Home > Farmers State Bank of Hamel > Performance and Condition Ratios
Farmers State Bank of Hamel, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4434% | 4,412 |
| Cost of funding earning assets | 1.2868% | 2,561 |
| Net interest margin | 2.1566% | 4,342 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.6881% | 4,147 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4894% | 3,689 |
| Return on assets (ROA) | 0.4894% | 3,690 |
| Pretax return on assets | 0.5406% | 3,742 |
| Return on Equity (ROE) | 23.2300% | 392 |
| Retained earnings to average equity (ytd only) | 9.6118% | 1,113 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.5720% | 1,495 |
| Assets per employee ($millions) | 8.1400% | 1,366 |
| Cash dividends to net income (ytd only)* | 58.6207% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 1,803 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 35.4400% | 4,173 |
| Net loans and leases to deposits | 40.1740% | 4,197 |
| Net loans and leases to core deposits | 44.9212% | 4,181 |
| Total domestic deposits to total assets | 88.2100% | 1,283 |
| Equity capital to assets | 3.2999% | 4,535 |
| Core capital (leverage) ratio | 9.3935% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2140% | 673 |
| Memoranda: | ||
| Average total assets | $177,778,800 | 3,145 |
| Average earning assets | $170,501,600 | 3,089 |
| Average equity | $3,745,400 | 4,372 |
| Average total loans | $60,461,600 | 3,701 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3480% | 4,438 |
| Cost of funding earning assets | 1.1894% | 2,463 |
| Net interest margin | 2.1586% | 4,374 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.6205% | 4,217 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.5799% | 3,597 |
| Return on assets (ROA) | 0.5799% | 3,582 |
| Pretax return on assets | 0.6225% | 3,704 |
| Return on Equity (ROE) | 32.4300% | 185 |
| Retained earnings to average equity (ytd only) | 10.7522% | 1,199 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.5960% | 1,724 |
| Assets per employee ($millions) | 7.8537% | 1,425 |
| Cash dividends to net income (ytd only)* | 66.8414% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 1,930 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 34.8800% | 4,220 |
| Net loans and leases to deposits | 36.9053% | 4,276 |
| Net loans and leases to core deposits | 40.5319% | 4,246 |
| Total domestic deposits to total assets | 94.5000% | 146 |
| Equity capital to assets | 0.8819% | 4,578 |
| Core capital (leverage) ratio | 9.4886% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3388% | 780 |
| Memoranda: | ||
| Average total assets | $175,418,750 | 3,174 |
| Average earning assets | $168,375,250 | 3,119 |
| Average equity | $3,137,250 | 4,433 |
| Average total loans | $58,773,500 | 3,731 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2248% | 4,491 |
| Cost of funding earning assets | 1.0942% | 2,290 |
| Net interest margin | 2.1307% | 4,450 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.6974% | 4,150 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5240% | 3,757 |
| Return on assets (ROA) | 0.5240% | 3,766 |
| Pretax return on assets | 0.5608% | 3,868 |
| Return on Equity (ROE) | 24.9200% | 388 |
| Retained earnings to average equity (ytd only) | -3.0120% | 4,345 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.9746% | 1,257 |
| Assets per employee ($millions) | 7.8297% | 1,402 |
| Cash dividends to net income (ytd only)* | 112.0879% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 1,766 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 31.0200% | 4,305 |
| Net loans and leases to deposits | 33.2332% | 4,345 |
| Net loans and leases to core deposits | 36.2124% | 4,322 |
| Total domestic deposits to total assets | 93.3300% | 204 |
| Equity capital to assets | 2.1190% | 4,601 |
| Core capital (leverage) ratio | 9.4869% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1875% | 619 |
| Memoranda: | ||
| Average total assets | $173,680,000 | 3,189 |
| Average earning assets | $166,520,000 | 3,141 |
| Average equity | $3,652,000 | 4,425 |
| Average total loans | $57,091,000 | 3,765 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0935% | 4,530 |
| Cost of funding earning assets | 0.9594% | 2,184 |
| Net interest margin | 2.1341% | 4,522 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.5885% | 4,316 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6335% | 3,627 |
| Return on assets (ROA) | 0.6335% | 3,581 |
| Pretax return on assets | 0.6499% | 3,756 |
| Return on Equity (ROE) | 30.2500% | 230 |
| Retained earnings to average equity (ytd only) | -26.8908% | 4,630 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.5944% | 1,691 |
| Assets per employee ($millions) | 7.4097% | 1,676 |
| Cash dividends to net income (ytd only)* | 188.8889% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,915 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 33.0600% | 4,294 |
| Net loans and leases to deposits | 34.3996% | 4,366 |
| Net loans and leases to core deposits | 36.7669% | 4,349 |
| Total domestic deposits to total assets | 96.1200% | 46 |
| Equity capital to assets | 2.3700% | 4,623 |
| Core capital (leverage) ratio | 9.7488% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3388% | 626 |
| Memoranda: | ||
| Average total assets | $170,478,000 | 3,257 |
| Average earning assets | $163,440,500 | 3,209 |
| Average equity | $3,570,000 | 4,492 |
| Average total loans | $57,331,000 | 3,803 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6228% | 4,449 |
| Cost of funding earning assets | 0.3500% | 2,472 |
| Net interest margin | 2.2728% | 4,443 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.6713% | 4,220 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.6371% | 3,785 |
| Return on assets (ROA) | 0.6070% | 3,816 |
| Pretax return on assets | 0.6658% | 3,918 |
| Return on Equity (ROE) | 16.9400% | 873 |
| Retained earnings to average equity (ytd only) | 8.3349% | 1,708 |
| Net charge-offs to loans | 0.0018% | 2,478 |
| Credit loss provision to net charge-offs | 5,700.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 1,304.0000% | 136 |
| Efficiency ratio | 69.5754% | 1,751 |
| Assets per employee ($millions) | 7.7515% | 1,461 |
| Cash dividends to net income (ytd only)* | 50.7849% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 1,862 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 33.3100% | 4,307 |
| Net loans and leases to deposits | 34.0252% | 4,396 |
| Net loans and leases to core deposits | 35.5618% | 4,381 |
| Total domestic deposits to total assets | 97.9000% | 34 |
| Equity capital to assets | 1.8184% | 4,655 |
| Core capital (leverage) ratio | 9.7029% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $178,424,200 | 3,206 |
| Average earning assets | $171,421,800 | 3,135 |
| Average equity | $6,394,800 | 4,286 |
| Average total loans | $55,485,200 | 3,820 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4917% | 4,449 |
| Cost of funding earning assets | 0.3072% | 2,090 |
| Net interest margin | 2.1845% | 4,472 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.5610% | 4,351 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.6950% | 3,580 |
| Return on assets (ROA) | 0.7184% | 3,464 |
| Pretax return on assets | 0.7694% | 3,655 |
| Return on Equity (ROE) | 17.9500% | 648 |
| Retained earnings to average equity (ytd only) | 7.7949% | 2,084 |
| Net charge-offs to loans | 0.0024% | 2,180 |
| Credit loss provision to net charge-offs | 3,300.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 1,040.0000% | 146 |
| Efficiency ratio | 67.0051% | 2,155 |
| Assets per employee ($millions) | 7.6930% | 1,492 |
| Cash dividends to net income (ytd only)* | 56.5844% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,194 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 32.1000% | 4,372 |
| Net loans and leases to deposits | 32.3067% | 4,457 |
| Net loans and leases to core deposits | 33.5305% | 4,455 |
| Total domestic deposits to total assets | 99.3600% | 24 |
| Equity capital to assets | 0.3736% | 4,710 |
| Core capital (leverage) ratio | 9.2274% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $180,397,250 | 3,205 |
| Average earning assets | $173,582,000 | 3,143 |
| Average equity | $7,218,250 | 4,225 |
| Average total loans | $54,967,500 | 3,835 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3529% | 4,492 |
| Cost of funding earning assets | 0.2874% | 1,826 |
| Net interest margin | 2.0656% | 4,526 |
| Noninterest income to average assets | 0.2137% | 3,924 |
| Noninterest expense to average assets | 1.6161% | 4,288 |
| Loan and lease loss provision to assets | 0.0364% | 1,935 |
| Net operating income to assets | 0.5053% | 3,879 |
| Return on assets (ROA) | 0.5398% | 3,750 |
| Pretax return on assets | 0.5861% | 3,840 |
| Return on Equity (ROE) | 10.4211% | 2,184 |
| Retained earnings to average equity (ytd only) | -1.2761% | 4,320 |
| Net charge-offs to loans | 0.0037% | 1,905 |
| Credit loss provision to net charge-offs | 3,300.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 531.0000% | 242 |
| Efficiency ratio | 73.4234% | 1,579 |
| Assets per employee ($millions) | 7.7830% | 1,426 |
| Cash dividends to net income (ytd only)* | 112.2449% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 30.5821% | 4,443 |
| Net loans and leases to deposits | 31.5123% | 4,512 |
| Net loans and leases to core deposits | 32.4723% | 4,521 |
| Total domestic deposits to total assets | 97.0482% | 45 |
| Equity capital to assets | 2.6887% | 4,706 |
| Core capital (leverage) ratio | 9.0745% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,550,333 | 3,231 |
| Average earning assets | $174,674,667 | 3,176 |
| Average equity | $9,404,000 | 4,059 |
| Average total loans | $54,114,667 | 3,886 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2859% | 4,465 |
| Cost of funding earning assets | 0.2863% | 1,766 |
| Net interest margin | 1.9996% | 4,514 |
| Noninterest income to average assets | 0.2210% | 3,830 |
| Noninterest expense to average assets | 1.4222% | 4,514 |
| Loan and lease loss provision to assets | 0.0328% | 1,780 |
| Net operating income to assets | 0.6598% | 3,197 |
| Return on assets (ROA) | 0.7242% | 2,954 |
| Pretax return on assets | 0.7592% | 3,229 |
| Return on Equity (ROE) | 11.3167% | 1,515 |
| Retained earnings to average equity (ytd only) | -7.4875% | 4,512 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2589% | 2,737 |
| Assets per employee ($millions) | 8.0392% | 1,338 |
| Cash dividends to net income (ytd only)* | 166.1631% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 30.9162% | 4,421 |
| Net loans and leases to deposits | 32.5435% | 4,479 |
| Net loans and leases to core deposits | 33.5575% | 4,490 |
| Total domestic deposits to total assets | 94.9995% | 40 |
| Equity capital to assets | 4.5895% | 4,752 |
| Core capital (leverage) ratio | 8.5476% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0573% | 556 |
| Memoranda: | ||
| Average total assets | $182,820,500 | 3,227 |
| Average earning assets | $176,036,500 | 3,175 |
| Average equity | $11,699,500 | 3,888 |
| Average total loans | $53,435,500 | 3,912 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4822% | 4,494 |
| Cost of funding earning assets | 0.3044% | 2,368 |
| Net interest margin | 2.1778% | 4,499 |
| Noninterest income to average assets | 0.2411% | 3,935 |
| Noninterest expense to average assets | 1.6141% | 4,407 |
| Loan and lease loss provision to assets | 0.0087% | 2,904 |
| Net operating income to assets | 0.6483% | 3,752 |
| Return on assets (ROA) | 0.6598% | 3,777 |
| Pretax return on assets | 0.7232% | 3,882 |
| Return on Equity (ROE) | 7.5119% | 3,373 |
| Retained earnings to average equity (ytd only) | 2.8442% | 3,710 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1731% | 1,838 |
| Assets per employee ($millions) | 8.5809% | 1,056 |
| Cash dividends to net income (ytd only)* | 62.1375% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 26.9018% | 4,598 |
| Net loans and leases to deposits | 29.3533% | 4,634 |
| Net loans and leases to core deposits | 30.2364% | 4,638 |
| Total domestic deposits to total assets | 91.6484% | 280 |
| Equity capital to assets | 8.0952% | 4,309 |
| Core capital (leverage) ratio | 8.2925% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,945,400 | 3,186 |
| Average earning assets | $175,771,600 | 3,127 |
| Average equity | $16,067,800 | 3,534 |
| Average total loans | $55,067,800 | 3,913 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5782% | 4,517 |
| Cost of funding earning assets | 0.3115% | 2,483 |
| Net interest margin | 2.2667% | 4,515 |
| Noninterest income to average assets | 0.2410% | 3,954 |
| Noninterest expense to average assets | 1.4987% | 4,596 |
| Loan and lease loss provision to assets | 0.0116% | 2,756 |
| Net operating income to assets | 0.9058% | 3,224 |
| Return on assets (ROA) | 0.9154% | 3,267 |
| Pretax return on assets | 0.9161% | 3,657 |
| Return on Equity (ROE) | 10.2144% | 2,658 |
| Retained earnings to average equity (ytd only) | 4.0661% | 3,558 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0061% | 2,698 |
| Assets per employee ($millions) | 8.9519% | 906 |
| Cash dividends to net income (ytd only)* | 60.1926% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 2,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 25.8032% | 4,710 |
| Net loans and leases to deposits | 28.1586% | 4,737 |
| Net loans and leases to core deposits | 28.9246% | 4,745 |
| Total domestic deposits to total assets | 91.6351% | 206 |
| Equity capital to assets | 8.1177% | 4,458 |
| Core capital (leverage) ratio | 8.4626% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,487,000 | 3,230 |
| Average earning assets | $174,227,250 | 3,174 |
| Average equity | $16,264,250 | 3,566 |
| Average total loans | $55,964,500 | 3,946 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7412% | 4,413 |
| Cost of funding earning assets | 0.3237% | 2,556 |
| Net interest margin | 2.4175% | 4,407 |
| Noninterest income to average assets | 0.2597% | 3,835 |
| Noninterest expense to average assets | 1.5448% | 4,583 |
| Loan and lease loss provision to assets | 0.0181% | 2,597 |
| Net operating income to assets | 1.0162% | 2,840 |
| Return on assets (ROA) | 1.0253% | 2,885 |
| Pretax return on assets | 1.0265% | 3,383 |
| Return on Equity (ROE) | 11.0536% | 2,409 |
| Retained earnings to average equity (ytd only) | 1.8830% | 4,145 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8681% | 3,030 |
| Assets per employee ($millions) | 8.3404% | 1,067 |
| Cash dividends to net income (ytd only)* | 82.9646% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 31.1299% | 4,619 |
| Net loans and leases to deposits | 34.2485% | 4,674 |
| Net loans and leases to core deposits | 35.2536% | 4,691 |
| Total domestic deposits to total assets | 90.8943% | 409 |
| Equity capital to assets | 8.8387% | 3,936 |
| Core capital (leverage) ratio | 8.8376% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,335,667 | 3,275 |
| Average earning assets | $169,268,667 | 3,232 |
| Average equity | $16,356,667 | 3,571 |
| Average total loans | $57,448,333 | 3,944 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1518% | 3,777 |
| Cost of funding earning assets | 0.3424% | 2,593 |
| Net interest margin | 2.8093% | 3,740 |
| Noninterest income to average assets | 0.2593% | 3,848 |
| Noninterest expense to average assets | 1.4726% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4818% | 1,370 |
| Return on assets (ROA) | 1.5004% | 1,392 |
| Pretax return on assets | 1.5027% | 1,985 |
| Return on Equity (ROE) | 15.7799% | 1,065 |
| Retained earnings to average equity (ytd only) | -2.4839% | 4,569 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8042% | 4,201 |
| Assets per employee ($millions) | 7.9585% | 1,214 |
| Cash dividends to net income (ytd only)* | 115.7407% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 32.1985% | 4,627 |
| Net loans and leases to deposits | 35.5494% | 4,690 |
| Net loans and leases to core deposits | 36.7822% | 4,693 |
| Total domestic deposits to total assets | 90.5738% | 558 |
| Equity capital to assets | 9.1418% | 3,549 |
| Core capital (leverage) ratio | 9.0245% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,759,000 | 3,303 |
| Average earning assets | $165,875,000 | 3,257 |
| Average equity | $16,426,000 | 3,565 |
| Average total loans | $57,264,500 | 3,964 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2179% | 4,432 |
| Cost of funding earning assets | 0.4111% | 3,513 |
| Net interest margin | 2.8069% | 4,254 |
| Noninterest income to average assets | 0.3148% | 3,583 |
| Noninterest expense to average assets | 1.9280% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0154% | 2,237 |
| Return on assets (ROA) | 1.0512% | 2,239 |
| Pretax return on assets | 1.0518% | 2,872 |
| Return on Equity (ROE) | 9.8595% | 2,055 |
| Retained earnings to average equity (ytd only) | 6.1296% | 1,742 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4885% | 2,607 |
| Assets per employee ($millions) | 7.7469% | 1,142 |
| Cash dividends to net income (ytd only)* | 37.8310% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 33.3236% | 4,668 |
| Net loans and leases to deposits | 38.2443% | 4,697 |
| Net loans and leases to core deposits | 39.6554% | 4,708 |
| Total domestic deposits to total assets | 87.1333% | 1,871 |
| Equity capital to assets | 9.8843% | 3,230 |
| Core capital (leverage) ratio | 9.3139% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,881,000 | 3,400 |
| Average earning assets | $141,332,400 | 3,367 |
| Average equity | $16,086,000 | 3,543 |
| Average total loans | $56,203,400 | 3,979 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 4,107 |
| Cost of funding earning assets | 0.4422% | 3,571 |
| Net interest margin | 3.1177% | 3,696 |
| Noninterest income to average assets | 0.3196% | 3,571 |
| Noninterest expense to average assets | 1.8658% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3507% | 1,230 |
| Return on assets (ROA) | 1.3900% | 1,221 |
| Pretax return on assets | 1.3909% | 1,766 |
| Return on Equity (ROE) | 12.7660% | 1,178 |
| Retained earnings to average equity (ytd only) | 7.7334% | 1,400 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9903% | 3,666 |
| Assets per employee ($millions) | 7.4165% | 1,267 |
| Cash dividends to net income (ytd only)* | 39.4218% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 36.9980% | 4,642 |
| Net loans and leases to deposits | 41.4193% | 4,708 |
| Net loans and leases to core deposits | 43.1464% | 4,726 |
| Total domestic deposits to total assets | 89.3254% | 637 |
| Equity capital to assets | 10.3651% | 2,906 |
| Core capital (leverage) ratio | 9.7240% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,993,250 | 3,434 |
| Average earning assets | $135,695,250 | 3,416 |
| Average equity | $15,896,000 | 3,562 |
| Average total loans | $55,885,750 | 4,003 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 3,290 |
| Cost of funding earning assets | 0.4632% | 3,728 |
| Net interest margin | 3.5488% | 2,640 |
| Noninterest income to average assets | 0.3878% | 3,157 |
| Noninterest expense to average assets | 1.9733% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7010% | 623 |
| Return on assets (ROA) | 1.7623% | 596 |
| Pretax return on assets | 1.7637% | 873 |
| Return on Equity (ROE) | 15.8896% | 587 |
| Retained earnings to average equity (ytd only) | 8.1762% | 1,252 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6850% | 4,214 |
| Assets per employee ($millions) | 7.1151% | 1,382 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 2,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 38.0540% | 4,667 |
| Net loans and leases to deposits | 42.7905% | 4,726 |
| Net loans and leases to core deposits | 44.5674% | 4,743 |
| Total domestic deposits to total assets | 88.9308% | 770 |
| Equity capital to assets | 10.7447% | 2,530 |
| Core capital (leverage) ratio | 10.3159% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,270,000 | 3,479 |
| Average earning assets | $129,958,333 | 3,475 |
| Average equity | $15,557,333 | 3,599 |
| Average total loans | $54,165,333 | 4,055 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 4,698 |
| Cost of funding earning assets | 0.4985% | 3,953 |
| Net interest margin | 2.9426% | 4,364 |
| Noninterest income to average assets | 0.3118% | 3,645 |
| Noninterest expense to average assets | 1.9313% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1503% | 1,688 |
| Return on assets (ROA) | 1.1533% | 1,789 |
| Pretax return on assets | 1.1533% | 2,357 |
| Return on Equity (ROE) | 10.2100% | 1,676 |
| Retained earnings to average equity (ytd only) | -5.8688% | 4,579 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6719% | 3,415 |
| Assets per employee ($millions) | 6.1099% | 1,589 |
| Cash dividends to net income (ytd only)* | 157.4803% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 37.0873% | 4,750 |
| Net loans and leases to deposits | 41.9199% | 4,802 |
| Net loans and leases to core deposits | 43.8556% | 4,811 |
| Total domestic deposits to total assets | 88.4718% | 899 |
| Equity capital to assets | 11.1495% | 2,723 |
| Core capital (leverage) ratio | 11.0360% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1459% | 386 |
| Memoranda: | ||
| Average total assets | $132,138,500 | 3,561 |
| Average earning assets | $124,381,500 | 3,518 |
| Average equity | $14,926,500 | 3,667 |
| Average total loans | $51,124,500 | 4,136 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4685% | 4,875 |
| Cost of funding earning assets | 0.4414% | 4,301 |
| Net interest margin | 3.0271% | 4,489 |
| Noninterest income to average assets | 0.2454% | 4,214 |
| Noninterest expense to average assets | 2.1237% | 4,320 |
| Loan and lease loss provision to assets | 0.0114% | 3,785 |
| Net operating income to assets | 0.9817% | 2,909 |
| Return on assets (ROA) | 1.0068% | 2,913 |
| Pretax return on assets | 1.0068% | 3,449 |
| Return on Equity (ROE) | 9.3449% | 2,589 |
| Retained earnings to average equity (ytd only) | 5.8185% | 1,968 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1375% | 2,437 |
| Assets per employee ($millions) | 6.1838% | 1,498 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 1,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.3011% | 4,763 |
| Net loans and leases to deposits | 44.5807% | 4,817 |
| Net loans and leases to core deposits | 46.4686% | 4,826 |
| Total domestic deposits to total assets | 88.1572% | 1,055 |
| Equity capital to assets | 11.4478% | 2,575 |
| Core capital (leverage) ratio | 11.2037% | 2,333 |
| Tier 1 risk-based capital ratio | 25.1781% | 736 |
| Total risk-based capital ratio | 26.3412% | 728 |
| Memoranda: | ||
| Average total assets | $131,608,400 | 3,546 |
| Average earning assets | $124,837,200 | 3,496 |
| Average equity | $14,178,800 | 3,725 |
| Average total loans | $50,294,400 | 4,174 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4609% | 4,978 |
| Cost of funding earning assets | 0.4247% | 4,421 |
| Net interest margin | 3.0361% | 4,575 |
| Noninterest income to average assets | 0.2322% | 4,348 |
| Noninterest expense to average assets | 2.0639% | 4,424 |
| Loan and lease loss provision to assets | -0.0151% | 5,067 |
| Net operating income to assets | 1.0552% | 2,765 |
| Return on assets (ROA) | 1.0582% | 2,822 |
| Pretax return on assets | 1.0592% | 3,415 |
| Return on Equity (ROE) | 9.9757% | 2,440 |
| Retained earnings to average equity (ytd only) | 5.2163% | 2,789 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4715% | 2,669 |
| Assets per employee ($millions) | 5.5660% | 1,970 |
| Cash dividends to net income (ytd only)* | 47.7099% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 37.8780% | 4,870 |
| Net loans and leases to deposits | 42.7097% | 4,943 |
| Net loans and leases to core deposits | 44.5763% | 4,946 |
| Total domestic deposits to total assets | 88.6873% | 750 |
| Equity capital to assets | 10.9272% | 3,164 |
| Core capital (leverage) ratio | 11.0930% | 2,566 |
| Tier 1 risk-based capital ratio | 24.3674% | 814 |
| Total risk-based capital ratio | 25.4642% | 814 |
| Memoranda: | ||
| Average total assets | $132,045,750 | 3,573 |
| Average earning assets | $124,936,250 | 3,531 |
| Average equity | $14,007,000 | 3,782 |
| Average total loans | $49,938,750 | 4,235 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4319% | 5,060 |
| Cost of funding earning assets | 0.4342% | 4,377 |
| Net interest margin | 2.9977% | 4,694 |
| Noninterest income to average assets | 0.2372% | 4,338 |
| Noninterest expense to average assets | 2.0634% | 4,479 |
| Loan and lease loss provision to assets | -0.0304% | 5,150 |
| Net operating income to assets | 1.0598% | 2,682 |
| Return on assets (ROA) | 1.0400% | 2,838 |
| Pretax return on assets | 1.0400% | 3,416 |
| Return on Equity (ROE) | 9.9056% | 2,440 |
| Retained earnings to average equity (ytd only) | 2.6647% | 3,867 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7158% | 2,714 |
| Assets per employee ($millions) | 6.4861% | 1,246 |
| Cash dividends to net income (ytd only)* | 73.0994% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 37.8903% | 4,918 |
| Net loans and leases to deposits | 42.7565% | 4,981 |
| Net loans and leases to core deposits | 44.3566% | 4,990 |
| Total domestic deposits to total assets | 88.6187% | 820 |
| Equity capital to assets | 10.9781% | 3,089 |
| Core capital (leverage) ratio | 10.8425% | 2,753 |
| Tier 1 risk-based capital ratio | 24.2864% | 818 |
| Total risk-based capital ratio | 25.3992% | 815 |
| Memoranda: | ||
| Average total assets | $131,533,000 | 3,602 |
| Average earning assets | $125,295,670 | 3,546 |
| Average equity | $13,810,330 | 3,816 |
| Average total loans | $49,501,670 | 4,267 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3872% | 5,123 |
| Cost of funding earning assets | 0.4242% | 4,383 |
| Net interest margin | 2.9630% | 4,800 |
| Noninterest income to average assets | 0.2416% | 4,276 |
| Noninterest expense to average assets | 1.9692% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0994% | 2,472 |
| Return on assets (ROA) | 1.0782% | 2,599 |
| Pretax return on assets | 1.0782% | 3,210 |
| Return on Equity (ROE) | 10.5039% | 2,152 |
| Retained earnings to average equity (ytd only) | -4.2074% | 4,878 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1732% | 3,210 |
| Assets per employee ($millions) | 5.5288% | 1,958 |
| Cash dividends to net income (ytd only)* | 140.0560% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 1,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 36.1981% | 5,015 |
| Net loans and leases to deposits | 40.5405% | 5,070 |
| Net loans and leases to core deposits | 41.9956% | 5,081 |
| Total domestic deposits to total assets | 89.2887% | 734 |
| Equity capital to assets | 10.3141% | 3,514 |
| Core capital (leverage) ratio | 10.4728% | 3,076 |
| Tier 1 risk-based capital ratio | 23.5133% | 886 |
| Total risk-based capital ratio | 24.6504% | 873 |
| Memoranda: | ||
| Average total assets | $132,438,500 | 3,627 |
| Average earning assets | $126,358,500 | 3,566 |
| Average equity | $13,595,000 | 3,855 |
| Average total loans | $49,353,500 | 4,317 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2523% | 5,112 |
| Cost of funding earning assets | 0.3524% | 4,270 |
| Net interest margin | 2.8999% | 4,920 |
| Noninterest income to average assets | 0.2377% | 4,496 |
| Noninterest expense to average assets | 2.1042% | 4,555 |
| Loan and lease loss provision to assets | 0.0787% | 2,554 |
| Net operating income to assets | 0.8309% | 3,690 |
| Return on assets (ROA) | 0.7987% | 3,815 |
| Pretax return on assets | 0.7994% | 4,169 |
| Return on Equity (ROE) | 8.2049% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.1233% | 2,704 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8010% | 2,219 |
| Assets per employee ($millions) | 5.5077% | 1,946 |
| Cash dividends to net income (ytd only)* | 37.5587% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 1,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 37.3287% | 5,036 |
| Net loans and leases to deposits | 41.7623% | 5,087 |
| Net loans and leases to core deposits | 43.3621% | 5,092 |
| Total domestic deposits to total assets | 89.3838% | 701 |
| Equity capital to assets | 10.2160% | 3,453 |
| Core capital (leverage) ratio | 10.2326% | 3,324 |
| Tier 1 risk-based capital ratio | 23.3559% | 877 |
| Total risk-based capital ratio | 24.4738% | 867 |
| Memoranda: | ||
| Average total assets | $133,350,000 | 3,602 |
| Average earning assets | $127,693,400 | 3,529 |
| Average equity | $12,980,000 | 3,884 |
| Average total loans | $46,853,000 | 4,376 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1685% | 5,214 |
| Cost of funding earning assets | 0.3348% | 4,279 |
| Net interest margin | 2.8337% | 5,051 |
| Noninterest income to average assets | 0.2255% | 4,622 |
| Noninterest expense to average assets | 2.0652% | 4,612 |
| Loan and lease loss provision to assets | 0.0599% | 2,783 |
| Net operating income to assets | 0.8101% | 3,870 |
| Return on assets (ROA) | 0.7912% | 3,948 |
| Pretax return on assets | 0.7922% | 4,319 |
| Return on Equity (ROE) | 8.2287% | 3,451 |
| Retained earnings to average equity (ytd only) | 4.0781% | 3,735 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3364% | 2,145 |
| Assets per employee ($millions) | 5.7472% | 1,691 |
| Cash dividends to net income (ytd only)* | 50.4412% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 34.8771% | 5,179 |
| Net loans and leases to deposits | 38.6628% | 5,234 |
| Net loans and leases to core deposits | 40.0625% | 5,240 |
| Total domestic deposits to total assets | 90.2083% | 436 |
| Equity capital to assets | 9.4183% | 4,168 |
| Core capital (leverage) ratio | 10.0691% | 3,560 |
| Tier 1 risk-based capital ratio | 22.8999% | 946 |
| Total risk-based capital ratio | 23.9422% | 949 |
| Memoranda: | ||
| Average total assets | $133,641,250 | 3,626 |
| Average earning assets | $127,840,500 | 3,566 |
| Average equity | $12,849,000 | 3,935 |
| Average total loans | $46,064,000 | 4,446 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1088% | 5,282 |
| Cost of funding earning assets | 0.3336% | 4,177 |
| Net interest margin | 2.7751% | 5,150 |
| Noninterest income to average assets | 0.2103% | 4,753 |
| Noninterest expense to average assets | 2.1133% | 4,571 |
| Loan and lease loss provision to assets | 0.0605% | 2,692 |
| Net operating income to assets | 0.6898% | 4,223 |
| Return on assets (ROA) | 0.6611% | 4,322 |
| Pretax return on assets | 0.6626% | 4,611 |
| Return on Equity (ROE) | 6.8272% | 3,950 |
| Retained earnings to average equity (ytd only) | 0.5780% | 4,842 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7592% | 1,741 |
| Assets per employee ($millions) | 5.2228% | 2,175 |
| Cash dividends to net income (ytd only)* | 91.5332% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 33.5933% | 5,252 |
| Net loans and leases to deposits | 37.2214% | 5,298 |
| Net loans and leases to core deposits | 38.5862% | 5,313 |
| Total domestic deposits to total assets | 90.2527% | 483 |
| Equity capital to assets | 9.3746% | 4,211 |
| Core capital (leverage) ratio | 10.2532% | 3,289 |
| Tier 1 risk-based capital ratio | 22.6350% | 969 |
| Total risk-based capital ratio | 23.6589% | 974 |
| Memoranda: | ||
| Average total assets | $132,210,670 | 3,673 |
| Average earning assets | $126,481,000 | 3,614 |
| Average equity | $12,801,670 | 3,959 |
| Average total loans | $45,176,000 | 4,518 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0912% | 5,319 |
| Cost of funding earning assets | 0.3342% | 4,110 |
| Net interest margin | 2.7570% | 5,200 |
| Noninterest income to average assets | 0.2208% | 4,686 |
| Noninterest expense to average assets | 2.0242% | 4,801 |
| Loan and lease loss provision to assets | 0.1073% | 1,741 |
| Net operating income to assets | 0.7177% | 4,041 |
| Return on assets (ROA) | 0.6563% | 4,267 |
| Pretax return on assets | 0.6594% | 4,548 |
| Return on Equity (ROE) | 6.6680% | 3,921 |
| Retained earnings to average equity (ytd only) | -5.7955% | 5,241 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9677% | 2,348 |
| Assets per employee ($millions) | 5.3579% | 2,083 |
| Cash dividends to net income (ytd only)* | 186.9159% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 35.4079% | 5,227 |
| Net loans and leases to deposits | 39.4225% | 5,276 |
| Net loans and leases to core deposits | 40.9481% | 5,287 |
| Total domestic deposits to total assets | 89.8165% | 729 |
| Equity capital to assets | 9.7970% | 3,798 |
| Core capital (leverage) ratio | 10.2568% | 3,233 |
| Tier 1 risk-based capital ratio | 16.6671% | 2,222 |
| Total risk-based capital ratio | 17.4274% | 2,354 |
| Memoranda: | ||
| Average total assets | $130,420,000 | 3,743 |
| Average earning assets | $124,482,000 | 3,670 |
| Average equity | $12,837,500 | 3,990 |
| Average total loans | $44,655,000 | 4,576 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0445% | 5,330 |
| Cost of funding earning assets | 0.3144% | 4,006 |
| Net interest margin | 2.7301% | 5,249 |
| Noninterest income to average assets | 0.2613% | 4,576 |
| Noninterest expense to average assets | 2.0854% | 4,795 |
| Loan and lease loss provision to assets | 0.0397% | 3,473 |
| Net operating income to assets | 0.7282% | 3,479 |
| Return on assets (ROA) | 0.7544% | 3,412 |
| Pretax return on assets | 0.7552% | 4,373 |
| Return on Equity (ROE) | 7.3664% | 3,090 |
| Retained earnings to average equity (ytd only) | 5.0402% | 2,100 |
| Net charge-offs to loans | -0.0370% | 5,112 |
| Credit loss provision to net charge-offs | -333.3333% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0662% | 2,053 |
| Assets per employee ($millions) | 5.7500% | 1,711 |
| Cash dividends to net income (ytd only)* | 31.5789% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 32.2284% | 5,387 |
| Net loans and leases to deposits | 35.9119% | 5,432 |
| Net loans and leases to core deposits | 37.2651% | 5,433 |
| Total domestic deposits to total assets | 89.7429% | 657 |
| Equity capital to assets | 9.8881% | 3,833 |
| Core capital (leverage) ratio | 9.9421% | 3,529 |
| Tier 1 risk-based capital ratio | 17.0468% | 2,074 |
| Total risk-based capital ratio | 17.7685% | 2,197 |
| Memoranda: | ||
| Average total assets | $125,923,600 | 3,809 |
| Average earning assets | $119,590,800 | 3,751 |
| Average equity | $12,896,400 | 3,998 |
| Average total loans | $40,520,200 | 4,716 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0262% | 5,390 |
| Cost of funding earning assets | 0.3056% | 4,080 |
| Net interest margin | 2.7206% | 5,303 |
| Noninterest income to average assets | 0.2616% | 4,637 |
| Noninterest expense to average assets | 2.0481% | 4,853 |
| Loan and lease loss provision to assets | 0.0536% | 3,025 |
| Net operating income to assets | 0.7367% | 3,784 |
| Return on assets (ROA) | 0.7720% | 3,689 |
| Pretax return on assets | 0.7731% | 4,424 |
| Return on Equity (ROE) | 7.4699% | 3,405 |
| Retained earnings to average equity (ytd only) | 4.3575% | 3,310 |
| Net charge-offs to loans | -0.0468% | 5,148 |
| Credit loss provision to net charge-offs | -357.1429% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1299% | 2,188 |
| Assets per employee ($millions) | 5.7927% | 1,657 |
| Cash dividends to net income (ytd only)* | 41.6665% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 2,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 31.2640% | 5,470 |
| Net loans and leases to deposits | 34.8461% | 5,514 |
| Net loans and leases to core deposits | 36.0024% | 5,526 |
| Total domestic deposits to total assets | 89.7203% | 569 |
| Equity capital to assets | 9.9210% | 4,010 |
| Core capital (leverage) ratio | 9.8932% | 3,706 |
| Tier 1 risk-based capital ratio | 16.6097% | 2,283 |
| Total risk-based capital ratio | 17.3253% | 2,412 |
| Memoranda: | ||
| Average total assets | $124,342,000 | 3,873 |
| Average earning assets | $117,813,500 | 3,824 |
| Average equity | $12,851,250 | 4,043 |
| Average total loans | $39,854,500 | 4,786 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0198% | 5,419 |
| Cost of funding earning assets | 0.2983% | 4,096 |
| Net interest margin | 2.7214% | 5,338 |
| Noninterest income to average assets | 0.2389% | 4,810 |
| Noninterest expense to average assets | 2.1437% | 4,687 |
| Loan and lease loss provision to assets | 0.0659% | 2,652 |
| Net operating income to assets | 0.6130% | 4,249 |
| Return on assets (ROA) | 0.6673% | 4,054 |
| Pretax return on assets | 0.6690% | 4,630 |
| Return on Equity (ROE) | 6.3634% | 3,886 |
| Retained earnings to average equity (ytd only) | 1.6498% | 4,597 |
| Net charge-offs to loans | -0.0717% | 5,307 |
| Credit loss provision to net charge-offs | -285.7143% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9043% | 1,737 |
| Assets per employee ($millions) | 5.4748% | 1,893 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 32.7287% | 5,478 |
| Net loans and leases to deposits | 36.6374% | 5,527 |
| Net loans and leases to core deposits | 38.2155% | 5,539 |
| Total domestic deposits to total assets | 89.3313% | 795 |
| Equity capital to assets | 10.2954% | 3,573 |
| Core capital (leverage) ratio | 10.3603% | 3,059 |
| Tier 1 risk-based capital ratio | 23.0677% | 943 |
| Total risk-based capital ratio | 24.0681% | 949 |
| Memoranda: | ||
| Average total assets | $121,378,330 | 3,942 |
| Average earning assets | $115,306,670 | 3,890 |
| Average equity | $12,729,000 | 4,075 |
| Average total loans | $39,067,670 | 4,846 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0047% | 5,452 |
| Cost of funding earning assets | 0.2969% | 4,075 |
| Net interest margin | 2.7077% | 5,385 |
| Noninterest income to average assets | 0.2619% | 4,663 |
| Noninterest expense to average assets | 2.1292% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7019% | 3,692 |
| Return on assets (ROA) | 0.8127% | 3,222 |
| Pretax return on assets | 0.8161% | 4,052 |
| Return on Equity (ROE) | 7.6755% | 3,083 |
| Retained earnings to average equity (ytd only) | -1.8396% | 5,155 |
| Net charge-offs to loans | -0.1485% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1185% | 2,048 |
| Assets per employee ($millions) | 5.2341% | 2,151 |
| Cash dividends to net income (ytd only)* | 123.9669% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 2,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 30.8280% | 5,565 |
| Net loans and leases to deposits | 34.5965% | 5,608 |
| Net loans and leases to core deposits | 36.1567% | 5,617 |
| Total domestic deposits to total assets | 89.1074% | 1,101 |
| Equity capital to assets | 10.5097% | 3,176 |
| Core capital (leverage) ratio | 10.5301% | 2,870 |
| Tier 1 risk-based capital ratio | 23.0782% | 964 |
| Total risk-based capital ratio | 24.0184% | 985 |
| Memoranda: | ||
| Average total assets | $119,107,500 | 4,012 |
| Average earning assets | $113,157,500 | 3,962 |
| Average equity | $12,611,500 | 4,120 |
| Average total loans | $37,720,000 | 4,928 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0632% | 5,444 |
| Cost of funding earning assets | 0.3112% | 3,942 |
| Net interest margin | 2.7519% | 5,354 |
| Noninterest income to average assets | 0.2595% | 4,873 |
| Noninterest expense to average assets | 2.1295% | 4,941 |
| Loan and lease loss provision to assets | -0.0042% | 5,470 |
| Net operating income to assets | 0.7177% | 3,702 |
| Return on assets (ROA) | 0.7910% | 3,448 |
| Pretax return on assets | 0.7918% | 4,206 |
| Return on Equity (ROE) | 7.3165% | 3,311 |
| Retained earnings to average equity (ytd only) | 4.1998% | 2,919 |
| Net charge-offs to loans | -0.0159% | 5,066 |
| Credit loss provision to net charge-offs | 83.3333% | 2,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8815% | 2,153 |
| Assets per employee ($millions) | 5.1231% | 2,263 |
| Cash dividends to net income (ytd only)* | 42.5985% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 2,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 31.6725% | 5,608 |
| Net loans and leases to deposits | 35.6093% | 5,646 |
| Net loans and leases to core deposits | 37.4432% | 5,649 |
| Total domestic deposits to total assets | 88.9443% | 1,147 |
| Equity capital to assets | 10.6687% | 2,960 |
| Core capital (leverage) ratio | 10.4820% | 2,893 |
| Tier 1 risk-based capital ratio | 26.7210% | 641 |
| Total risk-based capital ratio | 27.7750% | 637 |
| Memoranda: | ||
| Average total assets | $118,711,200 | 4,020 |
| Average earning assets | $111,486,000 | 3,983 |
| Average equity | $12,834,000 | 4,115 |
| Average total loans | $37,649,600 | 4,959 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0777% | 5,491 |
| Cost of funding earning assets | 0.3151% | 3,927 |
| Net interest margin | 2.7626% | 5,415 |
| Noninterest income to average assets | 0.2522% | 4,956 |
| Noninterest expense to average assets | 2.0852% | 5,032 |
| Loan and lease loss provision to assets | -0.0146% | 5,658 |
| Net operating income to assets | 0.7657% | 3,530 |
| Return on assets (ROA) | 0.8643% | 3,207 |
| Pretax return on assets | 0.8655% | 4,097 |
| Return on Equity (ROE) | 7.9689% | 3,023 |
| Retained earnings to average equity (ytd only) | 3.8346% | 3,578 |
| Net charge-offs to loans | -0.0106% | 4,788 |
| Credit loss provision to net charge-offs | 433.3333% | 793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4887% | 2,371 |
| Assets per employee ($millions) | 5.3039% | 2,046 |
| Cash dividends to net income (ytd only)* | 51.8809% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 30.1582% | 5,712 |
| Net loans and leases to deposits | 34.0031% | 5,753 |
| Net loans and leases to core deposits | 35.4056% | 5,760 |
| Total domestic deposits to total assets | 88.6925% | 1,053 |
| Equity capital to assets | 10.9386% | 3,076 |
| Core capital (leverage) ratio | 10.3042% | 3,225 |
| Tier 1 risk-based capital ratio | 26.3311% | 691 |
| Total risk-based capital ratio | 27.3603% | 688 |
| Memoranda: | ||
| Average total assets | $118,931,250 | 4,040 |
| Average earning assets | $111,292,750 | 4,010 |
| Average equity | $12,899,750 | 4,139 |
| Average total loans | $37,607,750 | 5,004 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1228% | 5,523 |
| Cost of funding earning assets | 0.3175% | 3,928 |
| Net interest margin | 2.8053% | 5,419 |
| Noninterest income to average assets | 0.3596% | 4,195 |
| Noninterest expense to average assets | 2.1118% | 5,030 |
| Loan and lease loss provision to assets | 0.0119% | 3,867 |
| Net operating income to assets | 0.8718% | 2,998 |
| Return on assets (ROA) | 0.9923% | 2,566 |
| Pretax return on assets | 0.9940% | 3,610 |
| Return on Equity (ROE) | 9.1753% | 2,417 |
| Retained earnings to average equity (ytd only) | 2.9016% | 4,062 |
| Net charge-offs to loans | -0.0106% | 4,716 |
| Credit loss provision to net charge-offs | -350.0000% | 4,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4584% | 2,905 |
| Assets per employee ($millions) | 5.1950% | 2,089 |
| Cash dividends to net income (ytd only)* | 68.3761% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 2,395 |
| Loan loss allowance to noncurrent loans | 50,500.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,645 |
| Noncurrent loans to loans | 0.0027% | 5,508 |
| Net loans and leases to total assets | 30.2601% | 5,776 |
| Net loans and leases to deposits | 34.1923% | 5,820 |
| Net loans and leases to core deposits | 35.7506% | 5,816 |
| Total domestic deposits to total assets | 88.4997% | 1,166 |
| Equity capital to assets | 11.1237% | 2,920 |
| Core capital (leverage) ratio | 10.3869% | 3,090 |
| Tier 1 risk-based capital ratio | 26.8222% | 665 |
| Total risk-based capital ratio | 27.9282% | 659 |
| Memoranda: | ||
| Average total assets | $117,911,670 | 4,092 |
| Average earning assets | $110,863,000 | 4,040 |
| Average equity | $12,751,670 | 4,192 |
| Average total loans | $37,718,330 | 5,049 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1194% | 5,587 |
| Cost of funding earning assets | 0.3285% | 3,859 |
| Net interest margin | 2.7908% | 5,481 |
| Noninterest income to average assets | 0.3176% | 4,458 |
| Noninterest expense to average assets | 2.0286% | 5,268 |
| Loan and lease loss provision to assets | 0.0239% | 3,372 |
| Net operating income to assets | 0.9016% | 2,744 |
| Return on assets (ROA) | 1.1441% | 1,852 |
| Pretax return on assets | 1.1475% | 2,901 |
| Return on Equity (ROE) | 10.7355% | 1,700 |
| Retained earnings to average equity (ytd only) | -2.0830% | 5,391 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5912% | 3,364 |
| Assets per employee ($millions) | 5.0906% | 2,249 |
| Cash dividends to net income (ytd only)* | 119.4030% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 2,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 32.4536% | 5,770 |
| Net loans and leases to deposits | 36.5429% | 5,813 |
| Net loans and leases to core deposits | 38.2262% | 5,815 |
| Total domestic deposits to total assets | 88.8097% | 1,202 |
| Equity capital to assets | 10.8093% | 3,156 |
| Core capital (leverage) ratio | 10.3539% | 3,122 |
| Tier 1 risk-based capital ratio | 24.7877% | 835 |
| Total risk-based capital ratio | 25.8291% | 840 |
| Memoranda: | ||
| Average total assets | $117,125,500 | 4,139 |
| Average earning assets | $110,791,000 | 4,075 |
| Average equity | $12,482,000 | 4,243 |
| Average total loans | $38,247,000 | 5,070 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3010% | 5,349 |
| Cost of funding earning assets | 0.3558% | 3,641 |
| Net interest margin | 2.9453% | 5,260 |
| Noninterest income to average assets | 0.3486% | 4,415 |
| Noninterest expense to average assets | 2.3336% | 4,699 |
| Loan and lease loss provision to assets | -0.0141% | 5,643 |
| Net operating income to assets | 0.7764% | 3,439 |
| Return on assets (ROA) | 0.7773% | 3,510 |
| Pretax return on assets | 0.7773% | 4,270 |
| Return on Equity (ROE) | 7.2992% | 3,362 |
| Retained earnings to average equity (ytd only) | 3.9927% | 3,188 |
| Net charge-offs to loans | -0.0211% | 5,284 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3767% | 2,373 |
| Assets per employee ($millions) | 5.3258% | 1,977 |
| Cash dividends to net income (ytd only)* | 45.3001% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 32.0022% | 5,835 |
| Net loans and leases to deposits | 35.9099% | 5,892 |
| Net loans and leases to core deposits | 37.5527% | 5,889 |
| Total domestic deposits to total assets | 89.1181% | 1,063 |
| Equity capital to assets | 10.5047% | 3,352 |
| Core capital (leverage) ratio | 10.2314% | 3,221 |
| Tier 1 risk-based capital ratio | 25.1402% | 804 |
| Total risk-based capital ratio | 26.1740% | 808 |
| Memoranda: | ||
| Average total assets | $113,603,000 | 4,186 |
| Average earning assets | $105,966,600 | 4,144 |
| Average equity | $12,097,200 | 4,288 |
| Average total loans | $37,854,800 | 5,091 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3446% | 5,333 |
| Cost of funding earning assets | 0.3650% | 3,602 |
| Net interest margin | 2.9796% | 5,244 |
| Noninterest income to average assets | 0.3632% | 4,331 |
| Noninterest expense to average assets | 2.3883% | 4,543 |
| Loan and lease loss provision to assets | -0.0237% | 5,856 |
| Net operating income to assets | 0.7606% | 3,630 |
| Return on assets (ROA) | 0.7618% | 3,721 |
| Pretax return on assets | 0.7618% | 4,457 |
| Return on Equity (ROE) | 7.1290% | 3,552 |
| Retained earnings to average equity (ytd only) | 2.7011% | 4,494 |
| Net charge-offs to loans | -0.0247% | 5,270 |
| Credit loss provision to net charge-offs | 285.7143% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4194% | 2,174 |
| Assets per employee ($millions) | 5.1123% | 2,161 |
| Cash dividends to net income (ytd only)* | 62.1115% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 3,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 31.6302% | 5,935 |
| Net loans and leases to deposits | 35.5102% | 5,988 |
| Net loans and leases to core deposits | 37.1248% | 5,991 |
| Total domestic deposits to total assets | 89.0733% | 999 |
| Equity capital to assets | 10.5542% | 3,540 |
| Core capital (leverage) ratio | 10.2035% | 3,370 |
| Tier 1 risk-based capital ratio | 24.2966% | 917 |
| Total risk-based capital ratio | 25.3057% | 930 |
| Memoranda: | ||
| Average total assets | $112,712,000 | 4,253 |
| Average earning assets | $104,484,250 | 4,231 |
| Average equity | $12,044,500 | 4,346 |
| Average total loans | $37,820,500 | 5,148 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4031% | 5,224 |
| Cost of funding earning assets | 0.3697% | 3,600 |
| Net interest margin | 3.0334% | 5,141 |
| Noninterest income to average assets | 0.3439% | 4,495 |
| Noninterest expense to average assets | 2.5007% | 4,242 |
| Loan and lease loss provision to assets | -0.0360% | 6,006 |
| Net operating income to assets | 0.7003% | 3,891 |
| Return on assets (ROA) | 0.7021% | 3,997 |
| Pretax return on assets | 0.7021% | 4,643 |
| Return on Equity (ROE) | 6.5422% | 3,856 |
| Retained earnings to average equity (ytd only) | -0.1677% | 5,535 |
| Net charge-offs to loans | -0.0158% | 5,084 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0102% | 1,911 |
| Assets per employee ($millions) | 4.8923% | 2,407 |
| Cash dividends to net income (ytd only)* | 102.5641% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 3,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 32.6028% | 5,942 |
| Net loans and leases to deposits | 36.6241% | 6,016 |
| Net loans and leases to core deposits | 38.3636% | 6,011 |
| Total domestic deposits to total assets | 89.0201% | 1,127 |
| Equity capital to assets | 10.5933% | 3,333 |
| Core capital (leverage) ratio | 10.5343% | 2,909 |
| Tier 1 risk-based capital ratio | 19.9043% | 1,573 |
| Total risk-based capital ratio | 20.7423% | 1,641 |
| Memoranda: | ||
| Average total assets | $111,088,000 | 4,318 |
| Average earning assets | $103,318,000 | 4,291 |
| Average equity | $11,922,670 | 4,392 |
| Average total loans | $37,866,330 | 5,191 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 5,153 |
| Cost of funding earning assets | 0.3742% | 3,600 |
| Net interest margin | 3.0518% | 5,076 |
| Noninterest income to average assets | 0.4059% | 3,954 |
| Noninterest expense to average assets | 1.9244% | 5,715 |
| Loan and lease loss provision to assets | 0.0181% | 3,483 |
| Net operating income to assets | 1.3301% | 1,185 |
| Return on assets (ROA) | 1.3337% | 1,247 |
| Pretax return on assets | 1.3337% | 2,135 |
| Return on Equity (ROE) | 12.3449% | 1,258 |
| Retained earnings to average equity (ytd only) | -1.0735% | 5,571 |
| Net charge-offs to loans | -0.0209% | 5,073 |
| Credit loss provision to net charge-offs | -250.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8040% | 5,243 |
| Assets per employee ($millions) | 4.9995% | 2,358 |
| Cash dividends to net income (ytd only)* | 108.6957% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 3,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 5,375 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 33.7961% | 5,933 |
| Net loans and leases to deposits | 38.1541% | 5,980 |
| Net loans and leases to core deposits | 40.1174% | 5,970 |
| Total domestic deposits to total assets | 88.5779% | 1,508 |
| Equity capital to assets | 11.0302% | 2,936 |
| Core capital (leverage) ratio | 10.4225% | 3,071 |
| Tier 1 risk-based capital ratio | 23.2886% | 1,076 |
| Total risk-based capital ratio | 24.3193% | 1,076 |
| Memoranda: | ||
| Average total assets | $110,370,000 | 4,360 |
| Average earning assets | $103,677,500 | 4,311 |
| Average equity | $11,924,000 | 4,423 |
| Average total loans | $38,213,000 | 5,203 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4797% | 5,362 |
| Cost of funding earning assets | 0.3989% | 3,701 |
| Net interest margin | 3.0808% | 5,250 |
| Noninterest income to average assets | 0.3275% | 4,771 |
| Noninterest expense to average assets | 2.2567% | 5,221 |
| Loan and lease loss provision to assets | 0.0742% | 2,999 |
| Net operating income to assets | 0.8277% | 3,234 |
| Return on assets (ROA) | 0.8667% | 3,131 |
| Pretax return on assets | 0.8667% | 4,014 |
| Return on Equity (ROE) | 8.3289% | 2,948 |
| Retained earnings to average equity (ytd only) | 5.2078% | 2,462 |
| Net charge-offs to loans | -0.0137% | 5,624 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4454% | 3,305 |
| Assets per employee ($millions) | 5.0341% | 2,275 |
| Cash dividends to net income (ytd only)* | 37.4732% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 3,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 4,567 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 34.5270% | 6,017 |
| Net loans and leases to deposits | 38.9963% | 6,064 |
| Net loans and leases to core deposits | 40.8755% | 6,076 |
| Total domestic deposits to total assets | 88.5392% | 1,502 |
| Equity capital to assets | 10.5787% | 3,389 |
| Core capital (leverage) ratio | 10.2172% | 3,290 |
| Tier 1 risk-based capital ratio | 23.9869% | 959 |
| Total risk-based capital ratio | 25.0311% | 958 |
| Memoranda: | ||
| Average total assets | $107,770,200 | 4,423 |
| Average earning assets | $99,032,000 | 4,422 |
| Average equity | $11,214,000 | 4,520 |
| Average total loans | $36,419,800 | 5,315 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 5,393 |
| Cost of funding earning assets | 0.4047% | 3,738 |
| Net interest margin | 3.0938% | 5,275 |
| Noninterest income to average assets | 0.3264% | 4,823 |
| Noninterest expense to average assets | 2.1465% | 5,472 |
| Loan and lease loss provision to assets | 0.0797% | 2,753 |
| Net operating income to assets | 0.9194% | 2,823 |
| Return on assets (ROA) | 0.9717% | 2,655 |
| Pretax return on assets | 0.9717% | 3,712 |
| Return on Equity (ROE) | 9.3788% | 2,508 |
| Retained earnings to average equity (ytd only) | 5.1704% | 2,978 |
| Net charge-offs to loans | -0.0149% | 5,537 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2376% | 3,820 |
| Assets per employee ($millions) | 4.9755% | 2,267 |
| Cash dividends to net income (ytd only)* | 44.8724% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 3,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 4,820 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 33.6019% | 6,129 |
| Net loans and leases to deposits | 37.4844% | 6,204 |
| Net loans and leases to core deposits | 39.3071% | 6,194 |
| Total domestic deposits to total assets | 89.6423% | 913 |
| Equity capital to assets | 9.9898% | 4,178 |
| Core capital (leverage) ratio | 10.2925% | 3,304 |
| Tier 1 risk-based capital ratio | 22.9850% | 1,111 |
| Total risk-based capital ratio | 23.9648% | 1,137 |
| Memoranda: | ||
| Average total assets | $107,025,000 | 4,481 |
| Average earning assets | $97,524,500 | 4,509 |
| Average equity | $11,088,500 | 4,577 |
| Average total loans | $35,839,000 | 5,386 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 5,429 |
| Cost of funding earning assets | 0.4120% | 3,747 |
| Net interest margin | 3.0774% | 5,327 |
| Noninterest income to average assets | 0.3348% | 4,746 |
| Noninterest expense to average assets | 2.3050% | 5,134 |
| Loan and lease loss provision to assets | 0.0842% | 2,621 |
| Net operating income to assets | 0.7460% | 3,590 |
| Return on assets (ROA) | 0.8264% | 3,296 |
| Pretax return on assets | 0.8264% | 4,176 |
| Return on Equity (ROE) | 7.8732% | 3,173 |
| Retained earnings to average equity (ytd only) | 1.4944% | 5,147 |
| Net charge-offs to loans | -0.0172% | 5,491 |
| Credit loss provision to net charge-offs | -1,466.6667% | 5,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5204% | 3,060 |
| Assets per employee ($millions) | 4.9221% | 2,312 |
| Cash dividends to net income (ytd only)* | 81.0185% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 3,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 4,710 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 32.0245% | 6,240 |
| Net loans and leases to deposits | 35.8829% | 6,293 |
| Net loans and leases to core deposits | 37.7341% | 6,287 |
| Total domestic deposits to total assets | 89.2470% | 1,222 |
| Equity capital to assets | 10.3679% | 3,598 |
| Core capital (leverage) ratio | 10.8948% | 2,537 |
| Tier 1 risk-based capital ratio | 23.1895% | 1,081 |
| Total risk-based capital ratio | 24.1651% | 1,108 |
| Memoranda: | ||
| Average total assets | $104,554,330 | 4,566 |
| Average earning assets | $95,146,670 | 4,607 |
| Average equity | $10,974,000 | 4,615 |
| Average total loans | $34,805,330 | 5,464 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4191% | 5,607 |
| Cost of funding earning assets | 0.4111% | 3,847 |
| Net interest margin | 3.0080% | 5,504 |
| Noninterest income to average assets | 0.3155% | 4,842 |
| Noninterest expense to average assets | 2.0411% | 5,800 |
| Loan and lease loss provision to assets | 0.1441% | 1,693 |
| Net operating income to assets | 0.9232% | 2,537 |
| Return on assets (ROA) | 1.1335% | 1,750 |
| Pretax return on assets | 1.1335% | 2,755 |
| Return on Equity (ROE) | 10.7306% | 1,785 |
| Retained earnings to average equity (ytd only) | -2.1756% | 5,872 |
| Net charge-offs to loans | -0.0231% | 5,421 |
| Credit loss provision to net charge-offs | -1,850.0000% | 5,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6642% | 4,583 |
| Assets per employee ($millions) | 4.8768% | 2,404 |
| Cash dividends to net income (ytd only)* | 120.2749% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 4,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 4,743 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 33.6152% | 6,197 |
| Net loans and leases to deposits | 37.7780% | 6,259 |
| Net loans and leases to core deposits | 39.9777% | 6,236 |
| Total domestic deposits to total assets | 88.9808% | 1,675 |
| Equity capital to assets | 10.6140% | 3,124 |
| Core capital (leverage) ratio | 10.8004% | 2,599 |
| Tier 1 risk-based capital ratio | 23.7330% | 1,043 |
| Total risk-based capital ratio | 24.7271% | 1,060 |
| Memoranda: | ||
| Average total assets | $102,688,500 | 4,658 |
| Average earning assets | $95,346,500 | 4,644 |
| Average equity | $10,847,500 | 4,652 |
| Average total loans | $34,636,000 | 5,514 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5064% | 5,626 |
| Cost of funding earning assets | 0.4820% | 3,797 |
| Net interest margin | 3.0245% | 5,521 |
| Noninterest income to average assets | 0.3253% | 5,004 |
| Noninterest expense to average assets | 2.3683% | 5,171 |
| Loan and lease loss provision to assets | -0.0203% | 6,298 |
| Net operating income to assets | 0.7742% | 3,423 |
| Return on assets (ROA) | 0.8158% | 3,310 |
| Pretax return on assets | 0.8168% | 4,085 |
| Return on Equity (ROE) | 7.4561% | 3,318 |
| Retained earnings to average equity (ytd only) | 4.5385% | 2,936 |
| Net charge-offs to loans | -0.0149% | 6,086 |
| Credit loss provision to net charge-offs | 400.0000% | 566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8274% | 2,803 |
| Assets per employee ($millions) | 4.6802% | 2,616 |
| Cash dividends to net income (ytd only)* | 39.1304% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 4,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 4,395 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 32.9908% | 6,335 |
| Net loans and leases to deposits | 37.0335% | 6,398 |
| Net loans and leases to core deposits | 39.1691% | 6,390 |
| Total domestic deposits to total assets | 89.0837% | 1,568 |
| Equity capital to assets | 10.5133% | 3,139 |
| Core capital (leverage) ratio | 10.7056% | 2,672 |
| Tier 1 risk-based capital ratio | 23.5837% | 1,007 |
| Total risk-based capital ratio | 24.4825% | 1,044 |
| Memoranda: | ||
| Average total assets | $98,677,400 | 4,773 |
| Average earning assets | $91,289,200 | 4,737 |
| Average equity | $10,796,600 | 4,678 |
| Average total loans | $33,540,800 | 5,599 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5150% | 5,650 |
| Cost of funding earning assets | 0.4952% | 3,811 |
| Net interest margin | 3.0199% | 5,544 |
| Noninterest income to average assets | 0.3429% | 4,950 |
| Noninterest expense to average assets | 2.2935% | 5,363 |
| Loan and lease loss provision to assets | -0.0355% | 6,527 |
| Net operating income to assets | 0.8742% | 2,974 |
| Return on assets (ROA) | 0.8742% | 3,082 |
| Pretax return on assets | 0.8756% | 3,987 |
| Return on Equity (ROE) | 7.9087% | 3,171 |
| Retained earnings to average equity (ytd only) | 4.0161% | 3,837 |
| Net charge-offs to loans | -0.0240% | 6,105 |
| Credit loss provision to net charge-offs | 433.3333% | 607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1909% | 3,191 |
| Assets per employee ($millions) | 4.5123% | 2,862 |
| Cash dividends to net income (ytd only)* | 49.2189% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 4,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 4,446 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 29.5575% | 6,547 |
| Net loans and leases to deposits | 33.1615% | 6,587 |
| Net loans and leases to core deposits | 34.9357% | 6,591 |
| Total domestic deposits to total assets | 89.1322% | 1,493 |
| Equity capital to assets | 10.4717% | 3,311 |
| Core capital (leverage) ratio | 10.4919% | 3,012 |
| Tier 1 risk-based capital ratio | 23.5753% | 1,063 |
| Total risk-based capital ratio | 24.4743% | 1,088 |
| Memoranda: | ||
| Average total assets | $97,605,500 | 4,843 |
| Average earning assets | $90,200,750 | 4,803 |
| Average equity | $10,789,500 | 4,737 |
| Average total loans | $33,329,000 | 5,666 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 5,434 |
| Cost of funding earning assets | 0.5095% | 3,809 |
| Net interest margin | 3.0913% | 5,291 |
| Noninterest income to average assets | 0.4249% | 4,342 |
| Noninterest expense to average assets | 2.4470% | 4,907 |
| Loan and lease loss provision to assets | 0.0398% | 4,156 |
| Net operating income to assets | 0.7808% | 3,399 |
| Return on assets (ROA) | 0.7808% | 3,562 |
| Pretax return on assets | 0.7829% | 4,378 |
| Return on Equity (ROE) | 6.9309% | 3,639 |
| Retained earnings to average equity (ytd only) | 1.0777% | 5,465 |
| Net charge-offs to loans | -0.0235% | 6,019 |
| Credit loss provision to net charge-offs | -475.0000% | 5,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8399% | 2,969 |
| Assets per employee ($millions) | 4.6025% | 2,645 |
| Cash dividends to net income (ytd only)* | 84.4504% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 4,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7279% | 4,401 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 32.9719% | 6,459 |
| Net loans and leases to deposits | 36.9830% | 6,518 |
| Net loans and leases to core deposits | 38.3153% | 6,530 |
| Total domestic deposits to total assets | 89.1542% | 1,539 |
| Equity capital to assets | 10.4438% | 3,378 |
| Core capital (leverage) ratio | 10.8091% | 2,546 |
| Tier 1 risk-based capital ratio | 22.0997% | 1,268 |
| Total risk-based capital ratio | 23.0558% | 1,297 |
| Memoranda: | ||
| Average total assets | $95,546,000 | 4,923 |
| Average earning assets | $87,925,000 | 4,900 |
| Average equity | $10,763,330 | 4,776 |
| Average total loans | $34,075,330 | 5,662 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6542% | 5,295 |
| Cost of funding earning assets | 0.5267% | 3,822 |
| Net interest margin | 3.1275% | 5,171 |
| Noninterest income to average assets | 0.4186% | 4,320 |
| Noninterest expense to average assets | 2.1879% | 5,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1220% | 1,769 |
| Return on assets (ROA) | 1.1220% | 1,885 |
| Pretax return on assets | 1.1263% | 2,859 |
| Return on Equity (ROE) | 9.5786% | 2,235 |
| Retained earnings to average equity (ytd only) | -2.0262% | 6,081 |
| Net charge-offs to loans | -0.0351% | 5,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0156% | 4,657 |
| Assets per employee ($millions) | 4.2388% | 3,459 |
| Cash dividends to net income (ytd only)* | 121.1538% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 4,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 4,315 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 36.6991% | 6,248 |
| Net loans and leases to deposits | 41.7074% | 6,338 |
| Net loans and leases to core deposits | 43.3526% | 6,345 |
| Total domestic deposits to total assets | 87.9918% | 2,314 |
| Equity capital to assets | 11.5900% | 2,340 |
| Core capital (leverage) ratio | 11.2846% | 2,020 |
| Tier 1 risk-based capital ratio | 23.9498% | 1,024 |
| Total risk-based capital ratio | 24.9490% | 1,046 |
| Memoranda: | ||
| Average total assets | $92,691,000 | 5,033 |
| Average earning assets | $85,819,000 | 4,990 |
| Average equity | $10,857,500 | 4,797 |
| Average total loans | $34,191,500 | 5,698 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8522% | 5,704 |
| Cost of funding earning assets | 0.6310% | 4,091 |
| Net interest margin | 3.2213% | 5,515 |
| Noninterest income to average assets | 0.2751% | 5,493 |
| Noninterest expense to average assets | 2.5281% | 4,998 |
| Loan and lease loss provision to assets | 0.0382% | 5,402 |
| Net operating income to assets | 0.6670% | 3,902 |
| Return on assets (ROA) | 0.6877% | 4,055 |
| Pretax return on assets | 0.6888% | 4,704 |
| Return on Equity (ROE) | 5.9260% | 4,210 |
| Retained earnings to average equity (ytd only) | 4.9853% | 2,717 |
| Net charge-offs to loans | -0.0127% | 6,501 |
| Credit loss provision to net charge-offs | -875.0000% | 6,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1640% | 2,420 |
| Assets per employee ($millions) | 4.1877% | 3,570 |
| Cash dividends to net income (ytd only)* | 15.8730% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 4,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0442% | 3,942 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 36.1330% | 6,427 |
| Net loans and leases to deposits | 41.1809% | 6,491 |
| Net loans and leases to core deposits | 42.8259% | 6,512 |
| Total domestic deposits to total assets | 87.7422% | 2,383 |
| Equity capital to assets | 11.8388% | 2,150 |
| Core capital (leverage) ratio | 11.2517% | 2,054 |
| Tier 1 risk-based capital ratio | 24.7020% | 882 |
| Total risk-based capital ratio | 25.7225% | 893 |
| Memoranda: | ||
| Average total assets | $91,611,000 | 5,033 |
| Average earning assets | $84,158,800 | 5,013 |
| Average equity | $10,631,200 | 4,834 |
| Average total loans | $31,487,600 | 5,876 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 5,850 |
| Cost of funding earning assets | 0.6600% | 4,101 |
| Net interest margin | 3.2126% | 5,673 |
| Noninterest income to average assets | 0.3002% | 5,378 |
| Noninterest expense to average assets | 2.4427% | 5,259 |
| Loan and lease loss provision to assets | 0.0292% | 5,416 |
| Net operating income to assets | 0.7783% | 3,557 |
| Return on assets (ROA) | 0.8060% | 3,665 |
| Pretax return on assets | 0.8074% | 4,456 |
| Return on Equity (ROE) | 6.9806% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.7183% | 2,886 |
| Net charge-offs to loans | -0.0172% | 6,470 |
| Credit loss provision to net charge-offs | -500.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1233% | 2,805 |
| Assets per employee ($millions) | 4.1185% | 3,650 |
| Cash dividends to net income (ytd only)* | 18.0833% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 4,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3766% | 3,543 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 32.5729% | 6,719 |
| Net loans and leases to deposits | 36.9658% | 6,784 |
| Net loans and leases to core deposits | 38.8935% | 6,776 |
| Total domestic deposits to total assets | 88.1163% | 1,973 |
| Equity capital to assets | 11.4773% | 2,769 |
| Core capital (leverage) ratio | 11.1011% | 2,299 |
| Tier 1 risk-based capital ratio | 25.1453% | 894 |
| Total risk-based capital ratio | 26.1533% | 910 |
| Memoranda: | ||
| Average total assets | $91,481,500 | 5,089 |
| Average earning assets | $84,041,500 | 5,072 |
| Average equity | $10,562,250 | 4,900 |
| Average total loans | $30,928,750 | 5,977 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 5,804 |
| Cost of funding earning assets | 0.7046% | 3,977 |
| Net interest margin | 3.2382% | 5,626 |
| Noninterest income to average assets | 0.2743% | 5,616 |
| Noninterest expense to average assets | 2.5841% | 4,832 |
| Loan and lease loss provision to assets | 0.0332% | 5,256 |
| Net operating income to assets | 0.6239% | 4,255 |
| Return on assets (ROA) | 0.6659% | 4,291 |
| Pretax return on assets | 0.6681% | 4,917 |
| Return on Equity (ROE) | 5.7558% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.8436% | 4,054 |
| Net charge-offs to loans | -0.0195% | 6,425 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6726% | 2,239 |
| Assets per employee ($millions) | 4.1687% | 3,522 |
| Cash dividends to net income (ytd only)* | 33.2226% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 4,591 |
| Loan loss allowance to noncurrent loans | 70.8405% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.2462% | 2,489 |
| Noncurrent loans to loans | 1.9279% | 3,029 |
| Net loans and leases to total assets | 32.5225% | 6,789 |
| Net loans and leases to deposits | 36.9430% | 6,842 |
| Net loans and leases to core deposits | 38.2496% | 6,864 |
| Total domestic deposits to total assets | 88.0343% | 2,120 |
| Equity capital to assets | 11.5492% | 2,544 |
| Core capital (leverage) ratio | 11.4322% | 1,940 |
| Tier 1 risk-based capital ratio | 25.1632% | 889 |
| Total risk-based capital ratio | 26.1820% | 895 |
| Memoranda: | ||
| Average total assets | $90,400,000 | 5,153 |
| Average earning assets | $82,886,330 | 5,131 |
| Average equity | $10,459,000 | 4,921 |
| Average total loans | $30,814,000 | 6,022 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9715% | 5,854 |
| Cost of funding earning assets | 0.7652% | 3,746 |
| Net interest margin | 3.2063% | 5,767 |
| Noninterest income to average assets | 0.4190% | 4,528 |
| Noninterest expense to average assets | 2.2598% | 5,879 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1054% | 2,061 |
| Return on assets (ROA) | 1.1054% | 2,246 |
| Pretax return on assets | 1.1098% | 3,287 |
| Return on Equity (ROE) | 9.5453% | 2,585 |
| Retained earnings to average equity (ytd only) | 5.6964% | 3,148 |
| Net charge-offs to loans | -0.0129% | 6,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0635% | 4,343 |
| Assets per employee ($millions) | 4.0501% | 3,902 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 5,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9023% | 3,043 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 33.7317% | 6,757 |
| Net loans and leases to deposits | 38.4142% | 6,806 |
| Net loans and leases to core deposits | 40.2356% | 6,810 |
| Total domestic deposits to total assets | 87.8107% | 2,447 |
| Equity capital to assets | 11.7527% | 2,215 |
| Core capital (leverage) ratio | 11.2790% | 2,049 |
| Tier 1 risk-based capital ratio | 25.7898% | 823 |
| Total risk-based capital ratio | 26.7986% | 828 |
| Memoranda: | ||
| Average total assets | $89,744,000 | 5,217 |
| Average earning assets | $82,588,000 | 5,180 |
| Average equity | $10,392,500 | 4,944 |
| Average total loans | $31,101,000 | 6,060 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 5,601 |
| Cost of funding earning assets | 0.9167% | 3,987 |
| Net interest margin | 3.4333% | 5,387 |
| Noninterest income to average assets | -0.0575% | 7,068 |
| Noninterest expense to average assets | 2.6641% | 4,873 |
| Loan and lease loss provision to assets | 0.0311% | 6,179 |
| Net operating income to assets | 0.3738% | 4,974 |
| Return on assets (ROA) | 0.3738% | 5,149 |
| Pretax return on assets | 0.3750% | 5,365 |
| Return on Equity (ROE) | 3.2477% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.6481% | 4,347 |
| Net charge-offs to loans | -0.0221% | 6,969 |
| Credit loss provision to net charge-offs | -385.7143% | 6,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7741% | 1,466 |
| Assets per employee ($millions) | 4.1084% | 3,631 |
| Cash dividends to net income (ytd only)* | 18.4615% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 5,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9074% | 3,098 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 34.6905% | 6,835 |
| Net loans and leases to deposits | 39.3541% | 6,910 |
| Net loans and leases to core deposits | 41.5056% | 6,902 |
| Total domestic deposits to total assets | 88.1496% | 2,062 |
| Equity capital to assets | 11.4101% | 2,586 |
| Core capital (leverage) ratio | 11.1755% | 2,140 |
| Tier 1 risk-based capital ratio | 25.0263% | 865 |
| Total risk-based capital ratio | 26.0174% | 883 |
| Memoranda: | ||
| Average total assets | $86,934,200 | 5,263 |
| Average earning assets | $79,195,800 | 5,252 |
| Average equity | $10,007,200 | 5,018 |
| Average total loans | $31,644,600 | 6,093 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 5,319 |
| Cost of funding earning assets | 0.9546% | 4,004 |
| Net interest margin | 3.5233% | 5,090 |
| Noninterest income to average assets | -0.1998% | 7,266 |
| Noninterest expense to average assets | 2.6024% | 5,073 |
| Loan and lease loss provision to assets | 0.0418% | 5,911 |
| Net operating income to assets | 0.3563% | 5,178 |
| Return on assets (ROA) | 0.3563% | 5,365 |
| Pretax return on assets | 0.3578% | 5,581 |
| Return on Equity (ROE) | 3.0880% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.2824% | 4,983 |
| Net charge-offs to loans | -0.0211% | 6,921 |
| Credit loss provision to net charge-offs | -540.0000% | 6,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6873% | 1,465 |
| Assets per employee ($millions) | 4.0818% | 3,671 |
| Cash dividends to net income (ytd only)* | 26.0875% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 5,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0824% | 3,046 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 33.2487% | 6,988 |
| Net loans and leases to deposits | 37.7197% | 7,044 |
| Net loans and leases to core deposits | 39.7336% | 7,049 |
| Total domestic deposits to total assets | 88.1469% | 1,957 |
| Equity capital to assets | 11.3954% | 2,779 |
| Core capital (leverage) ratio | 11.1780% | 2,257 |
| Tier 1 risk-based capital ratio | 25.6511% | 862 |
| Total risk-based capital ratio | 26.6715% | 867 |
| Memoranda: | ||
| Average total assets | $86,071,500 | 5,327 |
| Average earning assets | $78,219,750 | 5,321 |
| Average equity | $9,930,750 | 5,051 |
| Average total loans | $31,618,250 | 6,159 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 4,852 |
| Cost of funding earning assets | 0.9772% | 4,109 |
| Net interest margin | 3.6521% | 4,513 |
| Noninterest income to average assets | -0.2994% | 7,381 |
| Noninterest expense to average assets | 2.7939% | 4,445 |
| Loan and lease loss provision to assets | 0.0047% | 6,189 |
| Net operating income to assets | 0.2216% | 5,657 |
| Return on assets (ROA) | 0.2216% | 5,777 |
| Pretax return on assets | 0.2240% | 5,875 |
| Return on Equity (ROE) | 1.9125% | 5,815 |
| Retained earnings to average equity (ytd only) | 0.6918% | 5,575 |
| Net charge-offs to loans | -0.0249% | 6,876 |
| Credit loss provision to net charge-offs | -50.0000% | 6,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4337% | 1,070 |
| Assets per employee ($millions) | 3.7993% | 4,195 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 5,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3070% | 2,851 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 35.6903% | 6,977 |
| Net loans and leases to deposits | 40.5097% | 7,047 |
| Net loans and leases to core deposits | 42.5722% | 7,054 |
| Total domestic deposits to total assets | 88.1032% | 2,078 |
| Equity capital to assets | 11.4425% | 2,555 |
| Core capital (leverage) ratio | 11.5730% | 1,859 |
| Tier 1 risk-based capital ratio | 24.2369% | 980 |
| Total risk-based capital ratio | 25.1499% | 1,001 |
| Memoranda: | ||
| Average total assets | $84,829,000 | 5,401 |
| Average earning assets | $77,162,000 | 5,393 |
| Average equity | $9,830,000 | 5,091 |
| Average total loans | $32,074,330 | 6,191 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 4,578 |
| Cost of funding earning assets | 1.0111% | 4,122 |
| Net interest margin | 3.6757% | 4,222 |
| Noninterest income to average assets | -0.2489% | 7,444 |
| Noninterest expense to average assets | 2.4512% | 5,735 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6367% | 3,825 |
| Return on assets (ROA) | 0.6367% | 3,895 |
| Pretax return on assets | 0.6415% | 4,530 |
| Return on Equity (ROE) | 5.4589% | 4,178 |
| Retained earnings to average equity (ytd only) | 2.9963% | 4,371 |
| Net charge-offs to loans | -0.0124% | 6,426 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2570% | 2,655 |
| Assets per employee ($millions) | 3.7859% | 4,330 |
| Cash dividends to net income (ytd only)* | 45.1128% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 5,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7542% | 2,509 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 38.0550% | 6,899 |
| Net loans and leases to deposits | 43.3527% | 6,972 |
| Net loans and leases to core deposits | 45.1697% | 7,005 |
| Total domestic deposits to total assets | 87.7800% | 2,504 |
| Equity capital to assets | 11.7445% | 2,081 |
| Core capital (leverage) ratio | 11.6825% | 1,748 |
| Tier 1 risk-based capital ratio | 23.5490% | 1,017 |
| Total risk-based capital ratio | 24.4204% | 1,048 |
| Memoranda: | ||
| Average total assets | $83,551,000 | 5,480 |
| Average earning assets | $75,957,500 | 5,476 |
| Average equity | $9,745,500 | 5,110 |
| Average total loans | $32,334,000 | 6,221 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1118% | 4,053 |
| Cost of funding earning assets | 1.2571% | 4,165 |
| Net interest margin | 3.8547% | 3,715 |
| Noninterest income to average assets | 0.0515% | 7,095 |
| Noninterest expense to average assets | 3.0113% | 3,805 |
| Loan and lease loss provision to assets | 0.1897% | 5,333 |
| Net operating income to assets | 0.1583% | 5,412 |
| Return on assets (ROA) | 0.1583% | 5,570 |
| Pretax return on assets | 0.1595% | 5,574 |
| Return on Equity (ROE) | 1.3121% | 5,620 |
| Retained earnings to average equity (ytd only) | 1.3121% | 4,893 |
| Net charge-offs to loans | 0.7013% | 2,907 |
| Credit loss provision to net charge-offs | 65.9389% | 5,959 |
| Earnings coverage of net charge-offs (x) | 1.2140% | 4,890 |
| Efficiency ratio | 89.6075% | 1,351 |
| Assets per employee ($millions) | 3.8096% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 5,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9125% | 2,407 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 38.4778% | 7,053 |
| Net loans and leases to deposits | 43.7595% | 7,125 |
| Net loans and leases to core deposits | 46.0411% | 7,141 |
| Total domestic deposits to total assets | 87.9301% | 2,291 |
| Equity capital to assets | 11.5843% | 2,194 |
| Core capital (leverage) ratio | 11.5440% | 1,810 |
| Tier 1 risk-based capital ratio | 23.6759% | 963 |
| Total risk-based capital ratio | 24.5562% | 978 |
| Memoranda: | ||
| Average total assets | $79,600,600 | 5,605 |
| Average earning assets | $68,331,800 | 5,722 |
| Average equity | $9,602,800 | 5,235 |
| Average total loans | $32,654,600 | 6,277 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1982% | 3,842 |
| Cost of funding earning assets | 1.3026% | 4,195 |
| Net interest margin | 3.8957% | 3,547 |
| Noninterest income to average assets | -0.0373% | 7,484 |
| Noninterest expense to average assets | 2.9756% | 3,836 |
| Loan and lease loss provision to assets | 0.2529% | 4,562 |
| Net operating income to assets | 0.0221% | 5,954 |
| Return on assets (ROA) | 0.0221% | 6,073 |
| Pretax return on assets | 0.0238% | 6,057 |
| Return on Equity (ROE) | 0.1810% | 6,074 |
| Retained earnings to average equity (ytd only) | 0.1810% | 5,703 |
| Net charge-offs to loans | 0.9429% | 2,109 |
| Credit loss provision to net charge-offs | 64.5022% | 5,579 |
| Earnings coverage of net charge-offs (x) | 0.7056% | 5,348 |
| Efficiency ratio | 91.4927% | 1,170 |
| Assets per employee ($millions) | 3.5726% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 6,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1837% | 2,256 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 40.8293% | 7,035 |
| Net loans and leases to deposits | 46.4848% | 7,150 |
| Net loans and leases to core deposits | 48.7737% | 7,172 |
| Total domestic deposits to total assets | 87.8336% | 2,067 |
| Equity capital to assets | 11.6784% | 2,373 |
| Core capital (leverage) ratio | 11.7890% | 1,771 |
| Tier 1 risk-based capital ratio | 22.9399% | 1,079 |
| Total risk-based capital ratio | 23.7934% | 1,101 |
| Memoranda: | ||
| Average total assets | $78,547,750 | 5,701 |
| Average earning assets | $66,328,750 | 5,854 |
| Average equity | $9,576,250 | 5,321 |
| Average total loans | $32,665,750 | 6,358 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 3,382 |
| Cost of funding earning assets | 1.3378% | 4,273 |
| Net interest margin | 3.9794% | 3,122 |
| Noninterest income to average assets | 0.4344% | 4,653 |
| Noninterest expense to average assets | 3.3566% | 2,386 |
| Loan and lease loss provision to assets | 0.3853% | 3,407 |
| Net operating income to assets | 0.0129% | 6,064 |
| Return on assets (ROA) | 0.0129% | 6,167 |
| Pretax return on assets | 0.0155% | 6,128 |
| Return on Equity (ROE) | 0.1045% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.1045% | 5,701 |
| Net charge-offs to loans | 1.3704% | 1,389 |
| Credit loss provision to net charge-offs | 67.4208% | 5,035 |
| Earnings coverage of net charge-offs (x) | 0.7014% | 5,043 |
| Efficiency ratio | 89.3324% | 1,390 |
| Assets per employee ($millions) | 3.4758% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,845 |
| Loan loss allowance to noncurrent loans | 154.8523% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 4.0966% | 1,667 |
| Noncurrent loans to loans | 0.7236% | 5,808 |
| Net loans and leases to total assets | 40.5134% | 7,136 |
| Net loans and leases to deposits | 46.2963% | 7,236 |
| Net loans and leases to core deposits | 48.8271% | 7,257 |
| Total domestic deposits to total assets | 87.5088% | 2,249 |
| Equity capital to assets | 11.9934% | 2,098 |
| Core capital (leverage) ratio | 12.3258% | 1,485 |
| Tier 1 risk-based capital ratio | 21.5398% | 1,264 |
| Total risk-based capital ratio | 22.3643% | 1,297 |
| Memoranda: | ||
| Average total assets | $77,340,670 | 5,770 |
| Average earning assets | $64,582,000 | 5,939 |
| Average equity | $9,569,670 | 5,323 |
| Average total loans | $32,252,330 | 6,426 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 3,492 |
| Cost of funding earning assets | 1.3527% | 4,472 |
| Net interest margin | 3.9575% | 3,066 |
| Noninterest income to average assets | 0.4471% | 4,501 |
| Noninterest expense to average assets | 3.2194% | 2,784 |
| Loan and lease loss provision to assets | 0.7680% | 1,651 |
| Net operating income to assets | -0.2367% | 6,585 |
| Return on assets (ROA) | -0.2367% | 6,655 |
| Pretax return on assets | -0.2315% | 6,584 |
| Return on Equity (ROE) | -1.8827% | 6,628 |
| Retained earnings to average equity (ytd only) | -1.8827% | 6,197 |
| Net charge-offs to loans | 2.3249% | 725 |
| Credit loss provision to net charge-offs | 78.4946% | 3,916 |
| Earnings coverage of net charge-offs (x) | 0.5484% | 4,543 |
| Efficiency ratio | 85.7143% | 1,821 |
| Assets per employee ($millions) | 3.4544% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 5,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.1699% | 1,630 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 43.0214% | 7,060 |
| Net loans and leases to deposits | 49.5536% | 7,153 |
| Net loans and leases to core deposits | 52.3698% | 7,181 |
| Total domestic deposits to total assets | 86.8179% | 2,729 |
| Equity capital to assets | 12.5505% | 1,728 |
| Core capital (leverage) ratio | 12.6027% | 1,369 |
| Tier 1 risk-based capital ratio | 21.1636% | 1,314 |
| Total risk-based capital ratio | 22.0489% | 1,346 |
| Memoranda: | ||
| Average total assets | $76,039,000 | 5,879 |
| Average earning assets | $63,576,000 | 6,039 |
| Average equity | $9,560,500 | 5,357 |
| Average total loans | $32,001,000 | 6,522 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4081% | 4,665 |
| Cost of funding earning assets | 1.5469% | 5,300 |
| Net interest margin | 3.8611% | 3,435 |
| Noninterest income to average assets | 0.3976% | 5,220 |
| Noninterest expense to average assets | 3.2660% | 3,134 |
| Loan and lease loss provision to assets | 0.3976% | 4,419 |
| Net operating income to assets | 0.0345% | 5,382 |
| Return on assets (ROA) | 0.0345% | 5,433 |
| Pretax return on assets | 0.0358% | 5,359 |
| Return on Equity (ROE) | 0.2699% | 5,451 |
| Retained earnings to average equity (ytd only) | 0.2699% | 4,759 |
| Net charge-offs to loans | 1.4494% | 1,732 |
| Credit loss provision to net charge-offs | 63.2911% | 6,592 |
| Earnings coverage of net charge-offs (x) | 0.6899% | 5,408 |
| Efficiency ratio | 88.2838% | 1,857 |
| Assets per employee ($millions) | 3.4582% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 4,121 |
| Loan loss allowance to noncurrent loans | 399.0909% | 838 |
| Noncurrent assets plus other real estate owned to assets | 4.8080% | 1,307 |
| Noncurrent loans to loans | 0.3559% | 6,560 |
| Net loans and leases to total assets | 40.0481% | 7,347 |
| Net loans and leases to deposits | 46.1526% | 7,433 |
| Net loans and leases to core deposits | 52.7547% | 7,507 |
| Total domestic deposits to total assets | 86.7733% | 2,624 |
| Equity capital to assets | 12.5958% | 1,703 |
| Core capital (leverage) ratio | 12.5946% | 1,408 |
| Tier 1 risk-based capital ratio | 22.0623% | 1,143 |
| Total risk-based capital ratio | 23.0730% | 1,153 |
| Memoranda: | ||
| Average total assets | $75,443,400 | 5,855 |
| Average earning assets | $64,514,800 | 5,977 |
| Average equity | $9,632,800 | 5,402 |
| Average total loans | $32,704,200 | 6,484 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4165% | 4,869 |
| Cost of funding earning assets | 1.5892% | 5,455 |
| Net interest margin | 3.8273% | 3,544 |
| Noninterest income to average assets | 0.3967% | 5,314 |
| Noninterest expense to average assets | 3.1737% | 3,386 |
| Loan and lease loss provision to assets | 0.5101% | 3,343 |
| Net operating income to assets | 0.0124% | 5,684 |
| Return on assets (ROA) | 0.0124% | 5,738 |
| Pretax return on assets | 0.0142% | 5,675 |
| Return on Equity (ROE) | 0.0967% | 5,748 |
| Retained earnings to average equity (ytd only) | 0.0967% | 5,164 |
| Net charge-offs to loans | 1.8781% | 1,074 |
| Credit loss provision to net charge-offs | 61.6702% | 6,142 |
| Earnings coverage of net charge-offs (x) | 0.6338% | 5,393 |
| Efficiency ratio | 85.8238% | 2,079 |
| Assets per employee ($millions) | 3.3280% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 3,978 |
| Loan loss allowance to noncurrent loans | 78.7659% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 5.1997% | 1,119 |
| Noncurrent loans to loans | 1.7706% | 3,962 |
| Net loans and leases to total assets | 40.0899% | 7,464 |
| Net loans and leases to deposits | 46.1388% | 7,563 |
| Net loans and leases to core deposits | 52.0463% | 7,645 |
| Total domestic deposits to total assets | 86.8897% | 2,240 |
| Equity capital to assets | 12.4949% | 1,957 |
| Core capital (leverage) ratio | 12.6997% | 1,498 |
| Tier 1 risk-based capital ratio | 16.0904% | 2,596 |
| Total risk-based capital ratio | 16.8206% | 2,721 |
| Memoranda: | ||
| Average total assets | $75,284,000 | 5,899 |
| Average earning assets | $64,935,250 | 6,008 |
| Average equity | $9,645,250 | 5,444 |
| Average total loans | $33,153,250 | 6,502 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4627% | 4,827 |
| Cost of funding earning assets | 1.6742% | 5,394 |
| Net interest margin | 3.7885% | 3,597 |
| Noninterest income to average assets | 0.4087% | 5,207 |
| Noninterest expense to average assets | 3.2111% | 3,307 |
| Loan and lease loss provision to assets | 0.0427% | 6,805 |
| Net operating income to assets | 0.4408% | 4,332 |
| Return on assets (ROA) | 0.4408% | 4,442 |
| Pretax return on assets | 0.4435% | 4,819 |
| Return on Equity (ROE) | 3.4118% | 4,745 |
| Retained earnings to average equity (ytd only) | 3.4118% | 3,422 |
| Net charge-offs to loans | -0.2838% | 8,059 |
| Credit loss provision to net charge-offs | -33.3333% | 6,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8497% | 2,136 |
| Assets per employee ($millions) | 3.1285% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 1,449 |
| Loan loss allowance to noncurrent loans | 51.0943% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 6.1865% | 772 |
| Noncurrent loans to loans | 4.0417% | 1,667 |
| Net loans and leases to total assets | 42.7607% | 7,406 |
| Net loans and leases to deposits | 49.4776% | 7,506 |
| Net loans and leases to core deposits | 55.9318% | 7,594 |
| Total domestic deposits to total assets | 86.4244% | 2,555 |
| Equity capital to assets | 12.9483% | 1,715 |
| Core capital (leverage) ratio | 12.9587% | 1,444 |
| Tier 1 risk-based capital ratio | 15.9660% | 2,637 |
| Total risk-based capital ratio | 17.0778% | 2,624 |
| Memoranda: | ||
| Average total assets | $74,864,330 | 5,951 |
| Average earning assets | $64,986,330 | 6,048 |
| Average equity | $9,672,330 | 5,464 |
| Average total loans | $33,831,000 | 6,511 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4145% | 5,346 |
| Cost of funding earning assets | 1.7140% | 5,541 |
| Net interest margin | 3.7005% | 3,889 |
| Noninterest income to average assets | 0.4495% | 4,774 |
| Noninterest expense to average assets | 2.7236% | 4,902 |
| Loan and lease loss provision to assets | 0.0214% | 6,629 |
| Net operating income to assets | 0.9685% | 2,449 |
| Return on assets (ROA) | 0.9685% | 2,576 |
| Pretax return on assets | 0.9738% | 3,449 |
| Return on Equity (ROE) | 7.5045% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.5045% | 2,019 |
| Net charge-offs to loans | -0.3726% | 8,088 |
| Credit loss provision to net charge-offs | -12.5000% | 6,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2374% | 3,965 |
| Assets per employee ($millions) | 3.2401% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 1,612 |
| Loan loss allowance to noncurrent loans | 35.6202% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 4.9179% | 929 |
| Noncurrent loans to loans | 5.3444% | 990 |
| Net loans and leases to total assets | 44.8761% | 7,275 |
| Net loans and leases to deposits | 52.0093% | 7,401 |
| Net loans and leases to core deposits | 59.0699% | 7,490 |
| Total domestic deposits to total assets | 86.2848% | 2,563 |
| Equity capital to assets | 13.0671% | 1,717 |
| Core capital (leverage) ratio | 13.1421% | 1,440 |
| Tier 1 risk-based capital ratio | 16.1809% | 2,620 |
| Total risk-based capital ratio | 17.2593% | 2,624 |
| Memoranda: | ||
| Average total assets | $74,755,000 | 5,982 |
| Average earning assets | $66,044,500 | 6,038 |
| Average equity | $9,647,500 | 5,491 |
| Average total loans | $34,355,000 | 6,526 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6513% | 6,931 |
| Cost of funding earning assets | 1.9527% | 6,558 |
| Net interest margin | 3.6987% | 4,478 |
| Noninterest income to average assets | 0.4021% | 5,453 |
| Noninterest expense to average assets | 3.3362% | 2,851 |
| Loan and lease loss provision to assets | 0.8232% | 1,804 |
| Net operating income to assets | -0.3913% | 6,813 |
| Return on assets (ROA) | -0.3913% | 6,694 |
| Pretax return on assets | -0.3900% | 6,540 |
| Return on Equity (ROE) | -2.9155% | 6,609 |
| Retained earnings to average equity (ytd only) | -5.9017% | 6,652 |
| Net charge-offs to loans | 1.4686% | 789 |
| Credit loss provision to net charge-offs | 121.6000% | 4,416 |
| Earnings coverage of net charge-offs (x) | 0.6400% | 5,840 |
| Efficiency ratio | 88.5057% | 1,634 |
| Assets per employee ($millions) | 3.4085% | 4,924 |
| Cash dividends to net income (ytd only)* | -102.4221% | 8,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7708% | 1,704 |
| Loan loss allowance to noncurrent loans | 56.8119% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 3.5673% | 1,239 |
| Noncurrent loans to loans | 3.1169% | 1,704 |
| Net loans and leases to total assets | 45.3479% | 7,385 |
| Net loans and leases to deposits | 52.3557% | 7,518 |
| Net loans and leases to core deposits | 59.0724% | 7,621 |
| Total domestic deposits to total assets | 86.6150% | 2,137 |
| Equity capital to assets | 12.7449% | 1,895 |
| Core capital (leverage) ratio | 12.6283% | 1,699 |
| Tier 1 risk-based capital ratio | 15.7722% | 2,755 |
| Total risk-based capital ratio | 16.7838% | 2,767 |
| Memoranda: | ||
| Average total assets | $73,855,600 | 5,916 |
| Average earning assets | $67,240,600 | 5,919 |
| Average equity | $9,912,400 | 5,437 |
| Average total loans | $34,045,600 | 6,485 |