Home > Valley Bank of Commerce > Performance and Condition Ratios
Valley Bank of Commerce, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2957% | 823 |
| Cost of funding earning assets | 0.9466% | 4,042 |
| Net interest margin | 5.3491% | 186 |
| Noninterest income to average assets | 0.2200% | 3,425 |
| Noninterest expense to average assets | 1.8350% | 3,855 |
| Loan and lease loss provision to assets | 0.6400% | 144 |
| Net operating income to assets | 2.7339% | 172 |
| Return on assets (ROA) | 2.7403% | 175 |
| Pretax return on assets | 2.7403% | 243 |
| Return on Equity (ROE) | 22.9700% | 271 |
| Retained earnings to average equity (ytd only) | -32.3010% | 4,440 |
| Net charge-offs to loans | -0.0900% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 35.2262% | 4,354 |
| Assets per employee ($millions) | 14.4214% | 262 |
| Cash dividends to net income (ytd only)* | 240.6075% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1248% | 328 |
| Loan loss allowance to noncurrent loans | 69.2239% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.2880% | 505 |
| Noncurrent loans to loans | 3.0694% | 215 |
| Net loans and leases to total assets | 41.0700% | 3,944 |
| Net loans and leases to deposits | 45.8221% | 3,993 |
| Net loans and leases to core deposits | 46.4723% | 4,053 |
| Total domestic deposits to total assets | 89.6300% | 933 |
| Equity capital to assets | 10.3304% | 2,021 |
| Core capital (leverage) ratio | 11.4467% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4237% | 392 |
| Memoranda: | ||
| Average total assets | $312,377,000 | 2,429 |
| Average earning assets | $291,564,500 | 2,411 |
| Average equity | $37,262,000 | 2,143 |
| Average total loans | $146,650,500 | 2,798 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5881% | 220 |
| Cost of funding earning assets | 1.2847% | 3,691 |
| Net interest margin | 6.3034% | 84 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 1.8901% | 3,802 |
| Loan and lease loss provision to assets | 0.4600% | 231 |
| Net operating income to assets | 3.7567% | 97 |
| Return on assets (ROA) | 3.7570% | 103 |
| Pretax return on assets | 3.7570% | 119 |
| Return on Equity (ROE) | 29.7100% | 110 |
| Retained earnings to average equity (ytd only) | 12.5526% | 253 |
| Net charge-offs to loans | 0.9760% | 154 |
| Credit loss provision to net charge-offs | 85.9060% | 2,076 |
| Earnings coverage of net charge-offs (x) | 7.9221% | 2,402 |
| Efficiency ratio | 30.9667% | 4,416 |
| Assets per employee ($millions) | 10.7169% | 619 |
| Cash dividends to net income (ytd only)* | 57.7482% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 605 |
| Loan loss allowance to noncurrent loans | 48.7493% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.8795% | 235 |
| Noncurrent loans to loans | 3.5371% | 137 |
| Net loans and leases to total assets | 52.2200% | 3,512 |
| Net loans and leases to deposits | 60.8047% | 3,496 |
| Net loans and leases to core deposits | 61.7509% | 3,689 |
| Total domestic deposits to total assets | 85.8800% | 2,255 |
| Equity capital to assets | 13.9137% | 695 |
| Core capital (leverage) ratio | 14.2966% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0639% | 371 |
| Memoranda: | ||
| Average total assets | $280,143,200 | 2,556 |
| Average earning assets | $261,238,000 | 2,541 |
| Average equity | $35,427,000 | 2,152 |
| Average total loans | $152,666,400 | 2,705 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5890% | 223 |
| Cost of funding earning assets | 1.3660% | 3,568 |
| Net interest margin | 6.2230% | 90 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 1.8570% | 3,834 |
| Loan and lease loss provision to assets | 0.1900% | 640 |
| Net operating income to assets | 3.9896% | 92 |
| Return on assets (ROA) | 3.9925% | 94 |
| Pretax return on assets | 3.9925% | 108 |
| Return on Equity (ROE) | 32.3800% | 93 |
| Retained earnings to average equity (ytd only) | 10.3645% | 769 |
| Net charge-offs to loans | 0.5209% | 257 |
| Credit loss provision to net charge-offs | 66.5557% | 1,945 |
| Earnings coverage of net charge-offs (x) | 14.6323% | 1,940 |
| Efficiency ratio | 30.7614% | 4,450 |
| Assets per employee ($millions) | 9.8621% | 809 |
| Cash dividends to net income (ytd only)* | 67.9881% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 671 |
| Loan loss allowance to noncurrent loans | 38.2046% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 2.6202% | 109 |
| Noncurrent loans to loans | 4.4259% | 93 |
| Net loans and leases to total assets | 55.9400% | 3,266 |
| Net loans and leases to deposits | 65.1209% | 3,294 |
| Net loans and leases to core deposits | 66.0587% | 3,567 |
| Total domestic deposits to total assets | 85.9000% | 1,965 |
| Equity capital to assets | 13.8994% | 758 |
| Core capital (leverage) ratio | 14.0264% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1798% | 413 |
| Memoranda: | ||
| Average total assets | $280,519,000 | 2,549 |
| Average earning assets | $262,567,500 | 2,528 |
| Average equity | $34,591,500 | 2,183 |
| Average total loans | $153,817,750 | 2,687 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6367% | 207 |
| Cost of funding earning assets | 1.4297% | 3,428 |
| Net interest margin | 6.2070% | 91 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 1.8895% | 3,779 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 4.0418% | 97 |
| Return on assets (ROA) | 4.0425% | 99 |
| Pretax return on assets | 4.0425% | 114 |
| Return on Equity (ROE) | 34.1300% | 95 |
| Retained earnings to average equity (ytd only) | 2.4922% | 3,186 |
| Net charge-offs to loans | 0.1837% | 583 |
| Credit loss provision to net charge-offs | 70.4225% | 1,712 |
| Earnings coverage of net charge-offs (x) | 41.3028% | 1,235 |
| Efficiency ratio | 31.4836% | 4,460 |
| Assets per employee ($millions) | 10.4626% | 643 |
| Cash dividends to net income (ytd only)* | 92.6986% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8007% | 557 |
| Loan loss allowance to noncurrent loans | 40.2515% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 2.6880% | 85 |
| Noncurrent loans to loans | 4.4737% | 78 |
| Net loans and leases to total assets | 56.7300% | 3,210 |
| Net loans and leases to deposits | 65.5635% | 3,282 |
| Net loans and leases to core deposits | 66.5119% | 3,523 |
| Total domestic deposits to total assets | 86.5300% | 1,807 |
| Equity capital to assets | 13.2743% | 811 |
| Core capital (leverage) ratio | 12.8655% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4733% | 566 |
| Memoranda: | ||
| Average total assets | $285,266,000 | 2,522 |
| Average earning assets | $267,051,333 | 2,513 |
| Average equity | $33,785,000 | 2,189 |
| Average total loans | $154,584,667 | 2,677 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6942% | 196 |
| Cost of funding earning assets | 1.5265% | 3,133 |
| Net interest margin | 6.1677% | 102 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 1.8821% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 4.1048% | 96 |
| Return on assets (ROA) | 4.1115% | 96 |
| Pretax return on assets | 4.1115% | 114 |
| Return on Equity (ROE) | 36.6700% | 84 |
| Retained earnings to average equity (ytd only) | -23.0513% | 4,452 |
| Net charge-offs to loans | 0.0128% | 1,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 609.8000% | 166 |
| Efficiency ratio | 31.4369% | 4,455 |
| Assets per employee ($millions) | 10.4046% | 643 |
| Cash dividends to net income (ytd only)* | 162.8684% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 569 |
| Loan loss allowance to noncurrent loans | 61.4391% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.7766% | 211 |
| Noncurrent loans to loans | 2.8992% | 177 |
| Net loans and leases to total assets | 56.2200% | 3,177 |
| Net loans and leases to deposits | 64.0069% | 3,296 |
| Net loans and leases to core deposits | 66.3454% | 3,506 |
| Total domestic deposits to total assets | 87.8300% | 1,481 |
| Equity capital to assets | 11.9681% | 1,131 |
| Core capital (leverage) ratio | 10.3579% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1753% | 595 |
| Memoranda: | ||
| Average total assets | $297,116,000 | 2,479 |
| Average earning assets | $278,289,000 | 2,464 |
| Average equity | $33,317,000 | 2,210 |
| Average total loans | $156,323,500 | 2,668 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7902% | 261 |
| Cost of funding earning assets | 1.4407% | 2,103 |
| Net interest margin | 5.3495% | 221 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.5595% | 4,281 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 3.6272% | 118 |
| Return on assets (ROA) | 3.6265% | 117 |
| Pretax return on assets | 3.6265% | 138 |
| Return on Equity (ROE) | 38.7600% | 92 |
| Retained earnings to average equity (ytd only) | 25.1705% | 71 |
| Net charge-offs to loans | 0.1799% | 593 |
| Credit loss provision to net charge-offs | 148.1481% | 1,485 |
| Earnings coverage of net charge-offs (x) | 43.9333% | 1,380 |
| Efficiency ratio | 29.3508% | 4,496 |
| Assets per employee ($millions) | 15.4149% | 191 |
| Cash dividends to net income (ytd only)* | 35.0611% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 591 |
| Loan loss allowance to noncurrent loans | 60.2092% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.5155% | 244 |
| Noncurrent loans to loans | 2.9079% | 151 |
| Net loans and leases to total assets | 47.9000% | 3,733 |
| Net loans and leases to deposits | 53.7287% | 3,809 |
| Net loans and leases to core deposits | 55.3231% | 3,936 |
| Total domestic deposits to total assets | 89.1500% | 1,018 |
| Equity capital to assets | 10.5829% | 1,688 |
| Core capital (leverage) ratio | 10.9648% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9164% | 545 |
| Memoranda: | ||
| Average total assets | $316,004,800 | 2,338 |
| Average earning assets | $303,054,200 | 2,285 |
| Average equity | $29,566,400 | 2,282 |
| Average total loans | $150,118,600 | 2,679 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5829% | 286 |
| Cost of funding earning assets | 1.4077% | 1,847 |
| Net interest margin | 5.1752% | 260 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.6238% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.5349% | 133 |
| Return on assets (ROA) | 3.5319% | 132 |
| Pretax return on assets | 3.5319% | 160 |
| Return on Equity (ROE) | 39.0700% | 123 |
| Retained earnings to average equity (ytd only) | 21.9247% | 198 |
| Net charge-offs to loans | -0.0666% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 31.4763% | 4,504 |
| Assets per employee ($millions) | 13.1357% | 290 |
| Cash dividends to net income (ytd only)* | 43.8822% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 842 |
| Loan loss allowance to noncurrent loans | 74.7997% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.3028% | 320 |
| Noncurrent loans to loans | 2.1752% | 254 |
| Net loans and leases to total assets | 54.1700% | 3,347 |
| Net loans and leases to deposits | 60.6564% | 3,466 |
| Net loans and leases to core deposits | 62.5721% | 3,590 |
| Total domestic deposits to total assets | 89.3100% | 1,155 |
| Equity capital to assets | 10.4124% | 1,595 |
| Core capital (leverage) ratio | 10.3861% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1897% | 680 |
| Memoranda: | ||
| Average total assets | $314,078,000 | 2,352 |
| Average earning assets | $303,467,000 | 2,282 |
| Average equity | $28,393,500 | 2,330 |
| Average total loans | $148,195,750 | 2,695 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4056% | 283 |
| Cost of funding earning assets | 1.3289% | 1,635 |
| Net interest margin | 5.0767% | 280 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.6651% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.3836% | 125 |
| Return on assets (ROA) | 3.3805% | 125 |
| Pretax return on assets | 3.3805% | 158 |
| Return on Equity (ROE) | 39.2800% | 109 |
| Retained earnings to average equity (ytd only) | 15.4684% | 523 |
| Net charge-offs to loans | -0.1041% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 32.9804% | 4,521 |
| Assets per employee ($millions) | 12.9688% | 302 |
| Cash dividends to net income (ytd only)* | 60.6213% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 624 |
| Loan loss allowance to noncurrent loans | 10,411.5385% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 1,756 |
| Noncurrent loans to loans | 0.0172% | 3,640 |
| Net loans and leases to total assets | 49.7900% | 3,577 |
| Net loans and leases to deposits | 55.2733% | 3,681 |
| Net loans and leases to core deposits | 57.0811% | 3,766 |
| Total domestic deposits to total assets | 90.0800% | 906 |
| Equity capital to assets | 9.6881% | 2,037 |
| Core capital (leverage) ratio | 9.1198% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4079% | 679 |
| Memoranda: | ||
| Average total assets | $318,064,000 | 2,337 |
| Average earning assets | $307,323,333 | 2,271 |
| Average equity | $27,372,000 | 2,394 |
| Average total loans | $142,135,000 | 2,751 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8312% | 400 |
| Cost of funding earning assets | 1.1736% | 1,524 |
| Net interest margin | 4.6577% | 475 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.6661% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.9687% | 156 |
| Return on assets (ROA) | 2.9602% | 156 |
| Pretax return on assets | 2.9602% | 203 |
| Return on Equity (ROE) | 36.4800% | 141 |
| Retained earnings to average equity (ytd only) | -7.1855% | 4,405 |
| Net charge-offs to loans | -0.2151% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 35.9474% | 4,542 |
| Assets per employee ($millions) | 14.9815% | 208 |
| Cash dividends to net income (ytd only)* | 119.6951% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 511 |
| Loan loss allowance to noncurrent loans | 94.5182% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 311 |
| Noncurrent loans to loans | 2.0269% | 271 |
| Net loans and leases to total assets | 42.0500% | 3,947 |
| Net loans and leases to deposits | 45.7874% | 4,044 |
| Net loans and leases to core deposits | 47.1459% | 4,072 |
| Total domestic deposits to total assets | 91.8400% | 553 |
| Equity capital to assets | 8.0054% | 3,241 |
| Core capital (leverage) ratio | 7.9623% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7582% | 766 |
| Memoranda: | ||
| Average total assets | $327,955,000 | 2,323 |
| Average earning assets | $316,639,500 | 2,271 |
| Average equity | $26,609,000 | 2,455 |
| Average total loans | $137,591,000 | 2,821 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 1,554 |
| Cost of funding earning assets | 0.1168% | 4,303 |
| Net interest margin | 3.9465% | 865 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.5779% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.4452% | 154 |
| Return on assets (ROA) | 2.4489% | 149 |
| Pretax return on assets | 2.4489% | 220 |
| Return on Equity (ROE) | 29.0000% | 129 |
| Retained earnings to average equity (ytd only) | 21.2599% | 67 |
| Net charge-offs to loans | -0.0160% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 39.2210% | 4,555 |
| Assets per employee ($millions) | 15.5390% | 182 |
| Cash dividends to net income (ytd only)* | 26.6883% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9667% | 458 |
| Loan loss allowance to noncurrent loans | 83.2964% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.4201% | 236 |
| Noncurrent loans to loans | 2.3610% | 203 |
| Net loans and leases to total assets | 40.2200% | 4,060 |
| Net loans and leases to deposits | 43.9242% | 4,118 |
| Net loans and leases to core deposits | 45.2374% | 4,142 |
| Total domestic deposits to total assets | 91.5700% | 761 |
| Equity capital to assets | 8.2230% | 2,917 |
| Core capital (leverage) ratio | 8.0174% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0240% | 626 |
| Memoranda: | ||
| Average total assets | $276,946,000 | 2,565 |
| Average earning assets | $267,124,400 | 2,507 |
| Average equity | $23,386,800 | 2,679 |
| Average total loans | $118,458,200 | 2,941 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4384% | 2,811 |
| Cost of funding earning assets | 0.1086% | 4,210 |
| Net interest margin | 3.3298% | 2,202 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.5691% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8906% | 353 |
| Return on assets (ROA) | 1.8916% | 345 |
| Pretax return on assets | 1.8916% | 593 |
| Return on Equity (ROE) | 22.2200% | 283 |
| Retained earnings to average equity (ytd only) | 12.7261% | 656 |
| Net charge-offs to loans | -0.1082% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.3539% | 4,410 |
| Assets per employee ($millions) | 14.7299% | 214 |
| Cash dividends to net income (ytd only)* | 42.7278% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1394% | 385 |
| Loan loss allowance to noncurrent loans | 45.3814% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 2.0248% | 125 |
| Noncurrent loans to loans | 4.7143% | 66 |
| Net loans and leases to total assets | 42.0300% | 3,983 |
| Net loans and leases to deposits | 45.8211% | 4,032 |
| Net loans and leases to core deposits | 47.2863% | 4,053 |
| Total domestic deposits to total assets | 91.7300% | 961 |
| Equity capital to assets | 8.1522% | 2,792 |
| Core capital (leverage) ratio | 8.4131% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7981% | 751 |
| Memoranda: | ||
| Average total assets | $264,603,000 | 2,657 |
| Average earning assets | $255,303,250 | 2,600 |
| Average equity | $22,525,250 | 2,772 |
| Average total loans | $114,602,250 | 2,990 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0261% | 3,490 |
| Cost of funding earning assets | 0.1109% | 4,069 |
| Net interest margin | 2.9152% | 3,125 |
| Noninterest income to average assets | 0.2906% | 3,429 |
| Noninterest expense to average assets | 1.5381% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5608% | 607 |
| Return on assets (ROA) | 1.5608% | 591 |
| Pretax return on assets | 1.5608% | 1,027 |
| Return on Equity (ROE) | 18.0404% | 468 |
| Retained earnings to average equity (ytd only) | 5.1116% | 2,663 |
| Net charge-offs to loans | -0.1681% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6324% | 4,270 |
| Assets per employee ($millions) | 13.3710% | 269 |
| Cash dividends to net income (ytd only)* | 71.6658% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2670% | 344 |
| Loan loss allowance to noncurrent loans | 44.6995% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 2.1568% | 113 |
| Noncurrent loans to loans | 5.0716% | 58 |
| Net loans and leases to total assets | 41.5619% | 4,000 |
| Net loans and leases to deposits | 45.2167% | 4,057 |
| Net loans and leases to core deposits | 46.7805% | 4,091 |
| Total domestic deposits to total assets | 91.9171% | 871 |
| Equity capital to assets | 7.9942% | 3,131 |
| Core capital (leverage) ratio | 8.2988% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5234% | 782 |
| Memoranda: | ||
| Average total assets | $254,605,000 | 2,740 |
| Average earning assets | $245,269,333 | 2,697 |
| Average equity | $22,028,333 | 2,888 |
| Average total loans | $110,626,667 | 3,057 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9320% | 3,449 |
| Cost of funding earning assets | 0.1102% | 4,008 |
| Net interest margin | 2.8218% | 3,070 |
| Noninterest income to average assets | 0.3577% | 2,946 |
| Noninterest expense to average assets | 1.6264% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4459% | 717 |
| Return on assets (ROA) | 1.4509% | 710 |
| Pretax return on assets | 1.4509% | 1,127 |
| Return on Equity (ROE) | 16.0594% | 525 |
| Retained earnings to average equity (ytd only) | -2.9332% | 4,307 |
| Net charge-offs to loans | -0.3502% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9380% | 4,129 |
| Assets per employee ($millions) | 11.7377% | 426 |
| Cash dividends to net income (ytd only)* | 118.2648% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4345% | 302 |
| Loan loss allowance to noncurrent loans | 44.6995% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.4569% | 100 |
| Noncurrent loans to loans | 5.4464% | 58 |
| Net loans and leases to total assets | 44.0122% | 3,736 |
| Net loans and leases to deposits | 48.3146% | 3,849 |
| Net loans and leases to core deposits | 50.2408% | 3,861 |
| Total domestic deposits to total assets | 91.0950% | 987 |
| Equity capital to assets | 8.8174% | 2,863 |
| Core capital (leverage) ratio | 9.0847% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8194% | 783 |
| Memoranda: | ||
| Average total assets | $241,512,000 | 2,837 |
| Average earning assets | $232,332,500 | 2,785 |
| Average equity | $21,819,000 | 2,998 |
| Average total loans | $106,235,500 | 3,107 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1646% | 3,552 |
| Cost of funding earning assets | 0.1236% | 4,196 |
| Net interest margin | 3.0409% | 3,073 |
| Noninterest income to average assets | 0.3807% | 3,161 |
| Noninterest expense to average assets | 1.5348% | 4,501 |
| Loan and lease loss provision to assets | 0.1149% | 1,092 |
| Net operating income to assets | 1.6373% | 728 |
| Return on assets (ROA) | 1.6438% | 755 |
| Pretax return on assets | 1.6438% | 1,298 |
| Return on Equity (ROE) | 17.5700% | 508 |
| Retained earnings to average equity (ytd only) | 9.7851% | 972 |
| Net charge-offs to loans | 0.3321% | 257 |
| Credit loss provision to net charge-offs | 74.1840% | 1,990 |
| Earnings coverage of net charge-offs (x) | 11.3086% | 2,163 |
| Efficiency ratio | 46.6918% | 4,470 |
| Assets per employee ($millions) | 10.7515% | 541 |
| Cash dividends to net income (ytd only)* | 44.3077% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5810% | 248 |
| Loan loss allowance to noncurrent loans | 42.4351% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 2.6043% | 98 |
| Noncurrent loans to loans | 6.0823% | 46 |
| Net loans and leases to total assets | 41.7126% | 3,991 |
| Net loans and leases to deposits | 46.0356% | 4,089 |
| Net loans and leases to core deposits | 48.0173% | 4,090 |
| Total domestic deposits to total assets | 90.6093% | 665 |
| Equity capital to assets | 9.2604% | 3,359 |
| Core capital (leverage) ratio | 9.4103% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1867% | 543 |
| Memoranda: | ||
| Average total assets | $217,488,000 | 2,930 |
| Average earning assets | $207,863,800 | 2,898 |
| Average equity | $20,347,200 | 3,183 |
| Average total loans | $101,490,000 | 3,177 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1779% | 3,645 |
| Cost of funding earning assets | 0.1253% | 4,306 |
| Net interest margin | 3.0526% | 3,171 |
| Noninterest income to average assets | 0.3472% | 3,375 |
| Noninterest expense to average assets | 1.4892% | 4,601 |
| Loan and lease loss provision to assets | 0.5641% | 93 |
| Net operating income to assets | 1.2097% | 2,136 |
| Return on assets (ROA) | 1.2159% | 2,169 |
| Pretax return on assets | 1.2159% | 2,878 |
| Return on Equity (ROE) | 12.9602% | 1,700 |
| Retained earnings to average equity (ytd only) | 3.5540% | 3,728 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6396% | 4,521 |
| Assets per employee ($millions) | 10.3241% | 583 |
| Cash dividends to net income (ytd only)* | 72.5773% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4173% | 113 |
| Loan loss allowance to noncurrent loans | 57.8474% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 2.7407% | 107 |
| Noncurrent loans to loans | 5.9075% | 57 |
| Net loans and leases to total assets | 44.8087% | 3,882 |
| Net loans and leases to deposits | 49.3010% | 4,044 |
| Net loans and leases to core deposits | 51.5693% | 4,056 |
| Total domestic deposits to total assets | 90.8880% | 404 |
| Equity capital to assets | 9.0015% | 3,828 |
| Core capital (leverage) ratio | 9.5168% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7849% | 617 |
| Memoranda: | ||
| Average total assets | $212,726,750 | 2,994 |
| Average earning assets | $203,188,750 | 2,959 |
| Average equity | $19,958,000 | 3,254 |
| Average total loans | $101,543,000 | 3,216 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2675% | 3,516 |
| Cost of funding earning assets | 0.1261% | 4,383 |
| Net interest margin | 3.1414% | 2,922 |
| Noninterest income to average assets | 0.2857% | 3,712 |
| Noninterest expense to average assets | 1.5169% | 4,606 |
| Loan and lease loss provision to assets | 0.5771% | 79 |
| Net operating income to assets | 1.1860% | 2,241 |
| Return on assets (ROA) | 1.1860% | 2,305 |
| Pretax return on assets | 1.1860% | 2,951 |
| Return on Equity (ROE) | 12.4573% | 1,891 |
| Retained earnings to average equity (ytd only) | 0.2829% | 4,465 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2463% | 4,502 |
| Assets per employee ($millions) | 10.1757% | 578 |
| Cash dividends to net income (ytd only)* | 97.7291% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3021% | 117 |
| Loan loss allowance to noncurrent loans | 43.7566% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 3.7069% | 64 |
| Noncurrent loans to loans | 7.5465% | 33 |
| Net loans and leases to total assets | 47.4987% | 3,779 |
| Net loans and leases to deposits | 52.7325% | 3,950 |
| Net loans and leases to core deposits | 55.6021% | 3,920 |
| Total domestic deposits to total assets | 90.0748% | 737 |
| Equity capital to assets | 9.7984% | 3,061 |
| Core capital (leverage) ratio | 9.6891% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5090% | 647 |
| Memoranda: | ||
| Average total assets | $207,925,667 | 3,034 |
| Average earning assets | $198,195,000 | 2,997 |
| Average equity | $19,795,667 | 3,267 |
| Average total loans | $100,265,667 | 3,248 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2792% | 3,502 |
| Cost of funding earning assets | 0.1239% | 4,500 |
| Net interest margin | 3.1553% | 2,824 |
| Noninterest income to average assets | 0.2741% | 3,757 |
| Noninterest expense to average assets | 1.4753% | 4,675 |
| Loan and lease loss provision to assets | 0.5711% | 108 |
| Net operating income to assets | 1.2335% | 2,032 |
| Return on assets (ROA) | 1.2335% | 2,119 |
| Pretax return on assets | 1.2335% | 2,750 |
| Return on Equity (ROE) | 13.1420% | 1,633 |
| Retained earnings to average equity (ytd only) | -7.7270% | 4,768 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9797% | 4,524 |
| Assets per employee ($millions) | 10.7604% | 480 |
| Cash dividends to net income (ytd only)* | 158.7963% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9651% | 153 |
| Loan loss allowance to noncurrent loans | 56.7404% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 2.5870% | 146 |
| Noncurrent loans to loans | 5.2257% | 72 |
| Net loans and leases to total assets | 48.0374% | 3,813 |
| Net loans and leases to deposits | 53.1882% | 3,991 |
| Net loans and leases to core deposits | 56.0543% | 3,970 |
| Total domestic deposits to total assets | 90.3158% | 657 |
| Equity capital to assets | 9.5536% | 3,145 |
| Core capital (leverage) ratio | 9.5247% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7483% | 705 |
| Memoranda: | ||
| Average total assets | $210,132,000 | 3,005 |
| Average earning assets | $200,169,000 | 2,968 |
| Average equity | $19,723,000 | 3,266 |
| Average total loans | $100,415,000 | 3,257 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 3,199 |
| Cost of funding earning assets | 0.1408% | 4,756 |
| Net interest margin | 3.6963% | 1,812 |
| Noninterest income to average assets | 0.4462% | 2,880 |
| Noninterest expense to average assets | 1.5506% | 4,744 |
| Loan and lease loss provision to assets | 0.7736% | 167 |
| Net operating income to assets | 1.6464% | 580 |
| Return on assets (ROA) | 1.6464% | 625 |
| Pretax return on assets | 1.6464% | 963 |
| Return on Equity (ROE) | 17.0673% | 404 |
| Retained earnings to average equity (ytd only) | 3.7301% | 2,967 |
| Net charge-offs to loans | 0.1084% | 1,388 |
| Credit loss provision to net charge-offs | 1,519.6078% | 544 |
| Earnings coverage of net charge-offs (x) | 47.5392% | 1,246 |
| Efficiency ratio | 39.0523% | 4,887 |
| Assets per employee ($millions) | 10.7909% | 419 |
| Cash dividends to net income (ytd only)* | 78.1449% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7114% | 205 |
| Loan loss allowance to noncurrent loans | 437.0550% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 2,864 |
| Noncurrent loans to loans | 0.6204% | 2,142 |
| Net loans and leases to total assets | 44.9070% | 4,201 |
| Net loans and leases to deposits | 49.5671% | 4,335 |
| Net loans and leases to core deposits | 51.8536% | 4,349 |
| Total domestic deposits to total assets | 90.5985% | 338 |
| Equity capital to assets | 9.2273% | 3,863 |
| Core capital (leverage) ratio | 9.7097% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7970% | 682 |
| Memoranda: | ||
| Average total assets | $200,370,600 | 2,942 |
| Average earning assets | $191,058,200 | 2,901 |
| Average equity | $19,329,400 | 3,252 |
| Average total loans | $94,070,000 | 3,339 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 3,414 |
| Cost of funding earning assets | 0.1463% | 4,809 |
| Net interest margin | 3.7045% | 1,928 |
| Noninterest income to average assets | 0.5041% | 2,605 |
| Noninterest expense to average assets | 1.6060% | 4,724 |
| Loan and lease loss provision to assets | 0.2036% | 1,967 |
| Net operating income to assets | 2.2336% | 193 |
| Return on assets (ROA) | 2.2336% | 208 |
| Pretax return on assets | 2.2336% | 317 |
| Return on Equity (ROE) | 22.8805% | 155 |
| Retained earnings to average equity (ytd only) | 6.1580% | 2,037 |
| Net charge-offs to loans | 0.0129% | 2,641 |
| Credit loss provision to net charge-offs | 3,333.3333% | 323 |
| Earnings coverage of net charge-offs (x) | 399.1111% | 287 |
| Efficiency ratio | 39.7214% | 4,899 |
| Assets per employee ($millions) | 9.9013% | 521 |
| Cash dividends to net income (ytd only)* | 73.0863% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,571 |
| Loan loss allowance to noncurrent loans | 238.2716% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 2,826 |
| Noncurrent loans to loans | 0.6043% | 2,290 |
| Net loans and leases to total assets | 53.3700% | 3,855 |
| Net loans and leases to deposits | 59.5609% | 4,089 |
| Net loans and leases to core deposits | 62.5957% | 4,073 |
| Total domestic deposits to total assets | 89.6059% | 549 |
| Equity capital to assets | 10.1401% | 3,109 |
| Core capital (leverage) ratio | 9.6752% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3630% | 746 |
| Memoranda: | ||
| Average total assets | $196,509,000 | 2,954 |
| Average earning assets | $187,731,750 | 2,912 |
| Average equity | $19,183,250 | 3,259 |
| Average total loans | $92,683,000 | 3,373 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 3,768 |
| Cost of funding earning assets | 0.1477% | 4,885 |
| Net interest margin | 3.6895% | 2,206 |
| Noninterest income to average assets | 0.5724% | 2,244 |
| Noninterest expense to average assets | 1.6428% | 4,744 |
| Loan and lease loss provision to assets | 0.1531% | 2,473 |
| Net operating income to assets | 2.2938% | 192 |
| Return on assets (ROA) | 2.2938% | 211 |
| Pretax return on assets | 2.2938% | 308 |
| Return on Equity (ROE) | 23.8081% | 127 |
| Retained earnings to average equity (ytd only) | 0.1483% | 4,286 |
| Net charge-offs to loans | 0.0046% | 2,817 |
| Credit loss provision to net charge-offs | 7,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 1,199.0000% | 72 |
| Efficiency ratio | 40.1697% | 4,913 |
| Assets per employee ($millions) | 10.1641% | 473 |
| Cash dividends to net income (ytd only)* | 99.3772% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 1,464 |
| Loan loss allowance to noncurrent loans | 210.3604% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 3,000 |
| Noncurrent loans to loans | 0.6826% | 2,166 |
| Net loans and leases to total assets | 47.3064% | 4,296 |
| Net loans and leases to deposits | 52.3469% | 4,431 |
| Net loans and leases to core deposits | 54.7154% | 4,472 |
| Total domestic deposits to total assets | 90.3710% | 304 |
| Equity capital to assets | 9.4495% | 3,704 |
| Core capital (leverage) ratio | 9.2686% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4235% | 635 |
| Memoranda: | ||
| Average total assets | $196,003,667 | 2,936 |
| Average earning assets | $186,853,333 | 2,899 |
| Average equity | $18,884,333 | 3,279 |
| Average total loans | $87,834,000 | 3,462 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 3,488 |
| Cost of funding earning assets | 0.1640% | 4,952 |
| Net interest margin | 3.9501% | 1,533 |
| Noninterest income to average assets | 0.2599% | 3,988 |
| Noninterest expense to average assets | 1.6968% | 4,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.3185% | 148 |
| Return on assets (ROA) | 2.3185% | 162 |
| Pretax return on assets | 2.3185% | 228 |
| Return on Equity (ROE) | 23.8222% | 84 |
| Retained earnings to average equity (ytd only) | -20.1688% | 4,965 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2579% | 4,937 |
| Assets per employee ($millions) | 9.8569% | 400 |
| Cash dividends to net income (ytd only)* | 184.6637% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,540 |
| Loan loss allowance to noncurrent loans | 191.0061% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 3,110 |
| Noncurrent loans to loans | 0.7554% | 2,113 |
| Net loans and leases to total assets | 43.4170% | 4,530 |
| Net loans and leases to deposits | 47.9335% | 4,660 |
| Net loans and leases to core deposits | 50.2362% | 4,671 |
| Total domestic deposits to total assets | 90.5776% | 179 |
| Equity capital to assets | 9.2580% | 4,423 |
| Core capital (leverage) ratio | 9.5411% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2412% | 722 |
| Memoranda: | ||
| Average total assets | $192,365,000 | 2,927 |
| Average earning assets | $182,880,000 | 2,894 |
| Average equity | $18,722,000 | 3,299 |
| Average total loans | $82,968,000 | 3,534 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 3,571 |
| Cost of funding earning assets | 0.2078% | 4,948 |
| Net interest margin | 4.0783% | 1,598 |
| Noninterest income to average assets | 0.3647% | 3,517 |
| Noninterest expense to average assets | 1.7393% | 4,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.4862% | 137 |
| Return on assets (ROA) | 2.4862% | 146 |
| Pretax return on assets | 2.4862% | 218 |
| Return on Equity (ROE) | 24.5073% | 84 |
| Retained earnings to average equity (ytd only) | 6.4260% | 1,649 |
| Net charge-offs to loans | -0.0044% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1624% | 5,044 |
| Assets per employee ($millions) | 8.9330% | 514 |
| Cash dividends to net income (ytd only)* | 73.7794% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 1,011 |
| Loan loss allowance to noncurrent loans | 196.7033% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 3,053 |
| Noncurrent loans to loans | 0.8054% | 1,899 |
| Net loans and leases to total assets | 41.4936% | 4,689 |
| Net loans and leases to deposits | 46.3540% | 4,777 |
| Net loans and leases to core deposits | 48.4206% | 4,782 |
| Total domestic deposits to total assets | 89.5145% | 483 |
| Equity capital to assets | 10.2312% | 3,696 |
| Core capital (leverage) ratio | 10.7305% | 2,733 |
| Tier 1 risk-based capital ratio | 22.8000% | 933 |
| Total risk-based capital ratio | 24.0534% | 914 |
| Memoranda: | ||
| Average total assets | $177,940,400 | 3,042 |
| Average earning assets | $168,451,200 | 3,010 |
| Average equity | $18,051,800 | 3,333 |
| Average total loans | $67,468,200 | 3,824 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 3,545 |
| Cost of funding earning assets | 0.2142% | 5,009 |
| Net interest margin | 4.1270% | 1,555 |
| Noninterest income to average assets | 0.3623% | 3,555 |
| Noninterest expense to average assets | 1.7342% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.5363% | 152 |
| Return on assets (ROA) | 2.5363% | 161 |
| Pretax return on assets | 2.5363% | 234 |
| Return on Equity (ROE) | 25.0578% | 91 |
| Retained earnings to average equity (ytd only) | 3.1369% | 3,836 |
| Net charge-offs to loans | -0.0062% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6083% | 5,107 |
| Assets per employee ($millions) | 8.9402% | 494 |
| Cash dividends to net income (ytd only)* | 87.4813% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 893 |
| Loan loss allowance to noncurrent loans | 194.8678% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 2,989 |
| Noncurrent loans to loans | 0.8488% | 1,884 |
| Net loans and leases to total assets | 43.8569% | 4,697 |
| Net loans and leases to deposits | 49.3557% | 4,795 |
| Net loans and leases to core deposits | 51.8103% | 4,803 |
| Total domestic deposits to total assets | 88.8587% | 671 |
| Equity capital to assets | 10.8622% | 3,239 |
| Core capital (leverage) ratio | 10.9524% | 2,685 |
| Tier 1 risk-based capital ratio | 22.7738% | 973 |
| Total risk-based capital ratio | 24.0279% | 948 |
| Memoranda: | ||
| Average total assets | $175,527,250 | 3,096 |
| Average earning assets | $166,216,500 | 3,054 |
| Average equity | $17,766,500 | 3,386 |
| Average total loans | $64,562,250 | 3,933 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 3,931 |
| Cost of funding earning assets | 0.2015% | 5,072 |
| Net interest margin | 3.9963% | 1,934 |
| Noninterest income to average assets | 0.3675% | 3,482 |
| Noninterest expense to average assets | 1.7112% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.4575% | 164 |
| Return on assets (ROA) | 2.4575% | 168 |
| Pretax return on assets | 2.4575% | 260 |
| Return on Equity (ROE) | 24.8598% | 95 |
| Retained earnings to average equity (ytd only) | -4.5272% | 5,039 |
| Net charge-offs to loans | -0.0099% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0492% | 5,142 |
| Assets per employee ($millions) | 9.7411% | 362 |
| Cash dividends to net income (ytd only)* | 118.2110% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 694 |
| Loan loss allowance to noncurrent loans | 1,509.6386% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,513 |
| Noncurrent loans to loans | 0.1186% | 4,147 |
| Net loans and leases to total assets | 41.5108% | 4,800 |
| Net loans and leases to deposits | 46.5832% | 4,886 |
| Net loans and leases to core deposits | 48.7193% | 4,893 |
| Total domestic deposits to total assets | 89.1110% | 619 |
| Equity capital to assets | 10.6499% | 3,389 |
| Core capital (leverage) ratio | 10.3030% | 3,282 |
| Tier 1 risk-based capital ratio | 23.6991% | 876 |
| Total risk-based capital ratio | 24.9543% | 857 |
| Memoranda: | ||
| Average total assets | $177,415,000 | 3,086 |
| Average earning assets | $168,757,670 | 3,040 |
| Average equity | $17,538,330 | 3,413 |
| Average total loans | $60,833,000 | 4,035 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 4,097 |
| Cost of funding earning assets | 0.1900% | 5,138 |
| Net interest margin | 3.9197% | 2,131 |
| Noninterest income to average assets | 0.3906% | 3,255 |
| Noninterest expense to average assets | 1.6234% | 5,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5027% | 162 |
| Return on assets (ROA) | 2.5027% | 171 |
| Pretax return on assets | 2.5027% | 248 |
| Return on Equity (ROE) | 26.2329% | 87 |
| Retained earnings to average equity (ytd only) | -24.7920% | 5,289 |
| Net charge-offs to loans | -0.0213% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3443% | 5,219 |
| Assets per employee ($millions) | 9.9849% | 342 |
| Cash dividends to net income (ytd only)* | 194.5074% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1948% | 358 |
| Loan loss allowance to noncurrent loans | 1,509.6386% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 4,597 |
| Noncurrent loans to loans | 0.1454% | 4,085 |
| Net loans and leases to total assets | 31.0669% | 5,133 |
| Net loans and leases to deposits | 34.3818% | 5,166 |
| Net loans and leases to core deposits | 34.6954% | 5,184 |
| Total domestic deposits to total assets | 90.3588% | 330 |
| Equity capital to assets | 9.4298% | 4,322 |
| Core capital (leverage) ratio | 9.1046% | 4,566 |
| Tier 1 risk-based capital ratio | 28.3388% | 540 |
| Total risk-based capital ratio | 29.5995% | 533 |
| Memoranda: | ||
| Average total assets | $183,323,500 | 3,054 |
| Average earning assets | $174,708,500 | 3,004 |
| Average equity | $17,489,500 | 3,420 |
| Average total loans | $56,252,500 | 4,159 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5609% | 4,847 |
| Cost of funding earning assets | 0.1290% | 5,227 |
| Net interest margin | 3.4318% | 3,905 |
| Noninterest income to average assets | 0.2889% | 4,173 |
| Noninterest expense to average assets | 1.5354% | 5,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.0436% | 325 |
| Return on assets (ROA) | 2.0436% | 324 |
| Pretax return on assets | 2.0436% | 505 |
| Return on Equity (ROE) | 21.8896% | 159 |
| Retained earnings to average equity (ytd only) | 6.6438% | 1,844 |
| Net charge-offs to loans | -0.6536% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9012% | 5,214 |
| Assets per employee ($millions) | 9.8378% | 358 |
| Cash dividends to net income (ytd only)* | 69.6486% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2557% | 298 |
| Loan loss allowance to noncurrent loans | 4,464.2857% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,819 |
| Noncurrent loans to loans | 0.0505% | 4,515 |
| Net loans and leases to total assets | 28.9783% | 5,220 |
| Net loans and leases to deposits | 32.1815% | 5,242 |
| Net loans and leases to core deposits | 32.4159% | 5,254 |
| Total domestic deposits to total assets | 90.0465% | 462 |
| Equity capital to assets | 9.6464% | 4,010 |
| Core capital (leverage) ratio | 10.0747% | 3,492 |
| Tier 1 risk-based capital ratio | 30.9710% | 426 |
| Total risk-based capital ratio | 32.2317% | 423 |
| Memoranda: | ||
| Average total assets | $181,055,000 | 3,044 |
| Average earning assets | $173,580,600 | 2,989 |
| Average equity | $16,903,000 | 3,409 |
| Average total loans | $56,605,600 | 4,172 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 4,903 |
| Cost of funding earning assets | 0.1222% | 5,299 |
| Net interest margin | 3.4062% | 3,990 |
| Noninterest income to average assets | 0.3096% | 4,076 |
| Noninterest expense to average assets | 1.5264% | 5,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0528% | 337 |
| Return on assets (ROA) | 2.0528% | 335 |
| Pretax return on assets | 2.0528% | 544 |
| Return on Equity (ROE) | 22.1802% | 158 |
| Retained earnings to average equity (ytd only) | 2.8879% | 4,276 |
| Net charge-offs to loans | -0.8833% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6468% | 5,258 |
| Assets per employee ($millions) | 9.0359% | 444 |
| Cash dividends to net income (ytd only)* | 86.9803% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3366% | 292 |
| Loan loss allowance to noncurrent loans | 3,397.2973% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 4,883 |
| Noncurrent loans to loans | 0.0688% | 4,572 |
| Net loans and leases to total assets | 30.6019% | 5,266 |
| Net loans and leases to deposits | 34.1344% | 5,298 |
| Net loans and leases to core deposits | 34.4649% | 5,315 |
| Total domestic deposits to total assets | 89.6512% | 620 |
| Equity capital to assets | 10.0581% | 3,580 |
| Core capital (leverage) ratio | 10.0056% | 3,627 |
| Tier 1 risk-based capital ratio | 30.1747% | 469 |
| Total risk-based capital ratio | 31.4363% | 459 |
| Memoranda: | ||
| Average total assets | $179,589,000 | 3,076 |
| Average earning assets | $172,388,500 | 3,026 |
| Average equity | $16,621,000 | 3,465 |
| Average total loans | $56,903,000 | 4,212 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4427% | 4,984 |
| Cost of funding earning assets | 0.1097% | 5,378 |
| Net interest margin | 3.3330% | 4,151 |
| Noninterest income to average assets | 0.3666% | 3,702 |
| Noninterest expense to average assets | 1.5113% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0579% | 331 |
| Return on assets (ROA) | 2.0579% | 328 |
| Pretax return on assets | 2.0579% | 533 |
| Return on Equity (ROE) | 22.8584% | 132 |
| Retained earnings to average equity (ytd only) | -4.3766% | 5,261 |
| Net charge-offs to loans | -1.3014% | 5,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3432% | 5,330 |
| Assets per employee ($millions) | 9.8991% | 326 |
| Cash dividends to net income (ytd only)* | 119.1467% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3402% | 297 |
| Loan loss allowance to noncurrent loans | 17,957.1429% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 5,039 |
| Noncurrent loans to loans | 0.0130% | 4,888 |
| Net loans and leases to total assets | 29.4400% | 5,338 |
| Net loans and leases to deposits | 32.5460% | 5,369 |
| Net loans and leases to core deposits | 32.7543% | 5,380 |
| Total domestic deposits to total assets | 90.4564% | 414 |
| Equity capital to assets | 9.2876% | 4,299 |
| Core capital (leverage) ratio | 9.4642% | 4,151 |
| Tier 1 risk-based capital ratio | 29.2452% | 506 |
| Total risk-based capital ratio | 30.5070% | 500 |
| Memoranda: | ||
| Average total assets | $182,224,670 | 3,074 |
| Average earning assets | $175,095,670 | 3,008 |
| Average equity | $16,405,330 | 3,514 |
| Average total loans | $57,939,000 | 4,218 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4286% | 4,978 |
| Cost of funding earning assets | 0.1107% | 5,429 |
| Net interest margin | 3.3178% | 4,140 |
| Noninterest income to average assets | 0.2931% | 4,204 |
| Noninterest expense to average assets | 1.5045% | 5,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9756% | 393 |
| Return on assets (ROA) | 1.9756% | 395 |
| Pretax return on assets | 1.9756% | 600 |
| Return on Equity (ROE) | 22.2855% | 156 |
| Retained earnings to average equity (ytd only) | -28.1385% | 5,549 |
| Net charge-offs to loans | -2.5112% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2314% | 5,367 |
| Assets per employee ($millions) | 9.4144% | 384 |
| Cash dividends to net income (ytd only)* | 226.2637% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0369% | 499 |
| Loan loss allowance to noncurrent loans | 2,285.4545% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 4,956 |
| Noncurrent loans to loans | 0.0891% | 4,582 |
| Net loans and leases to total assets | 33.7975% | 5,276 |
| Net loans and leases to deposits | 37.1608% | 5,334 |
| Net loans and leases to core deposits | 37.3966% | 5,364 |
| Total domestic deposits to total assets | 90.9495% | 339 |
| Equity capital to assets | 8.8101% | 4,732 |
| Core capital (leverage) ratio | 8.6435% | 5,025 |
| Tier 1 risk-based capital ratio | 24.4553% | 800 |
| Total risk-based capital ratio | 25.7138% | 777 |
| Memoranda: | ||
| Average total assets | $184,245,500 | 3,089 |
| Average earning assets | $176,983,500 | 3,024 |
| Average equity | $16,333,500 | 3,550 |
| Average total loans | $60,051,500 | 4,193 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1177% | 5,271 |
| Cost of funding earning assets | 0.1239% | 5,393 |
| Net interest margin | 2.9938% | 4,899 |
| Noninterest income to average assets | 0.3146% | 4,211 |
| Noninterest expense to average assets | 1.2741% | 5,564 |
| Loan and lease loss provision to assets | 0.1425% | 1,594 |
| Net operating income to assets | 1.6660% | 565 |
| Return on assets (ROA) | 1.6660% | 583 |
| Pretax return on assets | 1.6660% | 1,108 |
| Return on Equity (ROE) | 19.2257% | 228 |
| Retained earnings to average equity (ytd only) | 9.4294% | 435 |
| Net charge-offs to loans | 0.3496% | 730 |
| Credit loss provision to net charge-offs | 130.6533% | 2,012 |
| Earnings coverage of net charge-offs (x) | 16.5829% | 2,168 |
| Efficiency ratio | 41.3333% | 5,503 |
| Assets per employee ($millions) | 9.9798% | 321 |
| Cash dividends to net income (ytd only)* | 50.9539% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 1,386 |
| Loan loss allowance to noncurrent loans | 1,833.3333% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,028 |
| Noncurrent loans to loans | 0.0822% | 4,632 |
| Net loans and leases to total assets | 30.3301% | 5,430 |
| Net loans and leases to deposits | 33.3966% | 5,470 |
| Net loans and leases to core deposits | 33.6477% | 5,491 |
| Total domestic deposits to total assets | 90.8178% | 290 |
| Equity capital to assets | 8.9169% | 4,803 |
| Core capital (leverage) ratio | 9.3018% | 4,287 |
| Tier 1 risk-based capital ratio | 27.5016% | 572 |
| Total risk-based capital ratio | 28.7541% | 560 |
| Memoranda: | ||
| Average total assets | $182,477,600 | 3,084 |
| Average earning assets | $168,715,200 | 3,095 |
| Average equity | $15,812,200 | 3,624 |
| Average total loans | $56,916,200 | 4,268 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1243% | 5,309 |
| Cost of funding earning assets | 0.1257% | 5,450 |
| Net interest margin | 2.9986% | 4,922 |
| Noninterest income to average assets | 0.3077% | 4,327 |
| Noninterest expense to average assets | 1.2537% | 5,639 |
| Loan and lease loss provision to assets | 0.1919% | 1,006 |
| Net operating income to assets | 1.6071% | 704 |
| Return on assets (ROA) | 1.6071% | 723 |
| Pretax return on assets | 1.6071% | 1,393 |
| Return on Equity (ROE) | 18.6889% | 294 |
| Retained earnings to average equity (ytd only) | 6.8732% | 1,755 |
| Net charge-offs to loans | -0.1368% | 5,455 |
| Credit loss provision to net charge-offs | -448.2759% | 4,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0684% | 5,557 |
| Assets per employee ($millions) | 9.1618% | 408 |
| Cash dividends to net income (ytd only)* | 63.2229% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9368% | 652 |
| Loan loss allowance to noncurrent loans | 2,368.7500% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 5,057 |
| Noncurrent loans to loans | 0.0818% | 4,744 |
| Net loans and leases to total assets | 33.0702% | 5,428 |
| Net loans and leases to deposits | 36.5860% | 5,488 |
| Net loans and leases to core deposits | 36.8873% | 5,512 |
| Total domestic deposits to total assets | 90.3903% | 353 |
| Equity capital to assets | 9.3167% | 4,636 |
| Core capital (leverage) ratio | 9.1905% | 4,526 |
| Tier 1 risk-based capital ratio | 25.5901% | 701 |
| Total risk-based capital ratio | 26.8461% | 695 |
| Memoranda: | ||
| Average total assets | $180,692,750 | 3,133 |
| Average earning assets | $165,408,000 | 3,161 |
| Average equity | $15,538,250 | 3,686 |
| Average total loans | $56,547,500 | 4,314 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9357% | 5,483 |
| Cost of funding earning assets | 0.1240% | 5,486 |
| Net interest margin | 2.8117% | 5,223 |
| Noninterest income to average assets | 0.2952% | 4,426 |
| Noninterest expense to average assets | 1.3341% | 5,653 |
| Loan and lease loss provision to assets | 0.0984% | 2,046 |
| Net operating income to assets | 1.4412% | 971 |
| Return on assets (ROA) | 1.4412% | 998 |
| Pretax return on assets | 1.4412% | 1,853 |
| Return on Equity (ROE) | 17.2156% | 397 |
| Retained earnings to average equity (ytd only) | 1.4760% | 4,654 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4231% | 5,451 |
| Assets per employee ($millions) | 9.2686% | 382 |
| Cash dividends to net income (ytd only)* | 91.4264% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,521 |
| Loan loss allowance to noncurrent loans | 1,567.2414% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 5,038 |
| Noncurrent loans to loans | 0.0969% | 4,741 |
| Net loans and leases to total assets | 33.4683% | 5,465 |
| Net loans and leases to deposits | 36.8484% | 5,525 |
| Net loans and leases to core deposits | 37.0280% | 5,553 |
| Total domestic deposits to total assets | 90.8270% | 264 |
| Equity capital to assets | 8.8187% | 5,057 |
| Core capital (leverage) ratio | 8.1976% | 5,432 |
| Tier 1 risk-based capital ratio | 23.7728% | 877 |
| Total risk-based capital ratio | 25.0249% | 861 |
| Memoranda: | ||
| Average total assets | $182,898,670 | 3,121 |
| Average earning assets | $167,727,330 | 3,139 |
| Average equity | $15,311,670 | 3,722 |
| Average total loans | $55,828,670 | 4,357 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7542% | 5,619 |
| Cost of funding earning assets | 0.1098% | 5,613 |
| Net interest margin | 2.6444% | 5,439 |
| Noninterest income to average assets | 0.2899% | 4,481 |
| Noninterest expense to average assets | 1.3312% | 5,725 |
| Loan and lease loss provision to assets | 0.0966% | 1,942 |
| Net operating income to assets | 1.2926% | 1,258 |
| Return on assets (ROA) | 1.2926% | 1,292 |
| Pretax return on assets | 1.2926% | 2,260 |
| Return on Equity (ROE) | 15.8395% | 544 |
| Retained earnings to average equity (ytd only) | -11.2613% | 5,606 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9345% | 5,421 |
| Assets per employee ($millions) | 9.5851% | 346 |
| Cash dividends to net income (ytd only)* | 171.0963% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 1,494 |
| Loan loss allowance to noncurrent loans | 1,489.6552% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 4,865 |
| Noncurrent loans to loans | 0.1045% | 4,769 |
| Net loans and leases to total assets | 28.5027% | 5,619 |
| Net loans and leases to deposits | 31.0291% | 5,668 |
| Net loans and leases to core deposits | 31.1694% | 5,677 |
| Total domestic deposits to total assets | 91.8582% | 120 |
| Equity capital to assets | 7.8189% | 5,596 |
| Core capital (leverage) ratio | 8.2263% | 5,426 |
| Tier 1 risk-based capital ratio | 24.0675% | 863 |
| Total risk-based capital ratio | 25.3199% | 847 |
| Memoranda: | ||
| Average total assets | $186,296,000 | 3,128 |
| Average earning assets | $171,231,500 | 3,119 |
| Average equity | $15,202,500 | 3,757 |
| Average total loans | $53,819,000 | 4,462 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4916% | 5,760 |
| Cost of funding earning assets | 0.1227% | 5,600 |
| Net interest margin | 2.3689% | 5,670 |
| Noninterest income to average assets | 0.3471% | 4,249 |
| Noninterest expense to average assets | 1.3720% | 5,787 |
| Loan and lease loss provision to assets | 0.0869% | 2,626 |
| Net operating income to assets | 1.0470% | 2,152 |
| Return on assets (ROA) | 1.0470% | 2,259 |
| Pretax return on assets | 1.0470% | 3,309 |
| Return on Equity (ROE) | 12.0642% | 1,228 |
| Retained earnings to average equity (ytd only) | 1.7092% | 4,556 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7514% | 5,174 |
| Assets per employee ($millions) | 9.0446% | 419 |
| Cash dividends to net income (ytd only)* | 85.8329% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 1,440 |
| Loan loss allowance to noncurrent loans | 1,365.0000% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 4,885 |
| Noncurrent loans to loans | 0.1151% | 4,775 |
| Net loans and leases to total assets | 28.3679% | 5,673 |
| Net loans and leases to deposits | 31.1326% | 5,723 |
| Net loans and leases to core deposits | 31.2830% | 5,738 |
| Total domestic deposits to total assets | 91.1195% | 244 |
| Equity capital to assets | 8.5223% | 5,254 |
| Core capital (leverage) ratio | 8.1461% | 5,536 |
| Tier 1 risk-based capital ratio | 26.4080% | 662 |
| Total risk-based capital ratio | 27.6602% | 647 |
| Memoranda: | ||
| Average total assets | $172,594,800 | 3,254 |
| Average earning assets | $157,287,400 | 3,276 |
| Average equity | $14,978,200 | 3,812 |
| Average total loans | $47,773,600 | 4,643 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4665% | 5,833 |
| Cost of funding earning assets | 0.1203% | 5,675 |
| Net interest margin | 2.3462% | 5,754 |
| Noninterest income to average assets | 0.3276% | 4,436 |
| Noninterest expense to average assets | 1.3855% | 5,827 |
| Loan and lease loss provision to assets | 0.0821% | 2,565 |
| Net operating income to assets | 0.9946% | 2,460 |
| Return on assets (ROA) | 0.9946% | 2,601 |
| Pretax return on assets | 0.9946% | 3,652 |
| Return on Equity (ROE) | 11.4062% | 1,524 |
| Retained earnings to average equity (ytd only) | -0.9595% | 5,487 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2718% | 5,037 |
| Assets per employee ($millions) | 8.7853% | 441 |
| Cash dividends to net income (ytd only)* | 108.4118% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,596 |
| Loan loss allowance to noncurrent loans | 667.2414% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 4,645 |
| Noncurrent loans to loans | 0.2334% | 4,434 |
| Net loans and leases to total assets | 27.8427% | 5,758 |
| Net loans and leases to deposits | 30.5729% | 5,807 |
| Net loans and leases to core deposits | 30.7248% | 5,820 |
| Total domestic deposits to total assets | 91.0697% | 177 |
| Equity capital to assets | 8.5678% | 5,495 |
| Core capital (leverage) ratio | 9.0575% | 4,767 |
| Tier 1 risk-based capital ratio | 26.7256% | 663 |
| Total risk-based capital ratio | 27.9772% | 647 |
| Memoranda: | ||
| Average total assets | $170,520,750 | 3,291 |
| Average earning assets | $155,138,750 | 3,321 |
| Average equity | $14,868,750 | 3,856 |
| Average total loans | $46,683,500 | 4,713 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4356% | 5,919 |
| Cost of funding earning assets | 0.1265% | 5,720 |
| Net interest margin | 2.3091% | 5,857 |
| Noninterest income to average assets | 0.3495% | 4,279 |
| Noninterest expense to average assets | 1.4136% | 5,897 |
| Loan and lease loss provision to assets | 0.0711% | 2,713 |
| Net operating income to assets | 0.9633% | 2,559 |
| Return on assets (ROA) | 0.9633% | 2,705 |
| Pretax return on assets | 0.9633% | 3,731 |
| Return on Equity (ROE) | 10.9813% | 1,650 |
| Retained earnings to average equity (ytd only) | -5.3218% | 5,759 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7444% | 4,939 |
| Assets per employee ($millions) | 7.9149% | 585 |
| Cash dividends to net income (ytd only)* | 148.4625% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,750 |
| Loan loss allowance to noncurrent loans | 1,175.8065% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 4,564 |
| Noncurrent loans to loans | 0.1303% | 4,916 |
| Net loans and leases to total assets | 28.1970% | 5,818 |
| Net loans and leases to deposits | 31.0769% | 5,870 |
| Net loans and leases to core deposits | 31.1887% | 5,879 |
| Total domestic deposits to total assets | 90.7330% | 251 |
| Equity capital to assets | 8.8850% | 5,325 |
| Core capital (leverage) ratio | 8.9689% | 4,867 |
| Tier 1 risk-based capital ratio | 26.5086% | 689 |
| Total risk-based capital ratio | 27.7596% | 671 |
| Memoranda: | ||
| Average total assets | $168,792,670 | 3,328 |
| Average earning assets | $153,393,330 | 3,364 |
| Average equity | $14,807,000 | 3,889 |
| Average total loans | $45,679,670 | 4,780 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3070% | 6,020 |
| Cost of funding earning assets | 0.1267% | 5,775 |
| Net interest margin | 2.1803% | 5,972 |
| Noninterest income to average assets | 0.3057% | 4,539 |
| Noninterest expense to average assets | 1.3923% | 5,966 |
| Loan and lease loss provision to assets | 0.0353% | 3,192 |
| Net operating income to assets | 0.8608% | 2,946 |
| Return on assets (ROA) | 0.8608% | 3,060 |
| Pretax return on assets | 0.8608% | 4,001 |
| Return on Equity (ROE) | 9.8742% | 2,040 |
| Retained earnings to average equity (ytd only) | -17.9408% | 5,946 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8428% | 4,624 |
| Assets per employee ($millions) | 8.2337% | 516 |
| Cash dividends to net income (ytd only)* | 281.6940% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 1,838 |
| Loan loss allowance to noncurrent loans | 1,425.0000% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 5,240 |
| Noncurrent loans to loans | 0.1079% | 5,046 |
| Net loans and leases to total assets | 26.6035% | 5,907 |
| Net loans and leases to deposits | 29.2915% | 5,940 |
| Net loans and leases to core deposits | 29.3977% | 5,952 |
| Total domestic deposits to total assets | 90.8231% | 322 |
| Equity capital to assets | 8.8016% | 5,338 |
| Core capital (leverage) ratio | 8.6627% | 5,221 |
| Tier 1 risk-based capital ratio | 27.4668% | 643 |
| Total risk-based capital ratio | 28.7173% | 631 |
| Memoranda: | ||
| Average total assets | $170,082,500 | 3,323 |
| Average earning assets | $154,660,500 | 3,355 |
| Average equity | $14,826,500 | 3,889 |
| Average total loans | $44,721,500 | 4,844 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3972% | 6,030 |
| Cost of funding earning assets | 0.1343% | 5,788 |
| Net interest margin | 2.2630% | 5,964 |
| Noninterest income to average assets | 0.3440% | 4,455 |
| Noninterest expense to average assets | 1.3867% | 6,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0109% | 2,304 |
| Return on assets (ROA) | 1.0109% | 2,394 |
| Pretax return on assets | 1.0109% | 3,424 |
| Return on Equity (ROE) | 13.8580% | 863 |
| Retained earnings to average equity (ytd only) | 1.7940% | 4,711 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8368% | 5,159 |
| Assets per employee ($millions) | 8.7746% | 414 |
| Cash dividends to net income (ytd only)* | 87.0546% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 2,061 |
| Loan loss allowance to noncurrent loans | 530.9524% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 5,114 |
| Noncurrent loans to loans | 0.2803% | 4,456 |
| Net loans and leases to total assets | 25.2326% | 5,990 |
| Net loans and leases to deposits | 27.7316% | 6,016 |
| Net loans and leases to core deposits | 27.8257% | 6,023 |
| Total domestic deposits to total assets | 90.9887% | 283 |
| Equity capital to assets | 8.6380% | 5,436 |
| Core capital (leverage) ratio | 9.1129% | 4,735 |
| Tier 1 risk-based capital ratio | 29.0037% | 553 |
| Total risk-based capital ratio | 30.2548% | 545 |
| Memoranda: | ||
| Average total assets | $166,586,600 | 3,356 |
| Average earning assets | $151,173,600 | 3,387 |
| Average equity | $12,151,800 | 4,279 |
| Average total loans | $46,142,000 | 4,786 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4352% | 6,110 |
| Cost of funding earning assets | 0.1372% | 5,871 |
| Net interest margin | 2.2980% | 6,034 |
| Noninterest income to average assets | 0.3537% | 4,412 |
| Noninterest expense to average assets | 1.3961% | 6,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0359% | 2,295 |
| Return on assets (ROA) | 1.0359% | 2,393 |
| Pretax return on assets | 1.0359% | 3,482 |
| Return on Equity (ROE) | 14.9353% | 734 |
| Retained earnings to average equity (ytd only) | -0.5029% | 5,693 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4049% | 5,191 |
| Assets per employee ($millions) | 8.3383% | 465 |
| Cash dividends to net income (ytd only)* | 103.3678% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 2,218 |
| Loan loss allowance to noncurrent loans | 535.2000% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 5,250 |
| Noncurrent loans to loans | 0.2775% | 4,582 |
| Net loans and leases to total assets | 26.6117% | 6,055 |
| Net loans and leases to deposits | 28.7248% | 6,093 |
| Net loans and leases to core deposits | 28.7738% | 6,109 |
| Total domestic deposits to total assets | 92.6435% | 55 |
| Equity capital to assets | 6.9583% | 6,156 |
| Core capital (leverage) ratio | 7.2332% | 6,101 |
| Tier 1 risk-based capital ratio | 21.6959% | 1,237 |
| Total risk-based capital ratio | 22.9465% | 1,210 |
| Memoranda: | ||
| Average total assets | $164,360,500 | 3,415 |
| Average earning assets | $148,647,750 | 3,455 |
| Average equity | $11,400,000 | 4,460 |
| Average total loans | $46,440,000 | 4,828 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4644% | 6,175 |
| Cost of funding earning assets | 0.1390% | 5,928 |
| Net interest margin | 2.3254% | 6,086 |
| Noninterest income to average assets | 0.3253% | 4,620 |
| Noninterest expense to average assets | 1.3989% | 6,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0333% | 2,208 |
| Return on assets (ROA) | 1.0333% | 2,328 |
| Pretax return on assets | 1.0333% | 3,442 |
| Return on Equity (ROE) | 14.9135% | 748 |
| Retained earnings to average equity (ytd only) | -5.7889% | 6,053 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5163% | 5,276 |
| Assets per employee ($millions) | 8.5464% | 432 |
| Cash dividends to net income (ytd only)* | 138.8166% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 2,526 |
| Loan loss allowance to noncurrent loans | 526.7717% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 5,335 |
| Noncurrent loans to loans | 0.2746% | 4,686 |
| Net loans and leases to total assets | 28.0679% | 6,095 |
| Net loans and leases to deposits | 30.2978% | 6,141 |
| Net loans and leases to core deposits | 30.3507% | 6,152 |
| Total domestic deposits to total assets | 92.6401% | 72 |
| Equity capital to assets | 6.9639% | 6,199 |
| Core capital (leverage) ratio | 7.0477% | 6,181 |
| Tier 1 risk-based capital ratio | 22.7279% | 1,111 |
| Total risk-based capital ratio | 23.9786% | 1,089 |
| Memoranda: | ||
| Average total assets | $163,559,000 | 3,440 |
| Average earning assets | $148,188,330 | 3,486 |
| Average equity | $11,332,000 | 4,501 |
| Average total loans | $46,904,000 | 4,857 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4756% | 6,230 |
| Cost of funding earning assets | 0.1401% | 5,997 |
| Net interest margin | 2.3355% | 6,139 |
| Noninterest income to average assets | 0.3168% | 4,654 |
| Noninterest expense to average assets | 1.3549% | 6,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0746% | 1,949 |
| Return on assets (ROA) | 1.0746% | 2,070 |
| Pretax return on assets | 1.0746% | 3,194 |
| Return on Equity (ROE) | 15.5501% | 625 |
| Retained earnings to average equity (ytd only) | -20.6276% | 6,278 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7673% | 5,533 |
| Assets per employee ($millions) | 9.1430% | 348 |
| Cash dividends to net income (ytd only)* | 232.6531% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 2,647 |
| Loan loss allowance to noncurrent loans | 539.5161% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 5,452 |
| Noncurrent loans to loans | 0.2698% | 4,815 |
| Net loans and leases to total assets | 27.5238% | 6,153 |
| Net loans and leases to deposits | 29.8218% | 6,202 |
| Net loans and leases to core deposits | 29.8734% | 6,213 |
| Total domestic deposits to total assets | 92.2940% | 119 |
| Equity capital to assets | 6.7234% | 6,286 |
| Core capital (leverage) ratio | 6.7521% | 6,261 |
| Tier 1 risk-based capital ratio | 21.8585% | 1,265 |
| Total risk-based capital ratio | 23.1091% | 1,239 |
| Memoranda: | ||
| Average total assets | $164,148,000 | 3,450 |
| Average earning assets | $148,489,000 | 3,490 |
| Average equity | $11,344,000 | 4,537 |
| Average total loans | $47,233,000 | 4,878 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6759% | 6,272 |
| Cost of funding earning assets | 0.1496% | 6,106 |
| Net interest margin | 2.5263% | 6,130 |
| Noninterest income to average assets | 0.3683% | 4,445 |
| Noninterest expense to average assets | 1.4050% | 6,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2521% | 1,425 |
| Return on assets (ROA) | 1.2521% | 1,487 |
| Pretax return on assets | 1.2521% | 2,433 |
| Return on Equity (ROE) | 17.6396% | 431 |
| Retained earnings to average equity (ytd only) | 4.4234% | 3,032 |
| Net charge-offs to loans | -0.0460% | 5,902 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8761% | 5,921 |
| Assets per employee ($millions) | 7.4419% | 682 |
| Cash dividends to net income (ytd only)* | 74.9234% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 3,052 |
| Loan loss allowance to noncurrent loans | 365.5738% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 5,370 |
| Noncurrent loans to loans | 0.3773% | 4,508 |
| Net loans and leases to total assets | 29.2148% | 6,200 |
| Net loans and leases to deposits | 31.8116% | 6,265 |
| Net loans and leases to core deposits | 31.8672% | 6,280 |
| Total domestic deposits to total assets | 91.8368% | 170 |
| Equity capital to assets | 7.0992% | 6,312 |
| Core capital (leverage) ratio | 7.0462% | 6,303 |
| Tier 1 risk-based capital ratio | 21.9094% | 1,236 |
| Total risk-based capital ratio | 23.1601% | 1,216 |
| Memoranda: | ||
| Average total assets | $156,374,000 | 3,547 |
| Average earning assets | $141,669,400 | 3,574 |
| Average equity | $11,100,000 | 4,545 |
| Average total loans | $50,006,600 | 4,818 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6825% | 6,341 |
| Cost of funding earning assets | 0.1486% | 6,193 |
| Net interest margin | 2.5340% | 6,199 |
| Noninterest income to average assets | 0.3658% | 4,498 |
| Noninterest expense to average assets | 1.4046% | 6,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2571% | 1,507 |
| Return on assets (ROA) | 1.2571% | 1,564 |
| Pretax return on assets | 1.2571% | 2,545 |
| Return on Equity (ROE) | 17.7097% | 470 |
| Retained earnings to average equity (ytd only) | 1.6652% | 5,215 |
| Net charge-offs to loans | -0.0609% | 5,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7715% | 5,942 |
| Assets per employee ($millions) | 8.6749% | 385 |
| Cash dividends to net income (ytd only)* | 90.5972% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 3,649 |
| Loan loss allowance to noncurrent loans | 380.1136% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 5,554 |
| Noncurrent loans to loans | 0.3418% | 4,874 |
| Net loans and leases to total assets | 30.8311% | 6,232 |
| Net loans and leases to deposits | 34.0387% | 6,295 |
| Net loans and leases to core deposits | 34.0985% | 6,318 |
| Total domestic deposits to total assets | 90.5766% | 496 |
| Equity capital to assets | 6.8400% | 6,407 |
| Core capital (leverage) ratio | 7.0992% | 6,371 |
| Tier 1 risk-based capital ratio | 20.2014% | 1,619 |
| Total risk-based capital ratio | 21.3979% | 1,602 |
| Memoranda: | ||
| Average total assets | $154,537,000 | 3,596 |
| Average earning assets | $140,013,250 | 3,629 |
| Average equity | $10,969,250 | 4,603 |
| Average total loans | $50,383,250 | 4,851 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6827% | 6,397 |
| Cost of funding earning assets | 0.1510% | 6,261 |
| Net interest margin | 2.5317% | 6,236 |
| Noninterest income to average assets | 0.3732% | 4,451 |
| Noninterest expense to average assets | 1.4149% | 6,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2441% | 1,461 |
| Return on assets (ROA) | 1.2441% | 1,526 |
| Pretax return on assets | 1.2441% | 2,485 |
| Return on Equity (ROE) | 17.2990% | 523 |
| Retained earnings to average equity (ytd only) | -4.2879% | 6,195 |
| Net charge-offs to loans | -0.0920% | 6,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2106% | 5,979 |
| Assets per employee ($millions) | 8.2496% | 446 |
| Cash dividends to net income (ytd only)* | 124.7872% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 3,918 |
| Loan loss allowance to noncurrent loans | 265.4762% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 5,671 |
| Noncurrent loans to loans | 0.4851% | 4,545 |
| Net loans and leases to total assets | 32.7121% | 6,210 |
| Net loans and leases to deposits | 36.0780% | 6,289 |
| Net loans and leases to core deposits | 36.1443% | 6,327 |
| Total domestic deposits to total assets | 90.6707% | 516 |
| Equity capital to assets | 6.9713% | 6,447 |
| Core capital (leverage) ratio | 7.3053% | 6,372 |
| Tier 1 risk-based capital ratio | 19.3544% | 1,838 |
| Total risk-based capital ratio | 20.5396% | 1,818 |
| Memoranda: | ||
| Average total assets | $151,108,000 | 3,663 |
| Average earning assets | $136,431,670 | 3,703 |
| Average equity | $10,867,670 | 4,643 |
| Average total loans | $50,015,670 | 4,894 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7086% | 6,459 |
| Cost of funding earning assets | 0.1496% | 6,357 |
| Net interest margin | 2.5590% | 6,275 |
| Noninterest income to average assets | 0.3749% | 4,385 |
| Noninterest expense to average assets | 1.6238% | 6,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0574% | 1,975 |
| Return on assets (ROA) | 1.0574% | 2,048 |
| Pretax return on assets | 1.0574% | 3,097 |
| Return on Equity (ROE) | 14.4676% | 864 |
| Retained earnings to average equity (ytd only) | -23.3992% | 6,568 |
| Net charge-offs to loans | -0.1876% | 6,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5634% | 5,326 |
| Assets per employee ($millions) | 8.4659% | 405 |
| Cash dividends to net income (ytd only)* | 261.7347% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 3,619 |
| Loan loss allowance to noncurrent loans | 209.0625% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 5,543 |
| Noncurrent loans to loans | 0.6681% | 4,191 |
| Net loans and leases to total assets | 32.8161% | 6,236 |
| Net loans and leases to deposits | 35.9659% | 6,319 |
| Net loans and leases to core deposits | 36.0375% | 6,362 |
| Total domestic deposits to total assets | 91.2424% | 469 |
| Equity capital to assets | 7.3110% | 6,374 |
| Core capital (leverage) ratio | 7.4085% | 6,369 |
| Tier 1 risk-based capital ratio | 20.1706% | 1,677 |
| Total risk-based capital ratio | 21.4202% | 1,649 |
| Memoranda: | ||
| Average total assets | $148,290,500 | 3,730 |
| Average earning assets | $133,647,500 | 3,772 |
| Average equity | $10,838,000 | 4,659 |
| Average total loans | $49,052,000 | 4,968 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9588% | 6,380 |
| Cost of funding earning assets | 0.1717% | 6,432 |
| Net interest margin | 2.7871% | 6,002 |
| Noninterest income to average assets | 0.4443% | 4,124 |
| Noninterest expense to average assets | 1.6317% | 6,495 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3137% | 1,216 |
| Return on assets (ROA) | 1.3158% | 1,250 |
| Pretax return on assets | 1.3158% | 2,089 |
| Return on Equity (ROE) | 17.2653% | 480 |
| Retained earnings to average equity (ytd only) | 3.5373% | 3,704 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3995% | 6,007 |
| Assets per employee ($millions) | 7.6331% | 564 |
| Cash dividends to net income (ytd only)* | 79.5122% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 4,207 |
| Loan loss allowance to noncurrent loans | 307.6190% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 5,907 |
| Noncurrent loans to loans | 0.4183% | 4,953 |
| Net loans and leases to total assets | 32.4641% | 6,364 |
| Net loans and leases to deposits | 35.5004% | 6,444 |
| Net loans and leases to core deposits | 35.6963% | 6,481 |
| Total domestic deposits to total assets | 91.4471% | 419 |
| Equity capital to assets | 7.3064% | 6,364 |
| Core capital (leverage) ratio | 7.7160% | 6,296 |
| Tier 1 risk-based capital ratio | 20.8686% | 1,447 |
| Total risk-based capital ratio | 22.0768% | 1,441 |
| Memoranda: | ||
| Average total assets | $140,218,800 | 3,868 |
| Average earning assets | $125,828,400 | 3,928 |
| Average equity | $10,686,200 | 4,700 |
| Average total loans | $52,914,800 | 4,846 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0139% | 6,411 |
| Cost of funding earning assets | 0.1749% | 6,525 |
| Net interest margin | 2.8390% | 5,944 |
| Noninterest income to average assets | 0.4522% | 4,140 |
| Noninterest expense to average assets | 1.6512% | 6,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3420% | 1,237 |
| Return on assets (ROA) | 1.3449% | 1,281 |
| Pretax return on assets | 1.3449% | 2,146 |
| Return on Equity (ROE) | 17.4464% | 494 |
| Retained earnings to average equity (ytd only) | 0.7948% | 5,662 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1657% | 6,010 |
| Assets per employee ($millions) | 7.9941% | 466 |
| Cash dividends to net income (ytd only)* | 95.4451% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 4,876 |
| Loan loss allowance to noncurrent loans | 850.0000% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 6,302 |
| Noncurrent loans to loans | 0.1408% | 5,906 |
| Net loans and leases to total assets | 37.0578% | 6,220 |
| Net loans and leases to deposits | 40.7386% | 6,364 |
| Net loans and leases to core deposits | 40.9784% | 6,418 |
| Total domestic deposits to total assets | 90.9649% | 546 |
| Equity capital to assets | 7.5257% | 6,386 |
| Core capital (leverage) ratio | 8.1588% | 6,102 |
| Tier 1 risk-based capital ratio | 19.0122% | 1,988 |
| Total risk-based capital ratio | 20.1448% | 1,981 |
| Memoranda: | ||
| Average total assets | $137,108,250 | 3,975 |
| Average earning assets | $122,717,250 | 4,040 |
| Average equity | $10,569,250 | 4,779 |
| Average total loans | $53,592,000 | 4,868 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0397% | 6,407 |
| Cost of funding earning assets | 0.1812% | 6,567 |
| Net interest margin | 2.8586% | 5,877 |
| Noninterest income to average assets | 0.4479% | 4,175 |
| Noninterest expense to average assets | 1.6760% | 6,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3230% | 1,263 |
| Return on assets (ROA) | 1.3274% | 1,330 |
| Pretax return on assets | 1.3274% | 2,202 |
| Return on Equity (ROE) | 17.0758% | 548 |
| Retained earnings to average equity (ytd only) | -5.3040% | 6,474 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8853% | 5,977 |
| Assets per employee ($millions) | 6.9930% | 722 |
| Cash dividends to net income (ytd only)* | 131.0615% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 4,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 39.9527% | 6,049 |
| Net loans and leases to deposits | 44.1752% | 6,216 |
| Net loans and leases to core deposits | 44.4582% | 6,312 |
| Total domestic deposits to total assets | 90.4416% | 788 |
| Equity capital to assets | 7.8770% | 6,280 |
| Core capital (leverage) ratio | 8.0343% | 6,161 |
| Tier 1 risk-based capital ratio | 18.2857% | 2,216 |
| Total risk-based capital ratio | 19.4104% | 2,226 |
| Memoranda: | ||
| Average total assets | $134,846,330 | 4,046 |
| Average earning assets | $120,339,000 | 4,115 |
| Average equity | $10,482,670 | 4,836 |
| Average total loans | $53,466,000 | 4,898 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9837% | 6,528 |
| Cost of funding earning assets | 0.1871% | 6,639 |
| Net interest margin | 2.7966% | 6,041 |
| Noninterest income to average assets | 0.4564% | 4,080 |
| Noninterest expense to average assets | 1.6844% | 6,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2810% | 1,331 |
| Return on assets (ROA) | 1.2810% | 1,429 |
| Pretax return on assets | 1.2810% | 2,294 |
| Return on Equity (ROE) | 16.5856% | 546 |
| Retained earnings to average equity (ytd only) | -22.5336% | 6,859 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8024% | 5,988 |
| Assets per employee ($millions) | 6.6600% | 915 |
| Cash dividends to net income (ytd only)* | 235.8621% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 4,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 37.9372% | 6,152 |
| Net loans and leases to deposits | 41.8041% | 6,328 |
| Net loans and leases to core deposits | 42.0700% | 6,401 |
| Total domestic deposits to total assets | 90.7499% | 642 |
| Equity capital to assets | 7.6540% | 6,540 |
| Core capital (leverage) ratio | 7.8243% | 6,267 |
| Tier 1 risk-based capital ratio | 18.7646% | 2,106 |
| Total risk-based capital ratio | 19.9543% | 2,098 |
| Memoranda: | ||
| Average total assets | $135,836,000 | 4,067 |
| Average earning assets | $121,860,500 | 4,119 |
| Average equity | $10,491,000 | 4,887 |
| Average total loans | $53,334,000 | 4,939 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4133% | 6,472 |
| Cost of funding earning assets | 0.2600% | 6,632 |
| Net interest margin | 3.1534% | 5,682 |
| Noninterest income to average assets | 0.4803% | 4,038 |
| Noninterest expense to average assets | 1.6746% | 6,746 |
| Loan and lease loss provision to assets | 0.0450% | 5,280 |
| Net operating income to assets | 1.5780% | 788 |
| Return on assets (ROA) | 1.5780% | 867 |
| Pretax return on assets | 1.5780% | 1,442 |
| Return on Equity (ROE) | 20.3983% | 286 |
| Retained earnings to average equity (ytd only) | 1.9275% | 4,860 |
| Net charge-offs to loans | 0.0381% | 5,388 |
| Credit loss provision to net charge-offs | 272.7273% | 886 |
| Earnings coverage of net charge-offs (x) | 98.4545% | 389 |
| Efficiency ratio | 50.7839% | 6,537 |
| Assets per employee ($millions) | 6.9237% | 794 |
| Cash dividends to net income (ytd only)* | 90.5508% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 39.6063% | 6,199 |
| Net loans and leases to deposits | 43.5332% | 6,397 |
| Net loans and leases to core deposits | 43.7985% | 6,474 |
| Total domestic deposits to total assets | 90.9795% | 502 |
| Equity capital to assets | 7.7900% | 6,508 |
| Core capital (leverage) ratio | 8.4564% | 5,684 |
| Tier 1 risk-based capital ratio | 18.2661% | 2,181 |
| Total risk-based capital ratio | 19.3608% | 2,192 |
| Memoranda: | ||
| Average total assets | $133,461,800 | 4,074 |
| Average earning assets | $119,238,200 | 4,123 |
| Average equity | $10,324,400 | 4,911 |
| Average total loans | $57,794,600 | 4,804 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4833% | 6,526 |
| Cost of funding earning assets | 0.2784% | 6,704 |
| Net interest margin | 3.2049% | 5,688 |
| Noninterest income to average assets | 0.4881% | 3,999 |
| Noninterest expense to average assets | 1.6771% | 6,807 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6781% | 727 |
| Return on assets (ROA) | 1.6781% | 805 |
| Pretax return on assets | 1.6781% | 1,336 |
| Return on Equity (ROE) | 21.7324% | 251 |
| Retained earnings to average equity (ytd only) | -1.2407% | 6,303 |
| Net charge-offs to loans | 0.0502% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 75.6430% | 539 |
| Efficiency ratio | 49.9850% | 6,591 |
| Assets per employee ($millions) | 6.4321% | 983 |
| Cash dividends to net income (ytd only)* | 105.7090% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,972 |
| Loan loss allowance to noncurrent loans | 751.2821% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 6,599 |
| Noncurrent loans to loans | 0.1370% | 6,256 |
| Net loans and leases to total assets | 43.8092% | 5,984 |
| Net loans and leases to deposits | 48.5405% | 6,229 |
| Net loans and leases to core deposits | 49.1947% | 6,330 |
| Total domestic deposits to total assets | 90.2528% | 701 |
| Equity capital to assets | 8.1567% | 6,513 |
| Core capital (leverage) ratio | 8.5808% | 5,649 |
| Tier 1 risk-based capital ratio | 17.4875% | 2,544 |
| Total risk-based capital ratio | 18.4649% | 2,597 |
| Memoranda: | ||
| Average total assets | $132,209,000 | 4,128 |
| Average earning assets | $118,275,250 | 4,191 |
| Average equity | $10,208,750 | 4,975 |
| Average total loans | $58,370,750 | 4,827 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 6,575 |
| Cost of funding earning assets | 0.3057% | 6,716 |
| Net interest margin | 3.2213% | 5,672 |
| Noninterest income to average assets | 0.5053% | 3,893 |
| Noninterest expense to average assets | 1.6687% | 6,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7122% | 657 |
| Return on assets (ROA) | 1.7122% | 735 |
| Pretax return on assets | 1.7122% | 1,223 |
| Return on Equity (ROE) | 22.5826% | 226 |
| Retained earnings to average equity (ytd only) | -9.3138% | 6,816 |
| Net charge-offs to loans | 0.0748% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 51.9091% | 707 |
| Efficiency ratio | 49.3570% | 6,686 |
| Assets per employee ($millions) | 6.6076% | 904 |
| Cash dividends to net income (ytd only)* | 141.2434% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 6,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 46.3941% | 5,790 |
| Net loans and leases to deposits | 52.1026% | 6,017 |
| Net loans and leases to core deposits | 52.8318% | 6,175 |
| Total domestic deposits to total assets | 89.0437% | 1,472 |
| Equity capital to assets | 8.0561% | 6,535 |
| Core capital (leverage) ratio | 7.7574% | 6,477 |
| Tier 1 risk-based capital ratio | 16.2371% | 3,042 |
| Total risk-based capital ratio | 17.1782% | 3,169 |
| Memoranda: | ||
| Average total assets | $133,398,000 | 4,132 |
| Average earning assets | $119,080,670 | 4,199 |
| Average equity | $10,114,000 | 5,006 |
| Average total loans | $58,846,670 | 4,831 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2801% | 6,902 |
| Cost of funding earning assets | 0.3407% | 6,676 |
| Net interest margin | 2.9394% | 6,410 |
| Noninterest income to average assets | 0.5389% | 3,634 |
| Noninterest expense to average assets | 1.6195% | 6,959 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5583% | 926 |
| Return on assets (ROA) | 1.5583% | 1,035 |
| Pretax return on assets | 1.5583% | 1,713 |
| Return on Equity (ROE) | 21.1588% | 310 |
| Retained earnings to average equity (ytd only) | -36.8202% | 7,172 |
| Net charge-offs to loans | 0.1495% | 3,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 24.3182% | 1,060 |
| Efficiency ratio | 50.9624% | 6,614 |
| Assets per employee ($millions) | 7.0891% | 727 |
| Cash dividends to net income (ytd only)* | 274.0187% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 6,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 6,482 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.1198% | 6,185 |
| Net loans and leases to deposits | 46.6086% | 6,381 |
| Net loans and leases to core deposits | 48.4210% | 6,431 |
| Total domestic deposits to total assets | 90.3691% | 886 |
| Equity capital to assets | 7.1608% | 6,889 |
| Core capital (leverage) ratio | 6.8610% | 6,889 |
| Tier 1 risk-based capital ratio | 15.8842% | 3,226 |
| Total risk-based capital ratio | 16.8488% | 3,358 |
| Memoranda: | ||
| Average total assets | $137,325,000 | 4,084 |
| Average earning assets | $123,290,000 | 4,126 |
| Average equity | $10,114,000 | 5,009 |
| Average total loans | $58,854,500 | 4,861 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8064% | 6,720 |
| Cost of funding earning assets | 0.3823% | 6,935 |
| Net interest margin | 3.4241% | 5,409 |
| Noninterest income to average assets | 0.4598% | 4,143 |
| Noninterest expense to average assets | 1.7336% | 7,030 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7382% | 515 |
| Return on assets (ROA) | 1.7569% | 536 |
| Pretax return on assets | 1.7569% | 883 |
| Return on Equity (ROE) | 23.5846% | 146 |
| Retained earnings to average equity (ytd only) | 18.9970% | 64 |
| Net charge-offs to loans | 0.0034% | 6,403 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1,119.0000% | 20 |
| Efficiency ratio | 49.9329% | 6,837 |
| Assets per employee ($millions) | 7.3662% | 606 |
| Cash dividends to net income (ytd only)* | 19.4518% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 6,386 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 42.7150% | 6,321 |
| Net loans and leases to deposits | 47.5393% | 6,527 |
| Net loans and leases to core deposits | 49.3235% | 6,569 |
| Total domestic deposits to total assets | 89.8520% | 1,074 |
| Equity capital to assets | 7.5616% | 6,787 |
| Core capital (leverage) ratio | 7.7820% | 6,455 |
| Tier 1 risk-based capital ratio | 16.1950% | 2,954 |
| Total risk-based capital ratio | 17.1256% | 3,074 |
| Memoranda: | ||
| Average total assets | $128,751,400 | 4,197 |
| Average earning assets | $113,256,000 | 4,301 |
| Average equity | $9,591,000 | 5,127 |
| Average total loans | $59,279,200 | 4,892 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 6,686 |
| Cost of funding earning assets | 0.3903% | 7,037 |
| Net interest margin | 3.5441% | 5,006 |
| Noninterest income to average assets | 0.4563% | 4,248 |
| Noninterest expense to average assets | 1.7784% | 7,017 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7827% | 534 |
| Return on assets (ROA) | 1.8081% | 553 |
| Pretax return on assets | 1.8081% | 946 |
| Return on Equity (ROE) | 24.3742% | 150 |
| Retained earnings to average equity (ytd only) | 20.1786% | 74 |
| Net charge-offs to loans | 0.0045% | 6,128 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 840.9288% | 37 |
| Efficiency ratio | 49.9405% | 6,832 |
| Assets per employee ($millions) | 6.8985% | 781 |
| Cash dividends to net income (ytd only)* | 17.2131% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 6,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 6,448 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 43.9095% | 6,342 |
| Net loans and leases to deposits | 50.0831% | 6,495 |
| Net loans and leases to core deposits | 52.7419% | 6,524 |
| Total domestic deposits to total assets | 87.6732% | 2,252 |
| Equity capital to assets | 7.7766% | 6,812 |
| Core capital (leverage) ratio | 7.5846% | 6,709 |
| Tier 1 risk-based capital ratio | 16.0450% | 3,097 |
| Total risk-based capital ratio | 17.0039% | 3,211 |
| Memoranda: | ||
| Average total assets | $125,949,750 | 4,274 |
| Average earning assets | $110,340,500 | 4,414 |
| Average equity | $9,343,000 | 5,225 |
| Average total loans | $59,001,250 | 4,943 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 6,634 |
| Cost of funding earning assets | 0.3918% | 7,142 |
| Net interest margin | 3.6283% | 4,615 |
| Noninterest income to average assets | 0.4620% | 4,171 |
| Noninterest expense to average assets | 1.8142% | 7,069 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7933% | 514 |
| Return on assets (ROA) | 1.8319% | 501 |
| Pretax return on assets | 1.8319% | 824 |
| Return on Equity (ROE) | 25.1223% | 129 |
| Retained earnings to average equity (ytd only) | 18.6320% | 122 |
| Net charge-offs to loans | 0.0067% | 5,772 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 557.0000% | 58 |
| Efficiency ratio | 50.2900% | 6,919 |
| Assets per employee ($millions) | 6.6736% | 849 |
| Cash dividends to net income (ytd only)* | 25.8348% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 6,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 6,493 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 45.7420% | 6,295 |
| Net loans and leases to deposits | 52.9419% | 6,401 |
| Net loans and leases to core deposits | 55.8928% | 6,422 |
| Total domestic deposits to total assets | 86.4004% | 3,100 |
| Equity capital to assets | 7.5459% | 6,925 |
| Core capital (leverage) ratio | 7.9314% | 6,380 |
| Tier 1 risk-based capital ratio | 14.7656% | 3,636 |
| Total risk-based capital ratio | 15.7004% | 3,795 |
| Memoranda: | ||
| Average total assets | $124,242,330 | 4,340 |
| Average earning assets | $107,710,000 | 4,514 |
| Average equity | $9,059,670 | 5,305 |
| Average total loans | $59,281,330 | 4,990 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 6,561 |
| Cost of funding earning assets | 0.3939% | 7,234 |
| Net interest margin | 3.6779% | 4,212 |
| Noninterest income to average assets | 0.4847% | 4,010 |
| Noninterest expense to average assets | 1.8054% | 7,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8379% | 459 |
| Return on assets (ROA) | 1.9160% | 416 |
| Pretax return on assets | 1.9160% | 657 |
| Return on Equity (ROE) | 26.7560% | 123 |
| Retained earnings to average equity (ytd only) | 20.0784% | 163 |
| Net charge-offs to loans | 0.0134% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 282.5000% | 104 |
| Efficiency ratio | 49.5536% | 7,020 |
| Assets per employee ($millions) | 6.1316% | 1,116 |
| Cash dividends to net income (ytd only)* | 24.9576% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 6,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 6,519 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 46.9095% | 6,203 |
| Net loans and leases to deposits | 54.4233% | 6,259 |
| Net loans and leases to core deposits | 54.8295% | 6,500 |
| Total domestic deposits to total assets | 86.1937% | 3,404 |
| Equity capital to assets | 7.3545% | 6,947 |
| Core capital (leverage) ratio | 7.9311% | 6,325 |
| Tier 1 risk-based capital ratio | 14.1800% | 3,954 |
| Total risk-based capital ratio | 15.1170% | 4,138 |
| Memoranda: | ||
| Average total assets | $122,964,500 | 4,394 |
| Average earning assets | $105,602,500 | 4,600 |
| Average equity | $8,805,500 | 5,386 |
| Average total loans | $59,618,000 | 5,018 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 6,805 |
| Cost of funding earning assets | 0.4492% | 7,368 |
| Net interest margin | 3.8412% | 3,772 |
| Noninterest income to average assets | 0.5256% | 3,986 |
| Noninterest expense to average assets | 2.1033% | 6,836 |
| Loan and lease loss provision to assets | 0.0616% | 6,529 |
| Net operating income to assets | 1.8163% | 399 |
| Return on assets (ROA) | 1.8400% | 410 |
| Pretax return on assets | 1.8400% | 700 |
| Return on Equity (ROE) | 22.9257% | 146 |
| Retained earnings to average equity (ytd only) | 2.0074% | 4,463 |
| Net charge-offs to loans | 0.2679% | 4,690 |
| Credit loss provision to net charge-offs | 44.0252% | 6,335 |
| Earnings coverage of net charge-offs (x) | 13.4151% | 1,413 |
| Efficiency ratio | 52.8306% | 6,911 |
| Assets per employee ($millions) | 6.1649% | 1,103 |
| Cash dividends to net income (ytd only)* | 91.2440% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 6,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 6,595 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.0620% | 6,268 |
| Net loans and leases to deposits | 56.6617% | 6,384 |
| Net loans and leases to core deposits | 57.2310% | 6,619 |
| Total domestic deposits to total assets | 86.5877% | 3,035 |
| Equity capital to assets | 6.9685% | 7,122 |
| Core capital (leverage) ratio | 7.7299% | 6,516 |
| Tier 1 risk-based capital ratio | 12.5611% | 4,965 |
| Total risk-based capital ratio | 13.4359% | 5,279 |
| Memoranda: | ||
| Average total assets | $113,584,800 | 4,626 |
| Average earning assets | $102,182,000 | 4,664 |
| Average equity | $9,116,400 | 5,390 |
| Average total loans | $59,359,800 | 5,097 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 6,987 |
| Cost of funding earning assets | 0.4635% | 7,499 |
| Net interest margin | 3.8173% | 3,896 |
| Noninterest income to average assets | 0.5554% | 3,752 |
| Noninterest expense to average assets | 2.1519% | 6,735 |
| Loan and lease loss provision to assets | 0.0840% | 6,200 |
| Net operating income to assets | 1.8064% | 494 |
| Return on assets (ROA) | 1.8064% | 538 |
| Pretax return on assets | 1.8064% | 913 |
| Return on Equity (ROE) | 21.7134% | 213 |
| Retained earnings to average equity (ytd only) | 15.3696% | 195 |
| Net charge-offs to loans | 0.3598% | 3,864 |
| Credit loss provision to net charge-offs | 44.0252% | 5,969 |
| Earnings coverage of net charge-offs (x) | 9.9122% | 1,944 |
| Efficiency ratio | 53.2344% | 6,865 |
| Assets per employee ($millions) | 5.7197% | 1,445 |
| Cash dividends to net income (ytd only)* | 29.2164% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 6,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 6,426 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.0387% | 5,844 |
| Net loans and leases to deposits | 64.5518% | 5,844 |
| Net loans and leases to core deposits | 65.3128% | 6,180 |
| Total domestic deposits to total assets | 83.7137% | 4,267 |
| Equity capital to assets | 9.0380% | 5,524 |
| Core capital (leverage) ratio | 9.0651% | 4,577 |
| Tier 1 risk-based capital ratio | 14.3150% | 3,623 |
| Total risk-based capital ratio | 15.2206% | 3,829 |
| Memoranda: | ||
| Average total assets | $111,156,750 | 4,737 |
| Average earning assets | $101,534,500 | 4,745 |
| Average equity | $9,247,500 | 5,415 |
| Average total loans | $58,924,250 | 5,191 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 7,272 |
| Cost of funding earning assets | 0.4688% | 7,582 |
| Net interest margin | 3.6427% | 4,617 |
| Noninterest income to average assets | 0.5715% | 3,531 |
| Noninterest expense to average assets | 2.0931% | 6,924 |
| Loan and lease loss provision to assets | 0.1072% | 5,844 |
| Net operating income to assets | 1.7431% | 535 |
| Return on assets (ROA) | 1.7431% | 589 |
| Pretax return on assets | 1.7431% | 974 |
| Return on Equity (ROE) | 21.5548% | 231 |
| Retained earnings to average equity (ytd only) | 15.0839% | 239 |
| Net charge-offs to loans | 0.1667% | 4,614 |
| Credit loss provision to net charge-offs | 122.4490% | 3,301 |
| Earnings coverage of net charge-offs (x) | 21.1429% | 1,181 |
| Efficiency ratio | 53.0797% | 6,969 |
| Assets per employee ($millions) | 5.1776% | 1,951 |
| Cash dividends to net income (ytd only)* | 30.0205% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 5,498 |
| Loan loss allowance to noncurrent loans | 645.4545% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 6,154 |
| Noncurrent loans to loans | 0.1846% | 6,886 |
| Net loans and leases to total assets | 54.1424% | 5,973 |
| Net loans and leases to deposits | 64.3933% | 5,989 |
| Net loans and leases to core deposits | 65.1472% | 6,303 |
| Total domestic deposits to total assets | 84.0808% | 4,077 |
| Equity capital to assets | 8.6526% | 5,941 |
| Core capital (leverage) ratio | 8.9507% | 4,682 |
| Tier 1 risk-based capital ratio | 13.7155% | 3,926 |
| Total risk-based capital ratio | 14.7675% | 4,019 |
| Memoranda: | ||
| Average total assets | $111,984,330 | 4,749 |
| Average earning assets | $103,658,330 | 4,704 |
| Average equity | $9,056,000 | 5,488 |
| Average total loans | $58,787,000 | 5,237 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 7,433 |
| Cost of funding earning assets | 0.4685% | 7,713 |
| Net interest margin | 3.5628% | 4,889 |
| Noninterest income to average assets | 0.5352% | 3,774 |
| Noninterest expense to average assets | 2.0350% | 7,094 |
| Loan and lease loss provision to assets | 0.1056% | 5,567 |
| Net operating income to assets | 1.7146% | 594 |
| Return on assets (ROA) | 1.7146% | 647 |
| Pretax return on assets | 1.7146% | 1,033 |
| Return on Equity (ROE) | 21.9369% | 275 |
| Retained earnings to average equity (ytd only) | 15.3153% | 385 |
| Net charge-offs to loans | 0.3357% | 3,068 |
| Credit loss provision to net charge-offs | 61.2245% | 4,276 |
| Earnings coverage of net charge-offs (x) | 10.5510% | 1,732 |
| Efficiency ratio | 52.7854% | 7,078 |
| Assets per employee ($millions) | 4.8533% | 2,432 |
| Cash dividends to net income (ytd only)* | 30.1848% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 5,615 |
| Loan loss allowance to noncurrent loans | 618.1818% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 6,215 |
| Noncurrent loans to loans | 0.1906% | 6,959 |
| Net loans and leases to total assets | 51.0934% | 6,366 |
| Net loans and leases to deposits | 58.3695% | 6,601 |
| Net loans and leases to core deposits | 58.9310% | 6,822 |
| Total domestic deposits to total assets | 87.5344% | 2,342 |
| Equity capital to assets | 8.0814% | 6,566 |
| Core capital (leverage) ratio | 8.4582% | 5,449 |
| Tier 1 risk-based capital ratio | 12.9862% | 4,344 |
| Total risk-based capital ratio | 13.9766% | 4,505 |
| Memoranda: | ||
| Average total assets | $113,611,500 | 4,777 |
| Average earning assets | $105,872,500 | 4,707 |
| Average equity | $8,880,000 | 5,573 |
| Average total loans | $58,391,000 | 5,320 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 7,500 |
| Cost of funding earning assets | 0.4816% | 7,846 |
| Net interest margin | 3.8969% | 3,284 |
| Noninterest income to average assets | 0.5441% | 4,080 |
| Noninterest expense to average assets | 2.0724% | 7,242 |
| Loan and lease loss provision to assets | 0.1056% | 6,581 |
| Net operating income to assets | 1.9562% | 251 |
| Return on assets (ROA) | 1.9562% | 263 |
| Pretax return on assets | 1.9562% | 444 |
| Return on Equity (ROE) | 24.5650% | 98 |
| Retained earnings to average equity (ytd only) | 3.4824% | 2,731 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1278% | 7,533 |
| Assets per employee ($millions) | 5.2544% | 1,885 |
| Cash dividends to net income (ytd only)* | 85.8236% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 5,452 |
| Loan loss allowance to noncurrent loans | 61.4776% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 5,145 |
| Noncurrent loans to loans | 1.9249% | 3,762 |
| Net loans and leases to total assets | 50.4940% | 6,580 |
| Net loans and leases to deposits | 57.2874% | 6,829 |
| Net loans and leases to core deposits | 61.9083% | 7,194 |
| Total domestic deposits to total assets | 88.1415% | 1,903 |
| Equity capital to assets | 7.5600% | 6,973 |
| Core capital (leverage) ratio | 7.9845% | 6,220 |
| Tier 1 risk-based capital ratio | 12.5947% | 4,448 |
| Total risk-based capital ratio | 13.6214% | 4,585 |
| Memoranda: | ||
| Average total assets | $113,588,000 | 4,739 |
| Average earning assets | $104,647,200 | 4,713 |
| Average equity | $9,045,400 | 5,592 |
| Average total loans | $55,939,600 | 5,421 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 7,619 |
| Cost of funding earning assets | 0.4807% | 7,954 |
| Net interest margin | 3.9101% | 3,203 |
| Noninterest income to average assets | 0.3714% | 5,540 |
| Noninterest expense to average assets | 2.0432% | 7,304 |
| Loan and lease loss provision to assets | 0.1061% | 6,314 |
| Net operating income to assets | 1.8180% | 426 |
| Return on assets (ROA) | 1.8180% | 454 |
| Pretax return on assets | 1.8180% | 774 |
| Return on Equity (ROE) | 22.5384% | 184 |
| Retained earnings to average equity (ytd only) | 17.8027% | 89 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5007% | 7,447 |
| Assets per employee ($millions) | 4.8762% | 2,298 |
| Cash dividends to net income (ytd only)* | 21.0117% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 5,032 |
| Loan loss allowance to noncurrent loans | 101.6717% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 5,916 |
| Noncurrent loans to loans | 1.1945% | 4,950 |
| Net loans and leases to total assets | 50.7280% | 6,719 |
| Net loans and leases to deposits | 60.4635% | 6,790 |
| Net loans and leases to core deposits | 65.3595% | 7,189 |
| Total domestic deposits to total assets | 83.8985% | 3,767 |
| Equity capital to assets | 9.0440% | 5,423 |
| Core capital (leverage) ratio | 8.9682% | 4,694 |
| Tier 1 risk-based capital ratio | 13.8642% | 3,621 |
| Total risk-based capital ratio | 14.8428% | 3,720 |
| Memoranda: | ||
| Average total assets | $113,086,000 | 4,780 |
| Average earning assets | $104,003,000 | 4,768 |
| Average equity | $9,122,000 | 5,626 |
| Average total loans | $55,157,500 | 5,503 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 7,760 |
| Cost of funding earning assets | 0.4682% | 8,050 |
| Net interest margin | 3.8705% | 3,246 |
| Noninterest income to average assets | 0.4747% | 4,675 |
| Noninterest expense to average assets | 2.0674% | 7,339 |
| Loan and lease loss provision to assets | 0.1043% | 6,124 |
| Net operating income to assets | 1.8675% | 401 |
| Return on assets (ROA) | 1.8675% | 434 |
| Pretax return on assets | 1.8675% | 746 |
| Return on Equity (ROE) | 24.0573% | 156 |
| Retained earnings to average equity (ytd only) | 17.4718% | 121 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1838% | 7,578 |
| Assets per employee ($millions) | 4.8897% | 2,213 |
| Cash dividends to net income (ytd only)* | 27.3743% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 5,512 |
| Loan loss allowance to noncurrent loans | 48.2993% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 4,482 |
| Noncurrent loans to loans | 2.3025% | 3,132 |
| Net loans and leases to total assets | 52.8204% | 6,586 |
| Net loans and leases to deposits | 62.7766% | 6,681 |
| Net loans and leases to core deposits | 67.0977% | 7,166 |
| Total domestic deposits to total assets | 84.1402% | 3,685 |
| Equity capital to assets | 8.6285% | 5,854 |
| Core capital (leverage) ratio | 8.6742% | 5,137 |
| Tier 1 risk-based capital ratio | 13.0263% | 4,130 |
| Total risk-based capital ratio | 13.9471% | 4,277 |
| Memoranda: | ||
| Average total assets | $115,022,670 | 4,751 |
| Average earning assets | $105,930,000 | 4,726 |
| Average equity | $8,928,670 | 5,705 |
| Average total loans | $55,180,670 | 5,551 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 7,681 |
| Cost of funding earning assets | 0.4634% | 8,112 |
| Net interest margin | 4.0724% | 2,395 |
| Noninterest income to average assets | 0.4817% | 4,490 |
| Noninterest expense to average assets | 2.0817% | 7,159 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1592% | 250 |
| Return on assets (ROA) | 2.1592% | 292 |
| Pretax return on assets | 2.1592% | 484 |
| Return on Equity (ROE) | 29.2962% | 109 |
| Retained earnings to average equity (ytd only) | 22.5320% | 122 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0866% | 7,660 |
| Assets per employee ($millions) | 5.6590% | 1,431 |
| Cash dividends to net income (ytd only)* | 23.0889% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,199 |
| Loan loss allowance to noncurrent loans | 79.0909% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 5,460 |
| Noncurrent loans to loans | 1.4396% | 4,142 |
| Net loans and leases to total assets | 46.7203% | 7,132 |
| Net loans and leases to deposits | 53.9505% | 7,289 |
| Net loans and leases to core deposits | 56.7872% | 7,576 |
| Total domestic deposits to total assets | 86.5983% | 2,405 |
| Equity capital to assets | 7.9184% | 6,932 |
| Core capital (leverage) ratio | 7.9010% | 6,616 |
| Tier 1 risk-based capital ratio | 13.1829% | 4,061 |
| Total risk-based capital ratio | 14.0999% | 4,209 |
| Memoranda: | ||
| Average total assets | $118,747,000 | 4,687 |
| Average earning assets | $109,615,000 | 4,654 |
| Average equity | $8,752,000 | 5,793 |
| Average total loans | $54,041,000 | 5,630 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 7,908 |
| Cost of funding earning assets | 0.9409% | 8,080 |
| Net interest margin | 3.9445% | 3,390 |
| Noninterest income to average assets | 0.4363% | 5,158 |
| Noninterest expense to average assets | 1.9282% | 7,566 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.0799% | 302 |
| Return on assets (ROA) | 2.0799% | 284 |
| Pretax return on assets | 2.0799% | 509 |
| Return on Equity (ROE) | 27.7983% | 84 |
| Retained earnings to average equity (ytd only) | 2.3857% | 3,714 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1067% | 7,793 |
| Assets per employee ($millions) | 5.4050% | 1,531 |
| Cash dividends to net income (ytd only)* | 91.4179% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 5,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 43.4513% | 7,502 |
| Net loans and leases to deposits | 51.1196% | 7,577 |
| Net loans and leases to core deposits | 53.8319% | 7,807 |
| Total domestic deposits to total assets | 84.9993% | 2,846 |
| Equity capital to assets | 6.8713% | 7,795 |
| Core capital (leverage) ratio | 6.5780% | 7,905 |
| Tier 1 risk-based capital ratio | 11.5991% | 5,158 |
| Total risk-based capital ratio | 12.4121% | 5,467 |
| Memoranda: | ||
| Average total assets | $115,965,600 | 4,611 |
| Average earning assets | $105,008,200 | 4,644 |
| Average equity | $8,676,800 | 5,852 |
| Average total loans | $50,226,000 | 5,695 |