
| Return on Equity (ROE) | 20.5713% | 245 |
| Retained earnings to average equity (ytd only) | 3.2220% | 4,055 |
| Net charge-offs to loans | 0.0037% | 3,192 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 850.0000% | 48 |
| Efficiency ratio | 42.4119% | 6,223 |
| Assets per employee ($millions) | 7.1484% | 808 |
| Cash dividends to net income (ytd only)* | 84.3373% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 2,590 |
| Loan loss allowance to noncurrent loans | 499.3671% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 4,667 |
| Noncurrent loans to loans | 0.2936% | 4,732 |
| Net loans and leases to total assets | 74.1877% | 1,474 |
| Net loans and leases to deposits | 93.7027% | 1,013 |
| Net loans and leases to core deposits | 97.9833% | 1,477 |
| Total domestic deposits to total assets | 79.1735% | 5,238 |
| Equity capital to assets | 11.3942% | 2,559 |
| Core capital (leverage) ratio | 10.7374% | 2,706 |
| Tier 1 risk-based capital ratio | 12.3817% | 4,986 |
| Total risk-based capital ratio | 13.6308% | 4,900 |
| Memoranda: | ||
| Average total assets | $146,929,500 | 3,700 |
| Average earning assets | $135,898,500 | 3,687 |
| Average equity | $16,139,000 | 3,724 |
| Average total loans | $108,567,500 | 3,286 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 1,624 |
| Cost of funding earning assets | 0.4185% | 3,495 |
| Net interest margin | 4.1563% | 1,413 |
| Noninterest income to average assets | 0.1798% | 5,778 |
| Noninterest expense to average assets | 1.9539% | 5,854 |
| Loan and lease loss provision to assets | 0.0635% | 3,247 |
| Net operating income to assets | 1.9835% | 335 |
| Return on assets (ROA) | 1.9941% | 342 |
| Pretax return on assets | 1.9962% | 519 |
| Return on Equity (ROE) | 18.5341% | 353 |
| Retained earnings to average equity (ytd only) | 6.5472% | 1,619 |
| Net charge-offs to loans | 0.0611% | 3,624 |
| Credit loss provision to net charge-offs | 150.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 48.4333% | 951 |
| Efficiency ratio | 48.8110% | 6,151 |
| Assets per employee ($millions) | 7.5446% | 648 |
| Cash dividends to net income (ytd only)* | 64.6747% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 2,884 |
| Loan loss allowance to noncurrent loans | 429.0859% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 4,955 |
| Noncurrent loans to loans | 0.3297% | 4,660 |
| Net loans and leases to total assets | 71.5373% | 1,986 |
| Net loans and leases to deposits | 94.4855% | 1,033 |
| Net loans and leases to core deposits | 98.7576% | 1,485 |
| Total domestic deposits to total assets | 75.7124% | 5,783 |
| Equity capital to assets | 10.5957% | 3,362 |
| Core capital (leverage) ratio | 10.6577% | 2,774 |
| Tier 1 risk-based capital ratio | 12.7082% | 4,914 |
| Total risk-based capital ratio | 13.9585% | 4,826 |
| Memoranda: | ||
| Average total assets | $141,819,200 | 3,763 |
| Average earning assets | $130,451,600 | 3,762 |
| Average equity | $15,258,400 | 3,786 |
| Average total loans | $98,239,400 | 3,461 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 1,703 |
| Cost of funding earning assets | 0.4104% | 3,679 |
| Net interest margin | 4.1401% | 1,463 |
| Noninterest income to average assets | 0.1920% | 5,766 |
| Noninterest expense to average assets | 1.9042% | 5,946 |
| Loan and lease loss provision to assets | 0.0860% | 2,638 |
| Net operating income to assets | 2.0064% | 343 |
| Return on assets (ROA) | 2.0064% | 355 |
| Pretax return on assets | 2.0093% | 553 |
| Return on Equity (ROE) | 18.5721% | 391 |
| Retained earnings to average equity (ytd only) | 5.9431% | 2,450 |
| Net charge-offs to loans | 0.0056% | 4,498 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 548.5797% | 140 |
| Efficiency ratio | 47.6111% | 6,216 |
| Assets per employee ($millions) | 7.1565% | 752 |
| Cash dividends to net income (ytd only)* | 67.9999% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 2,380 |
| Loan loss allowance to noncurrent loans | 629.4118% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 5,260 |
| Noncurrent loans to loans | 0.2507% | 5,153 |
| Net loans and leases to total assets | 69.9397% | 2,204 |
| Net loans and leases to deposits | 86.6784% | 1,832 |
| Net loans and leases to core deposits | 89.2590% | 2,291 |
| Total domestic deposits to total assets | 80.6887% | 4,920 |
| Equity capital to assets | 10.9440% | 3,010 |
| Core capital (leverage) ratio | 10.7449% | 2,766 |
| Tier 1 risk-based capital ratio | 13.2863% | 4,679 |
| Total risk-based capital ratio | 14.5385% | 4,614 |
| Memoranda: | ||
| Average total assets | $139,551,000 | 3,834 |
| Average earning assets | $128,333,750 | 3,829 |
| Average equity | $15,076,000 | 3,842 |
| Average total loans | $95,426,000 | 3,548 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 1,821 |
| Cost of funding earning assets | 0.4143% | 3,712 |
| Net interest margin | 4.0879% | 1,549 |
| Noninterest income to average assets | 0.1937% | 5,804 |
| Noninterest expense to average assets | 1.9312% | 5,947 |
| Loan and lease loss provision to assets | 0.1301% | 1,897 |
| Net operating income to assets | 1.8792% | 430 |
| Return on assets (ROA) | 1.8792% | 442 |
| Pretax return on assets | 1.8835% | 712 |
| Return on Equity (ROE) | 17.4731% | 506 |
| Retained earnings to average equity (ytd only) | 2.8629% | 4,382 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9557% | 6,228 |
| Assets per employee ($millions) | 6.9963% | 800 |
| Cash dividends to net income (ytd only)* | 83.6154% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 2,285 |
| Loan loss allowance to noncurrent loans | 614.1221% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 5,343 |
| Noncurrent loans to loans | 0.2690% | 5,209 |
| Net loans and leases to total assets | 68.4590% | 2,333 |
| Net loans and leases to deposits | 80.6282% | 2,429 |
| Net loans and leases to core deposits | 83.2337% | 2,820 |
| Total domestic deposits to total assets | 84.9070% | 3,559 |
| Equity capital to assets | 10.8750% | 3,006 |
| Core capital (leverage) ratio | 10.8388% | 2,589 |
| Tier 1 risk-based capital ratio | 13.4177% | 4,637 |
| Total risk-based capital ratio | 14.6706% | 4,582 |
| Memoranda: | ||
| Average total assets | $138,358,330 | 3,881 |
| Average earning assets | $126,959,000 | 3,876 |
| Average equity | $14,880,000 | 3,876 |
| Average total loans | $93,331,670 | 3,612 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4387% | 1,995 |
| Cost of funding earning assets | 0.4261% | 3,682 |
| Net interest margin | 4.0127% | 1,716 |
| Noninterest income to average assets | 0.1803% | 5,887 |
| Noninterest expense to average assets | 1.9277% | 6,018 |
| Loan and lease loss provision to assets | 0.1745% | 1,387 |
| Net operating income to assets | 1.7387% | 535 |
| Return on assets (ROA) | 1.7387% | 552 |
| Pretax return on assets | 1.7474% | 884 |
| Return on Equity (ROE) | 16.2594% | 616 |
| Retained earnings to average equity (ytd only) | -1.4139% | 5,781 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0755% | 6,249 |
| Assets per employee ($millions) | 6.8892% | 845 |
| Cash dividends to net income (ytd only)* | 108.6957% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 2,278 |
| Loan loss allowance to noncurrent loans | 572.1014% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 5,390 |
| Noncurrent loans to loans | 0.3011% | 5,211 |
| Net loans and leases to total assets | 65.3709% | 2,661 |
| Net loans and leases to deposits | 74.0287% | 3,056 |
| Net loans and leases to core deposits | 76.7350% | 3,336 |
| Total domestic deposits to total assets | 88.3048% | 2,056 |
| Equity capital to assets | 10.7132% | 3,024 |
| Core capital (leverage) ratio | 13.0093% | 1,155 |
| Tier 1 risk-based capital ratio | 13.8345% | 4,446 |
| Total risk-based capital ratio | 15.0869% | 4,393 |
| Memoranda: | ||
| Average total assets | $137,574,500 | 3,930 |
| Average earning assets | $125,802,000 | 3,928 |
| Average equity | $14,711,500 | 3,912 |
| Average total loans | $91,297,000 | 3,678 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0288% | 871 |
| Cost of funding earning assets | 0.5717% | 2,912 |
| Net interest margin | 4.4571% | 809 |
| Noninterest income to average assets | 0.2764% | 5,377 |
| Noninterest expense to average assets | 1.9757% | 6,068 |
| Loan and lease loss provision to assets | 0.1442% | 2,501 |
| Net operating income to assets | 2.1560% | 260 |
| Return on assets (ROA) | 2.1560% | 264 |
| Pretax return on assets | 2.1572% | 333 |
| Return on Equity (ROE) | 18.9356% | 342 |
| Retained earnings to average equity (ytd only) | 6.3435% | 1,778 |
| Net charge-offs to loans | 0.0915% | 3,928 |
| Credit loss provision to net charge-offs | 210.5263% | 1,093 |
| Earnings coverage of net charge-offs (x) | 33.5965% | 1,079 |
| Efficiency ratio | 46.1928% | 6,547 |
| Assets per employee ($millions) | 7.0196% | 755 |
| Cash dividends to net income (ytd only)* | 66.4994% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 2,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 6,217 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 77.2767% | 919 |
| Net loans and leases to deposits | 90.3105% | 1,210 |
| Net loans and leases to core deposits | 92.4999% | 1,733 |
| Total domestic deposits to total assets | 85.5678% | 3,475 |
| Equity capital to assets | 11.5926% | 2,103 |
| Core capital (leverage) ratio | 11.4822% | 1,977 |
| Tier 1 risk-based capital ratio | 13.8276% | 4,414 |
| Total risk-based capital ratio | 15.0831% | 4,361 |
| Memoranda: | ||
| Average total assets | $83,209,600 | 5,155 |
| Average earning assets | $74,690,000 | 5,180 |
| Average equity | $9,474,200 | 4,984 |
| Average total loans | $62,297,400 | 4,535 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 962 |
| Cost of funding earning assets | 0.5998% | 2,810 |
| Net interest margin | 4.3884% | 922 |
| Noninterest income to average assets | 0.2813% | 5,433 |
| Noninterest expense to average assets | 1.9111% | 6,168 |
| Loan and lease loss provision to assets | 0.1447% | 2,474 |
| Net operating income to assets | 2.1634% | 279 |
| Return on assets (ROA) | 2.1634% | 286 |
| Pretax return on assets | 2.1650% | 422 |
| Return on Equity (ROE) | 19.0887% | 367 |
| Retained earnings to average equity (ytd only) | 5.2331% | 2,912 |
| Net charge-offs to loans | 0.1240% | 3,299 |
| Credit loss provision to net charge-offs | 157.8947% | 1,497 |
| Earnings coverage of net charge-offs (x) | 25.2099% | 1,394 |
| Efficiency ratio | 45.2780% | 6,620 |
| Assets per employee ($millions) | 7.0432% | 734 |
| Cash dividends to net income (ytd only)* | 72.5853% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 2,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 6,296 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 72.5680% | 1,518 |
| Net loans and leases to deposits | 83.2108% | 1,976 |
| Net loans and leases to core deposits | 85.2060% | 2,506 |
| Total domestic deposits to total assets | 87.2098% | 2,561 |
| Equity capital to assets | 11.3147% | 2,457 |
| Core capital (leverage) ratio | 11.5447% | 2,004 |
| Tier 1 risk-based capital ratio | 14.0161% | 4,420 |
| Total risk-based capital ratio | 15.2708% | 4,367 |
| Memoranda: | ||
| Average total assets | $82,953,250 | 5,218 |
| Average earning assets | $74,467,250 | 5,234 |
| Average equity | $9,401,500 | 5,054 |
| Average total loans | $61,312,250 | 4,609 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 912 |
| Cost of funding earning assets | 0.6495% | 2,501 |
| Net interest margin | 4.3490% | 939 |
| Noninterest income to average assets | 0.2645% | 5,564 |
| Noninterest expense to average assets | 1.9070% | 6,207 |
| Loan and lease loss provision to assets | 0.1456% | 2,519 |
| Net operating income to assets | 2.1084% | 300 |
| Return on assets (ROA) | 2.1084% | 315 |
| Pretax return on assets | 2.1108% | 489 |
| Return on Equity (ROE) | 18.5929% | 421 |
| Retained earnings to average equity (ytd only) | 1.9256% | 5,042 |
| Net charge-offs to loans | 0.1871% | 2,625 |
| Credit loss provision to net charge-offs | 105.2632% | 2,102 |
| Earnings coverage of net charge-offs (x) | 16.3158% | 1,674 |
| Efficiency ratio | 45.8042% | 6,648 |
| Assets per employee ($millions) | 6.5963% | 867 |
| Cash dividends to net income (ytd only)* | 89.6433% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 2,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 6,327 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 75.3913% | 1,056 |
| Net loans and leases to deposits | 86.8887% | 1,468 |
| Net loans and leases to core deposits | 89.1245% | 1,994 |
| Total domestic deposits to total assets | 86.7677% | 2,970 |
| Equity capital to assets | 11.7099% | 2,122 |
| Core capital (leverage) ratio | 11.1844% | 2,185 |
| Tier 1 risk-based capital ratio | 14.2396% | 4,265 |
| Total risk-based capital ratio | 15.4954% | 4,216 |
| Memoranda: | ||
| Average total assets | $82,431,670 | 5,264 |
| Average earning assets | $73,901,670 | 5,282 |
| Average equity | $9,347,670 | 5,096 |
| Average total loans | $60,934,000 | 4,648 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 1,092 |
| Cost of funding earning assets | 0.7019% | 2,188 |
| Net interest margin | 4.1954% | 1,198 |
| Noninterest income to average assets | 0.2427% | 5,720 |
| Noninterest expense to average assets | 1.8223% | 6,409 |
| Loan and lease loss provision to assets | 0.1427% | 2,457 |
| Net operating income to assets | 2.0269% | 326 |
| Return on assets (ROA) | 2.0269% | 357 |
| Pretax return on assets | 2.0316% | 560 |
| Return on Equity (ROE) | 18.1528% | 425 |
| Retained earnings to average equity (ytd only) | -2.0880% | 6,086 |
| Net charge-offs to loans | 0.3736% | 1,523 |
| Credit loss provision to net charge-offs | 52.6316% | 2,562 |
| Earnings coverage of net charge-offs (x) | 8.0175% | 1,990 |
| Efficiency ratio | 45.5952% | 6,704 |
| Assets per employee ($millions) | 6.0027% | 1,251 |
| Cash dividends to net income (ytd only)* | 111.5023% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 2,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 6,438 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 67.8538% | 2,041 |
| Net loans and leases to deposits | 79.7591% | 2,107 |
| Net loans and leases to core deposits | 82.1397% | 2,552 |
| Total domestic deposits to total assets | 85.0734% | 4,006 |
| Equity capital to assets | 11.1271% | 2,819 |
| Core capital (leverage) ratio | 10.5685% | 2,689 |
| Tier 1 risk-based capital ratio | 14.4054% | 4,238 |
| Total risk-based capital ratio | 15.6616% | 4,203 |
| Memoranda: | ||
| Average total assets | $84,070,000 | 5,265 |
| Average earning assets | $75,226,000 | 5,287 |
| Average equity | $9,387,000 | 5,138 |
| Average total loans | $61,021,000 | 4,669 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5439% | 571 |
| Cost of funding earning assets | 0.8438% | 2,337 |
| Net interest margin | 4.7000% | 649 |
| Noninterest income to average assets | 0.3087% | 5,242 |
| Noninterest expense to average assets | 2.0474% | 6,242 |
| Loan and lease loss provision to assets | 0.1544% | 3,682 |
| Net operating income to assets | 2.2943% | 213 |
| Return on assets (ROA) | 2.2943% | 231 |
| Pretax return on assets | 2.2956% | 344 |
| Return on Equity (ROE) | 20.4639% | 283 |
| Retained earnings to average equity (ytd only) | 7.8199% | 1,188 |
| Net charge-offs to loans | 0.0230% | 5,578 |
| Credit loss provision to net charge-offs | 892.8571% | 286 |
| Earnings coverage of net charge-offs (x) | 141.7143% | 295 |
| Efficiency ratio | 45.5244% | 6,797 |
| Assets per employee ($millions) | 6.0073% | 1,270 |
| Cash dividends to net income (ytd only)* | 61.7869% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 2,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 6,359 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 74.7711% | 1,085 |
| Net loans and leases to deposits | 91.7573% | 933 |
| Net loans and leases to core deposits | 94.6179% | 1,418 |
| Total domestic deposits to total assets | 81.4880% | 5,262 |
| Equity capital to assets | 11.2043% | 2,729 |
| Core capital (leverage) ratio | 11.0448% | 2,217 |
| Tier 1 risk-based capital ratio | 13.3452% | 4,862 |
| Total risk-based capital ratio | 14.5994% | 4,813 |
| Memoranda: | ||
| Average total assets | $80,982,400 | 5,327 |
| Average earning assets | $72,170,000 | 5,361 |
| Average equity | $9,079,400 | 5,203 |
| Average total loans | $60,862,800 | 4,679 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6097% | 548 |
| Cost of funding earning assets | 0.8729% | 2,374 |
| Net interest margin | 4.7368% | 623 |
| Noninterest income to average assets | 0.3175% | 5,245 |
| Noninterest expense to average assets | 2.0248% | 6,316 |
| Loan and lease loss provision to assets | 0.1496% | 3,668 |
| Net operating income to assets | 2.3723% | 218 |
| Return on assets (ROA) | 2.3723% | 236 |
| Pretax return on assets | 2.3739% | 357 |
| Return on Equity (ROE) | 21.1555% | 276 |
| Retained earnings to average equity (ytd only) | 7.3384% | 1,927 |
| Net charge-offs to loans | 0.0488% | 4,972 |
| Credit loss provision to net charge-offs | 409.0909% | 659 |
| Earnings coverage of net charge-offs (x) | 69.0061% | 591 |
| Efficiency ratio | 44.5175% | 6,881 |
| Assets per employee ($millions) | 5.6525% | 1,496 |
| Cash dividends to net income (ytd only)* | 65.3120% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 3,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 6,452 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 74.3653% | 1,194 |
| Net loans and leases to deposits | 88.2413% | 1,320 |
| Net loans and leases to core deposits | 91.7780% | 1,801 |
| Total domestic deposits to total assets | 84.2750% | 4,092 |
| Equity capital to assets | 11.7078% | 2,529 |
| Core capital (leverage) ratio | 11.1168% | 2,285 |
| Tier 1 risk-based capital ratio | 13.9081% | 4,601 |
| Total risk-based capital ratio | 15.1629% | 4,555 |
| Memoranda: | ||
| Average total assets | $80,202,500 | 5,396 |
| Average earning assets | $71,635,750 | 5,441 |
| Average equity | $8,993,500 | 5,275 |
| Average total loans | $60,087,250 | 4,763 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 529 |
| Cost of funding earning assets | 0.8923% | 2,461 |
| Net interest margin | 4.7643% | 598 |
| Noninterest income to average assets | 0.2805% | 5,565 |
| Noninterest expense to average assets | 2.0283% | 6,376 |
| Loan and lease loss provision to assets | 0.1490% | 3,657 |
| Net operating income to assets | 2.3561% | 218 |
| Return on assets (ROA) | 2.3561% | 252 |
| Pretax return on assets | 2.3585% | 375 |
| Return on Equity (ROE) | 21.3187% | 273 |
| Retained earnings to average equity (ytd only) | 4.8074% | 3,408 |
| Net charge-offs to loans | 0.0765% | 4,382 |
| Credit loss provision to net charge-offs | 260.8696% | 1,103 |
| Earnings coverage of net charge-offs (x) | 43.9130% | 815 |
| Efficiency ratio | 44.7181% | 6,929 |
| Assets per employee ($millions) | 5.6875% | 1,453 |
| Cash dividends to net income (ytd only)* | 77.4499% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 3,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 6,241 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 73.5510% | 1,320 |
| Net loans and leases to deposits | 90.1305% | 1,134 |
| Net loans and leases to core deposits | 93.9912% | 1,605 |
| Total domestic deposits to total assets | 81.6050% | 5,266 |
| Equity capital to assets | 11.3005% | 2,786 |
| Core capital (leverage) ratio | 10.6944% | 2,603 |
| Tier 1 risk-based capital ratio | 13.6384% | 4,712 |
| Total risk-based capital ratio | 14.8937% | 4,678 |
| Memoranda: | ||
| Average total assets | $80,558,330 | 5,418 |
| Average earning assets | $71,952,000 | 5,461 |
| Average equity | $8,903,000 | 5,293 |
| Average total loans | $60,154,000 | 4,786 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6544% | 564 |
| Cost of funding earning assets | 0.9286% | 2,452 |
| Net interest margin | 4.7258% | 656 |
| Noninterest income to average assets | 0.2765% | 5,655 |
| Noninterest expense to average assets | 1.9006% | 6,647 |
| Loan and lease loss provision to assets | 0.1481% | 3,509 |
| Net operating income to assets | 2.4437% | 196 |
| Return on assets (ROA) | 2.4437% | 240 |
| Pretax return on assets | 2.4486% | 360 |
| Return on Equity (ROE) | 22.3590% | 264 |
| Retained earnings to average equity (ytd only) | 4.2911% | 4,016 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2613% | 7,048 |
| Assets per employee ($millions) | 5.6523% | 1,564 |
| Cash dividends to net income (ytd only)* | 80.8081% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 3,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 6,345 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 74.4490% | 994 |
| Net loans and leases to deposits | 88.4248% | 1,117 |
| Net loans and leases to core deposits | 91.5424% | 1,697 |
| Total domestic deposits to total assets | 84.1948% | 4,402 |
| Equity capital to assets | 11.2357% | 2,686 |
| Core capital (leverage) ratio | 10.3605% | 2,915 |
| Tier 1 risk-based capital ratio | 13.4590% | 4,855 |
| Total risk-based capital ratio | 14.7138% | 4,841 |
| Memoranda: | ||
| Average total assets | $81,025,000 | 5,443 |
| Average earning assets | $72,368,000 | 5,484 |
| Average equity | $8,855,500 | 5,326 |
| Average total loans | $60,445,000 | 4,796 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7328% | 731 |
| Cost of funding earning assets | 1.1505% | 2,351 |
| Net interest margin | 4.5823% | 954 |
| Noninterest income to average assets | 0.4239% | 4,417 |
| Noninterest expense to average assets | 2.0450% | 6,592 |
| Loan and lease loss provision to assets | 0.1708% | 4,499 |
| Net operating income to assets | 2.2893% | 193 |
| Return on assets (ROA) | 2.2893% | 204 |
| Pretax return on assets | 2.2905% | 309 |
| Return on Equity (ROE) | 18.8819% | 321 |
| Retained earnings to average equity (ytd only) | -9.4984% | 6,685 |
| Net charge-offs to loans | 0.1923% | 4,601 |
| Credit loss provision to net charge-offs | 125.0000% | 2,500 |
| Earnings coverage of net charge-offs (x) | 18.0093% | 1,240 |
| Efficiency ratio | 45.3805% | 7,075 |
| Assets per employee ($millions) | 5.9227% | 1,293 |
| Cash dividends to net income (ytd only)* | 150.3040% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 3,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 6,338 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 72.3691% | 1,577 |
| Net loans and leases to deposits | 89.3094% | 1,224 |
| Net loans and leases to core deposits | 92.4251% | 1,850 |
| Total domestic deposits to total assets | 81.0319% | 5,435 |
| Equity capital to assets | 10.6370% | 3,382 |
| Core capital (leverage) ratio | 10.0767% | 3,247 |
| Tier 1 risk-based capital ratio | 12.8605% | 5,188 |
| Total risk-based capital ratio | 14.1140% | 5,160 |
| Memoranda: | ||
| Average total assets | $79,021,000 | 5,479 |
| Average earning assets | $70,401,800 | 5,525 |
| Average equity | $9,580,600 | 5,129 |
| Average total loans | $56,165,800 | 5,021 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7505% | 773 |
| Cost of funding earning assets | 1.1884% | 2,396 |
| Net interest margin | 4.5620% | 1,018 |
| Noninterest income to average assets | 0.4681% | 4,145 |
| Noninterest expense to average assets | 1.9475% | 6,789 |
| Loan and lease loss provision to assets | 0.1538% | 4,542 |
| Net operating income to assets | 2.4310% | 171 |
| Return on assets (ROA) | 2.4310% | 180 |
| Pretax return on assets | 2.4327% | 276 |
| Return on Equity (ROE) | 19.4181% | 347 |
| Retained earnings to average equity (ytd only) | 6.0451% | 2,535 |
| Net charge-offs to loans | 0.2450% | 3,895 |
| Credit loss provision to net charge-offs | 89.1089% | 3,797 |
| Earnings coverage of net charge-offs (x) | 14.9905% | 1,499 |
| Efficiency ratio | 42.9540% | 7,179 |
| Assets per employee ($millions) | 5.7619% | 1,387 |
| Cash dividends to net income (ytd only)* | 68.8682% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 6,398 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 69.9332% | 2,097 |
| Net loans and leases to deposits | 85.1363% | 1,813 |
| Net loans and leases to core deposits | 88.4244% | 2,433 |
| Total domestic deposits to total assets | 82.1426% | 5,035 |
| Equity capital to assets | 12.6409% | 1,826 |
| Core capital (leverage) ratio | 12.1954% | 1,597 |
| Tier 1 risk-based capital ratio | 15.8777% | 3,175 |
| Total risk-based capital ratio | 17.1310% | 3,132 |
| Memoranda: | ||
| Average total assets | $78,046,750 | 5,551 |
| Average earning assets | $69,557,750 | 5,596 |
| Average equity | $9,770,750 | 5,102 |
| Average total loans | $54,963,000 | 5,119 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 894 |
| Cost of funding earning assets | 1.2195% | 2,444 |
| Net interest margin | 4.4688% | 1,204 |
| Noninterest income to average assets | 0.5676% | 3,350 |
| Noninterest expense to average assets | 1.9981% | 6,799 |
| Loan and lease loss provision to assets | 0.1555% | 4,368 |
| Net operating income to assets | 2.3998% | 188 |
| Return on assets (ROA) | 2.3998% | 194 |
| Pretax return on assets | 2.4024% | 287 |
| Return on Equity (ROE) | 19.2342% | 364 |
| Retained earnings to average equity (ytd only) | 3.4065% | 4,090 |
| Net charge-offs to loans | 0.1071% | 4,618 |
| Credit loss provision to net charge-offs | 206.8966% | 1,453 |
| Earnings coverage of net charge-offs (x) | 34.0345% | 842 |
| Efficiency ratio | 43.8567% | 7,238 |
| Assets per employee ($millions) | 5.5497% | 1,530 |
| Cash dividends to net income (ytd only)* | 82.2894% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7845% | 3,043 |
| Loan loss allowance to noncurrent loans | 1,371.8310% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 6,375 |
| Noncurrent loans to loans | 0.1301% | 6,651 |
| Net loans and leases to total assets | 68.9971% | 2,416 |
| Net loans and leases to deposits | 84.2191% | 2,075 |
| Net loans and leases to core deposits | 88.3265% | 2,593 |
| Total domestic deposits to total assets | 81.9257% | 5,195 |
| Equity capital to assets | 12.6416% | 1,713 |
| Core capital (leverage) ratio | 12.0993% | 1,555 |
| Tier 1 risk-based capital ratio | 16.1326% | 2,910 |
| Total risk-based capital ratio | 17.3887% | 2,880 |
| Memoranda: | ||
| Average total assets | $77,173,330 | 5,615 |
| Average earning assets | $68,878,000 | 5,665 |
| Average equity | $9,628,670 | 5,146 |
| Average total loans | $54,169,000 | 5,201 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6658% | 948 |
| Cost of funding earning assets | 1.2500% | 2,504 |
| Net interest margin | 4.4158% | 1,243 |
| Noninterest income to average assets | 0.8269% | 1,936 |
| Noninterest expense to average assets | 1.8671% | 7,048 |
| Loan and lease loss provision to assets | 0.1560% | 4,074 |
| Net operating income to assets | 2.7304% | 139 |
| Return on assets (ROA) | 2.7304% | 145 |
| Pretax return on assets | 2.7356% | 192 |
| Return on Equity (ROE) | 22.0311% | 245 |
| Retained earnings to average equity (ytd only) | 4.1964% | 3,644 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2350% | 7,407 |
| Assets per employee ($millions) | 5.5050% | 1,574 |
| Cash dividends to net income (ytd only)* | 80.9524% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 2,920 |
| Loan loss allowance to noncurrent loans | 1,370.4225% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 6,933 |
| Noncurrent loans to loans | 0.1335% | 6,711 |
| Net loans and leases to total assets | 67.7449% | 2,606 |
| Net loans and leases to deposits | 81.9832% | 2,366 |
| Net loans and leases to core deposits | 86.5467% | 2,797 |
| Total domestic deposits to total assets | 82.6327% | 5,051 |
| Equity capital to assets | 12.4718% | 1,643 |
| Core capital (leverage) ratio | 12.0319% | 1,549 |
| Tier 1 risk-based capital ratio | 16.1318% | 2,845 |
| Total risk-based capital ratio | 17.3879% | 2,809 |
| Memoranda: | ||
| Average total assets | $76,912,000 | 5,672 |
| Average earning assets | $68,481,000 | 5,716 |
| Average equity | $9,532,000 | 5,166 |
| Average total loans | $53,962,500 | 5,256 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0293% | 796 |
| Cost of funding earning assets | 1.5445% | 2,378 |
| Net interest margin | 4.4848% | 1,260 |
| Noninterest income to average assets | 0.3634% | 5,202 |
| Noninterest expense to average assets | 2.0572% | 6,937 |
| Loan and lease loss provision to assets | 0.1586% | 5,623 |
| Net operating income to assets | 2.1748% | 207 |
| Return on assets (ROA) | 2.1748% | 217 |
| Pretax return on assets | 2.1762% | 339 |
| Return on Equity (ROE) | 17.7819% | 396 |
| Retained earnings to average equity (ytd only) | 6.5899% | 1,511 |
| Net charge-offs to loans | 0.0330% | 6,475 |
| Credit loss provision to net charge-offs | 666.6667% | 315 |
| Earnings coverage of net charge-offs (x) | 98.1667% | 250 |
| Efficiency ratio | 46.8412% | 7,322 |
| Assets per employee ($millions) | 5.4824% | 1,598 |
| Cash dividends to net income (ytd only)* | 62.9405% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 3,128 |
| Loan loss allowance to noncurrent loans | 321.8430% | 960 |
| Noncurrent assets plus other real estate owned to assets | 1.4345% | 4,187 |
| Noncurrent loans to loans | 0.5352% | 5,978 |
| Net loans and leases to total assets | 70.0915% | 2,518 |
| Net loans and leases to deposits | 85.2462% | 2,232 |
| Net loans and leases to core deposits | 90.3652% | 2,719 |
| Total domestic deposits to total assets | 82.2224% | 5,116 |
| Equity capital to assets | 12.3147% | 1,735 |
| Core capital (leverage) ratio | 11.5788% | 1,797 |
| Tier 1 risk-based capital ratio | 15.4677% | 3,008 |
| Total risk-based capital ratio | 16.7224% | 2,968 |
| Memoranda: | ||
| Average total assets | $75,684,000 | 5,723 |
| Average earning assets | $67,984,800 | 5,735 |
| Average equity | $9,256,600 | 5,341 |
| Average total loans | $54,582,400 | 5,295 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0501% | 844 |
| Cost of funding earning assets | 1.5287% | 2,780 |
| Net interest margin | 4.5214% | 1,211 |
| Noninterest income to average assets | 0.3660% | 5,232 |
| Noninterest expense to average assets | 1.9376% | 7,154 |
| Loan and lease loss provision to assets | 0.1591% | 5,450 |
| Net operating income to assets | 2.3513% | 175 |
| Return on assets (ROA) | 2.3513% | 183 |
| Pretax return on assets | 2.3531% | 299 |
| Return on Equity (ROE) | 19.2587% | 372 |
| Retained earnings to average equity (ytd only) | 6.8491% | 1,923 |
| Net charge-offs to loans | 0.0489% | 6,031 |
| Credit loss provision to net charge-offs | 450.0000% | 668 |
| Earnings coverage of net charge-offs (x) | 71.0394% | 421 |
| Efficiency ratio | 43.5439% | 7,479 |
| Assets per employee ($millions) | 5.9699% | 1,263 |
| Cash dividends to net income (ytd only)* | 64.4362% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6852% | 3,197 |
| Loan loss allowance to noncurrent loans | 479.4737% | 633 |
| Noncurrent assets plus other real estate owned to assets | 1.2859% | 4,570 |
| Noncurrent loans to loans | 0.3515% | 6,495 |
| Net loans and leases to total assets | 68.4805% | 3,103 |
| Net loans and leases to deposits | 86.2706% | 2,280 |
| Net loans and leases to core deposits | 92.4553% | 2,735 |
| Total domestic deposits to total assets | 79.3787% | 5,904 |
| Equity capital to assets | 12.2898% | 1,981 |
| Core capital (leverage) ratio | 11.7433% | 1,796 |
| Tier 1 risk-based capital ratio | 15.2748% | 3,114 |
| Total risk-based capital ratio | 16.5293% | 3,076 |
| Memoranda: | ||
| Average total assets | $75,416,500 | 5,795 |
| Average earning assets | $68,118,750 | 5,796 |
| Average equity | $9,207,750 | 5,423 |
| Average total loans | $54,542,750 | 5,367 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0616% | 825 |
| Cost of funding earning assets | 1.5331% | 3,049 |
| Net interest margin | 4.5286% | 1,148 |
| Noninterest income to average assets | 0.3749% | 5,128 |
| Noninterest expense to average assets | 1.9334% | 7,206 |
| Loan and lease loss provision to assets | 0.1607% | 5,284 |
| Net operating income to assets | 2.3994% | 163 |
| Return on assets (ROA) | 2.3994% | 175 |
| Pretax return on assets | 2.4021% | 281 |
| Return on Equity (ROE) | 19.6974% | 345 |
| Retained earnings to average equity (ytd only) | 5.0343% | 2,885 |
| Net charge-offs to loans | 0.0731% | 5,412 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 47.8500% | 623 |
| Efficiency ratio | 43.0018% | 7,552 |
| Assets per employee ($millions) | 6.2706% | 1,064 |
| Cash dividends to net income (ytd only)* | 74.4420% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 3,393 |
| Loan loss allowance to noncurrent loans | 497.7401% | 652 |
| Noncurrent assets plus other real estate owned to assets | 1.3090% | 4,533 |
| Noncurrent loans to loans | 0.3238% | 6,580 |
| Net loans and leases to total assets | 71.4726% | 2,542 |
| Net loans and leases to deposits | 90.2154% | 1,819 |
| Net loans and leases to core deposits | 97.4929% | 2,282 |
| Total domestic deposits to total assets | 79.2244% | 5,969 |
| Equity capital to assets | 12.2397% | 1,956 |
| Core capital (leverage) ratio | 11.7446% | 1,781 |
| Tier 1 risk-based capital ratio | 14.9979% | 3,150 |
| Total risk-based capital ratio | 16.2467% | 3,123 |
| Memoranda: | ||
| Average total assets | $74,685,670 | 5,851 |
| Average earning assets | $67,968,670 | 5,832 |
| Average equity | $9,097,670 | 5,475 |
| Average total loans | $54,704,330 | 5,391 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0540% | 877 |
| Cost of funding earning assets | 1.5179% | 3,436 |
| Net interest margin | 4.5361% | 1,073 |
| Noninterest income to average assets | 0.3871% | 5,021 |
| Noninterest expense to average assets | 1.7633% | 7,508 |
| Loan and lease loss provision to assets | 0.1613% | 4,916 |
| Net operating income to assets | 2.5858% | 131 |
| Return on assets (ROA) | 2.5858% | 141 |
| Pretax return on assets | 2.5912% | 217 |
| Return on Equity (ROE) | 21.2797% | 312 |
| Retained earnings to average equity (ytd only) | 5.7955% | 2,717 |
| Net charge-offs to loans | -0.0292% | 7,184 |
| Credit loss provision to net charge-offs | -750.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0476% | 7,754 |
| Assets per employee ($millions) | 6.1602% | 1,162 |
| Cash dividends to net income (ytd only)* | 72.7651% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 4,960 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 73.0364% | 2,191 |
| Net loans and leases to deposits | 93.0942% | 1,465 |
| Net loans and leases to core deposits | 99.9056% | 2,142 |
| Total domestic deposits to total assets | 78.4543% | 6,212 |
| Equity capital to assets | 12.3130% | 1,865 |
| Core capital (leverage) ratio | 11.7965% | 1,754 |
| Tier 1 risk-based capital ratio | 14.9283% | 3,140 |
| Total risk-based capital ratio | 16.1818% | 3,100 |
| Memoranda: | ||
| Average total assets | $74,405,000 | 5,925 |
| Average earning assets | $67,723,500 | 5,916 |
| Average equity | $9,041,500 | 5,534 |
| Average total loans | $54,725,500 | 5,462 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3156% | 998 |
| Cost of funding earning assets | 1.8657% | 3,646 |
| Net interest margin | 4.4499% | 1,297 |
| Noninterest income to average assets | 0.3840% | 5,343 |
| Noninterest expense to average assets | 2.1026% | 7,184 |
| Loan and lease loss provision to assets | 0.3717% | 4,555 |
| Net operating income to assets | 2.0203% | 222 |
| Return on assets (ROA) | 2.0203% | 233 |
| Pretax return on assets | 2.0216% | 389 |
| Return on Equity (ROE) | 17.0124% | 458 |
| Retained earnings to average equity (ytd only) | 4.6544% | 2,000 |
| Net charge-offs to loans | 0.3595% | 4,432 |
| Credit loss provision to net charge-offs | 144.1489% | 3,314 |
| Earnings coverage of net charge-offs (x) | 9.2819% | 1,823 |
| Efficiency ratio | 46.7663% | 7,674 |
| Assets per employee ($millions) | 6.2407% | 1,113 |
| Cash dividends to net income (ytd only)* | 72.6409% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 3,525 |
| Loan loss allowance to noncurrent loans | 96.0046% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 4,576 |
| Noncurrent loans to loans | 1.6048% | 4,252 |
| Net loans and leases to total assets | 71.7672% | 2,816 |
| Net loans and leases to deposits | 91.5853% | 1,947 |
| Net loans and leases to core deposits | 105.9913% | 3,335 |
| Total domestic deposits to total assets | 78.3610% | 6,155 |
| Equity capital to assets | 11.9926% | 2,041 |
| Core capital (leverage) ratio | 11.7014% | 1,811 |
| Tier 1 risk-based capital ratio | 14.7566% | 3,071 |
| Total risk-based capital ratio | 16.0028% | 3,030 |
| Memoranda: | ||
| Average total assets | $72,911,000 | 5,917 |
| Average earning assets | $67,372,600 | 5,889 |
| Average equity | $8,658,400 | 5,716 |
| Average total loans | $52,296,800 | 5,576 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3979% | 929 |
| Cost of funding earning assets | 1.9513% | 3,614 |
| Net interest margin | 4.4466% | 1,325 |
| Noninterest income to average assets | 0.3830% | 5,456 |
| Noninterest expense to average assets | 2.0455% | 7,296 |
| Loan and lease loss provision to assets | 0.1860% | 5,513 |
| Net operating income to assets | 2.2738% | 157 |
| Return on assets (ROA) | 2.2738% | 174 |
| Pretax return on assets | 2.2757% | 301 |
| Return on Equity (ROE) | 19.1965% | 353 |
| Retained earnings to average equity (ytd only) | 5.0983% | 2,432 |
| Net charge-offs to loans | 0.1083% | 5,587 |
| Credit loss provision to net charge-offs | 240.4762% | 1,819 |
| Earnings coverage of net charge-offs (x) | 31.8325% | 892 |
| Efficiency ratio | 45.3840% | 7,791 |
| Assets per employee ($millions) | 5.9943% | 1,223 |
| Cash dividends to net income (ytd only)* | 73.4409% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 3,095 |
| Loan loss allowance to noncurrent loans | 64.5850% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.8142% | 3,632 |
| Noncurrent loans to loans | 2.4400% | 3,090 |
| Net loans and leases to total assets | 70.9378% | 3,284 |
| Net loans and leases to deposits | 89.7352% | 2,625 |
| Net loans and leases to core deposits | 103.4967% | 3,997 |
| Total domestic deposits to total assets | 79.0524% | 5,783 |
| Equity capital to assets | 12.4256% | 1,994 |
| Core capital (leverage) ratio | 11.8452% | 1,873 |
| Tier 1 risk-based capital ratio | 15.4479% | 2,851 |
| Total risk-based capital ratio | 16.7001% | 2,788 |
| Memoranda: | ||
| Average total assets | $72,416,750 | 5,967 |
| Average earning assets | $67,166,000 | 5,931 |
| Average equity | $8,577,750 | 5,789 |
| Average total loans | $51,724,500 | 5,642 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4649% | 885 |
| Cost of funding earning assets | 2.0344% | 3,598 |
| Net interest margin | 4.4306% | 1,333 |
| Noninterest income to average assets | 0.3858% | 5,415 |
| Noninterest expense to average assets | 2.0557% | 7,364 |
| Loan and lease loss provision to assets | 0.1874% | 5,158 |
| Net operating income to assets | 2.2569% | 173 |
| Return on assets (ROA) | 2.2569% | 192 |
| Pretax return on assets | 2.2596% | 315 |
| Return on Equity (ROE) | 19.3670% | 377 |
| Retained earnings to average equity (ytd only) | 1.4898% | 4,495 |
| Net charge-offs to loans | 0.0619% | 5,628 |
| Credit loss provision to net charge-offs | 425.0000% | 1,090 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 636 |
| Efficiency ratio | 45.6548% | 7,866 |
| Assets per employee ($millions) | 6.0108% | 1,212 |
| Cash dividends to net income (ytd only)* | 92.3077% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5872% | 2,796 |
| Loan loss allowance to noncurrent loans | 48.0998% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 2.4567% | 2,623 |
| Noncurrent loans to loans | 3.2999% | 2,141 |
| Net loans and leases to total assets | 69.6280% | 3,785 |
| Net loans and leases to deposits | 86.4317% | 3,471 |
| Net loans and leases to core deposits | 98.4263% | 4,658 |
| Total domestic deposits to total assets | 80.5584% | 5,247 |
| Equity capital to assets | 11.7526% | 2,351 |
| Core capital (leverage) ratio | 11.3363% | 2,179 |
| Tier 1 risk-based capital ratio | 15.2178% | 2,927 |
| Total risk-based capital ratio | 16.4708% | 2,859 |
| Memoranda: | ||
| Average total assets | $72,578,330 | 6,017 |
| Average earning assets | $67,440,670 | 5,966 |
| Average equity | $8,457,670 | 5,862 |
| Average total loans | $51,684,670 | 5,689 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4524% | 953 |
| Cost of funding earning assets | 2.0820% | 3,731 |
| Net interest margin | 4.3704% | 1,422 |
| Noninterest income to average assets | 0.3791% | 5,396 |
| Noninterest expense to average assets | 1.7582% | 7,751 |
| Loan and lease loss provision to assets | 0.1648% | 4,820 |
| Net operating income to assets | 2.5219% | 128 |
| Return on assets (ROA) | 2.5219% | 154 |
| Pretax return on assets | 2.5274% | 244 |
| Return on Equity (ROE) | 21.7330% | 320 |
| Retained earnings to average equity (ytd only) | 0.4261% | 5,491 |
| Net charge-offs to loans | 0.0769% | 4,406 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 737 |
| Efficiency ratio | 39.5062% | 8,058 |
| Assets per employee ($millions) | 6.0723% | 1,152 |
| Cash dividends to net income (ytd only)* | 98.0392% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 2,987 |
| Loan loss allowance to noncurrent loans | 41.4491% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 2.7076% | 2,099 |
| Noncurrent loans to loans | 3.6201% | 1,737 |
| Net loans and leases to total assets | 70.0870% | 3,647 |
| Net loans and leases to deposits | 87.3352% | 3,413 |
| Net loans and leases to core deposits | 99.3136% | 4,609 |
| Total domestic deposits to total assets | 80.2506% | 5,262 |
| Equity capital to assets | 11.6361% | 2,490 |
| Core capital (leverage) ratio | 11.2716% | 2,296 |
| Tier 1 risk-based capital ratio | 15.0449% | 3,046 |
| Total risk-based capital ratio | 16.2974% | 2,987 |
| Memoranda: | ||
| Average total assets | $72,803,000 | 6,036 |
| Average earning assets | $67,819,500 | 5,981 |
| Average equity | $8,448,000 | 5,903 |
| Average total loans | $52,011,000 | 5,719 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2311% | 688 |
| Cost of funding earning assets | 2.6453% | 3,458 |
| Net interest margin | 4.5858% | 1,220 |
| Noninterest income to average assets | 0.3854% | 5,594 |
| Noninterest expense to average assets | 1.9754% | 7,487 |
| Loan and lease loss provision to assets | 0.2367% | 4,534 |
| Net operating income to assets | 2.4317% | 147 |
| Return on assets (ROA) | 2.4317% | 148 |
| Pretax return on assets | 2.4331% | 231 |
| Return on Equity (ROE) | 21.3858% | 284 |
| Retained earnings to average equity (ytd only) | 4.2747% | 2,461 |
| Net charge-offs to loans | 0.0568% | 5,964 |
| Credit loss provision to net charge-offs | 575.8621% | 756 |
| Earnings coverage of net charge-offs (x) | 64.9655% | 624 |
| Efficiency ratio | 42.5259% | 8,058 |
| Assets per employee ($millions) | 6.0615% | 1,105 |
| Cash dividends to net income (ytd only)* | 80.0117% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 2,906 |
| Loan loss allowance to noncurrent loans | 38.9317% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 2.7427% | 1,723 |
| Noncurrent loans to loans | 3.7318% | 1,345 |
| Net loans and leases to total assets | 70.6852% | 3,860 |
| Net loans and leases to deposits | 87.9776% | 3,809 |
| Net loans and leases to core deposits | 100.5869% | 4,767 |
| Total domestic deposits to total assets | 80.3445% | 4,892 |
| Equity capital to assets | 11.5717% | 2,589 |
| Core capital (leverage) ratio | 11.2728% | 2,387 |
| Tier 1 risk-based capital ratio | 14.8997% | 3,089 |
| Total risk-based capital ratio | 16.1506% | 3,011 |
| Memoranda: | ||
| Average total assets | $70,568,200 | 6,018 |
| Average earning assets | $65,550,600 | 5,977 |
| Average equity | $8,024,000 | 6,078 |
| Average total loans | $51,038,800 | 5,661 |