Home > Bank of Commerce > Performance and Condition Ratios
Bank of Commerce, Performance and Condition Ratios
| 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 | 4.3315% | 3,392 |
| Cost of funding earning assets | 1.0362% | 3,215 |
| Net interest margin | 3.2954% | 2,649 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.3331% | 2,760 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3084% | 1,420 |
| Return on assets (ROA) | 1.3139% | 1,373 |
| Pretax return on assets | 1.3538% | 1,732 |
| Return on Equity (ROE) | 14.1900% | 1,445 |
| Retained earnings to average equity (ytd only) | 7.4719% | 1,720 |
| Net charge-offs to loans | -0.0066% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.8515% | 2,745 |
| Assets per employee ($millions) | 4.7335% | 3,817 |
| Cash dividends to net income (ytd only)* | 47.3336% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,079 |
| Loan loss allowance to noncurrent loans | 2,671.8519% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 3,475 |
| Noncurrent loans to loans | 0.0463% | 3,388 |
| Net loans and leases to total assets | 62.7000% | 2,608 |
| Net loans and leases to deposits | 70.3979% | 2,860 |
| Net loans and leases to core deposits | 76.8657% | 2,920 |
| Total domestic deposits to total assets | 89.0600% | 1,051 |
| Equity capital to assets | 8.8703% | 2,773 |
| Core capital (leverage) ratio | 8.8167% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6384% | 2,011 |
| Memoranda: | ||
| Average total assets | $425,309,600 | 1,936 |
| Average earning assets | $396,555,600 | 1,919 |
| Average equity | $39,387,600 | 1,907 |
| Average total loans | $274,262,000 | 1,899 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 3,546 |
| Cost of funding earning assets | 0.9293% | 3,203 |
| Net interest margin | 3.2267% | 2,858 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.2809% | 2,849 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.1782% | 1,853 |
| Return on assets (ROA) | 1.1643% | 1,873 |
| Pretax return on assets | 1.2062% | 2,285 |
| Return on Equity (ROE) | 12.4700% | 2,010 |
| Retained earnings to average equity (ytd only) | 0.7437% | 3,998 |
| Net charge-offs to loans | 0.1679% | 511 |
| Credit loss provision to net charge-offs | 72.9412% | 1,789 |
| Earnings coverage of net charge-offs (x) | 11.9500% | 2,084 |
| Efficiency ratio | 63.6973% | 2,533 |
| Assets per employee ($millions) | 4.6469% | 3,854 |
| Cash dividends to net income (ytd only)* | 94.0368% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 1,981 |
| Loan loss allowance to noncurrent loans | 18,145.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,828 |
| Noncurrent loans to loans | 0.0070% | 3,759 |
| Net loans and leases to total assets | 63.5900% | 2,496 |
| Net loans and leases to deposits | 71.7502% | 2,726 |
| Net loans and leases to core deposits | 78.2317% | 2,727 |
| Total domestic deposits to total assets | 88.6300% | 1,368 |
| Equity capital to assets | 8.9057% | 2,478 |
| Core capital (leverage) ratio | 8.5580% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3296% | 2,146 |
| Memoranda: | ||
| Average total assets | $416,731,250 | 1,964 |
| Average earning assets | $388,828,250 | 1,953 |
| Average equity | $38,905,000 | 1,905 |
| Average total loans | $270,008,500 | 1,919 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 3,533 |
| Cost of funding earning assets | 0.8319% | 3,125 |
| Net interest margin | 3.2444% | 2,877 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.3903% | 2,524 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2823% | 1,616 |
| Return on assets (ROA) | 1.2823% | 1,605 |
| Pretax return on assets | 1.3244% | 2,005 |
| Return on Equity (ROE) | 13.5100% | 1,790 |
| Retained earnings to average equity (ytd only) | 6.3402% | 2,500 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.7087% | 2,520 |
| Assets per employee ($millions) | 4.8422% | 3,723 |
| Cash dividends to net income (ytd only)* | 53.0737% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 2,373 |
| Loan loss allowance to noncurrent loans | 15,209.0909% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,817 |
| Noncurrent loans to loans | 0.0080% | 3,742 |
| Net loans and leases to total assets | 65.3600% | 2,224 |
| Net loans and leases to deposits | 74.0093% | 2,488 |
| Net loans and leases to core deposits | 79.8019% | 2,483 |
| Total domestic deposits to total assets | 88.3200% | 1,488 |
| Equity capital to assets | 9.4221% | 2,221 |
| Core capital (leverage) ratio | 9.0760% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6167% | 1,689 |
| Memoranda: | ||
| Average total assets | $408,488,333 | 1,985 |
| Average earning assets | $382,262,000 | 1,973 |
| Average equity | $38,768,333 | 1,916 |
| Average total loans | $265,220,333 | 1,930 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 3,740 |
| Cost of funding earning assets | 0.6781% | 3,129 |
| Net interest margin | 3.1911% | 3,137 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.1833% | 3,140 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.4684% | 1,242 |
| Return on assets (ROA) | 1.4684% | 1,222 |
| Pretax return on assets | 1.5129% | 1,648 |
| Return on Equity (ROE) | 15.4100% | 1,475 |
| Retained earnings to average equity (ytd only) | 10.9512% | 1,476 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.5832% | 3,120 |
| Assets per employee ($millions) | 5.0907% | 3,582 |
| Cash dividends to net income (ytd only)* | 28.9562% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,577 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 64.4400% | 2,208 |
| Net loans and leases to deposits | 73.0911% | 2,376 |
| Net loans and leases to core deposits | 79.1852% | 2,309 |
| Total domestic deposits to total assets | 88.1700% | 1,865 |
| Equity capital to assets | 9.7129% | 1,986 |
| Core capital (leverage) ratio | 9.5472% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6747% | 1,447 |
| Memoranda: | ||
| Average total assets | $404,519,000 | 2,028 |
| Average earning assets | $379,305,500 | 2,000 |
| Average equity | $38,534,500 | 1,943 |
| Average total loans | $260,061,000 | 1,972 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3303% | 3,512 |
| Cost of funding earning assets | 0.2774% | 3,067 |
| Net interest margin | 3.0529% | 3,308 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.0548% | 3,431 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1454% | 1,992 |
| Return on assets (ROA) | 1.1454% | 1,933 |
| Pretax return on assets | 1.1919% | 2,466 |
| Return on Equity (ROE) | 12.6300% | 1,929 |
| Retained earnings to average equity (ytd only) | 5.4294% | 2,864 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.6949% | 2,678 |
| Assets per employee ($millions) | 5.1503% | 3,560 |
| Cash dividends to net income (ytd only)* | 57.0026% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 2,363 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.6000% | 2,371 |
| Net loans and leases to deposits | 70.7793% | 2,515 |
| Net loans and leases to core deposits | 75.5024% | 2,463 |
| Total domestic deposits to total assets | 88.4500% | 1,914 |
| Equity capital to assets | 9.3413% | 2,118 |
| Core capital (leverage) ratio | 9.3552% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1522% | 1,588 |
| Memoranda: | ||
| Average total assets | $408,942,800 | 1,997 |
| Average earning assets | $383,537,000 | 1,975 |
| Average equity | $37,094,600 | 2,033 |
| Average total loans | $252,388,400 | 1,925 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 3,292 |
| Cost of funding earning assets | 0.2081% | 3,175 |
| Net interest margin | 3.0502% | 3,076 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.0391% | 3,380 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1582% | 1,864 |
| Return on assets (ROA) | 1.1582% | 1,840 |
| Pretax return on assets | 1.2055% | 2,347 |
| Return on Equity (ROE) | 12.8600% | 1,749 |
| Retained earnings to average equity (ytd only) | 6.4628% | 2,567 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.2589% | 2,797 |
| Assets per employee ($millions) | 4.9678% | 3,699 |
| Cash dividends to net income (ytd only)* | 49.7610% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,351 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 61.8400% | 2,309 |
| Net loans and leases to deposits | 70.3623% | 2,333 |
| Net loans and leases to core deposits | 75.2674% | 2,254 |
| Total domestic deposits to total assets | 87.8800% | 2,464 |
| Equity capital to assets | 9.5061% | 1,880 |
| Core capital (leverage) ratio | 9.1830% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6291% | 1,525 |
| Memoranda: | ||
| Average total assets | $409,460,500 | 2,007 |
| Average earning assets | $384,444,750 | 1,986 |
| Average equity | $36,866,500 | 2,074 |
| Average total loans | $251,029,750 | 1,935 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1828% | 3,099 |
| Cost of funding earning assets | 0.1793% | 3,192 |
| Net interest margin | 3.0035% | 2,858 |
| Noninterest income to average assets | 0.4039% | 2,736 |
| Noninterest expense to average assets | 2.0088% | 3,411 |
| Loan and lease loss provision to assets | 0.0305% | 2,046 |
| Net operating income to assets | 1.1367% | 1,644 |
| Return on assets (ROA) | 1.1367% | 1,621 |
| Pretax return on assets | 1.1851% | 2,124 |
| Return on Equity (ROE) | 12.8549% | 1,420 |
| Retained earnings to average equity (ytd only) | 5.5249% | 2,499 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3012% | 3,010 |
| Assets per employee ($millions) | 5.1360% | 3,555 |
| Cash dividends to net income (ytd only)* | 57.0213% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 60.3113% | 2,290 |
| Net loans and leases to deposits | 67.9449% | 2,394 |
| Net loans and leases to core deposits | 72.0151% | 2,335 |
| Total domestic deposits to total assets | 88.7650% | 2,274 |
| Equity capital to assets | 8.8945% | 2,453 |
| Core capital (leverage) ratio | 8.8346% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8930% | 1,735 |
| Memoranda: | ||
| Average total assets | $413,471,667 | 1,996 |
| Average earning assets | $388,274,000 | 1,986 |
| Average equity | $36,562,000 | 2,137 |
| Average total loans | $251,761,667 | 1,935 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1110% | 2,950 |
| Cost of funding earning assets | 0.1820% | 3,062 |
| Net interest margin | 2.9290% | 2,734 |
| Noninterest income to average assets | 0.4347% | 2,469 |
| Noninterest expense to average assets | 2.0068% | 3,409 |
| Loan and lease loss provision to assets | 0.0301% | 1,827 |
| Net operating income to assets | 1.0937% | 1,544 |
| Return on assets (ROA) | 1.0937% | 1,541 |
| Pretax return on assets | 1.1470% | 1,994 |
| Return on Equity (ROE) | 12.4046% | 1,192 |
| Retained earnings to average equity (ytd only) | 7.6717% | 1,684 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0296% | 3,142 |
| Assets per employee ($millions) | 5.0732% | 3,692 |
| Cash dividends to net income (ytd only)* | 38.1544% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.3382% | 2,029 |
| Net loans and leases to deposits | 68.0571% | 2,151 |
| Net loans and leases to core deposits | 71.8441% | 2,127 |
| Total domestic deposits to total assets | 88.6582% | 2,226 |
| Equity capital to assets | 8.9285% | 2,775 |
| Core capital (leverage) ratio | 8.8182% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8984% | 1,837 |
| Memoranda: | ||
| Average total assets | $412,197,500 | 2,010 |
| Average earning assets | $386,883,500 | 2,000 |
| Average equity | $36,341,500 | 2,200 |
| Average total loans | $250,667,500 | 1,933 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6952% | 2,128 |
| Cost of funding earning assets | 0.2637% | 2,768 |
| Net interest margin | 3.4314% | 1,928 |
| Noninterest income to average assets | 0.4017% | 3,033 |
| Noninterest expense to average assets | 2.0738% | 3,461 |
| Loan and lease loss provision to assets | 0.0321% | 2,406 |
| Net operating income to assets | 1.4918% | 1,037 |
| Return on assets (ROA) | 1.4918% | 1,091 |
| Pretax return on assets | 1.5203% | 1,652 |
| Return on Equity (ROE) | 16.6773% | 648 |
| Retained earnings to average equity (ytd only) | 8.1464% | 1,478 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1890% | 3,556 |
| Assets per employee ($millions) | 5.1683% | 3,581 |
| Cash dividends to net income (ytd only)* | 51.1525% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 2,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.8349% | 2,176 |
| Net loans and leases to deposits | 67.4150% | 2,364 |
| Net loans and leases to core deposits | 71.3042% | 2,321 |
| Total domestic deposits to total assets | 88.7559% | 1,641 |
| Equity capital to assets | 8.7053% | 3,878 |
| Core capital (leverage) ratio | 8.9426% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4367% | 2,071 |
| Memoranda: | ||
| Average total assets | $392,607,400 | 2,016 |
| Average earning assets | $368,941,600 | 2,008 |
| Average equity | $35,119,600 | 2,288 |
| Average total loans | $236,788,600 | 2,008 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 1,862 |
| Cost of funding earning assets | 0.2803% | 2,797 |
| Net interest margin | 3.5885% | 1,626 |
| Noninterest income to average assets | 0.4144% | 3,009 |
| Noninterest expense to average assets | 2.0840% | 3,411 |
| Loan and lease loss provision to assets | 0.0323% | 2,349 |
| Net operating income to assets | 1.6558% | 907 |
| Return on assets (ROA) | 1.6558% | 951 |
| Pretax return on assets | 1.6737% | 1,480 |
| Return on Equity (ROE) | 18.3790% | 582 |
| Retained earnings to average equity (ytd only) | 11.5179% | 942 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9855% | 3,660 |
| Assets per employee ($millions) | 5.0042% | 3,689 |
| Cash dividends to net income (ytd only)* | 37.3311% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.1505% | 2,241 |
| Net loans and leases to deposits | 68.3638% | 2,409 |
| Net loans and leases to core deposits | 72.4742% | 2,385 |
| Total domestic deposits to total assets | 87.9858% | 1,854 |
| Equity capital to assets | 9.2606% | 3,599 |
| Core capital (leverage) ratio | 9.0674% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7066% | 1,724 |
| Memoranda: | ||
| Average total assets | $387,393,500 | 2,056 |
| Average earning assets | $364,415,750 | 2,044 |
| Average equity | $34,901,250 | 2,327 |
| Average total loans | $233,392,000 | 2,068 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 1,301 |
| Cost of funding earning assets | 0.3073% | 2,714 |
| Net interest margin | 3.8190% | 1,114 |
| Noninterest income to average assets | 0.4244% | 2,983 |
| Noninterest expense to average assets | 2.0745% | 3,465 |
| Loan and lease loss provision to assets | 0.0326% | 2,332 |
| Net operating income to assets | 1.9130% | 572 |
| Return on assets (ROA) | 1.9130% | 603 |
| Pretax return on assets | 1.9130% | 994 |
| Return on Equity (ROE) | 21.4348% | 355 |
| Retained earnings to average equity (ytd only) | 13.5707% | 622 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6029% | 4,085 |
| Assets per employee ($millions) | 4.9447% | 3,703 |
| Cash dividends to net income (ytd only)* | 36.6883% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.4528% | 2,372 |
| Net loans and leases to deposits | 67.4569% | 2,677 |
| Net loans and leases to core deposits | 71.6465% | 2,634 |
| Total domestic deposits to total assets | 89.6170% | 969 |
| Equity capital to assets | 8.9671% | 3,823 |
| Core capital (leverage) ratio | 8.9004% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0964% | 1,942 |
| Memoranda: | ||
| Average total assets | $386,414,333 | 2,052 |
| Average earning assets | $363,810,000 | 2,042 |
| Average equity | $34,486,000 | 2,339 |
| Average total loans | $231,944,667 | 2,086 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 1,045 |
| Cost of funding earning assets | 0.2044% | 3,869 |
| Net interest margin | 4.0919% | 727 |
| Noninterest income to average assets | 0.4033% | 3,073 |
| Noninterest expense to average assets | 2.0061% | 3,699 |
| Loan and lease loss provision to assets | 0.0325% | 2,341 |
| Net operating income to assets | 2.2230% | 399 |
| Return on assets (ROA) | 2.2230% | 432 |
| Pretax return on assets | 2.2230% | 663 |
| Return on Equity (ROE) | 24.9698% | 258 |
| Retained earnings to average equity (ytd only) | 20.2630% | 260 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0747% | 4,399 |
| Assets per employee ($millions) | 4.9831% | 3,678 |
| Cash dividends to net income (ytd only)* | 18.8501% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,725 |
| Loan loss allowance to noncurrent loans | 11,540.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 4,345 |
| Noncurrent loans to loans | 0.0107% | 4,258 |
| Net loans and leases to total assets | 59.2144% | 2,643 |
| Net loans and leases to deposits | 65.8475% | 2,933 |
| Net loans and leases to core deposits | 69.6938% | 2,895 |
| Total domestic deposits to total assets | 89.9266% | 854 |
| Equity capital to assets | 8.9673% | 3,721 |
| Core capital (leverage) ratio | 9.1448% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2039% | 1,506 |
| Memoranda: | ||
| Average total assets | $381,832,500 | 2,056 |
| Average earning assets | $360,026,500 | 2,044 |
| Average equity | $33,993,000 | 2,347 |
| Average total loans | $226,889,500 | 2,112 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 3,069 |
| Cost of funding earning assets | 0.3867% | 3,666 |
| Net interest margin | 3.4982% | 2,485 |
| Noninterest income to average assets | 0.3926% | 3,135 |
| Noninterest expense to average assets | 2.2206% | 3,620 |
| Loan and lease loss provision to assets | 0.1447% | 2,557 |
| Net operating income to assets | 1.3145% | 1,209 |
| Return on assets (ROA) | 1.3145% | 1,309 |
| Pretax return on assets | 1.3635% | 1,775 |
| Return on Equity (ROE) | 14.2883% | 747 |
| Retained earnings to average equity (ytd only) | 4.9721% | 2,281 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5518% | 3,512 |
| Assets per employee ($millions) | 4.7467% | 3,664 |
| Cash dividends to net income (ytd only)* | 65.2015% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,447 |
| Loan loss allowance to noncurrent loans | 3,963.8889% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 4,300 |
| Noncurrent loans to loans | 0.0326% | 4,177 |
| Net loans and leases to total assets | 58.1051% | 3,072 |
| Net loans and leases to deposits | 63.9876% | 3,441 |
| Net loans and leases to core deposits | 68.0303% | 3,412 |
| Total domestic deposits to total assets | 90.8069% | 277 |
| Equity capital to assets | 8.8355% | 4,191 |
| Core capital (leverage) ratio | 8.9309% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9676% | 1,541 |
| Memoranda: | ||
| Average total assets | $353,052,000 | 2,034 |
| Average earning assets | $336,711,400 | 1,997 |
| Average equity | $32,481,200 | 2,358 |
| Average total loans | $217,988,600 | 2,119 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 2,931 |
| Cost of funding earning assets | 0.4318% | 3,632 |
| Net interest margin | 3.5832% | 2,329 |
| Noninterest income to average assets | 0.4005% | 3,076 |
| Noninterest expense to average assets | 2.2499% | 3,555 |
| Loan and lease loss provision to assets | 0.1804% | 2,180 |
| Net operating income to assets | 1.3538% | 1,220 |
| Return on assets (ROA) | 1.3538% | 1,324 |
| Pretax return on assets | 1.4021% | 1,726 |
| Return on Equity (ROE) | 14.5589% | 778 |
| Retained earnings to average equity (ytd only) | 6.6173% | 1,843 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7087% | 3,568 |
| Assets per employee ($millions) | 4.4245% | 3,930 |
| Cash dividends to net income (ytd only)* | 54.5480% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,302 |
| Loan loss allowance to noncurrent loans | 3,853.4247% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 4,376 |
| Noncurrent loans to loans | 0.0329% | 4,257 |
| Net loans and leases to total assets | 60.3110% | 3,195 |
| Net loans and leases to deposits | 66.9740% | 3,549 |
| Net loans and leases to core deposits | 71.6648% | 3,503 |
| Total domestic deposits to total assets | 90.0514% | 409 |
| Equity capital to assets | 9.1291% | 4,015 |
| Core capital (leverage) ratio | 9.0085% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4938% | 1,374 |
| Memoranda: | ||
| Average total assets | $347,568,500 | 2,038 |
| Average earning assets | $332,882,750 | 1,991 |
| Average equity | $32,318,500 | 2,357 |
| Average total loans | $217,300,750 | 2,121 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 2,780 |
| Cost of funding earning assets | 0.4817% | 3,646 |
| Net interest margin | 3.7135% | 2,116 |
| Noninterest income to average assets | 0.4064% | 3,037 |
| Noninterest expense to average assets | 2.2815% | 3,570 |
| Loan and lease loss provision to assets | 0.2564% | 1,650 |
| Net operating income to assets | 1.3787% | 1,155 |
| Return on assets (ROA) | 1.3787% | 1,251 |
| Pretax return on assets | 1.4249% | 1,662 |
| Return on Equity (ROE) | 14.7328% | 750 |
| Retained earnings to average equity (ytd only) | 5.2167% | 2,382 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5744% | 3,747 |
| Assets per employee ($millions) | 4.4035% | 3,910 |
| Cash dividends to net income (ytd only)* | 64.5913% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,218 |
| Loan loss allowance to noncurrent loans | 4,880.7018% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,485 |
| Noncurrent loans to loans | 0.0258% | 4,379 |
| Net loans and leases to total assets | 59.7807% | 3,353 |
| Net loans and leases to deposits | 65.9266% | 3,728 |
| Net loans and leases to core deposits | 70.8102% | 3,651 |
| Total domestic deposits to total assets | 90.6777% | 228 |
| Equity capital to assets | 8.8522% | 4,212 |
| Core capital (leverage) ratio | 9.0011% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3057% | 1,411 |
| Memoranda: | ||
| Average total assets | $342,489,333 | 2,032 |
| Average earning assets | $327,994,333 | 1,981 |
| Average equity | $32,051,000 | 2,358 |
| Average total loans | $215,859,333 | 2,120 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 3,446 |
| Cost of funding earning assets | 0.5785% | 3,540 |
| Net interest margin | 3.5483% | 2,822 |
| Noninterest income to average assets | 0.4375% | 2,861 |
| Noninterest expense to average assets | 2.3856% | 3,561 |
| Loan and lease loss provision to assets | 0.0399% | 3,274 |
| Net operating income to assets | 1.3475% | 1,112 |
| Return on assets (ROA) | 1.3475% | 1,199 |
| Pretax return on assets | 1.4067% | 1,542 |
| Return on Equity (ROE) | 13.9814% | 699 |
| Retained earnings to average equity (ytd only) | 9.5926% | 826 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2315% | 4,822 |
| Assets per employee ($millions) | 3.6730% | 4,307 |
| Cash dividends to net income (ytd only)* | 31.3901% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,108 |
| Loan loss allowance to noncurrent loans | 364.9770% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 3,685 |
| Noncurrent loans to loans | 0.3060% | 3,408 |
| Net loans and leases to total assets | 64.3593% | 3,020 |
| Net loans and leases to deposits | 72.2695% | 3,411 |
| Net loans and leases to core deposits | 78.7791% | 3,300 |
| Total domestic deposits to total assets | 89.0545% | 638 |
| Equity capital to assets | 9.8754% | 3,901 |
| Core capital (leverage) ratio | 9.7976% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5906% | 1,443 |
| Memoranda: | ||
| Average total assets | $330,989,500 | 2,036 |
| Average earning assets | $316,659,500 | 1,990 |
| Average equity | $31,899,500 | 2,358 |
| Average total loans | $213,152,000 | 2,099 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 4,608 |
| Cost of funding earning assets | 0.5672% | 3,790 |
| Net interest margin | 3.2023% | 4,182 |
| Noninterest income to average assets | 0.4024% | 3,282 |
| Noninterest expense to average assets | 2.5075% | 3,430 |
| Loan and lease loss provision to assets | 0.0334% | 3,345 |
| Net operating income to assets | 0.8801% | 3,286 |
| Return on assets (ROA) | 0.8801% | 3,370 |
| Pretax return on assets | 0.9263% | 3,658 |
| Return on Equity (ROE) | 9.4351% | 2,553 |
| Retained earnings to average equity (ytd only) | 3.4717% | 3,272 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3196% | 1,825 |
| Assets per employee ($millions) | 3.6859% | 4,278 |
| Cash dividends to net income (ytd only)* | 63.2046% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 2,757 |
| Loan loss allowance to noncurrent loans | 5,050.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,605 |
| Noncurrent loans to loans | 0.0225% | 4,479 |
| Net loans and leases to total assets | 52.3775% | 4,192 |
| Net loans and leases to deposits | 57.7283% | 4,383 |
| Net loans and leases to core deposits | 60.7278% | 4,410 |
| Total domestic deposits to total assets | 90.7311% | 159 |
| Equity capital to assets | 9.1979% | 4,570 |
| Core capital (leverage) ratio | 9.4960% | 4,069 |
| Tier 1 risk-based capital ratio | 17.1498% | 2,007 |
| Total risk-based capital ratio | 18.2738% | 1,985 |
| Memoranda: | ||
| Average total assets | $179,419,600 | 3,025 |
| Average earning assets | $171,721,400 | 2,964 |
| Average equity | $16,735,400 | 3,464 |
| Average total loans | $98,019,800 | 3,254 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8000% | 4,679 |
| Cost of funding earning assets | 0.6001% | 3,700 |
| Net interest margin | 3.1999% | 4,300 |
| Noninterest income to average assets | 0.4108% | 3,252 |
| Noninterest expense to average assets | 2.5312% | 3,348 |
| Loan and lease loss provision to assets | 0.0337% | 3,237 |
| Net operating income to assets | 0.8634% | 3,471 |
| Return on assets (ROA) | 0.8634% | 3,549 |
| Pretax return on assets | 0.9061% | 3,860 |
| Return on Equity (ROE) | 9.2236% | 2,794 |
| Retained earnings to average equity (ytd only) | 4.8436% | 2,964 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9252% | 1,711 |
| Assets per employee ($millions) | 3.6206% | 4,368 |
| Cash dividends to net income (ytd only)* | 47.4871% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,844 |
| Loan loss allowance to noncurrent loans | 2,435.5556% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 4,617 |
| Noncurrent loans to loans | 0.0467% | 4,436 |
| Net loans and leases to total assets | 52.6730% | 4,272 |
| Net loans and leases to deposits | 58.1706% | 4,469 |
| Net loans and leases to core deposits | 61.3286% | 4,486 |
| Total domestic deposits to total assets | 90.5492% | 165 |
| Equity capital to assets | 9.3768% | 4,545 |
| Core capital (leverage) ratio | 9.4069% | 4,271 |
| Tier 1 risk-based capital ratio | 17.4534% | 1,956 |
| Total risk-based capital ratio | 18.5803% | 1,950 |
| Memoranda: | ||
| Average total assets | $178,201,250 | 3,065 |
| Average earning assets | $170,417,500 | 3,005 |
| Average equity | $16,681,500 | 3,500 |
| Average total loans | $98,115,000 | 3,296 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 4,708 |
| Cost of funding earning assets | 0.5955% | 3,672 |
| Net interest margin | 3.2070% | 4,356 |
| Noninterest income to average assets | 0.4220% | 3,122 |
| Noninterest expense to average assets | 2.5082% | 3,447 |
| Loan and lease loss provision to assets | 0.0338% | 3,151 |
| Net operating income to assets | 0.8981% | 3,291 |
| Return on assets (ROA) | 0.8981% | 3,359 |
| Pretax return on assets | 0.9421% | 3,732 |
| Return on Equity (ROE) | 9.5998% | 2,586 |
| Retained earnings to average equity (ytd only) | 4.6311% | 2,958 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9883% | 1,923 |
| Assets per employee ($millions) | 3.5812% | 4,399 |
| Cash dividends to net income (ytd only)* | 51.7588% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,171 |
| Loan loss allowance to noncurrent loans | 1,930.3571% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 4,621 |
| Noncurrent loans to loans | 0.0560% | 4,435 |
| Net loans and leases to total assets | 54.1762% | 4,195 |
| Net loans and leases to deposits | 59.6827% | 4,448 |
| Net loans and leases to core deposits | 63.0001% | 4,457 |
| Total domestic deposits to total assets | 90.7737% | 135 |
| Equity capital to assets | 9.1732% | 4,678 |
| Core capital (leverage) ratio | 9.2561% | 4,402 |
| Tier 1 risk-based capital ratio | 17.0738% | 2,063 |
| Total risk-based capital ratio | 18.1754% | 2,047 |
| Memoranda: | ||
| Average total assets | $177,257,670 | 3,087 |
| Average earning assets | $169,256,330 | 3,032 |
| Average equity | $16,583,670 | 3,508 |
| Average total loans | $98,669,670 | 3,307 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 4,791 |
| Cost of funding earning assets | 0.5729% | 3,715 |
| Net interest margin | 3.1702% | 4,457 |
| Noninterest income to average assets | 0.4560% | 2,819 |
| Noninterest expense to average assets | 2.5022% | 3,500 |
| Loan and lease loss provision to assets | 0.0344% | 2,943 |
| Net operating income to assets | 0.8959% | 3,248 |
| Return on assets (ROA) | 0.8959% | 3,302 |
| Pretax return on assets | 0.9372% | 3,647 |
| Return on Equity (ROE) | 9.4796% | 2,597 |
| Retained earnings to average equity (ytd only) | 6.2309% | 2,355 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0317% | 2,040 |
| Assets per employee ($millions) | 3.5240% | 4,536 |
| Cash dividends to net income (ytd only)* | 34.2711% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,287 |
| Loan loss allowance to noncurrent loans | 7,106.6667% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,835 |
| Noncurrent loans to loans | 0.0151% | 4,715 |
| Net loans and leases to total assets | 55.8901% | 4,070 |
| Net loans and leases to deposits | 61.7601% | 4,314 |
| Net loans and leases to core deposits | 64.8968% | 4,333 |
| Total domestic deposits to total assets | 90.4955% | 292 |
| Equity capital to assets | 9.4364% | 4,315 |
| Core capital (leverage) ratio | 9.4501% | 4,196 |
| Tier 1 risk-based capital ratio | 17.1467% | 2,067 |
| Total risk-based capital ratio | 18.2460% | 2,058 |
| Memoranda: | ||
| Average total assets | $174,566,000 | 3,148 |
| Average earning assets | $166,172,000 | 3,101 |
| Average equity | $16,498,500 | 3,533 |
| Average total loans | $97,990,000 | 3,350 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4009% | 5,006 |
| Cost of funding earning assets | 0.3522% | 4,274 |
| Net interest margin | 3.0488% | 4,733 |
| Noninterest income to average assets | 0.4174% | 3,327 |
| Noninterest expense to average assets | 2.4668% | 3,708 |
| Loan and lease loss provision to assets | 0.0346% | 3,505 |
| Net operating income to assets | 0.7886% | 3,847 |
| Return on assets (ROA) | 0.7886% | 3,850 |
| Pretax return on assets | 0.8296% | 4,090 |
| Return on Equity (ROE) | 8.4239% | 3,258 |
| Retained earnings to average equity (ytd only) | 2.2571% | 4,252 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0555% | 1,620 |
| Assets per employee ($millions) | 3.5292% | 4,515 |
| Cash dividends to net income (ytd only)* | 73.2064% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,175 |
| Loan loss allowance to noncurrent loans | 1,876.7857% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,694 |
| Noncurrent loans to loans | 0.0581% | 4,490 |
| Net loans and leases to total assets | 55.1573% | 4,196 |
| Net loans and leases to deposits | 61.6769% | 4,391 |
| Net loans and leases to core deposits | 64.7189% | 4,421 |
| Total domestic deposits to total assets | 89.4293% | 693 |
| Equity capital to assets | 9.4662% | 4,157 |
| Core capital (leverage) ratio | 9.6532% | 3,947 |
| Tier 1 risk-based capital ratio | 17.3632% | 1,933 |
| Total risk-based capital ratio | 18.4779% | 1,935 |
| Memoranda: | ||
| Average total assets | $173,218,200 | 3,133 |
| Average earning assets | $165,542,000 | 3,072 |
| Average equity | $16,215,800 | 3,498 |
| Average total loans | $91,811,400 | 3,441 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 5,106 |
| Cost of funding earning assets | 0.3121% | 4,433 |
| Net interest margin | 3.0123% | 4,831 |
| Noninterest income to average assets | 0.4132% | 3,404 |
| Noninterest expense to average assets | 2.4790% | 3,654 |
| Loan and lease loss provision to assets | 0.0346% | 3,319 |
| Net operating income to assets | 0.7509% | 4,073 |
| Return on assets (ROA) | 0.7509% | 4,082 |
| Pretax return on assets | 0.7879% | 4,328 |
| Return on Equity (ROE) | 8.0440% | 3,533 |
| Retained earnings to average equity (ytd only) | 3.0989% | 4,198 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0874% | 1,448 |
| Assets per employee ($millions) | 3.3905% | 4,692 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,259 |
| Loan loss allowance to noncurrent loans | 1,644.4444% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 4,799 |
| Noncurrent loans to loans | 0.0662% | 4,587 |
| Net loans and leases to total assets | 55.5577% | 4,250 |
| Net loans and leases to deposits | 61.6877% | 4,457 |
| Net loans and leases to core deposits | 64.8125% | 4,470 |
| Total domestic deposits to total assets | 90.0627% | 490 |
| Equity capital to assets | 9.6624% | 3,946 |
| Core capital (leverage) ratio | 9.3949% | 4,282 |
| Tier 1 risk-based capital ratio | 17.3304% | 1,989 |
| Total risk-based capital ratio | 18.4265% | 1,980 |
| Memoranda: | ||
| Average total assets | $173,290,000 | 3,158 |
| Average earning assets | $166,159,750 | 3,087 |
| Average equity | $16,177,250 | 3,524 |
| Average total loans | $90,655,500 | 3,491 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2320% | 5,197 |
| Cost of funding earning assets | 0.2819% | 4,552 |
| Net interest margin | 2.9502% | 4,943 |
| Noninterest income to average assets | 0.4136% | 3,398 |
| Noninterest expense to average assets | 2.4601% | 3,743 |
| Loan and lease loss provision to assets | 0.0344% | 3,228 |
| Net operating income to assets | 0.7139% | 4,155 |
| Return on assets (ROA) | 0.7139% | 4,162 |
| Pretax return on assets | 0.7494% | 4,391 |
| Return on Equity (ROE) | 7.7345% | 3,612 |
| Retained earnings to average equity (ytd only) | 1.9243% | 4,486 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8389% | 1,447 |
| Assets per employee ($millions) | 3.4622% | 4,645 |
| Cash dividends to net income (ytd only)* | 75.1204% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,144 |
| Loan loss allowance to noncurrent loans | 1,760.3448% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 4,858 |
| Noncurrent loans to loans | 0.0637% | 4,639 |
| Net loans and leases to total assets | 52.0092% | 4,480 |
| Net loans and leases to deposits | 57.5266% | 4,667 |
| Net loans and leases to core deposits | 60.2959% | 4,690 |
| Total domestic deposits to total assets | 90.4089% | 429 |
| Equity capital to assets | 9.3346% | 4,254 |
| Core capital (leverage) ratio | 9.1816% | 4,486 |
| Tier 1 risk-based capital ratio | 17.5890% | 1,918 |
| Total risk-based capital ratio | 18.7003% | 1,908 |
| Memoranda: | ||
| Average total assets | $174,545,670 | 3,161 |
| Average earning assets | $167,448,330 | 3,095 |
| Average equity | $16,109,670 | 3,551 |
| Average total loans | $89,134,330 | 3,541 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1615% | 5,265 |
| Cost of funding earning assets | 0.2569% | 4,667 |
| Net interest margin | 2.9045% | 5,019 |
| Noninterest income to average assets | 0.4450% | 3,148 |
| Noninterest expense to average assets | 2.4900% | 3,678 |
| Loan and lease loss provision to assets | 0.0342% | 3,048 |
| Net operating income to assets | 0.6733% | 4,194 |
| Return on assets (ROA) | 0.6733% | 4,198 |
| Pretax return on assets | 0.7075% | 4,422 |
| Return on Equity (ROE) | 7.3360% | 3,653 |
| Retained earnings to average equity (ytd only) | 4.0286% | 3,583 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0480% | 1,455 |
| Assets per employee ($millions) | 3.6806% | 4,444 |
| Cash dividends to net income (ytd only)* | 45.0847% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,142 |
| Loan loss allowance to noncurrent loans | 2,053.0612% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,973 |
| Noncurrent loans to loans | 0.0555% | 4,730 |
| Net loans and leases to total assets | 49.3711% | 4,605 |
| Net loans and leases to deposits | 54.5130% | 4,769 |
| Net loans and leases to core deposits | 56.9200% | 4,799 |
| Total domestic deposits to total assets | 90.5676% | 451 |
| Equity capital to assets | 9.1505% | 4,416 |
| Core capital (leverage) ratio | 9.1545% | 4,499 |
| Tier 1 risk-based capital ratio | 18.3592% | 1,729 |
| Total risk-based capital ratio | 19.5017% | 1,722 |
| Memoranda: | ||
| Average total assets | $175,264,500 | 3,185 |
| Average earning assets | $168,150,000 | 3,122 |
| Average equity | $16,085,000 | 3,579 |
| Average total loans | $88,175,000 | 3,584 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1811% | 5,215 |
| Cost of funding earning assets | 0.2059% | 4,897 |
| Net interest margin | 2.9752% | 4,934 |
| Noninterest income to average assets | 0.4588% | 3,254 |
| Noninterest expense to average assets | 2.3564% | 4,191 |
| Loan and lease loss provision to assets | 0.0341% | 3,581 |
| Net operating income to assets | 0.8710% | 2,858 |
| Return on assets (ROA) | 0.8710% | 2,881 |
| Pretax return on assets | 0.9153% | 3,858 |
| Return on Equity (ROE) | 9.6720% | 2,023 |
| Retained earnings to average equity (ytd only) | 2.8436% | 3,609 |
| Net charge-offs to loans | 0.0046% | 3,923 |
| Credit loss provision to net charge-offs | 1,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 418.0000% | 205 |
| Efficiency ratio | 71.2813% | 2,339 |
| Assets per employee ($millions) | 3.4772% | 4,732 |
| Cash dividends to net income (ytd only)* | 70.5997% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 3,222 |
| Loan loss allowance to noncurrent loans | 1,501.5152% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,946 |
| Noncurrent loans to loans | 0.0749% | 4,666 |
| Net loans and leases to total assets | 50.1147% | 4,639 |
| Net loans and leases to deposits | 55.3607% | 4,832 |
| Net loans and leases to core deposits | 57.4236% | 4,876 |
| Total domestic deposits to total assets | 90.5240% | 388 |
| Equity capital to assets | 9.2051% | 4,522 |
| Core capital (leverage) ratio | 9.3631% | 4,211 |
| Tier 1 risk-based capital ratio | 18.1824% | 1,752 |
| Total risk-based capital ratio | 19.3083% | 1,736 |
| Memoranda: | ||
| Average total assets | $176,113,600 | 3,166 |
| Average earning assets | $168,526,800 | 3,096 |
| Average equity | $15,860,200 | 3,613 |
| Average total loans | $87,742,400 | 3,569 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1898% | 5,242 |
| Cost of funding earning assets | 0.1980% | 4,994 |
| Net interest margin | 2.9918% | 4,935 |
| Noninterest income to average assets | 0.4754% | 3,181 |
| Noninterest expense to average assets | 2.3304% | 4,213 |
| Loan and lease loss provision to assets | 0.0340% | 3,440 |
| Net operating income to assets | 0.9282% | 2,888 |
| Return on assets (ROA) | 0.9282% | 2,947 |
| Pretax return on assets | 0.9735% | 3,791 |
| Return on Equity (ROE) | 10.3636% | 1,962 |
| Retained earnings to average equity (ytd only) | 5.0301% | 2,871 |
| Net charge-offs to loans | 0.0061% | 3,514 |
| Credit loss provision to net charge-offs | 1,125.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 333.9512% | 277 |
| Efficiency ratio | 69.8169% | 2,563 |
| Assets per employee ($millions) | 3.5013% | 4,736 |
| Cash dividends to net income (ytd only)* | 51.4635% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 3,208 |
| Loan loss allowance to noncurrent loans | 733.8346% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 4,865 |
| Noncurrent loans to loans | 0.1565% | 4,432 |
| Net loans and leases to total assets | 47.9913% | 4,825 |
| Net loans and leases to deposits | 53.0307% | 5,005 |
| Net loans and leases to core deposits | 55.4572% | 5,019 |
| Total domestic deposits to total assets | 90.4972% | 328 |
| Equity capital to assets | 9.2251% | 4,708 |
| Core capital (leverage) ratio | 9.1332% | 4,591 |
| Tier 1 risk-based capital ratio | 18.8514% | 1,632 |
| Total risk-based capital ratio | 19.9907% | 1,613 |
| Memoranda: | ||
| Average total assets | $176,676,750 | 3,189 |
| Average earning assets | $169,037,000 | 3,109 |
| Average equity | $15,824,250 | 3,654 |
| Average total loans | $87,647,750 | 3,604 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2435% | 5,186 |
| Cost of funding earning assets | 0.1959% | 5,024 |
| Net interest margin | 3.0475% | 4,800 |
| Noninterest income to average assets | 0.4480% | 3,366 |
| Noninterest expense to average assets | 2.2797% | 4,405 |
| Loan and lease loss provision to assets | 0.0339% | 3,309 |
| Net operating income to assets | 0.9999% | 2,428 |
| Return on assets (ROA) | 0.9999% | 2,469 |
| Pretax return on assets | 1.0484% | 3,379 |
| Return on Equity (ROE) | 11.2754% | 1,542 |
| Retained earnings to average equity (ytd only) | 5.0014% | 2,706 |
| Net charge-offs to loans | 0.0090% | 3,139 |
| Credit loss provision to net charge-offs | 750.0000% | 473 |
| Earnings coverage of net charge-offs (x) | 239.7500% | 353 |
| Efficiency ratio | 67.8080% | 3,050 |
| Assets per employee ($millions) | 3.7398% | 4,374 |
| Cash dividends to net income (ytd only)* | 55.6433% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,500 |
| Loan loss allowance to noncurrent loans | 686.4286% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,895 |
| Noncurrent loans to loans | 0.1624% | 4,469 |
| Net loans and leases to total assets | 46.5332% | 4,917 |
| Net loans and leases to deposits | 51.1125% | 5,096 |
| Net loans and leases to core deposits | 53.2707% | 5,111 |
| Total domestic deposits to total assets | 91.0407% | 213 |
| Equity capital to assets | 8.7012% | 5,141 |
| Core capital (leverage) ratio | 8.8946% | 4,850 |
| Tier 1 risk-based capital ratio | 17.9543% | 1,866 |
| Total risk-based capital ratio | 19.0364% | 1,883 |
| Memoranda: | ||
| Average total assets | $177,214,000 | 3,190 |
| Average earning assets | $169,448,000 | 3,117 |
| Average equity | $15,715,670 | 3,674 |
| Average total loans | $88,533,000 | 3,607 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0313% | 5,432 |
| Cost of funding earning assets | 0.1968% | 5,006 |
| Net interest margin | 2.8345% | 5,193 |
| Noninterest income to average assets | 0.5190% | 2,847 |
| Noninterest expense to average assets | 2.4111% | 4,086 |
| Loan and lease loss provision to assets | 0.0344% | 3,097 |
| Net operating income to assets | 0.7486% | 3,484 |
| Return on assets (ROA) | 0.7486% | 3,533 |
| Pretax return on assets | 0.7853% | 4,165 |
| Return on Equity (ROE) | 8.3584% | 2,739 |
| Retained earnings to average equity (ytd only) | 2.4614% | 4,158 |
| Net charge-offs to loans | 0.0178% | 2,430 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 594 |
| Efficiency ratio | 74.6269% | 2,118 |
| Assets per employee ($millions) | 3.5437% | 4,730 |
| Cash dividends to net income (ytd only)* | 70.5521% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,837 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 4,067 |
| Noncurrent loans to loans | 0.2156% | 4,334 |
| Net loans and leases to total assets | 49.9464% | 4,677 |
| Net loans and leases to deposits | 55.0763% | 4,875 |
| Net loans and leases to core deposits | 57.4804% | 4,903 |
| Total domestic deposits to total assets | 90.6859% | 397 |
| Equity capital to assets | 9.0123% | 4,794 |
| Core capital (leverage) ratio | 8.9556% | 4,789 |
| Tier 1 risk-based capital ratio | 17.4189% | 2,058 |
| Total risk-based capital ratio | 18.4708% | 2,064 |
| Memoranda: | ||
| Average total assets | $174,196,000 | 3,265 |
| Average earning assets | $166,658,500 | 3,180 |
| Average equity | $15,601,000 | 3,708 |
| Average total loans | $89,683,000 | 3,602 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9645% | 5,526 |
| Cost of funding earning assets | 0.2110% | 4,916 |
| Net interest margin | 2.7535% | 5,352 |
| Noninterest income to average assets | 0.5181% | 3,113 |
| Noninterest expense to average assets | 2.3345% | 4,472 |
| Loan and lease loss provision to assets | 0.0251% | 3,853 |
| Net operating income to assets | 0.7925% | 3,344 |
| Return on assets (ROA) | 0.7925% | 3,443 |
| Pretax return on assets | 0.7925% | 4,201 |
| Return on Equity (ROE) | 9.2582% | 2,287 |
| Retained earnings to average equity (ytd only) | 2.9384% | 3,805 |
| Net charge-offs to loans | 0.0172% | 3,725 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 97.7333% | 612 |
| Efficiency ratio | 74.0623% | 2,282 |
| Assets per employee ($millions) | 3.4950% | 4,771 |
| Cash dividends to net income (ytd only)* | 68.2618% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 4,195 |
| Loan loss allowance to noncurrent loans | 494.7090% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 4,141 |
| Noncurrent loans to loans | 0.2061% | 4,421 |
| Net loans and leases to total assets | 51.9359% | 4,613 |
| Net loans and leases to deposits | 57.1955% | 4,849 |
| Net loans and leases to core deposits | 59.7488% | 4,871 |
| Total domestic deposits to total assets | 90.8041% | 343 |
| Equity capital to assets | 8.9000% | 4,907 |
| Core capital (leverage) ratio | 8.9958% | 4,750 |
| Tier 1 risk-based capital ratio | 16.5531% | 2,328 |
| Total risk-based capital ratio | 17.5483% | 2,366 |
| Memoranda: | ||
| Average total assets | $179,310,400 | 3,171 |
| Average earning assets | $171,528,600 | 3,093 |
| Average equity | $15,348,600 | 3,769 |
| Average total loans | $86,985,200 | 3,637 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9416% | 5,617 |
| Cost of funding earning assets | 0.2110% | 4,969 |
| Net interest margin | 2.7306% | 5,452 |
| Noninterest income to average assets | 0.5239% | 3,087 |
| Noninterest expense to average assets | 2.3319% | 4,453 |
| Loan and lease loss provision to assets | 0.0222% | 3,799 |
| Net operating income to assets | 0.7802% | 3,456 |
| Return on assets (ROA) | 0.7802% | 3,599 |
| Pretax return on assets | 0.7802% | 4,368 |
| Return on Equity (ROE) | 9.2039% | 2,398 |
| Retained earnings to average equity (ytd only) | 0.7495% | 5,165 |
| Net charge-offs to loans | 0.0062% | 3,694 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 271.6623% | 298 |
| Efficiency ratio | 74.3989% | 2,203 |
| Assets per employee ($millions) | 3.4576% | 4,828 |
| Cash dividends to net income (ytd only)* | 91.8563% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 4,059 |
| Loan loss allowance to noncurrent loans | 492.5926% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 4,190 |
| Noncurrent loans to loans | 0.2155% | 4,496 |
| Net loans and leases to total assets | 49.2021% | 4,875 |
| Net loans and leases to deposits | 56.6667% | 4,956 |
| Net loans and leases to core deposits | 59.4846% | 4,963 |
| Total domestic deposits to total assets | 86.8272% | 1,976 |
| Equity capital to assets | 8.6129% | 5,463 |
| Core capital (leverage) ratio | 8.5208% | 5,347 |
| Tier 1 risk-based capital ratio | 16.5141% | 2,412 |
| Total risk-based capital ratio | 17.5264% | 2,458 |
| Memoranda: | ||
| Average total assets | $180,450,000 | 3,175 |
| Average earning assets | $172,511,750 | 3,095 |
| Average equity | $15,297,500 | 3,806 |
| Average total loans | $85,808,000 | 3,686 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8933% | 5,739 |
| Cost of funding earning assets | 0.2092% | 5,051 |
| Net interest margin | 2.6841% | 5,591 |
| Noninterest income to average assets | 0.5764% | 2,744 |
| Noninterest expense to average assets | 2.3188% | 4,553 |
| Loan and lease loss provision to assets | 0.0165% | 3,783 |
| Net operating income to assets | 0.8096% | 3,267 |
| Return on assets (ROA) | 0.8096% | 3,395 |
| Pretax return on assets | 0.8096% | 4,246 |
| Return on Equity (ROE) | 9.5996% | 2,232 |
| Retained earnings to average equity (ytd only) | 4.8520% | 2,820 |
| Net charge-offs to loans | 0.0094% | 3,381 |
| Credit loss provision to net charge-offs | 375.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 187.7500% | 352 |
| Efficiency ratio | 73.7321% | 2,401 |
| Assets per employee ($millions) | 3.6905% | 4,456 |
| Cash dividends to net income (ytd only)* | 49.4565% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 4,261 |
| Loan loss allowance to noncurrent loans | 428.0374% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 4,306 |
| Noncurrent loans to loans | 0.2436% | 4,478 |
| Net loans and leases to total assets | 48.0720% | 4,991 |
| Net loans and leases to deposits | 53.0873% | 5,190 |
| Net loans and leases to core deposits | 55.9150% | 5,178 |
| Total domestic deposits to total assets | 90.5527% | 299 |
| Equity capital to assets | 8.5564% | 5,565 |
| Core capital (leverage) ratio | 8.4660% | 5,391 |
| Tier 1 risk-based capital ratio | 17.0565% | 2,195 |
| Total risk-based capital ratio | 18.0663% | 2,249 |
| Memoranda: | ||
| Average total assets | $181,820,000 | 3,175 |
| Average earning assets | $173,988,330 | 3,096 |
| Average equity | $15,334,000 | 3,824 |
| Average total loans | $85,179,330 | 3,713 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8778% | 5,805 |
| Cost of funding earning assets | 0.2111% | 5,093 |
| Net interest margin | 2.6667% | 5,651 |
| Noninterest income to average assets | 0.7789% | 1,698 |
| Noninterest expense to average assets | 2.3301% | 4,573 |
| Loan and lease loss provision to assets | 0.0110% | 3,550 |
| Net operating income to assets | 0.9873% | 2,337 |
| Return on assets (ROA) | 0.9873% | 2,450 |
| Pretax return on assets | 0.9873% | 3,527 |
| Return on Equity (ROE) | 11.7921% | 1,373 |
| Retained earnings to average equity (ytd only) | 8.5165% | 1,258 |
| Net charge-offs to loans | 0.0191% | 2,553 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 113.7500% | 492 |
| Efficiency ratio | 70.0066% | 3,128 |
| Assets per employee ($millions) | 3.6260% | 4,598 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 4,111 |
| Loan loss allowance to noncurrent loans | 388.8412% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 4,123 |
| Noncurrent loans to loans | 0.2802% | 4,427 |
| Net loans and leases to total assets | 45.3657% | 5,164 |
| Net loans and leases to deposits | 49.8403% | 5,347 |
| Net loans and leases to core deposits | 52.4156% | 5,328 |
| Total domestic deposits to total assets | 91.0222% | 267 |
| Equity capital to assets | 8.5090% | 5,556 |
| Core capital (leverage) ratio | 8.4228% | 5,460 |
| Tier 1 risk-based capital ratio | 17.8547% | 2,025 |
| Total risk-based capital ratio | 18.9033% | 2,049 |
| Memoranda: | ||
| Average total assets | $182,312,500 | 3,178 |
| Average earning assets | $174,297,000 | 3,109 |
| Average equity | $15,264,500 | 3,840 |
| Average total loans | $83,845,500 | 3,762 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8121% | 5,869 |
| Cost of funding earning assets | 0.2173% | 5,119 |
| Net interest margin | 2.5948% | 5,760 |
| Noninterest income to average assets | 0.4399% | 3,748 |
| Noninterest expense to average assets | 2.3174% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5871% | 4,343 |
| Return on assets (ROA) | 0.5871% | 4,436 |
| Pretax return on assets | 0.5937% | 4,857 |
| Return on Equity (ROE) | 7.2050% | 3,406 |
| Retained earnings to average equity (ytd only) | 4.3801% | 2,855 |
| Net charge-offs to loans | 0.0050% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 268.2500% | 272 |
| Efficiency ratio | 79.6046% | 1,728 |
| Assets per employee ($millions) | 3.5254% | 4,792 |
| Cash dividends to net income (ytd only)* | 39.2083% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 4,208 |
| Loan loss allowance to noncurrent loans | 317.5439% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 3,919 |
| Noncurrent loans to loans | 0.3371% | 4,255 |
| Net loans and leases to total assets | 45.6195% | 5,184 |
| Net loans and leases to deposits | 49.9704% | 5,397 |
| Net loans and leases to core deposits | 52.5898% | 5,389 |
| Total domestic deposits to total assets | 91.2930% | 212 |
| Equity capital to assets | 8.2379% | 5,742 |
| Core capital (leverage) ratio | 8.4213% | 5,500 |
| Tier 1 risk-based capital ratio | 17.1401% | 2,238 |
| Total risk-based capital ratio | 18.1673% | 2,263 |
| Memoranda: | ||
| Average total assets | $180,719,600 | 3,158 |
| Average earning assets | $172,111,200 | 3,095 |
| Average equity | $14,725,800 | 3,877 |
| Average total loans | $80,608,800 | 3,808 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7993% | 5,956 |
| Cost of funding earning assets | 0.2195% | 5,192 |
| Net interest margin | 2.5798% | 5,853 |
| Noninterest income to average assets | 0.4569% | 3,662 |
| Noninterest expense to average assets | 2.3272% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5746% | 4,504 |
| Return on assets (ROA) | 0.5746% | 4,597 |
| Pretax return on assets | 0.5835% | 5,018 |
| Return on Equity (ROE) | 7.0712% | 3,583 |
| Retained earnings to average equity (ytd only) | 3.2805% | 4,131 |
| Net charge-offs to loans | 0.0050% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 262.6600% | 268 |
| Efficiency ratio | 79.9542% | 1,662 |
| Assets per employee ($millions) | 3.4173% | 4,950 |
| Cash dividends to net income (ytd only)* | 53.6080% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 4,013 |
| Loan loss allowance to noncurrent loans | 314.5833% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 4,176 |
| Noncurrent loans to loans | 0.3616% | 4,318 |
| Net loans and leases to total assets | 44.3078% | 5,340 |
| Net loans and leases to deposits | 48.6093% | 5,528 |
| Net loans and leases to core deposits | 51.4726% | 5,523 |
| Total domestic deposits to total assets | 91.1507% | 214 |
| Equity capital to assets | 8.3377% | 5,807 |
| Core capital (leverage) ratio | 8.2472% | 5,747 |
| Tier 1 risk-based capital ratio | 17.4700% | 2,197 |
| Total risk-based capital ratio | 18.5383% | 2,216 |
| Memoranda: | ||
| Average total assets | $180,068,750 | 3,187 |
| Average earning assets | $171,274,750 | 3,129 |
| Average equity | $14,631,750 | 3,928 |
| Average total loans | $79,627,000 | 3,870 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7740% | 6,037 |
| Cost of funding earning assets | 0.2189% | 5,264 |
| Net interest margin | 2.5550% | 5,919 |
| Noninterest income to average assets | 0.4733% | 3,536 |
| Noninterest expense to average assets | 2.3079% | 4,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5784% | 4,431 |
| Return on assets (ROA) | 0.5784% | 4,534 |
| Pretax return on assets | 0.5916% | 4,996 |
| Return on Equity (ROE) | 7.1790% | 3,503 |
| Retained earnings to average equity (ytd only) | 2.8002% | 4,262 |
| Net charge-offs to loans | 0.0075% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 178.3333% | 374 |
| Efficiency ratio | 79.5957% | 1,813 |
| Assets per employee ($millions) | 3.4810% | 4,841 |
| Cash dividends to net income (ytd only)* | 60.9943% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 4,109 |
| Loan loss allowance to noncurrent loans | 314.5833% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 4,122 |
| Noncurrent loans to loans | 0.3640% | 4,402 |
| Net loans and leases to total assets | 42.3894% | 5,479 |
| Net loans and leases to deposits | 46.3475% | 5,659 |
| Net loans and leases to core deposits | 48.0581% | 5,688 |
| Total domestic deposits to total assets | 91.4598% | 187 |
| Equity capital to assets | 7.9461% | 6,006 |
| Core capital (leverage) ratio | 8.0073% | 5,929 |
| Tier 1 risk-based capital ratio | 17.6488% | 2,172 |
| Total risk-based capital ratio | 18.7395% | 2,181 |
| Memoranda: | ||
| Average total assets | $180,859,000 | 3,206 |
| Average earning assets | $171,739,670 | 3,142 |
| Average equity | $14,570,330 | 3,952 |
| Average total loans | $79,622,670 | 3,896 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7832% | 6,081 |
| Cost of funding earning assets | 0.2217% | 5,304 |
| Net interest margin | 2.5615% | 5,963 |
| Noninterest income to average assets | 0.4312% | 3,756 |
| Noninterest expense to average assets | 2.2900% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5407% | 4,510 |
| Return on assets (ROA) | 0.5407% | 4,624 |
| Pretax return on assets | 0.5675% | 5,002 |
| Return on Equity (ROE) | 6.6641% | 3,672 |
| Retained earnings to average equity (ytd only) | 3.8278% | 3,709 |
| Net charge-offs to loans | 0.0150% | 2,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 84.6667% | 565 |
| Efficiency ratio | 80.1407% | 1,885 |
| Assets per employee ($millions) | 3.5635% | 4,792 |
| Cash dividends to net income (ytd only)* | 42.5620% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 4,321 |
| Loan loss allowance to noncurrent loans | 375.9336% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 3,981 |
| Noncurrent loans to loans | 0.3033% | 4,701 |
| Net loans and leases to total assets | 43.2224% | 5,407 |
| Net loans and leases to deposits | 47.3222% | 5,600 |
| Net loans and leases to core deposits | 49.0594% | 5,632 |
| Total domestic deposits to total assets | 91.3365% | 269 |
| Equity capital to assets | 8.0307% | 6,018 |
| Core capital (leverage) ratio | 8.2043% | 5,807 |
| Tier 1 risk-based capital ratio | 18.0397% | 2,126 |
| Total risk-based capital ratio | 19.1595% | 2,127 |
| Memoranda: | ||
| Average total assets | $179,042,500 | 3,250 |
| Average earning assets | $169,590,500 | 3,182 |
| Average equity | $14,525,500 | 3,988 |
| Average total loans | $79,878,500 | 3,895 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9798% | 6,077 |
| Cost of funding earning assets | 0.2535% | 5,288 |
| Net interest margin | 2.7263% | 5,904 |
| Noninterest income to average assets | 0.4974% | 3,534 |
| Noninterest expense to average assets | 2.3904% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6465% | 4,162 |
| Return on assets (ROA) | 0.6465% | 4,259 |
| Pretax return on assets | 0.6798% | 4,694 |
| Return on Equity (ROE) | 7.8091% | 3,225 |
| Retained earnings to average equity (ytd only) | -1.0948% | 5,932 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8587% | 2,227 |
| Assets per employee ($millions) | 3.2063% | 5,424 |
| Cash dividends to net income (ytd only)* | 114.0195% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 4,380 |
| Loan loss allowance to noncurrent loans | 329.3478% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 3,227 |
| Noncurrent loans to loans | 0.3437% | 4,623 |
| Net loans and leases to total assets | 45.0195% | 5,404 |
| Net loans and leases to deposits | 49.3888% | 5,615 |
| Net loans and leases to core deposits | 51.0806% | 5,660 |
| Total domestic deposits to total assets | 91.1532% | 319 |
| Equity capital to assets | 8.1975% | 5,966 |
| Core capital (leverage) ratio | 8.3379% | 5,738 |
| Tier 1 risk-based capital ratio | 17.7518% | 2,219 |
| Total risk-based capital ratio | 18.8680% | 2,245 |
| Memoranda: | ||
| Average total assets | $174,320,000 | 3,278 |
| Average earning assets | $164,509,200 | 3,223 |
| Average equity | $14,431,800 | 3,953 |
| Average total loans | $80,007,200 | 3,875 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0141% | 6,124 |
| Cost of funding earning assets | 0.2599% | 5,304 |
| Net interest margin | 2.7542% | 5,931 |
| Noninterest income to average assets | 0.5063% | 3,505 |
| Noninterest expense to average assets | 2.3826% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6911% | 3,986 |
| Return on assets (ROA) | 0.6911% | 4,076 |
| Pretax return on assets | 0.7249% | 4,609 |
| Return on Equity (ROE) | 8.3275% | 3,022 |
| Retained earnings to average equity (ytd only) | -3.5491% | 6,182 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6724% | 2,386 |
| Assets per employee ($millions) | 3.1571% | 5,506 |
| Cash dividends to net income (ytd only)* | 142.6197% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 4,382 |
| Loan loss allowance to noncurrent loans | 324.6429% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 3,359 |
| Noncurrent loans to loans | 0.3606% | 4,827 |
| Net loans and leases to total assets | 44.1960% | 5,509 |
| Net loans and leases to deposits | 48.5043% | 5,734 |
| Net loans and leases to core deposits | 50.4152% | 5,770 |
| Total domestic deposits to total assets | 91.1178% | 330 |
| Equity capital to assets | 8.1951% | 6,020 |
| Core capital (leverage) ratio | 8.1178% | 5,996 |
| Tier 1 risk-based capital ratio | 17.5629% | 2,373 |
| Total risk-based capital ratio | 18.6848% | 2,382 |
| Memoranda: | ||
| Average total assets | $173,813,500 | 3,310 |
| Average earning assets | $164,156,750 | 3,260 |
| Average equity | $14,425,750 | 3,975 |
| Average total loans | $79,934,250 | 3,904 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0693% | 6,104 |
| Cost of funding earning assets | 0.2658% | 5,328 |
| Net interest margin | 2.8034% | 5,899 |
| Noninterest income to average assets | 0.4774% | 3,652 |
| Noninterest expense to average assets | 2.3765% | 4,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7109% | 3,777 |
| Return on assets (ROA) | 0.7109% | 3,875 |
| Pretax return on assets | 0.7454% | 4,476 |
| Return on Equity (ROE) | 8.5294% | 2,822 |
| Retained earnings to average equity (ytd only) | -7.6875% | 6,363 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1238% | 2,608 |
| Assets per employee ($millions) | 3.1290% | 5,548 |
| Cash dividends to net income (ytd only)* | 190.1294% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 4,734 |
| Loan loss allowance to noncurrent loans | 303.0000% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8275% | 3,490 |
| Noncurrent loans to loans | 0.3748% | 4,874 |
| Net loans and leases to total assets | 45.1628% | 5,447 |
| Net loans and leases to deposits | 49.5253% | 5,668 |
| Net loans and leases to core deposits | 51.4823% | 5,698 |
| Total domestic deposits to total assets | 91.1913% | 347 |
| Equity capital to assets | 8.0229% | 6,144 |
| Core capital (leverage) ratio | 8.0610% | 6,051 |
| Tier 1 risk-based capital ratio | 16.4785% | 2,837 |
| Total risk-based capital ratio | 17.5440% | 2,876 |
| Memoranda: | ||
| Average total assets | $173,871,330 | 3,321 |
| Average earning assets | $164,013,000 | 3,269 |
| Average equity | $14,491,000 | 3,949 |
| Average total loans | $80,695,330 | 3,890 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0082% | 6,237 |
| Cost of funding earning assets | 0.2672% | 5,414 |
| Net interest margin | 2.7409% | 6,046 |
| Noninterest income to average assets | 0.5058% | 3,366 |
| Noninterest expense to average assets | 2.3650% | 5,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6906% | 3,737 |
| Return on assets (ROA) | 0.6906% | 3,814 |
| Pretax return on assets | 0.7229% | 4,408 |
| Return on Equity (ROE) | 8.1319% | 2,873 |
| Retained earnings to average equity (ytd only) | 5.0858% | 3,073 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5894% | 2,716 |
| Assets per employee ($millions) | 3.3047% | 5,332 |
| Cash dividends to net income (ytd only)* | 37.4582% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 5,000 |
| Loan loss allowance to noncurrent loans | 307.0946% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 3,665 |
| Noncurrent loans to loans | 0.3670% | 5,023 |
| Net loans and leases to total assets | 45.5267% | 5,383 |
| Net loans and leases to deposits | 50.1869% | 5,584 |
| Net loans and leases to core deposits | 52.1978% | 5,608 |
| Total domestic deposits to total assets | 90.7142% | 682 |
| Equity capital to assets | 8.4505% | 5,693 |
| Core capital (leverage) ratio | 8.5249% | 5,609 |
| Tier 1 risk-based capital ratio | 17.3083% | 2,551 |
| Total risk-based capital ratio | 18.3713% | 2,583 |
| Memoranda: | ||
| Average total assets | $173,195,000 | 3,360 |
| Average earning assets | $163,156,500 | 3,305 |
| Average equity | $14,707,500 | 3,914 |
| Average total loans | $81,020,500 | 3,904 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0305% | 6,313 |
| Cost of funding earning assets | 0.3316% | 5,310 |
| Net interest margin | 2.6989% | 6,145 |
| Noninterest income to average assets | 0.6351% | 2,886 |
| Noninterest expense to average assets | 2.3423% | 5,251 |
| Loan and lease loss provision to assets | 0.0288% | 4,539 |
| Net operating income to assets | 0.7963% | 3,304 |
| Return on assets (ROA) | 0.7963% | 3,405 |
| Pretax return on assets | 0.8366% | 4,011 |
| Return on Equity (ROE) | 9.8138% | 2,186 |
| Retained earnings to average equity (ytd only) | 6.2800% | 1,807 |
| Net charge-offs to loans | 0.0013% | 5,459 |
| Credit loss provision to net charge-offs | 5,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,503.0000% | 26 |
| Efficiency ratio | 73.0210% | 3,284 |
| Assets per employee ($millions) | 3.2931% | 5,304 |
| Cash dividends to net income (ytd only)* | 36.0087% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,062 |
| Loan loss allowance to noncurrent loans | 307.0946% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 3,781 |
| Noncurrent loans to loans | 0.3637% | 5,099 |
| Net loans and leases to total assets | 47.0001% | 5,394 |
| Net loans and leases to deposits | 51.8680% | 5,632 |
| Net loans and leases to core deposits | 53.8881% | 5,682 |
| Total domestic deposits to total assets | 90.6149% | 741 |
| Equity capital to assets | 8.5342% | 5,548 |
| Core capital (leverage) ratio | 8.5670% | 5,587 |
| Tier 1 risk-based capital ratio | 16.8525% | 2,678 |
| Total risk-based capital ratio | 17.9008% | 2,739 |
| Memoranda: | ||
| Average total assets | $173,677,600 | 3,354 |
| Average earning assets | $165,550,200 | 3,273 |
| Average equity | $14,092,400 | 4,047 |
| Average total loans | $79,172,800 | 3,963 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0139% | 6,412 |
| Cost of funding earning assets | 0.3396% | 5,385 |
| Net interest margin | 2.6743% | 6,216 |
| Noninterest income to average assets | 0.6709% | 2,774 |
| Noninterest expense to average assets | 2.3531% | 5,173 |
| Loan and lease loss provision to assets | 0.0383% | 4,247 |
| Net operating income to assets | 0.7948% | 3,377 |
| Return on assets (ROA) | 0.7948% | 3,505 |
| Pretax return on assets | 0.8339% | 4,173 |
| Return on Equity (ROE) | 9.9219% | 2,215 |
| Retained earnings to average equity (ytd only) | 5.8252% | 2,524 |
| Net charge-offs to loans | 0.0017% | 5,188 |
| Credit loss provision to net charge-offs | 5,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 1,142.8271% | 35 |
| Efficiency ratio | 72.9602% | 3,226 |
| Assets per employee ($millions) | 3.2367% | 5,413 |
| Cash dividends to net income (ytd only)* | 41.2900% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 5,062 |
| Loan loss allowance to noncurrent loans | 62.8631% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 4,042 |
| Noncurrent loans to loans | 1.8478% | 2,435 |
| Net loans and leases to total assets | 44.2525% | 5,706 |
| Net loans and leases to deposits | 48.8055% | 5,916 |
| Net loans and leases to core deposits | 50.9489% | 5,956 |
| Total domestic deposits to total assets | 90.6712% | 672 |
| Equity capital to assets | 8.2040% | 5,998 |
| Core capital (leverage) ratio | 8.1168% | 6,137 |
| Tier 1 risk-based capital ratio | 17.1698% | 2,636 |
| Total risk-based capital ratio | 18.2582% | 2,667 |
| Memoranda: | ||
| Average total assets | $174,287,000 | 3,371 |
| Average earning assets | $166,469,500 | 3,296 |
| Average equity | $13,962,000 | 4,119 |
| Average total loans | $78,618,000 | 4,011 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0009% | 6,451 |
| Cost of funding earning assets | 0.3470% | 5,434 |
| Net interest margin | 2.6538% | 6,256 |
| Noninterest income to average assets | 0.4560% | 4,124 |
| Noninterest expense to average assets | 2.3776% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5904% | 4,338 |
| Return on assets (ROA) | 0.5904% | 4,524 |
| Pretax return on assets | 0.6168% | 4,961 |
| Return on Equity (ROE) | 7.4297% | 3,377 |
| Retained earnings to average equity (ytd only) | 2.8476% | 4,499 |
| Net charge-offs to loans | 0.0025% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 537.0000% | 80 |
| Efficiency ratio | 79.4016% | 2,238 |
| Assets per employee ($millions) | 3.5297% | 4,789 |
| Cash dividends to net income (ytd only)* | 61.6732% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 5,514 |
| Loan loss allowance to noncurrent loans | 59.4053% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 4,149 |
| Noncurrent loans to loans | 1.8211% | 2,607 |
| Net loans and leases to total assets | 43.6320% | 5,772 |
| Net loans and leases to deposits | 47.9059% | 5,984 |
| Net loans and leases to core deposits | 49.8822% | 6,027 |
| Total domestic deposits to total assets | 91.0786% | 519 |
| Equity capital to assets | 7.7359% | 6,347 |
| Core capital (leverage) ratio | 7.8623% | 6,271 |
| Tier 1 risk-based capital ratio | 16.7002% | 2,838 |
| Total risk-based capital ratio | 17.7304% | 2,902 |
| Memoranda: | ||
| Average total assets | $174,122,330 | 3,389 |
| Average earning assets | $166,552,330 | 3,308 |
| Average equity | $13,836,330 | 4,182 |
| Average total loans | $78,739,330 | 4,019 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0198% | 6,493 |
| Cost of funding earning assets | 0.3625% | 5,433 |
| Net interest margin | 2.6574% | 6,288 |
| Noninterest income to average assets | 0.4861% | 3,875 |
| Noninterest expense to average assets | 2.4560% | 4,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5398% | 4,498 |
| Return on assets (ROA) | 0.5398% | 4,646 |
| Pretax return on assets | 0.5655% | 5,063 |
| Return on Equity (ROE) | 6.6998% | 3,659 |
| Retained earnings to average equity (ytd only) | 3.6254% | 4,069 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2838% | 2,157 |
| Assets per employee ($millions) | 3.4298% | 5,136 |
| Cash dividends to net income (ytd only)* | 45.8874% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,542 |
| Loan loss allowance to noncurrent loans | 59.4744% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8321% | 4,299 |
| Noncurrent loans to loans | 1.8749% | 2,765 |
| Net loans and leases to total assets | 42.7615% | 5,780 |
| Net loans and leases to deposits | 46.9968% | 5,991 |
| Net loans and leases to core deposits | 48.9547% | 6,034 |
| Total domestic deposits to total assets | 90.9880% | 525 |
| Equity capital to assets | 7.7678% | 6,491 |
| Core capital (leverage) ratio | 8.0937% | 6,053 |
| Tier 1 risk-based capital ratio | 17.3703% | 2,616 |
| Total risk-based capital ratio | 18.4485% | 2,644 |
| Memoranda: | ||
| Average total assets | $171,175,000 | 3,477 |
| Average earning assets | $163,320,000 | 3,383 |
| Average equity | $13,791,500 | 4,232 |
| Average total loans | $78,407,000 | 4,054 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3108% | 6,569 |
| Cost of funding earning assets | 0.4731% | 5,396 |
| Net interest margin | 2.8376% | 6,339 |
| Noninterest income to average assets | 0.4777% | 4,049 |
| Noninterest expense to average assets | 2.5350% | 4,978 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6125% | 4,179 |
| Return on assets (ROA) | 0.6125% | 4,441 |
| Pretax return on assets | 0.6449% | 4,837 |
| Return on Equity (ROE) | 7.6471% | 3,262 |
| Retained earnings to average equity (ytd only) | 0.3603% | 5,671 |
| Net charge-offs to loans | -0.0013% | 6,311 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7185% | 2,179 |
| Assets per employee ($millions) | 3.0943% | 5,853 |
| Cash dividends to net income (ytd only)* | 95.2885% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 5,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 48.0664% | 5,411 |
| Net loans and leases to deposits | 53.2481% | 5,720 |
| Net loans and leases to core deposits | 55.5675% | 5,746 |
| Total domestic deposits to total assets | 90.2688% | 820 |
| Equity capital to assets | 8.3714% | 6,143 |
| Core capital (leverage) ratio | 8.2111% | 5,987 |
| Tier 1 risk-based capital ratio | 16.7580% | 2,767 |
| Total risk-based capital ratio | 17.8078% | 2,834 |
| Memoranda: | ||
| Average total assets | $169,783,800 | 3,457 |
| Average earning assets | $161,683,800 | 3,357 |
| Average equity | $13,600,000 | 4,236 |
| Average total loans | $77,489,400 | 4,108 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2982% | 6,728 |
| Cost of funding earning assets | 0.4932% | 5,482 |
| Net interest margin | 2.8050% | 6,494 |
| Noninterest income to average assets | 0.4773% | 4,081 |
| Noninterest expense to average assets | 2.5190% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6027% | 4,383 |
| Return on assets (ROA) | 0.6027% | 4,648 |
| Pretax return on assets | 0.6330% | 5,072 |
| Return on Equity (ROE) | 7.6061% | 3,470 |
| Retained earnings to average equity (ytd only) | -2.1226% | 6,411 |
| Net charge-offs to loans | -0.0017% | 6,198 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9160% | 2,106 |
| Assets per employee ($millions) | 3.1686% | 5,696 |
| Cash dividends to net income (ytd only)* | 127.9078% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 45.5883% | 5,810 |
| Net loans and leases to deposits | 50.3105% | 6,084 |
| Net loans and leases to core deposits | 52.6551% | 6,138 |
| Total domestic deposits to total assets | 90.6138% | 552 |
| Equity capital to assets | 8.0172% | 6,582 |
| Core capital (leverage) ratio | 7.8909% | 6,407 |
| Tier 1 risk-based capital ratio | 16.4544% | 3,028 |
| Total risk-based capital ratio | 17.5054% | 3,096 |
| Memoranda: | ||
| Average total assets | $171,230,250 | 3,466 |
| Average earning assets | $163,275,250 | 3,361 |
| Average equity | $13,567,750 | 4,287 |
| Average total loans | $76,939,750 | 4,164 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2914% | 6,816 |
| Cost of funding earning assets | 0.5129% | 5,532 |
| Net interest margin | 2.7785% | 6,616 |
| Noninterest income to average assets | 0.4828% | 4,038 |
| Noninterest expense to average assets | 2.5022% | 5,129 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6035% | 4,356 |
| Return on assets (ROA) | 0.6035% | 4,608 |
| Pretax return on assets | 0.6337% | 5,013 |
| Return on Equity (ROE) | 7.6457% | 3,423 |
| Retained earnings to average equity (ytd only) | -5.4549% | 6,648 |
| Net charge-offs to loans | -0.0026% | 6,105 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7927% | 2,218 |
| Assets per employee ($millions) | 3.1677% | 5,713 |
| Cash dividends to net income (ytd only)* | 171.3462% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 44.2072% | 6,000 |
| Net loans and leases to deposits | 48.6133% | 6,273 |
| Net loans and leases to core deposits | 51.1183% | 6,291 |
| Total domestic deposits to total assets | 90.9364% | 469 |
| Equity capital to assets | 7.6390% | 6,745 |
| Core capital (leverage) ratio | 7.7395% | 6,494 |
| Tier 1 risk-based capital ratio | 16.1853% | 3,078 |
| Total risk-based capital ratio | 17.2311% | 3,144 |
| Memoranda: | ||
| Average total assets | $172,327,670 | 3,469 |
| Average earning assets | $164,550,670 | 3,352 |
| Average equity | $13,602,330 | 4,276 |
| Average total loans | $76,779,670 | 4,194 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3576% | 6,848 |
| Cost of funding earning assets | 0.5461% | 5,518 |
| Net interest margin | 2.8115% | 6,621 |
| Noninterest income to average assets | 0.5088% | 3,856 |
| Noninterest expense to average assets | 2.5371% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6208% | 4,253 |
| Return on assets (ROA) | 0.6208% | 4,462 |
| Pretax return on assets | 0.6512% | 4,936 |
| Return on Equity (ROE) | 7.7387% | 3,390 |
| Retained earnings to average equity (ytd only) | 4.0148% | 4,176 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5754% | 2,257 |
| Assets per employee ($millions) | 3.1445% | 5,876 |
| Cash dividends to net income (ytd only)* | 48.1203% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 5,771 |
| Loan loss allowance to noncurrent loans | 182.3779% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 6,217 |
| Noncurrent loans to loans | 0.6233% | 5,403 |
| Net loans and leases to total assets | 42.4242% | 6,155 |
| Net loans and leases to deposits | 46.7793% | 6,369 |
| Net loans and leases to core deposits | 49.8901% | 6,354 |
| Total domestic deposits to total assets | 90.6901% | 692 |
| Equity capital to assets | 7.8470% | 6,616 |
| Core capital (leverage) ratio | 7.9194% | 6,324 |
| Tier 1 risk-based capital ratio | 17.5271% | 2,467 |
| Total risk-based capital ratio | 18.6167% | 2,495 |
| Memoranda: | ||
| Average total assets | $171,379,000 | 3,496 |
| Average earning assets | $163,330,500 | 3,383 |
| Average equity | $13,749,000 | 4,245 |
| Average total loans | $76,229,500 | 4,235 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 6,876 |
| Cost of funding earning assets | 0.6808% | 5,655 |
| Net interest margin | 2.9921% | 6,541 |
| Noninterest income to average assets | 0.4949% | 3,884 |
| Noninterest expense to average assets | 2.5842% | 5,155 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7254% | 3,355 |
| Return on assets (ROA) | 0.7254% | 3,536 |
| Pretax return on assets | 0.7609% | 4,115 |
| Return on Equity (ROE) | 9.2329% | 2,353 |
| Retained earnings to average equity (ytd only) | 5.0868% | 2,572 |
| Net charge-offs to loans | 0.0013% | 6,434 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1,287.0000% | 17 |
| Efficiency ratio | 77.2534% | 2,703 |
| Assets per employee ($millions) | 2.9762% | 6,142 |
| Cash dividends to net income (ytd only)* | 44.9063% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,756 |
| Loan loss allowance to noncurrent loans | 10,737.5000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 6,989 |
| Noncurrent loans to loans | 0.0104% | 6,825 |
| Net loans and leases to total assets | 45.6215% | 6,042 |
| Net loans and leases to deposits | 50.5572% | 6,321 |
| Net loans and leases to core deposits | 52.8582% | 6,378 |
| Total domestic deposits to total assets | 90.2373% | 861 |
| Equity capital to assets | 8.2081% | 6,430 |
| Core capital (leverage) ratio | 8.0757% | 6,166 |
| Tier 1 risk-based capital ratio | 17.5326% | 2,370 |
| Total risk-based capital ratio | 18.6335% | 2,396 |
| Memoranda: | ||
| Average total assets | $169,140,800 | 3,507 |
| Average earning assets | $161,125,800 | 3,381 |
| Average equity | $13,289,400 | 4,284 |
| Average total loans | $78,606,600 | 4,186 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 6,937 |
| Cost of funding earning assets | 0.7055% | 5,727 |
| Net interest margin | 2.9911% | 6,605 |
| Noninterest income to average assets | 0.4885% | 3,963 |
| Noninterest expense to average assets | 2.5706% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7344% | 3,455 |
| Return on assets (ROA) | 0.7344% | 3,635 |
| Pretax return on assets | 0.7681% | 4,248 |
| Return on Equity (ROE) | 9.4501% | 2,410 |
| Retained earnings to average equity (ytd only) | 3.8811% | 3,957 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9936% | 2,676 |
| Assets per employee ($millions) | 3.1084% | 5,880 |
| Cash dividends to net income (ytd only)* | 58.9304% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 5,830 |
| Loan loss allowance to noncurrent loans | 52.5994% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9564% | 4,829 |
| Noncurrent loans to loans | 2.1201% | 3,220 |
| Net loans and leases to total assets | 44.6055% | 6,272 |
| Net loans and leases to deposits | 49.2295% | 6,540 |
| Net loans and leases to core deposits | 52.0426% | 6,564 |
| Total domestic deposits to total assets | 90.6072% | 585 |
| Equity capital to assets | 7.8316% | 6,787 |
| Core capital (leverage) ratio | 7.8102% | 6,553 |
| Tier 1 risk-based capital ratio | 16.7790% | 2,730 |
| Total risk-based capital ratio | 17.8568% | 2,773 |
| Memoranda: | ||
| Average total assets | $169,759,750 | 3,525 |
| Average earning assets | $161,765,750 | 3,390 |
| Average equity | $13,191,750 | 4,310 |
| Average total loans | $79,034,750 | 4,207 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 6,989 |
| Cost of funding earning assets | 0.7312% | 5,773 |
| Net interest margin | 3.0003% | 6,607 |
| Noninterest income to average assets | 0.4972% | 3,882 |
| Noninterest expense to average assets | 2.5768% | 5,274 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7475% | 3,306 |
| Return on assets (ROA) | 0.7475% | 3,429 |
| Pretax return on assets | 0.7794% | 4,105 |
| Return on Equity (ROE) | 9.6450% | 2,246 |
| Retained earnings to average equity (ytd only) | 3.2302% | 4,210 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7769% | 2,891 |
| Assets per employee ($millions) | 3.0335% | 6,010 |
| Cash dividends to net income (ytd only)* | 66.5087% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 6,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 45.2249% | 6,332 |
| Net loans and leases to deposits | 49.8572% | 6,608 |
| Net loans and leases to core deposits | 52.3491% | 6,641 |
| Total domestic deposits to total assets | 90.7089% | 633 |
| Equity capital to assets | 7.6428% | 6,883 |
| Core capital (leverage) ratio | 7.6634% | 6,615 |
| Tier 1 risk-based capital ratio | 16.1956% | 2,883 |
| Total risk-based capital ratio | 17.2496% | 2,944 |
| Memoranda: | ||
| Average total assets | $169,359,330 | 3,551 |
| Average earning assets | $161,384,670 | 3,421 |
| Average equity | $13,126,000 | 4,311 |
| Average total loans | $79,673,670 | 4,229 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 6,987 |
| Cost of funding earning assets | 0.7692% | 5,756 |
| Net interest margin | 3.0015% | 6,569 |
| Noninterest income to average assets | 0.5108% | 3,794 |
| Noninterest expense to average assets | 2.6231% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7232% | 3,413 |
| Return on assets (ROA) | 0.7232% | 3,477 |
| Pretax return on assets | 0.7471% | 4,108 |
| Return on Equity (ROE) | 9.2650% | 2,358 |
| Retained earnings to average equity (ytd only) | 4.7395% | 3,352 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8329% | 2,871 |
| Assets per employee ($millions) | 3.0540% | 6,044 |
| Cash dividends to net income (ytd only)* | 48.8449% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 6,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 45.1729% | 6,361 |
| Net loans and leases to deposits | 49.8938% | 6,633 |
| Net loans and leases to core deposits | 52.2748% | 6,667 |
| Total domestic deposits to total assets | 90.5382% | 823 |
| Equity capital to assets | 7.6942% | 6,748 |
| Core capital (leverage) ratio | 7.8408% | 6,429 |
| Tier 1 risk-based capital ratio | 16.3028% | 2,759 |
| Total risk-based capital ratio | 17.3683% | 2,823 |
| Memoranda: | ||
| Average total assets | $167,585,500 | 3,599 |
| Average earning assets | $159,655,000 | 3,473 |
| Average equity | $13,081,500 | 4,319 |
| Average total loans | $79,982,500 | 4,254 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 6,646 |
| Cost of funding earning assets | 1.0839% | 5,230 |
| Net interest margin | 3.2987% | 5,982 |
| Noninterest income to average assets | 0.6320% | 3,269 |
| Noninterest expense to average assets | 2.9076% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8146% | 2,736 |
| Return on assets (ROA) | 0.8146% | 2,868 |
| Pretax return on assets | 0.8561% | 3,453 |
| Return on Equity (ROE) | 10.5117% | 1,762 |
| Retained earnings to average equity (ytd only) | -0.7938% | 5,768 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2540% | 2,833 |
| Assets per employee ($millions) | 2.7821% | 6,549 |
| Cash dividends to net income (ytd only)* | 107.5517% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 6,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.3390% | 6,236 |
| Net loans and leases to deposits | 54.6762% | 6,555 |
| Net loans and leases to core deposits | 57.4652% | 6,601 |
| Total domestic deposits to total assets | 90.2386% | 964 |
| Equity capital to assets | 7.9222% | 6,559 |
| Core capital (leverage) ratio | 7.7344% | 6,511 |
| Tier 1 risk-based capital ratio | 15.5684% | 2,968 |
| Total risk-based capital ratio | 16.5980% | 3,031 |
| Memoranda: | ||
| Average total assets | $154,422,600 | 3,802 |
| Average earning assets | $146,604,800 | 3,695 |
| Average equity | $11,967,600 | 4,617 |
| Average total loans | $74,980,200 | 4,485 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 6,679 |
| Cost of funding earning assets | 1.1513% | 5,142 |
| Net interest margin | 3.3151% | 5,963 |
| Noninterest income to average assets | 0.6527% | 3,109 |
| Noninterest expense to average assets | 2.9597% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7948% | 3,024 |
| Return on assets (ROA) | 0.7948% | 3,185 |
| Pretax return on assets | 0.8351% | 3,784 |
| Return on Equity (ROE) | 10.3170% | 2,001 |
| Retained earnings to average equity (ytd only) | -5.0902% | 6,562 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9935% | 2,623 |
| Assets per employee ($millions) | 2.8289% | 6,534 |
| Cash dividends to net income (ytd only)* | 149.3373% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 6,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 48.7751% | 6,453 |
| Net loans and leases to deposits | 53.8697% | 6,778 |
| Net loans and leases to core deposits | 57.0743% | 6,787 |
| Total domestic deposits to total assets | 90.5426% | 620 |
| Equity capital to assets | 7.5797% | 7,075 |
| Core capital (leverage) ratio | 7.7576% | 6,616 |
| Tier 1 risk-based capital ratio | 15.3082% | 3,096 |
| Total risk-based capital ratio | 16.3488% | 3,187 |
| Memoranda: | ||
| Average total assets | $151,991,750 | 3,900 |
| Average earning assets | $144,064,000 | 3,790 |
| Average equity | $11,708,500 | 4,761 |
| Average total loans | $73,263,250 | 4,630 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 7,316 |
| Cost of funding earning assets | 1.0896% | 5,735 |
| Net interest margin | 2.9640% | 6,914 |
| Noninterest income to average assets | 0.6067% | 3,289 |
| Noninterest expense to average assets | 2.6078% | 5,290 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7659% | 3,120 |
| Return on assets (ROA) | 0.7659% | 3,271 |
| Pretax return on assets | 0.8040% | 3,865 |
| Return on Equity (ROE) | 9.8821% | 2,145 |
| Retained earnings to average equity (ytd only) | 2.7031% | 4,417 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4354% | 2,993 |
| Assets per employee ($millions) | 2.6853% | 6,799 |
| Cash dividends to net income (ytd only)* | 72.6465% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 6,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 45.2471% | 6,830 |
| Net loans and leases to deposits | 49.8639% | 7,073 |
| Net loans and leases to core deposits | 54.9423% | 6,994 |
| Total domestic deposits to total assets | 90.7411% | 585 |
| Equity capital to assets | 7.4890% | 7,121 |
| Core capital (leverage) ratio | 7.3504% | 6,957 |
| Tier 1 risk-based capital ratio | 16.4311% | 2,503 |
| Total risk-based capital ratio | 17.5105% | 2,521 |
| Memoranda: | ||
| Average total assets | $147,020,000 | 4,012 |
| Average earning assets | $139,134,000 | 3,920 |
| Average equity | $11,394,330 | 4,837 |
| Average total loans | $70,261,330 | 4,787 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 7,362 |
| Cost of funding earning assets | 1.1115% | 5,844 |
| Net interest margin | 3.0053% | 6,822 |
| Noninterest income to average assets | 0.5306% | 3,814 |
| Noninterest expense to average assets | 2.6195% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7139% | 3,371 |
| Return on assets (ROA) | 0.7139% | 3,483 |
| Pretax return on assets | 0.7500% | 4,062 |
| Return on Equity (ROE) | 9.0493% | 2,481 |
| Retained earnings to average equity (ytd only) | 3.3803% | 4,128 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7411% | 2,940 |
| Assets per employee ($millions) | 2.9088% | 6,422 |
| Cash dividends to net income (ytd only)* | 62.6459% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 6,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 45.3811% | 6,883 |
| Net loans and leases to deposits | 50.0839% | 7,118 |
| Net loans and leases to core deposits | 53.8140% | 7,114 |
| Total domestic deposits to total assets | 90.6101% | 688 |
| Equity capital to assets | 7.5400% | 7,041 |
| Core capital (leverage) ratio | 8.1244% | 6,033 |
| Tier 1 risk-based capital ratio | 16.7923% | 2,349 |
| Total risk-based capital ratio | 17.9010% | 2,345 |
| Memoranda: | ||
| Average total assets | $143,998,000 | 4,126 |
| Average earning assets | $136,028,500 | 4,039 |
| Average equity | $11,360,000 | 4,881 |
| Average total loans | $70,387,000 | 4,841 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 6,898 |
| Cost of funding earning assets | 1.2869% | 6,352 |
| Net interest margin | 3.5364% | 4,796 |
| Noninterest income to average assets | 0.5707% | 3,853 |
| Noninterest expense to average assets | 2.6974% | 5,408 |
| Loan and lease loss provision to assets | 0.0344% | 7,188 |
| Net operating income to assets | 1.1200% | 1,468 |
| Return on assets (ROA) | 1.1200% | 1,499 |
| Pretax return on assets | 1.1750% | 2,020 |
| Return on Equity (ROE) | 14.5863% | 707 |
| Retained earnings to average equity (ytd only) | 7.6817% | 781 |
| Net charge-offs to loans | 0.0229% | 6,918 |
| Credit loss provision to net charge-offs | 281.2500% | 1,205 |
| Earnings coverage of net charge-offs (x) | 98.8125% | 281 |
| Efficiency ratio | 69.0425% | 4,819 |
| Assets per employee ($millions) | 2.4544% | 7,277 |
| Cash dividends to net income (ytd only)* | 47.3361% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 6,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 52.4278% | 6,373 |
| Net loans and leases to deposits | 58.4818% | 6,750 |
| Net loans and leases to core deposits | 69.8521% | 6,782 |
| Total domestic deposits to total assets | 89.6480% | 1,135 |
| Equity capital to assets | 8.1770% | 6,371 |
| Core capital (leverage) ratio | 7.9901% | 6,213 |
| Tier 1 risk-based capital ratio | 15.8971% | 2,566 |
| Total risk-based capital ratio | 16.9772% | 2,572 |
| Memoranda: | ||
| Average total assets | $130,719,000 | 4,320 |
| Average earning assets | $123,317,600 | 4,236 |
| Average equity | $10,036,800 | 5,291 |
| Average total loans | $69,975,600 | 4,866 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 7,028 |
| Cost of funding earning assets | 1.3021% | 6,555 |
| Net interest margin | 3.5403% | 4,698 |
| Noninterest income to average assets | 0.6064% | 3,650 |
| Noninterest expense to average assets | 2.6272% | 5,611 |
| Loan and lease loss provision to assets | 0.0456% | 6,912 |
| Net operating income to assets | 1.2188% | 1,421 |
| Return on assets (ROA) | 1.2188% | 1,480 |
| Pretax return on assets | 1.2776% | 2,015 |
| Return on Equity (ROE) | 16.1279% | 636 |
| Retained earnings to average equity (ytd only) | 6.8295% | 1,579 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5041% | 5,288 |
| Assets per employee ($millions) | 2.5467% | 7,150 |
| Cash dividends to net income (ytd only)* | 57.6540% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 6,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 52.9942% | 6,495 |
| Net loans and leases to deposits | 58.9080% | 6,909 |
| Net loans and leases to core deposits | 68.2258% | 7,063 |
| Total domestic deposits to total assets | 89.9610% | 782 |
| Equity capital to assets | 7.8331% | 7,006 |
| Core capital (leverage) ratio | 7.6810% | 6,753 |
| Tier 1 risk-based capital ratio | 15.0074% | 3,034 |
| Total risk-based capital ratio | 16.0769% | 3,065 |
| Memoranda: | ||
| Average total assets | $131,492,000 | 4,340 |
| Average earning assets | $124,203,000 | 4,240 |
| Average equity | $9,937,000 | 5,350 |
| Average total loans | $70,564,250 | 4,895 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 7,073 |
| Cost of funding earning assets | 1.3146% | 6,754 |
| Net interest margin | 3.5681% | 4,504 |
| Noninterest income to average assets | 0.5378% | 4,126 |
| Noninterest expense to average assets | 2.5479% | 5,953 |
| Loan and lease loss provision to assets | 0.0454% | 6,775 |
| Net operating income to assets | 1.2512% | 1,352 |
| Return on assets (ROA) | 1.2512% | 1,428 |
| Pretax return on assets | 1.3118% | 1,987 |
| Return on Equity (ROE) | 16.7580% | 603 |
| Retained earnings to average equity (ytd only) | 6.1676% | 1,940 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2444% | 5,663 |
| Assets per employee ($millions) | 2.4515% | 7,343 |
| Cash dividends to net income (ytd only)* | 63.1961% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 6,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.3967% | 6,632 |
| Net loans and leases to deposits | 57.9966% | 7,030 |
| Net loans and leases to core deposits | 66.2174% | 7,203 |
| Total domestic deposits to total assets | 90.3444% | 686 |
| Equity capital to assets | 7.3936% | 7,354 |
| Core capital (leverage) ratio | 7.6435% | 6,836 |
| Tier 1 risk-based capital ratio | 14.4730% | 3,268 |
| Total risk-based capital ratio | 15.5038% | 3,313 |
| Memoranda: | ||
| Average total assets | $132,028,000 | 4,352 |
| Average earning assets | $124,603,670 | 4,252 |
| Average equity | $9,858,000 | 5,401 |
| Average total loans | $70,900,330 | 4,920 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0461% | 6,808 |
| Cost of funding earning assets | 1.3510% | 6,873 |
| Net interest margin | 3.6950% | 3,909 |
| Noninterest income to average assets | 0.5298% | 4,062 |
| Noninterest expense to average assets | 2.5569% | 5,621 |
| Loan and lease loss provision to assets | 0.0459% | 6,400 |
| Net operating income to assets | 1.3382% | 1,295 |
| Return on assets (ROA) | 1.3382% | 1,390 |
| Pretax return on assets | 1.4025% | 1,960 |
| Return on Equity (ROE) | 17.8322% | 605 |
| Retained earnings to average equity (ytd only) | 11.2216% | 931 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8379% | 5,721 |
| Assets per employee ($millions) | 2.4996% | 7,279 |
| Cash dividends to net income (ytd only)* | 37.0709% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 6,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.0964% | 6,454 |
| Net loans and leases to deposits | 60.3096% | 6,868 |
| Net loans and leases to core deposits | 67.7943% | 7,145 |
| Total domestic deposits to total assets | 89.6978% | 934 |
| Equity capital to assets | 7.7974% | 7,074 |
| Core capital (leverage) ratio | 7.5461% | 7,098 |
| Tier 1 risk-based capital ratio | 14.6781% | 3,213 |
| Total risk-based capital ratio | 15.7044% | 3,256 |
| Memoranda: | ||
| Average total assets | $130,625,500 | 4,398 |
| Average earning assets | $122,868,000 | 4,307 |
| Average equity | $9,802,500 | 5,449 |
| Average total loans | $70,671,500 | 4,961 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5613% | 7,175 |
| Cost of funding earning assets | 1.8282% | 6,932 |
| Net interest margin | 3.7331% | 4,309 |
| Noninterest income to average assets | 0.5236% | 4,438 |
| Noninterest expense to average assets | 2.5628% | 5,784 |
| Loan and lease loss provision to assets | 0.0344% | 6,976 |
| Net operating income to assets | 1.3628% | 1,313 |
| Return on assets (ROA) | 1.3628% | 1,272 |
| Pretax return on assets | 1.4285% | 1,873 |
| Return on Equity (ROE) | 18.1731% | 511 |
| Retained earnings to average equity (ytd only) | 1.5289% | 4,306 |
| Net charge-offs to loans | 0.0028% | 6,975 |
| Credit loss provision to net charge-offs | 2,250.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 957.0000% | 49 |
| Efficiency ratio | 63.6605% | 5,629 |
| Assets per employee ($millions) | 2.5240% | 7,165 |
| Cash dividends to net income (ytd only)* | 91.5872% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 6,401 |
| Loan loss allowance to noncurrent loans | 68,000.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 7,669 |
| Noncurrent loans to loans | 0.0014% | 7,562 |
| Net loans and leases to total assets | 53.0802% | 6,742 |
| Net loans and leases to deposits | 58.7233% | 7,162 |
| Net loans and leases to core deposits | 65.0772% | 7,393 |
| Total domestic deposits to total assets | 90.3904% | 523 |
| Equity capital to assets | 7.2249% | 7,605 |
| Core capital (leverage) ratio | 7.3569% | 7,353 |
| Tier 1 risk-based capital ratio | 13.7067% | 3,693 |
| Total risk-based capital ratio | 14.6711% | 3,769 |
| Memoranda: | ||
| Average total assets | $130,835,800 | 4,260 |
| Average earning assets | $122,740,600 | 4,198 |
| Average equity | $9,811,200 | 5,469 |
| Average total loans | $70,450,000 | 4,852 |