Home > Bank of Kampsville > Performance and Condition Ratios
Bank of Kampsville, 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 | 3.4275% | 4,421 |
| Cost of funding earning assets | 0.5685% | 4,115 |
| Net interest margin | 2.8590% | 3,558 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.9719% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8219% | 2,800 |
| Return on assets (ROA) | 0.8219% | 2,780 |
| Pretax return on assets | 0.9989% | 2,693 |
| Return on Equity (ROE) | 5.5500% | 3,616 |
| Retained earnings to average equity (ytd only) | 4.4240% | 2,820 |
| Net charge-offs to loans | 0.0202% | 1,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 136.6667% | 756 |
| Efficiency ratio | 66.3751% | 2,300 |
| Assets per employee ($millions) | 6.1320% | 2,706 |
| Cash dividends to net income (ytd only)* | 20.2569% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 4,082 |
| Loan loss allowance to noncurrent loans | 229.8611% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 2,748 |
| Noncurrent loans to loans | 0.3162% | 2,051 |
| Net loans and leases to total assets | 36.8700% | 4,129 |
| Net loans and leases to deposits | 43.9860% | 4,106 |
| Net loans and leases to core deposits | 47.6655% | 4,133 |
| Total domestic deposits to total assets | 83.8200% | 2,670 |
| Equity capital to assets | 15.9150% | 466 |
| Core capital (leverage) ratio | 17.3411% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1453% | 172 |
| Memoranda: | ||
| Average total assets | $123,133,000 | 3,617 |
| Average earning assets | $113,991,000 | 3,605 |
| Average equity | $18,241,600 | 2,989 |
| Average total loans | $44,577,600 | 3,921 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 4,422 |
| Cost of funding earning assets | 0.5211% | 4,103 |
| Net interest margin | 2.8650% | 3,606 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.9298% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8546% | 2,845 |
| Return on assets (ROA) | 0.8546% | 2,828 |
| Pretax return on assets | 1.0471% | 2,718 |
| Return on Equity (ROE) | 5.8800% | 3,660 |
| Retained earnings to average equity (ytd only) | 4.3520% | 3,168 |
| Net charge-offs to loans | 0.0271% | 1,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 107.5556% | 887 |
| Efficiency ratio | 64.8256% | 2,407 |
| Assets per employee ($millions) | 5.3085% | 3,345 |
| Cash dividends to net income (ytd only)* | 25.9494% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 4,102 |
| Loan loss allowance to noncurrent loans | 279.6610% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 2,933 |
| Noncurrent loans to loans | 0.2577% | 2,314 |
| Net loans and leases to total assets | 37.2300% | 4,145 |
| Net loans and leases to deposits | 43.8011% | 4,112 |
| Net loans and leases to core deposits | 47.2244% | 4,104 |
| Total domestic deposits to total assets | 85.0100% | 2,497 |
| Equity capital to assets | 14.7623% | 559 |
| Core capital (leverage) ratio | 17.1626% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $123,256,500 | 3,629 |
| Average earning assets | $114,111,500 | 3,617 |
| Average equity | $17,922,500 | 3,008 |
| Average total loans | $44,335,500 | 3,936 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3318% | 4,445 |
| Cost of funding earning assets | 0.4765% | 4,024 |
| Net interest margin | 2.8553% | 3,719 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.9119% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8557% | 2,904 |
| Return on assets (ROA) | 0.8557% | 2,905 |
| Pretax return on assets | 1.0563% | 2,760 |
| Return on Equity (ROE) | 5.9100% | 3,710 |
| Retained earnings to average equity (ytd only) | 3.6224% | 3,310 |
| Net charge-offs to loans | 0.0730% | 838 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 40.8125% | 1,387 |
| Efficiency ratio | 64.4142% | 2,430 |
| Assets per employee ($millions) | 5.3788% | 3,255 |
| Cash dividends to net income (ytd only)* | 38.7524% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 4,131 |
| Loan loss allowance to noncurrent loans | 347.3118% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 3,019 |
| Noncurrent loans to loans | 0.2104% | 2,421 |
| Net loans and leases to total assets | 35.4600% | 4,196 |
| Net loans and leases to deposits | 41.5953% | 4,172 |
| Net loans and leases to core deposits | 44.9157% | 4,149 |
| Total domestic deposits to total assets | 85.2600% | 2,472 |
| Equity capital to assets | 14.5596% | 568 |
| Core capital (leverage) ratio | 16.9141% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6396% | 176 |
| Memoranda: | ||
| Average total assets | $123,643,667 | 3,638 |
| Average earning assets | $114,592,333 | 3,627 |
| Average equity | $17,888,667 | 3,028 |
| Average total loans | $43,850,000 | 3,959 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1897% | 4,497 |
| Cost of funding earning assets | 0.4144% | 3,927 |
| Net interest margin | 2.7753% | 3,980 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.0516% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6893% | 3,497 |
| Return on assets (ROA) | 0.6893% | 3,446 |
| Pretax return on assets | 0.8414% | 3,363 |
| Return on Equity (ROE) | 4.7800% | 3,918 |
| Retained earnings to average equity (ytd only) | 0.1795% | 3,993 |
| Net charge-offs to loans | 0.1465% | 466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,524 |
| Efficiency ratio | 70.9172% | 1,651 |
| Assets per employee ($millions) | 5.3830% | 3,333 |
| Cash dividends to net income (ytd only)* | 96.2441% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 4,182 |
| Loan loss allowance to noncurrent loans | 48.9394% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 971 |
| Noncurrent loans to loans | 1.5255% | 425 |
| Net loans and leases to total assets | 34.6800% | 4,240 |
| Net loans and leases to deposits | 40.6974% | 4,205 |
| Net loans and leases to core deposits | 44.0362% | 4,169 |
| Total domestic deposits to total assets | 85.2200% | 2,800 |
| Equity capital to assets | 14.5828% | 521 |
| Core capital (leverage) ratio | 16.5818% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $123,609,500 | 3,687 |
| Average earning assets | $114,870,500 | 3,669 |
| Average equity | $17,827,000 | 3,060 |
| Average total loans | $43,678,000 | 4,003 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8754% | 4,259 |
| Cost of funding earning assets | 0.3075% | 2,815 |
| Net interest margin | 2.5679% | 4,211 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.8961% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6666% | 3,716 |
| Return on assets (ROA) | 0.6666% | 3,667 |
| Pretax return on assets | 0.8096% | 3,600 |
| Return on Equity (ROE) | 4.5200% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.4398% | 3,578 |
| Net charge-offs to loans | 0.0068% | 2,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 338.0000% | 451 |
| Efficiency ratio | 70.0797% | 1,676 |
| Assets per employee ($millions) | 5.1420% | 3,564 |
| Cash dividends to net income (ytd only)* | 23.9521% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 4,096 |
| Loan loss allowance to noncurrent loans | 145.4936% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 2,231 |
| Noncurrent loans to loans | 0.5284% | 1,390 |
| Net loans and leases to total assets | 35.4500% | 4,238 |
| Net loans and leases to deposits | 41.4179% | 4,205 |
| Net loans and leases to core deposits | 44.5995% | 4,161 |
| Total domestic deposits to total assets | 85.6000% | 2,832 |
| Equity capital to assets | 14.2607% | 545 |
| Core capital (leverage) ratio | 16.4369% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $125,254,600 | 3,684 |
| Average earning assets | $116,750,400 | 3,656 |
| Average equity | $18,460,600 | 3,082 |
| Average total loans | $44,314,000 | 3,989 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7768% | 4,217 |
| Cost of funding earning assets | 0.3036% | 2,121 |
| Net interest margin | 2.4732% | 4,229 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.8804% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6066% | 3,818 |
| Return on assets (ROA) | 0.6066% | 3,775 |
| Pretax return on assets | 0.7350% | 3,724 |
| Return on Equity (ROE) | 4.0800% | 4,138 |
| Retained earnings to average equity (ytd only) | 2.6557% | 3,873 |
| Net charge-offs to loans | 0.0120% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 173.2500% | 677 |
| Efficiency ratio | 71.8978% | 1,528 |
| Assets per employee ($millions) | 5.1382% | 3,555 |
| Cash dividends to net income (ytd only)* | 34.9650% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7579% | 4,165 |
| Loan loss allowance to noncurrent loans | 270.4000% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 2,940 |
| Noncurrent loans to loans | 0.2803% | 2,252 |
| Net loans and leases to total assets | 35.8900% | 4,233 |
| Net loans and leases to deposits | 41.5908% | 4,186 |
| Net loans and leases to core deposits | 44.6289% | 4,160 |
| Total domestic deposits to total assets | 86.2900% | 2,988 |
| Equity capital to assets | 13.6064% | 604 |
| Core capital (leverage) ratio | 16.2619% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $125,716,000 | 3,701 |
| Average earning assets | $117,255,000 | 3,681 |
| Average equity | $18,676,000 | 3,101 |
| Average total loans | $44,369,500 | 4,011 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6384% | 4,235 |
| Cost of funding earning assets | 0.3024% | 1,691 |
| Net interest margin | 2.3360% | 4,293 |
| Noninterest income to average assets | 0.3177% | 3,267 |
| Noninterest expense to average assets | 1.8053% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5786% | 3,684 |
| Return on assets (ROA) | 0.5786% | 3,630 |
| Pretax return on assets | 0.6987% | 3,581 |
| Return on Equity (ROE) | 3.7911% | 4,071 |
| Retained earnings to average equity (ytd only) | 1.7195% | 3,820 |
| Net charge-offs to loans | 0.1084% | 556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 18.4167% | 1,582 |
| Efficiency ratio | 72.0960% | 1,724 |
| Assets per employee ($millions) | 5.2793% | 3,449 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7191% | 4,302 |
| Loan loss allowance to noncurrent loans | 323.4694% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,203 |
| Noncurrent loans to loans | 0.2223% | 2,613 |
| Net loans and leases to total assets | 34.5396% | 4,305 |
| Net loans and leases to deposits | 40.4300% | 4,254 |
| Net loans and leases to core deposits | 43.4437% | 4,207 |
| Total domestic deposits to total assets | 85.4306% | 3,388 |
| Equity capital to assets | 14.4668% | 466 |
| Core capital (leverage) ratio | 15.9951% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,515,667 | 3,736 |
| Average earning assets | $118,405,000 | 3,719 |
| Average equity | $19,308,333 | 3,123 |
| Average total loans | $44,294,000 | 4,065 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4591% | 4,318 |
| Cost of funding earning assets | 0.3040% | 1,622 |
| Net interest margin | 2.1551% | 4,394 |
| Noninterest income to average assets | 0.3164% | 3,203 |
| Noninterest expense to average assets | 1.8003% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4430% | 3,867 |
| Return on assets (ROA) | 0.4430% | 3,831 |
| Pretax return on assets | 0.5347% | 3,799 |
| Return on Equity (ROE) | 2.8286% | 4,135 |
| Retained earnings to average equity (ytd only) | -1.2123% | 4,161 |
| Net charge-offs to loans | 0.0270% | 1,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 56.3333% | 877 |
| Efficiency ratio | 77.1003% | 1,397 |
| Assets per employee ($millions) | 5.3143% | 3,475 |
| Cash dividends to net income (ytd only)* | 142.8571% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7867% | 4,270 |
| Loan loss allowance to noncurrent loans | 342.4242% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 3,292 |
| Noncurrent loans to loans | 0.2297% | 2,675 |
| Net loans and leases to total assets | 33.5194% | 4,319 |
| Net loans and leases to deposits | 39.4017% | 4,270 |
| Net loans and leases to core deposits | 41.7867% | 4,249 |
| Total domestic deposits to total assets | 85.0710% | 3,529 |
| Equity capital to assets | 14.8466% | 411 |
| Core capital (leverage) ratio | 15.8707% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,421,500 | 3,751 |
| Average earning assets | $118,418,500 | 3,736 |
| Average equity | $19,797,500 | 3,163 |
| Average total loans | $44,401,000 | 4,071 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6212% | 4,390 |
| Cost of funding earning assets | 0.3540% | 1,906 |
| Net interest margin | 2.2672% | 4,439 |
| Noninterest income to average assets | 0.3102% | 3,549 |
| Noninterest expense to average assets | 1.8747% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4769% | 4,135 |
| Return on assets (ROA) | 0.4769% | 4,177 |
| Pretax return on assets | 0.5702% | 4,154 |
| Return on Equity (ROE) | 2.8887% | 4,378 |
| Retained earnings to average equity (ytd only) | 1.9226% | 3,998 |
| Net charge-offs to loans | 0.1031% | 840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 14.3000% | 2,036 |
| Efficiency ratio | 76.6797% | 1,054 |
| Assets per employee ($millions) | 5.2208% | 3,543 |
| Cash dividends to net income (ytd only)* | 33.4448% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 4,356 |
| Loan loss allowance to noncurrent loans | 328.8462% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 3,247 |
| Noncurrent loans to loans | 0.2275% | 2,817 |
| Net loans and leases to total assets | 36.2086% | 4,278 |
| Net loans and leases to deposits | 43.4527% | 4,205 |
| Net loans and leases to core deposits | 46.2058% | 4,178 |
| Total domestic deposits to total assets | 83.3287% | 3,730 |
| Equity capital to assets | 16.4878% | 331 |
| Core capital (leverage) ratio | 16.1856% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,403,400 | 3,742 |
| Average earning assets | $118,076,400 | 3,706 |
| Average equity | $20,701,200 | 3,156 |
| Average total loans | $48,488,800 | 4,030 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6472% | 4,460 |
| Cost of funding earning assets | 0.3640% | 1,993 |
| Net interest margin | 2.2832% | 4,501 |
| Noninterest income to average assets | 0.3125% | 3,560 |
| Noninterest expense to average assets | 1.8315% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5219% | 4,156 |
| Return on assets (ROA) | 0.5219% | 4,204 |
| Pretax return on assets | 0.6346% | 4,182 |
| Return on Equity (ROE) | 3.1608% | 4,442 |
| Retained earnings to average equity (ytd only) | 1.8733% | 4,225 |
| Net charge-offs to loans | 0.0217% | 1,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 74.6250% | 1,020 |
| Efficiency ratio | 74.2672% | 1,194 |
| Assets per employee ($millions) | 5.2490% | 3,455 |
| Cash dividends to net income (ytd only)* | 40.7332% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 4,324 |
| Loan loss allowance to noncurrent loans | 159.3361% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,749 |
| Noncurrent loans to loans | 0.5107% | 2,029 |
| Net loans and leases to total assets | 37.1520% | 4,332 |
| Net loans and leases to deposits | 44.6240% | 4,289 |
| Net loans and leases to core deposits | 47.4781% | 4,263 |
| Total domestic deposits to total assets | 83.2557% | 3,642 |
| Equity capital to assets | 16.5006% | 367 |
| Core capital (leverage) ratio | 16.1322% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,429,500 | 3,775 |
| Average earning assets | $118,312,250 | 3,742 |
| Average equity | $20,711,750 | 3,193 |
| Average total loans | $49,183,250 | 4,074 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6741% | 4,485 |
| Cost of funding earning assets | 0.3755% | 2,085 |
| Net interest margin | 2.2986% | 4,521 |
| Noninterest income to average assets | 0.3082% | 3,586 |
| Noninterest expense to average assets | 1.8204% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5317% | 4,160 |
| Return on assets (ROA) | 0.5317% | 4,207 |
| Pretax return on assets | 0.6483% | 4,161 |
| Return on Equity (ROE) | 3.2195% | 4,442 |
| Retained earnings to average equity (ytd only) | 1.2859% | 4,280 |
| Net charge-offs to loans | 0.0682% | 946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 23.8824% | 1,450 |
| Efficiency ratio | 73.7387% | 1,265 |
| Assets per employee ($millions) | 5.3217% | 3,329 |
| Cash dividends to net income (ytd only)* | 60.0601% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 4,412 |
| Loan loss allowance to noncurrent loans | 132.5088% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,747 |
| Noncurrent loans to loans | 0.5817% | 1,947 |
| Net loans and leases to total assets | 37.7964% | 4,391 |
| Net loans and leases to deposits | 45.2279% | 4,337 |
| Net loans and leases to core deposits | 48.1387% | 4,320 |
| Total domestic deposits to total assets | 83.5689% | 3,552 |
| Equity capital to assets | 16.1970% | 393 |
| Core capital (leverage) ratio | 15.7612% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,247,000 | 3,790 |
| Average earning assets | $117,723,667 | 3,761 |
| Average equity | $20,686,667 | 3,189 |
| Average total loans | $49,848,667 | 4,090 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7239% | 4,455 |
| Cost of funding earning assets | 0.3886% | 2,190 |
| Net interest margin | 2.3352% | 4,483 |
| Noninterest income to average assets | 0.3193% | 3,496 |
| Noninterest expense to average assets | 1.7482% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6129% | 3,905 |
| Return on assets (ROA) | 0.6129% | 3,974 |
| Pretax return on assets | 0.7612% | 3,881 |
| Return on Equity (ROE) | 3.6739% | 4,350 |
| Retained earnings to average equity (ytd only) | -0.1934% | 4,382 |
| Net charge-offs to loans | 0.1348% | 557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.8824% | 1,384 |
| Efficiency ratio | 69.6658% | 1,740 |
| Assets per employee ($millions) | 5.3432% | 3,287 |
| Cash dividends to net income (ytd only)* | 105.2632% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 4,480 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 2,807 |
| Noncurrent loans to loans | 0.6033% | 2,062 |
| Net loans and leases to total assets | 38.4876% | 4,406 |
| Net loans and leases to deposits | 46.0388% | 4,350 |
| Net loans and leases to core deposits | 48.9366% | 4,341 |
| Total domestic deposits to total assets | 83.5982% | 3,545 |
| Equity capital to assets | 16.0860% | 381 |
| Core capital (leverage) ratio | 16.2784% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,010,000 | 3,814 |
| Average earning assets | $116,305,500 | 3,780 |
| Average equity | $20,686,500 | 3,183 |
| Average total loans | $50,448,500 | 4,093 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3480% | 4,265 |
| Cost of funding earning assets | 0.5458% | 2,634 |
| Net interest margin | 2.8022% | 4,266 |
| Noninterest income to average assets | 0.3597% | 3,311 |
| Noninterest expense to average assets | 1.9875% | 4,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7966% | 3,108 |
| Return on assets (ROA) | 0.7966% | 3,225 |
| Pretax return on assets | 0.9890% | 3,077 |
| Return on Equity (ROE) | 4.5336% | 4,017 |
| Retained earnings to average equity (ytd only) | 3.5223% | 3,067 |
| Net charge-offs to loans | 0.0057% | 3,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 380.3333% | 287 |
| Efficiency ratio | 66.7734% | 2,396 |
| Assets per employee ($millions) | 4.7914% | 3,615 |
| Cash dividends to net income (ytd only)* | 22.3069% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7661% | 4,487 |
| Loan loss allowance to noncurrent loans | 100.7712% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 2,532 |
| Noncurrent loans to loans | 0.7603% | 1,806 |
| Net loans and leases to total assets | 42.3888% | 4,328 |
| Net loans and leases to deposits | 51.4918% | 4,243 |
| Net loans and leases to core deposits | 54.8966% | 4,213 |
| Total domestic deposits to total assets | 82.3215% | 3,587 |
| Equity capital to assets | 17.3187% | 315 |
| Core capital (leverage) ratio | 16.8400% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,370,600 | 3,803 |
| Average earning assets | $107,736,000 | 3,803 |
| Average equity | $20,270,800 | 3,168 |
| Average total loans | $52,794,400 | 4,049 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4136% | 4,329 |
| Cost of funding earning assets | 0.5606% | 2,864 |
| Net interest margin | 2.8530% | 4,259 |
| Noninterest income to average assets | 0.3547% | 3,330 |
| Noninterest expense to average assets | 1.9416% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8623% | 2,852 |
| Return on assets (ROA) | 0.8623% | 2,991 |
| Pretax return on assets | 1.0793% | 2,811 |
| Return on Equity (ROE) | 4.8893% | 3,925 |
| Retained earnings to average equity (ytd only) | 3.5330% | 3,294 |
| Net charge-offs to loans | 0.0100% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 231.2500% | 447 |
| Efficiency ratio | 64.2719% | 2,692 |
| Assets per employee ($millions) | 4.6932% | 3,607 |
| Cash dividends to net income (ytd only)* | 27.7402% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7281% | 4,526 |
| Loan loss allowance to noncurrent loans | 74.3346% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 2,248 |
| Noncurrent loans to loans | 0.9795% | 1,526 |
| Net loans and leases to total assets | 45.4364% | 4,344 |
| Net loans and leases to deposits | 55.4094% | 4,287 |
| Net loans and leases to core deposits | 58.8292% | 4,262 |
| Total domestic deposits to total assets | 82.0013% | 3,420 |
| Equity capital to assets | 17.5793% | 333 |
| Core capital (leverage) ratio | 17.1215% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,267,250 | 3,813 |
| Average earning assets | $106,786,000 | 3,809 |
| Average equity | $20,152,250 | 3,168 |
| Average total loans | $53,201,250 | 4,063 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4307% | 4,508 |
| Cost of funding earning assets | 0.5778% | 3,095 |
| Net interest margin | 2.8530% | 4,381 |
| Noninterest income to average assets | 0.3409% | 3,431 |
| Noninterest expense to average assets | 1.9886% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8089% | 3,015 |
| Return on assets (ROA) | 0.8089% | 3,129 |
| Pretax return on assets | 1.0208% | 2,967 |
| Return on Equity (ROE) | 4.5813% | 3,950 |
| Retained earnings to average equity (ytd only) | 2.5307% | 3,569 |
| Net charge-offs to loans | 0.0226% | 2,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 96.3333% | 712 |
| Efficiency ratio | 66.0798% | 2,506 |
| Assets per employee ($millions) | 4.6576% | 3,589 |
| Cash dividends to net income (ytd only)* | 44.7598% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7350% | 4,500 |
| Loan loss allowance to noncurrent loans | 27.8454% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.2376% | 869 |
| Noncurrent loans to loans | 2.6395% | 424 |
| Net loans and leases to total assets | 45.1206% | 4,399 |
| Net loans and leases to deposits | 54.9963% | 4,337 |
| Net loans and leases to core deposits | 57.9947% | 4,357 |
| Total domestic deposits to total assets | 82.0430% | 3,356 |
| Equity capital to assets | 17.5165% | 333 |
| Core capital (leverage) ratio | 17.0410% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,246,000 | 3,811 |
| Average earning assets | $105,925,333 | 3,809 |
| Average equity | $19,994,333 | 3,172 |
| Average total loans | $53,034,333 | 4,079 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5740% | 4,555 |
| Cost of funding earning assets | 0.5918% | 3,475 |
| Net interest margin | 2.9822% | 4,312 |
| Noninterest income to average assets | 0.3189% | 3,608 |
| Noninterest expense to average assets | 2.0278% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8312% | 2,796 |
| Return on assets (ROA) | 0.8312% | 2,879 |
| Pretax return on assets | 1.0712% | 2,609 |
| Return on Equity (ROE) | 4.6884% | 3,749 |
| Retained earnings to average equity (ytd only) | 0.5456% | 3,861 |
| Net charge-offs to loans | -0.0226% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4335% | 3,036 |
| Assets per employee ($millions) | 4.5420% | 3,207 |
| Cash dividends to net income (ytd only)* | 88.3621% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7506% | 4,520 |
| Loan loss allowance to noncurrent loans | 39.9198% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 1,458 |
| Noncurrent loans to loans | 1.8803% | 783 |
| Net loans and leases to total assets | 46.3465% | 4,409 |
| Net loans and leases to deposits | 56.5458% | 4,346 |
| Net loans and leases to core deposits | 59.6863% | 4,370 |
| Total domestic deposits to total assets | 81.9629% | 3,433 |
| Equity capital to assets | 17.5730% | 389 |
| Core capital (leverage) ratio | 17.4034% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,649,500 | 3,821 |
| Average earning assets | $104,084,000 | 3,819 |
| Average equity | $19,793,500 | 3,187 |
| Average total loans | $53,088,000 | 4,091 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6754% | 4,703 |
| Cost of funding earning assets | 0.5666% | 3,793 |
| Net interest margin | 3.1088% | 4,346 |
| Noninterest income to average assets | 0.3391% | 3,681 |
| Noninterest expense to average assets | 2.1851% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8343% | 3,436 |
| Return on assets (ROA) | 0.8343% | 3,526 |
| Pretax return on assets | 1.0443% | 3,348 |
| Return on Equity (ROE) | 4.7081% | 4,294 |
| Retained earnings to average equity (ytd only) | 3.6595% | 3,165 |
| Net charge-offs to loans | -0.0804% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6640% | 2,507 |
| Assets per employee ($millions) | 4.3900% | 3,386 |
| Cash dividends to net income (ytd only)* | 22.2717% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 4,477 |
| Loan loss allowance to noncurrent loans | 33.9639% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1007% | 1,109 |
| Noncurrent loans to loans | 2.1881% | 568 |
| Net loans and leases to total assets | 48.0702% | 4,425 |
| Net loans and leases to deposits | 58.7848% | 4,342 |
| Net loans and leases to core deposits | 62.1739% | 4,350 |
| Total domestic deposits to total assets | 81.7731% | 3,570 |
| Equity capital to assets | 17.8888% | 377 |
| Core capital (leverage) ratio | 17.4400% | 374 |
| Tier 1 risk-based capital ratio | 29.4427% | 494 |
| Total risk-based capital ratio | 30.0440% | 514 |
| Memoranda: | ||
| Average total assets | $107,636,600 | 3,869 |
| Average earning assets | $100,069,400 | 3,870 |
| Average equity | $19,073,400 | 3,216 |
| Average total loans | $52,211,000 | 4,139 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,845 |
| Cost of funding earning assets | 0.5552% | 3,897 |
| Net interest margin | 3.0876% | 4,497 |
| Noninterest income to average assets | 0.3436% | 3,671 |
| Noninterest expense to average assets | 2.1622% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8378% | 3,553 |
| Return on assets (ROA) | 0.8378% | 3,635 |
| Pretax return on assets | 1.0544% | 3,435 |
| Return on Equity (ROE) | 4.7393% | 4,406 |
| Retained earnings to average equity (ytd only) | 3.3309% | 3,742 |
| Net charge-offs to loans | -0.0667% | 4,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2214% | 2,544 |
| Assets per employee ($millions) | 4.3585% | 3,402 |
| Cash dividends to net income (ytd only)* | 29.7177% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7182% | 4,611 |
| Loan loss allowance to noncurrent loans | 32.2581% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.1215% | 1,166 |
| Noncurrent loans to loans | 2.2265% | 562 |
| Net loans and leases to total assets | 48.2072% | 4,504 |
| Net loans and leases to deposits | 58.9646% | 4,428 |
| Net loans and leases to core deposits | 61.5781% | 4,474 |
| Total domestic deposits to total assets | 81.7562% | 3,547 |
| Equity capital to assets | 17.8776% | 400 |
| Core capital (leverage) ratio | 17.8868% | 363 |
| Tier 1 risk-based capital ratio | 29.8076% | 491 |
| Total risk-based capital ratio | 30.4001% | 505 |
| Memoranda: | ||
| Average total assets | $107,108,250 | 3,910 |
| Average earning assets | $99,666,500 | 3,908 |
| Average equity | $18,933,500 | 3,254 |
| Average total loans | $51,975,750 | 4,188 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 4,833 |
| Cost of funding earning assets | 0.5485% | 3,881 |
| Net interest margin | 3.1496% | 4,453 |
| Noninterest income to average assets | 0.3644% | 3,498 |
| Noninterest expense to average assets | 2.1579% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8996% | 3,284 |
| Return on assets (ROA) | 0.8996% | 3,354 |
| Pretax return on assets | 1.1400% | 3,120 |
| Return on Equity (ROE) | 5.1090% | 4,318 |
| Retained earnings to average equity (ytd only) | 2.9758% | 3,727 |
| Net charge-offs to loans | -0.0890% | 4,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4328% | 2,899 |
| Assets per employee ($millions) | 4.2152% | 3,555 |
| Cash dividends to net income (ytd only)* | 41.7537% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 4,671 |
| Loan loss allowance to noncurrent loans | 90.6024% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4735% | 2,638 |
| Noncurrent loans to loans | 0.7940% | 2,007 |
| Net loans and leases to total assets | 49.2385% | 4,510 |
| Net loans and leases to deposits | 60.4798% | 4,408 |
| Net loans and leases to core deposits | 63.4366% | 4,434 |
| Total domestic deposits to total assets | 81.4132% | 3,690 |
| Equity capital to assets | 18.2224% | 357 |
| Core capital (leverage) ratio | 17.8449% | 353 |
| Tier 1 risk-based capital ratio | 29.4620% | 499 |
| Total risk-based capital ratio | 30.0473% | 520 |
| Memoranda: | ||
| Average total assets | $106,490,000 | 3,948 |
| Average earning assets | $99,186,670 | 3,939 |
| Average equity | $18,751,330 | 3,273 |
| Average total loans | $51,665,000 | 4,233 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6393% | 4,922 |
| Cost of funding earning assets | 0.5325% | 3,906 |
| Net interest margin | 3.1068% | 4,587 |
| Noninterest income to average assets | 0.4148% | 3,082 |
| Noninterest expense to average assets | 2.1673% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8931% | 3,254 |
| Return on assets (ROA) | 0.8931% | 3,310 |
| Pretax return on assets | 1.1472% | 2,985 |
| Return on Equity (ROE) | 5.1605% | 4,277 |
| Retained earnings to average equity (ytd only) | 0.8421% | 4,356 |
| Net charge-offs to loans | -0.1713% | 5,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3890% | 3,028 |
| Assets per employee ($millions) | 4.2913% | 3,497 |
| Cash dividends to net income (ytd only)* | 83.6820% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 4,717 |
| Loan loss allowance to noncurrent loans | 101.0782% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 2,889 |
| Noncurrent loans to loans | 0.7215% | 2,218 |
| Net loans and leases to total assets | 47.5830% | 4,599 |
| Net loans and leases to deposits | 57.8225% | 4,517 |
| Net loans and leases to core deposits | 60.7317% | 4,545 |
| Total domestic deposits to total assets | 82.2915% | 3,647 |
| Equity capital to assets | 17.4298% | 400 |
| Core capital (leverage) ratio | 17.5210% | 370 |
| Tier 1 risk-based capital ratio | 29.0670% | 505 |
| Total risk-based capital ratio | 29.6504% | 532 |
| Memoranda: | ||
| Average total assets | $107,044,500 | 3,980 |
| Average earning assets | $99,910,000 | 3,969 |
| Average equity | $18,525,500 | 3,311 |
| Average total loans | $51,365,500 | 4,274 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6117% | 4,784 |
| Cost of funding earning assets | 0.5015% | 3,342 |
| Net interest margin | 3.1102% | 4,634 |
| Noninterest income to average assets | 0.3196% | 3,972 |
| Noninterest expense to average assets | 2.1905% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8339% | 3,681 |
| Return on assets (ROA) | 0.8339% | 3,676 |
| Pretax return on assets | 1.0296% | 3,515 |
| Return on Equity (ROE) | 5.0129% | 4,451 |
| Retained earnings to average equity (ytd only) | 3.8927% | 3,440 |
| Net charge-offs to loans | 0.1260% | 1,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 2,214 |
| Efficiency ratio | 68.0266% | 2,540 |
| Assets per employee ($millions) | 4.4503% | 3,241 |
| Cash dividends to net income (ytd only)* | 22.3464% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 4,821 |
| Loan loss allowance to noncurrent loans | 91.2145% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 2,762 |
| Noncurrent loans to loans | 0.7543% | 2,118 |
| Net loans and leases to total assets | 47.7075% | 4,658 |
| Net loans and leases to deposits | 57.6903% | 4,588 |
| Net loans and leases to core deposits | 60.5864% | 4,603 |
| Total domestic deposits to total assets | 82.6959% | 3,426 |
| Equity capital to assets | 17.1824% | 405 |
| Core capital (leverage) ratio | 17.2676% | 383 |
| Tier 1 risk-based capital ratio | 28.7980% | 521 |
| Total risk-based capital ratio | 29.3433% | 548 |
| Memoranda: | ||
| Average total assets | $107,326,200 | 3,978 |
| Average earning assets | $100,091,400 | 3,974 |
| Average equity | $17,853,800 | 3,308 |
| Average total loans | $51,579,800 | 4,285 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 4,816 |
| Cost of funding earning assets | 0.4949% | 3,230 |
| Net interest margin | 3.0999% | 4,705 |
| Noninterest income to average assets | 0.3226% | 3,991 |
| Noninterest expense to average assets | 2.1490% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8561% | 3,711 |
| Return on assets (ROA) | 0.8561% | 3,719 |
| Pretax return on assets | 1.0646% | 3,520 |
| Return on Equity (ROE) | 5.1891% | 4,501 |
| Retained earnings to average equity (ytd only) | 3.6850% | 3,927 |
| Net charge-offs to loans | 0.1239% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 17.8745% | 2,090 |
| Efficiency ratio | 66.8726% | 2,736 |
| Assets per employee ($millions) | 4.2680% | 3,482 |
| Cash dividends to net income (ytd only)* | 28.9854% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 4,854 |
| Loan loss allowance to noncurrent loans | 201.6304% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,642 |
| Noncurrent loans to loans | 0.3525% | 3,391 |
| Net loans and leases to total assets | 48.5750% | 4,688 |
| Net loans and leases to deposits | 58.4619% | 4,624 |
| Net loans and leases to core deposits | 61.4493% | 4,640 |
| Total domestic deposits to total assets | 83.0883% | 3,278 |
| Equity capital to assets | 16.7815% | 435 |
| Core capital (leverage) ratio | 17.2290% | 392 |
| Tier 1 risk-based capital ratio | 27.3400% | 608 |
| Total risk-based capital ratio | 27.8900% | 631 |
| Memoranda: | ||
| Average total assets | $107,456,000 | 4,020 |
| Average earning assets | $100,215,000 | 4,013 |
| Average equity | $17,729,250 | 3,351 |
| Average total loans | $51,647,750 | 4,321 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 4,818 |
| Cost of funding earning assets | 0.4915% | 3,071 |
| Net interest margin | 3.0761% | 4,774 |
| Noninterest income to average assets | 0.3305% | 3,977 |
| Noninterest expense to average assets | 2.1336% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8579% | 3,639 |
| Return on assets (ROA) | 0.8579% | 3,632 |
| Pretax return on assets | 1.0677% | 3,441 |
| Return on Equity (ROE) | 5.2291% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.9654% | 4,069 |
| Net charge-offs to loans | 0.1865% | 840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.9792% | 2,235 |
| Efficiency ratio | 66.6473% | 2,870 |
| Assets per employee ($millions) | 4.2822% | 3,450 |
| Cash dividends to net income (ytd only)* | 43.2900% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7242% | 4,882 |
| Loan loss allowance to noncurrent loans | 205.5556% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 3,736 |
| Noncurrent loans to loans | 0.3523% | 3,435 |
| Net loans and leases to total assets | 47.3803% | 4,753 |
| Net loans and leases to deposits | 56.8790% | 4,706 |
| Net loans and leases to core deposits | 59.9570% | 4,712 |
| Total domestic deposits to total assets | 83.3002% | 3,324 |
| Equity capital to assets | 16.5887% | 439 |
| Core capital (leverage) ratio | 16.7251% | 425 |
| Tier 1 risk-based capital ratio | 27.4054% | 588 |
| Total risk-based capital ratio | 27.9622% | 620 |
| Memoranda: | ||
| Average total assets | $107,707,670 | 4,055 |
| Average earning assets | $100,518,000 | 4,039 |
| Average equity | $17,670,330 | 3,372 |
| Average total loans | $51,463,330 | 4,361 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 4,883 |
| Cost of funding earning assets | 0.4882% | 2,881 |
| Net interest margin | 3.0084% | 4,865 |
| Noninterest income to average assets | 0.3517% | 3,792 |
| Noninterest expense to average assets | 2.0808% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8516% | 3,495 |
| Return on assets (ROA) | 0.8516% | 3,511 |
| Pretax return on assets | 1.0774% | 3,252 |
| Return on Equity (ROE) | 5.2196% | 4,414 |
| Retained earnings to average equity (ytd only) | 0.6808% | 4,694 |
| Net charge-offs to loans | 0.4105% | 381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.4906% | 2,234 |
| Efficiency ratio | 65.8851% | 3,182 |
| Assets per employee ($millions) | 4.3888% | 3,338 |
| Cash dividends to net income (ytd only)* | 86.9565% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 4,980 |
| Loan loss allowance to noncurrent loans | 76.0417% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 2,778 |
| Noncurrent loans to loans | 0.9500% | 1,922 |
| Net loans and leases to total assets | 45.7191% | 4,806 |
| Net loans and leases to deposits | 54.5286% | 4,768 |
| Net loans and leases to core deposits | 57.7529% | 4,766 |
| Total domestic deposits to total assets | 83.8443% | 3,390 |
| Equity capital to assets | 15.9989% | 486 |
| Core capital (leverage) ratio | 16.7119% | 411 |
| Tier 1 risk-based capital ratio | 26.6509% | 630 |
| Total risk-based capital ratio | 27.1919% | 673 |
| Memoranda: | ||
| Average total assets | $108,034,000 | 4,097 |
| Average earning assets | $100,786,000 | 4,080 |
| Average equity | $17,626,000 | 3,404 |
| Average total loans | $51,648,500 | 4,406 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5375% | 4,722 |
| Cost of funding earning assets | 0.5176% | 2,196 |
| Net interest margin | 3.0199% | 4,842 |
| Noninterest income to average assets | 0.3207% | 4,170 |
| Noninterest expense to average assets | 2.0964% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8119% | 3,107 |
| Return on assets (ROA) | 0.8119% | 3,149 |
| Pretax return on assets | 1.0417% | 3,411 |
| Return on Equity (ROE) | 5.0056% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.8628% | 2,894 |
| Net charge-offs to loans | 0.0816% | 2,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 26.1395% | 1,687 |
| Efficiency ratio | 66.8045% | 3,110 |
| Assets per employee ($millions) | 4.2539% | 3,572 |
| Cash dividends to net income (ytd only)* | 22.8311% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 4,851 |
| Loan loss allowance to noncurrent loans | 72.5694% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 2,676 |
| Noncurrent loans to loans | 1.0915% | 1,624 |
| Net loans and leases to total assets | 49.2261% | 4,689 |
| Net loans and leases to deposits | 59.1423% | 4,627 |
| Net loans and leases to core deposits | 62.6350% | 4,620 |
| Total domestic deposits to total assets | 83.2333% | 3,483 |
| Equity capital to assets | 16.6416% | 436 |
| Core capital (leverage) ratio | 16.4947% | 415 |
| Tier 1 risk-based capital ratio | 26.3085% | 642 |
| Total risk-based capital ratio | 26.9211% | 673 |
| Memoranda: | ||
| Average total assets | $107,899,600 | 4,100 |
| Average earning assets | $100,664,200 | 4,087 |
| Average equity | $17,500,400 | 3,430 |
| Average total loans | $52,697,200 | 4,392 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5132% | 4,783 |
| Cost of funding earning assets | 0.5183% | 2,121 |
| Net interest margin | 2.9949% | 4,932 |
| Noninterest income to average assets | 0.3201% | 4,244 |
| Noninterest expense to average assets | 2.0180% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8126% | 3,472 |
| Return on assets (ROA) | 0.8126% | 3,516 |
| Pretax return on assets | 1.0983% | 3,306 |
| Return on Equity (ROE) | 5.0426% | 4,519 |
| Retained earnings to average equity (ytd only) | 3.5145% | 3,820 |
| Net charge-offs to loans | 0.0101% | 3,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 223.1332% | 391 |
| Efficiency ratio | 64.7570% | 3,414 |
| Assets per employee ($millions) | 4.3280% | 3,426 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 4,710 |
| Loan loss allowance to noncurrent loans | 119.3211% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,539 |
| Noncurrent loans to loans | 0.7228% | 2,549 |
| Net loans and leases to total assets | 48.5476% | 4,796 |
| Net loans and leases to deposits | 58.2995% | 4,740 |
| Net loans and leases to core deposits | 61.4331% | 4,745 |
| Total domestic deposits to total assets | 83.2728% | 3,367 |
| Equity capital to assets | 16.4499% | 491 |
| Core capital (leverage) ratio | 16.3723% | 451 |
| Tier 1 risk-based capital ratio | 25.4561% | 708 |
| Total risk-based capital ratio | 26.1122% | 754 |
| Memoranda: | ||
| Average total assets | $108,287,500 | 4,130 |
| Average earning assets | $101,102,500 | 4,118 |
| Average equity | $17,451,000 | 3,469 |
| Average total loans | $52,679,250 | 4,429 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4813% | 4,809 |
| Cost of funding earning assets | 0.5196% | 2,017 |
| Net interest margin | 2.9617% | 4,987 |
| Noninterest income to average assets | 0.3250% | 4,223 |
| Noninterest expense to average assets | 2.0145% | 4,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7958% | 3,415 |
| Return on assets (ROA) | 0.7958% | 3,474 |
| Pretax return on assets | 1.0783% | 3,271 |
| Return on Equity (ROE) | 4.9726% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.6651% | 4,111 |
| Net charge-offs to loans | -0.0342% | 5,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1343% | 3,483 |
| Assets per employee ($millions) | 4.3376% | 3,367 |
| Cash dividends to net income (ytd only)* | 46.4037% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 4,652 |
| Loan loss allowance to noncurrent loans | 91.4397% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 3,149 |
| Noncurrent loans to loans | 0.9804% | 2,001 |
| Net loans and leases to total assets | 47.9122% | 4,829 |
| Net loans and leases to deposits | 57.3928% | 4,777 |
| Net loans and leases to core deposits | 60.2752% | 4,807 |
| Total domestic deposits to total assets | 83.4812% | 3,408 |
| Equity capital to assets | 16.2228% | 509 |
| Core capital (leverage) ratio | 16.0312% | 472 |
| Tier 1 risk-based capital ratio | 25.3332% | 722 |
| Total risk-based capital ratio | 26.0134% | 754 |
| Memoranda: | ||
| Average total assets | $108,316,330 | 4,160 |
| Average earning assets | $101,226,670 | 4,146 |
| Average equity | $17,335,000 | 3,493 |
| Average total loans | $52,577,000 | 4,454 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4769% | 4,756 |
| Cost of funding earning assets | 0.5273% | 1,881 |
| Net interest margin | 2.9496% | 4,996 |
| Noninterest income to average assets | 0.3399% | 4,127 |
| Noninterest expense to average assets | 1.9953% | 5,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7944% | 3,247 |
| Return on assets (ROA) | 0.7944% | 3,306 |
| Pretax return on assets | 1.0937% | 3,015 |
| Return on Equity (ROE) | 4.9981% | 4,390 |
| Retained earnings to average equity (ytd only) | 0.3487% | 4,837 |
| Net charge-offs to loans | -0.0304% | 4,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5933% | 3,729 |
| Assets per employee ($millions) | 4.3952% | 3,340 |
| Cash dividends to net income (ytd only)* | 93.0233% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 4,761 |
| Loan loss allowance to noncurrent loans | 384.2975% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 4,778 |
| Noncurrent loans to loans | 0.2336% | 4,277 |
| Net loans and leases to total assets | 46.7160% | 4,909 |
| Net loans and leases to deposits | 55.6023% | 4,843 |
| Net loans and leases to core deposits | 58.8616% | 4,834 |
| Total domestic deposits to total assets | 84.0182% | 3,469 |
| Equity capital to assets | 15.7206% | 539 |
| Core capital (leverage) ratio | 15.9879% | 460 |
| Tier 1 risk-based capital ratio | 25.6426% | 714 |
| Total risk-based capital ratio | 26.3323% | 747 |
| Memoranda: | ||
| Average total assets | $108,254,500 | 4,204 |
| Average earning assets | $100,894,000 | 4,190 |
| Average equity | $17,206,500 | 3,516 |
| Average total loans | $52,652,500 | 4,493 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5663% | 4,601 |
| Cost of funding earning assets | 0.5633% | 1,583 |
| Net interest margin | 3.0031% | 4,954 |
| Noninterest income to average assets | 0.3387% | 4,315 |
| Noninterest expense to average assets | 2.1561% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7283% | 3,648 |
| Return on assets (ROA) | 0.7451% | 3,675 |
| Pretax return on assets | 1.0038% | 3,465 |
| Return on Equity (ROE) | 4.6105% | 4,616 |
| Retained earnings to average equity (ytd only) | 3.4463% | 3,477 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7256% | 3,121 |
| Assets per employee ($millions) | 4.2651% | 3,499 |
| Cash dividends to net income (ytd only)* | 25.2525% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,920 |
| Loan loss allowance to noncurrent loans | 171.3755% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 4,235 |
| Noncurrent loans to loans | 0.5027% | 3,345 |
| Net loans and leases to total assets | 49.7496% | 4,783 |
| Net loans and leases to deposits | 59.3759% | 4,718 |
| Net loans and leases to core deposits | 62.5304% | 4,719 |
| Total domestic deposits to total assets | 83.7876% | 3,505 |
| Equity capital to assets | 16.0736% | 492 |
| Core capital (leverage) ratio | 15.9668% | 467 |
| Tier 1 risk-based capital ratio | 25.4775% | 727 |
| Total risk-based capital ratio | 26.1574% | 765 |
| Memoranda: | ||
| Average total assets | $106,300,800 | 4,234 |
| Average earning assets | $99,065,400 | 4,226 |
| Average equity | $17,178,000 | 3,532 |
| Average total loans | $54,246,200 | 4,448 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5577% | 4,660 |
| Cost of funding earning assets | 0.5640% | 1,585 |
| Net interest margin | 2.9937% | 5,024 |
| Noninterest income to average assets | 0.3515% | 4,276 |
| Noninterest expense to average assets | 2.1063% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7673% | 3,525 |
| Return on assets (ROA) | 0.7895% | 3,557 |
| Pretax return on assets | 1.0670% | 3,366 |
| Return on Equity (ROE) | 4.8793% | 4,565 |
| Retained earnings to average equity (ytd only) | 3.3279% | 3,903 |
| Net charge-offs to loans | -0.0441% | 5,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0128% | 3,419 |
| Assets per employee ($millions) | 4.2380% | 3,529 |
| Cash dividends to net income (ytd only)* | 31.7963% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 4,965 |
| Loan loss allowance to noncurrent loans | 177.4074% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 4,371 |
| Noncurrent loans to loans | 0.4914% | 3,530 |
| Net loans and leases to total assets | 51.4030% | 4,701 |
| Net loans and leases to deposits | 61.8493% | 4,636 |
| Net loans and leases to core deposits | 64.5606% | 4,696 |
| Total domestic deposits to total assets | 83.1101% | 3,543 |
| Equity capital to assets | 16.4954% | 484 |
| Core capital (leverage) ratio | 16.2846% | 436 |
| Tier 1 risk-based capital ratio | 24.2499% | 882 |
| Total risk-based capital ratio | 24.9288% | 916 |
| Memoranda: | ||
| Average total assets | $106,219,000 | 4,276 |
| Average earning assets | $99,049,500 | 4,255 |
| Average equity | $17,187,750 | 3,559 |
| Average total loans | $54,430,750 | 4,484 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5417% | 4,765 |
| Cost of funding earning assets | 0.5618% | 1,597 |
| Net interest margin | 2.9800% | 5,117 |
| Noninterest income to average assets | 0.3650% | 4,147 |
| Noninterest expense to average assets | 2.0375% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8180% | 3,227 |
| Return on assets (ROA) | 0.8278% | 3,316 |
| Pretax return on assets | 1.1250% | 3,105 |
| Return on Equity (ROE) | 5.1488% | 4,447 |
| Retained earnings to average equity (ytd only) | 2.8084% | 4,113 |
| Net charge-offs to loans | -0.0405% | 5,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6953% | 3,902 |
| Assets per employee ($millions) | 4.2102% | 3,545 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 5,035 |
| Loan loss allowance to noncurrent loans | 126.2032% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 4,017 |
| Noncurrent loans to loans | 0.6924% | 3,000 |
| Net loans and leases to total assets | 50.8717% | 4,776 |
| Net loans and leases to deposits | 61.2783% | 4,713 |
| Net loans and leases to core deposits | 64.3315% | 4,724 |
| Total domestic deposits to total assets | 83.0174% | 3,647 |
| Equity capital to assets | 16.5227% | 484 |
| Core capital (leverage) ratio | 16.0054% | 462 |
| Tier 1 risk-based capital ratio | 24.9164% | 816 |
| Total risk-based capital ratio | 25.6114% | 853 |
| Memoranda: | ||
| Average total assets | $106,308,330 | 4,305 |
| Average earning assets | $99,330,000 | 4,283 |
| Average equity | $17,091,330 | 3,578 |
| Average total loans | $54,260,670 | 4,525 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5523% | 4,758 |
| Cost of funding earning assets | 0.5666% | 1,568 |
| Net interest margin | 2.9857% | 5,151 |
| Noninterest income to average assets | 0.3782% | 4,004 |
| Noninterest expense to average assets | 2.0256% | 5,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8088% | 3,193 |
| Return on assets (ROA) | 0.8274% | 3,238 |
| Pretax return on assets | 1.1607% | 2,848 |
| Return on Equity (ROE) | 5.2180% | 4,381 |
| Retained earnings to average equity (ytd only) | 0.4958% | 4,994 |
| Net charge-offs to loans | -0.0368% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0995% | 4,108 |
| Assets per employee ($millions) | 4.2530% | 3,488 |
| Cash dividends to net income (ytd only)* | 90.4977% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 5,184 |
| Loan loss allowance to noncurrent loans | 139.1045% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 4,021 |
| Noncurrent loans to loans | 0.6194% | 3,316 |
| Net loans and leases to total assets | 50.4322% | 4,765 |
| Net loans and leases to deposits | 60.3355% | 4,693 |
| Net loans and leases to core deposits | 63.7939% | 4,701 |
| Total domestic deposits to total assets | 83.5862% | 3,681 |
| Equity capital to assets | 16.0019% | 537 |
| Core capital (leverage) ratio | 15.7564% | 505 |
| Tier 1 risk-based capital ratio | 24.4417% | 870 |
| Total risk-based capital ratio | 25.1237% | 917 |
| Memoranda: | ||
| Average total assets | $106,835,000 | 4,332 |
| Average earning assets | $99,541,500 | 4,309 |
| Average equity | $16,941,500 | 3,601 |
| Average total loans | $54,382,500 | 4,541 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6431% | 4,548 |
| Cost of funding earning assets | 0.6041% | 1,337 |
| Net interest margin | 3.0390% | 5,050 |
| Noninterest income to average assets | 0.3463% | 4,432 |
| Noninterest expense to average assets | 2.1355% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7719% | 3,454 |
| Return on assets (ROA) | 0.7747% | 3,520 |
| Pretax return on assets | 1.0437% | 3,288 |
| Return on Equity (ROE) | 4.9699% | 4,522 |
| Retained earnings to average equity (ytd only) | 3.7592% | 3,371 |
| Net charge-offs to loans | 0.0545% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 36.7333% | 1,259 |
| Efficiency ratio | 66.5379% | 3,823 |
| Assets per employee ($millions) | 4.2938% | 3,395 |
| Cash dividends to net income (ytd only)* | 24.3605% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 5,286 |
| Loan loss allowance to noncurrent loans | 230.5000% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 4,496 |
| Noncurrent loans to loans | 0.3658% | 4,138 |
| Net loans and leases to total assets | 50.5063% | 4,825 |
| Net loans and leases to deposits | 60.1131% | 4,768 |
| Net loans and leases to core deposits | 63.8918% | 4,742 |
| Total domestic deposits to total assets | 84.0188% | 3,470 |
| Equity capital to assets | 15.7148% | 563 |
| Core capital (leverage) ratio | 15.5346% | 529 |
| Tier 1 risk-based capital ratio | 24.5728% | 854 |
| Total risk-based capital ratio | 25.2519% | 915 |
| Memoranda: | ||
| Average total assets | $105,972,000 | 4,334 |
| Average earning assets | $98,652,000 | 4,320 |
| Average equity | $16,519,400 | 3,599 |
| Average total loans | $55,026,400 | 4,528 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6607% | 4,549 |
| Cost of funding earning assets | 0.6101% | 1,342 |
| Net interest margin | 3.0506% | 5,074 |
| Noninterest income to average assets | 0.3534% | 4,414 |
| Noninterest expense to average assets | 2.1155% | 5,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7852% | 3,496 |
| Return on assets (ROA) | 0.7889% | 3,571 |
| Pretax return on assets | 1.0830% | 3,298 |
| Return on Equity (ROE) | 5.0713% | 4,592 |
| Retained earnings to average equity (ytd only) | 3.4485% | 4,015 |
| Net charge-offs to loans | 0.0242% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 85.4194% | 710 |
| Efficiency ratio | 65.2964% | 4,012 |
| Assets per employee ($millions) | 4.2515% | 3,421 |
| Cash dividends to net income (ytd only)* | 32.0001% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 5,338 |
| Loan loss allowance to noncurrent loans | 183.5878% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 4,422 |
| Noncurrent loans to loans | 0.4669% | 3,955 |
| Net loans and leases to total assets | 52.3451% | 4,721 |
| Net loans and leases to deposits | 62.4149% | 4,686 |
| Net loans and leases to core deposits | 66.0235% | 4,687 |
| Total domestic deposits to total assets | 83.8663% | 3,479 |
| Equity capital to assets | 15.7771% | 598 |
| Core capital (leverage) ratio | 15.5624% | 546 |
| Tier 1 risk-based capital ratio | 26.6194% | 724 |
| Total risk-based capital ratio | 27.3960% | 735 |
| Memoranda: | ||
| Average total assets | $105,628,750 | 4,389 |
| Average earning assets | $98,340,000 | 4,378 |
| Average equity | $16,432,000 | 3,637 |
| Average total loans | $55,113,750 | 4,571 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6405% | 4,605 |
| Cost of funding earning assets | 0.6149% | 1,313 |
| Net interest margin | 3.0256% | 5,164 |
| Noninterest income to average assets | 0.3434% | 4,498 |
| Noninterest expense to average assets | 2.0662% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7857% | 3,459 |
| Return on assets (ROA) | 0.7912% | 3,527 |
| Pretax return on assets | 1.1043% | 3,155 |
| Return on Equity (ROE) | 5.1104% | 4,567 |
| Retained earnings to average equity (ytd only) | 2.6594% | 4,365 |
| Net charge-offs to loans | -0.0183% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8872% | 4,379 |
| Assets per employee ($millions) | 4.1774% | 3,514 |
| Cash dividends to net income (ytd only)* | 47.9616% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 5,315 |
| Loan loss allowance to noncurrent loans | 151.2195% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 4,330 |
| Noncurrent loans to loans | 0.5924% | 3,685 |
| Net loans and leases to total assets | 52.5418% | 4,703 |
| Net loans and leases to deposits | 62.6121% | 4,652 |
| Net loans and leases to core deposits | 65.5815% | 4,688 |
| Total domestic deposits to total assets | 83.9163% | 3,604 |
| Equity capital to assets | 15.7304% | 563 |
| Core capital (leverage) ratio | 15.5744% | 530 |
| Tier 1 risk-based capital ratio | 27.5390% | 675 |
| Total risk-based capital ratio | 28.3781% | 684 |
| Memoranda: | ||
| Average total assets | $105,409,330 | 4,438 |
| Average earning assets | $98,228,000 | 4,416 |
| Average equity | $16,319,670 | 3,668 |
| Average total loans | $54,779,330 | 4,621 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 4,679 |
| Cost of funding earning assets | 0.6278% | 1,245 |
| Net interest margin | 2.9768% | 5,277 |
| Noninterest income to average assets | 0.3286% | 4,560 |
| Noninterest expense to average assets | 2.1719% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6761% | 3,918 |
| Return on assets (ROA) | 0.6761% | 4,037 |
| Pretax return on assets | 0.9330% | 3,770 |
| Return on Equity (ROE) | 4.4020% | 4,804 |
| Retained earnings to average equity (ytd only) | -0.5164% | 5,471 |
| Net charge-offs to loans | -0.0514% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7616% | 3,867 |
| Assets per employee ($millions) | 4.1918% | 3,576 |
| Cash dividends to net income (ytd only)* | 111.7318% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 5,390 |
| Loan loss allowance to noncurrent loans | 157.7778% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 4,352 |
| Noncurrent loans to loans | 0.5804% | 3,840 |
| Net loans and leases to total assets | 51.3178% | 4,718 |
| Net loans and leases to deposits | 61.1023% | 4,651 |
| Net loans and leases to core deposits | 64.2824% | 4,669 |
| Total domestic deposits to total assets | 83.9867% | 3,822 |
| Equity capital to assets | 15.6078% | 605 |
| Core capital (leverage) ratio | 15.2350% | 575 |
| Tier 1 risk-based capital ratio | 27.4593% | 680 |
| Total risk-based capital ratio | 28.3102% | 691 |
| Memoranda: | ||
| Average total assets | $105,896,500 | 4,455 |
| Average earning assets | $98,764,500 | 4,438 |
| Average equity | $16,265,500 | 3,706 |
| Average total loans | $54,485,000 | 4,652 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7481% | 4,652 |
| Cost of funding earning assets | 0.6772% | 1,222 |
| Net interest margin | 3.0709% | 5,275 |
| Noninterest income to average assets | 0.3229% | 4,807 |
| Noninterest expense to average assets | 2.1214% | 5,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7877% | 3,437 |
| Return on assets (ROA) | 0.7877% | 3,528 |
| Pretax return on assets | 1.0667% | 3,221 |
| Return on Equity (ROE) | 5.3876% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.1109% | 3,277 |
| Net charge-offs to loans | -0.0838% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4028% | 4,533 |
| Assets per employee ($millions) | 4.2800% | 3,400 |
| Cash dividends to net income (ytd only)* | 23.6967% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 5,482 |
| Loan loss allowance to noncurrent loans | 162.0462% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 4,625 |
| Noncurrent loans to loans | 0.5540% | 4,002 |
| Net loans and leases to total assets | 50.6584% | 4,902 |
| Net loans and leases to deposits | 59.8860% | 4,912 |
| Net loans and leases to core deposits | 62.8817% | 4,930 |
| Total domestic deposits to total assets | 84.5914% | 3,458 |
| Equity capital to assets | 15.1170% | 686 |
| Core capital (leverage) ratio | 14.6649% | 671 |
| Tier 1 risk-based capital ratio | 27.2395% | 664 |
| Total risk-based capital ratio | 28.0735% | 678 |
| Memoranda: | ||
| Average total assets | $107,148,600 | 4,433 |
| Average earning assets | $99,970,800 | 4,393 |
| Average equity | $15,665,600 | 3,729 |
| Average total loans | $54,886,800 | 4,655 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,712 |
| Cost of funding earning assets | 0.6811% | 1,249 |
| Net interest margin | 3.0683% | 5,337 |
| Noninterest income to average assets | 0.3234% | 4,845 |
| Noninterest expense to average assets | 2.1246% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7824% | 3,501 |
| Return on assets (ROA) | 0.7824% | 3,611 |
| Pretax return on assets | 1.0623% | 3,330 |
| Return on Equity (ROE) | 5.3973% | 4,537 |
| Retained earnings to average equity (ytd only) | 3.6812% | 4,021 |
| Net charge-offs to loans | -0.0777% | 6,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5199% | 4,464 |
| Assets per employee ($millions) | 4.2568% | 3,370 |
| Cash dividends to net income (ytd only)* | 31.7963% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 5,722 |
| Loan loss allowance to noncurrent loans | 252.3810% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 5,219 |
| Noncurrent loans to loans | 0.3396% | 4,884 |
| Net loans and leases to total assets | 51.8450% | 4,827 |
| Net loans and leases to deposits | 61.2228% | 4,822 |
| Net loans and leases to core deposits | 64.3369% | 4,851 |
| Total domestic deposits to total assets | 84.6825% | 3,464 |
| Equity capital to assets | 15.0140% | 728 |
| Core capital (leverage) ratio | 14.6341% | 690 |
| Tier 1 risk-based capital ratio | 26.1751% | 768 |
| Total risk-based capital ratio | 26.9651% | 795 |
| Memoranda: | ||
| Average total assets | $107,186,000 | 4,476 |
| Average earning assets | $100,030,500 | 4,436 |
| Average equity | $15,538,250 | 3,764 |
| Average total loans | $54,934,750 | 4,692 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 4,862 |
| Cost of funding earning assets | 0.6856% | 1,269 |
| Net interest margin | 3.0154% | 5,477 |
| Noninterest income to average assets | 0.3146% | 4,899 |
| Noninterest expense to average assets | 2.0979% | 5,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7632% | 3,498 |
| Return on assets (ROA) | 0.7632% | 3,605 |
| Pretax return on assets | 1.0331% | 3,350 |
| Return on Equity (ROE) | 5.3276% | 4,518 |
| Retained earnings to average equity (ytd only) | 2.7287% | 4,461 |
| Net charge-offs to loans | -0.0731% | 6,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8633% | 4,558 |
| Assets per employee ($millions) | 4.5494% | 2,847 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 5,877 |
| Loan loss allowance to noncurrent loans | 254.0984% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 5,368 |
| Noncurrent loans to loans | 0.3337% | 5,012 |
| Net loans and leases to total assets | 49.7967% | 4,982 |
| Net loans and leases to deposits | 58.4170% | 5,001 |
| Net loans and leases to core deposits | 61.1776% | 5,040 |
| Total domestic deposits to total assets | 85.2435% | 3,391 |
| Equity capital to assets | 14.4387% | 838 |
| Core capital (leverage) ratio | 14.3469% | 744 |
| Tier 1 risk-based capital ratio | 26.0419% | 772 |
| Total risk-based capital ratio | 26.8198% | 796 |
| Memoranda: | ||
| Average total assets | $107,441,000 | 4,503 |
| Average earning assets | $100,352,670 | 4,461 |
| Average equity | $15,391,670 | 3,789 |
| Average total loans | $54,696,000 | 4,729 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,799 |
| Cost of funding earning assets | 0.7008% | 1,243 |
| Net interest margin | 3.0125% | 5,491 |
| Noninterest income to average assets | 0.3528% | 4,552 |
| Noninterest expense to average assets | 2.2446% | 5,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6794% | 3,785 |
| Return on assets (ROA) | 0.6794% | 3,866 |
| Pretax return on assets | 0.9158% | 3,644 |
| Return on Equity (ROE) | 4.7616% | 4,658 |
| Retained earnings to average equity (ytd only) | -0.4998% | 5,644 |
| Net charge-offs to loans | -0.0805% | 6,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8836% | 4,022 |
| Assets per employee ($millions) | 4.3259% | 3,292 |
| Cash dividends to net income (ytd only)* | 110.4972% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 6,017 |
| Loan loss allowance to noncurrent loans | 157.7855% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 4,918 |
| Noncurrent loans to loans | 0.5345% | 4,572 |
| Net loans and leases to total assets | 49.5700% | 4,950 |
| Net loans and leases to deposits | 57.9300% | 4,957 |
| Net loans and leases to core deposits | 60.9283% | 4,962 |
| Total domestic deposits to total assets | 85.5689% | 3,576 |
| Equity capital to assets | 14.1519% | 872 |
| Core capital (leverage) ratio | 14.3596% | 724 |
| Tier 1 risk-based capital ratio | 25.7718% | 806 |
| Total risk-based capital ratio | 26.5389% | 839 |
| Memoranda: | ||
| Average total assets | $106,568,500 | 4,569 |
| Average earning assets | $99,321,000 | 4,530 |
| Average equity | $15,205,000 | 3,829 |
| Average total loans | $54,626,000 | 4,769 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 4,569 |
| Cost of funding earning assets | 0.8028% | 1,199 |
| Net interest margin | 3.0691% | 5,405 |
| Noninterest income to average assets | 0.3843% | 4,560 |
| Noninterest expense to average assets | 2.1211% | 5,786 |
| Loan and lease loss provision to assets | 0.0187% | 4,759 |
| Net operating income to assets | 0.8022% | 3,283 |
| Return on assets (ROA) | 0.8022% | 3,382 |
| Pretax return on assets | 1.1081% | 2,921 |
| Return on Equity (ROE) | 5.6959% | 4,273 |
| Retained earnings to average equity (ytd only) | 4.3713% | 3,067 |
| Net charge-offs to loans | 0.1102% | 3,726 |
| Credit loss provision to net charge-offs | 32.2581% | 4,203 |
| Earnings coverage of net charge-offs (x) | 19.4839% | 1,602 |
| Efficiency ratio | 63.2108% | 5,024 |
| Assets per employee ($millions) | 4.0380% | 3,789 |
| Cash dividends to net income (ytd only)* | 23.2558% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 6,158 |
| Loan loss allowance to noncurrent loans | 257.2254% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 5,328 |
| Noncurrent loans to loans | 0.3135% | 5,247 |
| Net loans and leases to total assets | 52.1407% | 4,829 |
| Net loans and leases to deposits | 60.9939% | 4,829 |
| Net loans and leases to core deposits | 64.4198% | 4,829 |
| Total domestic deposits to total assets | 85.4851% | 3,515 |
| Equity capital to assets | 14.3872% | 804 |
| Core capital (leverage) ratio | 14.3103% | 741 |
| Tier 1 risk-based capital ratio | 25.6402% | 800 |
| Total risk-based capital ratio | 26.3849% | 825 |
| Memoranda: | ||
| Average total assets | $107,206,200 | 4,564 |
| Average earning assets | $100,029,400 | 4,520 |
| Average equity | $15,098,600 | 3,847 |
| Average total loans | $56,259,600 | 4,742 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 4,621 |
| Cost of funding earning assets | 0.8160% | 1,232 |
| Net interest margin | 3.0495% | 5,467 |
| Noninterest income to average assets | 0.4009% | 4,532 |
| Noninterest expense to average assets | 2.1021% | 5,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8203% | 3,249 |
| Return on assets (ROA) | 0.8203% | 3,372 |
| Pretax return on assets | 1.1470% | 2,906 |
| Return on Equity (ROE) | 5.8553% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.0890% | 3,780 |
| Net charge-offs to loans | 0.1462% | 3,083 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 14.9525% | 1,901 |
| Efficiency ratio | 62.6047% | 5,051 |
| Assets per employee ($millions) | 4.0804% | 3,675 |
| Cash dividends to net income (ytd only)* | 30.1658% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 6,356 |
| Loan loss allowance to noncurrent loans | 279.6053% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 5,576 |
| Noncurrent loans to loans | 0.2708% | 5,559 |
| Net loans and leases to total assets | 52.5030% | 4,818 |
| Net loans and leases to deposits | 61.3805% | 4,822 |
| Net loans and leases to core deposits | 64.8093% | 4,815 |
| Total domestic deposits to total assets | 85.5369% | 3,475 |
| Equity capital to assets | 14.2218% | 902 |
| Core capital (leverage) ratio | 14.1517% | 832 |
| Tier 1 risk-based capital ratio | 24.8871% | 886 |
| Total risk-based capital ratio | 25.5874% | 930 |
| Memoranda: | ||
| Average total assets | $107,760,500 | 4,598 |
| Average earning assets | $100,649,250 | 4,539 |
| Average equity | $15,097,000 | 3,897 |
| Average total loans | $56,527,750 | 4,778 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8349% | 4,712 |
| Cost of funding earning assets | 0.8263% | 1,277 |
| Net interest margin | 3.0086% | 5,554 |
| Noninterest income to average assets | 0.4062% | 4,483 |
| Noninterest expense to average assets | 2.0403% | 5,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8327% | 3,133 |
| Return on assets (ROA) | 0.8327% | 3,288 |
| Pretax return on assets | 1.1762% | 2,781 |
| Return on Equity (ROE) | 5.9735% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.3245% | 4,195 |
| Net charge-offs to loans | 0.1871% | 2,626 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.0189% | 2,010 |
| Efficiency ratio | 61.3662% | 5,271 |
| Assets per employee ($millions) | 4.1413% | 3,491 |
| Cash dividends to net income (ytd only)* | 44.3459% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 6,407 |
| Loan loss allowance to noncurrent loans | 197.2727% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 5,645 |
| Noncurrent loans to loans | 0.3911% | 5,296 |
| Net loans and leases to total assets | 51.8403% | 4,881 |
| Net loans and leases to deposits | 60.3260% | 4,940 |
| Net loans and leases to core deposits | 63.7902% | 4,916 |
| Total domestic deposits to total assets | 85.9336% | 3,411 |
| Equity capital to assets | 13.8249% | 1,018 |
| Core capital (leverage) ratio | 13.7703% | 892 |
| Tier 1 risk-based capital ratio | 24.4807% | 939 |
| Total risk-based capital ratio | 25.1950% | 987 |
| Memoranda: | ||
| Average total assets | $108,317,000 | 4,598 |
| Average earning assets | $101,176,670 | 4,542 |
| Average equity | $15,100,000 | 3,923 |
| Average total loans | $56,661,670 | 4,800 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 4,703 |
| Cost of funding earning assets | 0.8394% | 1,313 |
| Net interest margin | 2.9950% | 5,584 |
| Noninterest income to average assets | 0.4050% | 4,419 |
| Noninterest expense to average assets | 2.1134% | 5,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7658% | 3,354 |
| Return on assets (ROA) | 0.7658% | 3,497 |
| Pretax return on assets | 1.0899% | 2,997 |
| Return on Equity (ROE) | 5.4712% | 4,320 |
| Retained earnings to average equity (ytd only) | 0.2104% | 5,713 |
| Net charge-offs to loans | 0.1196% | 2,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.4118% | 1,319 |
| Efficiency ratio | 63.9080% | 5,021 |
| Assets per employee ($millions) | 4.2152% | 3,511 |
| Cash dividends to net income (ytd only)* | 96.1538% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 6,409 |
| Loan loss allowance to noncurrent loans | 208.8889% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 5,731 |
| Noncurrent loans to loans | 0.3971% | 5,421 |
| Net loans and leases to total assets | 51.2692% | 4,796 |
| Net loans and leases to deposits | 59.8694% | 4,805 |
| Net loans and leases to core deposits | 63.6706% | 4,777 |
| Total domestic deposits to total assets | 85.6352% | 3,716 |
| Equity capital to assets | 13.8675% | 1,069 |
| Core capital (leverage) ratio | 13.6174% | 904 |
| Tier 1 risk-based capital ratio | 24.1732% | 994 |
| Total risk-based capital ratio | 24.9508% | 1,044 |
| Memoranda: | ||
| Average total assets | $108,638,000 | 4,644 |
| Average earning assets | $101,502,500 | 4,574 |
| Average equity | $15,207,000 | 3,954 |
| Average total loans | $56,866,000 | 4,822 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2701% | 4,318 |
| Cost of funding earning assets | 0.9981% | 1,372 |
| Net interest margin | 3.2720% | 5,351 |
| Noninterest income to average assets | 0.3867% | 4,711 |
| Noninterest expense to average assets | 2.0712% | 6,189 |
| Loan and lease loss provision to assets | 0.0566% | 5,074 |
| Net operating income to assets | 0.9234% | 2,689 |
| Return on assets (ROA) | 0.9234% | 2,932 |
| Pretax return on assets | 1.3384% | 2,263 |
| Return on Equity (ROE) | 6.6312% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.2765% | 2,521 |
| Net charge-offs to loans | 0.1037% | 4,631 |
| Credit loss provision to net charge-offs | 98.3607% | 3,157 |
| Earnings coverage of net charge-offs (x) | 24.2459% | 1,182 |
| Efficiency ratio | 57.7687% | 5,866 |
| Assets per employee ($millions) | 4.3073% | 3,340 |
| Cash dividends to net income (ytd only)* | 20.4290% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 6,386 |
| Loan loss allowance to noncurrent loans | 254.9738% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 5,910 |
| Noncurrent loans to loans | 0.3347% | 5,649 |
| Net loans and leases to total assets | 52.5501% | 4,834 |
| Net loans and leases to deposits | 61.5605% | 4,835 |
| Net loans and leases to core deposits | 65.5785% | 4,782 |
| Total domestic deposits to total assets | 85.3634% | 3,683 |
| Equity capital to assets | 14.1305% | 994 |
| Core capital (leverage) ratio | 13.6290% | 906 |
| Tier 1 risk-based capital ratio | 24.6427% | 892 |
| Total risk-based capital ratio | 25.4655% | 929 |
| Memoranda: | ||
| Average total assets | $106,025,400 | 4,682 |
| Average earning assets | $99,786,200 | 4,597 |
| Average equity | $14,763,600 | 4,016 |
| Average total loans | $58,818,200 | 4,758 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 4,340 |
| Cost of funding earning assets | 1.0246% | 1,424 |
| Net interest margin | 3.3029% | 5,384 |
| Noninterest income to average assets | 0.3977% | 4,656 |
| Noninterest expense to average assets | 2.0629% | 6,238 |
| Loan and lease loss provision to assets | 0.0757% | 4,701 |
| Net operating income to assets | 0.9431% | 2,776 |
| Return on assets (ROA) | 0.9431% | 3,003 |
| Pretax return on assets | 1.3723% | 2,333 |
| Return on Equity (ROE) | 6.7983% | 3,912 |
| Retained earnings to average equity (ytd only) | 4.9781% | 3,376 |
| Net charge-offs to loans | 0.1418% | 3,979 |
| Credit loss provision to net charge-offs | 95.2381% | 3,138 |
| Earnings coverage of net charge-offs (x) | 18.2060% | 1,576 |
| Efficiency ratio | 56.7781% | 5,947 |
| Assets per employee ($millions) | 3.9870% | 3,896 |
| Cash dividends to net income (ytd only)* | 26.7736% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 6,566 |
| Loan loss allowance to noncurrent loans | 129.3333% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 5,621 |
| Noncurrent loans to loans | 0.6304% | 5,181 |
| Net loans and leases to total assets | 54.8054% | 4,622 |
| Net loans and leases to deposits | 64.1408% | 4,696 |
| Net loans and leases to core deposits | 68.2555% | 4,705 |
| Total domestic deposits to total assets | 85.4454% | 3,548 |
| Equity capital to assets | 13.9926% | 1,162 |
| Core capital (leverage) ratio | 13.6450% | 966 |
| Tier 1 risk-based capital ratio | 23.3466% | 1,122 |
| Total risk-based capital ratio | 24.1365% | 1,163 |
| Memoranda: | ||
| Average total assets | $105,611,250 | 4,735 |
| Average earning assets | $99,546,500 | 4,653 |
| Average equity | $14,650,500 | 4,068 |
| Average total loans | $59,254,250 | 4,791 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 4,316 |
| Cost of funding earning assets | 1.0464% | 1,493 |
| Net interest margin | 3.3209% | 5,387 |
| Noninterest income to average assets | 0.4289% | 4,439 |
| Noninterest expense to average assets | 2.0127% | 6,404 |
| Loan and lease loss provision to assets | 0.0381% | 5,201 |
| Net operating income to assets | 1.0235% | 2,366 |
| Return on assets (ROA) | 1.0235% | 2,593 |
| Pretax return on assets | 1.5115% | 1,818 |
| Return on Equity (ROE) | 7.4003% | 3,566 |
| Retained earnings to average equity (ytd only) | 4.6441% | 3,521 |
| Net charge-offs to loans | 0.1014% | 4,149 |
| Credit loss provision to net charge-offs | 66.6667% | 3,644 |
| Earnings coverage of net charge-offs (x) | 27.1000% | 1,141 |
| Efficiency ratio | 54.5746% | 6,266 |
| Assets per employee ($millions) | 3.9293% | 4,022 |
| Cash dividends to net income (ytd only)* | 37.2439% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 6,690 |
| Loan loss allowance to noncurrent loans | 236.6337% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 6,105 |
| Noncurrent loans to loans | 0.3340% | 5,878 |
| Net loans and leases to total assets | 56.5520% | 4,389 |
| Net loans and leases to deposits | 66.1456% | 4,495 |
| Net loans and leases to core deposits | 70.1650% | 4,520 |
| Total domestic deposits to total assets | 85.4963% | 3,610 |
| Equity capital to assets | 13.9514% | 1,114 |
| Core capital (leverage) ratio | 13.3930% | 1,017 |
| Tier 1 risk-based capital ratio | 22.5967% | 1,186 |
| Total risk-based capital ratio | 23.3623% | 1,252 |
| Memoranda: | ||
| Average total assets | $104,931,670 | 4,779 |
| Average earning assets | $99,010,330 | 4,693 |
| Average equity | $14,513,000 | 4,083 |
| Average total loans | $59,178,000 | 4,820 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 4,309 |
| Cost of funding earning assets | 1.0771% | 1,511 |
| Net interest margin | 3.3287% | 5,369 |
| Noninterest income to average assets | 0.4025% | 4,651 |
| Noninterest expense to average assets | 2.0584% | 6,364 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9966% | 2,492 |
| Return on assets (ROA) | 0.9966% | 2,683 |
| Pretax return on assets | 1.4834% | 1,914 |
| Return on Equity (ROE) | 7.2378% | 3,638 |
| Retained earnings to average equity (ytd only) | 1.6703% | 5,397 |
| Net charge-offs to loans | -0.0137% | 6,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1688% | 6,103 |
| Assets per employee ($millions) | 3.9644% | 4,088 |
| Cash dividends to net income (ytd only)* | 76.9231% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 6,660 |
| Loan loss allowance to noncurrent loans | 198.3806% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 6,305 |
| Noncurrent loans to loans | 0.4243% | 5,820 |
| Net loans and leases to total assets | 53.9261% | 4,736 |
| Net loans and leases to deposits | 62.7222% | 4,807 |
| Net loans and leases to core deposits | 66.6728% | 4,834 |
| Total domestic deposits to total assets | 85.9761% | 3,539 |
| Equity capital to assets | 13.4661% | 1,251 |
| Core capital (leverage) ratio | 13.2620% | 1,037 |
| Tier 1 risk-based capital ratio | 22.8282% | 1,156 |
| Total risk-based capital ratio | 23.6381% | 1,203 |
| Memoranda: | ||
| Average total assets | $104,352,500 | 4,826 |
| Average earning assets | $98,416,000 | 4,732 |
| Average equity | $14,369,000 | 4,120 |
| Average total loans | $58,530,000 | 4,882 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 4,130 |
| Cost of funding earning assets | 1.2064% | 1,987 |
| Net interest margin | 3.5218% | 5,061 |
| Noninterest income to average assets | 0.3318% | 5,160 |
| Noninterest expense to average assets | 2.1723% | 6,324 |
| Loan and lease loss provision to assets | 0.0199% | 6,324 |
| Net operating income to assets | 0.9923% | 2,227 |
| Return on assets (ROA) | 0.9923% | 2,371 |
| Pretax return on assets | 1.4482% | 1,629 |
| Return on Equity (ROE) | 7.2526% | 3,280 |
| Retained earnings to average equity (ytd only) | 6.0910% | 1,967 |
| Net charge-offs to loans | 0.1106% | 5,269 |
| Credit loss provision to net charge-offs | 30.7692% | 5,772 |
| Earnings coverage of net charge-offs (x) | 22.7385% | 1,051 |
| Efficiency ratio | 57.6808% | 6,091 |
| Assets per employee ($millions) | 4.8412% | 2,391 |
| Cash dividends to net income (ytd only)* | 16.0160% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 6,683 |
| Loan loss allowance to noncurrent loans | 198.3740% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 6,363 |
| Noncurrent loans to loans | 0.4180% | 5,878 |
| Net loans and leases to total assets | 57.4037% | 4,479 |
| Net loans and leases to deposits | 67.1855% | 4,555 |
| Net loans and leases to core deposits | 71.3046% | 4,617 |
| Total domestic deposits to total assets | 85.4406% | 3,625 |
| Equity capital to assets | 14.0893% | 1,032 |
| Core capital (leverage) ratio | 13.3828% | 1,014 |
| Tier 1 risk-based capital ratio | 20.1523% | 1,605 |
| Total risk-based capital ratio | 20.8684% | 1,690 |
| Memoranda: | ||
| Average total assets | $100,675,200 | 4,876 |
| Average earning assets | $94,581,400 | 4,796 |
| Average equity | $13,774,400 | 4,167 |
| Average total loans | $58,766,400 | 4,912 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 4,208 |
| Cost of funding earning assets | 1.2329% | 2,101 |
| Net interest margin | 3.5220% | 5,097 |
| Noninterest income to average assets | 0.3293% | 5,231 |
| Noninterest expense to average assets | 2.1428% | 6,422 |
| Loan and lease loss provision to assets | 0.0266% | 6,112 |
| Net operating income to assets | 1.0010% | 2,318 |
| Return on assets (ROA) | 1.0010% | 2,466 |
| Pretax return on assets | 1.4670% | 1,745 |
| Return on Equity (ROE) | 7.3719% | 3,349 |
| Retained earnings to average equity (ytd only) | 5.8076% | 2,668 |
| Net charge-offs to loans | 0.1521% | 4,553 |
| Credit loss provision to net charge-offs | 29.8507% | 5,416 |
| Earnings coverage of net charge-offs (x) | 16.7912% | 1,379 |
| Efficiency ratio | 56.9186% | 6,161 |
| Assets per employee ($millions) | 4.6166% | 2,736 |
| Cash dividends to net income (ytd only)* | 21.2203% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 6,763 |
| Loan loss allowance to noncurrent loans | 255.7895% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 6,584 |
| Noncurrent loans to loans | 0.3237% | 6,204 |
| Net loans and leases to total assets | 57.3105% | 4,621 |
| Net loans and leases to deposits | 66.9804% | 4,757 |
| Net loans and leases to core deposits | 70.8342% | 4,854 |
| Total domestic deposits to total assets | 85.5631% | 3,459 |
| Equity capital to assets | 13.9308% | 1,186 |
| Core capital (leverage) ratio | 13.2717% | 1,119 |
| Tier 1 risk-based capital ratio | 19.9393% | 1,703 |
| Total risk-based capital ratio | 20.6586% | 1,810 |
| Memoranda: | ||
| Average total assets | $100,427,500 | 4,917 |
| Average earning assets | $94,299,250 | 4,841 |
| Average equity | $13,637,000 | 4,205 |
| Average total loans | $58,746,000 | 4,957 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 4,251 |
| Cost of funding earning assets | 1.2493% | 2,254 |
| Net interest margin | 3.5099% | 5,113 |
| Noninterest income to average assets | 0.3338% | 5,221 |
| Noninterest expense to average assets | 2.1310% | 6,536 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0175% | 2,151 |
| Return on assets (ROA) | 1.0175% | 2,243 |
| Pretax return on assets | 1.5053% | 1,513 |
| Return on Equity (ROE) | 7.5596% | 3,167 |
| Retained earnings to average equity (ytd only) | 5.1833% | 2,888 |
| Net charge-offs to loans | 0.1429% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 17.9286% | 1,277 |
| Efficiency ratio | 56.6245% | 6,343 |
| Assets per employee ($millions) | 4.5802% | 2,724 |
| Cash dividends to net income (ytd only)* | 31.4342% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 6,800 |
| Loan loss allowance to noncurrent loans | 427.8261% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 6,709 |
| Noncurrent loans to loans | 0.1960% | 6,518 |
| Net loans and leases to total assets | 57.7452% | 4,677 |
| Net loans and leases to deposits | 67.3367% | 4,809 |
| Net loans and leases to core deposits | 69.8926% | 5,089 |
| Total domestic deposits to total assets | 85.7560% | 3,463 |
| Equity capital to assets | 13.7250% | 1,195 |
| Core capital (leverage) ratio | 13.1940% | 1,088 |
| Tier 1 risk-based capital ratio | 20.0879% | 1,594 |
| Total risk-based capital ratio | 20.8362% | 1,667 |
| Memoranda: | ||
| Average total assets | $100,048,000 | 4,961 |
| Average earning assets | $94,134,000 | 4,879 |
| Average equity | $13,466,330 | 4,235 |
| Average total loans | $58,763,330 | 5,020 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 4,252 |
| Cost of funding earning assets | 1.2783% | 2,313 |
| Net interest margin | 3.4823% | 5,090 |
| Noninterest income to average assets | 0.3330% | 5,237 |
| Noninterest expense to average assets | 2.1025% | 6,628 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0152% | 2,132 |
| Return on assets (ROA) | 1.0152% | 2,182 |
| Pretax return on assets | 1.5207% | 1,386 |
| Return on Equity (ROE) | 7.6179% | 3,089 |
| Retained earnings to average equity (ytd only) | 2.8003% | 4,491 |
| Net charge-offs to loans | 0.2245% | 3,190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.4848% | 1,551 |
| Efficiency ratio | 56.0354% | 6,503 |
| Assets per employee ($millions) | 4.6044% | 2,724 |
| Cash dividends to net income (ytd only)* | 63.2411% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 6,783 |
| Loan loss allowance to noncurrent loans | 878.9474% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 6,928 |
| Noncurrent loans to loans | 0.0987% | 6,795 |
| Net loans and leases to total assets | 56.4968% | 4,910 |
| Net loans and leases to deposits | 65.4390% | 5,055 |
| Net loans and leases to core deposits | 68.9049% | 5,178 |
| Total domestic deposits to total assets | 86.3351% | 3,320 |
| Equity capital to assets | 13.1407% | 1,318 |
| Core capital (leverage) ratio | 13.0129% | 1,114 |
| Tier 1 risk-based capital ratio | 19.9546% | 1,599 |
| Total risk-based capital ratio | 20.7275% | 1,666 |
| Memoranda: | ||
| Average total assets | $99,689,500 | 5,009 |
| Average earning assets | $94,189,500 | 4,909 |
| Average equity | $13,284,500 | 4,273 |
| Average total loans | $58,805,500 | 5,059 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 3,377 |
| Cost of funding earning assets | 1.5616% | 2,293 |
| Net interest margin | 3.6853% | 4,417 |
| Noninterest income to average assets | 0.3758% | 5,092 |
| Noninterest expense to average assets | 2.1912% | 6,639 |
| Loan and lease loss provision to assets | 0.1020% | 6,124 |
| Net operating income to assets | 1.0597% | 1,839 |
| Return on assets (ROA) | 1.0597% | 1,932 |
| Pretax return on assets | 1.5365% | 1,283 |
| Return on Equity (ROE) | 7.8292% | 2,763 |
| Retained earnings to average equity (ytd only) | 6.5218% | 1,541 |
| Net charge-offs to loans | 0.1526% | 5,435 |
| Credit loss provision to net charge-offs | 107.6923% | 4,117 |
| Earnings coverage of net charge-offs (x) | 17.2967% | 1,161 |
| Efficiency ratio | 55.2324% | 6,687 |
| Assets per employee ($millions) | 4.4583% | 2,943 |
| Cash dividends to net income (ytd only)* | 16.6994% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 6,750 |
| Loan loss allowance to noncurrent loans | 720.2703% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 6,791 |
| Noncurrent loans to loans | 0.1236% | 6,828 |
| Net loans and leases to total assets | 60.5079% | 4,581 |
| Net loans and leases to deposits | 70.3884% | 4,770 |
| Net loans and leases to core deposits | 74.3123% | 4,938 |
| Total domestic deposits to total assets | 85.9629% | 3,375 |
| Equity capital to assets | 13.5171% | 1,173 |
| Core capital (leverage) ratio | 12.8377% | 1,183 |
| Tier 1 risk-based capital ratio | 19.4928% | 1,596 |
| Total risk-based capital ratio | 20.3031% | 1,675 |
| Memoranda: | ||
| Average total assets | $96,064,600 | 5,101 |
| Average earning assets | $90,034,000 | 5,015 |
| Average equity | $13,002,600 | 4,360 |
| Average total loans | $59,642,600 | 5,086 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2867% | 3,417 |
| Cost of funding earning assets | 1.5982% | 2,397 |
| Net interest margin | 3.6884% | 4,467 |
| Noninterest income to average assets | 0.3586% | 5,298 |
| Noninterest expense to average assets | 2.0845% | 6,877 |
| Loan and lease loss provision to assets | 0.0977% | 6,045 |
| Net operating income to assets | 1.0771% | 1,979 |
| Return on assets (ROA) | 1.0771% | 2,085 |
| Pretax return on assets | 1.6283% | 1,273 |
| Return on Equity (ROE) | 7.9553% | 2,926 |
| Retained earnings to average equity (ytd only) | 6.2035% | 2,259 |
| Net charge-offs to loans | 0.2641% | 4,365 |
| Credit loss provision to net charge-offs | 59.3220% | 5,709 |
| Earnings coverage of net charge-offs (x) | 10.4830% | 1,877 |
| Efficiency ratio | 52.6913% | 6,914 |
| Assets per employee ($millions) | 4.4700% | 2,956 |
| Cash dividends to net income (ytd only)* | 22.0206% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 7,026 |
| Loan loss allowance to noncurrent loans | 346.3768% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 6,550 |
| Noncurrent loans to loans | 0.2281% | 6,724 |
| Net loans and leases to total assets | 61.0281% | 4,714 |
| Net loans and leases to deposits | 71.1787% | 4,971 |
| Net loans and leases to core deposits | 75.0704% | 5,170 |
| Total domestic deposits to total assets | 85.7393% | 3,223 |
| Equity capital to assets | 13.5459% | 1,332 |
| Core capital (leverage) ratio | 13.1923% | 1,157 |
| Tier 1 risk-based capital ratio | 18.9681% | 1,758 |
| Total risk-based capital ratio | 19.6901% | 1,850 |
| Memoranda: | ||
| Average total assets | $95,560,000 | 5,173 |
| Average earning assets | $89,430,000 | 5,094 |
| Average equity | $12,938,750 | 4,450 |
| Average total loans | $59,583,000 | 5,163 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 3,540 |
| Cost of funding earning assets | 1.6223% | 2,535 |
| Net interest margin | 3.6620% | 4,533 |
| Noninterest income to average assets | 0.3720% | 5,165 |
| Noninterest expense to average assets | 2.1050% | 6,892 |
| Loan and lease loss provision to assets | 0.1268% | 5,618 |
| Net operating income to assets | 1.0208% | 2,115 |
| Return on assets (ROA) | 1.0208% | 2,189 |
| Pretax return on assets | 1.5703% | 1,382 |
| Return on Equity (ROE) | 7.5402% | 3,097 |
| Retained earnings to average equity (ytd only) | 5.0424% | 2,882 |
| Net charge-offs to loans | 0.0877% | 5,262 |
| Credit loss provision to net charge-offs | 230.7692% | 1,677 |
| Earnings coverage of net charge-offs (x) | 30.8846% | 904 |
| Efficiency ratio | 53.3630% | 6,951 |
| Assets per employee ($millions) | 4.4015% | 3,051 |
| Cash dividends to net income (ytd only)* | 33.1263% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 6,664 |
| Loan loss allowance to noncurrent loans | 194.1176% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 6,289 |
| Noncurrent loans to loans | 0.4786% | 6,295 |
| Net loans and leases to total assets | 61.7789% | 4,727 |
| Net loans and leases to deposits | 71.9450% | 5,004 |
| Net loans and leases to core deposits | 75.6124% | 5,237 |
| Total domestic deposits to total assets | 85.8696% | 3,166 |
| Equity capital to assets | 13.4106% | 1,384 |
| Core capital (leverage) ratio | 13.0502% | 1,190 |
| Tier 1 risk-based capital ratio | 18.2971% | 1,872 |
| Total risk-based capital ratio | 19.1342% | 1,954 |
| Memoranda: | ||
| Average total assets | $94,633,330 | 5,232 |
| Average earning assets | $88,640,330 | 5,149 |
| Average equity | $12,811,330 | 4,479 |
| Average total loans | $59,279,670 | 5,213 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3416% | 3,337 |
| Cost of funding earning assets | 1.6506% | 2,646 |
| Net interest margin | 3.6909% | 4,291 |
| Noninterest income to average assets | 0.3806% | 5,089 |
| Noninterest expense to average assets | 2.1041% | 6,930 |
| Loan and lease loss provision to assets | 0.2138% | 4,375 |
| Net operating income to assets | 0.9366% | 2,405 |
| Return on assets (ROA) | 0.9366% | 2,466 |
| Pretax return on assets | 1.5054% | 1,499 |
| Return on Equity (ROE) | 6.8846% | 3,404 |
| Retained earnings to average equity (ytd only) | 1.8548% | 5,005 |
| Net charge-offs to loans | 0.1635% | 3,940 |
| Credit loss provision to net charge-offs | 208.3333% | 1,786 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,322 |
| Efficiency ratio | 53.0201% | 7,055 |
| Assets per employee ($millions) | 4.2572% | 3,366 |
| Cash dividends to net income (ytd only)* | 73.0594% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 6,716 |
| Loan loss allowance to noncurrent loans | 253.2110% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 6,416 |
| Noncurrent loans to loans | 0.3704% | 6,555 |
| Net loans and leases to total assets | 62.2499% | 4,711 |
| Net loans and leases to deposits | 72.6767% | 4,962 |
| Net loans and leases to core deposits | 75.4347% | 5,334 |
| Total domestic deposits to total assets | 85.6531% | 3,346 |
| Equity capital to assets | 13.5995% | 1,284 |
| Core capital (leverage) ratio | 12.9413% | 1,229 |
| Tier 1 risk-based capital ratio | 18.9350% | 1,735 |
| Total risk-based capital ratio | 19.8075% | 1,785 |
| Memoranda: | ||
| Average total assets | $93,533,000 | 5,333 |
| Average earning assets | $87,240,500 | 5,266 |
| Average equity | $12,724,000 | 4,537 |
| Average total loans | $58,727,500 | 5,306 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6024% | 3,595 |
| Cost of funding earning assets | 2.0082% | 2,923 |
| Net interest margin | 3.5942% | 4,570 |
| Noninterest income to average assets | 0.4347% | 4,915 |
| Noninterest expense to average assets | 2.2541% | 6,860 |
| Loan and lease loss provision to assets | 0.0109% | 7,372 |
| Net operating income to assets | 1.0219% | 1,771 |
| Return on assets (ROA) | 1.0219% | 1,813 |
| Pretax return on assets | 1.5078% | 1,170 |
| Return on Equity (ROE) | 7.6278% | 2,526 |
| Retained earnings to average equity (ytd only) | 5.1963% | 1,716 |
| Net charge-offs to loans | 0.0414% | 6,699 |
| Credit loss provision to net charge-offs | 41.6667% | 6,816 |
| Earnings coverage of net charge-offs (x) | 58.0833% | 456 |
| Efficiency ratio | 57.6379% | 6,816 |
| Assets per employee ($millions) | 4.2458% | 3,350 |
| Cash dividends to net income (ytd only)* | 31.8763% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 6,823 |
| Loan loss allowance to noncurrent loans | 414.1732% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 6,801 |
| Noncurrent loans to loans | 0.2167% | 6,884 |
| Net loans and leases to total assets | 62.1735% | 4,954 |
| Net loans and leases to deposits | 72.4905% | 5,261 |
| Net loans and leases to core deposits | 84.9696% | 5,621 |
| Total domestic deposits to total assets | 85.7678% | 3,129 |
| Equity capital to assets | 13.6080% | 1,274 |
| Core capital (leverage) ratio | 12.8633% | 1,293 |
| Tier 1 risk-based capital ratio | 18.6242% | 1,730 |
| Total risk-based capital ratio | 19.4473% | 1,794 |
| Memoranda: | ||
| Average total assets | $91,789,400 | 5,345 |
| Average earning assets | $85,248,800 | 5,290 |
| Average equity | $12,297,200 | 4,685 |
| Average total loans | $58,027,800 | 5,337 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6051% | 3,835 |
| Cost of funding earning assets | 2.0666% | 3,044 |
| Net interest margin | 3.5385% | 4,707 |
| Noninterest income to average assets | 0.4640% | 4,790 |
| Noninterest expense to average assets | 2.2235% | 6,915 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0534% | 1,885 |
| Return on assets (ROA) | 1.0534% | 1,950 |
| Pretax return on assets | 1.5305% | 1,328 |
| Return on Equity (ROE) | 7.8945% | 2,687 |
| Retained earnings to average equity (ytd only) | 4.6252% | 2,693 |
| Net charge-offs to loans | -0.0230% | 7,775 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0929% | 6,859 |
| Assets per employee ($millions) | 4.1720% | 3,425 |
| Cash dividends to net income (ytd only)* | 41.4132% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 6,536 |
| Loan loss allowance to noncurrent loans | 264.9038% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 6,670 |
| Noncurrent loans to loans | 0.3591% | 6,632 |
| Net loans and leases to total assets | 62.5039% | 5,160 |
| Net loans and leases to deposits | 73.0226% | 5,505 |
| Net loans and leases to core deposits | 87.4206% | 5,699 |
| Total domestic deposits to total assets | 85.5954% | 2,922 |
| Equity capital to assets | 13.6529% | 1,432 |
| Core capital (leverage) ratio | 12.7597% | 1,465 |
| Tier 1 risk-based capital ratio | 18.7031% | 1,817 |
| Total risk-based capital ratio | 19.5864% | 1,851 |
| Memoranda: | ||
| Average total assets | $91,384,750 | 5,384 |
| Average earning assets | $84,967,500 | 5,339 |
| Average equity | $12,193,750 | 4,745 |
| Average total loans | $57,884,500 | 5,386 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6331% | 3,895 |
| Cost of funding earning assets | 2.1112% | 3,217 |
| Net interest margin | 3.5219% | 4,692 |
| Noninterest income to average assets | 0.4844% | 4,589 |
| Noninterest expense to average assets | 2.1545% | 7,161 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0871% | 1,815 |
| Return on assets (ROA) | 1.0871% | 1,893 |
| Pretax return on assets | 1.5912% | 1,225 |
| Return on Equity (ROE) | 8.2110% | 2,687 |
| Retained earnings to average equity (ytd only) | 5.5623% | 2,218 |
| Net charge-offs to loans | -0.0138% | 7,646 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4125% | 7,177 |
| Assets per employee ($millions) | 4.2300% | 3,235 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 6,576 |
| Loan loss allowance to noncurrent loans | 335.8025% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 6,798 |
| Noncurrent loans to loans | 0.2816% | 6,813 |
| Net loans and leases to total assets | 61.2390% | 5,479 |
| Net loans and leases to deposits | 71.2167% | 5,846 |
| Net loans and leases to core deposits | 84.4757% | 6,058 |
| Total domestic deposits to total assets | 85.9897% | 2,801 |
| Equity capital to assets | 13.2818% | 1,568 |
| Core capital (leverage) ratio | 12.4664% | 1,637 |
| Tier 1 risk-based capital ratio | 17.5336% | 2,140 |
| Total risk-based capital ratio | 18.3586% | 2,214 |
| Memoranda: | ||
| Average total assets | $91,252,000 | 5,426 |
| Average earning assets | $84,500,000 | 5,393 |
| Average equity | $12,081,330 | 4,791 |
| Average total loans | $57,873,000 | 5,428 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7718% | 3,428 |
| Cost of funding earning assets | 2.1626% | 3,360 |
| Net interest margin | 3.6092% | 4,283 |
| Noninterest income to average assets | 0.3896% | 5,302 |
| Noninterest expense to average assets | 2.1782% | 6,927 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0448% | 2,146 |
| Return on assets (ROA) | 1.0448% | 2,279 |
| Pretax return on assets | 1.5363% | 1,572 |
| Return on Equity (ROE) | 7.9049% | 3,188 |
| Retained earnings to average equity (ytd only) | 2.5456% | 4,461 |
| Net charge-offs to loans | -0.2136% | 8,019 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4958% | 6,900 |
| Assets per employee ($millions) | 4.1793% | 3,295 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 6,219 |
| Loan loss allowance to noncurrent loans | 500.0000% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 6,862 |
| Noncurrent loans to loans | 0.1990% | 6,961 |
| Net loans and leases to total assets | 61.6804% | 5,392 |
| Net loans and leases to deposits | 71.6857% | 5,784 |
| Net loans and leases to core deposits | 85.2248% | 5,966 |
| Total domestic deposits to total assets | 86.0427% | 2,694 |
| Equity capital to assets | 13.1078% | 1,698 |
| Core capital (leverage) ratio | 12.6288% | 1,632 |
| Tier 1 risk-based capital ratio | 18.4628% | 1,943 |
| Total risk-based capital ratio | 19.3953% | 1,967 |
| Memoranda: | ||
| Average total assets | $90,348,000 | 5,471 |
| Average earning assets | $83,232,500 | 5,453 |
| Average equity | $11,942,000 | 4,848 |
| Average total loans | $58,043,000 | 5,449 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1912% | 4,563 |
| Cost of funding earning assets | 2.4459% | 4,500 |
| Net interest margin | 3.7454% | 4,247 |
| Noninterest income to average assets | 0.3916% | 5,544 |
| Noninterest expense to average assets | 2.2809% | 6,753 |
| Loan and lease loss provision to assets | 0.1202% | 5,826 |
| Net operating income to assets | 1.0191% | 2,478 |
| Return on assets (ROA) | 1.0191% | 2,365 |
| Pretax return on assets | 1.4656% | 1,777 |
| Return on Equity (ROE) | 7.8571% | 3,131 |
| Retained earnings to average equity (ytd only) | 6.7977% | 1,223 |
| Net charge-offs to loans | 0.3423% | 3,120 |
| Credit loss provision to net charge-offs | 53.2995% | 6,316 |
| Earnings coverage of net charge-offs (x) | 7.0305% | 3,207 |
| Efficiency ratio | 56.8256% | 6,890 |
| Assets per employee ($millions) | 3.8587% | 3,834 |
| Cash dividends to net income (ytd only)* | 13.4831% | 4,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 6,579 |
| Loan loss allowance to noncurrent loans | 240.0000% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 6,175 |
| Noncurrent loans to loans | 0.3826% | 6,197 |
| Net loans and leases to total assets | 65.6488% | 4,925 |
| Net loans and leases to deposits | 76.3858% | 5,549 |
| Net loans and leases to core deposits | 91.8701% | 5,654 |
| Total domestic deposits to total assets | 85.9438% | 2,426 |
| Equity capital to assets | 13.3317% | 1,660 |
| Core capital (leverage) ratio | 12.7759% | 1,632 |
| Tier 1 risk-based capital ratio | 18.6758% | 1,874 |
| Total risk-based capital ratio | 19.5771% | 1,904 |
| Memoranda: | ||
| Average total assets | $87,333,400 | 5,439 |
| Average earning assets | $81,033,800 | 5,401 |
| Average equity | $11,327,400 | 5,032 |
| Average total loans | $57,558,600 | 5,380 |