Home > Bank of Hydro > Performance and Condition Ratios
Bank of Hydro, 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 | 6.9394% | 239 |
| Cost of funding earning assets | 2.1766% | 673 |
| Net interest margin | 4.7628% | 436 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.6040% | 1,986 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.3310% | 290 |
| Return on assets (ROA) | 2.3426% | 278 |
| Pretax return on assets | 2.3426% | 406 |
| Return on Equity (ROE) | 21.2900% | 518 |
| Retained earnings to average equity (ytd only) | 5.3177% | 2,479 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.4768% | 3,790 |
| Assets per employee ($millions) | 6.0927% | 2,742 |
| Cash dividends to net income (ytd only)* | 75.0277% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 3,467 |
| Loan loss allowance to noncurrent loans | 5,059.2593% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,627 |
| Noncurrent loans to loans | 0.0191% | 3,603 |
| Net loans and leases to total assets | 91.7800% | 17 |
| Net loans and leases to deposits | 106.0876% | 290 |
| Net loans and leases to core deposits | 123.6365% | 537 |
| Total domestic deposits to total assets | 86.5100% | 1,856 |
| Equity capital to assets | 11.4537% | 1,303 |
| Core capital (leverage) ratio | 11.4692% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $154,185,400 | 3,321 |
| Average earning assets | $146,194,000 | 3,283 |
| Average equity | $16,962,200 | 3,098 |
| Average total loans | $141,977,000 | 2,744 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6452% | 266 |
| Cost of funding earning assets | 2.0906% | 603 |
| Net interest margin | 4.5545% | 572 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.5157% | 2,184 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.1484% | 405 |
| Return on assets (ROA) | 2.1277% | 411 |
| Pretax return on assets | 2.1277% | 620 |
| Return on Equity (ROE) | 19.5400% | 770 |
| Retained earnings to average equity (ytd only) | 4.8768% | 2,979 |
| Net charge-offs to loans | 0.0009% | 2,600 |
| Credit loss provision to net charge-offs | 3,200.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 2,524.0000% | 52 |
| Efficiency ratio | 53.6200% | 3,612 |
| Assets per employee ($millions) | 5.7625% | 2,960 |
| Cash dividends to net income (ytd only)* | 75.0405% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 3,511 |
| Loan loss allowance to noncurrent loans | 16,937.5000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,812 |
| Noncurrent loans to loans | 0.0057% | 3,770 |
| Net loans and leases to total assets | 92.6900% | 11 |
| Net loans and leases to deposits | 107.8993% | 248 |
| Net loans and leases to core deposits | 125.6208% | 422 |
| Total domestic deposits to total assets | 85.9100% | 2,227 |
| Equity capital to assets | 11.4534% | 1,199 |
| Core capital (leverage) ratio | 10.8670% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $154,652,500 | 3,331 |
| Average earning assets | $146,810,000 | 3,290 |
| Average equity | $16,841,250 | 3,094 |
| Average total loans | $142,180,500 | 2,747 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1758% | 359 |
| Cost of funding earning assets | 1.9037% | 600 |
| Net interest margin | 4.2722% | 842 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.4075% | 2,459 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.9800% | 486 |
| Return on assets (ROA) | 1.9544% | 497 |
| Pretax return on assets | 1.9544% | 800 |
| Return on Equity (ROE) | 18.2500% | 922 |
| Retained earnings to average equity (ytd only) | 4.5533% | 3,066 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.5375% | 3,565 |
| Assets per employee ($millions) | 5.9253% | 2,774 |
| Cash dividends to net income (ytd only)* | 75.0491% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 3,609 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 90.8600% | 29 |
| Net loans and leases to deposits | 107.2689% | 269 |
| Net loans and leases to core deposits | 123.9722% | 430 |
| Total domestic deposits to total assets | 84.7000% | 2,622 |
| Equity capital to assets | 10.9862% | 1,394 |
| Core capital (leverage) ratio | 10.9404% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $156,261,667 | 3,337 |
| Average earning assets | $148,449,333 | 3,288 |
| Average equity | $16,735,000 | 3,125 |
| Average total loans | $142,830,667 | 2,743 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8759% | 371 |
| Cost of funding earning assets | 1.7564% | 487 |
| Net interest margin | 4.1196% | 1,067 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.3233% | 2,756 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.9115% | 561 |
| Return on assets (ROA) | 1.9725% | 503 |
| Pretax return on assets | 1.9725% | 817 |
| Return on Equity (ROE) | 18.6500% | 936 |
| Retained earnings to average equity (ytd only) | 4.6635% | 3,095 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.5021% | 3,552 |
| Assets per employee ($millions) | 6.7619% | 2,147 |
| Cash dividends to net income (ytd only)* | 75.0000% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 3,767 |
| Loan loss allowance to noncurrent loans | 402.1084% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 2,070 |
| Noncurrent loans to loans | 0.2323% | 2,343 |
| Net loans and leases to total assets | 91.0500% | 22 |
| Net loans and leases to deposits | 104.4600% | 295 |
| Net loans and leases to core deposits | 118.9823% | 465 |
| Total domestic deposits to total assets | 87.1700% | 2,205 |
| Equity capital to assets | 10.7618% | 1,427 |
| Core capital (leverage) ratio | 10.5714% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $157,364,000 | 3,360 |
| Average earning assets | $149,627,000 | 3,322 |
| Average equity | $16,640,000 | 3,163 |
| Average total loans | $143,587,500 | 2,769 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 500 |
| Cost of funding earning assets | 0.6284% | 793 |
| Net interest margin | 4.0877% | 676 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.5013% | 2,113 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.8097% | 431 |
| Return on assets (ROA) | 1.7086% | 504 |
| Pretax return on assets | 1.7086% | 901 |
| Return on Equity (ROE) | 15.6500% | 1,112 |
| Retained earnings to average equity (ytd only) | 3.9135% | 3,427 |
| Net charge-offs to loans | -0.0469% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.6421% | 3,392 |
| Assets per employee ($millions) | 6.3682% | 2,448 |
| Cash dividends to net income (ytd only)* | 74.9901% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 3,705 |
| Loan loss allowance to noncurrent loans | 312.2642% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 1,827 |
| Noncurrent loans to loans | 0.2940% | 2,085 |
| Net loans and leases to total assets | 89.7600% | 39 |
| Net loans and leases to deposits | 108.1072% | 193 |
| Net loans and leases to core deposits | 121.2554% | 348 |
| Total domestic deposits to total assets | 83.0300% | 3,416 |
| Equity capital to assets | 10.3910% | 1,510 |
| Core capital (leverage) ratio | 10.6323% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $148,364,200 | 3,459 |
| Average earning assets | $141,472,600 | 3,404 |
| Average equity | $16,200,200 | 3,256 |
| Average total loans | $132,151,800 | 2,801 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 503 |
| Cost of funding earning assets | 0.4375% | 1,048 |
| Net interest margin | 4.0528% | 574 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.5082% | 1,996 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.6980% | 533 |
| Return on assets (ROA) | 1.5525% | 719 |
| Pretax return on assets | 1.5525% | 1,259 |
| Return on Equity (ROE) | 14.0300% | 1,420 |
| Retained earnings to average equity (ytd only) | 3.5081% | 3,615 |
| Net charge-offs to loans | -0.0671% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.2176% | 3,220 |
| Assets per employee ($millions) | 5.8694% | 2,879 |
| Cash dividends to net income (ytd only)* | 75.0000% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 3,671 |
| Loan loss allowance to noncurrent loans | 309.8824% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 1,842 |
| Noncurrent loans to loans | 0.3083% | 2,140 |
| Net loans and leases to total assets | 89.4700% | 33 |
| Net loans and leases to deposits | 106.2424% | 187 |
| Net loans and leases to core deposits | 119.0830% | 276 |
| Total domestic deposits to total assets | 84.2100% | 3,450 |
| Equity capital to assets | 10.7035% | 1,290 |
| Core capital (leverage) ratio | 10.8571% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $145,654,000 | 3,505 |
| Average earning assets | $138,961,500 | 3,454 |
| Average equity | $16,114,500 | 3,305 |
| Average total loans | $129,131,750 | 2,838 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 515 |
| Cost of funding earning assets | 0.3623% | 1,176 |
| Net interest margin | 3.9559% | 546 |
| Noninterest income to average assets | 0.3767% | 2,894 |
| Noninterest expense to average assets | 2.5060% | 1,911 |
| Loan and lease loss provision to assets | 0.0293% | 2,068 |
| Net operating income to assets | 1.6200% | 526 |
| Return on assets (ROA) | 1.4762% | 730 |
| Pretax return on assets | 1.4762% | 1,233 |
| Return on Equity (ROE) | 13.1909% | 1,328 |
| Retained earnings to average equity (ytd only) | 3.3040% | 3,348 |
| Net charge-offs to loans | -0.1268% | 4,499 |
| Credit loss provision to net charge-offs | -26.2500% | 2,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3089% | 3,260 |
| Assets per employee ($millions) | 5.5853% | 3,137 |
| Cash dividends to net income (ytd only)* | 74.9527% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,568 |
| Loan loss allowance to noncurrent loans | 303.6782% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 1,808 |
| Noncurrent loans to loans | 0.3313% | 2,149 |
| Net loans and leases to total assets | 89.5191% | 27 |
| Net loans and leases to deposits | 103.6808% | 176 |
| Net loans and leases to core deposits | 117.2602% | 228 |
| Total domestic deposits to total assets | 86.3411% | 3,160 |
| Equity capital to assets | 11.1378% | 1,157 |
| Core capital (leverage) ratio | 11.1897% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,337,333 | 3,570 |
| Average earning assets | $136,910,000 | 3,525 |
| Average equity | $16,041,333 | 3,404 |
| Average total loans | $126,226,333 | 2,882 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 475 |
| Cost of funding earning assets | 0.3469% | 1,236 |
| Net interest margin | 3.9131% | 487 |
| Noninterest income to average assets | 0.3876% | 2,771 |
| Noninterest expense to average assets | 2.4467% | 2,027 |
| Loan and lease loss provision to assets | 0.0309% | 1,812 |
| Net operating income to assets | 1.6489% | 457 |
| Return on assets (ROA) | 1.4663% | 680 |
| Pretax return on assets | 1.4663% | 1,087 |
| Return on Equity (ROE) | 13.0704% | 1,014 |
| Retained earnings to average equity (ytd only) | 3.2551% | 3,176 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2920% | 3,556 |
| Assets per employee ($millions) | 5.7737% | 3,035 |
| Cash dividends to net income (ytd only)* | 75.0958% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 3,761 |
| Loan loss allowance to noncurrent loans | 284.9537% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 1,924 |
| Noncurrent loans to loans | 0.3485% | 2,238 |
| Net loans and leases to total assets | 85.0266% | 66 |
| Net loans and leases to deposits | 97.0290% | 254 |
| Net loans and leases to core deposits | 112.7308% | 211 |
| Total domestic deposits to total assets | 87.6302% | 2,697 |
| Equity capital to assets | 11.1124% | 1,279 |
| Core capital (leverage) ratio | 11.2495% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,397,500 | 3,593 |
| Average earning assets | $136,054,500 | 3,550 |
| Average equity | $15,975,000 | 3,477 |
| Average total loans | $123,680,500 | 2,912 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7819% | 369 |
| Cost of funding earning assets | 0.4204% | 1,389 |
| Net interest margin | 4.3614% | 358 |
| Noninterest income to average assets | 0.4163% | 2,968 |
| Noninterest expense to average assets | 2.6876% | 1,664 |
| Loan and lease loss provision to assets | 0.0306% | 2,445 |
| Net operating income to assets | 1.8580% | 451 |
| Return on assets (ROA) | 1.8514% | 479 |
| Pretax return on assets | 1.8514% | 809 |
| Return on Equity (ROE) | 16.3039% | 707 |
| Retained earnings to average equity (ytd only) | 4.0760% | 3,192 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7309% | 3,324 |
| Assets per employee ($millions) | 5.6181% | 3,148 |
| Cash dividends to net income (ytd only)* | 75.0000% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,793 |
| Loan loss allowance to noncurrent loans | 279.1762% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 1,993 |
| Noncurrent loans to loans | 0.3541% | 2,317 |
| Net loans and leases to total assets | 86.9906% | 46 |
| Net loans and leases to deposits | 99.5146% | 204 |
| Net loans and leases to core deposits | 110.2489% | 281 |
| Total domestic deposits to total assets | 87.4149% | 2,328 |
| Equity capital to assets | 11.3277% | 1,586 |
| Core capital (leverage) ratio | 11.4160% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,408,400 | 3,604 |
| Average earning assets | $131,057,600 | 3,561 |
| Average equity | $15,603,600 | 3,576 |
| Average total loans | $119,694,200 | 2,954 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 316 |
| Cost of funding earning assets | 0.4412% | 1,413 |
| Net interest margin | 4.5336% | 293 |
| Noninterest income to average assets | 0.3474% | 3,374 |
| Noninterest expense to average assets | 2.6364% | 1,732 |
| Loan and lease loss provision to assets | 0.0315% | 2,366 |
| Net operating income to assets | 2.0012% | 465 |
| Return on assets (ROA) | 2.0080% | 480 |
| Pretax return on assets | 2.0080% | 785 |
| Return on Equity (ROE) | 17.6720% | 668 |
| Retained earnings to average equity (ytd only) | 4.4137% | 3,442 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4681% | 3,474 |
| Assets per employee ($millions) | 6.2000% | 2,503 |
| Cash dividends to net income (ytd only)* | 75.0243% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,884 |
| Loan loss allowance to noncurrent loans | 40,333.3333% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,268 |
| Noncurrent loans to loans | 0.0025% | 4,205 |
| Net loans and leases to total assets | 88.8578% | 29 |
| Net loans and leases to deposits | 102.1207% | 186 |
| Net loans and leases to core deposits | 113.6180% | 261 |
| Total domestic deposits to total assets | 87.0125% | 2,349 |
| Equity capital to assets | 11.5748% | 1,624 |
| Core capital (leverage) ratio | 11.3552% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,647,500 | 3,656 |
| Average earning assets | $130,254,250 | 3,611 |
| Average equity | $15,527,000 | 3,628 |
| Average total loans | $118,767,750 | 3,002 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 358 |
| Cost of funding earning assets | 0.4606% | 1,446 |
| Net interest margin | 4.5061% | 347 |
| Noninterest income to average assets | 0.3408% | 3,401 |
| Noninterest expense to average assets | 2.5934% | 1,878 |
| Loan and lease loss provision to assets | 0.0307% | 2,364 |
| Net operating income to assets | 2.0098% | 479 |
| Return on assets (ROA) | 2.0434% | 479 |
| Pretax return on assets | 2.0434% | 763 |
| Return on Equity (ROE) | 18.0959% | 638 |
| Retained earnings to average equity (ytd only) | 4.5078% | 3,359 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9659% | 3,544 |
| Assets per employee ($millions) | 6.4273% | 2,216 |
| Cash dividends to net income (ytd only)* | 75.0895% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,859 |
| Loan loss allowance to noncurrent loans | 23,980.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,303 |
| Noncurrent loans to loans | 0.0041% | 4,240 |
| Net loans and leases to total assets | 84.8204% | 111 |
| Net loans and leases to deposits | 97.4456% | 336 |
| Net loans and leases to core deposits | 108.6170% | 398 |
| Total domestic deposits to total assets | 87.0438% | 2,293 |
| Equity capital to assets | 11.0431% | 1,949 |
| Core capital (leverage) ratio | 11.1718% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,730,000 | 3,668 |
| Average earning assets | $130,268,333 | 3,623 |
| Average equity | $15,440,000 | 3,641 |
| Average total loans | $117,553,000 | 3,030 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 607 |
| Cost of funding earning assets | 0.4861% | 1,481 |
| Net interest margin | 4.1629% | 645 |
| Noninterest income to average assets | 0.3363% | 3,420 |
| Noninterest expense to average assets | 2.4435% | 2,344 |
| Loan and lease loss provision to assets | 0.0327% | 2,340 |
| Net operating income to assets | 1.8364% | 738 |
| Return on assets (ROA) | 1.9048% | 711 |
| Pretax return on assets | 1.9048% | 1,107 |
| Return on Equity (ROE) | 16.6748% | 895 |
| Retained earnings to average equity (ytd only) | 4.1687% | 3,453 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6598% | 3,469 |
| Assets per employee ($millions) | 6.2728% | 2,347 |
| Cash dividends to net income (ytd only)* | 75.0000% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,719 |
| Loan loss allowance to noncurrent loans | 142.2754% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 1,578 |
| Noncurrent loans to loans | 0.7247% | 1,792 |
| Net loans and leases to total assets | 82.6300% | 199 |
| Net loans and leases to deposits | 95.0433% | 437 |
| Net loans and leases to core deposits | 105.9876% | 514 |
| Total domestic deposits to total assets | 86.9393% | 2,335 |
| Equity capital to assets | 11.1817% | 1,737 |
| Core capital (leverage) ratio | 11.4617% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,395,000 | 3,693 |
| Average earning assets | $128,371,000 | 3,646 |
| Average equity | $15,352,500 | 3,649 |
| Average total loans | $115,762,000 | 3,055 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 396 |
| Cost of funding earning assets | 0.7720% | 1,335 |
| Net interest margin | 4.3452% | 461 |
| Noninterest income to average assets | 0.4284% | 2,971 |
| Noninterest expense to average assets | 2.5063% | 2,833 |
| Loan and lease loss provision to assets | 0.0322% | 3,996 |
| Net operating income to assets | 2.0227% | 252 |
| Return on assets (ROA) | 2.0066% | 277 |
| Pretax return on assets | 2.0066% | 449 |
| Return on Equity (ROE) | 17.5059% | 370 |
| Retained earnings to average equity (ytd only) | 4.2795% | 2,662 |
| Net charge-offs to loans | 0.0124% | 2,890 |
| Credit loss provision to net charge-offs | 300.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 191.5000% | 484 |
| Efficiency ratio | 54.9487% | 4,098 |
| Assets per employee ($millions) | 5.9449% | 2,390 |
| Cash dividends to net income (ytd only)* | 75.5539% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,821 |
| Loan loss allowance to noncurrent loans | 141.0778% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 1,647 |
| Noncurrent loans to loans | 0.7179% | 1,904 |
| Net loans and leases to total assets | 88.0257% | 45 |
| Net loans and leases to deposits | 101.9852% | 312 |
| Net loans and leases to core deposits | 114.9178% | 387 |
| Total domestic deposits to total assets | 86.3122% | 2,229 |
| Equity capital to assets | 11.6784% | 1,747 |
| Core capital (leverage) ratio | 11.5786% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,472,000 | 3,617 |
| Average earning assets | $124,092,200 | 3,581 |
| Average equity | $14,955,000 | 3,659 |
| Average total loans | $112,924,600 | 3,054 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2788% | 357 |
| Cost of funding earning assets | 0.8371% | 1,325 |
| Net interest margin | 4.4417% | 439 |
| Noninterest income to average assets | 0.3405% | 3,437 |
| Noninterest expense to average assets | 2.4510% | 2,984 |
| Loan and lease loss provision to assets | 0.0330% | 3,925 |
| Net operating income to assets | 2.0778% | 253 |
| Return on assets (ROA) | 2.0798% | 274 |
| Pretax return on assets | 2.0798% | 438 |
| Return on Equity (ROE) | 18.2312% | 342 |
| Retained earnings to average equity (ytd only) | 4.5623% | 2,766 |
| Net charge-offs to loans | 0.0167% | 2,536 |
| Credit loss provision to net charge-offs | 228.5714% | 1,999 |
| Earnings coverage of net charge-offs (x) | 147.4286% | 610 |
| Efficiency ratio | 53.7323% | 4,177 |
| Assets per employee ($millions) | 5.9744% | 2,290 |
| Cash dividends to net income (ytd only)* | 74.9754% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,747 |
| Loan loss allowance to noncurrent loans | 5,078.2609% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,392 |
| Noncurrent loans to loans | 0.0195% | 4,339 |
| Net loans and leases to total assets | 88.9582% | 61 |
| Net loans and leases to deposits | 102.8889% | 421 |
| Net loans and leases to core deposits | 116.2671% | 495 |
| Total domestic deposits to total assets | 86.4604% | 1,878 |
| Equity capital to assets | 11.5257% | 1,987 |
| Core capital (leverage) ratio | 11.4498% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,393,000 | 3,610 |
| Average earning assets | $123,913,250 | 3,564 |
| Average equity | $14,875,250 | 3,670 |
| Average total loans | $112,079,500 | 3,078 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4138% | 393 |
| Cost of funding earning assets | 0.9085% | 1,336 |
| Net interest margin | 4.5053% | 495 |
| Noninterest income to average assets | 0.3506% | 3,376 |
| Noninterest expense to average assets | 2.4468% | 3,115 |
| Loan and lease loss provision to assets | 0.0323% | 3,862 |
| Net operating income to assets | 2.1500% | 238 |
| Return on assets (ROA) | 2.1562% | 260 |
| Pretax return on assets | 2.1562% | 389 |
| Return on Equity (ROE) | 18.9665% | 306 |
| Retained earnings to average equity (ytd only) | 3.7473% | 3,043 |
| Net charge-offs to loans | 0.0055% | 2,767 |
| Credit loss provision to net charge-offs | 700.0000% | 1,003 |
| Earnings coverage of net charge-offs (x) | 473.0000% | 216 |
| Efficiency ratio | 52.8571% | 4,284 |
| Assets per employee ($millions) | 6.1942% | 2,029 |
| Cash dividends to net income (ytd only)* | 80.2425% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,437 |
| Loan loss allowance to noncurrent loans | 136.7681% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 1,944 |
| Noncurrent loans to loans | 0.7500% | 2,006 |
| Net loans and leases to total assets | 82.6980% | 352 |
| Net loans and leases to deposits | 95.4492% | 838 |
| Net loans and leases to core deposits | 108.3314% | 800 |
| Total domestic deposits to total assets | 86.6408% | 1,756 |
| Equity capital to assets | 10.9420% | 2,399 |
| Core capital (leverage) ratio | 11.1835% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,045,000 | 3,596 |
| Average earning assets | $123,500,333 | 3,559 |
| Average equity | $14,784,000 | 3,682 |
| Average total loans | $110,075,333 | 3,100 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4649% | 402 |
| Cost of funding earning assets | 0.9585% | 1,613 |
| Net interest margin | 4.5064% | 495 |
| Noninterest income to average assets | 0.4002% | 3,102 |
| Noninterest expense to average assets | 2.4549% | 3,407 |
| Loan and lease loss provision to assets | 0.0347% | 3,334 |
| Net operating income to assets | 2.1776% | 187 |
| Return on assets (ROA) | 2.1776% | 207 |
| Pretax return on assets | 2.1776% | 307 |
| Return on Equity (ROE) | 18.7765% | 222 |
| Retained earnings to average equity (ytd only) | 4.7009% | 2,416 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5996% | 4,504 |
| Assets per employee ($millions) | 6.0157% | 1,669 |
| Cash dividends to net income (ytd only)* | 74.9638% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 3,246 |
| Loan loss allowance to noncurrent loans | 135.9485% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 1,971 |
| Noncurrent loans to loans | 0.8034% | 2,001 |
| Net loans and leases to total assets | 83.2255% | 334 |
| Net loans and leases to deposits | 96.9032% | 828 |
| Net loans and leases to core deposits | 110.7952% | 811 |
| Total domestic deposits to total assets | 85.8853% | 2,042 |
| Equity capital to assets | 11.7210% | 2,267 |
| Core capital (leverage) ratio | 11.7436% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,931,000 | 3,621 |
| Average earning assets | $120,184,500 | 3,578 |
| Average equity | $14,720,500 | 3,692 |
| Average total loans | $108,181,500 | 3,106 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0233% | 217 |
| Cost of funding earning assets | 0.9544% | 1,933 |
| Net interest margin | 5.0689% | 230 |
| Noninterest income to average assets | 0.4110% | 3,225 |
| Noninterest expense to average assets | 2.5179% | 3,394 |
| Loan and lease loss provision to assets | 0.0296% | 3,420 |
| Net operating income to assets | 2.6451% | 110 |
| Return on assets (ROA) | 2.6451% | 117 |
| Pretax return on assets | 2.6451% | 161 |
| Return on Equity (ROE) | 23.2539% | 106 |
| Retained earnings to average equity (ytd only) | 5.8135% | 1,973 |
| Net charge-offs to loans | 0.0970% | 1,753 |
| Credit loss provision to net charge-offs | 33.3333% | 3,250 |
| Earnings coverage of net charge-offs (x) | 30.1351% | 1,580 |
| Efficiency ratio | 48.4909% | 4,805 |
| Assets per employee ($millions) | 6.0730% | 1,584 |
| Cash dividends to net income (ytd only)* | 75.0000% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,244 |
| Loan loss allowance to noncurrent loans | 132.4511% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 1,891 |
| Noncurrent loans to loans | 0.7895% | 1,930 |
| Net loans and leases to total assets | 85.3999% | 209 |
| Net loans and leases to deposits | 99.1651% | 655 |
| Net loans and leases to core deposits | 112.1716% | 746 |
| Total domestic deposits to total assets | 86.1189% | 2,025 |
| Equity capital to assets | 11.4747% | 2,549 |
| Core capital (leverage) ratio | 11.3810% | 2,199 |
| Tier 1 risk-based capital ratio | 14.2949% | 3,124 |
| Total risk-based capital ratio | 15.4193% | 3,092 |
| Memoranda: | ||
| Average total assets | $125,062,800 | 3,629 |
| Average earning assets | $117,974,800 | 3,589 |
| Average equity | $14,225,600 | 3,719 |
| Average total loans | $114,440,000 | 3,012 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0615% | 212 |
| Cost of funding earning assets | 0.9447% | 2,015 |
| Net interest margin | 5.1168% | 223 |
| Noninterest income to average assets | 0.3643% | 3,540 |
| Noninterest expense to average assets | 2.4578% | 3,546 |
| Loan and lease loss provision to assets | 0.0279% | 3,347 |
| Net operating income to assets | 2.7010% | 119 |
| Return on assets (ROA) | 2.7010% | 125 |
| Pretax return on assets | 2.7010% | 170 |
| Return on Equity (ROE) | 23.7990% | 114 |
| Retained earnings to average equity (ytd only) | 5.9474% | 2,398 |
| Net charge-offs to loans | 0.1281% | 1,237 |
| Credit loss provision to net charge-offs | 23.4234% | 2,948 |
| Earnings coverage of net charge-offs (x) | 22.9454% | 1,848 |
| Efficiency ratio | 47.3869% | 4,886 |
| Assets per employee ($millions) | 5.7634% | 1,796 |
| Cash dividends to net income (ytd only)* | 75.0099% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,651 |
| Loan loss allowance to noncurrent loans | 202.4867% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 2,666 |
| Noncurrent loans to loans | 0.4871% | 2,838 |
| Net loans and leases to total assets | 94.5519% | 6 |
| Net loans and leases to deposits | 112.4952% | 167 |
| Net loans and leases to core deposits | 125.0497% | 386 |
| Total domestic deposits to total assets | 84.0497% | 2,802 |
| Equity capital to assets | 11.9291% | 2,311 |
| Core capital (leverage) ratio | 11.7711% | 2,029 |
| Tier 1 risk-based capital ratio | 14.8126% | 2,944 |
| Total risk-based capital ratio | 15.9822% | 2,904 |
| Memoranda: | ||
| Average total assets | $124,445,250 | 3,673 |
| Average earning assets | $117,284,000 | 3,629 |
| Average equity | $14,123,500 | 3,766 |
| Average total loans | $115,534,000 | 3,032 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9527% | 256 |
| Cost of funding earning assets | 0.9135% | 2,082 |
| Net interest margin | 5.0392% | 268 |
| Noninterest income to average assets | 0.3583% | 3,535 |
| Noninterest expense to average assets | 2.3920% | 3,754 |
| Loan and lease loss provision to assets | 0.0255% | 3,305 |
| Net operating income to assets | 2.6851% | 122 |
| Return on assets (ROA) | 2.6851% | 127 |
| Pretax return on assets | 2.6851% | 190 |
| Return on Equity (ROE) | 24.0536% | 116 |
| Retained earnings to average equity (ytd only) | 6.0205% | 2,276 |
| Net charge-offs to loans | 0.1922% | 861 |
| Credit loss provision to net charge-offs | 14.4144% | 2,680 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,991 |
| Efficiency ratio | 46.8789% | 4,944 |
| Assets per employee ($millions) | 5.8589% | 1,653 |
| Cash dividends to net income (ytd only)* | 74.9703% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,773 |
| Loan loss allowance to noncurrent loans | 168.2563% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 2,373 |
| Noncurrent loans to loans | 0.5779% | 2,528 |
| Net loans and leases to total assets | 93.4564% | 10 |
| Net loans and leases to deposits | 108.7945% | 251 |
| Net loans and leases to core deposits | 122.1177% | 483 |
| Total domestic deposits to total assets | 85.9018% | 2,086 |
| Equity capital to assets | 11.5648% | 2,562 |
| Core capital (leverage) ratio | 11.4397% | 2,218 |
| Tier 1 risk-based capital ratio | 13.4359% | 3,614 |
| Total risk-based capital ratio | 14.5029% | 3,614 |
| Memoranda: | ||
| Average total assets | $125,583,000 | 3,682 |
| Average earning assets | $118,232,670 | 3,642 |
| Average equity | $14,018,670 | 3,785 |
| Average total loans | $115,519,330 | 3,039 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8249% | 296 |
| Cost of funding earning assets | 0.8828% | 2,076 |
| Net interest margin | 4.9422% | 313 |
| Noninterest income to average assets | 0.3595% | 3,451 |
| Noninterest expense to average assets | 2.3176% | 3,973 |
| Loan and lease loss provision to assets | 0.0221% | 3,153 |
| Net operating income to assets | 2.6802% | 127 |
| Return on assets (ROA) | 2.6802% | 137 |
| Pretax return on assets | 2.6802% | 189 |
| Return on Equity (ROE) | 24.4367% | 110 |
| Retained earnings to average equity (ytd only) | 6.1235% | 2,403 |
| Net charge-offs to loans | 0.3610% | 432 |
| Credit loss provision to net charge-offs | 6.7308% | 2,191 |
| Earnings coverage of net charge-offs (x) | 8.2404% | 2,093 |
| Efficiency ratio | 46.1683% | 5,023 |
| Assets per employee ($millions) | 6.0688% | 1,495 |
| Cash dividends to net income (ytd only)* | 74.9412% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,745 |
| Loan loss allowance to noncurrent loans | 1,295.4023% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 4,478 |
| Noncurrent loans to loans | 0.0768% | 4,417 |
| Net loans and leases to total assets | 88.0191% | 97 |
| Net loans and leases to deposits | 101.6971% | 515 |
| Net loans and leases to core deposits | 113.5408% | 762 |
| Total domestic deposits to total assets | 86.5503% | 2,039 |
| Equity capital to assets | 11.0008% | 2,851 |
| Core capital (leverage) ratio | 11.2210% | 2,370 |
| Tier 1 risk-based capital ratio | 13.9747% | 3,348 |
| Total risk-based capital ratio | 15.0991% | 3,334 |
| Memoranda: | ||
| Average total assets | $126,856,000 | 3,698 |
| Average earning assets | $119,623,500 | 3,662 |
| Average equity | $13,913,500 | 3,815 |
| Average total loans | $115,221,500 | 3,076 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5616% | 351 |
| Cost of funding earning assets | 0.6891% | 2,152 |
| Net interest margin | 4.8724% | 339 |
| Noninterest income to average assets | 0.4734% | 2,978 |
| Noninterest expense to average assets | 2.3067% | 4,105 |
| Loan and lease loss provision to assets | 0.0239% | 3,692 |
| Net operating income to assets | 2.7562% | 107 |
| Return on assets (ROA) | 2.7562% | 108 |
| Pretax return on assets | 2.7562% | 138 |
| Return on Equity (ROE) | 25.8991% | 79 |
| Retained earnings to average equity (ytd only) | 6.4748% | 1,938 |
| Net charge-offs to loans | 0.0043% | 3,571 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 698.8000% | 158 |
| Efficiency ratio | 45.3465% | 5,137 |
| Assets per employee ($millions) | 6.0127% | 1,511 |
| Cash dividends to net income (ytd only)* | 75.0000% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,422 |
| Loan loss allowance to noncurrent loans | 571.9626% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 3,971 |
| Noncurrent loans to loans | 0.1827% | 3,928 |
| Net loans and leases to total assets | 91.8023% | 29 |
| Net loans and leases to deposits | 105.9755% | 371 |
| Net loans and leases to core deposits | 119.1460% | 573 |
| Total domestic deposits to total assets | 86.6260% | 1,955 |
| Equity capital to assets | 10.9348% | 2,752 |
| Core capital (leverage) ratio | 11.0583% | 2,474 |
| Tier 1 risk-based capital ratio | 13.5765% | 3,508 |
| Total risk-based capital ratio | 14.7810% | 3,436 |
| Memoranda: | ||
| Average total assets | $125,679,000 | 3,704 |
| Average earning assets | $118,995,600 | 3,662 |
| Average equity | $13,375,000 | 3,831 |
| Average total loans | $116,535,400 | 3,035 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 380 |
| Cost of funding earning assets | 0.6505% | 2,147 |
| Net interest margin | 4.8305% | 357 |
| Noninterest income to average assets | 0.4089% | 3,430 |
| Noninterest expense to average assets | 2.2326% | 4,251 |
| Loan and lease loss provision to assets | 0.0244% | 3,529 |
| Net operating income to assets | 2.7265% | 112 |
| Return on assets (ROA) | 2.7265% | 112 |
| Pretax return on assets | 2.7265% | 158 |
| Return on Equity (ROE) | 25.7977% | 76 |
| Retained earnings to average equity (ytd only) | 6.4519% | 2,408 |
| Net charge-offs to loans | 0.0023% | 3,405 |
| Credit loss provision to net charge-offs | 1,150.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 1,293.3521% | 60 |
| Efficiency ratio | 44.7997% | 5,193 |
| Assets per employee ($millions) | 5.9210% | 1,551 |
| Cash dividends to net income (ytd only)* | 74.9902% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,408 |
| Loan loss allowance to noncurrent loans | 4,692.3077% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 4,887 |
| Noncurrent loans to loans | 0.0226% | 4,802 |
| Net loans and leases to total assets | 91.4791% | 35 |
| Net loans and leases to deposits | 105.5853% | 459 |
| Net loans and leases to core deposits | 115.3036% | 747 |
| Total domestic deposits to total assets | 86.6401% | 1,901 |
| Equity capital to assets | 10.9239% | 2,728 |
| Core capital (leverage) ratio | 10.9370% | 2,636 |
| Tier 1 risk-based capital ratio | 13.7023% | 3,510 |
| Total risk-based capital ratio | 14.9331% | 3,440 |
| Memoranda: | ||
| Average total assets | $125,532,000 | 3,742 |
| Average earning assets | $118,880,500 | 3,703 |
| Average equity | $13,267,000 | 3,878 |
| Average total loans | $116,384,250 | 3,063 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 406 |
| Cost of funding earning assets | 0.6249% | 2,074 |
| Net interest margin | 4.7560% | 386 |
| Noninterest income to average assets | 0.4066% | 3,439 |
| Noninterest expense to average assets | 2.0694% | 4,679 |
| Loan and lease loss provision to assets | 0.0238% | 3,444 |
| Net operating income to assets | 2.8095% | 98 |
| Return on assets (ROA) | 2.8095% | 98 |
| Pretax return on assets | 2.8095% | 141 |
| Return on Equity (ROE) | 26.8811% | 55 |
| Retained earnings to average equity (ytd only) | 6.7317% | 2,197 |
| Net charge-offs to loans | 0.0633% | 1,713 |
| Credit loss provision to net charge-offs | 40.5405% | 2,559 |
| Earnings coverage of net charge-offs (x) | 48.2162% | 1,150 |
| Efficiency ratio | 42.2093% | 5,336 |
| Assets per employee ($millions) | 6.2366% | 1,310 |
| Cash dividends to net income (ytd only)* | 74.9576% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,687 |
| Loan loss allowance to noncurrent loans | 4,058.6207% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,913 |
| Noncurrent loans to loans | 0.0252% | 4,817 |
| Net loans and leases to total assets | 91.1482% | 49 |
| Net loans and leases to deposits | 104.9885% | 482 |
| Net loans and leases to core deposits | 115.2480% | 734 |
| Total domestic deposits to total assets | 86.8173% | 1,926 |
| Equity capital to assets | 10.7302% | 2,902 |
| Core capital (leverage) ratio | 10.6309% | 2,887 |
| Tier 1 risk-based capital ratio | 13.6407% | 3,537 |
| Total risk-based capital ratio | 14.8403% | 3,479 |
| Memoranda: | ||
| Average total assets | $125,928,670 | 3,760 |
| Average earning assets | $119,050,000 | 3,730 |
| Average equity | $13,161,670 | 3,909 |
| Average total loans | $116,856,670 | 3,073 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 423 |
| Cost of funding earning assets | 0.5778% | 2,187 |
| Net interest margin | 4.6990% | 406 |
| Noninterest income to average assets | 0.4015% | 3,455 |
| Noninterest expense to average assets | 2.0581% | 4,745 |
| Loan and lease loss provision to assets | 0.0221% | 3,241 |
| Net operating income to assets | 2.7694% | 95 |
| Return on assets (ROA) | 2.7694% | 95 |
| Pretax return on assets | 2.7694% | 142 |
| Return on Equity (ROE) | 26.8495% | 69 |
| Retained earnings to average equity (ytd only) | 6.7124% | 2,407 |
| Net charge-offs to loans | 0.0238% | 2,029 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 126.1429% | 509 |
| Efficiency ratio | 42.4381% | 5,390 |
| Assets per employee ($millions) | 6.3387% | 1,290 |
| Cash dividends to net income (ytd only)* | 75.0000% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,748 |
| Loan loss allowance to noncurrent loans | 308.2262% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 3,615 |
| Noncurrent loans to loans | 0.3364% | 3,556 |
| Net loans and leases to total assets | 90.2764% | 59 |
| Net loans and leases to deposits | 103.4895% | 508 |
| Net loans and leases to core deposits | 112.1590% | 882 |
| Total domestic deposits to total assets | 87.2324% | 2,026 |
| Equity capital to assets | 10.3807% | 3,187 |
| Core capital (leverage) ratio | 10.5323% | 2,904 |
| Tier 1 risk-based capital ratio | 13.2293% | 3,830 |
| Total risk-based capital ratio | 14.4356% | 3,756 |
| Memoranda: | ||
| Average total assets | $126,527,000 | 3,783 |
| Average earning assets | $119,769,500 | 3,753 |
| Average equity | $13,050,500 | 3,957 |
| Average total loans | $117,851,000 | 3,092 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2018% | 445 |
| Cost of funding earning assets | 0.4505% | 2,770 |
| Net interest margin | 4.7514% | 386 |
| Noninterest income to average assets | 0.4531% | 3,291 |
| Noninterest expense to average assets | 2.2459% | 4,444 |
| Loan and lease loss provision to assets | 0.0246% | 3,804 |
| Net operating income to assets | 2.6941% | 96 |
| Return on assets (ROA) | 2.6941% | 95 |
| Pretax return on assets | 2.6941% | 134 |
| Return on Equity (ROE) | 26.2616% | 56 |
| Retained earnings to average equity (ytd only) | 6.5654% | 1,250 |
| Net charge-offs to loans | 0.0061% | 3,867 |
| Credit loss provision to net charge-offs | 428.5714% | 724 |
| Earnings coverage of net charge-offs (x) | 474.0000% | 184 |
| Efficiency ratio | 45.2385% | 5,416 |
| Assets per employee ($millions) | 6.3140% | 1,307 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,964 |
| Loan loss allowance to noncurrent loans | 1,303.2609% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 4,753 |
| Noncurrent loans to loans | 0.0766% | 4,655 |
| Net loans and leases to total assets | 94.1218% | 8 |
| Net loans and leases to deposits | 113.4543% | 188 |
| Net loans and leases to core deposits | 119.7986% | 591 |
| Total domestic deposits to total assets | 82.9601% | 3,575 |
| Equity capital to assets | 10.2479% | 3,437 |
| Core capital (leverage) ratio | 10.4103% | 2,954 |
| Tier 1 risk-based capital ratio | 12.7833% | 4,043 |
| Total risk-based capital ratio | 13.9676% | 3,977 |
| Memoranda: | ||
| Average total assets | $122,045,600 | 3,857 |
| Average earning assets | $115,882,000 | 3,818 |
| Average equity | $12,520,200 | 4,052 |
| Average total loans | $115,362,800 | 3,115 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 474 |
| Cost of funding earning assets | 0.4361% | 2,846 |
| Net interest margin | 4.6986% | 410 |
| Noninterest income to average assets | 0.3912% | 3,746 |
| Noninterest expense to average assets | 2.1886% | 4,552 |
| Loan and lease loss provision to assets | 0.0253% | 3,629 |
| Net operating income to assets | 2.6415% | 111 |
| Return on assets (ROA) | 2.6415% | 110 |
| Pretax return on assets | 2.6415% | 170 |
| Return on Equity (ROE) | 25.7424% | 64 |
| Retained earnings to average equity (ytd only) | 6.4437% | 1,990 |
| Net charge-offs to loans | 0.0082% | 3,437 |
| Credit loss provision to net charge-offs | 328.5714% | 913 |
| Earnings coverage of net charge-offs (x) | 345.8296% | 272 |
| Efficiency ratio | 45.0749% | 5,444 |
| Assets per employee ($millions) | 6.2049% | 1,375 |
| Cash dividends to net income (ytd only)* | 74.9687% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,994 |
| Loan loss allowance to noncurrent loans | 4,411.1111% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 5,143 |
| Noncurrent loans to loans | 0.0229% | 5,022 |
| Net loans and leases to total assets | 93.9959% | 8 |
| Net loans and leases to deposits | 109.6523% | 287 |
| Net loans and leases to core deposits | 115.3904% | 769 |
| Total domestic deposits to total assets | 85.7218% | 2,423 |
| Equity capital to assets | 10.2492% | 3,640 |
| Core capital (leverage) ratio | 10.3481% | 3,142 |
| Tier 1 risk-based capital ratio | 12.7444% | 4,179 |
| Total risk-based capital ratio | 13.9377% | 4,107 |
| Memoranda: | ||
| Average total assets | $120,987,000 | 3,919 |
| Average earning assets | $114,954,500 | 3,868 |
| Average equity | $12,415,000 | 4,110 |
| Average total loans | $114,189,500 | 3,161 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 525 |
| Cost of funding earning assets | 0.4328% | 2,776 |
| Net interest margin | 4.6134% | 469 |
| Noninterest income to average assets | 0.3902% | 3,748 |
| Noninterest expense to average assets | 2.1642% | 4,642 |
| Loan and lease loss provision to assets | 0.0250% | 3,499 |
| Net operating income to assets | 2.5911% | 119 |
| Return on assets (ROA) | 2.5911% | 117 |
| Pretax return on assets | 2.5911% | 187 |
| Return on Equity (ROE) | 25.2402% | 76 |
| Retained earnings to average equity (ytd only) | 6.3182% | 1,956 |
| Net charge-offs to loans | 0.0124% | 3,020 |
| Credit loss provision to net charge-offs | 214.2857% | 1,208 |
| Earnings coverage of net charge-offs (x) | 224.1429% | 376 |
| Efficiency ratio | 45.2738% | 5,483 |
| Assets per employee ($millions) | 6.0810% | 1,397 |
| Cash dividends to net income (ytd only)* | 74.9678% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 91.7703% | 41 |
| Net loans and leases to deposits | 105.1099% | 438 |
| Net loans and leases to core deposits | 110.2821% | 989 |
| Total domestic deposits to total assets | 87.3088% | 1,801 |
| Equity capital to assets | 10.2845% | 3,584 |
| Core capital (leverage) ratio | 10.3723% | 3,047 |
| Tier 1 risk-based capital ratio | 13.1199% | 3,934 |
| Total risk-based capital ratio | 14.3618% | 3,848 |
| Memoranda: | ||
| Average total assets | $119,950,000 | 3,965 |
| Average earning assets | $114,145,000 | 3,909 |
| Average equity | $12,313,670 | 4,141 |
| Average total loans | $112,973,330 | 3,180 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0096% | 518 |
| Cost of funding earning assets | 0.4339% | 2,671 |
| Net interest margin | 4.5757% | 456 |
| Noninterest income to average assets | 0.3795% | 3,812 |
| Noninterest expense to average assets | 2.1055% | 4,836 |
| Loan and lease loss provision to assets | 0.0235% | 3,276 |
| Net operating income to assets | 2.6059% | 118 |
| Return on assets (ROA) | 2.6059% | 122 |
| Pretax return on assets | 2.6059% | 187 |
| Return on Equity (ROE) | 25.4083% | 82 |
| Retained earnings to average equity (ytd only) | 6.3521% | 2,161 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4681% | 5,580 |
| Assets per employee ($millions) | 6.2822% | 1,310 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 93.4242% | 9 |
| Net loans and leases to deposits | 107.1149% | 283 |
| Net loans and leases to core deposits | 113.4254% | 706 |
| Total domestic deposits to total assets | 87.2187% | 2,103 |
| Equity capital to assets | 10.3157% | 3,392 |
| Core capital (leverage) ratio | 10.3677% | 3,034 |
| Tier 1 risk-based capital ratio | 13.0829% | 4,035 |
| Total risk-based capital ratio | 14.3399% | 3,930 |
| Memoranda: | ||
| Average total assets | $119,115,000 | 4,010 |
| Average earning assets | $113,381,500 | 3,957 |
| Average equity | $12,216,500 | 4,177 |
| Average total loans | $113,062,500 | 3,199 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0749% | 522 |
| Cost of funding earning assets | 0.5301% | 1,868 |
| Net interest margin | 4.5448% | 562 |
| Noninterest income to average assets | 0.3997% | 3,888 |
| Noninterest expense to average assets | 2.0539% | 5,089 |
| Loan and lease loss provision to assets | 0.0145% | 4,088 |
| Net operating income to assets | 2.6064% | 128 |
| Return on assets (ROA) | 2.6064% | 129 |
| Pretax return on assets | 2.6064% | 173 |
| Return on Equity (ROE) | 27.6569% | 55 |
| Retained earnings to average equity (ytd only) | 6.9121% | 1,267 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9360% | 5,696 |
| Assets per employee ($millions) | 6.6038% | 1,100 |
| Cash dividends to net income (ytd only)* | 75.0077% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 4,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 94.4350% | 10 |
| Net loans and leases to deposits | 108.1154% | 271 |
| Net loans and leases to core deposits | 114.1212% | 690 |
| Total domestic deposits to total assets | 87.3465% | 1,958 |
| Equity capital to assets | 10.1962% | 3,494 |
| Core capital (leverage) ratio | 10.1965% | 3,228 |
| Tier 1 risk-based capital ratio | 12.8173% | 4,192 |
| Total risk-based capital ratio | 14.0609% | 4,089 |
| Memoranda: | ||
| Average total assets | $124,349,800 | 3,919 |
| Average earning assets | $116,968,000 | 3,887 |
| Average equity | $11,718,600 | 4,292 |
| Average total loans | $117,211,600 | 3,108 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 518 |
| Cost of funding earning assets | 0.5621% | 1,597 |
| Net interest margin | 4.5182% | 600 |
| Noninterest income to average assets | 0.3489% | 4,292 |
| Noninterest expense to average assets | 1.9726% | 5,259 |
| Loan and lease loss provision to assets | 0.0106% | 4,030 |
| Net operating income to assets | 2.6025% | 142 |
| Return on assets (ROA) | 2.6025% | 145 |
| Pretax return on assets | 2.6025% | 190 |
| Return on Equity (ROE) | 28.1619% | 51 |
| Retained earnings to average equity (ytd only) | 7.0347% | 1,617 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0157% | 5,766 |
| Assets per employee ($millions) | 6.2970% | 1,238 |
| Cash dividends to net income (ytd only)* | 75.0205% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 4,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 88.6413% | 106 |
| Net loans and leases to deposits | 103.4299% | 485 |
| Net loans and leases to core deposits | 111.4190% | 839 |
| Total domestic deposits to total assets | 85.7018% | 2,507 |
| Equity capital to assets | 9.4665% | 4,695 |
| Core capital (leverage) ratio | 9.8214% | 3,788 |
| Tier 1 risk-based capital ratio | 12.3229% | 4,593 |
| Total risk-based capital ratio | 13.5301% | 4,521 |
| Memoranda: | ||
| Average total assets | $125,720,250 | 3,920 |
| Average earning assets | $117,890,250 | 3,887 |
| Average equity | $11,618,250 | 4,354 |
| Average total loans | $118,157,250 | 3,101 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0246% | 559 |
| Cost of funding earning assets | 0.5713% | 1,538 |
| Net interest margin | 4.4533% | 683 |
| Noninterest income to average assets | 0.3566% | 4,220 |
| Noninterest expense to average assets | 1.9595% | 5,352 |
| Loan and lease loss provision to assets | 0.0032% | 3,974 |
| Net operating income to assets | 2.6375% | 123 |
| Return on assets (ROA) | 2.6375% | 125 |
| Pretax return on assets | 2.6375% | 181 |
| Return on Equity (ROE) | 28.7749% | 51 |
| Retained earnings to average equity (ytd only) | 7.1894% | 1,514 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5952% | 5,854 |
| Assets per employee ($millions) | 6.6053% | 1,041 |
| Cash dividends to net income (ytd only)* | 75.0151% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 4,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 94.4335% | 7 |
| Net loans and leases to deposits | 113.5484% | 182 |
| Net loans and leases to core deposits | 123.1235% | 433 |
| Total domestic deposits to total assets | 83.1659% | 3,588 |
| Equity capital to assets | 9.3410% | 4,928 |
| Core capital (leverage) ratio | 9.3344% | 4,416 |
| Tier 1 risk-based capital ratio | 11.5013% | 5,154 |
| Total risk-based capital ratio | 12.6403% | 5,117 |
| Memoranda: | ||
| Average total assets | $125,647,330 | 3,950 |
| Average earning assets | $119,730,330 | 3,887 |
| Average equity | $11,517,000 | 4,393 |
| Average total loans | $119,942,330 | 3,079 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 558 |
| Cost of funding earning assets | 0.5750% | 1,510 |
| Net interest margin | 4.4428% | 679 |
| Noninterest income to average assets | 0.3754% | 4,034 |
| Noninterest expense to average assets | 1.9281% | 5,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.6758% | 126 |
| Return on assets (ROA) | 2.6758% | 126 |
| Pretax return on assets | 2.6758% | 182 |
| Return on Equity (ROE) | 29.4726% | 56 |
| Retained earnings to average equity (ytd only) | 7.3594% | 1,725 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8798% | 5,925 |
| Assets per employee ($millions) | 6.5485% | 1,082 |
| Cash dividends to net income (ytd only)* | 75.0297% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 94.9334% | 5 |
| Net loans and leases to deposits | 111.6005% | 196 |
| Net loans and leases to core deposits | 120.9148% | 442 |
| Total domestic deposits to total assets | 85.0653% | 3,106 |
| Equity capital to assets | 9.2580% | 4,935 |
| Core capital (leverage) ratio | 9.0675% | 4,774 |
| Tier 1 risk-based capital ratio | 11.4018% | 5,281 |
| Total risk-based capital ratio | 12.5480% | 5,249 |
| Memoranda: | ||
| Average total assets | $125,720,500 | 3,983 |
| Average earning assets | $119,654,500 | 3,914 |
| Average equity | $11,414,000 | 4,428 |
| Average total loans | $120,075,500 | 3,086 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 1,002 |
| Cost of funding earning assets | 0.6637% | 998 |
| Net interest margin | 4.0904% | 1,434 |
| Noninterest income to average assets | 0.3821% | 4,172 |
| Noninterest expense to average assets | 1.8650% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.4260% | 167 |
| Return on assets (ROA) | 2.4260% | 171 |
| Pretax return on assets | 2.4260% | 231 |
| Return on Equity (ROE) | 29.3720% | 63 |
| Retained earnings to average equity (ytd only) | 5.9878% | 1,795 |
| Net charge-offs to loans | 0.0217% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 123.5769% | 493 |
| Efficiency ratio | 43.4630% | 5,993 |
| Assets per employee ($millions) | 6.3510% | 1,166 |
| Cash dividends to net income (ytd only)* | 79.6141% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 4,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 94.2513% | 8 |
| Net loans and leases to deposits | 110.8871% | 224 |
| Net loans and leases to core deposits | 119.0527% | 501 |
| Total domestic deposits to total assets | 84.9975% | 3,092 |
| Equity capital to assets | 8.9034% | 5,218 |
| Core capital (leverage) ratio | 8.7704% | 5,144 |
| Tier 1 risk-based capital ratio | 11.1309% | 5,453 |
| Total risk-based capital ratio | 12.2707% | 5,413 |
| Memoranda: | ||
| Average total assets | $132,437,600 | 3,842 |
| Average earning assets | $126,565,000 | 3,765 |
| Average equity | $10,939,000 | 4,491 |
| Average total loans | $119,872,400 | 3,049 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 1,195 |
| Cost of funding earning assets | 0.6807% | 928 |
| Net interest margin | 3.9741% | 1,791 |
| Noninterest income to average assets | 0.3219% | 4,638 |
| Noninterest expense to average assets | 1.8137% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.3130% | 212 |
| Return on assets (ROA) | 2.3130% | 220 |
| Pretax return on assets | 2.3130% | 328 |
| Return on Equity (ROE) | 28.5308% | 68 |
| Retained earnings to average equity (ytd only) | 5.3104% | 2,716 |
| Net charge-offs to loans | 0.0290% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 89.2584% | 692 |
| Efficiency ratio | 43.9507% | 6,043 |
| Assets per employee ($millions) | 6.3609% | 1,146 |
| Cash dividends to net income (ytd only)* | 81.3872% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 4,977 |
| Loan loss allowance to noncurrent loans | 28,950.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,807 |
| Noncurrent loans to loans | 0.0033% | 5,652 |
| Net loans and leases to total assets | 94.8136% | 8 |
| Net loans and leases to deposits | 111.7360% | 219 |
| Net loans and leases to core deposits | 120.3746% | 457 |
| Total domestic deposits to total assets | 84.8550% | 3,074 |
| Equity capital to assets | 8.7142% | 5,567 |
| Core capital (leverage) ratio | 8.6348% | 5,428 |
| Tier 1 risk-based capital ratio | 10.7445% | 5,786 |
| Total risk-based capital ratio | 11.8669% | 5,760 |
| Memoranda: | ||
| Average total assets | $133,792,250 | 3,867 |
| Average earning assets | $128,092,750 | 3,773 |
| Average equity | $10,846,500 | 4,563 |
| Average total loans | $119,621,750 | 3,078 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,518 |
| Cost of funding earning assets | 0.6844% | 918 |
| Net interest margin | 3.8209% | 2,239 |
| Noninterest income to average assets | 0.3074% | 4,756 |
| Noninterest expense to average assets | 1.7796% | 5,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1900% | 262 |
| Return on assets (ROA) | 2.1900% | 278 |
| Pretax return on assets | 2.1900% | 424 |
| Return on Equity (ROE) | 27.6594% | 84 |
| Retained earnings to average equity (ytd only) | 4.1610% | 3,383 |
| Net charge-offs to loans | 0.0437% | 2,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 57.2692% | 866 |
| Efficiency ratio | 44.8314% | 6,086 |
| Assets per employee ($millions) | 6.7868% | 934 |
| Cash dividends to net income (ytd only)* | 84.9563% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 4,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 91.4214% | 36 |
| Net loans and leases to deposits | 106.0793% | 374 |
| Net loans and leases to core deposits | 114.0283% | 666 |
| Total domestic deposits to total assets | 86.1821% | 2,591 |
| Equity capital to assets | 8.4359% | 5,734 |
| Core capital (leverage) ratio | 8.1635% | 5,821 |
| Tier 1 risk-based capital ratio | 10.6581% | 5,858 |
| Total risk-based capital ratio | 11.7927% | 5,852 |
| Memoranda: | ||
| Average total assets | $135,984,000 | 3,854 |
| Average earning assets | $130,337,330 | 3,748 |
| Average equity | $10,766,670 | 4,610 |
| Average total loans | $118,903,330 | 3,104 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3477% | 1,947 |
| Cost of funding earning assets | 0.7092% | 825 |
| Net interest margin | 3.6386% | 2,863 |
| Noninterest income to average assets | 0.3097% | 4,712 |
| Noninterest expense to average assets | 1.6975% | 6,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0989% | 281 |
| Return on assets (ROA) | 2.0989% | 302 |
| Pretax return on assets | 2.0989% | 484 |
| Return on Equity (ROE) | 27.3364% | 81 |
| Retained earnings to average equity (ytd only) | 4.1079% | 3,541 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7130% | 6,152 |
| Assets per employee ($millions) | 7.4586% | 687 |
| Cash dividends to net income (ytd only)* | 84.9727% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 4,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 82.0265% | 457 |
| Net loans and leases to deposits | 93.7270% | 1,010 |
| Net loans and leases to core deposits | 97.6627% | 1,503 |
| Total domestic deposits to total assets | 87.5164% | 2,097 |
| Equity capital to assets | 7.5963% | 6,152 |
| Core capital (leverage) ratio | 7.6606% | 6,087 |
| Tier 1 risk-based capital ratio | 10.3625% | 6,058 |
| Total risk-based capital ratio | 11.5023% | 6,043 |
| Memoranda: | ||
| Average total assets | $139,501,500 | 3,821 |
| Average earning assets | $133,679,500 | 3,722 |
| Average equity | $10,711,000 | 4,658 |
| Average total loans | $118,832,500 | 3,109 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 1,060 |
| Cost of funding earning assets | 0.7573% | 810 |
| Net interest margin | 4.0686% | 1,685 |
| Noninterest income to average assets | 0.4348% | 3,933 |
| Noninterest expense to average assets | 1.8168% | 6,049 |
| Loan and lease loss provision to assets | 0.0154% | 4,301 |
| Net operating income to assets | 2.4782% | 149 |
| Return on assets (ROA) | 2.4782% | 155 |
| Pretax return on assets | 2.4782% | 198 |
| Return on Equity (ROE) | 30.9865% | 52 |
| Retained earnings to average equity (ytd only) | 4.6489% | 2,861 |
| Net charge-offs to loans | -0.0308% | 5,794 |
| Credit loss provision to net charge-offs | -55.5556% | 5,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1493% | 6,363 |
| Assets per employee ($millions) | 7.2257% | 747 |
| Cash dividends to net income (ytd only)* | 84.9969% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 5,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 86.7178% | 167 |
| Net loans and leases to deposits | 99.5443% | 648 |
| Net loans and leases to core deposits | 105.3389% | 1,054 |
| Total domestic deposits to total assets | 87.1148% | 2,216 |
| Equity capital to assets | 7.7625% | 6,153 |
| Core capital (leverage) ratio | 7.8348% | 6,086 |
| Tier 1 risk-based capital ratio | 10.3117% | 6,174 |
| Total risk-based capital ratio | 11.4574% | 6,150 |
| Memoranda: | ||
| Average total assets | $130,172,600 | 3,971 |
| Average earning assets | $123,998,200 | 3,883 |
| Average equity | $10,411,000 | 4,675 |
| Average total loans | $116,800,800 | 3,103 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 1,008 |
| Cost of funding earning assets | 0.7597% | 851 |
| Net interest margin | 4.1009% | 1,571 |
| Noninterest income to average assets | 0.3977% | 4,259 |
| Noninterest expense to average assets | 1.7965% | 6,095 |
| Loan and lease loss provision to assets | 0.0208% | 3,992 |
| Net operating income to assets | 2.4819% | 149 |
| Return on assets (ROA) | 2.4819% | 151 |
| Pretax return on assets | 2.4819% | 218 |
| Return on Equity (ROE) | 30.7898% | 56 |
| Retained earnings to average equity (ytd only) | 4.6120% | 3,350 |
| Net charge-offs to loans | -0.0414% | 5,843 |
| Credit loss provision to net charge-offs | -55.5556% | 5,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7874% | 6,420 |
| Assets per employee ($millions) | 7.0560% | 788 |
| Cash dividends to net income (ytd only)* | 85.0210% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 5,251 |
| Loan loss allowance to noncurrent loans | 19,733.3333% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,187 |
| Noncurrent loans to loans | 0.0050% | 6,025 |
| Net loans and leases to total assets | 88.1296% | 106 |
| Net loans and leases to deposits | 101.4520% | 525 |
| Net loans and leases to core deposits | 107.0102% | 899 |
| Total domestic deposits to total assets | 86.8682% | 2,389 |
| Equity capital to assets | 7.8559% | 6,196 |
| Core capital (leverage) ratio | 7.7495% | 6,193 |
| Tier 1 risk-based capital ratio | 10.1846% | 6,300 |
| Total risk-based capital ratio | 11.3297% | 6,291 |
| Memoranda: | ||
| Average total assets | $128,393,500 | 4,036 |
| Average earning assets | $122,149,000 | 3,945 |
| Average equity | $10,349,500 | 4,719 |
| Average total loans | $115,941,500 | 3,131 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 940 |
| Cost of funding earning assets | 0.7556% | 901 |
| Net interest margin | 4.1249% | 1,437 |
| Noninterest income to average assets | 0.3952% | 4,276 |
| Noninterest expense to average assets | 1.7913% | 6,157 |
| Loan and lease loss provision to assets | 0.0316% | 3,651 |
| Net operating income to assets | 2.4821% | 142 |
| Return on assets (ROA) | 2.4821% | 146 |
| Pretax return on assets | 2.4821% | 211 |
| Return on Equity (ROE) | 30.5190% | 55 |
| Retained earnings to average equity (ytd only) | 4.5681% | 3,259 |
| Net charge-offs to loans | -0.0627% | 5,974 |
| Credit loss provision to net charge-offs | -55.5556% | 5,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6085% | 6,492 |
| Assets per employee ($millions) | 7.1799% | 739 |
| Cash dividends to net income (ytd only)* | 85.0318% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,323 |
| Loan loss allowance to noncurrent loans | 696.4706% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 5,781 |
| Noncurrent loans to loans | 0.1444% | 5,573 |
| Net loans and leases to total assets | 85.4243% | 217 |
| Net loans and leases to deposits | 97.9722% | 671 |
| Net loans and leases to core deposits | 102.8798% | 1,087 |
| Total domestic deposits to total assets | 87.1924% | 2,351 |
| Equity capital to assets | 7.6302% | 6,314 |
| Core capital (leverage) ratio | 8.1112% | 6,012 |
| Tier 1 risk-based capital ratio | 10.1167% | 6,363 |
| Total risk-based capital ratio | 11.2676% | 6,355 |
| Memoranda: | ||
| Average total assets | $126,503,330 | 4,104 |
| Average earning assets | $119,907,330 | 4,009 |
| Average equity | $10,288,670 | 4,744 |
| Average total loans | $114,810,670 | 3,157 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 707 |
| Cost of funding earning assets | 0.7749% | 861 |
| Net interest margin | 4.2303% | 1,143 |
| Noninterest income to average assets | 0.4180% | 4,049 |
| Noninterest expense to average assets | 1.9219% | 6,029 |
| Loan and lease loss provision to assets | 0.0658% | 2,809 |
| Net operating income to assets | 2.4188% | 165 |
| Return on assets (ROA) | 2.4188% | 176 |
| Pretax return on assets | 2.4188% | 258 |
| Return on Equity (ROE) | 28.7432% | 79 |
| Retained earnings to average equity (ytd only) | 4.3017% | 3,549 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6146% | 6,507 |
| Assets per employee ($millions) | 6.3993% | 1,056 |
| Cash dividends to net income (ytd only)* | 85.0340% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 5,451 |
| Loan loss allowance to noncurrent loans | 538.9671% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 5,142 |
| Noncurrent loans to loans | 0.1886% | 5,531 |
| Net loans and leases to total assets | 91.9563% | 15 |
| Net loans and leases to deposits | 107.1863% | 207 |
| Net loans and leases to core deposits | 113.2717% | 484 |
| Total domestic deposits to total assets | 85.7911% | 3,475 |
| Equity capital to assets | 8.4582% | 5,688 |
| Core capital (leverage) ratio | 8.5551% | 5,578 |
| Tier 1 risk-based capital ratio | 10.6307% | 6,295 |
| Total risk-based capital ratio | 11.8176% | 6,280 |
| Memoranda: | ||
| Average total assets | $121,545,500 | 4,245 |
| Average earning assets | $114,602,000 | 4,165 |
| Average equity | $10,228,500 | 4,772 |
| Average total loans | $113,356,500 | 3,197 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 719 |
| Cost of funding earning assets | 0.7960% | 1,230 |
| Net interest margin | 4.3493% | 1,005 |
| Noninterest income to average assets | 0.4353% | 4,193 |
| Noninterest expense to average assets | 1.8783% | 6,216 |
| Loan and lease loss provision to assets | 0.0616% | 3,906 |
| Net operating income to assets | 2.6059% | 154 |
| Return on assets (ROA) | 2.6059% | 157 |
| Pretax return on assets | 2.6059% | 181 |
| Return on Equity (ROE) | 31.9318% | 59 |
| Retained earnings to average equity (ytd only) | 4.7802% | 2,746 |
| Net charge-offs to loans | 0.0507% | 4,510 |
| Credit loss provision to net charge-offs | 131.5789% | 1,792 |
| Earnings coverage of net charge-offs (x) | 56.9825% | 716 |
| Efficiency ratio | 41.3189% | 6,669 |
| Assets per employee ($millions) | 6.7503% | 872 |
| Cash dividends to net income (ytd only)* | 85.0299% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 5,614 |
| Loan loss allowance to noncurrent loans | 529.5775% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 5,260 |
| Noncurrent loans to loans | 0.1872% | 5,636 |
| Net loans and leases to total assets | 92.6966% | 14 |
| Net loans and leases to deposits | 116.0702% | 95 |
| Net loans and leases to core deposits | 123.1694% | 287 |
| Total domestic deposits to total assets | 79.8626% | 5,476 |
| Equity capital to assets | 8.3725% | 5,718 |
| Core capital (leverage) ratio | 8.3398% | 5,831 |
| Tier 1 risk-based capital ratio | 10.4410% | 6,388 |
| Total risk-based capital ratio | 11.5988% | 6,376 |
| Memoranda: | ||
| Average total assets | $121,760,600 | 4,243 |
| Average earning assets | $115,076,400 | 4,159 |
| Average equity | $9,936,800 | 4,858 |
| Average total loans | $112,482,600 | 3,199 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 751 |
| Cost of funding earning assets | 0.7992% | 1,327 |
| Net interest margin | 4.3189% | 1,053 |
| Noninterest income to average assets | 0.3842% | 4,643 |
| Noninterest expense to average assets | 1.8222% | 6,312 |
| Loan and lease loss provision to assets | 0.0274% | 4,461 |
| Net operating income to assets | 2.6212% | 152 |
| Return on assets (ROA) | 2.6212% | 159 |
| Pretax return on assets | 2.6212% | 208 |
| Return on Equity (ROE) | 32.3277% | 58 |
| Retained earnings to average equity (ytd only) | 4.8457% | 3,200 |
| Net charge-offs to loans | 0.0678% | 3,952 |
| Credit loss provision to net charge-offs | 43.8596% | 3,636 |
| Earnings coverage of net charge-offs (x) | 42.4551% | 965 |
| Efficiency ratio | 40.7589% | 6,735 |
| Assets per employee ($millions) | 6.7927% | 821 |
| Cash dividends to net income (ytd only)* | 85.0106% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 5,951 |
| Loan loss allowance to noncurrent loans | 728.3784% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 5,599 |
| Noncurrent loans to loans | 0.1288% | 5,932 |
| Net loans and leases to total assets | 93.0669% | 9 |
| Net loans and leases to deposits | 117.9023% | 84 |
| Net loans and leases to core deposits | 125.1523% | 247 |
| Total domestic deposits to total assets | 78.9356% | 5,753 |
| Equity capital to assets | 8.2246% | 5,984 |
| Core capital (leverage) ratio | 8.2896% | 5,978 |
| Tier 1 risk-based capital ratio | 10.0893% | 6,572 |
| Total risk-based capital ratio | 11.1710% | 6,582 |
| Memoranda: | ||
| Average total assets | $121,824,500 | 4,280 |
| Average earning assets | $115,272,750 | 4,194 |
| Average equity | $9,877,750 | 4,934 |
| Average total loans | $112,163,500 | 3,225 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 841 |
| Cost of funding earning assets | 0.7968% | 1,433 |
| Net interest margin | 4.2548% | 1,131 |
| Noninterest income to average assets | 0.3928% | 4,575 |
| Noninterest expense to average assets | 1.7571% | 6,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.6644% | 146 |
| Return on assets (ROA) | 2.6644% | 154 |
| Pretax return on assets | 2.6644% | 216 |
| Return on Equity (ROE) | 33.0199% | 54 |
| Retained earnings to average equity (ytd only) | 4.9499% | 3,085 |
| Net charge-offs to loans | 0.1025% | 3,337 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 28.4386% | 1,186 |
| Efficiency ratio | 39.7398% | 6,806 |
| Assets per employee ($millions) | 6.2539% | 1,047 |
| Cash dividends to net income (ytd only)* | 85.0093% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 6,017 |
| Loan loss allowance to noncurrent loans | 688.2353% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 5,592 |
| Noncurrent loans to loans | 0.1369% | 5,983 |
| Net loans and leases to total assets | 93.1521% | 11 |
| Net loans and leases to deposits | 113.5774% | 101 |
| Net loans and leases to core deposits | 120.4689% | 310 |
| Total domestic deposits to total assets | 82.0164% | 5,057 |
| Equity capital to assets | 8.3652% | 5,901 |
| Core capital (leverage) ratio | 8.3167% | 5,866 |
| Tier 1 risk-based capital ratio | 10.2163% | 6,584 |
| Total risk-based capital ratio | 11.2986% | 6,601 |
| Memoranda: | ||
| Average total assets | $121,676,670 | 4,306 |
| Average earning assets | $115,212,000 | 4,229 |
| Average equity | $9,818,330 | 4,982 |
| Average total loans | $111,261,670 | 3,244 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 1,102 |
| Cost of funding earning assets | 0.7853% | 1,613 |
| Net interest margin | 4.1084% | 1,432 |
| Noninterest income to average assets | 0.3802% | 4,622 |
| Noninterest expense to average assets | 1.6832% | 6,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.5897% | 142 |
| Return on assets (ROA) | 2.5897% | 152 |
| Pretax return on assets | 2.5897% | 235 |
| Return on Equity (ROE) | 32.6723% | 59 |
| Retained earnings to average equity (ytd only) | 4.8783% | 3,308 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3916% | 6,883 |
| Assets per employee ($millions) | 6.4734% | 996 |
| Cash dividends to net income (ytd only)* | 85.0690% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 5,960 |
| Loan loss allowance to noncurrent loans | 502.2624% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 6,029 |
| Noncurrent loans to loans | 0.2005% | 5,898 |
| Net loans and leases to total assets | 88.6946% | 61 |
| Net loans and leases to deposits | 102.8928% | 253 |
| Net loans and leases to core deposits | 108.5355% | 548 |
| Total domestic deposits to total assets | 86.2010% | 3,414 |
| Equity capital to assets | 7.9817% | 6,388 |
| Core capital (leverage) ratio | 7.9040% | 6,212 |
| Tier 1 risk-based capital ratio | 10.1051% | 6,673 |
| Total risk-based capital ratio | 11.2478% | 6,684 |
| Memoranda: | ||
| Average total assets | $123,102,500 | 4,329 |
| Average earning assets | $116,640,500 | 4,227 |
| Average equity | $9,757,500 | 5,051 |
| Average total loans | $111,022,000 | 3,268 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 1,919 |
| Cost of funding earning assets | 0.8203% | 2,510 |
| Net interest margin | 4.0568% | 2,159 |
| Noninterest income to average assets | 0.3911% | 4,680 |
| Noninterest expense to average assets | 1.6714% | 6,750 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.5719% | 142 |
| Return on assets (ROA) | 2.5719% | 156 |
| Pretax return on assets | 2.5719% | 235 |
| Return on Equity (ROE) | 34.0209% | 45 |
| Retained earnings to average equity (ytd only) | 5.1095% | 2,632 |
| Net charge-offs to loans | 0.0028% | 5,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1,072.0000% | 31 |
| Efficiency ratio | 39.3894% | 6,943 |
| Assets per employee ($millions) | 7.2477% | 690 |
| Cash dividends to net income (ytd only)* | 84.9813% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 5,995 |
| Loan loss allowance to noncurrent loans | 426.9231% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 6,035 |
| Noncurrent loans to loans | 0.2325% | 5,900 |
| Net loans and leases to total assets | 89.8743% | 48 |
| Net loans and leases to deposits | 104.1663% | 261 |
| Net loans and leases to core deposits | 108.3364% | 599 |
| Total domestic deposits to total assets | 86.2796% | 3,215 |
| Equity capital to assets | 7.8711% | 6,468 |
| Core capital (leverage) ratio | 7.5992% | 6,445 |
| Tier 1 risk-based capital ratio | 9.8090% | 6,749 |
| Total risk-based capital ratio | 10.9319% | 6,753 |
| Memoranda: | ||
| Average total assets | $125,044,800 | 4,249 |
| Average earning assets | $118,738,000 | 4,133 |
| Average equity | $9,453,000 | 5,118 |
| Average total loans | $108,075,800 | 3,335 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 2,278 |
| Cost of funding earning assets | 0.8247% | 2,739 |
| Net interest margin | 4.0071% | 2,477 |
| Noninterest income to average assets | 0.3219% | 5,208 |
| Noninterest expense to average assets | 1.6329% | 6,846 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.4987% | 169 |
| Return on assets (ROA) | 2.4987% | 181 |
| Pretax return on assets | 2.4987% | 287 |
| Return on Equity (ROE) | 33.3902% | 46 |
| Retained earnings to average equity (ytd only) | 5.0113% | 3,355 |
| Net charge-offs to loans | 0.0037% | 5,712 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 783.9800% | 51 |
| Efficiency ratio | 39.5217% | 7,022 |
| Assets per employee ($millions) | 7.1746% | 684 |
| Cash dividends to net income (ytd only)* | 84.9916% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 6,031 |
| 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 | 84.1252% | 220 |
| Net loans and leases to deposits | 96.7099% | 614 |
| Net loans and leases to core deposits | 101.2875% | 1,031 |
| Total domestic deposits to total assets | 86.9872% | 2,677 |
| Equity capital to assets | 7.4089% | 6,789 |
| Core capital (leverage) ratio | 7.1992% | 6,751 |
| Tier 1 risk-based capital ratio | 9.5507% | 6,892 |
| Total risk-based capital ratio | 10.6589% | 6,902 |
| Memoranda: | ||
| Average total assets | $125,503,250 | 4,282 |
| Average earning assets | $119,318,250 | 4,169 |
| Average equity | $9,391,750 | 5,180 |
| Average total loans | $107,133,500 | 3,391 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 2,268 |
| Cost of funding earning assets | 0.8297% | 2,954 |
| Net interest margin | 4.0300% | 2,382 |
| Noninterest income to average assets | 0.3331% | 5,164 |
| Noninterest expense to average assets | 1.6188% | 6,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.5440% | 161 |
| Return on assets (ROA) | 2.5440% | 184 |
| Pretax return on assets | 2.5440% | 283 |
| Return on Equity (ROE) | 33.8798% | 59 |
| Retained earnings to average equity (ytd only) | 5.1002% | 3,225 |
| Net charge-offs to loans | 0.0056% | 5,413 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 527.0000% | 78 |
| Efficiency ratio | 38.8867% | 7,082 |
| Assets per employee ($millions) | 7.8639% | 500 |
| Cash dividends to net income (ytd only)* | 84.9462% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 6,007 |
| Loan loss allowance to noncurrent loans | 1,132.6531% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 6,643 |
| Noncurrent loans to loans | 0.0917% | 6,433 |
| Net loans and leases to total assets | 74.6803% | 1,146 |
| Net loans and leases to deposits | 84.6791% | 1,763 |
| Net loans and leases to core deposits | 88.9545% | 2,106 |
| Total domestic deposits to total assets | 88.1922% | 2,021 |
| Equity capital to assets | 6.6775% | 6,957 |
| Core capital (leverage) ratio | 7.7131% | 6,508 |
| Tier 1 risk-based capital ratio | 9.3391% | 6,946 |
| Total risk-based capital ratio | 10.4360% | 6,962 |
| Memoranda: | ||
| Average total assets | $124,290,330 | 4,325 |
| Average earning assets | $118,113,330 | 4,218 |
| Average equity | $9,333,000 | 5,199 |
| Average total loans | $106,261,000 | 3,422 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1591% | 1,406 |
| Cost of funding earning assets | 0.8836% | 2,811 |
| Net interest margin | 4.2756% | 1,541 |
| Noninterest income to average assets | 0.3355% | 5,179 |
| Noninterest expense to average assets | 1.7119% | 6,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.6733% | 143 |
| Return on assets (ROA) | 2.6733% | 169 |
| Pretax return on assets | 2.6733% | 264 |
| Return on Equity (ROE) | 33.3423% | 78 |
| Retained earnings to average equity (ytd only) | 5.0035% | 3,557 |
| Net charge-offs to loans | 0.0038% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 773.0000% | 26 |
| Efficiency ratio | 39.0379% | 7,121 |
| Assets per employee ($millions) | 6.4488% | 1,009 |
| Cash dividends to net income (ytd only)* | 84.9935% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 6,092 |
| Loan loss allowance to noncurrent loans | 55,600.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 6,960 |
| Noncurrent loans to loans | 0.0019% | 6,807 |
| Net loans and leases to total assets | 90.5737% | 32 |
| Net loans and leases to deposits | 105.6685% | 213 |
| Net loans and leases to core deposits | 112.2599% | 464 |
| Total domestic deposits to total assets | 85.7149% | 3,681 |
| Equity capital to assets | 8.0394% | 6,498 |
| Core capital (leverage) ratio | 8.2444% | 5,960 |
| Tier 1 risk-based capital ratio | 9.6460% | 6,946 |
| Total risk-based capital ratio | 10.7957% | 6,952 |
| Memoranda: | ||
| Average total assets | $115,660,500 | 4,550 |
| Average earning assets | $109,553,000 | 4,447 |
| Average equity | $9,273,500 | 5,224 |
| Average total loans | $105,981,500 | 3,458 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 2,146 |
| Cost of funding earning assets | 1.1255% | 2,497 |
| Net interest margin | 4.0549% | 2,616 |
| Noninterest income to average assets | 0.4640% | 4,101 |
| Noninterest expense to average assets | 1.7529% | 7,008 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.5475% | 128 |
| Return on assets (ROA) | 2.5395% | 133 |
| Pretax return on assets | 2.5395% | 194 |
| Return on Equity (ROE) | 31.7381% | 37 |
| Retained earnings to average equity (ytd only) | 4.7546% | 2,818 |
| Net charge-offs to loans | -0.0792% | 7,111 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7606% | 7,198 |
| Assets per employee ($millions) | 6.4023% | 1,005 |
| Cash dividends to net income (ytd only)* | 85.0193% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 5,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 90.7664% | 32 |
| Net loans and leases to deposits | 105.8800% | 251 |
| Net loans and leases to core deposits | 112.5674% | 551 |
| Total domestic deposits to total assets | 85.7257% | 3,472 |
| Equity capital to assets | 7.9962% | 6,577 |
| Core capital (leverage) ratio | 8.0968% | 6,146 |
| Tier 1 risk-based capital ratio | 9.6135% | 6,935 |
| Total risk-based capital ratio | 10.7749% | 6,952 |
| Memoranda: | ||
| Average total assets | $112,500,800 | 4,582 |
| Average earning assets | $106,439,800 | 4,494 |
| Average equity | $9,001,800 | 5,274 |
| Average total loans | $102,223,800 | 3,566 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 2,264 |
| Cost of funding earning assets | 1.1394% | 2,701 |
| Net interest margin | 4.0461% | 2,709 |
| Noninterest income to average assets | 0.4305% | 4,434 |
| Noninterest expense to average assets | 1.7075% | 7,089 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.5506% | 144 |
| Return on assets (ROA) | 2.5398% | 152 |
| Pretax return on assets | 2.5398% | 231 |
| Return on Equity (ROE) | 31.7364% | 43 |
| Retained earnings to average equity (ytd only) | 4.7679% | 3,333 |
| Net charge-offs to loans | -0.1105% | 7,185 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1008% | 7,258 |
| Assets per employee ($millions) | 7.2541% | 649 |
| Cash dividends to net income (ytd only)* | 84.9764% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 5,959 |
| Loan loss allowance to noncurrent loans | 2,936.8421% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 6,973 |
| Noncurrent loans to loans | 0.0368% | 6,850 |
| Net loans and leases to total assets | 88.0334% | 81 |
| Net loans and leases to deposits | 102.4845% | 369 |
| Net loans and leases to core deposits | 108.3165% | 756 |
| Total domestic deposits to total assets | 85.8993% | 3,266 |
| Equity capital to assets | 7.8456% | 6,782 |
| Core capital (leverage) ratio | 8.0871% | 6,300 |
| Tier 1 risk-based capital ratio | 9.6996% | 7,025 |
| Total risk-based capital ratio | 10.8886% | 7,032 |
| Memoranda: | ||
| Average total assets | $111,815,500 | 4,623 |
| Average earning assets | $105,779,250 | 4,531 |
| Average equity | $8,948,500 | 5,323 |
| Average total loans | $101,351,250 | 3,615 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2253% | 2,164 |
| Cost of funding earning assets | 1.1912% | 2,634 |
| Net interest margin | 4.0341% | 2,683 |
| Noninterest income to average assets | 0.4674% | 4,136 |
| Noninterest expense to average assets | 1.6667% | 7,212 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.6105% | 146 |
| Return on assets (ROA) | 2.5942% | 157 |
| Pretax return on assets | 2.5942% | 219 |
| Return on Equity (ROE) | 32.1942% | 58 |
| Retained earnings to average equity (ytd only) | 4.8336% | 3,098 |
| Net charge-offs to loans | -0.1668% | 7,269 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9665% | 7,350 |
| Assets per employee ($millions) | 7.6833% | 522 |
| Cash dividends to net income (ytd only)* | 84.9860% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 5,876 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 7,023 |
| Noncurrent loans to loans | 0.0361% | 6,893 |
| Net loans and leases to total assets | 85.4801% | 160 |
| Net loans and leases to deposits | 99.5866% | 514 |
| Net loans and leases to core deposits | 104.9718% | 985 |
| Total domestic deposits to total assets | 85.8350% | 3,416 |
| Equity capital to assets | 7.8100% | 6,802 |
| Core capital (leverage) ratio | 8.2860% | 5,891 |
| Tier 1 risk-based capital ratio | 9.6634% | 7,070 |
| Total risk-based capital ratio | 10.8617% | 7,085 |
| Memoranda: | ||
| Average total assets | $110,399,000 | 4,695 |
| Average earning assets | $104,261,670 | 4,600 |
| Average equity | $8,896,000 | 5,352 |
| Average total loans | $100,704,330 | 3,666 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2602% | 2,007 |
| Cost of funding earning assets | 1.2974% | 2,188 |
| Net interest margin | 3.9628% | 2,857 |
| Noninterest income to average assets | 0.6113% | 3,085 |
| Noninterest expense to average assets | 1.7449% | 7,194 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.6117% | 155 |
| Return on assets (ROA) | 2.6117% | 164 |
| Pretax return on assets | 2.6117% | 218 |
| Return on Equity (ROE) | 31.8878% | 67 |
| Retained earnings to average equity (ytd only) | 4.7493% | 3,343 |
| Net charge-offs to loans | -0.1778% | 7,237 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0510% | 7,387 |
| Assets per employee ($millions) | 7.2129% | 661 |
| Cash dividends to net income (ytd only)* | 85.1064% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 6,141 |
| Loan loss allowance to noncurrent loans | 422.7451% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 6,586 |
| Noncurrent loans to loans | 0.2540% | 6,479 |
| Net loans and leases to total assets | 91.7824% | 22 |
| Net loans and leases to deposits | 108.0390% | 214 |
| Net loans and leases to core deposits | 115.2154% | 556 |
| Total domestic deposits to total assets | 84.9530% | 4,050 |
| Equity capital to assets | 8.2213% | 6,257 |
| Core capital (leverage) ratio | 8.2492% | 5,901 |
| Tier 1 risk-based capital ratio | 9.6137% | 7,120 |
| Total risk-based capital ratio | 10.7795% | 7,143 |
| Memoranda: | ||
| Average total assets | $107,974,000 | 4,793 |
| Average earning assets | $102,050,000 | 4,684 |
| Average equity | $8,843,500 | 5,374 |
| Average total loans | $101,241,000 | 3,688 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4941% | 2,312 |
| Cost of funding earning assets | 1.5679% | 2,256 |
| Net interest margin | 3.9261% | 3,367 |
| Noninterest income to average assets | 0.5598% | 3,749 |
| Noninterest expense to average assets | 2.0104% | 7,003 |
| Loan and lease loss provision to assets | 0.4927% | 3,196 |
| Net operating income to assets | 1.7581% | 456 |
| Return on assets (ROA) | 1.7581% | 501 |
| Pretax return on assets | 1.7581% | 836 |
| Return on Equity (ROE) | 20.6271% | 217 |
| Retained earnings to average equity (ytd only) | 3.0987% | 3,689 |
| Net charge-offs to loans | 0.3349% | 4,334 |
| Credit loss provision to net charge-offs | 156.2500% | 2,258 |
| Earnings coverage of net charge-offs (x) | 7.1375% | 2,193 |
| Efficiency ratio | 47.1785% | 7,305 |
| Assets per employee ($millions) | 7.1836% | 681 |
| Cash dividends to net income (ytd only)* | 84.9776% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 6,332 |
| Loan loss allowance to noncurrent loans | 342.8571% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 6,551 |
| Noncurrent loans to loans | 0.2948% | 6,470 |
| Net loans and leases to total assets | 93.7961% | 16 |
| Net loans and leases to deposits | 114.7533% | 162 |
| Net loans and leases to core deposits | 122.6327% | 460 |
| Total domestic deposits to total assets | 81.7371% | 5,269 |
| Equity capital to assets | 8.1593% | 6,308 |
| Core capital (leverage) ratio | 8.0854% | 6,052 |
| Tier 1 risk-based capital ratio | 9.4819% | 7,141 |
| Total risk-based capital ratio | 10.5958% | 7,177 |
| Memoranda: | ||
| Average total assets | $101,472,400 | 4,940 |
| Average earning assets | $95,666,400 | 4,841 |
| Average equity | $8,648,800 | 5,514 |
| Average total loans | $95,552,200 | 3,907 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 2,310 |
| Cost of funding earning assets | 1.5929% | 2,426 |
| Net interest margin | 3.9420% | 3,353 |
| Noninterest income to average assets | 0.4257% | 4,754 |
| Noninterest expense to average assets | 1.8965% | 7,212 |
| Loan and lease loss provision to assets | 0.5672% | 2,668 |
| Net operating income to assets | 1.6776% | 650 |
| Return on assets (ROA) | 1.6776% | 703 |
| Pretax return on assets | 1.6776% | 1,160 |
| Return on Equity (ROE) | 19.4585% | 347 |
| Retained earnings to average equity (ytd only) | 2.9103% | 4,388 |
| Net charge-offs to loans | 0.4543% | 3,480 |
| Credit loss provision to net charge-offs | 132.8125% | 3,041 |
| Earnings coverage of net charge-offs (x) | 5.2562% | 2,794 |
| Efficiency ratio | 45.7944% | 7,389 |
| Assets per employee ($millions) | 7.0265% | 761 |
| Cash dividends to net income (ytd only)* | 85.0438% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 6,535 |
| Loan loss allowance to noncurrent loans | 540.6780% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 6,781 |
| Noncurrent loans to loans | 0.1781% | 6,827 |
| Net loans and leases to total assets | 93.3632% | 17 |
| Net loans and leases to deposits | 113.8741% | 190 |
| Net loans and leases to core deposits | 121.6943% | 566 |
| Total domestic deposits to total assets | 81.9881% | 4,998 |
| Equity capital to assets | 8.2668% | 6,545 |
| Core capital (leverage) ratio | 8.3536% | 5,779 |
| Tier 1 risk-based capital ratio | 9.6283% | 7,218 |
| Total risk-based capital ratio | 10.6867% | 7,270 |
| Memoranda: | ||
| Average total assets | $99,902,000 | 5,051 |
| Average earning assets | $94,164,000 | 4,946 |
| Average equity | $8,613,000 | 5,596 |
| Average total loans | $93,915,000 | 4,019 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4893% | 2,568 |
| Cost of funding earning assets | 1.5981% | 2,667 |
| Net interest margin | 3.8912% | 3,486 |
| Noninterest income to average assets | 0.3793% | 5,089 |
| Noninterest expense to average assets | 1.8517% | 7,332 |
| Loan and lease loss provision to assets | 0.6118% | 2,351 |
| Net operating income to assets | 1.5805% | 761 |
| Return on assets (ROA) | 1.5805% | 817 |
| Pretax return on assets | 1.5805% | 1,353 |
| Return on Equity (ROE) | 18.0660% | 458 |
| Retained earnings to average equity (ytd only) | 2.7041% | 4,413 |
| Net charge-offs to loans | 0.3279% | 3,685 |
| Credit loss provision to net charge-offs | 198.6755% | 1,988 |
| Earnings coverage of net charge-offs (x) | 7.1192% | 2,360 |
| Efficiency ratio | 45.7892% | 7,448 |
| Assets per employee ($millions) | 6.8128% | 834 |
| Cash dividends to net income (ytd only)* | 85.0323% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 6,242 |
| Loan loss allowance to noncurrent loans | 299.7006% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 6,450 |
| Noncurrent loans to loans | 0.3460% | 6,543 |
| Net loans and leases to total assets | 93.4711% | 16 |
| Net loans and leases to deposits | 114.8312% | 194 |
| Net loans and leases to core deposits | 120.2720% | 685 |
| Total domestic deposits to total assets | 81.3987% | 5,247 |
| Equity capital to assets | 8.4547% | 6,225 |
| Core capital (leverage) ratio | 8.4622% | 5,474 |
| Tier 1 risk-based capital ratio | 9.8207% | 7,120 |
| Total risk-based capital ratio | 10.9593% | 7,169 |
| Memoranda: | ||
| Average total assets | $98,070,330 | 5,137 |
| Average earning assets | $92,362,000 | 5,032 |
| Average equity | $8,579,670 | 5,614 |
| Average total loans | $92,100,330 | 4,105 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4438% | 2,846 |
| Cost of funding earning assets | 1.6110% | 2,891 |
| Net interest margin | 3.8328% | 3,657 |
| Noninterest income to average assets | 0.4000% | 4,918 |
| Noninterest expense to average assets | 1.9331% | 7,280 |
| Loan and lease loss provision to assets | 0.6249% | 2,029 |
| Net operating income to assets | 1.4499% | 985 |
| Return on assets (ROA) | 1.4499% | 1,058 |
| Pretax return on assets | 1.4499% | 1,637 |
| Return on Equity (ROE) | 16.2817% | 684 |
| Retained earnings to average equity (ytd only) | 2.3861% | 4,706 |
| Net charge-offs to loans | 0.4494% | 2,704 |
| Credit loss provision to net charge-offs | 148.5149% | 2,402 |
| Earnings coverage of net charge-offs (x) | 4.9307% | 2,510 |
| Efficiency ratio | 48.2328% | 7,424 |
| Assets per employee ($millions) | 6.4927% | 997 |
| Cash dividends to net income (ytd only)* | 85.3448% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 6,528 |
| Loan loss allowance to noncurrent loans | 237.7309% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 6,316 |
| Noncurrent loans to loans | 0.4152% | 6,464 |
| Net loans and leases to total assets | 92.7980% | 29 |
| Net loans and leases to deposits | 120.8591% | 125 |
| Net loans and leases to core deposits | 127.3834% | 553 |
| Total domestic deposits to total assets | 76.7820% | 6,602 |
| Equity capital to assets | 8.8058% | 5,546 |
| Core capital (leverage) ratio | 8.9426% | 4,663 |
| Tier 1 risk-based capital ratio | 10.0340% | 7,006 |
| Total risk-based capital ratio | 11.0891% | 7,126 |
| Memoranda: | ||
| Average total assets | $96,009,500 | 5,256 |
| Average earning assets | $90,378,000 | 5,156 |
| Average equity | $8,549,500 | 5,677 |
| Average total loans | $89,890,000 | 4,201 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6020% | 3,598 |
| Cost of funding earning assets | 1.8467% | 3,753 |
| Net interest margin | 3.7553% | 3,889 |
| Noninterest income to average assets | 0.4542% | 4,767 |
| Noninterest expense to average assets | 2.0554% | 7,276 |
| Loan and lease loss provision to assets | 0.3490% | 4,711 |
| Net operating income to assets | 1.5835% | 567 |
| Return on assets (ROA) | 1.5835% | 603 |
| Pretax return on assets | 1.5835% | 993 |
| Return on Equity (ROE) | 18.0737% | 364 |
| Retained earnings to average equity (ytd only) | 2.7111% | 3,260 |
| Net charge-offs to loans | 0.5085% | 3,746 |
| Credit loss provision to net charge-offs | 74.7768% | 6,405 |
| Earnings coverage of net charge-offs (x) | 4.1406% | 3,039 |
| Efficiency ratio | 51.5413% | 7,426 |
| Assets per employee ($millions) | 6.3086% | 1,074 |
| Cash dividends to net income (ytd only)* | 85.0000% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 6,570 |
| Loan loss allowance to noncurrent loans | 149.2119% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 5,762 |
| Noncurrent loans to loans | 0.6452% | 5,947 |
| Net loans and leases to total assets | 92.6259% | 26 |
| Net loans and leases to deposits | 120.8763% | 167 |
| Net loans and leases to core deposits | 150.6160% | 498 |
| Total domestic deposits to total assets | 76.6287% | 6,564 |
| Equity capital to assets | 9.0068% | 5,137 |
| Core capital (leverage) ratio | 8.7595% | 4,822 |
| Tier 1 risk-based capital ratio | 10.2055% | 6,677 |
| Total risk-based capital ratio | 11.2264% | 6,867 |
| Memoranda: | ||
| Average total assets | $95,991,200 | 5,202 |
| Average earning assets | $90,324,800 | 5,109 |
| Average equity | $8,410,000 | 5,799 |
| Average total loans | $88,109,400 | 4,267 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 4,098 |
| Cost of funding earning assets | 1.8766% | 4,010 |
| Net interest margin | 3.6825% | 4,149 |
| Noninterest income to average assets | 0.4111% | 5,204 |
| Noninterest expense to average assets | 2.0055% | 7,370 |
| Loan and lease loss provision to assets | 0.2561% | 4,904 |
| Net operating income to assets | 1.6124% | 652 |
| Return on assets (ROA) | 1.6124% | 701 |
| Pretax return on assets | 1.6124% | 1,151 |
| Return on Equity (ROE) | 18.5318% | 402 |
| Retained earnings to average equity (ytd only) | 2.7838% | 3,778 |
| Net charge-offs to loans | 0.5196% | 3,137 |
| Credit loss provision to net charge-offs | 53.9359% | 6,255 |
| Earnings coverage of net charge-offs (x) | 3.9359% | 3,327 |
| Efficiency ratio | 51.7685% | 7,430 |
| Assets per employee ($millions) | 6.4398% | 1,009 |
| Cash dividends to net income (ytd only)* | 84.9790% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 6,763 |
| Loan loss allowance to noncurrent loans | 199.7525% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 5,962 |
| Noncurrent loans to loans | 0.4494% | 6,424 |
| Net loans and leases to total assets | 92.2234% | 50 |
| Net loans and leases to deposits | 120.4698% | 196 |
| Net loans and leases to core deposits | 151.1350% | 559 |
| Total domestic deposits to total assets | 76.5531% | 6,457 |
| Equity capital to assets | 8.7653% | 5,858 |
| Core capital (leverage) ratio | 8.6472% | 5,229 |
| Tier 1 risk-based capital ratio | 9.9649% | 7,013 |
| Total risk-based capital ratio | 10.9149% | 7,225 |
| Memoranda: | ||
| Average total assets | $96,331,750 | 5,232 |
| Average earning assets | $90,589,000 | 5,143 |
| Average equity | $8,381,750 | 5,861 |
| Average total loans | $88,011,000 | 4,308 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5281% | 4,454 |
| Cost of funding earning assets | 1.8796% | 4,374 |
| Net interest margin | 3.6485% | 4,174 |
| Noninterest income to average assets | 0.4135% | 5,171 |
| Noninterest expense to average assets | 1.9762% | 7,501 |
| Loan and lease loss provision to assets | 0.1870% | 5,160 |
| Net operating income to assets | 1.6791% | 587 |
| Return on assets (ROA) | 1.6791% | 642 |
| Pretax return on assets | 1.6791% | 1,053 |
| Return on Equity (ROE) | 19.3456% | 380 |
| Retained earnings to average equity (ytd only) | 2.8970% | 3,714 |
| Net charge-offs to loans | 0.3937% | 3,233 |
| Credit loss provision to net charge-offs | 52.3256% | 5,728 |
| Earnings coverage of net charge-offs (x) | 5.2209% | 2,886 |
| Efficiency ratio | 51.4332% | 7,559 |
| Assets per employee ($millions) | 6.0299% | 1,196 |
| Cash dividends to net income (ytd only)* | 85.0248% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 6,286 |
| Loan loss allowance to noncurrent loans | 93.9362% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9743% | 5,029 |
| Noncurrent loans to loans | 1.0595% | 5,096 |
| Net loans and leases to total assets | 91.0415% | 90 |
| Net loans and leases to deposits | 114.8711% | 367 |
| Net loans and leases to core deposits | 140.9532% | 972 |
| Total domestic deposits to total assets | 79.2554% | 5,730 |
| Equity capital to assets | 8.7212% | 5,722 |
| Core capital (leverage) ratio | 8.7242% | 5,053 |
| Tier 1 risk-based capital ratio | 10.0645% | 6,860 |
| Total risk-based capital ratio | 11.1211% | 7,000 |
| Memoranda: | ||
| Average total assets | $96,243,330 | 5,275 |
| Average earning assets | $90,447,000 | 5,182 |
| Average equity | $8,353,330 | 5,899 |
| Average total loans | $87,384,000 | 4,347 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5606% | 4,578 |
| Cost of funding earning assets | 1.9469% | 4,391 |
| Net interest margin | 3.6137% | 4,264 |
| Noninterest income to average assets | 0.4328% | 4,934 |
| Noninterest expense to average assets | 1.8517% | 7,633 |
| Loan and lease loss provision to assets | 0.1873% | 4,565 |
| Net operating income to assets | 1.7768% | 554 |
| Return on assets (ROA) | 1.7768% | 610 |
| Pretax return on assets | 1.7768% | 1,024 |
| Return on Equity (ROE) | 20.5214% | 389 |
| Retained earnings to average equity (ytd only) | 3.0758% | 4,166 |
| Net charge-offs to loans | 0.1015% | 4,160 |
| Credit loss provision to net charge-offs | 204.5455% | 2,174 |
| Earnings coverage of net charge-offs (x) | 21.4545% | 1,337 |
| Efficiency ratio | 48.5278% | 7,700 |
| Assets per employee ($millions) | 6.0423% | 1,171 |
| Cash dividends to net income (ytd only)* | 85.0117% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 5,232 |
| Loan loss allowance to noncurrent loans | 90.3934% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1306% | 4,418 |
| Noncurrent loans to loans | 1.2542% | 4,463 |
| Net loans and leases to total assets | 89.1205% | 188 |
| Net loans and leases to deposits | 110.8625% | 573 |
| Net loans and leases to core deposits | 139.7483% | 1,114 |
| Total domestic deposits to total assets | 80.3883% | 5,215 |
| Equity capital to assets | 8.6411% | 5,857 |
| Core capital (leverage) ratio | 8.6153% | 5,308 |
| Tier 1 risk-based capital ratio | 10.0096% | 6,907 |
| Total risk-based capital ratio | 11.1937% | 6,891 |
| Memoranda: | ||
| Average total assets | $96,126,000 | 5,301 |
| Average earning assets | $89,991,000 | 5,223 |
| Average equity | $8,323,000 | 5,946 |
| Average total loans | $86,717,000 | 4,403 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3589% | 3,647 |
| Cost of funding earning assets | 2.5144% | 4,128 |
| Net interest margin | 3.8445% | 3,817 |
| Noninterest income to average assets | 0.5741% | 4,055 |
| Noninterest expense to average assets | 1.9082% | 7,602 |
| Loan and lease loss provision to assets | 0.2003% | 4,891 |
| Net operating income to assets | 2.0161% | 340 |
| Return on assets (ROA) | 2.0161% | 323 |
| Pretax return on assets | 2.0161% | 580 |
| Return on Equity (ROE) | 22.2206% | 246 |
| Retained earnings to average equity (ytd only) | 3.3233% | 3,076 |
| Net charge-offs to loans | 0.0678% | 5,801 |
| Credit loss provision to net charge-offs | 339.6226% | 1,337 |
| Earnings coverage of net charge-offs (x) | 37.5849% | 982 |
| Efficiency ratio | 46.2638% | 7,912 |
| Assets per employee ($millions) | 5.6221% | 1,373 |
| Cash dividends to net income (ytd only)* | 85.0442% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 5,147 |
| Loan loss allowance to noncurrent loans | 88.6134% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 3,992 |
| Noncurrent loans to loans | 1.2621% | 3,984 |
| Net loans and leases to total assets | 89.2723% | 251 |
| Net loans and leases to deposits | 113.0797% | 662 |
| Net loans and leases to core deposits | 142.6718% | 1,144 |
| Total domestic deposits to total assets | 78.9464% | 5,396 |
| Equity capital to assets | 8.6759% | 5,845 |
| Core capital (leverage) ratio | 8.8085% | 5,023 |
| Tier 1 risk-based capital ratio | 9.6953% | 7,089 |
| Total risk-based capital ratio | 10.8240% | 7,131 |
| Memoranda: | ||
| Average total assets | $89,874,600 | 5,359 |
| Average earning assets | $83,002,400 | 5,329 |
| Average equity | $8,154,600 | 6,022 |
| Average total loans | $78,149,000 | 4,585 |