Home > Cleo State Bank > Performance and Condition Ratios
Cleo State Bank, 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 | 5.1842% | 1,701 |
| Cost of funding earning assets | 1.5787% | 1,745 |
| Net interest margin | 3.6054% | 1,955 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.4749% | 2,361 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.2821% | 1,468 |
| Return on assets (ROA) | 1.2574% | 1,498 |
| Pretax return on assets | 1.2574% | 1,988 |
| Return on Equity (ROE) | 9.2500% | 2,695 |
| Retained earnings to average equity (ytd only) | -1.6757% | 4,241 |
| Net charge-offs to loans | 0.0878% | 991 |
| Credit loss provision to net charge-offs | 41.8605% | 2,227 |
| Earnings coverage of net charge-offs (x) | 31.8372% | 1,599 |
| Efficiency ratio | 65.5771% | 2,405 |
| Assets per employee ($millions) | 5.8923% | 2,907 |
| Cash dividends to net income (ytd only)* | 118.1132% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 2,829 |
| Loan loss allowance to noncurrent loans | 2,027.5862% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,500 |
| Noncurrent loans to loans | 0.0543% | 3,332 |
| Net loans and leases to total assets | 49.7600% | 3,612 |
| Net loans and leases to deposits | 57.8844% | 3,635 |
| Net loans and leases to core deposits | 70.4340% | 3,283 |
| Total domestic deposits to total assets | 85.9700% | 2,030 |
| Equity capital to assets | 13.9033% | 704 |
| Core capital (leverage) ratio | 15.8269% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $105,377,800 | 3,777 |
| Average earning assets | $101,347,000 | 3,733 |
| Average equity | $14,322,000 | 3,315 |
| Average total loans | $48,968,200 | 3,855 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 1,579 |
| Cost of funding earning assets | 1.4625% | 1,699 |
| Net interest margin | 3.6634% | 1,858 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.2609% | 2,914 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.5487% | 1,024 |
| Return on assets (ROA) | 1.5157% | 1,080 |
| Pretax return on assets | 1.5157% | 1,524 |
| Return on Equity (ROE) | 11.2200% | 2,320 |
| Retained earnings to average equity (ytd only) | -3.4608% | 4,379 |
| Net charge-offs to loans | 0.1393% | 587 |
| Credit loss provision to net charge-offs | 14.0000% | 2,025 |
| Earnings coverage of net charge-offs (x) | 24.5800% | 1,706 |
| Efficiency ratio | 59.2101% | 3,061 |
| Assets per employee ($millions) | 5.7198% | 2,997 |
| Cash dividends to net income (ytd only)* | 130.8528% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 2,812 |
| Loan loss allowance to noncurrent loans | 2,035.7143% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,552 |
| Noncurrent loans to loans | 0.0545% | 3,363 |
| Net loans and leases to total assets | 46.7400% | 3,795 |
| Net loans and leases to deposits | 53.5756% | 3,807 |
| Net loans and leases to core deposits | 63.6301% | 3,548 |
| Total domestic deposits to total assets | 87.2400% | 1,817 |
| Equity capital to assets | 12.6504% | 880 |
| Core capital (leverage) ratio | 15.6011% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $105,207,000 | 3,792 |
| Average earning assets | $101,286,750 | 3,745 |
| Average equity | $14,216,000 | 3,321 |
| Average total loans | $47,868,500 | 3,882 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 1,473 |
| Cost of funding earning assets | 1.2802% | 1,763 |
| Net interest margin | 3.7671% | 1,689 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.3296% | 2,716 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.5935% | 959 |
| Return on assets (ROA) | 1.5435% | 1,022 |
| Pretax return on assets | 1.5435% | 1,510 |
| Return on Equity (ROE) | 11.1700% | 2,380 |
| Retained earnings to average equity (ytd only) | -2.7414% | 4,334 |
| Net charge-offs to loans | 0.1927% | 413 |
| Credit loss provision to net charge-offs | 8.8889% | 1,799 |
| Earnings coverage of net charge-offs (x) | 18.5111% | 1,763 |
| Efficiency ratio | 59.2665% | 3,047 |
| Assets per employee ($millions) | 5.6545% | 3,019 |
| Cash dividends to net income (ytd only)* | 124.5330% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 2,766 |
| Loan loss allowance to noncurrent loans | 1,191.6667% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 3,325 |
| Noncurrent loans to loans | 0.0954% | 3,021 |
| Net loans and leases to total assets | 46.3000% | 3,779 |
| Net loans and leases to deposits | 53.4524% | 3,776 |
| Net loans and leases to core deposits | 63.1976% | 3,493 |
| Total domestic deposits to total assets | 86.6300% | 2,043 |
| Equity capital to assets | 13.2741% | 755 |
| Core capital (leverage) ratio | 15.6550% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $104,050,667 | 3,823 |
| Average earning assets | $100,449,333 | 3,769 |
| Average equity | $14,372,000 | 3,319 |
| Average total loans | $46,703,333 | 3,911 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 3,189 |
| Cost of funding earning assets | 0.8426% | 2,561 |
| Net interest margin | 3.2863% | 2,912 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.2665% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2232% | 1,878 |
| Return on assets (ROA) | 1.1215% | 2,124 |
| Pretax return on assets | 1.1215% | 2,654 |
| Return on Equity (ROE) | 7.9600% | 3,302 |
| Retained earnings to average equity (ytd only) | -19.7678% | 4,591 |
| Net charge-offs to loans | 0.2316% | 322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 12.0385% | 1,621 |
| Efficiency ratio | 64.9496% | 2,332 |
| Assets per employee ($millions) | 5.5596% | 3,157 |
| Cash dividends to net income (ytd only)* | 348.4321% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,181 |
| Loan loss allowance to noncurrent loans | 752.5641% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 3,096 |
| Noncurrent loans to loans | 0.1688% | 2,644 |
| Net loans and leases to total assets | 41.0200% | 3,999 |
| Net loans and leases to deposits | 47.1694% | 3,990 |
| Net loans and leases to core deposits | 54.8467% | 3,800 |
| Total domestic deposits to total assets | 86.9600% | 2,280 |
| Equity capital to assets | 12.9453% | 768 |
| Core capital (leverage) ratio | 16.3130% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $102,358,500 | 3,888 |
| Average earning assets | $99,688,000 | 3,826 |
| Average equity | $14,427,500 | 3,354 |
| Average total loans | $44,896,000 | 3,981 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 260 |
| Cost of funding earning assets | 0.2504% | 3,318 |
| Net interest margin | 4.8374% | 173 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.6330% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.3855% | 166 |
| Return on assets (ROA) | 2.3773% | 161 |
| Pretax return on assets | 2.3773% | 242 |
| Return on Equity (ROE) | 14.6200% | 1,361 |
| Retained earnings to average equity (ytd only) | 7.4248% | 2,058 |
| Net charge-offs to loans | -0.1308% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.4654% | 3,940 |
| Assets per employee ($millions) | 5.1959% | 3,518 |
| Cash dividends to net income (ytd only)* | 49.2160% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 1,477 |
| Loan loss allowance to noncurrent loans | 3,065.0000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,630 |
| Noncurrent loans to loans | 0.0459% | 3,422 |
| Net loans and leases to total assets | 45.9600% | 3,807 |
| Net loans and leases to deposits | 54.3807% | 3,660 |
| Net loans and leases to core deposits | 60.5926% | 3,474 |
| Total domestic deposits to total assets | 84.5100% | 3,102 |
| Equity capital to assets | 15.4620% | 429 |
| Core capital (leverage) ratio | 18.0543% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $96,582,000 | 3,957 |
| Average earning assets | $93,458,600 | 3,903 |
| Average equity | $15,704,200 | 3,306 |
| Average total loans | $40,506,000 | 4,056 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 139 |
| Cost of funding earning assets | 0.2339% | 2,883 |
| Net interest margin | 5.0753% | 111 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.4476% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.7900% | 120 |
| Return on assets (ROA) | 2.7790% | 116 |
| Pretax return on assets | 2.7790% | 162 |
| Return on Equity (ROE) | 16.8900% | 817 |
| Retained earnings to average equity (ytd only) | 7.4845% | 2,197 |
| Net charge-offs to loans | -0.3523% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.7312% | 4,341 |
| Assets per employee ($millions) | 5.7259% | 3,011 |
| Cash dividends to net income (ytd only)* | 55.6925% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 1,004 |
| Loan loss allowance to noncurrent loans | 1,231.4815% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,336 |
| Noncurrent loans to loans | 0.1329% | 2,971 |
| Net loans and leases to total assets | 41.0700% | 4,022 |
| Net loans and leases to deposits | 47.9996% | 3,951 |
| Net loans and leases to core deposits | 53.5105% | 3,775 |
| Total domestic deposits to total assets | 85.5600% | 3,158 |
| Equity capital to assets | 14.4225% | 515 |
| Core capital (leverage) ratio | 17.4586% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $97,346,000 | 3,978 |
| Average earning assets | $94,074,000 | 3,923 |
| Average equity | $16,015,000 | 3,316 |
| Average total loans | $39,733,750 | 4,083 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 142 |
| Cost of funding earning assets | 0.2278% | 2,534 |
| Net interest margin | 4.8993% | 113 |
| Noninterest income to average assets | 0.3328% | 3,165 |
| Noninterest expense to average assets | 2.5620% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.4983% | 110 |
| Return on assets (ROA) | 2.4983% | 107 |
| Pretax return on assets | 2.4983% | 166 |
| Return on Equity (ROE) | 14.5859% | 982 |
| Retained earnings to average equity (ytd only) | 7.8087% | 1,686 |
| Net charge-offs to loans | -0.2181% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6293% | 4,211 |
| Assets per employee ($millions) | 5.7875% | 2,935 |
| Cash dividends to net income (ytd only)* | 46.4638% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,247 |
| Loan loss allowance to noncurrent loans | 263.3188% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 2,155 |
| Noncurrent loans to loans | 0.5922% | 1,427 |
| Net loans and leases to total assets | 38.6901% | 4,135 |
| Net loans and leases to deposits | 45.8141% | 4,034 |
| Net loans and leases to core deposits | 50.7256% | 3,895 |
| Total domestic deposits to total assets | 84.4502% | 3,601 |
| Equity capital to assets | 15.5336% | 367 |
| Core capital (leverage) ratio | 17.0071% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,347,667 | 4,019 |
| Average earning assets | $93,931,333 | 3,969 |
| Average equity | $16,673,667 | 3,344 |
| Average total loans | $39,431,667 | 4,148 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 310 |
| Cost of funding earning assets | 0.2307% | 2,389 |
| Net interest margin | 4.2768% | 250 |
| Noninterest income to average assets | 0.3511% | 2,992 |
| Noninterest expense to average assets | 2.3630% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1234% | 178 |
| Return on assets (ROA) | 2.1234% | 177 |
| Pretax return on assets | 2.1234% | 288 |
| Return on Equity (ROE) | 11.8372% | 1,371 |
| Retained earnings to average equity (ytd only) | 11.8372% | 632 |
| Net charge-offs to loans | -0.4220% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6703% | 4,146 |
| Assets per employee ($millions) | 5.8468% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,743 |
| Loan loss allowance to noncurrent loans | 257.2650% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 2,233 |
| Noncurrent loans to loans | 0.5612% | 1,636 |
| Net loans and leases to total assets | 41.3421% | 3,933 |
| Net loans and leases to deposits | 49.9447% | 3,732 |
| Net loans and leases to core deposits | 55.9227% | 3,451 |
| Total domestic deposits to total assets | 82.7758% | 3,967 |
| Equity capital to assets | 17.2011% | 258 |
| Core capital (leverage) ratio | 17.5149% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,828,000 | 4,035 |
| Average earning assets | $93,621,000 | 3,990 |
| Average equity | $17,369,000 | 3,369 |
| Average total loans | $39,813,000 | 4,158 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 427 |
| Cost of funding earning assets | 0.2413% | 3,037 |
| Net interest margin | 4.4505% | 300 |
| Noninterest income to average assets | 0.5055% | 2,539 |
| Noninterest expense to average assets | 2.4481% | 2,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.3624% | 188 |
| Return on assets (ROA) | 2.3067% | 215 |
| Pretax return on assets | 2.3067% | 342 |
| Return on Equity (ROE) | 12.0331% | 1,807 |
| Retained earnings to average equity (ytd only) | 2.9552% | 3,644 |
| Net charge-offs to loans | -0.2353% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8905% | 4,214 |
| Assets per employee ($millions) | 5.5448% | 3,218 |
| Cash dividends to net income (ytd only)* | 75.4410% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 1,646 |
| Loan loss allowance to noncurrent loans | 173.9130% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 1,860 |
| Noncurrent loans to loans | 0.8489% | 1,195 |
| Net loans and leases to total assets | 39.6474% | 4,111 |
| Net loans and leases to deposits | 48.8440% | 3,954 |
| Net loans and leases to core deposits | 54.7728% | 3,704 |
| Total domestic deposits to total assets | 81.1714% | 4,083 |
| Equity capital to assets | 18.7151% | 227 |
| Core capital (leverage) ratio | 18.6313% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,379,800 | 4,064 |
| Average earning assets | $90,326,200 | 4,017 |
| Average equity | $17,900,600 | 3,395 |
| Average total loans | $36,555,600 | 4,257 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 378 |
| Cost of funding earning assets | 0.2428% | 3,189 |
| Net interest margin | 4.6096% | 259 |
| Noninterest income to average assets | 0.4193% | 2,984 |
| Noninterest expense to average assets | 2.2370% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.6391% | 185 |
| Return on assets (ROA) | 2.6391% | 188 |
| Pretax return on assets | 2.6391% | 272 |
| Return on Equity (ROE) | 13.6851% | 1,485 |
| Retained earnings to average equity (ytd only) | 7.9335% | 2,072 |
| Net charge-offs to loans | -0.1620% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8761% | 4,511 |
| Assets per employee ($millions) | 6.0023% | 2,694 |
| Cash dividends to net income (ytd only)* | 42.0282% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 1,805 |
| Loan loss allowance to noncurrent loans | 90.5594% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 1,208 |
| Noncurrent loans to loans | 1.6042% | 638 |
| Net loans and leases to total assets | 36.5880% | 4,358 |
| Net loans and leases to deposits | 45.3084% | 4,262 |
| Net loans and leases to core deposits | 50.5961% | 4,101 |
| Total domestic deposits to total assets | 80.7533% | 4,123 |
| Equity capital to assets | 19.1364% | 224 |
| Core capital (leverage) ratio | 18.1499% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,159,500 | 4,116 |
| Average earning assets | $90,070,000 | 4,065 |
| Average equity | $17,965,500 | 3,430 |
| Average total loans | $36,211,500 | 4,323 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 432 |
| Cost of funding earning assets | 0.2472% | 3,302 |
| Net interest margin | 4.6159% | 298 |
| Noninterest income to average assets | 0.4273% | 2,967 |
| Noninterest expense to average assets | 2.2820% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.6009% | 192 |
| Return on assets (ROA) | 2.6009% | 206 |
| Pretax return on assets | 2.6009% | 304 |
| Return on Equity (ROE) | 13.4508% | 1,581 |
| Retained earnings to average equity (ytd only) | 9.5243% | 1,545 |
| Net charge-offs to loans | -0.7034% | 4,885 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7348% | 4,481 |
| Assets per employee ($millions) | 5.5968% | 3,021 |
| Cash dividends to net income (ytd only)* | 29.1910% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,127 |
| Loan loss allowance to noncurrent loans | 56.2092% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.1257% | 633 |
| Noncurrent loans to loans | 2.9676% | 246 |
| Net loans and leases to total assets | 37.2989% | 4,415 |
| Net loans and leases to deposits | 46.2216% | 4,301 |
| Net loans and leases to core deposits | 50.2862% | 4,227 |
| Total domestic deposits to total assets | 80.6958% | 4,127 |
| Equity capital to assets | 19.1960% | 219 |
| Core capital (leverage) ratio | 18.0836% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,200,333 | 4,149 |
| Average earning assets | $88,996,333 | 4,102 |
| Average equity | $17,828,000 | 3,445 |
| Average total loans | $36,396,667 | 4,348 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 722 |
| Cost of funding earning assets | 0.2611% | 3,369 |
| Net interest margin | 4.2928% | 523 |
| Noninterest income to average assets | 0.4453% | 2,845 |
| Noninterest expense to average assets | 2.2617% | 2,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3146% | 352 |
| Return on assets (ROA) | 2.3146% | 378 |
| Pretax return on assets | 2.3146% | 577 |
| Return on Equity (ROE) | 11.9250% | 2,047 |
| Retained earnings to average equity (ytd only) | 3.9750% | 3,510 |
| Net charge-offs to loans | -2.4733% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4220% | 4,234 |
| Assets per employee ($millions) | 5.8061% | 2,791 |
| Cash dividends to net income (ytd only)* | 66.6667% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 891 |
| Loan loss allowance to noncurrent loans | 65.7277% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 666 |
| Noncurrent loans to loans | 2.7209% | 319 |
| Net loans and leases to total assets | 41.3802% | 4,274 |
| Net loans and leases to deposits | 51.1524% | 4,096 |
| Net loans and leases to core deposits | 55.7342% | 3,990 |
| Total domestic deposits to total assets | 80.8960% | 4,075 |
| Equity capital to assets | 18.9866% | 224 |
| Core capital (leverage) ratio | 18.0227% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,728,000 | 4,176 |
| Average earning assets | $87,308,500 | 4,130 |
| Average equity | $17,610,000 | 3,462 |
| Average total loans | $36,550,000 | 4,366 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 3,457 |
| Cost of funding earning assets | 0.4108% | 3,514 |
| Net interest margin | 3.3360% | 2,967 |
| Noninterest income to average assets | 0.4281% | 2,973 |
| Noninterest expense to average assets | 2.5629% | 2,664 |
| Loan and lease loss provision to assets | 0.3999% | 786 |
| Net operating income to assets | 0.6579% | 3,566 |
| Return on assets (ROA) | 0.6579% | 3,692 |
| Pretax return on assets | 0.6579% | 3,968 |
| Return on Equity (ROE) | 3.4351% | 4,279 |
| Retained earnings to average equity (ytd only) | 1.3764% | 4,074 |
| Net charge-offs to loans | 1.0263% | 129 |
| Credit loss provision to net charge-offs | 106.2874% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.8114% | 3,130 |
| Efficiency ratio | 70.7841% | 1,837 |
| Assets per employee ($millions) | 5.2094% | 3,139 |
| Cash dividends to net income (ytd only)* | 59.9315% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 1,988 |
| Loan loss allowance to noncurrent loans | 48.5656% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 2.0201% | 276 |
| Noncurrent loans to loans | 2.8741% | 315 |
| Net loans and leases to total assets | 37.8110% | 4,528 |
| Net loans and leases to deposits | 47.1919% | 4,424 |
| Net loans and leases to core deposits | 51.4718% | 4,371 |
| Total domestic deposits to total assets | 80.1217% | 4,023 |
| Equity capital to assets | 19.8534% | 206 |
| Core capital (leverage) ratio | 17.9197% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,766,800 | 4,131 |
| Average earning assets | $84,951,200 | 4,089 |
| Average equity | $17,001,200 | 3,452 |
| Average total loans | $32,543,000 | 4,468 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 3,477 |
| Cost of funding earning assets | 0.4377% | 3,596 |
| Net interest margin | 3.3916% | 2,949 |
| Noninterest income to average assets | 0.4263% | 2,954 |
| Noninterest expense to average assets | 2.4394% | 3,027 |
| Loan and lease loss provision to assets | 0.2252% | 1,802 |
| Net operating income to assets | 1.0073% | 2,313 |
| Return on assets (ROA) | 1.0073% | 2,443 |
| Pretax return on assets | 1.0073% | 3,046 |
| Return on Equity (ROE) | 5.3076% | 3,790 |
| Retained earnings to average equity (ytd only) | 2.5391% | 3,717 |
| Net charge-offs to loans | 0.8450% | 158 |
| Credit loss provision to net charge-offs | 73.5294% | 2,793 |
| Earnings coverage of net charge-offs (x) | 4.0245% | 2,862 |
| Efficiency ratio | 66.4350% | 2,408 |
| Assets per employee ($millions) | 5.2583% | 2,938 |
| Cash dividends to net income (ytd only)* | 52.1610% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,389 |
| Loan loss allowance to noncurrent loans | 33.6142% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.2888% | 250 |
| Noncurrent loans to loans | 3.7219% | 192 |
| Net loans and leases to total assets | 35.2306% | 4,709 |
| Net loans and leases to deposits | 43.8499% | 4,664 |
| Net loans and leases to core deposits | 47.7413% | 4,632 |
| Total domestic deposits to total assets | 80.3437% | 3,794 |
| Equity capital to assets | 19.6273% | 221 |
| Core capital (leverage) ratio | 18.0945% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,818,750 | 4,137 |
| Average earning assets | $84,991,000 | 4,099 |
| Average equity | $16,856,000 | 3,467 |
| Average total loans | $32,189,000 | 4,504 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8248% | 3,798 |
| Cost of funding earning assets | 0.4554% | 3,764 |
| Net interest margin | 3.3694% | 3,191 |
| Noninterest income to average assets | 0.4355% | 2,877 |
| Noninterest expense to average assets | 2.4056% | 3,252 |
| Loan and lease loss provision to assets | 0.2031% | 2,026 |
| Net operating income to assets | 1.0493% | 2,153 |
| Return on assets (ROA) | 1.0493% | 2,287 |
| Pretax return on assets | 1.0493% | 2,874 |
| Return on Equity (ROE) | 5.5935% | 3,634 |
| Retained earnings to average equity (ytd only) | 1.3833% | 3,977 |
| Net charge-offs to loans | -0.0805% | 4,806 |
| Credit loss provision to net charge-offs | -692.3077% | 3,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7619% | 2,558 |
| Assets per employee ($millions) | 5.3888% | 2,748 |
| Cash dividends to net income (ytd only)* | 75.2688% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7174% | 786 |
| Loan loss allowance to noncurrent loans | 31.2711% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 2.8785% | 176 |
| Noncurrent loans to loans | 5.4921% | 89 |
| Net loans and leases to total assets | 34.7320% | 4,760 |
| Net loans and leases to deposits | 42.7477% | 4,729 |
| Net loans and leases to core deposits | 46.3090% | 4,707 |
| Total domestic deposits to total assets | 81.2488% | 3,550 |
| Equity capital to assets | 18.7207% | 250 |
| Core capital (leverage) ratio | 17.7493% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,628,000 | 4,147 |
| Average earning assets | $84,762,000 | 4,101 |
| Average equity | $16,626,333 | 3,489 |
| Average total loans | $32,288,000 | 4,520 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9878% | 3,822 |
| Cost of funding earning assets | 0.4853% | 4,008 |
| Net interest margin | 3.5025% | 2,977 |
| Noninterest income to average assets | 0.4774% | 2,665 |
| Noninterest expense to average assets | 2.3641% | 3,618 |
| Loan and lease loss provision to assets | 0.1377% | 2,008 |
| Net operating income to assets | 1.3221% | 1,183 |
| Return on assets (ROA) | 1.3221% | 1,277 |
| Pretax return on assets | 1.3221% | 1,806 |
| Return on Equity (ROE) | 7.0396% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.0396% | 1,522 |
| Net charge-offs to loans | -0.0372% | 4,544 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8247% | 3,518 |
| Assets per employee ($millions) | 5.1812% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,542 |
| Loan loss allowance to noncurrent loans | 26.9850% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 3.0199% | 195 |
| Noncurrent loans to loans | 5.3460% | 104 |
| Net loans and leases to total assets | 37.6960% | 4,735 |
| Net loans and leases to deposits | 46.4742% | 4,707 |
| Net loans and leases to core deposits | 50.7358% | 4,657 |
| Total domestic deposits to total assets | 81.1117% | 3,639 |
| Equity capital to assets | 18.8383% | 298 |
| Core capital (leverage) ratio | 19.4888% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,137,000 | 4,173 |
| Average earning assets | $83,254,500 | 4,120 |
| Average equity | $16,364,500 | 3,525 |
| Average total loans | $32,245,000 | 4,557 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 4,557 |
| Cost of funding earning assets | 0.4548% | 4,257 |
| Net interest margin | 3.3531% | 3,867 |
| Noninterest income to average assets | 0.4635% | 2,935 |
| Noninterest expense to average assets | 2.6898% | 2,916 |
| Loan and lease loss provision to assets | 0.2329% | 820 |
| Net operating income to assets | 0.7900% | 3,584 |
| Return on assets (ROA) | 0.7900% | 3,662 |
| Pretax return on assets | 0.7900% | 3,991 |
| Return on Equity (ROE) | 4.4251% | 4,362 |
| Retained earnings to average equity (ytd only) | 4.4251% | 2,746 |
| Net charge-offs to loans | 0.7943% | 212 |
| Credit loss provision to net charge-offs | 85.3556% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.7490% | 3,289 |
| Efficiency ratio | 72.4477% | 1,801 |
| Assets per employee ($millions) | 5.7462% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 1,302 |
| Loan loss allowance to noncurrent loans | 23.6060% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 3.2230% | 159 |
| Noncurrent loans to loans | 6.2303% | 63 |
| Net loans and leases to total assets | 35.2094% | 4,864 |
| Net loans and leases to deposits | 43.3438% | 4,841 |
| Net loans and leases to core deposits | 46.8145% | 4,817 |
| Total domestic deposits to total assets | 81.2328% | 3,717 |
| Equity capital to assets | 18.7208% | 316 |
| Core capital (leverage) ratio | 18.0829% | 335 |
| Tier 1 risk-based capital ratio | 42.4845% | 208 |
| Total risk-based capital ratio | 43.7016% | 200 |
| Memoranda: | ||
| Average total assets | $87,591,200 | 4,173 |
| Average earning assets | $84,876,600 | 4,112 |
| Average equity | $15,638,200 | 3,578 |
| Average total loans | $30,089,800 | 4,641 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 4,645 |
| Cost of funding earning assets | 0.4481% | 4,333 |
| Net interest margin | 3.3758% | 3,929 |
| Noninterest income to average assets | 0.4579% | 2,973 |
| Noninterest expense to average assets | 2.5183% | 3,385 |
| Loan and lease loss provision to assets | 0.1895% | 944 |
| Net operating income to assets | 1.0279% | 2,872 |
| Return on assets (ROA) | 1.0279% | 2,947 |
| Pretax return on assets | 1.0279% | 3,503 |
| Return on Equity (ROE) | 5.8270% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.8270% | 2,448 |
| Net charge-offs to loans | 0.7399% | 214 |
| Credit loss provision to net charge-offs | 75.3012% | 2,563 |
| Earnings coverage of net charge-offs (x) | 4.8373% | 2,972 |
| Efficiency ratio | 67.4107% | 2,512 |
| Assets per employee ($millions) | 5.7945% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 945 |
| Loan loss allowance to noncurrent loans | 16.3736% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 3.1409% | 171 |
| Noncurrent loans to loans | 9.9284% | 27 |
| Net loans and leases to total assets | 31.1216% | 5,038 |
| Net loans and leases to deposits | 38.2597% | 5,030 |
| Net loans and leases to core deposits | 41.2832% | 5,005 |
| Total domestic deposits to total assets | 81.3431% | 3,654 |
| Equity capital to assets | 18.6166% | 339 |
| Core capital (leverage) ratio | 18.2226% | 336 |
| Tier 1 risk-based capital ratio | 46.2185% | 166 |
| Total risk-based capital ratio | 47.4678% | 162 |
| Memoranda: | ||
| Average total assets | $87,940,750 | 4,227 |
| Average earning assets | $85,390,750 | 4,157 |
| Average equity | $15,513,750 | 3,626 |
| Average total loans | $29,912,000 | 4,705 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 4,620 |
| Cost of funding earning assets | 0.4290% | 4,399 |
| Net interest margin | 3.4323% | 3,795 |
| Noninterest income to average assets | 0.4214% | 3,125 |
| Noninterest expense to average assets | 2.4739% | 3,563 |
| Loan and lease loss provision to assets | 0.2832% | 513 |
| Net operating income to assets | 0.9991% | 2,927 |
| Return on assets (ROA) | 0.9991% | 2,994 |
| Pretax return on assets | 0.9991% | 3,556 |
| Return on Equity (ROE) | 5.7680% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.7680% | 2,389 |
| Net charge-offs to loans | 0.5014% | 312 |
| Credit loss provision to net charge-offs | 162.3377% | 1,407 |
| Earnings coverage of net charge-offs (x) | 7.3506% | 2,498 |
| Efficiency ratio | 65.8625% | 2,824 |
| Assets per employee ($millions) | 5.8436% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8483% | 624 |
| Loan loss allowance to noncurrent loans | 14.9428% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 4.0922% | 109 |
| Noncurrent loans to loans | 12.3690% | 18 |
| Net loans and leases to total assets | 32.4731% | 5,060 |
| Net loans and leases to deposits | 39.6589% | 5,058 |
| Net loans and leases to core deposits | 42.7342% | 5,032 |
| Total domestic deposits to total assets | 81.8810% | 3,552 |
| Equity capital to assets | 18.0825% | 371 |
| Core capital (leverage) ratio | 17.5630% | 376 |
| Tier 1 risk-based capital ratio | 45.4339% | 170 |
| Total risk-based capital ratio | 46.6865% | 170 |
| Memoranda: | ||
| Average total assets | $88,282,000 | 4,248 |
| Average earning assets | $85,773,000 | 4,180 |
| Average equity | $15,291,330 | 3,654 |
| Average total loans | $30,717,000 | 4,721 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8856% | 4,574 |
| Cost of funding earning assets | 0.4230% | 4,389 |
| Net interest margin | 3.4626% | 3,708 |
| Noninterest income to average assets | 0.4199% | 3,055 |
| Noninterest expense to average assets | 2.2620% | 4,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5215% | 1,068 |
| Return on assets (ROA) | 1.5215% | 1,092 |
| Pretax return on assets | 1.5215% | 1,697 |
| Return on Equity (ROE) | 8.9795% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.9795% | 1,328 |
| Net charge-offs to loans | 0.2534% | 572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 16.8500% | 1,681 |
| Efficiency ratio | 59.7852% | 3,842 |
| Assets per employee ($millions) | 5.9888% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,383 |
| Loan loss allowance to noncurrent loans | 18.3170% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.8442% | 231 |
| Noncurrent loans to loans | 8.1011% | 44 |
| Net loans and leases to total assets | 34.5879% | 5,056 |
| Net loans and leases to deposits | 41.7744% | 5,043 |
| Net loans and leases to core deposits | 45.5106% | 5,008 |
| Total domestic deposits to total assets | 82.7968% | 3,460 |
| Equity capital to assets | 17.1687% | 431 |
| Core capital (leverage) ratio | 17.4642% | 378 |
| Tier 1 risk-based capital ratio | 40.2803% | 233 |
| Total risk-based capital ratio | 41.4970% | 229 |
| Memoranda: | ||
| Average total assets | $88,596,000 | 4,285 |
| Average earning assets | $86,062,000 | 4,218 |
| Average equity | $15,012,000 | 3,698 |
| Average total loans | $31,575,500 | 4,759 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 4,491 |
| Cost of funding earning assets | 0.2905% | 4,613 |
| Net interest margin | 3.5095% | 3,674 |
| Noninterest income to average assets | 0.4726% | 2,983 |
| Noninterest expense to average assets | 2.3369% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5335% | 1,036 |
| Return on assets (ROA) | 0.0203% | 5,218 |
| Pretax return on assets | 0.0203% | 5,218 |
| Return on Equity (ROE) | 0.1249% | 5,221 |
| Retained earnings to average equity (ytd only) | 0.1249% | 4,948 |
| Net charge-offs to loans | 0.2549% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 17.4744% | 2,197 |
| Efficiency ratio | 60.3779% | 3,791 |
| Assets per employee ($millions) | 5.8240% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 1,166 |
| Loan loss allowance to noncurrent loans | 18.6973% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.9876% | 212 |
| Noncurrent loans to loans | 8.2564% | 44 |
| Net loans and leases to total assets | 35.6273% | 5,074 |
| Net loans and leases to deposits | 42.7904% | 5,056 |
| Net loans and leases to core deposits | 46.2480% | 5,028 |
| Total domestic deposits to total assets | 83.2601% | 3,239 |
| Equity capital to assets | 16.7136% | 442 |
| Core capital (leverage) ratio | 16.8544% | 423 |
| Tier 1 risk-based capital ratio | 39.1557% | 243 |
| Total risk-based capital ratio | 40.4061% | 241 |
| Memoranda: | ||
| Average total assets | $88,879,000 | 4,292 |
| Average earning assets | $86,051,200 | 4,218 |
| Average equity | $14,412,000 | 3,705 |
| Average total loans | $30,603,800 | 4,807 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 4,453 |
| Cost of funding earning assets | 0.2640% | 4,711 |
| Net interest margin | 3.5300% | 3,595 |
| Noninterest income to average assets | 0.4646% | 3,070 |
| Noninterest expense to average assets | 2.1122% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7671% | 641 |
| Return on assets (ROA) | 0.2808% | 5,107 |
| Pretax return on assets | 0.2808% | 5,154 |
| Return on Equity (ROE) | 1.7450% | 5,158 |
| Retained earnings to average equity (ytd only) | 1.7450% | 4,656 |
| Net charge-offs to loans | 0.4305% | 371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 12.0717% | 2,473 |
| Efficiency ratio | 54.4474% | 4,567 |
| Assets per employee ($millions) | 5.9428% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 905 |
| Loan loss allowance to noncurrent loans | 18.9397% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 2.7720% | 287 |
| Noncurrent loans to loans | 8.8840% | 40 |
| Net loans and leases to total assets | 30.6769% | 5,265 |
| Net loans and leases to deposits | 36.6347% | 5,264 |
| Net loans and leases to core deposits | 39.2914% | 5,249 |
| Total domestic deposits to total assets | 83.7372% | 3,036 |
| Equity capital to assets | 16.2404% | 495 |
| Core capital (leverage) ratio | 16.3089% | 477 |
| Tier 1 risk-based capital ratio | 31.0022% | 432 |
| Total risk-based capital ratio | 31.9489% | 439 |
| Memoranda: | ||
| Average total assets | $89,258,750 | 4,321 |
| Average earning assets | $86,344,000 | 4,261 |
| Average equity | $14,364,750 | 3,739 |
| Average total loans | $30,351,750 | 4,861 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 4,318 |
| Cost of funding earning assets | 0.2409% | 4,796 |
| Net interest margin | 3.5695% | 3,411 |
| Noninterest income to average assets | 0.4748% | 3,006 |
| Noninterest expense to average assets | 2.0269% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8993% | 474 |
| Return on assets (ROA) | -0.8399% | 5,461 |
| Pretax return on assets | -0.8399% | 5,460 |
| Return on Equity (ROE) | -5.2348% | 5,440 |
| Retained earnings to average equity (ytd only) | -5.2348% | 5,302 |
| Net charge-offs to loans | 0.7052% | 205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.7091% | 2,530 |
| Efficiency ratio | 51.6258% | 4,928 |
| Assets per employee ($millions) | 5.9845% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,117 |
| Loan loss allowance to noncurrent loans | 17.5452% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 2.8952% | 266 |
| Noncurrent loans to loans | 9.1008% | 34 |
| Net loans and leases to total assets | 31.3051% | 5,300 |
| Net loans and leases to deposits | 37.1302% | 5,303 |
| Net loans and leases to core deposits | 39.4713% | 5,294 |
| Total domestic deposits to total assets | 84.3118% | 2,955 |
| Equity capital to assets | 15.6715% | 559 |
| Core capital (leverage) ratio | 16.2692% | 465 |
| Tier 1 risk-based capital ratio | 23.3987% | 898 |
| Total risk-based capital ratio | 24.1199% | 928 |
| Memoranda: | ||
| Average total assets | $89,297,670 | 4,359 |
| Average earning assets | $86,341,670 | 4,288 |
| Average equity | $14,327,330 | 3,761 |
| Average total loans | $31,197,670 | 4,895 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 3,744 |
| Cost of funding earning assets | 0.2142% | 4,932 |
| Net interest margin | 3.7493% | 2,615 |
| Noninterest income to average assets | 0.4312% | 3,232 |
| Noninterest expense to average assets | 2.0435% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0031% | 374 |
| Return on assets (ROA) | 1.1632% | 2,178 |
| Pretax return on assets | 1.1632% | 2,916 |
| Return on Equity (ROE) | 7.1661% | 3,715 |
| Retained earnings to average equity (ytd only) | 7.1661% | 2,201 |
| Net charge-offs to loans | 0.1353% | 997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 40.5455% | 1,059 |
| Efficiency ratio | 50.4994% | 5,058 |
| Assets per employee ($millions) | 4.9629% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 892 |
| Loan loss allowance to noncurrent loans | 23.6674% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.6250% | 339 |
| Noncurrent loans to loans | 7.3206% | 60 |
| Net loans and leases to total assets | 35.2367% | 5,235 |
| Net loans and leases to deposits | 41.9847% | 5,220 |
| Net loans and leases to core deposits | 44.4661% | 5,197 |
| Total domestic deposits to total assets | 83.9276% | 3,352 |
| Equity capital to assets | 16.0590% | 479 |
| Core capital (leverage) ratio | 17.2228% | 358 |
| Tier 1 risk-based capital ratio | 50.2562% | 129 |
| Total risk-based capital ratio | 51.5161% | 126 |
| Memoranda: | ||
| Average total assets | $89,062,500 | 4,413 |
| Average earning assets | $85,882,000 | 4,347 |
| Average equity | $14,457,000 | 3,781 |
| Average total loans | $32,517,500 | 4,904 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 3,683 |
| Cost of funding earning assets | 0.1955% | 4,982 |
| Net interest margin | 3.7167% | 2,734 |
| Noninterest income to average assets | 0.4795% | 3,127 |
| Noninterest expense to average assets | 2.1696% | 4,599 |
| Loan and lease loss provision to assets | 1.5496% | 52 |
| Net operating income to assets | 0.3444% | 4,841 |
| Return on assets (ROA) | 0.3073% | 4,929 |
| Pretax return on assets | 0.3073% | 5,202 |
| Return on Equity (ROE) | 1.8485% | 5,090 |
| Retained earnings to average equity (ytd only) | -1.2126% | 5,204 |
| Net charge-offs to loans | 7.1208% | 8 |
| Credit loss provision to net charge-offs | 57.2464% | 3,245 |
| Earnings coverage of net charge-offs (x) | 0.6997% | 3,974 |
| Efficiency ratio | 53.3923% | 4,999 |
| Assets per employee ($millions) | 5.5495% | 1,890 |
| Cash dividends to net income (ytd only)* | 165.6028% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 909 |
| Loan loss allowance to noncurrent loans | 19.0524% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 3.3517% | 207 |
| Noncurrent loans to loans | 9.0176% | 31 |
| Net loans and leases to total assets | 36.5292% | 5,269 |
| Net loans and leases to deposits | 44.8270% | 5,223 |
| Net loans and leases to core deposits | 47.5761% | 5,204 |
| Total domestic deposits to total assets | 81.4893% | 3,999 |
| Equity capital to assets | 16.4069% | 467 |
| Core capital (leverage) ratio | 16.6247% | 401 |
| Tier 1 risk-based capital ratio | 16.7937% | 2,162 |
| Total risk-based capital ratio | 17.4216% | 2,309 |
| Memoranda: | ||
| Average total assets | $91,766,400 | 4,393 |
| Average earning assets | $88,492,400 | 4,324 |
| Average equity | $15,256,000 | 3,690 |
| Average total loans | $34,883,800 | 4,874 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 3,658 |
| Cost of funding earning assets | 0.1883% | 5,067 |
| Net interest margin | 3.7207% | 2,685 |
| Noninterest income to average assets | 0.4785% | 3,161 |
| Noninterest expense to average assets | 2.0682% | 4,802 |
| Loan and lease loss provision to assets | 0.3228% | 470 |
| Net operating income to assets | 1.6762% | 611 |
| Return on assets (ROA) | 1.6272% | 689 |
| Pretax return on assets | 1.6272% | 1,321 |
| Return on Equity (ROE) | 9.7569% | 2,227 |
| Retained earnings to average equity (ytd only) | 5.7210% | 2,420 |
| Net charge-offs to loans | 3.9447% | 29 |
| Credit loss provision to net charge-offs | 21.4149% | 3,147 |
| Earnings coverage of net charge-offs (x) | 1.3260% | 3,581 |
| Efficiency ratio | 50.8505% | 5,190 |
| Assets per employee ($millions) | 5.7667% | 1,677 |
| Cash dividends to net income (ytd only)* | 41.3638% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5137% | 259 |
| Loan loss allowance to noncurrent loans | 20.0696% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 4.3580% | 144 |
| Noncurrent loans to loans | 12.5249% | 15 |
| Net loans and leases to total assets | 33.9200% | 5,417 |
| Net loans and leases to deposits | 41.0808% | 5,383 |
| Net loans and leases to core deposits | 43.4717% | 5,378 |
| Total domestic deposits to total assets | 82.5691% | 3,594 |
| Equity capital to assets | 17.4190% | 385 |
| Core capital (leverage) ratio | 17.2074% | 365 |
| Tier 1 risk-based capital ratio | 16.9972% | 2,154 |
| Total risk-based capital ratio | 17.8552% | 2,237 |
| Memoranda: | ||
| Average total assets | $92,510,000 | 4,419 |
| Average earning assets | $89,227,500 | 4,343 |
| Average equity | $15,428,000 | 3,697 |
| Average total loans | $35,354,250 | 4,909 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,153 |
| Cost of funding earning assets | 0.1661% | 5,234 |
| Net interest margin | 3.8507% | 2,092 |
| Noninterest income to average assets | 0.5638% | 2,639 |
| Noninterest expense to average assets | 1.9916% | 4,990 |
| Loan and lease loss provision to assets | 0.0346% | 3,301 |
| Net operating income to assets | 2.2443% | 196 |
| Return on assets (ROA) | 2.1644% | 232 |
| Pretax return on assets | 2.1644% | 381 |
| Return on Equity (ROE) | 13.1727% | 992 |
| Retained earnings to average equity (ytd only) | 7.0333% | 1,582 |
| Net charge-offs to loans | 5.6096% | 16 |
| Credit loss provision to net charge-offs | 1.5656% | 2,896 |
| Earnings coverage of net charge-offs (x) | 1.0323% | 3,329 |
| Efficiency ratio | 46.6363% | 5,448 |
| Assets per employee ($millions) | 6.2583% | 1,281 |
| Cash dividends to net income (ytd only)* | 46.6068% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7648% | 956 |
| Loan loss allowance to noncurrent loans | 46.8421% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.4168% | 1,112 |
| Noncurrent loans to loans | 3.7675% | 275 |
| Net loans and leases to total assets | 36.9421% | 5,338 |
| Net loans and leases to deposits | 45.3581% | 5,302 |
| Net loans and leases to core deposits | 48.1680% | 5,279 |
| Total domestic deposits to total assets | 81.4453% | 4,062 |
| Equity capital to assets | 17.2060% | 388 |
| Core capital (leverage) ratio | 17.2177% | 354 |
| Tier 1 risk-based capital ratio | 17.3271% | 2,057 |
| Total risk-based capital ratio | 17.9835% | 2,186 |
| Memoranda: | ||
| Average total assets | $92,591,000 | 4,449 |
| Average earning assets | $89,127,000 | 4,373 |
| Average equity | $15,213,330 | 3,735 |
| Average total loans | $36,437,670 | 4,916 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,172 |
| Cost of funding earning assets | 0.1699% | 5,242 |
| Net interest margin | 4.0588% | 1,320 |
| Noninterest income to average assets | 0.5014% | 2,972 |
| Noninterest expense to average assets | 1.8812% | 5,258 |
| Loan and lease loss provision to assets | 0.0129% | 3,398 |
| Net operating income to assets | 2.4983% | 134 |
| Return on assets (ROA) | 2.4983% | 137 |
| Pretax return on assets | 2.4983% | 214 |
| Return on Equity (ROE) | 14.4513% | 734 |
| Retained earnings to average equity (ytd only) | 2.8754% | 3,979 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8293% | 5,631 |
| Assets per employee ($millions) | 6.3229% | 1,279 |
| Cash dividends to net income (ytd only)* | 80.1029% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6355% | 5,422 |
| Loan loss allowance to noncurrent loans | 20.2200% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 1,387 |
| Noncurrent loans to loans | 3.1431% | 418 |
| Net loans and leases to total assets | 39.3984% | 5,270 |
| Net loans and leases to deposits | 47.6280% | 5,237 |
| Net loans and leases to core deposits | 50.3979% | 5,206 |
| Total domestic deposits to total assets | 82.7211% | 3,939 |
| Equity capital to assets | 17.2694% | 359 |
| Core capital (leverage) ratio | 17.7532% | 306 |
| Tier 1 risk-based capital ratio | 17.6130% | 1,999 |
| Total risk-based capital ratio | 17.8630% | 2,277 |
| Memoranda: | ||
| Average total assets | $93,342,500 | 4,475 |
| Average earning assets | $89,485,500 | 4,410 |
| Average equity | $16,137,000 | 3,645 |
| Average total loans | $37,005,500 | 4,943 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,857 |
| Cost of funding earning assets | 0.1733% | 5,261 |
| Net interest margin | 3.9258% | 1,877 |
| Noninterest income to average assets | 0.4850% | 3,325 |
| Noninterest expense to average assets | 2.0588% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.1829% | 232 |
| Return on assets (ROA) | 2.4092% | 168 |
| Pretax return on assets | 2.4092% | 229 |
| Return on Equity (ROE) | 13.5330% | 864 |
| Retained earnings to average equity (ytd only) | 3.8197% | 3,203 |
| Net charge-offs to loans | 0.0738% | 2,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 83.7200% | 691 |
| Efficiency ratio | 48.5370% | 5,549 |
| Assets per employee ($millions) | 5.7401% | 1,668 |
| Cash dividends to net income (ytd only)* | 71.7749% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6483% | 5,451 |
| Loan loss allowance to noncurrent loans | 23.8143% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.0790% | 1,743 |
| Noncurrent loans to loans | 2.7222% | 548 |
| Net loans and leases to total assets | 39.3822% | 5,342 |
| Net loans and leases to deposits | 47.6303% | 5,314 |
| Net loans and leases to core deposits | 50.0242% | 5,300 |
| Total domestic deposits to total assets | 82.6831% | 3,866 |
| Equity capital to assets | 17.3071% | 352 |
| Core capital (leverage) ratio | 17.9599% | 290 |
| Tier 1 risk-based capital ratio | 18.1674% | 1,811 |
| Total risk-based capital ratio | 18.4239% | 2,063 |
| Memoranda: | ||
| Average total assets | $95,881,600 | 4,430 |
| Average earning assets | $91,752,200 | 4,355 |
| Average equity | $17,069,400 | 3,543 |
| Average total loans | $33,876,400 | 5,071 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 2,925 |
| Cost of funding earning assets | 0.1739% | 5,315 |
| Net interest margin | 3.9129% | 1,929 |
| Noninterest income to average assets | 0.4761% | 3,402 |
| Noninterest expense to average assets | 1.8687% | 5,431 |
| Loan and lease loss provision to assets | 0.2931% | 583 |
| Net operating income to assets | 2.0600% | 311 |
| Return on assets (ROA) | 2.3572% | 205 |
| Pretax return on assets | 2.3572% | 277 |
| Return on Equity (ROE) | 13.1541% | 1,009 |
| Retained earnings to average equity (ytd only) | 3.6475% | 3,704 |
| Net charge-offs to loans | 0.0120% | 3,524 |
| Credit loss provision to net charge-offs | 7,100.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 569.9850% | 159 |
| Efficiency ratio | 44.2634% | 5,735 |
| Assets per employee ($millions) | 5.8856% | 1,522 |
| Cash dividends to net income (ytd only)* | 72.2712% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 1,987 |
| Loan loss allowance to noncurrent loans | 26.8376% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 1.8637% | 870 |
| Noncurrent loans to loans | 5.3944% | 145 |
| Net loans and leases to total assets | 34.0480% | 5,621 |
| Net loans and leases to deposits | 42.0256% | 5,579 |
| Net loans and leases to core deposits | 44.1341% | 5,577 |
| Total domestic deposits to total assets | 81.0173% | 4,239 |
| Equity capital to assets | 18.9731% | 267 |
| Core capital (leverage) ratio | 17.6479% | 324 |
| Tier 1 risk-based capital ratio | 17.6796% | 2,015 |
| Total risk-based capital ratio | 18.1831% | 2,206 |
| Memoranda: | ||
| Average total assets | $96,891,750 | 4,444 |
| Average earning assets | $92,750,000 | 4,370 |
| Average equity | $17,363,000 | 3,530 |
| Average total loans | $33,244,250 | 5,141 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 2,849 |
| Cost of funding earning assets | 0.1729% | 5,386 |
| Net interest margin | 3.9291% | 1,883 |
| Noninterest income to average assets | 0.4519% | 3,508 |
| Noninterest expense to average assets | 1.7526% | 5,643 |
| Loan and lease loss provision to assets | 0.4295% | 337 |
| Net operating income to assets | 2.0348% | 309 |
| Return on assets (ROA) | 2.3886% | 181 |
| Pretax return on assets | 2.3886% | 261 |
| Return on Equity (ROE) | 13.5853% | 909 |
| Retained earnings to average equity (ytd only) | 3.2568% | 3,818 |
| Net charge-offs to loans | 0.0060% | 3,485 |
| Credit loss provision to net charge-offs | 21,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,205.0000% | 39 |
| Efficiency ratio | 41.5616% | 5,873 |
| Assets per employee ($millions) | 6.0106% | 1,388 |
| Cash dividends to net income (ytd only)* | 76.0274% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 2,076 |
| Loan loss allowance to noncurrent loans | 49.7354% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 2,178 |
| Noncurrent loans to loans | 2.9098% | 522 |
| Net loans and leases to total assets | 33.2810% | 5,703 |
| Net loans and leases to deposits | 40.7881% | 5,663 |
| Net loans and leases to core deposits | 42.7745% | 5,656 |
| Total domestic deposits to total assets | 81.5949% | 4,119 |
| Equity capital to assets | 18.3968% | 306 |
| Core capital (leverage) ratio | 18.5121% | 257 |
| Tier 1 risk-based capital ratio | 18.7560% | 1,748 |
| Total risk-based capital ratio | 19.2543% | 1,896 |
| Memoranda: | ||
| Average total assets | $97,799,000 | 4,453 |
| Average earning assets | $93,710,000 | 4,389 |
| Average equity | $17,195,000 | 3,562 |
| Average total loans | $33,481,000 | 5,187 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 2,543 |
| Cost of funding earning assets | 0.1783% | 5,386 |
| Net interest margin | 4.0042% | 1,600 |
| Noninterest income to average assets | 0.4340% | 3,587 |
| Noninterest expense to average assets | 1.7523% | 5,698 |
| Loan and lease loss provision to assets | 0.8396% | 121 |
| Net operating income to assets | 1.6671% | 617 |
| Return on assets (ROA) | 1.9510% | 386 |
| Pretax return on assets | 1.9510% | 624 |
| Return on Equity (ROE) | 11.3534% | 1,486 |
| Retained earnings to average equity (ytd only) | 3.3753% | 3,813 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1429% | 5,939 |
| Assets per employee ($millions) | 6.0627% | 1,366 |
| Cash dividends to net income (ytd only)* | 70.2703% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 2,690 |
| Loan loss allowance to noncurrent loans | 42.3913% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 1.1381% | 1,940 |
| Noncurrent loans to loans | 3.1691% | 488 |
| Net loans and leases to total assets | 35.4298% | 5,658 |
| Net loans and leases to deposits | 43.1066% | 5,622 |
| Net loans and leases to core deposits | 45.3829% | 5,612 |
| Total domestic deposits to total assets | 82.1913% | 4,154 |
| Equity capital to assets | 17.7994% | 345 |
| Core capital (leverage) ratio | 16.6478% | 401 |
| Tier 1 risk-based capital ratio | 16.8928% | 2,324 |
| Total risk-based capital ratio | 17.3807% | 2,572 |
| Memoranda: | ||
| Average total assets | $98,614,000 | 4,488 |
| Average earning assets | $94,202,000 | 4,417 |
| Average equity | $16,946,500 | 3,597 |
| Average total loans | $33,983,500 | 5,214 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 3,214 |
| Cost of funding earning assets | 0.1698% | 5,539 |
| Net interest margin | 3.8567% | 2,175 |
| Noninterest income to average assets | 0.4438% | 3,719 |
| Noninterest expense to average assets | 1.8403% | 5,683 |
| Loan and lease loss provision to assets | 0.0120% | 4,170 |
| Net operating income to assets | 2.2931% | 212 |
| Return on assets (ROA) | 2.3651% | 190 |
| Pretax return on assets | 2.3651% | 263 |
| Return on Equity (ROE) | 14.2914% | 800 |
| Retained earnings to average equity (ytd only) | 3.5155% | 3,562 |
| Net charge-offs to loans | 0.1537% | 1,838 |
| Credit loss provision to net charge-offs | 25.0000% | 3,707 |
| Earnings coverage of net charge-offs (x) | 48.0417% | 1,032 |
| Efficiency ratio | 44.3935% | 5,970 |
| Assets per employee ($millions) | 6.2641% | 1,226 |
| Cash dividends to net income (ytd only)* | 75.4015% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 5,444 |
| Loan loss allowance to noncurrent loans | 22.4613% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 1.1594% | 1,872 |
| Noncurrent loans to loans | 3.5073% | 400 |
| Net loans and leases to total assets | 32.7962% | 5,812 |
| Net loans and leases to deposits | 40.3922% | 5,760 |
| Net loans and leases to core deposits | 42.2918% | 5,756 |
| Total domestic deposits to total assets | 81.1943% | 4,428 |
| Equity capital to assets | 16.5897% | 454 |
| Core capital (leverage) ratio | 17.1406% | 349 |
| Tier 1 risk-based capital ratio | 17.0864% | 2,250 |
| Total risk-based capital ratio | 17.3494% | 2,590 |
| Memoranda: | ||
| Average total assets | $100,037,400 | 4,464 |
| Average earning assets | $96,014,800 | 4,392 |
| Average equity | $16,555,400 | 3,592 |
| Average total loans | $31,228,600 | 5,316 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 3,277 |
| Cost of funding earning assets | 0.1688% | 5,644 |
| Net interest margin | 3.8476% | 2,201 |
| Noninterest income to average assets | 0.4480% | 3,729 |
| Noninterest expense to average assets | 1.7161% | 5,885 |
| Loan and lease loss provision to assets | 0.0120% | 4,030 |
| Net operating income to assets | 2.4268% | 179 |
| Return on assets (ROA) | 2.4868% | 169 |
| Pretax return on assets | 2.4868% | 244 |
| Return on Equity (ROE) | 15.0361% | 723 |
| Retained earnings to average equity (ytd only) | 4.5471% | 3,236 |
| Net charge-offs to loans | 0.1994% | 1,291 |
| Credit loss provision to net charge-offs | 19.5652% | 3,367 |
| Earnings coverage of net charge-offs (x) | 39.7621% | 1,252 |
| Efficiency ratio | 41.3030% | 6,104 |
| Assets per employee ($millions) | 6.2159% | 1,227 |
| Cash dividends to net income (ytd only)* | 69.7587% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 5,223 |
| Loan loss allowance to noncurrent loans | 33.8983% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 2,967 |
| Noncurrent loans to loans | 2.6360% | 744 |
| Net loans and leases to total assets | 28.9950% | 6,004 |
| Net loans and leases to deposits | 34.9184% | 6,001 |
| Net loans and leases to core deposits | 36.5340% | 6,003 |
| Total domestic deposits to total assets | 83.0365% | 3,808 |
| Equity capital to assets | 16.9534% | 437 |
| Core capital (leverage) ratio | 17.1749% | 363 |
| Tier 1 risk-based capital ratio | 17.1437% | 2,318 |
| Total risk-based capital ratio | 17.4052% | 2,685 |
| Memoranda: | ||
| Average total assets | $99,990,500 | 4,506 |
| Average earning assets | $96,335,250 | 4,428 |
| Average equity | $16,537,500 | 3,619 |
| Average total loans | $30,753,000 | 5,390 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,300 |
| Cost of funding earning assets | 0.1677% | 5,715 |
| Net interest margin | 3.8299% | 2,203 |
| Noninterest income to average assets | 0.4632% | 3,609 |
| Noninterest expense to average assets | 1.6931% | 5,975 |
| Loan and lease loss provision to assets | 0.0120% | 3,881 |
| Net operating income to assets | 2.4519% | 176 |
| Return on assets (ROA) | 2.5098% | 174 |
| Pretax return on assets | 2.5098% | 247 |
| Return on Equity (ROE) | 15.3016% | 696 |
| Retained earnings to average equity (ytd only) | 5.4414% | 2,574 |
| Net charge-offs to loans | -0.0383% | 5,432 |
| Credit loss provision to net charge-offs | -100.0000% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7301% | 6,190 |
| Assets per employee ($millions) | 6.2273% | 1,199 |
| Cash dividends to net income (ytd only)* | 64.4391% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 4,889 |
| Loan loss allowance to noncurrent loans | 42.2709% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 3,180 |
| Noncurrent loans to loans | 2.3536% | 995 |
| Net loans and leases to total assets | 30.8620% | 6,012 |
| Net loans and leases to deposits | 36.7735% | 6,012 |
| Net loans and leases to core deposits | 38.4519% | 6,005 |
| Total domestic deposits to total assets | 83.9246% | 3,601 |
| Equity capital to assets | 16.0673% | 525 |
| Core capital (leverage) ratio | 16.0280% | 461 |
| Tier 1 risk-based capital ratio | 16.1230% | 2,797 |
| Total risk-based capital ratio | 16.4338% | 3,192 |
| Memoranda: | ||
| Average total assets | $100,169,000 | 4,549 |
| Average earning assets | $96,607,330 | 4,453 |
| Average equity | $16,429,670 | 3,653 |
| Average total loans | $31,305,000 | 5,420 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 3,458 |
| Cost of funding earning assets | 0.1692% | 5,779 |
| Net interest margin | 3.7709% | 2,349 |
| Noninterest income to average assets | 0.4540% | 3,611 |
| Noninterest expense to average assets | 1.5572% | 6,141 |
| Loan and lease loss provision to assets | 0.0119% | 3,570 |
| Net operating income to assets | 2.5250% | 149 |
| Return on assets (ROA) | 2.5449% | 152 |
| Pretax return on assets | 2.5449% | 224 |
| Return on Equity (ROE) | 15.3606% | 658 |
| Retained earnings to average equity (ytd only) | 8.1010% | 1,531 |
| Net charge-offs to loans | -0.0764% | 5,728 |
| Credit loss provision to net charge-offs | -50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0350% | 6,306 |
| Assets per employee ($millions) | 6.4111% | 1,133 |
| Cash dividends to net income (ytd only)* | 47.2613% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 5,214 |
| Loan loss allowance to noncurrent loans | 19.6406% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 1.5188% | 1,715 |
| Noncurrent loans to loans | 4.8751% | 285 |
| Net loans and leases to total assets | 30.8565% | 6,041 |
| Net loans and leases to deposits | 37.0372% | 6,022 |
| Net loans and leases to core deposits | 38.8817% | 6,012 |
| Total domestic deposits to total assets | 83.3122% | 4,080 |
| Equity capital to assets | 16.6790% | 473 |
| Core capital (leverage) ratio | 17.0099% | 354 |
| Tier 1 risk-based capital ratio | 42.1436% | 231 |
| Total risk-based capital ratio | 42.8976% | 236 |
| Memoranda: | ||
| Average total assets | $100,435,000 | 4,585 |
| Average earning assets | $96,952,000 | 4,486 |
| Average equity | $16,640,000 | 3,639 |
| Average total loans | $31,428,000 | 5,456 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 3,815 |
| Cost of funding earning assets | 0.1788% | 5,921 |
| Net interest margin | 3.7962% | 2,634 |
| Noninterest income to average assets | 0.5012% | 3,497 |
| Noninterest expense to average assets | 1.8226% | 6,042 |
| Loan and lease loss provision to assets | 0.5231% | 283 |
| Net operating income to assets | 1.8215% | 458 |
| Return on assets (ROA) | 1.8498% | 445 |
| Pretax return on assets | 1.8498% | 715 |
| Return on Equity (ROE) | 11.8726% | 1,446 |
| Retained earnings to average equity (ytd only) | 2.1959% | 4,682 |
| Net charge-offs to loans | 1.8366% | 115 |
| Credit loss provision to net charge-offs | 90.0901% | 2,649 |
| Earnings coverage of net charge-offs (x) | 4.0378% | 3,752 |
| Efficiency ratio | 43.7359% | 6,327 |
| Assets per employee ($millions) | 6.1433% | 1,284 |
| Cash dividends to net income (ytd only)* | 81.5045% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 5,237 |
| Loan loss allowance to noncurrent loans | 30.3061% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9970% | 2,757 |
| Noncurrent loans to loans | 3.1717% | 693 |
| Net loans and leases to total assets | 31.1327% | 6,143 |
| Net loans and leases to deposits | 37.2678% | 6,124 |
| Net loans and leases to core deposits | 39.0055% | 6,122 |
| Total domestic deposits to total assets | 83.5378% | 3,905 |
| Equity capital to assets | 16.4520% | 481 |
| Core capital (leverage) ratio | 15.4820% | 538 |
| Tier 1 risk-based capital ratio | 25.2635% | 816 |
| Total risk-based capital ratio | 25.7482% | 872 |
| Memoranda: | ||
| Average total assets | $95,579,000 | 4,702 |
| Average earning assets | $92,302,800 | 4,600 |
| Average equity | $14,891,400 | 3,856 |
| Average total loans | $30,218,200 | 5,555 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 3,808 |
| Cost of funding earning assets | 0.1820% | 5,979 |
| Net interest margin | 3.8050% | 2,605 |
| Noninterest income to average assets | 0.4974% | 3,569 |
| Noninterest expense to average assets | 1.7126% | 6,200 |
| Loan and lease loss provision to assets | 0.7025% | 183 |
| Net operating income to assets | 1.7534% | 554 |
| Return on assets (ROA) | 1.7576% | 571 |
| Pretax return on assets | 1.7576% | 968 |
| Return on Equity (ROE) | 11.4467% | 1,647 |
| Retained earnings to average equity (ytd only) | 3.4313% | 4,181 |
| Net charge-offs to loans | 2.4804% | 65 |
| Credit loss provision to net charge-offs | 89.4454% | 2,444 |
| Earnings coverage of net charge-offs (x) | 3.1270% | 3,733 |
| Efficiency ratio | 41.0853% | 6,434 |
| Assets per employee ($millions) | 6.3579% | 1,109 |
| Cash dividends to net income (ytd only)* | 70.0239% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 4,870 |
| Loan loss allowance to noncurrent loans | 31.3369% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 3,141 |
| Noncurrent loans to loans | 3.4179% | 711 |
| Net loans and leases to total assets | 26.6038% | 6,345 |
| Net loans and leases to deposits | 31.4000% | 6,351 |
| Net loans and leases to core deposits | 32.9526% | 6,340 |
| Total domestic deposits to total assets | 84.7256% | 3,447 |
| Equity capital to assets | 15.2645% | 680 |
| Core capital (leverage) ratio | 15.3565% | 574 |
| Tier 1 risk-based capital ratio | 26.1736% | 769 |
| Total risk-based capital ratio | 26.6675% | 829 |
| Memoranda: | ||
| Average total assets | $94,900,750 | 4,773 |
| Average earning assets | $91,560,250 | 4,657 |
| Average equity | $14,571,500 | 3,935 |
| Average total loans | $30,048,250 | 5,616 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 3,217 |
| Cost of funding earning assets | 0.1837% | 6,044 |
| Net interest margin | 3.9496% | 1,970 |
| Noninterest income to average assets | 0.4750% | 3,670 |
| Noninterest expense to average assets | 1.8008% | 6,146 |
| Loan and lease loss provision to assets | 1.2955% | 72 |
| Net operating income to assets | 1.1854% | 1,635 |
| Return on assets (ROA) | 1.1919% | 1,684 |
| Pretax return on assets | 1.1919% | 2,690 |
| Return on Equity (ROE) | 7.7459% | 3,237 |
| Retained earnings to average equity (ytd only) | -4.5465% | 6,204 |
| Net charge-offs to loans | 3.6257% | 33 |
| Credit loss provision to net charge-offs | 106.9519% | 1,873 |
| Earnings coverage of net charge-offs (x) | 2.0481% | 3,659 |
| Efficiency ratio | 42.0575% | 6,477 |
| Assets per employee ($millions) | 5.9726% | 1,295 |
| Cash dividends to net income (ytd only)* | 158.6957% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 3,499 |
| Loan loss allowance to noncurrent loans | 47.5669% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 3,390 |
| Noncurrent loans to loans | 2.8750% | 1,038 |
| Net loans and leases to total assets | 29.5099% | 6,324 |
| Net loans and leases to deposits | 34.8647% | 6,327 |
| Net loans and leases to core deposits | 36.6600% | 6,314 |
| Total domestic deposits to total assets | 84.6412% | 3,662 |
| Equity capital to assets | 15.3483% | 636 |
| Core capital (leverage) ratio | 15.6040% | 528 |
| Tier 1 risk-based capital ratio | 25.3530% | 836 |
| Total risk-based capital ratio | 26.0215% | 886 |
| Memoranda: | ||
| Average total assets | $92,625,670 | 4,854 |
| Average earning assets | $89,274,670 | 4,744 |
| Average equity | $14,252,670 | 3,997 |
| Average total loans | $30,945,670 | 5,632 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 2,335 |
| Cost of funding earning assets | 0.1867% | 6,102 |
| Net interest margin | 4.1626% | 1,314 |
| Noninterest income to average assets | 0.5134% | 3,308 |
| Noninterest expense to average assets | 1.8517% | 6,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.6723% | 124 |
| Return on assets (ROA) | 2.6723% | 131 |
| Pretax return on assets | 2.6723% | 186 |
| Return on Equity (ROE) | 17.3436% | 497 |
| Retained earnings to average equity (ytd only) | 7.6608% | 1,743 |
| Net charge-offs to loans | -0.0374% | 5,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9311% | 6,571 |
| Assets per employee ($millions) | 5.7605% | 1,487 |
| Cash dividends to net income (ytd only)* | 55.8292% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 5,184 |
| Loan loss allowance to noncurrent loans | 20.3205% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 1.8955% | 1,818 |
| Noncurrent loans to loans | 5.3381% | 386 |
| Net loans and leases to total assets | 35.1228% | 6,116 |
| Net loans and leases to deposits | 41.7197% | 6,090 |
| Net loans and leases to core deposits | 44.1426% | 6,072 |
| Total domestic deposits to total assets | 84.1876% | 4,214 |
| Equity capital to assets | 15.8016% | 552 |
| Core capital (leverage) ratio | 16.6250% | 404 |
| Tier 1 risk-based capital ratio | 25.0187% | 886 |
| Total risk-based capital ratio | 25.5944% | 944 |
| Memoranda: | ||
| Average total assets | $91,158,000 | 4,934 |
| Average earning assets | $87,829,000 | 4,827 |
| Average equity | $14,045,500 | 4,039 |
| Average total loans | $32,123,000 | 5,624 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 4,324 |
| Cost of funding earning assets | 0.2226% | 6,158 |
| Net interest margin | 3.7159% | 2,991 |
| Noninterest income to average assets | 0.4980% | 3,777 |
| Noninterest expense to average assets | 1.7995% | 6,320 |
| Loan and lease loss provision to assets | 0.1077% | 2,999 |
| Net operating income to assets | 2.1513% | 263 |
| Return on assets (ROA) | 2.2107% | 243 |
| Pretax return on assets | 2.2107% | 309 |
| Return on Equity (ROE) | 13.4965% | 1,066 |
| Retained earnings to average equity (ytd only) | 0.7919% | 5,482 |
| Net charge-offs to loans | 0.0313% | 4,809 |
| Credit loss provision to net charge-offs | 1,088.8889% | 232 |
| Earnings coverage of net charge-offs (x) | 228.3333% | 198 |
| Efficiency ratio | 44.3391% | 6,607 |
| Assets per employee ($millions) | 5.6343% | 1,533 |
| Cash dividends to net income (ytd only)* | 94.1323% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,063 |
| Loan loss allowance to noncurrent loans | 35.1297% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 3,180 |
| Noncurrent loans to loans | 3.1790% | 1,067 |
| Net loans and leases to total assets | 34.5731% | 6,262 |
| Net loans and leases to deposits | 40.6843% | 6,278 |
| Net loans and leases to core deposits | 42.8707% | 6,274 |
| Total domestic deposits to total assets | 84.9791% | 3,760 |
| Equity capital to assets | 15.0053% | 669 |
| Core capital (leverage) ratio | 16.2988% | 440 |
| Tier 1 risk-based capital ratio | 24.9930% | 849 |
| Total risk-based capital ratio | 25.5735% | 910 |
| Memoranda: | ||
| Average total assets | $90,967,600 | 4,954 |
| Average earning assets | $87,165,000 | 4,850 |
| Average equity | $14,900,200 | 3,889 |
| Average total loans | $28,772,800 | 5,815 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 4,464 |
| Cost of funding earning assets | 0.2309% | 6,218 |
| Net interest margin | 3.6785% | 3,115 |
| Noninterest income to average assets | 0.4855% | 3,898 |
| Noninterest expense to average assets | 1.6642% | 6,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.3398% | 205 |
| Return on assets (ROA) | 2.4188% | 198 |
| Pretax return on assets | 2.4188% | 267 |
| Return on Equity (ROE) | 14.4670% | 894 |
| Retained earnings to average equity (ytd only) | 2.0205% | 5,119 |
| Net charge-offs to loans | 0.0047% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,603.9699% | 16 |
| Efficiency ratio | 41.5632% | 6,719 |
| Assets per employee ($millions) | 5.7724% | 1,392 |
| Cash dividends to net income (ytd only)* | 86.0340% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 5,939 |
| Loan loss allowance to noncurrent loans | 18.6212% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 1.5234% | 2,645 |
| Noncurrent loans to loans | 5.0668% | 584 |
| Net loans and leases to total assets | 29.7827% | 6,540 |
| Net loans and leases to deposits | 35.0707% | 6,537 |
| Net loans and leases to core deposits | 36.9088% | 6,535 |
| Total domestic deposits to total assets | 84.9219% | 3,783 |
| Equity capital to assets | 15.0640% | 703 |
| Core capital (leverage) ratio | 16.5188% | 430 |
| Tier 1 risk-based capital ratio | 26.0169% | 786 |
| Total risk-based capital ratio | 26.4633% | 844 |
| Memoranda: | ||
| Average total assets | $91,172,500 | 4,999 |
| Average earning assets | $87,206,500 | 4,893 |
| Average equity | $15,243,500 | 3,868 |
| Average total loans | $28,086,250 | 5,902 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 4,372 |
| Cost of funding earning assets | 0.2435% | 6,223 |
| Net interest margin | 3.6829% | 3,027 |
| Noninterest income to average assets | 0.4737% | 4,005 |
| Noninterest expense to average assets | 1.6766% | 6,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.3288% | 209 |
| Return on assets (ROA) | 2.4478% | 195 |
| Pretax return on assets | 2.4478% | 289 |
| Return on Equity (ROE) | 14.1646% | 974 |
| Retained earnings to average equity (ytd only) | 2.1419% | 4,913 |
| Net charge-offs to loans | -0.0071% | 5,702 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8592% | 6,758 |
| Assets per employee ($millions) | 5.6547% | 1,456 |
| Cash dividends to net income (ytd only)* | 84.8785% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 6,069 |
| Loan loss allowance to noncurrent loans | 21.3592% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 3,054 |
| Noncurrent loans to loans | 4.3190% | 838 |
| Net loans and leases to total assets | 31.3390% | 6,531 |
| Net loans and leases to deposits | 37.2075% | 6,513 |
| Net loans and leases to core deposits | 39.2188% | 6,498 |
| Total domestic deposits to total assets | 84.2277% | 4,227 |
| Equity capital to assets | 15.7568% | 566 |
| Core capital (leverage) ratio | 16.6346% | 405 |
| Tier 1 risk-based capital ratio | 25.9817% | 772 |
| Total risk-based capital ratio | 26.4328% | 839 |
| Memoranda: | ||
| Average total assets | $90,777,000 | 5,041 |
| Average earning assets | $87,051,330 | 4,926 |
| Average equity | $15,687,000 | 3,826 |
| Average total loans | $28,192,000 | 5,928 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 5,045 |
| Cost of funding earning assets | 0.2556% | 6,250 |
| Net interest margin | 3.4779% | 3,795 |
| Noninterest income to average assets | 0.4751% | 3,960 |
| Noninterest expense to average assets | 1.6189% | 6,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2083% | 240 |
| Return on assets (ROA) | 2.4459% | 183 |
| Pretax return on assets | 2.4459% | 289 |
| Return on Equity (ROE) | 13.5589% | 1,041 |
| Retained earnings to average equity (ytd only) | 2.2679% | 4,883 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2989% | 6,830 |
| Assets per employee ($millions) | 5.8161% | 1,400 |
| Cash dividends to net income (ytd only)* | 83.2734% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 6,208 |
| Loan loss allowance to noncurrent loans | 20.4193% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 1.3841% | 3,194 |
| Noncurrent loans to loans | 4.5119% | 919 |
| Net loans and leases to total assets | 30.3939% | 6,588 |
| Net loans and leases to deposits | 36.8296% | 6,543 |
| Net loans and leases to core deposits | 38.6182% | 6,541 |
| Total domestic deposits to total assets | 82.5260% | 5,020 |
| Equity capital to assets | 17.4558% | 377 |
| Core capital (leverage) ratio | 16.7486% | 379 |
| Tier 1 risk-based capital ratio | 25.7746% | 811 |
| Total risk-based capital ratio | 26.2226% | 880 |
| Memoranda: | ||
| Average total assets | $90,928,000 | 5,075 |
| Average earning assets | $87,639,500 | 4,943 |
| Average equity | $16,402,500 | 3,752 |
| Average total loans | $27,979,000 | 5,988 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 5,783 |
| Cost of funding earning assets | 0.3077% | 6,411 |
| Net interest margin | 3.5094% | 4,462 |
| Noninterest income to average assets | 0.5290% | 3,717 |
| Noninterest expense to average assets | 1.9349% | 6,450 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.9501% | 395 |
| Return on assets (ROA) | 1.9536% | 430 |
| Pretax return on assets | 1.9536% | 666 |
| Return on Equity (ROE) | 10.1910% | 2,091 |
| Retained earnings to average equity (ytd only) | 3.3138% | 3,893 |
| Net charge-offs to loans | 0.4441% | 2,452 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 15.6075% | 1,639 |
| Efficiency ratio | 49.8046% | 6,601 |
| Assets per employee ($millions) | 5.5499% | 1,643 |
| Cash dividends to net income (ytd only)* | 67.4836% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 6,094 |
| Loan loss allowance to noncurrent loans | 22.5945% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3108% | 3,459 |
| Noncurrent loans to loans | 4.2465% | 1,049 |
| Net loans and leases to total assets | 30.5728% | 6,681 |
| Net loans and leases to deposits | 37.5912% | 6,646 |
| Net loans and leases to core deposits | 39.0271% | 6,643 |
| Total domestic deposits to total assets | 81.3295% | 5,299 |
| Equity capital to assets | 18.6502% | 283 |
| Core capital (leverage) ratio | 17.0345% | 352 |
| Tier 1 risk-based capital ratio | 26.6755% | 717 |
| Total risk-based capital ratio | 27.1421% | 770 |
| Memoranda: | ||
| Average total assets | $85,637,400 | 5,198 |
| Average earning assets | $81,893,600 | 5,072 |
| Average equity | $16,416,400 | 3,722 |
| Average total loans | $24,091,400 | 6,235 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 5,761 |
| Cost of funding earning assets | 0.3192% | 6,518 |
| Net interest margin | 3.5916% | 4,269 |
| Noninterest income to average assets | 0.5374% | 3,690 |
| Noninterest expense to average assets | 1.8197% | 6,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.1481% | 311 |
| Return on assets (ROA) | 2.1528% | 344 |
| Pretax return on assets | 2.1528% | 521 |
| Return on Equity (ROE) | 11.1514% | 1,905 |
| Retained earnings to average equity (ytd only) | 4.5664% | 3,687 |
| Net charge-offs to loans | -0.0057% | 6,285 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8614% | 6,821 |
| Assets per employee ($millions) | 5.5363% | 1,603 |
| Cash dividends to net income (ytd only)* | 59.0511% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 3,857 |
| Loan loss allowance to noncurrent loans | 38.5655% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 1.0860% | 4,122 |
| Noncurrent loans to loans | 3.9462% | 1,308 |
| Net loans and leases to total assets | 27.1017% | 6,897 |
| Net loans and leases to deposits | 33.4546% | 6,878 |
| Net loans and leases to core deposits | 34.8660% | 6,881 |
| Total domestic deposits to total assets | 81.0106% | 5,354 |
| Equity capital to assets | 18.9691% | 297 |
| Core capital (leverage) ratio | 17.3883% | 342 |
| Tier 1 risk-based capital ratio | 27.4331% | 705 |
| Total risk-based capital ratio | 28.1091% | 736 |
| Memoranda: | ||
| Average total assets | $84,847,250 | 5,275 |
| Average earning assets | $81,038,250 | 5,143 |
| Average equity | $16,380,250 | 3,756 |
| Average total loans | $23,261,500 | 6,365 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 5,711 |
| Cost of funding earning assets | 0.3337% | 6,583 |
| Net interest margin | 3.6455% | 4,058 |
| Noninterest income to average assets | 0.5622% | 3,510 |
| Noninterest expense to average assets | 1.8708% | 6,655 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1674% | 298 |
| Return on assets (ROA) | 2.1746% | 334 |
| Pretax return on assets | 2.1746% | 511 |
| Return on Equity (ROE) | 11.1950% | 1,923 |
| Retained earnings to average equity (ytd only) | 5.0495% | 3,253 |
| Net charge-offs to loans | -0.0087% | 6,258 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3270% | 6,872 |
| Assets per employee ($millions) | 5.5170% | 1,606 |
| Cash dividends to net income (ytd only)* | 54.8955% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 3,556 |
| Loan loss allowance to noncurrent loans | 36.2305% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 1.1601% | 4,077 |
| Noncurrent loans to loans | 4.4524% | 1,197 |
| Net loans and leases to total assets | 25.6344% | 6,993 |
| Net loans and leases to deposits | 31.5092% | 6,976 |
| Net loans and leases to core deposits | 32.8366% | 6,976 |
| Total domestic deposits to total assets | 81.3554% | 5,346 |
| Equity capital to assets | 18.6254% | 298 |
| Core capital (leverage) ratio | 17.7629% | 303 |
| Tier 1 risk-based capital ratio | 28.7750% | 590 |
| Total risk-based capital ratio | 29.4913% | 616 |
| Memoranda: | ||
| Average total assets | $83,602,670 | 5,332 |
| Average earning assets | $79,715,000 | 5,216 |
| Average equity | $16,239,330 | 3,769 |
| Average total loans | $22,889,330 | 6,421 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 5,574 |
| Cost of funding earning assets | 0.3376% | 6,691 |
| Net interest margin | 3.7240% | 3,717 |
| Noninterest income to average assets | 0.5267% | 3,723 |
| Noninterest expense to average assets | 1.8900% | 6,663 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2198% | 283 |
| Return on assets (ROA) | 2.3429% | 275 |
| Pretax return on assets | 2.3429% | 424 |
| Return on Equity (ROE) | 11.7979% | 1,738 |
| Retained earnings to average equity (ytd only) | 8.0801% | 1,957 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9880% | 6,900 |
| Assets per employee ($millions) | 5.2137% | 1,980 |
| Cash dividends to net income (ytd only)* | 31.5126% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 3,935 |
| Loan loss allowance to noncurrent loans | 42.8737% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 4,427 |
| Noncurrent loans to loans | 3.6192% | 1,717 |
| Net loans and leases to total assets | 28.1411% | 6,975 |
| Net loans and leases to deposits | 34.9622% | 6,921 |
| Net loans and leases to core deposits | 36.5444% | 6,924 |
| Total domestic deposits to total assets | 80.4901% | 5,726 |
| Equity capital to assets | 19.4872% | 243 |
| Core capital (leverage) ratio | 18.3550% | 278 |
| Tier 1 risk-based capital ratio | 29.0868% | 566 |
| Total risk-based capital ratio | 29.8130% | 591 |
| Memoranda: | ||
| Average total assets | $81,268,000 | 5,435 |
| Average earning assets | $78,195,000 | 5,298 |
| Average equity | $16,138,500 | 3,790 |
| Average total loans | $22,834,500 | 6,472 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 6,199 |
| Cost of funding earning assets | 0.4589% | 6,708 |
| Net interest margin | 3.6837% | 4,370 |
| Noninterest income to average assets | 0.5619% | 3,417 |
| Noninterest expense to average assets | 1.9871% | 6,694 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.0971% | 264 |
| Return on assets (ROA) | 2.1233% | 274 |
| Pretax return on assets | 2.1233% | 427 |
| Return on Equity (ROE) | 10.4132% | 1,915 |
| Retained earnings to average equity (ytd only) | 2.4154% | 4,496 |
| Net charge-offs to loans | 0.3337% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 22.5493% | 1,056 |
| Efficiency ratio | 48.6530% | 6,910 |
| Assets per employee ($millions) | 4.9448% | 2,286 |
| Cash dividends to net income (ytd only)* | 76.8044% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 3,219 |
| Loan loss allowance to noncurrent loans | 45.7921% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0213% | 4,576 |
| Noncurrent loans to loans | 3.7023% | 1,702 |
| Net loans and leases to total assets | 27.1168% | 7,087 |
| Net loans and leases to deposits | 34.0151% | 7,047 |
| Net loans and leases to core deposits | 35.2201% | 7,052 |
| Total domestic deposits to total assets | 79.7199% | 5,813 |
| Equity capital to assets | 20.2498% | 220 |
| Core capital (leverage) ratio | 18.0976% | 292 |
| Tier 1 risk-based capital ratio | 20.0157% | 1,639 |
| Total risk-based capital ratio | 20.4052% | 1,820 |
| Memoranda: | ||
| Average total assets | $76,343,400 | 5,552 |
| Average earning assets | $72,997,800 | 5,443 |
| Average equity | $15,566,800 | 3,801 |
| Average total loans | $21,276,600 | 6,589 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 6,191 |
| Cost of funding earning assets | 0.4755% | 6,796 |
| Net interest margin | 3.7304% | 4,201 |
| Noninterest income to average assets | 0.5587% | 3,458 |
| Noninterest expense to average assets | 1.8788% | 6,880 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.2471% | 238 |
| Return on assets (ROA) | 2.2824% | 234 |
| Pretax return on assets | 2.2824% | 367 |
| Return on Equity (ROE) | 11.1732% | 1,793 |
| Retained earnings to average equity (ytd only) | 3.3649% | 4,333 |
| Net charge-offs to loans | 0.0378% | 5,619 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 212.4950% | 183 |
| Efficiency ratio | 45.5361% | 7,085 |
| Assets per employee ($millions) | 5.1288% | 2,022 |
| Cash dividends to net income (ytd only)* | 69.8845% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3143% | 1,664 |
| Loan loss allowance to noncurrent loans | 63.2267% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 5,084 |
| Noncurrent loans to loans | 3.6604% | 1,875 |
| Net loans and leases to total assets | 22.3748% | 7,253 |
| Net loans and leases to deposits | 27.8712% | 7,245 |
| Net loans and leases to core deposits | 28.8138% | 7,243 |
| Total domestic deposits to total assets | 80.2793% | 5,651 |
| Equity capital to assets | 19.6890% | 261 |
| Core capital (leverage) ratio | 18.1146% | 313 |
| Tier 1 risk-based capital ratio | 31.4101% | 477 |
| Total risk-based capital ratio | 32.3519% | 478 |
| Memoranda: | ||
| Average total assets | $75,650,000 | 5,623 |
| Average earning assets | $72,340,250 | 5,503 |
| Average equity | $15,453,250 | 3,835 |
| Average total loans | $21,139,750 | 6,671 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 5,973 |
| Cost of funding earning assets | 0.5030% | 6,835 |
| Net interest margin | 3.8109% | 3,727 |
| Noninterest income to average assets | 0.5604% | 3,397 |
| Noninterest expense to average assets | 1.8799% | 6,973 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.3288% | 211 |
| Return on assets (ROA) | 2.3833% | 199 |
| Pretax return on assets | 2.3833% | 291 |
| Return on Equity (ROE) | 11.5122% | 1,632 |
| Retained earnings to average equity (ytd only) | 4.6128% | 3,251 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6671% | 7,212 |
| Assets per employee ($millions) | 5.1689% | 1,912 |
| Cash dividends to net income (ytd only)* | 59.9315% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2208% | 1,877 |
| Loan loss allowance to noncurrent loans | 75.5137% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 5,398 |
| Noncurrent loans to loans | 2.9409% | 2,474 |
| Net loans and leases to total assets | 25.0432% | 7,298 |
| Net loans and leases to deposits | 31.4323% | 7,282 |
| Net loans and leases to core deposits | 32.4309% | 7,291 |
| Total domestic deposits to total assets | 79.6734% | 5,908 |
| Equity capital to assets | 20.2917% | 245 |
| Core capital (leverage) ratio | 19.2681% | 257 |
| Tier 1 risk-based capital ratio | 34.2884% | 374 |
| Total risk-based capital ratio | 35.3334% | 373 |
| Memoranda: | ||
| Average total assets | $73,513,000 | 5,735 |
| Average earning assets | $70,377,670 | 5,623 |
| Average equity | $15,218,670 | 3,871 |
| Average total loans | $21,921,000 | 6,684 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 5,893 |
| Cost of funding earning assets | 0.5327% | 6,851 |
| Net interest margin | 3.8051% | 3,592 |
| Noninterest income to average assets | 0.5259% | 3,687 |
| Noninterest expense to average assets | 2.1258% | 6,579 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0363% | 328 |
| Return on assets (ROA) | 2.0363% | 347 |
| Pretax return on assets | 2.0363% | 526 |
| Return on Equity (ROE) | 9.7316% | 2,193 |
| Retained earnings to average equity (ytd only) | 3.7162% | 3,943 |
| Net charge-offs to loans | 0.0174% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 77 |
| Efficiency ratio | 51.0753% | 6,911 |
| Assets per employee ($millions) | 4.9859% | 2,186 |
| Cash dividends to net income (ytd only)* | 61.8132% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 2,574 |
| Loan loss allowance to noncurrent loans | 195.5556% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 6,447 |
| Noncurrent loans to loans | 0.9901% | 5,059 |
| Net loans and leases to total assets | 29.7989% | 7,236 |
| Net loans and leases to deposits | 37.3381% | 7,187 |
| Net loans and leases to core deposits | 38.5644% | 7,205 |
| Total domestic deposits to total assets | 79.8083% | 5,992 |
| Equity capital to assets | 20.0981% | 256 |
| Core capital (leverage) ratio | 19.8940% | 237 |
| Tier 1 risk-based capital ratio | 34.3898% | 367 |
| Total risk-based capital ratio | 35.4512% | 359 |
| Memoranda: | ||
| Average total assets | $71,502,500 | 5,832 |
| Average earning assets | $68,329,000 | 5,725 |
| Average equity | $14,961,500 | 3,907 |
| Average total loans | $22,952,500 | 6,697 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 6,187 |
| Cost of funding earning assets | 0.6699% | 6,962 |
| Net interest margin | 3.9028% | 3,470 |
| Noninterest income to average assets | 0.6577% | 3,102 |
| Noninterest expense to average assets | 2.1679% | 6,699 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.2381% | 176 |
| Return on assets (ROA) | 2.2381% | 183 |
| Pretax return on assets | 2.2381% | 292 |
| Return on Equity (ROE) | 10.2977% | 1,821 |
| Retained earnings to average equity (ytd only) | 1.9778% | 4,477 |
| Net charge-offs to loans | 0.0433% | 6,370 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 173.5556% | 146 |
| Efficiency ratio | 49.2033% | 7,191 |
| Assets per employee ($millions) | 4.5478% | 2,785 |
| Cash dividends to net income (ytd only)* | 80.7939% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 2,557 |
| Loan loss allowance to noncurrent loans | 286.3636% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 6,668 |
| Noncurrent loans to loans | 0.6644% | 5,718 |
| Net loans and leases to total assets | 33.3319% | 7,249 |
| Net loans and leases to deposits | 42.6989% | 7,160 |
| Net loans and leases to core deposits | 44.8366% | 7,173 |
| Total domestic deposits to total assets | 78.0627% | 6,300 |
| Equity capital to assets | 21.8303% | 186 |
| Core capital (leverage) ratio | 20.3462% | 216 |
| Tier 1 risk-based capital ratio | 35.5340% | 333 |
| Total risk-based capital ratio | 36.6439% | 329 |
| Memoranda: | ||
| Average total assets | $69,791,800 | 5,896 |
| Average earning assets | $67,028,200 | 5,768 |
| Average equity | $15,168,400 | 3,911 |
| Average total loans | $20,790,600 | 6,880 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 6,361 |
| Cost of funding earning assets | 0.6916% | 7,084 |
| Net interest margin | 3.8988% | 3,528 |
| Noninterest income to average assets | 0.6744% | 2,988 |
| Noninterest expense to average assets | 1.9719% | 7,094 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.4506% | 149 |
| Return on assets (ROA) | 2.4506% | 155 |
| Pretax return on assets | 2.4506% | 250 |
| Return on Equity (ROE) | 11.2877% | 1,700 |
| Retained earnings to average equity (ytd only) | 3.0451% | 4,303 |
| Net charge-offs to loans | 0.0462% | 6,069 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 184.3473% | 176 |
| Efficiency ratio | 44.5876% | 7,447 |
| Assets per employee ($millions) | 4.7339% | 2,550 |
| Cash dividends to net income (ytd only)* | 73.0232% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3738% | 1,509 |
| Loan loss allowance to noncurrent loans | 121.0383% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 6,137 |
| Noncurrent loans to loans | 1.9612% | 3,733 |
| Net loans and leases to total assets | 25.6577% | 7,544 |
| Net loans and leases to deposits | 32.9213% | 7,534 |
| Net loans and leases to core deposits | 34.2404% | 7,530 |
| Total domestic deposits to total assets | 77.9363% | 6,272 |
| Equity capital to assets | 21.9553% | 195 |
| Core capital (leverage) ratio | 20.2403% | 240 |
| Tier 1 risk-based capital ratio | 33.3954% | 395 |
| Total risk-based capital ratio | 34.4398% | 393 |
| Memoranda: | ||
| Average total assets | $70,185,500 | 5,940 |
| Average earning assets | $67,472,750 | 5,817 |
| Average equity | $15,237,500 | 3,944 |
| Average total loans | $20,193,500 | 7,000 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 6,074 |
| Cost of funding earning assets | 0.7118% | 7,165 |
| Net interest margin | 4.0084% | 2,972 |
| Noninterest income to average assets | 0.6580% | 2,965 |
| Noninterest expense to average assets | 1.9396% | 7,197 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.5690% | 129 |
| Return on assets (ROA) | 2.5690% | 131 |
| Pretax return on assets | 2.5690% | 212 |
| Return on Equity (ROE) | 11.8783% | 1,483 |
| Retained earnings to average equity (ytd only) | 3.9153% | 3,596 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0203% | 7,551 |
| Assets per employee ($millions) | 4.6821% | 2,610 |
| Cash dividends to net income (ytd only)* | 67.0379% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2890% | 1,602 |
| Loan loss allowance to noncurrent loans | 151.0067% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4243% | 6,388 |
| Noncurrent loans to loans | 1.5158% | 4,435 |
| Net loans and leases to total assets | 27.3512% | 7,592 |
| Net loans and leases to deposits | 35.1620% | 7,549 |
| Net loans and leases to core deposits | 37.0859% | 7,547 |
| Total domestic deposits to total assets | 77.7862% | 6,315 |
| Equity capital to assets | 22.1042% | 196 |
| Core capital (leverage) ratio | 20.2198% | 236 |
| Tier 1 risk-based capital ratio | 38.7354% | 274 |
| Total risk-based capital ratio | 39.9484% | 271 |
| Memoranda: | ||
| Average total assets | $69,911,330 | 5,982 |
| Average earning assets | $67,158,330 | 5,856 |
| Average equity | $15,120,000 | 3,969 |
| Average total loans | $20,704,000 | 7,026 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 5,681 |
| Cost of funding earning assets | 0.7281% | 7,277 |
| Net interest margin | 4.1240% | 2,342 |
| Noninterest income to average assets | 0.6537% | 2,909 |
| Noninterest expense to average assets | 1.8638% | 7,392 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.7526% | 111 |
| Return on assets (ROA) | 2.7526% | 115 |
| Pretax return on assets | 2.7526% | 171 |
| Return on Equity (ROE) | 12.8704% | 1,277 |
| Retained earnings to average equity (ytd only) | 7.1859% | 2,052 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3727% | 7,722 |
| Assets per employee ($millions) | 4.6717% | 2,683 |
| Cash dividends to net income (ytd only)* | 44.1667% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0779% | 1,999 |
| Loan loss allowance to noncurrent loans | 184.4262% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 6,603 |
| Noncurrent loans to loans | 1.1267% | 5,110 |
| Net loans and leases to total assets | 30.2619% | 7,617 |
| Net loans and leases to deposits | 38.6816% | 7,559 |
| Net loans and leases to core deposits | 40.5763% | 7,559 |
| Total domestic deposits to total assets | 78.2333% | 6,259 |
| Equity capital to assets | 21.6454% | 222 |
| Core capital (leverage) ratio | 20.3950% | 233 |
| Tier 1 risk-based capital ratio | 36.6070% | 320 |
| Total risk-based capital ratio | 37.7764% | 310 |
| Memoranda: | ||
| Average total assets | $69,751,500 | 6,051 |
| Average earning assets | $67,023,000 | 5,932 |
| Average equity | $14,918,000 | 4,036 |
| Average total loans | $21,226,500 | 7,087 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 6,542 |
| Cost of funding earning assets | 0.9406% | 7,326 |
| Net interest margin | 4.0242% | 2,766 |
| Noninterest income to average assets | 0.5925% | 3,683 |
| Noninterest expense to average assets | 2.1069% | 7,172 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.2450% | 133 |
| Return on assets (ROA) | 2.2925% | 133 |
| Pretax return on assets | 2.2925% | 227 |
| Return on Equity (ROE) | 10.9878% | 1,429 |
| Retained earnings to average equity (ytd only) | 1.7164% | 3,880 |
| Net charge-offs to loans | -0.0314% | 7,817 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4137% | 7,614 |
| Assets per employee ($millions) | 4.6285% | 2,720 |
| Cash dividends to net income (ytd only)* | 84.3789% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1638% | 1,710 |
| Loan loss allowance to noncurrent loans | 269.4611% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 6,863 |
| Noncurrent loans to loans | 0.8030% | 5,673 |
| Net loans and leases to total assets | 29.3066% | 7,728 |
| Net loans and leases to deposits | 37.2165% | 7,699 |
| Net loans and leases to core deposits | 44.3164% | 7,698 |
| Total domestic deposits to total assets | 78.7463% | 6,045 |
| Equity capital to assets | 21.1269% | 245 |
| Core capital (leverage) ratio | 20.1258% | 272 |
| Tier 1 risk-based capital ratio | 36.9623% | 302 |
| Total risk-based capital ratio | 38.1661% | 297 |
| Memoranda: | ||
| Average total assets | $69,532,400 | 6,018 |
| Average earning assets | $64,957,200 | 5,960 |
| Average equity | $14,507,000 | 4,144 |
| Average total loans | $19,103,000 | 7,250 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 6,627 |
| Cost of funding earning assets | 0.9896% | 7,414 |
| Net interest margin | 4.0016% | 2,816 |
| Noninterest income to average assets | 0.6115% | 3,612 |
| Noninterest expense to average assets | 2.0241% | 7,340 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.3002% | 152 |
| Return on assets (ROA) | 2.3634% | 145 |
| Pretax return on assets | 2.3634% | 251 |
| Return on Equity (ROE) | 11.3637% | 1,523 |
| Retained earnings to average equity (ytd only) | 2.0092% | 4,194 |
| Net charge-offs to loans | -0.0642% | 7,884 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8085% | 7,735 |
| Assets per employee ($millions) | 4.6589% | 2,616 |
| Cash dividends to net income (ytd only)* | 82.3195% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5844% | 979 |
| Loan loss allowance to noncurrent loans | 3,235.7143% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 7,541 |
| Noncurrent loans to loans | 0.0799% | 7,292 |
| Net loans and leases to total assets | 24.4333% | 7,894 |
| Net loans and leases to deposits | 31.0455% | 7,893 |
| Net loans and leases to core deposits | 36.8950% | 7,889 |
| Total domestic deposits to total assets | 78.7018% | 5,894 |
| Equity capital to assets | 21.1651% | 276 |
| Core capital (leverage) ratio | 19.6968% | 332 |
| Tier 1 risk-based capital ratio | 38.8695% | 301 |
| Total risk-based capital ratio | 40.0789% | 296 |
| Memoranda: | ||
| Average total assets | $69,558,500 | 6,054 |
| Average earning assets | $64,538,500 | 6,018 |
| Average equity | $14,466,750 | 4,197 |
| Average total loans | $18,679,500 | 7,342 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 6,481 |
| Cost of funding earning assets | 1.0383% | 7,482 |
| Net interest margin | 4.0494% | 2,505 |
| Noninterest income to average assets | 0.5875% | 3,787 |
| Noninterest expense to average assets | 1.9266% | 7,588 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.3672% | 139 |
| Return on assets (ROA) | 2.4622% | 128 |
| Pretax return on assets | 2.4622% | 230 |
| Return on Equity (ROE) | 11.9092% | 1,443 |
| Retained earnings to average equity (ytd only) | 3.3429% | 3,469 |
| Net charge-offs to loans | -0.0944% | 7,943 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8692% | 7,893 |
| Assets per employee ($millions) | 5.0077% | 2,065 |
| Cash dividends to net income (ytd only)* | 71.9298% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4979% | 900 |
| Loan loss allowance to noncurrent loans | 612.1622% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 7,308 |
| Noncurrent loans to loans | 0.4081% | 6,487 |
| Net loans and leases to total assets | 25.2211% | 7,974 |
| Net loans and leases to deposits | 31.7377% | 7,968 |
| Net loans and leases to core deposits | 37.2143% | 7,960 |
| Total domestic deposits to total assets | 79.4674% | 5,661 |
| Equity capital to assets | 20.4028% | 353 |
| Core capital (leverage) ratio | 19.7066% | 377 |
| Tier 1 risk-based capital ratio | 37.9087% | 349 |
| Total risk-based capital ratio | 39.1276% | 344 |
| Memoranda: | ||
| Average total assets | $69,450,000 | 6,095 |
| Average earning assets | $63,565,330 | 6,089 |
| Average equity | $14,358,670 | 4,228 |
| Average total loans | $19,063,330 | 7,390 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3474% | 5,670 |
| Cost of funding earning assets | 1.1319% | 7,462 |
| Net interest margin | 4.2155% | 1,843 |
| Noninterest income to average assets | 0.5845% | 3,659 |
| Noninterest expense to average assets | 1.9849% | 7,389 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3495% | 173 |
| Return on assets (ROA) | 2.3842% | 192 |
| Pretax return on assets | 2.3842% | 312 |
| Return on Equity (ROE) | 11.4556% | 1,828 |
| Retained earnings to average equity (ytd only) | 4.3654% | 3,489 |
| Net charge-offs to loans | -0.2663% | 8,046 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7944% | 7,851 |
| Assets per employee ($millions) | 4.3961% | 2,894 |
| Cash dividends to net income (ytd only)* | 61.8932% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2965% | 952 |
| Loan loss allowance to noncurrent loans | 380.8333% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 7,039 |
| Noncurrent loans to loans | 0.6030% | 5,888 |
| Net loans and leases to total assets | 27.6422% | 7,971 |
| Net loans and leases to deposits | 34.9073% | 7,965 |
| Net loans and leases to core deposits | 40.5951% | 7,970 |
| Total domestic deposits to total assets | 79.1876% | 5,648 |
| Equity capital to assets | 20.6645% | 379 |
| Core capital (leverage) ratio | 19.8525% | 403 |
| Tier 1 risk-based capital ratio | 36.6095% | 390 |
| Total risk-based capital ratio | 37.8284% | 385 |
| Memoranda: | ||
| Average total assets | $69,121,000 | 6,139 |
| Average earning assets | $61,488,000 | 6,195 |
| Average equity | $14,386,000 | 4,249 |
| Average total loans | $19,527,500 | 7,402 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0520% | 5,288 |
| Cost of funding earning assets | 1.6183% | 7,408 |
| Net interest margin | 4.4337% | 1,582 |
| Noninterest income to average assets | 0.6075% | 3,791 |
| Noninterest expense to average assets | 1.8852% | 7,641 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.7802% | 84 |
| Return on assets (ROA) | 2.8698% | 74 |
| Pretax return on assets | 2.8698% | 109 |
| Return on Equity (ROE) | 14.5129% | 1,006 |
| Retained earnings to average equity (ytd only) | 2.1370% | 3,903 |
| Net charge-offs to loans | -0.4697% | 8,214 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4087% | 8,122 |
| Assets per employee ($millions) | 3.7724% | 4,021 |
| Cash dividends to net income (ytd only)* | 85.2752% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3179% | 835 |
| Loan loss allowance to noncurrent loans | 1,168.4211% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 7,350 |
| Noncurrent loans to loans | 0.1984% | 6,794 |
| Net loans and leases to total assets | 27.5551% | 8,047 |
| Net loans and leases to deposits | 34.9399% | 8,043 |
| Net loans and leases to core deposits | 41.1439% | 8,032 |
| Total domestic deposits to total assets | 78.8643% | 5,424 |
| Equity capital to assets | 20.9664% | 406 |
| Core capital (leverage) ratio | 19.3423% | 483 |
| Tier 1 risk-based capital ratio | 36.6799% | 402 |
| Total risk-based capital ratio | 37.8801% | 395 |
| Memoranda: | ||
| Average total assets | $70,283,400 | 6,033 |
| Average earning assets | $64,325,400 | 6,011 |
| Average equity | $13,898,000 | 4,364 |
| Average total loans | $17,672,600 | 7,487 |