Home > Exchange Bank and Trust Company, Natchitoches, Louisiana > Performance and Condition Ratios
Exchange Bank and Trust Company, Natchitoches, Louisiana, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 3,911 |
| Cost of funding earning assets | 0.4706% | 4,230 |
| Net interest margin | 3.5626% | 2,037 |
| Noninterest income to average assets | 2.4900% | 218 |
| Noninterest expense to average assets | 2.0193% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 3.9395% | 104 |
| Return on assets (ROA) | 3.0380% | 155 |
| Pretax return on assets | 3.0380% | 198 |
| Return on Equity (ROE) | 49.5500% | 54 |
| Retained earnings to average equity (ytd only) | 25.7771% | 66 |
| Net charge-offs to loans | 0.0036% | 2,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2,477.6667% | 58 |
| Efficiency ratio | 33.8878% | 4,463 |
| Assets per employee ($millions) | 6.7889% | 2,218 |
| Cash dividends to net income (ytd only)* | 47.9763% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 2,828 |
| Loan loss allowance to noncurrent loans | 92.8086% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 909 |
| Noncurrent loans to loans | 1.1872% | 600 |
| Net loans and leases to total assets | 50.5000% | 3,569 |
| Net loans and leases to deposits | 55.1838% | 3,745 |
| Net loans and leases to core deposits | 56.2750% | 3,901 |
| Total domestic deposits to total assets | 91.5200% | 384 |
| Equity capital to assets | 8.2370% | 3,254 |
| Core capital (leverage) ratio | 11.2155% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3646% | 361 |
| Memoranda: | ||
| Average total assets | $188,679,600 | 3,062 |
| Average earning assets | $183,603,200 | 2,980 |
| Average equity | $11,568,400 | 3,567 |
| Average total loans | $84,147,800 | 3,363 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8952% | 4,001 |
| Cost of funding earning assets | 0.3858% | 4,273 |
| Net interest margin | 3.5094% | 2,191 |
| Noninterest income to average assets | 2.8500% | 205 |
| Noninterest expense to average assets | 1.8950% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 4.3711% | 97 |
| Return on assets (ROA) | 4.3711% | 97 |
| Pretax return on assets | 4.3711% | 111 |
| Return on Equity (ROE) | 77.1000% | 29 |
| Retained earnings to average equity (ytd only) | 64.9415% | 21 |
| Net charge-offs to loans | 0.0032% | 2,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 3,170.5000% | 32 |
| Efficiency ratio | 30.2420% | 4,515 |
| Assets per employee ($millions) | 8.3397% | 1,195 |
| Cash dividends to net income (ytd only)* | 15.7704% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 2,758 |
| Loan loss allowance to noncurrent loans | 104.5952% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 1,215 |
| Noncurrent loans to loans | 1.0716% | 744 |
| Net loans and leases to total assets | 43.9700% | 3,915 |
| Net loans and leases to deposits | 53.7084% | 3,801 |
| Net loans and leases to core deposits | 54.6173% | 3,905 |
| Total domestic deposits to total assets | 81.8600% | 3,239 |
| Equity capital to assets | 7.4495% | 3,383 |
| Core capital (leverage) ratio | 12.2436% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7852% | 327 |
| Memoranda: | ||
| Average total assets | $193,418,750 | 3,036 |
| Average earning assets | $188,330,250 | 2,964 |
| Average equity | $10,965,500 | 3,619 |
| Average total loans | $83,516,750 | 3,371 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 3,875 |
| Cost of funding earning assets | 0.3029% | 4,311 |
| Net interest margin | 3.5930% | 2,054 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.7685% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0159% | 452 |
| Return on assets (ROA) | 2.0159% | 449 |
| Pretax return on assets | 2.0159% | 724 |
| Return on Equity (ROE) | 39.6600% | 108 |
| Retained earnings to average equity (ytd only) | 29.5202% | 82 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.7302% | 4,128 |
| Assets per employee ($millions) | 7.5878% | 1,553 |
| Cash dividends to net income (ytd only)* | 25.5754% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 2,858 |
| Loan loss allowance to noncurrent loans | 102.1345% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 1,097 |
| Noncurrent loans to loans | 1.0952% | 652 |
| Net loans and leases to total assets | 44.6000% | 3,859 |
| Net loans and leases to deposits | 50.1025% | 3,912 |
| Net loans and leases to core deposits | 51.0454% | 3,984 |
| Total domestic deposits to total assets | 89.0100% | 1,255 |
| Equity capital to assets | 5.5837% | 4,274 |
| Core capital (leverage) ratio | 10.0476% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5611% | 518 |
| Memoranda: | ||
| Average total assets | $193,954,333 | 3,041 |
| Average earning assets | $188,865,333 | 2,966 |
| Average equity | $9,857,667 | 3,761 |
| Average total loans | $82,925,667 | 3,381 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 3,891 |
| Cost of funding earning assets | 0.2726% | 4,252 |
| Net interest margin | 3.5097% | 2,334 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.7135% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9910% | 500 |
| Return on assets (ROA) | 1.9910% | 493 |
| Pretax return on assets | 1.9910% | 792 |
| Return on Equity (ROE) | 41.1400% | 109 |
| Retained earnings to average equity (ytd only) | 41.1359% | 58 |
| Net charge-offs to loans | -0.0049% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.2555% | 4,201 |
| Assets per employee ($millions) | 8.1697% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,749 |
| Loan loss allowance to noncurrent loans | 97.4568% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 1,032 |
| Noncurrent loans to loans | 1.1936% | 579 |
| Net loans and leases to total assets | 41.5200% | 3,974 |
| Net loans and leases to deposits | 45.8413% | 4,042 |
| Net loans and leases to core deposits | 46.6601% | 4,090 |
| Total domestic deposits to total assets | 90.5600% | 958 |
| Equity capital to assets | 5.1119% | 4,404 |
| Core capital (leverage) ratio | 9.6005% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0037% | 570 |
| Memoranda: | ||
| Average total assets | $196,084,500 | 3,063 |
| Average earning assets | $190,787,500 | 2,998 |
| Average equity | $9,490,500 | 3,842 |
| Average total loans | $81,610,500 | 3,430 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4307% | 3,269 |
| Cost of funding earning assets | 0.1120% | 4,328 |
| Net interest margin | 3.3187% | 2,519 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 1.7547% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8949% | 360 |
| Return on assets (ROA) | 1.8949% | 349 |
| Pretax return on assets | 1.8949% | 595 |
| Return on Equity (ROE) | 34.5300% | 76 |
| Retained earnings to average equity (ytd only) | 10.9754% | 895 |
| Net charge-offs to loans | 0.0079% | 2,098 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 610.8333% | 286 |
| Efficiency ratio | 48.0805% | 4,232 |
| Assets per employee ($millions) | 8.5260% | 1,081 |
| Cash dividends to net income (ytd only)* | 68.2128% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,473 |
| Loan loss allowance to noncurrent loans | 74.9413% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 766 |
| Noncurrent loans to loans | 1.5792% | 407 |
| Net loans and leases to total assets | 40.7500% | 4,038 |
| Net loans and leases to deposits | 44.4530% | 4,099 |
| Net loans and leases to core deposits | 45.2361% | 4,143 |
| Total domestic deposits to total assets | 91.6700% | 729 |
| Equity capital to assets | 4.5681% | 4,452 |
| Core capital (leverage) ratio | 5.5328% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7601% | 2,466 |
| Memoranda: | ||
| Average total assets | $193,419,000 | 3,079 |
| Average earning assets | $188,328,800 | 3,011 |
| Average equity | $10,614,600 | 3,801 |
| Average total loans | $76,115,000 | 3,470 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3588% | 3,021 |
| Cost of funding earning assets | 0.0973% | 4,308 |
| Net interest margin | 3.2615% | 2,420 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.7888% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8462% | 386 |
| Return on assets (ROA) | 1.8462% | 375 |
| Pretax return on assets | 1.8462% | 661 |
| Return on Equity (ROE) | 32.2700% | 82 |
| Retained earnings to average equity (ytd only) | 20.1771% | 100 |
| Net charge-offs to loans | 0.0125% | 1,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 381.2857% | 404 |
| Efficiency ratio | 49.2103% | 4,207 |
| Assets per employee ($millions) | 7.8781% | 1,385 |
| Cash dividends to net income (ytd only)* | 37.4672% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,299 |
| Loan loss allowance to noncurrent loans | 73.2211% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 793 |
| Noncurrent loans to loans | 1.6980% | 382 |
| Net loans and leases to total assets | 38.6000% | 4,122 |
| Net loans and leases to deposits | 40.5489% | 4,221 |
| Net loans and leases to core deposits | 41.3460% | 4,243 |
| Total domestic deposits to total assets | 95.1800% | 200 |
| Equity capital to assets | 4.5102% | 4,394 |
| Core capital (leverage) ratio | 9.2493% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7331% | 581 |
| Memoranda: | ||
| Average total assets | $192,749,500 | 3,106 |
| Average earning assets | $187,681,000 | 3,032 |
| Average equity | $11,028,750 | 3,808 |
| Average total loans | $74,928,000 | 3,498 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2518% | 2,891 |
| Cost of funding earning assets | 0.0966% | 4,223 |
| Net interest margin | 3.1552% | 2,344 |
| Noninterest income to average assets | 0.4630% | 2,381 |
| Noninterest expense to average assets | 1.7821% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7539% | 375 |
| Return on assets (ROA) | 1.7539% | 369 |
| Pretax return on assets | 1.7539% | 670 |
| Return on Equity (ROE) | 28.5763% | 68 |
| Retained earnings to average equity (ytd only) | 20.0613% | 73 |
| Net charge-offs to loans | 0.0135% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 335.6000% | 368 |
| Efficiency ratio | 50.3991% | 4,225 |
| Assets per employee ($millions) | 7.8114% | 1,410 |
| Cash dividends to net income (ytd only)* | 29.7974% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,354 |
| Loan loss allowance to noncurrent loans | 71.7814% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 646 |
| Noncurrent loans to loans | 1.7625% | 380 |
| Net loans and leases to total assets | 36.8501% | 4,212 |
| Net loans and leases to deposits | 37.9853% | 4,336 |
| Net loans and leases to core deposits | 38.7556% | 4,359 |
| Total domestic deposits to total assets | 97.0113% | 48 |
| Equity capital to assets | 2.7406% | 4,703 |
| Core capital (leverage) ratio | 8.8175% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0985% | 622 |
| Memoranda: | ||
| Average total assets | $191,348,333 | 3,152 |
| Average earning assets | $186,356,333 | 3,092 |
| Average equity | $11,744,000 | 3,809 |
| Average total loans | $74,246,667 | 3,547 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1751% | 2,762 |
| Cost of funding earning assets | 0.0951% | 4,194 |
| Net interest margin | 3.0799% | 2,236 |
| Noninterest income to average assets | 0.2868% | 3,407 |
| Noninterest expense to average assets | 1.7598% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5291% | 594 |
| Return on assets (ROA) | 1.5291% | 588 |
| Pretax return on assets | 1.5291% | 963 |
| Return on Equity (ROE) | 19.1195% | 270 |
| Retained earnings to average equity (ytd only) | 19.1195% | 116 |
| Net charge-offs to loans | 0.0054% | 1,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 709.0000% | 136 |
| Efficiency ratio | 53.5082% | 4,089 |
| Assets per employee ($millions) | 7.7579% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,473 |
| Loan loss allowance to noncurrent loans | 45.6573% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 439 |
| Noncurrent loans to loans | 2.7941% | 197 |
| Net loans and leases to total assets | 38.3852% | 4,098 |
| Net loans and leases to deposits | 41.1198% | 4,199 |
| Net loans and leases to core deposits | 42.0279% | 4,236 |
| Total domestic deposits to total assets | 93.3497% | 193 |
| Equity capital to assets | 6.4394% | 4,452 |
| Core capital (leverage) ratio | 8.9902% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9211% | 569 |
| Memoranda: | ||
| Average total assets | $185,474,500 | 3,198 |
| Average earning assets | $180,783,500 | 3,134 |
| Average equity | $14,833,000 | 3,578 |
| Average total loans | $73,470,000 | 3,564 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1675% | 3,541 |
| Cost of funding earning assets | 0.0966% | 4,408 |
| Net interest margin | 3.0709% | 2,996 |
| Noninterest income to average assets | 1.3186% | 617 |
| Noninterest expense to average assets | 1.7743% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.5336% | 154 |
| Return on assets (ROA) | 2.5364% | 158 |
| Pretax return on assets | 2.5364% | 244 |
| Return on Equity (ROE) | 25.2051% | 121 |
| Retained earnings to average equity (ytd only) | 8.4129% | 1,386 |
| Net charge-offs to loans | -0.0015% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1872% | 4,662 |
| Assets per employee ($millions) | 7.0801% | 1,877 |
| Cash dividends to net income (ytd only)* | 66.6223% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,154 |
| Loan loss allowance to noncurrent loans | 58.1171% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9361% | 609 |
| Noncurrent loans to loans | 2.3165% | 305 |
| Net loans and leases to total assets | 39.8685% | 4,098 |
| Net loans and leases to deposits | 44.2527% | 4,164 |
| Net loans and leases to core deposits | 45.2191% | 4,221 |
| Total domestic deposits to total assets | 90.0928% | 915 |
| Equity capital to assets | 9.7044% | 2,940 |
| Core capital (leverage) ratio | 9.4504% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7598% | 509 |
| Memoranda: | ||
| Average total assets | $177,531,800 | 3,228 |
| Average earning assets | $172,815,200 | 3,154 |
| Average equity | $17,865,400 | 3,401 |
| Average total loans | $68,377,400 | 3,677 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1262% | 3,752 |
| Cost of funding earning assets | 0.0964% | 4,526 |
| Net interest margin | 3.0298% | 3,232 |
| Noninterest income to average assets | 1.6555% | 460 |
| Noninterest expense to average assets | 1.8011% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.8037% | 150 |
| Return on assets (ROA) | 2.8075% | 149 |
| Pretax return on assets | 2.8075% | 224 |
| Return on Equity (ROE) | 27.6528% | 119 |
| Retained earnings to average equity (ytd only) | 20.2610% | 125 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1134% | 4,745 |
| Assets per employee ($millions) | 6.8430% | 1,988 |
| Cash dividends to net income (ytd only)* | 26.7308% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 2,177 |
| Loan loss allowance to noncurrent loans | 56.6725% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 738 |
| Noncurrent loans to loans | 2.4005% | 324 |
| Net loans and leases to total assets | 37.8300% | 4,308 |
| Net loans and leases to deposits | 43.8274% | 4,320 |
| Net loans and leases to core deposits | 44.7835% | 4,355 |
| Total domestic deposits to total assets | 86.3158% | 2,629 |
| Equity capital to assets | 10.6922% | 2,268 |
| Core capital (leverage) ratio | 9.7209% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2618% | 519 |
| Memoranda: | ||
| Average total assets | $177,664,250 | 3,265 |
| Average earning assets | $172,944,750 | 3,189 |
| Average equity | $18,037,500 | 3,425 |
| Average total loans | $67,589,000 | 3,751 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0951% | 3,884 |
| Cost of funding earning assets | 0.0961% | 4,605 |
| Net interest margin | 2.9990% | 3,330 |
| Noninterest income to average assets | 0.2932% | 3,672 |
| Noninterest expense to average assets | 1.7947% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4182% | 1,522 |
| Return on assets (ROA) | 1.4182% | 1,585 |
| Pretax return on assets | 1.4182% | 2,275 |
| Return on Equity (ROE) | 14.2342% | 1,344 |
| Retained earnings to average equity (ytd only) | 8.5084% | 1,891 |
| Net charge-offs to loans | -0.0090% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8594% | 3,562 |
| Assets per employee ($millions) | 6.8113% | 1,932 |
| Cash dividends to net income (ytd only)* | 40.2253% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,792 |
| Loan loss allowance to noncurrent loans | 56.0580% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9380% | 820 |
| Noncurrent loans to loans | 2.5767% | 316 |
| Net loans and leases to total assets | 35.8761% | 4,465 |
| Net loans and leases to deposits | 40.4900% | 4,508 |
| Net loans and leases to core deposits | 41.3533% | 4,542 |
| Total domestic deposits to total assets | 88.6050% | 1,502 |
| Equity capital to assets | 9.4304% | 3,402 |
| Core capital (leverage) ratio | 8.6808% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7707% | 555 |
| Memoranda: | ||
| Average total assets | $175,298,667 | 3,287 |
| Average earning assets | $170,659,333 | 3,212 |
| Average equity | $17,465,000 | 3,473 |
| Average total loans | $66,499,000 | 3,788 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0825% | 3,921 |
| Cost of funding earning assets | 0.0964% | 4,672 |
| Net interest margin | 2.9861% | 3,295 |
| Noninterest income to average assets | 0.2877% | 3,684 |
| Noninterest expense to average assets | 1.8106% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3755% | 1,622 |
| Return on assets (ROA) | 1.3755% | 1,706 |
| Pretax return on assets | 1.3755% | 2,348 |
| Return on Equity (ROE) | 13.4201% | 1,565 |
| Retained earnings to average equity (ytd only) | 13.4201% | 830 |
| Net charge-offs to loans | -0.0181% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8282% | 3,448 |
| Assets per employee ($millions) | 7.0843% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,840 |
| Loan loss allowance to noncurrent loans | 54.3564% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9658% | 862 |
| Noncurrent loans to loans | 2.6314% | 341 |
| Net loans and leases to total assets | 36.1793% | 4,494 |
| Net loans and leases to deposits | 39.9984% | 4,564 |
| Net loans and leases to core deposits | 40.8312% | 4,597 |
| Total domestic deposits to total assets | 90.4518% | 603 |
| Equity capital to assets | 9.3512% | 3,333 |
| Core capital (leverage) ratio | 8.5835% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5781% | 620 |
| Memoranda: | ||
| Average total assets | $170,995,500 | 3,323 |
| Average earning assets | $165,968,000 | 3,254 |
| Average equity | $17,526,000 | 3,468 |
| Average total loans | $66,276,000 | 3,806 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 3,783 |
| Cost of funding earning assets | 0.1654% | 4,688 |
| Net interest margin | 3.4456% | 2,636 |
| Noninterest income to average assets | 0.4522% | 2,861 |
| Noninterest expense to average assets | 1.9585% | 4,216 |
| Loan and lease loss provision to assets | 0.1887% | 2,065 |
| Net operating income to assets | 1.6321% | 597 |
| Return on assets (ROA) | 1.6453% | 627 |
| Pretax return on assets | 1.6453% | 967 |
| Return on Equity (ROE) | 14.7264% | 686 |
| Retained earnings to average equity (ytd only) | 1.6381% | 3,978 |
| Net charge-offs to loans | 0.0150% | 2,815 |
| Credit loss provision to net charge-offs | 3,000.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 289.5000% | 354 |
| Efficiency ratio | 51.8223% | 4,396 |
| Assets per employee ($millions) | 6.0692% | 2,280 |
| Cash dividends to net income (ytd only)* | 88.8761% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 1,638 |
| Loan loss allowance to noncurrent loans | 53.6151% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 789 |
| Noncurrent loans to loans | 2.7685% | 337 |
| Net loans and leases to total assets | 40.5463% | 4,423 |
| Net loans and leases to deposits | 45.8245% | 4,472 |
| Net loans and leases to core deposits | 46.9682% | 4,517 |
| Total domestic deposits to total assets | 88.4816% | 1,241 |
| Equity capital to assets | 11.2978% | 2,022 |
| Core capital (leverage) ratio | 9.6461% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0998% | 498 |
| Memoranda: | ||
| Average total assets | $159,000,000 | 3,296 |
| Average earning assets | $153,530,600 | 3,229 |
| Average equity | $17,764,000 | 3,392 |
| Average total loans | $66,479,000 | 3,802 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6866% | 3,825 |
| Cost of funding earning assets | 0.1710% | 4,754 |
| Net interest margin | 3.5157% | 2,540 |
| Noninterest income to average assets | 0.3281% | 3,522 |
| Noninterest expense to average assets | 2.0037% | 4,136 |
| Loan and lease loss provision to assets | 0.1883% | 2,099 |
| Net operating income to assets | 1.5266% | 853 |
| Return on assets (ROA) | 1.5442% | 899 |
| Pretax return on assets | 1.5442% | 1,345 |
| Return on Equity (ROE) | 13.8604% | 902 |
| Retained earnings to average equity (ytd only) | 6.3480% | 1,948 |
| Net charge-offs to loans | 0.0140% | 2,618 |
| Credit loss provision to net charge-offs | 3,214.2857% | 332 |
| Earnings coverage of net charge-offs (x) | 292.7143% | 366 |
| Efficiency ratio | 53.8825% | 4,158 |
| Assets per employee ($millions) | 5.9583% | 2,302 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 1,941 |
| Loan loss allowance to noncurrent loans | 48.4502% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.1431% | 910 |
| Noncurrent loans to loans | 2.7934% | 355 |
| Net loans and leases to total assets | 40.3691% | 4,558 |
| Net loans and leases to deposits | 48.2482% | 4,546 |
| Net loans and leases to core deposits | 51.3611% | 4,544 |
| Total domestic deposits to total assets | 83.6697% | 2,937 |
| Equity capital to assets | 11.5538% | 1,964 |
| Core capital (leverage) ratio | 9.8104% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7707% | 468 |
| Memoranda: | ||
| Average total assets | $159,300,000 | 3,277 |
| Average earning assets | $153,632,750 | 3,205 |
| Average equity | $17,748,000 | 3,390 |
| Average total loans | $66,862,250 | 3,814 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 3,984 |
| Cost of funding earning assets | 0.1723% | 4,830 |
| Net interest margin | 3.5760% | 2,559 |
| Noninterest income to average assets | 0.3162% | 3,571 |
| Noninterest expense to average assets | 2.0129% | 4,209 |
| Loan and lease loss provision to assets | 0.1889% | 2,135 |
| Net operating income to assets | 1.5645% | 820 |
| Return on assets (ROA) | 1.5695% | 878 |
| Pretax return on assets | 1.5695% | 1,293 |
| Return on Equity (ROE) | 14.2658% | 838 |
| Retained earnings to average equity (ytd only) | 8.5412% | 1,151 |
| Net charge-offs to loans | 0.0149% | 2,446 |
| Credit loss provision to net charge-offs | 3,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 278.4000% | 339 |
| Efficiency ratio | 53.4448% | 4,235 |
| Assets per employee ($millions) | 6.5305% | 1,756 |
| Cash dividends to net income (ytd only)* | 40.1284% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,150 |
| Loan loss allowance to noncurrent loans | 43.7500% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 942 |
| Noncurrent loans to loans | 2.9052% | 348 |
| Net loans and leases to total assets | 37.4680% | 4,688 |
| Net loans and leases to deposits | 44.2723% | 4,697 |
| Net loans and leases to core deposits | 47.1727% | 4,686 |
| Total domestic deposits to total assets | 84.6307% | 2,525 |
| Equity capital to assets | 10.9127% | 2,417 |
| Core capital (leverage) ratio | 9.7755% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1976% | 486 |
| Memoranda: | ||
| Average total assets | $158,775,667 | 3,262 |
| Average earning assets | $153,188,000 | 3,193 |
| Average equity | $17,468,333 | 3,420 |
| Average total loans | $67,205,000 | 3,808 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,919 |
| Cost of funding earning assets | 0.1762% | 4,936 |
| Net interest margin | 3.7755% | 2,065 |
| Noninterest income to average assets | 0.3784% | 3,245 |
| Noninterest expense to average assets | 2.1296% | 4,157 |
| Loan and lease loss provision to assets | 0.1957% | 1,544 |
| Net operating income to assets | 1.6886% | 525 |
| Return on assets (ROA) | 1.6990% | 568 |
| Pretax return on assets | 1.6990% | 860 |
| Return on Equity (ROE) | 15.3737% | 505 |
| Retained earnings to average equity (ytd only) | 15.3737% | 173 |
| Net charge-offs to loans | 0.0117% | 2,166 |
| Credit loss provision to net charge-offs | 3,750.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 190 |
| Efficiency ratio | 53.0559% | 4,462 |
| Assets per employee ($millions) | 5.9949% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,267 |
| Loan loss allowance to noncurrent loans | 114.3951% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 2,577 |
| Noncurrent loans to loans | 0.9522% | 1,726 |
| Net loans and leases to total assets | 41.9064% | 4,597 |
| Net loans and leases to deposits | 49.7204% | 4,601 |
| Net loans and leases to core deposits | 53.1578% | 4,598 |
| Total domestic deposits to total assets | 84.2842% | 2,676 |
| Equity capital to assets | 11.0995% | 2,776 |
| Core capital (leverage) ratio | 9.9162% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6913% | 588 |
| Memoranda: | ||
| Average total assets | $153,267,000 | 3,288 |
| Average earning assets | $147,584,500 | 3,215 |
| Average equity | $16,938,000 | 3,478 |
| Average total loans | $68,589,000 | 3,791 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 4,291 |
| Cost of funding earning assets | 0.2089% | 4,945 |
| Net interest margin | 3.7769% | 2,580 |
| Noninterest income to average assets | 0.3963% | 3,318 |
| Noninterest expense to average assets | 2.0562% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9999% | 352 |
| Return on assets (ROA) | 2.0006% | 364 |
| Pretax return on assets | 2.0006% | 603 |
| Return on Equity (ROE) | 19.8657% | 221 |
| Retained earnings to average equity (ytd only) | 2.1285% | 3,932 |
| Net charge-offs to loans | -0.0214% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6932% | 4,694 |
| Assets per employee ($millions) | 5.3582% | 2,186 |
| Cash dividends to net income (ytd only)* | 89.2857% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 3,600 |
| Loan loss allowance to noncurrent loans | 102.4316% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 2,290 |
| Noncurrent loans to loans | 0.9592% | 1,595 |
| Net loans and leases to total assets | 46.9520% | 4,483 |
| Net loans and leases to deposits | 56.6721% | 4,434 |
| Net loans and leases to core deposits | 61.1632% | 4,382 |
| Total domestic deposits to total assets | 82.8487% | 3,248 |
| Equity capital to assets | 10.9974% | 2,999 |
| Core capital (leverage) ratio | 9.5205% | 4,039 |
| Tier 1 risk-based capital ratio | 21.2293% | 1,125 |
| Total risk-based capital ratio | 22.2547% | 1,138 |
| Memoranda: | ||
| Average total assets | $151,156,200 | 3,285 |
| Average earning assets | $146,468,600 | 3,206 |
| Average equity | $15,222,200 | 3,619 |
| Average total loans | $65,433,200 | 3,875 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 4,417 |
| Cost of funding earning assets | 0.1852% | 5,062 |
| Net interest margin | 3.7847% | 2,642 |
| Noninterest income to average assets | 0.3875% | 3,392 |
| Noninterest expense to average assets | 2.0683% | 4,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9933% | 403 |
| Return on assets (ROA) | 1.9959% | 416 |
| Pretax return on assets | 1.9959% | 693 |
| Return on Equity (ROE) | 20.2605% | 235 |
| Retained earnings to average equity (ytd only) | 11.4015% | 460 |
| Net charge-offs to loans | -0.0309% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9239% | 4,679 |
| Assets per employee ($millions) | 5.8055% | 1,759 |
| Cash dividends to net income (ytd only)* | 43.7254% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,438 |
| Loan loss allowance to noncurrent loans | 96.8436% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 2,397 |
| Noncurrent loans to loans | 1.0572% | 1,516 |
| Net loans and leases to total assets | 43.2312% | 4,715 |
| Net loans and leases to deposits | 51.5944% | 4,722 |
| Net loans and leases to core deposits | 55.4419% | 4,706 |
| Total domestic deposits to total assets | 83.7905% | 2,898 |
| Equity capital to assets | 10.9519% | 3,142 |
| Core capital (leverage) ratio | 10.2392% | 3,373 |
| Tier 1 risk-based capital ratio | 23.5827% | 887 |
| Total risk-based capital ratio | 24.5842% | 891 |
| Memoranda: | ||
| Average total assets | $152,777,500 | 3,294 |
| Average earning assets | $148,312,500 | 3,223 |
| Average equity | $15,050,250 | 3,667 |
| Average total loans | $64,641,500 | 3,932 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 4,495 |
| Cost of funding earning assets | 0.1730% | 5,124 |
| Net interest margin | 3.7677% | 2,702 |
| Noninterest income to average assets | 0.3651% | 3,491 |
| Noninterest expense to average assets | 2.0627% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9662% | 409 |
| Return on assets (ROA) | 1.9662% | 431 |
| Pretax return on assets | 1.9662% | 725 |
| Return on Equity (ROE) | 20.7190% | 213 |
| Retained earnings to average equity (ytd only) | 13.8493% | 236 |
| Net charge-offs to loans | -0.0405% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1974% | 4,710 |
| Assets per employee ($millions) | 6.3492% | 1,308 |
| Cash dividends to net income (ytd only)* | 33.1565% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,388 |
| Loan loss allowance to noncurrent loans | 96.5567% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 2,575 |
| Noncurrent loans to loans | 1.0781% | 1,518 |
| Net loans and leases to total assets | 38.7568% | 4,881 |
| Net loans and leases to deposits | 43.0623% | 4,972 |
| Net loans and leases to core deposits | 46.2530% | 4,952 |
| Total domestic deposits to total assets | 90.0017% | 332 |
| Equity capital to assets | 9.6809% | 4,246 |
| Core capital (leverage) ratio | 9.9617% | 3,623 |
| Tier 1 risk-based capital ratio | 22.3250% | 1,020 |
| Total risk-based capital ratio | 23.2871% | 1,024 |
| Memoranda: | ||
| Average total assets | $153,389,330 | 3,310 |
| Average earning assets | $149,164,330 | 3,234 |
| Average equity | $14,556,670 | 3,713 |
| Average total loans | $64,212,330 | 3,968 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 4,416 |
| Cost of funding earning assets | 0.1921% | 5,133 |
| Net interest margin | 3.7842% | 2,589 |
| Noninterest income to average assets | 0.3931% | 3,229 |
| Noninterest expense to average assets | 2.1417% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9357% | 433 |
| Return on assets (ROA) | 1.9357% | 447 |
| Pretax return on assets | 1.9357% | 730 |
| Return on Equity (ROE) | 20.6291% | 231 |
| Retained earnings to average equity (ytd only) | 20.6291% | 92 |
| Net charge-offs to loans | 0.0125% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 357.0000% | 224 |
| Efficiency ratio | 52.5266% | 4,657 |
| Assets per employee ($millions) | 6.0573% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,644 |
| Loan loss allowance to noncurrent loans | 57.0191% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 1,913 |
| Noncurrent loans to loans | 1.7668% | 878 |
| Net loans and leases to total assets | 41.0547% | 4,860 |
| Net loans and leases to deposits | 45.4116% | 4,946 |
| Net loans and leases to core deposits | 48.9233% | 4,918 |
| Total domestic deposits to total assets | 90.4057% | 315 |
| Equity capital to assets | 9.3066% | 4,429 |
| Core capital (leverage) ratio | 10.0720% | 3,522 |
| Tier 1 risk-based capital ratio | 23.2356% | 910 |
| Total risk-based capital ratio | 24.2334% | 919 |
| Memoranda: | ||
| Average total assets | $147,545,000 | 3,419 |
| Average earning assets | $143,651,000 | 3,324 |
| Average equity | $13,844,500 | 3,824 |
| Average total loans | $63,992,500 | 4,009 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 4,490 |
| Cost of funding earning assets | 0.2188% | 4,925 |
| Net interest margin | 3.5813% | 3,444 |
| Noninterest income to average assets | 0.4382% | 3,183 |
| Noninterest expense to average assets | 2.1249% | 4,510 |
| Loan and lease loss provision to assets | 0.0142% | 3,859 |
| Net operating income to assets | 1.7746% | 591 |
| Return on assets (ROA) | 1.7788% | 577 |
| Pretax return on assets | 1.7788% | 976 |
| Return on Equity (ROE) | 18.7314% | 326 |
| Retained earnings to average equity (ytd only) | 2.3330% | 4,223 |
| Net charge-offs to loans | -0.0033% | 4,295 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2955% | 4,589 |
| Assets per employee ($millions) | 5.2923% | 2,152 |
| Cash dividends to net income (ytd only)* | 87.5448% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,360 |
| Loan loss allowance to noncurrent loans | 58.3039% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 1,701 |
| Noncurrent loans to loans | 1.8063% | 785 |
| Net loans and leases to total assets | 45.0654% | 4,779 |
| Net loans and leases to deposits | 52.1062% | 4,820 |
| Net loans and leases to core deposits | 56.9861% | 4,744 |
| Total domestic deposits to total assets | 86.4876% | 2,023 |
| Equity capital to assets | 9.4709% | 4,152 |
| Core capital (leverage) ratio | 10.4851% | 3,045 |
| Tier 1 risk-based capital ratio | 21.9425% | 1,040 |
| Total risk-based capital ratio | 22.9339% | 1,053 |
| Memoranda: | ||
| Average total assets | $141,274,000 | 3,484 |
| Average earning assets | $137,100,200 | 3,399 |
| Average equity | $13,416,000 | 3,830 |
| Average total loans | $59,931,600 | 4,093 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 4,578 |
| Cost of funding earning assets | 0.1963% | 5,030 |
| Net interest margin | 3.5399% | 3,557 |
| Noninterest income to average assets | 0.4351% | 3,256 |
| Noninterest expense to average assets | 2.1445% | 4,447 |
| Loan and lease loss provision to assets | 0.0188% | 3,634 |
| Net operating income to assets | 1.7047% | 737 |
| Return on assets (ROA) | 1.7103% | 733 |
| Pretax return on assets | 1.7103% | 1,257 |
| Return on Equity (ROE) | 17.9984% | 428 |
| Retained earnings to average equity (ytd only) | 8.1308% | 1,590 |
| Net charge-offs to loans | -0.0068% | 4,297 |
| Credit loss provision to net charge-offs | -666.6667% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4424% | 4,455 |
| Assets per employee ($millions) | 5.3785% | 2,039 |
| Cash dividends to net income (ytd only)* | 54.8245% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 3,362 |
| Loan loss allowance to noncurrent loans | 57.9316% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 0.8159% | 1,816 |
| Noncurrent loans to loans | 1.8444% | 828 |
| Net loans and leases to total assets | 43.7647% | 4,891 |
| Net loans and leases to deposits | 50.5593% | 4,936 |
| Net loans and leases to core deposits | 55.1927% | 4,866 |
| Total domestic deposits to total assets | 86.5612% | 1,941 |
| Equity capital to assets | 9.4858% | 4,092 |
| Core capital (leverage) ratio | 10.6850% | 2,898 |
| Tier 1 risk-based capital ratio | 22.7797% | 962 |
| Total risk-based capital ratio | 23.7755% | 964 |
| Memoranda: | ||
| Average total assets | $142,192,500 | 3,514 |
| Average earning assets | $137,893,000 | 3,421 |
| Average equity | $13,512,000 | 3,841 |
| Average total loans | $59,247,000 | 4,154 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,699 |
| Cost of funding earning assets | 0.1762% | 5,123 |
| Net interest margin | 3.4665% | 3,745 |
| Noninterest income to average assets | 0.4364% | 3,244 |
| Noninterest expense to average assets | 2.1276% | 4,544 |
| Loan and lease loss provision to assets | 0.0280% | 3,354 |
| Net operating income to assets | 1.6380% | 829 |
| Return on assets (ROA) | 1.6492% | 813 |
| Pretax return on assets | 1.6492% | 1,342 |
| Return on Equity (ROE) | 17.3455% | 487 |
| Retained earnings to average equity (ytd only) | 9.9895% | 931 |
| Net charge-offs to loans | -0.0206% | 4,583 |
| Credit loss provision to net charge-offs | -333.3333% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0841% | 4,466 |
| Assets per employee ($millions) | 5.6312% | 1,773 |
| Cash dividends to net income (ytd only)* | 42.4088% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 3,115 |
| Loan loss allowance to noncurrent loans | 57.6389% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 1,907 |
| Noncurrent loans to loans | 1.9547% | 778 |
| Net loans and leases to total assets | 39.7992% | 5,061 |
| Net loans and leases to deposits | 43.9435% | 5,145 |
| Net loans and leases to core deposits | 47.4627% | 5,117 |
| Total domestic deposits to total assets | 90.5690% | 377 |
| Equity capital to assets | 9.1203% | 4,462 |
| Core capital (leverage) ratio | 10.2916% | 3,246 |
| Tier 1 risk-based capital ratio | 22.8757% | 945 |
| Total risk-based capital ratio | 23.8901% | 951 |
| Memoranda: | ||
| Average total assets | $142,976,330 | 3,527 |
| Average earning assets | $138,469,330 | 3,434 |
| Average equity | $13,594,330 | 3,857 |
| Average total loans | $58,375,330 | 4,204 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 4,726 |
| Cost of funding earning assets | 0.1751% | 5,134 |
| Net interest margin | 3.4147% | 3,836 |
| Noninterest income to average assets | 0.4276% | 3,263 |
| Noninterest expense to average assets | 2.1804% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5602% | 932 |
| Return on assets (ROA) | 1.5602% | 943 |
| Pretax return on assets | 1.5602% | 1,495 |
| Return on Equity (ROE) | 16.0700% | 609 |
| Retained earnings to average equity (ytd only) | 16.0700% | 245 |
| Net charge-offs to loans | -0.0138% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2892% | 4,305 |
| Assets per employee ($millions) | 5.6839% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,389 |
| Loan loss allowance to noncurrent loans | 54.2906% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 0.7964% | 1,984 |
| Noncurrent loans to loans | 2.0244% | 780 |
| Net loans and leases to total assets | 38.9093% | 5,109 |
| Net loans and leases to deposits | 42.9205% | 5,189 |
| Net loans and leases to core deposits | 46.7013% | 5,136 |
| Total domestic deposits to total assets | 90.6545% | 425 |
| Equity capital to assets | 9.1087% | 4,450 |
| Core capital (leverage) ratio | 10.2463% | 3,247 |
| Tier 1 risk-based capital ratio | 23.1160% | 929 |
| Total risk-based capital ratio | 24.1109% | 937 |
| Memoranda: | ||
| Average total assets | $141,259,500 | 3,587 |
| Average earning assets | $137,054,000 | 3,491 |
| Average equity | $13,715,000 | 3,874 |
| Average total loans | $58,096,000 | 4,247 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6781% | 4,390 |
| Cost of funding earning assets | 0.1132% | 5,441 |
| Net interest margin | 3.5648% | 3,286 |
| Noninterest income to average assets | 0.4575% | 3,261 |
| Noninterest expense to average assets | 2.3806% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5054% | 795 |
| Return on assets (ROA) | 1.5513% | 733 |
| Pretax return on assets | 1.5513% | 1,449 |
| Return on Equity (ROE) | 13.7247% | 806 |
| Retained earnings to average equity (ytd only) | 1.5074% | 4,399 |
| Net charge-offs to loans | 0.0090% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 387.0000% | 229 |
| Efficiency ratio | 61.2613% | 4,063 |
| Assets per employee ($millions) | 5.1822% | 2,272 |
| Cash dividends to net income (ytd only)* | 89.0171% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,362 |
| Loan loss allowance to noncurrent loans | 54.2056% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 1,786 |
| Noncurrent loans to loans | 2.0275% | 749 |
| Net loans and leases to total assets | 42.6119% | 5,049 |
| Net loans and leases to deposits | 47.6485% | 5,136 |
| Net loans and leases to core deposits | 52.2050% | 5,062 |
| Total domestic deposits to total assets | 89.4298% | 810 |
| Equity capital to assets | 10.3676% | 3,315 |
| Core capital (leverage) ratio | 11.1154% | 2,235 |
| Tier 1 risk-based capital ratio | 23.1798% | 887 |
| Total risk-based capital ratio | 24.2144% | 898 |
| Memoranda: | ||
| Average total assets | $128,538,400 | 3,768 |
| Average earning assets | $123,625,000 | 3,691 |
| Average equity | $14,528,600 | 3,774 |
| Average total loans | $55,550,800 | 4,310 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 4,226 |
| Cost of funding earning assets | 0.1147% | 5,497 |
| Net interest margin | 3.6203% | 3,067 |
| Noninterest income to average assets | 0.4620% | 3,265 |
| Noninterest expense to average assets | 2.4401% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5014% | 893 |
| Return on assets (ROA) | 1.5634% | 797 |
| Pretax return on assets | 1.5634% | 1,533 |
| Return on Equity (ROE) | 13.5343% | 924 |
| Retained earnings to average equity (ytd only) | 4.4448% | 3,255 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9073% | 3,897 |
| Assets per employee ($millions) | 4.8647% | 2,613 |
| Cash dividends to net income (ytd only)* | 67.1593% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,198 |
| Loan loss allowance to noncurrent loans | 53.0041% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 1,773 |
| Noncurrent loans to loans | 2.1708% | 754 |
| Net loans and leases to total assets | 43.7425% | 5,042 |
| Net loans and leases to deposits | 49.8042% | 5,134 |
| Net loans and leases to core deposits | 51.1936% | 5,163 |
| Total domestic deposits to total assets | 87.8290% | 1,458 |
| Equity capital to assets | 11.8500% | 2,076 |
| Core capital (leverage) ratio | 11.5188% | 2,004 |
| Tier 1 risk-based capital ratio | 24.8405% | 772 |
| Total risk-based capital ratio | 25.9389% | 773 |
| Memoranda: | ||
| Average total assets | $126,988,750 | 3,830 |
| Average earning assets | $122,050,750 | 3,752 |
| Average equity | $14,668,500 | 3,795 |
| Average total loans | $54,925,500 | 4,365 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,178 |
| Cost of funding earning assets | 0.1196% | 5,510 |
| Net interest margin | 3.5962% | 3,057 |
| Noninterest income to average assets | 0.4766% | 3,171 |
| Noninterest expense to average assets | 2.4584% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4706% | 915 |
| Return on assets (ROA) | 1.5634% | 787 |
| Pretax return on assets | 1.5634% | 1,448 |
| Return on Equity (ROE) | 13.6520% | 883 |
| Retained earnings to average equity (ytd only) | 6.7848% | 1,694 |
| Net charge-offs to loans | -0.0110% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5701% | 3,895 |
| Assets per employee ($millions) | 4.8610% | 2,573 |
| Cash dividends to net income (ytd only)* | 50.3018% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,303 |
| Loan loss allowance to noncurrent loans | 216.7785% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 4,237 |
| Noncurrent loans to loans | 0.5317% | 3,169 |
| Net loans and leases to total assets | 42.2117% | 5,133 |
| Net loans and leases to deposits | 47.8354% | 5,219 |
| Net loans and leases to core deposits | 48.9832% | 5,252 |
| Total domestic deposits to total assets | 88.2436% | 1,336 |
| Equity capital to assets | 11.4684% | 2,339 |
| Core capital (leverage) ratio | 11.4109% | 2,035 |
| Tier 1 risk-based capital ratio | 24.2583% | 829 |
| Total risk-based capital ratio | 25.3321% | 820 |
| Memoranda: | ||
| Average total assets | $127,158,000 | 3,850 |
| Average earning assets | $122,071,670 | 3,764 |
| Average equity | $14,562,000 | 3,815 |
| Average total loans | $54,577,330 | 4,397 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 4,204 |
| Cost of funding earning assets | 0.1299% | 5,491 |
| Net interest margin | 3.5406% | 3,117 |
| Noninterest income to average assets | 0.5147% | 2,878 |
| Noninterest expense to average assets | 2.4618% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4515% | 893 |
| Return on assets (ROA) | 1.4515% | 915 |
| Pretax return on assets | 1.4515% | 1,692 |
| Return on Equity (ROE) | 12.6842% | 1,066 |
| Retained earnings to average equity (ytd only) | 12.6842% | 405 |
| Net charge-offs to loans | 0.0074% | 2,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 454.0000% | 124 |
| Efficiency ratio | 62.9085% | 4,005 |
| Assets per employee ($millions) | 4.6194% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,358 |
| Loan loss allowance to noncurrent loans | 186.3372% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 4,150 |
| Noncurrent loans to loans | 0.6231% | 2,959 |
| Net loans and leases to total assets | 42.1897% | 5,150 |
| Net loans and leases to deposits | 47.7473% | 5,232 |
| Net loans and leases to core deposits | 48.7807% | 5,270 |
| Total domestic deposits to total assets | 88.3603% | 1,502 |
| Equity capital to assets | 11.4070% | 2,249 |
| Core capital (leverage) ratio | 11.2845% | 2,115 |
| Tier 1 risk-based capital ratio | 24.0707% | 861 |
| Total risk-based capital ratio | 25.1325% | 863 |
| Memoranda: | ||
| Average total assets | $125,113,000 | 3,916 |
| Average earning assets | $120,091,500 | 3,836 |
| Average equity | $14,317,000 | 3,872 |
| Average total loans | $53,842,000 | 4,461 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 4,508 |
| Cost of funding earning assets | 0.1261% | 5,580 |
| Net interest margin | 3.4731% | 3,533 |
| Noninterest income to average assets | 0.5080% | 3,185 |
| Noninterest expense to average assets | 2.2993% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5695% | 728 |
| Return on assets (ROA) | 1.5990% | 709 |
| Pretax return on assets | 1.5990% | 1,286 |
| Return on Equity (ROE) | 13.1260% | 966 |
| Retained earnings to average equity (ytd only) | 1.3421% | 4,737 |
| Net charge-offs to loans | 0.1772% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 22.1124% | 1,745 |
| Efficiency ratio | 59.4310% | 4,674 |
| Assets per employee ($millions) | 4.3173% | 3,413 |
| Cash dividends to net income (ytd only)* | 89.7756% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,970 |
| Loan loss allowance to noncurrent loans | 353.2967% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 4,718 |
| Noncurrent loans to loans | 0.3468% | 3,893 |
| Net loans and leases to total assets | 42.8766% | 5,187 |
| Net loans and leases to deposits | 53.0007% | 5,063 |
| Net loans and leases to core deposits | 54.3450% | 5,133 |
| Total domestic deposits to total assets | 80.8982% | 4,358 |
| Equity capital to assets | 11.4821% | 2,189 |
| Core capital (leverage) ratio | 11.2272% | 2,139 |
| Tier 1 risk-based capital ratio | 24.4176% | 825 |
| Total risk-based capital ratio | 25.5329% | 818 |
| Memoranda: | ||
| Average total assets | $125,388,200 | 3,903 |
| Average earning assets | $121,331,400 | 3,804 |
| Average equity | $15,275,000 | 3,777 |
| Average total loans | $50,234,600 | 4,565 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5728% | 4,627 |
| Cost of funding earning assets | 0.1230% | 5,661 |
| Net interest margin | 3.4498% | 3,671 |
| Noninterest income to average assets | 0.4974% | 3,266 |
| Noninterest expense to average assets | 2.2532% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5850% | 752 |
| Return on assets (ROA) | 1.5977% | 774 |
| Pretax return on assets | 1.5977% | 1,384 |
| Return on Equity (ROE) | 12.9372% | 1,078 |
| Retained earnings to average equity (ytd only) | 4.4034% | 3,201 |
| Net charge-offs to loans | 0.2362% | 994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 17.0909% | 2,073 |
| Efficiency ratio | 58.7040% | 4,721 |
| Assets per employee ($millions) | 4.7260% | 2,709 |
| Cash dividends to net income (ytd only)* | 65.9632% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 3,008 |
| Loan loss allowance to noncurrent loans | 331.9588% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,833 |
| Noncurrent loans to loans | 0.3739% | 3,926 |
| Net loans and leases to total assets | 40.1603% | 5,372 |
| Net loans and leases to deposits | 47.7729% | 5,386 |
| Net loans and leases to core deposits | 49.4762% | 5,405 |
| Total domestic deposits to total assets | 84.0652% | 3,197 |
| Equity capital to assets | 12.5477% | 1,748 |
| Core capital (leverage) ratio | 11.0614% | 2,388 |
| Tier 1 risk-based capital ratio | 24.2638% | 880 |
| Total risk-based capital ratio | 25.3500% | 873 |
| Memoranda: | ||
| Average total assets | $126,514,250 | 3,914 |
| Average earning assets | $122,516,500 | 3,806 |
| Average equity | $15,623,750 | 3,769 |
| Average total loans | $49,674,750 | 4,626 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5205% | 4,810 |
| Cost of funding earning assets | 0.1178% | 5,768 |
| Net interest margin | 3.4028% | 3,883 |
| Noninterest income to average assets | 0.5073% | 3,142 |
| Noninterest expense to average assets | 2.2005% | 4,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6044% | 716 |
| Return on assets (ROA) | 1.6234% | 729 |
| Pretax return on assets | 1.6234% | 1,300 |
| Return on Equity (ROE) | 13.2174% | 975 |
| Retained earnings to average equity (ytd only) | 6.7636% | 1,734 |
| Net charge-offs to loans | 0.3678% | 628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.2444% | 2,277 |
| Efficiency ratio | 57.8333% | 4,926 |
| Assets per employee ($millions) | 4.6519% | 2,790 |
| Cash dividends to net income (ytd only)* | 48.8281% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 2,670 |
| Loan loss allowance to noncurrent loans | 408.9172% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 5,007 |
| Noncurrent loans to loans | 0.3231% | 4,209 |
| Net loans and leases to total assets | 38.1706% | 5,507 |
| Net loans and leases to deposits | 43.9288% | 5,566 |
| Net loans and leases to core deposits | 45.0389% | 5,593 |
| Total domestic deposits to total assets | 86.8919% | 1,966 |
| Equity capital to assets | 12.8565% | 1,583 |
| Core capital (leverage) ratio | 11.2442% | 2,198 |
| Tier 1 risk-based capital ratio | 25.8206% | 737 |
| Total risk-based capital ratio | 26.9721% | 725 |
| Memoranda: | ||
| Average total assets | $126,152,000 | 3,942 |
| Average earning assets | $122,254,000 | 3,840 |
| Average equity | $15,494,670 | 3,801 |
| Average total loans | $48,936,670 | 4,683 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 4,892 |
| Cost of funding earning assets | 0.1307% | 5,751 |
| Net interest margin | 3.3690% | 3,982 |
| Noninterest income to average assets | 0.4556% | 3,445 |
| Noninterest expense to average assets | 2.1166% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6009% | 699 |
| Return on assets (ROA) | 1.6009% | 743 |
| Pretax return on assets | 1.6009% | 1,291 |
| Return on Equity (ROE) | 13.3439% | 956 |
| Retained earnings to average equity (ytd only) | 13.3439% | 363 |
| Net charge-offs to loans | -0.0244% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9362% | 5,100 |
| Assets per employee ($millions) | 4.9997% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,872 |
| Loan loss allowance to noncurrent loans | 244.1860% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 3,622 |
| Noncurrent loans to loans | 0.6251% | 3,300 |
| Net loans and leases to total assets | 36.4748% | 5,613 |
| Net loans and leases to deposits | 41.5664% | 5,666 |
| Net loans and leases to core deposits | 42.5692% | 5,697 |
| Total domestic deposits to total assets | 87.7507% | 1,780 |
| Equity capital to assets | 12.0454% | 2,000 |
| Core capital (leverage) ratio | 10.9415% | 2,454 |
| Tier 1 risk-based capital ratio | 25.1531% | 798 |
| Total risk-based capital ratio | 26.4022% | 781 |
| Memoranda: | ||
| Average total assets | $126,427,000 | 3,970 |
| Average earning assets | $122,409,500 | 3,859 |
| Average equity | $15,168,000 | 3,852 |
| Average total loans | $49,112,500 | 4,701 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6409% | 4,555 |
| Cost of funding earning assets | 0.1289% | 5,822 |
| Net interest margin | 3.5120% | 3,480 |
| Noninterest income to average assets | 0.4843% | 3,439 |
| Noninterest expense to average assets | 2.4134% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4791% | 896 |
| Return on assets (ROA) | 1.5030% | 893 |
| Pretax return on assets | 1.5030% | 1,548 |
| Return on Equity (ROE) | 12.5262% | 1,171 |
| Retained earnings to average equity (ytd only) | 1.4073% | 4,924 |
| Net charge-offs to loans | 0.0306% | 3,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 123.8000% | 492 |
| Efficiency ratio | 55.7806% | 5,365 |
| Assets per employee ($millions) | 4.7255% | 2,697 |
| Cash dividends to net income (ytd only)* | 88.7652% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 2,173 |
| Loan loss allowance to noncurrent loans | 284.8249% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 3,681 |
| Noncurrent loans to loans | 0.5132% | 3,642 |
| Net loans and leases to total assets | 40.1618% | 5,500 |
| Net loans and leases to deposits | 50.3772% | 5,372 |
| Net loans and leases to core deposits | 51.8396% | 5,416 |
| Total domestic deposits to total assets | 79.7221% | 4,816 |
| Equity capital to assets | 11.9466% | 1,994 |
| Core capital (leverage) ratio | 11.0183% | 2,386 |
| Tier 1 risk-based capital ratio | 25.6324% | 763 |
| Total risk-based capital ratio | 26.8835% | 746 |
| Memoranda: | ||
| Average total assets | $125,549,600 | 3,969 |
| Average earning assets | $121,838,400 | 3,842 |
| Average equity | $15,064,400 | 3,830 |
| Average total loans | $48,993,000 | 4,701 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 4,839 |
| Cost of funding earning assets | 0.1350% | 5,887 |
| Net interest margin | 3.4278% | 3,844 |
| Noninterest income to average assets | 0.4732% | 3,551 |
| Noninterest expense to average assets | 2.4940% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3056% | 1,326 |
| Return on assets (ROA) | 1.3373% | 1,297 |
| Pretax return on assets | 1.3373% | 2,258 |
| Return on Equity (ROE) | 11.1336% | 1,652 |
| Retained earnings to average equity (ytd only) | 2.3393% | 4,717 |
| Net charge-offs to loans | 0.0328% | 3,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 102.9975% | 608 |
| Efficiency ratio | 57.1865% | 5,205 |
| Assets per employee ($millions) | 4.9664% | 2,345 |
| Cash dividends to net income (ytd only)* | 78.9888% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 2,348 |
| Loan loss allowance to noncurrent loans | 281.6092% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 3,928 |
| Noncurrent loans to loans | 0.5165% | 3,805 |
| Net loans and leases to total assets | 38.5654% | 5,666 |
| Net loans and leases to deposits | 43.8394% | 5,731 |
| Net loans and leases to core deposits | 44.9311% | 5,762 |
| Total domestic deposits to total assets | 87.9699% | 1,578 |
| Equity capital to assets | 11.7320% | 2,323 |
| Core capital (leverage) ratio | 10.7911% | 2,727 |
| Tier 1 risk-based capital ratio | 25.7075% | 797 |
| Total risk-based capital ratio | 26.9592% | 783 |
| Memoranda: | ||
| Average total assets | $126,221,250 | 4,005 |
| Average earning assets | $122,484,250 | 3,873 |
| Average equity | $15,161,000 | 3,847 |
| Average total loans | $48,722,250 | 4,763 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5861% | 4,757 |
| Cost of funding earning assets | 0.1484% | 5,859 |
| Net interest margin | 3.4377% | 3,760 |
| Noninterest income to average assets | 0.4710% | 3,554 |
| Noninterest expense to average assets | 2.5213% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2790% | 1,383 |
| Return on assets (ROA) | 1.3317% | 1,283 |
| Pretax return on assets | 1.3317% | 2,239 |
| Return on Equity (ROE) | 10.9990% | 1,681 |
| Retained earnings to average equity (ytd only) | 4.4049% | 3,211 |
| Net charge-offs to loans | 0.0333% | 3,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 100.1250% | 597 |
| Efficiency ratio | 57.4790% | 5,282 |
| Assets per employee ($millions) | 4.8227% | 2,511 |
| Cash dividends to net income (ytd only)* | 59.9520% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 2,189 |
| Loan loss allowance to noncurrent loans | 160.3037% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 3,561 |
| Noncurrent loans to loans | 0.9509% | 2,748 |
| Net loans and leases to total assets | 36.6638% | 5,787 |
| Net loans and leases to deposits | 42.9933% | 5,801 |
| Net loans and leases to core deposits | 44.0789% | 5,833 |
| Total domestic deposits to total assets | 85.2780% | 3,015 |
| Equity capital to assets | 11.3998% | 2,497 |
| Core capital (leverage) ratio | 10.9642% | 2,465 |
| Tier 1 risk-based capital ratio | 27.6557% | 669 |
| Total risk-based capital ratio | 28.9080% | 655 |
| Memoranda: | ||
| Average total assets | $125,253,000 | 4,053 |
| Average earning assets | $121,300,670 | 3,925 |
| Average equity | $15,165,000 | 3,862 |
| Average total loans | $48,118,670 | 4,818 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6591% | 4,504 |
| Cost of funding earning assets | 0.1651% | 5,814 |
| Net interest margin | 3.4940% | 3,463 |
| Noninterest income to average assets | 0.4789% | 3,434 |
| Noninterest expense to average assets | 2.5608% | 4,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2967% | 1,287 |
| Return on assets (ROA) | 1.2967% | 1,374 |
| Pretax return on assets | 1.2967% | 2,304 |
| Return on Equity (ROE) | 10.3879% | 1,836 |
| Retained earnings to average equity (ytd only) | 10.3879% | 831 |
| Net charge-offs to loans | 0.0334% | 2,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 498 |
| Efficiency ratio | 57.5169% | 5,393 |
| Assets per employee ($millions) | 5.1656% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 2,160 |
| Loan loss allowance to noncurrent loans | 100.4054% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 2,986 |
| Noncurrent loans to loans | 1.5635% | 1,790 |
| Net loans and leases to total assets | 36.0759% | 5,824 |
| Net loans and leases to deposits | 41.1449% | 5,873 |
| Net loans and leases to core deposits | 42.1622% | 5,903 |
| Total domestic deposits to total assets | 87.6799% | 1,996 |
| Equity capital to assets | 12.1149% | 1,949 |
| Core capital (leverage) ratio | 11.0430% | 2,375 |
| Tier 1 risk-based capital ratio | 28.1760% | 642 |
| Total risk-based capital ratio | 29.4299% | 630 |
| Memoranda: | ||
| Average total assets | $122,773,000 | 4,133 |
| Average earning assets | $118,718,000 | 4,001 |
| Average equity | $15,325,500 | 3,868 |
| Average total loans | $47,938,000 | 4,850 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 4,020 |
| Cost of funding earning assets | 0.1890% | 5,842 |
| Net interest margin | 3.7411% | 2,841 |
| Noninterest income to average assets | 0.5765% | 3,015 |
| Noninterest expense to average assets | 2.7597% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4163% | 1,048 |
| Return on assets (ROA) | 1.4352% | 1,041 |
| Pretax return on assets | 1.4352% | 1,766 |
| Return on Equity (ROE) | 11.2580% | 1,632 |
| Retained earnings to average equity (ytd only) | 1.1642% | 5,256 |
| Net charge-offs to loans | 0.0147% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 235.8571% | 231 |
| Efficiency ratio | 57.3541% | 5,528 |
| Assets per employee ($millions) | 4.6563% | 2,783 |
| Cash dividends to net income (ytd only)* | 89.6593% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 2,304 |
| Loan loss allowance to noncurrent loans | 1,131.8182% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 4,649 |
| Noncurrent loans to loans | 0.1360% | 5,346 |
| Net loans and leases to total assets | 41.0611% | 5,685 |
| Net loans and leases to deposits | 48.6806% | 5,647 |
| Net loans and leases to core deposits | 49.9420% | 5,716 |
| Total domestic deposits to total assets | 84.3480% | 3,572 |
| Equity capital to assets | 12.8910% | 1,419 |
| Core capital (leverage) ratio | 11.4965% | 1,971 |
| Tier 1 risk-based capital ratio | 24.7806% | 858 |
| Total risk-based capital ratio | 26.0312% | 841 |
| Memoranda: | ||
| Average total assets | $116,571,200 | 4,245 |
| Average earning assets | $112,159,800 | 4,129 |
| Average equity | $14,860,600 | 3,867 |
| Average total loans | $47,692,200 | 4,894 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 4,023 |
| Cost of funding earning assets | 0.1903% | 5,908 |
| Net interest margin | 3.7470% | 2,831 |
| Noninterest income to average assets | 0.5317% | 3,313 |
| Noninterest expense to average assets | 2.7807% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3526% | 1,244 |
| Return on assets (ROA) | 1.3766% | 1,220 |
| Pretax return on assets | 1.3766% | 2,093 |
| Return on Equity (ROE) | 10.8288% | 1,863 |
| Retained earnings to average equity (ytd only) | 1.8348% | 5,133 |
| Net charge-offs to loans | 0.0168% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 197.1613% | 325 |
| Efficiency ratio | 58.4786% | 5,379 |
| Assets per employee ($millions) | 4.7196% | 2,636 |
| Cash dividends to net income (ytd only)* | 83.0566% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 2,556 |
| Loan loss allowance to noncurrent loans | 272.9927% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 4,311 |
| Noncurrent loans to loans | 0.5635% | 4,230 |
| Net loans and leases to total assets | 40.5797% | 5,782 |
| Net loans and leases to deposits | 48.7696% | 5,718 |
| Net loans and leases to core deposits | 50.0319% | 5,788 |
| Total domestic deposits to total assets | 83.2071% | 4,063 |
| Equity capital to assets | 12.6833% | 1,592 |
| Core capital (leverage) ratio | 11.1476% | 2,354 |
| Tier 1 risk-based capital ratio | 24.2627% | 958 |
| Total risk-based capital ratio | 25.5143% | 938 |
| Memoranda: | ||
| Average total assets | $116,612,250 | 4,289 |
| Average earning assets | $112,087,750 | 4,168 |
| Average equity | $14,824,250 | 3,888 |
| Average total loans | $47,479,000 | 4,953 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,961 |
| Cost of funding earning assets | 0.1867% | 6,025 |
| Net interest margin | 3.7560% | 2,734 |
| Noninterest income to average assets | 0.5028% | 3,466 |
| Noninterest expense to average assets | 2.7688% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3362% | 1,217 |
| Return on assets (ROA) | 1.3723% | 1,167 |
| Pretax return on assets | 1.3723% | 1,992 |
| Return on Equity (ROE) | 10.7868% | 1,810 |
| Retained earnings to average equity (ytd only) | 4.0197% | 3,620 |
| Net charge-offs to loans | 0.0085% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 388.0000% | 179 |
| Efficiency ratio | 58.5990% | 5,480 |
| Assets per employee ($millions) | 4.5552% | 2,837 |
| Cash dividends to net income (ytd only)* | 62.7353% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 2,549 |
| Loan loss allowance to noncurrent loans | 195.8333% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 4,131 |
| Noncurrent loans to loans | 0.8057% | 3,692 |
| Net loans and leases to total assets | 39.6074% | 5,850 |
| Net loans and leases to deposits | 46.9001% | 5,832 |
| Net loans and leases to core deposits | 48.0901% | 5,901 |
| Total domestic deposits to total assets | 84.4505% | 3,749 |
| Equity capital to assets | 12.7749% | 1,502 |
| Core capital (leverage) ratio | 11.3095% | 2,149 |
| Tier 1 risk-based capital ratio | 24.3672% | 943 |
| Total risk-based capital ratio | 25.6071% | 925 |
| Memoranda: | ||
| Average total assets | $116,153,000 | 4,325 |
| Average earning assets | $111,394,670 | 4,205 |
| Average equity | $14,777,330 | 3,896 |
| Average total loans | $47,096,000 | 4,998 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 3,824 |
| Cost of funding earning assets | 0.2035% | 5,962 |
| Net interest margin | 3.7640% | 2,617 |
| Noninterest income to average assets | 0.4973% | 3,433 |
| Noninterest expense to average assets | 2.7649% | 3,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3355% | 1,134 |
| Return on assets (ROA) | 1.3494% | 1,144 |
| Pretax return on assets | 1.3494% | 1,918 |
| Return on Equity (ROE) | 10.6294% | 1,807 |
| Retained earnings to average equity (ytd only) | 10.6294% | 808 |
| Net charge-offs to loans | 0.0171% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 253 |
| Efficiency ratio | 58.5242% | 5,597 |
| Assets per employee ($millions) | 4.7910% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 2,759 |
| Loan loss allowance to noncurrent loans | 249.8339% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 4,445 |
| Noncurrent loans to loans | 0.6352% | 4,273 |
| Net loans and leases to total assets | 38.9327% | 5,878 |
| Net loans and leases to deposits | 44.5549% | 5,942 |
| Net loans and leases to core deposits | 45.5213% | 6,019 |
| Total domestic deposits to total assets | 87.3814% | 2,579 |
| Equity capital to assets | 12.4173% | 1,622 |
| Core capital (leverage) ratio | 10.8984% | 2,491 |
| Tier 1 risk-based capital ratio | 24.4840% | 938 |
| Total risk-based capital ratio | 25.7350% | 924 |
| Memoranda: | ||
| Average total assets | $115,012,000 | 4,390 |
| Average earning assets | $110,096,000 | 4,269 |
| Average equity | $14,601,000 | 3,931 |
| Average total loans | $46,813,500 | 5,052 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9806% | 4,151 |
| Cost of funding earning assets | 0.2405% | 6,028 |
| Net interest margin | 3.7401% | 2,896 |
| Noninterest income to average assets | 0.5278% | 3,570 |
| Noninterest expense to average assets | 2.7571% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3505% | 1,131 |
| Return on assets (ROA) | 1.3584% | 1,160 |
| Pretax return on assets | 1.3584% | 1,938 |
| Return on Equity (ROE) | 10.3049% | 1,993 |
| Retained earnings to average equity (ytd only) | 1.0092% | 5,389 |
| Net charge-offs to loans | 0.0790% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 41.7027% | 917 |
| Efficiency ratio | 58.0652% | 5,728 |
| Assets per employee ($millions) | 4.2403% | 3,375 |
| Cash dividends to net income (ytd only)* | 90.2062% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 2,646 |
| Loan loss allowance to noncurrent loans | 208.2873% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 5,174 |
| Noncurrent loans to loans | 0.7828% | 4,014 |
| Net loans and leases to total assets | 41.2606% | 5,872 |
| Net loans and leases to deposits | 51.0779% | 5,689 |
| Net loans and leases to core deposits | 52.3837% | 5,770 |
| Total domestic deposits to total assets | 80.7797% | 5,246 |
| Equity capital to assets | 12.9971% | 1,275 |
| Core capital (leverage) ratio | 11.3874% | 2,044 |
| Tier 1 risk-based capital ratio | 24.8510% | 866 |
| Total risk-based capital ratio | 26.1016% | 857 |
| Memoranda: | ||
| Average total assets | $114,251,400 | 4,402 |
| Average earning assets | $109,354,600 | 4,278 |
| Average equity | $15,060,800 | 3,858 |
| Average total loans | $46,806,400 | 5,078 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 4,216 |
| Cost of funding earning assets | 0.2414% | 6,145 |
| Net interest margin | 3.7363% | 2,902 |
| Noninterest income to average assets | 0.5079% | 3,750 |
| Noninterest expense to average assets | 2.7660% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3223% | 1,287 |
| Return on assets (ROA) | 1.3223% | 1,343 |
| Pretax return on assets | 1.3223% | 2,245 |
| Return on Equity (ROE) | 9.9973% | 2,181 |
| Retained earnings to average equity (ytd only) | 1.2507% | 5,481 |
| Net charge-offs to loans | 0.0966% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 33.6192% | 1,141 |
| Efficiency ratio | 58.6587% | 5,606 |
| Assets per employee ($millions) | 4.2824% | 3,264 |
| Cash dividends to net income (ytd only)* | 87.4892% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 2,915 |
| Loan loss allowance to noncurrent loans | 270.3571% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 5,465 |
| Noncurrent loans to loans | 0.5990% | 4,700 |
| Net loans and leases to total assets | 39.7722% | 6,048 |
| Net loans and leases to deposits | 49.0314% | 5,904 |
| Net loans and leases to core deposits | 50.2184% | 6,001 |
| Total domestic deposits to total assets | 81.1158% | 5,187 |
| Equity capital to assets | 12.5119% | 1,573 |
| Core capital (leverage) ratio | 10.9419% | 2,538 |
| Tier 1 risk-based capital ratio | 24.0607% | 994 |
| Total risk-based capital ratio | 25.2960% | 977 |
| Memoranda: | ||
| Average total assets | $115,252,250 | 4,424 |
| Average earning assets | $110,443,750 | 4,293 |
| Average equity | $15,243,750 | 3,867 |
| Average total loans | $46,947,250 | 5,116 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 4,349 |
| Cost of funding earning assets | 0.2356% | 6,265 |
| Net interest margin | 3.6960% | 2,971 |
| Noninterest income to average assets | 0.5003% | 3,830 |
| Noninterest expense to average assets | 2.7483% | 3,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2942% | 1,337 |
| Return on assets (ROA) | 1.2942% | 1,428 |
| Pretax return on assets | 1.2942% | 2,319 |
| Return on Equity (ROE) | 9.6112% | 2,365 |
| Retained earnings to average equity (ytd only) | 3.1607% | 4,308 |
| Net charge-offs to loans | -0.0170% | 5,913 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9171% | 5,611 |
| Assets per employee ($millions) | 4.2433% | 3,262 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 2,838 |
| Loan loss allowance to noncurrent loans | 2,839.2857% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 6,330 |
| Noncurrent loans to loans | 0.0593% | 6,209 |
| Net loans and leases to total assets | 39.0626% | 6,106 |
| Net loans and leases to deposits | 44.5801% | 6,191 |
| Net loans and leases to core deposits | 45.5541% | 6,250 |
| Total domestic deposits to total assets | 87.6233% | 2,480 |
| Equity capital to assets | 12.1065% | 1,845 |
| Core capital (leverage) ratio | 10.8513% | 2,501 |
| Tier 1 risk-based capital ratio | 23.2809% | 1,092 |
| Total risk-based capital ratio | 24.5172% | 1,079 |
| Memoranda: | ||
| Average total assets | $115,127,670 | 4,460 |
| Average earning assets | $110,334,330 | 4,330 |
| Average equity | $15,502,670 | 3,855 |
| Average total loans | $47,015,000 | 5,135 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9412% | 4,325 |
| Cost of funding earning assets | 0.2578% | 6,235 |
| Net interest margin | 3.6834% | 2,931 |
| Noninterest income to average assets | 0.4873% | 3,867 |
| Noninterest expense to average assets | 2.7647% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2535% | 1,396 |
| Return on assets (ROA) | 1.2535% | 1,495 |
| Pretax return on assets | 1.2535% | 2,399 |
| Return on Equity (ROE) | 8.8407% | 2,558 |
| Retained earnings to average equity (ytd only) | 8.8407% | 1,439 |
| Net charge-offs to loans | -0.0256% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5782% | 5,648 |
| Assets per employee ($millions) | 4.3437% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 3,016 |
| Loan loss allowance to noncurrent loans | 2,481.2500% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 6,406 |
| Noncurrent loans to loans | 0.0684% | 6,273 |
| Net loans and leases to total assets | 39.1934% | 6,066 |
| Net loans and leases to deposits | 45.5989% | 6,078 |
| Net loans and leases to core deposits | 46.6272% | 6,175 |
| Total domestic deposits to total assets | 85.9524% | 3,548 |
| Equity capital to assets | 13.7841% | 1,101 |
| Core capital (leverage) ratio | 10.8271% | 2,427 |
| Tier 1 risk-based capital ratio | 23.7202% | 1,055 |
| Total risk-based capital ratio | 24.9737% | 1,038 |
| Memoranda: | ||
| Average total assets | $113,285,500 | 4,543 |
| Average earning assets | $108,596,500 | 4,409 |
| Average equity | $16,062,000 | 3,809 |
| Average total loans | $46,919,500 | 5,174 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 4,467 |
| Cost of funding earning assets | 0.2949% | 6,480 |
| Net interest margin | 3.9376% | 2,659 |
| Noninterest income to average assets | 0.7442% | 2,525 |
| Noninterest expense to average assets | 2.8721% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6152% | 738 |
| Return on assets (ROA) | 1.6152% | 814 |
| Pretax return on assets | 1.6152% | 1,342 |
| Return on Equity (ROE) | 11.4151% | 1,678 |
| Retained earnings to average equity (ytd only) | 1.3854% | 5,186 |
| Net charge-offs to loans | -0.0651% | 6,751 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5841% | 6,109 |
| Assets per employee ($millions) | 4.0478% | 3,849 |
| Cash dividends to net income (ytd only)* | 87.8638% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6802% | 3,003 |
| Loan loss allowance to noncurrent loans | 68.9024% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.0916% | 3,831 |
| Noncurrent loans to loans | 2.4385% | 2,174 |
| Net loans and leases to total assets | 42.3530% | 5,966 |
| Net loans and leases to deposits | 51.9489% | 5,811 |
| Net loans and leases to core deposits | 53.4639% | 5,915 |
| Total domestic deposits to total assets | 81.5282% | 5,251 |
| Equity capital to assets | 14.6014% | 840 |
| Core capital (leverage) ratio | 11.2643% | 2,044 |
| Tier 1 risk-based capital ratio | 24.0574% | 959 |
| Total risk-based capital ratio | 25.3116% | 947 |
| Memoranda: | ||
| Average total assets | $112,740,000 | 4,528 |
| Average earning assets | $107,170,800 | 4,412 |
| Average equity | $15,952,600 | 3,778 |
| Average total loans | $46,101,200 | 5,248 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 4,731 |
| Cost of funding earning assets | 0.2941% | 6,642 |
| Net interest margin | 3.9299% | 2,803 |
| Noninterest income to average assets | 0.7042% | 2,698 |
| Noninterest expense to average assets | 2.8496% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5868% | 871 |
| Return on assets (ROA) | 1.5868% | 970 |
| Pretax return on assets | 1.5868% | 1,613 |
| Return on Equity (ROE) | 11.3008% | 1,853 |
| Retained earnings to average equity (ytd only) | 2.9422% | 4,795 |
| Net charge-offs to loans | -0.1018% | 6,855 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7937% | 6,078 |
| Assets per employee ($millions) | 4.0793% | 3,719 |
| Cash dividends to net income (ytd only)* | 73.9646% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 3,206 |
| Loan loss allowance to noncurrent loans | 947.6190% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 6,427 |
| Noncurrent loans to loans | 0.1774% | 6,168 |
| Net loans and leases to total assets | 42.2586% | 6,107 |
| Net loans and leases to deposits | 49.8298% | 6,120 |
| Net loans and leases to core deposits | 51.2120% | 6,227 |
| Total domestic deposits to total assets | 84.8058% | 3,835 |
| Equity capital to assets | 14.9027% | 846 |
| Core capital (leverage) ratio | 10.8545% | 2,543 |
| Tier 1 risk-based capital ratio | 23.7816% | 1,052 |
| Total risk-based capital ratio | 25.0346% | 1,032 |
| Memoranda: | ||
| Average total assets | $113,602,250 | 4,556 |
| Average earning assets | $107,887,750 | 4,439 |
| Average equity | $15,951,250 | 3,824 |
| Average total loans | $45,856,750 | 5,311 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 5,133 |
| Cost of funding earning assets | 0.2791% | 6,801 |
| Net interest margin | 3.8704% | 3,042 |
| Noninterest income to average assets | 0.5682% | 3,464 |
| Noninterest expense to average assets | 2.8060% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4361% | 1,115 |
| Return on assets (ROA) | 1.4361% | 1,250 |
| Pretax return on assets | 1.4361% | 2,062 |
| Return on Equity (ROE) | 10.4324% | 2,200 |
| Retained earnings to average equity (ytd only) | 4.1020% | 3,875 |
| Net charge-offs to loans | -0.1235% | 6,903 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4363% | 5,937 |
| Assets per employee ($millions) | 4.3135% | 3,236 |
| Cash dividends to net income (ytd only)* | 60.6796% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 3,375 |
| Loan loss allowance to noncurrent loans | 1,878.5714% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 6,059 |
| Noncurrent loans to loans | 0.0886% | 6,440 |
| Net loans and leases to total assets | 40.0192% | 6,336 |
| Net loans and leases to deposits | 46.5931% | 6,399 |
| Net loans and leases to core deposits | 47.7952% | 6,474 |
| Total domestic deposits to total assets | 85.8909% | 3,408 |
| Equity capital to assets | 13.8910% | 1,147 |
| Core capital (leverage) ratio | 10.5949% | 2,718 |
| Tier 1 risk-based capital ratio | 22.4233% | 1,212 |
| Total risk-based capital ratio | 23.6757% | 1,198 |
| Memoranda: | ||
| Average total assets | $114,756,000 | 4,541 |
| Average earning assets | $108,929,330 | 4,438 |
| Average equity | $15,797,000 | 3,837 |
| Average total loans | $45,362,330 | 5,364 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 5,364 |
| Cost of funding earning assets | 0.2851% | 6,889 |
| Net interest margin | 3.8401% | 3,185 |
| Noninterest income to average assets | 0.5619% | 3,483 |
| Noninterest expense to average assets | 2.7884% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4153% | 1,194 |
| Return on assets (ROA) | 1.4153% | 1,340 |
| Pretax return on assets | 1.4153% | 2,142 |
| Return on Equity (ROE) | 10.3290% | 2,290 |
| Retained earnings to average equity (ytd only) | 10.3290% | 1,194 |
| Net charge-offs to loans | -0.1533% | 6,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4770% | 5,976 |
| Assets per employee ($millions) | 4.1590% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 3,098 |
| Loan loss allowance to noncurrent loans | 1,467.9245% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 6,145 |
| Noncurrent loans to loans | 0.1204% | 6,450 |
| Net loans and leases to total assets | 37.1178% | 6,547 |
| Net loans and leases to deposits | 43.0612% | 6,609 |
| Net loans and leases to core deposits | 44.1665% | 6,648 |
| Total domestic deposits to total assets | 86.1976% | 3,414 |
| Equity capital to assets | 13.6229% | 1,188 |
| Core capital (leverage) ratio | 10.3379% | 2,943 |
| Tier 1 risk-based capital ratio | 23.4714% | 1,069 |
| Total risk-based capital ratio | 24.7227% | 1,052 |
| Memoranda: | ||
| Average total assets | $113,902,000 | 4,601 |
| Average earning assets | $108,017,000 | 4,485 |
| Average equity | $15,606,500 | 3,874 |
| Average total loans | $44,345,000 | 5,455 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 4,992 |
| Cost of funding earning assets | 0.3465% | 7,020 |
| Net interest margin | 4.1729% | 2,146 |
| Noninterest income to average assets | 0.6099% | 3,109 |
| Noninterest expense to average assets | 2.9390% | 3,812 |
| Loan and lease loss provision to assets | -0.2768% | 7,313 |
| Net operating income to assets | 1.8705% | 405 |
| Return on assets (ROA) | 1.8732% | 440 |
| Pretax return on assets | 1.8732% | 704 |
| Return on Equity (ROE) | 13.4825% | 1,052 |
| Retained earnings to average equity (ytd only) | 0.1992% | 5,745 |
| Net charge-offs to loans | -0.1037% | 7,143 |
| Credit loss provision to net charge-offs | 666.6667% | 330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1889% | 6,291 |
| Assets per employee ($millions) | 3.9769% | 3,908 |
| Cash dividends to net income (ytd only)* | 98.5222% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 3,191 |
| Loan loss allowance to noncurrent loans | 404.7872% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 5,880 |
| Noncurrent loans to loans | 0.4207% | 5,870 |
| Net loans and leases to total assets | 39.4484% | 6,577 |
| Net loans and leases to deposits | 46.3898% | 6,605 |
| Net loans and leases to core deposits | 47.6514% | 6,658 |
| Total domestic deposits to total assets | 85.0368% | 3,822 |
| Equity capital to assets | 13.7841% | 1,144 |
| Core capital (leverage) ratio | 10.5517% | 2,662 |
| Tier 1 risk-based capital ratio | 22.6843% | 1,134 |
| Total risk-based capital ratio | 23.9373% | 1,113 |
| Memoranda: | ||
| Average total assets | $108,369,600 | 4,681 |
| Average earning assets | $101,870,400 | 4,589 |
| Average equity | $15,056,600 | 3,897 |
| Average total loans | $43,396,800 | 5,541 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 4,961 |
| Cost of funding earning assets | 0.3645% | 7,099 |
| Net interest margin | 4.2126% | 2,045 |
| Noninterest income to average assets | 0.6479% | 2,895 |
| Noninterest expense to average assets | 2.9757% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6241% | 745 |
| Return on assets (ROA) | 1.6279% | 811 |
| Pretax return on assets | 1.6279% | 1,311 |
| Return on Equity (ROE) | 11.6926% | 1,623 |
| Retained earnings to average equity (ytd only) | 2.7941% | 4,684 |
| Net charge-offs to loans | -0.1052% | 7,175 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1271% | 6,268 |
| Assets per employee ($millions) | 3.7742% | 4,353 |
| Cash dividends to net income (ytd only)* | 76.1033% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3418% | 1,628 |
| Loan loss allowance to noncurrent loans | 853.6585% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 6,123 |
| Noncurrent loans to loans | 0.2743% | 6,319 |
| Net loans and leases to total assets | 40.0053% | 6,628 |
| Net loans and leases to deposits | 47.5527% | 6,647 |
| Net loans and leases to core deposits | 48.8798% | 6,717 |
| Total domestic deposits to total assets | 84.1283% | 4,170 |
| Equity capital to assets | 14.5240% | 983 |
| Core capital (leverage) ratio | 10.8060% | 2,567 |
| Tier 1 risk-based capital ratio | 23.7204% | 1,045 |
| Total risk-based capital ratio | 24.9640% | 1,032 |
| Memoranda: | ||
| Average total assets | $107,623,750 | 4,726 |
| Average earning assets | $100,963,750 | 4,646 |
| Average equity | $14,983,500 | 3,926 |
| Average total loans | $43,074,000 | 5,600 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 5,265 |
| Cost of funding earning assets | 0.3790% | 7,175 |
| Net interest margin | 4.1506% | 2,228 |
| Noninterest income to average assets | 0.6728% | 2,695 |
| Noninterest expense to average assets | 2.9884% | 3,691 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5736% | 767 |
| Return on assets (ROA) | 1.5792% | 804 |
| Pretax return on assets | 1.5792% | 1,295 |
| Return on Equity (ROE) | 11.5130% | 1,631 |
| Retained earnings to average equity (ytd only) | 4.7006% | 3,193 |
| Net charge-offs to loans | -0.1083% | 7,184 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8619% | 6,311 |
| Assets per employee ($millions) | 4.0307% | 3,690 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3749% | 1,633 |
| Loan loss allowance to noncurrent loans | 368.4397% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 5,891 |
| Noncurrent loans to loans | 0.6446% | 5,634 |
| Net loans and leases to total assets | 37.8446% | 6,869 |
| Net loans and leases to deposits | 44.5807% | 6,903 |
| Net loans and leases to core deposits | 45.7722% | 6,949 |
| Total domestic deposits to total assets | 84.8900% | 3,924 |
| Equity capital to assets | 13.6072% | 1,242 |
| Core capital (leverage) ratio | 10.8615% | 2,362 |
| Tier 1 risk-based capital ratio | 24.8372% | 919 |
| Total risk-based capital ratio | 25.7318% | 939 |
| Memoranda: | ||
| Average total assets | $107,014,000 | 4,778 |
| Average earning assets | $100,275,330 | 4,704 |
| Average equity | $14,679,000 | 3,966 |
| Average total loans | $42,486,330 | 5,683 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 4,834 |
| Cost of funding earning assets | 0.4062% | 7,212 |
| Net interest margin | 4.2219% | 1,831 |
| Noninterest income to average assets | 0.6110% | 3,086 |
| Noninterest expense to average assets | 3.0704% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4948% | 883 |
| Return on assets (ROA) | 1.5064% | 906 |
| Pretax return on assets | 1.5064% | 1,430 |
| Return on Equity (ROE) | 10.9344% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.9344% | 909 |
| Net charge-offs to loans | -0.1242% | 7,147 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4175% | 6,216 |
| Assets per employee ($millions) | 3.9690% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4307% | 1,565 |
| Loan loss allowance to noncurrent loans | 1,336.3636% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 6,359 |
| Noncurrent loans to loans | 0.1819% | 6,605 |
| Net loans and leases to total assets | 37.1672% | 6,951 |
| Net loans and leases to deposits | 43.3221% | 6,973 |
| Net loans and leases to core deposits | 44.4819% | 7,026 |
| Total domestic deposits to total assets | 85.7927% | 3,637 |
| Equity capital to assets | 13.0708% | 1,353 |
| Core capital (leverage) ratio | 10.9290% | 2,241 |
| Tier 1 risk-based capital ratio | 23.3108% | 1,047 |
| Total risk-based capital ratio | 24.1184% | 1,085 |
| Memoranda: | ||
| Average total assets | $104,091,500 | 4,888 |
| Average earning assets | $97,492,500 | 4,807 |
| Average equity | $14,340,000 | 4,037 |
| Average total loans | $41,854,500 | 5,764 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 5,174 |
| Cost of funding earning assets | 0.5054% | 7,292 |
| Net interest margin | 4.3589% | 1,623 |
| Noninterest income to average assets | 0.8970% | 1,859 |
| Noninterest expense to average assets | 3.1531% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7812% | 439 |
| Return on assets (ROA) | 1.8018% | 450 |
| Pretax return on assets | 1.8018% | 762 |
| Return on Equity (ROE) | 12.2948% | 1,256 |
| Retained earnings to average equity (ytd only) | -2.4375% | 6,040 |
| Net charge-offs to loans | -0.1442% | 7,525 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4495% | 6,661 |
| Assets per employee ($millions) | 3.4661% | 5,013 |
| Cash dividends to net income (ytd only)* | 119.8257% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4532% | 1,473 |
| Loan loss allowance to noncurrent loans | 1,253.0864% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 6,289 |
| Noncurrent loans to loans | 0.1958% | 6,677 |
| Net loans and leases to total assets | 41.5868% | 6,869 |
| Net loans and leases to deposits | 49.3882% | 6,882 |
| Net loans and leases to core deposits | 50.9339% | 6,948 |
| Total domestic deposits to total assets | 84.2040% | 4,271 |
| Equity capital to assets | 14.5842% | 885 |
| Core capital (leverage) ratio | 11.7066% | 1,720 |
| Tier 1 risk-based capital ratio | 24.5474% | 884 |
| Total risk-based capital ratio | 25.8304% | 869 |
| Memoranda: | ||
| Average total assets | $101,899,400 | 4,928 |
| Average earning assets | $94,381,200 | 4,883 |
| Average equity | $14,933,200 | 3,950 |
| Average total loans | $40,233,000 | 5,915 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 5,466 |
| Cost of funding earning assets | 0.5211% | 7,418 |
| Net interest margin | 4.3296% | 1,744 |
| Noninterest income to average assets | 0.7060% | 2,792 |
| Noninterest expense to average assets | 3.0904% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6228% | 716 |
| Return on assets (ROA) | 1.6499% | 741 |
| Pretax return on assets | 1.6499% | 1,215 |
| Return on Equity (ROE) | 11.2460% | 1,713 |
| Retained earnings to average equity (ytd only) | 2.4325% | 4,721 |
| Net charge-offs to loans | -0.1669% | 7,608 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8450% | 6,435 |
| Assets per employee ($millions) | 3.5547% | 4,838 |
| Cash dividends to net income (ytd only)* | 78.3699% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4903% | 1,344 |
| Loan loss allowance to noncurrent loans | 1,071.2766% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 6,296 |
| Noncurrent loans to loans | 0.2325% | 6,713 |
| Net loans and leases to total assets | 41.0823% | 7,020 |
| Net loans and leases to deposits | 51.2517% | 6,929 |
| Net loans and leases to core deposits | 52.9511% | 7,008 |
| Total domestic deposits to total assets | 80.1580% | 5,657 |
| Equity capital to assets | 16.1183% | 651 |
| Core capital (leverage) ratio | 11.7563% | 1,788 |
| Tier 1 risk-based capital ratio | 26.7724% | 717 |
| Total risk-based capital ratio | 27.6032% | 731 |
| Memoranda: | ||
| Average total assets | $103,111,750 | 4,962 |
| Average earning assets | $95,433,250 | 4,913 |
| Average equity | $15,128,000 | 3,965 |
| Average total loans | $39,947,500 | 6,005 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 5,885 |
| Cost of funding earning assets | 0.5319% | 7,503 |
| Net interest margin | 4.2411% | 2,013 |
| Noninterest income to average assets | 0.6996% | 2,705 |
| Noninterest expense to average assets | 3.0373% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5774% | 768 |
| Return on assets (ROA) | 1.6172% | 753 |
| Pretax return on assets | 1.6172% | 1,257 |
| Return on Equity (ROE) | 11.3627% | 1,634 |
| Retained earnings to average equity (ytd only) | 4.7023% | 3,081 |
| Net charge-offs to loans | -0.2011% | 7,645 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1076% | 6,498 |
| Assets per employee ($millions) | 4.0125% | 3,753 |
| Cash dividends to net income (ytd only)* | 58.6166% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5188% | 1,278 |
| Loan loss allowance to noncurrent loans | 656.5789% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 6,266 |
| Noncurrent loans to loans | 0.3836% | 6,475 |
| Net loans and leases to total assets | 37.0231% | 7,321 |
| Net loans and leases to deposits | 46.2624% | 7,241 |
| Net loans and leases to core deposits | 47.6663% | 7,295 |
| Total domestic deposits to total assets | 80.0286% | 5,715 |
| Equity capital to assets | 14.7483% | 934 |
| Core capital (leverage) ratio | 11.4956% | 1,918 |
| Tier 1 risk-based capital ratio | 26.0699% | 764 |
| Total risk-based capital ratio | 27.3419% | 754 |
| Memoranda: | ||
| Average total assets | $105,489,670 | 4,929 |
| Average earning assets | $97,381,330 | 4,894 |
| Average equity | $15,014,000 | 3,991 |
| Average total loans | $39,784,330 | 6,056 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7207% | 6,173 |
| Cost of funding earning assets | 0.5349% | 7,623 |
| Net interest margin | 4.1859% | 2,105 |
| Noninterest income to average assets | 0.7165% | 2,494 |
| Noninterest expense to average assets | 3.0206% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5914% | 768 |
| Return on assets (ROA) | 1.6102% | 785 |
| Pretax return on assets | 1.6102% | 1,238 |
| Return on Equity (ROE) | 11.5187% | 1,637 |
| Retained earnings to average equity (ytd only) | 11.5187% | 831 |
| Net charge-offs to loans | -0.3010% | 7,743 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9092% | 6,641 |
| Assets per employee ($millions) | 4.2720% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4272% | 1,393 |
| Loan loss allowance to noncurrent loans | 443.0493% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 6,226 |
| Noncurrent loans to loans | 0.5478% | 6,197 |
| Net loans and leases to total assets | 35.7585% | 7,433 |
| Net loans and leases to deposits | 46.3173% | 7,321 |
| Net loans and leases to core deposits | 47.6784% | 7,376 |
| Total domestic deposits to total assets | 77.2033% | 6,516 |
| Equity capital to assets | 13.5208% | 1,316 |
| Core capital (leverage) ratio | 10.8237% | 2,355 |
| Tier 1 risk-based capital ratio | 25.4149% | 822 |
| Total risk-based capital ratio | 26.6967% | 799 |
| Memoranda: | ||
| Average total assets | $106,072,500 | 4,976 |
| Average earning assets | $98,713,500 | 4,913 |
| Average equity | $14,828,000 | 4,051 |
| Average total loans | $39,865,500 | 6,125 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3348% | 5,004 |
| Cost of funding earning assets | 0.7066% | 7,680 |
| Net interest margin | 4.6281% | 936 |
| Noninterest income to average assets | 0.7375% | 2,751 |
| Noninterest expense to average assets | 3.3227% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6891% | 457 |
| Return on assets (ROA) | 1.6891% | 483 |
| Pretax return on assets | 1.6891% | 801 |
| Return on Equity (ROE) | 11.7363% | 1,223 |
| Retained earnings to average equity (ytd only) | 3.9449% | 2,442 |
| Net charge-offs to loans | -0.4329% | 7,941 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7303% | 6,803 |
| Assets per employee ($millions) | 3.8874% | 4,053 |
| Cash dividends to net income (ytd only)* | 66.3876% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4548% | 1,281 |
| Loan loss allowance to noncurrent loans | 248.1865% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 5,673 |
| Noncurrent loans to loans | 0.9891% | 5,339 |
| Net loans and leases to total assets | 37.6632% | 7,456 |
| Net loans and leases to deposits | 50.2787% | 7,250 |
| Net loans and leases to core deposits | 54.9125% | 7,443 |
| Total domestic deposits to total assets | 74.9090% | 6,877 |
| Equity capital to assets | 14.4827% | 1,030 |
| Core capital (leverage) ratio | 11.3718% | 1,989 |
| Tier 1 risk-based capital ratio | 25.2077% | 825 |
| Total risk-based capital ratio | 26.4662% | 802 |
| Memoranda: | ||
| Average total assets | $98,985,800 | 5,111 |
| Average earning assets | $91,419,200 | 5,078 |
| Average equity | $14,246,400 | 4,201 |
| Average total loans | $37,652,400 | 6,212 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 5,324 |
| Cost of funding earning assets | 0.7490% | 7,759 |
| Net interest margin | 4.5702% | 1,040 |
| Noninterest income to average assets | 0.7339% | 2,802 |
| Noninterest expense to average assets | 3.3568% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5911% | 675 |
| Return on assets (ROA) | 1.5911% | 727 |
| Pretax return on assets | 1.5911% | 1,192 |
| Return on Equity (ROE) | 11.0728% | 1,601 |
| Retained earnings to average equity (ytd only) | 3.4396% | 3,372 |
| Net charge-offs to loans | -0.5146% | 8,025 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1407% | 6,541 |
| Assets per employee ($millions) | 3.6889% | 4,450 |
| Cash dividends to net income (ytd only)* | 68.9359% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4116% | 1,158 |
| Loan loss allowance to noncurrent loans | 100.4278% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.2801% | 4,514 |
| Noncurrent loans to loans | 2.4014% | 3,135 |
| Net loans and leases to total assets | 38.1492% | 7,544 |
| Net loans and leases to deposits | 49.1998% | 7,448 |
| Net loans and leases to core deposits | 53.6931% | 7,602 |
| Total domestic deposits to total assets | 77.5394% | 6,208 |
| Equity capital to assets | 14.6133% | 1,114 |
| Core capital (leverage) ratio | 11.2489% | 2,223 |
| Tier 1 risk-based capital ratio | 24.9093% | 909 |
| Total risk-based capital ratio | 26.1929% | 881 |
| Memoranda: | ||
| Average total assets | $98,464,250 | 5,167 |
| Average earning assets | $90,788,250 | 5,133 |
| Average equity | $14,148,500 | 4,252 |
| Average total loans | $37,309,250 | 6,274 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3867% | 5,220 |
| Cost of funding earning assets | 0.7958% | 7,822 |
| Net interest margin | 4.5909% | 973 |
| Noninterest income to average assets | 0.7402% | 2,757 |
| Noninterest expense to average assets | 3.4256% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5374% | 772 |
| Return on assets (ROA) | 1.5374% | 828 |
| Pretax return on assets | 1.5374% | 1,355 |
| Return on Equity (ROE) | 10.7614% | 1,764 |
| Retained earnings to average equity (ytd only) | 6.3370% | 1,867 |
| Net charge-offs to loans | 0.1360% | 4,806 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 30.1600% | 993 |
| Efficiency ratio | 60.3533% | 6,487 |
| Assets per employee ($millions) | 3.6495% | 4,455 |
| Cash dividends to net income (ytd only)* | 41.1141% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0610% | 1,460 |
| Loan loss allowance to noncurrent loans | 95.7711% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 4,615 |
| Noncurrent loans to loans | 2.1520% | 3,308 |
| Net loans and leases to total assets | 37.1333% | 7,673 |
| Net loans and leases to deposits | 48.3579% | 7,552 |
| Net loans and leases to core deposits | 52.5062% | 7,695 |
| Total domestic deposits to total assets | 76.7884% | 6,380 |
| Equity capital to assets | 14.4321% | 1,185 |
| Core capital (leverage) ratio | 10.6384% | 2,707 |
| Tier 1 risk-based capital ratio | 24.1528% | 1,017 |
| Total risk-based capital ratio | 25.4301% | 997 |
| Memoranda: | ||
| Average total assets | $98,085,330 | 5,213 |
| Average earning assets | $90,221,670 | 5,188 |
| Average equity | $14,013,000 | 4,303 |
| Average total loans | $36,767,000 | 6,354 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4536% | 5,162 |
| Cost of funding earning assets | 0.8510% | 7,866 |
| Net interest margin | 4.6026% | 933 |
| Noninterest income to average assets | 0.7030% | 2,871 |
| Noninterest expense to average assets | 3.4580% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4674% | 1,002 |
| Return on assets (ROA) | 1.4674% | 1,076 |
| Pretax return on assets | 1.4674% | 1,762 |
| Return on Equity (ROE) | 10.3243% | 2,188 |
| Retained earnings to average equity (ytd only) | 10.3243% | 1,114 |
| Net charge-offs to loans | 0.2523% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 15.6087% | 1,599 |
| Efficiency ratio | 61.4938% | 6,157 |
| Assets per employee ($millions) | 3.7004% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1370% | 1,172 |
| Loan loss allowance to noncurrent loans | 79.4239% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.9888% | 2,922 |
| Noncurrent loans to loans | 2.6907% | 2,444 |
| Net loans and leases to total assets | 35.3848% | 7,755 |
| Net loans and leases to deposits | 43.9752% | 7,723 |
| Net loans and leases to core deposits | 47.6828% | 7,839 |
| Total domestic deposits to total assets | 80.4654% | 5,185 |
| Equity capital to assets | 14.2728% | 1,289 |
| Core capital (leverage) ratio | 10.5830% | 2,836 |
| Tier 1 risk-based capital ratio | 23.9058% | 1,097 |
| Total risk-based capital ratio | 25.0997% | 1,077 |
| Memoranda: | ||
| Average total assets | $97,859,500 | 5,241 |
| Average earning assets | $89,775,000 | 5,229 |
| Average equity | $13,909,000 | 4,353 |
| Average total loans | $36,470,500 | 6,414 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6670% | 6,878 |
| Cost of funding earning assets | 1.1598% | 7,972 |
| Net interest margin | 4.5071% | 1,401 |
| Noninterest income to average assets | 0.9238% | 1,878 |
| Noninterest expense to average assets | 3.8200% | 1,717 |
| Loan and lease loss provision to assets | 0.1391% | 5,579 |
| Net operating income to assets | 1.0651% | 2,279 |
| Return on assets (ROA) | 1.0651% | 2,190 |
| Pretax return on assets | 1.0651% | 3,160 |
| Return on Equity (ROE) | 7.6629% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.6629% | 941 |
| Net charge-offs to loans | -0.1678% | 8,150 |
| Credit loss provision to net charge-offs | -213.5593% | 7,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6740% | 4,982 |
| Assets per employee ($millions) | 3.5485% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1594% | 992 |
| Loan loss allowance to noncurrent loans | 38.4988% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 2.1553% | 2,274 |
| Noncurrent loans to loans | 5.6090% | 705 |
| Net loans and leases to total assets | 37.5967% | 7,770 |
| Net loans and leases to deposits | 48.4244% | 7,695 |
| Net loans and leases to core deposits | 54.6004% | 7,784 |
| Total domestic deposits to total assets | 77.6399% | 5,824 |
| Equity capital to assets | 14.1511% | 1,387 |
| Core capital (leverage) ratio | 11.2858% | 2,379 |
| Tier 1 risk-based capital ratio | 24.4801% | 1,035 |
| Total risk-based capital ratio | 25.7616% | 1,012 |
| Memoranda: | ||
| Average total assets | $90,601,600 | 5,333 |
| Average earning assets | $82,424,600 | 5,352 |
| Average equity | $12,593,200 | 4,676 |
| Average total loans | $35,160,000 | 6,416 |