Home > West Union Bank > Performance and Condition Ratios
West Union Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 3,404 |
| Cost of funding earning assets | 1.5733% | 3,026 |
| Net interest margin | 3.2545% | 2,876 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 2.3619% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9282% | 2,484 |
| Return on assets (ROA) | 0.9282% | 2,486 |
| Pretax return on assets | 1.0504% | 2,624 |
| Return on Equity (ROE) | 18.8000% | 561 |
| Retained earnings to average equity (ytd only) | 18.7964% | 207 |
| Net charge-offs to loans | 0.0597% | 1,083 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 1,123 |
| Efficiency ratio | 69.2181% | 1,909 |
| Assets per employee ($millions) | 6.7802% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 1,787 |
| Loan loss allowance to noncurrent loans | 1,029.5181% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,294 |
| Noncurrent loans to loans | 0.1244% | 3,050 |
| Net loans and leases to total assets | 44.1400% | 3,834 |
| Net loans and leases to deposits | 47.8982% | 3,945 |
| Net loans and leases to core deposits | 53.1862% | 3,904 |
| Total domestic deposits to total assets | 92.1600% | 251 |
| Equity capital to assets | 4.9640% | 4,373 |
| Core capital (leverage) ratio | 8.1985% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1278% | 1,482 |
| Memoranda: | ||
| Average total assets | $284,851,000 | 2,553 |
| Average earning assets | $266,705,000 | 2,540 |
| Average equity | $14,066,500 | 3,458 |
| Average total loans | $133,975,500 | 2,900 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 3,445 |
| Cost of funding earning assets | 1.4298% | 3,482 |
| Net interest margin | 3.3594% | 2,373 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 2.5017% | 2,301 |
| Loan and lease loss provision to assets | 0.1800% | 759 |
| Net operating income to assets | 0.8382% | 2,584 |
| Return on assets (ROA) | 0.5625% | 3,342 |
| Pretax return on assets | 0.5817% | 3,502 |
| Return on Equity (ROE) | 10.8800% | 1,917 |
| Retained earnings to average equity (ytd only) | 5.4788% | 2,025 |
| Net charge-offs to loans | 0.1970% | 708 |
| Credit loss provision to net charge-offs | 197.5709% | 1,144 |
| Earnings coverage of net charge-offs (x) | 11.2874% | 2,217 |
| Efficiency ratio | 70.4442% | 1,929 |
| Assets per employee ($millions) | 5.8995% | 2,954 |
| Cash dividends to net income (ytd only)* | 49.6653% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 1,741 |
| Loan loss allowance to noncurrent loans | 1,516.6667% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,371 |
| Noncurrent loans to loans | 0.0847% | 3,218 |
| Net loans and leases to total assets | 48.9500% | 3,681 |
| Net loans and leases to deposits | 53.9571% | 3,801 |
| Net loans and leases to core deposits | 58.8557% | 3,788 |
| Total domestic deposits to total assets | 90.7100% | 602 |
| Equity capital to assets | 4.9098% | 4,364 |
| Core capital (leverage) ratio | 8.1546% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8228% | 1,563 |
| Memoranda: | ||
| Average total assets | $265,614,400 | 2,623 |
| Average earning assets | $248,644,800 | 2,598 |
| Average equity | $13,725,600 | 3,451 |
| Average total loans | $125,406,400 | 2,949 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6993% | 3,554 |
| Cost of funding earning assets | 1.3700% | 3,563 |
| Net interest margin | 3.3294% | 2,390 |
| Noninterest income to average assets | 0.4100% | 2,365 |
| Noninterest expense to average assets | 2.5109% | 2,217 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 0.7806% | 2,758 |
| Return on assets (ROA) | 0.5633% | 3,334 |
| Pretax return on assets | 0.5834% | 3,501 |
| Return on Equity (ROE) | 10.7600% | 1,975 |
| Retained earnings to average equity (ytd only) | 10.7621% | 694 |
| Net charge-offs to loans | 0.1863% | 623 |
| Credit loss provision to net charge-offs | 237.2093% | 976 |
| Earnings coverage of net charge-offs (x) | 11.6744% | 2,061 |
| Efficiency ratio | 71.2445% | 1,872 |
| Assets per employee ($millions) | 6.0213% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 1,613 |
| Loan loss allowance to noncurrent loans | 1,368.2540% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 3,407 |
| Noncurrent loans to loans | 0.0967% | 3,202 |
| Net loans and leases to total assets | 47.4500% | 3,755 |
| Net loans and leases to deposits | 53.9805% | 3,816 |
| Net loans and leases to core deposits | 58.1406% | 3,840 |
| Total domestic deposits to total assets | 87.9000% | 1,270 |
| Equity capital to assets | 6.1087% | 4,320 |
| Core capital (leverage) ratio | 8.5127% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4376% | 1,425 |
| Memoranda: | ||
| Average total assets | $264,174,250 | 2,622 |
| Average earning assets | $247,489,250 | 2,603 |
| Average equity | $13,826,000 | 3,437 |
| Average total loans | $123,119,500 | 2,963 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 3,539 |
| Cost of funding earning assets | 1.2892% | 3,648 |
| Net interest margin | 3.3705% | 2,243 |
| Noninterest income to average assets | 0.4100% | 2,325 |
| Noninterest expense to average assets | 2.5184% | 2,190 |
| Loan and lease loss provision to assets | 0.2700% | 385 |
| Net operating income to assets | 0.7509% | 2,786 |
| Return on assets (ROA) | 0.5735% | 3,278 |
| Pretax return on assets | 0.5949% | 3,457 |
| Return on Equity (ROE) | 11.6300% | 1,717 |
| Retained earnings to average equity (ytd only) | 11.6278% | 588 |
| Net charge-offs to loans | 0.1640% | 634 |
| Credit loss provision to net charge-offs | 356.5657% | 759 |
| Earnings coverage of net charge-offs (x) | 13.8788% | 1,831 |
| Efficiency ratio | 70.5908% | 2,037 |
| Assets per employee ($millions) | 5.7878% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 1,500 |
| Loan loss allowance to noncurrent loans | 2,524.6377% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,545 |
| Noncurrent loans to loans | 0.0540% | 3,394 |
| Net loans and leases to total assets | 48.4300% | 3,731 |
| Net loans and leases to deposits | 54.4121% | 3,800 |
| Net loans and leases to core deposits | 58.1188% | 3,832 |
| Total domestic deposits to total assets | 89.0100% | 1,000 |
| Equity capital to assets | 5.0731% | 4,362 |
| Core capital (leverage) ratio | 8.5049% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2631% | 1,450 |
| Memoranda: | ||
| Average total assets | $261,912,333 | 2,632 |
| Average earning assets | $245,424,333 | 2,615 |
| Average equity | $12,917,333 | 3,514 |
| Average total loans | $120,729,000 | 2,983 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6081% | 3,510 |
| Cost of funding earning assets | 1.1972% | 3,734 |
| Net interest margin | 3.4110% | 2,079 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 2.4931% | 2,266 |
| Loan and lease loss provision to assets | 0.3700% | 239 |
| Net operating income to assets | 0.6800% | 2,904 |
| Return on assets (ROA) | 0.3335% | 3,772 |
| Pretax return on assets | 0.3533% | 3,840 |
| Return on Equity (ROE) | 6.8600% | 2,990 |
| Retained earnings to average equity (ytd only) | 6.8601% | 1,868 |
| Net charge-offs to loans | 0.4063% | 223 |
| Credit loss provision to net charge-offs | 203.3613% | 808 |
| Earnings coverage of net charge-offs (x) | 6.0168% | 1,834 |
| Efficiency ratio | 69.5708% | 2,198 |
| Assets per employee ($millions) | 5.6403% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 1,585 |
| Loan loss allowance to noncurrent loans | 1,660.8247% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,442 |
| Noncurrent loans to loans | 0.0811% | 3,214 |
| Net loans and leases to total assets | 44.5300% | 3,872 |
| Net loans and leases to deposits | 49.9484% | 3,922 |
| Net loans and leases to core deposits | 52.4998% | 4,019 |
| Total domestic deposits to total assets | 89.1600% | 1,061 |
| Equity capital to assets | 4.6814% | 4,414 |
| Core capital (leverage) ratio | 8.3644% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5094% | 1,398 |
| Memoranda: | ||
| Average total assets | $262,642,000 | 2,633 |
| Average earning assets | $245,913,500 | 2,618 |
| Average equity | $12,769,500 | 3,529 |
| Average total loans | $117,148,500 | 3,020 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 3,743 |
| Cost of funding earning assets | 0.8377% | 3,638 |
| Net interest margin | 3.3009% | 2,631 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.3577% | 2,702 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.0354% | 2,107 |
| Return on assets (ROA) | 0.5668% | 3,511 |
| Pretax return on assets | 0.5297% | 3,764 |
| Return on Equity (ROE) | 13.4000% | 1,629 |
| Retained earnings to average equity (ytd only) | 6.7546% | 1,970 |
| Net charge-offs to loans | 0.1772% | 605 |
| Credit loss provision to net charge-offs | 170.3125% | 1,352 |
| Earnings coverage of net charge-offs (x) | 15.4271% | 2,046 |
| Efficiency ratio | 67.7518% | 2,138 |
| Assets per employee ($millions) | 5.5360% | 3,216 |
| Cash dividends to net income (ytd only)* | 49.5989% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 1,774 |
| Loan loss allowance to noncurrent loans | 1,430.7692% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,349 |
| Noncurrent loans to loans | 0.0907% | 3,090 |
| Net loans and leases to total assets | 43.4900% | 3,917 |
| Net loans and leases to deposits | 49.2010% | 3,967 |
| Net loans and leases to core deposits | 51.3315% | 4,053 |
| Total domestic deposits to total assets | 88.3800% | 1,236 |
| Equity capital to assets | 5.0459% | 4,403 |
| Core capital (leverage) ratio | 8.2350% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7472% | 1,331 |
| Memoranda: | ||
| Average total assets | $263,945,800 | 2,602 |
| Average earning assets | $246,628,200 | 2,595 |
| Average equity | $11,162,800 | 3,602 |
| Average total loans | $108,377,800 | 3,085 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,754 |
| Cost of funding earning assets | 0.7621% | 3,630 |
| Net interest margin | 3.2898% | 2,708 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.3149% | 2,743 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.9626% | 2,470 |
| Return on assets (ROA) | 0.8245% | 2,935 |
| Pretax return on assets | 0.8904% | 3,123 |
| Return on Equity (ROE) | 20.4700% | 681 |
| Retained earnings to average equity (ytd only) | 20.4657% | 244 |
| Net charge-offs to loans | 0.1024% | 772 |
| Credit loss provision to net charge-offs | 250.0000% | 984 |
| Earnings coverage of net charge-offs (x) | 27.6707% | 1,636 |
| Efficiency ratio | 66.9627% | 2,152 |
| Assets per employee ($millions) | 5.1936% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 1,652 |
| Loan loss allowance to noncurrent loans | 3,014.2857% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,631 |
| Noncurrent loans to loans | 0.0448% | 3,439 |
| Net loans and leases to total assets | 43.3100% | 3,940 |
| Net loans and leases to deposits | 46.3895% | 4,042 |
| Net loans and leases to core deposits | 47.4852% | 4,098 |
| Total domestic deposits to total assets | 93.3700% | 255 |
| Equity capital to assets | 3.7013% | 4,432 |
| Core capital (leverage) ratio | 8.6569% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6393% | 1,169 |
| Memoranda: | ||
| Average total assets | $264,884,500 | 2,603 |
| Average earning assets | $247,383,500 | 2,592 |
| Average equity | $10,671,250 | 3,656 |
| Average total loans | $106,813,750 | 3,106 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 3,697 |
| Cost of funding earning assets | 0.6922% | 3,507 |
| Net interest margin | 3.3045% | 2,739 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.2016% | 3,075 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.0034% | 2,405 |
| Return on assets (ROA) | 0.8316% | 2,994 |
| Pretax return on assets | 0.9175% | 3,129 |
| Return on Equity (ROE) | 20.1400% | 690 |
| Retained earnings to average equity (ytd only) | 20.1387% | 246 |
| Net charge-offs to loans | 0.1208% | 600 |
| Credit loss provision to net charge-offs | 320.3125% | 832 |
| Earnings coverage of net charge-offs (x) | 26.5469% | 1,609 |
| Efficiency ratio | 63.6344% | 2,527 |
| Assets per employee ($millions) | 5.3826% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 1,672 |
| Loan loss allowance to noncurrent loans | 1,867.5000% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,483 |
| Noncurrent loans to loans | 0.0728% | 3,173 |
| Net loans and leases to total assets | 41.1000% | 3,999 |
| Net loans and leases to deposits | 46.0225% | 4,047 |
| Net loans and leases to core deposits | 46.3678% | 4,119 |
| Total domestic deposits to total assets | 89.3000% | 1,140 |
| Equity capital to assets | 4.3041% | 4,473 |
| Core capital (leverage) ratio | 8.1315% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9622% | 1,325 |
| Memoranda: | ||
| Average total assets | $270,081,333 | 2,588 |
| Average earning assets | $252,804,333 | 2,566 |
| Average equity | $11,152,667 | 3,619 |
| Average total loans | $105,933,000 | 3,110 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9229% | 3,626 |
| Cost of funding earning assets | 0.5626% | 3,492 |
| Net interest margin | 3.3603% | 2,730 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.2309% | 3,008 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.9866% | 2,573 |
| Return on assets (ROA) | 0.9866% | 2,540 |
| Pretax return on assets | 1.1067% | 2,683 |
| Return on Equity (ROE) | 24.3900% | 435 |
| Retained earnings to average equity (ytd only) | 24.3916% | 198 |
| Net charge-offs to loans | 0.1000% | 596 |
| Credit loss provision to net charge-offs | 461.5385% | 577 |
| Earnings coverage of net charge-offs (x) | 33.6923% | 1,262 |
| Efficiency ratio | 63.5000% | 2,523 |
| Assets per employee ($millions) | 5.5073% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 1,745 |
| Loan loss allowance to noncurrent loans | 1,743.3735% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,423 |
| Noncurrent loans to loans | 0.0785% | 3,178 |
| Net loans and leases to total assets | 38.6500% | 4,095 |
| Net loans and leases to deposits | 42.4875% | 4,144 |
| Net loans and leases to core deposits | 42.7050% | 4,210 |
| Total domestic deposits to total assets | 90.9800% | 809 |
| Equity capital to assets | 4.2111% | 4,526 |
| Core capital (leverage) ratio | 7.8412% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8949% | 1,394 |
| Memoranda: | ||
| Average total assets | $273,248,500 | 2,596 |
| Average earning assets | $256,646,500 | 2,576 |
| Average equity | $11,053,000 | 3,670 |
| Average total loans | $103,952,500 | 3,163 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 3,386 |
| Cost of funding earning assets | 0.3038% | 2,843 |
| Net interest margin | 3.0797% | 3,228 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.2913% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9659% | 2,699 |
| Return on assets (ROA) | 0.8988% | 2,903 |
| Pretax return on assets | 0.9162% | 3,308 |
| Return on Equity (ROE) | 16.0800% | 1,040 |
| Retained earnings to average equity (ytd only) | 10.8208% | 928 |
| Net charge-offs to loans | 0.2647% | 300 |
| Credit loss provision to net charge-offs | 4.0486% | 1,971 |
| Earnings coverage of net charge-offs (x) | 10.1093% | 2,201 |
| Efficiency ratio | 69.8576% | 1,705 |
| Assets per employee ($millions) | 5.8859% | 2,863 |
| Cash dividends to net income (ytd only)* | 32.6872% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,786 |
| Loan loss allowance to noncurrent loans | 1,757.1429% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,475 |
| Noncurrent loans to loans | 0.0754% | 3,222 |
| Net loans and leases to total assets | 36.4300% | 4,197 |
| Net loans and leases to deposits | 39.0507% | 4,269 |
| Net loans and leases to core deposits | 39.3434% | 4,295 |
| Total domestic deposits to total assets | 93.3000% | 345 |
| Equity capital to assets | 3.8830% | 4,533 |
| Core capital (leverage) ratio | 7.5378% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8246% | 1,408 |
| Memoranda: | ||
| Average total assets | $252,564,600 | 2,709 |
| Average earning assets | $237,034,200 | 2,693 |
| Average equity | $14,121,000 | 3,454 |
| Average total loans | $93,306,200 | 3,245 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2422% | 3,327 |
| Cost of funding earning assets | 0.2570% | 2,638 |
| Net interest margin | 2.9851% | 3,255 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.3351% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7890% | 3,305 |
| Return on assets (ROA) | 0.7955% | 3,234 |
| Pretax return on assets | 0.8577% | 3,455 |
| Return on Equity (ROE) | 13.1100% | 1,666 |
| Retained earnings to average equity (ytd only) | 13.1052% | 591 |
| Net charge-offs to loans | 0.2444% | 276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 9.4192% | 2,022 |
| Efficiency ratio | 73.2983% | 1,350 |
| Assets per employee ($millions) | 5.1637% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,229 |
| Loan loss allowance to noncurrent loans | 1,636.7816% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 3,514 |
| Noncurrent loans to loans | 0.0933% | 3,211 |
| Net loans and leases to total assets | 35.5500% | 4,247 |
| Net loans and leases to deposits | 37.7209% | 4,318 |
| Net loans and leases to core deposits | 38.0919% | 4,341 |
| Total domestic deposits to total assets | 94.2400% | 326 |
| Equity capital to assets | 3.3763% | 4,558 |
| Core capital (leverage) ratio | 8.2872% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0153% | 1,170 |
| Memoranda: | ||
| Average total assets | $246,546,000 | 2,767 |
| Average earning assets | $231,362,250 | 2,748 |
| Average equity | $14,965,750 | 3,409 |
| Average total loans | $91,096,250 | 3,282 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1549% | 3,177 |
| Cost of funding earning assets | 0.2163% | 2,689 |
| Net interest margin | 2.9385% | 3,062 |
| Noninterest income to average assets | 0.3783% | 2,885 |
| Noninterest expense to average assets | 2.2508% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8201% | 2,889 |
| Return on assets (ROA) | 0.8299% | 2,827 |
| Pretax return on assets | 0.9033% | 3,053 |
| Return on Equity (ROE) | 11.8132% | 1,717 |
| Retained earnings to average equity (ytd only) | 11.8132% | 634 |
| Net charge-offs to loans | 0.3252% | 212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.3673% | 1,856 |
| Efficiency ratio | 71.6046% | 1,764 |
| Assets per employee ($millions) | 4.9693% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 1,163 |
| Loan loss allowance to noncurrent loans | 4,509.3750% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,815 |
| Noncurrent loans to loans | 0.0354% | 3,685 |
| Net loans and leases to total assets | 36.5651% | 4,224 |
| Net loans and leases to deposits | 39.5919% | 4,280 |
| Net loans and leases to core deposits | 40.0134% | 4,316 |
| Total domestic deposits to total assets | 92.3551% | 704 |
| Equity capital to assets | 4.3643% | 4,579 |
| Core capital (leverage) ratio | 8.5003% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0866% | 1,166 |
| Memoranda: | ||
| Average total assets | $242,667,000 | 2,812 |
| Average earning assets | $228,346,333 | 2,805 |
| Average equity | $17,048,667 | 3,320 |
| Average total loans | $90,393,000 | 3,319 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0468% | 3,113 |
| Cost of funding earning assets | 0.1903% | 2,946 |
| Net interest margin | 2.8565% | 2,967 |
| Noninterest income to average assets | 0.3600% | 2,935 |
| Noninterest expense to average assets | 2.2291% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7744% | 2,748 |
| Return on assets (ROA) | 0.7744% | 2,740 |
| Pretax return on assets | 0.8322% | 3,006 |
| Return on Equity (ROE) | 9.2599% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.2599% | 1,195 |
| Net charge-offs to loans | 0.2391% | 261 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,492 |
| Efficiency ratio | 72.8155% | 1,875 |
| Assets per employee ($millions) | 5.3239% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 1,015 |
| Loan loss allowance to noncurrent loans | 1,652.6882% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,594 |
| Noncurrent loans to loans | 0.1044% | 3,317 |
| Net loans and leases to total assets | 35.7610% | 4,227 |
| Net loans and leases to deposits | 40.1348% | 4,241 |
| Net loans and leases to core deposits | 40.7382% | 4,289 |
| Total domestic deposits to total assets | 89.1021% | 2,031 |
| Equity capital to assets | 7.2474% | 4,075 |
| Core capital (leverage) ratio | 8.7125% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5037% | 1,144 |
| Memoranda: | ||
| Average total assets | $242,252,000 | 2,829 |
| Average earning assets | $229,091,500 | 2,816 |
| Average equity | $20,259,500 | 3,123 |
| Average total loans | $90,350,500 | 3,328 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3078% | 3,185 |
| Cost of funding earning assets | 0.1998% | 3,461 |
| Net interest margin | 3.1081% | 2,881 |
| Noninterest income to average assets | 0.4257% | 2,920 |
| Noninterest expense to average assets | 2.2678% | 2,888 |
| Loan and lease loss provision to assets | 0.0634% | 1,805 |
| Net operating income to assets | 0.9711% | 2,791 |
| Return on assets (ROA) | 0.9711% | 2,852 |
| Pretax return on assets | 1.0388% | 3,156 |
| Return on Equity (ROE) | 9.7675% | 2,609 |
| Retained earnings to average equity (ytd only) | 6.5058% | 2,124 |
| Net charge-offs to loans | 0.0259% | 1,728 |
| Credit loss provision to net charge-offs | 604.1667% | 722 |
| Earnings coverage of net charge-offs (x) | 105.0833% | 858 |
| Efficiency ratio | 67.2935% | 2,084 |
| Assets per employee ($millions) | 5.3245% | 3,451 |
| Cash dividends to net income (ytd only)* | 33.3933% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 4,106 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 37.5596% | 4,217 |
| Net loans and leases to deposits | 43.4964% | 4,203 |
| Net loans and leases to core deposits | 44.1864% | 4,261 |
| Total domestic deposits to total assets | 86.3512% | 2,779 |
| Equity capital to assets | 9.5032% | 3,145 |
| Core capital (leverage) ratio | 8.7062% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4402% | 1,172 |
| Memoranda: | ||
| Average total assets | $228,816,200 | 2,854 |
| Average earning assets | $216,757,600 | 2,831 |
| Average equity | $22,748,800 | 3,003 |
| Average total loans | $92,669,000 | 3,295 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3480% | 3,257 |
| Cost of funding earning assets | 0.2013% | 3,592 |
| Net interest margin | 3.1467% | 2,914 |
| Noninterest income to average assets | 0.4133% | 3,013 |
| Noninterest expense to average assets | 2.2383% | 2,933 |
| Loan and lease loss provision to assets | 0.0854% | 1,399 |
| Net operating income to assets | 0.9505% | 3,077 |
| Return on assets (ROA) | 0.9505% | 3,161 |
| Pretax return on assets | 1.0667% | 3,280 |
| Return on Equity (ROE) | 9.4501% | 2,949 |
| Retained earnings to average equity (ytd only) | 9.4501% | 1,514 |
| Net charge-offs to loans | -0.0445% | 4,292 |
| Credit loss provision to net charge-offs | -467.7419% | 3,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0174% | 2,097 |
| Assets per employee ($millions) | 5.0321% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 929 |
| Loan loss allowance to noncurrent loans | 377.2936% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 2,856 |
| Noncurrent loans to loans | 0.4771% | 2,128 |
| Net loans and leases to total assets | 38.7718% | 4,264 |
| Net loans and leases to deposits | 45.2678% | 4,265 |
| Net loans and leases to core deposits | 46.0210% | 4,323 |
| Total domestic deposits to total assets | 85.6499% | 2,893 |
| Equity capital to assets | 10.2115% | 2,696 |
| Core capital (leverage) ratio | 9.1148% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6220% | 1,214 |
| Memoranda: | ||
| Average total assets | $226,119,500 | 2,898 |
| Average earning assets | $213,932,500 | 2,876 |
| Average equity | $22,743,500 | 3,037 |
| Average total loans | $92,940,000 | 3,335 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3759% | 3,243 |
| Cost of funding earning assets | 0.2023% | 3,728 |
| Net interest margin | 3.1735% | 2,840 |
| Noninterest income to average assets | 0.4074% | 3,069 |
| Noninterest expense to average assets | 2.2137% | 3,040 |
| Loan and lease loss provision to assets | 0.0713% | 1,633 |
| Net operating income to assets | 0.9976% | 2,889 |
| Return on assets (ROA) | 0.9976% | 2,971 |
| Pretax return on assets | 1.1287% | 3,117 |
| Return on Equity (ROE) | 9.9707% | 2,749 |
| Retained earnings to average equity (ytd only) | 9.9707% | 1,402 |
| Net charge-offs to loans | -0.0471% | 4,346 |
| Credit loss provision to net charge-offs | -363.6364% | 3,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8472% | 2,319 |
| Assets per employee ($millions) | 4.9382% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 985 |
| Loan loss allowance to noncurrent loans | 393.0000% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 3,085 |
| Noncurrent loans to loans | 0.4430% | 2,341 |
| Net loans and leases to total assets | 39.0563% | 4,328 |
| Net loans and leases to deposits | 46.2076% | 4,302 |
| Net loans and leases to core deposits | 47.0012% | 4,368 |
| Total domestic deposits to total assets | 84.5236% | 3,276 |
| Equity capital to assets | 10.1229% | 2,746 |
| Core capital (leverage) ratio | 8.8230% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4072% | 1,248 |
| Memoranda: | ||
| Average total assets | $224,334,333 | 2,905 |
| Average earning assets | $212,507,667 | 2,885 |
| Average equity | $22,445,667 | 3,055 |
| Average total loans | $93,456,000 | 3,344 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3859% | 3,241 |
| Cost of funding earning assets | 0.2030% | 3,884 |
| Net interest margin | 3.1829% | 2,751 |
| Noninterest income to average assets | 0.3822% | 3,187 |
| Noninterest expense to average assets | 2.2358% | 2,987 |
| Loan and lease loss provision to assets | 0.0987% | 1,366 |
| Net operating income to assets | 0.9295% | 3,047 |
| Return on assets (ROA) | 0.9295% | 3,121 |
| Pretax return on assets | 1.0587% | 3,218 |
| Return on Equity (ROE) | 9.3455% | 2,909 |
| Retained earnings to average equity (ytd only) | 9.3455% | 1,845 |
| Net charge-offs to loans | 0.0547% | 961 |
| Credit loss provision to net charge-offs | 423.0769% | 636 |
| Earnings coverage of net charge-offs (x) | 49.6154% | 905 |
| Efficiency ratio | 65.8911% | 2,250 |
| Assets per employee ($millions) | 4.9636% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 1,278 |
| Loan loss allowance to noncurrent loans | 403.2000% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 3,345 |
| Noncurrent loans to loans | 0.3984% | 2,674 |
| Net loans and leases to total assets | 40.5584% | 4,314 |
| Net loans and leases to deposits | 47.1803% | 4,298 |
| Net loans and leases to core deposits | 47.9712% | 4,374 |
| Total domestic deposits to total assets | 85.9647% | 2,748 |
| Equity capital to assets | 9.5263% | 3,170 |
| Core capital (leverage) ratio | 8.9847% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5034% | 1,428 |
| Memoranda: | ||
| Average total assets | $222,922,000 | 2,908 |
| Average earning assets | $210,875,500 | 2,884 |
| Average equity | $22,171,000 | 3,066 |
| Average total loans | $95,038,000 | 3,338 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 3,419 |
| Cost of funding earning assets | 0.2302% | 4,465 |
| Net interest margin | 3.5276% | 2,383 |
| Noninterest income to average assets | 0.4210% | 3,011 |
| Noninterest expense to average assets | 2.3986% | 3,137 |
| Loan and lease loss provision to assets | 0.2418% | 1,609 |
| Net operating income to assets | 1.0069% | 2,264 |
| Return on assets (ROA) | 1.0677% | 2,177 |
| Pretax return on assets | 1.1754% | 2,414 |
| Return on Equity (ROE) | 11.0573% | 1,607 |
| Retained earnings to average equity (ytd only) | 6.4321% | 1,618 |
| Net charge-offs to loans | 0.2253% | 771 |
| Credit loss provision to net charge-offs | 241.7062% | 1,970 |
| Earnings coverage of net charge-offs (x) | 13.4976% | 2,276 |
| Efficiency ratio | 63.9813% | 2,825 |
| Assets per employee ($millions) | 4.4392% | 3,980 |
| Cash dividends to net income (ytd only)* | 41.8295% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,473 |
| Loan loss allowance to noncurrent loans | 390.9574% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 3,411 |
| Noncurrent loans to loans | 0.3918% | 2,805 |
| Net loans and leases to total assets | 43.4394% | 4,276 |
| Net loans and leases to deposits | 51.3237% | 4,255 |
| Net loans and leases to core deposits | 52.2411% | 4,327 |
| Total domestic deposits to total assets | 84.6381% | 2,899 |
| Equity capital to assets | 10.3858% | 2,766 |
| Core capital (leverage) ratio | 8.7370% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0132% | 1,522 |
| Memoranda: | ||
| Average total assets | $210,913,000 | 2,853 |
| Average earning assets | $198,975,800 | 2,835 |
| Average equity | $20,366,600 | 3,156 |
| Average total loans | $93,646,800 | 3,347 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 3,559 |
| Cost of funding earning assets | 0.2356% | 4,550 |
| Net interest margin | 3.5688% | 2,361 |
| Noninterest income to average assets | 0.4065% | 3,048 |
| Noninterest expense to average assets | 2.3969% | 3,141 |
| Loan and lease loss provision to assets | 0.2260% | 1,795 |
| Net operating income to assets | 1.0217% | 2,251 |
| Return on assets (ROA) | 1.1016% | 2,102 |
| Pretax return on assets | 1.2412% | 2,265 |
| Return on Equity (ROE) | 11.6366% | 1,470 |
| Retained earnings to average equity (ytd only) | 9.2810% | 916 |
| Net charge-offs to loans | 0.1877% | 798 |
| Credit loss provision to net charge-offs | 270.9924% | 1,853 |
| Earnings coverage of net charge-offs (x) | 16.5038% | 2,056 |
| Efficiency ratio | 63.5044% | 2,826 |
| Assets per employee ($millions) | 4.3743% | 3,977 |
| Cash dividends to net income (ytd only)* | 20.2429% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 1,569 |
| Loan loss allowance to noncurrent loans | 305.2516% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 3,379 |
| Noncurrent loans to loans | 0.4718% | 2,640 |
| Net loans and leases to total assets | 44.5428% | 4,394 |
| Net loans and leases to deposits | 51.6327% | 4,423 |
| Net loans and leases to core deposits | 52.5550% | 4,503 |
| Total domestic deposits to total assets | 86.2687% | 1,951 |
| Equity capital to assets | 10.3797% | 2,891 |
| Core capital (leverage) ratio | 8.9812% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0238% | 1,491 |
| Memoranda: | ||
| Average total assets | $209,261,500 | 2,851 |
| Average earning assets | $197,486,500 | 2,829 |
| Average equity | $19,810,500 | 3,204 |
| Average total loans | $93,068,750 | 3,365 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8420% | 3,759 |
| Cost of funding earning assets | 0.2465% | 4,632 |
| Net interest margin | 3.5956% | 2,502 |
| Noninterest income to average assets | 0.4018% | 3,062 |
| Noninterest expense to average assets | 2.3867% | 3,293 |
| Loan and lease loss provision to assets | 0.1783% | 2,232 |
| Net operating income to assets | 1.0718% | 2,065 |
| Return on assets (ROA) | 1.1900% | 1,800 |
| Pretax return on assets | 1.3605% | 1,836 |
| Return on Equity (ROE) | 13.0014% | 1,096 |
| Retained earnings to average equity (ytd only) | 13.0014% | 350 |
| Net charge-offs to loans | 0.2919% | 545 |
| Credit loss provision to net charge-offs | 138.0597% | 2,188 |
| Earnings coverage of net charge-offs (x) | 10.8657% | 2,125 |
| Efficiency ratio | 62.9799% | 2,958 |
| Assets per employee ($millions) | 4.2826% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 1,957 |
| Loan loss allowance to noncurrent loans | 1,939.6825% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,402 |
| Noncurrent loans to loans | 0.0675% | 4,193 |
| Net loans and leases to total assets | 43.0267% | 4,500 |
| Net loans and leases to deposits | 50.2383% | 4,520 |
| Net loans and leases to core deposits | 50.7095% | 4,608 |
| Total domestic deposits to total assets | 85.6453% | 2,145 |
| Equity capital to assets | 10.1666% | 3,047 |
| Core capital (leverage) ratio | 8.9563% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9677% | 1,492 |
| Memoranda: | ||
| Average total assets | $207,568,000 | 2,844 |
| Average earning assets | $195,575,000 | 2,823 |
| Average equity | $18,998,000 | 3,269 |
| Average total loans | $91,802,000 | 3,379 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 3,913 |
| Cost of funding earning assets | 0.2875% | 4,694 |
| Net interest margin | 3.6663% | 2,447 |
| Noninterest income to average assets | 0.4641% | 2,733 |
| Noninterest expense to average assets | 2.5239% | 3,199 |
| Loan and lease loss provision to assets | 0.1860% | 1,610 |
| Net operating income to assets | 1.0243% | 2,099 |
| Return on assets (ROA) | 1.2590% | 1,455 |
| Pretax return on assets | 1.4764% | 1,366 |
| Return on Equity (ROE) | 14.6037% | 601 |
| Retained earnings to average equity (ytd only) | 14.6037% | 215 |
| Net charge-offs to loans | 0.3164% | 459 |
| Credit loss provision to net charge-offs | 131.9444% | 1,654 |
| Earnings coverage of net charge-offs (x) | 9.8333% | 1,802 |
| Efficiency ratio | 64.5468% | 3,143 |
| Assets per employee ($millions) | 4.1367% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 1,993 |
| Loan loss allowance to noncurrent loans | 1,105.5556% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,330 |
| Noncurrent loans to loans | 0.1205% | 4,038 |
| Net loans and leases to total assets | 42.7575% | 4,562 |
| Net loans and leases to deposits | 50.3106% | 4,580 |
| Net loans and leases to core deposits | 50.8013% | 4,655 |
| Total domestic deposits to total assets | 84.9871% | 2,415 |
| Equity capital to assets | 8.0992% | 4,950 |
| Core capital (leverage) ratio | 9.1913% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9237% | 1,620 |
| Memoranda: | ||
| Average total assets | $204,286,000 | 2,834 |
| Average earning assets | $192,018,500 | 2,814 |
| Average equity | $17,612,000 | 3,411 |
| Average total loans | $91,025,000 | 3,373 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 3,929 |
| Cost of funding earning assets | 0.3583% | 4,576 |
| Net interest margin | 3.7912% | 2,528 |
| Noninterest income to average assets | 0.5235% | 2,606 |
| Noninterest expense to average assets | 2.5608% | 3,287 |
| Loan and lease loss provision to assets | 0.1430% | 1,493 |
| Net operating income to assets | 1.1501% | 2,255 |
| Return on assets (ROA) | 1.1156% | 2,477 |
| Pretax return on assets | 1.3324% | 2,387 |
| Return on Equity (ROE) | 12.5691% | 1,309 |
| Retained earnings to average equity (ytd only) | 9.3243% | 629 |
| Net charge-offs to loans | 0.0032% | 3,569 |
| Credit loss provision to net charge-offs | 9,166.6667% | 48 |
| Earnings coverage of net charge-offs (x) | 972.3333% | 105 |
| Efficiency ratio | 62.8076% | 3,247 |
| Assets per employee ($millions) | 4.1171% | 3,748 |
| Cash dividends to net income (ytd only)* | 25.8155% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,078 |
| Loan loss allowance to noncurrent loans | 594.4162% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 4,134 |
| Noncurrent loans to loans | 0.2132% | 3,696 |
| Net loans and leases to total assets | 45.2309% | 4,548 |
| Net loans and leases to deposits | 52.3358% | 4,599 |
| Net loans and leases to core deposits | 52.8505% | 4,680 |
| Total domestic deposits to total assets | 86.4243% | 1,875 |
| Equity capital to assets | 9.1565% | 4,609 |
| Core capital (leverage) ratio | 8.6616% | 4,751 |
| Tier 1 risk-based capital ratio | 14.9872% | 2,783 |
| Total risk-based capital ratio | 16.0041% | 2,808 |
| Memoranda: | ||
| Average total assets | $192,362,200 | 2,901 |
| Average earning assets | $180,313,000 | 2,885 |
| Average equity | $17,073,600 | 3,425 |
| Average total loans | $94,373,400 | 3,310 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 4,053 |
| Cost of funding earning assets | 0.3770% | 4,572 |
| Net interest margin | 3.7660% | 2,696 |
| Noninterest income to average assets | 0.5213% | 2,596 |
| Noninterest expense to average assets | 2.5877% | 3,197 |
| Loan and lease loss provision to assets | 0.1930% | 923 |
| Net operating income to assets | 1.0608% | 2,736 |
| Return on assets (ROA) | 1.0750% | 2,755 |
| Pretax return on assets | 1.2827% | 2,719 |
| Return on Equity (ROE) | 12.2137% | 1,544 |
| Retained earnings to average equity (ytd only) | 12.2137% | 362 |
| Net charge-offs to loans | -0.0323% | 4,718 |
| Credit loss provision to net charge-offs | -1,195.6522% | 4,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9501% | 3,013 |
| Assets per employee ($millions) | 3.9038% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,282 |
| Loan loss allowance to noncurrent loans | 721.0843% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,282 |
| Noncurrent loans to loans | 0.1721% | 3,922 |
| Net loans and leases to total assets | 49.7911% | 4,438 |
| Net loans and leases to deposits | 57.3549% | 4,494 |
| Net loans and leases to core deposits | 57.9513% | 4,610 |
| Total domestic deposits to total assets | 86.8123% | 1,612 |
| Equity capital to assets | 9.6892% | 4,304 |
| Core capital (leverage) ratio | 9.2699% | 4,401 |
| Tier 1 risk-based capital ratio | 15.4059% | 2,672 |
| Total risk-based capital ratio | 16.4779% | 2,678 |
| Memoranda: | ||
| Average total assets | $190,018,750 | 2,948 |
| Average earning assets | $177,868,000 | 2,932 |
| Average equity | $16,724,000 | 3,495 |
| Average total loans | $94,862,250 | 3,336 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 4,137 |
| Cost of funding earning assets | 0.3914% | 4,543 |
| Net interest margin | 3.7176% | 2,877 |
| Noninterest income to average assets | 0.5074% | 2,636 |
| Noninterest expense to average assets | 2.5412% | 3,352 |
| Loan and lease loss provision to assets | 0.2584% | 591 |
| Net operating income to assets | 1.0000% | 2,920 |
| Return on assets (ROA) | 0.9779% | 3,072 |
| Pretax return on assets | 1.1582% | 3,046 |
| Return on Equity (ROE) | 11.5008% | 1,785 |
| Retained earnings to average equity (ytd only) | 11.5008% | 484 |
| Net charge-offs to loans | -0.0509% | 4,830 |
| Credit loss provision to net charge-offs | -1,020.8333% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7808% | 3,164 |
| Assets per employee ($millions) | 3.8516% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,408 |
| Loan loss allowance to noncurrent loans | 360.4938% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,906 |
| Noncurrent loans to loans | 0.3390% | 3,325 |
| Net loans and leases to total assets | 50.0265% | 4,465 |
| Net loans and leases to deposits | 57.0001% | 4,557 |
| Net loans and leases to core deposits | 57.5940% | 4,659 |
| Total domestic deposits to total assets | 87.7656% | 1,212 |
| Equity capital to assets | 9.3938% | 4,509 |
| Core capital (leverage) ratio | 8.9565% | 4,662 |
| Tier 1 risk-based capital ratio | 15.2685% | 2,728 |
| Total risk-based capital ratio | 16.3427% | 2,719 |
| Memoranda: | ||
| Average total assets | $189,596,670 | 2,962 |
| Average earning assets | $177,320,670 | 2,946 |
| Average equity | $16,120,670 | 3,559 |
| Average total loans | $94,336,330 | 3,369 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 4,190 |
| Cost of funding earning assets | 0.4127% | 4,436 |
| Net interest margin | 3.6647% | 3,027 |
| Noninterest income to average assets | 0.4883% | 2,623 |
| Noninterest expense to average assets | 2.4101% | 3,745 |
| Loan and lease loss provision to assets | 0.3368% | 362 |
| Net operating income to assets | 0.9707% | 2,971 |
| Return on assets (ROA) | 0.9283% | 3,164 |
| Pretax return on assets | 1.1114% | 3,113 |
| Return on Equity (ROE) | 11.5170% | 1,729 |
| Retained earnings to average equity (ytd only) | 11.5170% | 702 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6586% | 3,585 |
| Assets per employee ($millions) | 3.7810% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,057 |
| Loan loss allowance to noncurrent loans | 1,203.4091% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 4,595 |
| Noncurrent loans to loans | 0.0924% | 4,334 |
| Net loans and leases to total assets | 49.8239% | 4,479 |
| Net loans and leases to deposits | 57.8312% | 4,516 |
| Net loans and leases to core deposits | 58.4423% | 4,627 |
| Total domestic deposits to total assets | 86.1539% | 2,205 |
| Equity capital to assets | 8.4173% | 5,033 |
| Core capital (leverage) ratio | 8.5878% | 4,953 |
| Tier 1 risk-based capital ratio | 14.8714% | 2,930 |
| Total risk-based capital ratio | 15.8496% | 2,984 |
| Memoranda: | ||
| Average total assets | $190,030,000 | 2,994 |
| Average earning assets | $177,367,500 | 2,979 |
| Average equity | $15,316,500 | 3,667 |
| Average total loans | $93,713,000 | 3,414 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 4,442 |
| Cost of funding earning assets | 0.3440% | 4,321 |
| Net interest margin | 3.4762% | 3,783 |
| Noninterest income to average assets | 0.5473% | 2,564 |
| Noninterest expense to average assets | 2.4706% | 3,695 |
| Loan and lease loss provision to assets | 0.2010% | 943 |
| Net operating income to assets | 1.0501% | 2,805 |
| Return on assets (ROA) | 0.9487% | 3,236 |
| Pretax return on assets | 1.0111% | 3,561 |
| Return on Equity (ROE) | 12.8528% | 1,396 |
| Retained earnings to average equity (ytd only) | 9.1847% | 805 |
| Net charge-offs to loans | 0.7703% | 202 |
| Credit loss provision to net charge-offs | 54.2857% | 3,150 |
| Earnings coverage of net charge-offs (x) | 3.5657% | 3,394 |
| Efficiency ratio | 65.1786% | 3,001 |
| Assets per employee ($millions) | 3.7453% | 4,257 |
| Cash dividends to net income (ytd only)* | 28.5396% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 3,838 |
| Loan loss allowance to noncurrent loans | 541.5663% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 4,383 |
| Noncurrent loans to loans | 0.1801% | 3,947 |
| Net loans and leases to total assets | 47.7860% | 4,655 |
| Net loans and leases to deposits | 54.4265% | 4,734 |
| Net loans and leases to core deposits | 54.9845% | 4,810 |
| Total domestic deposits to total assets | 87.7991% | 1,391 |
| Equity capital to assets | 7.7064% | 5,240 |
| Core capital (leverage) ratio | 8.2111% | 5,165 |
| Tier 1 risk-based capital ratio | 14.7699% | 2,933 |
| Total risk-based capital ratio | 15.6199% | 3,043 |
| Memoranda: | ||
| Average total assets | $189,101,000 | 2,967 |
| Average earning assets | $176,430,000 | 2,965 |
| Average equity | $13,958,000 | 3,755 |
| Average total loans | $90,871,000 | 3,463 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 4,563 |
| Cost of funding earning assets | 0.3373% | 4,260 |
| Net interest margin | 3.4045% | 3,994 |
| Noninterest income to average assets | 0.5224% | 2,729 |
| Noninterest expense to average assets | 2.4217% | 3,802 |
| Loan and lease loss provision to assets | 0.2191% | 762 |
| Net operating income to assets | 0.8946% | 3,559 |
| Return on assets (ROA) | 0.8970% | 3,549 |
| Pretax return on assets | 1.0596% | 3,540 |
| Return on Equity (ROE) | 12.2895% | 1,684 |
| Retained earnings to average equity (ytd only) | 12.2895% | 444 |
| Net charge-offs to loans | 0.0839% | 1,677 |
| Credit loss provision to net charge-offs | 543.8596% | 651 |
| Earnings coverage of net charge-offs (x) | 31.6659% | 1,560 |
| Efficiency ratio | 65.4942% | 2,959 |
| Assets per employee ($millions) | 3.8259% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 1,111 |
| Loan loss allowance to noncurrent loans | 119.9674% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 2,231 |
| Noncurrent loans to loans | 1.3208% | 1,261 |
| Net loans and leases to total assets | 48.7694% | 4,676 |
| Net loans and leases to deposits | 55.1512% | 4,786 |
| Net loans and leases to core deposits | 55.7270% | 4,853 |
| Total domestic deposits to total assets | 88.4285% | 1,078 |
| Equity capital to assets | 7.3526% | 5,335 |
| Core capital (leverage) ratio | 8.3168% | 5,197 |
| Tier 1 risk-based capital ratio | 14.7884% | 2,977 |
| Total risk-based capital ratio | 16.0402% | 2,894 |
| Memoranda: | ||
| Average total assets | $188,623,750 | 2,998 |
| Average earning assets | $175,918,500 | 2,988 |
| Average equity | $13,767,500 | 3,808 |
| Average total loans | $90,545,000 | 3,495 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6634% | 4,661 |
| Cost of funding earning assets | 0.3184% | 4,277 |
| Net interest margin | 3.3450% | 4,120 |
| Noninterest income to average assets | 0.4984% | 2,876 |
| Noninterest expense to average assets | 2.4062% | 3,880 |
| Loan and lease loss provision to assets | 0.1746% | 1,048 |
| Net operating income to assets | 0.8886% | 3,505 |
| Return on assets (ROA) | 0.8931% | 3,497 |
| Pretax return on assets | 1.0465% | 3,524 |
| Return on Equity (ROE) | 12.2657% | 1,632 |
| Retained earnings to average equity (ytd only) | 12.2657% | 478 |
| Net charge-offs to loans | 0.0178% | 2,549 |
| Credit loss provision to net charge-offs | 2,062.5000% | 208 |
| Earnings coverage of net charge-offs (x) | 143.6250% | 534 |
| Efficiency ratio | 66.4330% | 2,901 |
| Assets per employee ($millions) | 3.8348% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 1,349 |
| Loan loss allowance to noncurrent loans | 117.2061% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 2,343 |
| Noncurrent loans to loans | 1.2936% | 1,318 |
| Net loans and leases to total assets | 47.5640% | 4,745 |
| Net loans and leases to deposits | 53.9769% | 4,846 |
| Net loans and leases to core deposits | 54.6575% | 4,911 |
| Total domestic deposits to total assets | 88.1191% | 1,315 |
| Equity capital to assets | 7.3675% | 5,404 |
| Core capital (leverage) ratio | 8.0762% | 5,322 |
| Tier 1 risk-based capital ratio | 14.7671% | 2,983 |
| Total risk-based capital ratio | 16.0180% | 2,912 |
| Memoranda: | ||
| Average total assets | $189,008,330 | 3,013 |
| Average earning assets | $176,501,670 | 2,997 |
| Average equity | $13,762,000 | 3,827 |
| Average total loans | $89,760,000 | 3,522 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5549% | 4,786 |
| Cost of funding earning assets | 0.3030% | 4,330 |
| Net interest margin | 3.2518% | 4,308 |
| Noninterest income to average assets | 0.4537% | 3,092 |
| Noninterest expense to average assets | 2.2473% | 4,307 |
| Loan and lease loss provision to assets | 0.1688% | 1,054 |
| Net operating income to assets | 0.9080% | 3,259 |
| Return on assets (ROA) | 0.9116% | 3,252 |
| Pretax return on assets | 1.0762% | 3,259 |
| Return on Equity (ROE) | 12.5938% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.5938% | 579 |
| Net charge-offs to loans | 0.1344% | 1,001 |
| Credit loss provision to net charge-offs | 266.6667% | 882 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,496 |
| Efficiency ratio | 64.4283% | 3,413 |
| Assets per employee ($millions) | 3.9899% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,763 |
| Loan loss allowance to noncurrent loans | 94.9850% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 2,222 |
| Noncurrent loans to loans | 1.4954% | 1,180 |
| Net loans and leases to total assets | 45.9868% | 4,793 |
| Net loans and leases to deposits | 51.5988% | 4,895 |
| Net loans and leases to core deposits | 52.2320% | 4,972 |
| Total domestic deposits to total assets | 89.1236% | 1,041 |
| Equity capital to assets | 7.0605% | 5,505 |
| Core capital (leverage) ratio | 8.0568% | 5,376 |
| Tier 1 risk-based capital ratio | 14.5850% | 3,078 |
| Total risk-based capital ratio | 15.8290% | 2,986 |
| Memoranda: | ||
| Average total assets | $189,559,000 | 3,039 |
| Average earning assets | $176,884,500 | 3,026 |
| Average equity | $13,721,000 | 3,871 |
| Average total loans | $89,264,000 | 3,563 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4334% | 4,893 |
| Cost of funding earning assets | 0.2972% | 4,169 |
| Net interest margin | 3.1362% | 4,613 |
| Noninterest income to average assets | 0.5366% | 2,789 |
| Noninterest expense to average assets | 2.5353% | 3,661 |
| Loan and lease loss provision to assets | 0.2678% | 672 |
| Net operating income to assets | 0.4393% | 4,566 |
| Return on assets (ROA) | 0.4435% | 4,582 |
| Pretax return on assets | 0.6532% | 4,621 |
| Return on Equity (ROE) | 5.6366% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.0984% | 3,441 |
| Net charge-offs to loans | 0.4024% | 622 |
| Credit loss provision to net charge-offs | 145.8967% | 1,819 |
| Earnings coverage of net charge-offs (x) | 4.9848% | 3,388 |
| Efficiency ratio | 73.4842% | 1,986 |
| Assets per employee ($millions) | 3.9084% | 4,110 |
| Cash dividends to net income (ytd only)* | 45.0314% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 1,897 |
| Loan loss allowance to noncurrent loans | 87.0714% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 2,088 |
| Noncurrent loans to loans | 1.5697% | 1,072 |
| Net loans and leases to total assets | 46.8908% | 4,834 |
| Net loans and leases to deposits | 52.9274% | 4,934 |
| Net loans and leases to core deposits | 53.5962% | 5,013 |
| Total domestic deposits to total assets | 88.5945% | 1,199 |
| Equity capital to assets | 7.4200% | 5,554 |
| Core capital (leverage) ratio | 7.8045% | 5,498 |
| Tier 1 risk-based capital ratio | 14.1830% | 3,268 |
| Total risk-based capital ratio | 15.3800% | 3,193 |
| Memoranda: | ||
| Average total assets | $179,271,000 | 3,125 |
| Average earning assets | $166,538,800 | 3,121 |
| Average equity | $14,104,200 | 3,833 |
| Average total loans | $81,761,000 | 3,712 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3568% | 5,031 |
| Cost of funding earning assets | 0.2918% | 4,213 |
| Net interest margin | 3.0650% | 4,788 |
| Noninterest income to average assets | 0.5388% | 2,787 |
| Noninterest expense to average assets | 2.4982% | 3,743 |
| Loan and lease loss provision to assets | 0.1731% | 1,161 |
| Net operating income to assets | 0.5769% | 4,471 |
| Return on assets (ROA) | 0.5824% | 4,493 |
| Pretax return on assets | 0.7201% | 4,559 |
| Return on Equity (ROE) | 7.2929% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.2929% | 1,539 |
| Net charge-offs to loans | 0.2870% | 749 |
| Credit loss provision to net charge-offs | 133.7209% | 1,844 |
| Earnings coverage of net charge-offs (x) | 6.8488% | 2,937 |
| Efficiency ratio | 73.8106% | 1,924 |
| Assets per employee ($millions) | 3.7102% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 2,239 |
| Loan loss allowance to noncurrent loans | 112.8128% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 2,762 |
| Noncurrent loans to loans | 1.1748% | 1,635 |
| Net loans and leases to total assets | 46.1529% | 4,930 |
| Net loans and leases to deposits | 52.3895% | 5,038 |
| Net loans and leases to core deposits | 52.9315% | 5,106 |
| Total domestic deposits to total assets | 88.0957% | 1,315 |
| Equity capital to assets | 8.0814% | 5,494 |
| Core capital (leverage) ratio | 8.2147% | 5,413 |
| Tier 1 risk-based capital ratio | 15.3404% | 2,778 |
| Total risk-based capital ratio | 16.5216% | 2,741 |
| Memoranda: | ||
| Average total assets | $177,188,250 | 3,181 |
| Average earning assets | $164,519,500 | 3,179 |
| Average equity | $14,150,250 | 3,864 |
| Average total loans | $79,904,500 | 3,779 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 5,145 |
| Cost of funding earning assets | 0.2871% | 4,219 |
| Net interest margin | 2.9848% | 4,945 |
| Noninterest income to average assets | 0.5243% | 2,867 |
| Noninterest expense to average assets | 2.5031% | 3,738 |
| Loan and lease loss provision to assets | 0.0967% | 2,069 |
| Net operating income to assets | 0.5684% | 4,434 |
| Return on assets (ROA) | 0.5777% | 4,457 |
| Pretax return on assets | 0.7028% | 4,538 |
| Return on Equity (ROE) | 7.1660% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.1660% | 1,510 |
| Net charge-offs to loans | 0.1739% | 1,130 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 10.1912% | 2,361 |
| Efficiency ratio | 76.0539% | 1,713 |
| Assets per employee ($millions) | 3.9692% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 4,326 |
| Loan loss allowance to noncurrent loans | 77.4923% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 2,861 |
| Noncurrent loans to loans | 1.2518% | 1,544 |
| Net loans and leases to total assets | 41.2607% | 5,182 |
| Net loans and leases to deposits | 47.0878% | 5,243 |
| Net loans and leases to core deposits | 47.5650% | 5,297 |
| Total domestic deposits to total assets | 87.6250% | 1,648 |
| Equity capital to assets | 7.9055% | 5,574 |
| Core capital (leverage) ratio | 8.2617% | 5,385 |
| Tier 1 risk-based capital ratio | 16.2179% | 2,425 |
| Total risk-based capital ratio | 17.0635% | 2,516 |
| Memoranda: | ||
| Average total assets | $175,859,330 | 3,211 |
| Average earning assets | $163,025,330 | 3,201 |
| Average equity | $14,178,000 | 3,872 |
| Average total loans | $78,195,000 | 3,832 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2950% | 5,112 |
| Cost of funding earning assets | 0.2869% | 4,174 |
| Net interest margin | 3.0081% | 4,877 |
| Noninterest income to average assets | 0.5395% | 2,712 |
| Noninterest expense to average assets | 2.4702% | 3,903 |
| Loan and lease loss provision to assets | 0.1173% | 1,630 |
| Net operating income to assets | 0.6053% | 4,136 |
| Return on assets (ROA) | 0.6170% | 4,137 |
| Pretax return on assets | 0.7460% | 4,298 |
| Return on Equity (ROE) | 7.5722% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.5722% | 1,619 |
| Net charge-offs to loans | 0.2244% | 799 |
| Credit loss provision to net charge-offs | 113.6364% | 1,454 |
| Earnings coverage of net charge-offs (x) | 8.2273% | 2,076 |
| Efficiency ratio | 74.4170% | 2,161 |
| Assets per employee ($millions) | 3.6374% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 4,524 |
| Loan loss allowance to noncurrent loans | 71.0325% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 2,619 |
| Noncurrent loans to loans | 1.3440% | 1,505 |
| Net loans and leases to total assets | 45.0888% | 4,980 |
| Net loans and leases to deposits | 50.8289% | 5,077 |
| Net loans and leases to core deposits | 51.3829% | 5,171 |
| Total domestic deposits to total assets | 88.7070% | 1,315 |
| Equity capital to assets | 8.2770% | 5,370 |
| Core capital (leverage) ratio | 8.6156% | 5,139 |
| Tier 1 risk-based capital ratio | 16.0454% | 2,528 |
| Total risk-based capital ratio | 16.8840% | 2,637 |
| Memoranda: | ||
| Average total assets | $170,512,500 | 3,307 |
| Average earning assets | $157,572,500 | 3,305 |
| Average equity | $13,893,000 | 3,939 |
| Average total loans | $78,429,000 | 3,852 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3256% | 5,123 |
| Cost of funding earning assets | 0.2727% | 4,334 |
| Net interest margin | 3.0529% | 4,842 |
| Noninterest income to average assets | 0.5694% | 2,823 |
| Noninterest expense to average assets | 2.6726% | 3,436 |
| Loan and lease loss provision to assets | 0.0994% | 2,394 |
| Net operating income to assets | 0.5465% | 4,445 |
| Return on assets (ROA) | 0.5669% | 4,462 |
| Pretax return on assets | 0.6537% | 4,645 |
| Return on Equity (ROE) | 6.6143% | 3,684 |
| Retained earnings to average equity (ytd only) | 4.3509% | 2,804 |
| Net charge-offs to loans | 0.2306% | 1,203 |
| Credit loss provision to net charge-offs | 88.7097% | 2,821 |
| Earnings coverage of net charge-offs (x) | 6.5108% | 3,164 |
| Efficiency ratio | 78.5550% | 1,614 |
| Assets per employee ($millions) | 3.5431% | 4,692 |
| Cash dividends to net income (ytd only)* | 34.2189% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 4,642 |
| Loan loss allowance to noncurrent loans | 103.0769% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 3,341 |
| Noncurrent loans to loans | 0.9047% | 2,288 |
| Net loans and leases to total assets | 46.0378% | 5,014 |
| Net loans and leases to deposits | 52.1945% | 5,110 |
| Net loans and leases to core deposits | 52.7740% | 5,186 |
| Total domestic deposits to total assets | 88.2042% | 1,532 |
| Equity capital to assets | 8.0179% | 5,557 |
| Core capital (leverage) ratio | 8.4416% | 5,326 |
| Tier 1 risk-based capital ratio | 15.4388% | 2,768 |
| Total risk-based capital ratio | 16.2531% | 2,903 |
| Memoranda: | ||
| Average total assets | $165,977,600 | 3,333 |
| Average earning assets | $154,018,600 | 3,323 |
| Average equity | $14,226,800 | 3,918 |
| Average total loans | $80,659,400 | 3,790 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3146% | 5,193 |
| Cost of funding earning assets | 0.2721% | 4,362 |
| Net interest margin | 3.0425% | 4,918 |
| Noninterest income to average assets | 0.5415% | 2,966 |
| Noninterest expense to average assets | 2.6504% | 3,496 |
| Loan and lease loss provision to assets | 0.0768% | 2,690 |
| Net operating income to assets | 0.5557% | 4,472 |
| Return on assets (ROA) | 0.5828% | 4,474 |
| Pretax return on assets | 0.6749% | 4,678 |
| Return on Equity (ROE) | 6.6876% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.6876% | 1,793 |
| Net charge-offs to loans | 0.1349% | 1,628 |
| Credit loss provision to net charge-offs | 115.8537% | 2,146 |
| Earnings coverage of net charge-offs (x) | 10.8659% | 2,541 |
| Efficiency ratio | 78.6331% | 1,600 |
| Assets per employee ($millions) | 3.4381% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 4,619 |
| Loan loss allowance to noncurrent loans | 105.3279% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 3,430 |
| Noncurrent loans to loans | 0.9111% | 2,424 |
| Net loans and leases to total assets | 48.2176% | 4,945 |
| Net loans and leases to deposits | 54.6943% | 5,072 |
| Net loans and leases to core deposits | 55.1656% | 5,191 |
| Total domestic deposits to total assets | 88.1583% | 1,318 |
| Equity capital to assets | 9.0179% | 5,159 |
| Core capital (leverage) ratio | 8.7398% | 5,114 |
| Tier 1 risk-based capital ratio | 15.6544% | 2,768 |
| Total risk-based capital ratio | 16.5101% | 2,864 |
| Memoranda: | ||
| Average total assets | $164,954,750 | 3,361 |
| Average earning assets | $153,376,500 | 3,346 |
| Average equity | $14,374,500 | 3,928 |
| Average total loans | $81,066,000 | 3,801 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2935% | 5,301 |
| Cost of funding earning assets | 0.2714% | 4,427 |
| Net interest margin | 3.0221% | 5,034 |
| Noninterest income to average assets | 0.5105% | 3,119 |
| Noninterest expense to average assets | 2.6702% | 3,485 |
| Loan and lease loss provision to assets | 0.0667% | 2,809 |
| Net operating income to assets | 0.5021% | 4,670 |
| Return on assets (ROA) | 0.5396% | 4,632 |
| Pretax return on assets | 0.6257% | 4,826 |
| Return on Equity (ROE) | 6.2653% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.2653% | 1,979 |
| Net charge-offs to loans | 0.1623% | 1,362 |
| Credit loss provision to net charge-offs | 83.3333% | 2,330 |
| Earnings coverage of net charge-offs (x) | 8.1061% | 2,550 |
| Efficiency ratio | 80.4531% | 1,451 |
| Assets per employee ($millions) | 3.3748% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 4,864 |
| Loan loss allowance to noncurrent loans | 109.0511% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 3,632 |
| Noncurrent loans to loans | 0.8497% | 2,616 |
| Net loans and leases to total assets | 48.2971% | 4,969 |
| Net loans and leases to deposits | 54.6671% | 5,097 |
| Net loans and leases to core deposits | 55.1358% | 5,216 |
| Total domestic deposits to total assets | 88.3477% | 1,248 |
| Equity capital to assets | 8.7975% | 5,407 |
| Core capital (leverage) ratio | 8.5117% | 5,355 |
| Tier 1 risk-based capital ratio | 15.4122% | 2,898 |
| Total risk-based capital ratio | 16.2460% | 3,025 |
| Memoranda: | ||
| Average total assets | $164,930,670 | 3,378 |
| Average earning assets | $153,271,670 | 3,368 |
| Average equity | $14,205,330 | 3,972 |
| Average total loans | $81,307,000 | 3,815 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2913% | 5,336 |
| Cost of funding earning assets | 0.2697% | 4,500 |
| Net interest margin | 3.0216% | 5,069 |
| Noninterest income to average assets | 0.5003% | 3,106 |
| Noninterest expense to average assets | 2.5135% | 4,027 |
| Loan and lease loss provision to assets | 0.0607% | 2,730 |
| Net operating income to assets | 0.6110% | 4,129 |
| Return on assets (ROA) | 0.6824% | 3,921 |
| Pretax return on assets | 0.8135% | 4,154 |
| Return on Equity (ROE) | 8.0091% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.0091% | 1,451 |
| Net charge-offs to loans | 0.2351% | 868 |
| Credit loss provision to net charge-offs | 52.0833% | 2,033 |
| Earnings coverage of net charge-offs (x) | 6.7708% | 2,212 |
| Efficiency ratio | 76.1029% | 2,165 |
| Assets per employee ($millions) | 3.4165% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 5,035 |
| Loan loss allowance to noncurrent loans | 2,041.6667% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 5,251 |
| Noncurrent loans to loans | 0.0445% | 5,317 |
| Net loans and leases to total assets | 48.8719% | 4,901 |
| Net loans and leases to deposits | 55.1188% | 5,030 |
| Net loans and leases to core deposits | 55.5921% | 5,157 |
| Total domestic deposits to total assets | 88.6665% | 1,260 |
| Equity capital to assets | 8.7114% | 5,413 |
| Core capital (leverage) ratio | 8.5830% | 5,308 |
| Tier 1 risk-based capital ratio | 15.0275% | 3,145 |
| Total risk-based capital ratio | 15.8371% | 3,284 |
| Memoranda: | ||
| Average total assets | $164,713,000 | 3,389 |
| Average earning assets | $152,765,000 | 3,379 |
| Average equity | $14,034,000 | 4,000 |
| Average total loans | $81,653,500 | 3,811 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2872% | 5,366 |
| Cost of funding earning assets | 0.2734% | 4,551 |
| Net interest margin | 3.0137% | 5,105 |
| Noninterest income to average assets | 0.5014% | 3,324 |
| Noninterest expense to average assets | 2.7237% | 3,504 |
| Loan and lease loss provision to assets | 0.0621% | 3,058 |
| Net operating income to assets | 0.4781% | 4,772 |
| Return on assets (ROA) | 0.4877% | 4,832 |
| Pretax return on assets | 0.5337% | 5,034 |
| Return on Equity (ROE) | 5.7483% | 4,154 |
| Retained earnings to average equity (ytd only) | 3.4197% | 3,621 |
| Net charge-offs to loans | 0.1145% | 2,229 |
| Credit loss provision to net charge-offs | 106.3830% | 2,364 |
| Earnings coverage of net charge-offs (x) | 10.0213% | 2,745 |
| Efficiency ratio | 82.3132% | 1,363 |
| Assets per employee ($millions) | 3.4465% | 4,909 |
| Cash dividends to net income (ytd only)* | 40.5096% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 5,012 |
| Loan loss allowance to noncurrent loans | 1,242.6230% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 5,163 |
| Noncurrent loans to loans | 0.0740% | 5,208 |
| Net loans and leases to total assets | 49.3659% | 4,924 |
| Net loans and leases to deposits | 55.5168% | 5,076 |
| Net loans and leases to core deposits | 56.0876% | 5,203 |
| Total domestic deposits to total assets | 88.9207% | 1,150 |
| Equity capital to assets | 8.3308% | 5,681 |
| Core capital (leverage) ratio | 8.2191% | 5,680 |
| Tier 1 risk-based capital ratio | 14.5199% | 3,437 |
| Total risk-based capital ratio | 15.3416% | 3,582 |
| Memoranda: | ||
| Average total assets | $160,958,400 | 3,414 |
| Average earning assets | $149,946,600 | 3,405 |
| Average equity | $13,656,200 | 4,022 |
| Average total loans | $82,125,000 | 3,771 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2784% | 5,444 |
| Cost of funding earning assets | 0.2738% | 4,620 |
| Net interest margin | 3.0046% | 5,180 |
| Noninterest income to average assets | 0.4880% | 3,458 |
| Noninterest expense to average assets | 2.7227% | 3,487 |
| Loan and lease loss provision to assets | 0.0542% | 3,110 |
| Net operating income to assets | 0.4562% | 4,950 |
| Return on assets (ROA) | 0.4688% | 4,999 |
| Pretax return on assets | 0.5263% | 5,160 |
| Return on Equity (ROE) | 5.4996% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.4996% | 2,579 |
| Net charge-offs to loans | 0.0813% | 2,393 |
| Credit loss provision to net charge-offs | 130.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 13.5790% | 2,317 |
| Efficiency ratio | 82.7796% | 1,297 |
| Assets per employee ($millions) | 3.1892% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 5,107 |
| Loan loss allowance to noncurrent loans | 227.5964% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 4,598 |
| Noncurrent loans to loans | 0.4056% | 4,155 |
| Net loans and leases to total assets | 51.6289% | 4,788 |
| Net loans and leases to deposits | 58.7068% | 4,941 |
| Net loans and leases to core deposits | 59.3385% | 5,111 |
| Total domestic deposits to total assets | 87.9438% | 1,597 |
| Equity capital to assets | 8.7865% | 5,502 |
| Core capital (leverage) ratio | 8.6061% | 5,456 |
| Tier 1 risk-based capital ratio | 14.5042% | 3,572 |
| Total risk-based capital ratio | 15.3299% | 3,749 |
| Memoranda: | ||
| Average total assets | $159,839,500 | 3,461 |
| Average earning assets | $149,011,000 | 3,449 |
| Average equity | $13,624,750 | 4,076 |
| Average total loans | $82,049,750 | 3,803 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2350% | 5,564 |
| Cost of funding earning assets | 0.2751% | 4,669 |
| Net interest margin | 2.9600% | 5,315 |
| Noninterest income to average assets | 0.4726% | 3,545 |
| Noninterest expense to average assets | 2.7256% | 3,508 |
| Loan and lease loss provision to assets | 0.0625% | 2,864 |
| Net operating income to assets | 0.3858% | 5,182 |
| Return on assets (ROA) | 0.3988% | 5,247 |
| Pretax return on assets | 0.4576% | 5,335 |
| Return on Equity (ROE) | 4.7273% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.7273% | 3,035 |
| Net charge-offs to loans | 0.1053% | 1,952 |
| Credit loss provision to net charge-offs | 116.2791% | 1,853 |
| Earnings coverage of net charge-offs (x) | 9.3953% | 2,457 |
| Efficiency ratio | 84.3653% | 1,223 |
| Assets per employee ($millions) | 3.2534% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 5,188 |
| Loan loss allowance to noncurrent loans | 217.4785% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 4,698 |
| Noncurrent loans to loans | 0.4269% | 4,197 |
| Net loans and leases to total assets | 49.7842% | 4,953 |
| Net loans and leases to deposits | 56.0044% | 5,116 |
| Net loans and leases to core deposits | 56.5882% | 5,273 |
| Total domestic deposits to total assets | 88.8935% | 1,193 |
| Equity capital to assets | 8.3248% | 5,815 |
| Core capital (leverage) ratio | 8.2378% | 5,755 |
| Tier 1 risk-based capital ratio | 14.4027% | 3,695 |
| Total risk-based capital ratio | 15.2277% | 3,879 |
| Memoranda: | ||
| Average total assets | $159,965,670 | 3,487 |
| Average earning assets | $149,056,330 | 3,469 |
| Average equity | $13,496,000 | 4,124 |
| Average total loans | $81,701,330 | 3,832 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2415% | 5,574 |
| Cost of funding earning assets | 0.2731% | 4,750 |
| Net interest margin | 2.9685% | 5,300 |
| Noninterest income to average assets | 0.4741% | 3,473 |
| Noninterest expense to average assets | 2.6429% | 3,778 |
| Loan and lease loss provision to assets | 0.0504% | 2,925 |
| Net operating income to assets | 0.4745% | 4,780 |
| Return on assets (ROA) | 0.4766% | 4,895 |
| Pretax return on assets | 0.5523% | 5,040 |
| Return on Equity (ROE) | 5.6112% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.6112% | 2,710 |
| Net charge-offs to loans | 0.0881% | 1,839 |
| Credit loss provision to net charge-offs | 111.1111% | 1,503 |
| Earnings coverage of net charge-offs (x) | 13.2222% | 1,737 |
| Efficiency ratio | 81.4930% | 1,686 |
| Assets per employee ($millions) | 3.2393% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 5,310 |
| Loan loss allowance to noncurrent loans | 1,538.7755% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 5,620 |
| Noncurrent loans to loans | 0.0608% | 5,534 |
| Net loans and leases to total assets | 49.2594% | 4,918 |
| Net loans and leases to deposits | 55.2832% | 5,102 |
| Net loans and leases to core deposits | 55.8587% | 5,258 |
| Total domestic deposits to total assets | 89.1038% | 1,198 |
| Equity capital to assets | 8.4500% | 5,773 |
| Core capital (leverage) ratio | 8.5413% | 5,484 |
| Tier 1 risk-based capital ratio | 14.4612% | 3,743 |
| Total risk-based capital ratio | 15.2933% | 3,901 |
| Memoranda: | ||
| Average total assets | $158,613,500 | 3,526 |
| Average earning assets | $147,955,500 | 3,502 |
| Average equity | $13,473,000 | 4,152 |
| Average total loans | $81,680,500 | 3,838 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6178% | 5,036 |
| Cost of funding earning assets | 0.3186% | 4,599 |
| Net interest margin | 3.2991% | 4,569 |
| Noninterest income to average assets | 0.5518% | 3,167 |
| Noninterest expense to average assets | 2.9795% | 2,902 |
| Loan and lease loss provision to assets | 0.0800% | 2,883 |
| Net operating income to assets | 0.5258% | 4,700 |
| Return on assets (ROA) | 0.5379% | 4,736 |
| Pretax return on assets | 0.5594% | 5,073 |
| Return on Equity (ROE) | 6.0237% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.1015% | 4,034 |
| Net charge-offs to loans | 0.1306% | 2,707 |
| Credit loss provision to net charge-offs | 109.5238% | 2,178 |
| Earnings coverage of net charge-offs (x) | 8.5810% | 2,857 |
| Efficiency ratio | 82.6162% | 1,583 |
| Assets per employee ($millions) | 3.1052% | 5,559 |
| Cash dividends to net income (ytd only)* | 48.5123% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 5,453 |
| Loan loss allowance to noncurrent loans | 895.2381% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 5,613 |
| Noncurrent loans to loans | 0.1014% | 5,490 |
| Net loans and leases to total assets | 52.8603% | 4,704 |
| Net loans and leases to deposits | 59.6566% | 4,933 |
| Net loans and leases to core deposits | 60.3085% | 5,118 |
| Total domestic deposits to total assets | 88.6076% | 1,468 |
| Equity capital to assets | 8.5404% | 5,712 |
| Core capital (leverage) ratio | 8.8073% | 5,239 |
| Tier 1 risk-based capital ratio | 14.1920% | 3,972 |
| Total risk-based capital ratio | 15.0149% | 4,194 |
| Memoranda: | ||
| Average total assets | $143,715,200 | 3,728 |
| Average earning assets | $133,065,600 | 3,703 |
| Average equity | $12,832,600 | 4,219 |
| Average total loans | $80,424,800 | 3,863 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6721% | 4,931 |
| Cost of funding earning assets | 0.3255% | 4,609 |
| Net interest margin | 3.3465% | 4,441 |
| Noninterest income to average assets | 0.5368% | 3,279 |
| Noninterest expense to average assets | 2.9274% | 3,032 |
| Loan and lease loss provision to assets | 0.1089% | 2,223 |
| Net operating income to assets | 0.5330% | 4,749 |
| Return on assets (ROA) | 0.5482% | 4,758 |
| Pretax return on assets | 0.6125% | 4,990 |
| Return on Equity (ROE) | 6.0663% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.4482% | 2,798 |
| Net charge-offs to loans | 0.1353% | 2,441 |
| Credit loss provision to net charge-offs | 141.9753% | 1,661 |
| Earnings coverage of net charge-offs (x) | 9.1850% | 2,700 |
| Efficiency ratio | 80.6048% | 1,825 |
| Assets per employee ($millions) | 2.9107% | 5,835 |
| Cash dividends to net income (ytd only)* | 10.1894% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 5,407 |
| Loan loss allowance to noncurrent loans | 680.7018% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 5,134 |
| Noncurrent loans to loans | 0.1403% | 5,501 |
| Net loans and leases to total assets | 56.4312% | 4,275 |
| Net loans and leases to deposits | 64.5657% | 4,476 |
| Net loans and leases to core deposits | 65.3425% | 4,766 |
| Total domestic deposits to total assets | 87.4012% | 2,091 |
| Equity capital to assets | 9.2985% | 5,034 |
| Core capital (leverage) ratio | 9.3718% | 4,542 |
| Tier 1 risk-based capital ratio | 14.8959% | 3,652 |
| Total risk-based capital ratio | 15.7776% | 3,808 |
| Memoranda: | ||
| Average total assets | $140,828,500 | 3,810 |
| Average earning assets | $130,241,000 | 3,786 |
| Average equity | $12,725,750 | 4,270 |
| Average total loans | $79,825,000 | 3,911 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7005% | 4,864 |
| Cost of funding earning assets | 0.3294% | 4,650 |
| Net interest margin | 3.3711% | 4,310 |
| Noninterest income to average assets | 0.5249% | 3,306 |
| Noninterest expense to average assets | 2.9423% | 3,029 |
| Loan and lease loss provision to assets | 0.1070% | 2,226 |
| Net operating income to assets | 0.5006% | 4,807 |
| Return on assets (ROA) | 0.5006% | 4,889 |
| Pretax return on assets | 0.5848% | 5,002 |
| Return on Equity (ROE) | 5.5950% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.5950% | 2,583 |
| Net charge-offs to loans | 0.1286% | 2,381 |
| Credit loss provision to net charge-offs | 147.0588% | 1,476 |
| Earnings coverage of net charge-offs (x) | 9.5098% | 2,352 |
| Efficiency ratio | 80.9655% | 1,885 |
| Assets per employee ($millions) | 2.9664% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 5,539 |
| Loan loss allowance to noncurrent loans | 722.6415% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 5,143 |
| Noncurrent loans to loans | 0.1323% | 5,608 |
| Net loans and leases to total assets | 55.7105% | 4,323 |
| Net loans and leases to deposits | 63.6796% | 4,532 |
| Net loans and leases to core deposits | 64.4463% | 4,775 |
| Total domestic deposits to total assets | 87.4856% | 2,201 |
| Equity capital to assets | 9.1539% | 5,153 |
| Core capital (leverage) ratio | 9.3551% | 4,525 |
| Tier 1 risk-based capital ratio | 14.9713% | 3,655 |
| Total risk-based capital ratio | 15.8562% | 3,813 |
| Memoranda: | ||
| Average total assets | $140,229,670 | 3,845 |
| Average earning assets | $129,334,000 | 3,820 |
| Average equity | $12,547,000 | 4,312 |
| Average total loans | $79,346,330 | 3,925 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,740 |
| Cost of funding earning assets | 0.3321% | 4,715 |
| Net interest margin | 3.3991% | 4,119 |
| Noninterest income to average assets | 0.5031% | 3,387 |
| Noninterest expense to average assets | 2.8200% | 3,495 |
| Loan and lease loss provision to assets | 0.1294% | 1,878 |
| Net operating income to assets | 0.5835% | 4,271 |
| Return on assets (ROA) | 0.5835% | 4,344 |
| Pretax return on assets | 0.7014% | 4,481 |
| Return on Equity (ROE) | 6.5997% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.5997% | 2,231 |
| Net charge-offs to loans | 0.1722% | 1,686 |
| Credit loss provision to net charge-offs | 132.3529% | 1,364 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,016 |
| Efficiency ratio | 77.2441% | 2,601 |
| Assets per employee ($millions) | 2.9682% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 5,700 |
| Loan loss allowance to noncurrent loans | 388.1443% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 5,071 |
| Noncurrent loans to loans | 0.2450% | 5,371 |
| Net loans and leases to total assets | 56.2298% | 4,122 |
| Net loans and leases to deposits | 63.8067% | 4,332 |
| Net loans and leases to core deposits | 64.5826% | 4,641 |
| Total domestic deposits to total assets | 88.1252% | 2,155 |
| Equity capital to assets | 9.0003% | 5,116 |
| Core capital (leverage) ratio | 9.4119% | 4,402 |
| Tier 1 risk-based capital ratio | 14.9104% | 3,758 |
| Total risk-based capital ratio | 15.7857% | 3,937 |
| Memoranda: | ||
| Average total assets | $139,150,500 | 3,891 |
| Average earning assets | $128,859,000 | 3,866 |
| Average equity | $12,303,500 | 4,370 |
| Average total loans | $78,974,000 | 3,971 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7239% | 5,054 |
| Cost of funding earning assets | 0.3780% | 4,861 |
| Net interest margin | 3.3460% | 4,494 |
| Noninterest income to average assets | 0.6207% | 2,970 |
| Noninterest expense to average assets | 3.0853% | 2,781 |
| Loan and lease loss provision to assets | 0.1000% | 3,132 |
| Net operating income to assets | 0.5197% | 4,652 |
| Return on assets (ROA) | 0.5272% | 4,732 |
| Pretax return on assets | 0.5594% | 5,007 |
| Return on Equity (ROE) | 5.7704% | 4,228 |
| Retained earnings to average equity (ytd only) | 2.0780% | 4,757 |
| Net charge-offs to loans | 0.0577% | 4,416 |
| Credit loss provision to net charge-offs | 318.6047% | 726 |
| Earnings coverage of net charge-offs (x) | 20.7442% | 1,529 |
| Efficiency ratio | 82.5679% | 1,803 |
| Assets per employee ($millions) | 3.1544% | 5,582 |
| Cash dividends to net income (ytd only)* | 63.9889% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 5,783 |
| Loan loss allowance to noncurrent loans | 412.2222% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 5,192 |
| Noncurrent loans to loans | 0.2286% | 5,501 |
| Net loans and leases to total assets | 56.2045% | 4,287 |
| Net loans and leases to deposits | 63.5796% | 4,547 |
| Net loans and leases to core deposits | 64.3538% | 4,836 |
| Total domestic deposits to total assets | 88.4002% | 1,950 |
| Equity capital to assets | 8.6826% | 5,393 |
| Core capital (leverage) ratio | 9.2715% | 4,602 |
| Tier 1 risk-based capital ratio | 14.6944% | 3,845 |
| Total risk-based capital ratio | 15.5580% | 4,020 |
| Memoranda: | ||
| Average total assets | $136,940,200 | 3,938 |
| Average earning assets | $127,526,200 | 3,894 |
| Average equity | $12,512,200 | 4,352 |
| Average total loans | $74,484,800 | 4,108 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 5,145 |
| Cost of funding earning assets | 0.3894% | 4,906 |
| Net interest margin | 3.3196% | 4,572 |
| Noninterest income to average assets | 0.6008% | 3,143 |
| Noninterest expense to average assets | 2.9768% | 3,063 |
| Loan and lease loss provision to assets | 0.0830% | 3,408 |
| Net operating income to assets | 0.5620% | 4,519 |
| Return on assets (ROA) | 0.5715% | 4,614 |
| Pretax return on assets | 0.6419% | 4,879 |
| Return on Equity (ROE) | 6.1768% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.6670% | 3,347 |
| Net charge-offs to loans | 0.0726% | 3,901 |
| Credit loss provision to net charge-offs | 212.5000% | 1,139 |
| Earnings coverage of net charge-offs (x) | 18.2756% | 1,691 |
| Efficiency ratio | 80.6511% | 2,016 |
| Assets per employee ($millions) | 3.0257% | 5,802 |
| Cash dividends to net income (ytd only)* | 24.4442% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 5,997 |
| Loan loss allowance to noncurrent loans | 398.2759% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 5,423 |
| Noncurrent loans to loans | 0.2314% | 5,652 |
| Net loans and leases to total assets | 54.7134% | 4,498 |
| Net loans and leases to deposits | 62.5914% | 4,683 |
| Net loans and leases to core deposits | 63.3752% | 4,966 |
| Total domestic deposits to total assets | 87.4136% | 2,455 |
| Equity capital to assets | 9.0448% | 5,136 |
| Core capital (leverage) ratio | 9.5151% | 4,375 |
| Tier 1 risk-based capital ratio | 15.5588% | 3,446 |
| Total risk-based capital ratio | 16.4005% | 3,615 |
| Memoranda: | ||
| Average total assets | $136,476,500 | 3,987 |
| Average earning assets | $127,039,500 | 3,938 |
| Average equity | $12,627,500 | 4,374 |
| Average total loans | $73,418,250 | 4,183 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 5,237 |
| Cost of funding earning assets | 0.4060% | 4,883 |
| Net interest margin | 3.2650% | 4,711 |
| Noninterest income to average assets | 0.5887% | 3,264 |
| Noninterest expense to average assets | 2.9184% | 3,276 |
| Loan and lease loss provision to assets | 0.0805% | 3,447 |
| Net operating income to assets | 0.5540% | 4,537 |
| Return on assets (ROA) | 0.5681% | 4,633 |
| Pretax return on assets | 0.6443% | 4,862 |
| Return on Equity (ROE) | 6.0950% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.8487% | 3,850 |
| Net charge-offs to loans | 0.0906% | 3,458 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,809 |
| Efficiency ratio | 80.4602% | 2,094 |
| Assets per employee ($millions) | 3.0317% | 5,795 |
| Cash dividends to net income (ytd only)* | 36.8557% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 6,091 |
| Loan loss allowance to noncurrent loans | 146.9298% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 5,476 |
| Noncurrent loans to loans | 0.6219% | 4,699 |
| Net loans and leases to total assets | 53.2501% | 4,704 |
| Net loans and leases to deposits | 60.5733% | 4,910 |
| Net loans and leases to core deposits | 61.3255% | 5,150 |
| Total domestic deposits to total assets | 87.9101% | 2,311 |
| Equity capital to assets | 8.9468% | 5,269 |
| Core capital (leverage) ratio | 9.3483% | 4,474 |
| Tier 1 risk-based capital ratio | 15.9185% | 3,244 |
| Total risk-based capital ratio | 16.7605% | 3,429 |
| Memoranda: | ||
| Average total assets | $136,583,670 | 4,008 |
| Average earning assets | $127,106,670 | 3,964 |
| Average equity | $12,731,670 | 4,391 |
| Average total loans | $72,828,330 | 4,217 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 5,021 |
| Cost of funding earning assets | 0.4494% | 4,600 |
| Net interest margin | 3.2903% | 4,551 |
| Noninterest income to average assets | 0.5649% | 3,346 |
| Noninterest expense to average assets | 2.8655% | 3,482 |
| Loan and lease loss provision to assets | 0.1024% | 2,965 |
| Net operating income to assets | 0.5694% | 4,365 |
| Return on assets (ROA) | 0.5971% | 4,377 |
| Pretax return on assets | 0.6937% | 4,604 |
| Return on Equity (ROE) | 6.2796% | 3,897 |
| Retained earnings to average equity (ytd only) | 5.7871% | 2,793 |
| Net charge-offs to loans | 0.1378% | 2,579 |
| Credit loss provision to net charge-offs | 140.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 10.4400% | 1,742 |
| Efficiency ratio | 78.9516% | 2,469 |
| Assets per employee ($millions) | 3.0033% | 5,979 |
| Cash dividends to net income (ytd only)* | 7.8431% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 6,275 |
| Loan loss allowance to noncurrent loans | 151.9630% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 5,640 |
| Noncurrent loans to loans | 0.5879% | 4,970 |
| Net loans and leases to total assets | 52.8404% | 4,578 |
| Net loans and leases to deposits | 60.2198% | 4,767 |
| Net loans and leases to core deposits | 60.9570% | 5,062 |
| Total domestic deposits to total assets | 87.7459% | 2,490 |
| Equity capital to assets | 9.4477% | 4,927 |
| Core capital (leverage) ratio | 9.5569% | 3,991 |
| Tier 1 risk-based capital ratio | 16.2648% | 3,123 |
| Total risk-based capital ratio | 17.1124% | 3,307 |
| Memoranda: | ||
| Average total assets | $136,661,500 | 4,047 |
| Average earning assets | $127,282,500 | 3,996 |
| Average equity | $12,994,500 | 4,385 |
| Average total loans | $72,583,500 | 4,248 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 5,149 |
| Cost of funding earning assets | 0.5846% | 4,493 |
| Net interest margin | 3.4637% | 4,655 |
| Noninterest income to average assets | 0.6612% | 2,929 |
| Noninterest expense to average assets | 3.2878% | 2,380 |
| Loan and lease loss provision to assets | 0.0119% | 5,766 |
| Net operating income to assets | 0.5189% | 4,608 |
| Return on assets (ROA) | 0.5416% | 4,767 |
| Pretax return on assets | 0.6248% | 4,911 |
| Return on Equity (ROE) | 5.3243% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.5142% | 4,458 |
| Net charge-offs to loans | 0.1105% | 4,570 |
| Credit loss provision to net charge-offs | 19.2308% | 5,301 |
| Earnings coverage of net charge-offs (x) | 9.8846% | 2,206 |
| Efficiency ratio | 84.3388% | 1,587 |
| Assets per employee ($millions) | 2.9385% | 6,098 |
| Cash dividends to net income (ytd only)* | 52.7778% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 6,253 |
| Loan loss allowance to noncurrent loans | 165.3061% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 5,812 |
| Noncurrent loans to loans | 0.5482% | 5,157 |
| Net loans and leases to total assets | 52.4232% | 4,856 |
| Net loans and leases to deposits | 59.7427% | 5,052 |
| Net loans and leases to core deposits | 60.4898% | 5,321 |
| Total domestic deposits to total assets | 87.7483% | 2,379 |
| Equity capital to assets | 9.5707% | 4,794 |
| Core capital (leverage) ratio | 9.4031% | 4,251 |
| Tier 1 risk-based capital ratio | 16.4676% | 2,911 |
| Total risk-based capital ratio | 17.3229% | 3,076 |
| Memoranda: | ||
| Average total assets | $126,284,600 | 4,224 |
| Average earning assets | $118,025,200 | 4,159 |
| Average equity | $12,846,800 | 4,391 |
| Average total loans | $70,570,200 | 4,342 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 5,260 |
| Cost of funding earning assets | 0.5978% | 4,677 |
| Net interest margin | 3.4834% | 4,704 |
| Noninterest income to average assets | 0.6276% | 3,120 |
| Noninterest expense to average assets | 3.2789% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5207% | 4,757 |
| Return on assets (ROA) | 0.5502% | 4,880 |
| Pretax return on assets | 0.6394% | 5,052 |
| Return on Equity (ROE) | 5.3231% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.9592% | 3,391 |
| Net charge-offs to loans | 0.0171% | 5,442 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 62.5542% | 631 |
| Efficiency ratio | 84.4217% | 1,544 |
| Assets per employee ($millions) | 2.9667% | 6,099 |
| Cash dividends to net income (ytd only)* | 6.8366% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 6,089 |
| Loan loss allowance to noncurrent loans | 93.3511% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 5,228 |
| Noncurrent loans to loans | 1.0702% | 4,302 |
| Net loans and leases to total assets | 53.2942% | 4,859 |
| Net loans and leases to deposits | 61.7468% | 4,995 |
| Net loans and leases to core deposits | 62.5574% | 5,304 |
| Total domestic deposits to total assets | 86.3108% | 3,082 |
| Equity capital to assets | 10.0549% | 4,415 |
| Core capital (leverage) ratio | 9.8637% | 3,742 |
| Tier 1 risk-based capital ratio | 17.0758% | 2,704 |
| Total risk-based capital ratio | 18.0205% | 2,816 |
| Memoranda: | ||
| Average total assets | $124,062,500 | 4,311 |
| Average earning assets | $115,976,750 | 4,245 |
| Average equity | $12,824,250 | 4,435 |
| Average total loans | $70,335,250 | 4,388 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 5,158 |
| Cost of funding earning assets | 0.6028% | 4,880 |
| Net interest margin | 3.5402% | 4,507 |
| Noninterest income to average assets | 0.6070% | 3,217 |
| Noninterest expense to average assets | 3.3075% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5291% | 4,681 |
| Return on assets (ROA) | 0.5709% | 4,767 |
| Pretax return on assets | 0.6727% | 4,902 |
| Return on Equity (ROE) | 5.4700% | 4,597 |
| Retained earnings to average equity (ytd only) | 5.0613% | 3,249 |
| Net charge-offs to loans | 0.0199% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 54.2857% | 684 |
| Efficiency ratio | 84.1402% | 1,615 |
| Assets per employee ($millions) | 2.7624% | 6,458 |
| Cash dividends to net income (ytd only)* | 7.4713% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 6,129 |
| Loan loss allowance to noncurrent loans | 91.7862% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 5,264 |
| Noncurrent loans to loans | 1.0965% | 4,333 |
| Net loans and leases to total assets | 54.4959% | 4,708 |
| Net loans and leases to deposits | 62.9102% | 4,889 |
| Net loans and leases to core deposits | 63.7558% | 5,235 |
| Total domestic deposits to total assets | 86.6249% | 2,995 |
| Equity capital to assets | 10.1344% | 4,143 |
| Core capital (leverage) ratio | 10.2963% | 3,052 |
| Tier 1 risk-based capital ratio | 17.2447% | 2,568 |
| Total risk-based capital ratio | 18.2133% | 2,645 |
| Memoranda: | ||
| Average total assets | $121,905,330 | 4,376 |
| Average earning assets | $114,458,330 | 4,298 |
| Average equity | $12,724,000 | 4,452 |
| Average total loans | $70,357,330 | 4,408 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 5,092 |
| Cost of funding earning assets | 0.6167% | 4,992 |
| Net interest margin | 3.5863% | 4,322 |
| Noninterest income to average assets | 0.5732% | 3,398 |
| Noninterest expense to average assets | 3.4428% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4599% | 4,992 |
| Return on assets (ROA) | 0.4660% | 5,169 |
| Pretax return on assets | 0.5095% | 5,401 |
| Return on Equity (ROE) | 4.3963% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.5740% | 4,431 |
| Net charge-offs to loans | 0.0510% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,345 |
| Efficiency ratio | 87.2557% | 1,360 |
| Assets per employee ($millions) | 2.7061% | 6,632 |
| Cash dividends to net income (ytd only)* | 18.7050% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,208 |
| Loan loss allowance to noncurrent loans | 61.9048% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 4,659 |
| Noncurrent loans to loans | 1.6296% | 3,667 |
| Net loans and leases to total assets | 56.5691% | 4,280 |
| Net loans and leases to deposits | 66.1034% | 4,363 |
| Net loans and leases to core deposits | 67.3014% | 4,757 |
| Total domestic deposits to total assets | 85.5767% | 3,752 |
| Equity capital to assets | 10.4110% | 3,605 |
| Core capital (leverage) ratio | 10.3582% | 2,918 |
| Tier 1 risk-based capital ratio | 17.4922% | 2,481 |
| Total risk-based capital ratio | 18.4885% | 2,554 |
| Memoranda: | ||
| Average total assets | $119,322,000 | 4,464 |
| Average earning assets | $112,205,000 | 4,373 |
| Average equity | $12,647,000 | 4,475 |
| Average total loans | $70,559,500 | 4,429 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 4,474 |
| Cost of funding earning assets | 0.7310% | 5,333 |
| Net interest margin | 3.9138% | 3,275 |
| Noninterest income to average assets | 0.6555% | 2,853 |
| Noninterest expense to average assets | 3.5505% | 1,862 |
| Loan and lease loss provision to assets | 0.0707% | 5,734 |
| Net operating income to assets | 0.6126% | 3,933 |
| Return on assets (ROA) | 0.6272% | 4,047 |
| Pretax return on assets | 0.7218% | 4,246 |
| Return on Equity (ROE) | 5.7222% | 4,016 |
| Retained earnings to average equity (ytd only) | 3.0787% | 4,037 |
| Net charge-offs to loans | 0.1075% | 5,285 |
| Credit loss provision to net charge-offs | 102.5641% | 3,370 |
| Earnings coverage of net charge-offs (x) | 11.2564% | 1,740 |
| Efficiency ratio | 82.0707% | 2,007 |
| Assets per employee ($millions) | 2.5406% | 6,795 |
| Cash dividends to net income (ytd only)* | 46.1972% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,251 |
| Loan loss allowance to noncurrent loans | 40.1695% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 1.6942% | 3,410 |
| Noncurrent loans to loans | 2.4745% | 2,658 |
| Net loans and leases to total assets | 60.5969% | 3,874 |
| Net loans and leases to deposits | 70.9702% | 3,954 |
| Net loans and leases to core deposits | 72.3137% | 4,469 |
| Total domestic deposits to total assets | 85.3836% | 3,652 |
| Equity capital to assets | 10.7950% | 3,199 |
| Core capital (leverage) ratio | 10.3947% | 2,849 |
| Tier 1 risk-based capital ratio | 16.8765% | 2,655 |
| Total risk-based capital ratio | 17.8591% | 2,744 |
| Memoranda: | ||
| Average total assets | $113,195,600 | 4,567 |
| Average earning assets | $106,161,800 | 4,501 |
| Average equity | $12,407,800 | 4,457 |
| Average total loans | $72,570,000 | 4,394 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 4,310 |
| Cost of funding earning assets | 0.7476% | 5,481 |
| Net interest margin | 3.9849% | 2,976 |
| Noninterest income to average assets | 0.6460% | 2,908 |
| Noninterest expense to average assets | 3.5910% | 1,725 |
| Loan and lease loss provision to assets | 0.0950% | 5,275 |
| Net operating income to assets | 0.5927% | 4,120 |
| Return on assets (ROA) | 0.6068% | 4,241 |
| Pretax return on assets | 0.7113% | 4,430 |
| Return on Equity (ROE) | 5.5142% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.5142% | 2,855 |
| Net charge-offs to loans | 0.1153% | 4,863 |
| Credit loss provision to net charge-offs | 126.9841% | 2,525 |
| Earnings coverage of net charge-offs (x) | 10.5552% | 1,907 |
| Efficiency ratio | 81.9734% | 1,977 |
| Assets per employee ($millions) | 2.5967% | 6,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 6,306 |
| Loan loss allowance to noncurrent loans | 216.7164% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 5,904 |
| Noncurrent loans to loans | 0.4586% | 5,934 |
| Net loans and leases to total assets | 61.8949% | 3,752 |
| Net loans and leases to deposits | 72.9137% | 3,818 |
| Net loans and leases to core deposits | 74.2971% | 4,406 |
| Total domestic deposits to total assets | 84.8879% | 3,821 |
| Equity capital to assets | 10.9180% | 3,222 |
| Core capital (leverage) ratio | 10.9656% | 2,422 |
| Tier 1 risk-based capital ratio | 16.3602% | 2,934 |
| Total risk-based capital ratio | 17.3227% | 3,040 |
| Memoranda: | ||
| Average total assets | $112,277,250 | 4,614 |
| Average earning assets | $105,228,500 | 4,544 |
| Average equity | $12,355,750 | 4,480 |
| Average total loans | $72,830,000 | 4,428 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 4,014 |
| Cost of funding earning assets | 0.7671% | 5,580 |
| Net interest margin | 4.0513% | 2,605 |
| Noninterest income to average assets | 0.6357% | 2,920 |
| Noninterest expense to average assets | 3.6261% | 1,688 |
| Loan and lease loss provision to assets | 0.0722% | 5,406 |
| Net operating income to assets | 0.6315% | 3,906 |
| Return on assets (ROA) | 0.6501% | 3,922 |
| Pretax return on assets | 0.7548% | 4,197 |
| Return on Equity (ROE) | 5.8912% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.8912% | 2,494 |
| Net charge-offs to loans | 0.0825% | 4,819 |
| Credit loss provision to net charge-offs | 133.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 14.8667% | 1,451 |
| Efficiency ratio | 81.8256% | 2,125 |
| Assets per employee ($millions) | 2.4766% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 6,366 |
| Loan loss allowance to noncurrent loans | 226.8139% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 6,418 |
| Noncurrent loans to loans | 0.4377% | 6,029 |
| Net loans and leases to total assets | 64.3364% | 3,391 |
| Net loans and leases to deposits | 75.9794% | 3,477 |
| Net loans and leases to core deposits | 77.4945% | 4,118 |
| Total domestic deposits to total assets | 84.6761% | 4,035 |
| Equity capital to assets | 11.2098% | 2,759 |
| Core capital (leverage) ratio | 10.9357% | 2,307 |
| Tier 1 risk-based capital ratio | 16.2918% | 2,836 |
| Total risk-based capital ratio | 17.2527% | 2,941 |
| Memoranda: | ||
| Average total assets | $110,752,000 | 4,683 |
| Average earning assets | $103,769,670 | 4,608 |
| Average equity | $12,221,670 | 4,501 |
| Average total loans | $72,756,000 | 4,477 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 4,016 |
| Cost of funding earning assets | 0.7738% | 5,723 |
| Net interest margin | 4.0353% | 2,542 |
| Noninterest income to average assets | 0.5833% | 3,285 |
| Noninterest expense to average assets | 3.7897% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5435% | 4,300 |
| Return on assets (ROA) | 0.5435% | 4,381 |
| Pretax return on assets | 0.5724% | 4,791 |
| Return on Equity (ROE) | 4.9644% | 4,427 |
| Retained earnings to average equity (ytd only) | 4.9644% | 3,220 |
| Net charge-offs to loans | 0.0549% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,298 |
| Efficiency ratio | 86.8771% | 1,618 |
| Assets per employee ($millions) | 2.3828% | 7,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 6,518 |
| Loan loss allowance to noncurrent loans | 49.6802% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 4,435 |
| Noncurrent loans to loans | 1.9276% | 3,664 |
| Net loans and leases to total assets | 64.5510% | 3,342 |
| Net loans and leases to deposits | 75.3976% | 3,516 |
| Net loans and leases to core deposits | 76.5440% | 4,230 |
| Total domestic deposits to total assets | 85.6142% | 3,727 |
| Equity capital to assets | 10.8829% | 2,795 |
| Core capital (leverage) ratio | 10.8459% | 2,314 |
| Tier 1 risk-based capital ratio | 15.9066% | 2,948 |
| Total risk-based capital ratio | 16.8346% | 3,072 |
| Memoranda: | ||
| Average total assets | $110,404,500 | 4,725 |
| Average earning assets | $103,386,500 | 4,649 |
| Average equity | $12,086,000 | 4,527 |
| Average total loans | $72,924,000 | 4,518 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1343% | 3,933 |
| Cost of funding earning assets | 1.0129% | 5,624 |
| Net interest margin | 4.1214% | 2,473 |
| Noninterest income to average assets | 0.6898% | 2,903 |
| Noninterest expense to average assets | 3.8277% | 1,434 |
| Loan and lease loss provision to assets | 0.0748% | 6,401 |
| Net operating income to assets | 0.6016% | 3,657 |
| Return on assets (ROA) | 0.6094% | 3,795 |
| Pretax return on assets | 0.6524% | 4,158 |
| Return on Equity (ROE) | 5.4077% | 3,893 |
| Retained earnings to average equity (ytd only) | 2.6790% | 3,980 |
| Net charge-offs to loans | 0.0929% | 5,921 |
| Credit loss provision to net charge-offs | 121.2121% | 3,470 |
| Earnings coverage of net charge-offs (x) | 11.6515% | 1,585 |
| Efficiency ratio | 84.1900% | 1,895 |
| Assets per employee ($millions) | 2.3153% | 7,206 |
| Cash dividends to net income (ytd only)* | 50.4601% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 6,478 |
| Loan loss allowance to noncurrent loans | 56.9936% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 4,696 |
| Noncurrent loans to loans | 1.7075% | 3,942 |
| Net loans and leases to total assets | 66.3021% | 3,404 |
| Net loans and leases to deposits | 77.6628% | 3,565 |
| Net loans and leases to core deposits | 78.8813% | 4,362 |
| Total domestic deposits to total assets | 85.3718% | 3,682 |
| Equity capital to assets | 11.0130% | 2,671 |
| Core capital (leverage) ratio | 10.8140% | 2,299 |
| Tier 1 risk-based capital ratio | 16.1610% | 2,667 |
| Total risk-based capital ratio | 17.1295% | 2,764 |
| Memoranda: | ||
| Average total assets | $106,982,000 | 4,804 |
| Average earning assets | $100,111,000 | 4,726 |
| Average equity | $12,056,800 | 4,587 |
| Average total loans | $71,019,000 | 4,645 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1624% | 4,022 |
| Cost of funding earning assets | 1.0370% | 5,762 |
| Net interest margin | 4.1253% | 2,514 |
| Noninterest income to average assets | 0.6859% | 2,902 |
| Noninterest expense to average assets | 3.8413% | 1,294 |
| Loan and lease loss provision to assets | 0.0563% | 6,507 |
| Net operating income to assets | 0.5929% | 3,907 |
| Return on assets (ROA) | 0.6033% | 4,023 |
| Pretax return on assets | 0.6584% | 4,393 |
| Return on Equity (ROE) | 5.3222% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.3111% | 2,763 |
| Net charge-offs to loans | 0.1096% | 5,439 |
| Credit loss provision to net charge-offs | 77.5862% | 5,208 |
| Earnings coverage of net charge-offs (x) | 9.6898% | 1,986 |
| Efficiency ratio | 84.5222% | 1,782 |
| Assets per employee ($millions) | 2.3275% | 7,280 |
| Cash dividends to net income (ytd only)* | 0.2070% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,537 |
| Loan loss allowance to noncurrent loans | 69.5209% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9278% | 5,244 |
| Noncurrent loans to loans | 1.3831% | 4,549 |
| Net loans and leases to total assets | 64.2147% | 4,083 |
| Net loans and leases to deposits | 75.3319% | 4,294 |
| Net loans and leases to core deposits | 76.5010% | 4,993 |
| Total domestic deposits to total assets | 85.2423% | 3,497 |
| Equity capital to assets | 11.3653% | 2,641 |
| Core capital (leverage) ratio | 11.0581% | 2,221 |
| Tier 1 risk-based capital ratio | 16.7127% | 2,458 |
| Total risk-based capital ratio | 17.6635% | 2,542 |
| Memoranda: | ||
| Average total assets | $106,523,250 | 4,872 |
| Average earning assets | $99,642,000 | 4,792 |
| Average equity | $12,075,000 | 4,655 |
| Average total loans | $70,559,500 | 4,733 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 4,143 |
| Cost of funding earning assets | 1.0449% | 5,940 |
| Net interest margin | 4.1148% | 2,485 |
| Noninterest income to average assets | 0.6991% | 2,710 |
| Noninterest expense to average assets | 3.8402% | 1,287 |
| Loan and lease loss provision to assets | 0.0379% | 6,580 |
| Net operating income to assets | 0.6111% | 3,834 |
| Return on assets (ROA) | 0.6214% | 3,910 |
| Pretax return on assets | 0.6820% | 4,301 |
| Return on Equity (ROE) | 5.4869% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.4702% | 2,629 |
| Net charge-offs to loans | 0.1022% | 5,128 |
| Credit loss provision to net charge-offs | 55.5556% | 5,306 |
| Earnings coverage of net charge-offs (x) | 10.3889% | 1,895 |
| Efficiency ratio | 84.4232% | 1,871 |
| Assets per employee ($millions) | 2.1971% | 7,433 |
| Cash dividends to net income (ytd only)* | 0.3049% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 6,553 |
| Loan loss allowance to noncurrent loans | 71.7759% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 5,298 |
| Noncurrent loans to loans | 1.3425% | 4,705 |
| Net loans and leases to total assets | 64.8222% | 4,078 |
| Net loans and leases to deposits | 75.8887% | 4,358 |
| Net loans and leases to core deposits | 77.0824% | 5,073 |
| Total domestic deposits to total assets | 85.4174% | 3,408 |
| Equity capital to assets | 11.2962% | 2,601 |
| Core capital (leverage) ratio | 11.1244% | 2,150 |
| Tier 1 risk-based capital ratio | 16.7154% | 2,396 |
| Total risk-based capital ratio | 17.6745% | 2,449 |
| Memoranda: | ||
| Average total assets | $105,566,330 | 4,926 |
| Average earning assets | $98,765,000 | 4,852 |
| Average equity | $11,955,670 | 4,688 |
| Average total loans | $70,436,330 | 4,780 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2357% | 3,851 |
| Cost of funding earning assets | 1.0553% | 6,112 |
| Net interest margin | 4.1804% | 2,121 |
| Noninterest income to average assets | 0.6621% | 2,869 |
| Noninterest expense to average assets | 3.9724% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5166% | 4,306 |
| Return on assets (ROA) | 0.5166% | 4,451 |
| Pretax return on assets | 0.6008% | 4,601 |
| Return on Equity (ROE) | 4.5558% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.5221% | 3,441 |
| Net charge-offs to loans | 0.1590% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 5.6071% | 2,363 |
| Efficiency ratio | 86.8619% | 1,701 |
| Assets per employee ($millions) | 2.1741% | 7,561 |
| Cash dividends to net income (ytd only)* | 0.7407% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 6,713 |
| Loan loss allowance to noncurrent loans | 61.0247% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 4,903 |
| Noncurrent loans to loans | 1.5384% | 4,442 |
| Net loans and leases to total assets | 66.0675% | 3,835 |
| Net loans and leases to deposits | 77.0176% | 4,219 |
| Net loans and leases to core deposits | 78.1837% | 5,001 |
| Total domestic deposits to total assets | 85.7823% | 3,268 |
| Equity capital to assets | 11.2270% | 2,557 |
| Core capital (leverage) ratio | 11.1349% | 2,138 |
| Tier 1 risk-based capital ratio | 16.2804% | 2,533 |
| Total risk-based capital ratio | 17.2133% | 2,618 |
| Memoranda: | ||
| Average total assets | $104,521,500 | 5,022 |
| Average earning assets | $97,790,000 | 4,934 |
| Average equity | $11,853,000 | 4,748 |
| Average total loans | $70,422,500 | 4,837 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4552% | 4,411 |
| Cost of funding earning assets | 1.2683% | 6,414 |
| Net interest margin | 4.1868% | 2,117 |
| Noninterest income to average assets | 0.7281% | 2,796 |
| Noninterest expense to average assets | 3.8326% | 1,629 |
| Loan and lease loss provision to assets | 0.0751% | 6,838 |
| Net operating income to assets | 0.6628% | 3,088 |
| Return on assets (ROA) | 0.6637% | 3,135 |
| Pretax return on assets | 0.7486% | 3,410 |
| Return on Equity (ROE) | 5.9435% | 3,236 |
| Retained earnings to average equity (ytd only) | 2.8844% | 3,159 |
| Net charge-offs to loans | 0.0575% | 6,518 |
| Credit loss provision to net charge-offs | 197.4359% | 1,997 |
| Earnings coverage of net charge-offs (x) | 21.6154% | 993 |
| Efficiency ratio | 82.3270% | 2,561 |
| Assets per employee ($millions) | 2.1357% | 7,627 |
| Cash dividends to net income (ytd only)* | 51.4706% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 6,419 |
| Loan loss allowance to noncurrent loans | 65.6900% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 4,846 |
| Noncurrent loans to loans | 1.5158% | 4,384 |
| Net loans and leases to total assets | 67.4074% | 3,832 |
| Net loans and leases to deposits | 79.3902% | 4,104 |
| Net loans and leases to core deposits | 89.0983% | 5,215 |
| Total domestic deposits to total assets | 84.9065% | 3,596 |
| Equity capital to assets | 11.4579% | 2,346 |
| Core capital (leverage) ratio | 11.2897% | 2,050 |
| Tier 1 risk-based capital ratio | 16.5769% | 2,280 |
| Total risk-based capital ratio | 17.5781% | 2,334 |
| Memoranda: | ||
| Average total assets | $102,462,200 | 5,027 |
| Average earning assets | $96,111,000 | 4,943 |
| Average equity | $11,441,000 | 4,897 |
| Average total loans | $67,834,800 | 4,945 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 4,609 |
| Cost of funding earning assets | 1.3113% | 6,523 |
| Net interest margin | 4.1529% | 2,203 |
| Noninterest income to average assets | 0.7093% | 2,956 |
| Noninterest expense to average assets | 3.7377% | 1,729 |
| Loan and lease loss provision to assets | 0.0534% | 6,844 |
| Net operating income to assets | 0.7158% | 3,152 |
| Return on assets (ROA) | 0.7158% | 3,221 |
| Pretax return on assets | 0.8173% | 3,486 |
| Return on Equity (ROE) | 6.4526% | 3,319 |
| Retained earnings to average equity (ytd only) | 6.1240% | 1,889 |
| Net charge-offs to loans | 0.0535% | 6,176 |
| Credit loss provision to net charge-offs | 151.8519% | 3,153 |
| Earnings coverage of net charge-offs (x) | 24.7772% | 1,082 |
| Efficiency ratio | 81.1070% | 2,699 |
| Assets per employee ($millions) | 2.1295% | 7,687 |
| Cash dividends to net income (ytd only)* | 5.0905% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 6,506 |
| Loan loss allowance to noncurrent loans | 69.1040% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9500% | 5,163 |
| Noncurrent loans to loans | 1.3841% | 4,598 |
| Net loans and leases to total assets | 67.9799% | 3,965 |
| Net loans and leases to deposits | 81.1352% | 4,178 |
| Net loans and leases to core deposits | 90.8336% | 5,356 |
| Total domestic deposits to total assets | 83.7860% | 3,823 |
| Equity capital to assets | 11.5855% | 2,515 |
| Core capital (leverage) ratio | 11.2742% | 2,202 |
| Tier 1 risk-based capital ratio | 16.5603% | 2,404 |
| Total risk-based capital ratio | 17.5230% | 2,466 |
| Memoranda: | ||
| Average total assets | $102,449,250 | 5,060 |
| Average earning assets | $96,187,250 | 4,977 |
| Average equity | $11,364,750 | 4,958 |
| Average total loans | $67,344,250 | 5,009 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 4,707 |
| Cost of funding earning assets | 1.3682% | 6,591 |
| Net interest margin | 4.1193% | 2,255 |
| Noninterest income to average assets | 0.6808% | 3,109 |
| Noninterest expense to average assets | 3.6654% | 1,906 |
| Loan and lease loss provision to assets | 0.0293% | 6,952 |
| Net operating income to assets | 0.7315% | 3,131 |
| Return on assets (ROA) | 0.7315% | 3,235 |
| Pretax return on assets | 0.8505% | 3,508 |
| Return on Equity (ROE) | 6.6930% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.1933% | 1,932 |
| Net charge-offs to loans | 0.0723% | 5,493 |
| Credit loss provision to net charge-offs | 62.5000% | 5,550 |
| Earnings coverage of net charge-offs (x) | 18.7917% | 1,392 |
| Efficiency ratio | 80.6438% | 2,946 |
| Assets per employee ($millions) | 2.1439% | 7,736 |
| Cash dividends to net income (ytd only)* | 7.4667% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 6,562 |
| Loan loss allowance to noncurrent loans | 71.0526% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 5,165 |
| Noncurrent loans to loans | 1.3363% | 4,543 |
| Net loans and leases to total assets | 65.6936% | 4,628 |
| Net loans and leases to deposits | 78.8233% | 4,728 |
| Net loans and leases to core deposits | 88.1256% | 5,711 |
| Total domestic deposits to total assets | 83.3429% | 4,092 |
| Equity capital to assets | 11.0344% | 2,891 |
| Core capital (leverage) ratio | 10.9820% | 2,412 |
| Tier 1 risk-based capital ratio | 16.4387% | 2,464 |
| Total risk-based capital ratio | 17.3758% | 2,530 |
| Memoranda: | ||
| Average total assets | $102,527,670 | 5,087 |
| Average earning assets | $96,182,330 | 5,002 |
| Average equity | $11,205,670 | 5,031 |
| Average total loans | $66,407,000 | 5,090 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5145% | 4,829 |
| Cost of funding earning assets | 1.3755% | 6,797 |
| Net interest margin | 4.1390% | 2,131 |
| Noninterest income to average assets | 0.6566% | 3,162 |
| Noninterest expense to average assets | 3.7718% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6215% | 3,931 |
| Return on assets (ROA) | 0.6215% | 4,114 |
| Pretax return on assets | 0.7661% | 4,205 |
| Return on Equity (ROE) | 5.7138% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.7138% | 2,772 |
| Net charge-offs to loans | 0.0489% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,239 |
| Efficiency ratio | 83.1180% | 2,399 |
| Assets per employee ($millions) | 2.1556% | 7,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 6,200 |
| Loan loss allowance to noncurrent loans | 336.2694% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 6,977 |
| Noncurrent loans to loans | 0.2967% | 6,702 |
| Net loans and leases to total assets | 62.2406% | 5,280 |
| Net loans and leases to deposits | 75.6271% | 5,272 |
| Net loans and leases to core deposits | 84.4637% | 6,027 |
| Total domestic deposits to total assets | 82.2994% | 4,438 |
| Equity capital to assets | 10.8968% | 3,076 |
| Core capital (leverage) ratio | 11.0173% | 2,486 |
| Tier 1 risk-based capital ratio | 16.7906% | 2,411 |
| Total risk-based capital ratio | 17.7654% | 2,447 |
| Memoranda: | ||
| Average total assets | $102,339,000 | 5,116 |
| Average earning assets | $95,965,500 | 5,024 |
| Average equity | $11,131,000 | 5,068 |
| Average total loans | $65,485,500 | 5,151 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1684% | 4,677 |
| Cost of funding earning assets | 2.0537% | 6,221 |
| Net interest margin | 4.1147% | 2,646 |
| Noninterest income to average assets | 0.8032% | 2,500 |
| Noninterest expense to average assets | 3.7540% | 1,844 |
| Loan and lease loss provision to assets | 0.0195% | 7,143 |
| Net operating income to assets | 0.6861% | 3,951 |
| Return on assets (ROA) | 0.7000% | 3,728 |
| Pretax return on assets | 0.8879% | 3,761 |
| Return on Equity (ROE) | 6.5737% | 3,720 |
| Retained earnings to average equity (ytd only) | 3.0994% | 3,228 |
| Net charge-offs to loans | 0.0767% | 5,662 |
| Credit loss provision to net charge-offs | 41.6667% | 6,438 |
| Earnings coverage of net charge-offs (x) | 19.0417% | 1,664 |
| Efficiency ratio | 80.8386% | 2,480 |
| Assets per employee ($millions) | 2.1085% | 7,818 |
| Cash dividends to net income (ytd only)* | 52.8512% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 6,089 |
| Loan loss allowance to noncurrent loans | 381.9767% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 6,889 |
| Noncurrent loans to loans | 0.2609% | 6,595 |
| Net loans and leases to total assets | 64.4857% | 5,175 |
| Net loans and leases to deposits | 78.0492% | 5,333 |
| Net loans and leases to core deposits | 87.1686% | 6,048 |
| Total domestic deposits to total assets | 82.6218% | 3,939 |
| Equity capital to assets | 10.8560% | 3,161 |
| Core capital (leverage) ratio | 10.9368% | 2,637 |
| Tier 1 risk-based capital ratio | 16.3533% | 2,533 |
| Total risk-based capital ratio | 17.3283% | 2,581 |
| Memoranda: | ||
| Average total assets | $102,716,400 | 4,967 |
| Average earning assets | $95,875,400 | 4,926 |
| Average equity | $10,937,600 | 5,141 |
| Average total loans | $62,582,000 | 5,154 |