Home > Central Bank and Trust > Performance and Condition Ratios
Central Bank and Trust, 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 | 3.6717% | 4,297 |
| Cost of funding earning assets | 0.4007% | 4,296 |
| Net interest margin | 3.2710% | 2,701 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.3155% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1153% | 1,878 |
| Return on assets (ROA) | 1.0931% | 1,910 |
| Pretax return on assets | 1.0931% | 2,427 |
| Return on Equity (ROE) | 15.8900% | 1,117 |
| Retained earnings to average equity (ytd only) | 3.3103% | 3,191 |
| Net charge-offs to loans | 0.0017% | 2,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,229.0000% | 128 |
| Efficiency ratio | 67.4911% | 2,171 |
| Assets per employee ($millions) | 5.8242% | 2,965 |
| Cash dividends to net income (ytd only)* | 79.1615% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 3,605 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.6000% | 3,072 |
| Net loans and leases to deposits | 63.3700% | 3,329 |
| Net loans and leases to core deposits | 64.4822% | 3,566 |
| Total domestic deposits to total assets | 90.8900% | 538 |
| Equity capital to assets | 7.4961% | 3,719 |
| Core capital (leverage) ratio | 7.9214% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0950% | 1,508 |
| Memoranda: | ||
| Average total assets | $220,380,800 | 2,844 |
| Average earning assets | $214,396,800 | 2,775 |
| Average equity | $15,164,600 | 3,252 |
| Average total loans | $118,057,200 | 2,974 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14,073.0000% | 29 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 7,669.0000% | 1 |
| Noninterest income to average assets | 0.0129% | 4,532 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.2188% | 1,733 |
| Pretax return on assets | 1.2188% | 2,252 |
| Return on Equity (ROE) | 18.0900% | 942 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0012% | 2,573 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 5.4421% | 4,588 |
| Assets per employee ($millions) | 0.6129% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0307% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0019% | 3,810 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 9,940,408.0000% | 1 |
| Equity capital to assets | 2,308,932.0000% | 1 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,827,893,000 | 417 |
| Average earning assets | $2,218 | 4,614 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 15,168.0000% | 25 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14,197.0000% | 31 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 3,491.0000% | 1 |
| Noninterest income to average assets | 0.0127% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.2961% | 1,569 |
| Pretax return on assets | 1.2961% | 2,093 |
| Return on Equity (ROE) | 19.5500% | 759 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0018% | 2,319 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,289 |
| Efficiency ratio | 6.7995% | 4,607 |
| Assets per employee ($millions) | 0.5702% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.2800% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0320% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0201% | 3,614 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0013% | 4,538 |
| Total domestic deposits to total assets | 9,564,268.0000% | 1 |
| Equity capital to assets | 1,946,489.0000% | 1 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,903,358,000 | 584 |
| Average earning assets | $1,819 | 4,643 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3746% | 4,391 |
| Cost of funding earning assets | 0.1561% | 4,448 |
| Net interest margin | 3.2185% | 3,069 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.1493% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2004% | 1,930 |
| Return on assets (ROA) | 1.2004% | 1,890 |
| Pretax return on assets | 1.2004% | 2,421 |
| Return on Equity (ROE) | 18.3500% | 979 |
| Retained earnings to average equity (ytd only) | 8.3880% | 2,119 |
| Net charge-offs to loans | 0.0070% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 332 |
| Efficiency ratio | 64.1649% | 2,434 |
| Assets per employee ($millions) | 5.8932% | 2,853 |
| Cash dividends to net income (ytd only)* | 54.2773% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 3,675 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 52.2800% | 3,331 |
| Net loans and leases to deposits | 56.0634% | 3,570 |
| Net loans and leases to core deposits | 56.5090% | 3,713 |
| Total domestic deposits to total assets | 93.2500% | 267 |
| Equity capital to assets | 6.7312% | 3,952 |
| Core capital (leverage) ratio | 7.2847% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9168% | 1,653 |
| Memoranda: | ||
| Average total assets | $225,929,000 | 2,864 |
| Average earning assets | $220,349,500 | 2,797 |
| Average equity | $14,783,000 | 3,322 |
| Average total loans | $114,969,000 | 3,034 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0135% | 4,116 |
| Cost of funding earning assets | 0.1161% | 4,307 |
| Net interest margin | 2.8974% | 3,687 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.2617% | 2,859 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8826% | 3,035 |
| Return on assets (ROA) | 0.8826% | 2,974 |
| Pretax return on assets | 0.8826% | 3,413 |
| Return on Equity (ROE) | 13.1300% | 1,763 |
| Retained earnings to average equity (ytd only) | 1.0307% | 4,190 |
| Net charge-offs to loans | 0.0029% | 2,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 645.3333% | 267 |
| Efficiency ratio | 71.9298% | 1,453 |
| Assets per employee ($millions) | 5.9978% | 2,766 |
| Cash dividends to net income (ytd only)* | 92.1488% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 3,268 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 48.5200% | 3,634 |
| Net loans and leases to deposits | 51.8404% | 3,813 |
| Net loans and leases to core deposits | 52.2420% | 3,904 |
| Total domestic deposits to total assets | 93.6000% | 289 |
| Equity capital to assets | 6.3585% | 3,957 |
| Core capital (leverage) ratio | 7.1901% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4072% | 1,509 |
| Memoranda: | ||
| Average total assets | $219,352,600 | 2,905 |
| Average earning assets | $213,605,600 | 2,841 |
| Average equity | $14,747,200 | 3,387 |
| Average total loans | $104,519,600 | 3,088 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9527% | 3,976 |
| Cost of funding earning assets | 0.1179% | 4,137 |
| Net interest margin | 2.8348% | 3,661 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.1091% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9962% | 2,487 |
| Return on assets (ROA) | 0.9962% | 2,458 |
| Pretax return on assets | 0.9962% | 3,024 |
| Return on Equity (ROE) | 14.6100% | 1,257 |
| Retained earnings to average equity (ytd only) | 0.3511% | 4,288 |
| Net charge-offs to loans | 0.0026% | 2,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 811.5000% | 201 |
| Efficiency ratio | 67.9186% | 2,042 |
| Assets per employee ($millions) | 5.5366% | 3,178 |
| Cash dividends to net income (ytd only)* | 97.5970% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 3,188 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 47.8400% | 3,644 |
| Net loans and leases to deposits | 51.1366% | 3,783 |
| Net loans and leases to core deposits | 51.7477% | 3,866 |
| Total domestic deposits to total assets | 93.5600% | 447 |
| Equity capital to assets | 6.3907% | 3,797 |
| Core capital (leverage) ratio | 7.2807% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7079% | 1,502 |
| Memoranda: | ||
| Average total assets | $217,211,750 | 2,948 |
| Average earning assets | $211,459,500 | 2,870 |
| Average equity | $14,811,000 | 3,422 |
| Average total loans | $102,717,750 | 3,115 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8621% | 3,871 |
| Cost of funding earning assets | 0.1181% | 3,982 |
| Net interest margin | 2.7440% | 3,592 |
| Noninterest income to average assets | 0.3707% | 2,922 |
| Noninterest expense to average assets | 2.1215% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9185% | 2,501 |
| Return on assets (ROA) | 0.9185% | 2,468 |
| Pretax return on assets | 0.9185% | 3,000 |
| Return on Equity (ROE) | 13.1867% | 1,330 |
| Retained earnings to average equity (ytd only) | -0.5456% | 4,245 |
| Net charge-offs to loans | 0.0059% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 330.3333% | 372 |
| Efficiency ratio | 69.7866% | 1,990 |
| Assets per employee ($millions) | 5.5594% | 3,164 |
| Cash dividends to net income (ytd only)* | 104.1372% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,150 |
| Loan loss allowance to noncurrent loans | 28,450.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,056 |
| Noncurrent loans to loans | 0.0039% | 3,971 |
| Net loans and leases to total assets | 47.0770% | 3,623 |
| Net loans and leases to deposits | 50.5350% | 3,784 |
| Net loans and leases to core deposits | 51.2168% | 3,865 |
| Total domestic deposits to total assets | 93.1574% | 475 |
| Equity capital to assets | 6.7578% | 3,905 |
| Core capital (leverage) ratio | 7.1419% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8710% | 1,467 |
| Memoranda: | ||
| Average total assets | $215,794,333 | 2,982 |
| Average earning assets | $209,913,000 | 2,920 |
| Average equity | $15,030,333 | 3,485 |
| Average total loans | $101,258,333 | 3,167 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7089% | 3,939 |
| Cost of funding earning assets | 0.1146% | 3,953 |
| Net interest margin | 2.5943% | 3,672 |
| Noninterest income to average assets | 0.3307% | 3,120 |
| Noninterest expense to average assets | 2.0884% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7655% | 2,796 |
| Return on assets (ROA) | 0.7655% | 2,784 |
| Pretax return on assets | 0.7655% | 3,212 |
| Return on Equity (ROE) | 10.8282% | 1,670 |
| Retained earnings to average equity (ytd only) | -3.3904% | 4,337 |
| Net charge-offs to loans | 0.0120% | 1,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 137.3333% | 566 |
| Efficiency ratio | 73.1771% | 1,833 |
| Assets per employee ($millions) | 5.4642% | 3,344 |
| Cash dividends to net income (ytd only)* | 131.3107% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,162 |
| Loan loss allowance to noncurrent loans | 37,933.3333% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,110 |
| Noncurrent loans to loans | 0.0030% | 4,029 |
| Net loans and leases to total assets | 45.2097% | 3,639 |
| Net loans and leases to deposits | 48.5305% | 3,839 |
| Net loans and leases to core deposits | 49.1783% | 3,914 |
| Total domestic deposits to total assets | 93.1573% | 238 |
| Equity capital to assets | 6.7713% | 4,310 |
| Core capital (leverage) ratio | 7.3614% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7829% | 1,313 |
| Memoranda: | ||
| Average total assets | $215,283,000 | 3,000 |
| Average earning assets | $209,383,500 | 2,934 |
| Average equity | $15,219,500 | 3,543 |
| Average total loans | $100,283,000 | 3,182 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 3,270 |
| Cost of funding earning assets | 0.1210% | 4,212 |
| Net interest margin | 3.1592% | 2,713 |
| Noninterest income to average assets | 0.5283% | 2,453 |
| Noninterest expense to average assets | 2.2827% | 2,847 |
| Loan and lease loss provision to assets | -0.1454% | 4,621 |
| Net operating income to assets | 1.4539% | 1,125 |
| Return on assets (ROA) | 1.4539% | 1,201 |
| Pretax return on assets | 1.4539% | 1,868 |
| Return on Equity (ROE) | 19.1195% | 370 |
| Retained earnings to average equity (ytd only) | 3.1738% | 3,557 |
| Net charge-offs to loans | -0.2644% | 4,738 |
| Credit loss provision to net charge-offs | 107.5269% | 1,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5628% | 2,632 |
| Assets per employee ($millions) | 5.3000% | 3,478 |
| Cash dividends to net income (ytd only)* | 83.4000% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,207 |
| Loan loss allowance to noncurrent loans | 22,820.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,176 |
| Noncurrent loans to loans | 0.0050% | 4,081 |
| Net loans and leases to total assets | 46.9217% | 3,609 |
| Net loans and leases to deposits | 50.6923% | 3,837 |
| Net loans and leases to core deposits | 51.4737% | 3,932 |
| Total domestic deposits to total assets | 92.5617% | 84 |
| Equity capital to assets | 7.3770% | 4,628 |
| Core capital (leverage) ratio | 7.4703% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3252% | 1,189 |
| Memoranda: | ||
| Average total assets | $206,337,600 | 3,015 |
| Average earning assets | $200,047,800 | 2,951 |
| Average equity | $15,690,800 | 3,571 |
| Average total loans | $105,507,600 | 3,132 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4284% | 3,018 |
| Cost of funding earning assets | 0.1209% | 4,346 |
| Net interest margin | 3.3075% | 2,399 |
| Noninterest income to average assets | 0.5407% | 2,454 |
| Noninterest expense to average assets | 2.1451% | 3,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6006% | 1,031 |
| Return on assets (ROA) | 1.6006% | 1,077 |
| Pretax return on assets | 1.6006% | 1,699 |
| Return on Equity (ROE) | 20.8862% | 367 |
| Retained earnings to average equity (ytd only) | 2.1905% | 4,142 |
| Net charge-offs to loans | -0.0012% | 3,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2694% | 3,387 |
| Assets per employee ($millions) | 5.0155% | 3,681 |
| Cash dividends to net income (ytd only)* | 89.5122% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 3,410 |
| Loan loss allowance to noncurrent loans | 1,638.0282% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 3,933 |
| Noncurrent loans to loans | 0.0676% | 3,757 |
| Net loans and leases to total assets | 49.3371% | 3,487 |
| Net loans and leases to deposits | 54.1040% | 3,729 |
| Net loans and leases to core deposits | 55.1318% | 3,848 |
| Total domestic deposits to total assets | 91.1892% | 311 |
| Equity capital to assets | 7.4275% | 4,722 |
| Core capital (leverage) ratio | 7.4369% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4043% | 1,266 |
| Memoranda: | ||
| Average total assets | $204,922,500 | 3,062 |
| Average earning assets | $198,573,750 | 2,998 |
| Average equity | $15,703,750 | 3,610 |
| Average total loans | $106,731,000 | 3,159 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7609% | 2,170 |
| Cost of funding earning assets | 0.1191% | 4,444 |
| Net interest margin | 3.6419% | 1,492 |
| Noninterest income to average assets | 0.6029% | 2,206 |
| Noninterest expense to average assets | 2.1457% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9831% | 497 |
| Return on assets (ROA) | 1.9831% | 526 |
| Pretax return on assets | 1.9831% | 866 |
| Return on Equity (ROE) | 25.6058% | 171 |
| Retained earnings to average equity (ytd only) | 4.8591% | 3,239 |
| Net charge-offs to loans | -0.0019% | 3,188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9685% | 4,050 |
| Assets per employee ($millions) | 4.9533% | 3,697 |
| Cash dividends to net income (ytd only)* | 81.0233% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,559 |
| Loan loss allowance to noncurrent loans | 116,300.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,348 |
| Noncurrent loans to loans | 0.0009% | 4,273 |
| Net loans and leases to total assets | 53.1019% | 3,240 |
| Net loans and leases to deposits | 57.6121% | 3,581 |
| Net loans and leases to core deposits | 58.2998% | 3,741 |
| Total domestic deposits to total assets | 92.1713% | 97 |
| Equity capital to assets | 7.7376% | 4,659 |
| Core capital (leverage) ratio | 7.6556% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1140% | 1,096 |
| Memoranda: | ||
| Average total assets | $203,013,000 | 3,075 |
| Average earning assets | $196,547,333 | 3,013 |
| Average equity | $15,723,000 | 3,613 |
| Average total loans | $107,277,333 | 3,162 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 1,135 |
| Cost of funding earning assets | 0.1201% | 4,520 |
| Net interest margin | 4.1189% | 703 |
| Noninterest income to average assets | 0.4631% | 2,778 |
| Noninterest expense to average assets | 2.1007% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3510% | 343 |
| Return on assets (ROA) | 2.3510% | 364 |
| Pretax return on assets | 2.3510% | 555 |
| Return on Equity (ROE) | 30.3418% | 135 |
| Retained earnings to average equity (ytd only) | 16.4807% | 467 |
| Net charge-offs to loans | -0.0038% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1890% | 4,392 |
| Assets per employee ($millions) | 4.9940% | 3,663 |
| Cash dividends to net income (ytd only)* | 45.6832% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,598 |
| Loan loss allowance to noncurrent loans | 58,150.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,413 |
| Noncurrent loans to loans | 0.0018% | 4,328 |
| Net loans and leases to total assets | 52.8312% | 3,368 |
| Net loans and leases to deposits | 57.3295% | 3,692 |
| Net loans and leases to core deposits | 57.9284% | 3,840 |
| Total domestic deposits to total assets | 92.1536% | 117 |
| Equity capital to assets | 7.7942% | 4,597 |
| Core capital (leverage) ratio | 7.9005% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5988% | 837 |
| Memoranda: | ||
| Average total assets | $202,976,000 | 3,063 |
| Average earning assets | $196,557,000 | 3,002 |
| Average equity | $15,727,500 | 3,616 |
| Average total loans | $106,413,000 | 3,183 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 2,185 |
| Cost of funding earning assets | 0.1786% | 4,651 |
| Net interest margin | 4.0055% | 964 |
| Noninterest income to average assets | 0.7539% | 1,676 |
| Noninterest expense to average assets | 2.6847% | 2,283 |
| Loan and lease loss provision to assets | 0.2347% | 1,658 |
| Net operating income to assets | 1.6910% | 515 |
| Return on assets (ROA) | 1.7854% | 435 |
| Pretax return on assets | 1.7854% | 707 |
| Return on Equity (ROE) | 20.2310% | 222 |
| Retained earnings to average equity (ytd only) | -1.2368% | 4,654 |
| Net charge-offs to loans | -0.0019% | 3,978 |
| Credit loss provision to net charge-offs | -20,750.0000% | 4,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2311% | 3,694 |
| Assets per employee ($millions) | 5.0299% | 3,362 |
| Cash dividends to net income (ytd only)* | 106.1134% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,344 |
| Loan loss allowance to noncurrent loans | 58,100.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,485 |
| Noncurrent loans to loans | 0.0019% | 4,405 |
| Net loans and leases to total assets | 50.8589% | 3,759 |
| Net loans and leases to deposits | 55.1299% | 4,063 |
| Net loans and leases to core deposits | 56.5293% | 4,124 |
| Total domestic deposits to total assets | 92.2528% | 51 |
| Equity capital to assets | 7.7019% | 4,800 |
| Core capital (leverage) ratio | 7.7475% | 4,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2945% | 863 |
| Memoranda: | ||
| Average total assets | $176,820,000 | 3,129 |
| Average earning assets | $170,242,600 | 3,069 |
| Average equity | $15,604,800 | 3,597 |
| Average total loans | $105,893,800 | 3,153 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 1,490 |
| Cost of funding earning assets | 0.1983% | 4,684 |
| Net interest margin | 4.3393% | 542 |
| Noninterest income to average assets | 0.6865% | 1,838 |
| Noninterest expense to average assets | 2.4913% | 2,878 |
| Loan and lease loss provision to assets | 0.1950% | 2,027 |
| Net operating income to assets | 2.1695% | 216 |
| Return on assets (ROA) | 2.2999% | 187 |
| Pretax return on assets | 2.2999% | 279 |
| Return on Equity (ROE) | 25.1188% | 114 |
| Retained earnings to average equity (ytd only) | -0.8956% | 4,604 |
| Net charge-offs to loans | -0.0200% | 4,425 |
| Credit loss provision to net charge-offs | -1,562.5000% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3027% | 4,397 |
| Assets per employee ($millions) | 4.6780% | 3,626 |
| Cash dividends to net income (ytd only)* | 103.5654% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 4,167 |
| Loan loss allowance to noncurrent loans | 3,744.4444% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,423 |
| Noncurrent loans to loans | 0.0232% | 4,316 |
| Net loans and leases to total assets | 60.2311% | 3,207 |
| Net loans and leases to deposits | 65.6233% | 3,647 |
| Net loans and leases to core deposits | 67.3794% | 3,802 |
| Total domestic deposits to total assets | 91.7830% | 72 |
| Equity capital to assets | 8.1252% | 4,669 |
| Core capital (leverage) ratio | 8.7056% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1163% | 773 |
| Memoranda: | ||
| Average total assets | $170,726,000 | 3,171 |
| Average earning assets | $164,046,250 | 3,112 |
| Average equity | $15,632,000 | 3,591 |
| Average total loans | $106,495,250 | 3,147 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 698 |
| Cost of funding earning assets | 0.2116% | 4,735 |
| Net interest margin | 4.8798% | 249 |
| Noninterest income to average assets | 0.8344% | 1,334 |
| Noninterest expense to average assets | 2.6157% | 2,612 |
| Loan and lease loss provision to assets | 0.3054% | 1,408 |
| Net operating income to assets | 2.5901% | 123 |
| Return on assets (ROA) | 2.7941% | 106 |
| Pretax return on assets | 2.7941% | 143 |
| Return on Equity (ROE) | 29.2306% | 66 |
| Retained earnings to average equity (ytd only) | 3.3742% | 3,234 |
| Net charge-offs to loans | 0.0911% | 1,343 |
| Credit loss provision to net charge-offs | 531.9149% | 1,178 |
| Earnings coverage of net charge-offs (x) | 50.4255% | 1,100 |
| Efficiency ratio | 47.4618% | 4,658 |
| Assets per employee ($millions) | 4.5383% | 3,732 |
| Cash dividends to net income (ytd only)* | 88.4565% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 4,290 |
| Loan loss allowance to noncurrent loans | 81.8496% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 1,863 |
| Noncurrent loans to loans | 1.0015% | 1,551 |
| Net loans and leases to total assets | 64.7378% | 2,786 |
| Net loans and leases to deposits | 71.2433% | 3,327 |
| Net loans and leases to core deposits | 73.1910% | 3,509 |
| Total domestic deposits to total assets | 90.8686% | 180 |
| Equity capital to assets | 9.0472% | 4,049 |
| Core capital (leverage) ratio | 9.3558% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8040% | 937 |
| Memoranda: | ||
| Average total assets | $163,702,000 | 3,212 |
| Average earning assets | $156,891,333 | 3,165 |
| Average equity | $15,648,000 | 3,590 |
| Average total loans | $103,149,333 | 3,187 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 2,653 |
| Cost of funding earning assets | 0.2336% | 4,812 |
| Net interest margin | 4.1570% | 1,012 |
| Noninterest income to average assets | 0.6571% | 1,814 |
| Noninterest expense to average assets | 2.6487% | 2,840 |
| Loan and lease loss provision to assets | 0.1273% | 2,119 |
| Net operating income to assets | 1.8694% | 357 |
| Return on assets (ROA) | 1.8872% | 378 |
| Pretax return on assets | 1.8872% | 582 |
| Return on Equity (ROE) | 19.1652% | 203 |
| Retained earnings to average equity (ytd only) | -10.1128% | 4,768 |
| Net charge-offs to loans | -0.2351% | 4,957 |
| Credit loss provision to net charge-offs | -87.7193% | 3,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0175% | 4,111 |
| Assets per employee ($millions) | 3.7819% | 4,193 |
| Cash dividends to net income (ytd only)* | 152.7665% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,221 |
| Loan loss allowance to noncurrent loans | 635.0746% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 4,176 |
| Noncurrent loans to loans | 0.1369% | 3,974 |
| Net loans and leases to total assets | 62.5749% | 3,241 |
| Net loans and leases to deposits | 69.5242% | 3,629 |
| Net loans and leases to core deposits | 71.8838% | 3,769 |
| Total domestic deposits to total assets | 90.0044% | 320 |
| Equity capital to assets | 9.9298% | 3,850 |
| Core capital (leverage) ratio | 9.7660% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8812% | 1,161 |
| Memoranda: | ||
| Average total assets | $157,056,000 | 3,246 |
| Average earning assets | $150,686,500 | 3,187 |
| Average equity | $15,465,500 | 3,614 |
| Average total loans | $96,959,500 | 3,263 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 2,884 |
| Cost of funding earning assets | 0.2359% | 4,885 |
| Net interest margin | 4.2808% | 1,133 |
| Noninterest income to average assets | 1.5795% | 374 |
| Noninterest expense to average assets | 3.1708% | 1,590 |
| Loan and lease loss provision to assets | 0.1303% | 1,642 |
| Net operating income to assets | 2.3824% | 159 |
| Return on assets (ROA) | 2.3824% | 169 |
| Pretax return on assets | 2.3824% | 258 |
| Return on Equity (ROE) | 24.6099% | 81 |
| Retained earnings to average equity (ytd only) | 6.8929% | 1,431 |
| Net charge-offs to loans | 0.1627% | 1,233 |
| Credit loss provision to net charge-offs | 128.2051% | 1,989 |
| Earnings coverage of net charge-offs (x) | 24.7179% | 1,762 |
| Efficiency ratio | 55.7900% | 4,229 |
| Assets per employee ($millions) | 4.0783% | 3,813 |
| Cash dividends to net income (ytd only)* | 71.9912% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7747% | 4,378 |
| Loan loss allowance to noncurrent loans | 184.6154% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 3,118 |
| Noncurrent loans to loans | 0.4196% | 2,939 |
| Net loans and leases to total assets | 59.9146% | 3,590 |
| Net loans and leases to deposits | 66.4121% | 3,933 |
| Net loans and leases to core deposits | 68.2685% | 4,066 |
| Total domestic deposits to total assets | 90.2165% | 258 |
| Equity capital to assets | 9.7666% | 4,136 |
| Core capital (leverage) ratio | 9.8430% | 3,683 |
| Tier 1 risk-based capital ratio | 16.9223% | 2,073 |
| Total risk-based capital ratio | 17.7315% | 2,168 |
| Memoranda: | ||
| Average total assets | $153,461,600 | 3,254 |
| Average earning assets | $147,121,400 | 3,201 |
| Average equity | $14,855,800 | 3,654 |
| Average total loans | $95,910,200 | 3,284 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 2,828 |
| Cost of funding earning assets | 0.2362% | 4,962 |
| Net interest margin | 4.3351% | 1,086 |
| Noninterest income to average assets | 0.6953% | 1,806 |
| Noninterest expense to average assets | 3.0899% | 1,736 |
| Loan and lease loss provision to assets | 0.0877% | 2,163 |
| Net operating income to assets | 1.6703% | 789 |
| Return on assets (ROA) | 1.6703% | 835 |
| Pretax return on assets | 1.6703% | 1,418 |
| Return on Equity (ROE) | 17.2947% | 449 |
| Retained earnings to average equity (ytd only) | 6.1099% | 2,320 |
| Net charge-offs to loans | 0.0723% | 1,793 |
| Credit loss provision to net charge-offs | 192.3077% | 1,360 |
| Earnings coverage of net charge-offs (x) | 38.5586% | 1,405 |
| Efficiency ratio | 63.7367% | 3,054 |
| Assets per employee ($millions) | 3.8324% | 4,125 |
| Cash dividends to net income (ytd only)* | 64.6720% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 4,429 |
| Loan loss allowance to noncurrent loans | 82.3077% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 2,018 |
| Noncurrent loans to loans | 0.9630% | 1,670 |
| Net loans and leases to total assets | 61.1571% | 3,572 |
| Net loans and leases to deposits | 67.8929% | 3,929 |
| Net loans and leases to core deposits | 69.8641% | 4,065 |
| Total domestic deposits to total assets | 90.0787% | 268 |
| Equity capital to assets | 9.8873% | 4,128 |
| Core capital (leverage) ratio | 10.0583% | 3,581 |
| Tier 1 risk-based capital ratio | 16.6981% | 2,185 |
| Total risk-based capital ratio | 17.5206% | 2,274 |
| Memoranda: | ||
| Average total assets | $152,063,750 | 3,302 |
| Average earning assets | $145,658,750 | 3,249 |
| Average equity | $14,686,250 | 3,698 |
| Average total loans | $95,877,750 | 3,326 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 2,800 |
| Cost of funding earning assets | 0.2219% | 5,025 |
| Net interest margin | 4.3391% | 1,068 |
| Noninterest income to average assets | 0.6726% | 1,821 |
| Noninterest expense to average assets | 3.2443% | 1,418 |
| Loan and lease loss provision to assets | 0.1319% | 1,418 |
| Net operating income to assets | 1.4480% | 1,301 |
| Return on assets (ROA) | 1.4480% | 1,355 |
| Pretax return on assets | 1.4480% | 2,042 |
| Return on Equity (ROE) | 15.1143% | 736 |
| Retained earnings to average equity (ytd only) | 5.8640% | 2,346 |
| Net charge-offs to loans | 0.1038% | 1,352 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 23.9600% | 1,639 |
| Efficiency ratio | 67.2499% | 2,649 |
| Assets per employee ($millions) | 3.9070% | 3,986 |
| Cash dividends to net income (ytd only)* | 61.2022% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 4,563 |
| Loan loss allowance to noncurrent loans | 452.4096% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 4,208 |
| Noncurrent loans to loans | 0.1691% | 3,944 |
| Net loans and leases to total assets | 63.9271% | 3,352 |
| Net loans and leases to deposits | 71.6576% | 3,713 |
| Net loans and leases to core deposits | 73.9618% | 3,895 |
| Total domestic deposits to total assets | 89.2119% | 587 |
| Equity capital to assets | 9.7669% | 4,175 |
| Core capital (leverage) ratio | 9.8371% | 3,781 |
| Tier 1 risk-based capital ratio | 15.9973% | 2,412 |
| Total risk-based capital ratio | 16.8005% | 2,537 |
| Memoranda: | ||
| Average total assets | $151,652,670 | 3,331 |
| Average earning assets | $145,100,000 | 3,270 |
| Average equity | $14,529,330 | 3,717 |
| Average total loans | $96,336,670 | 3,335 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 3,000 |
| Cost of funding earning assets | 0.2188% | 5,073 |
| Net interest margin | 4.2436% | 1,212 |
| Noninterest income to average assets | 0.5261% | 2,403 |
| Noninterest expense to average assets | 3.4185% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1580% | 2,228 |
| Return on assets (ROA) | 1.1580% | 2,282 |
| Pretax return on assets | 1.1580% | 2,947 |
| Return on Equity (ROE) | 12.2065% | 1,461 |
| Retained earnings to average equity (ytd only) | 12.2065% | 577 |
| Net charge-offs to loans | 0.0168% | 2,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 109.5000% | 630 |
| Efficiency ratio | 74.6967% | 1,652 |
| Assets per employee ($millions) | 3.8879% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7199% | 4,735 |
| Loan loss allowance to noncurrent loans | 315.3846% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 2,694 |
| Noncurrent loans to loans | 0.2282% | 3,760 |
| Net loans and leases to total assets | 63.3968% | 3,359 |
| Net loans and leases to deposits | 71.2851% | 3,657 |
| Net loans and leases to core deposits | 73.6607% | 3,813 |
| Total domestic deposits to total assets | 88.9342% | 888 |
| Equity capital to assets | 9.6769% | 4,112 |
| Core capital (leverage) ratio | 10.0049% | 3,602 |
| Tier 1 risk-based capital ratio | 15.4115% | 2,695 |
| Total risk-based capital ratio | 16.1290% | 2,859 |
| Memoranda: | ||
| Average total assets | $151,293,000 | 3,373 |
| Average earning assets | $144,407,000 | 3,316 |
| Average equity | $14,353,000 | 3,751 |
| Average total loans | $95,426,000 | 3,387 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,954 |
| Cost of funding earning assets | 0.1951% | 5,024 |
| Net interest margin | 4.1468% | 1,535 |
| Noninterest income to average assets | 0.5741% | 2,426 |
| Noninterest expense to average assets | 3.9197% | 591 |
| Loan and lease loss provision to assets | 0.2181% | 831 |
| Net operating income to assets | 0.4048% | 4,854 |
| Return on assets (ROA) | 0.4048% | 4,846 |
| Pretax return on assets | 0.4048% | 4,928 |
| Return on Equity (ROE) | 4.4342% | 4,603 |
| Retained earnings to average equity (ytd only) | 3.0050% | 3,896 |
| Net charge-offs to loans | 0.5591% | 310 |
| Credit loss provision to net charge-offs | 61.0487% | 3,092 |
| Earnings coverage of net charge-offs (x) | 1.7434% | 3,596 |
| Efficiency ratio | 86.2866% | 513 |
| Assets per employee ($millions) | 3.7739% | 4,221 |
| Cash dividends to net income (ytd only)* | 32.2314% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 4,692 |
| Loan loss allowance to noncurrent loans | 815.1163% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 2,989 |
| Noncurrent loans to loans | 0.0915% | 4,340 |
| Net loans and leases to total assets | 61.8229% | 3,586 |
| Net loans and leases to deposits | 69.1950% | 3,886 |
| Net loans and leases to core deposits | 71.3496% | 4,036 |
| Total domestic deposits to total assets | 89.3460% | 713 |
| Equity capital to assets | 9.2960% | 4,323 |
| Core capital (leverage) ratio | 9.8134% | 3,781 |
| Tier 1 risk-based capital ratio | 15.8507% | 2,469 |
| Total risk-based capital ratio | 16.6152% | 2,594 |
| Memoranda: | ||
| Average total assets | $149,450,000 | 3,394 |
| Average earning assets | $143,026,400 | 3,331 |
| Average equity | $13,643,800 | 3,793 |
| Average total loans | $95,511,200 | 3,374 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 3,059 |
| Cost of funding earning assets | 0.1933% | 5,042 |
| Net interest margin | 4.0816% | 1,687 |
| Noninterest income to average assets | 0.5742% | 2,456 |
| Noninterest expense to average assets | 3.8003% | 672 |
| Loan and lease loss provision to assets | 0.2916% | 512 |
| Net operating income to assets | 0.3908% | 4,975 |
| Return on assets (ROA) | 0.3908% | 4,974 |
| Pretax return on assets | 0.3908% | 5,043 |
| Return on Equity (ROE) | 4.3012% | 4,748 |
| Retained earnings to average equity (ytd only) | 2.3819% | 4,444 |
| Net charge-offs to loans | 0.4589% | 342 |
| Credit loss provision to net charge-offs | 98.7879% | 2,310 |
| Earnings coverage of net charge-offs (x) | 2.3121% | 3,251 |
| Efficiency ratio | 84.7765% | 596 |
| Assets per employee ($millions) | 3.6975% | 4,312 |
| Cash dividends to net income (ytd only)* | 44.6220% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 4,042 |
| Loan loss allowance to noncurrent loans | 78.2007% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8016% | 1,842 |
| Noncurrent loans to loans | 1.2169% | 1,384 |
| Net loans and leases to total assets | 65.2471% | 3,280 |
| Net loans and leases to deposits | 73.2444% | 3,660 |
| Net loans and leases to core deposits | 75.6385% | 3,830 |
| Total domestic deposits to total assets | 89.0814% | 823 |
| Equity capital to assets | 9.4228% | 4,163 |
| Core capital (leverage) ratio | 9.8976% | 3,747 |
| Tier 1 risk-based capital ratio | 15.2728% | 2,750 |
| Total risk-based capital ratio | 16.2338% | 2,811 |
| Memoranda: | ||
| Average total assets | $149,073,250 | 3,437 |
| Average earning assets | $142,750,500 | 3,361 |
| Average equity | $13,546,250 | 3,835 |
| Average total loans | $95,882,250 | 3,411 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 3,075 |
| Cost of funding earning assets | 0.1925% | 5,062 |
| Net interest margin | 4.0214% | 1,785 |
| Noninterest income to average assets | 0.5548% | 2,558 |
| Noninterest expense to average assets | 4.0519% | 497 |
| Loan and lease loss provision to assets | 0.1327% | 1,489 |
| Net operating income to assets | 0.2230% | 5,209 |
| Return on assets (ROA) | 0.2230% | 5,204 |
| Pretax return on assets | 0.2230% | 5,221 |
| Return on Equity (ROE) | 2.4829% | 5,101 |
| Retained earnings to average equity (ytd only) | 1.1232% | 4,730 |
| Net charge-offs to loans | 0.1996% | 788 |
| Credit loss provision to net charge-offs | 104.1667% | 1,960 |
| Earnings coverage of net charge-offs (x) | 2.7917% | 2,946 |
| Efficiency ratio | 91.9301% | 313 |
| Assets per employee ($millions) | 3.6490% | 4,403 |
| Cash dividends to net income (ytd only)* | 54.7619% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 4,236 |
| Loan loss allowance to noncurrent loans | 67.6056% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 1,667 |
| Noncurrent loans to loans | 1.3643% | 1,242 |
| Net loans and leases to total assets | 65.4822% | 3,211 |
| Net loans and leases to deposits | 73.6454% | 3,570 |
| Net loans and leases to core deposits | 75.7658% | 3,761 |
| Total domestic deposits to total assets | 88.9156% | 966 |
| Equity capital to assets | 8.9889% | 4,572 |
| Core capital (leverage) ratio | 9.5209% | 4,093 |
| Tier 1 risk-based capital ratio | 14.3230% | 3,196 |
| Total risk-based capital ratio | 15.2429% | 3,287 |
| Memoranda: | ||
| Average total assets | $150,696,330 | 3,427 |
| Average earning assets | $144,379,000 | 3,367 |
| Average equity | $13,532,330 | 3,862 |
| Average total loans | $96,178,670 | 3,409 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,386 |
| Cost of funding earning assets | 0.1879% | 5,085 |
| Net interest margin | 3.8708% | 2,157 |
| Noninterest income to average assets | 0.5501% | 2,519 |
| Noninterest expense to average assets | 3.6815% | 787 |
| Loan and lease loss provision to assets | 0.2645% | 535 |
| Net operating income to assets | 0.3094% | 5,077 |
| Return on assets (ROA) | 0.3094% | 5,084 |
| Pretax return on assets | 0.3094% | 5,158 |
| Return on Equity (ROE) | 3.4476% | 4,906 |
| Retained earnings to average equity (ytd only) | 2.4752% | 4,177 |
| Net charge-offs to loans | 0.0084% | 2,432 |
| Credit loss provision to net charge-offs | 5,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 575 |
| Efficiency ratio | 86.5134% | 613 |
| Assets per employee ($millions) | 3.6814% | 4,441 |
| Cash dividends to net income (ytd only)* | 28.2051% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,695 |
| Loan loss allowance to noncurrent loans | 61.6800% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.0806% | 1,443 |
| Noncurrent loans to loans | 1.6941% | 1,010 |
| Net loans and leases to total assets | 63.1166% | 3,419 |
| Net loans and leases to deposits | 74.5024% | 3,365 |
| Net loans and leases to core deposits | 76.7335% | 3,603 |
| Total domestic deposits to total assets | 84.7176% | 3,028 |
| Equity capital to assets | 8.9560% | 4,605 |
| Core capital (leverage) ratio | 9.5278% | 4,039 |
| Tier 1 risk-based capital ratio | 14.6567% | 3,050 |
| Total risk-based capital ratio | 15.6945% | 3,062 |
| Memoranda: | ||
| Average total assets | $151,241,000 | 3,454 |
| Average earning assets | $144,776,500 | 3,395 |
| Average equity | $13,574,500 | 3,890 |
| Average total loans | $94,829,000 | 3,449 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 3,659 |
| Cost of funding earning assets | 0.1883% | 5,038 |
| Net interest margin | 3.7310% | 2,671 |
| Noninterest income to average assets | 0.6044% | 2,425 |
| Noninterest expense to average assets | 3.2669% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9174% | 2,611 |
| Return on assets (ROA) | 0.9174% | 2,640 |
| Pretax return on assets | 0.9174% | 3,855 |
| Return on Equity (ROE) | 10.4155% | 1,712 |
| Retained earnings to average equity (ytd only) | -2.2102% | 5,300 |
| Net charge-offs to loans | 0.0022% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 721.0000% | 114 |
| Efficiency ratio | 78.0751% | 1,335 |
| Assets per employee ($millions) | 3.6962% | 4,435 |
| Cash dividends to net income (ytd only)* | 121.2205% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 4,093 |
| Loan loss allowance to noncurrent loans | 255.7746% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 3,967 |
| Noncurrent loans to loans | 0.3801% | 3,397 |
| Net loans and leases to total assets | 61.0232% | 3,730 |
| Net loans and leases to deposits | 69.6117% | 3,906 |
| Net loans and leases to core deposits | 71.2567% | 4,100 |
| Total domestic deposits to total assets | 87.6623% | 1,673 |
| Equity capital to assets | 8.9947% | 4,729 |
| Core capital (leverage) ratio | 9.1872% | 4,410 |
| Tier 1 risk-based capital ratio | 15.0510% | 2,832 |
| Total risk-based capital ratio | 16.0186% | 2,885 |
| Memoranda: | ||
| Average total assets | $157,180,400 | 3,389 |
| Average earning assets | $150,815,600 | 3,314 |
| Average equity | $13,844,800 | 3,863 |
| Average total loans | $92,234,400 | 3,485 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 3,867 |
| Cost of funding earning assets | 0.1875% | 5,077 |
| Net interest margin | 3.6528% | 2,938 |
| Noninterest income to average assets | 0.5599% | 2,667 |
| Noninterest expense to average assets | 2.8005% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2653% | 1,453 |
| Return on assets (ROA) | 1.2653% | 1,482 |
| Pretax return on assets | 1.2653% | 2,648 |
| Return on Equity (ROE) | 14.4379% | 747 |
| Retained earnings to average equity (ytd only) | -0.4125% | 5,272 |
| Net charge-offs to loans | 0.0014% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1,508.7368% | 58 |
| Efficiency ratio | 68.8792% | 2,728 |
| Assets per employee ($millions) | 3.9088% | 4,140 |
| Cash dividends to net income (ytd only)* | 102.8570% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 4,245 |
| Loan loss allowance to noncurrent loans | 254.6218% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 4,147 |
| Noncurrent loans to loans | 0.3804% | 3,586 |
| Net loans and leases to total assets | 59.4480% | 3,928 |
| Net loans and leases to deposits | 69.6227% | 3,991 |
| Net loans and leases to core deposits | 71.2592% | 4,169 |
| Total domestic deposits to total assets | 85.3860% | 2,564 |
| Equity capital to assets | 9.0681% | 4,853 |
| Core capital (leverage) ratio | 9.2396% | 4,480 |
| Tier 1 risk-based capital ratio | 15.1612% | 2,857 |
| Total risk-based capital ratio | 16.1192% | 2,905 |
| Memoranda: | ||
| Average total assets | $158,589,500 | 3,393 |
| Average earning assets | $152,207,750 | 3,324 |
| Average equity | $13,898,250 | 3,895 |
| Average total loans | $91,946,750 | 3,524 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 4,029 |
| Cost of funding earning assets | 0.1857% | 5,101 |
| Net interest margin | 3.5745% | 3,130 |
| Noninterest income to average assets | 0.5322% | 2,819 |
| Noninterest expense to average assets | 2.6723% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2904% | 1,320 |
| Return on assets (ROA) | 1.2904% | 1,344 |
| Pretax return on assets | 1.2904% | 2,423 |
| Return on Equity (ROE) | 14.8932% | 681 |
| Retained earnings to average equity (ytd only) | -2.9410% | 5,429 |
| Net charge-offs to loans | 0.0022% | 3,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,028.0000% | 66 |
| Efficiency ratio | 67.4374% | 3,107 |
| Assets per employee ($millions) | 3.9510% | 4,040 |
| Cash dividends to net income (ytd only)* | 119.7471% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 4,167 |
| Loan loss allowance to noncurrent loans | 274.6224% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 4,331 |
| Noncurrent loans to loans | 0.3630% | 3,726 |
| Net loans and leases to total assets | 57.1263% | 4,111 |
| Net loans and leases to deposits | 66.5848% | 4,182 |
| Net loans and leases to core deposits | 68.2566% | 4,333 |
| Total domestic deposits to total assets | 85.7948% | 2,477 |
| Equity capital to assets | 8.7427% | 5,110 |
| Core capital (leverage) ratio | 9.1662% | 4,535 |
| Tier 1 risk-based capital ratio | 15.3985% | 2,747 |
| Total risk-based capital ratio | 16.3824% | 2,805 |
| Memoranda: | ||
| Average total assets | $159,336,000 | 3,403 |
| Average earning assets | $152,917,330 | 3,332 |
| Average equity | $13,805,000 | 3,917 |
| Average total loans | $91,310,330 | 3,554 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7213% | 4,046 |
| Cost of funding earning assets | 0.1849% | 5,114 |
| Net interest margin | 3.5364% | 3,140 |
| Noninterest income to average assets | 0.4750% | 3,150 |
| Noninterest expense to average assets | 2.7328% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1376% | 1,721 |
| Return on assets (ROA) | 1.1376% | 1,756 |
| Pretax return on assets | 1.1376% | 2,834 |
| Return on Equity (ROE) | 13.1894% | 959 |
| Retained earnings to average equity (ytd only) | -5.1308% | 5,396 |
| Net charge-offs to loans | 0.0044% | 2,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 455.0000% | 123 |
| Efficiency ratio | 70.6072% | 2,801 |
| Assets per employee ($millions) | 3.8151% | 4,323 |
| Cash dividends to net income (ytd only)* | 138.9011% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 4,324 |
| Loan loss allowance to noncurrent loans | 125.5525% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 3,235 |
| Noncurrent loans to loans | 0.7925% | 2,476 |
| Net loans and leases to total assets | 59.2704% | 3,860 |
| Net loans and leases to deposits | 69.4986% | 3,853 |
| Net loans and leases to core deposits | 71.3174% | 4,047 |
| Total domestic deposits to total assets | 85.2828% | 2,970 |
| Equity capital to assets | 9.0220% | 4,786 |
| Core capital (leverage) ratio | 9.2035% | 4,476 |
| Tier 1 risk-based capital ratio | 15.4234% | 2,785 |
| Total risk-based capital ratio | 16.4071% | 2,827 |
| Memoranda: | ||
| Average total assets | $159,983,500 | 3,432 |
| Average earning assets | $153,603,000 | 3,358 |
| Average equity | $13,799,000 | 3,947 |
| Average total loans | $91,369,500 | 3,565 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 3,471 |
| Cost of funding earning assets | 0.1879% | 5,129 |
| Net interest margin | 3.7388% | 2,542 |
| Noninterest income to average assets | 0.5877% | 2,723 |
| Noninterest expense to average assets | 2.6255% | 3,601 |
| Loan and lease loss provision to assets | 0.0853% | 2,652 |
| Net operating income to assets | 1.4597% | 900 |
| Return on assets (ROA) | 1.4597% | 926 |
| Pretax return on assets | 1.4597% | 1,715 |
| Return on Equity (ROE) | 16.2169% | 486 |
| Retained earnings to average equity (ytd only) | 0.2668% | 5,211 |
| Net charge-offs to loans | 0.2100% | 1,322 |
| Credit loss provision to net charge-offs | 66.5025% | 3,169 |
| Earnings coverage of net charge-offs (x) | 12.0443% | 2,490 |
| Efficiency ratio | 62.9545% | 4,112 |
| Assets per employee ($millions) | 4.1841% | 3,640 |
| Cash dividends to net income (ytd only)* | 98.3550% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 4,358 |
| Loan loss allowance to noncurrent loans | 236.9792% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 4,306 |
| Noncurrent loans to loans | 0.4202% | 3,634 |
| Net loans and leases to total assets | 54.0568% | 4,441 |
| Net loans and leases to deposits | 62.4381% | 4,515 |
| Net loans and leases to core deposits | 63.9010% | 4,639 |
| Total domestic deposits to total assets | 86.5765% | 2,344 |
| Equity capital to assets | 8.2635% | 5,443 |
| Core capital (leverage) ratio | 9.1870% | 4,494 |
| Tier 1 risk-based capital ratio | 15.3895% | 2,797 |
| Total risk-based capital ratio | 16.3600% | 2,850 |
| Memoranda: | ||
| Average total assets | $158,255,000 | 3,415 |
| Average earning assets | $151,651,200 | 3,349 |
| Average equity | $14,244,400 | 3,914 |
| Average total loans | $96,683,400 | 3,449 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 3,192 |
| Cost of funding earning assets | 0.1894% | 5,182 |
| Net interest margin | 3.8212% | 2,258 |
| Noninterest income to average assets | 0.7787% | 1,849 |
| Noninterest expense to average assets | 2.5396% | 3,865 |
| Loan and lease loss provision to assets | 0.0855% | 2,515 |
| Net operating income to assets | 1.8105% | 476 |
| Return on assets (ROA) | 1.8105% | 506 |
| Pretax return on assets | 1.8105% | 881 |
| Return on Equity (ROE) | 19.6817% | 260 |
| Retained earnings to average equity (ytd only) | -1.4311% | 5,548 |
| Net charge-offs to loans | 0.0612% | 2,479 |
| Credit loss provision to net charge-offs | 222.2222% | 1,323 |
| Earnings coverage of net charge-offs (x) | 49.2877% | 1,086 |
| Efficiency ratio | 57.2557% | 4,924 |
| Assets per employee ($millions) | 3.6794% | 4,513 |
| Cash dividends to net income (ytd only)* | 107.2711% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 3,984 |
| Loan loss allowance to noncurrent loans | 149.9274% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 2,918 |
| Noncurrent loans to loans | 0.7173% | 2,883 |
| Net loans and leases to total assets | 61.4926% | 3,690 |
| Net loans and leases to deposits | 72.2468% | 3,781 |
| Net loans and leases to core deposits | 74.1142% | 3,990 |
| Total domestic deposits to total assets | 85.1146% | 2,749 |
| Equity capital to assets | 9.2510% | 4,918 |
| Core capital (leverage) ratio | 9.1792% | 4,619 |
| Tier 1 risk-based capital ratio | 14.6337% | 3,220 |
| Total risk-based capital ratio | 15.6955% | 3,243 |
| Memoranda: | ||
| Average total assets | $155,978,000 | 3,451 |
| Average earning assets | $149,268,250 | 3,396 |
| Average equity | $14,348,000 | 3,932 |
| Average total loans | $98,009,000 | 3,428 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,239 |
| Cost of funding earning assets | 0.1857% | 5,274 |
| Net interest margin | 3.8160% | 2,248 |
| Noninterest income to average assets | 0.8092% | 1,675 |
| Noninterest expense to average assets | 2.4888% | 4,060 |
| Loan and lease loss provision to assets | 0.0767% | 2,604 |
| Net operating income to assets | 1.8944% | 400 |
| Return on assets (ROA) | 1.8944% | 418 |
| Pretax return on assets | 1.8944% | 706 |
| Return on Equity (ROE) | 20.6330% | 212 |
| Retained earnings to average equity (ytd only) | -1.2948% | 5,472 |
| Net charge-offs to loans | 0.0628% | 2,296 |
| Credit loss provision to net charge-offs | 193.5484% | 1,330 |
| Earnings coverage of net charge-offs (x) | 49.7419% | 1,001 |
| Efficiency ratio | 55.8040% | 5,161 |
| Assets per employee ($millions) | 3.6681% | 4,496 |
| Cash dividends to net income (ytd only)* | 106.2753% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 4,319 |
| Loan loss allowance to noncurrent loans | 614.0244% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 4,209 |
| Noncurrent loans to loans | 0.1686% | 4,765 |
| Net loans and leases to total assets | 62.4950% | 3,563 |
| Net loans and leases to deposits | 73.4756% | 3,656 |
| Net loans and leases to core deposits | 75.3809% | 3,877 |
| Total domestic deposits to total assets | 85.0554% | 2,853 |
| Equity capital to assets | 9.3274% | 4,944 |
| Core capital (leverage) ratio | 9.0856% | 4,733 |
| Tier 1 risk-based capital ratio | 14.6448% | 3,232 |
| Total risk-based capital ratio | 15.6762% | 3,290 |
| Memoranda: | ||
| Average total assets | $156,459,330 | 3,469 |
| Average earning assets | $149,683,670 | 3,406 |
| Average equity | $14,365,330 | 3,947 |
| Average total loans | $98,658,670 | 3,427 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 3,482 |
| Cost of funding earning assets | 0.1854% | 5,323 |
| Net interest margin | 3.7401% | 2,523 |
| Noninterest income to average assets | 0.6394% | 2,324 |
| Noninterest expense to average assets | 2.3139% | 4,620 |
| Loan and lease loss provision to assets | 0.0634% | 2,685 |
| Net operating income to assets | 1.8445% | 441 |
| Return on assets (ROA) | 1.8445% | 471 |
| Pretax return on assets | 1.8445% | 775 |
| Return on Equity (ROE) | 20.2465% | 228 |
| Retained earnings to average equity (ytd only) | 3.9268% | 3,532 |
| Net charge-offs to loans | 0.1127% | 1,444 |
| Credit loss provision to net charge-offs | 89.2857% | 1,767 |
| Earnings coverage of net charge-offs (x) | 26.8571% | 1,259 |
| Efficiency ratio | 54.8077% | 5,302 |
| Assets per employee ($millions) | 3.9235% | 4,083 |
| Cash dividends to net income (ytd only)* | 80.6052% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 4,768 |
| Loan loss allowance to noncurrent loans | 727.6119% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 4,381 |
| Noncurrent loans to loans | 0.1332% | 4,942 |
| Net loans and leases to total assets | 63.5003% | 3,319 |
| Net loans and leases to deposits | 74.4917% | 3,378 |
| Net loans and leases to core deposits | 76.3815% | 3,645 |
| Total domestic deposits to total assets | 85.2448% | 3,019 |
| Equity capital to assets | 9.2685% | 4,925 |
| Core capital (leverage) ratio | 9.3273% | 4,461 |
| Tier 1 risk-based capital ratio | 14.4693% | 3,407 |
| Total risk-based capital ratio | 15.4401% | 3,506 |
| Memoranda: | ||
| Average total assets | $157,658,000 | 3,471 |
| Average earning assets | $151,010,500 | 3,410 |
| Average equity | $14,363,000 | 3,958 |
| Average total loans | $99,344,000 | 3,436 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 3,474 |
| Cost of funding earning assets | 0.2073% | 5,221 |
| Net interest margin | 3.7514% | 2,548 |
| Noninterest income to average assets | 0.6711% | 2,338 |
| Noninterest expense to average assets | 2.7930% | 3,260 |
| Loan and lease loss provision to assets | 0.0316% | 3,736 |
| Net operating income to assets | 1.4363% | 968 |
| Return on assets (ROA) | 1.4761% | 935 |
| Pretax return on assets | 1.4761% | 1,632 |
| Return on Equity (ROE) | 16.5259% | 507 |
| Retained earnings to average equity (ytd only) | 1.4432% | 4,907 |
| Net charge-offs to loans | 0.0259% | 3,711 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 92.9200% | 617 |
| Efficiency ratio | 65.5495% | 3,973 |
| Assets per employee ($millions) | 3.9594% | 4,016 |
| Cash dividends to net income (ytd only)* | 91.2671% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 4,636 |
| Loan loss allowance to noncurrent loans | 481.7734% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 4,374 |
| Noncurrent loans to loans | 0.2070% | 4,674 |
| Net loans and leases to total assets | 61.2957% | 3,651 |
| Net loans and leases to deposits | 71.6039% | 3,760 |
| Net loans and leases to core deposits | 73.3947% | 4,006 |
| Total domestic deposits to total assets | 85.6038% | 2,817 |
| Equity capital to assets | 8.9534% | 5,172 |
| Core capital (leverage) ratio | 9.0607% | 4,807 |
| Tier 1 risk-based capital ratio | 14.3422% | 3,527 |
| Total risk-based capital ratio | 15.3169% | 3,596 |
| Memoranda: | ||
| Average total assets | $158,251,400 | 3,455 |
| Average earning assets | $151,437,400 | 3,381 |
| Average equity | $14,135,400 | 3,947 |
| Average total loans | $96,409,600 | 3,450 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 3,628 |
| Cost of funding earning assets | 0.2115% | 5,276 |
| Net interest margin | 3.7189% | 2,679 |
| Noninterest income to average assets | 0.6843% | 2,306 |
| Noninterest expense to average assets | 2.6224% | 3,792 |
| Loan and lease loss provision to assets | 0.0421% | 3,369 |
| Net operating income to assets | 1.5758% | 814 |
| Return on assets (ROA) | 1.6289% | 744 |
| Pretax return on assets | 1.6289% | 1,302 |
| Return on Equity (ROE) | 18.2471% | 387 |
| Retained earnings to average equity (ytd only) | 0.9346% | 5,338 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8442% | 4,600 |
| Assets per employee ($millions) | 3.9428% | 3,989 |
| Cash dividends to net income (ytd only)* | 94.8783% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 4,572 |
| Loan loss allowance to noncurrent loans | 231.6397% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 4,034 |
| Noncurrent loans to loans | 0.4454% | 4,012 |
| Net loans and leases to total assets | 59.5208% | 3,936 |
| Net loans and leases to deposits | 69.3815% | 4,056 |
| Net loans and leases to core deposits | 71.0838% | 4,271 |
| Total domestic deposits to total assets | 85.7877% | 2,648 |
| Equity capital to assets | 8.8379% | 5,451 |
| Core capital (leverage) ratio | 8.9099% | 5,105 |
| Tier 1 risk-based capital ratio | 14.1666% | 3,750 |
| Total risk-based capital ratio | 15.1611% | 3,841 |
| Memoranda: | ||
| Average total assets | $158,220,500 | 3,488 |
| Average earning assets | $151,295,750 | 3,408 |
| Average equity | $14,124,250 | 3,994 |
| Average total loans | $95,998,250 | 3,490 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 3,582 |
| Cost of funding earning assets | 0.2181% | 5,279 |
| Net interest margin | 3.7098% | 2,667 |
| Noninterest income to average assets | 0.6914% | 2,250 |
| Noninterest expense to average assets | 2.6650% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5776% | 783 |
| Return on assets (ROA) | 1.6578% | 703 |
| Pretax return on assets | 1.6578% | 1,174 |
| Return on Equity (ROE) | 18.5075% | 378 |
| Retained earnings to average equity (ytd only) | 1.1230% | 5,120 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8151% | 4,542 |
| Assets per employee ($millions) | 3.9708% | 3,940 |
| Cash dividends to net income (ytd only)* | 93.9324% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 4,874 |
| Loan loss allowance to noncurrent loans | 453.8095% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 4,456 |
| Noncurrent loans to loans | 0.2204% | 4,900 |
| Net loans and leases to total assets | 59.3842% | 3,922 |
| Net loans and leases to deposits | 69.3382% | 4,003 |
| Net loans and leases to core deposits | 71.0717% | 4,215 |
| Total domestic deposits to total assets | 85.6444% | 2,858 |
| Equity capital to assets | 8.9013% | 5,343 |
| Core capital (leverage) ratio | 8.9421% | 5,037 |
| Tier 1 risk-based capital ratio | 14.5921% | 3,585 |
| Total risk-based capital ratio | 15.5659% | 3,670 |
| Memoranda: | ||
| Average total assets | $157,075,330 | 3,527 |
| Average earning assets | $150,359,670 | 3,451 |
| Average equity | $14,070,000 | 4,035 |
| Average total loans | $95,590,330 | 3,522 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 3,724 |
| Cost of funding earning assets | 0.2220% | 5,299 |
| Net interest margin | 3.6537% | 2,798 |
| Noninterest income to average assets | 0.6581% | 2,369 |
| Noninterest expense to average assets | 2.5685% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5877% | 725 |
| Return on assets (ROA) | 1.7491% | 563 |
| Pretax return on assets | 1.7491% | 955 |
| Return on Equity (ROE) | 19.4642% | 293 |
| Retained earnings to average equity (ytd only) | 2.5648% | 4,399 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7991% | 4,829 |
| Assets per employee ($millions) | 3.8798% | 4,201 |
| Cash dividends to net income (ytd only)* | 86.8228% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 5,076 |
| Loan loss allowance to noncurrent loans | 680.0000% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 4,728 |
| Noncurrent loans to loans | 0.1459% | 5,258 |
| Net loans and leases to total assets | 59.7220% | 3,694 |
| Net loans and leases to deposits | 69.7250% | 3,782 |
| Net loans and leases to core deposits | 71.4632% | 4,016 |
| Total domestic deposits to total assets | 85.6537% | 3,117 |
| Equity capital to assets | 8.8953% | 5,397 |
| Core capital (leverage) ratio | 9.1230% | 4,817 |
| Tier 1 risk-based capital ratio | 15.4732% | 3,161 |
| Total risk-based capital ratio | 16.5050% | 3,215 |
| Memoranda: | ||
| Average total assets | $156,198,000 | 3,561 |
| Average earning assets | $149,547,000 | 3,475 |
| Average equity | $14,036,000 | 4,068 |
| Average total loans | $95,749,000 | 3,528 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,761 |
| Cost of funding earning assets | 0.2518% | 5,304 |
| Net interest margin | 3.7388% | 2,852 |
| Noninterest income to average assets | 0.8236% | 1,782 |
| Noninterest expense to average assets | 2.8767% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4610% | 957 |
| Return on assets (ROA) | 1.4610% | 990 |
| Pretax return on assets | 1.4610% | 1,687 |
| Return on Equity (ROE) | 16.8529% | 505 |
| Retained earnings to average equity (ytd only) | 2.0459% | 4,757 |
| Net charge-offs to loans | 0.0162% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 152.6667% | 354 |
| Efficiency ratio | 66.0980% | 4,229 |
| Assets per employee ($millions) | 3.8331% | 4,280 |
| Cash dividends to net income (ytd only)* | 87.8603% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 5,079 |
| Loan loss allowance to noncurrent loans | 266.9468% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 4,724 |
| Noncurrent loans to loans | 0.3736% | 4,526 |
| Net loans and leases to total assets | 61.6942% | 3,542 |
| Net loans and leases to deposits | 72.3440% | 3,639 |
| Net loans and leases to core deposits | 72.7116% | 4,057 |
| Total domestic deposits to total assets | 85.2789% | 3,176 |
| Equity capital to assets | 9.0801% | 5,202 |
| Core capital (leverage) ratio | 9.2353% | 4,625 |
| Tier 1 risk-based capital ratio | 14.9381% | 3,524 |
| Total risk-based capital ratio | 15.9415% | 3,588 |
| Memoranda: | ||
| Average total assets | $156,741,600 | 3,539 |
| Average earning assets | $147,321,600 | 3,489 |
| Average equity | $13,588,200 | 4,092 |
| Average total loans | $92,323,200 | 3,580 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 4,064 |
| Cost of funding earning assets | 0.2559% | 5,343 |
| Net interest margin | 3.6717% | 3,141 |
| Noninterest income to average assets | 0.9002% | 1,520 |
| Noninterest expense to average assets | 2.7428% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5931% | 766 |
| Return on assets (ROA) | 1.5931% | 795 |
| Pretax return on assets | 1.5931% | 1,344 |
| Return on Equity (ROE) | 18.5905% | 390 |
| Retained earnings to average equity (ytd only) | 2.6755% | 4,694 |
| Net charge-offs to loans | 0.0248% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 110.7455% | 540 |
| Efficiency ratio | 62.9659% | 4,732 |
| Assets per employee ($millions) | 3.8183% | 4,251 |
| Cash dividends to net income (ytd only)* | 85.6082% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 5,247 |
| Loan loss allowance to noncurrent loans | 243.8462% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 4,860 |
| Noncurrent loans to loans | 0.4075% | 4,682 |
| Net loans and leases to total assets | 62.0448% | 3,476 |
| Net loans and leases to deposits | 75.9613% | 3,185 |
| Net loans and leases to core deposits | 76.1194% | 3,726 |
| Total domestic deposits to total assets | 81.6794% | 4,597 |
| Equity capital to assets | 9.0598% | 5,291 |
| Core capital (leverage) ratio | 9.1172% | 4,903 |
| Tier 1 risk-based capital ratio | 14.8662% | 3,668 |
| Total risk-based capital ratio | 15.8632% | 3,751 |
| Memoranda: | ||
| Average total assets | $157,596,000 | 3,551 |
| Average earning assets | $147,466,250 | 3,513 |
| Average equity | $13,504,750 | 4,130 |
| Average total loans | $91,517,750 | 3,629 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 4,147 |
| Cost of funding earning assets | 0.2580% | 5,405 |
| Net interest margin | 3.6381% | 3,199 |
| Noninterest income to average assets | 0.9459% | 1,342 |
| Noninterest expense to average assets | 2.8577% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4709% | 922 |
| Return on assets (ROA) | 1.4709% | 962 |
| Pretax return on assets | 1.4709% | 1,632 |
| Return on Equity (ROE) | 17.4854% | 504 |
| Retained earnings to average equity (ytd only) | 1.7471% | 5,024 |
| Net charge-offs to loans | 0.0311% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 83.6429% | 634 |
| Efficiency ratio | 65.5833% | 4,424 |
| Assets per employee ($millions) | 3.8776% | 4,111 |
| Cash dividends to net income (ytd only)* | 90.0085% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 5,340 |
| Loan loss allowance to noncurrent loans | 170.9677% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 4,708 |
| Noncurrent loans to loans | 0.5859% | 4,269 |
| Net loans and leases to total assets | 57.8886% | 4,006 |
| Net loans and leases to deposits | 69.6400% | 3,867 |
| Net loans and leases to core deposits | 71.8226% | 4,067 |
| Total domestic deposits to total assets | 83.1255% | 4,255 |
| Equity capital to assets | 8.4624% | 5,829 |
| Core capital (leverage) ratio | 8.6972% | 5,399 |
| Tier 1 risk-based capital ratio | 14.6949% | 3,812 |
| Total risk-based capital ratio | 15.6945% | 3,906 |
| Memoranda: | ||
| Average total assets | $159,218,000 | 3,547 |
| Average earning assets | $148,044,330 | 3,517 |
| Average equity | $13,394,000 | 4,156 |
| Average total loans | $90,119,670 | 3,675 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8174% | 4,415 |
| Cost of funding earning assets | 0.2634% | 5,458 |
| Net interest margin | 3.5540% | 3,465 |
| Noninterest income to average assets | 0.6303% | 2,567 |
| Noninterest expense to average assets | 2.7192% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1690% | 1,570 |
| Return on assets (ROA) | 1.1690% | 1,641 |
| Pretax return on assets | 1.1690% | 2,621 |
| Return on Equity (ROE) | 13.9394% | 955 |
| Retained earnings to average equity (ytd only) | 0.9091% | 5,235 |
| Net charge-offs to loans | -0.0320% | 5,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4771% | 3,918 |
| Assets per employee ($millions) | 3.7528% | 4,417 |
| Cash dividends to net income (ytd only)* | 93.4783% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 5,075 |
| Loan loss allowance to noncurrent loans | 238.9706% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 5,151 |
| Noncurrent loans to loans | 0.4650% | 4,762 |
| Net loans and leases to total assets | 56.3868% | 4,096 |
| Net loans and leases to deposits | 67.8510% | 3,869 |
| Net loans and leases to core deposits | 70.1049% | 4,078 |
| Total domestic deposits to total assets | 83.1039% | 4,574 |
| Equity capital to assets | 8.6492% | 5,495 |
| Core capital (leverage) ratio | 8.9832% | 5,036 |
| Tier 1 risk-based capital ratio | 15.7817% | 3,284 |
| Total risk-based capital ratio | 16.8863% | 3,330 |
| Memoranda: | ||
| Average total assets | $157,396,500 | 3,600 |
| Average earning assets | $144,288,000 | 3,617 |
| Average equity | $13,200,000 | 4,200 |
| Average total loans | $87,563,500 | 3,759 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 4,053 |
| Cost of funding earning assets | 0.3080% | 5,533 |
| Net interest margin | 3.7033% | 3,038 |
| Noninterest income to average assets | 0.9157% | 1,629 |
| Noninterest expense to average assets | 3.0405% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3732% | 1,080 |
| Return on assets (ROA) | 1.3732% | 1,121 |
| Pretax return on assets | 1.3732% | 1,891 |
| Return on Equity (ROE) | 16.0570% | 614 |
| Retained earnings to average equity (ytd only) | -2.1225% | 6,191 |
| Net charge-offs to loans | 0.0393% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 63.1143% | 659 |
| Efficiency ratio | 68.4789% | 4,102 |
| Assets per employee ($millions) | 3.8316% | 4,196 |
| Cash dividends to net income (ytd only)* | 113.2187% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 5,110 |
| Loan loss allowance to noncurrent loans | 233.2530% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 5,293 |
| Noncurrent loans to loans | 0.4749% | 4,803 |
| Net loans and leases to total assets | 53.7038% | 4,622 |
| Net loans and leases to deposits | 63.0085% | 4,607 |
| Net loans and leases to core deposits | 64.9543% | 4,783 |
| Total domestic deposits to total assets | 85.2326% | 3,625 |
| Equity capital to assets | 8.1353% | 5,915 |
| Core capital (leverage) ratio | 8.7729% | 5,327 |
| Tier 1 risk-based capital ratio | 15.5277% | 3,358 |
| Total risk-based capital ratio | 16.6095% | 3,401 |
| Memoranda: | ||
| Average total assets | $160,859,800 | 3,551 |
| Average earning assets | $151,944,600 | 3,468 |
| Average equity | $13,757,200 | 4,113 |
| Average total loans | $89,110,800 | 3,707 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 4,024 |
| Cost of funding earning assets | 0.3123% | 5,621 |
| Net interest margin | 3.7139% | 2,977 |
| Noninterest income to average assets | 1.0080% | 1,430 |
| Noninterest expense to average assets | 2.9635% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5733% | 790 |
| Return on assets (ROA) | 1.5733% | 840 |
| Pretax return on assets | 1.5733% | 1,410 |
| Return on Equity (ROE) | 18.1750% | 425 |
| Retained earnings to average equity (ytd only) | -0.5075% | 6,045 |
| Net charge-offs to loans | -0.0223% | 6,075 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9187% | 4,663 |
| Assets per employee ($millions) | 3.8194% | 4,193 |
| Cash dividends to net income (ytd only)* | 102.7926% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 5,349 |
| Loan loss allowance to noncurrent loans | 215.6780% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 5,158 |
| Noncurrent loans to loans | 0.5074% | 4,926 |
| Net loans and leases to total assets | 57.3569% | 4,111 |
| Net loans and leases to deposits | 70.3619% | 3,735 |
| Net loans and leases to core deposits | 72.7900% | 3,995 |
| Total domestic deposits to total assets | 81.5171% | 5,081 |
| Equity capital to assets | 8.3659% | 5,864 |
| Core capital (leverage) ratio | 8.8910% | 5,271 |
| Tier 1 risk-based capital ratio | 14.7936% | 3,877 |
| Total risk-based capital ratio | 15.8598% | 3,956 |
| Memoranda: | ||
| Average total assets | $160,842,500 | 3,585 |
| Average earning assets | $152,827,000 | 3,485 |
| Average equity | $13,923,500 | 4,130 |
| Average total loans | $89,540,250 | 3,728 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 4,248 |
| Cost of funding earning assets | 0.3118% | 5,741 |
| Net interest margin | 3.6517% | 3,171 |
| Noninterest income to average assets | 1.0672% | 1,346 |
| Noninterest expense to average assets | 2.8239% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7207% | 601 |
| Return on assets (ROA) | 1.7207% | 652 |
| Pretax return on assets | 1.7207% | 1,070 |
| Return on Equity (ROE) | 19.6575% | 332 |
| Retained earnings to average equity (ytd only) | 1.6180% | 5,216 |
| Net charge-offs to loans | -0.0272% | 6,070 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7277% | 5,210 |
| Assets per employee ($millions) | 3.9320% | 3,953 |
| Cash dividends to net income (ytd only)* | 91.7690% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,452 |
| Loan loss allowance to noncurrent loans | 146.4646% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 5,084 |
| Noncurrent loans to loans | 0.7498% | 4,422 |
| Net loans and leases to total assets | 56.7000% | 4,178 |
| Net loans and leases to deposits | 67.6575% | 4,060 |
| Net loans and leases to core deposits | 71.0833% | 4,160 |
| Total domestic deposits to total assets | 83.8044% | 4,403 |
| Equity capital to assets | 8.3109% | 5,963 |
| Core capital (leverage) ratio | 8.8679% | 5,194 |
| Tier 1 risk-based capital ratio | 15.0528% | 3,747 |
| Total risk-based capital ratio | 16.1223% | 3,827 |
| Memoranda: | ||
| Average total assets | $160,985,670 | 3,591 |
| Average earning assets | $153,298,670 | 3,497 |
| Average equity | $14,091,330 | 4,129 |
| Average total loans | $88,378,330 | 3,761 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 4,322 |
| Cost of funding earning assets | 0.3109% | 5,885 |
| Net interest margin | 3.6311% | 3,135 |
| Noninterest income to average assets | 0.8926% | 1,784 |
| Noninterest expense to average assets | 2.6406% | 4,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7082% | 573 |
| Return on assets (ROA) | 1.7082% | 633 |
| Pretax return on assets | 1.7082% | 1,053 |
| Return on Equity (ROE) | 19.0331% | 357 |
| Retained earnings to average equity (ytd only) | 1.8008% | 5,091 |
| Net charge-offs to loans | -0.0232% | 5,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3202% | 5,544 |
| Assets per employee ($millions) | 4.0200% | 3,902 |
| Cash dividends to net income (ytd only)* | 90.5386% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,492 |
| Loan loss allowance to noncurrent loans | 149.7771% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 5,225 |
| Noncurrent loans to loans | 0.7534% | 4,623 |
| Net loans and leases to total assets | 54.9279% | 4,256 |
| Net loans and leases to deposits | 64.8190% | 4,209 |
| Net loans and leases to core deposits | 68.0712% | 4,296 |
| Total domestic deposits to total assets | 84.7405% | 4,163 |
| Equity capital to assets | 8.9933% | 5,490 |
| Core capital (leverage) ratio | 8.9593% | 4,951 |
| Tier 1 risk-based capital ratio | 15.1782% | 3,720 |
| Total risk-based capital ratio | 16.2533% | 3,793 |
| Memoranda: | ||
| Average total assets | $160,873,500 | 3,629 |
| Average earning assets | $153,120,000 | 3,539 |
| Average equity | $14,438,000 | 4,102 |
| Average total loans | $86,357,000 | 3,831 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 3,670 |
| Cost of funding earning assets | 0.3883% | 5,989 |
| Net interest margin | 4.0489% | 2,205 |
| Noninterest income to average assets | 0.8863% | 1,910 |
| Noninterest expense to average assets | 2.9758% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.7415% | 564 |
| Return on assets (ROA) | 1.7415% | 629 |
| Pretax return on assets | 1.7415% | 1,041 |
| Return on Equity (ROE) | 18.8740% | 367 |
| Retained earnings to average equity (ytd only) | 6.7658% | 1,685 |
| Net charge-offs to loans | 0.0341% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 99.7037% | 382 |
| Efficiency ratio | 62.6851% | 5,135 |
| Assets per employee ($millions) | 3.8321% | 4,306 |
| Cash dividends to net income (ytd only)* | 64.1530% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 5,099 |
| Loan loss allowance to noncurrent loans | 164.1571% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 5,485 |
| Noncurrent loans to loans | 0.7328% | 4,712 |
| Net loans and leases to total assets | 51.1839% | 5,012 |
| Net loans and leases to deposits | 59.7463% | 5,051 |
| Net loans and leases to core deposits | 62.7065% | 5,090 |
| Total domestic deposits to total assets | 85.6688% | 3,525 |
| Equity capital to assets | 8.9563% | 5,571 |
| Core capital (leverage) ratio | 8.7367% | 5,266 |
| Tier 1 risk-based capital ratio | 15.9109% | 3,210 |
| Total risk-based capital ratio | 17.0381% | 3,229 |
| Memoranda: | ||
| Average total assets | $154,580,200 | 3,705 |
| Average earning assets | $146,263,200 | 3,621 |
| Average equity | $14,263,000 | 4,111 |
| Average total loans | $79,071,400 | 4,066 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 3,381 |
| Cost of funding earning assets | 0.4041% | 6,090 |
| Net interest margin | 4.1566% | 1,879 |
| Noninterest income to average assets | 0.9116% | 1,789 |
| Noninterest expense to average assets | 2.7862% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0515% | 358 |
| Return on assets (ROA) | 2.0515% | 400 |
| Pretax return on assets | 2.0515% | 627 |
| Return on Equity (ROE) | 22.0639% | 236 |
| Retained earnings to average equity (ytd only) | 12.3723% | 467 |
| Net charge-offs to loans | 0.0273% | 5,278 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 147.1444% | 302 |
| Efficiency ratio | 57.1969% | 5,898 |
| Assets per employee ($millions) | 3.8046% | 4,293 |
| Cash dividends to net income (ytd only)* | 43.9251% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 4,927 |
| Loan loss allowance to noncurrent loans | 123.3577% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 5,306 |
| Noncurrent loans to loans | 1.0332% | 4,379 |
| Net loans and leases to total assets | 50.3555% | 5,271 |
| Net loans and leases to deposits | 59.1146% | 5,306 |
| Net loans and leases to core deposits | 62.1591% | 5,344 |
| Total domestic deposits to total assets | 85.1827% | 3,667 |
| Equity capital to assets | 9.5527% | 5,140 |
| Core capital (leverage) ratio | 9.4649% | 4,325 |
| Tier 1 risk-based capital ratio | 16.9790% | 2,740 |
| Total risk-based capital ratio | 18.1660% | 2,739 |
| Memoranda: | ||
| Average total assets | $152,988,000 | 3,773 |
| Average earning assets | $144,506,500 | 3,682 |
| Average equity | $14,225,000 | 4,157 |
| Average total loans | $77,993,500 | 4,138 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 3,126 |
| Cost of funding earning assets | 0.4215% | 6,156 |
| Net interest margin | 4.2322% | 1,668 |
| Noninterest income to average assets | 0.9172% | 1,723 |
| Noninterest expense to average assets | 2.7713% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1357% | 311 |
| Return on assets (ROA) | 2.1357% | 352 |
| Pretax return on assets | 2.1357% | 540 |
| Return on Equity (ROE) | 23.1863% | 199 |
| Retained earnings to average equity (ytd only) | 17.6718% | 154 |
| Net charge-offs to loans | 0.0026% | 5,479 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1,623.0000% | 14 |
| Efficiency ratio | 56.0740% | 6,108 |
| Assets per employee ($millions) | 3.5845% | 4,780 |
| Cash dividends to net income (ytd only)* | 23.7831% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 4,723 |
| Loan loss allowance to noncurrent loans | 181.8021% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 5,711 |
| Noncurrent loans to loans | 0.7344% | 5,039 |
| Net loans and leases to total assets | 49.3337% | 5,439 |
| Net loans and leases to deposits | 59.4434% | 5,296 |
| Net loans and leases to core deposits | 62.6297% | 5,340 |
| Total domestic deposits to total assets | 82.9927% | 4,759 |
| Equity capital to assets | 9.5994% | 4,915 |
| Core capital (leverage) ratio | 9.4145% | 4,278 |
| Tier 1 risk-based capital ratio | 17.3673% | 2,525 |
| Total risk-based capital ratio | 18.6070% | 2,493 |
| Memoranda: | ||
| Average total assets | $151,988,330 | 3,805 |
| Average earning assets | $143,282,670 | 3,729 |
| Average equity | $13,999,670 | 4,195 |
| Average total loans | $77,470,670 | 4,169 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 4,138 |
| Cost of funding earning assets | 0.4372% | 6,222 |
| Net interest margin | 4.0081% | 2,470 |
| Noninterest income to average assets | 0.1961% | 6,209 |
| Noninterest expense to average assets | 2.7327% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2298% | 1,660 |
| Return on assets (ROA) | 1.2298% | 1,839 |
| Pretax return on assets | 1.2298% | 2,807 |
| Return on Equity (ROE) | 13.6456% | 1,268 |
| Retained earnings to average equity (ytd only) | 13.6456% | 607 |
| Net charge-offs to loans | 0.0051% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 464.0000% | 56 |
| Efficiency ratio | 68.4950% | 4,074 |
| Assets per employee ($millions) | 3.6156% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 4,817 |
| Loan loss allowance to noncurrent loans | 138.6792% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.3789% | 3,810 |
| Noncurrent loans to loans | 0.9708% | 4,739 |
| Net loans and leases to total assets | 49.6520% | 5,357 |
| Net loans and leases to deposits | 58.1468% | 5,355 |
| Net loans and leases to core deposits | 61.2189% | 5,414 |
| Total domestic deposits to total assets | 85.3907% | 3,840 |
| Equity capital to assets | 9.0613% | 5,406 |
| Core capital (leverage) ratio | 9.1940% | 4,527 |
| Tier 1 risk-based capital ratio | 16.8190% | 2,749 |
| Total risk-based capital ratio | 18.0698% | 2,708 |
| Memoranda: | ||
| Average total assets | $150,915,500 | 3,851 |
| Average earning assets | $141,814,500 | 3,786 |
| Average equity | $13,601,500 | 4,277 |
| Average total loans | $77,671,500 | 4,192 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7484% | 4,040 |
| Cost of funding earning assets | 0.6339% | 5,904 |
| Net interest margin | 4.1144% | 2,369 |
| Noninterest income to average assets | 0.5137% | 3,758 |
| Noninterest expense to average assets | 3.1291% | 3,100 |
| Loan and lease loss provision to assets | 0.0706% | 5,735 |
| Net operating income to assets | 1.1732% | 1,593 |
| Return on assets (ROA) | 1.1732% | 1,701 |
| Pretax return on assets | 1.1732% | 2,563 |
| Return on Equity (ROE) | 11.7847% | 1,469 |
| Retained earnings to average equity (ytd only) | -22.4470% | 7,001 |
| Net charge-offs to loans | 0.1531% | 4,913 |
| Credit loss provision to net charge-offs | 90.9091% | 3,970 |
| Earnings coverage of net charge-offs (x) | 16.0083% | 1,360 |
| Efficiency ratio | 71.1307% | 3,761 |
| Assets per employee ($millions) | 3.4878% | 5,042 |
| Cash dividends to net income (ytd only)* | 290.4762% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 4,875 |
| Loan loss allowance to noncurrent loans | 119.7674% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.5689% | 3,594 |
| Noncurrent loans to loans | 1.0898% | 4,533 |
| Net loans and leases to total assets | 51.9316% | 5,320 |
| Net loans and leases to deposits | 61.0346% | 5,360 |
| Net loans and leases to core deposits | 66.2276% | 5,226 |
| Total domestic deposits to total assets | 85.0856% | 3,797 |
| Equity capital to assets | 8.9634% | 5,588 |
| Core capital (leverage) ratio | 8.4906% | 5,576 |
| Tier 1 risk-based capital ratio | 15.8476% | 3,129 |
| Total risk-based capital ratio | 17.0876% | 3,096 |
| Memoranda: | ||
| Average total assets | $155,731,800 | 3,708 |
| Average earning assets | $146,071,200 | 3,635 |
| Average equity | $15,503,200 | 3,818 |
| Average total loans | $79,054,600 | 4,172 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 4,089 |
| Cost of funding earning assets | 0.6685% | 5,944 |
| Net interest margin | 4.1171% | 2,406 |
| Noninterest income to average assets | 0.4708% | 4,122 |
| Noninterest expense to average assets | 3.0005% | 3,553 |
| Loan and lease loss provision to assets | 0.0933% | 5,297 |
| Net operating income to assets | 1.2377% | 1,548 |
| Return on assets (ROA) | 1.2377% | 1,650 |
| Pretax return on assets | 1.2377% | 2,495 |
| Return on Equity (ROE) | 12.1441% | 1,510 |
| Retained earnings to average equity (ytd only) | -7.0584% | 6,709 |
| Net charge-offs to loans | 0.1888% | 4,285 |
| Credit loss provision to net charge-offs | 98.2143% | 3,477 |
| Earnings coverage of net charge-offs (x) | 14.0089% | 1,563 |
| Efficiency ratio | 68.8406% | 4,150 |
| Assets per employee ($millions) | 3.9803% | 3,895 |
| Cash dividends to net income (ytd only)* | 158.1222% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 4,869 |
| Loan loss allowance to noncurrent loans | 80.2937% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1180% | 4,541 |
| Noncurrent loans to loans | 1.6571% | 3,815 |
| Net loans and leases to total assets | 48.3949% | 5,906 |
| Net loans and leases to deposits | 58.1166% | 5,832 |
| Net loans and leases to core deposits | 64.7080% | 5,548 |
| Total domestic deposits to total assets | 83.2721% | 4,574 |
| Equity capital to assets | 10.0790% | 4,237 |
| Core capital (leverage) ratio | 9.9535% | 3,502 |
| Tier 1 risk-based capital ratio | 19.0831% | 1,906 |
| Total risk-based capital ratio | 20.3329% | 1,881 |
| Memoranda: | ||
| Average total assets | $157,170,750 | 3,703 |
| Average earning assets | $147,381,000 | 3,640 |
| Average equity | $16,018,250 | 3,734 |
| Average total loans | $79,089,500 | 4,206 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 3,567 |
| Cost of funding earning assets | 0.7011% | 5,952 |
| Net interest margin | 4.2093% | 1,998 |
| Noninterest income to average assets | 0.5585% | 3,414 |
| Noninterest expense to average assets | 3.0686% | 3,366 |
| Loan and lease loss provision to assets | 0.0447% | 5,749 |
| Net operating income to assets | 1.3816% | 1,124 |
| Return on assets (ROA) | 1.3816% | 1,191 |
| Pretax return on assets | 1.3816% | 1,855 |
| Return on Equity (ROE) | 13.5052% | 1,086 |
| Retained earnings to average equity (ytd only) | -5.8718% | 6,644 |
| Net charge-offs to loans | 0.2694% | 3,535 |
| Credit loss provision to net charge-offs | 32.7103% | 4,949 |
| Earnings coverage of net charge-offs (x) | 10.4299% | 1,811 |
| Efficiency ratio | 67.8419% | 4,544 |
| Assets per employee ($millions) | 3.6015% | 4,677 |
| Cash dividends to net income (ytd only)* | 143.4783% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 5,351 |
| Loan loss allowance to noncurrent loans | 60.8286% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 2.2295% | 2,941 |
| Noncurrent loans to loans | 2.0429% | 3,422 |
| Net loans and leases to total assets | 48.5953% | 5,986 |
| Net loans and leases to deposits | 58.5982% | 5,868 |
| Net loans and leases to core deposits | 67.0276% | 5,387 |
| Total domestic deposits to total assets | 82.9297% | 4,786 |
| Equity capital to assets | 10.2923% | 3,761 |
| Core capital (leverage) ratio | 10.2313% | 3,001 |
| Tier 1 risk-based capital ratio | 19.4081% | 1,736 |
| Total risk-based capital ratio | 20.5720% | 1,727 |
| Memoranda: | ||
| Average total assets | $156,490,000 | 3,744 |
| Average earning assets | $146,341,670 | 3,683 |
| Average equity | $16,008,670 | 3,734 |
| Average total loans | $79,422,670 | 4,237 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 2,868 |
| Cost of funding earning assets | 0.7208% | 6,024 |
| Net interest margin | 4.3278% | 1,475 |
| Noninterest income to average assets | 0.4630% | 4,165 |
| Noninterest expense to average assets | 3.1511% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3582% | 1,139 |
| Return on assets (ROA) | 1.3582% | 1,189 |
| Pretax return on assets | 1.3582% | 1,859 |
| Return on Equity (ROE) | 13.3182% | 1,122 |
| Retained earnings to average equity (ytd only) | -8.4752% | 6,779 |
| Net charge-offs to loans | 0.5340% | 2,158 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.9346% | 2,364 |
| Efficiency ratio | 69.4809% | 4,380 |
| Assets per employee ($millions) | 3.9680% | 3,897 |
| Cash dividends to net income (ytd only)* | 163.6364% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 5,756 |
| Loan loss allowance to noncurrent loans | 40.0515% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 2.8226% | 2,444 |
| Noncurrent loans to loans | 2.9289% | 2,565 |
| Net loans and leases to total assets | 50.8462% | 5,734 |
| Net loans and leases to deposits | 59.0346% | 5,818 |
| Net loans and leases to core deposits | 68.7616% | 5,196 |
| Total domestic deposits to total assets | 86.1295% | 3,443 |
| Equity capital to assets | 10.1316% | 3,611 |
| Core capital (leverage) ratio | 10.5966% | 2,510 |
| Tier 1 risk-based capital ratio | 19.4899% | 1,702 |
| Total risk-based capital ratio | 20.6077% | 1,694 |
| Memoranda: | ||
| Average total assets | $155,501,000 | 3,783 |
| Average earning assets | $145,384,500 | 3,725 |
| Average equity | $15,858,000 | 3,745 |
| Average total loans | $80,145,500 | 4,248 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1243% | 3,982 |
| Cost of funding earning assets | 0.8201% | 6,482 |
| Net interest margin | 4.3042% | 1,809 |
| Noninterest income to average assets | 0.8283% | 2,147 |
| Noninterest expense to average assets | 3.2478% | 2,922 |
| Loan and lease loss provision to assets | 0.2861% | 4,512 |
| Net operating income to assets | 1.3248% | 1,114 |
| Return on assets (ROA) | 1.3350% | 1,165 |
| Pretax return on assets | 1.3350% | 1,843 |
| Return on Equity (ROE) | 12.1711% | 1,285 |
| Retained earnings to average equity (ytd only) | -9.0935% | 6,597 |
| Net charge-offs to loans | 0.5423% | 3,440 |
| Credit loss provision to net charge-offs | 100.6711% | 4,516 |
| Earnings coverage of net charge-offs (x) | 5.6689% | 2,564 |
| Efficiency ratio | 66.4660% | 4,880 |
| Assets per employee ($millions) | 3.9062% | 3,989 |
| Cash dividends to net income (ytd only)* | 174.7143% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 5,056 |
| Loan loss allowance to noncurrent loans | 36.8105% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 2.9683% | 2,375 |
| Noncurrent loans to loans | 3.5056% | 2,158 |
| Net loans and leases to total assets | 50.9635% | 6,048 |
| Net loans and leases to deposits | 57.1267% | 6,339 |
| Net loans and leases to core deposits | 66.0907% | 5,868 |
| Total domestic deposits to total assets | 89.2115% | 1,535 |
| Equity capital to assets | 10.2637% | 3,429 |
| Core capital (leverage) ratio | 10.4300% | 2,636 |
| Tier 1 risk-based capital ratio | 19.7002% | 1,553 |
| Total risk-based capital ratio | 20.9346% | 1,525 |
| Memoranda: | ||
| Average total assets | $157,306,600 | 3,753 |
| Average earning assets | $147,299,600 | 3,680 |
| Average equity | $17,254,000 | 3,543 |
| Average total loans | $82,429,200 | 4,264 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 3,953 |
| Cost of funding earning assets | 0.8184% | 6,694 |
| Net interest margin | 4.3587% | 1,647 |
| Noninterest income to average assets | 0.8512% | 1,992 |
| Noninterest expense to average assets | 3.0529% | 3,560 |
| Loan and lease loss provision to assets | 0.2538% | 4,551 |
| Net operating income to assets | 1.6272% | 705 |
| Return on assets (ROA) | 1.6407% | 752 |
| Pretax return on assets | 1.6407% | 1,243 |
| Return on Equity (ROE) | 14.7240% | 909 |
| Retained earnings to average equity (ytd only) | -11.6182% | 6,952 |
| Net charge-offs to loans | 0.6629% | 2,769 |
| Credit loss provision to net charge-offs | 72.8155% | 5,344 |
| Earnings coverage of net charge-offs (x) | 5.3956% | 2,753 |
| Efficiency ratio | 61.4989% | 5,702 |
| Assets per employee ($millions) | 3.9077% | 4,021 |
| Cash dividends to net income (ytd only)* | 178.9067% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,770 |
| Loan loss allowance to noncurrent loans | 35.3435% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 2.8314% | 2,564 |
| Noncurrent loans to loans | 3.2170% | 2,468 |
| Net loans and leases to total assets | 49.0592% | 6,427 |
| Net loans and leases to deposits | 55.0901% | 6,680 |
| Net loans and leases to core deposits | 63.0255% | 6,372 |
| Total domestic deposits to total assets | 89.0527% | 1,365 |
| Equity capital to assets | 10.3886% | 3,657 |
| Core capital (leverage) ratio | 10.5224% | 2,664 |
| Tier 1 risk-based capital ratio | 19.7731% | 1,590 |
| Total risk-based capital ratio | 20.8731% | 1,591 |
| Memoranda: | ||
| Average total assets | $157,571,000 | 3,803 |
| Average earning assets | $147,593,250 | 3,725 |
| Average equity | $17,558,250 | 3,545 |
| Average total loans | $82,868,750 | 4,322 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3617% | 3,149 |
| Cost of funding earning assets | 0.8272% | 6,828 |
| Net interest margin | 4.5345% | 1,138 |
| Noninterest income to average assets | 0.4441% | 4,570 |
| Noninterest expense to average assets | 2.9938% | 3,738 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6977% | 590 |
| Return on assets (ROA) | 1.6977% | 641 |
| Pretax return on assets | 1.6977% | 1,062 |
| Return on Equity (ROE) | 14.8807% | 876 |
| Retained earnings to average equity (ytd only) | -15.3997% | 7,115 |
| Net charge-offs to loans | 0.3744% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 8.4551% | 2,133 |
| Efficiency ratio | 63.4019% | 5,447 |
| Assets per employee ($millions) | 3.8163% | 4,185 |
| Cash dividends to net income (ytd only)* | 203.4875% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 6,192 |
| Loan loss allowance to noncurrent loans | 18.6864% | 7,003 |
| Noncurrent assets plus other real estate owned to assets | 3.6109% | 1,943 |
| Noncurrent loans to loans | 5.6016% | 1,175 |
| Net loans and leases to total assets | 53.2882% | 6,080 |
| Net loans and leases to deposits | 60.4488% | 6,373 |
| Net loans and leases to core deposits | 68.4655% | 6,022 |
| Total domestic deposits to total assets | 88.1543% | 1,928 |
| Equity capital to assets | 10.9951% | 2,862 |
| Core capital (leverage) ratio | 11.0518% | 2,200 |
| Tier 1 risk-based capital ratio | 19.3621% | 1,637 |
| Total risk-based capital ratio | 20.3784% | 1,656 |
| Memoranda: | ||
| Average total assets | $155,387,330 | 3,866 |
| Average earning assets | $145,551,000 | 3,787 |
| Average equity | $17,727,670 | 3,509 |
| Average total loans | $83,344,000 | 4,344 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5854% | 2,216 |
| Cost of funding earning assets | 0.7806% | 7,146 |
| Net interest margin | 4.8049% | 639 |
| Noninterest income to average assets | 0.2764% | 5,941 |
| Noninterest expense to average assets | 3.1231% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6533% | 680 |
| Return on assets (ROA) | 1.6533% | 729 |
| Pretax return on assets | 1.6533% | 1,156 |
| Return on Equity (ROE) | 14.2305% | 1,011 |
| Retained earnings to average equity (ytd only) | -20.6343% | 7,393 |
| Net charge-offs to loans | 0.4102% | 2,812 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 7.5294% | 2,075 |
| Efficiency ratio | 65.0081% | 5,307 |
| Assets per employee ($millions) | 3.5429% | 4,941 |
| Cash dividends to net income (ytd only)* | 245.0000% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 5,730 |
| Loan loss allowance to noncurrent loans | 14.8419% | 7,209 |
| Noncurrent assets plus other real estate owned to assets | 4.9533% | 1,305 |
| Noncurrent loans to loans | 7.7978% | 712 |
| Net loans and leases to total assets | 53.4258% | 6,101 |
| Net loans and leases to deposits | 60.9766% | 6,367 |
| Net loans and leases to core deposits | 70.5325% | 5,870 |
| Total domestic deposits to total assets | 87.6168% | 2,287 |
| Equity capital to assets | 11.4904% | 2,371 |
| Core capital (leverage) ratio | 11.2132% | 2,082 |
| Tier 1 risk-based capital ratio | 19.8443% | 1,552 |
| Total risk-based capital ratio | 20.9417% | 1,551 |
| Memoranda: | ||
| Average total assets | $154,846,000 | 3,932 |
| Average earning assets | $145,020,000 | 3,848 |
| Average equity | $17,989,500 | 3,483 |
| Average total loans | $82,885,000 | 4,413 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6890% | 3,159 |
| Cost of funding earning assets | 0.8610% | 7,470 |
| Net interest margin | 4.8280% | 651 |
| Noninterest income to average assets | 7.8033% | 90 |
| Noninterest expense to average assets | 3.5354% | 2,304 |
| Loan and lease loss provision to assets | 0.5130% | 3,810 |
| Net operating income to assets | 8.2688% | 18 |
| Return on assets (ROA) | 8.2688% | 19 |
| Pretax return on assets | 8.2688% | 23 |
| Return on Equity (ROE) | 81.9295% | 5 |
| Retained earnings to average equity (ytd only) | 71.5974% | 3 |
| Net charge-offs to loans | 0.0725% | 6,383 |
| Credit loss provision to net charge-offs | 1,308.5106% | 230 |
| Earnings coverage of net charge-offs (x) | 223.9787% | 129 |
| Efficiency ratio | 28.6014% | 7,945 |
| Assets per employee ($millions) | 3.7464% | 4,403 |
| Cash dividends to net income (ytd only)* | 12.6110% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 5,100 |
| Loan loss allowance to noncurrent loans | 15.8111% | 7,222 |
| Noncurrent assets plus other real estate owned to assets | 5.6753% | 1,021 |
| Noncurrent loans to loans | 7.8692% | 653 |
| Net loans and leases to total assets | 52.3604% | 6,384 |
| Net loans and leases to deposits | 59.9905% | 6,636 |
| Net loans and leases to core deposits | 78.0700% | 6,253 |
| Total domestic deposits to total assets | 87.2811% | 2,337 |
| Equity capital to assets | 11.7409% | 2,170 |
| Core capital (leverage) ratio | 11.8286% | 1,744 |
| Tier 1 risk-based capital ratio | 20.8497% | 1,320 |
| Total risk-based capital ratio | 22.0418% | 1,295 |
| Memoranda: | ||
| Average total assets | $119,872,400 | 4,567 |
| Average earning assets | $112,076,000 | 4,510 |
| Average equity | $12,098,200 | 4,725 |
| Average total loans | $64,814,200 | 5,074 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7926% | 2,928 |
| Cost of funding earning assets | 0.8755% | 7,600 |
| Net interest margin | 4.9171% | 529 |
| Noninterest income to average assets | 11.0485% | 65 |
| Noninterest expense to average assets | 3.1962% | 3,312 |
| Loan and lease loss provision to assets | 0.6817% | 2,693 |
| Net operating income to assets | 11.7652% | 13 |
| Return on assets (ROA) | 11.7652% | 13 |
| Pretax return on assets | 11.7652% | 20 |
| Return on Equity (ROE) | 123.7690% | 6 |
| Retained earnings to average equity (ytd only) | 107.9028% | 4 |
| Net charge-offs to loans | 0.0687% | 6,002 |
| Credit loss provision to net charge-offs | 1,822.5806% | 210 |
| Earnings coverage of net charge-offs (x) | 332.7926% | 113 |
| Efficiency ratio | 20.3779% | 8,053 |
| Assets per employee ($millions) | 3.3936% | 5,180 |
| Cash dividends to net income (ytd only)* | 12.8192% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,384 |
| Loan loss allowance to noncurrent loans | 10.6356% | 7,440 |
| Noncurrent assets plus other real estate owned to assets | 6.4691% | 778 |
| Noncurrent loans to loans | 10.8678% | 338 |
| Net loans and leases to total assets | 58.8375% | 5,762 |
| Net loans and leases to deposits | 68.1949% | 6,115 |
| Net loans and leases to core deposits | 88.5125% | 5,594 |
| Total domestic deposits to total assets | 86.2785% | 2,553 |
| Equity capital to assets | 12.6532% | 1,856 |
| Core capital (leverage) ratio | 12.9984% | 1,379 |
| Tier 1 risk-based capital ratio | 20.6676% | 1,426 |
| Total risk-based capital ratio | 21.8213% | 1,400 |
| Memoranda: | ||
| Average total assets | $110,503,500 | 4,845 |
| Average earning assets | $103,255,250 | 4,782 |
| Average equity | $10,504,250 | 5,199 |
| Average total loans | $60,161,250 | 5,279 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2372% | 5,927 |
| Cost of funding earning assets | 0.8714% | 7,731 |
| Net interest margin | 4.3658% | 1,482 |
| Noninterest income to average assets | 0.6120% | 3,586 |
| Noninterest expense to average assets | 3.1085% | 3,663 |
| Loan and lease loss provision to assets | 0.0811% | 6,373 |
| Net operating income to assets | 1.4732% | 893 |
| Return on assets (ROA) | 1.4732% | 957 |
| Pretax return on assets | 1.4732% | 1,518 |
| Return on Equity (ROE) | 18.5199% | 445 |
| Retained earnings to average equity (ytd only) | -3.0824% | 5,984 |
| Net charge-offs to loans | 0.0780% | 5,422 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 38.3500% | 836 |
| Efficiency ratio | 66.6667% | 5,421 |
| Assets per employee ($millions) | 3.5291% | 4,737 |
| Cash dividends to net income (ytd only)* | 116.6437% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 6,758 |
| Loan loss allowance to noncurrent loans | 475.7282% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 7,319 |
| Noncurrent loans to loans | 0.1897% | 7,040 |
| Net loans and leases to total assets | 54.4609% | 6,389 |
| Net loans and leases to deposits | 60.0346% | 6,885 |
| Net loans and leases to core deposits | 72.0589% | 6,891 |
| Total domestic deposits to total assets | 90.7159% | 552 |
| Equity capital to assets | 7.9533% | 6,808 |
| Core capital (leverage) ratio | 7.8826% | 6,516 |
| Tier 1 risk-based capital ratio | 14.2226% | 3,392 |
| Total risk-based capital ratio | 15.1515% | 3,514 |
| Memoranda: | ||
| Average total assets | $98,696,670 | 5,193 |
| Average earning assets | $91,575,000 | 5,139 |
| Average equity | $7,851,000 | 6,072 |
| Average total loans | $51,261,000 | 5,709 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2058% | 6,272 |
| Cost of funding earning assets | 0.8676% | 7,849 |
| Net interest margin | 4.3382% | 1,489 |
| Noninterest income to average assets | 0.5515% | 3,908 |
| Noninterest expense to average assets | 3.3780% | 2,421 |
| Loan and lease loss provision to assets | 0.0811% | 5,929 |
| Net operating income to assets | 1.1476% | 1,812 |
| Return on assets (ROA) | 1.1476% | 1,935 |
| Pretax return on assets | 1.1476% | 2,809 |
| Return on Equity (ROE) | 14.4259% | 1,085 |
| Retained earnings to average equity (ytd only) | -8.6657% | 6,980 |
| Net charge-offs to loans | 0.0563% | 4,683 |
| Credit loss provision to net charge-offs | 285.7143% | 1,685 |
| Earnings coverage of net charge-offs (x) | 43.2857% | 800 |
| Efficiency ratio | 73.3275% | 3,943 |
| Assets per employee ($millions) | 3.3038% | 5,315 |
| Cash dividends to net income (ytd only)* | 160.0707% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 6,379 |
| Loan loss allowance to noncurrent loans | 289.2216% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 7,016 |
| Noncurrent loans to loans | 0.3348% | 6,592 |
| Net loans and leases to total assets | 51.5531% | 6,724 |
| Net loans and leases to deposits | 57.2003% | 7,090 |
| Net loans and leases to core deposits | 67.1520% | 7,184 |
| Total domestic deposits to total assets | 90.1273% | 737 |
| Equity capital to assets | 8.0117% | 6,788 |
| Core capital (leverage) ratio | 7.8625% | 6,674 |
| Tier 1 risk-based capital ratio | 14.8403% | 3,141 |
| Total risk-based capital ratio | 15.8019% | 3,211 |
| Memoranda: | ||
| Average total assets | $98,638,000 | 5,218 |
| Average earning assets | $92,205,000 | 5,139 |
| Average equity | $7,847,000 | 6,110 |
| Average total loans | $49,739,000 | 5,806 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0582% | 5,260 |
| Cost of funding earning assets | 1.4376% | 7,699 |
| Net interest margin | 4.6206% | 1,124 |
| Noninterest income to average assets | 0.6063% | 3,798 |
| Noninterest expense to average assets | 2.8514% | 4,598 |
| Loan and lease loss provision to assets | 0.1101% | 5,962 |
| Net operating income to assets | 1.9410% | 401 |
| Return on assets (ROA) | 1.9680% | 367 |
| Pretax return on assets | 1.9680% | 666 |
| Return on Equity (ROE) | 25.0822% | 135 |
| Retained earnings to average equity (ytd only) | 0.8288% | 4,729 |
| Net charge-offs to loans | 0.0506% | 6,065 |
| Credit loss provision to net charge-offs | 440.0000% | 993 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 510 |
| Efficiency ratio | 58.1633% | 6,669 |
| Assets per employee ($millions) | 3.3822% | 4,986 |
| Cash dividends to net income (ytd only)* | 96.6955% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,409 |
| Loan loss allowance to noncurrent loans | 309.2105% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 6,972 |
| Noncurrent loans to loans | 0.3064% | 6,460 |
| Net loans and leases to total assets | 48.4221% | 7,157 |
| Net loans and leases to deposits | 53.9467% | 7,441 |
| Net loans and leases to core deposits | 62.5248% | 7,494 |
| Total domestic deposits to total assets | 89.7591% | 743 |
| Equity capital to assets | 7.9022% | 6,969 |
| Core capital (leverage) ratio | 7.9701% | 6,540 |
| Tier 1 risk-based capital ratio | 14.8957% | 3,096 |
| Total risk-based capital ratio | 15.8141% | 3,185 |
| Memoranda: | ||
| Average total assets | $99,950,200 | 5,047 |
| Average earning assets | $92,932,600 | 5,005 |
| Average equity | $7,842,200 | 6,155 |
| Average total loans | $49,401,000 | 5,728 |