Home > Mason Bank > Performance and Condition Ratios
Mason Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 2,687 |
| Cost of funding earning assets | 0.7741% | 3,802 |
| Net interest margin | 3.9233% | 1,328 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.1397% | 3,296 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.5938% | 875 |
| Return on assets (ROA) | 1.5938% | 842 |
| Pretax return on assets | 1.5938% | 1,245 |
| Return on Equity (ROE) | 14.2700% | 1,433 |
| Retained earnings to average equity (ytd only) | 9.7320% | 1,081 |
| Net charge-offs to loans | 0.0015% | 2,782 |
| Credit loss provision to net charge-offs | 20,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 2,489.0000% | 57 |
| Efficiency ratio | 55.2499% | 3,574 |
| Assets per employee ($millions) | 8.5226% | 1,172 |
| Cash dividends to net income (ytd only)* | 31.8043% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,085 |
| Loan loss allowance to noncurrent loans | 270.3504% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 1,932 |
| Noncurrent loans to loans | 0.5509% | 1,425 |
| Net loans and leases to total assets | 45.7900% | 3,821 |
| Net loans and leases to deposits | 56.8079% | 3,672 |
| Net loans and leases to core deposits | 62.6179% | 3,652 |
| Total domestic deposits to total assets | 80.6000% | 3,370 |
| Equity capital to assets | 12.2304% | 1,055 |
| Core capital (leverage) ratio | 18.4952% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $143,621,600 | 3,428 |
| Average earning assets | $132,796,400 | 3,419 |
| Average equity | $16,039,800 | 3,179 |
| Average total loans | $65,901,600 | 3,609 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 2,529 |
| Cost of funding earning assets | 0.6640% | 3,841 |
| Net interest margin | 4.0086% | 1,202 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.0524% | 3,461 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.6794% | 822 |
| Return on assets (ROA) | 1.6794% | 815 |
| Pretax return on assets | 1.6794% | 1,203 |
| Return on Equity (ROE) | 15.4100% | 1,370 |
| Retained earnings to average equity (ytd only) | 15.4075% | 517 |
| Net charge-offs to loans | 0.0102% | 2,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 401.0000% | 364 |
| Efficiency ratio | 52.3866% | 3,727 |
| Assets per employee ($millions) | 8.2413% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,167 |
| Loan loss allowance to noncurrent loans | 247.8908% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 1,851 |
| Noncurrent loans to loans | 0.5967% | 1,344 |
| Net loans and leases to total assets | 47.5000% | 3,766 |
| Net loans and leases to deposits | 56.6584% | 3,676 |
| Net loans and leases to core deposits | 60.9692% | 3,658 |
| Total domestic deposits to total assets | 83.8300% | 2,827 |
| Equity capital to assets | 11.1233% | 1,297 |
| Core capital (leverage) ratio | 17.4032% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $143,305,750 | 3,433 |
| Average earning assets | $131,313,500 | 3,442 |
| Average equity | $15,619,750 | 3,206 |
| Average total loans | $65,541,750 | 3,624 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 2,549 |
| Cost of funding earning assets | 0.6434% | 3,646 |
| Net interest margin | 3.8968% | 1,435 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.0461% | 3,471 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 1.4795% | 1,145 |
| Return on assets (ROA) | 1.4795% | 1,139 |
| Pretax return on assets | 1.4795% | 1,637 |
| Return on Equity (ROE) | 13.6600% | 1,756 |
| Retained earnings to average equity (ytd only) | 13.6646% | 724 |
| Net charge-offs to loans | 0.0462% | 1,045 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 84.5333% | 1,022 |
| Efficiency ratio | 53.8069% | 3,630 |
| Assets per employee ($millions) | 8.3731% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 1,195 |
| Loan loss allowance to noncurrent loans | 390.9091% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 2,304 |
| Noncurrent loans to loans | 0.3828% | 1,777 |
| Net loans and leases to total assets | 45.7400% | 3,806 |
| Net loans and leases to deposits | 53.4498% | 3,778 |
| Net loans and leases to core deposits | 57.4626% | 3,743 |
| Total domestic deposits to total assets | 85.5700% | 2,371 |
| Equity capital to assets | 11.3149% | 1,265 |
| Core capital (leverage) ratio | 19.1815% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $144,373,667 | 3,432 |
| Average earning assets | $132,418,000 | 3,443 |
| Average equity | $15,631,667 | 3,219 |
| Average total loans | $64,875,000 | 3,638 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 2,564 |
| Cost of funding earning assets | 0.6204% | 3,319 |
| Net interest margin | 3.7731% | 1,743 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.0882% | 3,408 |
| Loan and lease loss provision to assets | 0.5500% | 132 |
| Net operating income to assets | 1.0455% | 2,400 |
| Return on assets (ROA) | 1.0455% | 2,366 |
| Pretax return on assets | 1.0455% | 2,870 |
| Return on Equity (ROE) | 9.8700% | 2,823 |
| Retained earnings to average equity (ytd only) | 9.8737% | 1,731 |
| Net charge-offs to loans | -0.0622% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.6841% | 3,332 |
| Assets per employee ($millions) | 8.6372% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 1,085 |
| Loan loss allowance to noncurrent loans | 201.9920% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 1,496 |
| Noncurrent loans to loans | 0.7739% | 995 |
| Net loans and leases to total assets | 43.4800% | 3,890 |
| Net loans and leases to deposits | 52.2363% | 3,780 |
| Net loans and leases to core deposits | 55.9382% | 3,748 |
| Total domestic deposits to total assets | 83.2500% | 3,248 |
| Equity capital to assets | 10.8280% | 1,409 |
| Core capital (leverage) ratio | 18.6162% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $145,389,000 | 3,470 |
| Average earning assets | $133,471,500 | 3,477 |
| Average equity | $15,394,500 | 3,272 |
| Average total loans | $64,266,000 | 3,691 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 2,257 |
| Cost of funding earning assets | 0.2455% | 3,358 |
| Net interest margin | 3.5608% | 1,756 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.0422% | 3,464 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.3069% | 1,400 |
| Return on assets (ROA) | 1.3069% | 1,367 |
| Pretax return on assets | 1.3069% | 2,065 |
| Return on Equity (ROE) | 11.1800% | 2,416 |
| Retained earnings to average equity (ytd only) | 11.1846% | 844 |
| Net charge-offs to loans | 0.1676% | 501 |
| Credit loss provision to net charge-offs | 212.7660% | 1,081 |
| Earnings coverage of net charge-offs (x) | 22.3404% | 1,842 |
| Efficiency ratio | 58.5717% | 3,254 |
| Assets per employee ($millions) | 8.4674% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 1,019 |
| Loan loss allowance to noncurrent loans | 122.2899% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5704% | 882 |
| Noncurrent loans to loans | 1.2895% | 535 |
| Net loans and leases to total assets | 43.5300% | 3,914 |
| Net loans and leases to deposits | 52.1309% | 3,794 |
| Net loans and leases to core deposits | 55.9040% | 3,722 |
| Total domestic deposits to total assets | 83.5100% | 3,309 |
| Equity capital to assets | 10.3442% | 1,538 |
| Core capital (leverage) ratio | 16.9321% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $145,385,000 | 3,488 |
| Average earning assets | $133,593,200 | 3,491 |
| Average equity | $16,987,600 | 3,202 |
| Average total loans | $56,095,800 | 3,805 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 2,197 |
| Cost of funding earning assets | 0.1981% | 3,300 |
| Net interest margin | 3.4521% | 1,800 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.0135% | 3,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3731% | 1,160 |
| Return on assets (ROA) | 1.3731% | 1,131 |
| Pretax return on assets | 1.3731% | 1,802 |
| Return on Equity (ROE) | 11.4300% | 2,228 |
| Retained earnings to average equity (ytd only) | 11.4281% | 935 |
| Net charge-offs to loans | 0.2312% | 298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 15.9681% | 1,828 |
| Efficiency ratio | 59.4543% | 3,190 |
| Assets per employee ($millions) | 8.4220% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 1,897 |
| Loan loss allowance to noncurrent loans | 292.3636% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 2,323 |
| Noncurrent loans to loans | 0.4544% | 1,669 |
| Net loans and leases to total assets | 41.7100% | 3,998 |
| Net loans and leases to deposits | 48.2432% | 3,944 |
| Net loans and leases to core deposits | 50.7255% | 3,915 |
| Total domestic deposits to total assets | 86.4500% | 2,944 |
| Equity capital to assets | 9.6575% | 1,795 |
| Core capital (leverage) ratio | 17.2950% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $145,744,750 | 3,504 |
| Average earning assets | $133,905,250 | 3,507 |
| Average equity | $17,512,000 | 3,196 |
| Average total loans | $54,202,500 | 3,854 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3949% | 2,455 |
| Cost of funding earning assets | 0.1572% | 3,488 |
| Net interest margin | 3.2377% | 2,085 |
| Noninterest income to average assets | 0.2074% | 3,954 |
| Noninterest expense to average assets | 1.9113% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2742% | 1,210 |
| Return on assets (ROA) | 1.2742% | 1,196 |
| Pretax return on assets | 1.2742% | 1,830 |
| Return on Equity (ROE) | 9.9678% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.9678% | 1,034 |
| Net charge-offs to loans | 0.3647% | 188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.8316% | 1,774 |
| Efficiency ratio | 60.0000% | 3,296 |
| Assets per employee ($millions) | 8.1581% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 1,973 |
| Loan loss allowance to noncurrent loans | 215.2815% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 2,044 |
| Noncurrent loans to loans | 0.6255% | 1,357 |
| Net loans and leases to total assets | 40.0603% | 4,069 |
| Net loans and leases to deposits | 48.2647% | 3,905 |
| Net loans and leases to core deposits | 51.0053% | 3,874 |
| Total domestic deposits to total assets | 83.0012% | 3,875 |
| Equity capital to assets | 9.8668% | 1,793 |
| Core capital (leverage) ratio | 16.9183% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,601,667 | 3,537 |
| Average earning assets | $134,849,667 | 3,548 |
| Average equity | $18,740,333 | 3,165 |
| Average total loans | $52,098,000 | 3,923 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2245% | 2,616 |
| Cost of funding earning assets | 0.1487% | 3,519 |
| Net interest margin | 3.0758% | 2,250 |
| Noninterest income to average assets | 0.2239% | 3,818 |
| Noninterest expense to average assets | 1.9880% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0595% | 1,655 |
| Return on assets (ROA) | 1.0595% | 1,650 |
| Pretax return on assets | 1.0595% | 2,262 |
| Return on Equity (ROE) | 7.4379% | 2,893 |
| Retained earnings to average equity (ytd only) | 7.4379% | 1,750 |
| Net charge-offs to loans | 0.7035% | 97 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 4.5647% | 1,620 |
| Efficiency ratio | 65.2330% | 2,869 |
| Assets per employee ($millions) | 8.0981% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 1,222 |
| Loan loss allowance to noncurrent loans | 244.8795% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 2,281 |
| Noncurrent loans to loans | 0.6604% | 1,436 |
| Net loans and leases to total assets | 33.9318% | 4,312 |
| Net loans and leases to deposits | 41.0090% | 4,208 |
| Net loans and leases to core deposits | 43.8904% | 4,166 |
| Total domestic deposits to total assets | 82.7422% | 3,972 |
| Equity capital to assets | 13.0236% | 686 |
| Core capital (leverage) ratio | 16.2709% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,479,500 | 3,547 |
| Average earning assets | $134,468,500 | 3,575 |
| Average equity | $20,866,000 | 3,069 |
| Average total loans | $48,332,000 | 3,998 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3061% | 3,197 |
| Cost of funding earning assets | 0.1426% | 4,035 |
| Net interest margin | 3.1635% | 2,696 |
| Noninterest income to average assets | 0.2420% | 3,927 |
| Noninterest expense to average assets | 2.0240% | 3,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1506% | 2,107 |
| Return on assets (ROA) | 1.1506% | 2,166 |
| Pretax return on assets | 1.1506% | 2,819 |
| Return on Equity (ROE) | 6.8615% | 3,551 |
| Retained earnings to average equity (ytd only) | 4.2103% | 3,127 |
| Net charge-offs to loans | 0.0089% | 2,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 400.5000% | 328 |
| Efficiency ratio | 63.7557% | 2,601 |
| Assets per employee ($millions) | 8.1774% | 1,229 |
| Cash dividends to net income (ytd only)* | 38.6392% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9358% | 678 |
| Loan loss allowance to noncurrent loans | 147.2131% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 1,581 |
| Noncurrent loans to loans | 1.3149% | 716 |
| Net loans and leases to total assets | 30.9064% | 4,485 |
| Net loans and leases to deposits | 38.1082% | 4,396 |
| Net loans and leases to core deposits | 40.8311% | 4,377 |
| Total domestic deposits to total assets | 81.1017% | 4,094 |
| Equity capital to assets | 15.4545% | 439 |
| Core capital (leverage) ratio | 15.4136% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,231,800 | 3,590 |
| Average earning assets | $129,064,800 | 3,587 |
| Average equity | $23,347,600 | 2,955 |
| Average total loans | $45,148,600 | 4,086 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3283% | 3,312 |
| Cost of funding earning assets | 0.1471% | 4,135 |
| Net interest margin | 3.1812% | 2,789 |
| Noninterest income to average assets | 0.2526% | 3,881 |
| Noninterest expense to average assets | 2.0071% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2085% | 2,142 |
| Return on assets (ROA) | 1.2085% | 2,197 |
| Pretax return on assets | 1.2085% | 2,900 |
| Return on Equity (ROE) | 7.0587% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.5778% | 3,010 |
| Net charge-offs to loans | 0.0059% | 2,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 622.0000% | 249 |
| Efficiency ratio | 62.4169% | 2,630 |
| Assets per employee ($millions) | 8.1477% | 1,208 |
| Cash dividends to net income (ytd only)* | 20.9807% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9167% | 745 |
| Loan loss allowance to noncurrent loans | 218.4466% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 2,376 |
| Noncurrent loans to loans | 0.8774% | 1,309 |
| Net loans and leases to total assets | 31.4028% | 4,554 |
| Net loans and leases to deposits | 37.8754% | 4,522 |
| Net loans and leases to core deposits | 40.6172% | 4,493 |
| Total domestic deposits to total assets | 82.9107% | 3,728 |
| Equity capital to assets | 16.2458% | 392 |
| Core capital (leverage) ratio | 15.7595% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,241,500 | 3,646 |
| Average earning assets | $127,829,750 | 3,634 |
| Average equity | $23,497,500 | 2,976 |
| Average total loans | $44,838,250 | 4,152 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 3,066 |
| Cost of funding earning assets | 0.1540% | 4,175 |
| Net interest margin | 3.2813% | 2,508 |
| Noninterest income to average assets | 0.2744% | 3,762 |
| Noninterest expense to average assets | 2.0790% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2453% | 2,039 |
| Return on assets (ROA) | 1.2453% | 2,099 |
| Pretax return on assets | 1.2453% | 2,786 |
| Return on Equity (ROE) | 7.1404% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.1998% | 2,730 |
| Net charge-offs to loans | -0.0136% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5393% | 2,656 |
| Assets per employee ($millions) | 7.8506% | 1,279 |
| Cash dividends to net income (ytd only)* | 13.1737% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 644 |
| Loan loss allowance to noncurrent loans | 279.3210% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 2,781 |
| Noncurrent loans to loans | 0.7063% | 1,673 |
| Net loans and leases to total assets | 31.8220% | 4,593 |
| Net loans and leases to deposits | 38.2775% | 4,573 |
| Net loans and leases to core deposits | 41.5278% | 4,534 |
| Total domestic deposits to total assets | 83.1351% | 3,680 |
| Equity capital to assets | 16.6095% | 362 |
| Core capital (leverage) ratio | 16.6890% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,102,333 | 3,693 |
| Average earning assets | $124,646,667 | 3,682 |
| Average equity | $23,388,000 | 2,979 |
| Average total loans | $44,132,667 | 4,188 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2555% | 3,558 |
| Cost of funding earning assets | 0.1648% | 4,200 |
| Net interest margin | 3.0907% | 3,020 |
| Noninterest income to average assets | 0.2667% | 3,802 |
| Noninterest expense to average assets | 1.9587% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1832% | 2,220 |
| Return on assets (ROA) | 1.1832% | 2,289 |
| Pretax return on assets | 1.1832% | 2,891 |
| Return on Equity (ROE) | 6.6134% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.6134% | 2,692 |
| Net charge-offs to loans | -0.0277% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3415% | 2,695 |
| Assets per employee ($millions) | 7.2654% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1097% | 490 |
| Loan loss allowance to noncurrent loans | 341.5094% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 3,140 |
| Noncurrent loans to loans | 0.6177% | 2,025 |
| Net loans and leases to total assets | 32.1101% | 4,630 |
| Net loans and leases to deposits | 39.0836% | 4,594 |
| Net loans and leases to core deposits | 42.7353% | 4,542 |
| Total domestic deposits to total assets | 82.1575% | 3,863 |
| Equity capital to assets | 17.6360% | 270 |
| Core capital (leverage) ratio | 17.2106% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,498,000 | 3,733 |
| Average earning assets | $121,396,000 | 3,725 |
| Average equity | $23,346,500 | 2,972 |
| Average total loans | $43,262,500 | 4,230 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 3,412 |
| Cost of funding earning assets | 0.3163% | 4,050 |
| Net interest margin | 3.4439% | 2,641 |
| Noninterest income to average assets | 0.2750% | 3,832 |
| Noninterest expense to average assets | 2.1153% | 3,901 |
| Loan and lease loss provision to assets | 0.0372% | 3,944 |
| Net operating income to assets | 1.3808% | 1,064 |
| Return on assets (ROA) | 1.3808% | 1,155 |
| Pretax return on assets | 1.3808% | 1,719 |
| Return on Equity (ROE) | 7.4769% | 3,008 |
| Retained earnings to average equity (ytd only) | -0.2584% | 4,555 |
| Net charge-offs to loans | 0.0204% | 2,657 |
| Credit loss provision to net charge-offs | 511.1111% | 1,233 |
| Earnings coverage of net charge-offs (x) | 194.7778% | 474 |
| Efficiency ratio | 59.8672% | 3,481 |
| Assets per employee ($millions) | 7.6599% | 1,183 |
| Cash dividends to net income (ytd only)* | 103.4564% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0675% | 516 |
| Loan loss allowance to noncurrent loans | 431.5789% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 3,468 |
| Noncurrent loans to loans | 0.4791% | 2,531 |
| Net loans and leases to total assets | 32.8104% | 4,684 |
| Net loans and leases to deposits | 40.1585% | 4,656 |
| Net loans and leases to core deposits | 43.9594% | 4,601 |
| Total domestic deposits to total assets | 81.7022% | 3,729 |
| Equity capital to assets | 18.1457% | 263 |
| Core capital (leverage) ratio | 16.9076% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,626,000 | 3,704 |
| Average earning assets | $116,959,200 | 3,663 |
| Average equity | $22,830,400 | 2,950 |
| Average total loans | $44,155,800 | 4,221 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 3,318 |
| Cost of funding earning assets | 0.3558% | 4,028 |
| Net interest margin | 3.5267% | 2,496 |
| Noninterest income to average assets | 0.2886% | 3,756 |
| Noninterest expense to average assets | 2.0790% | 3,991 |
| Loan and lease loss provision to assets | 0.0500% | 3,725 |
| Net operating income to assets | 1.5073% | 890 |
| Return on assets (ROA) | 1.5073% | 971 |
| Pretax return on assets | 1.5073% | 1,432 |
| Return on Equity (ROE) | 8.1244% | 2,760 |
| Retained earnings to average equity (ytd only) | -0.8071% | 4,594 |
| Net charge-offs to loans | 0.0271% | 2,292 |
| Credit loss provision to net charge-offs | 511.1111% | 1,266 |
| Earnings coverage of net charge-offs (x) | 158.3333% | 576 |
| Efficiency ratio | 57.1686% | 3,772 |
| Assets per employee ($millions) | 7.5419% | 1,184 |
| Cash dividends to net income (ytd only)* | 109.9347% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0172% | 480 |
| Loan loss allowance to noncurrent loans | 208.7963% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 2,794 |
| Noncurrent loans to loans | 0.9661% | 1,556 |
| Net loans and leases to total assets | 34.1728% | 4,736 |
| Net loans and leases to deposits | 42.1163% | 4,696 |
| Net loans and leases to core deposits | 46.5665% | 4,655 |
| Total domestic deposits to total assets | 81.1392% | 3,626 |
| Equity capital to assets | 18.3086% | 284 |
| Core capital (leverage) ratio | 17.6977% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9528% | 125 |
| Memoranda: | ||
| Average total assets | $121,978,000 | 3,712 |
| Average earning assets | $115,799,750 | 3,667 |
| Average equity | $22,630,750 | 2,967 |
| Average total loans | $44,288,000 | 4,243 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8481% | 3,748 |
| Cost of funding earning assets | 0.3975% | 4,042 |
| Net interest margin | 3.4505% | 2,943 |
| Noninterest income to average assets | 0.5421% | 2,385 |
| Noninterest expense to average assets | 2.0851% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7581% | 550 |
| Return on assets (ROA) | 1.7581% | 599 |
| Pretax return on assets | 1.7581% | 878 |
| Return on Equity (ROE) | 9.4319% | 2,187 |
| Retained earnings to average equity (ytd only) | 8.5191% | 1,154 |
| Net charge-offs to loans | 0.0453% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 105.4000% | 676 |
| Efficiency ratio | 54.2535% | 4,150 |
| Assets per employee ($millions) | 7.1778% | 1,344 |
| Cash dividends to net income (ytd only)* | 9.6774% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 558 |
| Loan loss allowance to noncurrent loans | 252.2124% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 3,211 |
| Noncurrent loans to loans | 0.7446% | 2,014 |
| Net loans and leases to total assets | 36.6095% | 4,706 |
| Net loans and leases to deposits | 46.1202% | 4,653 |
| Net loans and leases to core deposits | 51.0812% | 4,596 |
| Total domestic deposits to total assets | 79.3785% | 3,958 |
| Equity capital to assets | 19.2939% | 234 |
| Core capital (leverage) ratio | 18.3033% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1215% | 128 |
| Memoranda: | ||
| Average total assets | $119,899,667 | 3,723 |
| Average earning assets | $114,707,333 | 3,668 |
| Average equity | $22,349,667 | 2,975 |
| Average total loans | $44,145,333 | 4,256 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8879% | 4,056 |
| Cost of funding earning assets | 0.4611% | 4,109 |
| Net interest margin | 3.4268% | 3,224 |
| Noninterest income to average assets | 0.3703% | 3,296 |
| Noninterest expense to average assets | 2.2181% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4541% | 871 |
| Return on assets (ROA) | 1.4541% | 943 |
| Pretax return on assets | 1.4541% | 1,428 |
| Return on Equity (ROE) | 7.9437% | 2,544 |
| Retained earnings to average equity (ytd only) | -7.1714% | 4,654 |
| Net charge-offs to loans | 0.0276% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 446 |
| Efficiency ratio | 60.4033% | 3,688 |
| Assets per employee ($millions) | 6.8839% | 1,147 |
| Cash dividends to net income (ytd only)* | 190.2778% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9772% | 518 |
| Loan loss allowance to noncurrent loans | 124.0288% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 2,217 |
| Noncurrent loans to loans | 1.5942% | 985 |
| Net loans and leases to total assets | 36.5167% | 4,762 |
| Net loans and leases to deposits | 47.7379% | 4,666 |
| Net loans and leases to core deposits | 53.3568% | 4,589 |
| Total domestic deposits to total assets | 76.4941% | 4,424 |
| Equity capital to assets | 18.1370% | 341 |
| Core capital (leverage) ratio | 17.9938% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.0800% | 121 |
| Memoranda: | ||
| Average total assets | $118,838,000 | 3,720 |
| Average earning assets | $114,509,000 | 3,639 |
| Average equity | $21,753,000 | 3,011 |
| Average total loans | $43,454,500 | 4,291 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 4,462 |
| Cost of funding earning assets | 0.4182% | 4,380 |
| Net interest margin | 3.4673% | 3,542 |
| Noninterest income to average assets | 0.2974% | 3,901 |
| Noninterest expense to average assets | 2.0749% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5515% | 939 |
| Return on assets (ROA) | 1.5515% | 994 |
| Pretax return on assets | 1.5515% | 1,645 |
| Return on Equity (ROE) | 8.7185% | 2,869 |
| Retained earnings to average equity (ytd only) | 6.5471% | 1,587 |
| Net charge-offs to loans | -0.1382% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2157% | 4,060 |
| Assets per employee ($millions) | 7.0971% | 1,004 |
| Cash dividends to net income (ytd only)* | 24.9053% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 459 |
| Loan loss allowance to noncurrent loans | 396.7890% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 3,747 |
| Noncurrent loans to loans | 0.5033% | 2,681 |
| Net loans and leases to total assets | 35.1828% | 4,865 |
| Net loans and leases to deposits | 44.8043% | 4,810 |
| Net loans and leases to core deposits | 50.2046% | 4,757 |
| Total domestic deposits to total assets | 78.5255% | 4,277 |
| Equity capital to assets | 18.4675% | 333 |
| Core capital (leverage) ratio | 18.0419% | 339 |
| Tier 1 risk-based capital ratio | 41.9076% | 215 |
| Total risk-based capital ratio | 43.1633% | 211 |
| Memoranda: | ||
| Average total assets | $119,042,600 | 3,719 |
| Average earning assets | $114,298,000 | 3,642 |
| Average equity | $21,184,800 | 3,025 |
| Average total loans | $42,706,600 | 4,346 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 4,573 |
| Cost of funding earning assets | 0.4082% | 4,474 |
| Net interest margin | 3.4658% | 3,678 |
| Noninterest income to average assets | 0.3034% | 3,925 |
| Noninterest expense to average assets | 2.0476% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5767% | 981 |
| Return on assets (ROA) | 1.5767% | 1,036 |
| Pretax return on assets | 1.5767% | 1,712 |
| Return on Equity (ROE) | 8.9457% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.9457% | 1,064 |
| Net charge-offs to loans | 0.0282% | 2,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 155.8850% | 525 |
| Efficiency ratio | 56.4961% | 4,114 |
| Assets per employee ($millions) | 6.6330% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 662 |
| Loan loss allowance to noncurrent loans | 355.8036% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 3,820 |
| Noncurrent loans to loans | 0.5085% | 2,769 |
| Net loans and leases to total assets | 36.2246% | 4,934 |
| Net loans and leases to deposits | 46.6544% | 4,858 |
| Net loans and leases to core deposits | 52.3995% | 4,790 |
| Total domestic deposits to total assets | 77.6446% | 4,419 |
| Equity capital to assets | 18.6885% | 331 |
| Core capital (leverage) ratio | 18.2418% | 335 |
| Tier 1 risk-based capital ratio | 42.1404% | 209 |
| Total risk-based capital ratio | 43.3943% | 207 |
| Memoranda: | ||
| Average total assets | $118,640,750 | 3,765 |
| Average earning assets | $113,680,000 | 3,686 |
| Average equity | $20,910,750 | 3,072 |
| Average total loans | $42,555,000 | 4,404 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 4,710 |
| Cost of funding earning assets | 0.3764% | 4,596 |
| Net interest margin | 3.4247% | 3,815 |
| Noninterest income to average assets | 0.3041% | 3,897 |
| Noninterest expense to average assets | 2.0677% | 4,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5103% | 1,120 |
| Return on assets (ROA) | 1.5103% | 1,170 |
| Pretax return on assets | 1.5103% | 1,829 |
| Return on Equity (ROE) | 8.7461% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.7461% | 1,113 |
| Net charge-offs to loans | 0.0380% | 2,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 111.7500% | 644 |
| Efficiency ratio | 57.7904% | 4,041 |
| Assets per employee ($millions) | 6.6371% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8064% | 674 |
| Loan loss allowance to noncurrent loans | 364.3836% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 3,843 |
| Noncurrent loans to loans | 0.4957% | 2,797 |
| Net loans and leases to total assets | 36.3096% | 4,963 |
| Net loans and leases to deposits | 45.8347% | 4,911 |
| Net loans and leases to core deposits | 51.3222% | 4,835 |
| Total domestic deposits to total assets | 79.2185% | 4,181 |
| Equity capital to assets | 18.1648% | 364 |
| Core capital (leverage) ratio | 17.9451% | 349 |
| Tier 1 risk-based capital ratio | 41.2643% | 218 |
| Total risk-based capital ratio | 42.5176% | 215 |
| Memoranda: | ||
| Average total assets | $118,389,670 | 3,789 |
| Average earning assets | $113,177,330 | 3,722 |
| Average equity | $20,443,330 | 3,107 |
| Average total loans | $42,057,670 | 4,441 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,761 |
| Cost of funding earning assets | 0.3245% | 4,756 |
| Net interest margin | 3.4373% | 3,786 |
| Noninterest income to average assets | 0.3123% | 3,773 |
| Noninterest expense to average assets | 2.1247% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4595% | 1,202 |
| Return on assets (ROA) | 1.4595% | 1,232 |
| Pretax return on assets | 1.4595% | 1,890 |
| Return on Equity (ROE) | 8.6805% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.6805% | 1,424 |
| Net charge-offs to loans | 0.0585% | 1,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 71.6667% | 831 |
| Efficiency ratio | 59.2803% | 3,913 |
| Assets per employee ($millions) | 6.8096% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 552 |
| Loan loss allowance to noncurrent loans | 95.0119% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 1,931 |
| Noncurrent loans to loans | 2.0515% | 715 |
| Net loans and leases to total assets | 34.7641% | 5,054 |
| Net loans and leases to deposits | 42.6417% | 5,021 |
| Net loans and leases to core deposits | 47.3576% | 4,952 |
| Total domestic deposits to total assets | 81.5260% | 3,849 |
| Equity capital to assets | 17.5635% | 383 |
| Core capital (leverage) ratio | 17.9447% | 343 |
| Tier 1 risk-based capital ratio | 41.8711% | 207 |
| Total risk-based capital ratio | 43.1250% | 202 |
| Memoranda: | ||
| Average total assets | $117,851,000 | 3,839 |
| Average earning assets | $112,182,000 | 3,781 |
| Average equity | $19,814,500 | 3,177 |
| Average total loans | $40,998,500 | 4,512 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 4,654 |
| Cost of funding earning assets | 0.3032% | 4,562 |
| Net interest margin | 3.4072% | 3,981 |
| Noninterest income to average assets | 0.2753% | 4,261 |
| Noninterest expense to average assets | 2.0655% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4788% | 1,177 |
| Return on assets (ROA) | 1.4788% | 1,168 |
| Pretax return on assets | 1.4788% | 1,846 |
| Return on Equity (ROE) | 9.6171% | 2,683 |
| Retained earnings to average equity (ytd only) | 6.7160% | 1,804 |
| Net charge-offs to loans | 0.0072% | 3,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 603.3333% | 177 |
| Efficiency ratio | 58.2757% | 4,122 |
| Assets per employee ($millions) | 7.0552% | 952 |
| Cash dividends to net income (ytd only)* | 30.1657% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 499 |
| Loan loss allowance to noncurrent loans | 544.5946% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 4,206 |
| Noncurrent loans to loans | 0.3614% | 3,244 |
| Net loans and leases to total assets | 33.4728% | 5,131 |
| Net loans and leases to deposits | 42.0379% | 5,081 |
| Net loans and leases to core deposits | 46.1253% | 5,036 |
| Total domestic deposits to total assets | 79.6255% | 4,186 |
| Equity capital to assets | 16.0890% | 522 |
| Core capital (leverage) ratio | 16.9507% | 412 |
| Tier 1 risk-based capital ratio | 41.5402% | 214 |
| Total risk-based capital ratio | 42.7941% | 212 |
| Memoranda: | ||
| Average total assets | $122,392,400 | 3,753 |
| Average earning assets | $117,427,200 | 3,687 |
| Average equity | $18,820,600 | 3,200 |
| Average total loans | $41,590,600 | 4,505 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 4,748 |
| Cost of funding earning assets | 0.2575% | 4,745 |
| Net interest margin | 3.3758% | 4,077 |
| Noninterest income to average assets | 0.2721% | 4,334 |
| Noninterest expense to average assets | 2.0074% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5186% | 1,152 |
| Return on assets (ROA) | 1.5186% | 1,148 |
| Pretax return on assets | 1.5186% | 1,842 |
| Return on Equity (ROE) | 9.9882% | 2,628 |
| Retained earnings to average equity (ytd only) | 9.1684% | 1,159 |
| Net charge-offs to loans | 0.0096% | 3,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 466.9875% | 199 |
| Efficiency ratio | 56.9321% | 4,258 |
| Assets per employee ($millions) | 6.7969% | 1,019 |
| Cash dividends to net income (ytd only)* | 8.2085% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 565 |
| Loan loss allowance to noncurrent loans | 588.3212% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 4,410 |
| Noncurrent loans to loans | 0.3267% | 3,499 |
| Net loans and leases to total assets | 33.6191% | 5,208 |
| Net loans and leases to deposits | 44.8818% | 5,088 |
| Net loans and leases to core deposits | 49.3870% | 5,037 |
| Total domestic deposits to total assets | 74.9060% | 4,895 |
| Equity capital to assets | 15.3641% | 648 |
| Core capital (leverage) ratio | 16.7055% | 444 |
| Tier 1 risk-based capital ratio | 40.0141% | 235 |
| Total risk-based capital ratio | 41.2679% | 231 |
| Memoranda: | ||
| Average total assets | $123,005,750 | 3,784 |
| Average earning assets | $118,565,750 | 3,709 |
| Average equity | $18,701,500 | 3,234 |
| Average total loans | $41,750,000 | 4,546 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 4,778 |
| Cost of funding earning assets | 0.2255% | 4,883 |
| Net interest margin | 3.3664% | 4,054 |
| Noninterest income to average assets | 0.2727% | 4,364 |
| Noninterest expense to average assets | 2.0726% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4461% | 1,295 |
| Return on assets (ROA) | 1.4461% | 1,296 |
| Pretax return on assets | 1.4461% | 1,999 |
| Return on Equity (ROE) | 9.5449% | 2,775 |
| Retained earnings to average equity (ytd only) | 9.5449% | 1,054 |
| Net charge-offs to loans | 0.0384% | 2,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 111.3750% | 645 |
| Efficiency ratio | 58.9022% | 4,103 |
| Assets per employee ($millions) | 6.7893% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9610% | 552 |
| Loan loss allowance to noncurrent loans | 184.5622% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,328 |
| Noncurrent loans to loans | 1.0625% | 1,660 |
| Net loans and leases to total assets | 32.7690% | 5,271 |
| Net loans and leases to deposits | 39.4717% | 5,259 |
| Net loans and leases to core deposits | 42.6661% | 5,222 |
| Total domestic deposits to total assets | 83.0190% | 3,409 |
| Equity capital to assets | 15.3256% | 625 |
| Core capital (leverage) ratio | 16.3044% | 462 |
| Tier 1 risk-based capital ratio | 39.4406% | 238 |
| Total risk-based capital ratio | 40.6949% | 235 |
| Memoranda: | ||
| Average total assets | $123,226,330 | 3,805 |
| Average earning assets | $118,821,000 | 3,735 |
| Average equity | $18,669,670 | 3,255 |
| Average total loans | $41,687,670 | 4,592 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5501% | 4,794 |
| Cost of funding earning assets | 0.2148% | 4,930 |
| Net interest margin | 3.3354% | 4,089 |
| Noninterest income to average assets | 0.2715% | 4,353 |
| Noninterest expense to average assets | 2.0463% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4385% | 1,231 |
| Return on assets (ROA) | 1.4385% | 1,237 |
| Pretax return on assets | 1.4385% | 1,869 |
| Return on Equity (ROE) | 9.5494% | 2,663 |
| Retained earnings to average equity (ytd only) | 9.5494% | 1,299 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7199% | 4,263 |
| Assets per employee ($millions) | 7.3774% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9652% | 586 |
| Loan loss allowance to noncurrent loans | 2,074.3590% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 4,953 |
| Noncurrent loans to loans | 0.0947% | 4,548 |
| Net loans and leases to total assets | 32.1785% | 5,323 |
| Net loans and leases to deposits | 38.4638% | 5,307 |
| Net loans and leases to core deposits | 41.6989% | 5,272 |
| Total domestic deposits to total assets | 83.6592% | 3,448 |
| Equity capital to assets | 14.7573% | 728 |
| Core capital (leverage) ratio | 15.9179% | 499 |
| Tier 1 risk-based capital ratio | 37.9438% | 259 |
| Total risk-based capital ratio | 39.1985% | 252 |
| Memoranda: | ||
| Average total assets | $123,736,000 | 3,836 |
| Average earning assets | $119,207,500 | 3,762 |
| Average equity | $18,640,000 | 3,289 |
| Average total loans | $42,108,000 | 4,631 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5589% | 4,670 |
| Cost of funding earning assets | 0.2033% | 4,922 |
| Net interest margin | 3.3556% | 3,990 |
| Noninterest income to average assets | 0.2729% | 4,496 |
| Noninterest expense to average assets | 2.0329% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4711% | 867 |
| Return on assets (ROA) | 1.4711% | 876 |
| Pretax return on assets | 1.4711% | 1,744 |
| Return on Equity (ROE) | 9.2823% | 2,181 |
| Retained earnings to average equity (ytd only) | 8.3252% | 662 |
| Net charge-offs to loans | 0.0363% | 3,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 115.7333% | 583 |
| Efficiency ratio | 58.0169% | 4,524 |
| Assets per employee ($millions) | 7.1830% | 896 |
| Cash dividends to net income (ytd only)* | 10.3111% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 675 |
| 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 | 34.5923% | 5,329 |
| Net loans and leases to deposits | 41.6788% | 5,303 |
| Net loans and leases to core deposits | 45.3157% | 5,257 |
| Total domestic deposits to total assets | 82.9974% | 3,566 |
| Equity capital to assets | 15.4179% | 599 |
| Core capital (leverage) ratio | 15.3888% | 560 |
| Tier 1 risk-based capital ratio | 36.9846% | 274 |
| Total risk-based capital ratio | 38.2365% | 271 |
| Memoranda: | ||
| Average total assets | $118,009,800 | 3,930 |
| Average earning assets | $113,631,600 | 3,847 |
| Average equity | $18,702,200 | 3,274 |
| Average total loans | $41,280,400 | 4,688 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5240% | 4,760 |
| Cost of funding earning assets | 0.2082% | 4,903 |
| Net interest margin | 3.3158% | 4,114 |
| Noninterest income to average assets | 0.2758% | 4,536 |
| Noninterest expense to average assets | 2.0515% | 4,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4190% | 1,051 |
| Return on assets (ROA) | 1.4190% | 1,079 |
| Pretax return on assets | 1.4190% | 2,066 |
| Return on Equity (ROE) | 8.8906% | 2,673 |
| Retained earnings to average equity (ytd only) | 7.6123% | 1,382 |
| Net charge-offs to loans | 0.0196% | 3,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 207.4950% | 416 |
| Efficiency ratio | 59.1133% | 4,335 |
| Assets per employee ($millions) | 7.3516% | 811 |
| Cash dividends to net income (ytd only)* | 14.3775% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 635 |
| Loan loss allowance to noncurrent loans | 252.4691% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 4,026 |
| Noncurrent loans to loans | 0.7716% | 2,439 |
| Net loans and leases to total assets | 32.9442% | 5,433 |
| Net loans and leases to deposits | 39.8392% | 5,424 |
| Net loans and leases to core deposits | 43.0567% | 5,389 |
| Total domestic deposits to total assets | 82.6930% | 3,550 |
| Equity capital to assets | 15.5251% | 625 |
| Core capital (leverage) ratio | 16.1178% | 479 |
| Tier 1 risk-based capital ratio | 36.0946% | 300 |
| Total risk-based capital ratio | 37.3474% | 293 |
| Memoranda: | ||
| Average total assets | $116,984,500 | 3,982 |
| Average earning assets | $112,711,250 | 3,907 |
| Average equity | $18,671,000 | 3,309 |
| Average total loans | $40,838,000 | 4,751 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 4,554 |
| Cost of funding earning assets | 0.2107% | 4,886 |
| Net interest margin | 3.3735% | 3,865 |
| Noninterest income to average assets | 0.2939% | 4,440 |
| Noninterest expense to average assets | 2.1431% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3996% | 1,069 |
| Return on assets (ROA) | 1.3996% | 1,092 |
| Pretax return on assets | 1.3996% | 2,024 |
| Return on Equity (ROE) | 8.6829% | 2,675 |
| Retained earnings to average equity (ytd only) | 6.7401% | 1,720 |
| Net charge-offs to loans | 0.0494% | 2,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 770 |
| Efficiency ratio | 60.4938% | 4,245 |
| Assets per employee ($millions) | 7.0697% | 901 |
| Cash dividends to net income (ytd only)* | 22.3750% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 612 |
| Loan loss allowance to noncurrent loans | 3,876.1905% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 5,222 |
| Noncurrent loans to loans | 0.0514% | 4,934 |
| Net loans and leases to total assets | 33.3336% | 5,471 |
| Net loans and leases to deposits | 43.2696% | 5,357 |
| Net loans and leases to core deposits | 46.1358% | 5,337 |
| Total domestic deposits to total assets | 77.0371% | 4,951 |
| Equity capital to assets | 15.8539% | 550 |
| Core capital (leverage) ratio | 16.2206% | 450 |
| Tier 1 risk-based capital ratio | 36.9945% | 263 |
| Total risk-based capital ratio | 38.6839% | 249 |
| Memoranda: | ||
| Average total assets | $114,320,000 | 4,055 |
| Average earning assets | $110,094,670 | 3,973 |
| Average equity | $18,427,000 | 3,342 |
| Average total loans | $40,453,670 | 4,792 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7109% | 4,087 |
| Cost of funding earning assets | 0.2051% | 4,930 |
| Net interest margin | 3.5057% | 3,251 |
| Noninterest income to average assets | 0.3016% | 4,401 |
| Noninterest expense to average assets | 2.1977% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4795% | 852 |
| Return on assets (ROA) | 1.4795% | 876 |
| Pretax return on assets | 1.4795% | 1,606 |
| Return on Equity (ROE) | 9.0982% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.0982% | 1,045 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7656% | 4,487 |
| Assets per employee ($millions) | 6.6901% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1042% | 549 |
| Loan loss allowance to noncurrent loans | 41,200.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,381 |
| Noncurrent loans to loans | 0.0051% | 5,248 |
| Net loans and leases to total assets | 33.7073% | 5,477 |
| Net loans and leases to deposits | 41.1927% | 5,433 |
| Net loans and leases to core deposits | 43.4092% | 5,429 |
| Total domestic deposits to total assets | 81.8283% | 4,213 |
| Equity capital to assets | 16.1925% | 464 |
| Core capital (leverage) ratio | 16.0888% | 452 |
| Tier 1 risk-based capital ratio | 37.1450% | 272 |
| Total risk-based capital ratio | 38.4477% | 266 |
| Memoranda: | ||
| Average total assets | $111,387,500 | 4,145 |
| Average earning assets | $107,252,500 | 4,061 |
| Average equity | $18,113,500 | 3,402 |
| Average total loans | $40,242,500 | 4,841 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,427 |
| Cost of funding earning assets | 0.2334% | 4,709 |
| Net interest margin | 3.3998% | 3,828 |
| Noninterest income to average assets | 0.2869% | 4,690 |
| Noninterest expense to average assets | 2.2769% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2787% | 1,275 |
| Return on assets (ROA) | 1.3013% | 1,283 |
| Pretax return on assets | 1.3013% | 2,282 |
| Return on Equity (ROE) | 7.8047% | 3,052 |
| Retained earnings to average equity (ytd only) | 5.5035% | 2,012 |
| Net charge-offs to loans | 0.0025% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1,413.0000% | 42 |
| Efficiency ratio | 64.0367% | 3,931 |
| Assets per employee ($millions) | 6.8152% | 999 |
| Cash dividends to net income (ytd only)* | 29.4854% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9940% | 665 |
| Loan loss allowance to noncurrent loans | 2,354.2857% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 5,242 |
| Noncurrent loans to loans | 0.0847% | 4,904 |
| Net loans and leases to total assets | 37.1422% | 5,441 |
| Net loans and leases to deposits | 45.4950% | 5,383 |
| Net loans and leases to core deposits | 48.7835% | 5,342 |
| Total domestic deposits to total assets | 81.6403% | 4,164 |
| Equity capital to assets | 16.3339% | 456 |
| Core capital (leverage) ratio | 16.4370% | 409 |
| Tier 1 risk-based capital ratio | 36.5127% | 288 |
| Total risk-based capital ratio | 37.6396% | 284 |
| Memoranda: | ||
| Average total assets | $110,500,800 | 4,151 |
| Average earning assets | $106,242,600 | 4,071 |
| Average equity | $18,424,800 | 3,350 |
| Average total loans | $40,011,800 | 4,883 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6289% | 4,472 |
| Cost of funding earning assets | 0.2427% | 4,672 |
| Net interest margin | 3.3862% | 3,903 |
| Noninterest income to average assets | 0.2886% | 4,707 |
| Noninterest expense to average assets | 2.2104% | 4,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3337% | 1,198 |
| Return on assets (ROA) | 1.3638% | 1,213 |
| Pretax return on assets | 1.3638% | 2,182 |
| Return on Equity (ROE) | 8.1383% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.4925% | 1,408 |
| Net charge-offs to loans | 0.0336% | 2,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 110.9250% | 610 |
| Efficiency ratio | 62.3685% | 4,165 |
| Assets per employee ($millions) | 5.8401% | 1,549 |
| Cash dividends to net income (ytd only)* | 7.9367% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0457% | 668 |
| Loan loss allowance to noncurrent loans | 1,234.8485% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 5,207 |
| Noncurrent loans to loans | 0.1657% | 4,696 |
| Net loans and leases to total assets | 35.1691% | 5,582 |
| Net loans and leases to deposits | 43.6965% | 5,522 |
| Net loans and leases to core deposits | 46.4273% | 5,497 |
| Total domestic deposits to total assets | 80.4850% | 4,395 |
| Equity capital to assets | 17.2475% | 410 |
| Core capital (leverage) ratio | 16.6465% | 395 |
| Tier 1 risk-based capital ratio | 37.4396% | 272 |
| Total risk-based capital ratio | 39.7801% | 252 |
| Memoranda: | ||
| Average total assets | $110,865,250 | 4,175 |
| Average earning assets | $106,587,000 | 4,093 |
| Average equity | $18,578,250 | 3,361 |
| Average total loans | $39,683,500 | 4,938 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 4,436 |
| Cost of funding earning assets | 0.2421% | 4,733 |
| Net interest margin | 3.4115% | 3,846 |
| Noninterest income to average assets | 0.2923% | 4,697 |
| Noninterest expense to average assets | 2.2683% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3047% | 1,258 |
| Return on assets (ROA) | 1.3047% | 1,360 |
| Pretax return on assets | 1.3047% | 2,386 |
| Return on Equity (ROE) | 7.8623% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.8836% | 1,674 |
| Net charge-offs to loans | -0.0656% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4848% | 4,103 |
| Assets per employee ($millions) | 5.8306% | 1,523 |
| Cash dividends to net income (ytd only)* | 12.4481% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0790% | 636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 35.6280% | 5,622 |
| Net loans and leases to deposits | 48.4514% | 5,410 |
| Net loans and leases to core deposits | 51.2838% | 5,390 |
| Total domestic deposits to total assets | 73.5334% | 5,565 |
| Equity capital to assets | 17.0137% | 433 |
| Core capital (leverage) ratio | 15.8824% | 479 |
| Tier 1 risk-based capital ratio | 36.5154% | 299 |
| Total risk-based capital ratio | 38.9679% | 270 |
| Memoranda: | ||
| Average total assets | $110,833,330 | 4,214 |
| Average earning assets | $106,579,330 | 4,124 |
| Average equity | $18,391,670 | 3,384 |
| Average total loans | $39,631,670 | 4,984 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 4,341 |
| Cost of funding earning assets | 0.2396% | 4,810 |
| Net interest margin | 3.4560% | 3,642 |
| Noninterest income to average assets | 0.3175% | 4,459 |
| Noninterest expense to average assets | 2.2190% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4288% | 982 |
| Return on assets (ROA) | 1.4288% | 1,027 |
| Pretax return on assets | 1.4288% | 1,807 |
| Return on Equity (ROE) | 8.7208% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.7208% | 1,193 |
| Net charge-offs to loans | 0.1629% | 1,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,318 |
| Efficiency ratio | 60.8309% | 4,628 |
| Assets per employee ($millions) | 5.8234% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0583% | 740 |
| Loan loss allowance to noncurrent loans | 594.8529% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 5,084 |
| Noncurrent loans to loans | 0.3460% | 4,195 |
| Net loans and leases to total assets | 34.7924% | 5,687 |
| Net loans and leases to deposits | 45.4337% | 5,540 |
| Net loans and leases to core deposits | 47.9803% | 5,512 |
| Total domestic deposits to total assets | 76.5782% | 5,350 |
| Equity capital to assets | 16.7030% | 449 |
| Core capital (leverage) ratio | 15.4320% | 542 |
| Tier 1 risk-based capital ratio | 36.9757% | 291 |
| Total risk-based capital ratio | 39.3352% | 265 |
| Memoranda: | ||
| Average total assets | $110,859,500 | 4,248 |
| Average earning assets | $106,828,500 | 4,148 |
| Average equity | $18,163,500 | 3,417 |
| Average total loans | $39,294,000 | 5,035 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 4,455 |
| Cost of funding earning assets | 0.2479% | 4,806 |
| Net interest margin | 3.4235% | 3,823 |
| Noninterest income to average assets | 0.3222% | 4,594 |
| Noninterest expense to average assets | 2.2977% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3123% | 1,238 |
| Return on assets (ROA) | 1.3123% | 1,290 |
| Pretax return on assets | 1.3123% | 2,233 |
| Return on Equity (ROE) | 8.0332% | 2,941 |
| Retained earnings to average equity (ytd only) | 7.5647% | 1,077 |
| Net charge-offs to loans | -0.0546% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6483% | 4,339 |
| Assets per employee ($millions) | 5.8460% | 1,502 |
| Cash dividends to net income (ytd only)* | 5.8315% | 4,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1001% | 687 |
| Loan loss allowance to noncurrent loans | 434.2105% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 4,919 |
| Noncurrent loans to loans | 0.4837% | 3,752 |
| Net loans and leases to total assets | 34.6238% | 5,756 |
| Net loans and leases to deposits | 43.7908% | 5,656 |
| Net loans and leases to core deposits | 46.9997% | 5,606 |
| Total domestic deposits to total assets | 79.0662% | 4,965 |
| Equity capital to assets | 16.0668% | 513 |
| Core capital (leverage) ratio | 15.4316% | 547 |
| Tier 1 risk-based capital ratio | 36.5063% | 295 |
| Total risk-based capital ratio | 38.6446% | 270 |
| Memoranda: | ||
| Average total assets | $105,844,200 | 4,338 |
| Average earning assets | $101,651,000 | 4,245 |
| Average equity | $17,290,800 | 3,493 |
| Average total loans | $36,653,600 | 5,131 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6796% | 4,479 |
| Cost of funding earning assets | 0.2527% | 4,852 |
| Net interest margin | 3.4269% | 3,849 |
| Noninterest income to average assets | 0.3265% | 4,601 |
| Noninterest expense to average assets | 2.3328% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2805% | 1,392 |
| Return on assets (ROA) | 1.2805% | 1,448 |
| Pretax return on assets | 1.2805% | 2,469 |
| Return on Equity (ROE) | 7.8045% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.1749% | 1,610 |
| Net charge-offs to loans | -0.0667% | 5,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5605% | 4,147 |
| Assets per employee ($millions) | 5.7448% | 1,551 |
| Cash dividends to net income (ytd only)* | 8.0680% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1977% | 667 |
| Loan loss allowance to noncurrent loans | 459.7765% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 5,104 |
| Noncurrent loans to loans | 0.4780% | 3,929 |
| Net loans and leases to total assets | 33.5541% | 5,876 |
| Net loans and leases to deposits | 41.9050% | 5,807 |
| Net loans and leases to core deposits | 44.3977% | 5,779 |
| Total domestic deposits to total assets | 80.0718% | 4,737 |
| Equity capital to assets | 16.0757% | 549 |
| Core capital (leverage) ratio | 15.7444% | 526 |
| Tier 1 risk-based capital ratio | 36.0628% | 323 |
| Total risk-based capital ratio | 38.2961% | 300 |
| Memoranda: | ||
| Average total assets | $104,536,750 | 4,412 |
| Average earning assets | $100,262,250 | 4,324 |
| Average equity | $17,152,000 | 3,534 |
| Average total loans | $35,996,250 | 5,215 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7172% | 4,360 |
| Cost of funding earning assets | 0.2609% | 4,820 |
| Net interest margin | 3.4563% | 3,677 |
| Noninterest income to average assets | 0.3243% | 4,625 |
| Noninterest expense to average assets | 2.4039% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2389% | 1,496 |
| Return on assets (ROA) | 1.2389% | 1,562 |
| Pretax return on assets | 1.2389% | 2,608 |
| Return on Equity (ROE) | 7.4969% | 3,322 |
| Retained earnings to average equity (ytd only) | 6.5451% | 1,925 |
| Net charge-offs to loans | -0.0845% | 5,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9915% | 4,008 |
| Assets per employee ($millions) | 5.4634% | 1,772 |
| Cash dividends to net income (ytd only)* | 12.6959% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2553% | 677 |
| Loan loss allowance to noncurrent loans | 1,863.6364% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 5,693 |
| Noncurrent loans to loans | 0.1210% | 5,277 |
| Net loans and leases to total assets | 34.2353% | 5,899 |
| Net loans and leases to deposits | 43.8454% | 5,775 |
| Net loans and leases to core deposits | 46.4185% | 5,749 |
| Total domestic deposits to total assets | 78.0820% | 5,267 |
| Equity capital to assets | 16.3942% | 476 |
| Core capital (leverage) ratio | 15.7924% | 496 |
| Tier 1 risk-based capital ratio | 35.2614% | 354 |
| Total risk-based capital ratio | 37.3355% | 334 |
| Memoranda: | ||
| Average total assets | $102,998,330 | 4,491 |
| Average earning assets | $98,891,330 | 4,402 |
| Average equity | $17,020,330 | 3,564 |
| Average total loans | $35,512,330 | 5,279 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 4,341 |
| Cost of funding earning assets | 0.2639% | 4,864 |
| Net interest margin | 3.4428% | 3,655 |
| Noninterest income to average assets | 0.3470% | 4,422 |
| Noninterest expense to average assets | 2.1872% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4660% | 911 |
| Return on assets (ROA) | 1.4660% | 968 |
| Pretax return on assets | 1.4660% | 1,672 |
| Return on Equity (ROE) | 8.8359% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.8359% | 1,256 |
| Net charge-offs to loans | -0.0570% | 5,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8719% | 5,104 |
| Assets per employee ($millions) | 5.7314% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3326% | 678 |
| Loan loss allowance to noncurrent loans | 1,191.1765% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 5,669 |
| Noncurrent loans to loans | 0.1958% | 5,075 |
| Net loans and leases to total assets | 32.8742% | 5,971 |
| Net loans and leases to deposits | 40.7711% | 5,886 |
| Net loans and leases to core deposits | 42.9619% | 5,869 |
| Total domestic deposits to total assets | 80.6312% | 4,906 |
| Equity capital to assets | 16.7429% | 464 |
| Core capital (leverage) ratio | 15.6628% | 511 |
| Tier 1 risk-based capital ratio | 35.7025% | 342 |
| Total risk-based capital ratio | 38.1994% | 306 |
| Memoranda: | ||
| Average total assets | $102,595,000 | 4,539 |
| Average earning assets | $98,524,500 | 4,444 |
| Average equity | $17,021,500 | 3,588 |
| Average total loans | $35,089,500 | 5,325 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 3,625 |
| Cost of funding earning assets | 0.3022% | 4,771 |
| Net interest margin | 3.7225% | 2,917 |
| Noninterest income to average assets | 0.3467% | 4,625 |
| Noninterest expense to average assets | 2.3268% | 5,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5915% | 717 |
| Return on assets (ROA) | 1.5915% | 753 |
| Pretax return on assets | 1.5915% | 1,262 |
| Return on Equity (ROE) | 9.5511% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.5511% | 594 |
| Net charge-offs to loans | 0.0084% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 505.0000% | 101 |
| Efficiency ratio | 59.3834% | 5,298 |
| Assets per employee ($millions) | 5.6680% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2705% | 751 |
| Loan loss allowance to noncurrent loans | 5,366.6667% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 5,993 |
| Noncurrent loans to loans | 0.0423% | 5,705 |
| Net loans and leases to total assets | 33.9616% | 6,037 |
| Net loans and leases to deposits | 45.6430% | 5,809 |
| Net loans and leases to core deposits | 48.5185% | 5,788 |
| Total domestic deposits to total assets | 74.4070% | 5,910 |
| Equity capital to assets | 16.4373% | 482 |
| Core capital (leverage) ratio | 15.5861% | 519 |
| Tier 1 risk-based capital ratio | 37.0661% | 285 |
| Total risk-based capital ratio | 38.2477% | 277 |
| Memoranda: | ||
| Average total assets | $95,195,600 | 4,715 |
| Average earning assets | $91,336,800 | 4,623 |
| Average equity | $15,862,000 | 3,691 |
| Average total loans | $35,820,800 | 5,337 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 3,322 |
| Cost of funding earning assets | 0.3096% | 4,784 |
| Net interest margin | 3.8050% | 2,606 |
| Noninterest income to average assets | 0.3580% | 4,571 |
| Noninterest expense to average assets | 2.3232% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6800% | 637 |
| Return on assets (ROA) | 1.6800% | 664 |
| Pretax return on assets | 1.6800% | 1,113 |
| Return on Equity (ROE) | 10.0456% | 2,199 |
| Retained earnings to average equity (ytd only) | 10.0456% | 693 |
| Net charge-offs to loans | 0.0037% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,180.9248% | 55 |
| Efficiency ratio | 58.0335% | 5,439 |
| Assets per employee ($millions) | 5.5793% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3431% | 790 |
| Loan loss allowance to noncurrent loans | 849.4737% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 5,784 |
| Noncurrent loans to loans | 0.2758% | 5,084 |
| Net loans and leases to total assets | 33.4920% | 6,136 |
| Net loans and leases to deposits | 43.4347% | 6,003 |
| Net loans and leases to core deposits | 46.1449% | 5,952 |
| Total domestic deposits to total assets | 77.1087% | 5,658 |
| Equity capital to assets | 16.3611% | 513 |
| Core capital (leverage) ratio | 16.5004% | 423 |
| Tier 1 risk-based capital ratio | 37.4371% | 288 |
| Total risk-based capital ratio | 38.6958% | 285 |
| Memoranda: | ||
| Average total assets | $93,488,500 | 4,813 |
| Average earning assets | $89,565,000 | 4,713 |
| Average equity | $15,635,000 | 3,746 |
| Average total loans | $35,912,500 | 5,384 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 2,711 |
| Cost of funding earning assets | 0.3168% | 4,801 |
| Net interest margin | 3.9511% | 1,964 |
| Noninterest income to average assets | 0.3905% | 4,308 |
| Noninterest expense to average assets | 2.4612% | 4,696 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7044% | 571 |
| Return on assets (ROA) | 1.7044% | 598 |
| Pretax return on assets | 1.7044% | 1,011 |
| Return on Equity (ROE) | 10.1108% | 2,105 |
| Retained earnings to average equity (ytd only) | 10.1108% | 696 |
| Net charge-offs to loans | 0.0055% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 777.0000% | 85 |
| Efficiency ratio | 59.0837% | 5,417 |
| Assets per employee ($millions) | 5.1382% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1968% | 1,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 38.8465% | 5,901 |
| Net loans and leases to deposits | 51.7538% | 5,511 |
| Net loans and leases to core deposits | 54.5405% | 5,519 |
| Total domestic deposits to total assets | 75.0603% | 6,014 |
| Equity capital to assets | 17.2976% | 384 |
| Core capital (leverage) ratio | 16.3583% | 426 |
| Tier 1 risk-based capital ratio | 34.9812% | 347 |
| Total risk-based capital ratio | 36.2289% | 341 |
| Memoranda: | ||
| Average total assets | $91,175,670 | 4,901 |
| Average earning assets | $87,115,330 | 4,791 |
| Average equity | $15,369,670 | 3,790 |
| Average total loans | $36,402,670 | 5,404 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4307% | 2,022 |
| Cost of funding earning assets | 0.3241% | 4,806 |
| Net interest margin | 4.1066% | 1,441 |
| Noninterest income to average assets | 0.4286% | 3,960 |
| Noninterest expense to average assets | 2.4658% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8825% | 406 |
| Return on assets (ROA) | 1.8825% | 427 |
| Pretax return on assets | 1.8825% | 674 |
| Return on Equity (ROE) | 11.3181% | 1,596 |
| Retained earnings to average equity (ytd only) | 11.3181% | 701 |
| Net charge-offs to loans | 0.0110% | 3,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 426.0000% | 103 |
| Efficiency ratio | 56.7073% | 5,781 |
| Assets per employee ($millions) | 5.1840% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2159% | 1,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 5,930 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.1634% | 5,932 |
| Net loans and leases to deposits | 49.8949% | 5,606 |
| Net loans and leases to core deposits | 52.7024% | 5,579 |
| Total domestic deposits to total assets | 76.4875% | 6,029 |
| Equity capital to assets | 16.4577% | 467 |
| Core capital (leverage) ratio | 16.2096% | 459 |
| Tier 1 risk-based capital ratio | 34.0869% | 377 |
| Total risk-based capital ratio | 35.3437% | 369 |
| Memoranda: | ||
| Average total assets | $90,520,000 | 4,956 |
| Average earning assets | $86,397,000 | 4,858 |
| Average equity | $15,055,500 | 3,853 |
| Average total loans | $36,236,500 | 5,454 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 3,846 |
| Cost of funding earning assets | 0.4240% | 4,389 |
| Net interest margin | 3.6462% | 3,256 |
| Noninterest income to average assets | 0.3414% | 4,870 |
| Noninterest expense to average assets | 2.5578% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2722% | 1,324 |
| Return on assets (ROA) | 1.3014% | 1,292 |
| Pretax return on assets | 1.3014% | 2,146 |
| Return on Equity (ROE) | 7.9177% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.9177% | 1,083 |
| Net charge-offs to loans | 0.0595% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 53.7619% | 754 |
| Efficiency ratio | 66.7843% | 4,408 |
| Assets per employee ($millions) | 4.8738% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2410% | 1,124 |
| Loan loss allowance to noncurrent loans | 535.0993% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 5,798 |
| Noncurrent loans to loans | 0.4188% | 4,948 |
| Net loans and leases to total assets | 40.1776% | 5,948 |
| Net loans and leases to deposits | 51.9400% | 5,629 |
| Net loans and leases to core deposits | 54.8080% | 5,625 |
| Total domestic deposits to total assets | 77.3539% | 5,923 |
| Equity capital to assets | 16.8179% | 419 |
| Core capital (leverage) ratio | 15.9069% | 480 |
| Tier 1 risk-based capital ratio | 34.3672% | 351 |
| Total risk-based capital ratio | 35.6263% | 345 |
| Memoranda: | ||
| Average total assets | $88,747,200 | 5,007 |
| Average earning assets | $84,910,600 | 4,910 |
| Average equity | $14,587,600 | 3,947 |
| Average total loans | $35,309,000 | 5,521 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 4,013 |
| Cost of funding earning assets | 0.4477% | 4,298 |
| Net interest margin | 3.5819% | 3,529 |
| Noninterest income to average assets | 0.3161% | 5,170 |
| Noninterest expense to average assets | 2.5272% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2164% | 1,579 |
| Return on assets (ROA) | 1.2539% | 1,544 |
| Pretax return on assets | 1.2539% | 2,498 |
| Return on Equity (ROE) | 7.6720% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.6720% | 1,560 |
| Net charge-offs to loans | -0.0076% | 5,840 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5070% | 4,189 |
| Assets per employee ($millions) | 4.9783% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3328% | 1,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 38.8249% | 6,118 |
| Net loans and leases to deposits | 49.5175% | 5,871 |
| Net loans and leases to core deposits | 52.1526% | 5,882 |
| Total domestic deposits to total assets | 78.4064% | 5,843 |
| Equity capital to assets | 16.0272% | 547 |
| Core capital (leverage) ratio | 15.8316% | 515 |
| Tier 1 risk-based capital ratio | 34.1032% | 367 |
| Total risk-based capital ratio | 35.3642% | 359 |
| Memoranda: | ||
| Average total assets | $89,002,000 | 5,052 |
| Average earning assets | $85,166,000 | 4,949 |
| Average equity | $14,546,000 | 4,001 |
| Average total loans | $35,122,500 | 5,581 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 3,897 |
| Cost of funding earning assets | 0.4497% | 4,432 |
| Net interest margin | 3.6070% | 3,328 |
| Noninterest income to average assets | 0.2950% | 5,340 |
| Noninterest expense to average assets | 2.4865% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2590% | 1,435 |
| Return on assets (ROA) | 1.2590% | 1,528 |
| Pretax return on assets | 1.2590% | 2,453 |
| Return on Equity (ROE) | 7.6537% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.6537% | 1,610 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3860% | 4,479 |
| Assets per employee ($millions) | 4.8507% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3618% | 1,152 |
| Loan loss allowance to noncurrent loans | 16,600.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 6,550 |
| Noncurrent loans to loans | 0.0142% | 6,388 |
| Net loans and leases to total assets | 39.2981% | 6,090 |
| Net loans and leases to deposits | 51.0679% | 5,767 |
| Net loans and leases to core deposits | 54.3427% | 5,728 |
| Total domestic deposits to total assets | 76.9528% | 6,133 |
| Equity capital to assets | 16.2841% | 491 |
| Core capital (leverage) ratio | 15.6449% | 499 |
| Tier 1 risk-based capital ratio | 34.2150% | 362 |
| Total risk-based capital ratio | 35.4757% | 353 |
| Memoranda: | ||
| Average total assets | $88,799,330 | 5,081 |
| Average earning assets | $84,946,000 | 4,983 |
| Average equity | $14,607,330 | 4,020 |
| Average total loans | $34,956,000 | 5,619 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0695% | 3,845 |
| Cost of funding earning assets | 0.4537% | 4,551 |
| Net interest margin | 3.6158% | 3,200 |
| Noninterest income to average assets | 0.3038% | 5,268 |
| Noninterest expense to average assets | 2.5061% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2508% | 1,400 |
| Return on assets (ROA) | 1.2508% | 1,500 |
| Pretax return on assets | 1.2508% | 2,409 |
| Return on Equity (ROE) | 7.5665% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.5665% | 1,913 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7063% | 4,534 |
| Assets per employee ($millions) | 4.9087% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4416% | 1,191 |
| Loan loss allowance to noncurrent loans | 174.5263% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 4,895 |
| Noncurrent loans to loans | 1.3990% | 3,471 |
| Net loans and leases to total assets | 37.4892% | 6,182 |
| Net loans and leases to deposits | 48.0197% | 5,919 |
| Net loans and leases to core deposits | 51.0094% | 5,898 |
| Total domestic deposits to total assets | 78.0705% | 6,106 |
| Equity capital to assets | 16.8659% | 438 |
| Core capital (leverage) ratio | 15.1881% | 564 |
| Tier 1 risk-based capital ratio | 34.2695% | 371 |
| Total risk-based capital ratio | 35.5305% | 362 |
| Memoranda: | ||
| Average total assets | $89,543,000 | 5,110 |
| Average earning assets | $85,514,000 | 4,995 |
| Average equity | $14,802,000 | 4,033 |
| Average total loans | $34,863,000 | 5,669 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3713% | 3,940 |
| Cost of funding earning assets | 0.5164% | 5,101 |
| Net interest margin | 3.8549% | 3,002 |
| Noninterest income to average assets | 0.2814% | 5,456 |
| Noninterest expense to average assets | 2.6965% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2938% | 1,322 |
| Return on assets (ROA) | 1.2938% | 1,475 |
| Pretax return on assets | 1.2938% | 2,436 |
| Return on Equity (ROE) | 8.0817% | 3,050 |
| Retained earnings to average equity (ytd only) | 4.2777% | 3,213 |
| Net charge-offs to loans | -0.0055% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5758% | 4,220 |
| Assets per employee ($millions) | 5.0406% | 2,179 |
| Cash dividends to net income (ytd only)* | 47.0688% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3174% | 1,343 |
| Loan loss allowance to noncurrent loans | 130.3459% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 4,579 |
| Noncurrent loans to loans | 1.7779% | 2,955 |
| Net loans and leases to total assets | 38.5143% | 6,265 |
| Net loans and leases to deposits | 51.1176% | 5,877 |
| Net loans and leases to core deposits | 54.3309% | 5,850 |
| Total domestic deposits to total assets | 75.3444% | 6,419 |
| Equity capital to assets | 16.2041% | 520 |
| Core capital (leverage) ratio | 14.6029% | 652 |
| Tier 1 risk-based capital ratio | 32.4024% | 419 |
| Total risk-based capital ratio | 33.6653% | 412 |
| Memoranda: | ||
| Average total assets | $90,971,000 | 5,059 |
| Average earning assets | $87,524,600 | 4,927 |
| Average equity | $14,563,800 | 4,049 |
| Average total loans | $36,130,800 | 5,674 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 3,939 |
| Cost of funding earning assets | 0.5290% | 5,255 |
| Net interest margin | 3.8976% | 2,918 |
| Noninterest income to average assets | 0.2885% | 5,476 |
| Noninterest expense to average assets | 2.6525% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3914% | 1,244 |
| Return on assets (ROA) | 1.3914% | 1,368 |
| Pretax return on assets | 1.3914% | 2,264 |
| Return on Equity (ROE) | 8.7179% | 2,939 |
| Retained earnings to average equity (ytd only) | 6.1575% | 2,595 |
| Net charge-offs to loans | -0.0221% | 6,520 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5922% | 4,525 |
| Assets per employee ($millions) | 5.1646% | 1,975 |
| Cash dividends to net income (ytd only)* | 29.3682% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3679% | 1,409 |
| Loan loss allowance to noncurrent loans | 189.5216% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 5,358 |
| Noncurrent loans to loans | 1.2494% | 3,967 |
| Net loans and leases to total assets | 36.9018% | 6,490 |
| Net loans and leases to deposits | 46.9977% | 6,318 |
| Net loans and leases to core deposits | 49.7549% | 6,295 |
| Total domestic deposits to total assets | 78.5183% | 5,961 |
| Equity capital to assets | 16.1236% | 582 |
| Core capital (leverage) ratio | 14.4457% | 722 |
| Tier 1 risk-based capital ratio | 32.6764% | 418 |
| Total risk-based capital ratio | 33.9376% | 413 |
| Memoranda: | ||
| Average total assets | $91,031,250 | 5,105 |
| Average earning assets | $87,710,000 | 4,973 |
| Average equity | $14,529,250 | 4,096 |
| Average total loans | $36,220,250 | 5,741 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 3,380 |
| Cost of funding earning assets | 0.5555% | 5,262 |
| Net interest margin | 4.0404% | 2,336 |
| Noninterest income to average assets | 0.2987% | 5,415 |
| Noninterest expense to average assets | 2.7194% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4737% | 1,041 |
| Return on assets (ROA) | 1.4737% | 1,165 |
| Pretax return on assets | 1.4737% | 1,944 |
| Return on Equity (ROE) | 9.2654% | 2,683 |
| Retained earnings to average equity (ytd only) | 6.7195% | 2,262 |
| Net charge-offs to loans | -0.0492% | 6,661 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8549% | 4,743 |
| Assets per employee ($millions) | 4.9981% | 2,184 |
| Cash dividends to net income (ytd only)* | 27.4775% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2350% | 1,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 40.6480% | 6,299 |
| Net loans and leases to deposits | 52.0311% | 6,025 |
| Net loans and leases to core deposits | 55.2052% | 6,007 |
| Total domestic deposits to total assets | 78.1226% | 6,139 |
| Equity capital to assets | 16.2930% | 535 |
| Core capital (leverage) ratio | 14.3836% | 717 |
| Tier 1 risk-based capital ratio | 31.5903% | 455 |
| Total risk-based capital ratio | 32.8054% | 453 |
| Memoranda: | ||
| Average total assets | $90,387,330 | 5,154 |
| Average earning assets | $87,121,000 | 5,021 |
| Average equity | $14,376,000 | 4,116 |
| Average total loans | $36,581,330 | 5,755 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 3,574 |
| Cost of funding earning assets | 0.5755% | 5,315 |
| Net interest margin | 4.0102% | 2,461 |
| Noninterest income to average assets | 0.3135% | 5,372 |
| Noninterest expense to average assets | 2.7462% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4437% | 1,134 |
| Return on assets (ROA) | 1.4437% | 1,267 |
| Pretax return on assets | 1.4437% | 2,041 |
| Return on Equity (ROE) | 9.1886% | 2,741 |
| Retained earnings to average equity (ytd only) | 9.1886% | 1,520 |
| Net charge-offs to loans | -0.0885% | 6,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5427% | 4,646 |
| Assets per employee ($millions) | 5.3259% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2770% | 1,719 |
| Loan loss allowance to noncurrent loans | 11,928.5714% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 6,916 |
| Noncurrent loans to loans | 0.0191% | 6,731 |
| Net loans and leases to total assets | 39.5799% | 6,379 |
| Net loans and leases to deposits | 53.3695% | 5,871 |
| Net loans and leases to core deposits | 57.0183% | 5,813 |
| Total domestic deposits to total assets | 74.1620% | 6,731 |
| Equity capital to assets | 15.9077% | 591 |
| Core capital (leverage) ratio | 14.0671% | 788 |
| Tier 1 risk-based capital ratio | 31.3757% | 468 |
| Total risk-based capital ratio | 32.6368% | 459 |
| Memoranda: | ||
| Average total assets | $90,598,500 | 5,187 |
| Average earning assets | $87,577,500 | 5,042 |
| Average equity | $14,235,000 | 4,152 |
| Average total loans | $36,169,500 | 5,818 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 3,251 |
| Cost of funding earning assets | 0.6857% | 5,627 |
| Net interest margin | 4.2371% | 1,936 |
| Noninterest income to average assets | 0.2625% | 5,660 |
| Noninterest expense to average assets | 2.5420% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7926% | 461 |
| Return on assets (ROA) | 1.8026% | 492 |
| Pretax return on assets | 1.8026% | 799 |
| Return on Equity (ROE) | 11.7368% | 1,481 |
| Retained earnings to average equity (ytd only) | -2.1816% | 6,176 |
| Net charge-offs to loans | 0.0601% | 5,700 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 69.7826% | 426 |
| Efficiency ratio | 58.6447% | 5,955 |
| Assets per employee ($millions) | 5.0364% | 2,143 |
| Cash dividends to net income (ytd only)* | 118.5874% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3186% | 1,595 |
| Loan loss allowance to noncurrent loans | 7,518.1818% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 6,956 |
| Noncurrent loans to loans | 0.0308% | 6,747 |
| Net loans and leases to total assets | 38.4321% | 6,635 |
| Net loans and leases to deposits | 50.7746% | 6,308 |
| Net loans and leases to core deposits | 55.5005% | 6,189 |
| Total domestic deposits to total assets | 75.6916% | 6,523 |
| Equity capital to assets | 15.5169% | 673 |
| Core capital (leverage) ratio | 13.8749% | 853 |
| Tier 1 risk-based capital ratio | 30.7249% | 480 |
| Total risk-based capital ratio | 31.9836% | 468 |
| Memoranda: | ||
| Average total assets | $89,535,600 | 5,194 |
| Average earning assets | $86,049,200 | 5,056 |
| Average equity | $13,751,600 | 4,175 |
| Average total loans | $38,296,200 | 5,767 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 2,989 |
| Cost of funding earning assets | 0.7005% | 5,758 |
| Net interest margin | 4.3209% | 1,636 |
| Noninterest income to average assets | 0.2539% | 5,803 |
| Noninterest expense to average assets | 2.4917% | 5,493 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9180% | 413 |
| Return on assets (ROA) | 1.9195% | 443 |
| Pretax return on assets | 1.9195% | 745 |
| Return on Equity (ROE) | 12.5307% | 1,402 |
| Retained earnings to average equity (ytd only) | -0.8971% | 6,139 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5041% | 6,209 |
| Assets per employee ($millions) | 5.0079% | 2,182 |
| Cash dividends to net income (ytd only)* | 107.1593% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3501% | 1,619 |
| Loan loss allowance to noncurrent loans | 2,023.8095% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 6,884 |
| Noncurrent loans to loans | 0.1161% | 6,641 |
| Net loans and leases to total assets | 39.1800% | 6,699 |
| Net loans and leases to deposits | 50.5511% | 6,472 |
| Net loans and leases to core deposits | 53.8959% | 6,466 |
| Total domestic deposits to total assets | 77.5057% | 6,295 |
| Equity capital to assets | 15.9657% | 630 |
| Core capital (leverage) ratio | 14.4914% | 774 |
| Tier 1 risk-based capital ratio | 30.5645% | 510 |
| Total risk-based capital ratio | 31.8250% | 498 |
| Memoranda: | ||
| Average total assets | $89,255,500 | 5,238 |
| Average earning assets | $85,843,250 | 5,096 |
| Average equity | $13,672,750 | 4,198 |
| Average total loans | $38,953,250 | 5,793 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1134% | 2,620 |
| Cost of funding earning assets | 0.7185% | 5,844 |
| Net interest margin | 4.3950% | 1,383 |
| Noninterest income to average assets | 0.2675% | 5,733 |
| Noninterest expense to average assets | 2.6506% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8390% | 457 |
| Return on assets (ROA) | 1.8390% | 488 |
| Pretax return on assets | 1.8390% | 813 |
| Return on Equity (ROE) | 12.1790% | 1,444 |
| Retained earnings to average equity (ytd only) | -6.5957% | 6,697 |
| Net charge-offs to loans | -0.0351% | 6,958 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0386% | 6,020 |
| Assets per employee ($millions) | 4.8526% | 2,335 |
| Cash dividends to net income (ytd only)* | 154.1565% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1801% | 1,961 |
| Loan loss allowance to noncurrent loans | 702.4590% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 6,741 |
| Noncurrent loans to loans | 0.3103% | 6,298 |
| Net loans and leases to total assets | 44.0249% | 6,439 |
| Net loans and leases to deposits | 59.7242% | 5,755 |
| Net loans and leases to core deposits | 64.6427% | 5,655 |
| Total domestic deposits to total assets | 73.7137% | 6,869 |
| Equity capital to assets | 15.6676% | 662 |
| Core capital (leverage) ratio | 13.6974% | 943 |
| Tier 1 risk-based capital ratio | 27.6215% | 688 |
| Total risk-based capital ratio | 28.8792% | 671 |
| Memoranda: | ||
| Average total assets | $88,959,670 | 5,290 |
| Average earning assets | $85,461,330 | 5,141 |
| Average equity | $13,433,000 | 4,246 |
| Average total loans | $39,881,670 | 5,805 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 3,029 |
| Cost of funding earning assets | 0.7278% | 5,989 |
| Net interest margin | 4.2882% | 1,595 |
| Noninterest income to average assets | 0.2852% | 5,633 |
| Noninterest expense to average assets | 2.2325% | 6,350 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1745% | 272 |
| Return on assets (ROA) | 2.1745% | 282 |
| Pretax return on assets | 2.1745% | 417 |
| Return on Equity (ROE) | 14.6690% | 876 |
| Retained earnings to average equity (ytd only) | -15.3904% | 7,056 |
| Net charge-offs to loans | -0.0797% | 7,018 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6572% | 6,940 |
| Assets per employee ($millions) | 4.9419% | 2,244 |
| Cash dividends to net income (ytd only)* | 204.9180% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1384% | 2,101 |
| Loan loss allowance to noncurrent loans | 5,047.0588% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 7,142 |
| Noncurrent loans to loans | 0.0424% | 6,943 |
| Net loans and leases to total assets | 44.1414% | 6,458 |
| Net loans and leases to deposits | 57.5031% | 5,973 |
| Net loans and leases to core deposits | 62.4142% | 5,889 |
| Total domestic deposits to total assets | 76.7635% | 6,572 |
| Equity capital to assets | 14.8165% | 807 |
| Core capital (leverage) ratio | 13.6093% | 935 |
| Tier 1 risk-based capital ratio | 27.2768% | 684 |
| Total risk-based capital ratio | 28.5327% | 668 |
| Memoranda: | ||
| Average total assets | $89,766,500 | 5,298 |
| Average earning assets | $86,282,500 | 5,153 |
| Average equity | $13,307,000 | 4,267 |
| Average total loans | $40,167,000 | 5,842 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1107% | 4,057 |
| Cost of funding earning assets | 0.9760% | 5,805 |
| Net interest margin | 4.1347% | 2,429 |
| Noninterest income to average assets | 0.2609% | 5,929 |
| Noninterest expense to average assets | 2.2218% | 6,562 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.9719% | 295 |
| Return on assets (ROA) | 1.9719% | 311 |
| Pretax return on assets | 1.9719% | 513 |
| Return on Equity (ROE) | 12.5009% | 1,221 |
| Retained earnings to average equity (ytd only) | -6.3026% | 6,411 |
| Net charge-offs to loans | 0.3429% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 11.8355% | 1,566 |
| Efficiency ratio | 52.9796% | 6,895 |
| Assets per employee ($millions) | 5.0321% | 2,112 |
| Cash dividends to net income (ytd only)* | 150.4169% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1139% | 2,038 |
| Loan loss allowance to noncurrent loans | 1,603.7736% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 6,953 |
| Noncurrent loans to loans | 0.1318% | 6,808 |
| Net loans and leases to total assets | 43.4543% | 6,756 |
| Net loans and leases to deposits | 55.2313% | 6,501 |
| Net loans and leases to core deposits | 60.1798% | 6,378 |
| Total domestic deposits to total assets | 78.6769% | 6,171 |
| Equity capital to assets | 14.8314% | 829 |
| Core capital (leverage) ratio | 13.7317% | 918 |
| Tier 1 risk-based capital ratio | 27.9700% | 609 |
| Total risk-based capital ratio | 29.2277% | 592 |
| Memoranda: | ||
| Average total assets | $91,231,200 | 5,252 |
| Average earning assets | $86,778,400 | 5,126 |
| Average equity | $14,391,000 | 4,050 |
| Average total loans | $44,330,600 | 5,734 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 4,364 |
| Cost of funding earning assets | 1.0241% | 5,831 |
| Net interest margin | 4.0686% | 2,769 |
| Noninterest income to average assets | 0.2451% | 6,139 |
| Noninterest expense to average assets | 2.1678% | 6,692 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.9373% | 375 |
| Return on assets (ROA) | 1.9373% | 413 |
| Pretax return on assets | 1.9373% | 720 |
| Return on Equity (ROE) | 12.1025% | 1,474 |
| Retained earnings to average equity (ytd only) | -9.9062% | 6,873 |
| Net charge-offs to loans | 0.4527% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 8.6233% | 2,136 |
| Efficiency ratio | 52.8074% | 6,907 |
| Assets per employee ($millions) | 5.0182% | 2,154 |
| Cash dividends to net income (ytd only)* | 181.8527% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0429% | 2,116 |
| Loan loss allowance to noncurrent loans | 12,114.2857% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 7,174 |
| Noncurrent loans to loans | 0.0169% | 7,218 |
| Net loans and leases to total assets | 45.0148% | 6,773 |
| Net loans and leases to deposits | 58.0896% | 6,455 |
| Net loans and leases to core deposits | 58.0896% | 6,720 |
| Total domestic deposits to total assets | 77.4920% | 6,368 |
| Equity capital to assets | 15.3729% | 801 |
| Core capital (leverage) ratio | 13.6431% | 1,013 |
| Tier 1 risk-based capital ratio | 26.7502% | 720 |
| Total risk-based capital ratio | 28.0069% | 693 |
| Memoranda: | ||
| Average total assets | $91,394,500 | 5,314 |
| Average earning assets | $86,710,000 | 5,183 |
| Average equity | $14,630,250 | 4,069 |
| Average total loans | $45,360,750 | 5,771 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 4,880 |
| Cost of funding earning assets | 1.0530% | 5,905 |
| Net interest margin | 3.9614% | 3,202 |
| Noninterest income to average assets | 0.2485% | 6,131 |
| Noninterest expense to average assets | 2.2387% | 6,546 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7657% | 515 |
| Return on assets (ROA) | 1.7657% | 564 |
| Pretax return on assets | 1.7657% | 937 |
| Return on Equity (ROE) | 10.8883% | 1,787 |
| Retained earnings to average equity (ytd only) | 7.2589% | 1,728 |
| Net charge-offs to loans | -0.0643% | 7,483 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9064% | 6,645 |
| Assets per employee ($millions) | 5.0968% | 2,054 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2227% | 1,717 |
| Loan loss allowance to noncurrent loans | 28.3129% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 4.0472% | 1,698 |
| Noncurrent loans to loans | 7.8503% | 665 |
| Net loans and leases to total assets | 48.7656% | 6,568 |
| Net loans and leases to deposits | 63.7444% | 6,060 |
| Net loans and leases to core deposits | 63.7444% | 6,419 |
| Total domestic deposits to total assets | 76.5017% | 6,601 |
| Equity capital to assets | 16.4558% | 605 |
| Core capital (leverage) ratio | 15.5410% | 629 |
| Tier 1 risk-based capital ratio | 28.4497% | 597 |
| Total risk-based capital ratio | 29.7087% | 582 |
| Memoranda: | ||
| Average total assets | $91,750,000 | 5,329 |
| Average earning assets | $86,988,670 | 5,208 |
| Average equity | $14,878,330 | 4,014 |
| Average total loans | $46,644,670 | 5,733 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 5,672 |
| Cost of funding earning assets | 1.1084% | 5,863 |
| Net interest margin | 3.7455% | 4,025 |
| Noninterest income to average assets | 0.2703% | 5,996 |
| Noninterest expense to average assets | 2.0969% | 6,950 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7089% | 606 |
| Return on assets (ROA) | 1.7089% | 659 |
| Pretax return on assets | 1.7089% | 1,045 |
| Return on Equity (ROE) | 10.6168% | 1,903 |
| Retained earnings to average equity (ytd only) | 10.6168% | 1,009 |
| Net charge-offs to loans | -0.1699% | 7,643 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0974% | 6,875 |
| Assets per employee ($millions) | 5.0418% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1945% | 1,768 |
| Loan loss allowance to noncurrent loans | 27.0657% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 4.3393% | 1,568 |
| Noncurrent loans to loans | 8.1079% | 661 |
| Net loans and leases to total assets | 50.1917% | 6,446 |
| Net loans and leases to deposits | 65.6870% | 5,856 |
| Net loans and leases to core deposits | 65.6870% | 6,312 |
| Total domestic deposits to total assets | 76.4104% | 6,680 |
| Equity capital to assets | 16.4856% | 606 |
| Core capital (leverage) ratio | 15.2280% | 704 |
| Tier 1 risk-based capital ratio | 27.6268% | 663 |
| Total risk-based capital ratio | 28.8722% | 655 |
| Memoranda: | ||
| Average total assets | $91,753,500 | 5,395 |
| Average earning assets | $86,611,500 | 5,285 |
| Average equity | $14,769,000 | 4,066 |
| Average total loans | $47,089,000 | 5,797 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8366% | 2,497 |
| Cost of funding earning assets | 1.3639% | 6,075 |
| Net interest margin | 4.4727% | 1,230 |
| Noninterest income to average assets | 0.2899% | 6,036 |
| Noninterest expense to average assets | 2.2265% | 6,923 |
| Loan and lease loss provision to assets | 0.2239% | 5,574 |
| Net operating income to assets | 2.0171% | 224 |
| Return on assets (ROA) | 2.0171% | 234 |
| Pretax return on assets | 2.0171% | 392 |
| Return on Equity (ROE) | 12.9478% | 972 |
| Retained earnings to average equity (ytd only) | 7.1709% | 910 |
| Net charge-offs to loans | 0.0276% | 6,858 |
| Credit loss provision to net charge-offs | 1,538.4615% | 204 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 191 |
| Efficiency ratio | 49.8371% | 7,546 |
| Assets per employee ($millions) | 5.1531% | 2,013 |
| Cash dividends to net income (ytd only)* | 44.6171% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1048% | 1,815 |
| Loan loss allowance to noncurrent loans | 47.3311% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 2.3115% | 2,989 |
| Noncurrent loans to loans | 4.4469% | 1,602 |
| Net loans and leases to total assets | 50.2442% | 6,616 |
| Net loans and leases to deposits | 65.0068% | 6,159 |
| Net loans and leases to core deposits | 86.8554% | 5,439 |
| Total domestic deposits to total assets | 77.2907% | 6,386 |
| Equity capital to assets | 15.7156% | 740 |
| Core capital (leverage) ratio | 14.5269% | 874 |
| Tier 1 risk-based capital ratio | 24.6304% | 887 |
| Total risk-based capital ratio | 25.8919% | 858 |
| Memoranda: | ||
| Average total assets | $89,334,000 | 5,414 |
| Average earning assets | $83,439,600 | 5,343 |
| Average equity | $13,917,400 | 4,272 |
| Average total loans | $47,126,600 | 5,802 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9531% | 2,217 |
| Cost of funding earning assets | 1.4130% | 6,176 |
| Net interest margin | 4.5401% | 1,092 |
| Noninterest income to average assets | 0.2923% | 6,140 |
| Noninterest expense to average assets | 2.0886% | 7,218 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.4307% | 114 |
| Return on assets (ROA) | 2.4307% | 126 |
| Pretax return on assets | 2.4307% | 217 |
| Return on Equity (ROE) | 15.6380% | 700 |
| Retained earnings to average equity (ytd only) | 11.4207% | 424 |
| Net charge-offs to loans | 0.0284% | 6,487 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 161.3361% | 235 |
| Efficiency ratio | 46.2154% | 7,760 |
| Assets per employee ($millions) | 4.9630% | 2,194 |
| Cash dividends to net income (ytd only)* | 26.9686% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 2,593 |
| Loan loss allowance to noncurrent loans | 36.4418% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 2.5030% | 2,770 |
| Noncurrent loans to loans | 4.6885% | 1,465 |
| Net loans and leases to total assets | 51.8392% | 6,613 |
| Net loans and leases to deposits | 68.1711% | 6,118 |
| Net loans and leases to core deposits | 90.8930% | 5,346 |
| Total domestic deposits to total assets | 76.0427% | 6,571 |
| Equity capital to assets | 16.4484% | 715 |
| Core capital (leverage) ratio | 15.6537% | 733 |
| Tier 1 risk-based capital ratio | 24.6062% | 938 |
| Total risk-based capital ratio | 25.8589% | 919 |
| Memoranda: | ||
| Average total assets | $88,478,750 | 5,468 |
| Average earning assets | $82,375,000 | 5,413 |
| Average equity | $13,752,500 | 4,349 |
| Average total loans | $47,006,750 | 5,851 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8962% | 2,601 |
| Cost of funding earning assets | 1.4533% | 6,316 |
| Net interest margin | 4.4429% | 1,308 |
| Noninterest income to average assets | 0.2971% | 6,135 |
| Noninterest expense to average assets | 2.0863% | 7,301 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.3426% | 146 |
| Return on assets (ROA) | 2.3426% | 163 |
| Pretax return on assets | 2.3426% | 280 |
| Return on Equity (ROE) | 15.3735% | 772 |
| Retained earnings to average equity (ytd only) | 11.0576% | 557 |
| Net charge-offs to loans | 0.0383% | 5,928 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 114.7778% | 334 |
| Efficiency ratio | 47.1070% | 7,797 |
| Assets per employee ($millions) | 5.1482% | 1,914 |
| Cash dividends to net income (ytd only)* | 28.0736% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 2,394 |
| Loan loss allowance to noncurrent loans | 30.4726% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 3.0222% | 2,099 |
| Noncurrent loans to loans | 5.5332% | 1,049 |
| Net loans and leases to total assets | 53.6974% | 6,496 |
| Net loans and leases to deposits | 70.3101% | 5,959 |
| Net loans and leases to core deposits | 93.9112% | 5,127 |
| Total domestic deposits to total assets | 76.3723% | 6,472 |
| Equity capital to assets | 15.8158% | 861 |
| Core capital (leverage) ratio | 15.1987% | 877 |
| Tier 1 risk-based capital ratio | 24.7118% | 969 |
| Total risk-based capital ratio | 25.9648% | 951 |
| Memoranda: | ||
| Average total assets | $88,193,670 | 5,525 |
| Average earning assets | $82,018,330 | 5,466 |
| Average equity | $13,438,670 | 4,434 |
| Average total loans | $46,970,670 | 5,888 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7167% | 3,707 |
| Cost of funding earning assets | 1.4753% | 6,485 |
| Net interest margin | 4.2414% | 1,773 |
| Noninterest income to average assets | 0.2846% | 6,159 |
| Noninterest expense to average assets | 1.9654% | 7,424 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2681% | 212 |
| Return on assets (ROA) | 2.2681% | 241 |
| Pretax return on assets | 2.2681% | 386 |
| Return on Equity (ROE) | 15.1696% | 949 |
| Retained earnings to average equity (ytd only) | 15.1696% | 397 |
| Net charge-offs to loans | 0.1289% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 33.4667% | 981 |
| Efficiency ratio | 46.4248% | 7,824 |
| Assets per employee ($millions) | 5.0421% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 2,053 |
| Loan loss allowance to noncurrent loans | 85.4701% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 4,439 |
| Noncurrent loans to loans | 2.0208% | 3,234 |
| Net loans and leases to total assets | 53.1033% | 6,569 |
| Net loans and leases to deposits | 69.7754% | 5,998 |
| Net loans and leases to core deposits | 100.1254% | 4,526 |
| Total domestic deposits to total assets | 76.1060% | 6,487 |
| Equity capital to assets | 15.8955% | 889 |
| Core capital (leverage) ratio | 14.7756% | 1,014 |
| Tier 1 risk-based capital ratio | 24.8711% | 995 |
| Total risk-based capital ratio | 26.1248% | 967 |
| Memoranda: | ||
| Average total assets | $88,530,500 | 5,542 |
| Average earning assets | $82,425,500 | 5,473 |
| Average equity | $13,237,000 | 4,523 |
| Average total loans | $46,555,000 | 5,938 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8343% | 1,570 |
| Cost of funding earning assets | 1.8478% | 6,872 |
| Net interest margin | 4.9865% | 528 |
| Noninterest income to average assets | 0.3587% | 5,858 |
| Noninterest expense to average assets | 2.1943% | 6,980 |
| Loan and lease loss provision to assets | 0.2234% | 4,655 |
| Net operating income to assets | 2.5709% | 112 |
| Return on assets (ROA) | 2.5709% | 112 |
| Pretax return on assets | 2.5709% | 171 |
| Return on Equity (ROE) | 16.2119% | 743 |
| Retained earnings to average equity (ytd only) | 9.4583% | 527 |
| Net charge-offs to loans | 0.0697% | 5,777 |
| Credit loss provision to net charge-offs | 546.8750% | 800 |
| Earnings coverage of net charge-offs (x) | 68.4063% | 595 |
| Efficiency ratio | 43.9867% | 8,014 |
| Assets per employee ($millions) | 5.3732% | 1,554 |
| Cash dividends to net income (ytd only)* | 41.6584% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 1,794 |
| Loan loss allowance to noncurrent loans | 95.6573% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 4,498 |
| Noncurrent loans to loans | 1.8208% | 3,032 |
| Net loans and leases to total assets | 50.3334% | 6,999 |
| Net loans and leases to deposits | 64.2137% | 6,772 |
| Net loans and leases to core deposits | 83.1636% | 6,371 |
| Total domestic deposits to total assets | 78.3841% | 5,588 |
| Equity capital to assets | 14.0665% | 1,405 |
| Core capital (leverage) ratio | 14.2951% | 1,190 |
| Tier 1 risk-based capital ratio | 23.3891% | 1,153 |
| Total risk-based capital ratio | 24.6419% | 1,126 |
| Memoranda: | ||
| Average total assets | $78,339,000 | 5,756 |
| Average earning assets | $72,735,800 | 5,718 |
| Average equity | $12,423,000 | 4,723 |
| Average total loans | $45,927,400 | 5,878 |