Home > Oklahoma Bank and Trust Company > Performance and Condition Ratios
Oklahoma Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 4,363 |
| Cost of funding earning assets | 1.2299% | 2,729 |
| Net interest margin | 2.3497% | 4,223 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.6869% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9390% | 2,406 |
| Return on assets (ROA) | 0.9390% | 2,393 |
| Pretax return on assets | 0.9390% | 2,849 |
| Return on Equity (ROE) | 8.6300% | 2,856 |
| Retained earnings to average equity (ytd only) | 3.3370% | 3,185 |
| Net charge-offs to loans | -0.0661% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.2408% | 2,578 |
| Assets per employee ($millions) | 6.7082% | 2,269 |
| Cash dividends to net income (ytd only)* | 61.3311% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2325% | 267 |
| Loan loss allowance to noncurrent loans | 1,012.4260% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 2,955 |
| Noncurrent loans to loans | 0.2205% | 2,436 |
| Net loans and leases to total assets | 38.5200% | 4,084 |
| Net loans and leases to deposits | 44.1173% | 4,101 |
| Net loans and leases to core deposits | 48.9848% | 4,102 |
| Total domestic deposits to total assets | 87.3100% | 1,584 |
| Equity capital to assets | 11.3752% | 1,341 |
| Core capital (leverage) ratio | 14.3565% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7945% | 190 |
| Memoranda: | ||
| Average total assets | $193,615,000 | 3,025 |
| Average earning assets | $189,771,400 | 2,949 |
| Average equity | $21,066,600 | 2,770 |
| Average total loans | $72,592,200 | 3,515 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5040% | 4,383 |
| Cost of funding earning assets | 1.1746% | 2,512 |
| Net interest margin | 2.3295% | 4,285 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.7188% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8832% | 2,741 |
| Return on assets (ROA) | 0.8832% | 2,726 |
| Pretax return on assets | 0.8832% | 3,145 |
| Return on Equity (ROE) | 8.2100% | 3,125 |
| Retained earnings to average equity (ytd only) | 2.9870% | 3,516 |
| Net charge-offs to loans | -0.0838% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.0572% | 2,271 |
| Assets per employee ($millions) | 6.3060% | 2,492 |
| Cash dividends to net income (ytd only)* | 63.6222% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3711% | 242 |
| Loan loss allowance to noncurrent loans | 56,933.3333% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,868 |
| Noncurrent loans to loans | 0.0042% | 3,787 |
| Net loans and leases to total assets | 38.4600% | 4,113 |
| Net loans and leases to deposits | 44.0146% | 4,103 |
| Net loans and leases to core deposits | 50.3883% | 4,030 |
| Total domestic deposits to total assets | 87.3700% | 1,777 |
| Equity capital to assets | 11.2170% | 1,268 |
| Core capital (leverage) ratio | 13.8913% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2531% | 180 |
| Memoranda: | ||
| Average total assets | $193,384,250 | 3,037 |
| Average earning assets | $189,453,000 | 2,952 |
| Average equity | $20,801,000 | 2,782 |
| Average total loans | $71,579,750 | 3,532 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 4,423 |
| Cost of funding earning assets | 1.0801% | 2,351 |
| Net interest margin | 2.3125% | 4,358 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.7005% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8838% | 2,811 |
| Return on assets (ROA) | 0.8838% | 2,801 |
| Pretax return on assets | 0.8838% | 3,210 |
| Return on Equity (ROE) | 8.3300% | 3,156 |
| Retained earnings to average equity (ytd only) | 2.9191% | 3,497 |
| Net charge-offs to loans | 0.1736% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 14.0323% | 1,886 |
| Efficiency ratio | 65.8019% | 2,269 |
| Assets per employee ($millions) | 6.4102% | 2,372 |
| Cash dividends to net income (ytd only)* | 64.9425% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 296 |
| Loan loss allowance to noncurrent loans | 14,554.5455% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 3,810 |
| Noncurrent loans to loans | 0.0153% | 3,663 |
| Net loans and leases to total assets | 36.6300% | 4,160 |
| Net loans and leases to deposits | 41.7332% | 4,165 |
| Net loans and leases to core deposits | 47.4221% | 4,093 |
| Total domestic deposits to total assets | 87.7700% | 1,687 |
| Equity capital to assets | 10.8978% | 1,430 |
| Core capital (leverage) ratio | 13.3608% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2087% | 183 |
| Memoranda: | ||
| Average total assets | $196,887,667 | 3,023 |
| Average earning assets | $192,952,333 | 2,945 |
| Average equity | $20,897,000 | 2,785 |
| Average total loans | $71,428,000 | 3,539 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2089% | 4,487 |
| Cost of funding earning assets | 0.9979% | 2,058 |
| Net interest margin | 2.2110% | 4,493 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.7472% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7772% | 3,267 |
| Return on assets (ROA) | 0.7772% | 3,223 |
| Pretax return on assets | 0.7772% | 3,517 |
| Return on Equity (ROE) | 7.4200% | 3,427 |
| Retained earnings to average equity (ytd only) | 2.3386% | 3,642 |
| Net charge-offs to loans | 0.3543% | 224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 1,790 |
| Efficiency ratio | 69.2124% | 1,830 |
| Assets per employee ($millions) | 6.3242% | 2,477 |
| Cash dividends to net income (ytd only)* | 68.4755% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 292 |
| Loan loss allowance to noncurrent loans | 13,333.3333% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,827 |
| Noncurrent loans to loans | 0.0171% | 3,672 |
| Net loans and leases to total assets | 34.8900% | 4,228 |
| Net loans and leases to deposits | 39.6444% | 4,233 |
| Net loans and leases to core deposits | 43.7787% | 4,178 |
| Total domestic deposits to total assets | 88.0100% | 1,922 |
| Equity capital to assets | 10.7157% | 1,448 |
| Core capital (leverage) ratio | 13.3406% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3350% | 188 |
| Memoranda: | ||
| Average total assets | $199,179,000 | 3,046 |
| Average earning assets | $195,207,500 | 2,960 |
| Average equity | $20,867,000 | 2,811 |
| Average total loans | $71,123,500 | 3,587 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8277% | 4,300 |
| Cost of funding earning assets | 0.3430% | 2,537 |
| Net interest margin | 2.4847% | 4,303 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.7015% | 4,177 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0610% | 2,331 |
| Return on assets (ROA) | 1.0610% | 2,275 |
| Pretax return on assets | 1.0610% | 2,888 |
| Return on Equity (ROE) | 9.1800% | 3,072 |
| Retained earnings to average equity (ytd only) | 1.2533% | 4,147 |
| Net charge-offs to loans | 0.0665% | 982 |
| Credit loss provision to net charge-offs | 86.9565% | 1,649 |
| Earnings coverage of net charge-offs (x) | 45.3043% | 1,432 |
| Efficiency ratio | 61.1339% | 2,887 |
| Assets per employee ($millions) | 6.9767% | 1,991 |
| Cash dividends to net income (ytd only)* | 86.3503% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3019% | 265 |
| Loan loss allowance to noncurrent loans | 249.3253% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 1,521 |
| Noncurrent loans to loans | 0.9232% | 801 |
| Net loans and leases to total assets | 34.8900% | 4,263 |
| Net loans and leases to deposits | 39.5238% | 4,259 |
| Net loans and leases to core deposits | 43.8670% | 4,183 |
| Total domestic deposits to total assets | 88.2700% | 1,983 |
| Equity capital to assets | 10.2509% | 1,585 |
| Core capital (leverage) ratio | 13.6221% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3750% | 191 |
| Memoranda: | ||
| Average total assets | $192,657,200 | 3,082 |
| Average earning assets | $188,632,800 | 3,007 |
| Average equity | $22,261,600 | 2,749 |
| Average total loans | $69,174,400 | 3,590 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7712% | 4,221 |
| Cost of funding earning assets | 0.2856% | 2,325 |
| Net interest margin | 2.4856% | 4,221 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.6897% | 4,169 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0800% | 2,173 |
| Return on assets (ROA) | 1.0800% | 2,135 |
| Pretax return on assets | 1.0800% | 2,778 |
| Return on Equity (ROE) | 9.0700% | 3,011 |
| Retained earnings to average equity (ytd only) | 2.8030% | 3,834 |
| Net charge-offs to loans | -0.0253% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3958% | 3,065 |
| Assets per employee ($millions) | 6.2070% | 2,568 |
| Cash dividends to net income (ytd only)* | 69.1110% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4887% | 236 |
| Loan loss allowance to noncurrent loans | 633.0882% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 2,568 |
| Noncurrent loans to loans | 0.3931% | 1,829 |
| Net loans and leases to total assets | 36.2300% | 4,217 |
| Net loans and leases to deposits | 41.4058% | 4,195 |
| Net loans and leases to core deposits | 47.6322% | 4,040 |
| Total domestic deposits to total assets | 87.5100% | 2,591 |
| Equity capital to assets | 10.9876% | 1,185 |
| Core capital (leverage) ratio | 13.4268% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.0836% | 194 |
| Memoranda: | ||
| Average total assets | $190,240,750 | 3,124 |
| Average earning assets | $186,243,500 | 3,048 |
| Average equity | $22,642,000 | 2,763 |
| Average total loans | $68,406,750 | 3,614 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6624% | 4,197 |
| Cost of funding earning assets | 0.2482% | 2,293 |
| Net interest margin | 2.4142% | 4,211 |
| Noninterest income to average assets | 0.3946% | 2,786 |
| Noninterest expense to average assets | 1.6327% | 4,253 |
| Loan and lease loss provision to assets | 0.0418% | 1,824 |
| Net operating income to assets | 1.0857% | 1,826 |
| Return on assets (ROA) | 1.0857% | 1,810 |
| Pretax return on assets | 1.0857% | 2,456 |
| Return on Equity (ROE) | 8.9006% | 2,729 |
| Retained earnings to average equity (ytd only) | 2.7814% | 3,517 |
| Net charge-offs to loans | -0.0088% | 3,540 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1528% | 3,420 |
| Assets per employee ($millions) | 6.4409% | 2,355 |
| Cash dividends to net income (ytd only)* | 68.7500% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4840% | 266 |
| Loan loss allowance to noncurrent loans | 1,556.3636% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,411 |
| Noncurrent loans to loans | 0.1596% | 2,898 |
| Net loans and leases to total assets | 34.7824% | 4,297 |
| Net loans and leases to deposits | 39.7153% | 4,274 |
| Net loans and leases to core deposits | 46.5588% | 4,099 |
| Total domestic deposits to total assets | 87.5794% | 2,738 |
| Equity capital to assets | 10.9317% | 1,242 |
| Core capital (leverage) ratio | 13.4632% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9935% | 152 |
| Memoranda: | ||
| Average total assets | $191,584,333 | 3,149 |
| Average earning assets | $187,724,000 | 3,079 |
| Average equity | $23,369,333 | 2,788 |
| Average total loans | $68,144,333 | 3,652 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6580% | 4,012 |
| Cost of funding earning assets | 0.2374% | 2,294 |
| Net interest margin | 2.4206% | 4,031 |
| Noninterest income to average assets | 0.4928% | 2,182 |
| Noninterest expense to average assets | 1.5831% | 4,323 |
| Loan and lease loss provision to assets | 0.0629% | 1,284 |
| Net operating income to assets | 1.2204% | 1,199 |
| Return on assets (ROA) | 1.2204% | 1,183 |
| Pretax return on assets | 1.2204% | 1,734 |
| Return on Equity (ROE) | 9.5050% | 2,150 |
| Retained earnings to average equity (ytd only) | 4.3605% | 2,815 |
| Net charge-offs to loans | -0.1594% | 4,558 |
| Credit loss provision to net charge-offs | -111.1111% | 2,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2304% | 3,945 |
| Assets per employee ($millions) | 5.8358% | 2,960 |
| Cash dividends to net income (ytd only)* | 54.1237% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5576% | 269 |
| Loan loss allowance to noncurrent loans | 1,613.0841% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 3,474 |
| Noncurrent loans to loans | 0.1586% | 3,013 |
| Net loans and leases to total assets | 35.2129% | 4,255 |
| Net loans and leases to deposits | 40.9599% | 4,211 |
| Net loans and leases to core deposits | 48.4602% | 3,964 |
| Total domestic deposits to total assets | 85.9693% | 3,267 |
| Equity capital to assets | 12.5164% | 800 |
| Core capital (leverage) ratio | 13.5837% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9340% | 148 |
| Memoranda: | ||
| Average total assets | $190,763,000 | 3,169 |
| Average earning assets | $187,058,500 | 3,097 |
| Average equity | $24,492,500 | 2,806 |
| Average total loans | $67,756,000 | 3,664 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1053% | 3,676 |
| Cost of funding earning assets | 0.2871% | 2,533 |
| Net interest margin | 2.8181% | 3,621 |
| Noninterest income to average assets | 0.3214% | 3,484 |
| Noninterest expense to average assets | 1.7477% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3250% | 1,533 |
| Return on assets (ROA) | 1.3250% | 1,575 |
| Pretax return on assets | 1.3250% | 2,283 |
| Return on Equity (ROE) | 9.1874% | 2,838 |
| Retained earnings to average equity (ytd only) | 1.7843% | 4,048 |
| Net charge-offs to loans | 0.0163% | 1,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 507 |
| Efficiency ratio | 56.8781% | 3,596 |
| Assets per employee ($millions) | 6.7165% | 2,142 |
| Cash dividends to net income (ytd only)* | 80.5785% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4534% | 303 |
| Loan loss allowance to noncurrent loans | 1,335.2000% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,529 |
| Noncurrent loans to loans | 0.1838% | 3,024 |
| Net loans and leases to total assets | 34.0684% | 4,370 |
| Net loans and leases to deposits | 40.0386% | 4,338 |
| Net loans and leases to core deposits | 46.8187% | 4,150 |
| Total domestic deposits to total assets | 85.0887% | 3,243 |
| Equity capital to assets | 13.1487% | 859 |
| Core capital (leverage) ratio | 14.2839% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2249% | 166 |
| Memoranda: | ||
| Average total assets | $182,637,400 | 3,193 |
| Average earning assets | $178,310,600 | 3,108 |
| Average equity | $26,340,400 | 2,758 |
| Average total loans | $67,286,800 | 3,706 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 3,460 |
| Cost of funding earning assets | 0.3038% | 2,560 |
| Net interest margin | 2.9670% | 3,391 |
| Noninterest income to average assets | 0.3073% | 3,589 |
| Noninterest expense to average assets | 1.7683% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4320% | 1,441 |
| Return on assets (ROA) | 1.4320% | 1,508 |
| Pretax return on assets | 1.4320% | 2,207 |
| Return on Equity (ROE) | 9.6971% | 2,847 |
| Retained earnings to average equity (ytd only) | 3.9160% | 3,602 |
| Net charge-offs to loans | 0.0179% | 1,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 214.3333% | 531 |
| Efficiency ratio | 55.2540% | 3,626 |
| Assets per employee ($millions) | 5.5699% | 3,123 |
| Cash dividends to net income (ytd only)* | 59.6164% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5800% | 255 |
| Loan loss allowance to noncurrent loans | 3,038.1818% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,911 |
| Noncurrent loans to loans | 0.0849% | 3,661 |
| Net loans and leases to total assets | 35.4008% | 4,417 |
| Net loans and leases to deposits | 42.4981% | 4,365 |
| Net loans and leases to core deposits | 51.2197% | 4,072 |
| Total domestic deposits to total assets | 83.2997% | 3,636 |
| Equity capital to assets | 14.9083% | 552 |
| Core capital (leverage) ratio | 14.3319% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6377% | 154 |
| Memoranda: | ||
| Average total assets | $179,602,000 | 3,246 |
| Average earning assets | $175,124,750 | 3,165 |
| Average equity | $26,522,750 | 2,788 |
| Average total loans | $67,101,750 | 3,758 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4780% | 2,948 |
| Cost of funding earning assets | 0.3171% | 2,620 |
| Net interest margin | 3.1608% | 2,869 |
| Noninterest income to average assets | 0.3132% | 3,553 |
| Noninterest expense to average assets | 1.6972% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6939% | 883 |
| Return on assets (ROA) | 1.6939% | 928 |
| Pretax return on assets | 1.6939% | 1,489 |
| Return on Equity (ROE) | 11.5067% | 2,232 |
| Retained earnings to average equity (ytd only) | 5.8477% | 2,869 |
| Net charge-offs to loans | -0.0118% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0491% | 4,235 |
| Assets per employee ($millions) | 5.6648% | 2,943 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5355% | 268 |
| Loan loss allowance to noncurrent loans | 1,391.7355% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,717 |
| Noncurrent loans to loans | 0.1822% | 3,312 |
| Net loans and leases to total assets | 35.7104% | 4,469 |
| Net loans and leases to deposits | 42.7279% | 4,434 |
| Net loans and leases to core deposits | 50.8867% | 4,190 |
| Total domestic deposits to total assets | 83.5763% | 3,550 |
| Equity capital to assets | 14.6121% | 598 |
| Core capital (leverage) ratio | 14.0242% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5269% | 169 |
| Memoranda: | ||
| Average total assets | $180,057,333 | 3,250 |
| Average earning assets | $175,332,667 | 3,174 |
| Average equity | $26,506,333 | 2,785 |
| Average total loans | $67,879,667 | 3,764 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 1,864 |
| Cost of funding earning assets | 0.3389% | 2,633 |
| Net interest margin | 3.5471% | 1,706 |
| Noninterest income to average assets | 0.3299% | 3,450 |
| Noninterest expense to average assets | 1.6584% | 4,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1243% | 467 |
| Return on assets (ROA) | 2.1243% | 507 |
| Pretax return on assets | 2.1243% | 774 |
| Return on Equity (ROE) | 14.3765% | 1,357 |
| Retained earnings to average equity (ytd only) | 9.8508% | 1,697 |
| Net charge-offs to loans | -0.0117% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8421% | 4,588 |
| Assets per employee ($millions) | 6.0881% | 2,507 |
| Cash dividends to net income (ytd only)* | 31.4795% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4552% | 279 |
| Loan loss allowance to noncurrent loans | 718.8034% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 3,500 |
| Noncurrent loans to loans | 0.3416% | 2,876 |
| Net loans and leases to total assets | 36.5887% | 4,477 |
| Net loans and leases to deposits | 44.1773% | 4,415 |
| Net loans and leases to core deposits | 51.7682% | 4,206 |
| Total domestic deposits to total assets | 82.8223% | 3,731 |
| Equity capital to assets | 14.5912% | 556 |
| Core capital (leverage) ratio | 14.5591% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5428% | 186 |
| Memoranda: | ||
| Average total assets | $179,448,500 | 3,252 |
| Average earning assets | $174,678,000 | 3,172 |
| Average equity | $26,515,500 | 2,765 |
| Average total loans | $68,610,500 | 3,764 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6724% | 3,651 |
| Cost of funding earning assets | 0.5947% | 2,354 |
| Net interest margin | 3.0777% | 3,682 |
| Noninterest income to average assets | 0.3284% | 3,491 |
| Noninterest expense to average assets | 1.8955% | 4,328 |
| Loan and lease loss provision to assets | 0.0530% | 3,715 |
| Net operating income to assets | 1.3735% | 1,078 |
| Return on assets (ROA) | 1.3735% | 1,169 |
| Pretax return on assets | 1.3735% | 1,746 |
| Return on Equity (ROE) | 8.9435% | 2,419 |
| Retained earnings to average equity (ytd only) | 1.3756% | 4,075 |
| Net charge-offs to loans | -0.1533% | 4,868 |
| Credit loss provision to net charge-offs | -81.0811% | 3,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0593% | 3,851 |
| Assets per employee ($millions) | 5.5079% | 2,839 |
| Cash dividends to net income (ytd only)* | 84.6187% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4450% | 279 |
| Loan loss allowance to noncurrent loans | 976.7442% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 3,769 |
| Noncurrent loans to loans | 0.2503% | 3,299 |
| Net loans and leases to total assets | 38.0317% | 4,517 |
| Net loans and leases to deposits | 45.8928% | 4,467 |
| Net loans and leases to core deposits | 54.1017% | 4,252 |
| Total domestic deposits to total assets | 82.8706% | 3,447 |
| Equity capital to assets | 14.9677% | 579 |
| Core capital (leverage) ratio | 14.7438% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9128% | 164 |
| Memoranda: | ||
| Average total assets | $169,928,200 | 3,195 |
| Average earning assets | $165,286,600 | 3,117 |
| Average equity | $26,097,200 | 2,735 |
| Average total loans | $72,387,200 | 3,682 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 3,617 |
| Cost of funding earning assets | 0.6558% | 2,295 |
| Net interest margin | 3.1250% | 3,678 |
| Noninterest income to average assets | 0.3326% | 3,489 |
| Noninterest expense to average assets | 1.8596% | 4,397 |
| Loan and lease loss provision to assets | 0.0713% | 3,430 |
| Net operating income to assets | 1.4398% | 1,012 |
| Return on assets (ROA) | 1.4398% | 1,103 |
| Pretax return on assets | 1.4398% | 1,608 |
| Return on Equity (ROE) | 9.3134% | 2,276 |
| Retained earnings to average equity (ytd only) | 3.0379% | 3,505 |
| Net charge-offs to loans | -0.1873% | 4,917 |
| Credit loss provision to net charge-offs | -87.3786% | 3,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1692% | 4,019 |
| Assets per employee ($millions) | 5.4337% | 2,767 |
| Cash dividends to net income (ytd only)* | 67.3817% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2588% | 312 |
| Loan loss allowance to noncurrent loans | 151.5866% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 1,742 |
| Noncurrent loans to loans | 1.4901% | 967 |
| Net loans and leases to total assets | 42.9520% | 4,462 |
| Net loans and leases to deposits | 52.4237% | 4,394 |
| Net loans and leases to core deposits | 62.8022% | 4,064 |
| Total domestic deposits to total assets | 81.9323% | 3,440 |
| Equity capital to assets | 15.8694% | 486 |
| Core capital (leverage) ratio | 14.6216% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3825% | 198 |
| Memoranda: | ||
| Average total assets | $168,347,000 | 3,193 |
| Average earning assets | $163,663,000 | 3,116 |
| Average equity | $26,026,250 | 2,732 |
| Average total loans | $73,306,000 | 3,682 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 4,327 |
| Cost of funding earning assets | 0.7265% | 2,259 |
| Net interest margin | 2.8363% | 4,405 |
| Noninterest income to average assets | 0.3149% | 3,578 |
| Noninterest expense to average assets | 1.7515% | 4,626 |
| Loan and lease loss provision to assets | 0.0713% | 3,404 |
| Net operating income to assets | 1.2477% | 1,501 |
| Return on assets (ROA) | 1.2477% | 1,615 |
| Pretax return on assets | 1.2477% | 2,191 |
| Return on Equity (ROE) | 8.1423% | 2,689 |
| Retained earnings to average equity (ytd only) | 2.3264% | 3,632 |
| Net charge-offs to loans | -0.0027% | 3,872 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0433% | 3,812 |
| Assets per employee ($millions) | 5.6010% | 2,543 |
| Cash dividends to net income (ytd only)* | 71.4286% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0548% | 403 |
| Loan loss allowance to noncurrent loans | 90.2696% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9906% | 1,216 |
| Noncurrent loans to loans | 2.2763% | 540 |
| Net loans and leases to total assets | 42.2762% | 4,525 |
| Net loans and leases to deposits | 51.1826% | 4,476 |
| Net loans and leases to core deposits | 60.4122% | 4,239 |
| Total domestic deposits to total assets | 82.5988% | 3,206 |
| Equity capital to assets | 15.2357% | 582 |
| Core capital (leverage) ratio | 14.5032% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6155% | 203 |
| Memoranda: | ||
| Average total assets | $168,314,667 | 3,171 |
| Average earning assets | $163,525,000 | 3,104 |
| Average equity | $25,791,333 | 2,736 |
| Average total loans | $73,067,333 | 3,694 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 4,416 |
| Cost of funding earning assets | 0.8114% | 2,315 |
| Net interest margin | 2.8773% | 4,467 |
| Noninterest income to average assets | 0.3815% | 3,223 |
| Noninterest expense to average assets | 1.7603% | 4,713 |
| Loan and lease loss provision to assets | 0.0724% | 2,828 |
| Net operating income to assets | 1.3401% | 1,131 |
| Return on assets (ROA) | 1.3401% | 1,222 |
| Pretax return on assets | 1.3401% | 1,750 |
| Return on Equity (ROE) | 8.7196% | 2,223 |
| Retained earnings to average equity (ytd only) | 4.0063% | 2,678 |
| Net charge-offs to loans | 0.0111% | 2,189 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 292.5000% | 243 |
| Efficiency ratio | 55.4795% | 4,259 |
| Assets per employee ($millions) | 5.2665% | 2,361 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1125% | 424 |
| Loan loss allowance to noncurrent loans | 210.7692% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 2,675 |
| Noncurrent loans to loans | 1.0023% | 1,652 |
| Net loans and leases to total assets | 42.7714% | 4,560 |
| Net loans and leases to deposits | 52.1832% | 4,511 |
| Net loans and leases to core deposits | 61.3003% | 4,301 |
| Total domestic deposits to total assets | 81.9638% | 3,432 |
| Equity capital to assets | 15.7766% | 617 |
| Core capital (leverage) ratio | 15.1044% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3077% | 182 |
| Memoranda: | ||
| Average total assets | $165,656,000 | 3,173 |
| Average earning assets | $160,703,500 | 3,102 |
| Average equity | $25,460,000 | 2,749 |
| Average total loans | $72,128,500 | 3,721 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 4,502 |
| Cost of funding earning assets | 0.8250% | 2,563 |
| Net interest margin | 3.0267% | 4,490 |
| Noninterest income to average assets | 0.3874% | 3,372 |
| Noninterest expense to average assets | 1.8211% | 4,750 |
| Loan and lease loss provision to assets | 0.0732% | 2,537 |
| Net operating income to assets | 1.4252% | 1,258 |
| Return on assets (ROA) | 1.4252% | 1,327 |
| Pretax return on assets | 1.4252% | 2,063 |
| Return on Equity (ROE) | 9.4706% | 2,534 |
| Retained earnings to average equity (ytd only) | 1.6663% | 4,137 |
| Net charge-offs to loans | 0.0348% | 2,694 |
| Credit loss provision to net charge-offs | 480.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 98.2400% | 690 |
| Efficiency ratio | 54.8612% | 4,334 |
| Assets per employee ($millions) | 5.4210% | 2,137 |
| Cash dividends to net income (ytd only)* | 82.4058% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0282% | 442 |
| Loan loss allowance to noncurrent loans | 198.2574% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 2,585 |
| Noncurrent loans to loans | 1.0230% | 1,478 |
| Net loans and leases to total assets | 42.5121% | 4,659 |
| Net loans and leases to deposits | 51.5265% | 4,626 |
| Net loans and leases to core deposits | 59.9537% | 4,444 |
| Total domestic deposits to total assets | 82.5053% | 3,357 |
| Equity capital to assets | 14.9734% | 799 |
| Core capital (leverage) ratio | 15.1172% | 659 |
| Tier 1 risk-based capital ratio | 33.7954% | 364 |
| Total risk-based capital ratio | 35.0545% | 357 |
| Memoranda: | ||
| Average total assets | $163,908,000 | 3,168 |
| Average earning assets | $158,785,200 | 3,095 |
| Average equity | $24,665,800 | 2,739 |
| Average total loans | $71,940,600 | 3,738 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 4,557 |
| Cost of funding earning assets | 0.8264% | 2,587 |
| Net interest margin | 3.0646% | 4,535 |
| Noninterest income to average assets | 0.3692% | 3,502 |
| Noninterest expense to average assets | 1.7977% | 4,817 |
| Loan and lease loss provision to assets | 0.0737% | 2,414 |
| Net operating income to assets | 1.4670% | 1,283 |
| Return on assets (ROA) | 1.4670% | 1,339 |
| Pretax return on assets | 1.4670% | 2,054 |
| Return on Equity (ROE) | 9.7356% | 2,544 |
| Retained earnings to average equity (ytd only) | 3.0804% | 3,859 |
| Net charge-offs to loans | 0.0279% | 2,537 |
| Credit loss provision to net charge-offs | 600.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 125.4635% | 628 |
| Efficiency ratio | 53.8499% | 4,413 |
| Assets per employee ($millions) | 4.9824% | 2,583 |
| Cash dividends to net income (ytd only)* | 68.3594% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0212% | 446 |
| Loan loss allowance to noncurrent loans | 197.4290% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 2,627 |
| Noncurrent loans to loans | 1.0237% | 1,567 |
| Net loans and leases to total assets | 44.3605% | 4,681 |
| Net loans and leases to deposits | 54.4075% | 4,610 |
| Net loans and leases to core deposits | 63.8872% | 4,376 |
| Total domestic deposits to total assets | 81.5338% | 3,609 |
| Equity capital to assets | 15.8639% | 663 |
| Core capital (leverage) ratio | 15.2668% | 677 |
| Tier 1 risk-based capital ratio | 35.1222% | 340 |
| Total risk-based capital ratio | 36.3827% | 336 |
| Memoranda: | ||
| Average total assets | $162,872,250 | 3,213 |
| Average earning assets | $157,796,250 | 3,134 |
| Average equity | $24,541,500 | 2,768 |
| Average total loans | $71,695,500 | 3,789 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 4,673 |
| Cost of funding earning assets | 0.8059% | 2,611 |
| Net interest margin | 3.0248% | 4,642 |
| Noninterest income to average assets | 0.3707% | 3,460 |
| Noninterest expense to average assets | 1.7193% | 4,960 |
| Loan and lease loss provision to assets | 0.0732% | 2,352 |
| Net operating income to assets | 1.5072% | 1,130 |
| Return on assets (ROA) | 1.5072% | 1,181 |
| Pretax return on assets | 1.5072% | 1,837 |
| Return on Equity (ROE) | 10.1766% | 2,303 |
| Retained earnings to average equity (ytd only) | 3.7956% | 3,352 |
| Net charge-offs to loans | 0.0112% | 2,733 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 324.0000% | 243 |
| Efficiency ratio | 52.1064% | 4,648 |
| Assets per employee ($millions) | 5.5664% | 1,909 |
| Cash dividends to net income (ytd only)* | 62.7023% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0406% | 439 |
| Loan loss allowance to noncurrent loans | 231.8841% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 2,917 |
| Noncurrent loans to loans | 0.8800% | 1,844 |
| Net loans and leases to total assets | 42.8231% | 4,757 |
| Net loans and leases to deposits | 52.3423% | 4,728 |
| Net loans and leases to core deposits | 60.1704% | 4,568 |
| Total domestic deposits to total assets | 81.8135% | 3,572 |
| Equity capital to assets | 15.5755% | 693 |
| Core capital (leverage) ratio | 15.0981% | 686 |
| Tier 1 risk-based capital ratio | 34.6416% | 350 |
| Total risk-based capital ratio | 35.9015% | 344 |
| Memoranda: | ||
| Average total assets | $164,017,330 | 3,206 |
| Average earning assets | $158,822,670 | 3,139 |
| Average equity | $24,291,000 | 2,781 |
| Average total loans | $71,532,000 | 3,808 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 4,743 |
| Cost of funding earning assets | 0.7728% | 2,675 |
| Net interest margin | 3.0013% | 4,748 |
| Noninterest income to average assets | 0.3920% | 3,236 |
| Noninterest expense to average assets | 1.6696% | 5,046 |
| Loan and lease loss provision to assets | 0.0726% | 2,218 |
| Net operating income to assets | 1.5534% | 1,001 |
| Return on assets (ROA) | 1.5534% | 1,029 |
| Pretax return on assets | 1.5534% | 1,604 |
| Return on Equity (ROE) | 10.7605% | 2,045 |
| Retained earnings to average equity (ytd only) | 6.1513% | 2,387 |
| Net charge-offs to loans | 0.0222% | 2,005 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 456 |
| Efficiency ratio | 50.6608% | 4,780 |
| Assets per employee ($millions) | 5.3128% | 2,152 |
| Cash dividends to net income (ytd only)* | 42.8349% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 534 |
| Loan loss allowance to noncurrent loans | 193.9477% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 2,788 |
| Noncurrent loans to loans | 1.0160% | 1,638 |
| Net loans and leases to total assets | 42.5912% | 4,810 |
| Net loans and leases to deposits | 51.4301% | 4,765 |
| Net loans and leases to core deposits | 59.1785% | 4,602 |
| Total domestic deposits to total assets | 82.8138% | 3,454 |
| Equity capital to assets | 14.7344% | 813 |
| Core capital (leverage) ratio | 15.0625% | 682 |
| Tier 1 risk-based capital ratio | 33.6942% | 363 |
| Total risk-based capital ratio | 34.9533% | 354 |
| Memoranda: | ||
| Average total assets | $165,312,500 | 3,232 |
| Average earning assets | $159,932,000 | 3,168 |
| Average equity | $23,865,000 | 2,819 |
| Average total loans | $72,014,000 | 3,838 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 4,735 |
| Cost of funding earning assets | 0.5884% | 2,800 |
| Net interest margin | 3.0644% | 4,709 |
| Noninterest income to average assets | 0.4100% | 3,382 |
| Noninterest expense to average assets | 1.8382% | 4,965 |
| Loan and lease loss provision to assets | 0.1491% | 1,423 |
| Net operating income to assets | 1.3667% | 1,546 |
| Return on assets (ROA) | 1.3667% | 1,534 |
| Pretax return on assets | 1.3667% | 2,254 |
| Return on Equity (ROE) | 9.4760% | 2,759 |
| Retained earnings to average equity (ytd only) | 2.7997% | 3,999 |
| Net charge-offs to loans | -0.0096% | 4,478 |
| Credit loss provision to net charge-offs | -3,428.5714% | 4,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8064% | 4,543 |
| Assets per employee ($millions) | 5.7217% | 1,750 |
| Cash dividends to net income (ytd only)* | 70.4545% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 562 |
| Loan loss allowance to noncurrent loans | 210.9756% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 2,932 |
| Noncurrent loans to loans | 0.9052% | 1,769 |
| Net loans and leases to total assets | 42.8424% | 4,849 |
| Net loans and leases to deposits | 51.5979% | 4,833 |
| Net loans and leases to core deposits | 59.3766% | 4,657 |
| Total domestic deposits to total assets | 83.0313% | 3,317 |
| Equity capital to assets | 14.1404% | 928 |
| Core capital (leverage) ratio | 15.1344% | 666 |
| Tier 1 risk-based capital ratio | 32.9590% | 367 |
| Total risk-based capital ratio | 34.2175% | 362 |
| Memoranda: | ||
| Average total assets | $160,969,800 | 3,264 |
| Average earning assets | $154,645,200 | 3,186 |
| Average equity | $23,216,600 | 2,795 |
| Average total loans | $72,772,400 | 3,815 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6180% | 4,771 |
| Cost of funding earning assets | 0.5576% | 2,807 |
| Net interest margin | 3.0604% | 4,769 |
| Noninterest income to average assets | 0.4199% | 3,352 |
| Noninterest expense to average assets | 1.8055% | 5,031 |
| Loan and lease loss provision to assets | 0.1753% | 1,047 |
| Net operating income to assets | 1.3756% | 1,575 |
| Return on assets (ROA) | 1.3756% | 1,577 |
| Pretax return on assets | 1.3756% | 2,320 |
| Return on Equity (ROE) | 9.4894% | 2,854 |
| Retained earnings to average equity (ytd only) | 5.1708% | 3,138 |
| Net charge-offs to loans | -0.0110% | 4,426 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7926% | 4,627 |
| Assets per employee ($millions) | 5.4350% | 1,979 |
| Cash dividends to net income (ytd only)* | 45.5099% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8815% | 622 |
| Loan loss allowance to noncurrent loans | 180.1598% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 2,795 |
| Noncurrent loans to loans | 1.0443% | 1,633 |
| Net loans and leases to total assets | 43.2738% | 4,906 |
| Net loans and leases to deposits | 53.6575% | 4,832 |
| Net loans and leases to core deposits | 61.4071% | 4,642 |
| Total domestic deposits to total assets | 80.6483% | 3,970 |
| Equity capital to assets | 14.2600% | 887 |
| Core capital (leverage) ratio | 15.0451% | 693 |
| Tier 1 risk-based capital ratio | 32.8502% | 373 |
| Total risk-based capital ratio | 34.1066% | 370 |
| Memoranda: | ||
| Average total assets | $159,730,000 | 3,307 |
| Average earning assets | $153,265,500 | 3,237 |
| Average equity | $23,155,000 | 2,814 |
| Average total loans | $72,847,500 | 3,849 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5266% | 4,884 |
| Cost of funding earning assets | 0.5195% | 2,848 |
| Net interest margin | 3.0071% | 4,867 |
| Noninterest income to average assets | 0.3959% | 3,518 |
| Noninterest expense to average assets | 1.8219% | 5,071 |
| Loan and lease loss provision to assets | 0.2270% | 714 |
| Net operating income to assets | 1.2445% | 2,003 |
| Return on assets (ROA) | 1.2445% | 2,002 |
| Pretax return on assets | 1.2445% | 2,744 |
| Return on Equity (ROE) | 8.5370% | 3,242 |
| Retained earnings to average equity (ytd only) | 4.2123% | 3,496 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3216% | 4,554 |
| Assets per employee ($millions) | 5.3162% | 2,086 |
| Cash dividends to net income (ytd only)* | 50.6586% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 683 |
| Loan loss allowance to noncurrent loans | 180.9066% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 2,875 |
| Noncurrent loans to loans | 1.0259% | 1,719 |
| Net loans and leases to total assets | 43.6697% | 4,921 |
| Net loans and leases to deposits | 52.7561% | 4,888 |
| Net loans and leases to core deposits | 61.4778% | 4,631 |
| Total domestic deposits to total assets | 82.7765% | 3,475 |
| Equity capital to assets | 14.4815% | 810 |
| Core capital (leverage) ratio | 14.9879% | 673 |
| Tier 1 risk-based capital ratio | 30.0290% | 474 |
| Total risk-based capital ratio | 31.2838% | 470 |
| Memoranda: | ||
| Average total assets | $158,623,330 | 3,335 |
| Average earning assets | $152,838,330 | 3,255 |
| Average equity | $23,123,000 | 2,834 |
| Average total loans | $73,159,670 | 3,867 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4553% | 4,942 |
| Cost of funding earning assets | 0.4707% | 3,031 |
| Net interest margin | 2.9846% | 4,901 |
| Noninterest income to average assets | 0.4273% | 3,268 |
| Noninterest expense to average assets | 1.8585% | 5,087 |
| Loan and lease loss provision to assets | 0.2276% | 692 |
| Net operating income to assets | 1.2112% | 1,954 |
| Return on assets (ROA) | 1.2112% | 1,964 |
| Pretax return on assets | 1.2112% | 2,704 |
| Return on Equity (ROE) | 8.2813% | 3,254 |
| Retained earnings to average equity (ytd only) | 3.9591% | 3,606 |
| Net charge-offs to loans | 0.0431% | 1,686 |
| Credit loss provision to net charge-offs | 1,125.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 71.1250% | 766 |
| Efficiency ratio | 56.3650% | 4,535 |
| Assets per employee ($millions) | 5.5199% | 1,922 |
| Cash dividends to net income (ytd only)* | 52.1921% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 1,014 |
| Loan loss allowance to noncurrent loans | 116.3168% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 2,307 |
| Noncurrent loans to loans | 1.4356% | 1,237 |
| Net loans and leases to total assets | 44.8415% | 4,859 |
| Net loans and leases to deposits | 54.1408% | 4,787 |
| Net loans and leases to core deposits | 61.1136% | 4,607 |
| Total domestic deposits to total assets | 82.8239% | 3,717 |
| Equity capital to assets | 14.4074% | 796 |
| Core capital (leverage) ratio | 15.2429% | 607 |
| Tier 1 risk-based capital ratio | 29.1987% | 507 |
| Total risk-based capital ratio | 30.4519% | 502 |
| Memoranda: | ||
| Average total assets | $158,192,000 | 3,383 |
| Average earning assets | $152,116,000 | 3,297 |
| Average equity | $23,136,500 | 2,851 |
| Average total loans | $74,257,500 | 3,876 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4024% | 4,935 |
| Cost of funding earning assets | 0.3452% | 3,757 |
| Net interest margin | 3.0573% | 4,775 |
| Noninterest income to average assets | 0.4185% | 3,513 |
| Noninterest expense to average assets | 1.7948% | 5,245 |
| Loan and lease loss provision to assets | 0.1526% | 1,480 |
| Net operating income to assets | 1.4342% | 936 |
| Return on assets (ROA) | 1.4342% | 956 |
| Pretax return on assets | 1.4342% | 1,873 |
| Return on Equity (ROE) | 9.7819% | 1,986 |
| Retained earnings to average equity (ytd only) | 3.9258% | 2,848 |
| Net charge-offs to loans | 0.3430% | 742 |
| Credit loss provision to net charge-offs | 96.3855% | 2,676 |
| Earnings coverage of net charge-offs (x) | 10.0201% | 2,723 |
| Efficiency ratio | 53.0750% | 5,027 |
| Assets per employee ($millions) | 5.0422% | 2,430 |
| Cash dividends to net income (ytd only)* | 59.8670% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,390 |
| Loan loss allowance to noncurrent loans | 109.3269% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 2,255 |
| Noncurrent loans to loans | 1.3772% | 1,252 |
| Net loans and leases to total assets | 47.5846% | 4,799 |
| Net loans and leases to deposits | 58.0054% | 4,690 |
| Net loans and leases to core deposits | 65.0010% | 4,474 |
| Total domestic deposits to total assets | 82.0347% | 3,863 |
| Equity capital to assets | 14.8490% | 710 |
| Core capital (leverage) ratio | 15.4239% | 552 |
| Tier 1 risk-based capital ratio | 27.9087% | 548 |
| Total risk-based capital ratio | 29.1599% | 537 |
| Memoranda: | ||
| Average total assets | $157,235,600 | 3,388 |
| Average earning assets | $152,391,600 | 3,294 |
| Average equity | $23,052,800 | 2,857 |
| Average total loans | $72,598,000 | 3,905 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3249% | 5,076 |
| Cost of funding earning assets | 0.3371% | 3,798 |
| Net interest margin | 2.9878% | 4,945 |
| Noninterest income to average assets | 0.4225% | 3,538 |
| Noninterest expense to average assets | 1.7798% | 5,296 |
| Loan and lease loss provision to assets | 0.1270% | 1,706 |
| Net operating income to assets | 1.4199% | 1,048 |
| Return on assets (ROA) | 1.4199% | 1,074 |
| Pretax return on assets | 1.4199% | 2,060 |
| Return on Equity (ROE) | 9.7158% | 2,248 |
| Retained earnings to average equity (ytd only) | 5.0809% | 2,830 |
| Net charge-offs to loans | 0.1855% | 1,130 |
| Credit loss provision to net charge-offs | 150.0000% | 1,689 |
| Earnings coverage of net charge-offs (x) | 18.2700% | 2,060 |
| Efficiency ratio | 53.4996% | 4,969 |
| Assets per employee ($millions) | 4.8871% | 2,587 |
| Cash dividends to net income (ytd only)* | 47.7043% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 1,100 |
| Loan loss allowance to noncurrent loans | 95.8333% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8852% | 1,944 |
| Noncurrent loans to loans | 1.7376% | 1,035 |
| Net loans and leases to total assets | 46.6188% | 4,903 |
| Net loans and leases to deposits | 57.5209% | 4,787 |
| Net loans and leases to core deposits | 65.8883% | 4,489 |
| Total domestic deposits to total assets | 81.0467% | 4,032 |
| Equity capital to assets | 15.4820% | 632 |
| Core capital (leverage) ratio | 15.1402% | 636 |
| Tier 1 risk-based capital ratio | 28.8398% | 528 |
| Total risk-based capital ratio | 30.0924% | 518 |
| Memoranda: | ||
| Average total assets | $157,467,750 | 3,406 |
| Average earning assets | $153,062,500 | 3,312 |
| Average equity | $23,013,500 | 2,876 |
| Average total loans | $71,868,750 | 3,955 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3473% | 5,034 |
| Cost of funding earning assets | 0.3289% | 3,806 |
| Net interest margin | 3.0184% | 4,871 |
| Noninterest income to average assets | 0.4076% | 3,644 |
| Noninterest expense to average assets | 1.7309% | 5,384 |
| Loan and lease loss provision to assets | 0.1505% | 1,346 |
| Net operating income to assets | 1.4612% | 932 |
| Return on assets (ROA) | 1.4612% | 957 |
| Pretax return on assets | 1.4612% | 1,794 |
| Return on Equity (ROE) | 10.1897% | 1,955 |
| Retained earnings to average equity (ytd only) | 5.8164% | 2,221 |
| Net charge-offs to loans | 0.0556% | 2,137 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 64.2500% | 901 |
| Efficiency ratio | 51.7824% | 5,198 |
| Assets per employee ($millions) | 5.0929% | 2,282 |
| Cash dividends to net income (ytd only)* | 42.9185% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7717% | 939 |
| Loan loss allowance to noncurrent loans | 169.5238% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 3,012 |
| Noncurrent loans to loans | 1.0451% | 1,877 |
| Net loans and leases to total assets | 43.7554% | 5,054 |
| Net loans and leases to deposits | 52.2363% | 5,047 |
| Net loans and leases to core deposits | 59.3530% | 4,858 |
| Total domestic deposits to total assets | 83.7643% | 3,300 |
| Equity capital to assets | 14.7656% | 751 |
| Core capital (leverage) ratio | 14.7111% | 696 |
| Tier 1 risk-based capital ratio | 28.8506% | 508 |
| Total risk-based capital ratio | 30.1039% | 502 |
| Memoranda: | ||
| Average total assets | $159,457,330 | 3,401 |
| Average earning assets | $155,051,000 | 3,304 |
| Average equity | $22,866,330 | 2,890 |
| Average total loans | $71,884,000 | 3,977 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3703% | 4,995 |
| Cost of funding earning assets | 0.3155% | 3,899 |
| Net interest margin | 3.0548% | 4,776 |
| Noninterest income to average assets | 0.4243% | 3,490 |
| Noninterest expense to average assets | 1.6749% | 5,495 |
| Loan and lease loss provision to assets | 0.1498% | 1,242 |
| Net operating income to assets | 1.5726% | 714 |
| Return on assets (ROA) | 1.5726% | 734 |
| Pretax return on assets | 1.5726% | 1,304 |
| Return on Equity (ROE) | 11.1290% | 1,522 |
| Retained earnings to average equity (ytd only) | 6.7127% | 1,972 |
| Net charge-offs to loans | 0.0495% | 1,869 |
| Credit loss provision to net charge-offs | 666.6667% | 475 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 675 |
| Efficiency ratio | 49.3020% | 5,412 |
| Assets per employee ($millions) | 5.0130% | 2,428 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 1,201 |
| Loan loss allowance to noncurrent loans | 155.8594% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 2,889 |
| Noncurrent loans to loans | 1.0747% | 1,905 |
| Net loans and leases to total assets | 43.8030% | 5,048 |
| Net loans and leases to deposits | 52.0088% | 5,033 |
| Net loans and leases to core deposits | 58.7777% | 4,838 |
| Total domestic deposits to total assets | 84.2223% | 3,383 |
| Equity capital to assets | 14.2847% | 821 |
| Core capital (leverage) ratio | 14.5284% | 705 |
| Tier 1 risk-based capital ratio | 28.2042% | 549 |
| Total risk-based capital ratio | 29.4569% | 534 |
| Memoranda: | ||
| Average total assets | $160,246,000 | 3,427 |
| Average earning assets | $155,951,500 | 3,325 |
| Average equity | $22,643,500 | 2,931 |
| Average total loans | $72,662,500 | 3,986 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3240% | 5,127 |
| Cost of funding earning assets | 0.3284% | 3,765 |
| Net interest margin | 2.9956% | 4,968 |
| Noninterest income to average assets | 0.3576% | 4,182 |
| Noninterest expense to average assets | 1.8429% | 5,433 |
| Loan and lease loss provision to assets | 0.1299% | 1,918 |
| Net operating income to assets | 1.2794% | 1,268 |
| Return on assets (ROA) | 1.2794% | 1,337 |
| Pretax return on assets | 1.2794% | 2,358 |
| Return on Equity (ROE) | 9.1935% | 2,319 |
| Retained earnings to average equity (ytd only) | 4.0811% | 3,014 |
| Net charge-offs to loans | 0.0545% | 2,949 |
| Credit loss provision to net charge-offs | 512.1951% | 645 |
| Earnings coverage of net charge-offs (x) | 55.5610% | 947 |
| Efficiency ratio | 56.6673% | 4,993 |
| Assets per employee ($millions) | 5.0024% | 2,388 |
| Cash dividends to net income (ytd only)* | 55.6093% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,502 |
| Loan loss allowance to noncurrent loans | 145.6163% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 2,931 |
| Noncurrent loans to loans | 1.0655% | 1,945 |
| Net loans and leases to total assets | 45.4253% | 5,047 |
| Net loans and leases to deposits | 53.8514% | 5,019 |
| Net loans and leases to core deposits | 61.0450% | 4,804 |
| Total domestic deposits to total assets | 84.3531% | 3,289 |
| Equity capital to assets | 13.9759% | 893 |
| Core capital (leverage) ratio | 14.5482% | 685 |
| Tier 1 risk-based capital ratio | 26.9873% | 613 |
| Total risk-based capital ratio | 28.2386% | 606 |
| Memoranda: | ||
| Average total assets | $161,643,600 | 3,381 |
| Average earning assets | $156,197,400 | 3,295 |
| Average equity | $22,494,200 | 2,942 |
| Average total loans | $75,242,200 | 3,918 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3596% | 5,107 |
| Cost of funding earning assets | 0.3378% | 3,679 |
| Net interest margin | 3.0219% | 4,971 |
| Noninterest income to average assets | 0.3670% | 4,152 |
| Noninterest expense to average assets | 1.8843% | 5,406 |
| Loan and lease loss provision to assets | 0.1234% | 1,889 |
| Net operating income to assets | 1.2746% | 1,366 |
| Return on assets (ROA) | 1.2746% | 1,467 |
| Pretax return on assets | 1.2746% | 2,525 |
| Return on Equity (ROE) | 9.1689% | 2,413 |
| Retained earnings to average equity (ytd only) | 4.7295% | 2,991 |
| Net charge-offs to loans | 0.0335% | 2,969 |
| Credit loss provision to net charge-offs | 789.4737% | 512 |
| Earnings coverage of net charge-offs (x) | 89.4307% | 706 |
| Efficiency ratio | 57.4079% | 4,900 |
| Assets per employee ($millions) | 4.6257% | 2,880 |
| Cash dividends to net income (ytd only)* | 48.4186% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 1,849 |
| Loan loss allowance to noncurrent loans | 395.7143% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 4,231 |
| Noncurrent loans to loans | 0.3733% | 3,930 |
| Net loans and leases to total assets | 48.4088% | 4,932 |
| Net loans and leases to deposits | 58.5274% | 4,847 |
| Net loans and leases to core deposits | 67.8122% | 4,481 |
| Total domestic deposits to total assets | 82.7112% | 3,706 |
| Equity capital to assets | 15.0752% | 725 |
| Core capital (leverage) ratio | 14.5422% | 713 |
| Tier 1 risk-based capital ratio | 26.4915% | 680 |
| Total risk-based capital ratio | 27.7416% | 661 |
| Memoranda: | ||
| Average total assets | $162,035,500 | 3,394 |
| Average earning assets | $156,322,500 | 3,304 |
| Average equity | $22,524,750 | 2,964 |
| Average total loans | $75,587,500 | 3,941 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3737% | 5,137 |
| Cost of funding earning assets | 0.3432% | 3,639 |
| Net interest margin | 3.0305% | 5,015 |
| Noninterest income to average assets | 0.3572% | 4,213 |
| Noninterest expense to average assets | 1.9544% | 5,361 |
| Loan and lease loss provision to assets | 0.1090% | 2,048 |
| Net operating income to assets | 1.2133% | 1,551 |
| Return on assets (ROA) | 1.2133% | 1,646 |
| Pretax return on assets | 1.2133% | 2,735 |
| Return on Equity (ROE) | 8.9615% | 2,508 |
| Retained earnings to average equity (ytd only) | 4.4897% | 3,058 |
| Net charge-offs to loans | 0.0475% | 2,534 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 60.6667% | 870 |
| Efficiency ratio | 59.6452% | 4,685 |
| Assets per employee ($millions) | 4.7102% | 2,696 |
| Cash dividends to net income (ytd only)* | 49.9002% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 2,170 |
| Loan loss allowance to noncurrent loans | 258.3744% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,999 |
| Noncurrent loans to loans | 0.5528% | 3,407 |
| Net loans and leases to total assets | 46.5726% | 5,092 |
| Net loans and leases to deposits | 56.5678% | 4,980 |
| Net loans and leases to core deposits | 64.8950% | 4,687 |
| Total domestic deposits to total assets | 82.3305% | 3,900 |
| Equity capital to assets | 14.6522% | 827 |
| Core capital (leverage) ratio | 13.5785% | 952 |
| Tier 1 risk-based capital ratio | 26.3378% | 705 |
| Total risk-based capital ratio | 27.5867% | 688 |
| Memoranda: | ||
| Average total assets | $165,164,670 | 3,375 |
| Average earning assets | $159,113,330 | 3,282 |
| Average equity | $22,362,330 | 2,984 |
| Average total loans | $75,782,330 | 3,956 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3031% | 5,320 |
| Cost of funding earning assets | 0.3455% | 3,652 |
| Net interest margin | 2.9576% | 5,205 |
| Noninterest income to average assets | 0.3693% | 4,083 |
| Noninterest expense to average assets | 1.6821% | 5,765 |
| Loan and lease loss provision to assets | 0.1059% | 1,931 |
| Net operating income to assets | 1.4209% | 1,007 |
| Return on assets (ROA) | 1.4209% | 1,056 |
| Pretax return on assets | 1.4209% | 1,840 |
| Return on Equity (ROE) | 10.9045% | 1,627 |
| Retained earnings to average equity (ytd only) | 6.3910% | 2,187 |
| Net charge-offs to loans | -0.0364% | 5,161 |
| Credit loss provision to net charge-offs | -642.8571% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4194% | 5,486 |
| Assets per employee ($millions) | 5.3996% | 1,926 |
| Cash dividends to net income (ytd only)* | 41.3907% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 2,753 |
| Loan loss allowance to noncurrent loans | 379.7048% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 4,679 |
| Noncurrent loans to loans | 0.3507% | 4,176 |
| Net loans and leases to total assets | 45.5493% | 5,151 |
| Net loans and leases to deposits | 55.8184% | 5,000 |
| Net loans and leases to core deposits | 64.0308% | 4,688 |
| Total domestic deposits to total assets | 81.6026% | 4,326 |
| Equity capital to assets | 13.4251% | 1,210 |
| Core capital (leverage) ratio | 12.8307% | 1,224 |
| Tier 1 risk-based capital ratio | 24.7280% | 842 |
| Total risk-based capital ratio | 25.8859% | 829 |
| Memoranda: | ||
| Average total assets | $170,028,500 | 3,326 |
| Average earning assets | $163,241,500 | 3,238 |
| Average equity | $22,156,000 | 3,009 |
| Average total loans | $76,953,500 | 3,943 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0931% | 5,638 |
| Cost of funding earning assets | 0.3224% | 3,999 |
| Net interest margin | 2.7707% | 5,570 |
| Noninterest income to average assets | 0.3855% | 4,153 |
| Noninterest expense to average assets | 1.6670% | 5,873 |
| Loan and lease loss provision to assets | 0.0546% | 3,225 |
| Net operating income to assets | 1.3366% | 1,187 |
| Return on assets (ROA) | 1.3366% | 1,225 |
| Pretax return on assets | 1.3366% | 2,145 |
| Return on Equity (ROE) | 10.2183% | 1,921 |
| Retained earnings to average equity (ytd only) | 4.4256% | 2,835 |
| Net charge-offs to loans | 0.0335% | 3,541 |
| Credit loss provision to net charge-offs | 391.3043% | 773 |
| Earnings coverage of net charge-offs (x) | 99.7826% | 576 |
| Efficiency ratio | 54.5094% | 5,490 |
| Assets per employee ($millions) | 5.7556% | 1,574 |
| Cash dividends to net income (ytd only)* | 56.6893% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 3,038 |
| Loan loss allowance to noncurrent loans | 463.0332% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 4,890 |
| Noncurrent loans to loans | 0.2753% | 4,472 |
| Net loans and leases to total assets | 43.8162% | 5,286 |
| Net loans and leases to deposits | 55.6944% | 5,066 |
| Net loans and leases to core deposits | 63.0008% | 4,800 |
| Total domestic deposits to total assets | 78.6725% | 5,040 |
| Equity capital to assets | 12.6485% | 1,534 |
| Core capital (leverage) ratio | 13.2442% | 1,062 |
| Tier 1 risk-based capital ratio | 24.0199% | 926 |
| Total risk-based capital ratio | 25.1053% | 927 |
| Memoranda: | ||
| Average total assets | $164,967,200 | 3,378 |
| Average earning assets | $159,129,600 | 3,266 |
| Average equity | $21,579,000 | 3,018 |
| Average total loans | $68,747,400 | 4,126 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0650% | 5,751 |
| Cost of funding earning assets | 0.3277% | 4,018 |
| Net interest margin | 2.7373% | 5,685 |
| Noninterest income to average assets | 0.3983% | 4,097 |
| Noninterest expense to average assets | 1.7001% | 5,897 |
| Loan and lease loss provision to assets | 0.0245% | 3,780 |
| Net operating income to assets | 1.3240% | 1,281 |
| Return on assets (ROA) | 1.3240% | 1,340 |
| Pretax return on assets | 1.3240% | 2,305 |
| Return on Equity (ROE) | 10.0336% | 2,090 |
| Retained earnings to average equity (ytd only) | 5.6954% | 2,447 |
| Net charge-offs to loans | 0.0639% | 2,673 |
| Credit loss provision to net charge-offs | 93.7500% | 2,414 |
| Earnings coverage of net charge-offs (x) | 51.5259% | 1,016 |
| Efficiency ratio | 55.7672% | 5,377 |
| Assets per employee ($millions) | 5.1149% | 2,155 |
| Cash dividends to net income (ytd only)* | 43.2366% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 2,967 |
| Loan loss allowance to noncurrent loans | 244.0860% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 4,580 |
| Noncurrent loans to loans | 0.5430% | 3,719 |
| Net loans and leases to total assets | 42.6369% | 5,452 |
| Net loans and leases to deposits | 50.7400% | 5,437 |
| Net loans and leases to core deposits | 57.8022% | 5,198 |
| Total domestic deposits to total assets | 84.0302% | 3,411 |
| Equity capital to assets | 13.9043% | 1,063 |
| Core capital (leverage) ratio | 13.4208% | 1,049 |
| Tier 1 risk-based capital ratio | 26.6637% | 720 |
| Total risk-based capital ratio | 27.7854% | 709 |
| Memoranda: | ||
| Average total assets | $163,041,750 | 3,427 |
| Average earning assets | $157,864,500 | 3,316 |
| Average equity | $21,513,750 | 3,045 |
| Average total loans | $66,775,750 | 4,218 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0371% | 5,824 |
| Cost of funding earning assets | 0.3293% | 4,060 |
| Net interest margin | 2.7077% | 5,755 |
| Noninterest income to average assets | 0.3805% | 4,231 |
| Noninterest expense to average assets | 1.7370% | 5,936 |
| Loan and lease loss provision to assets | 0.0365% | 3,394 |
| Net operating income to assets | 1.2253% | 1,526 |
| Return on assets (ROA) | 1.2253% | 1,600 |
| Pretax return on assets | 1.2253% | 2,671 |
| Return on Equity (ROE) | 9.4488% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.9963% | 2,867 |
| Net charge-offs to loans | 0.1178% | 1,830 |
| Credit loss provision to net charge-offs | 76.9231% | 2,367 |
| Earnings coverage of net charge-offs (x) | 26.6154% | 1,476 |
| Efficiency ratio | 57.9246% | 5,228 |
| Assets per employee ($millions) | 4.8897% | 2,411 |
| Cash dividends to net income (ytd only)* | 47.1230% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 2,800 |
| Loan loss allowance to noncurrent loans | 246.1749% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 4,725 |
| Noncurrent loans to loans | 0.5657% | 3,758 |
| Net loans and leases to total assets | 39.5393% | 5,655 |
| Net loans and leases to deposits | 46.7629% | 5,641 |
| Net loans and leases to core deposits | 53.4611% | 5,454 |
| Total domestic deposits to total assets | 84.5526% | 3,319 |
| Equity capital to assets | 13.3756% | 1,226 |
| Core capital (leverage) ratio | 13.1190% | 1,126 |
| Tier 1 risk-based capital ratio | 16.9503% | 2,427 |
| Total risk-based capital ratio | 17.6707% | 2,608 |
| Memoranda: | ||
| Average total assets | $164,535,000 | 3,426 |
| Average earning assets | $159,101,670 | 3,308 |
| Average equity | $21,336,000 | 3,075 |
| Average total loans | $66,196,330 | 4,267 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1003% | 5,781 |
| Cost of funding earning assets | 0.3309% | 4,082 |
| Net interest margin | 2.7693% | 5,705 |
| Noninterest income to average assets | 0.3684% | 4,266 |
| Noninterest expense to average assets | 1.6783% | 6,035 |
| Loan and lease loss provision to assets | 0.0361% | 3,174 |
| Net operating income to assets | 1.3340% | 1,171 |
| Return on assets (ROA) | 1.3340% | 1,245 |
| Pretax return on assets | 1.3340% | 2,134 |
| Return on Equity (ROE) | 10.4467% | 1,810 |
| Retained earnings to average equity (ytd only) | 5.7325% | 2,642 |
| Net charge-offs to loans | -0.0120% | 4,798 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0553% | 5,592 |
| Assets per employee ($millions) | 5.3999% | 1,884 |
| Cash dividends to net income (ytd only)* | 45.1264% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 2,727 |
| Loan loss allowance to noncurrent loans | 186.5191% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 4,713 |
| Noncurrent loans to loans | 0.7734% | 3,320 |
| Net loans and leases to total assets | 39.0968% | 5,659 |
| Net loans and leases to deposits | 46.2165% | 5,649 |
| Net loans and leases to core deposits | 52.6593% | 5,445 |
| Total domestic deposits to total assets | 84.5949% | 3,582 |
| Equity capital to assets | 13.2502% | 1,282 |
| Core capital (leverage) ratio | 12.6741% | 1,279 |
| Tier 1 risk-based capital ratio | 27.7963% | 662 |
| Total risk-based capital ratio | 29.0252% | 649 |
| Memoranda: | ||
| Average total assets | $166,122,000 | 3,425 |
| Average earning assets | $160,761,000 | 3,311 |
| Average equity | $21,212,500 | 3,113 |
| Average total loans | $66,943,500 | 4,270 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9524% | 6,095 |
| Cost of funding earning assets | 0.3461% | 4,291 |
| Net interest margin | 2.6063% | 6,061 |
| Noninterest income to average assets | 0.3352% | 4,712 |
| Noninterest expense to average assets | 1.6765% | 6,184 |
| Loan and lease loss provision to assets | 0.0420% | 3,736 |
| Net operating income to assets | 1.1407% | 1,813 |
| Return on assets (ROA) | 1.1449% | 1,857 |
| Pretax return on assets | 1.1449% | 2,899 |
| Return on Equity (ROE) | 9.4131% | 2,383 |
| Retained earnings to average equity (ytd only) | 5.2152% | 2,454 |
| Net charge-offs to loans | 0.0641% | 3,571 |
| Credit loss provision to net charge-offs | 184.2105% | 1,325 |
| Earnings coverage of net charge-offs (x) | 51.8158% | 905 |
| Efficiency ratio | 58.6345% | 5,388 |
| Assets per employee ($millions) | 5.3202% | 1,938 |
| Cash dividends to net income (ytd only)* | 44.5960% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,382 |
| Loan loss allowance to noncurrent loans | 406.2500% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 5,462 |
| Noncurrent loans to loans | 0.3217% | 4,690 |
| Net loans and leases to total assets | 40.3616% | 5,719 |
| Net loans and leases to deposits | 49.5072% | 5,609 |
| Net loans and leases to core deposits | 56.0469% | 5,382 |
| Total domestic deposits to total assets | 81.5267% | 4,583 |
| Equity capital to assets | 12.3116% | 1,767 |
| Core capital (leverage) ratio | 12.1910% | 1,504 |
| Tier 1 risk-based capital ratio | 24.7809% | 857 |
| Total risk-based capital ratio | 25.8721% | 858 |
| Memoranda: | ||
| Average total assets | $166,481,000 | 3,386 |
| Average earning assets | $161,227,400 | 3,264 |
| Average equity | $20,248,400 | 3,138 |
| Average total loans | $59,263,000 | 4,512 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8945% | 6,208 |
| Cost of funding earning assets | 0.3498% | 4,348 |
| Net interest margin | 2.5448% | 6,191 |
| Noninterest income to average assets | 0.3415% | 4,710 |
| Noninterest expense to average assets | 1.6092% | 6,277 |
| Loan and lease loss provision to assets | 0.0242% | 3,925 |
| Net operating income to assets | 1.1751% | 1,773 |
| Return on assets (ROA) | 1.1840% | 1,811 |
| Pretax return on assets | 1.1840% | 2,847 |
| Return on Equity (ROE) | 9.7653% | 2,324 |
| Retained earnings to average equity (ytd only) | 5.7795% | 2,547 |
| Net charge-offs to loans | 0.0494% | 3,509 |
| Credit loss provision to net charge-offs | 142.8571% | 1,647 |
| Earnings coverage of net charge-offs (x) | 70.9029% | 772 |
| Efficiency ratio | 57.2985% | 5,535 |
| Assets per employee ($millions) | 5.1099% | 2,127 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 2,684 |
| Loan loss allowance to noncurrent loans | 534.3373% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 5,727 |
| Noncurrent loans to loans | 0.2816% | 5,066 |
| Net loans and leases to total assets | 34.4292% | 6,098 |
| Net loans and leases to deposits | 43.3604% | 6,006 |
| Net loans and leases to core deposits | 50.1027% | 5,784 |
| Total domestic deposits to total assets | 79.4025% | 5,239 |
| Equity capital to assets | 12.2163% | 1,892 |
| Core capital (leverage) ratio | 12.2315% | 1,558 |
| Tier 1 risk-based capital ratio | 27.6721% | 665 |
| Total risk-based capital ratio | 28.8706% | 651 |
| Memoranda: | ||
| Average total assets | $165,539,750 | 3,428 |
| Average earning assets | $160,482,000 | 3,298 |
| Average equity | $20,070,500 | 3,166 |
| Average total loans | $56,672,750 | 4,639 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8739% | 6,277 |
| Cost of funding earning assets | 0.3539% | 4,394 |
| Net interest margin | 2.5200% | 6,253 |
| Noninterest income to average assets | 0.3392% | 4,715 |
| Noninterest expense to average assets | 1.6461% | 6,320 |
| Loan and lease loss provision to assets | 0.0365% | 3,563 |
| Net operating income to assets | 1.0978% | 1,951 |
| Return on assets (ROA) | 1.1112% | 1,967 |
| Pretax return on assets | 1.1112% | 3,055 |
| Return on Equity (ROE) | 9.1887% | 2,508 |
| Retained earnings to average equity (ytd only) | 5.1674% | 2,851 |
| Net charge-offs to loans | 0.0537% | 3,198 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 62.2000% | 784 |
| Efficiency ratio | 59.2042% | 5,403 |
| Assets per employee ($millions) | 5.0983% | 2,091 |
| Cash dividends to net income (ytd only)* | 43.7637% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 2,550 |
| Loan loss allowance to noncurrent loans | 400.4484% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 5,717 |
| Noncurrent loans to loans | 0.3940% | 4,812 |
| Net loans and leases to total assets | 33.1098% | 6,195 |
| Net loans and leases to deposits | 41.4706% | 6,090 |
| Net loans and leases to core deposits | 48.1565% | 5,894 |
| Total domestic deposits to total assets | 79.8393% | 5,278 |
| Equity capital to assets | 12.1140% | 1,908 |
| Core capital (leverage) ratio | 12.2791% | 1,511 |
| Tier 1 risk-based capital ratio | 25.1701% | 852 |
| Total risk-based capital ratio | 26.2870% | 854 |
| Memoranda: | ||
| Average total assets | $164,510,670 | 3,473 |
| Average earning assets | $159,363,000 | 3,330 |
| Average equity | $19,894,000 | 3,180 |
| Average total loans | $55,915,670 | 4,697 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8688% | 6,347 |
| Cost of funding earning assets | 0.3630% | 4,408 |
| Net interest margin | 2.5058% | 6,328 |
| Noninterest income to average assets | 0.3418% | 4,644 |
| Noninterest expense to average assets | 1.6355% | 6,405 |
| Loan and lease loss provision to assets | 0.0369% | 3,323 |
| Net operating income to assets | 1.0969% | 1,828 |
| Return on assets (ROA) | 1.0993% | 1,879 |
| Pretax return on assets | 1.0993% | 2,900 |
| Return on Equity (ROE) | 9.0990% | 2,414 |
| Retained earnings to average equity (ytd only) | 5.0279% | 3,097 |
| Net charge-offs to loans | 0.0720% | 2,430 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 46.1000% | 802 |
| Efficiency ratio | 59.0586% | 5,533 |
| Assets per employee ($millions) | 5.1384% | 2,086 |
| Cash dividends to net income (ytd only)* | 44.7427% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 2,710 |
| Loan loss allowance to noncurrent loans | 462.3037% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 5,900 |
| Noncurrent loans to loans | 0.3459% | 5,077 |
| Net loans and leases to total assets | 33.0463% | 6,224 |
| Net loans and leases to deposits | 38.6764% | 6,216 |
| Net loans and leases to core deposits | 44.6594% | 6,047 |
| Total domestic deposits to total assets | 85.4430% | 3,651 |
| Equity capital to assets | 12.0404% | 1,843 |
| Core capital (leverage) ratio | 12.2932% | 1,482 |
| Tier 1 risk-based capital ratio | 28.0039% | 643 |
| Total risk-based capital ratio | 29.2492% | 629 |
| Memoranda: | ||
| Average total assets | $162,644,500 | 3,519 |
| Average earning assets | $157,555,500 | 3,381 |
| Average equity | $19,650,500 | 3,209 |
| Average total loans | $55,574,500 | 4,742 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7053% | 6,544 |
| Cost of funding earning assets | 0.3875% | 4,774 |
| Net interest margin | 2.3177% | 6,510 |
| Noninterest income to average assets | 0.3544% | 4,774 |
| Noninterest expense to average assets | 1.6551% | 6,481 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9348% | 2,626 |
| Return on assets (ROA) | 0.9354% | 2,702 |
| Pretax return on assets | 0.9354% | 3,615 |
| Return on Equity (ROE) | 7.8886% | 3,084 |
| Retained earnings to average equity (ytd only) | 2.5239% | 4,457 |
| Net charge-offs to loans | 0.0427% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 73.4762% | 584 |
| Efficiency ratio | 63.9064% | 4,913 |
| Assets per employee ($millions) | 5.0268% | 2,157 |
| Cash dividends to net income (ytd only)* | 68.0052% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 2,885 |
| Loan loss allowance to noncurrent loans | 381.7391% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 5,891 |
| Noncurrent loans to loans | 0.4112% | 4,977 |
| Net loans and leases to total assets | 34.2225% | 6,289 |
| Net loans and leases to deposits | 40.1058% | 6,297 |
| Net loans and leases to core deposits | 45.6949% | 6,152 |
| Total domestic deposits to total assets | 85.3306% | 3,580 |
| Equity capital to assets | 12.1243% | 1,727 |
| Core capital (leverage) ratio | 12.2335% | 1,479 |
| Tier 1 risk-based capital ratio | 27.5627% | 636 |
| Total risk-based capital ratio | 28.7967% | 626 |
| Memoranda: | ||
| Average total assets | $165,070,200 | 3,485 |
| Average earning assets | $159,208,200 | 3,360 |
| Average equity | $19,572,600 | 3,201 |
| Average total loans | $49,196,400 | 4,998 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6459% | 6,646 |
| Cost of funding earning assets | 0.3920% | 4,890 |
| Net interest margin | 2.2539% | 6,612 |
| Noninterest income to average assets | 0.3572% | 4,839 |
| Noninterest expense to average assets | 1.5972% | 6,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9334% | 2,673 |
| Return on assets (ROA) | 0.9334% | 2,783 |
| Pretax return on assets | 0.9334% | 3,749 |
| Return on Equity (ROE) | 7.9154% | 3,164 |
| Retained earnings to average equity (ytd only) | 2.1303% | 5,038 |
| Net charge-offs to loans | 0.0084% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 387.6575% | 152 |
| Efficiency ratio | 63.1145% | 4,965 |
| Assets per employee ($millions) | 5.0075% | 2,157 |
| Cash dividends to net income (ytd only)* | 73.0871% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 2,412 |
| Loan loss allowance to noncurrent loans | 365.7143% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 5,985 |
| Noncurrent loans to loans | 0.4822% | 4,995 |
| Net loans and leases to total assets | 31.1512% | 6,486 |
| Net loans and leases to deposits | 36.5296% | 6,488 |
| Net loans and leases to core deposits | 43.0200% | 6,348 |
| Total domestic deposits to total assets | 85.2766% | 3,595 |
| Equity capital to assets | 12.0107% | 1,910 |
| Core capital (leverage) ratio | 12.0373% | 1,651 |
| Tier 1 risk-based capital ratio | 28.4954% | 594 |
| Total risk-based capital ratio | 29.7464% | 577 |
| Memoranda: | ||
| Average total assets | $166,123,000 | 3,505 |
| Average earning assets | $160,194,750 | 3,366 |
| Average equity | $19,590,000 | 3,233 |
| Average total loans | $47,513,500 | 5,090 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6373% | 6,687 |
| Cost of funding earning assets | 0.3897% | 5,034 |
| Net interest margin | 2.2476% | 6,658 |
| Noninterest income to average assets | 0.3344% | 5,017 |
| Noninterest expense to average assets | 1.5480% | 6,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9483% | 2,577 |
| Return on assets (ROA) | 0.9483% | 2,722 |
| Pretax return on assets | 0.9483% | 3,722 |
| Return on Equity (ROE) | 8.0895% | 3,049 |
| Retained earnings to average equity (ytd only) | 1.9995% | 4,999 |
| Net charge-offs to loans | 0.0043% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 797.0000% | 43 |
| Efficiency ratio | 62.0114% | 5,170 |
| Assets per employee ($millions) | 4.7857% | 2,400 |
| Cash dividends to net income (ytd only)* | 75.2823% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 2,206 |
| Loan loss allowance to noncurrent loans | 513.1429% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 6,170 |
| Noncurrent loans to loans | 0.3639% | 5,364 |
| Net loans and leases to total assets | 29.0063% | 6,610 |
| Net loans and leases to deposits | 34.9797% | 6,578 |
| Net loans and leases to core deposits | 41.0287% | 6,433 |
| Total domestic deposits to total assets | 82.9233% | 4,726 |
| Equity capital to assets | 11.7698% | 2,073 |
| Core capital (leverage) ratio | 11.5758% | 1,872 |
| Tier 1 risk-based capital ratio | 28.6909% | 592 |
| Total risk-based capital ratio | 29.9418% | 580 |
| Memoranda: | ||
| Average total assets | $168,083,670 | 3,495 |
| Average earning assets | $161,680,670 | 3,364 |
| Average equity | $19,704,670 | 3,235 |
| Average total loans | $46,413,670 | 5,162 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6488% | 6,757 |
| Cost of funding earning assets | 0.3934% | 5,173 |
| Net interest margin | 2.2554% | 6,720 |
| Noninterest income to average assets | 0.3467% | 4,912 |
| Noninterest expense to average assets | 1.5132% | 6,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9955% | 2,243 |
| Return on assets (ROA) | 0.9955% | 2,362 |
| Pretax return on assets | 0.9955% | 3,372 |
| Return on Equity (ROE) | 8.5079% | 2,715 |
| Retained earnings to average equity (ytd only) | 2.0019% | 4,999 |
| Net charge-offs to loans | -0.0088% | 5,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3175% | 5,546 |
| Assets per employee ($millions) | 4.8826% | 2,375 |
| Cash dividends to net income (ytd only)* | 76.4706% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0017% | 2,039 |
| Loan loss allowance to noncurrent loans | 295.4098% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 6,021 |
| Noncurrent loans to loans | 0.6776% | 4,769 |
| Net loans and leases to total assets | 26.5710% | 6,712 |
| Net loans and leases to deposits | 31.0450% | 6,717 |
| Net loans and leases to core deposits | 35.8335% | 6,627 |
| Total domestic deposits to total assets | 85.5886% | 3,747 |
| Equity capital to assets | 11.9862% | 2,054 |
| Core capital (leverage) ratio | 11.4890% | 1,892 |
| Tier 1 risk-based capital ratio | 29.7672% | 543 |
| Total risk-based capital ratio | 31.0189% | 534 |
| Memoranda: | ||
| Average total assets | $170,769,000 | 3,482 |
| Average earning assets | $163,698,500 | 3,376 |
| Average equity | $19,981,500 | 3,251 |
| Average total loans | $45,573,000 | 5,232 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8686% | 6,832 |
| Cost of funding earning assets | 0.4898% | 5,290 |
| Net interest margin | 2.3788% | 6,795 |
| Noninterest income to average assets | 0.4138% | 4,502 |
| Noninterest expense to average assets | 1.5411% | 6,842 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1643% | 1,716 |
| Return on assets (ROA) | 1.1643% | 1,879 |
| Pretax return on assets | 1.1643% | 2,932 |
| Return on Equity (ROE) | 9.7053% | 2,312 |
| Retained earnings to average equity (ytd only) | 1.4805% | 5,126 |
| Net charge-offs to loans | 0.0651% | 5,038 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 69.5357% | 527 |
| Efficiency ratio | 56.9629% | 5,957 |
| Assets per employee ($millions) | 5.0151% | 2,211 |
| Cash dividends to net income (ytd only)* | 84.7458% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9486% | 2,155 |
| Loan loss allowance to noncurrent loans | 290.0000% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 6,123 |
| Noncurrent loans to loans | 0.6719% | 4,855 |
| Net loans and leases to total assets | 25.7711% | 6,813 |
| Net loans and leases to deposits | 29.9180% | 6,833 |
| Net loans and leases to core deposits | 34.4965% | 6,759 |
| Total domestic deposits to total assets | 86.1391% | 3,278 |
| Equity capital to assets | 11.4311% | 2,508 |
| Core capital (leverage) ratio | 10.9754% | 2,277 |
| Tier 1 risk-based capital ratio | 28.3385% | 603 |
| Total risk-based capital ratio | 29.5897% | 589 |
| Memoranda: | ||
| Average total assets | $167,218,200 | 3,498 |
| Average earning assets | $161,086,800 | 3,364 |
| Average equity | $20,061,200 | 3,198 |
| Average total loans | $42,998,400 | 5,381 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8812% | 6,941 |
| Cost of funding earning assets | 0.5118% | 5,358 |
| Net interest margin | 2.3694% | 6,913 |
| Noninterest income to average assets | 0.4247% | 4,444 |
| Noninterest expense to average assets | 1.5566% | 6,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1594% | 1,870 |
| Return on assets (ROA) | 1.1594% | 2,064 |
| Pretax return on assets | 1.1594% | 3,135 |
| Return on Equity (ROE) | 9.5443% | 2,568 |
| Retained earnings to average equity (ytd only) | 1.2362% | 5,682 |
| Net charge-offs to loans | -0.0190% | 6,485 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3127% | 5,882 |
| Assets per employee ($millions) | 5.1381% | 2,002 |
| Cash dividends to net income (ytd only)* | 87.0476% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 1,926 |
| Loan loss allowance to noncurrent loans | 568.9024% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 6,493 |
| Noncurrent loans to loans | 0.3677% | 5,747 |
| Net loans and leases to total assets | 25.7579% | 6,925 |
| Net loans and leases to deposits | 30.1747% | 6,946 |
| Net loans and leases to core deposits | 34.9876% | 6,876 |
| Total domestic deposits to total assets | 85.3624% | 3,582 |
| Equity capital to assets | 12.0090% | 2,249 |
| Core capital (leverage) ratio | 11.2298% | 2,192 |
| Tier 1 risk-based capital ratio | 30.7072% | 496 |
| Total risk-based capital ratio | 31.9610% | 485 |
| Memoranda: | ||
| Average total assets | $165,140,250 | 3,564 |
| Average earning assets | $159,697,500 | 3,418 |
| Average equity | $20,060,250 | 3,228 |
| Average total loans | $42,214,250 | 5,479 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9071% | 7,009 |
| Cost of funding earning assets | 0.5364% | 5,397 |
| Net interest margin | 2.3707% | 6,977 |
| Noninterest income to average assets | 0.4362% | 4,389 |
| Noninterest expense to average assets | 1.6301% | 6,900 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0961% | 2,060 |
| Return on assets (ROA) | 1.0961% | 2,285 |
| Pretax return on assets | 1.0961% | 3,315 |
| Return on Equity (ROE) | 8.9881% | 2,819 |
| Retained earnings to average equity (ytd only) | 0.4709% | 5,882 |
| Net charge-offs to loans | -0.0435% | 6,625 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7938% | 5,610 |
| Assets per employee ($millions) | 5.0197% | 2,160 |
| Cash dividends to net income (ytd only)* | 94.7603% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2251% | 1,716 |
| Loan loss allowance to noncurrent loans | 307.8947% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 6,332 |
| Noncurrent loans to loans | 0.7227% | 5,062 |
| Net loans and leases to total assets | 24.8290% | 7,013 |
| Net loans and leases to deposits | 29.1579% | 7,018 |
| Net loans and leases to core deposits | 33.9707% | 6,959 |
| Total domestic deposits to total assets | 85.1535% | 3,794 |
| Equity capital to assets | 12.0659% | 2,101 |
| Core capital (leverage) ratio | 11.5109% | 1,897 |
| Tier 1 risk-based capital ratio | 31.9428% | 442 |
| Total risk-based capital ratio | 33.1973% | 437 |
| Memoranda: | ||
| Average total assets | $163,668,330 | 3,601 |
| Average earning assets | $158,095,670 | 3,461 |
| Average equity | $19,959,670 | 3,224 |
| Average total loans | $41,416,670 | 5,535 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0084% | 7,042 |
| Cost of funding earning assets | 0.5558% | 5,459 |
| Net interest margin | 2.4526% | 6,980 |
| Noninterest income to average assets | 0.4672% | 4,168 |
| Noninterest expense to average assets | 1.5638% | 7,007 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2688% | 1,541 |
| Return on assets (ROA) | 1.2688% | 1,712 |
| Pretax return on assets | 1.2688% | 2,653 |
| Return on Equity (ROE) | 10.3479% | 2,285 |
| Retained earnings to average equity (ytd only) | 1.3236% | 5,570 |
| Net charge-offs to loans | -0.1071% | 6,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2083% | 6,203 |
| Assets per employee ($millions) | 4.9552% | 2,305 |
| Cash dividends to net income (ytd only)* | 87.2093% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2892% | 1,689 |
| Loan loss allowance to noncurrent loans | 379.7571% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 6,428 |
| Noncurrent loans to loans | 0.6028% | 5,455 |
| Net loans and leases to total assets | 24.4840% | 7,074 |
| Net loans and leases to deposits | 28.8472% | 7,079 |
| Net loans and leases to core deposits | 33.2401% | 7,012 |
| Total domestic deposits to total assets | 84.8749% | 4,097 |
| Equity capital to assets | 12.2075% | 1,911 |
| Core capital (leverage) ratio | 11.6167% | 1,822 |
| Tier 1 risk-based capital ratio | 32.6346% | 405 |
| Total risk-based capital ratio | 33.8892% | 396 |
| Memoranda: | ||
| Average total assets | $162,678,000 | 3,641 |
| Average earning assets | $156,895,000 | 3,497 |
| Average equity | $19,946,000 | 3,231 |
| Average total loans | $41,092,500 | 5,595 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4091% | 7,048 |
| Cost of funding earning assets | 0.6949% | 5,571 |
| Net interest margin | 2.7142% | 6,910 |
| Noninterest income to average assets | 0.4193% | 4,458 |
| Noninterest expense to average assets | 1.7536% | 7,005 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2833% | 1,287 |
| Return on assets (ROA) | 1.2840% | 1,389 |
| Pretax return on assets | 1.2840% | 2,195 |
| Return on Equity (ROE) | 9.5983% | 2,210 |
| Retained earnings to average equity (ytd only) | 1.3239% | 5,232 |
| Net charge-offs to loans | -0.0051% | 6,840 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7424% | 6,084 |
| Assets per employee ($millions) | 4.9040% | 2,319 |
| Cash dividends to net income (ytd only)* | 86.2069% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2495% | 1,712 |
| Loan loss allowance to noncurrent loans | 267.9191% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 6,357 |
| Noncurrent loans to loans | 0.8396% | 5,009 |
| Net loans and leases to total assets | 24.8917% | 7,144 |
| Net loans and leases to deposits | 29.2750% | 7,148 |
| Net loans and leases to core deposits | 34.3949% | 7,071 |
| Total domestic deposits to total assets | 85.0272% | 3,829 |
| Equity capital to assets | 12.3152% | 1,900 |
| Core capital (leverage) ratio | 12.3087% | 1,432 |
| Tier 1 risk-based capital ratio | 32.4942% | 408 |
| Total risk-based capital ratio | 33.7477% | 398 |
| Memoranda: | ||
| Average total assets | $149,067,600 | 3,821 |
| Average earning assets | $143,763,000 | 3,680 |
| Average equity | $19,941,000 | 3,162 |
| Average total loans | $39,142,000 | 5,737 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5345% | 7,066 |
| Cost of funding earning assets | 0.7257% | 5,621 |
| Net interest margin | 2.8089% | 6,874 |
| Noninterest income to average assets | 0.4387% | 4,373 |
| Noninterest expense to average assets | 1.7978% | 7,002 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3509% | 1,264 |
| Return on assets (ROA) | 1.3509% | 1,348 |
| Pretax return on assets | 1.3509% | 2,112 |
| Return on Equity (ROE) | 9.8809% | 2,237 |
| Retained earnings to average equity (ytd only) | 1.8585% | 5,213 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0972% | 6,130 |
| Assets per employee ($millions) | 4.2010% | 3,438 |
| Cash dividends to net income (ytd only)* | 81.1907% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4107% | 1,520 |
| Loan loss allowance to noncurrent loans | 962.5000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 6,810 |
| Noncurrent loans to loans | 0.2505% | 6,370 |
| Net loans and leases to total assets | 25.4397% | 7,200 |
| Net loans and leases to deposits | 30.6870% | 7,207 |
| Net loans and leases to core deposits | 36.7184% | 7,101 |
| Total domestic deposits to total assets | 82.9006% | 4,723 |
| Equity capital to assets | 13.8567% | 1,222 |
| Core capital (leverage) ratio | 12.7895% | 1,307 |
| Tier 1 risk-based capital ratio | 34.0659% | 383 |
| Total risk-based capital ratio | 35.3213% | 372 |
| Memoranda: | ||
| Average total assets | $145,876,250 | 3,895 |
| Average earning assets | $140,741,750 | 3,753 |
| Average equity | $19,943,750 | 3,149 |
| Average total loans | $38,625,000 | 5,807 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 7,094 |
| Cost of funding earning assets | 0.7490% | 5,674 |
| Net interest margin | 2.8578% | 6,854 |
| Noninterest income to average assets | 0.4042% | 4,646 |
| Noninterest expense to average assets | 1.8957% | 6,956 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2619% | 1,415 |
| Return on assets (ROA) | 1.2619% | 1,480 |
| Pretax return on assets | 1.2619% | 2,262 |
| Return on Equity (ROE) | 9.2726% | 2,391 |
| Retained earnings to average equity (ytd only) | 1.1919% | 5,382 |
| Net charge-offs to loans | -0.0155% | 6,771 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0348% | 5,867 |
| Assets per employee ($millions) | 4.1507% | 3,452 |
| Cash dividends to net income (ytd only)* | 87.1460% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4700% | 1,494 |
| Loan loss allowance to noncurrent loans | 997.8495% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 6,849 |
| Noncurrent loans to loans | 0.2475% | 6,423 |
| Net loans and leases to total assets | 25.2234% | 7,295 |
| Net loans and leases to deposits | 30.5145% | 7,299 |
| Net loans and leases to core deposits | 36.6679% | 7,203 |
| Total domestic deposits to total assets | 82.6604% | 4,923 |
| Equity capital to assets | 13.8270% | 1,159 |
| Core capital (leverage) ratio | 12.8207% | 1,238 |
| Tier 1 risk-based capital ratio | 33.8151% | 390 |
| Total risk-based capital ratio | 35.0701% | 382 |
| Memoranda: | ||
| Average total assets | $145,490,330 | 3,931 |
| Average earning assets | $140,179,330 | 3,790 |
| Average equity | $19,800,330 | 3,156 |
| Average total loans | $38,723,670 | 5,857 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6249% | 7,118 |
| Cost of funding earning assets | 0.7770% | 5,695 |
| Net interest margin | 2.8479% | 6,838 |
| Noninterest income to average assets | 0.4039% | 4,670 |
| Noninterest expense to average assets | 1.8956% | 6,994 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2473% | 1,391 |
| Return on assets (ROA) | 1.2473% | 1,444 |
| Pretax return on assets | 1.2473% | 2,201 |
| Return on Equity (ROE) | 9.2384% | 2,370 |
| Retained earnings to average equity (ytd only) | 2.1163% | 4,869 |
| Net charge-offs to loans | 0.0102% | 4,956 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 454.0000% | 56 |
| Efficiency ratio | 60.3147% | 5,941 |
| Assets per employee ($millions) | 4.3376% | 3,161 |
| Cash dividends to net income (ytd only)* | 77.0925% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4408% | 1,550 |
| Loan loss allowance to noncurrent loans | 1,420.0000% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 6,969 |
| Noncurrent loans to loans | 0.1719% | 6,624 |
| Net loans and leases to total assets | 25.0151% | 7,356 |
| Net loans and leases to deposits | 29.9242% | 7,356 |
| Net loans and leases to core deposits | 35.9480% | 7,264 |
| Total domestic deposits to total assets | 83.5950% | 4,666 |
| Equity capital to assets | 13.3728% | 1,226 |
| Core capital (leverage) ratio | 13.0646% | 1,104 |
| Tier 1 risk-based capital ratio | 33.0213% | 400 |
| Total risk-based capital ratio | 34.2760% | 394 |
| Memoranda: | ||
| Average total assets | $145,598,500 | 3,964 |
| Average earning assets | $140,032,500 | 3,819 |
| Average equity | $19,657,000 | 3,164 |
| Average total loans | $39,300,000 | 5,879 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 7,052 |
| Cost of funding earning assets | 0.9938% | 5,723 |
| Net interest margin | 3.1042% | 6,511 |
| Noninterest income to average assets | 0.4589% | 4,448 |
| Noninterest expense to average assets | 1.9788% | 7,059 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4620% | 836 |
| Return on assets (ROA) | 1.4591% | 902 |
| Pretax return on assets | 1.4591% | 1,483 |
| Return on Equity (ROE) | 10.0550% | 1,911 |
| Retained earnings to average equity (ytd only) | 0.4539% | 5,352 |
| Net charge-offs to loans | 0.1107% | 5,768 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 45.9091% | 505 |
| Efficiency ratio | 57.5095% | 6,394 |
| Assets per employee ($millions) | 3.9922% | 3,803 |
| Cash dividends to net income (ytd only)* | 95.4861% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2655% | 1,747 |
| Loan loss allowance to noncurrent loans | 863.5514% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 6,937 |
| Noncurrent loans to loans | 0.2624% | 6,542 |
| Net loans and leases to total assets | 27.7356% | 7,411 |
| Net loans and leases to deposits | 33.4287% | 7,405 |
| Net loans and leases to core deposits | 40.1392% | 7,300 |
| Total domestic deposits to total assets | 82.9694% | 4,808 |
| Equity capital to assets | 13.6323% | 1,147 |
| Core capital (leverage) ratio | 13.3650% | 1,010 |
| Tier 1 risk-based capital ratio | 31.5873% | 445 |
| Total risk-based capital ratio | 32.8419% | 434 |
| Memoranda: | ||
| Average total assets | $138,165,600 | 4,090 |
| Average earning assets | $132,721,400 | 3,960 |
| Average equity | $20,049,800 | 3,140 |
| Average total loans | $39,741,400 | 5,931 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2287% | 7,056 |
| Cost of funding earning assets | 1.0275% | 5,817 |
| Net interest margin | 3.2012% | 6,340 |
| Noninterest income to average assets | 0.4962% | 4,217 |
| Noninterest expense to average assets | 1.9701% | 7,099 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5996% | 746 |
| Return on assets (ROA) | 1.5957% | 825 |
| Pretax return on assets | 1.5957% | 1,359 |
| Return on Equity (ROE) | 10.8242% | 1,845 |
| Retained earnings to average equity (ytd only) | 1.8977% | 5,011 |
| Net charge-offs to loans | 0.0574% | 5,944 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 96.5130% | 320 |
| Efficiency ratio | 55.1884% | 6,657 |
| Assets per employee ($millions) | 3.9082% | 4,018 |
| Cash dividends to net income (ytd only)* | 82.4682% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4281% | 1,436 |
| Loan loss allowance to noncurrent loans | 411.6883% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 6,816 |
| Noncurrent loans to loans | 0.5898% | 6,036 |
| Net loans and leases to total assets | 27.9385% | 7,512 |
| Net loans and leases to deposits | 34.2569% | 7,514 |
| Net loans and leases to core deposits | 41.8168% | 7,383 |
| Total domestic deposits to total assets | 81.5559% | 5,179 |
| Equity capital to assets | 14.8809% | 919 |
| Core capital (leverage) ratio | 13.7537% | 979 |
| Tier 1 risk-based capital ratio | 34.0438% | 377 |
| Total risk-based capital ratio | 35.3002% | 371 |
| Memoranda: | ||
| Average total assets | $136,777,500 | 4,172 |
| Average earning assets | $131,321,000 | 4,039 |
| Average equity | $20,164,250 | 3,169 |
| Average total loans | $39,480,500 | 6,025 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 7,020 |
| Cost of funding earning assets | 1.0493% | 5,917 |
| Net interest margin | 3.2684% | 6,110 |
| Noninterest income to average assets | 0.4972% | 4,137 |
| Noninterest expense to average assets | 1.9624% | 7,166 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6684% | 620 |
| Return on assets (ROA) | 1.6626% | 680 |
| Pretax return on assets | 1.6626% | 1,135 |
| Return on Equity (ROE) | 11.3131% | 1,644 |
| Retained earnings to average equity (ytd only) | 1.8606% | 4,940 |
| Net charge-offs to loans | 0.0556% | 5,608 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 103.7273% | 315 |
| Efficiency ratio | 54.0475% | 6,878 |
| Assets per employee ($millions) | 3.6681% | 4,556 |
| Cash dividends to net income (ytd only)* | 83.5532% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5241% | 1,272 |
| Loan loss allowance to noncurrent loans | 562.9412% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 6,951 |
| Noncurrent loans to loans | 0.4484% | 6,350 |
| Net loans and leases to total assets | 27.2311% | 7,596 |
| Net loans and leases to deposits | 33.3243% | 7,591 |
| Net loans and leases to core deposits | 40.6780% | 7,475 |
| Total domestic deposits to total assets | 81.7153% | 5,106 |
| Equity capital to assets | 14.9013% | 904 |
| Core capital (leverage) ratio | 13.7388% | 989 |
| Tier 1 risk-based capital ratio | 34.8135% | 360 |
| Total risk-based capital ratio | 36.0697% | 350 |
| Memoranda: | ||
| Average total assets | $136,774,670 | 4,198 |
| Average earning assets | $131,133,000 | 4,071 |
| Average equity | $20,100,670 | 3,158 |
| Average total loans | $39,585,000 | 6,063 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 6,901 |
| Cost of funding earning assets | 1.0646% | 6,066 |
| Net interest margin | 3.3854% | 5,638 |
| Noninterest income to average assets | 0.4749% | 4,249 |
| Noninterest expense to average assets | 1.9286% | 7,288 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7888% | 510 |
| Return on assets (ROA) | 1.7888% | 558 |
| Pretax return on assets | 1.7888% | 895 |
| Return on Equity (ROE) | 12.2561% | 1,428 |
| Retained earnings to average equity (ytd only) | 2.7746% | 4,470 |
| Net charge-offs to loans | -0.0990% | 7,519 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8809% | 7,171 |
| Assets per employee ($millions) | 3.7150% | 4,540 |
| Cash dividends to net income (ytd only)* | 77.3616% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5147% | 1,276 |
| Loan loss allowance to noncurrent loans | 665.3061% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 7,086 |
| Noncurrent loans to loans | 0.3780% | 6,532 |
| Net loans and leases to total assets | 27.5821% | 7,681 |
| Net loans and leases to deposits | 33.5024% | 7,671 |
| Net loans and leases to core deposits | 41.4495% | 7,537 |
| Total domestic deposits to total assets | 82.3288% | 4,923 |
| Equity capital to assets | 14.5560% | 984 |
| Core capital (leverage) ratio | 13.8667% | 988 |
| Tier 1 risk-based capital ratio | 33.9930% | 382 |
| Total risk-based capital ratio | 35.2502% | 380 |
| Memoranda: | ||
| Average total assets | $137,302,000 | 4,243 |
| Average earning assets | $131,504,000 | 4,123 |
| Average equity | $20,039,000 | 3,202 |
| Average total loans | $40,420,000 | 6,101 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 6,791 |
| Cost of funding earning assets | 1.2517% | 6,466 |
| Net interest margin | 3.6151% | 4,497 |
| Noninterest income to average assets | 0.5447% | 4,067 |
| Noninterest expense to average assets | 2.0752% | 7,237 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.9465% | 255 |
| Return on assets (ROA) | 1.9465% | 267 |
| Pretax return on assets | 1.9465% | 452 |
| Return on Equity (ROE) | 12.9487% | 971 |
| Retained earnings to average equity (ytd only) | 1.6868% | 3,906 |
| Net charge-offs to loans | 0.1305% | 5,892 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 49.7500% | 517 |
| Efficiency ratio | 51.5996% | 7,420 |
| Assets per employee ($millions) | 3.9185% | 3,977 |
| Cash dividends to net income (ytd only)* | 86.9733% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3076% | 1,470 |
| Loan loss allowance to noncurrent loans | 406.7227% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 6,907 |
| Noncurrent loans to loans | 0.5674% | 6,108 |
| Net loans and leases to total assets | 29.8806% | 7,709 |
| Net loans and leases to deposits | 36.8597% | 7,706 |
| Net loans and leases to core deposits | 52.3558% | 7,515 |
| Total domestic deposits to total assets | 81.0658% | 5,324 |
| Equity capital to assets | 14.6337% | 991 |
| Core capital (leverage) ratio | 13.6558% | 1,056 |
| Tier 1 risk-based capital ratio | 32.1964% | 439 |
| Total risk-based capital ratio | 33.4519% | 431 |
| Memoranda: | ||
| Average total assets | $132,905,600 | 4,279 |
| Average earning assets | $127,825,600 | 4,138 |
| Average equity | $19,978,800 | 3,205 |
| Average total loans | $39,840,000 | 6,119 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 6,756 |
| Cost of funding earning assets | 1.2820% | 6,617 |
| Net interest margin | 3.6698% | 4,206 |
| Noninterest income to average assets | 0.5208% | 4,310 |
| Noninterest expense to average assets | 1.9821% | 7,417 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0761% | 245 |
| Return on assets (ROA) | 2.0761% | 275 |
| Pretax return on assets | 2.0761% | 469 |
| Return on Equity (ROE) | 13.7165% | 976 |
| Retained earnings to average equity (ytd only) | 3.3606% | 3,424 |
| Net charge-offs to loans | 0.1017% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 68.4315% | 488 |
| Efficiency ratio | 48.8413% | 7,628 |
| Assets per employee ($millions) | 3.4441% | 5,067 |
| Cash dividends to net income (ytd only)* | 75.4996% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4868% | 1,078 |
| Loan loss allowance to noncurrent loans | 562.5000% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 7,207 |
| Noncurrent loans to loans | 0.4421% | 6,441 |
| Net loans and leases to total assets | 29.6621% | 7,816 |
| Net loans and leases to deposits | 36.4367% | 7,809 |
| Net loans and leases to core deposits | 52.3413% | 7,638 |
| Total domestic deposits to total assets | 81.4073% | 4,917 |
| Equity capital to assets | 15.5990% | 865 |
| Core capital (leverage) ratio | 14.0331% | 1,080 |
| Tier 1 risk-based capital ratio | 34.5461% | 395 |
| Total risk-based capital ratio | 35.7996% | 388 |
| Memoranda: | ||
| Average total assets | $131,844,750 | 4,327 |
| Average earning assets | $127,088,250 | 4,181 |
| Average equity | $19,956,000 | 3,238 |
| Average total loans | $39,312,750 | 6,186 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 6,743 |
| Cost of funding earning assets | 1.3114% | 6,768 |
| Net interest margin | 3.6967% | 3,961 |
| Noninterest income to average assets | 0.5130% | 4,329 |
| Noninterest expense to average assets | 1.9369% | 7,576 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1336% | 221 |
| Return on assets (ROA) | 2.1336% | 241 |
| Pretax return on assets | 2.1336% | 402 |
| Return on Equity (ROE) | 14.2403% | 953 |
| Retained earnings to average equity (ytd only) | 3.1308% | 3,574 |
| Net charge-offs to loans | 0.1022% | 5,140 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 532 |
| Efficiency ratio | 47.5836% | 7,772 |
| Assets per employee ($millions) | 3.6451% | 4,463 |
| Cash dividends to net income (ytd only)* | 78.0142% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5477% | 859 |
| Loan loss allowance to noncurrent loans | 362.3188% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 6,979 |
| Noncurrent loans to loans | 0.7032% | 5,839 |
| Net loans and leases to total assets | 29.1498% | 7,907 |
| Net loans and leases to deposits | 35.7573% | 7,904 |
| Net loans and leases to core deposits | 51.1582% | 7,735 |
| Total domestic deposits to total assets | 81.5214% | 4,889 |
| Equity capital to assets | 15.2116% | 984 |
| Core capital (leverage) ratio | 14.0853% | 1,118 |
| Tier 1 risk-based capital ratio | 34.2027% | 440 |
| Total risk-based capital ratio | 35.4604% | 433 |
| Memoranda: | ||
| Average total assets | $132,168,330 | 4,346 |
| Average earning assets | $127,196,000 | 4,193 |
| Average equity | $19,803,000 | 3,274 |
| Average total loans | $39,147,000 | 6,241 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0731% | 6,730 |
| Cost of funding earning assets | 1.3696% | 6,819 |
| Net interest margin | 3.7035% | 3,874 |
| Noninterest income to average assets | 0.5820% | 3,670 |
| Noninterest expense to average assets | 1.7973% | 7,703 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3401% | 177 |
| Return on assets (ROA) | 2.3401% | 207 |
| Pretax return on assets | 2.3401% | 339 |
| Return on Equity (ROE) | 15.7372% | 862 |
| Retained earnings to average equity (ytd only) | 3.5693% | 3,909 |
| Net charge-offs to loans | -0.0102% | 7,276 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4402% | 7,950 |
| Assets per employee ($millions) | 3.7582% | 4,207 |
| Cash dividends to net income (ytd only)* | 77.3196% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7087% | 621 |
| Loan loss allowance to noncurrent loans | 289.2351% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 6,703 |
| Noncurrent loans to loans | 0.9365% | 5,123 |
| Net loans and leases to total assets | 27.8794% | 7,964 |
| Net loans and leases to deposits | 34.0189% | 7,982 |
| Net loans and leases to core deposits | 46.1306% | 7,866 |
| Total domestic deposits to total assets | 81.9527% | 4,568 |
| Equity capital to assets | 15.2063% | 1,046 |
| Core capital (leverage) ratio | 14.0059% | 1,192 |
| Tier 1 risk-based capital ratio | 34.7134% | 449 |
| Total risk-based capital ratio | 35.9728% | 433 |
| Memoranda: | ||
| Average total assets | $132,641,500 | 4,361 |
| Average earning assets | $127,338,000 | 4,210 |
| Average equity | $19,724,000 | 3,299 |
| Average total loans | $39,095,000 | 6,273 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5946% | 7,086 |
| Cost of funding earning assets | 2.1185% | 5,972 |
| Net interest margin | 3.4761% | 5,378 |
| Noninterest income to average assets | 0.5615% | 4,147 |
| Noninterest expense to average assets | 1.9021% | 7,610 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.9872% | 364 |
| Return on assets (ROA) | 2.0009% | 332 |
| Pretax return on assets | 2.0009% | 602 |
| Return on Equity (ROE) | 13.5012% | 1,213 |
| Retained earnings to average equity (ytd only) | 1.4417% | 4,356 |
| Net charge-offs to loans | -0.1973% | 8,163 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9054% | 7,741 |
| Assets per employee ($millions) | 4.0529% | 3,405 |
| Cash dividends to net income (ytd only)* | 89.3216% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5187% | 664 |
| Loan loss allowance to noncurrent loans | 355.4007% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 6,714 |
| Noncurrent loans to loans | 0.7087% | 5,264 |
| Net loans and leases to total assets | 29.5166% | 7,998 |
| Net loans and leases to deposits | 36.5200% | 8,012 |
| Net loans and leases to core deposits | 48.5691% | 7,915 |
| Total domestic deposits to total assets | 80.8232% | 4,729 |
| Equity capital to assets | 14.5396% | 1,287 |
| Core capital (leverage) ratio | 14.0989% | 1,238 |
| Tier 1 risk-based capital ratio | 32.7729% | 516 |
| Total risk-based capital ratio | 34.0294% | 504 |
| Memoranda: | ||
| Average total assets | $124,493,800 | 4,407 |
| Average earning assets | $119,185,600 | 4,281 |
| Average equity | $18,450,200 | 3,489 |
| Average total loans | $38,008,200 | 6,272 |